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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.
PPO subscribers have the option of using preferred providers within the plan or non-preferred. providers. Subscribers are encouraged to stay within the preferred provider network through. discounted fees-for-service, lower deductibles, lower coinsurance requirements, and lower fees.