UMG offers two medical plans through Anthem, the Co-Pay (EPO) and PPO plans, which are available to employees nationwide. These Anthem plans use the same network of providers, so the list of doctors and facilities does not change depending on the plan.

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. You will experience comprehensive care with lower premiums and co-pays, but you must use in-network providers and facilities (except in true emergencies). This plan works well for those who prefer to stay within Anthem’s extensive network of providers.

Anthem PPO

The Anthem PPO plan provides more flexibility, covering both in-network and out-of-network providers (after you meet the out-of-network deductible). Like the EPO plan, it does not require a primary care doctor or referrals for specialists. However, it comes with higher premiums and coinsurance, and you may be responsible for any balance billing from providers. For those who anticipate seeing a provider that does not accept insurance or is outside of Anthem’s network, this plan provides that option.

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

• 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