Anthem KeyCare Flexible Choice : Flexible Coverage

Anthem Flexible Choice Health Insurance

Flexible Choice is one of Anthem’s most trusted individual health plans. If you want pay-as-you-go coverage and insurance that is flexible enough to change with you through your life, Anthem Flexible Choice may be the plan for you. Click Here to Sign Up for Anthem Flexible Choice, or call us at (757) 426-9797 or 1-(888) 380-2505 to talk with a real person. We would be glad to help you.

  • Benefits can be added or removed
  • Routine wellness doctor visits and screenings covered
  • Prescription Drug benefits
  • Predictable copayments for in-network doctor visits

Get Insurance Quotes / Get Insurance Guidance
Compare Rates Online for Anthem Flexible Choice Insurance
Find an Anthem Doctor


Choose an Anthem Flexible Choice Deductible


In-Network  
 Out of Network
Deductible Out-of-Pocket Maximum Coinsurance Deductible Out-of-Pocket Maximum
$500 Individual / $1,000 Family $2,500 Individual / $5,000 Family 20% $500 Individual / $1,000 Family $5,000
$1,500 Individual / $3,000 Family $3,500 Individual / $7,000 Family 20% $1,500 Individual / $3,000 Family $7,000
$2,500 Individual / $5,000 Family $2,500 Individual / $5,000 Family 0% $2,500 Individual / $5,000 Family $5,000
$5,000 Individual / $10,000 Family $5,000 Individual / $10,000 Family 0% $5,000 Individual / $10,000 Family $10,000
         
Top


The deductible is the annual amount you as the member or family must pay before coverage begins. There are separate deductibles for in and out of network coverage. Anthem maintains a large network of doctors which can be found online. Doctors in Anthem's network are considered in-network, and offer significant cost savings benefits. You can usually lower your monthly premium by choosing a higher deductible.

 

Anthem Flexible Choice Benefits 


After Deductible means that after you have met your deductible, Anthem will pay a percent of the cost of covered services as coinsurance and you will pay the rest. Coinsurance is the percentage of costs that you pay after the deductible is met. In general, zero coinsurance options are found with higher deductible options.

Once the out of pocket maximum is reached, Anthem will pay 100% of most covered charges for the remaining year. There is a separate out of pocket maximum for in and out of network services. Anthem’s payment is limited to the lifetime maximum, which is $5 million for ths particular plan. Prescription drug costs do not count towards the out-of-pocket maximum.  


Covered Services  In-Network Costs After Deductible  Out of Network Costs After Deductible
Doctor's Office Visits
Deductible Waived for Doctor's Visits.
$20 copay for primary care physician,
$30 copay for specialist		 30% coinsurance
Professional & Diagnostic Services
(X-rays, labs, anesthesia, surgeons, etc.)		 0% or 20% coinsurance 30% coinsurance
Inpatient Services
(overnight hospital / facility stays)		 0% or 20% coinsurance 30% coinsurance
Outpatient Services
(without overnight hospital / facility stays)		 0% or 20% coinsurance, max 20 visits 30% coinsurance
Emergency Room Services 0% or 20% coinsurance 30% coinsurance
Preventive Care Services Deductible Waived for Preventive Care.
     Preventive Office Visits:
 $20 copay for primary care physician,
$30 copay for specialist
 30% coinsurance
     Preventive Screenings, Labs, X-rays, Immunizations:
 0% or 20% coinsurance
 30% coinsurance
     Well-Baby Care
 Childhood immunizations only to age 3,
Rider Available for complete well care
 30% coinsurance
Maternity Coverage
 Add $71.00 monthly
Optional Coverage Options

     Preventive Dental
 Rider Available; add $23.00 monthly
     Preventive Vision / Laser Vision Correction
 Discount through Special Offers @ Anthem.com
     Well Child Care (Optional)
 Rider Available for complete well care
     Supplimental Accident Insurance Add $8.00 monthly
     Life Insurance

     
Top

The benefits listed below are also covered by this particular Anthem KeyCare plan.



Prescription Drugs & Other Benefits Anthem Flexible Choice
Prescription Retail Drugs
(and Mail Order when available)
In-Network: (deductible waived):
  • Generic and Brand Name Drugs: $15 copayment or 40% coinsurance, whichever is greater
  • Teir 2 (Specialty) Drugs 40% coinsurance up to $500.
  • $5,000 annual maximum coverage
  • Expense limit per prescription: $10,000 Max
     
Out of Network (deductible waived):
  • Same benefits, but member is responsible for filing claim and for paying the difference between the pharmacy charge and Anthem's allowable charge, in addition to any copayments or coinsurance.
  • Tier 2 drugs not covered;  for non-specialty Tier 1 drugs members pay $15 copayment or 40% coinsurance, whichever is greater.
Optional Drug Coverage
(if available)		 N/A
Oral Contraceptives / Norplant
 Covered as Rx
Other Covered Benefits: Ambulance, Chiropractic Care, Durable Medical Equipment, Home and Hospice Care, Mental Health, Physical / Occupational Therapy, Substance Abuse, Speech Therapy, Urgent Care, Routine Vision Exam


   
Top

Anthem Flexible Choice Optional Benefits 


You may personalize your plan by purchasing additional benefits to expand your coverage. These options include:
  • Preventive Dental
  • Preventive Vision / Laser Vision Correction
  • Well Child Care 
  • Supplimental Accident 
  • Life Insurance

For details, call us at (757) 426-9797 or 1-(888) 380-2505 or contact us via email.  We would be glad to help you.

Note: This is not an Anthem Insurance Policy, but a brief summary of benefits offered by Anthem. Click here to visit Anthem's Website.