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What is a PPO?

PPO stands for Preferred Provider Organization. A PPO health insurance plan allows for more flexibility and more choices when it comes to your healthcare.

A PPO plan offers a network of healthcare providers to choose from, and you have the freedom to receive care from any in- or out-of-network doctor, specialist or hospital without a referral – even when you travel. Keep in mind, however, that your out-of-pocket medical costs are lower when you choose an in-network provider.

Is a PPO plan right for me?

Consider these key factors when trying to decide if a PPO plan is right for you:


PPO plans do not require you to choose a Primary Care Physician (PCP) and do not require referrals. Let’s say you have a doctor or specialist with which you have a long-standing relationship. A PPO plan would allow you to continue your visits regardless of whether your doctor or specialist is in- or out-of-network and without a referral from a PCP.

It is important to remember, that while you can receive care from any doctor, specialist or hospital you choose, you will save more money by choosing an in-network provider.

If you choose a PPO plan with Humana, you will become part of the Humana network. To find doctors, specialists and hospitals that are included in your network’s select group, use Humana’s easy-to-use Finder Tool.

Higher Monthly Premium

The greater flexibility that comes with a PPO plan often comes with a higher monthly premium, a deductible that must be met before coverage begins, and co-pays. While you can choose to use doctors, specialists or hospitals outside of your network, there will be higher out-of-pocket costs associated with these visits and some services may not be covered. If you are someone who doesn’t see a lot of specialists or would like to have your care coordinated through a PCP, then you might save more money with an HMO plan. The key is to find a balance between the coverage you want and the premium you can afford. For more help deciding which type of plan is right for you, visit our HMO vs. PPO page.

Have you already decided that a PPO plan is the way to go? Click Quote Now to see price and coverage details for individual PPO plans in your area.

Interested in a PPO plan and over 65?

If you are eligible for Medicare and looking for a PPO, find out more about the HumanaChoice (PPO) plan.

Employer provided PPOs

Read more about Humana’s PPO plans offered through your employer.

PPO options for employers

Are you a business looking to offer PPO plans to your employees?

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With an array of insurance options and extras, Humana lets you build a personalized plan to fit your life, budget, and family.

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