I will say that it’s very difficult to account for a PPO’s co-pay. For example, I had a baby last year and easily hit my deductible. That means my on-going PT appointments only cost me $7 each instead of $70! On a PPO they would have been $40 specialist visits. In a year that I didn’t have a baby and hit my deductible, those same appointment would have cost the full $70 and perhaps the PPO would have been more advantageous depending on the number of visits.