We’re proud to offer four medical plans that help you and your family get the care you need, at a price that works for you. As you choose a plan, consider the total cost: what you pay from your paycheck (premiums) and what you pay when you get care (out-of-pocket costs). All plans cover preventive care in full, but they differ in deductibles, copays, eligible tax-saving accounts, and more.
There’s no “one size fits all” when it comes to medical coverage. Explore the plans FBM offers to see which might be right for you.
The Clear Choice plan covers care through in-network doctors only, except for emergency care.
With the Clear Choice plan, you know what you’ll pay before you receive care. There are no deductibles or coinsurance to worry about — just a simple copay.
The plan offers lower copays for network providers and service sites that consistently deliver high-quality, cost-effective care.
The CDHP plans offer health coverage with the flexibility to choose from in-network or out-of-network providers. You must satisfy a higher deductible before the carrier begins paying toward your medical services.
The PPO plan gives you the flexibility to see either in-network or out-of-network providers whenever you need care, without requiring referrals or advance provider selection.
Compare the plans to find the one that best fits your needs. The chart below shows in-network coverage. All plans include out-of-network coverage, except the Clear Choice plan. For out-of-network details, see your plan summaries.
| Plan Features | Anthem Blue Cross Clear Choice (FSA Eligible) |
Anthem Blue Cross Low CDHP (HSA Eligible) |
Anthem Blue Cross High CDHP (HSA Eligible) |
Anthem Blue Cross PPO (FSA Eligible) |
|---|---|---|---|---|
| In-Network Only | In-Network | In-Network | In-Network | |
| You pay: | You pay: | You pay: | You pay: | |
| Annual Deductible Individual/Family |
N/A | $2,500 / $5,000 | $2,000 / $4,000 | $1,000 / $2,000 |
| Annual Out-of-Pocket Maximum Individual/Family |
$4,000 / $8,000 | $5,000 / $10,000* | $4,000 / $8,000* | $4,000 / $8,000 |
| Preventive Care | Covered in full | Covered in full | Covered in full | Covered in full |
| Telemedicine/Virtual | $0 | 20% after deductible | 10% after deductible | 20% after deductible |
| Primary Care |
$25 Diamond provider $50 other in-network provider |
20% after deductible | 10% after deductible | 20% after deductible |
| Specialist |
$50 Diamond provider $100 other in-network provider |
20% after deductible | 10% after deductible | 20% after deductible |
| Lab & X-ray | $500 | 20% after deductible | 10% after deductible | 20% after deductible |
| Urgent Care | $40 | 20% after deductible | 10% after deductible | 20% after deductible |
| Emergency Room (copay waived if admitted) |
$500 | 20% after deductible | 10% after deductible | 20% after deductible |
| Inpatient/Outpatient Hospital | $2,000 / $750 | 20% after deductible | 10% after deductible | 20% after deductible |
| Inpatient Mental Health | $2,000 | 20% after deductible | 10% after deductible | 20% after deductible |
| Outpatient Mental Health | $50 | 20% after deductible | 10% after deductible | 20% after deductible |
| Chiropractic (24 visits per year) |
$100 | 20% after deductible | 10% after deductible | 20% after deductible |
|
FBM Annual HSA Contribution |
N/A | $500 / $1,000 | $500 / $1,000 | N/A |
| Prescription Drugs: Retail (up to a 30-day supply) | ||||
| Generic | $10 | $10 after deductible | $10 after deductible | $10 |
| Preferred Brand | $40 | $30 after deductible | $30 after deductible | $30 |
| Non-Preferred Brand | $80 | $50 after deductible | $50 after deductible | $50 |
| Prescription Drugs: Mail Order (up to a 90-day supply) | ||||
| Generic | $20 | $20 after deductible | $20 after deductible | $20 |
| Preferred Brand | $80 | $60 after deductible | $60 after deductible | $60 |
| Non-Preferred Brand | $160 | $100 after deductible | $100 after deductible | $100 |
*You must meet the family out-of-pocket maximum before the plan pays 100% for non-preventive benefits for any family member.
With the Clear Choice plan, you’ll know the cost of covered care before you receive it. You’ll also have convenient access to care and can earn rewards by choosing certain high-quality, lower-cost providers.
Important: The Clear Choice plan does not cover out-of-network care unless it is a medical emergency.
Review the Clear Choice plan details, including copays, covered services, and provider information, before making your 2027 medical election.
Use the Sydney Health app to keep your health and benefits information in one place.
Now part of your Sydney Health app, you can access Total Health Connections for your everyday and unexpected health needs. This program offers a dedicated Family Advocate as your single point of contact who is ready to help you:
Download the Sydney Health app from Google Play or the App Store. (You’ll need your Anthem member ID number to register—you’ll find it on the front of your ID card.) Not an app person? Access these benefits at sydneyhealth.com.
Garner is a healthcare benefit provided by FBM that works alongside your Anthem medical plan. It helps you find top-rated, in-network doctors and earn money back on eligible medical costs when you visit them.
Get reimbursed or earn HSA contributions up to $1,000 for individuals and $2,000 for families each plan year, prescriptions included. You must be enrolled in an Anthem medical plan to use Garner. There is no extra cost to use it – Garner is part of your medical benefit.
Action Required:
If you are enrolled in an Anthem medical plan, sign up now at garner.guide/access-garner and download the Garner app from the Apple App Store or Google Play Store.
Watch this short video to learn more about the Garner Healthcare Resource.
If you have a health plan with an HSA, you can earn HSA contributions equal to your out-of-pocket medical bills.
If you have a health plan with no HSA, you can get reimbursed equal to your out-of-pocket medical bills via direct deposit or paper check in the mail.
To get reimbursed, follow these simple steps:
Search for Top Providers in the Garner app.
Add Top Providers to your Care Team before your visit to qualify for reimbursement or HSA contributions.
Get paid back for your medical bills up to $1,000 for individuals and $2,000 for families.
After your visit, pay any upfront costs as usual. Garner tracks the claim automatically and processes your reimbursement or HSA contribution within 6-8 weeks. There is no paperwork to file.
Your reimbursement or HSA contributions accumulate over time until you reach your annual maximum. Even if you have a high-cost visit, you’ll continue earning rewards on eligible expenses until your maximum is reached. You can check your remaining balance any time in the Garner app.
You can get paid back for costs such as:
Due to IRS restrictions, you cannot use an FSA to pay for expenses that Garner will reimburse. This is called “double-dipping” as FSA funds and Garner reimbursements are both tax-advantaged.
The Garner Concierge answers plan questions, helps you find a provider, and tracks down a reimbursement or HSA contribution. Message the Concierge in the app, call (866) 761-9586, or email concierge@getgarner.com, Monday-Friday, 8:00 AM to 10:00 PM EST. Se habla español.
Visit garner.guide/access-garner to create your free account, then download the free Garner app from the Apple App Store or Google Play Store to get started right away.
Search for the best doctors near you in the Garner app or website. Providers with a green badge are Top Providers. Add them to your “Care Team” before your appointment for reimbursement.
After your visit, pay any upfront costs as usual. Garner helps resolve reimbursement or HSA contribution issues, up to $1,000 for individuals and $2,000 for families, within 6-8 weeks.
If you take a maintenance prescription drug, you may be able to get a 90-day supply for less than the cost of three 30-day refills. With FREE shipping, it shows up at your front door, so you can skip the trip to the pharmacy.
Three ways to order prescriptions by mail:
Rx Savings Solutions specialists are here to lend a hand in reducing your prescription costs by researching options to find the optimal savings options tailored to you. Plus, they will work with your doctor and pharmacy to ensure you get the greatest savings possible. This FREE service is available to all FBM employees regardless of which medical plan you are enrolled in.
To activate your account, please visit auth.rxsavingssolutions.com/activate.
Teladoc Health is a health benefit fully paid by FBM that makes living with diabetes easier.
Latest technology
You’ll receive a Teladoc Health connected meter that automatically uploads your blood glucose readings, making logbooks a thing of the past. You’ll also receive personalized tips through the meter and mobile app.
Unlimited test strips at no cost
Get as many test strips and lancets as you need shipped right to your door, with no hidden costs or copays.
Coaching anytime and anywhere
Teladoc Health coaches are Certified Diabetes Educators who can assist you with nutrition and lifestyle changes.
Have questions or need help enrolling? Call Teladoc Health Member Support at (800) 835-2362. To enroll, go to teladochealth.com/join/foundation.
About 88 million Americans have prediabetes and many don’t know it. It doesn’t always have symptoms, but can raise your risk for type 2 diabetes, heart disease, and stroke.
To help, Anthem Blue Cross has partnered with Lark to offer a free diabetes prevention program as part of your medical benefits. Lark provides support to:
Wondering if you’re at risk? Take a quick, one-minute survey at lark.com to find out if the program is right for you.
Carrum Health gives you access to top-performing cancer and surgical specialists with a proven track record of quality outcomes. When you use a Carrum provider, most, if not all, of your treatment costs are covered. Employees enrolled in a CDHP must first meet the federal minimum deductible.
Covered procedures currently include knee, hip, shoulder, spine, heart, and weight loss surgeries, cancer care, and more.
Call (888) 855-7806 or visit info.carrumhealth.com/fbm to learn more.
Relieve back and joint pain from the comfort of home with Hinge Health. You’ll receive a personalized exercise program and one-on-one support from a dedicated care team, all at no cost to you.
Join Hinge Health to:
Call (855) 902-2777 for more info or visit: hingehealth.com/fbm/oe.
Need medical attention, but it’s not a true emergency? Save time and money by using telehealth services or visiting urgent care. Emergency room costs are expensive, and visits can take hours! Telehealth services and urgent care centers provide quality care just like the Emergency Room, but you could save hundreds of dollars and hours of time in the waiting room for non-life-threatening issues.
| Telehealth/Virtual Visit | Primary Care Provider (PCP) |
|---|---|
| Time: Low | Cost: $ | Time: Low | Cost: $ |
|
Benefit:
Reasons to go:
|
Benefit:
Reasons to go:
|
| Urgent Care Center | Emergency Room |
|---|---|
| Time: Mid-range | Cost: $$ | Time: High | Cost: $$$$ |
|
Benefit:
Reasons to go:
|
Benefit:
Reasons to go:
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Your deductible resets every January 1st.
Use the Garner app to find Top-Rated providers or call your personal family advocate in the Sydney Health app to find in-network care and set new appointments.
Need your member ID card? Access it anytime using one of the options below:
(844) 879-5709
anthem.com
(833) 203-1739
anthem.com
(866) 761-9586
garnerguide.com/foundation-building-materials
(800) 268-4476
Monday – Friday
8:00 AM – 9:00 PM EST
support@rxsavingsolutions.com
Activate your account: auth.rxsavingssolutions.com/activate
(800) 835-2362
TeladocHealth.com/Register/FOUNDATION
Use registration code: FOUNDATION
(888) 855-7806
(855) 902-2777
hingehealth.com/fbm/oe
