Page 5 - Confie Retail Benefits Guide 01-19_FINAL

Benefits

Medical Insurance

Option 1
Anthem Blue Cross |Network PPO Medical Plan
The Network PPO plan allows you to self-direct your own care within the Blue Cross PPO network of healthcare
providers. This network of doctors and hospitals is the largest in the country and includes most of our nations finest
providers. As a network provider, they will also be responsible for filing your claim with our insurance, saving you time
and hassle. As part of the network, these providers have agreed to provide their services at a discounted fee resulting
in a lower expense for you and your family. If you see a non-network healthcare provider, you will be responsible for
the entire cost of the claim.

Option 2
Anthem Blue Cross | HSA Medical Plan
With the HSA plan through Anthem Blue Cross, you can pay for qualified healthcare expenses now and grow your
savings for future healthcare needs. This plan combines a High Deductible Health Plan (HDHP) with a special, tax-
qualified Health Savings Account (HSA). You can contribute tax-free money to your HSA up to IRS maximums. The
money in your account is yours to pay for current healthcare expenses - or you can save toward future healthcare
expenses. Similar to the Traditional PPO plan above, you have the freedom to choose your doctor in and out of
network. Using a network provider provides the richest level of benefits. You may obtain services using a non-network
provider; however, you can also be responsible for any amount above the allowed amount.

Finding a Medical Provider
Go to the provider directory: Anthem Blue Cross Provide Search Directory
• Option 1 PPO: Refer to the “Blue Cross PPO (Prudent Buyer)” large group network when prompted.
• Option 2 HSA: Refer to the “Lumenos” network when prompted.

Utilize Your Free Preventive Care Benefits

In order to receive the full value of your plan, schedule your preventive care exams! Our medical plans cover these
exams 100% when you use in-network providers. Preventive exams can help identify any potential health problems
early on. Not all preventive care is recommended for everyone, so talk with your doctor to decide which services are
right for you and your family.

Educational Video
Benefits terminology can get confusing. Click here to watch a quick video to learn the basics of
how our medical plans work.

Deductibles, Copays, Coinsurance, and Out-of-Pocket Maximums
http://video.burnhambenefits.com/terms/

5