Page 17 - Skechers 2022 Benefits Guide

IT ALL ADDS UP TO THE RIGHT PLAN
Choosing the right plan and using it to your advantage takes a little time and energy, but what you might save in time and money will be well worth it.
Review this section carefully.
You can also find more information about the plans by reviewing each carrier’s materials and information located in the Reference Center. (See “More Info” section.)
Check the online provider directories before you enroll. Make sure your doctors and other providers and facilities are in your plan’s network.
Use in-network providers whenever possible.
You will always pay less out of your pocket when you use in-network providers.
Learn how the prescription drug coverage works.
If you or your covered dependents take prescription drugs, be sure you understand how the plan works and how your medications are covered.
TAKE THESE STEPS
1. Evaluate your health care needs for yourself and each covered dependent. Look back to see what you spent over the last year and forward to estimate what you think you’ll spend next year.
2. Review the plan comparison chart and calculate what your health care may cost you for each of the plans you are considering.
3. Add in your contributions for each option to determine your total cost. Remember, the plan with the lowest deductible or the lowest contributions may not be the lowest overall cost option.
CONSIDER THESE POINTS
• No primary care physician (PCP)
or referrals required by any of these Anthem plans.
• Preventive care is covered 100% in-network.
• Do the math and choose the plan that’s best for you.
Preventive care is 100% Covered!
PAY NOTHING FOR PREVENTIVE CARE
In-network preventive care —
like annual physicals, wellness screenings, immunizations and well-baby care — 100% covered and is not subject to the deductible or coinsurance. Regular preventive care can also help your doctor find health issues before they become more serious — and more expensive to treat.
IN-NETWORK ADVANTAGE
PPO Plans allow you to use in-
or out-of-network health care providers of your choice. When you use an in-network provider, the percentage you pay out-of- pocket will be based on a negotiated fee, which is usually lower than the actual charges.
If you use a provider who is outside the network, you may
be responsible for paying the difference between the reasonable and customary (R&C) charges and what the provider charges.
For non-emergency sickness or injury, visit the Urgent Care instead of the Emergency Room to reduce your out-of-pocket cost.
2022 BENEFITS 17