Which statement about PPO plans best describes their network and referrals?

• A. A PPO provides coverage only for in-network services and requires preauthorization for specialist visits.
• B. A PPO requires referrals to see specialists and limits out-of-network coverage.
• C. A PPO allows care from both in-network and out-of-network providers without a gatekeeper and generally does not require referrals for specialists, but has higher premiums and cost-sharing.
• D. A PPO has lower premiums and lower cost-sharing than an HMO.

Answer: (C)