The entire point of joining a PPO vs. an HMO is so that you can get coverage for out-of-network providers!
not true. you just don’t need a pcp to refer you. networks are the pricing mechanism for the insurance companies.
Hold Harmless
An agreement with a provider not to bill the subscriber for any difference between billed charges for covered services (excluding coinsurance) and the amount the provider has contractually agreed with a BCBS Plan as full payment for those services.