Centurion offers three medical insurance plan options through Anthem Blue Cross/Blue Shield:
1) Keycare Standard PPO Plan
2) Keycare Choice PPO Plan
3) Keycare High Deductible Health Plan (HDHP)
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1) Keycare Standard PPO:
This plan has lower premiums per month and has a higher deductible than the Keycare Choice PPO plan.
A PPO, or Preferred Provider Organization doesn’t require you to go to a primary care doctor before visiting a specialist.
Preventive Care: Pays 100% in-network; 50% out of network after deductible.
Deductibles for Key Care STANDARD PPO plan:
In Network: $1,500 Individual/$3,000 Family.
Out of Network: $3,000 Individual/$6,000 Family.
Out-of-Pocket Max: In-Network: $5,000 Individual/$10,000 Family. Out of Network: $10,000 Individual/$20,000 Family.
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What is a PPO? Watch this video to learn more about your health plan’s network.
Watch the brief video explaining HMO, PPO, and HDHP
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2) Keycare Choice PPO:
This plan offers lower deductibles, but higher premiums than the Key Care Standard PPO plan.
A PPO, or Preferred Provider Organization doesn’t require you to go to a primary care doctor before visiting a specialist.
Preventive Care: Pays 100% in-network; 40% out-of-network after deductible.
Deductibles: In Network: $1,500 Individual/$3,000 Family. Out of Network: $3,000 Individual/$6,000 Family.
Out-of-Pocket Max: In-Network: $4,500 Individual/$9,000 Family. Out of Network: $9,000/$18,000.
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3) Keycare High Deductible Health Plan (HDHP):
An HDHP or High Deductible Health Plan, has higher deductibles, but lower monthly premiums. Like a PPO, you aren’t required to see a primary care doctor, and they generally cost less per month.
However, you must cover the costs of medical expenses until you meet your deductible.
An HSA (Health Savings Account) is often attached to a HDHP. HSAs allow you to set aside pre-tax dollars for out-of-pocket health expenses, which helps to cover the cost of a high deductible.
How Does an HDHP with an HSA Work?
What is a Health Savings Account (HSA)?
Preventive Care: Pays 100% in-network; 40% out of network after deductible.
Deductibles: In Network and Out of Network: $3,000 Individual/$6,000 Family.
Out-of-Pocket Max: In Network and Out of Network: $4,500 Individual/$9,000 Family.
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Each of the Three Plans includes:
♦ 24/7 Nurse Hotline: Call the hotline at any time to talk to a registered nurse about your health concerns.
♦ Infertility Services and Solutions.
♦ LiveHealth Online: Employees enrolled in the Anthem medical plans have 24/7 access to licensed physicians through LiveHealth Online, an easy way to get care when your doctor’s not in. The doctors can treat you right from your phone, tablet or computer. It’s more convenient than urgent care – no driving and no waiting.
Preventive Care: Each of the Anthem medical plans cover in-network preventive care at 100%. This includes routine screenings and checkups, as well as counseling to prevent illness, disease, or other health problems.
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*** The rates for these three plans reflect all programs/states except Nevada, Philadelphia, CDPN & Crownhills. For rates in those areas Contact us.
♦ Correctional Dental Providers Network (CDPN) has a separate plan. Contact us for the CDPN Benefits.
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LOCAL SELECT NETWORK
Your local Select Network is based on the state in which you reside.
- Florida: NetworkBlue
- Georgia: Blue Open Access POS
- Maryland/DC: Blue Choice Advantage Open Access
- Missouri: Blue Access Choice (St. Louis)
- Northern Virginia*: Blue Choice Advantage Open Access
- Tennessee: Network S
These local doctors and hospitals have agreed to a discounted rate. So, when you go to them, those savings will pass on to you. Most local hospitals and providers participate in the local network, which means you will have several high-quality and cost-effective providers to choose from. When you travel outside of your home state, and therefore out of the Select Network area, you will still have access to the BlueCard PPO network.
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Listed below are the per-pay-period (26 pay periods per year) deductions (costs) for medical insurance. The amount you pay for coverage is deducted from your paycheck on a pre-tax basis, which means you don’t pay taxes on the amount you pay for coverage.
SPOUSAL SURCHARGE: A spousal surcharge of $60 per month will apply to the “employee + spouse” and “employee + family” coverage levels if your spouse is offered medical insurance through their employer and enrolls in a Centurion medical plan.
Pricing:
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Before you enroll in medical coverage, take some time to fully understand how each plan works.
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