IN 2019 SG Guide

YOUR TIME MATTERS.

So we’re making everything work harder for you.

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New, more affordable plan designs for your clients

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Simpliﬁed electronic process, from quoting through enrollment, for you

Small Group product guide I Effective January 1, 2019

This policy has exclusions, limitations, and terms under which the policy may be continued in force or discontinued. For costs and complete details of coverage, contact your Anthem representative.

* Non-ACA compliant plans may may not qualify for single bill when combined with other coverages.

Anthem Blue Cross and Blue Shield is the trade name of: In Colorado: Rocky Mountain Hospital and Medical Service, Inc. HMO products underwritten by HMO Colorado, Inc. In Connecticut: Anthem Health Plans, Inc. In Indiana: Anthem Insurance Companies,

Inc. In Kentucky: Anthem Health Plans of Kentucky, Inc. In Maine: Anthem Health Plans of Maine, Inc. In Missouri (excluding 30 counties in the Kansas City area): RightCHOICE® Managed Care, Inc. (RIT), Healthy Alliance® Life Insurance Company (HALIC), and

HMO Missouri, Inc. RIT and certain afﬁliates administer non-HMO beneﬁts underwritten by HALIC and HMO beneﬁts underwritten by HMO Missouri, Inc. RIT and certain afﬁliates only provide administrative services for self-funded plans and do not underwrite

beneﬁts. In Nevada: Rocky Mountain Hospital and Medical Service, Inc. HMO products underwritten by HMO Colorado, Inc., dba HMO Nevada. In New Hampshire: Anthem Health Plans of New Hampshire, Inc. HMO plans are administered by Anthem Health Plans

of New Hampshire, Inc. and underwritten by Matthew Thornton Health Plan, Inc. In Ohio: Community Insurance Company. In Virginia: Anthem Health Plans of Virginia, Inc. trades as Anthem Blue Cross and Blue Shield in Virginia, and its service area is all of

Virginia except for the City of Fairfax, the Town of Vienna, and the area east of State Route 123. In Wisconsin: Blue Cross Blue Shield of Wisconsin (BCBSWI), underwrites or administers PPO and indemnity policies and underwrites the out of network beneﬁts

in POS policies offered by Compcare Health Services Insurance Corporation (Compcare) or Wisconsin Collaborative Insurance Corporation (WCIC). Compcare underwrites or administers HMO or POS policies; WCIC underwrites or administers Well Priority HMO or

POS policies. Independent licensees of the Blue Cross and Blue Shield Association. ANTHEM is a registered trademark of Anthem Insurance Companies, Inc.

107469MUBENABS 05/18

HELPING CHOOSE THE RIGHT PLAN FOR YOUR CLIENTS SHOULDN’T KEEP YOU UP AT NIGHT

Your clients want their employees to have the right plan for their needs, while balancing the cost. We get it. We created a wider range of plan

options with everything your clients and their employees need to make smarter health care choices, save time and manage costs. And our plans

work together – medical, pharmacy, dental, vision, life, disability and behavioral health. You and your clients should feel good with that choice.

� More plan choices to meet more budgets

� A lower cost of care because of the strength and quality of our

networks, so members can see doctors who deliver the most

effective, efﬁcient care

� Expanded medical and pharmacy portfolios:

—ACA-compliant medical and pharmacy plans offering

a wide range of member cost share options

—Integrated Act Wise consumer-driven health plans

that manage the medical beneﬁts and the

spending accounts

� A 5% discount on specialty premiums (dental, vision, life and

disability) when clients purchase dental for the ﬁrst time along

with vision, life and/or disability

—Members get whole-person coverage. Because our products

are connected, doctors can work together behind the scenes

to see a person’s overall health, leading to earlier detection of

possible health issues

� Better health and engagement for members – our digital health

care platform integrates beneﬁt information, clinical and claims

data, and other digital tools to create a more personalized

member experience

MAKING IT ALL EASIER. YOU SPOKE, WE LISTENED.

We know it hasn’t always been easy to work with us. From complicated and inconsistent processes to long implementation times, you’re

frustrated and we hear you. We’ve been working hard to invest in, and develop, market-leading tools and technology with one goal in mind:

to streamline, so you can save time and worry. The changes you’ll see:

� Reimagined Producer Tool-box where you can do it all—in one

place, no more going back and forth between portals

� Simpliﬁed quoting so you can easily show your clients the cost

of any combination of our medical, dental, vision, life and

disability coverage

� Online enrollment submission for your clients and their

employees that drastically reduces implementation times; no

more paperwork

� Full transparency on your clients’ status in the implementation

process – no more guessing games

� Integrated EmployerAccess makes it easier for you to perform

maintenance on all of your clients with a single sign-on

But we didn’t change everything. You will continue to enjoy the support from the service teams you know and trust. And we’ve made their jobs

easier with streamlined processes that are consistent across our company and technology that’s ﬂexible so they can quickly answer your

questions. It’s the best of both worlds so you can rest easy.

PharmacyMedical Dental DisabilityLifeVision Behavioral Health

MAKING IT EASIER

FOR YOU AND YOUR CLIENTS

Your time should be focused on supporting your clients, consulting with them on the right health plan

for their unique needs. What if it could be easier? Instead of paperwork, what if you could focus on

building your business?

WELCOME TO A BETTER WAY.

>

New Tools and Resources, including Smart Shopper

A new broker reimagine portal and Small Group Front Off ce Automation with a new quoting and online enrollment tool. Find it in thei

producer tool box at anthem.com.

Plus, Smart Shopper is now available for small groups! – Members are rewarded for using lower-cost, high quality locations

recommended by their doctor, for certain health care services and procedures.

HealthSync

Look for expanded providers added to our network SG HMO portfolio.

Act Wise

Check out Anthem’s one team, one solution consumer-driven health plan.

Anthem Whole Health Connection®

Our clinical integration solution connects pharmacy, dental, vision, disability and behavioral health data with medical data to put our

members at the center of a team-based approach to whole-person care. Integrated care can improve outcomes, increase member

engagement and reduce costs.

Simplif ed Adminstration i

Anthem medical, dental, vision, life and disability groups can enjoy the convenience of combined administration. This will include

features like one application and enrollment, one bill, one ID card and one website.

Anthem Dental Essential Choice PPO

A new portfolio of dental plans with a streamlined portfolio to make quoting easier, updated and improved benef t frequencies, andi

additional standard plan features such as accidental dental injury, enhanced annual maximum carryover and posterior composite

f lings and dental implants. i

Contact your broker or Anthem

representative for more information.

For employer groups with 2-50 employees

Indiana

2019 HIGHLIGHTS

Check eligibility.

Request ID cards.

View Summary of Beneﬁts.

View, pay and download bills.

View transaction history.

EMPLOYERACCESS

MANAGING BENEFITS

HAS NEVER BEEN EASIER

EmployerAccess is a simple and secure tool on

anthem.com that gives your clients everything they need

to manage benef ts easily and quickly - 24/7. i

They can:

Enroll and cancel employees

and dependents.

Change employee personal information.

To get started today, clients can sign

up at employer.anthem.com.

VISION AND DENTAL

BENEFITS FOR WHOLE-

PERSON HEALTH

Anthem Blue View VisionSM offers employees access to

one of the largest networks in the nation — along with

signif cant savings. i

1 Except when discounting of non-covered services is prohibited by state law.

2 Based on the Blue View Vision plan with $10 lens copay and $130 frame allowance for glasses, or

$130 contact lens allowance.

3 Applies to Anthem Dental Essential Choice members who are actively engaged in an Anthem Care

Management program for the following conditions: cancer, pregnancy, diabetes, certain heart

conditions, organ or bone marrow transplants, stroke, end stage renal disease (kidney disease), and

suppressed immune systems (HIV/AIDS).

38,000 doctors and 27,000 locations

40% off an additional pair of glasses from

providers in the plan1

63% average retail savings for Blue View

VisionSM members using network providers 2

Our Dental benef ts i offer employees easy access to a

large number of dentists. That includes discounts and

services to help them keep up their dental health and

prevent long-term problems.

127,000 dentists and 385,000 places to

get care

35% average discount on covered dental

services when using a dentist in the plan

Extra cleaning or periodontal maintenance for

employees in one of our medical care

management programs for certain conditions3

Retail and online partners

RX CHOICE TIERED

NETWORK

Many choices and great coverage

This network of pharmacies gives your clients choice and

f exibility for f lling prescriptions with two levels of coverageil

in the network.

Level 1

Prescriptions are f lled for the copay or percentage of thei

drug costs normally paid as part of the prescription drug

plan.

Level 1 includes popular chains such as:

· CVS

· Target

· Walmart

· Kroger

· Safeway

Level 2

More pharmacy choices are available, but it will cost a little

more – an extra amount on top of the share of the drug cost

depending on the benef t – no matter which drug is f lled. ii

Pharmacies available on Level 2 include:

· Walgreens

· Rite Aid

· Giant Eagle

Employees can register at livehealthonline.com

or download the free mobile app.

HEALTHY SUPPORT

A lower-cost health plan with rewards for all

Coverage:

· Standard health coverage with higher deductibles and

copays

· Free preventive care coverage

· Discounts on over-the-counter drugs, vitamin and alternative

medicines

· Pharmacy coverage for generics and certain brand-name

drugs when generics aren’t available

Providers:

· Access to a large network of doctors

Help

· Premium Customer Service

Health and Wellness Rewards*:

· $50 gift cards for: getting a yearly f u shot; completing al

yearly preventive wellness exam; and for tobacco-free

certif cation** i

· Up to $400 yearly gym reimbursement

· Up to $150 in Healthy Lifestyles gift cards

*Must be 18 years and older to qualify - members, covered

spouse/partner and dependents 18 and older are eligible.

**Health Action Plans are available if an employer is not

tobacco-free.

Learn more about Healthy Support at:

www.anthem.com/hsactive.

Why LiveHealth Online?

LIVEHEALTH ONLINE:

ACCESS TO CARE

ANYTIME, ANYWHERE

 Convenience. Access to care right from

the home or off ce. i

 Choice. Employees can select from a

range of doctors and therapists.

 Cost. Depending on the health plan,

employees pay $49 or less per visit1 to see

a doctor, and visits with a therapist or

psychiatrist cost about the same as an

off ce therapy visit. i

Employees can use LiveHealth Online to have video

visits with board-certif ed doctors from a computer withi

a webcam or mobile device. In minutes, doctors can

address common health issues such as colds, allergies

and headaches. They’ll then assess conditions, provide a

treatment plan and send prescriptions to a pharmacy, if

needed. Spanish-speaking doctors are available by

appointment from 7 a.m. to 11 p.m., 7 days a week using

Cuidado Médico.

LiveHealth Online also has professionals available to

address mental health, allergies, wellness, and some

that specialize in kids’ health. Employees can see a

licensed therapist or board certif ed psychiatrist in justi

a few days.1

Employees can register at

livehealthonline.com or download the

free mobile app.

1 Appointments subject to availabiity of the mental health professional.

Improving care while keeping costs down

Enhanced Personal Health Care (EPHC) holds providers

accountable for cost and quality outcomes. This

patient-centered approach:

Rewards doctors for managing and improving

overall patient health, meeting quality

standards and lowering costs

Improves patient experience with 24/7

access to care, extended ofﬁce hours,

same-day and weekend appointments, better

phone and email access to doctors

Why EPHC matters

}

}Better disease management and care coordination that

can reduce hospitalizations and unnecessary tests

ENHANCED PERSONAL

HEALTH CARE

* Cost and utilization metrics based on a difference in difference analysis of members with a relationship

to an EPHC provider compared to a matched sample control group. Data range from 4/1/13 - 9/30/16.

1 Per attributed member per month. Gross medical savings. Net savings is $10.39 after provider gain

share and clinical coordination payments. Excludes RX.

Gives providers support, data and incentives to

help them deliver improved care coordination

that’s more eff cient and effective i

The results*

$15.42 (4.1%) savings per member per month1

1.9% savings on ER visits

8.9% savings on inpatient care

5.8% savings in outpatient surgery costs

7.6% decrease in inpatient admissions

Better health outcomes for and your

employees

HELP EMPLOYEES BE

THEIR HEALTHY BEST

These resources help employees get support for

every life stage.

24/7 NurseLine

 Round-the-clock answers to health questions

 Help deciding where to go for care

Future Moms

 Education and support during pregnancy

 Assessments to help f nd risks i

 Nurses on call for questions and follow-up

throughout pregnancy

 Breastfeeding support through

LiveHealth Online

MyHealth Advantage

 Claims reviewed for gaps in care and

health risks

 Conf dential MyHealth Note sent toi

employees offering suggestions to

improve health

Condition Care

 Support for employees with a

chronic condition

 Personalized plan from a nurse coach and

team of specialists

Case Management

 Proactive outreach to employees who are

hospitalized or have a serious illness

 Support from a nurse care manager and

other health professionals

Personalized customer service and care support

Our guides work closely with health care professionals

and offer support needed like:

Reminders for preventive and

follow-up care

Resources for comparing costs, ﬁnding

in-network doctors and more

Clinical alerts for care gaps and savings on

services and medications.

MEET ANTHEM

HEALTH GUIDE

With Anthem Health Guide, employees have access to

highly-trained professionals, backed by smart

technology and analytics. This helps them stay involved

in their health, get more value from their benef ts andi

navigate the health care system more eff ciently.i

Employees can call, request a scheduled call back,

email or have an online chat on a computer or through

our app.

Cancer support for employees, family

members and caregivers through treatment

Behavioral health support for employees or

family members with mental health, drug and

alcohol abuse or other personal issues

Compare prices at different locations.

Choose from the list of lower-cost locations

and book the appointment.

Get cash back (in about 4-6 weeks), once the

procedure is complete and the claim is paid.

Here’s just some of the health services that qualify

for rewards:

Health service Reward

May not be available on all plans. Check with your Anthem Sales representative for details.

SMARTSHOPPER OFFERS

EMPLOYEES

CASH REWARDS

When employees shop smart for certain

health services, they’ll get rewarded

Prices for the same quality health services, like health

screenings and surgeries can vary by hundreds to

thousands of dollars depending on the location. With

SmartShopper, employees can get help f nding lower-costi

options when their doctor recommends a medical

procedure so they can save money and earn cash rewards!

Here’s all they need to do:

Register with SmartShopper by calling or

going to vitalssmartshopper.com.

Colonoscopy

CT scan

Gallbladder removal Up to $250

Up to $150

Vision and hearing

Fitness and health

Family and home

Medicine and treatment

*All discounts are subject to change without notice.

SPECIALOFFERS@

ANTHEMSM FOR

HEALTHY SAVINGS*

With SpecialOffers@AnthemSM, employees get discounts

on products and services that promote better health and

well-being. Here’s a peek at the perks:

See the discounts

Employees can log in to anthem.com and select

Discounts.

 Jenny Craig®

 GlobalFit™

 Active&Fit Direct™

 SelfHelp Works

 1-800 CONTACTS®

 Premier LASIK

 Puritan’s Pride

 Allergy Control products

 WINFertility®

 Safe Beginnings®

 ASPCA Pet Health Insurance

Within the United States

}

Outside of the United States

BLUECARD® MAKES

GETTING CARE EASY

ALMOST ANYWHERE

Employees take health care benef ts with them across thei

country and around the world.

The BlueCard® program gives employees access to

doctors and hospitals almost everywhere, giving them

peace of mind that they can f nd the health care provideri

they need no matter where they are in the world.

Employees have coverage for medically

necessary emergency and urgent care with

access to doctors and hospitals worldwide

through the Blue Cross Blue Shield

Global Core program.

Our PPO plans also include coverage for

nonemergency care across the U.S. and while

traveling abroad.

Employees are covered for medically

necessary emergency and urgent care in all

50 states, whether care is needed in a rural

or urban area.

When a member sees a network provider

there are:

 No claims forms to complete

 No payment upfront for medical services

except for the usual out-of-pocket

expenses.

 Explanation of benef ts received from thei

employees’ plan.

1 Not available on all plans.

2 Available for iOs 9 and above and for Android versions 6 and above.

Access at-a-glance account information through

My Summary1.

Log in with their ﬁngerprint via

touch authentication2.

Quickly ﬁnd providers or

urgent care centers.

Save their ID card to their phone or share, fax or

email an ID card directly to their provider.

Chat conﬁdentially with our Member

Services team.

Receive push alerts when there are changes to

claims or other updates.

MOBILE ANTHEM

ANYWHERE APP

The Anthem Anywhere app is better and faster than

ever, making it easy for employees to manage their

care and coverage right from their smartphone.

With a quick tap, employees can:

LET’S DO THIS, TOGETHER

Choosing a health plan isn’t easy, but we want it to be. The plans you’re about to see have been

created to be easy for you to quote and administer and easy for your clients and their employees

to use.

Select the links below to view Anthem’s products for 2019.

As you view our portfolio, you’ll see all types of plan designs that are as unique and different as

your clients.

Medical plan grid

Balanced Funding Medical product grid

Dental plan grid

Vision plan grid

Life & Disability plan grid