How The PPO (Surest) Plan Works

The PPO (Surest) plan is a copay-based medical plan administered by Surest, a UnitedHealthcare (UHC) company. It provides comprehensive medical coverage and access to in-network and out-of-network providers nationwide, and you do not need a referral to visit a specialist.

The PPO (Surest) plan is a copay plan design, which means you pay for care a bit differently than with other medical plans. If you’ve enrolled in the PPO (Surest) plan, you may have some questions about how it works as you begin to receive care. Here are a few key reminders and things to consider:

No Deductible or Coinsurance

This means you won’t have to incur a significant out-of-pocket expense before the plan begins to pay for care — nor will you be on the hook for a percentage of care after you reach your deductible. As a copay plan, the PPO (Surest) plan ensures you will pay a flat rate when you receive care.

Broad Network

Because Surest is a UHC company, all providers from the Choice Plus (Select Plus in CA) UHC network are considered in-network. Additionally, the PPO (Surest) plan includes out-of-network coverage and does not require you to get a referral to see a specialist.

Predictable Healthcare Expenses

In addition to no deductible or coinsurance, the PPO (Surest) plan has an easy-to-use app and website that tell you exactly what your copay will be before you go to the doctor.

Rewards for Seeing the Best Doctors

The PPO (Surest) plan ranks the doctors in your area in terms of improving health outcomes and cost efficiency. Then, Surest assigns the lowest copays to the highest ranked doctors. This means you’ll pay less when you make it a point to see the highest-rated doctors in your area.

Find out more about the PPO (Surest) plan and how it works by visiting the links below. If you have any other questions about the plan, contact Surest by visiting benefits.surest.com or calling 866-683-6440.