The Ultimate Guide to Nationwide PPOs: What You Need to Know
- March 16, 2023
- Ask Betty!
This week we are looking at the question of whether someone who is young and healthy needs to consider getting a nationwide PPO plan. This is an important question that many people who are younger and healthier may not think they need. However, there may be some benefits that can come with having a nationwide PPO plan.
Q from YOU to Ninja HQ
“I‘m young and healthy, do I really need a nationwide PPO plan?”
Nationwide PPOs, Out-of-Network Fees , & Emergencies
The first benefit to consider is protection for medical emergencies. In 2023, a new law was passed that made it illegal for insurers to charge out–of–network fees if someone needed to seek medical attention for an emergency. This means that if you were to break your ankle while traveling, or to have a heart attack, you would still be covered regardless of where you were, which can provide amazing peace of mind.
Access the Doctors & Hospitals YOU Want
Another benefit to consider is convenience when it comes to accessing care. With a nationwide PPO plan, you can access care from any provider or hospital that is within the PPO plans network. This makes it easier if you need to locate a provider while away from home. It can also mean quick access to specialized care or treatments, something that is especially important if you are dealing with a chronic condition.
NO Referrals Needed with Nationwide PPOs
Another very important benefit of nationwide PPO plans is NOT needing a Referral to see a Specialist! See any Specialist you desire and a PPO plan will NOT require you ask your PCP for a Referral & then go to who your Doctor/Insurance company wants.
Conclusion on Nationwide PPOs
Overall, it is important to consider the benefits of having a nationwide PPO plan, even if you are young and healthy. It is important to remember that medical emergencies can happen at any time and may happen far away from home. Bur NOW Emergencies can NOT be charged Out-of-Network fees. So no matter whether you have an HMO or PPO, your coverage would work EXACTLY the same no matter WHERE the emergency happened,
That said, the peace of mind that a Nationwide PPO plan can bring is invaluable, as is the ability to access quality health care anywhere. Additionally, the cost savings that you will experience with a nationwide PPO plan often offset the costs of the plan itself.
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The Ultimate Guide to Nationwide PPOs: What You Need to Know
- March 16, 2023
- Ask Betty!
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Get your bi-weekly dose of “Ask Betty!” series. This is an activity that YOU can participate in, and if YOUR question is used in an Episode, we’ll email you a $25 Amazon gift card! Good luck.
PM your insurance question to Ninja Betty via our Facebook Business page (here).
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Subscribe to our monthly newsletter & receive all our free resources once a month in your Inbox.
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