What Does A PPO Health Insurance Cover? 
It 's not so much what it covers , but what it is . A PPO in long form is a Preferred Provider Organization . What that means is the PPO is a network of doctors -LRB- all types -RRB- belonging to a group -LRB- PPO -RRB- that discount their services for insureds that use them . The idea behind PPO is to encourage insureds to use those doctors in the network by offering lower costs and/or better coverage within the network . The PPO and the insurance companies have made pre-arrangements for payment for services . The doctors accept less in payment because the insurance plan design will encourage insureds to use the PPO network . Hope this helps . As far as coverage , a PPO could cover a variety of things in the plan design . 