The PPO Plan is a traditional health insurance option that offers flexibility in choosing doctors and specialists without needing referrals. It allows you to see in-network providers at lower rates or go out-of-network at a higher cost. On the PPO Plan, you'll pay copays for office visits urgent care clinics and prescription drugs and coinsurance (a percentage of medical costs paid after meeting the deductible).
The PPO Plan includes individual and family deductibles that must be met before coinsurance applies.
When covering family members, everyone's costs, including prescriptions, count towards the family deductible. Everyone pays 100% until the family deductible is met.
Plan participants with employee-only coverage must meet the individual deductible before coinsurance applies.
