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SecretGarden said:
Perhaps I was too wordy above.

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No, it's just me. I have a hard time understanding this stuff.

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SecretGarden said:
PPO plans generally means no referrals needed for MEDICAL care if you choose someone from your PPO network.

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What is not considered MEDICAL care? Do you mean things like Dental or Vision? (I know my opthamologist makes a big deal about how some of the services he provides to me are MEDICAL and some are VISION.) Do you think mental health visits would not be considered MEDICAL?

ETA: SecretGarden, I see you just edited your post to provide the answer to the question in my second paragraph. Thank you.