What type of services must a PPO client pay more for when seeking them outside of the network?

The correct answer focuses on non-emergent eligible services for PPO clients seeking care outside of their network. In a PPO (Preferred Provider Organization) plan, policyholders have the flexibility to seek medical services from both in-network and out-of-network providers. However, when they opt for out-of-network services, they typically face higher costs, particularly for non-emergent services, which are not urgent or necessary for immediate care.

Emergency services are generally covered at a higher level regardless of whether they are provided in or out of network, as most insurance plans, including PPOs, prioritize immediate and critical care without penalty. Preventative services are also typically covered with no additional costs to encourage individuals to seek care that can prevent more serious health issues. Therefore, these categories do not exhibit the same increased cost burden when compared to non-emergent services provided outside the network.

In summary, non-emergent eligible services represent the type of care that is more costly when obtained from out-of-network providers, making them the focus of higher out-of-pocket expenses for PPO clients.