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How Personal Choice PPO plans work
A Personal Choice PPO health plan lets you visit any doctor or hospital — no referrals needed. Here are some other key things you should know.
Primary Care Physician (PCP)
A PCP is the doctor you visit for check-ups and routine care, but you don’t need to tell us who it is if you have a PPO plan.
Specialist
You do not need a referral from your PCP to visit a specialist. Simply make an appointment.
Out-of-network benefits
You have the option to visit any provider, both in- and out-of-network. You’ll pay less for in-network doctors and hospitals and more for out-of-network. You also have in-network coverage across the U.S. through BlueCard® PPO, with the largest network of doctors and hospitals in the U.S.
Precertification
Precertification is an approval that your doctor must receive from us before you get coverage for certain services, genetic tests, and specialty drugs. A complete list of what requires precertification is available at ibx.com/precert.
Telemedicine
With telemedicine from MDLIVE, you have 24/7 access to a licensed primary care doctor for non-emergency medical conditions.
