Key feature of PPO?

• A. Lower premium and less flexibility.
• B. In-network only with low costs.
• C. More flexibility but higher cost.
• D. No deductibles.

Answer: (C)

PPOs are defined by a balance between freedom of choice and cost. They let you see any doctor, including out-of-network providers, without needing a referral for specialists, which gives you much more flexibility. However, this freedom comes with higher costs: premiums are typically higher, and out-of-network care often carries higher out-of-pocket costs. In-network care is cheaper due to negotiated rates, but you aren’t limited to it. Deductibles can apply in many PPO plans, so the idea of “no deductibles” isn’t a defining feature. Therefore, the best description is that a PPO offers more flexibility but higher cost.