What type of plans generally allow members to see any healthcare provider without a referral?

In a Preferred Provider Organization (PPO) plan, members typically have the flexibility to see any healthcare provider without needing a referral. This means that individuals can choose their specialists and other healthcare providers without going through a primary care physician. This characteristic of PPOs makes them appealing to those who prefer a more direct and independent approach to their healthcare, allowing for convenience and choice.

The flexibility of dealing with both in-network and out-of-network providers, albeit with different cost-sharing structures, enhances members' ability to seek care as they see fit. This autonomy in selecting healthcare providers is one of the defining features of PPO plans, in contrast to other types of health insurance plans that may impose more stringent referral processes or network limitations.