- Both Personal Choice and Keystone offer a nutrition counseling benefit. Up to six (6) visits per calendar year at no cost to the employee as long as you see an in-network provider. To find a provider, go to www.ibx.com and register for an account. To search for a provider, enter the provider’s name or specialty (example: registered dietitian) or simply click the search button and begin your search. When you are logged in as a member your results are tailored to your specific network.
- Confused by the term ‘out-of-network’ (OON) and wondering exactly what an OON benefit will pay? If you see that the plan pays a 70% OON benefit with a $500 annual deductible, the visits to this OON doctor are paid only by you until you’ve paid the full $500 deductible.
After you’ve paid the first $500, the next $100 would be reimbursed in part, like this:
Your Plan pays 70% OON of ‘reasonable and customary charges’. So maybe the Plan says for this doctor, R&C charge is $60, even if you were charged more by the doctor. 70% of $60 = $42. You get a check for $42. For every visit during the benefit year, after you pay the first $500, you get reimbursed 70% of what the Plan determines is reasonable and customary.