Which type of health insurance policy typically does not require a copay for visits to a primary care physician?

In health insurance, a Preferred Provider Organization (PPO) typically allows more flexibility and often features a broader network of healthcare providers. While PPOs may have copayments for visits to primary care physicians, they also usually offer the option for covered services to be provided by out-of-network providers, albeit at a higher cost. However, they do not have a standard structure that mandates copayments in the same way that more restrictive plans like HMOs do.

In contrast, Health Maintenance Organizations (HMOs) generally require copays for primary care visits as they maintain a more controlled network of providers and emphasize cost-sharing at the point of service. Exclusive Provider Organizations (EPOs) also tend to function similarly to HMOs but often allow for more out-of-network services in specific instances. Fee-for-service plans, while allowing for greater freedom in choosing providers, typically require the insured to pay for services upfront and seek reimbursement, which might also involve copayments depending on the specific plan.

Therefore, the flexibility of cost structures and provider access within PPOs differentiates them from plans that more commonly impose copayments for primary care visits.