POS - Like the HMO plan, members must choose their primary care physician from the PPO's member physicians. This physician will oversee your health care and needs to be consulted first for all medical care. PPO members are not required to stay in network. They can receive care from a non-member physician. Normally this will be at the expense of a larger co-pay, deductible and/or coinsurance. There is a financial incentive to stay in network but still the option of out of network care.