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Anthem Medical Plans

What Do I Need to Know to Enroll?

Choose a Heath Care plan for you and any dependents.

Enter your choice in MyVeritasBenefits during your benefits enrollment event.

Veritas offers two medical plans with Anthem: Anthem Health Savings Account (HSA) and Anthem Preferred Provider Organization (PPO) Plan.

Medical Plan Benefits

In addition to Wellness Programs, Preventive Care, and Behavioral Health, both Anthem plans offer the following benefits. Infertility coverage is offered in the Anthem HSA Plan only:

  • Prescription Drug Coverage through WellDyne
  • Infertility Coverage (Anthem HSA only)
  • LiveHealth Online - phone or web-based doctor visit
  • Autism Coverage
  • Gender Reassignment
  • Voluntary surgical benefit through SurgeryPlus

Employee Cost Per Pay Period 2019 Comparison

Medical Plan Employee Employee + Spouse/DP Employee + Child(ren) Employee + Family
Anthem HSA

$27.50

$116.50

$75.00

$198.00

Anthem PPO

$49.50

$179.50

$140.50

$294.50

  Anthem Group Number - 174228
  Domestic Partner Imputed Income Rates

Anthem High-Deductible Health Plan with a Health Savings Account

The Anthem High-Deductible Health Plan (HDHP) with a Health Savings Account (HSA) offers a different approach to how you pay for your health care. There are two separate components of this plan that interact with each other; the health plan and the bank account.


Anthem High-Deductible Health Plan

Veritas offers a qualified HDHP which utilizes the Anthem network of doctors, facilities and hospitals. This plan is designed so that there are no first dollar benefits like copayments prior to you meeting your annual deductible. All coverage (except in-network annual preventative care), including coverage for prescriptions, is subject to the annual deductible.

Copayments and coinsurance apply AFTER your deductible is met. You pay the Anthem negotiated rate for services such as office visits, lab work, tests, prescriptions, etc. until you meet your deductible. Once your deductible is met, then the applicable coinsurance or copayment will apply.

In-network annual preventative care is covered 100% by the Anthem plan.

The Health Savings Account with HealthEquity

The qualified HDHP plan allows you to open an HSA with HealthEquity. You can put money into this account on a pre-tax basis to use when paying for qualified medical, dental and vision expenses. Veritas will also make a cash deposit to your HSA. If you’re hired prior to July 1 you will receive 50% of the annual contribution the month following your hire date and the other 50% on July 15. If you’re hired on or after July 1, you will only receive 50% of the annual contribution in the month following your hire date.

See the chart below for the amount Veritas contributes annually based on your coverage tier:

 

Coverage Level Veritas Funds Annually
Employee

$750

Employee & Spouse/DP

$1,500

Employee & Child(ren)

$1,500

Employee & Family

$2,250



You own the HSA account and all of the money deposited into it is yours to keep. The money is available in your account as soon as it is deposited, just like your checking account. You will receive a debit card to use on qualified medical, dental and vision expenses. Any unused funds will roll over from year-to-year. An HSA allows you to build long term savings for future medical, dental and vision expenses. Additional information about the HSA can be found on the Veritas Health Equity site.

How the Plan and Account Work Together

When you seek services, such as a doctor visit or pick up a prescription, you will present your Anthem medical ID card. The provider or pharmacy will be able to verify your coverage in the Anthem or WellDyne system. If you have not met your deductible, you will pay the negotiated rate for the service or prescription. If you have money in your HSA account, you can use the HSA debit card to pay for the service or prescription.

Anthem HSA Plan Covered Services

For details about services covered under the Anthem HSA Plan, including Behavioral Health benefits, refer to the Plan Comparison Chart (pdf).

Anthem PPO Plan

The Anthem Preferred Provider Organization (PPO) Plan provides comprehensive medical coverage with the freedom to choose any doctor or hospital at any time.

How the Anthem PPO Plan works

  • You can see any provider you choose. While you have the option to seek medical services out-of-network, you'll pay less out-of-pocket and you won't have to file claim forms when you use network providers.
  • You must meet a deductible before the Plan pays benefits. Note: The Anthem PPO Plan does not have a Health Savings Account.
  • When you seek in-network preventive care, your expenses are covered at 100%.
  • When you visit providers, you will have co-insurance: the plan pays 85% in-network charges, 60% out-of-network Reasonable & Customary charges.
  • When you reach the annual out-of-pocket maximum, the Plan pays 100%.
  • The PPO deductible and OOP maximum are "aggregate"
    • After each family member meets his/her individual deductible, the plan will pay his/her claims, less any co-insurance amount.
    • After the family deductible has been met, each individual's claims will be paid by the plan, less any co-insurance amount.

Anthem PPO Plan Covered Services

For details about services covered under the Anthem PPO Plan, including Behavioral Health benefits, refer to the Plan Comparison Chart (pdf).

 
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