PPO plans have many levels of coverage for members to choose from. In fact, these plans offer the most variety of any medical plan, with deductibles ranging from $500-$15,000. As such, it caters to a number of different segments of the population, including lower income workers and the budget-conscious.
Just as in HMOs, preventive care is provided on a no-deductible basis, where hospitalization involves a copay or coinsurance percentage amount. And while an HMO often offers cheaper premiums, in the long run a PPO Plan can pay for itself through its freedom and convenience.
PPOs are a good choice for both families and individuals who rank freedom of choice high on their list of priorities. PPO members can obtain a second opinion if need be, and they may see a specialist without asking permission from their primary care provider. PPOs are especially good for families on a budget, since all costs are veritably negotiable; members can usually find someone who will provide you the same service as a more expensive provider, but without losing your chosen physician. Finally, there are now modern PPO plans that offer limited benefits such as hospitalization or surgical policies only, so that those who do not want to pay extra for services they don't personally need can eliminate those services without sacrificing the whole policy.
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