Preferred Provider Organization - PPO

PPO (Preferred Provider Organization) - A health care organization composed of physicians, hospitals, or other providers which provides health care services at a reduced fee. A PPO is similar to an HMO, but care is paid for as it is received instead of in advance in the form of a scheduled fee. PPOs may also offer more flexibility by allowing for visits to out-of-network professionals at a greater expense to the policy holder. Visits within the network require only the payment of a small fee. There is often a deductible for out-of-network expenses and a higher co-payment.

PPO for Individuals is a Preferred Provider Organization (PPO). This plan offers you the flexibility of going in-network or out-of-network for medical care. If you go to a physician, specialist or hospital that is in our network (a preferred or participating provider), you receive more savings and benefits. You have the option of receiving from a non-preferred provider, however, and in those cases the plan pays at a reduced level. With PPO, you choose which provider you want to see each time you need care.

Plan Advantages:

Extensive Provider Network - Hospital and physician networks across the state provide easy access for members. Our large networks give you a broad choice of preferred physicians -- by visiting them you have the opportunity to save on your health care.

Freedom of Choice - You have the option of seeing any eligible licensed provider you wish. You can choose in-network providers or out-of-network providers, depending on your personal situation. The choice is up to you.

You Select the Plan That's Right for You - PPO for Individuals offers six plan options with different deductible amounts, allowing you to choose the plan that fits your budget.

PPO for Individuals offers six plan options with different deductible amounts. The higher the annual deductible you select, the lower your monthly premium will be.