Which of the following is a characteristic of a preferred provider organization (PPO)?

A preferred provider organization (PPO) is known for its flexibility regarding healthcare provider options. One of the core characteristics of a PPO is that it allows members to see any provider without the need for a referral. This is a significant advantage for members who value the ability to manage their own healthcare decisions and choose specialists or other providers as needed.

In contrast, models like health maintenance organizations (HMOs) typically require referrals from a primary care physician before members can see a specialist, which is not the case with PPOs. Additionally, while PPOs do have a network of preferred providers that often offer lower rates, they do not limit members to this network. Members can choose to see out-of-network providers, albeit usually at a higher cost.

This structure makes PPOs particularly appealing for individuals who prioritize choice and flexibility in their healthcare services.