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Preferred Provider Organization (PPO) Overview

At CDPHP, we know flexibility is key when it comes to selecting a plan that fits the needs of you and your family. So, with our PPO plan, you have a few options. See a doctor within the national network and pay lower copayments or coinsurance. Or, go outside the network and pay a higher coinsurance after meeting the deductible.

The PPO plan features:

  • No primary care physician or referrals required

  • No charge for well-child care and many other routine preventive health care services, including annual physicals and screenings provided in-network

  • Worldwide coverage for emergency care

How it Works

A PPO plan from CDPHP Universal Benefits, Inc. (CDPHP) gives you the freedom to visit CDPHP doctors without a referral and see non-participating doctors if you choose. It all depends on your needs, your wants, and your budget – you make the call.

If you have a PPO you do not need to select a PCP. However, we still recommend that you establish yourself with a doctor who will deliver your routine services and coordinate your care with specialists. Please use Find-A-Doc to view the range of doctors available within the CDPHP network.

This summary offers highlights but does not detail all benefits, limitations, or exclusions. It is not a contract and may be subject to change. For more detailed information, a Membership Certificate is available upon request.