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| Employment: Benefits |
Blue Shield
www.mylifepath.com - online provider directory
Employees can select between two Blue Shield Plans - HMO & PPO:
| HMO: |
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Must select a Primary Care Physician (PCP), but can change your PCP at any time (provided you notify Blue Shield by the 15th of the month, effective the 1st of the following month) |
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Referral required to see specialist (but, you may self-refer to specialist within your PCP’s medical group, higher co- pay) |
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No deductibles |
| PPO: |
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Any provider in network, no assigned PCP, no referral process to see specialist |
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Out-of-network coverage at higher out-of-pocket cost |
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Deductible required for some services.
Prescription Drug coverage – same for both HMO & PPO |
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Extensive drug formulary |
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Tiered co-pays ($10/$25/$40) |
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Mail order service available for maintenance prescriptions.
Please review coverage outlines in your Blue Shield enrollment packet |
Blue Shield Plan Details
Dental Options
DentalGuard Preferred PPO combines the freedom of a traditional dental plan with the economy of managed care. With the PPO plan, you and your family can visit any dentist or specialist you choose or a high-quality DentalGuard Preferred network dentist, any time you need care. If you do visit a network provider, you'll receive the highest level of benefits and save on out-of-pocket costs. Best of all, our DentalGuard Preferred PPO features one of the industry's most extensive nationwide dental networks with over 67,000 provider locations. After any applicable deductible, our indemnity and PPO plans pay a generous percentage of dental expense up to an annual maximum. Guardian also offers dental health maintenance organization (DHMO) and pre-paid plans in certain geographical regions.
Disability Protection
Disability income insurance is a valuable benefit your employer may provide as group coverage. It provides payments (on a short-term or long-term basis or both) to employees when they cannot work because of illness or injury. If you were injured or got sick and were unable to work, you'd still need some form of income. Through Guardian, your employer may provide disability income insurance to ensure that if you become disabled, you'll have a source of income.
Life Insurance
Group life insurance is a common workplace benefit. It can help protect you and your beneficiaries with coverage that could be quite expensive if you had to buy it as an individual.
Vision Care
VisionGuard is Guardian's vision care PPO plan program, which provides substantial coverage for eye exams and materials. With VisionGuard, you and your family members can visit any eye doctor they wish or a Vision Service Plan (VSP) network doctor. Our affiliation with VSP gives employees access to the industry's largest provider network - over 22,000 doctor locations are available nationwide.
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