Welcome to Anthem Our goal is to have the healthiest members in the world
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1 Welcome to Anthem Our goal is to have the healthiest members in the world We are one of the nation s largest health insurers, backed by the security of Blue Cross and Blue Shield. We ve been in business for over 80 years, connecting our members to effective, accessible health care and one of the largest networks of doctors and hospitals in America 1
2 What s new for 2016 Two High Deductible Health Plans (HDHP) to choose from. Both HDHP Plans are HSA compatible plans Today we are only going to cover the HDHP plans and how they work with an HSA account. 2
3 Choosing your health plan 3
4 It s good to have options Your health care needs are unique. That s why you have a choice of health plans that vary by premium, deductible and coinsurance so you can find the fit that s just right. All plans include: Access to one of the nation s largest networks of doctors Free preventive care, like annual checkups and vaccinations Health and wellness tools that help you get the most out of your plan 4
5 Comparing HDHP plans Medical Plans HDHP Plan B HDHP Plan A In-Network Out-of-Network In-Network Out-of-Network Deductible Office Visits Employee $2,000 $4,000 $1,500 $3,000 Employee + Family $4,000 $8,000 $3,000 $6,000 Doctor You pay 30% You pay 50% You pay 20% Yu pay 50% Specialist You pay 30% You pay 50% You pay 20% You pay 505 Coinsurance You pay 30% You pay 50% You pay 20% You pay 20% Employee $5,000 $10,000 $3,000 $6,000 Out-of-pocket limit Employee + Family $10,000 $20,000 $6,000 $12,000 Retail You pay 30% You pay 50% You pay 20% You pay 50% Prescription Drugs Home Delivery You pay 30% You pay 50% You pay 20% You pay 50% Preventive Care You pay 0% You pay 0% You pay 0% You pay 0% 5
6 How your HDHP works 1. You pay your annual deductible* 2. After you meet your deductible, you and your plan will share the cost of covered services this is called coinsurance.* 3. The plan will pay all medical costs when you reach your ot of pocket limit for in-network services. That s the most you ll pay for covered health services each plan year. *You can use the money in your HSA account to pay for your part of these expenses deductible or coinsurance. 6
7 Your HSA plan 7
8 HDHP Plan Carol s HDHP plan $3,050 annual contribution Expenses HDHP balance Ob/Gyn visit and lab tests FREE $3,050 Prescription drugs $150 $2,900 HDHP ROLLOVER TO NEXT YEAR $2,900 8
9 HDHP Plan The Wilson family s HDHP plan $2,200 annual contribution Expenses HDHP balance Preventive visits and lab tests FREE $2,200 Physical therapy $800 $1,400 Prescription drugs $200 $1,200 HDHP ROLLOVER TO NEXT YEAR $1,200 9
10 Using your health plan 10 10
11 We make it easy to make smart choices Search for providers Check your claims Estimate your costs Review your medical benefits View your ID card Refill a prescription 11 11
12 Separate the needles from the haystack Find A Doctor Look up a doctor, pharmacy or urgent care center View doctor profile and read patient reviews Get directions to health care facilities 12 12
13 Estimate your costs Compare costs for common medical procedures and diagnostic services Find a list of facilities that take your insurance and perform the procedure you need You May Pay $500 Medical Plan may pay $2500 Review quality of care ratings and compare doctors side by side 13 13
14 LiveHealth Online. See a doctor 24/7 with LiveHealth Online Meet with a doctor via video, chat or phone Choice of credentialed providers Accessibility anytime, anywhere No appointments or waiting rooms 14 14
15 co-branding logo here Tips and tools 15 15
16 Tips and tools Go to urgent care centers instead of emergency rooms Save with a <$X> Urgent Care copay versus the <$X> copay at the ER Use in-network doctors Save with a lower deductible and coinsurance Pre-certify hospital services (PPO plans) Call to pre-certify services to avoid the <$X> admission deductible Use the Estimate Your Cost tool Find cost ranges for services and quality reviews for doctors Save money Get discounts on health-related products and services 16 16
17 Stay connected Become a member of our Facebook group: Health. Join in. Follow us on Sign up for a weekly health-related text message 17 17
18 We re here when you need us Get answers and information 24/7 online. Call :00 am to 7:00 pm EST 9:00 am to 8:00 pm CT or visit anthem.com 18 18
19 Connecting you to better health 19 19
20 Anthem Blue Cross and Blue Shield is the trade name of: In Colorado and Nevada: Rocky Mountain Hospital and Medical Service, Inc. In Connecticut: Anthem Health Plans, Inc. In Indiana: Anthem Insurance Companies, Inc. In Kentucky: Anthem Health Plans of Kentucky, Inc. In Maine: Anthem Health Plans of Maine, Inc. In Missouri (excluding 30 counties in the Kansas City area): RightCHOICE Managed Care,Inc. (RIT), Healthy Alliance Life Insurance Company (HALIC), and HMO Missouri, Inc. RIT and certain affiliates administer non- HMO benefits underwritten byhalic and HMO benefits underwritten by HMO Missouri, Inc. RIT and certain affiliates only provide administrative services for self-funded plans and do not underwrite benefits. In New Hampshire: Anthem Health Plans of New Hampshire, Inc. In Ohio: Community Insurance Company. In Virginia (excluding the City of Fairfax, the Town of Vienna and the area east of State Route 123.): Anthem Health Plans of Virginia, Inc. In Wisconsin: Blue Cross Blue Shield of Wisconsin ( BCBSWi ), which underwrites or administers the PPO and indemnity policies; Compcare Health Services Insurance Corporation ( Compcare ), which underwrites or administers the HMO policies; and Compcare and BCBSWi collectively, which underwrite or administer the POS policies. Anthem Blue Cross is the trade name of Blue Cross of California. ANTHEM is a registered trademark of Anthem Insurance Companies, Inc. Blue Cross and Blue Shield ofgeorgia, Inc., is an independent licensee of the Blue Cross and Blue ShieldAssociation. Services provided by Empire HealthChoice HMO, Inc. and/or Empire HealthChoice Assurance, Inc. The Blue Cross and Blue Shield names and symbols are registered marks of the Blue Cross and Blue Shield Association. Independent licensees of the Blue Cross and Blue Shield Association
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