A guide to choosing your Anthem Blue Cross health plan REEP 2016/2017 Benefit Enrollment Kit Anthem Elements Choice PPO

Transcription

1 A guide to choosing your Anthem Blue Cross health plan REEP 2016/2017 Benefit Enrollment Kit Anthem Elements Choice PPO 37083MUMENMUB REV 01/14 This guide is information only. You must enroll to be covered CAMENABC 02/15

2 An Anthem Blue Cross ID card means something It means you have access to quality care from quality doctors. It means you can always get your questions answered. It means you have our support before you ever need health care. And that s what this guide is for. We want you to have everything you need to make a good decision.

3 Getting started with health insurance Let's start with how health insurance works in general How most health plans work Deductible Out-of-pocket limit What you pay What we pay 1. You pay your deductible. This is a set amount that you pay before your plan starts paying for covered services. If your plan has copays (fl at fees like $30 for each visit) along with a deductible, you only need to pay the copay for most doctor visits. 2. After you meet your deductible, you and your plan share the cost of covered services. You pay a copay or coinsurance (a percentage of the cost) each time you get care. Your insurance covers the rest. 3. You re protected by your plan s out-of pocket limit. That s the most you pay for covered health services each year. With some plans, you still have copays even after you reach your out-of-pocket limit. What about the money for health insurance that gets deducted from your paycheck? That s your premium. Think of it like a membership fee. It s separate from what you pay when you get care. Remember, this chart is only an example. Your actual costs will depend on the type of plan you choose, the service you get and the doctor. To see your actual costs, please refer to your plan information. 3

4 A health plan that works for you Invest in your health with the right health plan. The doctors, hospitals and other health care providers in our network have agreed to charge lower rates for our members. PPO This plan covers services from almost any doctor or hospital, but you get a discount if you use a provider from the Preferred Provider Organization (PPO) network. You pay more if you go to a doctor who s not in the PPO network. You don t usually need a referral from your main doctor, also called a primary care doctor, to see a specialist. Some PPO plans may have different rules. So be sure to check your plan details. Our Anthem ID card means I can choose my child's doctor. 4

5 Frequently asked questions (FAQs) You can register at anthem.com/ca your simple and convenient solution to managing your health Can I keep my current doctor? Yes, you can. But keep in mind that you get the most out of your benefi ts if you choose a doctor in your plan. Some plans cover only services from doctors in your plan, which means you pay for the full cost if you see a doctor outside of the plan. Other plans cover services from doctors outside the plan but your plan pays more of the cost when you see a doctor in your plan. Be sure to check the details of your plan. To fi nd out if your doctor is in the plan, or to find a new doctor in the plan, go to our Find a Doctor tool on anthem.com/ca. You can search by specialty and check a doctor s training, certifi cations and member reviews. Be ready to enter your plan name to view the doctors that serve your plan. You can also use Find a Doctor on your smartphone. How do I use my health plan when I need care? After you enroll, your member ID card will come in the mail. Be sure to bring it with you to the doctor. You can also show a copy of your ID card from the Anthem mobile app. Is preventive care covered? Yes, preventive care from a doctor in the plan is covered at 100%. It s very important to take care of your health with regular checkups even when you feel fi ne. So talk to your doctor about screenings and immunizations that you may need to protect your health. Can I manage my health care on the Web? Yes. As soon as you become a member, you ll be able to register at anthem.com/ca. It s designed to help you manage your health care and your coverage simply and conveniently. Many of our members find these self-service tools helpful: Check on your claims. Find a doctor. Track your health care spending. Compare quality and costs at hospitals and other facilities. Download the free anthem.com/ca mobile app so you can manage your health care on the go! Visit anthem.com/ca/guidedtour to watch a video explaining how our website can help you. Do I have health and wellness benefits with my plan? Yes. In fact, we have a set of tools and resources that can help you reach your health goals. They can also save you money on products and services for your health. Just go to anthem.com/ca and click the Health & Wellness tab. Once you re a member, you can log in and see more. Check out these health and wellness programs your employer is providing in addition to your health insurance benefits: 24/7 NurseLine Our registered nurses can answer your health questions wherever you are any time, day or night. Future Moms Moms-to-be get personalized support and guidance from registered nurses to help them have a healthy pregnancy, a safe delivery and a healthy baby. ConditionCare Get the added support you may need if you have asthma, diabetes, heart disease, chronic obstructive pulmonary disease or heart failure. A nurse coach can answer questions about your health and help you reach your health goals based on your doctor s care plan. You can work with dietitians, health educators, pharmacists and social workers to reach those goals and feel your best. MyHealth Coach Get one-on-one professional advice from an experienced health coach for yourself or your family. Topics range from general wellness information to more serious issues like a chronic illness or help with medications. How can my plan help me save money? You'll save money every time you go to a doctor in your plan -- they've agreed to charge lower rates for Anthem members. But we'll also help save you money before you go to the doctor. At anthem.com/ca, you can compare how much a medical procedure will cost at different locations. Plus, all members get discounts on health-related products. You can even print your own coupons for healthier groceries. 5

6 Your plan details In this next section, you ll find more information about your plan.

7 Modified Anthem Elements Choice PPO 5900 Effective This Summary of Benefits is a brief overview of your plan's benefits only. For more detailed information about the benefits in your plan, please refer to your Certificate of Insurance or Evidence of Coverage (EOC), which explains the full range of covered services, as well as any exclusions and limitations for your plan. In addition to dollar and percentage copays, members are responsible for deductibles, as described below. Please review the deductible information to know if a deductible applies to a specific covered service. Certain Covered Services have maximum visit and/or day limits per year. The number of visits and/or days allowed for these services will begin accumulating on the first visit and/or day, regardless of whether your Deductible has been met. Members are also responsible for all costs over the plan maximums. Plan maximums and other important information appear in italics. Benefits are subject to all terms, conditions, limitations, and exclusions of the Policy. Subject to Utilization Review Certain services are subject to the utilization review program. Before scheduling services, the member must make sure utilization review is obtained. If utilization review is not obtained, benefits may be reduced or not paid, according to the plan. Explanation of Maximum Allowed Amount Maximum Allowed Amount is the total reimbursement payable under the plan for covered services received from Participating and Non-Participating Providers. It is the payment towards the services billed by a provider combined with any applicable deductible, copayment or coinsurance. PPO Providers The rate the provider has agreed to accept as reimbursement for covered services. Members are not responsible for the difference between the provider's usual charges & the maximum allowed amount. Non-PPO Providers For non-emergency care, reimbursement amount is based on: an Anthem Blue Cross rate or fee schedule, a rate negotiated with the provider, information from a third party vendor, or billed charges. Members are responsible for the difference between the provider's usual charges & the maximum allowed amount. For Medical Emergency care rendered by a Non-Participating Provider or Non-Contracting Hospital, reimbursement is based on the reasonable and customary value. Members may be responsible for any amount in excess of the reasonable and customary value. When using Non-PPO and Other Health Care Providers, members are responsible for any difference between the covered expense & actual charges, as well as any deductible & percentage copay. Calendar Year Deductible (no cross application) PPO Providers & Other Health Care Providers $5,900/member; $11,800/family Non-PPO Providers $11,800/member; $23,600/family Additional copay for non-anthem Blue Cross PPO hospital or residential treatment center if utilization review not obtained $500/admission (waived for emergency admission) Office Visit* Services with an asterisk have a $35 copay/visit with deductible waived for the first 3 visits for all services combined. After 3 visits, then deductible applies. Annual Out-of-Pocket Maximums (no cross application) PPO Providers & Other Health Care Providers $6,100/member; $12,200/family Non-PPO Providers $12,700/member; $25,400/family The following do not apply to out-of-pocket maximums: non-covered expense. After a member reaches the out-ofpocket maximum, the member remains responsible; costs in excess of the covered expense. Lifetime Maximum Unlimited 7

8 PPO: Per Member Copay Non-PPO: Per Member Copay (deductible waived) * * * * * * Diagnostic X-ray & Lab Other diagnostic x-ray & lab Advanced Imaging (subject to utilization review) (benefit limited to $800/procedure) Covered Services Preventive Care Services Preventive Care Services including*, physical exams, preventive screenings (including screenings for cancer, HPV, diabetes, cholesterol, blood pressure, hearing and vision, immunizations, health education, intervention services, HIV testing), and additional preventive care for women provided for in the guidelines supported by the Health Resources and Services Administration. *This list is not exhaustive. This benefit includes all Preventive Care Services required by federal and state law. Physician Medical Services Office & home visits (includes retail health clinic & online visit) Specialist office visits Hospital & skilled nursing facility visits Surgeon & surgical assistant; anesthesiologist or anesthetist Drugs administered by a medical provider (certain drugs are subject to utilization review) Diabetes Education Programs Physician office visits Specialist office visits Physical Therapy, Physical Medicine & Occupational Therapy, including Chiropractic Services (limited to 24 visits/calendar year; additional visits may be authorized) Speech Therapy Acupuncture Services for the treatment of disease, illness or injury (limited 12 visits/calendar year) Urgent Care (Physician services) Emergency Care Emergency room services & supplies Physician services 8

9 PPO: Per Member Copay Non-PPO: Per Member Copay In an emergency or with an authorized referral: ; Nonemergency: Blood transfusions, blood processing & the cost of unreplaced blood & blood products 20% 20% Autologous blood (self-donated blood collection, testing, processing & storage for planned surgery) 20% 20% Ambulatory Surgical Centers (certain surgeries are subject to utilization review) Outpatient surgery, services & supplies (benefit limited to $350/admit) Pregnancy & Maternity Care Physician office visits * Covered Services Hospital Medical Services (subject to utilization review for inpatient and certain outpatient services; waived for emergency admissions) Semi-private or private room, medically necessary services & supplies Outpatient medical care, surgical services & supplies (hospital care other than emergency room care) Skilled Nursing Facility (subject to utilization review) Semi-private room, services & supplies (limited to 100 days/calendar year; limit does not apply to mental health and substance abuse) Related Outpatient Medical Services & Supplies Ground or air ambulance transportation, services & disposable supplies (air ambulance in a nonmedical emergency is subject to pre-service review and benefit limited to $50,000 for non-ppo) * Specialist office visits Mental or Nervous Disorders and Substance Abuse Inpatient facility care (subject to utilization review; waived for emergency admissions) Prescription drug for abortion (mifepristone) Normal delivery, cesarean section, complications of pregnancy & abortion. Refer to the Physician & Hospital Medical Services benefits for both inpatient and outpatient hospital coverage. Inpatient physician visits Outpatient facility care; Physician office visits (Behavioral Health treatment for Autism or Pervasive Development disorders require pre-service review) * 9

10 PPO: Per Member Copay Non-PPO: Per Member Copay (benefit limited to $600/day) (benefit limited to $350/visit) 20% Inpatient services provided in connection with medically necessary surgery for weight loss, only for morbid obesity Not coveredƒ Travel expenses for an authorized, specified surgery (recipient & companion transportation limited to $3,000 per surgery) (deductible waived) Not coveredƒ Inpatient services provided in connection with noninvestigative organ or tissue transplants Not coveredƒ Transplant travel expense for an authorized, specified transplant (recipient & companion transportation limited to $10,000 per transplant) (deductible waived) Not coveredƒ Covered Services Durable Medical Equipment (may be subject to utilization review) Rental or purchase of DME (hearing aids benefit is available for one hearing aid per ear every three years; breast pump and supplies are covered under preventive care at no charge for in-network) Home Health Care (subject to utilization review) Services & supplies from a home health agency (limited to 100 visits/calendar year, one visit by a home health aide equals four hours or less) Home Infusion Therapy (subject to utilization review) Includes medication, ancillary services & supplies; caregiver training & visits by provider to monitor therapy; durable medical equipment; lab services Hemodialysis Outpatient hemodialysis services & supplies Hospice Care Inpatient or outpatient services; family bereavement services Bariatric Surgery (subject to utilization review; covered only when performed at a Blue Distinction Center for Specialty Care [BDCSC]) Organ & Tissue Transplants (subject to utilization review; specified transplants covered only when performed at Centers of Medical Excellence [CME] and Blue Distinction Centers for Specialty Care [BDCSC] for California; Blue Distinction Centers for Specialty Care [BDCSC] for out of California) Unrelated donor search, limited to $30,000 per transplant 10

11 Covered Services Prosthetic Devices Coverage for breast prostheses; prosthetic devices to restore a method of speaking; surgical implants; artificial limbs or eyes; the first pair of contact lenses or eyeglasses when required as a result of eye surgery; & therapeutic shoes & inserts for members with diabetes PPO: Per Member Copay Non-PPO: Per Member Copay Outpatient Prescription Drug Benefits Coverage provided by Express Scripts This Summary of Benefits has been updated to comply with federal and state requirements, including applicable provisions of the recently enacted federal health care reform laws. As we receive additional guidance and clarification on the new health care reform laws from the U.S. Department of Health and Human Services, Department of Labor and Internal Revenue Service, we may be required to make additional changes to this Summary of Benefits. This Summary of Benefits, as updated, is subject to the approval of the California Department of Insurance and the California Department of Managed Health Care (as applicable). The percentage copay for non-emergency services from Non-Anthem Blue Cross PPO providers is based on the scheduled amount. The dollar copay applies only to the visit itself. An additional copay applies for any services performed in office (i.e., X-ray, lab, surgery), after any applicable deductible. These providers are not represented in the PPO network. ƒ Exception: If service is performed at a Centers of Medical Excellence [CME], the services will be covered same as the PPO (in-network) benefit. 11

12 Anthem Blue Cross and Anthem Blue Cross Life and Health Insurance Company is an independent licensee of the Blue Cross Association. ANTHEM is a registered trademark of Anthem Insurance Companies, Inc. The Blue Cross name and symbol are registered marks of the Blue Cross Association. 12 anthem.com/ca Anthem Blue Cross/Anthem Blue Cross Life and Health Insurance Company;(EC) Effective Printed 04/2016 REEP Anthem Elements Choice 5900

13 Ready to improve your health? Let us help. ConditionCare: health support Healthier today, better tomorrow If you have a condition that puts you at risk for future health problems, let us give you the help you need. When you join the ConditionCare program, your physical and mental health may improve. It s easy to sign up. Just call us toll free at The program is additional to your health plan for you and your covered family members. Our health support programs help with: Low-back pain. High cholesterol, high blood pressure and metabolic syndrome. Arthritis, hip and knee replacement, and osteoporosis. When you join ConditionCare, you ll get tools and information to help you manage your condition. And based on your needs, the program also gives you: Round-the-clock phone access to nurse care managers who can answer your questions and help you cope with your condition. A health screening and follow-up calls with health professionals, as needed, to help you reach your health goals. We may call to fi nd out if ConditionCare can help you and ask you to sign up. For your protection, we ll verify your address or date of birth before talking about your health. Get help managing your condition To learn more or to join ConditionCare, call us toll free at Anthem Blue Cross is the trade name of Blue Cross of California. Anthem Blue Cross and Anthem Blue Cross Life and Health Insurance Company are independent licensees of the Blue Cross Association. ANTHEM is a registered trademark of Anthem Insurance Companies, Inc. The Blue Cross name and symbol are registered marks of the Blue Cross Association. MCASH1304CSI VPOD Rev. 08/15 13

14 Healthy babies start with healthy moms Future Moms offers personalized support through birth and beyond Each pregnancy is unique. That s why Future Moms offers personalized support for pregnant members, starting at the beginning of pregnancy and continuing after birth. Participants get education and coaching to help them make healthier decisions during pregnancy. This keeps them out of the hospital, reduces neonatal intensive care unit (NICU) admissions and helps keeps medical costs down. Future Moms nurse coaches provide customized support so members understand what s best for them and their babies. Nurse coaches: Check for risks and manage members based on risk level. Provide case management for high-risk participants. 90% of participants said the program information and tools helped them manage a healthy pregnancy 1 Give moms-to-be information on healthy eating and exercise during pregnancy. Provide prenatal education and information on labor options. Refer members to specialists, such as pharmacists, nutritionists or others, as needed. Help smokers quit, if needed. Screen for depression during and after pregnancy. Answer questions during pregnancy and after the baby s birth. Integrate with other plans for a total health solution Include Future Moms with Anthem Blue Cross behavioral health, disability, dental and vision plans. It s a smart way to increase member engagement and address the total health care needs of moms-to-be. The numbers speak for themselves! A recent study showed that Future Moms participants are getting the help they need, resulting in: 30% less emergency room visits than those not in the program. 2 Babies born to Future Moms participants spending 25% less time in the NICU, leading to a reduction in NICU costs. 2 1 Internal Health and Wellness Solutions Member Satisfaction Study, internal data utilizing 450,000 members. Anthem Blue Cross is the trade name of Blue Cross of California. Anthem Blue Cross and Anthem Blue Cross Life and Health Insurance Company are independent licensees of the Blue Cross Association. ANTHEM is a registered trademark of Anthem Insurance Companies, Inc. The Blue Cross name and symbol are registered marks of the Blue Cross Association. ECASH1289C VPOD Rev. 03/15 14

15 Looking for a doctor? Finding one online is fast and easy Use our online Find a Doctor tool to look for doctors, hospitals, labs and other health care providers in your Anthem network. Check if your favorite doctor is in the network, or look for one near you. Avoid getting out-of-network care if you can it will cost you more or your plan may not cover it all. Here s all you need to do: If you re a member Go to anthem.com/ca and log in. Or use your ID number or the first three letters to search without logging in. Under Useful Tools on the right, select Find a Doctor. 1 If you re not a member yet Go to anthem.com/ca. Under Useful Tools on the right, select Find a Doctor. Next, select a type of provider, place or name. Select Search. 2 3 First answer a few questions, so we can help find you the right plan and in-network doctor. Then enter or select the plan/network*. Next, select a type of provider, place or name. Select Search. Select a provider to see more information, such as: Training Specialties Languages spoken Address (including a map) Phone number Going mobile Use your mobile device to search for doctors, hospitals and more with our free app from the App Store SM or Google Play TM. Just search for Anthem Blue Cross and download the app. You can even get turn-by-turn directions to find a doctor s office. *If you don t know the name of the plan or network, check with your human resources department or benefits administrator. Anthem Blue Cross is the trade name of Blue Cross of California. Anthem Blue Cross and Anthem Blue Cross Life and Health Insurance Company are independent licensees of the Blue Cross Association. ANTHEM is a registered trademark of Anthem Insurance Companies, Inc. The Blue Cross name and symbol are registered marks of the Blue Cross Association CAMENABC VPOD 08/15 15

16 24/7 NurseLine Always here for you Health concerns can happen when you least expect them. You might be on vacation or even on a business trip. Or your child may have a fever in the middle of the night. But there s somewhere you can turn for help any time of the day or night. Call the 24/7 NurseLine to talk with a registered nurse about your health concern. Whether it s a question about allergies, fever, types of preventive care or any other topic, nurses are always there to provide support and peace of mind. And, if you want, a nurse will call you later to see how you re doing. Our nurses can help you choose the right place for care if your doctor isn t available and you aren t sure what to do. Do you need to head straight to the emergency room? Is urgent care best? Or do you need to see your doctor? Making the right call can save you time and money and give you access to the best possible care. Do you speak Spanish or another language other than English? We have Spanish-speaking nurses and translators on call. TTY/TDD services are available, too. If you d prefer not to talk about your health concern over the phone, the AudioHealth Library might be for you. These helpful prerecorded messages cover more than 300 health topics in English and Spanish. Just call the 24/7 NurseLine number and choose the AudioHealth Library option. Health questions? 24/7 NurseLine is always here for you. Call toll free at % of members like you would recommend 24/7 NurseLine to others. Anthem Blue Cross is the trade name of Blue Cross of California. Anthem Blue Cross and Anthem Blue Cross Life and Health Insurance Company are independent licensees of the Blue Cross Association. ANTHEM is a registered trademark of Anthem Insurance Companies, Inc. The Blue Cross name and symbol are registered marks of the Blue Cross Association. MCASH1301CP VPOD Rev. 8/11 16

17 Live life to the fullest without paying full price Save money with discounts at anthem.com/ca Saving money is good. Saving money on things that are good for you that s even better. With SpecialOffers, you can get discounts on products and services that help promote better health and well-being.* It s just one of the perks of being a member. Check out how much you can save: Vision and hearing CONTACTS Get contact lenses quick and easy plus discounts only available to Anthem members, like $20 off when you spend $100 or more and free shipping. Glasses.com TM Get the latest, brand-name frames for just a fraction of the cost at typical retailers every day. Plus, you get an additional $20 off orders of $100 or more, free shipping and free returns. Premier LASIK Save 15% on LASIK with all in-network providers. Prices are as low as $695 per eye with select providers. Amplifon Get a low-price guarantee with the seven top companies that work with Amplifon. Save $50 on one hearing aid or $125 on two. Plus, get a three-year repair/loss/damage warranty and a free two-year supply of batteries. Beltone Get hearing screenings and in-home service at no additional cost, and up to off all Beltone hearing aids. Fitness and health Jenny Craig Join Jenny Craig and obtain off All Access Enrollment plus 5% off all Jenny Craig Food. Lindora Save 20% on weight-loss programs. SelfHelpWorks Choose one of the online Living programs and get a 40% discount to help you lose weight, stop smoking, manage stress or face an alcohol problem. GlobalFit Save on gym memberships, home fitness equipment and GlobalFit s Virtual Gym. ChooseHealthy Get preferred pricing on fitness club memberships and a one-week free trial. Enjoy discounts on acupuncture, chiropractors and massage plus 40% off certain wellness products. Performance Bicycle Get $20 off a purchase of $80 or more in store or online. Garmin Save 20% on the vívofit 2, vívosmart, vívoactive, or Forerunner 15 wearable activity trackers. MCASH1231C VPOD Rev. 09/15 17 Check out more SpecialOffers on the other side.

18 SpecialOffers on anthem.com/ca Family and home Safe Beginnings Babyproof your home while saving 15% on everything from safety gates to outlet covers. VPI Pet Insurance Get 5% off pet insurance. Get peace of mind knowing that you have help paying the medical costs for your pet s accidents, illnesses and routine medical care. ASPCA Pet Health Insurance Get 5% off pet insurance. You can choose from three levels of care, including flexible deductibles and custom reimbursements. LinkWell Get coupons for healthier products. WINFertility Save up to 40% on infertility treatment. WINFertility helps make quality treatment affordable. LifeMart Get great deals on beauty and skin care, diet plans, fitness club memberships and plans, personal care, spa services and yoga classes, sports gear and vision care. Medicine and treatment Puritan s Pride Save 10% and get free shipping on a large selection of vitamins, minerals, herbs, supplements and much more. Allergy Control products Save 25% on Allergy Control encasings for your bed. Plus, save 20% on a variety of doctor-recommended products for a healthier home and enjoy free shipping on orders of $150 or more. National Allergy supply Save 15% on mattress encasings, air filtration products, compressors and other products that can help relieve your allergy, asthma and sinus symptoms. HelpCare Plus Get discounts on Senior Care Services by paying $11.25 per month. You even get a pharmacy discount card. To find the discounts that are available to you, log in to anthem.com/ca and select Discounts. * All discounts are subject to change without notice. Si necesita ayuda en español para entender este documento, puede solicitarla sin costo adicional, llamando al número de servicio al cliente que aparece al dorso de su tarjeta de identificación o en el folleto de inscripción. Anthem Blue Cross is the trade name of Blue Cross of California. Anthem Blue Cross and Anthem Blue Cross Life and Health Insurance Company are independent licensees of the Blue Cross Association. ANTHEM is a registered trademark of Anthem Insurance Companies, Inc. The Blue Cross name and symbol are registered marks of the Blue Cross Association. 18 anthem.com/ca

19 How we protect our members As a member, you have the right to expect the privacy of your personal health information to be protected, consistent with state and federal laws and our policies. And you also have certain rights and responsibilities when receiving your health care. To learn more about how we protect your privacy, your rights and responsibilities when receiving health care and your rights under the Women s Health and Cancer Rights Act, go to To request a printed copy, please contact your Benefi ts Administrator or Human Resources representative. learn about and manage your health conditions. They also help you better understand your health benefits. To learn more about how we help manage your care, visit To request a printed copy, please contact your Benefi ts Administrator or Human Resources representative. How we help manage your care To decide if we'll cover a treatment, procedure or hospital stay, we use a process called Utilization Management (UM). UM is a program that lets us make sure you re getting the right care at the right time. Licensed health care professionals review information your doctor has sent us to see if the requested care is medically needed. These reviews can be done before, during or after a member s treatment. UM also helps us decide if the services will be covered by your health plan. We also use case managers. They're licensed health care professionals who work with you and your doctor to help you

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24 Carry an ID card that means something. Enroll now. Life products underwritten by Anthem Blue Cross Life and Health Insurance Company. Disability products underwritten by Anthem Life Insurance Company. Anthem Blue Cross is the trade name of Blue Cross of California. Anthem Blue Cross, Anthem Life Insurance Company and Anthem Blue Cross Life and Health Insurance Company are independent licensees of the Blue Cross Association. ANTHEM is a registered trademark of Anthem Insurance Companies, Inc. The Blue Cross name and symbol are registered marks of the Blue Cross Association. Express Scripts, Inc. is a separate company that provides pharmacy services and pharmacy benefit management services on behalf of health plan members. The Healthy Lifestyles programs are administered by Healthways, Inc., an independent company.