When it comes to providers, a PPO gives you more options than an HMO: While you still have the option to work with in-network physicians (preferred providers), a PPO also gives you an advantage to visit out-of-network providers and hospitals. ... If you can afford it, the cost is worth it; PPO plans are the most popular.Click this text to start editing. This blog block is a great way to share informational entries with your visitors. You can click the green +/- button to add new entries.