Georgia Navigator Practice Exam

In a PPO, what advantage do enrollees have with providers?

1. They must pay upfront for all services

2. They receive discounts for using in-network providers

3. They are limited to in-network services only

4. They do not have any choice in healthcare decisions

The correct answer is: They receive discounts for using in-network providers

In a PPO, one of the key advantages for enrollees is the ability to receive discounts for using in-network providers. This structure is designed to encourage enrollees to utilize a specified network of healthcare providers who have agreed to provide services at reduced rates. By choosing an in-network provider, enrollees benefit from lower out-of-pocket costs, such as copayments and deductibles, which can significantly reduce their overall healthcare expenses. The benefit of having a flexible provider choice is also a hallmark of PPO plans, allowing enrollees to see specialists without requiring a referral, which adds to the appeal. The financial incentives tied to in-network care promote the use of these preferred providers, ultimately leading to cost savings for both the insurer and the enrollee.