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Choice Copay

Our HMO Choice Copay plan is a high-quality managed care plan that is simple to use. There are no claim forms to fill out—most services are covered with just a copayment. Choice Copay works like a traditional HMO plan, but members pay different copayments for services depending on where they receive care. 

The HMO Choice Copay plan features:

  • Emergency and urgent care coverage anywhere in the world, 24 hours a day, seven days a week.
  • Comprehensive disease management and wellness programs at no extra charge.
  • Discounts on fitness club memberships, acupuncture, massage, and more.

How the Plan Works

HMO Choice Copay members must choose a primary care provider (PCP), who must provide or
authorize all care. Simply present your ID card and pay a copayment when you visit the PCP. When you need specialty care, the PCP will refer you to a specialist within our network. You will need a referral in order to receive coverage for the specialist’s services.

Members pay a lower copayment for PCP office visits and a higher copayment for specialist
office visits.

For inpatient hospital care, HMO Choice Copay members pay a lower copayment when admitted to a community hospital and a higher copayment when admitted to generally more expensive tertiary hospitals.

Pharmacy Coverage

With the optional pharmacy benefit, members will pay a copayment for each prescription, according to our three-tier pharmacy copayment program:

  • Tier 1: Lowest copayment; includes most generic drugs
  • Tier 2: Middle copayment; includes many brand-name drugs
  • Tier 3: Highest copayment; includes the most costly covered brand-name drugs not included in other tiers.
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