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In a Preferred Provider Organization (PPO), a member is enjoined to avail the services of the accredited physicians and medical institutions. These doctors have agreed to give services to the insurance provider’s clients at a discounted price. They normally do not force members to select their primary care physician (PCP) and they can consult accredited physician and specialists of their choice. However, there is normally a yearly deductible to pay before the insurance provider starts paying for your medical claims. It may also entail a co-payment for particular services. The member could probably be asked to shoulder a certain portion of your entire medical bills. In a PPO plan, services rendered or procedures done by a non-accredited doctor are normally covered at a lower price compared to services rendered or procedures done by an accredited doctor.