What is a characteristic feature of a PPO plan?

A characteristic feature of a PPO (Preferred Provider Organization) plan is the higher premiums and no referral requirements. PPOs offer greater flexibility in choosing healthcare providers compared to other plan types like Health Maintenance Organizations (HMOs). Members in a PPO can see any specialist without needing a referral from a primary care physician, which allows for more direct access to specialists and varied healthcare services.

This freedom comes at the cost of higher premiums since PPOs provide a broader network of providers and less stringent rules about accessing care. Members can also choose to see providers outside of the network, although doing so usually results in higher out-of-pocket costs. This aspect of PPOs is appealing to many individuals who prefer the autonomy to select their healthcare services without the need for prior authorization or referrals.