These plans combine the benefits of an HMO with access to out-of-network providers. Seeing an out-of-network provider usually means you will pay the entire cost. HMOs have a smaller network of providers than PPO or Traditional Indemnity plans. Very limited coverage out of the HMO's service area. With BlueChoice HMO, visits to a specialist usually require a referral from your PCP. Your PCP and providers handle the paperwork.Ĭopayments are usually known in advance (deductibles and/or coinsurance may apply in some plans). Requires use of in-network providers and selection of PCP. If you go outside the BlueChoice network, your medical services will not be covered (except for emergency services). When you see one of our more than 50,000 participating providers, you'll save the most money. Our HMO plans use the BlueChoice network which is located in Washington, D.C., Maryland and Northern Virginia. For a detailed definition of cost-sharing, please refer to our Important Terms section. Cost-sharing is made up of three parts: deductibles, copayments and coinsurance. They are not recommended if you live outside this area.Ĭost-sharing refers to the part of your healthcare costs that your plan doesn’t pay. Regional plans are a good option if you and your family live or work in Washington, D.C., Maryland or Northern Virginia.
#POS VS PPO PLUS#
National plans are the best option if you or your family live or work outside Washington, D.C., Maryland or Northern Virginia.Ĭongressional Regional plans have Plus or HMO in the plan name. Plan names are found at the top of each benefit summary.Ĭongressional National plans have PPO or Advantage in the plan name. Review the information below to learn more about each plan type. Plan types refer to how plans provide coverage and from which network of providers you receive care. To better understand our plans, it helps to understand how the different plan types work and your related healthcare costs.ĬareFirst offers a variety of plan types (HMO, POS, PPO).
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