For groups of 1-50 employees
Enjoy the peace of mind that comes from Capital Advantage PPO—a health plan accepted by most doctors and hospitals with extra savings when employees get care from certain healthcare providers. Employees can easily locate both Choice 1 and Choice 2 providers using MyCare Finder at CapitalBlueCross.com.
$ Choice 1 providers result in the lowest out-of-pocket costs for employees:
UPMC Central PA's robust provider network is the anchor of our Choice 1 option. For the lowest cost share, employees can select providers from among UPMC Central PA's many settings and Specialties.
$$ Choice 2 providers result in higher out-of-pocket costs for employees:
Employees have the freedom to select any provider in our PPO network. Many providers from local health systems - including Penn State Health, WellSpan Health and Out-of-area BlueCard providers - are available with Choice 2.
$$$ Out-of-Network providers result in the highest out-of-pocket costs for employees.
D/$ = Deductible applies first, then a copay.
2026 plans
| Plan |
Deductible |
Coinsurance |
Out-of-pocket max |
PCP |
Specialist |
Emergency room |
| Gold Capital Advantage PPO 1000/0/201 |
C1 - $1,000
C2 - $2,000
|
C1 – 0%
C2 – 20%
|
$9,200 |
C1 - $20
C2 - $40
|
C1 - $40
C2 - $60
|
D/$250 |
| Silver QHDHP Capital Advantage PPO 2750/0/152 |
C1 - $2,750
C2 - $5,500
|
C1 – 0%
C2 – 20%
|
$7,500 |
C1 - D/$15
C2 - D/$30
|
C1 - D/$30
C2 - D/$45
|
D/$350 |
| Silver Capital Advantage PPO 4500/0/301 |
C1 - $4,500
C2 - $9,000
|
C1 – 0%
C2 – 20%
|
$9,800 |
C1 - $30
C2 - $60
|
C1 - $60
C2 - $80
|
D/$350 |
