PPO is much like an HMO as you still have access to quality health providers at a fixed rate. The key difference is patients are not required to choose a
primary care physician and do not need referrals to see a specialist. Though this comes at a cost as this type of plan usually involves higher out-of-pocket
expenses such as copays, and higher premiums. In order to save a few dollars, in-network providers should be used but are not mandatory. (Humana, 2022) Discuss.