First, you need to choose a primary care doctor in a level 1 OSC. You can search for a level 1 primary care doctor using Find a Doctor.

Then, you can either:

  • Get care from doctors and hospitals in that Level 1 OSC.
  • Or, get care from doctors and hospitals in the PPO network outside that Level 1 OSC, with a referral from your primary care doctor.

When you get care that qualifies as level 1 cost share, you'll pay the lowest out-of-pocket costs.