Q:

What is the Blue Cross Blue Shield PPO?

A:

Quick Answer

The Blue Cross Blue Shield preferred provider organization, or PPO, is a medical insurance plan option that gives members the freedom to choose their own doctors, rather than needing to have a primary care physician to refer them to other doctors they wish to see. Members pay different co-payments and other costs depending on whether the health care professional is in or out of the network, notes Blue Cross Blue Shield of Michigan.

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Full Answer

The Blue Cross Blue Shield PPO does have some limitations when members use out-of-network providers. In some cases, the plan might not cover a procedure the member wants, according to Blue Cross Blue Shield of Michigan. However, the plans usually do pay for common healthcare costs such as pre-natal care and doctor's office visits, and there are different plan level options.

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