Page 23 - 2017 Employee Benefit Highlights

Get more value from your 2017 plans
Ways to save

A few key points to help you get the most value out of your coverage:

Use the emergency room ONLY for emergencies Generic vs. brand name prescription drugs
You may want to consider the following the next time you need Buying a generic version of your prescription will be a big savings.
medical care: Help your doctor help you. Share a copy of your prescription
• For a true emergency: In a true medical emergency – such formulary with him or her. Your doctor has no way of knowing
as an apparent heart attack, serious injury or other life- what will save you money if you don’t tell them! The formulary
threatening situation – always call 911 or your local for the Anthem medical plans is posted on anthem.com.
emergency number right away! PPO Only: Home Delivery is a convenient way to save time, you
will receive a 90-day supply for 3 times copay. Retail90 allows
For less critical issues, if the emergency is NOT life threatening: you to visit a participating retail pharmacy and pick up a 90-day
• Start by calling the 24/7 NurseLine at the number on the supply of maintenance medications for 3 times a 30-day retail
back of your ID card. You’ll be connected with a specially prescription copay.
trained health care professional, such as a registered nurse
or a health coach, who can advise you about your particular Annual physical exams and cancer screening
symptoms and provide suggested next steps. tests are 100% covered!
• Call your primary care physician’s office (even after hours, Take advantage of the fact the Medical Plan covers 100% of
someone is typically on call to answer questions). Your scheduled annual physical exams and cancer screening tests
doctor will know you and your medical history and may be related to the physical exam when you use an in-network
able to schedule you for a visit the same (or next) day. provider. Keep in mind that if your physician orders a test that
• Urgent care centers and retail clinics are a good choice isn’t part of the scheduled Preventative Care exam/test, those
when you need medical care quickly (colds, eye or sinus procedures may be subject to a copay or deductible. It’s always
infections, frequent chronic migraines, sprains, flu, sore a good idea to check with your doctor’s office before your visit,
throat/cough, ear infections, minor burns), but can’t see to see what tests or exams are planned. Then, call your provider
your regular doctor. They are open nights and weekends to make sure you understand if and how those tests will be
and cost much less than an ER visit. Before you go, call and covered.
ask about their hours, services and whether they participate
in your network. You can find network participation Preventive Dental Care is covered 100%!
information by looking at Anthem’s on-line provider If you’re enrolled in Delta Dental PPO, you’ll save on out-of-
directory at anthem.com (kp.org for HMO Kaiser.) pocket expenses by using a provider who is in-network.
• LiveHealth Online (Anthem) can be used whenever you Preventive Care is covered at 100% when you use an in-network
have a health concern and don’t want to wait for a doctor’s provider.
office visit. You’ll be able to talk to a doctor right away, from
the comfort of your home or office (via internet connection Use the Castlight health care quality and cost
and a web cam.) All you have to do is set up your LiveHealth comparison tool
online account. This lets you fill out a health summary that Castlight’s technology will enable you to find and compare
the doctor can review each time you request a visit. This affordable, quality health care. You can acess your personalized
health summary is confidentially stored in your account and dashboard for managing health care spending for yourself and
is available for future visits. Some of the most common family.
uses include: cold and flu symptoms such as a cough, fever
and headaches; allergies and sinus infections; and family Save tax dollars and enroll in an FSA or HSA
health questions. For those medical, dental or vision care expenses (copays,
deductibles, etc) that you do pay for out-of-pocket, don’t forget
Minimize your out-of-pocket expenses to take advantage of the Health Care Flexible Spending Account
Use your in-network providers who are considered primary care (FSA) or the Health Savings Account (HSA) if eligible.
physicians (PCPs) whose primary practice is one of the following:
Family Practice, Internal Medicine, General Practice, OB/GYN and
Pediatrics.
22