What are the key differences between the traditional state plan (comprehensive major medical or CMM) and the NC SmartChoiceSM Blue OptionsSM plan (PPO)?
• With NC SmartChoice, State members will save on their medical costs by avoiding deductibles and coinsurance for physician office visits. • NC SmartChoice provides choice. State members will have three plan options, with varying levels of coverage to choose from. • NC SmartChoice offers reduced premiums for dependent coverage. • On the CMM plan, members must choose where to use the $150 wellness benefit. As a result, members have to choose what to cover under their wellness benefit. Under NC SmartChoice, such choices are not necessary and costs are usually less because the member is only paying the copayment. • Under NC SmartChoice, members pay only a copayment for both an annual physical and mammogram. Q: If I get a question from a State Health Plan benefits representative, what do I do? A: Refer that caller to the State Health Plan hotline: 1-800-422-4658 Q: What is prior authorization? A: Prior authorization is the process by which certain medical services or medications are review
Related Questions
- If services have already been authorized for State employees currently in the CMM plan but enrolling in an NC SmartChoice plan option, will BCBSNC carry over the authorization?
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- What are the key differences between the traditional state plan (comprehensive major medical or CMM) and the NC SmartChoiceSM Blue OptionsSM plan (PPO)?
