Preferred Provider Organization

This is a type of Medicare Advantage Plan where you must use the physicians, medical facilities, and other health care professionals contracted to the plan. Although you are free to use providers outside the PPO network, it will cost extra. Unlike a Health Maintenance Organization (HMO), though, you don’t need a referral if you wish to see a preferred specialist.

Harry decided to go with a Preferred Provider Organization Plan because he wanted the freedom to see a specialist without the need for a referral.