2018 National Medical Plan Options
K-C offers national medical plans that give you more control of your health care spend and saving for your future. All of the plan options offer access to Anthem’s national network of doctors and CVS/caremark’s network of pharmacies. They also all provide free preventive care.
Introducing Blue and Green
With your two medical plan options, the Consumer Driven Health Plan (CDHP) Blue with Health Savings Account (HSA) and CDHP Green with HSA, K-C gives you more choices and control over how you pay for health care.
No matter which option you choose, both CDHP Blue and Green:
- Work the same way
- Offer the same coverage
- Operate under the same Anthem BlueCross BlueShield network of providers
- Experience the same network discounts
- Receive the same HSA contribution from K-C
Have other coverage outside of K-C?
If you’re enrolled in TRICARE or Medicare, or are participating in another plan outside of K-C that doesn’t qualify for a high-deductible health plan, the IRS specifies that you cannot contribute to or receive company contributions into an HSA. This restriction also applies if you receive Veterans Administration benefits for the three months prior to an HSA contribution. You’ll be given an opportunity to designate your TRICARE, Medicare, Veterans Benefits, or alternate plan eligibility during the enrollment process. You’ll then be offered a CDHP with a Health Reimbursement Account (HRA) that meets the IRS regulations.
Plan Comparison & Paycheck Costs
When comparing the plans, it's important to note that a separate deductible, out-of-pocket maximum, and coinsurance apply to out-of-network services. Print a PDF of this comparison for reference. Just remember, the paycheck costs doesn’t always tell the full story. For a better understanding of the full cost, try the Medical Enrollment Tool.
Go GREEN if...
you prefer paying less out of your paycheck now, but having a higher deductible and out-of-pocket maximum to meet when you need care, then you might prefer the CDHP Green with HSA.
Go BLUE if...
you prefer paying more out of your paycheck now, but having a lower deductible and out-of-pocket maximum to meet when you need care, you might prefer the CDHP Blue with HSA.
How a CDHP with HSA Works
The CDHP determines what and how your health care is covered and the HSA is where and how you save and pay for health care tax-free. That means for the CDHP:
Your annual checkups and other preventive care are 100% paid by the plan — as long as you see an in-network provider. If you go out of network for preventive care, you’ll pay the entire cost of that care. If you need any medical care beyond your annual checkup, you pay the full Anthem-negotiated cost out of your HSA or out of pocket until you reach your deductible.
If you reach your deductible, K-C pays 80% of the cost and you pay the remaining 20% when you use Anthem network providers.
Certain prescription drugs are covered at 100% by the plan without having to meet the deductible; for all other drugs, you pay the full Caremark network cost until you meet your deductible — then K-C pays 80% and you pay 20%.
If you reach your out-of-pocket maximum, the plan pays 100% of your covered medical services and prescription drugs for the rest of the year, as long as you're enrolled in a CDHP with HSA.