The PPO health insurance plan is very popular for many families here are a few of the features that make them so well liked.
Prescription coverage is important to many and that is a popular reason that people choose to go with a PPO. A PPO usually has co pay limits set forth for Prescriptions. The co pay amounts vary depending on the kind of prescription and sometimes has maximum limits each year.
Not all PPO plans have Preventative care, but many do. The typical Preventative benefit allows a Preventative exam once a year and is limited to a dollar amount such as as $300. They generally cover basic screenings and labs.
That brings us to labs and x-ray. Some people think that if they go for an office visit and have blood drawn for a lab that it will be covered with just their co pay amount. This is not the case. With most plans the lab or x-ray would be subject to the deductible or co insurance amounts.
The last thing to understand is exclusions, waivers and waiting periods. Study the plan details to make sure you understand these factors. These are sometimes the most overlooked factors and likely the most important if you have any pre existing conditions.
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