Compare These Top Vendors for PPOs


Preferred provider organizations, as well as resources and information on PPO plans.
State Farm

Get business health coverage from a company with exceptional claim service. State Farm agents understand the needs of small businesses and can help you protect your business & plan for your future. Find an agent today.

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Texas Auto Insurance

Providers of auto insurance in Texas. Browse listings of Texas auto insurance companies and review providers offering Texas auto insurance quotes online. Select providers of auto insurance in Texas that meet your business needs.

www.business.com/insurance/texas-auto-insurance/
Auto Insurance in Massachusetts

Find Massachusetts auto insurance providers to protect your company cars or other business vehicles. Review various car insurance companies in Massachusetts to get the most appropriate automobile insurance for your business needs.

www.business.com/insurance/auto-insurance-in-massachusetts/
California Auto Insurance

Quickly find providers of California auto insurance coverage. Search listings for links to car insurance companies in California offering competitive California auto insurance rates and quotes.

www.business.com/insurance/california-auto-insurance/
European Auto Insurance

Find European auto insurance providers and European car insurance companies to protect your company cars or other business vehicles. Review various UK car insurance providers to get the most appropriate automobile insurance for your business needs.

www.business.com/insurance/european-auto-insurance/
Auto Insurance in Oregon

Quickly find providers of auto insurance in Oregon. Research Oregon insurance companies offering car insurance for Oregon families and individuals. Identify brokers offering Oregon auto insurance quotes online for increased convenience.

www.business.com/insurance/auto-insurance-in-oregon/
Automotive Accident Analysis Consultants

Accident investigation services, including reconstruction and failure analysis.

www.business.com/insurance/automotive-accident-analysis-consultants/
Motorcycle Insurance

Business directory to motorcycle insurance.

www.business.com/insurance/motorcycle-insurance/
RV Insurance

Business directory to RV insurance.

www.business.com/insurance/rv-insurance/
Texas Auto Insurance

Source: /guides/texas-auto-insurance-2827/

Car insurance in Texas, like gas or rent, is expensive yet necessary. It doesn't just protect your car from dents; it protects you and other drivers from both bodily harm and financial ruin. Read More »

Texas Auto Insurance Key Terms

Source: /guides/texas-auto-insurance-key-terms-34720/

Most states have a different set of auto insurance rules and regulations and this is the case with Texas auto insurance. To understand the industry within the state, it's important to define the terms insurance companies use. Read More »

PPOs


A Preferred Provider Organization (PPO) health plan offers benefit rates that are dependent on the provider the member chooses. If you compare PPOs with Health Maintenance Organizations (HMOs), you'll see that a member receives higher benefit rates with the preferred provider option as long as the provider is within the PPO network. Usually, the member pays a co-pay at the time of service, plus a yearly deductible, prior to paying any percentage of incurred medical expenses.

The member of a PPO plan is usually responsible for 20% of medical fees for services rendered by network providers. PPO plans are also available for dentists and Medicare. Unless you are partial to a specific provider outside a particular network, a PPO health insurance plan may just be for you. When you compare PPO plans, remember to:

1. Review the provider network when you compare PPO plans.

2. Check the size of the deductible, if any, that must be paid before insurance kicks in.

3. Know the percentage distribution between the member and insurance company.

Compare PPO plans for flexibility

As a member of a PPO, you are allowed to use an out-of-network provider without permission or a referral. In doing so, however, you may have to pay a higher fee. This is because in-network providers agree to offer better pricing because you are more likely to choose them if they are a part of your network. Additionally, the insurance company is likely to pay a smaller percentage of the medical fees.

Factor in the disadvantages of a PPO

PPO plans do have their disadvantages. Sometimes a member must decide whether to drop an existing provider. This can be difficult, especially if the provider is a trusted family doctor. This restrictive nature of the preferred provider option is the biggest negative.

Consider dental PPOs and Medicare PPOs

In addition to regular PPO health plans, dentists and Medicare providers can also sign up to be part of an exclusive network to receive PPO status. In both cases, members are charged smaller copays simply for using the providers within the network. The benefits include quicker service, less hassle and affordable premiums.

  • Review the in-network providers when you compare PPOs. Plans may be limited, and you may be forced to use an out-of-network provider and pay higher costs.