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Many Americans get health insurance through their employers. Others look for coverage through the Health Insurance Marketplace. If you are part of an employer’s group plan, a preferred provider organization (PPO) is often one of your choices.
Here are some key things you should know about PPOs.
If you can participate in a PPO and are worried about high health care expenses, a PPO might be right for you.
If you rarely go to the doctor and have no health concerns, then you may decide to buy a plan with lower monthly premium payments. Think about your current health care needs and finances before making a decision. When you choose carefully, it can help you save money.
Just remember, it’s smart to weigh a PPO’s higher monthly premiums along with copays for tests and doctor visits. On the other hand, a PPO offers more coverage. You also pay less at doctor visits and when you have hospital stays, surgeries and costly medical tests.
Compare features and choose the best health insurance plan for your needs.
Originally published 6/14/2016; Revised 2021, 2022
I need to have a hysterectomy in July. I have not met my out of pocket deductible yet. I have on only met $900 of my $6100 deductible. How does that work when going in for the surgery?
Hi. Please send us a private msg with your contact info so that we can take a look at your particular plan. You can also call the number on the back of your member id card. - HeatherA
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