PPO Select. Member Handbook A guide to understanding your PPO Select benefits from Group Health Plan

Transcription

1 PPO Select Member Handbook A guide to understanding your PPO Select benefits from Group Health Plan

2 T Table of Contents Your Plan Basics...2 GHP s Provider Networks...4 Your Health is Our Focus...6 Getting the Care You Need...8 Important Information About Your Pharmacy Coverage...14 Congratulations...16 Important Contact Information Member Services... Please call the number on the back of your Member ID card Member Services TDD Line...(877) Website marketingghp@cvty.com Net Support Team...(866) Behavioral Health Line...(877)

3 PPO Select This handbook refers ONLY to GHP s PPO Select plan. Congratulations and Welcome to GHP, a Coventry Health Care Plan! We look forward to providing you and your family quality health care coverage and excellent service. After all, isn t that what you really want in a health plan? Use this convenient checklist to make sure you complete each step of the enrollment process. Review your enrollment and member materials, including this Member Handbook and your Summary of Benefits. Complete the Enrollment/Change form and return it to your company s benefits administrator or human resources office. Coventry must receive the Enrollment/Change form within 31 days of eligibility/qualifying event. Contact GHP s Member Services if you have any questions. Obtain any necessary prior authorizations for current medications. Obtain new prescriptions for mail order prescriptions. Notify your providers of your change in health insurance coverage. Place the new Member ID card in your wallet once you receive it. Register for My Online Services. For more information about GHP or answers to any questions you may have, please call Member Services at the number on the back of your Member ID card or visit us online ( hank you and welcome to Group Health Plan A Coventry Health Care Plan In the event of any differences between this booklet and your Certificate of Coverage, the terms of the Certificate of Coverage will be considered correct. The PPO Select product is underwritten by Coventry Health and Life Insurance Company.

4 Your Plan Basics How to use your health benefits You Have a PPO Select Plan As a member of GHP s PPO Select, you have access to two different levels of medical benefits: 1) in-network and 2) out-of-network. Please note: Please check your ID card for the exact name of your product. PPO and PPO Select are different products with different provider networks. If your card indicates PPO Select, you must choose PPO Select for an accurate list of providers. If you live outside the service area or are a student on the Passport Program, please select Coventry National Network in the product selection drop down box. To locate a provider online at go to Locate a Provider at the top of the page. Select Enter Provider Search. After you select a provider service, choose PPO Select from the drop down box. To receive care at the in-network level of benefits, you should receive care only from a PPO Select in-network provider. You will incur substantial out-of-network charges if you seek services from a provider that is not in the PPO Select provider network. It is very important to review your Certificate of Coverage for complete details of your benefits. If you choose to receive care from an out-of-network provider, GHP pays for covered benefits at your outof-network level. This means you ll pay substantially more out-of-pocket for covered services. (See example below). Except for emergency services, covered services provided by out-of-network providers are covered at the out-of-network rate. You are responsible for applicable copays, coinsurance and deductibles. Please feel free to contact GHP regarding the out-of-network rate. If you are charged for services equal or less than the out-of-network rate, your out-of-network benefits should completely cover the costs, except for any copay, deductible and coinsurance. However, if you are charged more than the out-of-network rate for services, you must pay the remainder. $150 (sample total rate charged by provider) Payments for charges above the GHP out-of-network rate do not count towards your annual out-of-pocket maximum. Member Responsibility $100 (sample GHP out-of-network rate) 20% coinsurance GHP Responsibility 80% paid by GHP Example of out-of-network charges: Assume your coinsurance is 20 percent, the provider s bill is $150 and the out-of-network rate established by GHP is $100. GHP would pay $80, you would pay a coinsurance of $20, plus $50 in actual charges that exceed the out-of-network rate. 2

5 Out-of-Pocket Maximum The individual out-of-pocket maximum is a limit on the costs that you must pay for specified covered services in a calendar year/contract year. The family out-of-pocket maximum is a limit on the costs your family must pay for specified covered services in a calendar year/contract year. Once the out-of-pocket maximum is met, covered services are paid without any copay or coinsurance for the remainder of the calendar year/contract year. The out-of-pocket maximum does NOT apply to supplies and services received from an out-ofnetwork provider. Prior Authorization Certain services may require prior authorization from GHP. Generally, in-network providers request prior authorizations. However, as a PPO Select member, prior authorization, especially for out-of-network services, is your responsibility. You should contact Member Services at the number on the back of your Member ID card to be sure your services have been authorized. Whether you receive care from an in-network provider or out-of-network provider, you should confirm that any required authorizations have been obtained. If your in-network provider refers you to another provider, you are responsible for verifying that provider is also a GHP PPO Select in-network provider. If your in-network provider refers you to another provider, you are responsible for verifying that provider is also a GHP PPO Select in-network provider. For full benefit information, please refer to your Certificate of Coverage and Schedule of Benefits. Whenever you have questions about your coverage, please visit or call Member Services at the number on the back of your Member ID card. Our friendly Member Services team is always eager to assist you. The PPO Select product is underwritten by Coventry Health and Life Insurance Company.

6 GHP s Provider Networks Locating an In-Network Provider Near You At GHP, we take pride in our large network of providers who give our members quality care. And, with GHP s extensive credentialing process, you can rest assured that GHP in-network providers meet and maintain excellent standards of quality and service. GHP also gives you access to many hospitals in Missouri, Illinois and throughout the Midwest. Our ever-expanding networks ensure there is an in-network provider ready to see you. Our provider search allows you to locate a provider or create an online directory at The following instructions will help you search for the type of provider you need in the PPO Select network. Locate a Provider Online 1. Go to and select Locate a Provider at the top of the page. 2. To search for an in-network provider, select Enter Provider Search. To search for an out-of-network provider, select Search for a Coventry Health Care National Network provider. 3. Select desired type of provider service (Find a Doctor, Find a Hospital, Find a Behavioral Health/Substance Abuse Provider, Find an Ancillary Service Provider, Find an Urgent Care Center, or Find an Allied Health Care Center). 4. Choose your product (PPO Select or Coventry National Network). Please check your ID card for the exact name of your product. PPO and PPO Select are different products with different provider networks. If your card indicates PPO Select, you must choose PPO Select for an accurate list of providers. (You may request a printed directory for PPO Select by calling Member Services at the number on the back of your Member ID card). If you live outside the service area or are a student on the Passport Program, please select Coventry National Network in the product selection drop down box. 5. Once your product selection is made, you may continue your provider search by name, location, county or zip code. 6. If you search by County, you will create a customized directory that will be ed to you. If you need assistance with any portion of this process, please don t hesitate to call the Net Support Team toll-free at (866) Please Note: GHP s provider networks are subject to change without notice. Please visit or contact your provider or Member Services at the number on the back of your Member ID card to verify an individual provider s participation. 4

7 Be sure to choose PPO Select from the Select a Product drop down box. The PPO Select product is underwritten by Coventry Health and Life Insurance Company. Provider

8 Your Health is Our Focus As a GHP member, you receive quality health coverage and so much more. With GHP, you have access to: Industry-leading online health and wellness tools Tobacco cessation programs Vision discounts A New Approach to Wellness At GHP, we focus on helping you maintain and improve your health. We offer a variety of ways to meet that goal. Coventry WellBeing SM, our innovative, self-care and wellness program, offers tools to support and help improve your overall health. Online Health and Wellness Program Coventry WellBeing provides an online program that uses cutting-edge technology and proven techniques to engage members in activities that promote physical fitness, good eating habits and behavioral management. With the help of accredited health care providers, dieticians and personal trainers, we provide customized wellness programs based on your fitness goals and your current health. Health Risk Assessment The health risk assessment evaluates your health history and lifestyle. Through specific questions, it identifies conditions you may be at risk for and suggests how to reduce or eliminate your risk. Tobacco Cessation Program GHP offers an online tobacco cessation service to help tobacco users quit. The program addresses the challenges of quitting tobacco use and the quitting process. Participants receive consistent support as they try to stop smoking and/or using smokeless tobacco. The program combines proven methods to treat tobacco addiction. It is a powerful and effective program that is available to anyone, anytime and anyplace. With GHP s tobacco cessation program, you have access to: Around the clock, personalized online support Phone calls with your own personal quit coach A colorful guide to help you learn about quitting tobacco Helpful support delivered regularly by For questions or more information about maintaining a healthy lifestyle, call Member Services at the number on the back of your Member ID card or visit our website ( Vision Discounts GHP offers two great options when shopping for a LASIK vision correction provider: Crown Laser Centers and QualSight. Crown Laser Centers offer laser vision correction with free consultations and complimentary follow-up visits (restrictions apply). Affordable financing plans are available. GHP members receive special pricing for conventional LASIK and Custom Vue LASIK. For more information, call (800) EYECARE ( ) or visit their website ( 6

9 QualSight LASIK gives you access to preferred LASIK pricing at percent off the overall national average price. QualSight has 750 locations nationwide and features a credentialed network of 250 of the nation s most experienced LASIK surgeons. Flexible financing options and Lifetime Assurance plans are available. To locate a provider near you or for more information, call (877) , or visit QualSight s website ( For questions or more information about both programs, visit our website, and select Special Services under the Health Care Solutions tab. Vision Benefits GHP s network of ophthamologists and optometrists provides you with quality vision care and prescription eyewear. Please consult your Certificate of Coverage and Schedule of Benefits for benefit information. If you require medical vision services, you should utilize an ophthalmologist in the PPO Select network. If you require an annual eye exam, you should utilize and EyeMed provider. For more information, please call Member Services at the number on the back of your Member ID card. To find a opthamologist or optometrist near you, 1. Go to and select Locate a Provider at the top of the page. 2. Select Enter Provider Search to locate a provider for medical vision services (select EyeMed Vision Care for annual eye exam providers). 3. Choose Find a Doctor. 4. Select your product (PPO Select) from the drop down box. 5. Search for a provider by Name, Location, Distance, County or Zip Code. If you chose to search by Location, Distance, or County, select Advanced Search on the bottom of the page. 6. Under Provider Type, What Type of Doctor are you Looking for?, choose Specialist. Then under Choose a Specialty, select Ophthamology or Optometry. 7. If you search by County, you will create a customized directory that will be ed to you. GHP s Disease Management Programs GHP has designed several disease management programs to assist our members who live with chronic illnesses. We offer programs for members with: Asthma Chronic obstructive pulmonary disease (COPD) Congestive heart failure (CHF) Coronary artery disease (CAD) Diabetes To enroll in any of GHP s disease management programs, contact Member Services at the number on the back of your Member ID card and a representative will be happy to assist you. LivingWell Magazine As a GHP member, you receive our LivingWell magazine. This magazine contains timely information on maintaining a healthy lifestyle and other health care topics. If you need assistance, please call the Net Support Team toll-free at (866) The PPO Select product is underwritten by Coventry Health and Life Insurance Company.

10 Getting the Care You Need Specialty Care A specialist is a medical doctor (MD), doctor of osteopathy (DO), or other health care professional who is an expert in a specific branch of medicine, such as orthopedics, neurology, surgery, cardiology, endocrinology, etc. Specialists work closely with your primary physician (if applicable) to provide services that are appropriate to your health condition. Referrals for most specialists are not required; however, GHP requires prior authorization for certain services, including pain management and infertility services. If you see a specialist who does not participate in GHP s PPO Select provider network you could be responsible for the entire cost of the visit or will receive benefits at the out-of-network rates. For more information on specialty care, authorizations, etc., please consult your Certificate of Coverage. After-Hours Care If you develop an urgent health problem after office hours or on the weekend, you should call your provider. In the case of an emergency, please go to the nearest emergency department or call 911 immediately. All GHP PPO Select providers are committed to providing coverage for our members 24 hours a day. This means they are available through an answering service or an on-call provider to handle urgent situations. If your symptoms develop during office hours, please contact your primary provider to schedule an appointment. Emergency Care Medical emergencies are situations that place a person s life in jeopardy or threaten permanent impairment to bodily functions. They occur unexpectedly and are severe enough to cause a reasonable person to seek medical assistance regardless of the time of day or night. Whenever you require emergency treatment, immediately go to the nearest hospital emergency department for care or call 911. Emergency situations are further defined as the sudden and unexpected onset of a health condition that manifests itself by symptoms of sufficient severity that would lead a prudent lay person, possessing an average knowledge of health and medicine, to believe that immediate medical care is required, which may include, but shall not be limited to: 1. Placing the person s health in significant jeopardy 2. Serious impairment to a bodily function 3. Serious dysfunction of any bodily organ or part 4. Inadequately controlled pain 5. With respect to a pregnant woman who is having contractions: a) That there is inadequate time to affect a safe transfer to another hospital before delivery b) That transfer to another hospital may pose a threat to the health or safety of the woman or unborn child As a GHP member, you are covered for emergency treatment no matter where the emergency occurs in or out of GHP s service area or in a foreign country. GHP always covers the initial emergency. 8 The PPO Select product is underwritten by Coventry Health and Life Insurance Company.

11 Emergency health services received while you are outside of the service area are covered when the rules in your Certificate of Coverage are followed. If you receive emergency treatment at an out-of-network hospital, PPO Select members may either be moved to an in-network hospital or may use their outof-network benefits in order to continue receiving medical care out-of-network. Your out-of-pocket costs are higher at an out-of-network hospital. If you receive emergency treatment within your service area and are taken to an in-network hospital, you receive health services at the in-network level of benefits. If medically necessary follow-up care related to the initial medical emergency is required, you must use an in-network provider to be eligible for in-network benefits. As a PPO Select member, you may use your out-of-network benefits in order to continue receiving medical care out of network, but you will pay more out of pocket as defined in your Certificate of Coverage. If you are hospitalized while traveling in a foreign country, please be aware that most foreign hospitals and providers require full payment upon discharge. If this occurs, GHP reimburses your expenses upon receipt of proof of payment. In emergencies, GHP covers prescriptions written by out-of-network providers. However, you may have to submit your receipt to GHP for reimbursement if you do not use an in-network pharmacy. Urgent Care An urgent health problem is a situation resulting from an unforeseen illness or injury that requires medical attention to prevent serious deterioration of a person s health. Examples of conditions that are ordinarily not emergencies but may require urgent care are: Severe headaches Sudden joint swelling or pain Lacerations Puncture wounds If you are faced with urgent health problems, you should contact your provider prior to receiving urgent care. You may be required to make a copay for emergency department or urgent care services. The amount of your copay is listed on the front of your PPO Select Member ID card. If admitted to the hospital as an inpatient from the emergency department, this copay is waived. Getting the

12 Getting the Care You Need Inpatient and Outpatient Hospital Services If you need hospital services, your provider coordinates your inpatient admission or outpatient service with GHP. When you are hospitalized, a GHP registered nurse monitors your progress each day. When you re ready to go home, GHP s nurses work with your provider to arrange coverage for additional care in your home, if needed. Elective hospitalizations require prior authorization. A denial of coverage for services or penalty may be applied to claims submitted for elective hospitalizations that have not been prior authorized. See your Certificate of Coverage for details. Out-of-Network Care Your PPO Select plan includes out-of-network benefits. Limited benefits are paid when an out-ofnetwork provider is used. When you seek the services of out-of-network providers for covered services in non-emergencies, benefit payments to these out-ofnetwork providers are determined by GHP s out-ofnetwork rates. Your Certificate of Coverage determines your benefit payment. In-network providers agree to accept discounted payments for services with no additional cost to you other than copay, coinsurance and deductible amounts. When seeking care outof-network, you will pay more than the coinsurance amount defined in your Schedule of Benefits after 10

13 GHP has paid its required portion. Out-of-network providers may bill members for any amount up to the billed charge after GHP has paid its portion of the bill. You may obtain further information about the network status of providers and information about out-of-pocket expenses by calling Member Services at the number on the back of your Member ID card. Dependent Coverage You may decide to enroll family members who meet the dependent eligibility requirements as defined in your Certificate of Coverage. If your marital status changes or you become a parent or legal guardian, please notify your benefits administrator within 31 days of the event. Coverage guidelines for college-age students vary based on your Certificate of Coverage and/or your state of residence. Please review your Certificate of Coverage or ask your benefits administrator for more information. Preventive Health GHP encourages preventive health care in order to keep our members healthy. Taking care of yourself and your family before you get sick helps promote greater wellness. One way to stay healthy is to become aware of recommended immunizations and preventive screenings for adults and children. To help you do this, GHP has developed health maintenance guidelines for adults and children, based on recommendations from national medical associations and authorities. We encourage you to work closely with your provider to discuss and develop an appropriate health maintenance plan that meets your specific needs. If you would like to review our suggested preventive health guidelines, please visit or call Member Services at the number on the back of your Member ID card to request a printed copy. The PPO Select product is underwritten by Coventry Health and Life Insurance Company. My Online Services As a GHP member, you can visit our website, and register for My Online Services. My Online Services gives you private access to your personal health care and benefit information. For your safety, all personal information is protected. While online, you can: View and update personal information Request a new Member ID card Print a temporary Member ID card Access Coventry WellBeing Check authorization status View medical and pharmacy claims View a prescription report View your Explanations of Benefits (EOB) Research your medical questions through WebMD View average unit cost data Access the Hospital Quality Comparison tool Search our current Provider Directory Search our up-to-date formulary There is also information about: Our chronic disease management programs Your rights and responsibilities as a GHP member Your privacy rights under the Health Insurance Portability and Accountability Act (HIPAA) Our quality improvement and compliance efforts Information on patient safety Evaluation of new medical technology Women s Health and Cancer Rights Act of 1998 Getting the

14 Getting the Care You Need Women s Health GHP recommends that all women 17 and older have a yearly well woman exam. No referral is required for this exam, but it should be scheduled at a time when you believe you are healthy. This exam screens for diseases that are more easily treated when detected early. If appropriate, your provider will take a Pap smear and recommend a mammogram during this exam. Important Information for Mastectomy Patients Under the Women s Health and Cancer Rights Act (WHCRA): GHP provides the following benefits for members who choose breast reconstruction after a mastectomy: Reconstruction of the affected breast Surgery and reconstruction of the other breast to produce a symmetrical appearance Prostheses Treatment of physical complications at all stages of the mastectomy, including lymphedemas This coverage is provided in consultation with you and your provider. The coverage is subject to the same annual deductible and coinsurance provisions as those established for other plan benefits. Certain government-sponsored plans, church plans, TRICARE programs and Medicare-related programs are exempt from the requirements of the WHCRA. Behavioral Health, Chemical Dependency and Substance Abuse Services As a GHP member, you have 24-hour access to behavioral health, chemical dependency and substance abuse services. To access these services, call GHP s Behavioral Health Line at (877) We will put you in touch with a behavioral health professional who will evaluate your problem and help you identify the right resource for your needs. You should call GHP s Behavioral Health Line if you have any of the following symptoms: 1. Work, home or social problems relating to alcohol or other drugs 2. Depression, sadness, hopelessness, loss of interest, weeping, sleeplessness or loss of appetite that lasts for more than two weeks 3. Anxiety, panic, disabling fears, obsessions, compulsions or overwhelming stress 4. Eating disorders, such as anorexia or bulimia 5. Inability to cope with life and fulfill your responsibilities Lab Services From time to time, your provider may run lab tests. If your provider does not collect or draw specimens in the office, you should go to an in-network lab draw site for these services. 12

15 Appeals and Grievances If you are denied coverage for a health care service or benefit, you have the right to request an appeal review of that decision. This applies to services that require prior authorization (pre-service), or to claims for services that have been previously denied (postservice). You also have the right to request an urgent care appeal if the timeframe of the appeal could seriously jeopardize your life, health or your ability to regain maximum function. For more information on appeals and grievances, please call Member Services at the number on the back of your Member ID card or consult your Certificate of Coverage. Member Rights and Responsibilities While your provider s role is to keep you in the best health possible, GHP s role is to pay for the medically necessary health care listed in the Certificate of Coverage given to you upon enrollment. As a member of GHP, you have certain rights and responsibilities related to your health care. As a GHP member, you have the right to: Be involved with your provider in the decisionmaking process regarding your treatment. Request and receive information about your diagnosis and treatment from your provider. Request and receive information from GHP about your coverage. Receive coverage for the medically necessary care included in your Certificate of Coverage. Receive information concerning the identities and office locations of in-network providers. Be treated with respect and dignity, including the right to have information about your illness and treatment handled confidentially. Have any concerns addressed in a fair and prompt manner in accordance with GHP s inquiry and grievance procedure. Participate in the decision-making process through GHP s Member Advisory Committee. File an appeal or grievance with GHP. As a GHP member, you are responsible for: Following your providers medical treatment plan, recommendations, and instructions to the extent you are able and informing them when you are unable to do so. Contacting your provider for the provision of covered services except in an emergency. Establishing and maintaining a doctor-patient relationship with your provider. Providing information to and cooperating with providers so you can be treated. Keeping appointments for care or calling providers as soon as you know you cannot keep an appointment. Maintaining your health and being a wise consumer of health care services. Reading all materials you receive from GHP and calling the Member Service Department if you have any questions or concerns related to your coverage. Informing GHP of any change in your name, address, telephone number and other insurance coverage. Fully cooperating with GHP s representatives as appropriate to permit them to do their jobs or as otherwise required by your Certificate of Coverage. You have the right to get certain information about GHP, including information about our financial condition, how we compensate our plan providers and our enrollment/disenrollment information. Please contact Member Services to request this information. Getting the The PPO Select product is underwritten by Coventry Health and Life Insurance Company.

16 Important Information about Your Pharmacy Coverage Your PPO Select plan design includes GHP s pharmacy benefit: You may have your prescriptions filled at any GHP in-network pharmacy, including many leading national chains. Our pharmacy network includes local and national pharmacies throughout the United States. To view the most recent listing of in-network pharmacies, please visit our website ( GHP s Formulary GHP s in-network providers prescribe medication for you based on your medical needs and should consider the drugs listed in your drug formulary. A drug formulary is a list of drugs covered under your pharmacy benefit. Drugs on GHP s formulary are of the highest quality and efficacy. Our committee of physicians and pharmacists stay current on the newest nationwide developments in medicine, comparing each drug s safety, side effects and effectiveness. We periodically update our formulary based on the latest medical research. You can view GHP s formulary online. Go to click on the Health Care Solutions tab and select Formulary under Prescription Coverage. 14

17 Mandatory Generic Policy In most cases, GHP s benefits cover FDAapproved generic drugs when available. We strongly recommend the use of generic medications when medically appropriate. The active ingredients of generic medications are the same as the brandname products. The difference between brand-name and generic medication is the price. Brand-name medications are more expensive. If you choose a brand-name drug when a generic is available, you will pay a higher copay. For more information about your drug coverage, please refer to the pharmacy rider of your benefit plan. Prior Authorization Some drugs require prior authorization before GHP covers their costs. These medications include those that are not suggested for first-line therapy, may require special tests before starting them or have very limited approval for use. Drugs requiring prior authorization can be found on our website. Go to click on the Health Care Solutions tab and select Prescription Documents under Prescription Coverage. If you are currently taking a medication that requires prior authorization from GHP, please contact your provider. Quantity Limits Many commonly used drugs have quantity limits placed on them. We use quantity limits to ensure our members do not get prescriptions in excess of recommended limits. Examples include FDAapproved drugs to be taken once daily and those with a total dose available in one pill. Other drugs with quantity limits have the potential to be abused or misused. Some need to be reviewed by your provider before they can be automatically refilled. This way you can be sure you are not taking too much of the medicine, which could endanger your health. In some cases, members get prescriptions from more than one provider. Unless otherwise stated, our quantity limit is a 31-day supply or 100 tablets (units), whichever is less. Mail Order Pharmacy Your pharmacy benefit includes the convenience of a mail order prescription service for ordering longterm medications. If you are on any maintenance medications, you can have them filled through our mail order pharmacy for a lower price. As benefits vary, please review your pharmacy summary enclosed in this packet. Your medication is delivered to your house within days at no additional charge. The mail order prescription benefit applies only to maintenance medications such as those prescribed to control a chronic state such as hypertension, diabetes or hypothyroidism. You may access your mail order benefit through our pharmacy vendor by calling (800) or visiting our website ( 90-Day Pharmacies A 90-day supply of maintenance medication also may be obtained from one of our in-network 90-day pharmacies. This service is available only in GHP s service areas in Missouri and Illinois. Visit to find a 90-day pharmacy near you. The PPO Select product is underwritten by Coventry Health and Life Insurance Company.

18 Congratulations Your employer has offered you the opportunity to become a member of Group Health Plan (GHP), a Coventry Health Care Plan. We look forward to providing quality health care coverage and excellent service to you and your family. At GHP, our goal is to make sure you understand how your coverage works and how you can get the most out of your health plan. This Member Handbook is an overview of your health plan. It is not a legal document. For full benefit information, you may: Refer to your Certificate of Coverage. Contact GHP s Member Services at the number on the back of your Member ID card. Visit our website ( We recommend that you keep this handbook in a safe place and refer to it whenever you have any questions about your coverage. GHP and your employer have worked closely to find a health plan product that gives you the affordable coverage you need. We encourage you to review this handbook carefully. It will help you to understand the basics of your PPO Select plan. 16 The PPO Select product is underwritten by Coventry Health and Life Insurance Company.

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20 GHP (11/09) 550 Maryville Centre Drive, Suite 300 St. Louis, Missouri