Medical

The plans provides you with options to save health care dollars, such as mail order prescription drugs, wellness programs and a discounted vision program. An important feature is the preventive care services are covered at 100% in-network. In other words, when using in-network providers, benefits for preventive care services are provided at no cost. This makes it easier to maintain your family’s health by taking advantage of preventive care services such as immunizations, check-ups and screenings. Please see the plan certificate for the complete list of preventive services.

The plans offer two levels of benefits: in-network and out-of-network. When you seek care in-network, simply select a provider who is on the Anthem network list—you do not have to go through a primary care physician first. When you use network providers, you receive higher benefit coverage (less out-of-pocket). Plus, network doctors have agreed to charge lower rates—this saves you and the plan money. Simply show your medical I.D. card when receiving in-network benefits so you don’t have to file any claim forms. The Anthem network offers a broad network of providers, giving you access to most major hospitals in the country.

If you select a provider not in the network, services will be covered by the plan but at a lower benefits level (more out-of-pocket). While you get the flexibility of seeing the provider of your choice, the provider will likely charge more for services and you must complete a claim form for reimbursement. Both in-network and out-of-network benefits are subject to out-of-pocket limitations.

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.