You are not restricted to a service area or contracted providers as in the managed care health plans. The PERS board negotiates and contracts with the individual health plans.
PERS strives to offer the best premiums while maintaining the highest level of benefits.
Indemnity type plans have no service area or contracted providers. Claims are paid on a fee for service basis. Managed care plans have specific service area and contracted providers. You must select a primary care physician and often need preapproval before obtaining specialist services. Only during a plan change period, or if you are moving out of your health plan's service area.