Page 13 - Realty One Benefits Guide CA

HMO MEDICAL PLANS
With the Anthem Blue Cross Health Maintenance Organization (HMO) plans, you must choose a primary care physician (PCP) or medical group
within the HMO network that corresponds with the plan you’ve selected. All of your care must be directed through your PCP or medical group.
Any specialty care you need will be coordinated through your PCP and will generally require a referral or authorization. You will receive benefits
only if you use the doctors, clinics and hospitals that belong to the medical group in which you are enrolled, except in the case of an emergency.

HMO Plan Options Available:
• Classic HMO 30/40 500 Admit – Select HMO Network
• Classic HMO 30/40 500 Admit – Blue Cross HMO (CACare) – Large Group Network

PPO MEDICAL PLANS
The Anthem Blue Cross Preferred Provider Organization (PPO) plans allow you to direct your own care. You are not limited to the physicians
within the network and you may self-refer to specialists. If you receive care from a physician who is a member of the network, a greater
percentage of the entire cost will be paid by the insurance plan. You may also obtain services using a non-network provider; however, you will
be responsible for the difference between the covered amount and the actual charges and you may be responsible for filing claims.

PPO Plan Options Available:
• Lumenos HSA PPO 501 – Blue Cross PPO (Prudent Buyer) Network
• Solution PPO 1500 – Blue Cross PPO (Prudent Buyer) Network
• Classic PPO 750 30/20 – Blue Cross PPO (Prudent Buyer) Network /MEDICAL INSURANCE

NOTE ABOUT THE LUMENOS HSA PPO 501 PLAN OPTION
The Health Savings Account (HSA) plan combines a high deductible health plan (HDHP) with a special, tax-qualified savings account.
When you establish an HSA banking account through HSA Bank, you can elect to make contributions into your account up to the IRS
maximums:

2016 Annual IRS 2017 Annual IRS
HSA Contributions
Employee Contribution Maximum Employee Contribution Maximum
Employee Only $3,350 $3,400
Employee + Dependent(s) $6,750 $6,750

You may use your HSA funds to pay for current medical expenses or save toward future expenses on a tax-free basis. You pay the full
cost for most expenses (including the full cost for most prescription drugs) until you meet the calendar year deductible. Once you
meet the calendar year deductible, you will pay the cost of your medical expenses through coinsurance. Your account balance earns
interest and the unused balance rolls over from year to year. The money is yours to keep even if you leave Realty ONE Group, no longer
participate in a high deductible health plan (like the Lumenos HSA PPO 501 plan), or retire. If you are interested in the Lumenos HSA
PPO 501 plan option, please contact the Human Resources Department for additional information.

Page 13