How to use your health plan

Welcome to Sierra Health and Life. We're glad you're here. 

As a member, you either have a Preferred Provider Organization (PPO) plan or a high deductible Health Savings Account (HSA) compatible PPO plan. What's the difference between the two plans? Let's take a closer look.

PPO plan explained.

Enjoy the freedom and flexibility of a PPO plan. As a member, your health plan covers nearly all of your medical expenses as long as you stay within our preferred network of doctors, urgent cares and hospitals. Treatment outside of our network is covered but only at a reduced rate. The greatest advantages of the PPO plan are:

  • Larger network of providers and specialists
  • Lower out-of-pocket costs for in-network health care services
  • Allows you to see a specialist without a referral

HSA PPO plan explained.

Rest easy knowing you're covered in case of a medical emergency. The appeal of this type of PPO plan is the low premium paired with a wide range of coverage solutions in the event of a catastrophe. 

The basics of an HSA PPO plan are simple. In exchange for a low premium, insurance doesn’t kick in until you meet your deductible – often $3,000 or more. Your plan also includes prescription coverage in the core, making it easier for you to reach your deductible.

In addition, the money you save on insurance contributions can be placed into a tax-free health savings account and used for qualified medical expenses. All of the money in the account is yours. If you change jobs, the money goes with you. It's completely portable.

Make the most of your health care dollar.

Save money when you stay within our network. If you see a doctor outside of our network, it will cost you more. Ask your doctor to use a network lab for any tests or diagnostic imaging services, such as X-rays, MRIs and CT scans.