Enjoy a lower premium and no deductibles with Basic Option. Choose from an extensive network of Preferred providers for all of your medical needs to receive benefits. Basic Option is designed to provide you and your family with convenient and affordable healthcare coverage.
Affordable coverage
Under Basic Option, you are required to use Preferred providers for all of your medical care. Your coverage includes medical, maternity, chiropractic and prescription drug benefits as well as preventive dental services. Basic Option does not provide benefits for care administered by a Non-preferred provider except in certain situations, such as emergency care.
No deductibles and low-cost, comprehensive copayments
There is no calendar year deductible under Basic Option. Pay just $25 for each office visit to a Preferred primary care provider and a $30 copayment when you see a specialist. Your copayment then also covers any laboratory tests and x-rays billed by your provider.
An extensive network of care
Our network of Preferred providers includes over 500,000 hospitals, physicians, dentists, pharmacies and other health care providers. Use the Provider Directory to locate Preferred providers in your area.
Compare your options. Learn how features of the Standard Option, Basic Option and Basic Consumer Option (a sub option of Basic Option).
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Find out what steps you need to take if you are interested in enrolling in the Service Benefit Plan.
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If you are already enrolled and want to keep your current plan for 2009 and don't have any changes, you don't need to do anything. If you want to change your coverage for 2009 or have changes, you may be required to complete and submit specific forms.