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PPOs have a stronger presence in some regions than others, and in areas where there are regional PPOs, the non-PPO benefit is the standard benefit. Generally enrolling in a FFS plan does not guarantee that a PPO will be available in your area. This approach usually will save you money. Most networks are quite wide, but they may not have all the doctors or hospitals you want. For instance, lab work and radiology services from independent practitioners within the hospital may not be covered by the PPO agreement. However, going to a PPO hospital does not guarantee PPO benefits for all services received within that hospital. When you visit a PPO you usually won't have to file claims or paperwork. Fee-for-Service (FFS) Plans with a Preferred Provider Organization (PPO)Īn FFS option that allows you to see medical providers who reduce their charges to the plan you pay less money out-of-pocket when you use a PPO provider. This approach may be more expensive for you and require extra paperwork. When you need medical attention, you visit the doctor or hospital of your choice. Fee-for-Service (FFS) Plans (non-PPO)Ī traditional type of insurance in which the health plan will either pay the medical provider directly or reimburse you after you have filed an insurance claim for each covered medical expense. Fee-For-Service (FFS) plans generally use two approaches. Multi-State Plan Program Toggle submenuĭifferent types of plans help you get and pay for care differently.Flexible Spending Accounts Toggle submenu.
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