Anthem Medical Plans

UMG offers three medical plans through Anthem: the High-Deductible Health Plan (HDHP), EPO, and PPO. All three plans use the same nationwide Anthem network, so your in-network doctors and facilities are the same regardless of which plan you choose.

The main differences are how you pay for care, whether you have out-of-network coverage, and whether you can contribute to a Health Savings Account (HSA).

Compare the Anthem plans

	Anthem HDHP	Anthem EPO	Anthem PPO
Premium cost & annual deductible	Lowest paycheck costs Highest in-network deductible ($1,700 / $3,400)	Medium paycheck costs $0 in-network deductible	Highest paycheck costs $0 in-network deductible with reasonable out-of-network deductible
Coverage	In- and out-of-network coverage (subject to higher out-of-network deductible)	In-network coverage only	In- and out-of-network coverage (subject to higher out-of-network deductible)
Out of pocket costs	Pay full cost until deductible is met	Co-pays for most services	Co-pays & coinsurance for most services
HSA or FSA eligible	HSA & Limited Purpose FSA	Healthcare FSA only	Healthcare FSA only

For deductibles, copays, coinsurance, and out-of-pocket maximums, view the comparison chart at the bottom of this page.

Anthem High-Deductible Health Plan (HDHP)

The HDHP has the lowest paycheck premiums but a higher deductible. You’ll generally pay the full negotiated cost of care until you meet your deductible, then you and the plan share the cost.

The HDHP also comes with a Health Savings Account (HSA). UMG contributes $850 for individual coverage or $1,700 for family coverage, and you can contribute your own pre-tax money for eligible healthcare expenses.

View Anthem HDHP Summary of Benefits Coverage 2026.

Anthem EPO

The EPO offers more predictable costs, with set co-pays and no deductible or coinsurance for most services.

You must use Anthem in-network providers for coverage, except in emergencies. You don’t need to choose a primary care provider (PCP) or get referrals to see specialists.

View Anthem EPO Summary of Benefits Coverage 2026.

Anthem PPO

The PPO has the highest paycheck premiums of the three Anthem plans. It offers the most flexibility in where you receive care. You can see both in- and out-of-network providers without referrals, although you’ll generally pay less when you stay in-network.

View Anthem PPO Summary of Benefits Coverage 2026.

Virtual care & mental health

All three Anthem plans include $0 virtual care when you see an in-network provider virtually, making it easier to get care from home without an out-of-pocket cost.

For in-person mental health care, your cost depends on your medical plan:

	Virtual care	In-person mental health care
HDHP	$0 with in-network providers	Deductible applies; once met, $0 out-of-pocket cost
EPO	$0 with in-network providers	$0 with in-network providers
PPO	$0 with in-network providers	$0 with in-network providers

Looking for virtual care? In addition to virtual visits with in-network Anthem providers, you have access to LiveHealth Online for 24/7 medical and mental health care and One Medical for virtual primary care and therapy.

Included with your medical coverage

Your Anthem plan also gives you access to programs designed to make healthcare easier and support your health throughout the year.

Program	How it can help
Color Health	Get personalized support for cancer prevention, screening, diagnosis, treatment, and recovery, including guidance from cancer care experts.
Hinge Health	Get personalized exercise therapy and support from physical therapists for back, joint and muscle pain at no cost.
LiveHealth Online	Get 24/7 virtual medical care, plus virtual allergy, therapy and psychiatry services, at no out-of-pocket cost.
Maven fertility coverage	Access fertility medical coverage, plus family building and virtual care resources. Eligibility and costs vary by Maven benefit.
One Medical	Access convenient primary care, including same- or next-day appointments and 24/7 virtual care. UMG covers your membership fee; your medical plan cost share may apply when you receive care.

Find care

Use Anthem’s website to find in-network doctors, specialists, hospitals and other healthcare providers. Once you find a provider, contact their office directly to schedule an appointment.

You can receive out-of-network care through the HDHP and PPO, but you’ll generally pay more. You’ll be responsible for the out-of-network deductible and coinsurance, plus any amount the provider charges above the plan’s reasonable and customary rate.

To submit any out-of-network claims, use the instructions at this link or submit your claim form via mail using this medical claim form or Rx claim form.

Your Anthem ID card & Sydney Health app

Your medical ID card will arrive by mail approximately 2–3 weeks after you enroll. You can also access a digital ID card using these instructions.

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

You can also download Anthem’s Sydney Health app to:

Access your digital ID card
Review your medical and prescription benefits
View claims
Find care
Access other plan information

Traveling internationally?

Your Anthem coverage travels with you through BlueCard Worldwide, which can help you find care when traveling internationally.

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 those enrolled in an Anthem plan. 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.

Anthem Resources

2026

2025

Have questions on your benefits?

Contact the Benefit Service Center at
(888) 526-2794
from 8 am – 5 pm PT.

Anthem
Phone: (800) 690-0512
Website: anthem.com

Medical plan comparison

Anthem PPO

Anthem Co-Pay

Anthem HDHP

Kaiser HMO

Plan Features

In-Network

Out-of-Network

In-Network Only

In-Network

Out-of-Network

In-Network Only

Annual Deductible

None

$750 per member
$2,000 per family

None

$1,700 per member
$3,400 per family

$3,400 per member $6,800 per family

None

Annual Out-of-Pocket Maximum

$1,500 per member $3,000 per family

$3,000 per member
$9,000 per family

$800 per member
$2,400 per family

$3,400 per member
$6,800 per family

$6,800 per member $13,400 per family

$1,500 per member
$3,000 per family

Lifetime Maximum

Unlimited

Preventive Care

No co-pay

30% coinsurance*

No co-pay

30% coinsurance**

No co-pay

Primary Care

$20 co-pay

30% coinsurance*

$20 co-pay

10% coinsurance**

30% coinsurance**

$15 co-pay

Telehealth

No co-pay (LiveHealth Online)

Not covered

No co-pay (LiveHealth Online)

Not covered

No co-pay (Kaiser Video Visit)

Specialist

$40 co-pay

30% coinsurance*

$30 co-pay

10% coinsurance**

30% coinsurance**

$30 co-pay

Urgent Care

$20 co-pay

30% coinsurance*

$20 co-pay

10% coinsurance**

30% coinsurance**

$15 co-pay

Emergency Room

$100/visit (waived if admitted)

10% coinsurance**

$100/visit

Mental / Behavioral Health

No co-pay

30% coinsurance*

No co-pay

No co-pay**

30% coinsurance**

$15 co-pay

Inpatient Hospitalization

10% coinsurance

30% coinsurance*

$200 co-pay

10% coinsurance**

30% coinsurance**

$100 co-pay/admission

Outpatient Surgery

10% coinsurance

30% coinsurance*

No co-pay

10% coinsurance**

30% coinsurance**

$30/procedure

Infertility Services

10% coinsurance (managed by Maven)

30% coinsurance (managed by Maven)

No co-pay (managed by Maven)

10% coinsurance
(managed by Maven)**

30% coinsurance (managed by Maven)**

Please review the SPD for specific services and coverage.

Lab & X-Ray

10% coinsurance

30% coinsurance*

No co-pay

10% coinsurance**

30% coinsurance**

No co-pay

*30% coinsurance after out-of-network deductible is met.
**HDHP coinsurance percentage is after initial deductible is met

Your 2026 Monthly Cost for Coverage**

Anthem PPO

Anthem Co-Pay (EPO)

Anthem High-Deductible Health Plan(HDHP)

Kaiser HMO (CA only)

Employee Only

$185

$128

$95

$162

Employee + Spouse

$402

$283

$209

$333

Employee + Child(ren)

$377

$264

$190

$280

Employee + Family

$531

$371

$276

$406

2026 Monthly COBRA Costs

Anthem PPO

Anthem Co-Pay (EPO)

Anthem High-Deductible Health Plan(HDHP)

Kaiser HMO (CA only)

Employee Only

$1,300.10

$1,183.29

$1,133.75

$887.71

Employee + Spouse

$2,860.22

$2,603.23

$2,479.79

$1,952.95

Employee + Child(ren)

$2,600.27

$2,366.63

$2,267.55

$1,775.41

Employee + Family

$3,770.40

$3,431.63

$3,222.92

$2,512.21

Have questions about your benefits?

Contact the UMG Benefits Service Center at (888) 526-2794 from Monday to Friday 8 am – 5 pm PT.