Final answer:
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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