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BIGGER & BETTER
FOR 2007
The NEW low cost concept from the health insurance industry is here and it is LOW COST !
Flexible coverage and
personal control. That's power.
Now there's a plan that gives you maximum flexibility and control over your
healthcare at a low cost. Four Front provides you with the security of
preventive coverage like an HMO, plus the ability to see any doctor without
referrals. Like traditional insurance, Four Front includes a tremendous
selection of doctors and providers, plus outpatient and inpatient services. So
you have the choices you want and you know you're covered when it really counts.
All this and low premiums too. Because you don't pay for all kinds of stuff you don't really need.
More control over your healthcare.
With Four Front, you are covered in full or at a co-pay for the services you
need most. You get access to one of the largest networks available, so your
doctor is probably already one of ours. In fact, you can choose from more than
97% of Upstate New York physicians..
Freedom and flexibility
Four Front gives you access to the largest provider network in Upstate New York
without having to choose a primary care physician or ever ask for a referral.
Plus, when you are away or traveling, you're covered at any Excellus BlueCross BlueShield
participating hospital or doctor anywhere in the country.
The confidence of solid coverage when you need it. With Four Front, you're covered for:
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Preventive services- services including well-child visits, adult routine physicals, and immunizations are covered in full or at a standard co-pay. |
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Sick visits- when you're sick or injured, you have unlimited diagnostic visits, and the first four are covered at your co-pay. After that, you're covered at the deductible/coinsurance level. |
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Support services- With Four Front, there are programs available such as comprehensive case management for catastrophic illness. |
A unique benefit design.
Research shows that Excellus Healthcare members typically visit the doctor 2-3
times per year. So we went one better: Four Front includes 4 diagnostic visits
for you and each enrolled family member. These visits are covered at a low co-pay
when you go to a participating provider. Remember that preventive care is always
covered in full or subject to your co-pay.
After the first 4 visits, additional diagnostic or "sick" visits apply toward your deductible -- a fixed out-of-pocket cost. Once you've met the deductible, you pay coinsurance -- a percentage of the allowable cost-up to the out-of-pocket maximum. By going to participating physicians you can limit your out-of-pocket costs, because they agree to accept the allowable charge as payment in full.
Four Front also provides coverage for lab and X-rays. We've found that the average annual cost for such diagnostics is about $400. That's why Excellus Four Front covers $400 worth of combined lab and X-ray service per family member per year. After the first $400, you pay the deductible and coinsurance.
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Need more information?
Employers, please contact your Account Representative or
Call Dave or Jan Lindberg at 315-457-5189.