Page 37 - 2023-small-group-brochure

Choose from plan options at various price points in all metallic levels
Preferred: Copay Health Plans
Give employees the predictability of fixed out-of-pocket costs
• No deductible for in-network services
• Platinum and Gold options provide lower out-of-pocket costs
• PPO plans for more flexibility; HMO and DPOS plans for affordability
Classic: Coinsurance/Deductible Health Plans
Give employees more control over their health care choices
• Copays for doctor office visits
• Coinsurance on other services, including inpatient hospital admissions • PPO, HMO, and DPOS plans available
Secure: Copay/Deductible Plans
Balance lower premiums with predictable out-of-pocket costs
• Copays for the most commonly used services
• Site of service differentials on certain services help members save more • PPO and HMO plans available
More choices
For 2023, customers have the flexibility to choose up to four health plan options when one option is an HMO/DPOS plan.
For all health plans, pediatric and adult vision benefits are not subject to a deductible.
2023 Small Group Plans | Independence Blue Cross 36