When you enroll in Managed Choice POS, you are required to select a primary care physician (PCP) for yourself and each covered family member.
NOTE: It's important to remember that the plan pays benefits at the non-preferred level whenever you seek care without the help of your PCP - even if you seek care from a network provider.
Each time you need care (at the "point of service"), you have a choice:
Your PCP will provide basic, routine care – exams, screenings and treatment for minor illnesses and injuries. When you need care your PCP can't provide, he or she will refer you to an in-network specialist. When your PCP provides or coordinates your care (preferred care), you pay a flat fee – called a copayment (or copay) – for most types of covered expenses. You pay the copay at the time you receive a medical service or supply.
When you seek care on your own (non-preferred care) – in other words, without a referral from your PCP: