Page 4 - FINAL Crane Country Day School 2017-18 Benefits Guide

Medical Plans 4

Anthem | HMO Medical Plan
With the Anthem Health Maintenance Organization (HMO) plan, you must choose a primary care physician (PCP)
or medical group within the CaliforniaCare network. All of your care must be directed through your PCP or medi-
cal 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.

Anthem | PPO Medical Plans

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

Anthem | HSA Medical Plan
With the Health Savings Account (H.S.A.) plan through Anthem, 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 savings account (HSA). You can contribute tax-free money to your HSA ac-
count up to the IRS maximum of $3,450 for single coverage and $6,900 for family coverage. In addition, Crane
will contribute $125 per month into your HSA account to assist with offsetting your deductible costs. If you opt
to elect Crane Country Day School’s contribution to your HSA account as your Cafeteria Plan option, these funds
would be included in the IRS maximum. The money in your account is yours to pay for current healthcare ex-
penses - or you can save toward future healthcare expenses. Similar to the PPO plan, you have the freedom to
choose your doctor without the requirement of selecting a PCP and you may self-refer to specialists. You may
use a Prudent Buyer PPO provider whose negotiated rates provide richer levels of benefits with claim forms
filed by the providers. You may also obtain services using a non-network provider; however, you will be respon-
sible for the difference between the covered amount and the actual charges and you may be responsible.

Health Plan Videos

Medical Plan Terms
Medical plan terms, such as deductibles, copays, coinsurance and out-of-pocket maximums, can sometimes
be confusing, To watch a quick video to help you better understand medical plan terms, visit
http://video.burnhambenefits.com/terms.
HDHP + HSA

We’ve provided a quick video to help you understand how high-deductible health plans work in conjunction