Lifestyle and Health
John and Trish aren't getting any younger. Recently they've discovered the power of adding a walking program to their daily lives. In addition to helping John maintain his weight, WalkingWorks also helps them stay active and healthy. And, even though they spent time researching the plan options John's employer provided, they chose to keep their trusted BlueCross BlueShield of Tennessee traditional Coinsurance PPO plan with office visit copay.
Product Details
Coinsurance PPO Plan with Office Visit Copay
- $2,000 family deductible
- $4,000 family out-of-pocket max
- $20 Office Visit Copay
- $10/$35/$50 Prescription Drug Plan
- Most services covered at 80%/20% coinsurance after deductible
- Added optional DentalBlue coverage
Coverage
Coinsurance PPO Plan with Office Visit Copay covers:
- Physician office visits- 100% after $20 copay
- Preventive office visits- 100% after $20 copay
- Inpatient/Outpatient services-80% after deductible
- ER/Ambulance- 80% after deductible
- Home Health & Outpatient Therapies- 80% after deductible (limited visits)
- Behavioral Health- 80% after deductible (limited visits)
- Prescription Drugs - $10 for generic drugs, $35 for preferred brands, $50 for non-preferred brands.
- BluePerks discounts of up to 30% on certain non-covered services.
Online Tools & Support
Trish used the online Health Plan Comparison Tool to view secure, side-by-side comparisons of John's company-sponsored health plan options. She entered their anticipated annual health care expenses and then compared what each plan pays versus employer and employee contributions of premiums, deductible, coinsurance and other out of pocket expenses. She found this to be the perfect tool for analyzing a High Deductible Health Plan (with HSA) versus a traditional copay/coinsurance PPO plan.
They compare drug costs by brand name and classification using the Drug Calculator. This tool provides suggestions for less expensive, lower tier and generic drug options for each drug when applicable.
And, John and Trish learned how simple daily exercise, such as walking, has the power to drastically improve their health through WalkingWorks. Learn how to implement your own program, set goals and then record your progress online. There are even pedometers available to help you track your steps.
