大部分PPO不需要 referral

In most cases,PPO (Preferred Provider Organization)health plans donotrequire a referral from a primary care physician (PCP) to see a specialist。

Co-pay ofspecialist

• In-Network: You pay the lowest negotiated flat rate (e.g., $50).
• Out-of-Network: Copays are significantly higher (e.g., $75$100),