You may not always be required to pay when you visit a doctor or medical facility within the PPO network. However, it is always up to the doctors' or facilities' discretion on how they will bill you and how they will label your conditions.
For some information on in-network and out-of-network plans: In-Network Vs. Out-of-Network Insurance Benefits
Insurance rates are regulated by law. You can't find the same insurance plan for a lower price anywhere else