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PPO Share 1500 May Be More Expensive Monthly, But Saves Over The Long Run |
Deductibles and annual out-of pocket expenses can be a major consideration when choosing a health care plan for your family and Blue Cross of California offers several plans, which can fit your health care budget. The PPO Share Plan 1500 offers an annual deductible of $1,500 per person, however once the deductible for two enrolled members of the family has been met, the deductible for the remaining family member is considered to be satisfied, regardless of the number of enrolled family members.
With out of pocket expenses, dependant largely on fees negotiated by Blue Cross of California, set at $6,000 per member, that requirement is also considered as being met for the entire family once two enrolled members have reached the maximum.
Using in-network health care providers can offer additional savings as they have been more willing to negotiate the cost of health care services. With most charges to enrolled family members figured on a percentage basis, lowered negotiated fees can offer a realized savings to plan participants.
Doctor’s visits have a deductible of 30 percent of the fee negotiated by Blue Cross of California and any physician-ordered professional services will also cost enrolled members 30 percent of the negotiated fees. The fess for X-ray, blood work as well as anesthesia and surgeons, charges have been negotiated with in-network providers to offer a reduced charge for plan members.
If plan participants visit the emergency there is a charge of 30 percent of the negotiated fee as well as a $100 deductible. This deductible, however is waived is the enrolled member is admitted by the attending physician. Hospital inpatient and outpatient services are also charged at 30 percent of the negotiated fee. The cost of basic maternity care also is charged at 30 percent of any negotiated fees.
A charge of 30 percent of negotiated fees for annual physicals is also charged for each enrolled member, unless they visit a Healthy Check Center. The cost of a basic physical screening is $25 and it will cost $75 for premium screening.
Routine tests order by a physician, such as mammogram, PSA or Pap is charged at 30 percent of the negotiated fee.
Prescription drug costs can also be lowered through the use of generic drugs. There is a $10 copay for each prescription for an enrolled member. The deductible for name brand drugs is $30, once the deductible for name brand prescriptions of $250 has been met. The family deductible will be considered satisfied once two enrolled members reach the maximum deductible.
In addition to the $30 copay for name brand drugs, plan members will also be responsible for the difference between the cost of the generic drug and the name brand name drug, even if the prescribing physician stipulates that the prescription be filled as written or states name brand only. There is a cost of 30 percent of the negotiated fee for any self-administrated injectable drugs, with the exception of insulin. The PPO Share 1500 plan is just one of the health care plans by Blue Cross of California designed to save personal expenses, while offering quality benefits.
Learn more at: www.baahealth.com
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