A PPO, or Preferred Provider Organization, is a type of health insurance plan that offers a network of healthcare providers. Members can choose to receive care from these preferred providers at a lower cost, but they also have the option to see out-of-network providers, usually at a higher expense. This flexibility allows individuals to manage their healthcare needs according to their preferences. PPOs typically require members to pay a monthly premium, along with deductibles and copayments for services. They do not usually require referrals to see specialists, making it easier for patients to access a wide range of medical services without needing prior approval from a primary care physician.