PCHP Plan Designs
Piedmont Community Health Plan offers a variety of plan options to employer groups. There are numerous options with varying deductible amounts, co-payments, out-of-pocket maximums and coverage types. There are also different funding arrangements depending on the size of the group.
Piedmont Community Health Plan is able to offer larger employers who are self-insured customized benefit designs that satisfy employee medical needs and help save on medical spending through our favorable network agreements. Benefit plan designs can be tailored to meet the specific needs of employers and their employees. Our self-insured arrangement can also offer a cost sharing incentive between the employer and the medical community. If claims costs are below or over a set target claims amount, the savings or additional costs can be shared equally under such cost sharing arrangements.
Fully Insured Plans
Piedmont Community Health Plan offers its fully insured plans through a wholly-owned licensed insurance company, Piedmont Community HealthCare, Inc. The fully insured products are known as LocalSelect™ and utilize the same network, claims processing unit, management and staff as Piedmont Community Health Plan.
With our fully insured products, employers can select from a variety of LocalSelect product options and are responsible for a monthly premium amount. Both Point of Service (POS) and Preferred Provider Organization (PPO) products are available.
Point of Service (POS) Products
POS products offer a cost savings advantage through the use of a Primary Care Physician (PCP). Each member selects a PCP from the Piedmont network from whom they receive services and obtain referrals when other services are needed.
Preferred Provider Organization (PPO) Products
PPO or “open access” products allow members to utilize any participating physicians without a referral. However, pre-certification is required for all facility related services.
LocalSelect POS and PPO product designs offer both in and out-of-network benefits.
If you have any questions, please contact our customer service representatives at 434-947-4463, or toll free at 1-800-400-7247, and choose option 1. With LocalSelect, we look forward to continuing to provide you and your family with the best value and service in healthcare and wellness.
- Point of Service (POS) Plans
- Preferred Provider Organization (PPO) Plans
- Federal Employees Health Benefits (FEHB) Program
Piedmont also offers a value added plan to members of the Bedford Area Chamber of Commerce. If you are a member click on the below link to obtain more information about this offering.