UMG offers three medical plans through Anthem, available to employees nationwide. These plans provide access to a wide network of doctors and hospitals, giving you quality coverage and choice in how you manage your healthcare. They also provide the same national network of providers, so the list of in-network doctors and facilities does not change between plans.

New for 2026! Anthem High-Deductible Health Plan (HDHP)

If you want to pay lower premiums, typically use fewer healthcare services, and value the tax advantages of a Health Savings Account (HSA), the Anthem HDHP may be a good fit for you. This plan has the lowest premiums, but you’ll pay full cost for most services until you meet your deductible. After that, the plan pays a percentage of your costs while you cover coinsurance. To help offset out-of-pocket expenses, this plan includes an HSA with UMG contributing $850 for individual coverage or $1,700 for family coverage, and you can also set aside pre-tax dollars for eligible medical expenses.

View Anthem HDHP Summary of Benefits Coverage 2026.

Anthem Co-Pay (EPO)

With the Anthem Co-Pay (EPO) plan, you don’t need to select a primary care doctor or referral to see specialists, but you must use in-network providers and facilities (except in true emergencies). This plan works well for those who expect to use regular healthcare services, want the certainty of set copays, don’t mind staying in-network, and prefer not to manage deductibles or coinsurance for most services.

View Anthem EPO Summary of Benefits Coverage 2026.

Anthem PPO

The Anthem PPO plan offers the flexibility to see providers both in-network and out-of-network, but with a lower deductible and higher premiums. This plan may be a good fit if you want the freedom to see any doctor without paying the full cost upfront until a high deductible is met. You don’t need to choose a primary care physician or get referrals to see specialists, and you’ll pay less when you stay in-network.

View Anthem PPO Summary of Benefits Coverage 2026.

Insurance cards

You will receive your medical ID card in the mail about 2-3 weeks after enrolling in benefits. You can access your insurance cards online using these instructions.

You can register for an account for online access to your ID cards, medical and Rx benefits, claims status, and more.

How to get care

You may find in-network providers on Anthem’s website and search for the provider you need. From there, you can contact providers and schedule an appointment with them directly.

If you see an out-of-network provider, you will be responsible for meeting the out-of-network deductible before the plan begins contributing, up to your coinsurance. You will also be responsible for any amounts the provider charges above the reasonable and customary (R&C) rate. You can submit your out-of-network claims using these instructions.

Hinge Health

Hinge Health is included in Anthem plans at no cost to provide exercise therapy programs at the tip of your fingers. To learn more, visit Hinge Health.

LiveHealth Online

LiveHealth Online lets you have a virtual consult with a doctor at no out-of-pocket cost for Anthem members. View more information here.

Anthem Digital Access – Sydney Health App

Get the Anthem Sydney Health app to have access to your digital ID card, see an overview of your account, and see plan details.

Traveling Internationally?

You can take your health benefits with you when traveling outside the U.S. through the BlueCard WorldWide program.

View more information on how to access care internationally here. You can visit the BlueCard Worldwide website to find doctors abroad.

AllClear Identity Repair Included with all Anthem Plans

AllClear Identity Repair is automatically available to all employees and covered dependents enrolled in an Anthem Medical Plan. No additional enrollment required.

Call AllClear ID at 1-855-227-9830 at any point while you’re an active medical health plan member if you need help.

Visit AllClear’s website and view AllClear FAQs here.

Out-of-Network Anthem Claims

Submit your claims online using the instructions at this link or submit your claim form via mail using this medical claim form or Rx claim form.

Anthem Resources

2026

• Anthem PPO Summary Plan Description
• Anthem HDHP Summary of Benefits Coverage 2026
• Anthem Co-Pay (EPO) Summary of Benefits Coverage 2026
• Anthem PPO Summary of Benefits Coverage 2026

2025

• Anthem PPO Summary Plan Description
• Anthem Co-Pay (EPO) Summary Plan Description
• Anthem PPO Summary of Benefits Coverage 2025
• Anthem Co-Pay (EPO) Summary of Benefits Coverage 2025
• Anthem Rx Summary 2025
• BlueCard Worldwide Information
• Blue Cross Anthem Claim Form
• Blue Cross Anthem Prescription Claim Form
• Prescription Benefits Summary