Page 8 - 2013 Allied Printing Benefit & Notices

Allied Printing Co., Inc. 2013

Medical Coverage

Allied Printing offers both an HSA PPO and a non-HSA HMO medical plan to its eligible employees.

PPO Option

DRAFT
 The PPO plan is offered through Blue Cross Blue
Shield of Michigan (BCBSM). “PPO” stands for
Preferred Provider Organization.

 Approximately 95% of the US population is within
reach of a BCBS PPO provider.

 You do not need to choose a Primary Care
Physician (PCP) with a PPO – you may see any
provider you want to see, even a specialist.

 You receive the most benefits when you receive care from participating BCBS PPO providers.
You may see a non-BCBS PPO provider, but your benefits will be reduced and you’ll pay more
out of pocket.

 For a list of BCBSM PPO providers visit www.bcbsm.com or call 800.637.2227

 For a list of BCBS PPO providers outside of the MI visit www.bcbs.com & click Find a Doctor or
Hospital

HMO Option

 The HMO plan is offered through Blue Care Network of Michigan (BCN). “HMO” stands for
Health Maintenance Organization.

 You must choose a participating Primary Care Physician (PCP) for each covered person with an
HMO. Care required from a specialist must be referred by the PCP in order to be covered by the
HMO plan, even if the specialist is a participating provider.

Additional Plan Information

Both medical plans do not have a pre-existing condition limitation.

Both plans have a deductible, which is the amount you must pay before the plan begins paying for most
routine or emergency medical care.

The PPO medical plan has an HSA-compatible deductible, which means the full deductible must be paid
before the plan pays for ANY routine or emergency medical care.

The HMO medical plan has non-HSA deductible, which means some routine and emergency services
will be covered without paying the full deductible.

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