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Medicare Advantage PPO Plan
More provider flexibility than an HMO, with higher costs for out-of-network care.
Talk to a Licensed Agent: (302) 407-0876A Medicare Advantage PPO (Preferred Provider Organization) plan offers more provider flexibility than an HMO, with higher costs for out-of-network care. PPO plans are built for people who want the option to see providers outside a fixed network without needing a referral.
Compare PPO Plans Available Near You
Speak with a licensed insurance agent at no cost or obligation
Call (302) 407-0876In-Network vs. Out-of-Network Costs
PPO plans have a network of preferred providers where your costs are lowest, but they also allow you to see providers outside that network — typically at a higher copay or coinsurance. This gives you more choice than an HMO plan, at a cost.
| In-Network | Out-of-Network | |
|---|---|---|
| Referral needed | No | No |
| Typical cost | Lower | Higher |
| Coverage | Full plan benefits | May be limited depending on plan |
No Referrals Needed
Most PPO plans do not require a referral to see a specialist, which can simplify care if you regularly see multiple specialists or want the freedom to seek a second opinion without extra steps.
Who a PPO Plan Might Fit
A PPO plan often fits people who travel frequently, who see providers outside a single local network, or who simply want more flexibility and are willing to pay somewhat more for it.