YNHHS Medical Plan

What you need to know

The YNHHS Medical Plan connects you to the world-class care provided by our Signature networks of facilities and providers. Of course, you can also use Anthem PPO or out-of-network providers, but you’ll usually pay more if you do. The medical plan is administered by Anthem Blue Cross and Blue Shield.

How the Plan Works

What You Pay for Care

Save with YNHHS Providers & Facilities

When to Connect with Anthem

Connect with the Signature network

The Signature network includes: YNHHS facilities/hospitals, PCP’s from NEMG, Community Medical Group (CMG), Yale Medicine (YM), WestMed in CT, Trinity Health of New England hospitals and affiliated physicians. Also included are specialists from YM, NEMG, CMG and Trinity Health, and those credentialed at YNHHS.

View the Tier 1/Signature Network (YNHHS username and password is required).

View the Trinity Health of New England facilities. Note: Only CT locations are included in the Tier 1/Signature Network.

Patient Resource Coordinators are available to assist you with your Tier 1/Signature Network needs, such as:

Finding a physician,
Making an appointment,
Signing up for My Chart, and
Claims issues.

Contact them by calling 844-543-2147, press option 3.

How the Plan Works

The YNHHS Medical Plan is designed to help keep you and your family healthy. Used in tandem with your other benefits—including care and condition management and coaching services—it’s here to support you when you need care.

You’ll pay nothing for preventive care—including some preventive tests and prescription medications—when you use network providers.
If you choose a provider in Tier 2, you will have to meet a $3,500 (individual)/$7,000 (family) deductible before receiving reimbursement for certain types of services.
Behavioral health and substance abuse benefits are included in the medical plan.
You only need to meet one combined annual out-of-pocket maximum for medical and prescription drugs. All your copays and coinsurance for covered services are applied toward this maximum. Once the out-of-pocket maximum is met, the plan pays 100% of eligible expenses for the remainder of the calendar year for each enrolled person.
Special rules apply when you or your covered dependents are covered by more than one plan.

You may choose to waive medical coverage if you’re covered by another plan or your spouse is a YNHHS employee.

How much you pay for care depends on the provider or facility you choose:

Signature Network—YNHHS Facilities & Providers

When you use a Signature network provider and facility, you’ll pay less for covered services. You pay a flat copay for care and do not have to pay a deductible before the plan begins to pay benefits.

Note: Some Signature Network providers also provide care at facilities that are not in our health system. If you receive care at these other sites, you will pay higher costs for these facilities. For example, a surgeon who practices at Signature network facilities may also perform surgery at private surgical centers. If your surgery is done at a private center, you would pay the Anthem PPO network or Out-Of-Network rate for the doctor and the facility.

You’ll generally pay a flat copay for care when you use Signature network providers and facilities, including:
- Facilities owned by Yale New Haven Health and Trinity New England
- Our Signature clinician network of primary care providers and specialists who are credentialed at a facility owned by Yale New Haven Health
- Connect with the Tier 1/Signature Network (YNHHS username and password is required)
Use the links below to search for a YNHHS facility that provides these services:
Once you meet your annual out-of-pocket maximum, the plan will pay 100% of covered expenses through that calendar year.

Anthem PPO Providers

When you choose to receive care from an Anthem Century Preferred Network provider:

If you choose a provider in Tier 2, you will have to meet your annual deductible before receiving reimbursement for certain types of services.
After you meet your deductible, you’ll generally pay 20% coinsurance or a copay until you reach your annual out-of-pocket maximum.
Once you meet your annual out-of-pocket maximum, the plan will pay 100% of covered expenses through that calendar year.

To find a provider in the Anthem Century Preferred Network, visit the Anthem website or call 888-266-2896. Or download the Anthem Sydney app to find health care services, resources, and important contacts. Learn more about Sydney [PDF].

Out-of-Network Providers

When you use a provider or facility that is not in the Signature or Anthem Century Preferred Network:

You’ll pay the most for care.
Anthem will pay a maximum allowable amount (MAA) for covered services.
You will be responsible for costs up to your annual deductible, coinsurance, and any difference between the MAA and the amount billed by the provider.
You’ll need to file a claim for the care to be covered. Payments will be made directly to the provider unless you submit a bill showing you’ve paid it already. Get a claim form and instructions.

No-cost vaccines for you and your dependents

You and your covered dependents can get no-cost vaccines for shingles, pneumonia, flu (ages 18 and older only), tetanus/diphtheria, and hepatitis A and B through the CVS Caremark Broader Vaccination Network.

Find a network pharmacy

What You Pay for Care

Below is a summary of how certain services are covered. For a more complete list and any limitations, visit HRConnect to view the summary plan description (SPD), which will be available on January 1, 2021.

To see employee premium contributions for the medical plan, visit the enrollment site.

Your Annual Deductible and Out-of-Pocket Maximum

Annual Deductible

Signature Facility/Provider

Individual: $0
Family: $0

Anthem PPO Provider

Individual: $3,500
Family: $7,000

Out-of-Network Provider

Individual: $10,000
Family: $20,000

Out-of-Pocket Maximum[1]

Signature Facility/Provider

Individual: $3,000
Family: $6,000

Anthem PPO Provider

Individual: $8,150
Family: $16,300

Out-of-Network Provider

Individual: $30,000
Family: $60,000

^[1] Amounts paid toward care provided by all in-network providers accumulate toward both the YNHHS and Anthem PPO out-of-pocket maximums. However, when the YNHHS in-network out-of-pocket maximum has been reached, amounts paid for YNHHS in-network care no longer accrue toward the Anthem PPO out-of-pocket maximum. Amounts paid for Anthem PPO in-network care continue to accrue until the Anthem PPO out-of-pocket maximum is met.

Office Visits and Physician Services

Primary Care Visit (in-person or electronic) [1,2]

Signature Facility/Provider

$10 copay

Anthem PPO Provider

$30 copay

Out-of-Network Provider

50% of MAA* after deductible

Specialist Office Visit (in-person or electronic) [1]

Signature Facility/Provider

$25 copay

Anthem PPO Provider

$50 copay

Out-of-Network Provider

50% of MAA* after deductible

Routine Adult Exam [1,3]

Signature Facility/Provider

0%, no copay

Anthem PPO Provider

0%, no copay

Out-of-Network Provider

50% of MAA* after deductible

Doctor or Surgeon Services [4]

Signature Facility/Provider

0%, $0 copay

Anthem PPO Provider

20% after deductible

Out-of-Network Provider

50% of MAA* after deductible

Allergy Shot in Doctor's Office (no MD visit)

Signature Facility/Provider

$10 copay

Anthem PPO Provider

$30 copay

Out-of-Network Provider

50% of MAA* after deductible

Nutrition Counseling and Diabetes Self-Management Training

Signature Facility/Provider

0%, no copay

Anthem PPO Provider

0%, $0 copay

Out-of-Network Provider

50% of MAA* after deductible

* Maximum allowable amount

^[1] Tests (e.g., some lab work) that are associated with office visits may be subject to a copay or deductible and coinsurance if they are not mandated by the ACA. Check with your provider or call Anthem to determine if a specific test is covered at 100%. In addition, some Tier 1 providers send lab work to a Tier 2 lab. In this case, the lab work is covered as a Tier 2 benefit.

^[2]Find a list of Signature providers.

^[3] One exam every calendar year starting at age 22 (includes immunizations).

^[4] Other than office visit; includes maternity claims.

Women and Children

Well-Woman Visit (OB/GYN preventive exam) [1]

Signature Facility/Provider

0%, $0 copay

Anthem PPO Provider

0%, $0 copay

Out-of-Network Provider

50% of MAA* after deductible

Mammography [2] (including 3D and bone density test)

Signature Facility/Provider

0%, $0 copay

Anthem PPO Provider

0%, $0 copay

Out-of-Network Provider

50% of MAA* after deductible

Screening Breast Ultrasound (if dense breast tissue or a history)

Signature Facility/Provider

$20 copay

Anthem PPO Provider

$20 copay

Out-of-Network Provider

50% of MAA* after deductible

Maternity Care [3] (initial visit)

Signature Facility/Provider

$10 copay

Anthem PPO Provider

$30 copay

Out-of-Network Provider

50% of MAA* after deductible

Well-Baby/Well-Child Care [4,5]

Signature Facility/Provider

0%, $0 copay

Anthem PPO Provider

0%, $0 copay

Out-of-Network Provider

50% of MAA* after deductible

Specialized Infant Formula

Signature Facility/Provider

N/A

Anthem PPO Provider

50% coinsurance

Out-of-Network Provider

50% of MAA* after deductible

Infertility Services [6]

Signature Facility/Provider

100% up to lifetime max with limits for certain services [6]

Anthem PPO Provider

50% up to lifetime max with limits for certain services [6]

Out-of-Network Provider

N/A

* Maximum allowable amount

^[1] One per calendar year. All other OB/GYN office visits are covered at the specialist office visit benefit level.

^[2] Screening mammography only. Does not include breast ultrasounds.

^[3] Prenatal care and delivery. Well visits to the obstetric provider are billed with one global fee that includes trimester visits, delivery, and postpartum care. Any maternity-related tests that are needed, such as blood work, glucose tolerance tests, stress tests, ultrasounds, or amniocentesis, are billed separately. Inpatient hospital and doctor or surgeon services also apply.

^[4] Seven exams from birth to age 1 year; seven exams from ages 1 to 5; one exam from ages 6 to 21.

^[5]Tests (e.g., some lab work) that are associated with office visits may be subject to a copay or deductible and coinsurance if they are not mandated by the ACA. Check with your provider or call Anthem to determine if a specific test is covered at 100%.

^[6]The plan covers in-network fertility services only through YNHHS and Anthem PPO providers. YNHHS providers: Yale Reproductive Endocrinology and Infertility (REI) Center and YNHHS Apothecary. 100% up to lifetime max of $14,000 for medical and freezing and transferring embryos, and 100% up to lifetime maximum of $2,000 for prescription drugs through the pharmacy benefit. Anthem PPO providers: 50% of covered medical services at a participating Anthem provider, plus covered prescription drugs at a participating CVS Caremark pharmacy, up to a combined lifetime maximum of $10,000.

Ancillary Services

Lab Services

Signature Facility/Provider

$25 copay

Anthem PPO Provider

20% after deductible

Out-of-Network Provider

50% of MAA* after deductible

Diagnostic Testing [1] (facility charges only)

Signature Facility/Provider

$25 copay

Anthem PPO Provider

20% after deductible

Out-of-Network Provider

50% of MAA* after deductible

High-Tech Diagnostic Imaging [2] (facility charges only)

Signature Facility/Provider

$100 copay

Anthem PPO Provider

20% after deductible

Out-of-Network Provider

50% of MAA* after deductible

Colorectal Cancer Screening [3]

Signature Facility/Provider

0%, $0 copay

Anthem PPO Provider

0%, $0 copay

Out-of-Network Provider

50% of MAA* after deductible

Chiropractic Visits [4]

Signature Facility/Provider

N/A

Anthem PPO Provider

$30 copay

Out-of-Network Provider

50% of MAA* after deductible

Physical and Occupational Therapy [4]

Signature Facility/Provider

$10 copay

Anthem PPO Provider

$30 copay

Out-of-Network Provider

50% of MAA* after deductible

Speech Therapy [4]

Signature Facility/Provider

$10 copay

Anthem PPO Provider

$10 copay

Out-of-Network Provider

50% of MAA* after deductible

Cardiac Rehabilitation [5]

Signature Facility/Provider

$10 copay

Anthem PPO Provider

$30 copay

Out-of-Network Provider

50% of MAA* after deductible

* Maximum allowable amount

^[1] Includes x-rays, echo stress tests, ultrasounds, diagnostic mammograms, sleep studies, and EKGs. Patients will receive a bill for the reading of the diagnostic testing and imaging (covered under “Doctor or Surgeon Services”).

^[2] PET, SPECT, MRI, MRA, CTA, and CAT.

^[3] Diagnostic colonoscopies covered under the outpatient surgery benefit level. Includes fecal occult blood test, barium enema, flexible sigmoidoscopy, and screening colonoscopy.

^[4] Chiropractic, physical therapy, occupational therapy, and speech therapy combined maximum: 50 visits per calendar year.

^[5] Cardiac rehabilitation: maximum 36 visits per calendar year.

Inpatient and Outpatient Care

Inpatient Hospital Services [1]

Signature Facility/Provider

$250 copay

Anthem PPO Provider

20% after deductible

Out-of-Network Provider

50% of MAA* after deductible

Outpatient Surgery [2]

Signature Facility/Provider

$100

Anthem PPO Provider

20% after deductible

Out-of-Network Provider

50% of MAA* after deductible

Infusion and Radiation Therapy (including medications) [3]

Signature Facility/Provider

$25 copay

Anthem PPO Provider

20% after deductible

Out-of-Network Provider

50% of MAA* after deductible

Pathologists, Radiologists, and Anesthesiologists [3]

Signature Facility/Provider

0%, $0 copay

Anthem PPO Provider

0%, $0 copay

Out-of-Network Provider

50% of MAA* after deductible

* Maximum allowable amount

^[1] Room and board, lab work, medical supplies, and other hospital ancillary services.

^[2] Hospital or surgical center facility charges only.

^[3] Some Tier 1 providers send lab work to a Tier 2 lab. In this case, the lab work is covered as a Tier 2 benefit.

Behavioral Health and Substance Abuse

Inpatient Treatment (facility charges only)

Signature Facility/Provider

$250 copay

Anthem PPO Provider

20% after deductible

Out-of-Network Provider

50% of MAA* after deductible

Outpatient Treatment [1]

Signature Facility/Provider

$10 copay

Anthem PPO Provider

$10 copay

Out-of-Network Provider

50% of MAA* after deductible

ABA Therapy [2]

Signature Facility/Provider

N/A

Anthem PPO Provider

$10 copay

Out-of-Network Provider

50% of MAA* after deductible

* Maximum allowable amount

^[1] The Employee and Family Resources (EFR) program provides up to six (6) confidential counseling sessions at no cost.

^[2] Applied behavioral analysis, up to age 21.

Urgent and Emergency Care and Telehealth

Emergency Department

Signature Facility/Provider

$250 copay

Anthem PPO Provider

$250 copay

Out-of-Network Provider

$250 copay

Urgent Care Facility and Walk-In Medical Center

Signature Facility/Provider

$25 copay

Anthem PPO Provider

$50 copay

Out-of-Network Provider

$50 copay

Ambulance

Signature Facility/Provider

N/A

Anthem PPO Provider

Out-of-Network Provider

Telehealth (OnDemand and LiveHealth Online only)

Signature Facility/Provider

0%, $0 copay

Anthem PPO Provider

$30 copay

Out-of-Network Provider

Not covered

Observation (non-emergency related)

Signature Facility/Provider

$100 copay

Anthem PPO Provider

20% after deductible

Out-of-Network Provider

50% of MAA* after deductible

* Maximum allowable amount

Non-Acute Care

Skilled Nursing Facility [1]

Signature Facility/Provider

20% coinsurance, no deductible

Anthem PPO Provider

20% coinsurance, no deductible

Out-of-Network Provider

50% of MAA* after deductible

Home Health Care [2]

Signature Facility/Provider

20% coinsurance, no deductible

Anthem PPO Provider

20% coinsurance, no deductible

Out-of-Network Provider

50% of MAA* after deductible

Hospice Care [3]

Signature Facility/Provider

N/A

Anthem PPO Provider

20% coinsurance, no deductible

Out-of-Network Provider

50% of MAA* after deductible

* Maximum allowable amount

^[1] Up to 120 days per calendar year after a hospital stay.

^[2]Up to 120 days per calendar year.

^[3]Up to 60 days per calendar year.

Other

Durable Medical Equipment

Signature Facility/Provider

N/A

Anthem PPO Provider

20% coinsurance, no deductible

Out-of-Network Provider

50% of MAA* after deductible

Hearing Aids [1]

Signature Facility/Provider

N/A

Anthem PPO Provider

50% coinsurance, no deductible

Out-of-Network Provider

50% of MAA* after deductible

Orthotics

Signature Facility/Provider

N/A

Anthem PPO Provider

50% coinsurance, no deductible

Out-of-Network Provider

50% of MAA* after deductible

* Maximum allowable amount

^[1]Two hearing aids every 36 months.

Save With Signature Providers & Facilities

The following examples* show how using a Signature provider and facility can save you money. As a reminder, if you use a Signature provider but your care takes place in a facility that is not in our network, the facility expenses will be covered as Anthem or out-of-network care.

Example #1: Signature Savings

Tony saves $7,150 using a Signature provider and Signature facility for his knee surgery.

YNHHS Signature Provider & Facility

Facility Charge Allowed

$20,000

Doctor or Surgeon Fees Allowed

$3,000

Annual deductible (paid by Tony)

Amount Left to Pay

$23,000

Tony’s Cost after Deductible (including inpatient copay/coinsurance)

$250

Total Amount Plan Pays

$22,750

Total Amount Tony Pays

$250

Anthem PPO Provider & Facility

Facility Charge Allowed

$20,000

Doctor or Surgeon Fees Allowed

$3,000

Annual deductible (paid by Tony)

$3,500

Amount Left to Pay

$19,500

Tony’s Cost after Deductible (including inpatient copay/coinsurance)

20% = $3,900

Total Amount Plan Pays

$15,600

Total Amount Tony Pays

$3,900 + $3,500 = $7,400

Example #2: Signature Provider + Anthem Facility Costs

If Tony has the same procedure but it takes place in an Anthem facility, he will spend $6,550 more than in the first example.

YNHHS Signature Provider

Facility Charge Allowed

N/A

Doctor or Surgeon Fees Allowed

$3,000

Annual deductible (paid by Tony)

Amount Left to Pay

$3,000

Tony’s Cost after Deductible (including inpatient copay/coinsurance)

$0 owed for doctor or surgeon fees

Total Amount Plan Pays

$3,000

Total Amount Tony Pays

No charges for the YNHHS Signature Provider

Anthem Facility

Facility Charge Allowed

$20,000

Doctor or Surgeon Fees Allowed

N/A

Annual deductible (paid by Tony)

$3,500 (for Anthem facility)

Amount Left to Pay

$16,500

Tony’s Cost after Deductible (including inpatient copay/coinsurance)

20% for facility = $3,300 ($16,500 x 20% = $3,300)

Total Amount Plan Pays

$16,500

Total Amount Tony Pays

$6,800 for the Anthem Facility ($3,500 deductible + $3,300 coinsurance)

Example #3: Anthem Provider + Anthem Facility Costs

If Tony uses an Anthem provider and an Anthem facility, he will spend $600 more than in the second example.

Anthem PPO Provider & Facility

Facility Charge Allowed

$20,000

Doctor or Surgeon Fees Allowed

$3,000

Annual deductible (paid by Tony)

$3,500

Amount Left to Pay

$19,500

Tony’s Cost after Deductible (including inpatient copay/coinsurance)

20% = $3,900 ($19,500 x 20%)

Total Amount Plan Pays

$15,600

Total Amount Tony Pays

$3,900 + $3,500 = $7,400

* These examples are for illustrative purposes only. Your actual cost share may vary depending on the care you receive, the facility used, and specifics if you’re admitted as an inpatient. These examples are not provided as a guarantee of coverage or an actual estimate of specific benefits under the plan.

When to Connect with Anthem

For a medical stay and/or service preauthorization, call 800-238-2227 (in Connecticut) or 800-248-2227 (out of state). For behavioral health or substance abuse stays, call 800-934-0331.

Before receiving any of these services, you must call Anthem for preauthorization. Otherwise, your benefits will be reduced.

Inpatient stays in a hospital, skilled nursing facility, hospice facility, subacute care or acute rehabilitation facility, or behavioral health or substance abuse treatment center (call at least 24 hours before the start of your stay)
High-cost diagnostic imaging services prescribed by an out-of-network provider
Organ/tissue transplants, including evaluation, donor search, organ procurement/tissue harvest, or transplant

For admissions following emergency or urgent care, you, your representative, or your doctor must call Anthem within 48 hours of admission.

If you do not precertify for the services above:

Benefits for inpatient stays will be reduced by $200.
Benefits for doctor fees will be reduced by 25%.

You can also connect with Anthem to:

Find a provider in the Anthem Century Preferred Network
Resolve insurance claim and billing issues
Ask questions about preventive and/or diagnostic care
Get general health information

Connect with…

HRConnect
Monday–Friday,
7:30 a.m. to 5 p.m. ET
844-543-2147
203-200-3838 (fax)
Website

Anthem Blue Cross and Blue Shield
844-963-0447
Website

Signature Network
Tier 1/Signature Network
(YNHHS username and password is required).
Trinity Health of New England facilities

Patient Resource Coordinators (PRC) for the YNHHS Medical Plan
844-543-2147, press option 3

COBRA
bswift
866-365-2413
Website

Health Savings Account (HSA)
HSA Bank
866-357-6246
Website

PayFlex (for 2020 FSA claims)
844-729-3539
Website

Telehealth
OnDemand
833-483-5363
Website

LiveHealth Online
888-548-3432
Website