PRIVATE PPO PLANS

Private PPO Plans — Broader Access, Greater Flexibility.

PPO plans are a type of private health insurance that typically allow members to visit specialists without a referral and access both in-network and out-of-network providers. Our licensed advisors help you compare available PPO options from multiple carriers.

Compare PPO Plans
Choose Your Doctor (In and out-of-network benefits)
Skip the Referrals (Direct access to specialists)
Travel with Confidence (Nationwide coverage network)

HMO vs. PPO: Understanding the Difference

Both plan types have advantages depending on your healthcare needs and preferences. Here is how they compare:

1

PPO

Preferred Provider Organization

  • Complete freedom to choose your doctors
  • Direct access to specialists (no referrals)
  • Nationwide protection when you travel
  • No primary care gatekeeper required
  • Out-of-network benefits included


2

HMO

Health Maintenance Organization

  • Must use an assigned primary care doctor
  • Referrals required to see any specialist
  • Out-of-network care generally not covered (emergency exceptions may apply)
  • Network confined to your local regional area
  • Generally lower monthly premiums
  • Predictable, lower out-of-pocket expenses
Check Your Savings Potential

Calculated based on optimized marketplace plans. Individual results vary.

Premium Benefits of a PPO Plan.

Experience the ultimate combination of top-tier coverage and absolute healthcare freedom.

Flexible Provider Access

PPO plans typically allow members to visit specialists without a referral. Access to out-of-network providers is generally available, though at a higher cost-sharing level.

Broader Provider Networks

Many PPO plans offer access to large national provider networks, which may be beneficial for individuals who travel frequently or reside in multiple locations throughout the year.

Comprehensive Pharmacy Benefits

Enjoy robust prescription coverage that keeps your out-of-pocket costs low for both generic and brand-name medications.

Complete Emergency Care

Unwavering protection for hospital stays, surgeries, and ER visits, giving you peace of mind in any medical crisis.

Uncompromised Mental Health

Prioritize your well-being with full access to therapy and counseling from the behavioral health professionals you prefer.

Preventive Care Benefits

Many PPO plans include coverage for preventive services. Specific coverage details, cost-sharing, and in-network requirements vary by plan.

Take Charge of Your Healthcare Today

Review PPO Plan Options: Our licensed advisors help you compare private PPO plans from multiple carriers to find coverage that aligns with your provider preferences and budget.