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	Insurance--Health Insurance   Preferred provider organizations Annuities Auto Insurance Small business insurance Long term care insurance Health Insurance -Know your COBRA rights -Health plans for college students -IPAA: Your rights to health insurance portability -HMO: Health maintenance organization -POS: Point of service plans -PPO:Preferred provider organizations Home Insurance Life Insurance Travel insurance PPOs provide policyholders with reasonable co-payments in exchange for using the group's network of practitioners. The average co-payment is $15 for routine office visits. You are allowed to see any specialist without a referral, as long as the specialist is part of the network. If you choose to see an out-of-network doctor, you may have a higher co-pay or have to submit the insurance paperwork yourself. You may have to pay a deductible if you go out of the network.