Page 9 - Veritone EE California and Colorado Benefit Guide_2020

MEDICAL PLAN CHOICES

Option 1 and 3 Options 4 and 5
Kaiser Permanente | HMO Plan—CA & CO Employees Anthem Blue Cross | PPO Plans—All Employees
With the Kaiser Permanente Health Maintenance Organization (HMO) The PPO plan allows you to direct your own care. If you receive care from a physician who
plan, you must obtain services at a Kaiser Permanente facility, except is a member of the network, a greater percentage of the entire cost will be paid by the
in the case of emergency. All of your care must be directed through insurance plan. However, you are not limited to the physicians within the network and you
your selected doctor, but you can choose and change your doctor at may self-refer to specialists. If you obtain services using a non-network provider, please
any time, for any reason. Kaiser Permanente integrates all elements of note that you will be responsible for the difference between the covered amount and the
healthcare such as physicians, medical centers, pharmacy, and actual charges, and you may be responsible for filing claims.
administration in one convenient facility. In addition, Kaiser
Permanente offers online tools so you can email your doctor’s office, Option 6
make appointments, refill prescriptions, and more. Anthem Blue Cross | HSA PPO Plan—All Employees
With the HSA plan through Anthem Blue Cross, you can pay for qualified healthcare
Option 2 expenses now and grow your savings for future healthcare needs. This plan combines a
Anthem Blue Cross | HMO Plan—California High Deductible Health Plan (HDHP) with a special, tax-qualified Health Savings Account
Employees (HSA). You can contribute tax-free money to your HSA up to IRS maximums. The money
With the HMO plan, you must choose a primary care physician (PCP) in your account is yours to pay for current healthcare expenses - or you can save for
or medical group within the network. All of your care must be directed future healthcare expenses. Similar to the PPO plan, you have the freedom to choose your
through your PCP or medical group. Any specialty care you need will doctor without the requirement of selecting a PCP and you may self-refer to specialists.
be coordinated through your PCP and will generally require a referral You may use a network provider whose negotiated rates provide richer levels of benefits
or authorization. You will receive benefits only if you use the doctors, with claim forms filed by the providers. You may also obtain services using a non-network
clinics, and hospitals that belong to the medical group in which you are provider; however, you will be responsible for the difference between the covered amount
enrolled, except in the case of an emergency. and the actual charges and you may be responsible for filing claims.

Finding a Medical Provider
• Option 1: Go to www.kp.org or call (800) 464-4000.
• Option 2: Go to www.anthem.com/ca or call (800) 888-8288. Refer to the “California Care HMO” network. Educational Video
• Options 3, 4 & 5: Go to www.anthem.com/ca or call (800) 888-8288. Deductibles, Copays, Coinsurance, and
• California Residents: Refer to the “Prudent Buyer PPO” network. Out-of-Pocket Maximums
• Non-California Residents: Refer to the “National PPO (Blue Card) PPO” network. http://video.burnhambenefits.com/terms/

9 EMPLOYEE BENEFITS