[header] How to choose a ppo [title] Make sure the doctors you need are covered under the plan. [step] While ppos typically have more extensive networks than hmos, it is important to see if any of your preferred providers are not on the list. With some doctors that you see only once a year, you may be willing to switch. 
But with a doctor or therapist you see regularly, you may want them to be in-network, as that can save you a lot of money. [substeps] Typically you should ask the provider and look up the information through your insurance's online service (assuming it provides one).