![]() ACE also accepts several vision insurance plans, including VSP, MES, and Envolve, as well as most private medical PPO insurance plans. To that end, ACE is proud to accept most public health plans such as Kern Family Healthcare, HealthNet, Straight Medi-Cal, Medicare, Medi/Medi, and Covered California. Our mission is to make high-quality eye care available to everybody in Kern County, regardless of their ability to pay. As a PPO health plan member, you get maximum benefit coverage when you use the PPO network of physicians and hospitals.ACE’s Bakersfield eye doctors, three ophthalmologists and three optometrists provide routine eye exams, diabetic eye exams, eye disease management and testing, contact lens assessments, surgical eye care, and low vision evaluations. And through our in-house Optical Department, which features a large selection of stylish metal and plastic frames, we are able to fill prescriptions for eyeglasses. Under a PPO/Indemnity plan, there is no geographic restriction. The plan pays higher benefits when utilizing a participating provider than a non-participating provider. Similar to HMO’s, the PPO Indemnity plan contracts with specific doctors and hospitals in certain areas. You are responsible for a certain co-insurance amount and the plan pays the balance up to the allowable amount. In these plans, you must usually meet an annual deductible before some benefits apply. A PPO allows you to select a primary care provider and specialists without referral. The following links provides you with a summary and comparison of each plan's benefits and copays.Ī PPO is similar to a traditional "fee-for-service" plan, but you must use doctors in the PPO provider network or pay higher co-insurance (percentage of charges). If you go outside of the HMO without a referral from the plan, you'll be responsible for the total cost of services, except for emergencies or urgent care services. The PCP coordinates all your care, including referrals to a specialist. The HMO will give you a list of doctors for your use in choosing a primary care physician (PCP). While you pay co-payments for some services, you have no deductibles, no claim forms, and a geographically restricted service area. ![]() There are two types of plans from which to choose: Health Maintenance Organizations (HMO)Īn HMO is a plan that provides healthcare from specific doctors and hospitals under contract with the plan. The combination of health plan and providers that is right for you depends on a variety of factors, such as whether you prefer a Health Maintenance Organization (HMO) or Preferred Provider Organization (PPO) your premium and out-of-pocket costs and whether you want to have access to specific doctors and hospitals. When you choose a health plan, be sure to review the plan's covered and non-covered services and the restrictions on your choice of providers. Employee rates vary depending on the plan selected, coverage level and employee category. Medical Insurance coverage for eligible CSU employees is administered by the Public Employee's Retirement System (CalPERS). The University offers a variety of medical insurance plans available to covered employees and their eligible dependents, with the majority of the premiums paid by the CSU. ![]() ![]() ![]() HEALTH INSURANCE PLANS Medical Insurance Plans ![]()
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