what are disadvantages of ppo plans 
ppo plans tend to be more expensive than other managed care options they typically have higher monthly premiums and out of pocket costs like deductibles you often have both coinsurance and copays this is the tradeoff for the flexibility ppos provide of letting you use providers both within and outside the ppo system without needing referrals the costs for coinsurance and deductibles can be different for in network and out of network providers and services some may find it onerous to have more responsibility for managing and coordinating their own care without a primary care doctor 