How does the Blue PPO Options Plan work?
Blue PPO Options is a Preferred Provider Organization (PPO) plan that lets your clients see the providers they want to see. Your clients do not have to choose a primary care provider and do not need a referral to see a specialist. Providers are classified as “Preferred” (in-network) or “Nonpreferred” (out-of-network), and their choice of provider will determine the amount of their out-of-pocket costs. Your clients do not pay a deductible if they visit Preferred Providers. Also, for most services from Preferred Providers, they will pay a predictable copayment. For most services from a Nonpreferred Provider, they will have a deductible to meet and will then be responsible for paying coinsurance (a percentage of covered charges). Some services are only covered if they are received from a Preferred Provider. It is their choice to receive most covered health care services from any licensed provider.
