PPO Plan
Not HSA Eligible
20%
Coinsurance
$2,000 / $4,000
Individual/ Family Deductible
$9,200 / $18,400
Individual/Family Max Out-of-Pocket
$200 copay + Ded. + 20%
Emergency Room Visit
Prescriptions
20% Generic Drugs
20% Preferred Brand
20% Non-Preferred Brand
10% Mail Order 90 day supply Specialty Drugs
General Information
Blue Cross Blue Shield of South Carolina
Phone: (800) 288-2227
What is a PPO plan?
A preferred provider organization plan has a higher monthly cost, but a lower deductible meaning the plan will cover more sooner.
HDHP vs PPO plans
General Information
Blue Cross Blue Shield of South Carolina
Phone: (800) 288-2227
What is a HDHP plan?
A plan with a higher deductible than a traditional insurance plan. A high deductible plan can be combined with a health savings account (HSA), for you to pay for certain medical expenses with money you set aside in your tax-free HSA.
HDHP vs PPO plans
Base Plan*
HDHP/HSA Eligible
20%
Coinsurance
$2,000 / $4,000
Individual/ Family Deductible
$6,500 / $12,000
Individual/Family Max Out-of-Pocket
Ded. + 20%
Emergency Room Visit
Prescriptions
Ded. + 20% Generic Drugs
Ded. + 20% Preferred Brand
Ded. + 20% Non-Preferred Brand
Ded. + 20% Specialty Drugs
Buy-Down Plan**
HDHP/HSA Eligible
20%
Coinsurance
$3,000 / $6,000
Individual/ Family Deductible
$6,500 / $12,000
Individual/Family Max Out-of-Pocket
Ded. + 20%
Emergency Room Visit
Prescriptions
Ded. + 20% Generic Drugs
Ded. + 20% Preferred Brand
Ded. + 20% Non-Preferred Brand
Ded. + 20% Specialty Drugs
General Information
Blue Cross Blue Shield of South Carolina
Phone: (800) 288-2227
What is a HDHP plan?
A plan with a higher deductible than a traditional insurance plan. A high deductible plan can be combined with a health savings account (HSA), for you to pay for certain medical expenses with money you set aside in your tax-free HSA.
HDHP vs PPO plans
PPO Plan
Not HSA Eligible
20%
Coinsurance
$2,000 / $4,000
Individual/ Family Deductible
$9,200 / $18,400
Individual/Family Max Out-of-Pocket
$200 copay + Deductible + 20%
Emergency Room Visit
Prescriptions
$15 Generic Drugs
50% Preferred Brand
50% Non-Preferred Brand
50% Specialty Drugs
Learn More
Base Plan*
HDHP/HSA Eligible
20%
Coinsurance
$2,000 / $4,000
Individual/ Family Deductible
$6,500 / $12,000
Individual/Family Max Out-of-Pocket
Deductible + 20%
Emergency Room Visit
Prescriptions
Deductible + 20% Generic Drugs
Deductible + 20% Preferred Brand
Deductible + 20% Non-Preferred Brand
Deductible + 20% Specialty Drugs
Learn More
Buy-Down Plan**
HDHP/HSA Eligible
20%
Coinsurance
$3,000 / $6,000
Individual/ Family Deductible
$6,500 / $12,000
Individual/Family Max Out-of-Pocket
Deductible + 20%
Emergency Room Visit
Prescriptions
Deductible + 20% Generic Drugs
Deductible + 20% Preferred Brand
Deductible + 20% Non-Preferred Brand
Deductible + 20% Specialty Drugs
Learn More
* Base Plan: Employee Only Enrollment: $2,000 deductible / Emp+Dependent(s) Enrollment: $4,000 combined family
** Buy-Down Plan: Employee Only Enrollment: $3,000 deductible / Emp+Dependent(s) Enrollment: $3,300 per individual / $6,000 family max
HSA & FSA
When choosing between a Health Savings Account (HSA) or a Flexible Spending Account (FSA), you might wonder which is best for you.
Click here to learn more about the differences and benefits.
Learn More