PPO Plans
You have two PPO medical options under the Northrop Grumman Health Plan to choose from: Anthem Blue Cross Preferred and Anthem Blue Cross Premium.
Both plan options:
- Enable you to go to any doctor or hospital, but you will pay less when you go to a doctor in the PPO network
- Provide prescription drug coverage through Express Scripts
- Provide health/substance abuse treatment coverage through ValueOptions
- Provide a preventive care benefit, which means:
- There is no dollar limit for in-network preventive care services, such as routine physicals and mammograms
- Services must be coded as "routine" care by your physician to be covered (deductibles and coinsurance will not apply)
- Services not coded as "routine" will not be eligible for preventive care reimbursement (will be paid as coded and covered; deductibles and coinsurance will apply
- Office visit copayments still apply
Comparing the PPO Medical Plan Options
| | Anthem Preferred PPO | Anthem Premium PPO |
|---|
| |
In-network |
Out-of-network |
In-network |
Out-of-network |
| Benefit plan year deductible |
$500 per individual/$1,000 per family |
$800 per individual/$1,600 per family |
$300 per individual/$600 per family |
$800 per individual/$1,600 per family |
| Office visit copay |
$20 (specialist visit: $40) |
40% coinsurance |
$15 (specialist visit: $30) |
40% coinsurance |
| Coinsurance |
10% |
40% |
10% |
40% |
| Benefit plan year out-of-pocket maximum |
$3,000 per individual / $6,000 per family |
$5,000 per individual / $10,000 per family |
$2,000 per individual / $4,000 per family |
$5,000 per individual / $10,000 per family |