What Does It All Mean? Breaking Down the Blue Cross® Personal Choice PPO Lingo
No matter what plan you have, understanding all of the lingo can help you to effectively use your plan in the most cost friendly way. This remains true with the new, innovative Blue Cross® Personal Choice PPO plan. Members of this plan will need to fully understand what being part of an Organized Systems of Care means, as well as how referrals work, for example.
We’ve broken down key phrases associated with the Blue Cross® Personal Choice PPO plan to ensure you are armed with all the information you need to understand the ins and outs of this new offering:
PPO Network – A group of doctors and hospitals contracted by Blue Cross to create a network of participating providers, which is inclusive of 4,000 primary care doctors and 118 hospitals in Michigan
Organized Systems of Care (OSC) – Communities of caregivers including primary care doctors, specialists and hospitals working together to provide coordinated care to members
Out-of-Pocket Costs – The dollar amount you’ll pay in deductibles, copayments and coinsurance during one plan year
Primary Care Doctors – The doctor you’ll see most often for everything from routine wellness visits and screenings to non-emergency illnesses, as well as for referrals to specialists
Comprehensive Coverage – The same wide range of services, including all essential health benefits and medical coverage you would expect from a Blue Cross PPO plan
Level 1 OSC – Doctors and hospitals considered in-network, offering the highest level of care at the lowest costs for the member
Cost Shares – Each level of OSC that applies to each member of your family, meaning every member of the family must select a doctor in a Level 1 OSC to pay the lowest costs. Level 2 or out-of-network health professionals will accrue different costs, with the highest costs coming from selecting care outside of your network
Referrals – Written (or electronic) orders from primary care doctors that allows patients to see a specialist based on their specific health care need
Blue Cross® Personal Choice PPO Market Region – Counties in Michigan where the majority of OSCs are located, with the most doctors and hospitals
For more information about Blue Cross® Personal Choice PPO, please visit personalchoiceppo.com.
Photo Credit: Sebastien Wiertz