ACS PPO Plan

As a participant in the ACS PPO plan, you decide whether to receive care from an in-network provider or an out-of-network provider. Aetna provides the network for the PPO throughout most of the United States, except Cigna provides the network for all participants who are employees in the following locations:

  • -  Georgia
  • -  Colorado
  • -  Minnesota
  • -  Utah
  • -  Washington
  • -  South Dakota
  • -  Yreka, California
  • -  Portland, Oregon

To find out if your doctor is in the Aetna network, follow these steps:

 

1. Go to www.aetna.com and click on “Find a Doctor”.

2. Enter the type of search and requested information.

3. Under Aetna Open Access Plans, select Aetna Choice POS II.

To find providers in the Cigna network, follow these steps:

            1. Go to www.cigna.com and click on “Find a Doctor”.

            2. Enter the doctor’s name and location or your zip code.

            3. Select the Open Access Plus plan and choose “Primary Care Physician” or “Specialist.”

 

 Note:  If you live in Oregon, click here to find a CIGNA provider.

 

Here’s a summary of how the ACS PPO Plan works.

In-Network care

Out-of-Network care

·Providers agree to charge you negotiated rates; you are not responsible for expenses over the negotiated rates

·Providers may charge prevailing rates, which are generally higher than negotiated rates and may be over reasonable and customary rates (you will pay amounts over the reasonable and customary rates)

 

·Your annual deductible is lower

·Your annual deductible is higher

 

·You pay a co-pay for each doctor visit

·You pay your deductible, plus a percentage of the cost for doctor office visits

 

·Your doctor generally files claims for you

·You generally pay the expenses and then file a claim for reimbursement

 

·Your share of the expenses is generally lower

·Your share of the expenses is generally higher

 

·Your out-of-pocket maximum (the amount you must pay before the plan begins paying 100% of eligible expenses) is lower

 

·Your out-of-pocket maximum is higher

 ———————————————————————————————————-

Questions about your employee benefits or other Human Resources issues? Contact the Workplace Solutions Center at (888) 471-2271.