What Does a Blue Choice PPO Insurance Plan Cover?


Quick Answer

A BlueChoice PPO insurance plan covers generic drugs; a handful of brand-name drugs; tests for cholesterol, diabetes and blood pressure; mammograms; colonoscopies; vaccines; prenatal care and flu shots. It also covers doctor and hospital visits, emergency treatments and care, mental health care, occupational therapy, emergency dental services, dental checkups and ambulance services, according to the BlueChoice South Carolina website, BlueChoiceSC.com.

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Full Answer

BlueChoice PPO is an insurance plan provided through Blue Cross Blue Shield. Although details of these plans can vary between states and employer-provided plans, they usually offer similar core services.

BlueChoice insurance plans offer prescription drugs on a copayment basis. Coverage includes most generic drugs, as well as a few preferred brand-name drugs. Some plans may also offer non-preferred brand-name drugs for a higher copayment, according to the Blue Cross Blue Shield Texas website, BCBSTX.com.

Due to the Affordable Care Act, BlueChoice health insurance plans must also cover core services. These include emergency services, hospitalization, mental health services, substance abuse services, prenatal and newborn care, lab services, pediatric care and rehabilitation treatments. BlueChoice also includes preventative services, such as screening for breast cancer and colon cancer, cholesterol tests, blood pressure tests and diabetes screenings. It also covers vaccinations for diseases such as polio, measles, pneumonia and the flu, checkups for children up to the age of 21 and assistance with smoking cessation and weight loss.

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