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Q: What provider networks are available to me?

A: The Blue Cross Blue Shield (BCBS) PPO Network provides nationwide access to healthcare services for all MCTWF medical plan participants (both active and retiree). Virtually all BCBS plans maintain a “Traditional” network, as well as a PPO network in which most Traditional providers also participate. To receive in-network level medical benefits you must use a BCBS PPO Network provider unless you qualify for a non-access exemption, or unless you use a provider to whom you are referred by a BCBS PPO Network provider. If you use a BCBS Traditional Network provider or MultiPlan Network provider, your benefits will be subject to out-of-network limitations, but because those providers' allowable charges are fixed by contract, you will have no balance billing exposure. If you receive services from a provider outside of the networks, you will be responsible for balance billed amounts over and above the applicable deductible, coinsurance and copayment. MCTWF's pharmacy network is administered by Caremark. Mental Health and Substance Abuse services are available to all participants through the ValueOptions Network. For ValueOptions' 24-hour emergency assistance and network referrals, call 800-457-8540.

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