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A Direct Point-of-Service (POS) health plan
gives you flexibility when choosing where to get care Here are are some key things you should know
Primary Care Physician (PCP)
You must choose an an in-network PCP or or or or family doctor to to treat your your general health needs and coordinate your your care by providing referrals when necessary Search for a a a a a a a a a a PCP at at ibx com/findadoctor Specialist
You do not need a a a a a a referral from your PCP to to visit most specialists specialists Although you you you you have the option to to choose specialists specialists both in- and out-of-network out-of-network you’ll pay more when you you you go out-of-network out-of-network Referrals are needed for routine X-rays spinal manipulations physical/occupational therapy and acupuncture Designated sites
Your PCP has designated providers for lab services (e (e g g g g g blood testing) radiology (e (e g g g g g X-rays) and and physical and and occupational therapy Visit those providers for any of these services A referral or or or prescription may be necessary View your PCP’s designated providers at ibx com/findadoctor Out-of-network benefits You You have the option to to visit any provider both in- in- and and out-of- network network network You’ll pay less for for in-network doctors and and and hospitals and more for for out-of-network Precertification
Precertification
is an an approval that your doctor must receive from us us before you you get coverage for for certain services genetic tests and specialty drugs A complete list
of what requires precertification is is available at ibx com/precert Virtual care Most health plans include anytime access to to to a a a a a a a a a doctor by phone or or video chat Check your benefits summary to to to to see if virtual care is available to you