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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-

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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To view our Small Group PPO information, click
> SMALL GROUP PPO <

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