Products & Services

Alliance Select^SM Coinsurance PPO Plans

Alliance Select is a Preferred Provider Organization (PPO) product that offers a number of choices in price and benefits, so you can find the coverage that best fits the needs of your business and employees. These plans take advantage of Wellmark's strong local Alliance Select provider network, and also give employees access to the BlueCard national network for out-of-area care.

How It Works
These plans use deductibles and coinsurance percentages to determine employee cost sharing for health care services. Each plan provides two levels of coinsurance, with a higher level of benefits for using providers in the Alliance Select network. For all but preventive and office-based care, employees must meet the benefit period deductible before the plan pays benefits.

Employees can go directly to specialists without a referral and have the freedom to go outside the network, although they'll pay less for services from Alliance Select providers. In-network providers also file claims directly with Wellmark Blue Cross and Blue Shield, offering even greater service.

Highlights

• Network strength. With 99 percent of Iowa physicians and 100 percent of Iowa’s hospitals participating in the Alliance Select network, employees won’t have any trouble finding a network provider or facility.
• Direct access to specialists. Employees are not required to designate a primary care provider (PCP), and they're free to see specialists without referrals.
• In- or out-of-network coverage. Employees maximize their benefits by choosing an Alliance Select provider, but have the freedom to visit providers outside the network if they’re willing to share more of the cost of their care.
• Coverage anywhere via BlueCard. If employees need care away from home, they're covered by the Blue Card network, with more than 6,000 hospitals and 635,000 doctors worldwide.

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Wellmark Blue Cross and Blue Shield is an Independent Licensee of the Blue Cross and Blue Shield Association doing business in Iowa and South Dakota. Blue Cross®, Blue Shield®, and the Cross® and Shield® symbols are registered marks of the Blue Cross and Blue Shield Association, an Association of Independent Blue Cross and Blue Shield Plans.