PPO Advantage HDHP

Navigator PPO Plans offer a three-tier benefit structure that gives employees the flexibility to choose care that best fits their health and financial needs.

All PPO Plans include access to Care Advocates who can negotiate lower costs for certain care at hospitals and facilities, often with a $0 copay, when you contact a Care Advocate prior to receiving hospital and facility care. Coverage and costs vary by plan.

Tier 1Care Advocate	4000 Plan	4500 Plan	6000 Plan	6500 Plan
Deductible (Single / Family)	None	None	None	None
Out-of-Pocket Limit (Single / Family)	None	None	None	None
Tier 2In-Network	4000 Plan	4500 Plan	6000 Plan	6500 Plan
Deductible (Single / Family)	$4,000 / $8,000	$4,500 / $9,000	$6,000 / $12,000	$6,500 / $13,000
Out-of-Pocket Limit (Single / Family)	$7,050 / $14,100	$7,050 / $14,100	$7,050 / $14,100	$7,050 / $14,100
Tier 3Out-of-Network	4000 Plan	4500 Plan	6000 Plan	6500 Plan
Deductible (Single / Family)	$8,000 / $16,000	$9,000 / $18,000	$12,000 / $24,000	$13,000 / $26,000
Out-of-Pocket Limit (Single / Family)	Unlimited	Unlimited	Unlimited	Unlimited
	Schedule of Benefits	Schedule of Benefits	Schedule of Benefits	Schedule of Benefits

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.

The benefit coinsurances and copayments listed here are for Navigator PPO Advantage HDHP 4000. Please see the full Plan Summaries for Navigator PPO Advantage HDHP 4500, 6000, and 6500.

Physician & Ancillary Services	Care Advocate	In-Network	Out-of-Network
Primary Care Office Visit	Not Applicable	20% Coinsurance ^**	50% Coinsurance ^***
Specialist Office Visit	Not Applicable	20% Coinsurance ^**	50% Coinsurance ^***
Other Services (Performed in Office)	Not Applicable	20% Coinsurance ^**	50% Coinsurance ^***
Physician Services (Performed in a Facility)	Not Applicable	20% Coinsurance ^{** §}	50% Coinsurance ^{*** §}
Urgent Care Visit	Not Applicable	20% Coinsurance ^**	50% Coinsurance ^***
Maternity Physician Services	Not Applicable	20% Coinsurance ^{** §§}	50% Coinsurance ^{*** §§}
Lab Services (Non-Hospital)	Not Applicable	20% Coinsurance ^**	50% Coinsurance ^***
Rehab & Therapy (Non-Hospital)	Not Applicable	20% Coinsurance ^{** §}	50% Coinsurance ^{*** §}
Alternative Care (Chiropractic, Acupuncture, Massage Therapy)	Not Applicable	20% Coinsurance ^**	50% Coinsurance ^***
Facility-Based Services	Care Advocate	In-Network	Out-of-Network
Emergency Services Hospital ER (Facility Charge Only)	Not Applicable	20% Coinsurance ^**	50% Coinsurance ^***
Ambulance – Emergent (Ground Only)	Not Applicable	20% Coinsurance ^**	50% Coinsurance ^***
Radiology (Hospital Outpatient)	Not Applicable	20% Coinsurance ^{** §}	50% Coinsurance ^{*** §}
Dialysis & Supplies	Not Applicable	$3,050 Copayment ^{** §}	50% Coinsurance ^{*** §}
Outpatient Services (Cardiac, Pulmonary, PT, OT, ST)	0% Copay / 0% Coinsurance ^*	20% Coinsurance ^{** §}	50% Coinsurance ^{*** §}
Outpatient Surgeries	0% Copay / 0% Coinsurance ^*	20% Coinsurance ^{** §}	50% Coinsurance ^{*** §}
Inpatient Hospitalizations	0% Copay / 0% Coinsurance ^*	20% Coinsurance ^{** §}	50% Coinsurance ^{*** §}
Transplant Procedures	0% Copay / 0% Coinsurance ^*	$3,050 Copayment ^{** §}	50% Coinsurance ^{*** §}
Prescription Drug Benefits	Care Advocate	In-Network	Out-of-Network
Preventive Prescription Services (Prescription Drugs, Pharmacy Retail – up to a 30-Day Supply)	Not Applicable	Generic - $0 Copayment	Not Covered
Non-Preventive Prescription Services (Prescription Drugs, Pharmacy Retail – up to a 30-Day Supply)	Not Applicable	Generic / Preferred Brand - 20% Coinsurance ^**	Not Covered
Specialty Drugs	Not Applicable	20% Coinsurance ^**	Not Covered

^* Cannot guarantee a “Care Advocate” option will be available in your area for every medical service or procedure in this category. Some travel may be necessary to receive $0 Copay for larger-cost, non-emergency procedures.
^** After Annual Deductible.
^*** After Annual Deductible plus amounts that exceed the Maximum Allowed Charge.
^§ Prior authorization required. If prior authorization is not obtained, there are no benefits.
^§§ No prior authorization required unless stay exceeds 48 hours or 96 hours for caesarian section.