Navigator PPO Plans

With a three-tier benefit structure, employees get the flexibility to choose care that best fits their health and financial needs.

Plans at a glance

PPO

PPO Prime

Large provider network with low copays and zero coinsurance for most physicians and ancillary care.

View PPO Prime Plans

PPO

PPO Choice

Lowest annual deductible options with low coinsurance for most physicians and ancillary care.

View PPO Choice Plans

PPO

PPO Advantage HDHP

Affordable annual deductibles with zero coinsurance benefits after deductibles are met.

View PPO Advantage HDHP Plans

PPO

PPO Value

Low annual deductibles with coinsurance benefits after deductibles are met.

View PPO Value Plans

Compare PPO Plans

Costs and benefits vary by plan type. All Navigator PPO Plans include access to Care Advocates.

In-Network	PPO Prime	PPO Choice	PPO Advantage HDHP	PPO Value
Deductible (Single / Family)	$3,500 / $7,000 $4,000 / $8,000 $4,500 / $9,000 $6,000 / $12,000	$1,000 / $2,000 $1,500 / $3,000 $2,000 / $4,000 $2,500 / $5,000	$4,000 / $8,000 $4,500 / $9,000 $6,000 / $12,000 $6,500 / $13,000	$2,500 / $5,000 $3,500 / $7,000 $6,850 / $13,700
Out-of-Pocket Limit (Single / Family)	$8,700 / $17,400	$8,700 / $17,400	$7,050 / $14,100	$8,700 / $17,400
Primary Care Office Visit	$5 Copay (Per Visit)	$5 Copay (Per Visit)	20% Coinsurance ^**	$5 Copay (Per Visit)
Specialist Office Visit	$50 Copay (Per Visit)	$50 Copay (Per Visit)	20% Coinsurance ^**	$50 Copay (Per Visit)
Physician Services (Performed in a Facility)	0% Coinsurance ^{** §}	20% Coinsurance ^{** §}	20% Coinsurance ^{** §}	50% Coinsurance ^{** §}
Non-Preventive Prescription Services (Prescription Drugs, Pharmacy Retail – up to a 30-Day Supply)	Generic - $10 Copay Preferred Brand - $20 Copay	Generic - $10 Copay Preferred Brand - $20 Copay	Generic / Preferred Brand - 20% Coinsurance ^**	Generic - $10 Copay Preferred Brand - $20 Copay
Specialty Drugs	50% Coinsurance	50% Coinsurance	20% Coinsurance ^**	50% Coinsurance
	View PPO Prime Plans	View PPO Choice Plans	View PPO Advantage HDHP Plans	View PPO Value Plans

Care Advocates

The cost of care at hospitals and facilities can be expensive for both members and employers. Care Advocates can negotiate lower costs on your behalf, often with a $0 copay.

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