Accident & Health FundamentalsQuestion 663 of 716
In a PPO, using an out-of-network provider generally results in:
a.Coverage at a higher out-of-pocket cost to the insured
b.A cash bonus from the insurer for choosing that provider
c.No coverage at all, not even for emergency treatment
d.Exactly the same cost sharing as staying in network
Explanation
A PPO still covers out-of-network care but at a higher cost to the insured, preserving flexibility. It neither denies out-of-network care nor charges the same as in-network.
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Reviewed by John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — verify)