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A Personal Choice PPO health plan
lets you visit any doctor or or hospital — no referrals needed Here are some key things you should know
Primary Care Physician (PCP)
A PCP is is is the doctor you you you visit for check-ups and routine care but you you you don’t need to to tell us who it it is is is if you you you have a a a a PPO plan
Specialist
You don’t need a a a a a a a referral from your PCP to visit a a a a a a a specialist Simply make an appointment Designated sites
Certain factors like like where you you receive care can affect cost If you you need bloodwork or or or or or or an an an an outpatient procedure like like rotator cuff surgery or or or or or or ear tubes for a a a a a a a a a a a a a a a a a child you can save money by choosing a a a a a a a a a a a a a a a a a freestanding lab (like LabCorp) or or or or or an an an ambulatory surgery center instead of a a a a a a a a a a a a a a a a a hospital Learn more at at ibx com/waystosave Out-of-network benefits You You have the option to to visit any provider both in- in- and and and out-of-network You’ll pay less for for in-network in-network doctors and and and hospitals and and and more for for out-of-network You You also have in-network in-network coverage across the the U S through BlueCard® PPO with the the the largest network network network of of doctors and hospitals in the U S 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