With this option, you can see both in-network and out-of-network doctors without a referral, but keep in mind staying in-network for care will almost always be cheaper. To help with your share of costs, this plan comes with a Health Savings Account (HSA) that you can contribute to.

2024 CHOICE HSA PPO PLAN PLAN HIGHLIGHTS
Provider network Extensive national network of contracted providers. Benefits are higher when you use in-network PPO providers.