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Insurance

PPO

A health plan allowing out-of-network care at higher cost — more flexible than an HMO but still rarely covers international elective care.

PPO (Preferred Provider Organization) plans offer more flexibility than HMOs, including partial out-of-network coverage and no primary-care gatekeeper. For medical travel, PPO plans are slightly more likely to cover complications from a pre-planned international procedure, but elective care abroad is typically excluded.

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