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Welcome To Your
Virtual Benefits Hub
Plan Year: January 1, 2025 - December 31, 2025
This Virtual Benefits Hub was designed to be an interactive, centralized resource for you
and your dependents to visit both during open enrollment and throughout the year.
This page will serve as your go-to resource for benefits-related questions. You’ll be
able to access enrollment information, important benefit documents, and different tools
to help you understand your benefit offerings.
To Our Employees:
Once again, this year, we conducted a thorough review of options available to us and we think we’ve come up with the best possible package. But the process doesn’t stop here—we need you to take an active role in understanding and selecting your benefit options. A strong grasp of the plans available to you will best allow both you and this organization to get the most bang for your buck.
To help you gain that strong understanding, please read this digital benefit guide carefully and consult with HR with any questions.
Thank you for all that you do for us!
All team members have access to our online benefits enrollment platform 24/7 where you can enroll, select, or change your benefits online during the annual open enrollment period, new hire orientation, and for qualifying events.
Helpful Tips To Consider Before You Enroll
Do you plan to enroll an eligible dependent(s)?
Have you recently been married/divorced or had a baby?
Did any of your covered children reach their age limit for this year?
REMINDER: if you wish to participate in a Health Savings Account in 2025, you MUST make an active election each year. Prior elections do not carry over.
Annual enrollment is your opportunity to learn about the 2025 Benefits, review your current coverage, and choose the best options for you and your family. Please review this virtual benefit guide and attend our upcoming education session to learn more about our 2025 benefits offerings.
This annual enrollment will be an active open enrollment, which means you must make your benefit elections by Friday, November 22 if you wish to be enrolled in benefits for the 2025 plan year.
Open Enrollment is the one time of year when you can update your elections without experiencing a Qualifying Life Event (QLE). The elections that you make will remain in place until December 31 unless you notify HR within 30 days of your QLE to be eligible to make new elections.
The Benefit choices you make during your initial enrollment or annual open enrollment remain in effect for the entire year.
QUALIFYING EVENTS
You can, however, modify your elections under certain circumstances, called "Qualifying Events".
Ready to Enroll?
Please click the below link to enroll in your benefits. All elections must be submitted in UKG no later than Friday December 8th. Even if you are not making changes, please login and complete your open enrollment event.
When Does My Coverage Start?
If you are a New Hire, you are eligible to participate if you are full-time and work a minimum of 30 hours per week. Your coverage will be effective 1st of the month following 30 days from your date of hire.
Open enrollment, your coverage is effective 1/1/2024
What is a Qualifying Event?
Who are my legal dependents?
New for 2025 - Best Supply offers a medical plan through Anthem.
A PPO option offers the freedom to see any provider when you need care. When you use providers from within the PPO network, you receive benefits at the discounted network cost. Most expenses, such as office visits, emergency room and prescription drugs are covered by a copay. Other expenses are subject to a deductible and coinsurance. The HDHP is similar to the PPO Plan in that you have the option to choose any provider when you need care. However, in exchange for a lower per-paycheck cost, you must satisfy a higher deductible that applies to almost all health care expenses, including those for prescription drugs. All expenses are your responsibility until the deductible is reached, with the exception of preventive care, which is covered at 100% when you visit a physician in the network. Once the deductible is met, you are responsible for coinsurance for medical expenses and a copay for prescription drug expenses.
Utilizing In-Network providers will allow for the highest level of coverage. In-Network providers agree to accept Anthem's contract rate as the final charge and the member is not balanced billed.
TRADITIONAL DRUGS
TIER 1 (GENERIC) | Lowest copay: Most drugs in this category are generic drugs. Members pay the lowest copay for generics, making these drugs the most cost-effective option for treatment.
TIER 2 | Low copay: This category includes non-preferred and low-cost generic drugs
TIER 3 | Higher copay: This category includes preferred, brand-name drugs that don't yet have a generic equivalent. These drugs are more expensive than generics, and have a higher copay.
TIER 4 | Highest copay: In this category are nonpreferred brand name drugs for which there is either a generic alternative or a more cost-effective preferred brand including most specialty medications. These drugs have the highest copay. Make sure to check for mail-order discounts that may be available.
Helpful Rx Cost Savings Tools & Tips:
MAIL ORDER - Many drugs are available in a 90-day supply, rather than the 30-day retail supply. Typically, you will pay less if you choose to get a mail-order 90-day supply.
GOOD Rx - There are many tools online that you can use to save on prescription costs. One is GoodRx.com, an online Rx database that allows you to find what pharmacy is the cheapest for your specific prescription. Additionally, you may be able to find a coupon that will greatly reduce your cost. It is important to remember that many of the coupons can only be used outside of your plan (which will not count towards your maximums).
ASK YOUR DOCTOR – Make sure to ask if there are cost-saving alternatives to the prescription they are providing. Many times, there are generic or different manufacturers that will save you money at the pharmacy.
Below is a high-level overview of your plan options and in-network benefit information:
You can view more details of these plans by accessing the medical benefit summaries provided under the Medical & Prescription section above.
A virtual visit lets you see and talk to a doctor from your mobile device or computer. When you use one of the provider groups in our virtual visit network, you have benefit coverage for certain non-emergency medical conditions. Costs must be paid by you at the time of the virtual visit and will apply toward your deductible and out-of-pocket maximum.
WHEN CAN I USE A VIRTUAL VISIT?
When you have a non-emergency condition and:
*Your covered children may also use Virtual Visits when a parent or legal guardian is present for the visit.
Examples of Non-Emergency Conditions:
HOW DOES IT WORK?
The first time you use a Virtual Visits provider, you will need to set up an account with that Virtual Visits provider group. You will need to complete the patient registration process to gather medical history, pharmacy preference, primary care physician contact information, and insurance information.
Each time you have a virtual visit, you will be asked some brief medical questions, including questions about your current medical concern. If appropriate, you will then be connected using secure live audio and video technology to a doctor licensed to deliver care in the state you are in at the time of your visit. You and the doctor will discuss your medical issue, and, if appropriate, the doctor may write a prescription* for you.
Virtual Visits doctors use e-prescribing to submit prescriptions to the pharmacy of your choice. Costs for the virtual visit and prescription drugs are based on, and payable under, your medical and pharmacy benefit. They are not covered as part of your Virtual Visits benefit.
*Prescription services may not be available in all states.
HOW DO I GET ACCESS?
Learn more about Virtual Visits and access direct links by downloading the Sydney Health App on your phone.
Interested in the services Anthem has available? This section will review the different services you have at your fingertips through Anthem.
Did you know?
Anthem has a blog with Member News, Healthy Living, and Health Insurance basic articles. Click on the link below to review!
The SydneySM Health app is a free Anthem Blue Cross Blue Shield app that gives you fast and convenient access to your health insurance information right on your phone. It’s like having a personal health assistant in the palm of your hand.
Search for doctors, hospitals, labs, and other health professionals in your plan. You can search by name, location, and type of care. You can even filter by gender or languages spoken, and then check costs before you go to find what’s best for you.
Check medical claims with one click. That means you can spend more time focused on your health and less on managing your healthcare benefits.
The Sydney app shows you essential information at a glance. Whether that’s an overview of your plan, health reminders, or suggestions for wellness programs. You also can find your deductible, copay, and share of costs.
You’ll always have your most current Anthem ID card handy. You can use it just like a paper one when you visit the doctor, pay for care, and more.
Just type your questions in the app and receive the answers you’re looking for. Plus, Anthem’s Sydney app can suggest resources to help you understand your benefits, improve your health, and save money.
The Find Care tool brings together details about doctors in your plan’s network. You can customize your search by name, location, specialty, or procedure. You also can compare information such as costs, languages spoken, and office hours.* To make sure a care provider is in your plan’s network, view the doctor or facility profile.
When you need care right away, the emergency room (ER) might be the first place that comes to your mind. However, the ER may not be the best choice in every situation. You have options when you have a sudden need for care, and knowing what they are can help you save time and money — and feel better sooner.
How to find the care you need - instructions for employees who are already enrolled:
How to find the care you need - instructions for employees who are not currently enrolled in the medical:
24/7 NurseLine serves as your first line of defense for unexpected health issues. You can call a trained, registered nurse to decide what to do about a fever, give you allergy relief tips, or advise you where to go for care. A nurse is always available to help answer your questions.
The Anthem Nurseline can help you with:
Call the NurseLine today at (800) 337-4770.
What is the health management program?
Get tools and support for managing chronic conditions:
Anthem health advocates can help you follow your healthcare plan.
For more information about the program, call Anthem at (866) 962-1071