What are the key differences between an open access plan and a PPO, and how do these differences impact coverage and costs for healthcare services?

The key differences between an open access plan and a PPO lie in the flexibility of choosing healthcare providers and the need for referrals. In an open access plan, you can see any healthcare provider without a referral, but in a PPO, you may need referrals to see specialists. This impacts coverage and costs as open access plans may have lower out-of-pocket costs but limited provider choices, while PPOs offer more provider options but may have higher costs.