How do PPO Deductibles Work?
A medical insurance deductible represents money that you have to personally pay for medical services every year before your insurance coverage starts helping. In PPO plans, there might be two separate annual deductibles. One applies to services within the PPO network, and the other—usually a higher amount—to services outside the network. The higher deductible for out-of-network services is intended to encourage you to use the PPO’s preferred providers within the network. This way, the plan aims to promote in-network usage by offering lower costs for services provided by their preferred healthcare professionals.