The health insurance industry can be a complicated industry. Between HMOs, PPOs, EPOs, and POSs, many people struggle to keep all of the acronyms straight in their brains. Chances are that you’ve been offered at least one of these options, if not all of them, in your choice to find the right kind of health insurance for you. A PPO is one of the more common plans for people who are searching for insurance for themselves or their families. A PPO can potentially save policy holders a significant amount of money.
PPO stands for Preferred Provider Organization. It is a plan that allows patients to choose from a number of health care providers within a network. Normally a referral might be needed to see different specialists but under a PPO, policy holders can go to any specialist that is listed within the network without a referral.
Advantages of a PPO
A PPO is often a popular choice with insurance customers because it offers several advantages to other plans. In many cases, a PPO can help save money. However, it is important to note that every customer has different needs and what is the best for one customer might not be the best for another.
Typical advantages of a PPO could potentially include:
- A generally higher degree of flexibility
- No need for a referral
- Lower copays
- No need for a primary physician
- More options for health care
Disadvantages of a PPO
While PPOs generally offer a high degree of satisfaction, flexibility, and value, they are not always the perfect solution to every person’s needs. There can be some drawbacks to a PPO depending on a customer’s situation.
Typical disadvantages of a PPO could potentially include:
- Costs are not fixed and can be complicated to understand
- Under PPOs, you may be billed directly
- PPOs can be associated with more paperwork for health care claims
- Costs are higher if the customer needs to go out of network
Call a Professional
If you still aren’t sure if a PPO is right for you, call or visit the Blue Store South Carolina to speak with an experienced agent. The agents of Blue Store South Carolina are knowledgeable on all of the aspects of purchasing health insurance. Each agent will be able to help you understand the differences between insurance policies and find the plan that works the best for you. Contact us today and see the Blue Store difference.