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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: Preferred Provider Organizations PPO insurance is a relatively new, but rapidly growing, type of managed care plan, one developed to combine the lower cost of managed care with the greater degree of choice found in traditional health insurance.