What is a PPO Insurance Doctor?
A PPO insurance doctor is a physician contracted with an insurance company to be part of its preferred provider organization. Unlike health maintenance organizations (HMOs), PPOs allow members to visit their choice of physician from a broader network of providers without pre-approval or seeing a primary care physician first.
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Special Rates
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PPO insurance networks negotiate discounted rates for PPO insurance plan members, notes ConnectCare, so PPO insurance doctors charge a different fee for PPO members than for patients with other insurance. VitalOne, a health insurance provider, reports that premiums for PPO insurance are usually higher than other types of plans to account for the increased flexibility, greater discounts and access to broader doctor networks.
Services
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PPO insurance doctors perform the same services as doctors who accept other kinds of insurance. The main difference between PPO insurance doctors and those that take other insurance is that you do not need pre-approval to see a PPO insurance doctor, according to the California Office of the Patient Advocate.
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Locating a PPO Doctor
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Check with your PPO insurance plan to find a doctor that is part of your PPO insurance network. Call the number on your PPO member card, visit the PPO's website or review the directory of in-network physicians that you should have received when joining your PPO.
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