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Planscape PPO Share Plans
- PPO SHARE PLANS!
- 30% Copay Doctor Visits
- $10 Prescription Drug Benefit
- Low Monthly Premium
- $500, $1000, $1500, $2500, $5000 Deductible Plans
(This means that you pay 30% of Doctor Visits, Professional Services and Hospital up to the Deductible you choose then Anthem Blue Cross pays 100% from then on up to $5,000,000 per member.)- Hospital Only plans are also available
- Anthem Blue Cross HealthyCheck
- A PPO (or Preferred Provider Organization) is a health plan with a list of authorized doctors and hospitals. PPO's pay well if a patient is treated by a doctor or hospital on the authorized list. One usually has many potential choices of doctor and hospital with these plans.
- PPO doctors and hospitals have an incentive to "over treat" patients because the more medical procedures they perform, the more money they make.
- A PPO with a high deductible will usually cost less than an HMO. Also, if you are looking for major, catastrophic coverage at a low cost, a PPO is usually your best bet.
Individual HMO Plans
- $10 Doctor Visits
- $10 Prescription Drug Benefit
- 100% Coverage for X-rays and Lab Tests
- 100% Hospitalization Coverage
- No Deductibles
- Customize your Family Coverage through FamilyElect:
- Mix & Match...you may choose a different plan for each family member.
- An HMO (or Health Maintenance Organization) is a health plan that requires a patient visit a specific medical facility. One's choice of medical provider (doctor and hospital) is severely curtailed.
- HMO doctors and hospitals have an incentive to " under treat" patients because they are paid whether or not a patient is ill.
- An HMO will frequently cost more than a PPO, but with an HMO you can often see a doctor for "free" or for a small charge. Especially good for families.