Which type of plan allows enrollees to see any doctor without a referral?

A Preferred Provider Organization (PPO) plan is characterized by its flexibility in allowing enrollees to see any doctor or specialist without the need for a referral. This means that individuals can access a wide network of healthcare providers and are not restricted to a primary care physician for specialist visits. The ability to obtain services directly from specialists without going through a referral process is a key feature that distinguishes PPOs from other types of plans, such as Health Maintenance Organizations (HMOs), which typically require referrals to see specialists.

PPOs also tend to offer a broader network of healthcare providers, allowing enrollees to choose both in-network and out-of-network providers, although staying in-network usually results in lower out-of-pocket costs. This structure provides enrollees with the convenience of managing their healthcare needs more independently and makes it easier for them to seek immediate care when necessary. The flexibility and ease of access to various healthcare services are essential advantages of this type of plan, making it appealing to many consumers.