Short answer: PPOs do cover out-of-network care, but at a higher deductible and coinsurance, and the provider can balance-bill you for charges above the plan’s allowed amount. In-network care is always cheaper.
A defining feature of a PPO is out-of-network coverage. The plan still pays a share, but you’ll face a higher out-of-network deductible and coinsurance, and the provider may balance-bill you for the difference between their charge and the plan’s allowed amount. Because of that, in-network care is always the less expensive choice. The No Surprises Act limits balance billing in certain emergency and facility situations.