Anthem is one of the most popular health insurance companies because of its large network and extensive offerings. They have various plan options for individuals, families, businesses, and those with existing Medicare or Medicaid coverage. Anthem offers HMO and PPO plans, with the opportunity to add fitness, vision, or dental coverage.
Anthem MediBlue HMO is the provider’s Medicare Advantage option, which combines the benefits of Medicare Parts A and B into one policy. These plans offer extras including benefits for hearing aids and prescription medications. Members who enroll in an HMO plan choose a primary care provider who provides most of their care but can refer them to a specialist if needed. HMO plans are generally more affordable than PPO options.
Anthem’s suite of PPO options offers more flexibility than HMO plans, but they often come with a higher monthly premium. Members must still name a primary care physician, but they do not need to get a referral to see a specialist. PPO plan participants can see medical providers outside of Anthem’s network by paying an extra fee. The lender currently offers more than 1,200 PPO plans, the majority of which come with prescription drug coverage. PPO plans without prescription drug coverage are also available.
Anthem offers two types of Special Needs Plan, one option for Medicare enrollees who also get Medicaid and one for those with chronic health conditions or specific health needs. These options come with Medicare Advantage benefits while offering additional services, including additional prescription drug coverage.
Anthem offers several options for those looking for stand-alone prescription drug plans, which provide benefits for drugs that fall into the Medicare coverage gap. These plans must be used in tandem with Medicare Parts A and B or Medicare Supplement Insurance plans. Anthem works with nearly 70,000 pharmacies in 14 states to fill prescriptions for members.
Anthem administers Medicaid coverage for members who meet specific qualifications such as a low income and a documented disability. Medicaid coverage is only available in six states, so ensure you check your state regulations before enrolling in a plan. Most members who register for Medicaid through the U.S. government can transfer their existing coverage to Anthem.
Anthem HMO plans come with a lower monthly premium than PPO options. According to Anthem data, the average member pays $50 for a primary care visit and $150 for an urgent care visit. However, exact costs depend on your tier plan. Gold plan members generally pay less for routine appointments, while Silver and Bronze plan participants spend up to $50 more for the same service. Typically, paying higher monthly premiums results in lower costs when you visit a doctor or medical facility.
Anthem plans often come with extra benefits that allow members to access services and programs for less money. While these benefits vary depending on the plan, these are some of the benefits Anthem members enjoy:
Anthem health insurance plans are widely available in Midwest, Northeast, and Pacific U.S. states. Not every Anthem plan is available in every state. Particular coverage and prescription drug availability also vary depending on the member’s geographic location.
Policies are offered to people residing in the following areas:
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