The Way International

Table of Content

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  2. Menu
    1. What's New?!
    2. 2025 Benefits Overview
    3. Eligibility and Qualifying Event Changes
    4. Medical
    5. Sydney Health App with Anthem
    6. When to use the Sydney Health App
    7. Dental
    8. Dental Benefit Summaries
    9. Dental Benefit Summaries
    10. Vision
    11. Flexible Spending Account (FSA)
    12. Contact Information
    13. Contact Us
    14. Compliance
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2025 Benefits Overview

Anthem: will continue as your Medical and Dental carrier.

  • Sydney Health App will continue to be offered through Anthem.

VSP: will continue as your Vision carrier.

EBC: will continue to administer the Healthcare and Dependent Care Flexible Spending Account

Eligibility and Qualifying Event Changes

Employees are eligible to elect or waive coverage when hired.

EMPLOYEE ELIGIBILITY: If you do not enroll during the Open Enrollment period, you must wait until the next Open Enrollment period unless you experience a Qualifying Life Event. If you experience a Qualifying Life Event (i.e., birth or adoption of a child, marriage, divorce, loss of other coverage, etc.) you must enroll within 30 days of the Qualifying Event.

DEPENDENT ELIGIBILITY: You may also enroll eligible dependents for benefits coverage. A ‘dependent’ is defined as the legal spouse and/or ‘dependent child(ren)’ of the plan participant or the spouse.

  • Your Legal Spouse
  • Your Dependent Children: Children are eligible up to the end of the month of 26th birthday regardless of marital or student status.

What is a Qualifying Life Event?

  • Marriage
  • Divorce
  • Birth/Adoption of a child
  • Death of a spouse or other enrolled dependent
  • Change in spouse’s benefits or employment status
  • A dependent becomes eligible for Medicare or Medicaid
Life Events

Life Events

Medical

Anthem will remain as your Medical benefit provider.

  1. PPO 300 (0-5 years)
  2. PPO 200 (5-10 years)
  3. PPO 100 (10+ years or more)

You may go to any doctor/provider however, those who are in the Anthem network will be most cost effective. Employees who seek care outside of Anthems network will be responsible for higher costs.

Preventive Services Covered at 100%

All routine preventive services are covered 100% as long as the claim is submitted as routine or preventive and falls within the approved list of preventive services. Remind your physician that you are visiting for the purpose of a wellness visit and to submit your visit as preventive in nature.

What is considered a preventive service?

  • Routine exams
  • Pelvic exams, pap tests, mammograms
  • Colorectal cancer screenings
  • Vaccines & Immunizations
  • Contraceptives (specific list applies)
  • Diabetes screenings

**Please refer to attached Summary of Benefits and Coverage (SBC) for more complete plan details**

Understanding an EOB

Understanding an EOB

Sydney Health App with Anthem

Telemedicine with Anthems Sydney Health App

Visit with a doctor 24/7!

You can visit with a doctor virtually for a variety of healthcare needs. You'll be connected with a board-certified doctor through video visits or virtual chat visits for little or no cost, depending on your plan.

Where Can I Download Anthem’s Sydney App?

  •  The app is available for both Apple and Android phones.
  • Download the free Sydney Health app for your device.
Sydney Health App

Sydney Health App

Using the Sydney Health App you can find a doctor, view your claims, manage your benefits, view ID cards and so much more online or on your mobile device!

  • 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 and then check costs before you go to find what is 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 briefly. Whether that is 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 will 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.

  • Stay Connected to Healthy Living
    • Anthem’s Sydney app makes it easier to put your wellness first. Sync your devices to your fitness tracker, monitor your nutrition, and set custom reminders to help you reach your goals.

 

  • Check Your Health Records
    • The My Health Records feature on the Sydney app gives you mobile access to your health data, including health history and electronic medical records, all in one place. Availability is based on your plan.
Sydney

Dental

Dental Insurance

Dental Insurance

Anthem will remain as your Dental benefit provider.


You may go to any dentist. However, those who are in the Anthem network will be more cost effective. Employees who seek dental care outside of Anthems network will be responsible for higher costs.


**Please refer to attached Benefit Summary for more complete plan details**

Vision

VSP will remain as your Vision benefit provider.


You may go to any eye care provider. However, those who are in network will be more cost effective.


**Please refer to attached Benefit Summary for more complete plan details**

Vision Insurance

Vision Insurance

Vision Plan Summary

Vision Plan Summary

Flexible Spending Account (FSA)

Flexible Spending Accounts (FSA) allow you to reduce your taxable income by setting aside pre-tax dollars from each paycheck to pay for eligible out-of-pocket health care and dependent care expenses* for yourself, your spouse and your dependent children. In order to participate in the FSA, you must enroll each year. Your annual contribution stays in effect during the entire year (January 1st through December 31st). The only time you can change your election is during the enrollment period or if you experience a change in-status event. Also, you must elect this benefit within 30 days of your hire date or first date of benefits eligibility.

*You cannot enroll or contribute to an FSA if you are enrolled in and contribute to an HSA.

The maximum Medical Reimbursement amount for 2025 is $3,300.00 with a $660 maximum carryover amount.

The limit for Dependent Care Flexible Spending Accounts is $5,000.00 or $2,500.00 if married and filing taxes separately.

FSA Overview

FSA Overview

How to Submit a Claim

How to Submit a Claim

Carrier Contact Information

Medical Plan - Anthem

Medical Plan Customer Service: 1-800-331-1476

Website: www.anthem.com

Dental - Anthem

Customer Service: 1-800-331-1476

Website: www.anthem.com

 

Vision - VSP

Customer Service: 1-800-877-7195

Website: www.vsp.com

The Way International Contact Information

HM

Heather Malinowski

heathermalinowski@theway.org

419-753-2523

ML

Marcia Lombardi

marcialombardi@theway.org

419-753-2523

Compliance

2025 Annual Notices

2025 Annual Notices

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