Hampden-Sydney College is committed to providing a comprehensive health care plan with a complex web of doctors, physicians, and facilities to choose from. Anthem KeyCare coverage is just that. (Anthem is affiliated with Blue Cross/Blue Shield)
Most hospitals in Virginia accept KeyCare rates. Pre-Admission review is required for admission to a hospital (excluding out-patient services). If you are admitted in an emergency situation, pre-admission review must be done within 48 hours or the next business day.
If you travel outside the state, the KeyCare network of doctors and facilities does not apply. However, you should locate doctors and facilities that participate with Blue Cross Blue Shield in the state you are visiting. If you have a life-threatening emergency either in state or out of state, you will not be penalized for seeking services from a non-KeyCare or non-participating doctor or facility.
Anthem covers 100% of checkups, routine physicals, including office visits, lab work, immunizations, mammograms, pap tests, gynecological exams, PSA, colorectal cancer screenings, and certain blood and urine screenings and labwork. Note: Refer to Anthem's preventive care list to see what tests are covered. These tests are not considered routine if the procedure is performed due to a medical condition or diagnosis. If, in the course of a routine screening procedure, an abnormality or problem is identified that requires immediate intervention, the service may be converted from routine or diagnostic.
WELL BABY CARE
Anthem's Well Baby Care covers children from birth through age 6.
In addition expectant mothers may enroll in the Future Moms Program by contacting the Benefits Manager or Anthem directly.
DEDUCTIBLES SINGLE FAMILY
In-Network $300 $600
Out-of-Network $450 $900
MAXIMUM OUT OF POCKET
In-Network $2,000 $4,000
Out-of-Network $3,000 $6,000
In-Network Anthem pays 80% of allowable charges, individual pays 20%
Out-of-Network Anthem pays 60% of allowable charges, individual pays 40%
Note: deductibles and out-of-pocket expenses for in- and out-of-network services are not combined.
The College plan is a PPO;
you do not need a referral;
you do not need a primary care physician;
there are no co-payments
PRESCRIPTION DRUG COVERAGE
Your Anthem policy covers prescription drug coverage is with Express Scripts.
$10 - $35 - $55 co-pays per prescription
Prescription drugs and devices approved by the FDA for use as contraceptives are covered.
Basic vision insurance is included in your Anthem health insurance coverage. The coverage is with Davis Vision. Note: If during a routine exam a problem is found the claim may become diagnostic and may become a medical claim.
VOLUNTARY Buy-up Vision Insurance with Davis Vision:
MEMBERSHIP TIERS AND FUNDING FOR HEALTH PLANS
Monthly health, vision, and dental membership tiers are:
Employee + one child
Employee + spouse/same-sex domestic partner
Employee + family
The College contributes % of monthly medical/dental premium based upon salary:
50% if the employee earns $40,001 or more
65% if the employee earns $22,501 to $40,000
80% if the employee earns $22,500 or less
Premiums are deducted from your paycheck on a before-tax basis.