Page 7 - Avance Schools Benefit Guide 2019
P. 7

BENEFITS





         MEDICAL INSURANCE


         Tips for Using Your Medical Benefits


               Know where to go for the right health care.
         
               It’s important to know where to go when an illness or injury occurs. Below is a quick overview to help you better understand
               when to use the different options available to you as a member of our medical insurance through Anthem Blue Cross.






                24-Hour Nurseline     Telemedicine          Doctor Visit        Urgent Care       Emergency Room
                      Free         HMO $49 | PPO $20             $                   $$                 $$$

               • Available 24/7    • Available 24/7     • Office hours vary   • Generally open on   • Open 24/7
               • A registered nurse   • US board certified   • Generally, the best   evenings, weekends   • Use for true
                can help you decide   doctors can treat you   place to go for non-  and holidays   emergencies such as
                where to go for care   via two-way video   emergency care as a   • Often used when   any accident or injury
                when you or a family   over the internet or   relationship is   your doctor’s office is   that may lead to loss
                member have a        your mobile device   established and your   closed and there is   of life or limb, serious
                health concern     • Talk to a licensed   doctor is able to treat   no true emergency    medical complication,
                                     psychologist or     you based on                             or permanent
                                     therapist if you are   knowledge and                         disability
                                     stressed or worried   medical history



                        Accessing Care
                        •   24-Hour Nurseline: Call (800) 700-9186.
                        •   Telemedicine: Go to www.livehealthonline.com.
                        •   Doctor Visit and Urgent Care: Go to www.bluecrossca.com.
                        •   Emergency Room: In case of medical emergency, go to the nearest emergency room or call 911.




               Use generic and over the counter drugs when available.
         
               The best way to save on prescriptions is to use generic or over the counter medications as opposed to brand name drugs.
               Generic drugs must use the same active ingredients as the brand name version of the drug. A generic drug must also meet
               the same quality and safety standards.

         
               Use the mail-order prescription drug benefit for maintenance medications.
               The mail order pharmacy is a fast, easy and convenient way to save time and money on your maintenance medications. You
               can order additional supplies of medication at a discount. See carrier provisions for details.

                       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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