In-Network Benefits	Out-Of-Network Benefits
Preferred Provider Health Insurance Plan (PPO) Select BasicSM pays 75 percent and the policyholder pays 25 percent of covered expenses after the deductible has been met.	Preferred Provider Health Insurance Plan (PPO) Select BasicSM pays 50 percent and the policyholder pays 50 percent of covered expenses after the deductible has been met.
All physician office visits will be subject to deductible and coinsurance.	All physician office visits will be subject to deductible and coinsurance.
Network providers will preauthorize medical care.	Policyholders must preauthorize hospital admissions and certain services.
There are usually no claim forms to file.	Policyholders may have to submit claims for reimbursement.
Emergency room visits are subject to deductible and coinsurance 75/25.	Emergency room visits are subject to deductible and coinsurance 50/50.