Medical Plan Overview

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.

How the Plan Works

After you meet the plan 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.

The HSA feature of the Hess Medical Plan can help you pay for out-of-pocket costs. 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. If you’re a new hire, these amounts are prorated based on the calendar quarter of your hire date.

You can also contribute up to $3,650 (employee only coverage) or $7,300 (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 2024 annual IRS maximums of $4,150 for an individual or $8,300 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.
_{*Tax-free for federal tax purposes. State tax treatment may vary.}

Key Features

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Use the filter to find information for the coverage level you want:

Employee Only
Employee + One
Employee + Family

COVERAGE LEVEL	IN NETWORK	OUT OF NETWORK*
Employee Only
Your Biweekly Contribution	$40.22	$40.22
Deductible	$1,600	$3,200
Hess HSA Contribution	$500	$500
Your HSA Contribution	Up to $3,650 ($4,150 IRS limit minus Hess contribution)	Up to $3,650 ($4,150 IRS limit minus Hess contribution)
Out-of-Pocket Maximum	$3,000	$6,000
EMPLOYEE ONLY

_{* Out-of-network expenses are limited to the eligible maximum allowed amount. You are responsible for paying any amount over the eligible maximum allowed amount charges in addition to your deductible and coinsurance.}

COVERAGE LEVEL	IN NETWORK	OUT OF NETWORK*
Employee + One
Your Biweekly Contribution	$80.43	$80.43
Deductible	$3,200	$6,400
Hess HSA Contribution	$1,000	$1,000
Your HSA Contribution	Up to $7,300 ($8,300 IRS limit minus Hess contribution)	Up to $7,300 ($8,300 IRS limit minus Hess contribution)
Out-of-Pocket Maximum	$6,000	$12,000
EMPLOYEE + ONE

_{* Out-of-network expenses are limited to the eligible maximum allowed amount. You are responsible for paying any amount over the eligible maximum allowed amount charges in addition to your deductible and coinsurance.}

COVERAGE LEVEL	IN NETWORK	OUT OF NETWORK*
Employee + Family
Your Biweekly Contribution	$137.52	$137.52
Deductible	$3,200	$6,400
Hess HSA Contribution	$1,000	$1,000
Your HSA Contribution	Up to $7,300 ($8,300 IRS limit minus Hess contribution)	Up to $7,300 ($8,300 IRS limit minus Hess contribution)
Out-of-Pocket Maximum	$6,000	$12,000
EMPLOYEE + FAMILY

_{* Out-of-network expenses are limited to the eligible maximum allowed amount. You are responsible for paying any amount over the eligible maximum allowed amount charges in addition to your deductible and coinsurance.}

Concerns About the High Deductible?

Discover how the Hess Medical Plan offers lower total health care costs for most users.

Watch Now

GET THINGS DONE WITH ANTHEM'S SYDNEY HEALTH APP

Make your life easier with Anthem’s Sydney Health app. Sydney acts like a personal health guide, answering your questions and connecting you to the right resources at the right time. Receive alerts, reminders, tips and doctor suggestions based on your needs.

With just one click, you can do things like:

View and use digital ID cards
Find care and check costs
Review all benefits
See claims
Get fast answers with a chatbot

Download the app from the App Store or Google Play. Questions? Contact Anthem at anthem.com or 1-800-854-1834.

COVID-19 and Your Medical Benefits

Hess Medical Plan

COVID-19 testing is covered at 100 percent through the Hess Medical Plan when you have a doctor order a test for you.

Over-the-counter (OTC) COVID-19 testing kits from in-network pharmacies are now covered through Express Scripts. Members are eligible to receive up to eight at-home COVID-19 tests at the pharmacy counter every 30 days for a $0 copay. Learn more.

Anthem Resources

Evaluate Your Symptoms

Use Anthem’s COVID-19 Symptom Assessment tool based on CDC recommendations to better assess whether you may have contracted COVID-19.

Go Now

CDC Resources

Find COVID-19 vaccines near you.

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Contacts

Anthem