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High Deductible Health Plan with HSA

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Anthem/Blue Cross Blue Shield.

Benefits eligible employees (50% or more FTE) may participate in AUI's High Deductible Plan with Health Savings Account (HSA) or Health Reimbursement Account (HRA) through Anthem.The High Deductible Plan has two levels of deductible: Single ($1,500) and Family (2 or more) ($3,000) for in-network services. All preventative services are covered at 100% under the plan. Deductibles are on an annual, calendar year basis and reset each January.

Enrollment in the Medical plan is allowed as a new hire, through qualifying events (marriage/divorce, change in employment status, etc.), or annual open enrollment. Additional details of the plan are available below.

If you have questions regarding your Medical Benefits, please contact your HR representative or .

What's Covered?

How to use Anthem

HSA vs HRA

Anthem Value Adds


Medical Plan Documents

Summary Plan Description (SPD)

Summary of Benefits (SOB)

Summary of Coverage and Benefits (SBC)

These documents were produced by Anthem and follow specific federal guidelines. Please note that some are only summaries and do not outline the comprehensive details of your plan. For complete coverage details you should refer to the Summary Plan Description as posted above.

How much does it cost?

Link to NRAO WebpageCurrent Year Medical Premiums

Preventive Services covered at 100%

Preventive Services List

  • Preventive drugs covered outside of the deductible, at coinsurance level

Preventive Drug List


    Enrolling in Medical

    There are two steps to enroll in the High Deductible Health Plan:

    1. Complete the Medical/Dental/Vision enrollment form

    - Health Savings Account (HSA), or

    - Health Reimbursement Account (HRA) if you have other insurance coverage, including Medicare, Medicaid, spouse plan, flexible spending, etc.

    2. Complete the Salary Reduction Agreement form (optional)
    - if you intend to contribute your own money to your HSA.

    - HRA participants cannot contribute their own money.

     

    Legal Plan Document

    AUI Comprehensive Medical Plan Document.

    Legal document outlining who can be covered and how the plan works.


      Anthem Member Services: Call Anthem if you have any issues regarding your coverage at: 833-820-8990

      Register online at Anthem.com. For more information, view the Anthem Portal Guide.

      • Download Explanations of Benefits, Manage your HSA, Download ID cards, Find a doctor, etc.

      Download Anthem's Sydney App - virtual primary care, chat with a doctor, & more right from your phone/tablet. Click here for demo.

       IngenioRx - Anthem's Rx provider. More information below:

      Find a Doctor

      Go Green! Anthem offers electronic statements for you to save on fees. A $1.50 charge will appear on your HSA if you continue with paper HSA statements. To "go green",

      • Log into your Anthem.com account
      • Click on “My Plan” on the top left and choose Spending Accounts
      • Click on the “Manage your account” link, which will open a new window or tab
      • Click on the settings icon in the top right; look for the option to “Go Green”

       

      Claim and Pre-Authorization Forms

      Medical Claim Form
      Medical Claim Form for out-of network claims, not for use with prescriptions.

      IngenioRx Drug Claim Form
      Use this form to file claims.

      Rx Pre-Authorization Form
      Use this form to receive pre-authorization drugs.

      Health Savings Account (HSA)

      Tax-exempt contributions to an HSA remain exempt if you use them (and their earnings) to pay for qualifying Medical expenses.

      Certain restrictions exist for participation in an HSA:

      • Must be enrolled in a high deductible health plan.
      • Must not have any other insurance coverage.
      • Dependents with other coverage may impact the amount you can save.

      For 2022, AUI will make a $500/$1000 employer contribution to the HSA for participating HDHP employees. New Hires will receive a pro-rated contribution.

      If you have a balance over $1,000, you can invest your HSA dollars in mutual funds offered through PNC Bank.*Please note there will be a monthly $2.25 investment fee.

      More information below:

      HSA Investment Guide

      Eligible HSA Expenses

      HSA Routing Number: 075072157

      Sample Anthem HSA/HRA Card

      DebitCard

      Health Reimbursement Account (HRA)

      Individuals who are not eligible for an HSA due to other medical coverage (Medicare, Medicaid, spouse insurance, flexible spending accounts, etc.) may receive the employer contribution given to HSAs through an HRA.

      HRAs only have balances if an employer contribution is made to employee HSA accounts. For 2022, there is a $500/$1000 AUI contribution to the HRA.

       

      For those who have HSA accounts through HSA Bank (previous custodian):

      Accessing your HSA Bank Account without MyCigna

      NEW - Online Virtual Primary Care

      • Virtual Primary Care visits with Anthem's Sydney Health Mobile App
      • Provides easy to schedule primary care appointments
      • Easy prescription refills, lower healthcare costs, efficient & fast care

      LiveHealth Online - Telehealth Services

      • Private video visit with board-certified doctor or licensed therapist
      • https://livehealthonline.com/
      • Virtual visit costs as little as regular office visit or at most $59
      • Sign up ahead of time for faster service when needed!

      24/7/365 Nurse Line Available

      • Registered Nurses available to answer questions at any time. Telephone number is on the back of your Anthem ID card

      Anthem BlueCard Global Core -If you are traveling abroad and need services:

      • Anthem will cover your claim as in-network if it is considered a "true emergency" (heart attack, bone break, seizure, etc.).
      • You will have to pay at the time of service and submit the claim later. Claim forms are available on this page, or from Anthem.com
      • Non-emergency services can be handled through LiveHealth Online.

      Condition Care Assistance

      Complex Care - Assistance for coordinating care with complex health conditions. ComplexCare nurses will work with you and your doctors to create a customized plan to help you.

      Case Management - For those who experience hospital stays or serious health conditions, a case manager can help you answer questions, coordinate with doctors, educate you on your benefits, and provide you with guidance. For more information, please call 877-332-8193

      Anthem Special Offers!

      Did you know Anthem offers special discounts on things like vision and hearing products, or health and fitness services? To view the discounts offered, log into your Anthem.com portal. Click on Care, Discounts.