Page 6 - Benefits Guide TeleSign 2020

Medical Insurance

As a benefit-eligible employee of TeleSign, you have three choices available for medical coverage: HMO, PPO and HDHP. All
medical plans provide you with in-network preventive care covered at 100%. Preventive care includes your annual wellness exam
and any tests and immunizations recommended for you based on your age and gender.

The HMO is an in-network only plan that requires you to select a primary care physician (PCP)/medical group. Your PCP manages
your whole health and for this reason you must receive a referral to obtain care from a specialist. Each member of your family
may select a different PCP or medical group. When selecting a PCP, it is a good idea to review the entire medical group that the
PCP is affiliated with and also the hospitals to which they have admitting privileges to ensure you are happy with the resources
available to you. It is also important to understand that Urgent Care must be provided by the facility affiliated with your medical
group. While HMO limits coverage to in-network only, in the event of an emergency, both in-network and out-of-network care is
covered.

The PPO is a plan that provides coverage for both in-network and out-of-network care. Our PPO plan has a low calendar-year
deductible and copays for office visits. The PPO does not require you to select a PCP or receive a referral to seek care from a
specialist. In exchange for this flexibility, the premiums for this plan are higher. Lab fees and services rendered in a hospital
setting (for inpatient or outpatient surgery) are covered, subject to the plan deductible and coinsurance. Although you have
access to out-of-network providers, you will always pay less when you obtain care in-network. Additionally out-of-network
providers may balance bill you for their charges over carrier maximum allowed charges.

The PPO High Deductible Health Plan (HDHP) works the same as a traditional PPO by providing options for care both in-network
and out-of-network. This plan has a high deductible that must be met up front before the plan begins sharing in the cost of
services; this includes prescription drugs. The copays listed for prescription drugs do not apply until the deductible has been met.
Your annual preventive wellness exam is still a 100% covered benefit, but everything else is subject to you meeting your
deductible first before the coinsurance applies. The HDHP plan meets the IRS criteria to allow you to open a Health Savings
Account (HSA).

Which Option is Right for You?

HMO PPO PPO HDHP
Per paycheck contributions $ $$$ $$
Annual Deductible None $ $$$

TeleSign HSA Contribution N/A N/A Yes
Employee HSA Contribution N/A N/A Yes
In-Network Coinsurance N/A You pay 20% You pay 20%
Out-of-Pocket Maximum $ $$ $$
Prescription Drugs $5/$15/$30/$50 $5/$15/$30/$50 Plan deductible applies, then $5/$15/$40/$60

Health Care FSA Enrollment Available Available Available with restrictions

Finding a Medical Provider
• Go to www.anthem.com/ca
• Select “Find a Doctor”
• Search as a ‘Guest by Selecting a Plan’ and answer the questions:
• What type of plan do you want to search with: “Medical (Employer-Sponsored)”
• Select a plan/network:
 HMO: State: CA | Plan/Network: Blue Cross HMO (CA Care) - Large Group
 PPO/HDHP (CA): State: CA | Plan/Network: Blue Cross PPO (Prudent Buyer) - Large Group
 PPO/HDHP (Non-CA): State: Non-CA | Plan/Network: National PPO (BlueCard PPO)

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