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Things to know about PPO plans

  • For most PPOs, you can visit any doctor to receive care, and you don’t need a referral to see a specialist.
  • You typically pay less to visit providers that participate with your plan’s network.
  • You usually pay a bit higher premiums than with HMO plans.

Why we recommend this plan:

  • Your priority is keeping your premiums low, even if it means paying a bit more at the doctor. PPO plans tend to be less expensive than Medigap plans paired with Original Medicare (Parts A and B).
  • You also want to choose your own doctors and specialists, and PPOs give you more provider flexibility than HMOs.