Anthem Plan

Hexcel offers two plan options. The plans feature different deductibles and coinsurance. The Preferred Provider Organization (PPO) Plan offers a lower deductible for a higher cost per paycheck while the High Deductible Health Plan (HDHP) has a higher deductible with lower costs per paycheck and is coupled with an employer-funded Health Savings Account.

Medical Plan Comparison:

¹ If you have a HDHP and a Health Savings Account (HSA), Hexcel will make an annual contribution to your account to help cover your out-of-pocket expenses.

² Coinsurance is applicable after you have met your calendar year deductible. Coinsurance applies to your annual out-of-pocket maximum.

³ If you have family coverage, you must meet the entire family deductible even if only one family member incurs expenses.

⁴ Claims for services rendered by in-state, nonparticipating, providers are reimbursed at the lesser of a “Maximum Allowable Amount,” defined by Anthem or the nonparticipating provider’s charge. Maximum Allowable Amounts are typically reviewed by Anthem on an annual basis. All claims are subject to individual member benefits including applicable deductibles, coinsurance or other cost shares. The reimbursement methodology for services rendered by out-of-state, nonparticipating professional providers varies based on the state in which the services are rendered. The out-of-state nonparticipating provider submits his/her claim to the local or host Blue Cross and Blue Shield Plan, which informs Anthem of the applicable reimbursement or alternatively, submits the nonparticipating provider’s billed charges to Anthem. If the host Plan forwards the nonparticipating provider’s charges, then Anthem will apply its in-state, nonparticipating provider reimbursement methodology. All nonparticipating providers may bill Anthem members up to the provider’s actual charges, regardless of the applicable reimbursement methodology for out-of-network services.

Prescription Coverage – CarelonRx

When you enroll in one of the Anthem medical plans, you automatically receive prescription drug coverage. Co-payment amounts vary depending on the prescription drug tier — generic, preferred brand, or non-preferred brand. You will save money by purchasing generic drugs rather than brand-name drugs and by ordering your maintenance medications (prescription drugs you use on a regular basis) through the home delivery mail order or Rx Maintenance 90 options.

¹ Members with maintenance medications should fill these prescriptions with the CarelonRx mail order or Rx Maintenance 90 program. Members will receive only two grace fills at a retail pharmacy before being charged the full cost of the medication.

² Home delivery is offered by CarelonRx. 

PPO Century Preferred

You’ll pay a separate annual prescription deductible of $50 for individual coverage or $150 for family coverage. After meeting this deductible, you’ll pay the listed co-pays or coinsurance for your prescriptions. There’s also a separate out-of-pocket maximum for prescriptions: $1,850 for individuals and $3,700 for families. Once you reach this amount (including your deductible), the plan covers 100% of your eligible prescription costs for the rest of the benefit year.

HDHP Century Preferred

For most prescriptions, you’ll need to meet your medical deductible first. After that, you’ll pay coinsurance as listed. Your prescription costs count toward your overall medical out-of-pocket maximum. Once you reach that maximum, the plan pays 100% of your eligible prescription costs for the rest of the benefit year.

Rx Maintenance 90

This program lets you fill 90-day prescriptions for maintenance medications at major retail pharmacies like CVS, Costco, Kroger, and Walmart — at the same cost as mail order. Some medications may still be cheaper through mail order or participating retail pharmacies. This program is optional.

Pricing a Medication

To find the lowest price for your medication, call CarelonRx at 833-267-2133 or use the “Price a Medication” tool on the Benefits page in Workday to compare costs between retail and mail order options for 30- or 90-day supplies.

If you are prescribed a drug that is not on your health plan’s preferred list, yet an alternative plan-preferred drug exists, CarelonRx may contact your doctor to ask whether that drug would be appropriate for you. If your doctor agrees to use the plan preferred drug, you will usually pay less.