PPO
Beyond the Network
A preferred provider organization (PPO) plan from CDPHP Universal Benefits, Inc. (CDPHP UBI) gives you the freedom to visit CDPHP UBI providers without a referral and see non-participating providers if you choose.
The Freedom to Choose
- See a doctor within the network and pay lower copayments or coinsurance. Go outside the network and 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.
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.
Note: The PPO Plan is underwritten by CDPHP Universal Benefits, Inc. (CDPHP UBI). You must comply with CDPHP UBI’s managed benefits program as set forth in the contract to receive the maximum benefits for all services. Failure to do so will result in you being responsible for an additional payment of 50% of the allowed amount up to a maximum of $500 for each service otherwise payable, in addition to the applicable copayment, deductible, and/or coinsurance.