Each option has different monthly premiums and cost sharing, or out-of-pocket costs for copays, deductibles and coinsurance.
You won’t pay anything for eligible preventive care for all health plan options. It’s covered at 100% if you use an in-network provider. The covered and excluded services are the same under each plan; however, medical necessity determinations may vary between BCBST and Cigna.
Here’s a comparison of the different PPOs:
Premier PPO – Highest premiums, but you pay less for copays at the doctor's office and pharmacy than the Standard PPO and less for coinsurance.
Standard PPO – Lower premiums than the Premier PPO, but you pay more for copays at the doctor’s office and pharmacy.
Limited PPO (local education and local government only) – Lower premiums than the other PPOs, but you’ll pay more out-of-pocket for your deductible, copays and coinsurance compared to the other PPOs.