PPO Plans
PPO health insurance, when flexibility matters.
A Preferred Provider Organization (PPO) plan lets you see specialists without a referral and typically covers some out-of-network care. We help you find the PPO plans available in your state and check whether your doctors are in-network.
Who this may suit
- People who value being able to see specialists directly.
- Households with providers in multiple states or during travel.
- Anyone who has felt boxed in by an HMO's narrow network.
- Employers offering PPO options to their team.
Important considerations
- PPO premiums are often higher than HMO plans with similar deductibles.
- Out-of-network care usually costs more and may have separate deductibles.
- PPO availability differs by state and carrier.
- Always confirm your current doctors and preferred hospitals are in-network before enrolling.
Common questions
How is a PPO different from an HMO?+
HMOs typically require a primary care physician and referrals to see specialists, and they generally don't cover out-of-network care except in emergencies. PPOs offer more flexibility but often at a higher premium.
Do you have PPO plans in my state?+
Availability varies by state and ZIP code. Tell us where you live and we'll show what's available.
Are PPOs available off-exchange?+
Yes, and off-exchange PPOs often have broader networks than marketplace HMOs.
Related coverage
Plan availability, eligibility, pricing, benefits, provider networks, and underwriting requirements vary by state, carrier, and individual circumstances. Summit Health Advisors does not represent every carrier or every plan available in your area. Submitting information does not guarantee coverage, pricing, enrollment, or eligibility.