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Medical

Medical

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

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)
Generic – Ded+50%
Brand – Ded+50%
Non-Brand – Ded+50%
Specialty – Ded+50%

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

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

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

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

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

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

Employee Cost Per Pay:

  Platinum Bi-Weekly Rates
Employee Only $164.00
Employee + Spouse $347.00
Employee + Child(ren) $271.00
Family $487.00