Choosing and using your Anthem plan Your guide

Choosing and using your Anthem plan Your guide to Prince William County, Schools & Service Authority open enrollment and making the most of your benefits

Agenda • What’s new this year- Autism Services will be covered for dependents of all ages. This is the only product change for 2020. • Choosing your plan • Tips and Tools 2

Know your health care basics Copay A flat fee you pay for covered services, such as doctor visits. Deductible The set amount you pay before your plan begins to share the cost for covered health services. Your percentage of the costs (coinsurance) After you pay your deductible, this is your percentage of costs each time you get care. Out-of-pocket limit The maximum amount you can pay out of your pocket for covered services each year. Once you reach that limit, your plan covers the rest. 3

Choosing your plan 4

Before choosing a plan Consider your personal situation. Compare costs: • Monthly payment • Coinsurance • Copay • Out-of-pocket limit Check to see if your doctors, hospitals and other health care professionals are covered by the plan. Choose the right plan for your needs. 5

Plan at a glance Your plan includes: • Access to one of the nation’s largest networks of doctors and hospitals. • Coverage for preventive care, like regular checkups, screenings and shots. • Benefits for urgent and emergency care wherever you are. • Health and wellness tools that help you stay healthy and reach your health goals. 6

What’s the Preferred Provider Organization (PPO) plan? Key features Things to consider • Freedom to go to most any doctor or hospital • You pay less when using a doctor from the plan • Not required to have a primary care doctor • No referral needed to see a specialist 7

What’s the Point of Service (POS) plan? Key features Things to consider • Flexibility to see any doctor or go to any hospital • Requires you to select a primary care doctor • Lower costs when you see a doctor in the plan • POS offers the best of an HMO and PPO • Need referral for specialist 8

Comparing plan costs Key. Care Core PPO Medical plans Key. Care Enhanced PPO Health. Keepers POS Doctors in your plan Doctors not in your plan Employee $0 $500 $0 $400 $0 $750 Employee + family $0 $1, 000 $0 $800 $0 $1, 500 Doctor $25 30% coinsurance $20 copay 30% coinsurance Specialist $50 30% coinsurance $35 30% coinsurance $40 copay 30% coinsurance Employee $3, 000 $4, 500 $1, 500 $2, 500 $1, 500 $4, 000 Employee + family $6, 000 $9, 000 $3, 000 $5, 000 $3, 000 $8, 000 Inpatient Facility $400 copay/stay plus 20% coinsurance 30% coinsurance $350 copay/stay 30% coinsurance $200 copay/day up to $1, 000 max 30% coinsurance Emergency Room $200 copay/visit plus 20% coinsurance 30 % coinsurance $200 copay/visit 30% coinsurance Deductible Office visits Out-of-pocket limit 9

Where to go for care Getting care at the right place can save you money. Medical plans Key. Care Core PPO Key. Care Health. Keepers Enhanced PPO POS Doctors in your plan Preventive care No charge Doctor visits $25 copay $20 copay Specialist visits $50 copay $35 copay $40 copay Retail health clinics $20 copay Urgent care clinic $50 copay $35 copay $40 copay Emergency room $200 copay plus 20% coinsurance $200 copay 10

Blue View Vision SM More doctors 38, 000+ doctors at more than 27, 000 locations nationwide More options Get your eye exam at one place and buy eyewear at another. More freedom Select the brands you like. There are no restrictions on eyeglass frames or contact lenses. Whether or not you need vision correction, you should have routine eye exams. Eye doctors can be the first to see signs of chronic health conditions. Routine eye exams can reveal problems before they get serious. Early diagnosis leads to faster treatment and better outcomes. 11

Blue View Vision SM • Choose one of the many independent eye doctors from your plan. • Select a time that works best for you with convenient evening and weekend hours. • Order contact lenses 24/7 from Contacts. Direct or 1800 contacts. 12

Get personalized information Register on the Engage Wellbeing mobile app or at anthem. com. Find a doctor. Update your email address for easy access to plan information you need. Take a health assessment and get tips for how to get or stay healthy. Estimate your costs before you go to the doctor. View your claims and EOBs. 13

The Engage mobile app is like having a personal health assistant It’s personalized so you can: • See what’s covered, what it costs and where you’ve spent your health care dollars. • Find doctors in your plan. • Track health and well-being programs, fitness and nutrition. 14

Looking for a doctor? With the Find a Doctor tool on anthem. com, you can look up: Doctors, hospitals, labs and other health care providers in your area. Doctor profiles, their affiliations and patient reviews. Directions to pharmacies, urgent care centers and other health care facilities. 15

Estimate your costs before you get care Register online and use the Estimate Your Cost tool. See the average costs for common procedures in almost 400 categories — plus, get quality information for hospitalbased procedures. Compare doctors and facilities based on cost and qualityof-care ratings. Stay informed so you can make the right choice for your health and your budget. 16

See a doctor anytime at home or on the go • Have a private video appointment with a doctor on your mobile phone, tablet or computer with a webcam. • Doctors are available 24/7 for advice, treatment and prescriptions, if needed. • See a licensed therapist or psychiatrist. Appointments are available 7 days a week and usually cost the same as an inperson visit. Sign up at livehealthonline. com today or download the free app. 17

Health and Wellness Programs Your plan goes way beyond covering doctor visits. Become more engaged in your health. Make better health care decisions. After your benefits start, go to anthem. com or call the Member Services number on your ID card or mobile app to take part in our programs. Reach your health goals. Save money on health-related products and services. 18

24/7 Nurse. Line Get answers to your health questions — wherever you are, day or night. 19

< Condition. Care Get support from a dedicated nurse team if you have: Asthma Diabetes Heart disease / heart failure Chronic obstructive pulmonary disease (COPD) • Work with dietitians, health educators and pharmacists. 20

Condition. Care Support 24/7 access to a nurse care manager if you have: • Vascular disease • Musculoskeletal disorder The nurse care manager can help you: • Manage your condition • Follow your doctor’s care plan • Provide information to help you get back to work sooner 21

Future Moms Get screenings and resources during pregnancy. Enjoy toll-free, 24/7 access to specially trained nurses. 22

Special. Offers Visit anthem. com and choose discounts to: Save money on glasses, weightloss programs, gym memberships, vitamins and much more. 23

Tips and tools 24

Tips and tools to save time and money Save emergency room (ER) visits for emergencies If you have a real emergency, go straight to the ER or call 911. Otherwise, consider an urgent care center, retail clinic or walk-in doctor’s office. See doctors in your plan Go to doctors in your plan and pay less out of pocket. Pre-approve hospital services (PPO plans) Call to pre-approve services before you get stuck with unnecessary charges. > Use the Estimate Your Cost tool to check costs and quality ratings Comparison shop for health care. Find cost ranges for services with different doctors and check quality reviews. Save money on stuff that’s good for you Get discounts on health-related products and services for you, your family and your home. 25

We’re here to help • By phone: call the Member Services number on your ID card. • Online: register at anthem. com or download the mobile app. 26

Thank you! Anthem Blue Cross and Blue Shield is the trade name of: In Colorado: Rocky Mountain Hospital and Medical Service, Inc. HMO products underwritten by HMO Colorado, Inc. In Connecticut: Anthem Health Plans, Inc. In Georgia: Blue Cross Blue Shield Healthcare Plan of Georgia, Inc. In Indiana: Anthem Insurance Companies, Inc. In Kentucky: Anthem Health Plans of Kentucky, Inc. In Maine: Anthem Health Plans of Maine, Inc. In Missouri (excluding 30 counties in the Kansas City area): Right. CHOICE® Managed Care, Inc. (RIT), Healthy Alliance® Life Insurance Company (HALIC), and HMO Missouri, Inc. RIT and certain affiliates administer non-HMO benefits underwritten by HALIC and HMO benefits underwritten by HMO Missouri, Inc. RIT and certain affiliates only provide administrative services for self-funded plans and do not underwrite benefits. In Nevada: Rocky Mountain Hospital and Medical Service, Inc. HMO products underwritten by HMO Colorado, Inc. , dba HMO Nevada. In New Hampshire: Anthem Health Plans of New Hampshire, Inc. HMO plans are administered by Anthem Health Plans of New Hampshire, Inc. and underwritten by Matthew Thornton Health Plan, Inc. In Ohio: Community Insurance Company. In Virginia: Anthem Health Plans of Virginia, Inc. trades as Anthem Blue Cross and Blue Shield in Virginia, and its service area is all of Virginia except for the City of Fairfax, the Town of Vienna, and the area east of State Route 123. In Wisconsin: Blue Cross Blue Shield of Wisconsin (BCBSWI), underwrites or administers PPO and indemnity policies and underwrites the out of network benefits in POS policies offered by Compcare Health Services Insurance Corporation (Compcare) or Wisconsin Collaborative Insurance Corporation (WCIC). Compcare underwrites or administers HMO or POS policies; WCIC underwrites or administers Well Priority HMO or POS policies. Independent licensees of the Blue Cross and Blue Shield Association. Anthem is a registered trademark of Anthem Insurance Companies, Inc. 114351 MUMENMUB 3/19