A preferred provider organization (PPO). If you have a PPO this means your health insurance plan enters into contractual agreements with health care providers and creates a "provider network." But unlike HMO's, PPO health insurance will not be as restrictive as an HMO plan. With a PPO you have much more freedom to go to almost any doctor you want as long as he is a participating provider. There is no need with referrals in a PPO plan either. PPO plans often
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