Personal Choice PPO leverages organized systems of care to offer members unique access to the PPO network at lower costs. OSCs are communities of doctors and hospitals within the Blue Cross PPO network who work together to provide the highest level of customized, coordinated care that’s right for each patient.
Michigan HealthLink is a Level 1 designated OSC, based on our level of care at the lowest cost.
As a Personal Choice PPO member, to receive the lowest costs select a primary care doctor in a Level 1 OSC. Out-of-pocket costs will vary based on where you choose to receive care (such as a hospital, urgent care clinic or specialist). Click here for a member enrollment brochure.
A Guide to Personal Choice PPO Costs
Personal Choice PPO plans have various cost sharing levels, starting with the lowest at Level 1.
- You pay Level 1 cost share by choosing a primary care doctor in a Level 1 OSC and using doctors or hospitals within your OSC
- You also pay Level 1 cost share if you receive a referral from your primary care doctor to use a doctor or hospital outside of your primary care doctor’s Level 1 OSC but within the PPO network
- If you use a provider in another OSC or elsewhere within the Blue Cross PPO network without a referral from your doctor, you pay a Level 2 cost share
- You pay the highest costs if you select doctors and hospitals outside the Blue Cross PPO network
Personal Choice PPO combines the ability of full choice and control of traditional PPO plans, with the added benefit of coordinated care. Click here to learn more about the Plan including short introductory videos!
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