PPO
Beyond the Network
A preferred provider organization (PPO) gives employees the freedom to visit CDPHP Universal Benefits, Inc. (CDPHP UBI) providers without a referral and see non-participating providers if they choose.
The Freedom to Choose
- Employees can see a doctor inside the network and pay lower copayments or coinsurance. If they go outside the network, they pay a higher coinsurance after meeting the deductible.
- No primary care physician or referrals required.
- No charge for well-child care and many other routine preventive health care services, including annual physicals, Pap smears, mammograms, and prostate cancer screening provided in-network.
- Worldwide coverage for emergency care.
Groups may also add riders to cover other benefits such as drug coverage and extended student coverage.
The PPO is underwritten by CDPHP UBI. This summary offers highlights but does not detail all benefits, limitations, or exclusions. It is not a contract and may be subject to change. For more detailed information, a Membership Certificate is available upon request.
