Nationwide PPO Choice Plans

Nationwide offers two different health plans in this category, but each has a choice of deductibles that can help you personalize the plan to your budget and expected health care needs. The lifetime maximum benefit is $5,000,000 and you are guaranteed to not have a rate increase for at least 12 months. For most covered services, you have coverage both in and out-of-network, but with Nationwide's national network of providers through the CCN network, you should be able to receive quality care at lower negotiated rates. Some services require pre-authorization and using a non-network hospital will reduce your benefits to a maximum of $800 per day.

Nationwide PPO Choice Saver Select

These are Nationwide's HSA compatible, high-deductible, PPO plans. You choose a deductible amount of $1,650, $2,400, $3,600 or $4,800 if you are single. The deductible options for families are two-time the amount of the single options. The monthly premium amounts will decrease as the deductible amount you select increases. Regardless of which deductible you select, you are covered in full once you meet that deductible annually. For out-of-network office visits, you will be responsible for all expenses over $25, even after you have met your maximum. Maternity benefits are only provided on the two higher deductible options only. Prescription drugs are covered the same as all other services, with no copayment of coinsurance after you have met your plan deductible.

Nationwide PPO Choice 30 Plan

There are three different deductible options under the Choice 30 plan category, $750, $1,500 or $2,500. After the deductible, you will be responsible for paying a 30% coinsurance until your share reaches the annual maximum of $4,000. Physician visits and preventive health care are provided at a set copayment of $30 and are not subject to your deductible. Immunizations for Influenza, Pneumonia and Tetanus are $15, as are some childhood immunizations. When using an emergency room for your health care needs, you will need to $100 plus your coinsurance amount. A separate copayment of $250 applies to hospital admissions. Prescription drugs are $10 generic and $35 brand formulary. Non-formulary drugs are $50, or 50%, whichever is greater, but are not subjected to an annual deductible like most other health plans in California. Maternity coverage is included on this plan and the benefits and share of costs are treated the same as any other health condition. Ambulance services for non-emergencies are limited to $5,000 of payable benefits pre calendar year.

The information provided on this page is subject to change and my not be current. Check with the insurance company or your insurance agent for verification of details. The information provided is for comparison purposes only and is not legally binding. Always review the plan brochure or your policy details for complete and accurate details about this policy.