You’ll pay less if you go to a doctor, hospital or pharmacy that is in network. Review the chart below to see what’s covered for in-network and out-of-network care.
SEE WHAT THE PLAN PAYS FOR CARE
How Services Are Covered
|IN NETWORK||OUT OF NETWORK*|
|Here's What the Plan Pays|
|Preventive Care**||100% no deductible||65% after deductible (after $500 annual allowance)|
|Office Visits||85% after deductible||65% after deductible|
|Telehealth Visits||100% no deductible||65% after deductible|
|Emergency Room||85% after deductible||85% after deductible|
|Hospital||85% after deductible||65% after deductible|
|Laboratory||85% after deductible||65% after deductible|
|X-Ray||85% after deductible||65% after deductible|
|Knee, Hip and Spine Procedures|
at Anthem Blue Distinction Centers
|90% after deductible||No coverage|
|Travel Expenses||Up to $10,000 reimbursement per occurrence for transportation, food and lodging expenses if a covered medical service under the plan is not available within 75 miles of the participant’s home. Learn more.|
** Preventive care includes wellness visits for children, preventive exams and recommended screenings for adults and immunizations in or out of network.
IS YOUR PROVIDER IN NETWORK?
Although you can go to a doctor, hospital or pharmacy that is not in the network (out of network), you will pay less if you choose to go to one that is in the network.
- To see if your doctor is in the Anthem network, visit anthem.com or call 1-800-854-1834.
- If your doctor is not in the Anthem network, call 1-800-854-1834 and nominate your health care provider for possible inclusion.
- Search for doctors and health care facilities that are in the Hess Medical Plan network and compare them, based on location, cost and quality, using the Find Care tool at anthem.com.
If no network provider is available where you need care, call Anthem — before receiving care — to approve using an out-of-network provider for in-network benefits. Without approval, you’ll receive out-of-network benefits.
What Happens If I Go Out of Network?
When you use an out-of-network provider, the plan will pay coinsurance based on Anthem’s maximum allowed amount. You are responsible for any portion of the provider’s charge that exceeds this amount. For example, if you have met your deductible, the plan will pay 65 percent of the maximum allowed amount for out-of-network care.
If your out-of-network provider charges $600 for a procedure and Anthem’s maximum allowed amount for the procedure is $500, you would pay 35 percent of the maximum allowed amount (35% x $500 = $175) plus the $100 that exceeds the maximum allowed amount, for a total of $275.