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PPO plan options

Maximum freedom of choice for employees.

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Give employees affordable health insurance and freedom of choice. On most plans, members see physicians and select hospitals of their choice with flat-rate copayments for office visits. PPO members have access to VirtualCare (for only a $5 copay on most plans) and wellness programs, including Healthy Blue Rewards and more.

Most Platinum, Gold and Silver PPO plans include a choice of two prescription drug plans. Rx 0 does not require any deductible on prescription drugs -- only fixed copays. Rx 250 applies a $250 annual deductible to brand-name prescription drugs only. All drugs (brand and generic) are subject to fixed copays or coinsurance.

Gold Simple PPO does not apply deductible before copay for ER.

The Bronze PPO includes a prescription drug plan with an integrated medical/Rx deductible.

D/$ = Deductible applies first, then a copay.

2026 plans

Platinum

Plan HRA option Deductible Coinsurance Out-of-pocket max PCP Specialist Emergency room
Platinum PPO 0/0/15 No $0 0% $4,500 $15 $30 $150
Platinum PPO 250/0/15 No $250 0% $2,500 $15 $30 D/$200

Gold

Plan HRA option Deductible Coinsurance Out-of-pocket max PCP Specialist Emergency room
Gold Simple PPO 0/0/40 No $0 0% $9,200 $40 $65 $350
Gold PPO 500/0/25 No $500 0% $8,550 $25 $50 D/$300
Gold PPO 1000/0/20 No $1,000 0% $8,550 $20 $40 D/$300
Gold PPO 2000/0/20 Yes $2,000 0% $6,900 $20 $40 D/$200
Gold PPO 3000/0/15 Yes $3,000 0% $6,250 $15 $40 D/$125

Silver

Plan HRA option Deductible Coinsurance Out-of-pocket max PCP Specialist Emergency room
Silver PPO 4000/0/40 Yes $4,000 0% $9,200 $40 $75 D/$400
Silver PPO 5000/0/35 Yes $5,000 0% $9,200 $35 $65 D/$350
Silver PPO 6000/0/35 Yes $6,000 0% $9,200 $35 $65 D/$350
Silver PPO 8000/0/40 Yes $8,000 0% $9,950 $40 $70 D/$350

Bronze

Plan HRA option Deductible Coinsurance Out-of-pocket max PCP Specialist Emergency room
Bronze PPO 9200/0/0 Yes $9,200 0% $9,200 No charge after deductible No charge after deductible No charge after deductible

2025 plans

D/$ = Deductible applies first, then a copay.

2025 plans

Platinum

Plan HRA option Deductible Coinsurance Out-of-pocket max PCP Specialist Emergency room
Platinum PPO 0/0/15 No $0 0% $4,500 $15 $30 $150
Platinum PPO 250/0/15 No $250 0% $2,500 $15 $30 D/$200

Gold

Plan HRA option Deductible Coinsurance Out-of-pocket max PCP Specialist Emergency room
Gold PPO 500/0/25 No $500 0% $8,550 $25 $50 D/$300
Gold PPO 1000/0/20 No $1,000 0% $8,550 $20 $40 D/$200
Gold PPO 2000/0/20 Yes $2,000 0% $6,900 $20 $40 D/$200
Gold PPO 3000/0/15 Yes $3,000 0% $6,250 $15 $40 D/$125

Silver

Plan HRA option Deductible Coinsurance Out-of-pocket max PCP Specialist Emergency room
Silver PPO 4000/0/40 Yes $4,000 0% $8,700 $40 $75 D/$400
Silver PPO 5000/0/35 Yes $5,000 0% $8,700 $35 $65 D/$350
Silver PPO 6000/0/35 Yes $6,000 0% $8,550 $35 $65 D/$350
Silver PPO 8000/0/40 Yes $8,000 0% $9,200 $40 $70 D/$350

Bronze

Plan HRA option Deductible Coinsurance Out-of-pocket max PCP Specialist Emergency room
Bronze PPO 9200/0/0 Yes $9,200 0% $9,200 No charge after deductible No charge after deductible No charge after deductible

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