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PPO (Preferred Provider Organization)
What should I Know?
A PPO
is somewhat similar to an indemnity
plan in that you still have the freedom to go to the
doctor of your choice. Costs, however, are lower if you stay within
the network of providers.
If you stay within the network, you will pay a copayment, or a
fixed amount for services (like $10 for an office visit or prescription).
This copayment is based on lower charges for PPO members.
If you go outside the network, you will pay a copayment based
on higher charges and you will need to meet the deductible. You
may also have to pay the difference between the actual fee and the
amount covered by your plan.
Providers:
BLUE SHIELD (CA)
Deductible Plans
Blue Shield offers four affordable Deductible Plan options - $500,
$750, $1,500 and $2,000 - fixed copays and percentage copayments
vary based on the plan.
Features-
- For people who visit the doctor less frequently
- Members pay 25 or 30 percent for many covered services within
the network after meeting the deductible
- Preventive care benefits for a fixed copay before meeting the
deductible
- Prescription generic drug benefits at participating pharmacies
before meeting the deductible
Rates-
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Deductible Plan Options:
|
$500 Deductible Plan |
$750 Deductible Plan |
$1,500 Deductible Plan |
$2,000 Deductible Plan |
| Percentage Copayments - Services w/ Preferred
Providers
- Services w/ Non-Preferred Providers |
25%
50%
|
30%
50%
|
30%
50%
|
30%
50%
|
| Physician Services (i.e. office visits) |
$30 Copay w/ Choice Provider |
$35 Copay w/ Choice Provider |
$40 Copay w/ Choice Provider |
$45 Copay w/ Choice Provider |
| Prescription Drugs (at participating pharmacies)
- Generic formulary drugs
- Brand-name formulary drugs |
$7/prescription
$25/prescription
|
$10/prescription
$30/prescription
|
$7/prescription
$25 + 10% / prescription |
$10/prescription
$30 + 10% / prescription |
| Monthly Rates |
Individual - $166
Two-Party - $323
Family - $532 |
Individual - $107
Two-Party - $210
Family- $346 |
Individual - $98
Two-Party - $189
Family- $311 |
Individual - $68
Two-Party - $133
Family - $219 |
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