To better understand the coverage provided under the PPO, it’s important to know these key terms.
Deductible
The deductible is a specified annual dollar amount you must pay for covered medical services before the plan begins to pay benefits.
- PPO deductibles are based on a percentage of your effective salary, as shown on the PPO Deductibles and Medical Out-of-Pocket Maximums chart.
- If you enroll any family members, you are responsible for two medical deductibles, one for yourself and one for all your family members combined.
- You can reduce your deductible(s) by completing Call to Health, a well-being initiative that focuses on the four dimensions of wholeness: spiritual, health, financial, and vocational.
Copay
A copay is a flat dollar amount that you pay upfront for certain services when using network providers.
- Except for preventive care, you pay a copay for each network office visit (in-person or virtual): $25 for primary and behavioral health care visits, $45 for visits to a specialist or when seeking care at an urgent care center, and $10 when using the telemedicine benefit.
- Copays do not count toward the plan deductible or medical out-of-pocket maximum.
- There is a $25 copay for the vision exam benefit.
- There are separate copay amounts for prescription drugs. Read more details.
Coinsurance
Coinsurance is the percentage of the cost for covered services that you pay after you pay the deductible:
- Your coinsurance for network services is 20 percent.
- Your coinsurance is 40 percent for out-of-network care (50 percent with no deductible for doctor’s office visits).
Medical out-of-pocket maximum
The PPO includes a medical out-of-pocket maximum, which is the most you will pay in the form of coinsurance in a given year. Once you reach the medical out-of-pocket maximum, the plan pays 100 percent of allowable costs for the rest of the year. Office visit copays and deductibles do not count toward the medical out-of-pocket maximum.
- Like your deductible(s), your medical out-of-pocket maximum is based on a percentage of your effective salary, as shown on the PPO Deductibles and Medical Out-of-Pocket Maximums chart.
- Unlike deductibles, only one out-of-pocket maximum applies per family.
- A separate out-of-pocket maximum applies for prescription drugs (see the Key Provisions chart).
Total maximum out-of-pocket
The total maximum out-of-pocket is the most you will pay in a year in the form of deductibles, copays, and coinsurance. If your covered out-of-pocket expenses reach the total maximum out-of-pocket amount, the plan will pay 100 percent of allowable costs for the rest of the year.
- Expenses that count toward the PPO total maximum out-of-pocket include your network deductible(s), medical out-of-pocket maximum, prescription drug out-of-pocket maximum, office visit copays, coinsurance, and prescription drug copays (excluding non-formulary drugs and certain non-essential specialty pharmacy drugs).
- The PPO individual and family total maximum out-of-pocket amounts are shown on the Key Provisions chart.
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(Spanish language documents and forms)