Understanding PPO Plans

This document explains the benefits and features of PPO health plans, including out-of-network coverage, the need for referrals, HSA eligibility, and the requirement of having a primary care physician.

Doctor Visits Review Anthem website for in- network providers. Tier 1 providers are more affordable and result in lower out-of-pocket costs than Tier 2 providers Why a PPO? Out-of-Network Referrals Needed? Coverage? No referrals are needed PPO plans provide coverage to see a specialist! for out-of-network providers and facilities PPO’s What if I don’t have a Primary Is there an HSA? Care Physician? PPO plans do not allow With a PPO plan, you are not individuals to contribute to required to have a PCP! an HSA