The BCBS PPO is a preferred provider organization (PPO) that combines the advantages of a national network with the option to use physicians and facilities outside the network, but at a higher cost. Show
When you join the BCBS PPO, you are not required to choose a primary care physician. There are two levels of coverage: in-network and out-of-network. The amount of coverage depends on where you receive treatment. You receive the highest level of benefits under your health care plan when you choose preferred providers. These are called your in-network benefits. You can also choose non-preferred providers, but your out-of-pocket costs are higher. These are called your out-of-network benefits. This health plan option includes a tiered network feature called Hospital Choice Cost Sharing. As a member in this plan, you will pay different levels of in-network cost share (such as copayments and/ or coinsurance) for certain services depending on the preferred general hospital you choose to furnish those covered services. For most preferred general hospitals, you will pay the lowest in-network cost sharing level. However, if you receive certain covered services from any of the preferred general hospitals, you pay the highest in-network cost sharing level. The high-cost hospital list may change from time to time. When you participate in the BCBS PPO, you must follow a benefit management process. You need to follow some procedures when dealing with emergency care, whether within or outside the enrollment area. There are procedures to follow when making out-of-network claims and when appealing a denied claim. Annual DeductibleFor most eligible expenses, you pay the full amount until you reach the annual deductible. The deductible that applies depends on the network you choose and your coverage level: DeductibleBCBS National PPO NetworkOut-of-NetworkSingle$500$1,000Family$1,000$2,000Individual Coverage: The Plan begins to pay benefits when the individual deductible is met. The deductible does not apply to: CopaymentsCopayments or “copays” are a flat fee that applies for doctor’s office visits, emergency room visits and prescription drugs. Copays do not count toward the deductible but do count toward the out-of-pocket maximum. Copays apply to the following expenses: ExpenseCopayments BCBS National PPO NetworkBMC ProvidersAll Other Network ProvidersOut-of-Network ProvidersOffice Visit$15$35n/a (deductible and coinsurance apply)Emergency Room$150$150$150Prescription DrugsSee Prescription Drugs sectionNot coveredCoinsuranceFor most eligible expenses, once you meet the annual deductible, you and the plan pay a percentage of the cost of care. The coinsurance percentage you pay depends on the type of service and the provider you choose: ExpenseCoinsurance Percentage You Pay (after deductible)BMC ProviderBlue Cross Blue Shield Low and High Cost Hospital ServicesOut-of-NetworkLow-costHigh-costPreventive carePlan pays 100%, no deductiblePlan pays 100%, no deductible30%Office visitsn/a (copay applies)n/a (copay applies)30%X-rays, labs and related diagnostic tests0%12%20%30%Outpatient care0%12%20%30%Inpatient care0%12%20%30%Annual Out-of-Pocket MaximumThe annual out-of-pocket maximum limits the amount you pay for the deductible, copays and coinsurance each calendar year. In the PPO Plan, separate out-of-pocket maximums apply to medical expenses and prescription drug expenses, as follows: ExpenseOut-of-Pocket MaximumIn-NetworkOut-of-NetworkMedical ExpensesSingle$3,000$6,000Family$6,000$12,000Prescription Drug ExpensesSingle$2,500n/a (not covered)Family$5,000Contributions to the Health Care FSAIf you elect the PPO Plan, BU will contribute an amount to your Health Care FSA that can be used to pay for eligible out-of-pocket expenses, like your deductible. The amount BU contributes is based on your salary and family coverage level, as follows: Plans that give you flexibility to see doctors and specialists outside the networkOur BlueMedicare PPO Plans
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Is your doctor in our network?Search provider directoryLooking for plan documents?Visit forms & documentsY0083_2023AEP_Webpages_ABM_HA_M CMS Approved Last updated 10/01/2022 How do copays work?A copay (or copayment) is a flat fee that you pay on the spot each time you go to your doctor or fill a prescription. For example, if you hurt your back and go see your doctor, or you need a refill of your child's asthma medicine, the amount you pay for that visit or medicine is your copay.
What is a PPO plan?A type of health plan that contracts with medical providers, such as hospitals and doctors, to create a network of participating providers. You pay less if you use providers that belong to the plan's network.
Does Blue Cross Blue Shield PPO Illinois cover acupuncture?Coverage Variation
Blue Precision HMO, BlueCare Direct and Blue FocusCare members – Acupuncture is not a covered benefit.
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