The Hess Medical Plan is administered by Anthem BlueCross BlueShield (Anthem). This gives you access to Anthem’s extensive National PPO (BlueCard PPO) network. What’s more, the Hess Medical Plan comes with a special tax-advantaged Health Savings Account (HSA). When you enroll in the Hess Medical Plan, you automatically receive prescription drug and vision coverage.
MEDICAL PLAN OVERVIEW
COVID-19 and Your Medical Benefits
Hess Medical Plan
If you are diagnosed as having COVID-19, you won’t have to pay for COVID-19 treatment from doctors, hospitals and other health care providers in Anthem’s network. And testing is covered at 100% whether it’s done in or out of Anthem’s network. However, a doctor must order a test for you. Check Anthem’s website for more information.
Anthem Resources
Sydney Care App
This free app includes a Symptom Checker to help you assess your symptoms and potential risk for COVID-19. If you discover you need medical care, the app can connect you to a board-certified doctor through a Virtual Care text session or LiveHealth Online video chat session. Your first two Virtual Care text sessions are free through December 31, 2020. Additional text visits are $19 each. LiveHealth Online visits are free until further notice.
Download the Sydney Care app to your mobile device from the App Store or Google Play.
Coronavirus Test Site Finder
Get information on COVID-19 testing centers near you.
How the Plan Works
Each year you enroll for coverage, Hess puts $500 into your HSA if you have employee only coverage and $1,000 if you have employee + one or employee + family coverage. These amounts are prorated for new hires based on calendar quarter of hire date.
You can also contribute up to $3,050 (employee only coverage) or $6,100 (employee + one or employee + family coverage) of your own tax-free money into your HSA. (These amounts may be slightly higher for new hires due to the proration of the company contribution, but total contributions cannot exceed the 2020 annual IRS maximums of $3,550 for an individual or $7,100 for a family.)
If you’re age 55 or older, you may contribute an additional $1,000 each year. You can use the money in your HSA to pay out-of-pocket health care expenses now, or you can save it for later.
After you meet the deductible, coinsurance kicks in to share the cost. Once you meet your out-of-pocket maximum, the plan pays 100 percent of eligible expenses for the remainder of the year.
Key Features
| IN NETWORK | OUT OF NETWORK* | |
|---|---|---|
| Employee Only | ||
| Your Biweekly Contribution | $36.40 | $36.40 |
| Deductible | $1,400 | $2,800 |
| Hess HSA Contribution | $500 | $500 |
| Your HSA Contribution | Up to $3,050 ($3,550 IRS limit minus Hess contribution) | Up to $3,050 ($3,550 IRS limit minus Hess contribution) |
| Out-of-Pocket Maximum | $2,750 | $5,000 |
| Employee + One | ||
| Your Biweekly Contribution | $72.79 | $72.79 |
| Deductible | $2,800 | $5,600 |
| Hess HSA Contribution | $1,000 | $1,000 |
| Your HSA Contribution | Up to $6,100 ($7,100 IRS limit minus Hess contribution) | Up to $6,100 ($7,100 IRS limit minus Hess contribution) |
| Out-of-Pocket Maximum | $5,500 | $10,000 |
| Employee + Family | ||
| Your Biweekly Contribution | $124.45 | $124.45 |
| Deductible | $2,800 | $5,600 |
| Hess HSA Contribution | $1,000 | $1,000 |
| Your HSA Contribution | Up to $6,100 ($7,100 IRS limit minus Hess contribution) | Up to $6,100 ($7,100 IRS limit minus Hess contribution) |
| Out-of-Pocket Maximum | $5,500 | $10,000 |
ANTHEM ID CARDS
You can access an electronic ID card via the Anthem app or at anthem.com. You can also call Anthem at 1-800-854-1834 to request an ID card be sent to you.
