The Anthem Preferred Provider Organization High Deductible Health Plan (Anthem PPO HDHP) comprises comprehensive medical, prescription, vision, behavioral health, and organ transplant services coverage. The coverage has no pre-existing condition limits or waiting periods. When you choose the Anthem PPO HDHP, you can also select a Health Savings Account (HSA), a particular tax-advantaged bank account to help cover out-of-pocket costs.

Anthem HDHP 2020 Overview

The Anthem HDHP 2020 plan combines traditional medical coverage with a Health Savings Account (HSA). That gives the covered individual greater flexibility and discretion over how you use your health care dollars. With this plan, the annual deductible should be met before plan benefits are paid for services other than in-network preventive care. Typically, that is covered at 100%. You can visit any doctor or hospital. However, you receive a higher level of benefits when you use Blue Access PPO providers.

Annual Deductible

Anthem employee benefitsThe deductible is the amount one should pay out of pocket before the plan will start to pay benefits. The deductible applies to all medical services and prescriptions except wellness/preventive. Notably, the family deductible must be met before services are covered for any member when one or more family members are covered. Anthem blue cross medical for In-Network has $1,600 for employee-only coverage / $3,200 for all other coverage levels. On the other hand, Out-of-Network has $3,200 for employee-only coverage / $6,400 for all other coverage levels.

It is worth noting that Network and Non-Network deductibles are separate and do not accumulate toward each other.

What is Covered in Anthem low Deductible Plan?

For one to benefit from an anthem plan, a claims Administrator should consider services or supplies medically necessary, be delivered for the treatment of illness or injury, and be performed or prescribed by a licensed physician. The services are subject to any applicable annual coinsurance, deductibles, and co-payments. 

Before getting Anthem employee benefits, you must meet all other conditions for coverage. In addition, treatment must meet the following criteria:

  • There is a written treatment plan recommended and supervised by a behavioral health provider
  • This Plan is for a condition that can favorably be changed.
  • This Plan includes follow-up treatment

Paying for Medical Care

Before requesting for Anthem health insurance benefits, here is how the Healthy Focus medical plan options pay for covered care:

  • For most care, the Healthy Focus plans pay the majority of the cost for coverage, after one meets the annual deductible. Your share is a percentage called coinsurance.
  • Preventive care is covered 100 percent, no deductible.
  • The plan pays 100 percent of covered costs when you reach the annual out-of-pocket maximum.

How Do I Find a Health Care Provider?

In Indiana, the plan uses Anthem Blue Access. On the other hand, it uses the Blue Cross & Blue Shield (“Blue Card” providers) in other states and overseas. After enrolling in the plan, you can use the Cast light Health tool or login to Anthem to find in-network providers.

Does the Plan Include Vision Wear coverage?

Anthem low deductible planYes. Vision Wear coverage is offered through Anthem Blue View Vision. Coverage is included in the enrollment of the medical plan. However, vision services have their schedule of benefits, and network providers separate from medical benefits. You can visit the Vision Wear benefit page for more information.

If you would like to get more information about the Anthem HDHP 2020 in your neighborhood, county, or state, get in touch with us. Alternatively, you can visit the anthem HDHP website for more information.

HealthEquity administers the Anthem HSA plan coverage and will open an account for you to pay eligible expenses with pre-tax dollars. When you enroll in the Healthy Focus Advantage or Essential plan, the Company may contribute to your HSA. Notably, the HSA contribution will be based on an employee’s annual salary and the coverage level elected for medical coverage.

For more information about Anthem HDHP 2020, contact health insurance today!

References and Resources 

About Anthem blue cross 

Vision coverage by anthem