Page 10 - SC Fuels EE Guide 2020 National

MEDICAL PLAN CHOICES

SC Fuels offers you two medical plan options to choose the level of coverage that’s right for you and your family.
Anthem Blue Cross | Traditional PPO Plan
The PPO plan gives you access and flexibility to direct your PPO - Access to Care
own care. For certain services, such as office visits, urgent care, The PPO and the HDHP PPO plan options
and prescriptions you are covered with flat dollar copays. For are Preferred Provider Organization
hospital, lab and x-ray, and emergency services you will first (PPO) plans and use the Anthem Blue
meet a calendar year deductible, then share in the cost with Cross “Prudent Buyer” network.
Anthem through coinsurance.
PPO plans allow you to direct your own
Anthem Blue Cross | HDHP PPO Plan care. You have the freedom to choose
your doctor without the requirement of
With the HDHP PPO plan, you can pay for qualified healthcare selecting a PCP and you may self-refer
expenses now and grow your savings for future healthcare to specialists. You may use a network
needs. This plan combines a High Deductible Health Plan provider whose negotiated rates
(HDHP) with a special, tax-qualified Health Savings Account provide richer levels of benefits with
(HSA). You and the company can contribute tax-free money claim forms filed by the providers. You
to your HSA up to the HSA IRS maximums shown below. The may also obtain services using a non-
money in your account is yours to pay for current healthcare network provider; however, you will be
expenses - or you can save toward future healthcare expenses. responsible for the difference between

the covered amount and the actual
More details about the HSA medical plan are located on page charges, and you may be responsible for
14 of this guide. filing claims.

HSA IRS Limits
SC Fuels’ Annual 2020 IRS Your 2020 HSA
Contribution* Contribution Contribution
Maximum Maximum
Team Member Only $600 $3,550 $2,950
Team Member + Family $1,000 $7,100 $6,100
Catch Up (Ages 55+) N/A $1,000 $1,000
*SC Fuels’ contribution is deposited in per paycheck increments.

FINDING A MEDICAL PROVIDER
www.anthem.com/ca
• Scroll down to Find a Doctor
• You may log in or scroll down to “Search
as a Guest by Selecting a Plan” and click
continue
• Enter the type of coverage and the state Educational Video
• Under type of plan enter “Medical – Health Insurance Terms
Employer Sponsored” and refer to Plan/ http://video.burnhambenefits.com/terms
Network “Blue Cross PPO (Prudent Buyer)
– Large Group” - then click continue
• Next you will enter your zip code, a specific
provider name or specialty, and the
distance from your home - click search

10 | TEAM MEMBER BENEFITS