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Advantages & Disadvantages of Student PPO Health Insurance

Advantages of PPOs

  • With Student PPO Health Insurance you have free choice of healthcare provider.
  • Healthcare costs paid out of your own pocket (e.g., deductibles and co-payments) are limited.
  • You are allowed to visit any doctor you want, whether or not they are in your student health insurance plan’s network.
  • You don’t even have to have a primary care physician at all if you don’t want to.

Disadvantages of PPOs

  • As a Student PPO member, you’ll be responsible for more paperwork and expenses than HMOs.
  • A lot of PPO plans only cover the specified percentage of “reasonable costs” for out-of-network medical treatment.
  • PPO plan premiums are normally higher than those of other types of other student health insurance plans.
  • You will have to pay a deductible before the coverage takes effect

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