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PPOâs allow you to see any doctor or facility in their network without obtaining a referral. 1  Additionally, out-of-network benefits allow you to see providers not in the network, but at a higher cost to you. This is important if you frequently travel outside of the provider area.
HMOs are valuable in providing good care for many members  many HMOs organizations take very good care of their members health care needs while managing costs. IPO: IPO (Independent Provider Organization) operates by having an HMO contract directly with independent physicians to provides services to HMO members. PPO: PPO (Preferred Provider Organization) is a form of managed care under which health care providers contract to provide medical services at pre-negotiated rates.