Healthcare.gov claims that PPO insurance plans offer lower rates when covered individuals and families receive care from preferred providers. These plans include many different options depending on the company offering the plan. Some plans are available only to Medicare recipients. Providers within the specified network offer lower costs.Continue Reading
PPO coverage includes any type of health insurance covering care within a pre-approved list of health care providers. Patients may visit any provider included in the plan's network. Aetna claims to offer coverage within a specified network, as an example of a PPO company. WebMD claims that patients may also use out-of-network providers in a PPO plan, but are likely to pay higher rates. Plan benefits differ tremendously and may offer different networks with each different plan and company.
As Medicare reports, PPO plans are available that specifically cover Medicare recipients. This type of PPO is a private version of Medicare Part C. These plans often cost more than traditional Medicare but offer additional benefits. Patients may use this plan to visit out-of-network providers. This type of PPO is only available to patients eligible for Medicare. Specialty care without a referral is usually permitted and fully covered by the plan, while outside specialists may cost significantly more.Learn more about Health Insurance