Save money with LP plans

Pay lower out-of-pocket costs for select services.

How LP plans help you save money

With LP plans, you can pay lower out-of-pocket costs when you get laboratory services or outpatient surgery from LP providers. The deductible will not apply; you’ll have no charge for lab tests (except for genetic testing) and pay a copayment (typically lower than a deductible) for outpatient surgery.

Example: Imagine you need outpatient surgery.

• If you go to an LP provider, your care will be covered with a copayment.*
• If you do not go to an LP provider, the deductible (and other cost sharing, depending on your plan) will apply. This means you’ll pay the provider’s bill for the procedure, up to your plan’s deductible amount.

Find LP providers

Look up providers for the LP plan you’re considering. Open Access plans and PPO plans do not require a referral from your primary care provider or specialist; all others do. LP providers are shown as “Low-Cost Providers” in the provider directories.

HMO – LP or HMO – LP Open Access

NetOption – LP HMO

POS Open Access – LP

PPO – LP

Depending on your plan,* you may also pay lower cost sharing when you visit providers that are not affiliated with hospitals for:

 - MRI, CT/CAT and PET scans

 - Physical, speech and occupational therapy

The deductible will not apply, and you will pay either a copayment or coinsurance.

How to find LP and non-hospital affiliated providers (.pdf)

*Different member cost sharing may apply. Check your Schedule of Benefits for details. The Schedule of Benefits governs in the event that the information in this document is different.