Which statement best describes a Preferred Provider Organization (PPO)?

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PPOs emphasize flexibility and provider choice without a gatekeeper. You don’t need a primary care physician referral to see a specialist, and you can choose providers both in-network and out-of-network. The plan operates on a fee-for-service framework with negotiated discounts for in-network care, so costs are lower when you stay with in-network providers. Out-of-network care is allowed but typically carries higher cost-sharing. This combination explains why the best description is that you have access to both in-network and out-of-network providers, with discounts for using in-network providers.