Page 7 - Aspiration Partners Employee Benefits Guide – National

Anthem Blue Cross | PPO Plan
The PPO plan requires that you meet a calendar year deductible before Anthem Blue Cross starts paying for
certain services. Once the deductible has been met, most services will be covered at a coinsurance or a copay, For
certain services, such as office visits and urgent care, Anthem Blue Cross has waived the deductible and cost
sharing begins immediately.

PPO: Access to Care
The PPO plans are Preferred Provider Organization (PPO) plans and use Anthem Blue Cross’ Prudent Buyer
network. PPO plans allow you to direct your own care. You have the freedom to choose your doctor without the
requirement of selecting a PCP and you may self-refer to specialists. You may use a network provider whose
negotiated rates provide richer levels of benefits with claim forms filed by the providers. You may also obtain
services using a non-network provider; however, you will be responsible for the difference between the
covered amount and the actual charges, and you may be responsible for filing claims.

Finding a Medical Provider
Go to www.anthem.com/ca
• PPO: Refer to the Blue Cross PPO (Prudent Buyer) -Large Group

Educational Video
Health Insurance Terms
http://video.burnhambenefits.com/terms