Which statement is true about PPO plans?

Which statement is true about PPO plans?

• A. Referrals are always required
• B. You can choose in-network or out-of-network providers
• C. Out-of-network providers are cheaper
• D. You must use in-network PCP

Answer: (B)

PPO plans are built around flexibility in choosing providers. You have the option to see any licensed doctor or facility, whether in-network or out-of-network. When you stay in-network, you’ll typically pay lower copays, deductibles, and coinsurance because those providers have agreed to negotiated rates. If you choose an out-of-network provider, you can still get coverage, but the costs are usually higher and you may have less favorable benefits. That’s why the statement about being able to choose in-network or out-of-network providers is true. It reflects the core advantage of a PPO—less gatekeeping and more freedom to see who you want without needing referrals. The other statements don’t fit PPO structures: referrals aren’t universally required, out-of-network providers aren’t cheaper, and there’s no mandatory use of an in-network primary care physician before seeing other specialists.

PPO plans are built around flexibility in choosing providers. You have the option to see any licensed doctor or facility, whether in-network or out-of-network. When you stay in-network, you’ll typically pay lower copays, deductibles, and coinsurance because those providers have agreed to negotiated rates. If you choose an out-of-network provider, you can still get coverage, but the costs are usually higher and you may have less favorable benefits.

That’s why the statement about being able to choose in-network or out-of-network providers is true. It reflects the core advantage of a PPO—less gatekeeping and more freedom to see who you want without needing referrals. The other statements don’t fit PPO structures: referrals aren’t universally required, out-of-network providers aren’t cheaper, and there’s no mandatory use of an in-network primary care physician before seeing other specialists.