This content is for general informational purposes and does not constitute medical, legal, or financial advice. Healthcare rules and costs change annually. Last reviewed: January 1, 2025. Always verify current details with your insurer, employer, or a licensed healthcare navigator.
PPO (Preferred Provider Organization)
A flexible plan that lets you see any doctor without a referral, with lower costs in-network.
Full Definition
A PPO gives you the freedom to see any doctor or specialist — in-network or out-of-network — without a referral. In-network providers cost less. You don't need a primary care physician. PPOs typically have higher premiums than HMOs but offer greater flexibility in provider choice.
Real-World Example
With a PPO, you can schedule directly with a dermatologist across town without asking your regular doctor first. You'll pay less if the dermatologist is in-network.
Related Terms
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Top Providers
Companies that offer this plan type. Click any card to visit their official website.
UnitedHealthcare
uhc.com
Largest US health insurer. Offers HMO, PPO, EPO, and HDHP plans through employers and the ACA marketplace.
Blue Cross Blue Shield
bcbs.com
Nationwide network of independent BCBS companies covering all 50 states. Offers HMO, PPO, POS, and HDHP plans.
Aetna (CVS Health)
aetna.com
National insurer offering HMO, PPO, EPO, and HDHP plans through employers and the marketplace.
Cigna Healthcare
cigna.com
Global health services company offering HMO, PPO, EPO, and HDHP plans, with strong international coverage.
Humana
humana.com
Major insurer offering PPO, HMO, and HDHP plans through employers and the marketplace.
Elevance Health (Anthem)
elevancehealth.com
One of the largest BCBS licensees. Offers HMO, PPO, EPO, POS, and HDHP plans across many states.
Plan availability varies by state and employer. Always verify current offerings directly with the provider.
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