Your Preferred Provider Organization (PPO) plan allows you to visit any in-network physician or health care provider without needing a referral from a primary care physician.
As a member of a PPO plan, you’re encouraged to use your network of preferred doctors and facilities. No matter which health care provider you choose, in-network health care services will be covered at a higher benefit level than out-of-network services.
How does this work?
It’s important to check if your provider accepts your health plan so you receive the highest level of benefit coverage. If you’re unsure of your PPO network choices, the information can be found on your group health benefit ID card. Once you know the name of your PPO network options, visit “Find A Provider” to reach your network’s website.
As always, you’re free to see a provider who is not in-network, but your benefits will be reduced. There is a phone number on your ID card you can call to find a preferred provider if you are out of town or there’s an emergency.
How can you tell if you have the HealthChoices benefit? You will have two ID cards and one will say "HealthChoices."