What is one of the key benefits of a PPO over other insurance plans?

One of the key benefits of a Preferred Provider Organization (PPO) is the flexibility it offers in choosing healthcare providers and services. Unlike other plans, such as Health Maintenance Organizations (HMOs), PPOs do not require members to select a primary care physician or obtain referrals to see specialists. This means that individuals can directly access a wider range of healthcare providers and specialists without needing prior authorization, which can save time and provide more responsive care. Additionally, while staying within the network typically results in lower costs, PPO members still maintain the option to seek care from out-of-network providers, albeit at a higher cost. This level of flexibility and choice is particularly appealing to those who prioritize having a range of options for their healthcare needs.