Grow Your Business With Anthem

Building and growing any business needs the right support from the right partner. With our broad portfolio of products, we can help you find the perfect healthcare package for every one of your clients.

Our Product Portfolio: Health Plans For Whole Health

 

We’re committed to the power of integration, connecting medical, pharmacy, dental, vision, and other coverage. Our vast network, AI technology and innovative plans combine for a best-in-class experience focused on whole person health.

We offer tailored, high-value health plans that give your clients more choices. Our affordable, flexible, group products include customizable Consumer Driven Health Plans (CDHP), a wide range of deductible/coinsurance and pharmacy options to reduce your clients’ costs. Plus, our funding options and group health expense accounts offer even more ways to manage health care expenses.

 

National Presence

 

We provide access to an extensive network of PPO providers through the Blue Cross Blue Shield Association’s BlueCard® program. This nationwide capability, along with access to local, in-network care, is our commitment to improving the health of our communities. Our services are right where you, your clients, and their members live and work.

 

Peace Of Mind

 

Partnering with Anthem, an industry leader, means being able to offer your clients the strength and peace of mind of:

 

   A suite of meaningful, cost-saving solutions

 

   Doctor-patient relationships that can improve overall care

 

   Provider collaboration that facilitates innovation 

 

   Cost-of-care strategies that members value 

 

Robust Networks

 

As an Anthem broker, you can assure your clients that they’ll have access to the largest networks: locally, nationwide, and online. This includes:

 

   Cost-effective network options and discounts to help your client’s bottom line

 

   Integrated programs and services to improve health and reduce costs

 

   Strong provider partnerships for better long-term health and cost savings

 

   National strength with a local presence 

Our pharmacy program, powered by our pharmacy benefit manager, CarelonRx, is grounded in a steadfast commitment to whole health and a simplified experience. This whole-health approach addresses the big picture of medical and pharmacy costs and outcomes.

 

The Power Of Integration

 

It’s vital for a health plan to coordinate medical and pharmacy when making clinical and coverage decisions. A PBM that only has visibility into the drug claims they process won’t see the entire picture, which means they cannot fully manage pharmacy spend. Through our integrated approach, we’re able to see data and manage across medical and pharmacy benefits to improve health outcomes and lower total cost of care.

 

Experience Counts: Our Rich Legacy of Pharmacy Management

 

   Over $18 billion annual pharmacy spend2

 

   30 years driving pharmacy strategy

 

   Over 6,000 dedicated pharmacy associates2

 

   70,000 network pharmacies2

 

   175 million annual pharmacy claims2

 

Our Commitment To You:

 

   Maximizing whole health

 

   Demystifying pharmacy

 

   Creating a seamless experience

Anthem Whole Health Connection® focuses on whole-person health — connecting medical coverage with behavioral, specialty, and pharmacy services. By leveraging our vast network and combining it with emerging technologies, we can deliver a best-in-class experience focused on the needs of the whole person. The result: better health, lower costs, and a better customer experience.

 

   Save when you add dental, vision, life, disability and more to your client’s medical coverage. We offer small and large group savings programs for fully insured and self-insured clients.

 

   When benefits are connected, our network providers see a complete view of a member’s health in order to close gaps in care and improve outcomes. 5.7M average monthly care gaps were identified by Anthem and 1.45M average monthly care gaps were closed.3

 

   Integrated medical and pharmacy programs drive $368 PMPY lower average medical, 11.6% lower outpatient, and 5.5% lower inpatient costs.4

 

   The medical spend for those who used EAP was $75 per member/per month less than those who did not use EAP.5

Dental insurance is about more than just teeth—it’s about caring for the whole body. Anthem dental plans deliver flexibility, unmatched network access, and broad, innovative benefits. We offer standalone dental benefits. Or, when combined with an Anthem medical insurance plan, we coordinate whole-person care across plans for improved outcomes and savings for your clients.

 

Excellent Coverage — Our plans include preventive coverage for regular cleanings, exams, x-rays, as well as procedures like fillings, crowns, and root canals. We even offer teledentistry, Ortho@Home, and extended services for certain medical conditions.

 

Flexible PortfolioOur options are all customizable so we can meet any of your clients’ needs. We offer choices for annual maximums, deductibles and coinsurances, and out-of-network reimbursement.

 

Extensive Networks — With over 137,000* providers at over 571,000* locations, our network ensures that your clients and their members will find in-network dentists near where they live and work.

* Zelis Network360 data, July 2022

Anthem’s vision plans deliver unmatched flexibility and diverse networks for easy access to care and savings. We offer standalone vision coverage. Or, when combined with an Anthem medical insurance plan, we coordinate whole-person care across plans for improved outcomes and savings for your clients.

 

Exceptional Coverage — Our plans cover check-ups and eye exams, allowances for glasses (single, bifocal, and trifocal lenses) or contacts, and new frames every 12 or 24 months.

 

Flexible Portfolio — Our broad portfolio of plans and cost share levels provide choices that best meets your clients’ needs. Options include exam only, materials only, or full-service coverage. We even offer plans with special benefits for active kids and young adults.

 

Extensive NetworksWith over 40,000* eye doctors at over 30,000* locations nationwide, our network ensures that your clients and their members will find in-network providers near where they live and work.

 

Strategic Partnerships — We partner with the best in the industry. Your clients will have access to local independent eye doctors and regional and national providers: LensCrafters®, Pearle Vision®, and Target Optical®. Plus, members have 24/7 access to online providers, including Glasses.com®, ContactsDirect®, 1-800 CONTACTS®, and Ray-Ban.com®.

 

* Zelis Network360 data, July 2022

Life insurance from our affiliate — Anthem Life & Disability Insurance Company — can help your clients protect their financial security if the unexpected disrupts the income they depend on. We provide group term life insurance and financial wellness resources that employees and their families can use right now, plus support services for claims later on.

 

Standard features include waiver of premium and living benefits. Also includes flexibility to customize with a choice of flat amounts or salary-based benefit options, competitive guaranteed issue coverage, maximums, and portability.

 

Products include:

 

   Basic life, basic dependent life

 

   Accidental death and dismemberment (AD&D)

 

   Supplemental life, supplemental dependent life, and supplemental AD&D

 

   Voluntary life, voluntary dependent life, and voluntary AD&D

 

Members also receive Resource Advisor, a personalized counseling service that includes 24/7 phone consults and up to three in-person or video chats in the first six months.

Life and Disability products are underwritten by Anthem Life & Disability Insurance Company, an affiliate of Empire HealthChoice Assurance, Inc. Independent licensees of the Blue Cross and Blue Shield Association. Anthem is a registered trademark of Anthem Insurance Companies, Inc. Life insurance benefits provided under Certificate Form Number LBO A NY 0105 C REV 0209. Disability insurance benefits provided under Certificate Form Number DLS A NY 1113 C. The expected benefit ratio for the Disability policies is 60% for groups of less than 50 lives, and 65% for groups of 50 or more lives. This ratio is the portion of future premiums which the company expects to return as benefits, when averaged over all people with this policy. This policy provides disability income insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services.

Implementing a leave management strategy and ensuring compliance is time consuming for employers. Your clients can count on our affiliate — Anthem Life & Disability Insurance Company — to make managing disability and leave programs as simple and streamlined as possible.

 

Our comprehensive product portfolio includes Family and Medical Leave Act (FMLA), Americans with Disabilities Act (ADA), state leaves, company leaves, short-term disability (STD) and long-term disability (LTD).

 

Our services include:

 

   Partnering with clients to develop an effective implementation plan.

 

   Monitoring all applicable laws and regulations to ensure compliance.

 

   Providing client-specific insights through real-time analytics and reporting to help identify trends and increase productivity.

 

   An account team and designated claim manager to deliver seamless implementation and quicker resolution.

 

   We connect medical and disability care management teams to help prevent a disability claim and better manage the ones submitted, which helps lower costs by keeping employees at work or keeping their time away shorter.

 

   Our claim managers can transfer members directly to a Resource Advisor counselor. Employees can also call directly for 24/7 phone access to a counselor for emotional issues, face-to-face or virtual counseling, legal advice, financial counseling and a website full of information to help during a disability.

 

Life and Disability products are underwritten by Anthem Life & Disability Insurance Company, an affiliate of Empire HealthChoice Assurance, Inc. Independent licensees of the Blue Cross and Blue Shield Association. Anthem is a registered trademark of Anthem Insurance Companies, Inc. Life insurance benefits provided under Certificate Form Number LBO A NY 0105 C REV 0209. Disability insurance benefits provided under Certificate Form Number DLS A NY 1113 C. The expected benefit ratio for the Disability policies is 60% for groups of less than 50 lives, and 65% for groups of 50 or more lives. This ratio is the portion of future premiums which the company expects to return as benefits, when averaged over all people with this policy. This policy provides disability income insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services.

Your large group clients can support their employees with supplemental health plans from Anthem. They reduce the impact of out-of-pocket expenses when employees face a health emergency.

 

An unexpected illness or injury can cause financial hardship. We offer three supplemental health benefit plans to help:

 

   Accident

 

   Critical Illness

 

   Hospital Indemnity

 

Plans immediately pay lump-sum benefits that employees can use as they see fit, including for medical costs or daily living expenses during recovery. Supplemental health plans also include:

 

   Automatic notification of benefits when members with Anthem medical and Anthem supplemental health benefits have an eligible claim.

 

   No pre-existing condition exclusions for covered accidents or illnesses that occur after the effective coverage date.

 

   Enrollment with no medical evidence needed.

 

   Perpetual guaranteed issue during open enrollment and ongoing annual enrollments.

 

Supplemental health plans can be offered as employer paid or voluntary employee-paid plans. 

For some of your clients, balancing rising health costs with a competitive benefits program can be challenging. With our voluntary benefits and enrollment services, your clients can attract and retain the best employees — while keeping costs in check. That’s because our specialty benefit plans can also be sold as voluntary options — paid 100% by employees through payroll deduction.

 

With voluntary specialty plans, we’ll even help your clients conduct enrollment. In person or online, our Voluntary Solutions team will walk your clients’ employees through all their new benefits and services, for maximum enrollment participation. Available for large group clients.

The Power Of Anthem

We cover 1 in 3 Americans.1

We feature 1.9 million providers — that’s 95% of doctors nationwide.1

82% of Fortune 100 companies have a Blue plan.1

Ready To Partner With Anthem?

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1  Blue Cross and Blue Shield website: Personalized Healthcare, Nationwide (accessed October 2018): bcbs.com.

2  Internal data (December 2018).

3 Source: Anthem 2021 data. January 2022.

4 HealthCore, Inc. The Value of Pharmacy and Medical Benefit Integration, 2020.

5 Source: 2018 EAP Program Evaluation.