What Does A PPO Health Insurance Cover? 
A Preferred Provider Organization -LRB- PPO -RRB- is a way in which medical care is delivered . If the health plan you are under is administered by a PPO it means that you may take advantage of the services of a selected group of physicians , hospitals etc. . The providers who are a part of the PPO have agreed on the charges that they will make to the insurance company . They usually are reduced from the normal fees . If you elect to go to a provider who is not a part of your network , the company might honor the claim , however , the payout to the provider might be less than the amount charged . The difference would then be yours to complete . There are other ways that this can be handled but the key is that the group in the PPO delivers medical care at a reduced charge , to you and to the insurance company and that if you go outside the PPO it will cost you more in most cases . 