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Offered Health Care Savings With PPO Share 5000 |
As health care costs continue to rise, many families are comparing the value of their health insurance plans to the benefits it provides. Blue Cross of California offers different comprehensive PPO plans to meet the different needs of different families.
Looking at the PPO Share 5000 plan, customers will have a deductible for $5,000 per person, however when the deductible is reached for two enrolled members, the deductible for the entire family is satisfied, regardless of the number of the enrolled family members. For a family of four, this can realize a deductible savings of up to $10,000 as many plans offered by other companies will require the deductible be met by all members of the family.
Total out-of-pocket expenses are another concern often analyzed by potential health insurance members, and the PPO Plan 5000 limits this expense to $7,500 per member. However, once two enrolled family members reach the maximum out-of-pocket expense, the maximum is satisfied for the entire family. For example, a family of four reaches the total maximum expense for two members, the other two members’ out-of-pocket expense is satisfied for a potential savings of up to $15,000.
Blue Cross of California negotiates prices with many health car providers, which often provides a reduction is most services. Most negotiated fees offer a significant reduction of typical fees. The PPO Share 5000 plan offers a copay for doctor visits of 40 percent of the negotiated fees, which could be a big savings over the normal costs.
For professional services, such as E-ray, anesthesia and lab work, enrolled members will be responsible for only 30 percent of the negotiated fees for these services. Inpatient and outpatient services will also be charged for 30 percent of the negotiated fee.
Trips to the emergency room will include a $100 copay, in addition to the 30 percent of the cost of the negotiated fee. However, the $100 service will be waived if the patient is admitted to the hospital. The costs of maternity care will be 30 percent of the fees negotiated by Blue Cross of California.
Annual physicals are charged at 30 percent of the negotiated fee by your doctor, and visits to the Health Check Center include a copay cost of $25 for basic physicals and $75 for premium services. Well child services include a 40 percent cost of negotiated fees, with the deductible waived. Routine tests ordered by a physician, for example mammogram and Pap tests, will cost 30 percent of negotiated fees.
The cost of prescription medications is constantly rises, and savings can be realized with the use of generic drugs. There is a $10 copay for generic Blue-Cross formulated drugs and $30 copay for brand-name drugs, once the $750 deductible of brand-name prescription drugs is satisfied. The deduction is satisfied once two enrolled members reach the deductible. There is also a charge of 30 percent of the negotiated fee for self-administered in injectable drugs, with the exception of insulin.
The cost of brand-name prescriptions, in addition to the deductible and the $35 copay, will also cost the difference between the cost of the generic drug and the brand-name drug, even if the prescription calls for the prescription to be filled as written or stated as not to substituted.
Learn more at: www.baahealth.com
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