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Benefits

Medical Insurance

Option 1
Kaiser Permanente | HMO Medical Plan (California Only)

With the Kaiser Permanente Health Maintenance Organization (HMO) plan, you must obtain services at a Kaiser Permanente
facility, except in the case of emergency. All of your care must be directed through your selected doctor, but you can choose and
change your doctor at any time, for any reason. Kaiser Permanente integrates all elements of healthcare such as physicians,
medical centers, pharmacy, and administration in one convenient facility. In addition, Kaiser Permanente offers online tools so you
can email your doctor’s office, make appointments, refill prescriptions, and more.

Option 2
Anthem Blue Cross | HMO Medical Plan (California Only)
With the Anthem Blue Cross Health Maintenance Organization (HMO) plan, you must choose a primary care physician (PCP) or
medical group within the California Care network. 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.

Option 3 & 4
Anthem Blue Cross | PPO Medical Plans
The Anthem Blue Cross 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.

Option 5
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 for 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 network
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 responsible for the difference between the covered amount 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
Option 3 & 4: Go to www.anthem.com/ca or call (800) 888-8288. Refer to the “Prudent Buyer PPO” network.
Option 5: Go to www.anthem.com/ca or call (844) 860-3535
Non-California PPO or HSA participants refer to the “National PPO (Blue Card) PPO” network.

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/

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