Page 4 - ENCO Benefits Guide 01-20_FINAL

BENEFITS

MEDICAL INSURANCE

ANTHEM BLUE CROSS | SELECT HMO
With the Select Network Health Maintenance Organization (HMO) plan, you must choose a Primary Care Physician (PCP) or medical
group within the “Select HMO” network for all of your covered family members. All of your care must be directed through your PCP
or medical 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. This plan uses a smaller network of the most cost effective providers to
provide lower per paycheck premiums. Please note that it is your responsibility to ensure that all family members choose providers
from the Select HMO Network.

ANTHEM BLUE CROSS | FULL HMO
This plan works just like the Select Network plan, but uses a larger network of providers in the “California Care HMO” network.
Since this plan offers more provider options, you will experience higher per paycheck premiums.

ANTHEM BLUE CROSS | PPO
The Anthem Blue Cross Preferred Provider Organization (PPO) plan allows you to direct your own care. You are not limited to the
physicians within the network and you may self-refer to specialists. If you receive care from a physician who is a member of the
“Prudent Buyer PPO” (California) or “Blue Card” (non-California) network, a greater percentage of the entire cost will be paid by
the insurance plan. You may also obtain services using a non‐network provider; however, you will be responsible for the difference
between the covered amount and the actual charges and you may be responsible for filing claims.

PLAN DIFFERENCES SELECT NETWORK HMO FULL NETWORK HMO PPO

Employee Premiums $ $ $$
Out-of-Pocket Costs $ $ $$

Cost Sharing Contribution, Copay Contribution, Copay Contribution, Copay,
Deductible, Coinsurance
Network Size   

In-Network Benefits ✓ ✓ ✓

Non-Network Benefits ✓
Access to Providers Managed by Your PCP Managed by Your PCP Managed by You
- Primary Care Physician Required Required Not Required
- Referral for Specialist Required Required Not Required

FINDING A MEDICAL PROVIDER

Go to www.anthem.com/ca or call (855) 383-7248.
• Select HMO: Refer to the “Select HMO” network when prompted.
• Full HMO: Refer to the “California Care HMO” network when prompted.
• PPO: California employees should refer to the “Prudent Buyer PPO” network and employees residing
outside of California should refer to the “Blue Card” network when prompted.

This guide is designed to help you understand the medical plan options offered to you by ENCO. Please refer to the SBC and carrier
contracts provided by Anthem Blue Cross for additional plan details.

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