PPO plans — Maximum flexibility — any doctor, no referrals, nationwide networks.
A PPO gives you the most freedom: see any in-network provider without a referral, and get partial coverage even for out-of-network care. National PPO networks from BCBS and UHC work across state lines — ideal for truck drivers, travel nurses, and remote workers. Our agents compare total PPO cost (premium + deductible + OOP max) across 6+ carriers.
PPO in plain English.
See any in-network doctor without a referral. Out-of-network providers are covered at lower rates. No primary care doctor required (but you can choose one). Nationwide networks available from BCBS, UHC, Aetna, and Cigna.
Best for:
Trade-offs to know:
Carriers offering PPO plans.
Cost range: $180–$520/mo after subsidies. Your agent compares total cost across all available carriers in your ZIP.
Twelve minutes, scripted.
We'll lay out exactly what your agent will ask, in what order, and why - so you know what to have in front of you before you pick up the phone.
A licensed agent picks up
No phone tree, no transfers, no hold music. Median answer time: 38 seconds.
They ask your ZIP and the ages of anyone covered
So they can pull plans actually available in your state - and confirm the right metal tier for your household.
They ask which doctors and meds matter to you
So they can rule out plans that don't include your providers or formulary. This is the step the marketplace skips.
They show you 3–5 plans side-by-side
Premium, deductible, max out-of-pocket, network size, and a plain-English read on what each gets you.
You pick - they enroll you on the call
Same call. Effective date is typically the 1st of next month. Confirmation by email and SMS within an hour.
You hang up insured
No follow-up sales calls, no info sold to anyone. If you change your mind, we have a 30-day support window - same agent.
You pay nothing. Ever.
We're paid a flat commission by the carrier when you enroll - the same amount whether you pick a BlueCross PPO or an Ambetter HMO. We have zero incentive to push you toward anything but the plan that fits. We don't sell your information. We don't email you for weeks.
Common questions about PPO plans.
Total cost = premium + deductible + OOP max. PPOs run $180–$520/mo after subsidies. They cost more monthly than HMOs, but the flexibility can save money if you have specialists or need multi-state coverage. Your agent compares total cost across all PPO options.
If you have specific doctors you want to keep, need multi-state coverage, or see specialists without referrals — yes. If you're healthy and flexible on providers, an HMO might save more. Your agent compares both.
Any in-network doctor, yes — no referral needed. Out-of-network doctors are also covered, but at lower rates (typically 50–70% vs. 80–90% in-network).
National PPOs from BCBS and UHC do — they have in-network providers in every state. Not all PPOs are national, though. Your agent confirms coverage in your specific states.
Yes — PPO plans are fully subsidy-eligible on the ACA marketplace. About 4 out of 5 enrollees qualify.
No. One brokerage, not a lead-gen site. BBB A+ rated.
100% free. Carriers pay us a flat commission.
12 minutes. Real savings.
Your agent compares PPO total cost across 6+ carriers. One call, $0 fee.
(866) 605-0702