What type of coverage does a PPO network offer?

A PPO, or Preferred Provider Organization, network primarily offers both in-network and out-of-network coverage options. The key feature of a PPO network is its flexibility—members are encouraged to use in-network providers to receive a higher level of benefits, but they also have the option to seek care from out-of-network providers at a higher cost. This blend allows members to choose providers according to their preference, with the understanding that going out-of-network typically results in higher out-of-pocket expenses.

The other options, while they may pertain to aspects of insurance coverage, do not fully encapsulate the unique offerings of a PPO. In-network coverage refers specifically to the benefits received when using preferred providers, whereas a discounted network suggests there may be some level of financial advantage without the necessary flexibility that a PPO provides. An exclusive network might imply that members have no options outside of a specific group, which contrasts with the PPO's inclusive nature. Therefore, the correct understanding of a PPO network is its provision of both in-network and out-of-network coverage, with member choice and flexibility being central to its structure.