Blue Choice is a preferred provider organization (PPO) network designed to provide the same comprehensive benefits available under our traditional benefit plans (such as AffordaBlue, Comprehensive Major Medical and Shared Pay Comprehensive) with lower premiums - as much as 4 percent lower than standard coverage.
With Blue Choice members have freedom of choice. Not only can they select their personal doctor; they also may go directly to specialists without a referral from another doctor.
Other advantages of Blue Choice:
With Blue Choice, we can help you assemble a plan that covers most medical expenses, including: routine office visits, eye exams, prescription drugs, doctor services in and out of the hospital, 100 percent accident coverage on allowed charges up to $1000 per person per benefit period, general hospitalization, intensive care, inpatient radiology services, lab services, anesthesia, operating room charges, physical therapy, plus more.
By using Blue Choice network providers and obtaining pre-admission certification before any planned admission, maximum benefits are available.
If services are not received from Blue Choice network providers payment will be reduced and the member will be responsible for any additional out-of-pocket expense. Benefits will be paid according to the maximum Competitive Allowance Program (CAP) allowance, subject to an additional 20 percent coinsurance amount. Members also will be responsible for any deductible, coinsurance or shared payment of the program and any non-covered services. In addition, members also may be responsible for any difference between our allowance and the provider’s charge.
Blue Choice also offers the convenience of toll-free telephone numbers members can call for pre-admission certification. This 24 hours a day, 7 days a week cost-savings feature is needed for all planned inpatient care, including care for nervous and mental or substance abuse services.
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the features of Blue Choice.