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 and urgent care services as defined by your plan documents are covered at the in-network level.
Medical plans are insured and/or administered by Cigna Health and Life Insurance Company (CHLIC) or Connecticut General Life Insurance Company. Plans contain exclusions and limitations and may not be available in all areas. For costs and details of coverage, see your plan documents. Policy forms: OK - HP-APP-1 et al., OR - HP-POL38 02-13, TN - HP-POL43/HC-CER1V1 et al.