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Advantages and Disadvantages Of A PPO

Advantages of PPOs

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Unlimited Choice Of Doctors : Like Fee-For-Service (Indemnity) plans, there is total freedom of choice of what doctor and other health care provider to see and when, as well as what treatment to receive and where.

Premiums: Premiums are usually less expensive for a PPO plan than a Fee-For-Service plan but more expensive than a managed care plan such as an HMO.

Limit on Costs: If a PPO provider is used, there is no worry that the charge will be higher than the plan allows. Because the provider and the plan have agreed in advance on the fee, you will never pay more than your percentage of the contracted fee. Usual, customary and reasonable is not an issue as long as you use network doctors and facilities.

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