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.
The EPO plan provides coverage through in-network doctors. You will select a primary care physician (PCP) who will oversee your care and refer you to specialists, if needed. Emergency services will be covered, whether they are received in-network or out-of-network.
Key Features:
The CDHP plans offer health coverage with the ability to choose from in- or out-of-network providers. You must satisfy a higher deductible before the carrier will begin paying toward your medical services.
Key Features:
The PPO plan offers the flexibility to choose an in- or out-of-network provider each time you need care.
Key Features:
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 EPO. For out-of-network details, see your Benefit Guide and plan summaries.
| Plan Features | Anthem Blue Cross EPO (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 |
$3,500 / $7,000 | $2,500 / $5,000 | $2,000 / $4,000 | $1,000 / $2,000 |
| Annual Out-of-Pocket Maximum Individual/Family |
$7,000 / $14,000 | $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 | Costs vary | 20% after deductible | 10% after deductible | 20% after deductible |
| Primary Care | $40** | 20% after deductible | 10% after deductible | 20% after deductible |
| Specialist | $80** | 20% after deductible | 10% after deductible | 20% after deductible |
| Lab & X-ray | 30% after deductible | 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 | 30% after deductible | 20% after deductible | 10% after deductible | 20% after deductible |
| Inpatient Mental Health | 30% after deductible | 20% after deductible | 10% after deductible | 20% after deductible |
| Outpatient Mental Health | $80** | 20% after deductible | 10% after deductible | 20% after deductible |
| Chiropractic (24 visits per year) |
$80** | 20% after deductible | 10% after deductible | 20% after deductible |
| FBM Annual HSA Contribution Employee only/all other tiers |
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.
**Deductible waived.
Sydney Health is an app that keeps track of your health and benefits information, all in one spot.
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 personalized healthcare resource, provided by FBM, that works alongside your Anthem medical plan to help you find the best in-network doctors in your area and reimburses you for medical costs when you visit them—up to $1,000 for individuals and $2,000 for families. You must be enrolled in an Anthem medical plan to use Garner.
Action Required
If you are enrolled in an Anthem medical plan, sign up now: garner.guide/access-garner and download the Garner app from the Apple App Store or Google Play Store.
When you and your family visit a Garner Top Provider, Garner can reimburse your medical bills up to $1,000 for individuals and $2,000 for families annually through a Health Reimbursement Account (HRA).
After your visit, pay any upfront costs as usual. Garner automatically tracks this and will process your reimbursement within 4 – 6 weeks.
You can get reimbursed for costs such as:
Watch this short video to learn more about the Garner Healthcare Resource.
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 the Teladoc Health connected meter that uploads your blood glucose readings, making log books 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.
Whether you need cancer care or a range of surgical procedures, Carrum Health works with the top cancer specialists and surgeons in the country—those who have better outcomes and outstanding bedside manner. And when you receive care through Carrum Health, most, if not all, costs are covered. Those enrolled in a CDHP plan 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.
Reduce your back and joint pain at home with Hinge Health. Get gentle exercises designed just for you, plus 1-on-1 support from your own care team.
Best of all, there’s no cost to you—it’s 100% covered by Foundation Building Materials.
Join Hinge Health to:
Call (855) 902-2777 for more info or visit: hingehealth.com/fbm/oe.
| Telehealth/Virtual Visit | Primary Care Provider (PCP) |
|---|---|
| Time: Low | Cost: $ | Time: Low | Cost: $ |
|
Benefit:
Reasons to go:
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Reasons to go:
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| Urgent Care Center | Emergency Room |
|---|---|
| Time: Mid-range | Cost: $$ | Time: High | Cost: $$$$ |
|
Benefit:
Reasons to go:
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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.
Your member ID card is always available with the following options:
(833) 203-1739
anthem.com
(800) 268-4476
Monday – Friday
8:00 AM – 9:00 PM EST
support@rxsavingsolutions.com
Activate your account: auth.rxsavingssolutions.com/activate
(855) 902-2777
hingehealth.com/fbm/oe
