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The PPO (Preferred Provider Organization) is a plan where you have a large choice of providers within a network. You can choose any provider in the network and can change providers whenever you like. You will be able to choose your deductible which can be $250, $500, $1000, $2500 or more. The higher the deductible, the lower your premium will cost you.
In a calendar year after you pay your deductible the health insurance company will start paying a certain percentage of the covered medical expenses. This is called the co-insurance. For instance they'll pay 80% and you'll pay 20% until you reach the stop-loss amount, after which they will pay 100% of the covered medical expenses.
Plans vary according to the benefits they offer. Some plans offer special options; Doctor's office visit co-pays, Maternity coverage, emergency room coverage, critical illness extra benefits, life insurance.
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