Here's how you get level 2 cost share:

  • You don't choose a primary care doctor
  • Or, you choose a primary care doctor not in a Level 1 OSC
  • Or, you choose a primary care doctor in a Level 1 OSC, but see providers outside that OSC without a referral

If you don't select a primary care doctor in a level 1 OSC or if you select one in a level 2 OSC, you won't need a referral to see other doctors in the PPO network.

This cost share level has higher out-of-pocket costs.