| |
Do You Want Good Coverage & Low Cost? PPO Share 2500 Is For You! |
Each person’s insurance needs are different and Blue Cross of California has put together insurance plans to help balance the need for health care benefits at costs that are reasonable.
With an annual deduction of $2,500 per person, this plan will waive this deduction after two members have reached it, regardless of how many people in your family are enrolled in the plan. For example, if you have four members enrolled in the PPO Share 2500 plan, and two members reach their deductible limit, that limit is waived for the other two members.
The annual out-of-pocket expense of $7,500 per person works much the same way as the deductible for the entire family. Once two members reach their annual maximum out-or-pocket limit, it is waived for the rest of the enrolled family members. Realistically, the family of four can save up to $15,000 on its annual expense once the maximum is hit for only two members.
Many health care professionals work with Blue Cross of California by negotiating costs for services, allowing plan members to realize reduced costs of some services. Typically, the negotiated rates are significantly less than those charged to non-plan members.
The cost of visits to your doctor can add up, but with the PPO Share 2500 plan, your copay is just $35.00. The deductible is waived for doctor’s visits. For lab work, X-rays, surgeon fees and other required professional services, your cost under this plan is just 35 percent of the negotiated cost.
Visits to the emergency room will cost 30 percent of the negotiated fee, along with additional $100 copay, which will be waived if you are admitted by the physician. Typical inpatient or outpatient services, as well as maternity care, amounts to 30 percent of the fee negotiated by the plan.
Preventive health care can save money in the long run, by catching illnesses early with most the member of the PPO Share 2500 plan being charged 30 percent of the negotiated fee for annual physical exams. A person visiting Healthy Check Centers the charge for a basic exam if just $25 and $75 for a premium screening. Deductibles are waived for physicals regardless of there they are performed.
The cost of physician-order testing, such as a routine mammogram, Pap or PSA in 30 percent of the negotiated fee and well-child preventive exams are just 40% of the negotiated fee, with the reductive being waived.
Prescription drugs are cost $10 for generic drugs, and $30 for brand-name prescriptions once the $500 brand-name deductible. The deductible has a maximum of two enrolled members. Regardless whether the physician writes for a dispense as written prescription or do not substitute, the enrolled member is responsible for the generic drug deductible as well as the difference in cost between the brand-name drug and the generic equivalent drug. The cost of the amount paid applies to the brand-name drug deductible.
There may be additional costs associated with physician and prescription costs as well as additional lowered negotiated fees associated with the PPO Share 2500 plan that can increase with your savings.
Learn more at: www.baahealth.com
|
