Which of the following is correct regarding selecting a primary care physician in a PPO plan?

A. Out-of-network providers may be used for an additional premium.
B. The insured may choose medical providers not found on the preferred list.
C. Insureds typically pay lower out-of-pocket costs for out-of-network providers.
D. An insured must receive pre-certification prior to visiting a preferred provider.

In a PPO plan, insured individuals have flexibility in choosing medical providers and can use out-of-network providers for an additional cost, impacting out-of-pocket expenses.

Explanation:

In a Preferred Provider Organization (PPO) plan, the insured may choose medical providers not found on the preferred list, allowing for more flexibility.

Out-of-network providers may be used for an additional premium in a PPO plan, providing the option for care outside the preferred network.

Insureds typically pay higher out-of-pocket costs for out-of-network providers in a PPO plan compared to in-network providers.

Learn more about Health maintaining organizations (HMOs) versus Preferred Provider Organizations (PPOs) here:

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