A PPO is beneficial because it offers what type of network?

A Preferred Provider Organization (PPO) is designed to offer flexible access to a broad network of healthcare providers. This flexibility is a key feature that distinguishes PPOs from other types of health insurance models. Members of a PPO can receive care from any healthcare provider, but they receive higher benefits when using in-network providers. This layout encourages members to utilize a wide range of services while still having the option to see out-of-network providers, albeit at a higher cost.

The option that focuses on flexible access aligns perfectly with how a PPO operates, allowing enrollees to make choices based on their preferences rather than being restricted to a narrow selection of providers. In contrast, other models, such as Health Maintenance Organizations (HMOs), may require members to choose a primary care physician and obtain referrals for specialist services, which is not a requirement in a PPO. This flexibility in provider choice is a significant advantage for individuals who value autonomy in their healthcare decisions.