Anthem Blue Cross High Deductible Health Plan (HDHP) HRA 4000

This plan is a High Deductible Health Plan with in- and out-of-network coverage. It utilizes the Anthem Blue Cross – Prudent Buyer (Large Group) Network (or the National Blue Card Network if you are located outside of California) of physicians and facilities and is paired with a Health Reimbursement Arrangement (HRA).

Here is a summary of the key plan features:

• Your payroll contributions are lower compared to the PPO medical plan.
• It offers in-network preventive care and virtual care through 98point6 at no cost to you.
• You must first meet your deductible before plan coverage begins. However, in-network preventive care, such as an annual well visit, is covered 100% without copays and without requiring you to pay your deductible.
• You can choose any facility or provider for care, but if you receive health services from a doctor or hospital that is not in the preferred network (known as “out-of-network”), you will pay a higher amount. In some cases, you will need to pay the non-preferred provider directly and file a claim to receive reimbursement.
• You have access to family planning benefits covered through Kindbody, including two IVF cycles and egg freezing.
• You receive $1,000 in an HRA to help pay for out-of-pocket expenses regardless of your medical tier level. We make 100% of the contributions to your HRA. Teammates may not contribute.

 

Review the 2024 Summary of Benefits and Coverage

Know where to go for care

When you or a family member need care, choosing the right place can save you time and money— and, most importantly, get you on the way to feeling better fast.

 

Type of Care	Appropriate for	Examples	Access	Average Cost*
Modern Health Mental Wellbeing	Clinical support and/or self-care	Stress Burnout Depression Anxiety Trauma Career development Financial wellbeing Relationships Healthy habits	Varies based on service needed	No charge
98point6 online visit	Minor illnesses and conditions	Primary care (via 98point6) Common cold, flu, fever Headache, migraine Skin conditions Allergies	24/7  98point6.com/radpartners	$5 **
Office visit	Routine medical care and overall health management	Preventive care Illnesses, injuries Managing existing conditions	During regular office hours Find a provider on anthem.com or call (833) 951-1371 CA teammates, search the Prudent Buyer network Outside of CA, search the National Blue Card network	$75
Urgent care or Walk-in clinic	Non-life-threatening conditions requiring prompt attention	Stitches Sprains Animal bites Ear-nose-throat infections	Hours vary by location, up to 24/7	$125
Emergency room	Life-threatening conditions requiring immediate medical expertise	Suspected heart attack or stroke Major bone breaks Excessive bleeding Severe pain Difficulty breathing	24/7	$500 and up

* Average out-of-pocket cost after deductible. Your cost may vary depending on your plan and location.
** Teammates and their family members covered on a Radiology Partners’ HDHP HSA 2500 medical plan can receive no-cost virtual primary care through 98point6 while legislation due to COVID allows us to waive the copay.