Radiology Partners uses the Anthem Blue Cross - Prudent Buyer (Large Group) Network for all medical plans. If you are located outside of California, the network used is the National Blue Card Network.
Radiology Partners offers different medical plans for different needs and budgets. Here’s an overview of how each type of plan works.
A Preferred Provider Organization (PPO) plan is a health plan that has contracts with a network of physicians and other medical professionals from which you can select a provider. The PPO plan also uses the Anthem Blue Cross – Prudent Buyer (Large Group) Network (or the National Blue Card Network if you are located outside of California) of physicians and facilities.
Here is a summary of the key plan features:
The deductible is low, but your per paycheck payroll deductions are higher than our other medical plans – and you may not contribute to a Health Savings Account (HSA) or have a Health Reimbursement Arrangement (HRA), which are only available through the Anthem HDHP medical plans.
You can choose any facility or provider for care, but if you receive health services from a doctor or hospital that is not in the preferred network (known as
“out-of-network”), you will pay a higher amount. In some cases, you will need to pay the non-preferred provider directly and file a claim to receive reimbursement.
It offers in-network preventive care and virtual care through 98point6 at no cost to you.
Certain in-network services, such as office and urgent care visits, are available for a low copay before you meet the deductible.
You have access to family planning benefits covered through Kindbody, including two IVF cycles and egg freezing.
This is a High Deductible Health Plan with in- and out-of-network coverage. It utilizes the Anthem Blue Cross – Prudent Buyer (Large Group) Network (or the National Blue Card Network if you are located outside of California) of physicians and facilities. There is one notable difference between the HDHP and a traditional PPO plan: the deductible is higher and you must pay the deductible before the plan pays benefits for most services.
Here is a summary of the key plan features:
This plan is a High Deductible Health Plan with in- and out-of-network coverage. It utilizes the Anthem Blue Cross – Prudent Buyer (Large Group) Network (or the National Blue Card Network if you are located outside of California) of physicians and facilities and is paired with a Health Reimbursement Arrangement (HRA).
Here is a summary of the key plan features:
Your payroll contributions are lower compared to the PPO medical plan.
It offers in-network preventive care at no cost to you, and virtual care through 98point6 at a low cost.
You must first meet your deductible before plan coverage begins. However,
in-network preventive care, such as an annual well visit, is covered 100% without copays and without requiring you to pay your deductible.
You can choose any facility or provider for care, but if you receive health services from a doctor or hospital that is not in the preferred network (known as
“out-of-network”), you will pay a higher amount. In some cases, you will need to pay the non-preferred provider directly and file a claim to receive reimbursement.
You have access to family planning benefits covered through Kindbody, including two IVF cycles and egg freezing.
You receive $1,000 in an HRA to help pay for out-of-pocket expenses regardless of your medical tier level. We make 100% of the contributions to your HRA. Teammates may not contribute.
Policy/group #: Anthem 174302
Call: (844) 451-2077
Website: anthem.com/ca
Website: 98point6.com/radpartners
PPO 750
HDHP HSA 2500
HDHP HRA 4000
In-network
In-network
In-network
HSA/HRA Funding
None
$750 for individual and
$1,500 for dependent coverage tiers to HSA
$1,000 to HRA
Annual Deductible
$750 individual
$3,000 family
$2,500 individual
$5,000 family ($3,300 per participant within a family)
$4,000 individual
$8,000 family
Coinsurance
20%
20%
20%
Annual Out-of-Pocket Maximum
$5,000 individual
$10,000 family
$4,000 individual
$8,000 family
$5,000 individual
$10,000 family
Outpatient Services
Preventive Care
No charge
No charge
No charge
Primary Care/Specialist Office Visits
$25 PCP / $50 Specialist
20% coinsurance after deductible
20% coinsurance after deductible
Virtual Visit
$0 copay via 98point6
$8 copay via 98point6
$0 copay via 98point6
Urgent Care
$50 copay/visit
20% after deductible
20% after deductible
Emergency Room
$100 copay/visit + 20% after deductible
$100 copay/visit + 20% after deductible
$100 copay/visit + 20% after deductible
Diagnostic Lab and X-Ray
Free-standing facility: $10 copay/visit;
Outpatient hospital: $35 copay/visit
Free-standing facility: 20% after deductible;
Outpatient hospital: $25 copay after deductible + 20%
Free-standing facility: 20% after deductible;
Outpatient hospital: $25 copay after deductible + 20%
Outpatient Surgery
20% after deductible
20% after deductible
20% after deductible
Inpatient Hospitalization
$100 copay/visit + 20% after deductible for hospital stay; 20% after deductible for physician/surgeon fees
$100 copay/visit + 20% after deductible for hospital stay; 20% after deductible for physician/surgeon fees
$100 copay/visit + 20% after deductible for hospital stay; 20% after deductible for physician/surgeon fees
Other Services
Mental Health/Substance Abuse
20% after deductible
20% after deductible
20% after deductible
Mental Health Office Visits
$25 copay, no deductible
20% after deductible
20% after deductible
Durable Medical Equipment
20% after deductible
20% after deductible
20% after deductible
Prosthetic Devices
20% after deductible
20% after deductible
20% after deductible
Acupuncture
$50 copay/visit; max 20 visits
20% after deductible
20% after deductible
Chiropractic
$50 copay/visit; max 20 visits
20% after deductible
20% after deductible
Fertility/Family Planning
Covered through Kindbody; includes two IVF cycles and egg freezing (see the Kindbody page for more info)*
Home Health Care
20% after deductible
20% after deductible
20% after deductible
Skilled Nursing or Extended Care Facility
20% after deductible
20% after deductible
20% after deductible
*All contributions for Kindbody benefits are applied towards your medical plan lifetime maximum. Note: For out-of-network coverage details, email radiologypartners@alliant.com to request the plan SBC. See the Prescription Drug page for coverage information.
When considering your medical plan options, there are multiple factors that impact your total annual out-of-pocket cost. Your premium, or the amount you pay from your check for coverage, is based on your plan selection and enrollment tier. Typically, a plan with a higher deductible will have lower premiums but a higher cost to utilize the plan, and vice versa.
Radiology Partners provides HDHP HSA 2500 and HDHP HRA 4000 plan participants with an employer contribution, helping offset out-of-pocket costs. The combination of the employer contribution and lower premiums mean these high-deductible plans can have a lower overall cost for members.
As a reminder, HSA funds never expire, meaning if you have a year of low medical needs, your HSA account can grow for future needs, further offsetting out-of-pocket costs.
The breakdown below demonstrates the maximum annual cost of each plan. Please note that your particular rates may vary.
*HSA contributions are funded on a prorated monthly basis, and rollover each plan year; HRA funds are prorated upon enrollment, and reset each plan year.
**Deductible is included in out-of-pocket maximum.
***Teammate contribution amounts may vary.
Within minutes, members can access their health plan details and medical information and redirect to other RP benefit providers in one place. Teammates and their dependents 18 and older can download the app in the Apple Store or Google Play to register with the Sydney Health platform.
Virtual CareWe’ve partnered with 98point6 to offer access to best-in-class virtual health care visits, which means you can sit back and talk to board-certified doctors anywhere you’re most comfortable. It’s perfect for those times when you’re too busy to get an appointment with your primary care doctor or they are simply too far away.
Teammates enrolled in the HDHP HRA 4000 and PPO 750 enjoy 98point6 at no cost. Teammates enrolled in the HDHP HSA 2500 plan enjoy 98point6 for just $8/visit.
To learn more and get started, register or log into your account on 98point6.com/radpartners or download the 98point6 app on the App Store or Google Play.
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