Managed Choice® POS Plan
(CSR & CWA Local 1298 employees only)

Choice when you want it; coordination when you need it.

How the Plan Works

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:

You May Visit Your PCP

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.

You May Seek Care on Your Own

When you seek care on your own (non-preferred care) – in other words, without a referral from your PCP:

• You must meet a deductible each calendar year before the plan starts to pay benefits.
• After you meet the deductible, the plan will pay a percentage of the remaining expense (coinsurance) based on the reasonable and customary charge. You will pay the remainder of the expense.
• You must call Aetna to start precertification for certain types of care.
• You may be required to file your own medical claims.