What does PPO stand for in health insurance?

PPO stands for Preferred Provider Organization. This type of health insurance plan provides members with a network of healthcare providers who have agreed to provide services at reduced rates. One of the main features of a PPO is that it allows members to choose their healthcare providers while still encouraging them to use those within the preferred network to save on costs. This flexibility appeals to many individuals who want the option to see specialists without needing a referral, which is often required in more structured health insurance plans.

The other terms presented do not correspond to established concepts in health insurance. Personal Protection Option does not have significance in this context, Public Policy Organization does not relate to health insurance structures, and Patient Payment Obligation focuses on payment responsibilities rather than the organizational structure of care provider relationships. Understanding the nature of PPOs and their benefits is essential for navigating health insurance options.