No referrals, no pre-approvals
You choose the physicians and hospitals you want!
We realize how important it is to you that you make your own decisions, especially when it comes to your physicians and caregivers. We know that when you're sick, you don't want to wait...you want to see a physician right away. You don't want to wait for someone to give you a referral or wait for a voice over the phone to give you an approval to see a specialist.
With HealthCare Select, you never need a referral or pre-approval to visit a physician or hospital - those decisions are yours. When you choose physicians from the array of HealthCare Select preferred providers, there is NO charge to you. Your visits, exams and even surgeries, are covered 100%. When you choose to receive care from non-preferred physicians or hospitals, HealthCare Select will cover 80% of the costs. You'll have to pay just 20%. The choice is still yours.