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  Medical

Many employees don’t understand what their medical insurance covers.

We’re here to help you understand your benefits and make the best choices for you and your family.

The Company is pleased to offer three medical plans.

Harris Product Group’s medical plan offers great flexibility in managing care for you and your family. As part of your benefits package, Harris gives employees the option of choosing from two different medical plans with a 3rd option, Anthem 2000, available to the FTP Worksites only.  These plans are administered through Anthem, a provider of exceptional healthcare services.  

Once enrolled, you may visit Anthem’s website at www.anthem.com to access claims payments, physician directories, ID cards, and to inquire about eligibility. Eligible employees may elect to cover a spouse or a dependent up to age 26.

For anyone enrolling a spouse in our medical plan, there is a monthly surcharge for a working spouse who is eligible for coverage through their employer.

Medical Plan Summary
  Anthem-High Deductible Plan with an HSA Anthem – High Deductible Plan with an HRA
FEATURE In-Network Out-of-Network Out-of-Network Out-of-Network
Deductible
 $4,000 Individual
$8,000 Family		 $7,500 Individual
$15,000 Family		 $4,000 Individual
$8,000 Family		 $7,500 Individual
$15,000 Family
Harris HSA/HRA Funding $750 Individual
$1,250 Family		 $750 Individual
$1,250 Family		 $750 Individual
$1,250 Family		 $750 Individual
$1,250 Family
Out-of-Pocket Maximum
 $6,350 Individual
$12,700 Family		 $11,000 Individual
$22,000 Family		 $6,350 Individual
$12,700 Family		 $11,000 Individual
$22,000 Family
         
Primary Physician Visit Deductible then
covered at 100%		 Deductible then
covered at 70%		 Deductible then
covered at 100%		 Deductible then
covered at 70%
Specialist Physician Visit Deductible then
covered at 100%		 Deductible then
covered at 70%		 Deductible then
covered at 100%		 Deductible then
covered at 70%
Inpatient & Outpatient
Hospitalization		 Deductible then
covered at 100%		 Deductible then
covered at 70%		 Deductible then
covered at 100%		 Deductible then
covered at 70%
Preventive Care Services 100% Covered Deductible then
covered at 70%		 100% Covered Deductible then
covered at 70%
Urgent Care Deductible then
covered at 100%		 Deductible then
covered at 70%		 Deductible then
covered at 100%		 Deductible then
covered at 70%
Emergency Room Deductible then
covered at 100%		 Deductible then
covered at 70%		 Deductible then
covered at 100%		 Deductible then
covered at 70%
Prescription Drug        
Tier I $10 Copayment
after Deductible		 Deductible then
covered at 70%		 No Deductible
$10 Copayment		 Deductible then
covered at 70%
Tier II $35 Copayment
after Deductible		 Deductible then
covered at 70%		 No Deductible
$35 Copayment		 Deductible then
covered at 70%
Tier III $60 Copayment
after Deductible		 Deductible then
covered at 70%		 No Deductible
$60 Copayment		 Deductible then
covered at 70%
Anthem 2000 Medical Plan Summary – FTP Worksites Only
Anthem Harris 2000 (Amounts You Pay)
Services In-Network Out-of-Network**
Deductible $2,000 Individual $4,000 Family $2,000 Individual $4,000 Family
  Embedded Deductible
Out-of-Pocket Maximum $4,000 Individual $8,000 Family $8,000 Individual $16,000 Family
Primary Physician Visit $25 copay 40%
Specialist Physician Visit $35 copay 40%
Spinal Manipulation $35 copay
up to 12 visits per year		 40%
Speech & Physical Therapy $35 copay
60 visits/yr for Physical Therapy
20 visits/yr for Speech Therapy		 40%
Inpatient & Outpatient Hospitalization 20% 40%
Surgical 20% 40%
Diagnostic 20% 40%
Preventive Care Services Covered in Full 40%
Emergency Room $200 copay waived if admitted $200 copay waived if admitted
Urgent Care $35 copay 40%
Retail Clinics $25 copay 40%
LiveHealth Online $25 copay Not Available
Prescription Drug Program
Tier I $10 Generic
30% Preferred Brand maximum $100
50% Non-Preferred maximum $200		 Not Available
Tier II $20 Generic
30% Preferred Brand maximum $100
50% Non-Preferred maximum $200		 Not Available
Tier III 50% Non-Preferred maximum $400 Not Available

ALL “PER YEAR” LIMITS ARE BASED ON A CALENDAR YEAR.
**Out-of-Network benefits are paid to usual, reasonable and customary limits.

2024 Harris SBC
HDHP HSA Plan
2024 Harris SBC
HDHP HRA Plan
2024 Harris Anthem
2000 SBC FTP ONLY
2025 Harris SBC
HDHP HSA Plan
2025 Harris SBC
HDHP HRA Plan
2025 Harris Anthem
2000 SBC FTP ONLY

Additional Documents & Resources

Harris HDHP HSA Plan SPD
Harris HDHP HRA Plan SPD
Harris PPO $2000 Plan SPD
CVS - Prescription Reimbursement Claim Form
Advanced Control Formulary
HDHP Preventive Drug List
Machine Readable File Information (July 1st)
Employee Benefits Portal