A Preferred Provider Organization (PPO) is a type of health insurance plan that offers flexibility in choosing healthcare providers. Members can see any doctor or specialist, but they save more money by using providers within the plan's network. This means that if you visit a network doctor, your out-of-pocket costs will be lower compared to going to an out-of-network provider. PPOs typically require a monthly premium and may have deductibles and co-pays. They are popular because they allow patients to manage their healthcare without needing a referral from a primary care physician to see a specialist. This flexibility makes PPOs appealing for many individuals and families.