This is a PPO plan. PPO plans allow you to receive coverage from any doctor, in or out of network, and do not require a referral to see a specialist. In-network doctors will have lower copays. It has a deductible of $5,000 and an out-of-pocket maximum of $7,000. It is recommended for companies that have: diverse medical needs, prescription drugs, employees with families, chronic conditions, or employees in many states.