When you need medical care

During the COVID-19 crisis, our plan began covering virtual office visits with doctors online and by phone. We’ll continue this benefit into 2021. The new Plan deductible and regular cost-sharing for an office visit will apply. 

You also have access to virtual visits through our LiveHealth Online benefit. This includes:

• An in-person visit with a board-certified medical professional through your phone, tablet, or desktop .
• Help with nonemergency medical problems, like a cold, flu, ear / sinus infection, and allergies
• Short-term prescriptions, if needed

You can register at livehealthonline.com or download the app to your mobile device (App Store and Google Play).

These services are completely confidential.

For your mental health and emotional well-being

The Plan covers virtual visits (phone and online / video) with a Beacon Health Options network counselor, therapist, or psychiatrist. Contact Beacon Health Options at (866) 277-5383 for a referral to an in-network behavioral health provider or to find immediate help if you’re in crisis.

You can also take advantage of virtual visits through Beacon’s MDLIVE resource (available through mobile app, website, and by phone). Register at mdlive.com/counseling, or download the app to your mobile device (App Store and Google Play).

The Plan deductible and regular cost-sharing for an office visit apply.

These services are completely confidential.

Prescription drug use makes up a big share of our plan’s expenses, and your prescriptions may take up a big part of your own healthcare budget. 

To help manage our collective costs, we’re introducing a new resource called Rx Savings Solutions. You can use Rx Savings Solutions through your phone or computer, and see actionable ways to save on your medications — for example, by switching to a generic version of your brand-name drug or getting a better price at a local pharmacy.

Using Rx Savings Solutions is free and completely confidential.

Register online or through the app (App Store or Google Play).

Currently, Express Scripts serves as the plan’s prescription drug provider. Effective January 1, 2021, we’ll change to CVS Caremark as our drug provider. You’ll receive more information about this change later in 2020.

With CVS Caremark, you can use any pharmacy in their broad network but if you choose a CVS pharmacy, you’ll receive a seamless customer experience. You’ll be able to pick up specialty medications and speak with a pharmacist, choose whether to receive your maintenance medications via mail or pick up at the store and have the option to receive your maintenance medications in pre-sorted prescription packs.

No action is required now. Watch for more information in October and November.

Quick reminder: Your deductible is the amount you pay for healthcare services before the plan’s cost-sharing kicks in. Effective January 1, 2021, we’ll combine our Plan’s in-network medical and hospital deductibles. 

• The combined in-network deductible will be $500 for individuals and $1,000 for families. 
• There is a higher combined deductible for Plan II (for participants running out their current coverage in 2021) of $1,000 for an individual and $2,000 for families.
• Also, the current Industry Health Network deductible will continue to apply ($150 for individuals and $300 for families).

Also remember: Our plan covers many in-network preventive care services at no cost to you — with no deductible requirement. Be sure to understand what care is appropriate for your age and gender, and make your appointment(s).

You and the Plan will typically pay much less when you receive care through a network provider, because network providers agree to accept a pre-approved, discounted amount for their services. When you go out-of-network, providers may charge much more than the contracted rates. This costs both you and our plan much more money as we pay benefits. So, we strongly encourage you to use network providers whenever possible.

With this in mind, effective January 1, 2021, we’re eliminating the Plan’s out-of-pocket maximum benefit for out-of-network services. We’ll pay our share of coinsurance (based on the Plan’s Allowance), and you’ll be responsible for any balance due. 

Finding a network provider

Our plan contracts with Anthem’s BlueCard PPO network, giving you access to one of the nation’s largest networks of doctors, hospitals, and other healthcare facilities.

Participants in California can use Industry Health Network providers, as well.