Page 12 - Milani EE Benefits Booklet.pub
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[EMPLOYEE BENEFITS]








         MEDICAL - TIPS


         TIPS FOR USING YOUR MEDICAL BENEFITS


               Ask questions when in doubt.
         
               If you are having a procedure or planning an upcoming procedure, make sure you know how the procedure will be covered and
               what your out-of-pocket cost will be, if any.

               Know where to go for the right health care.
         
               It’s important to know where to go when an illness or injury occurs. Below is a quick overview to help you better understand when
               to use the different options available to you as a member of our medical insurance through Anthem Blue Cross.




                   Nurseline       LiveHealth Online       Doctor Visit        Urgent Care       Emergency Room

                       Free              $10-$49                 $                   $$                  $$$
               Available 24/7    Available 7 days a   Office hours vary   Generally open on   Open 24/7
               A registered nurse can   week, 7am to 11pm   Generally, the best   evenings, weekends   Use for true
                help you decide where  US board certified   place to go for non-  and holidays   emergencies such as
                to go for care when   doctors can treat you   emergency care as a   Often used when your   any accident or injury
                you or a family      via two-way video over   relationship is   doctor’s office is   that may lead to loss
                member have a health   the internet      established and your   closed and there is no   of life or limb, serious
                concern                                  doctor is able to treat   true emergency    medical complication,
                                                         you based on                             or permanent disability
                                                         knowledge and
                                                         medical history





                         ACCESSING CARE
                           24-Hour Nurseline: Call (800) 700-9186.
                           Telemedicine: Go to www.livehealthonline.com.
                           Doctor Visit and Urgent Care: Go to www.anthem.com/ca.
                           Emergency Room: In case of medical emergency, go to the nearest emergency room or call 911.



               Use generic and over the counter drugs when available.
         
               The best way to save on prescriptions is to use generic or over the counter medications as opposed to brand name drugs. When
               you use generic medications, you will pay the lowest copay. Generic drug companies do not have to develop a medication from
               scratch, so the costs are significantly less to bring the  drug to the market. Once a generic medication is approved, several
               companies can produce and sell the drug. This competition helps lower prices. In addition, many generic drugs are well-established
               medications that do not require expensive advertising. Generic drugs must use the same active ingredients as the brand name
               version of the drug. A generic drug must also meet the same quality and safety standards.


         
               Use the mail-order prescription drug benefit for maintenance medications.
               The mail order pharmacy is a fast, easy and convenient way to save time and money on your maintenance medications. You can
               order additional supplies of medication at a discount. See carrier provisions for details.



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