Welcome
EMPLOYEE ELIGIBILITY
You are eligible to participate if you are full-time and work a minimum of 30 hours per week. Your coverage will be effective after satisfaction of your waiting period.
Qualifying Life Events
If you have a Qualifying Life Event and want to request a mid-year change, you must notify Human Resources and complete your election changes within 30 days following the event. Be prepared to provide documentation to support the Qualifying Life Event.
Common life events include; Marriage, Divorce, New Dependent, Loss/gain of available coverage by you or any of your dependents.
How to Enroll
Please download the Enrollment form below.
When you are completed with this form please email this enrollment form to Nick Sever at Nicholas.Sever@NFP.com
Medical
Saucy Brew Works offers a 2 PPO and 1 HDHP medical plans 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 contract rate as the final charge and the member is not balanced billed.
Wealthcare Saver is the banking custodian for your HSA
• Once your Anthem enrollment is processed, Wealthcare Saver will send a Welcome Kit and Debit Cards with instructions on activating your account. YOU MUST ACTIVATE YOUR HSA Account.
• The debit card will be used to pay for qualified expenses
- Investment Options are available (must maintain $1,000 minimum balance) in your HSA Account.
- A quarterly paper statement fee of $1.50 will be waived if you choose paperless statements
- You will receive Debit Cards (2) if EE + Spouse enrolled.
- You must read the terms and conditions for using your HSA at www.wealthsaver.com/disclosures/anthem
- To learn more about your H S A account, go to Anthem.com or sign up with the Sydney mobile app
2024 HSA Maximum Contributions
Employee: $4,150
Family (all other plans): $8,300
Medical Summary
MEC Plan with Reliance
The Reliance Standard Life BasicCare® program is not Major Medical. It will not pay for all medical expenses. You will most likely have out-of-pocket costs. If you are in generally good health, only see a doctor a couple times a year for colds, flu, physical exams, or minor accidents, and do not have any chronic conditions, this program is a very affordable alternative to Anthem Medical.
For more info about this plan download the doc below!
Summary of Benefits and Coverage (SBC)
Looking for more details about what & how items are covered? Please refer to the formal Summary of Benefits and Coverage (SBC) below.
Prescriptions
Anthem utilizes CarelonRx to administer the pharmacy benefits that utilize the National Direct Formulary List. The formulary list is used to determine the benefit level (copay or coinsurance) based on the type of prescription drug and where it falls in the 4 tiers outlined below.
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 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.
WHERE CAN I FIND A DRUG LIST?
Typically, a full listing of covered drugs is found on your provider’s website. A drug list, also called a formulary, is a list of generic and brand-name drugs covered by a health plan. Although a drug may be on the drug list, it might not be covered under every plan. Review the plan materials for details on specific benefits.
You can use drug lists to see if a medication is covered by your health insurance plan. You can also find out if the medication is available as a generic, needs prior authorization, has quantity limits and more.
RX Summary
Download Anthem's Sydney Health App
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.
*** If you enroll in Anthem Benefits you will have access to this benefit ***
What Can You Do With Anthem’s Sydney App?
Find A Doctor And Check Your Costs
Search for doctors, dentists, 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.
View Your Claims
Check medical, dental, and vision claims with one click. That means you can spend more time focused on your health and less on managing your healthcare benefits.
See All Your Health Coverage 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.
View And Use Your Anthem Digital ID Card
You’ll always have your most current Anthem ID card handy. And you can use it just like a paper one when you visit the doctor or dentist, pay for care, and more.
Use The Chat To Find Answers To Your Questions
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.
LiveHealth Online
Virtual Visits
LiveHealth Online for urgent/acute medical and mental health and substance abuse care via www.livehealthonline.com are covered at $0 copay per visit medical deductible does not apply.
***If you are enrolled in Anthem benefits you will have access to this service***
Click on the icon below!
Dental Benefits
Dental Benefits through Anthem provide comprehensive coverage to help you and your family maintain good dental health. Your coverage will be greater when you visit a participating in-network dentist, you will have lower out-of-pocket costs, no balance billing, and claims will be submitted by your dentist on your behalf.
NETWORK: Anthem Complete
How do I find an In-Network Provider? Use the helpful link below!
- In-Network providers can also be found by calling (800) 942-0854 or by visiting your provider’s website below where you can search by location, provider/facility name, or search by specialty.
Did You Know?
- You have the freedom to select the dentist of your choice; however, when you visit a participating in-network dentist, you will have lower out-of-pocket costs, no balance billing, and claims will be submitted by your dentist on your behalf.
Pre-treatment Estimate
- If your dental care is extensive and you want to plan ahead for the cost, you can ask your dentist to submit a pre-treatment estimate. While it is not a guarantee of payment, a pre-treatment estimate can help you predict your out-of-pocket costs.
PREVENTION FIRST!
Your dental health is an important part of your overall health. Make sure you take advantage of your preventive dental visits.
Preventive care services are covered at 100% if you visit an In-Network provider. They are also not subject to the annual deductible.
Looking for more details about how items are covered? Click on the link below to view the formal plan summary.
Dental Summary
Vision Benefits
Vision Network: BlueView Vision / Eyemed
DID YOU KNOW?
- Eye exams can help detect serious eye and general health conditions sooner: high blood pressure, diabetes, heart disease, high cholesterol
- Babies should receive their first professional eye exam at 6 months
- 80% of learning in the first 12 years comes through the eyes
Saucy Brew Works offers vision coverage through Anthem to help pay for eye exams, prescription glasses, and contact lenses. You receive a higher level of benefits when you see a provider in the Anthem Network.
To find out if your provider is in-network, please visit the Anthem website below.