What is a PPO, and how does out-of-network coverage work?
PPO plans offer more flexibility than HMOs and often include out-of-network benefits without requiring referrals. Coverage and costs vary by plan, and we can help you review your benefits before starting care.
A PPO (Preferred Provider Organization) is a type of insurance plan that offers more flexibility in choosing your healthcare providers. Unlike an HMO, PPO plans typically do not require a referral from a primary care provider to see a specialist, including a neurologist.
PPO plans usually include both in-network and out-of-network benefits. This means you may still receive coverage even if your provider is not in your plan’s preferred network — though your deductible, copay, or coinsurance may be higher. Coverage details vary by plan, so it’s important to review your specific benefits to understand your financial responsibility.
If you’re unsure whether your PPO includes out-of-network benefits or what your expected costs might be, our team can help verify your coverage and explain your options before you schedule care.