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A 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 can self-refer to to any doctor But for for the highest level of benefits have your PCP submit an an an an an electronic referral referral for for an an an an an in-network specialist You can check the status of a a a a a a a a a a a a a a referral referral referral when you you log log in in in in at at ibx com Some services don’t require a a a a a a a a a a a a a a referral referral including gynecology mammograms behavioral health and emergency care 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 the option to to self-refer to to providers both in- and out-of-network but you you you will pay more in in in in out-of-pocket costs You You get the the highest level of of of benefits by asking your PCP to to refer you you you to to in-network specialists 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