A Preferred Provider Organization, often referred to as a PPO Network, is a group of participating providers that have agreed to provide comprehensive services at a reasonable cost to you and your employer. These participating providers have agreed to accept fixed fees for services covered under the plan. These rates are often much lower than the provider’s standard charges. Generally, the plans cover a higher percentage of the allowable charges at a PPO provider than a non-PPO provider to encourage in-network utilization.
You can access PPO network directories online. It is your responsibility to confirm participation in the network by contacting the provider. We recommend that you call the provider directly prior to receiving services.
You can also find out if your doctor or dentist is participating in one of the following ways:
- You can visit providers who do not participate in the network; however, you may be billed for out-of-pocket expenses above the plan allowable amount and any deductible or coinsurance amounts as defined by your plan.
- If you would like the network to attempt to recruit your provider to participate in the network, please contact the network at the number listed next to the network on the Find a Provider page.