Nevada Life & Health Insurance Practice Test

In a Preferred Provider Organization (PPO), members enjoy greater flexibility regarding their healthcare choices, which includes the ability to visit specialists directly without needing a referral. This is one of the hallmark features of a PPO, as it allows patients to take charge of their healthcare decisions and access a range of specialized services without the constraints found in other types of plans, such as Health Maintenance Organizations (HMOs).

The design of a PPO emphasizes a network of providers, which often includes both primary care physicians and specialists. However, unlike HMO structures that typically require referrals from primary care physicians to see specialists, PPO members can consult with specialists directly. This option aligns with the PPO's premise of having a broader choice of providers and more direct access to specialized care, thus making it appealing for those who value convenience and autonomy in their healthcare decisions.