 | Direct access to physicians, specialists, hospitals, and other health care professionals in the Horizon Managed Care Network without referrals. |
| Lower out-of-pocket costs and higher plan benefits by using the 11,000 doctors, specialists, hospitals, and other health care professionals in the Horizon Managed Care Network. |
| No referrals needed for specialist visits. |
| Virtually no claims to file. |
| Wellness and discount programs. |
| Primary Care Physician (PCP) selection optional but encouraged for guidance and managing medical care. |
| For female members, no PCP referral needed for routine gynecological care from more than 300 Ob/Gyns in the Horizon Managed Care Network. |
| Prenatal education and information program available. |
| Out-of-network option offers care from any physician or hospital outside the Horizon Managed Care Network in exchange for higher out-of-pocket costs. Deductibles and coinsurance may apply. |
| Using doctors in our broader, traditional network allows for out-of-pocket savings. |
| Most out-of-pocket costs for care are from licensed, non-network doctors and hospitals. |
| Nationwide and worldwide access to medical care through the BlueCard® PPO program. |
