Preferred provider organizations (PPOs) are based on membership to a specific health care provisions arrangement. As part of the PPO, the provider participates in this arrangement providing patients with services guided by discounted fee-for-service. This type of service is at a discount from their normal physician fee schedules. Other features of this plan include either a lower premium and higher deductible or visa versa. Copayments are also included in this plan and there could be an annual out-of-pocket deductible. Patients also have the choice of their providers although out-of-network providers will cost more on the patient’s part than provider’s in-network. One thing to remember though is that all non-emergency services require pre-authorization (Valerius, J., Bayes, N., Newby, C., & Seggern, J. (2008). According to WiseGEEK.com, “Most PPOs have a preferred provider list, much like the HMO provider list. Usually, seeing someone on the list means less expense. In fact, the PPO basically has an HMO component and network built into it” (para.6).…