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National Accounts


Anthem ByDesign Fact Sheet for National Accounts

Plenty of Choices, Plus the Support to Make the Right Ones
Anthem ByDesign offers flexible solutions for any group's unique needs.  
High Deductible PPO Detail
The Plan's Traditional Insurance Component
The Anthem PPO plan everyone knows and understands: 
Broad, quality provider network
Referral-free access - see any participating provider, no gatekeeper, no paperwork
Out-of-network coverage (at lower reimbursement levels)
Coverage for preventive care
Reassuring coverage for major or catastrophic costs
Includes all of the Anthem PPO's benefits, from outcomes-driven medical management to coordination of care
Fixed, predictable premiums
Options to decrease premiums with increased cost sharing
Plus the customizable cost-sharing choices employers want: 
Deductibles -- from $1000 -- $5000
Coinsurance levels - 90%/70%, 80%/60%, 100%/80%
Out-of-Pocket maximums - annual individual or family
By fine-tuning these individual cost-sharing elements, employers can precisely tailor their plans to their specific budgets, business objectives and groups.  
To access their Anthem PPO coverage, employees:  
Use Personal Care Account to fund basic, everyday health care expenses throughout the year
When PCA is exhausted, they pay out-of-pocket costs until the deductible is satisfied - the Bridge Amount
Reassuring PPO coverage takes over for major or catastrophic expenses - plans are familiar and friendly
Other Standard Features
Powerful Web-based resources, administrative support and self-service tools

20,000-volume, physician-reviewed reference library

Latest medical news and information

Interactive wellness and support programs

Self-Care Centers for chronic conditions

Customizable features

Answers@Anthem -- plan, benefit and claims information, self-service features, quality guidance
Provider Directory - information-rich, easy to search
SpecialOffers@Anthem -- values on health-related products and services
Online pharmacy - order prescriptions, get drug information
Referral-free access, no gatekeeper
Out-of-network coverage (at lower reimbursements)
100% coverage for preventive care
Familiar, user-friendly plan designs and features - PPO and Indemnity
Consistent, clear communications program -- the single, most important factor in the success of a consumer-centric health plan
Available with most Basic Plan designs:  
Choice of deductibles and out-of-pocket maximums (typically $1000 - $5000/yr.)
Choice of copays and coinsurance (90%/70%, 80%/60%,100%/80%)
Choice of PCA/MSA account maximums (typically $500 - $3000/yr.)
Ancillary benefits - life, dental, vision, etc. seamlessly delivered through Anthem affiliates
Choice of Rx plans
Funding options
Adding an FSA (employee-funded) to further assist employees with out-of-pocket costs

©2005-2018 copyright of Anthem Insurance Companies, Inc.

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 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): RightCHOICE® 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. In Ohio: Community Insurance Com pany. 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"), which underwrites or administers the PPO and indemnity policies; Compcare Health Services Insurance Corporation ("Compcare"), which underwrites or administers the HMO policies; and Compcare and BCBSWi collectively, which underwrite or administer the POS policies. Independent licensees of the Blue Cross and Blue Shield Association. ®ANTHEM is a registered trademark of Anthem Insurance Companies, Inc. The Blue Cross and Blue Shield names and symbols are registered marks of the Blue Cross and Blue Shield Association. Use of the Anthem Web sites constitutes your agreement with our Terms of Use