In-network coverage offers a higher level of benefits than the PPO option. Network offers the highest level of EPO benefits when you use a physician from the Blue Cross network. Office visits, including visits to a specialist, are covered in full with no co-payment. There is no annual deductible for other services. Non-Network allows you to use a health care provider outside of the Blue Cross network, but it pays a lower level of benefits.
Hospitalization requires an additional deductible.
You are not required to choose a primary care physician in the Kaiser plan, however all services must be received by Kaiser physicians at Kaiser facilities. You will not be covered for services not received through the Kaiser system, except in emergency situations. Dental Coverage Latitude also provides dental coverage through Phoenix Home Life. This plan offers a PPO network of doctors for you to choose from for discounted rates. Basic procedures include work such as fillings, oral surgery, simple extractions, and minor restorative work.