Please redirect me if I am not posting on the correct subreddit. My spouse and I are trying to select between 2 healthcare plans with Anthem Blue Access in Pennsylvania. One is a PPO and one is an HSA “value plan”. In reading the benefits summary for both, we THINK we have to pay 100% out of pocket until the deductible is met with the HSA value plan but are not quite sure. SO, we decided we wanted to find out what the actual cost of our current monthly prescriptions would be. Well, the short answer is you can’t. I just spent hours on the phone with HR, then the “benefit advocate” company and finally Anthem themselves. After being transferred to 4 different people in 3 different departments, the “regulation team” stated that without a member ID they cannot give that information to me.
How am I supposed to make a decision on what plan to go with if I have no idea what my prescriptions are going to cost me. We are a household of 5, and 3 are diagnosed with ADHD. We have 7 different prescriptions for treatment of ADHD.
We are in Pennsylvania but I actually couldn’t find our plan in PA- the employer has offices in many different states. The HSA plan is called “Anthem Blue Access PPO HSA – Value Plan”. In the PPO low deductible plan prescriptions are covered with a copay before the deductible is met. It looks like that is not the case with the HSA value plan BUT my question is are the prescriptions just “retail” until the $10,000 family deductible is met? The drug list is the “essential 4-tier” drug list.
Any help is very much appreciated. I had no idea this was going to be such a wild goose chase!
submitted by /u/NWalk22
[link] [comments]
Please redirect me if I am not posting on the correct subreddit. My spouse and I are trying to select between 2 healthcare plans with Anthem Blue Access in Pennsylvania. One is a PPO and one is an HSA “value plan”. In reading the benefits summary for both, we THINK we have to pay 100% out of pocket until the deductible is met with the HSA value plan but are not quite sure. SO, we decided we wanted to find out what the actual cost of our current monthly prescriptions would be. Well, the short answer is you can’t. I just spent hours on the phone with HR, then the “benefit advocate” company and finally Anthem themselves. After being transferred to 4 different people in 3 different departments, the “regulation team” stated that without a member ID they cannot give that information to me. How am I supposed to make a decision on what plan to go with if I have no idea what my prescriptions are going to cost me. We are a household of 5, and 3 are diagnosed with ADHD. We have 7 different prescriptions for treatment of ADHD. We are in Pennsylvania but I actually couldn’t find our plan in PA- the employer has offices in many different states. The HSA plan is called “Anthem Blue Access PPO HSA – Value Plan”. In the PPO low deductible plan prescriptions are covered with a copay before the deductible is met. It looks like that is not the case with the HSA value plan BUT my question is are the prescriptions just “retail” until the $10,000 family deductible is met? The drug list is the “essential 4-tier” drug list. Any help is very much appreciated. I had no idea this was going to be such a wild goose chase!
submitted by /u/NWalk22 [link] [comments]Read Morer/HealthInsurance