The web browser you are using will no longer be supported by To continue accessing the site without interruption, please upgrade your browser to the most recent version.

What is a PPO Plan?

Preferred Provider Organization (PPO) is a health plan that offers a large network of participating providers so you have a range of doctors and hospitals to choose from.

If you choose a PPO health plan, it’s important to know:

  • We recommend you choose a primary care provider (PCP) to serve as your personal health advocate and coordinate your health care, but it is not required.
  • If you choose to get care outside of the network (such as a physician, hospital, clinic or pharmacy), those out-of-network services will be covered at a higher cost to you and will have to submit claims yourself. You will also need to meet a separate out-of-network deductible. However, eligible emergency care is always covered, even out-of-network.
  • The PPO plan includes global emergency and urgent care coverage* 24 hours a day, seven days a week.

*Emergency Services as defined by your plan documents are covered at the in-network level.