Page 5 - Future Steps
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Medical and Prescription Drug
VER partners with Anthem BlueCross BlueShield to administer the
medical and prescription drug programs. Anthem’s network offers access
to a wide range of in-network providers and signiicant discounts on
services, which helps lower the cost of healthcare for you and your family.
Through Anthem, you have access to extensive online resources such as
care comparison tools and health and wellness information.
Employees will have the opportunity to review and select between
multiple plan designs. Details of each plan offering are included in the
following pages. Review your options carefully to determine which option
works best for you and your family.
How the Plans Work
HMO
A health maintenance organization (HMO), is a type of health insurance
plan which limits coverage to care from doctors who contract with
the HMO. HMOs generally do not cover out-of-network care except
in an emergency. In an HMO plan, you must designate a primary care
physician (PCP) when you enroll. All services must be obtained through,
or authorized by, your PCP in order to receive full plan beneits, except in
an emergency. Specialist referrals must be coordinated through your PCP.
The HMO does not require an annual deductible. The HMO plan is
available to California residents only.
Exclusive Classic—PPO
A preferred provider organization (PPO), is a national network of
physicians and hospitals who have agreed to a discounted payment
schedule. The PPO plan allows for more lexibility, but also more
responsibility on your part. You are not required to select a PCP in
this plan; instead, select a doctor of your choice. You may also access
specialist care directly; no referrals are required for specialist care. When
you utilize network doctors, you will receive a higher beneit level.
Coverage is available for providers not in the network; however, you will
have higher out-of-pocket costs.
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VER partners with Anthem BlueCross BlueShield to administer the
medical and prescription drug programs. Anthem’s network offers access
to a wide range of in-network providers and signiicant discounts on
services, which helps lower the cost of healthcare for you and your family.
Through Anthem, you have access to extensive online resources such as
care comparison tools and health and wellness information.
Employees will have the opportunity to review and select between
multiple plan designs. Details of each plan offering are included in the
following pages. Review your options carefully to determine which option
works best for you and your family.
How the Plans Work
HMO
A health maintenance organization (HMO), is a type of health insurance
plan which limits coverage to care from doctors who contract with
the HMO. HMOs generally do not cover out-of-network care except
in an emergency. In an HMO plan, you must designate a primary care
physician (PCP) when you enroll. All services must be obtained through,
or authorized by, your PCP in order to receive full plan beneits, except in
an emergency. Specialist referrals must be coordinated through your PCP.
The HMO does not require an annual deductible. The HMO plan is
available to California residents only.
Exclusive Classic—PPO
A preferred provider organization (PPO), is a national network of
physicians and hospitals who have agreed to a discounted payment
schedule. The PPO plan allows for more lexibility, but also more
responsibility on your part. You are not required to select a PCP in
this plan; instead, select a doctor of your choice. You may also access
specialist care directly; no referrals are required for specialist care. When
you utilize network doctors, you will receive a higher beneit level.
Coverage is available for providers not in the network; however, you will
have higher out-of-pocket costs.
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