Medical

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Deductible Types- for your benefit:

From your family to your budget, your doctors to your health goals — everything about you is unique. That’s why Smiths Group offers a choice of medical plans. Plans are available through Anthem and include prescription drug coverage through CVS Caremark.

  • The Anthem Advantage Medical Plan with a Health Savings Account (HSA) – This plan has the same comprehensive network of benefits coverage as the PPO for in-network and out-of-network services. Smiths Group will contribute to your HSA, and you may also make pre-tax contributions through payroll deductions to save money on eligible health care expenses such as your deductible, coinsurance, eyeglasses, orthodontics, prescriptions, etc.  The Health Savings Account is yours and it does not expire.  You must use the account funds for eligible healthcare expenses to avoid potential penalties.
  • The Anthem PPO Plan (PPO) – This plan has the same comprehensive network of benefits coverage as the Anthem Advantage Plan for in-network and out-of-network services. Members are not eligible for a Health Savings Account (HSA) unless enrolled in the Anthem Advantage Plan but may enroll in a healthcare flexible spending account during open enrollment or within 30 days of a qualified life event.

If you want to understand the differences between the two plans, check out pages 4-5 of the 2024-2025 Benefits Guide.

Wondering what age/gender specific preventive care you are eligible for? Click here and enter your gender and age range.

 

Both plans include:

  • Comprehensive medical and prescription drug coverage. Both Anthem plans cover the same services, from preventive care to hospitalization and more. Note, certain differences apply for infertility.

  • Access to Anthem’s network of healthcare providers.

  • The freedom to see any doctor you want, when you want. While you have the freedom to receive care from any doctor, you’ll generally pay less when you go to an in-network provider.

  • Covered preventive care paid at 100%, with no deductible when you use an Anthem network provider and the diagnosis is preventive.

  • Savings and spending account options to help you save on covered expenses.

  • Protection against catastrophic costs from illness or injury with an out-of-pocket maximum limit. Note: the limits differ between the plans.

  • Powerful tools that give you the information and confidence you need to make smart decisions about your medical care.

  • Resources to help you get healthy and stay healthy.