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my PPO plan says I can have any physician I want, and go to any hospital I want. The rub is that PPO docs are 90% covered, "in-network" docs are 80% covered, and "out-of-network" are 50% covered. We have a max out of pocket also. I don't mind paying small chunks for the ability to choose whatever doc I want (the in-network" list if pretty damn big). Plus if it is anything serious, our PPO is aligned with a teaching hospital/med school.
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