CrossCountry Mortgage currently offers four different options for Medical coverage which includes a Qualified High Deductible Health Plan (Bronze Plan) through Anthem BlueCross BlueShield. Listed below are the different options and the costs associated with each option. Cost is listed as the employee cost per bi-weekly pay.
Anthem Bronze Plan
HOW THE PLAN WORKS
Plan Type: High Deductible Health Plan
Preventive Care: The plan pays 100% for in-network preventive care.
Annual Deductible: You pay all non-preventive care costs, including prescription drugs, up to the annual deductible. The annual deductible is $5,000 for Individual and $10,000 for Family when you use in-network providers.
Preventative Prescription Medication: This plan covers some preventative medications at 100% (See list under resources).
Coinsurance: Once you have met the deductible, you will pay coinsurance for services received. When you use in-network providers, your coinsurance cost will be 25% for individual and family.
Out-of-Pocket Maximum: This is the most that you will have to pay for covered services in a plan year. All medical and prescription drug deductibles, copayments and coinsurance apply toward the out-of-pocket maximum. Once you meet the out-of-pocket maximum, then the plan pays 100% of your eligible expenses, including the cost of all office visits and prescription drugs, for the remainder of the year.
LiveHealth Online (LHO): This is Anthem’s telemedicine option. MDLive lets you get the care you need – including most prescriptions (when appropriate) – for a wide range of minor conditions. You can connect with a board-certified provider via video chat or phone, when, where and how it works best for you. LHO has a copay of $59 for this plan. Download the LHO flyers in the Resource Box for additional information.
| In-Network | Out-of-Network | |
| Annual Year Deductible (Individual/Family) |
$5,000/$10,000 | $8,000/$16,000 |
| Coinsurance | 25% | 50% |
| Out of Pocket Maximum (Includes Deductible) |
$6,000/$12,000 | $12,000/$24,000 |
| Preventive Care | Covered at 100% | Ded + 50% |
| Primary Office Visit (PCP) | Ded + 25% | Ded + 50% |
| Specialist Office Visit | Ded + 25% | Ded + 50% |
| LiveHealth Online | $59 copay | Ded + 50% |
| Inpatient Hospital Services | Ded + 25% | Ded + 50% |
| Outpatient Hospital Services | Ded + 25% | Ded + 50% |
| Emergency Room Care | Ded + 25% | Ded + 50% |
| Urgent Care | Ded + 25% | Ded + 50% |
| Prescription Drugs | ||
| Retail Prescription Drugs (30 day supply) |
Preventative Rx – covered at 100% (refer to list) Generic – Ded+$10 copay Brand – Ded+$35 copay Non-Brand – Ded+$70 copay Specialty – Ded+25% up to $250 |
|
| Mail Order (90-day supply) |
Preventative Rx – covered at 100% (refer to list) |
|
Resources
Resources
Employee Cost Per Pay:
| Bronze Bi-Weekly Rates | |
| Employee Only | $45.00 |
| Employee + Spouse | $140.00 |
| Employee + Child(ren) | $106.00 |
| Family | $196.00 |
If you are enrolled in the HSA medical plan, you have access to the Health Savings Account (HSA) administered by PNC. An HSA is like a 401(k) plan but for healthcare. It is a tax-advantaged personal savings or investment account that individuals can use to save and pay for qualified healthcare expenses, now or in the future. For more information on how an HSA works and CrossCountry’s contribution, please see the Health Savings Account page.
Anthem Silver Plan
HOW THE PLAN WORKS
Plan Type: PPO
Preventive Care: The plan pays 100% for in-network preventive care.
Annual Deductible: For non-preventive care there is an annual deductible that must be met. The annual deductible is $3,000 for Individual coverage and $6,000 for Family coverage when you use in-network providers.
Coinsurance: Once you have met the deductible, you will pay coinsurance for services received. When you use in-network providers, your coinsurance cost will be 20% for individual and family.
Out-of-Pocket Maximum: This is the most that you will have to pay for covered services in a plan year. All medical and prescription drug deductibles, copayments and coinsurance apply toward the out-of-pocket maximum. Once you meet the out-of-pocket maximum, then the plan pays 100% of your eligible expenses, including the cost of all office visits and prescription drugs, for the remainder of the year.
LiveHealth Online (LHO): This is Anthem’s telemedicine option. MDLive lets you get the care you need – including most prescriptions (when appropriate) – for a wide range of minor conditions. You can connect with a board-certified provider via video chat or phone, when, where and how it works best for you. LHO has a copay of $10 for this plan. Download the LHO flyers in the Resource Box for additional information.
| In-Network | Out-of-Network | |
| Annual Year Deductible (Individual/Family) |
$3,000/$6,000 | $9,000/$18,000 |
| Coinsurance | 20% | 50% |
| Out of Pocket Maximum (Includes Deductible) |
$6,250/$12,250 | $12,500/$25,000 |
| Preventive Care | Covered at 100% | Ded + 50% |
| Primary Office Visit (PCP) | $35 copay | Ded + 50% |
| Specialist Office Visit | $70 copay | Ded + 50% |
| LiveHealth Online | $10 copay | Ded + 50% |
| Inpatient Hospital Services | Ded + 20% | Ded + 50% |
| Outpatient Hospital Services | Ded + 20% | Ded + 50% |
| Emergency Room Care | $250 copay | $250 copay |
| Urgent Care | $100 copay | Ded + 50% |
| Prescription Drugs | ||
| Retail Prescription Drugs (30 day supply) |
Generic – $10 copay Formulary – $35 copay Non-Formulary – $60 copay Specialty –25% up to $250 |
|
| Mail Order (90-day supply) |
Generic – $25 copay Formulary – $87 copay Non-Formulary – $175 copay |
|
Resources
For additional information on Anthem’s Pharmacy Coverage please visit, click here.
Recursos
Employee Cost Per Pay:
| Silver Bi-Weekly Rates | |
| Employee Only | $91.00 |
| Employee + Spouse | $209.00 |
| Employee + Child(ren) | $163.00 |
| Family | $296.00 |
Anthem Gold Plan
HOW THE PLAN WORKS
Plan Type: PPO
Preventive Care: The plan pays 100% for in-network preventive care.
Annual Deductible: For non-preventive care there is an annual deductible that must be met. The annual deductible is $1,500 for Individual coverage and $3,000 for Family coverage when you use in-network providers.
Coinsurance: Once you have met the deductible, you will pay coinsurance for services received. When you use in-network providers, your coinsurance cost will be 20% for individual and family.
Out-of-Pocket Maximum: This is the most that you will have to pay for covered services in a plan year. All medical and prescription drug deductibles, copayments and coinsurance apply toward the out-of-pocket maximum. Once you meet the out-of-pocket maximum, then the plan pays 100% of your eligible expenses, including the cost of all office visits and prescription drugs, for the remainder of the year.
LiveHealth Online (LHO): This is Anthem’s telemedicine option. MDLive lets you get the care you need – including most prescriptions (when appropriate) – for a wide range of minor conditions. You can connect with a board-certified provider via video chat or phone, when, where and how it works best for you. LHO has a copay of $10 for this plan. Download the LHO flyers in the Resource Box for additional information.
| In-Network | Out-of-Network | |
| Annual Year Deductible (Individual/Family) |
$1,500/$3,000 | $3,000/$6,000 |
| Coinsurance | 20% | 40% |
| Out of Pocket Maximum (Includes Deductible) |
$5,000/$10,000 | $10,000/$20,000 |
| Preventive Care | Covered at 100% | Ded + 40% |
| Primary Office Visit (PCP) | $25 copay | Ded + 40% |
| Specialist Office Visit | $50 copay | Ded + 40% |
| LiveHealth Online | $10 copay | Ded + 40% |
| Inpatient Hospital Services | Ded + 20% | Ded + 40% |
| Outpatient Hospital Services | Ded + 20% | Ded + 40% |
| Emergency Room Care | $250 copay | $250 copay |
| Urgent Care | $75 copay | Ded + 40% |
| Prescription Drugs | ||
| Retail Prescription Drugs (30 day supply) |
Generic – $10 copay Formulary – $35 copay Non-Formulary – $60 copay Specialty –25% up to $250 |
|
| Mail Order (90-day supply) |
Generic – $25 copay Formulary – $87 copay Non-Formulary – $175 copay |
|
Resources
For additional information on Anthem’s Pharmacy Coverage please visit, click here.
Recursos
Employee Cost Per Pay:
| Gold Bi-Weekly Rates | |
| Employee Only | $125.00 |
| Employee + Spouse | $273.00 |
| Employee + Child(ren) | $215.00 |
| Family | $389.00 |
Anthem Platinum Plan
HOW THE PLAN WORKS
Plan Type: PPO
Preventive Care: The plan pays 100% for in-network preventive care.
Annual Deductible: For non-preventive care there is an annual deductible that must be met. The annual deductible is $500 for Individual coverage and $1,000 for Family coverage when you use in-network providers.
Coinsurance: Once you have met the deductible, you will pay coinsurance for services received. When you use in-network providers, your coinsurance cost will be 10% for individual and family.
Out-of-Pocket Maximum: This is the most that you will have to pay for covered services in a plan year. All medical and prescription drug deductibles, copayments and coinsurance apply toward the out-of-pocket maximum. Once you meet the out-of-pocket maximum, then the plan pays 100% of your eligible expenses, including the cost of all office visits and prescription drugs, for the remainder of the year.
LiveHealth Online (LHO): This is Anthem’s telemedicine option. MDLive lets you get the care you need – including most prescriptions (when appropriate) – for a wide range of minor conditions. You can connect with a board certified provider via video chat or phone, when, where and how it works best for you. LHO has a copay of $10 for this plan. Download the LHO flyers in the Resource Box for additional information.
| In-Network | Out-of-Network | |
| Annual Year Deductible (Individual/Family) |
$500/$1,000 | $1,000/$2,000 |
| Coinsurance | 10% | 40% |
| Out of Pocket Maximum (Includes Deductible) |
$3,000/$6,000 | $6,000/$12,000 |
| Preventive Care | Covered at 100% | Ded + 40% |
| Primary Office Visit (PCP) | $20 copay | Ded + 40% |
| Specialist Office Visit | $40 copay | Ded + 40% |
| LiveHealth Online | $10 copay | Ded + 40% |
| Inpatient Hospital Services | Ded + 10% | Ded + 40% |
| Outpatient Hospital Services | Ded + 10% | Ded + 40% |
| Emergency Room Care | $250 copay | $250 copay |
| Urgent Care | $75 copay | Ded + 40% |
| Prescription Drugs | ||
| Retail Prescription Drugs (30 day supply) |
Generic – $10 copay Formulary – $35 copay Non-Formulary – $60 copay Specialty –25% up to $250 |
|
| Mail Order (90-day supply) |
Generic – $25 copay Formulary – $87 copay Non-Formulary – $175 copay |
|
Resources
For additional information on Anthem’s Pharmacy Coverage please visit, click here.
Recursos
Employee Cost Per Pay:
| Platinum Bi-Weekly Rates | |
| Employee Only | $164.00 |
| Employee + Spouse | $347.00 |
| Employee + Child(ren) | $271.00 |
| Family | $487.00 |
