Our Benefit Plans
Available Plan Options
Anthem Classic HMO (CA Employees Only)
The HMO Plan offers comprehensive coverage at a low out-of-pocket cost to you and your family. The primary objective of an HMO is to have only one physician coordinate a patient’s care through the HMO network of physicians, medical offices and hospitals. Under this plan, you MUST choose a Primary Care Physician (PCP) and a medical group from the Anthem network. If you do not, Anthem will assign a PCP and medical group to you.
Anthem Lumenos HIA (Non-CA Employees Only)
The HIA Plan does not require that you select a primary care physician. Much like the PPO plan, you may obtain services outside the plan network; however, you will incur higher out of pocket expenses and you are responsible for filing claims. This plan also includes a Health Incentive Account in which the health plan places money for you to use on routine medical care.
Anthem PPO 500/20/10
The Anthem PPO plan offers you the freedom to go in and out of the network for care. You may use a PPO provider whose negotiated rates provide richer levels of benefits, with claim forms filed by the provider. You may also obtain services outside the PPO network; however, you will incur higher out of pocket expenses and you are responsible for filing claims.
Anthem PPO 1000/35/20
The Anthem PPO plan also offers you the freedom to go in and out of the network for care. You may use a PPO provider whose negotiated rates provide richer levels of benefits, with claim forms filed by the provider. You may also obtain services outside the PPO network; however, you will incur higher out of pocket expenses and you are responsible for filing claims. This plan is similar to the PPO 500/20/10, except you will trade reduced benefits for reduced price.
The Anthem DHMO provides dental care through a network of dentists. There are no deductibles, plan maximums, or claim forms. You must select an Anthem Primary Care Dentist to receive covered dental care or a referral to a specialist. Services are covered on a co-payment basis.
The Anthem PPO covers a wide range of dental services. You have the freedom to go in and out of network for care. You may visit a PPO Dentist and benefit from the reduced contracted fee resulting in less out of pocket expense. You may also visit an out of network Dentist, where services will be based on a reasonable and customary amount and you will be responsible for any amount owed after insurance has paid.
Anthem Vision Plan
The Anthem vision plan provides professional vision care and high quality lenses and frames through a broad network of optical specialists.
Life and AD&D
Anthem Basic Life and AD&D
Life insurance is an affordable way to help you provide financial security for your loved ones. We provide coverage that is both comprehensive and affordable for you and your family. This benefit is 100% company paid.
Mutual of Omaha Voluntary Life and AD&D
Voluntary Life/AD&D Insurance provides addi onal coverage for Employees who want to supplement their group life and accidental death and dismemberment (AD&D) insurance benefits through Mutual of Omaha. When you enroll yourself or you and your dependents in this benefit, you pay the full cost through payroll deductions.
Mutual of Omaha Short Term Disability
The STD plan provides you with disability income benefits for disabilities resulting from a non-occupational injury or illness.
Mutual of Omaha Long Term Disability
The LTD plan is designed to provide you with a reasonable level of income replacement in case you can no longer work due to a disability.
Mutual of Omaha EAP
We provide ALL employees and their families with an Employee Assistance Program (EAP) through Mutual of Omaha. The EAP offers confidential, professional counseling assistance and a 24-hour hotline seven days a week and provides support for a wide variety of personal, family and financial issues.
Navia Health Care FSA
We use Navia as our Flexible Spending Account (FSA) partner. If you elect to enroll, you can set aside pre-tax dollars to pay for eligible health, dental and vision care expenses.
Navia Dependent Care FSA
We use Navia as our Dependent Care Flexible Spending Account (FSA) partner. If you elect to enroll in the dependent care FSA, you may set aside up to $5,000 pre-tax per year for your dependents’ child care expenses.