Anthem Premier offers the highest level of benefits for individuals and families. If you are looking for richer health insurance benefits and the flexibility of customizing your own plan, Anthem Premier may be the plan for you.

Covered Services	Summary of Benefits * (In-Network)
Doctor's Office Visits All physicians office visits are covered before the deductible, you simply pay the copay. The deductible does not apply.	Deductible Waived for Doctor's Visits. $30 copay for primary care physician, $40 copay for specialist
Preventive Care Services (Age 7 and older)	Covered 100%
Well Child Care	Preventive Care & Childhood immunizations covered 100% to age 7
Prescription Retail Drugs Prescription Drugs benefits are covered before the deductible. You don't have to pay the deductible before receiving prescription drug benefits. (and Mail Order when available)	(Deductible Waived): Generic and Brand Name Drugs: $15 copayment or 40% coinsurance, whichever is greater Specialty Drugs (Tier 2): 40% coinsurance up to $10,000 / year. Unlimited coverage See Anthem Drug Formulary List
Optional Drug Coverage      (if available)	N/A, Premier already includes upgraded drug coverage
Oral Contraceptives	Covered as Rx
Spinal Manipulation, Chiropractic	20% coinsurance
Professional & Diagnostic Services (X-rays, labs, anesthesia, surgeons, etc.)	0% or 20% coinsurance
Inpatient Services (overnight hospital / facility stays)	0% or 20% coinsurance
Outpatient Services (without overnight hospital / facility stays)	0% or 20% coinsurance
Emergency Room Services	0% or 20% coinsurance
Preventive Vision / Laser Vision Correction	$20 Co-Pay Routine Eye Exam PLUS Blue View Vision Additional Savings Blue View Vision Additional Savings     Eye Glass Frame 35% discount off retail Contact Lenses (Non-Disposable) 15% off retail price Standard Plastic Lenses   Single Vision  You Pay: $50    Bifocal  You Pay: $70    Trifocal You Pay: $105 Eyeglass Lens Options/Upgrades   UV Coating, Tint, Scratch-Resistance You Pay: $15   Std Polycarbonate You Pay: $40   Std Progressive (Add-on to bifocal)  You Pay: $65    Std Anti-Reflective Coating You Pay: $45 Other Add-ons and Services   Includes some sunglasses,   lens cleaning supplies, etc.  20% off retail price » Learn More
Optional Coverage Options
Maternity Coverage	Rider Available Available with the 2500 deductible and higher only. Coverage must be in force for 6 months before conception.
Dental Insurance	Rider Available with $1,000 benefit
Supplemental Accident Insurance	Pays for first $750 (once per year), accidents only and before deductible for ER visits.
Life Insurance
Other Covered Benefits:	Ambulance, Chiropractic Care, Durable Medical Equipment, Home and Hospice Care, Mental Health, Physical / Occupational Therapy, Substance Abuse, Speech Therapy, Urgent Care, Routine Vision Exam

Anthem Premier Deductible Options

Deductible Options (In-Network) The deductible is the annual amount you as the member or family must pay before coverage begins (Excluding Doctor office visits, Prescription Drug Benefits and Vision Exams). You can usually lower your monthly premium by choosing a higher deductible.	Out-of-Pocket Maximum Once the out of pocket maximum is reached, Anthem will pay 100% of most covered charges for the remaining year. Prescription drug costs do not count towards the out-of-pocket maximum.	Coinsurance
$500 Individual / $1,000 Family	$2,500 Individual / $4,500 Family	20%
$1,500 Individual / $3,000 Family	$3,500 Individual / $7,000 Family	20%
$2,500 Individual / $5,000 Family	$2,500 Individual / $5,000 Family	20% or 0%
$3,500 Individual / $7,000 Family	$3,500 Individual / $7,000 Family	0%
$5,000 Individual / $10,000 Family	$5,000 Individual / $10,000 Family	0%

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For details, call us at (757) 426-9797 or 1-(888) 380-2505 or contact us via email.  We would be glad to help you.

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