If you’re looking for a plan that’s flexible, gives you freedom of provider choice, and the ability to see specialists without a physician referral, consider a Preferred Provider Organization (PPO) plan. There’s a reason why these plans are the most popular among families and individuals. You can visit any in-network doctor without a referral, and if you decide to see a primary care physician who’s out of network, that’s O.K. Your insurance will still pick up some of the tab. Of course, it’s always most beneficial to stay in network, but the ability to choose makes a PPO desirable.