Save money
with your health plan
Health plan savings
start here
Choose virtual care
Have a video call or virtual chat visit with a board-certified doctor 24/7 using the Sydney Health app on your smartphone or tablet. You’ll owe a copay or less. You can also schedule virtual visits with mental health professionals.
TIP: Ask your doctor if they offer telehealth visits. If you have access to the Sydney Health app, you can start or schedule a virtual visit there 24/7.
Pay less for care
average savings by choosing care other than the ER when it's not a true emergency*
$1,700
Save on medicine
doctors and hospitals
across the country are
in our network*
97,000+
Use a pharmacy in your plan’s network
Just like with doctors, pharmacies in your plan’s network have agreed to provide medications to you at a discount, so you’ll pay less out of pocket.
Compare costs
Find care
Consider this. You could save, on average:
93%
are in our network nationwide*
How to find a doctor or facility in your plan
• On the Sydney Health app or anthem.com/ca, select Care,
then choose Find Care.
• Use the chat feature on Sydney Health or anthem.com/ca.
• Call Member Services at the number on your health plan ID card.
Two ways to check costs
1. On the Sydney Health app or anthem.com/ca, select Care, then choose
Find Care. Search by care provider or procedure to check costs.
2. Call Member Services at the number on your health plan ID card.
Helping you feel confident, protected, and covered
You may be surprised at the many ways to unlock savings with your health plan. Explore the information here and start saving today.
Additional resources
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Find care with Sydney Health
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and rewards
Savings opportunities:
Prevent future health costs
Pay less for care
Save on medicine
Find savings, discounts, and rewards
You can save money and get the care
you need. Here are a few ideas to help.
of doctors
•
•
•
TIP: Out of network = Higher out of pocket
When you go to a doctor outside your plan’s network, you’ll pay a higher share of the costs.
Use generic medicines
Generic medicines are just as effective as brand name drugs — at a fraction of the cost. Ask your doctor if they might work for you.
Try over-the-counter medications
Medicine you can buy without a prescription can help with many common ailments, such as allergies, pain, sinus problems, and sleep issues — and it’s almost always cheaper. Buying store brands will save you even more money.
Save more on certain medications
The Price a Medication tool on anthem.com/ca allows you to compare costs for your prescription medications and find the best price in your plan's network.
Review your plan’s covered drug list
A drug list is a list of generic and brand-name medicines covered by your health plan. They are listed in groups called tiers. Tiers 1 and 2 include low-cost and generic medicines that will save you the most money. To check the drug list on your Anthem plan, log in to the Sydney Health app or anthem.com/ca, go to Pharmacy Prescriptions, and select Medication List.
1
1 Savings apply if you have pharmacy benefits with Anthem. Some apply if you have pharmacy benefits with another plan.
2 Blue Cross and Blue Shield Association: Six ways we’re lowering drug prices (March 3, 2022): bcbs.com.
Know your options for emergency care
If you need medical care quickly and it’s not a true emergency, try your doctor’s office, virtual care, a retail health clinic, or urgent care. It could save you hundreds of dollars. Think sprains, cuts, rashes, earaches, and other common illnesses and injuries.
Stay in your plan’s network
Doctors and other health professionals in your plan’s network have agreed to provide services to you at a discount, so you’ll pay less out of pocket. These care providers can include doctors, mental health professionals, dentists, optometrists, labs, hospitals, imaging centers, and pharmacies.
Remember: Doctors and hospitals not in your plan’s network can charge any amount they want and bill you for the difference between what your plan pays them and what they charge.
*
Whether you take medicine every day or only once in a while, the following tips will help you save money. Be sure to check with your doctor before changing any medicines.
Home delivery sign up
Find a pharmacy
Price a medication
$18,000 to $31,000 (can add additional stats here)
The amount adults can save in their lifetime by losing weight
TIP: Out of network = Higher out of pocket
When you go to a doctor outside your plan’s network, you’ll pay a higher share of the costs.
Taking steps today to keep yourself healthy can help prevent chronic conditions and keep your medical bills down over time.*
Prevent future health costs
Support your mental health
Don’t overlook the impact that stress, anxiety, and depression can have on your health. Explore the lower and no-cost mental health resources available on anthem.com/ca, the Sydney Health app, and through your employee assistance program (EAP) if your employer offers one.
Try a wellness program
Your health plan offers a variety of budget-friendly and no-cost wellness programs, such as quitting smoking, weight management,
or stress reduction.
Schedule regular dental and eye exams
Many chronic conditions show early signs in the mouth and eyes. See your dentist every six months and get an eye exam every year.
Use your preventive care benefits
Getting lower- or no-cost checkups, screenings, and vaccines can prevent illness and catch issues early, when they’re easier to treat.
Explore your preventive care benefits.
Practice a healthy lifestyle
Taking care of your health can help you have more energy and stay healthy. Try to eat well, exercise regularly, get enough sleep, manage your weight, and not smoke.
Find discounts
Discover more ways to save money and make the most of your health plan benefits.
1
Find discounts and other savings
*
Explore additional benefits
Your employer might offer gym or health club reimbursement, programs that reward you for being healthy, and transportation for medical appointments. Check with your manager or HR benefits department. You can also explore the gym discounts available through SpecialOffers.
Tap into the helpful resources of your EAP
You may have access to an employee assistance program (EAP) through your employer. An EAP offers lower and no-cost services such as financial and legal counseling, mental health support, and job training. Check with your manager or HR benefits department.
Find healthy living discounts on anthem.com
With SpecialOffers and Discounts at anthem.com/ca, you’ll enjoy savings on products and services, such as dentures, hearing aids, eyeglasses and contacts, LASIK eye surgery, health products, fitness programs, ancestry kits, and pet insurance.
Sign up for an HSA or FSA
A health savings account (HSA) or flexible spending account (FSA) lets you set aside money from your paycheck tax-free to pay for qualified healthcare expenses like prescription drugs, lab tests, or eyeglasses.
You could save up to 30% in taxes using an HSA or FSA.
1 Fidelity: HSA vs. FSA: Which is right for you? (November 9, 2023): fidelity.com.
2 The Balance: How to Save on Your Taxes with an FSA (September 2022): thebalancemoney.com.
1,2
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• Pay less for care
• Save on medicine
• Prevent future health costs
• Find discounts
Sydney Health is offered through an arrangement with Carelon Digital Platforms, a separate company offering mobile application services on behalf of your health plan.
EAP products are offered by Anthem Insurance Companies, Inc.
Anthem Blue Cross is the trade name of Blue Cross of California. Independent licensee of the Blue Cross Association. Anthem is a registered trademark of Anthem Insurance Companies, Inc.
1043317CAMENABC Rev. 03/24
* Anthem internal data, 2024
Compare costs for care
Prices for healthcare services can vary by hundreds — or even thousands — of dollars, so it pays to shop around for:
X-rays and scans, such as an MRI.
Labs, such as blood or urine tests.
Procedures like back surgeries or
knee replacements.
TIP: Use the Find Care & Cost feature on the Sydney Health mobile app or anthem.com/ca to find a doctor in your plan's network and quickly check costs.
If you believe you are having a life-threatening emergency or your health is in serious jeopardy, call 911 immediately.
The average amount saved per year by a pack-a-day smoker who quits
$2,700– $5,140
Consider this:
The amount adults can save in their lifetime by losing weight
$18,000 $31,000
1
* Centers for Disease Control and Prevention: Benefits of Physical Activity (August 1, 2023): cdc.gov.
–
2 Campaign for Tobacco-Free Kids: Immediate Smoker Savings from Quitting in Each State (January 16, 2024): tobaccofreekids.org.
Saeideh Fallah-Fini, Atif Adam, Lawrence J. Cheskin, Sarah M. Bartsch, Bruce Y. Lee: The Additional Costs and Health Effects of a Patient Having Overweight or Obesity: A Computational Model (September 2017): onlinelibrary.wiley.com/doi/10.1002/oby.21965.
2
SM
Download or log in to the Sydney Health mobile app to find a doctor, check costs, or access virtual care.
LESS using generic medicines instead of brand-name drugs.
80-85%
You'll pay
3
PHARMACIES
in the U.S. are in our network
2
65,000+
Mammograms correctly identify about 87% of women who have
breast cancer.
87%
4 Susan G. Komen Foundation: Accuracy of Mammograms
(November 29, 2022): komen.org.
4
Finding ways to save money on healthcare empowers you to take care of your health today so you have the physical and emotional energy to do what you love most in the days and years ahead.
Helping you save money and stay well
Average cost for newly diagnosed colorectal
cancer treatment, depending on the stage
$66,500– $80,000
3 Centers for Disease Control and Prevention: Health and Economic
Benefits of Colorectal Cancer Interventions (December 21, 2022): cdc.gov.
3
1
external link
1
Pay less for care
Prevent future health costs
Save on medicine
Find discounts
Find care
Two ways to check costs:
1. On the Sydney Health app or anthem.com,
select Care, then choose Find Care. Search by
care provider or procedure to check costs.
2. Call Member Services at the number on your
health plan ID card.
How to find a doctor or facility in your plan
• On the Sydney Health app, select Care.
• On anthem.com, choose Find Care.
• Use the chat feature on Sydney Health
or anthem.com.
• Call Member Services at the number on
your ID card.
How to find a doctor or facility in your plan
• On the Sydney Health app or anthem.com, select Care,
then choose Find Care.
• Use the chat feature on Sydney Health or anthem.com.
• Call Member Services at the number on your health plan ID card.
per doctor's visit when staying in the plan's network*
$25-75
by choosing care other than the ER when it's not a true emergency*
$1,700
Sign up for home delivery with CarelonRx Pharmacy
Having a 90-day supply conveniently delivered right to your door saves you a trip to the pharmacy and could save you money as well. If you have pharmacy benefits with Anthem
and have medications you take regularly, go to
anthem.com/ca to Request a New Home Delivery Prescription and follow the steps to sign up.
Use generic medicines
Generic medicines are just as effective as brand name drugs — at a fraction of the cost. Ask your doctor if they might work for you.
Pay less for care
Consider this. You could save, on average:
savings by choosing care other than ER when it's not a true emergency*
$1,700
per doctor's visit when staying in the plan's network*
$25-75
Home delivery sign up
Price a medication
Find a pharmacy
Whether you take medicine every day or only once in a while, the following tips will help you save money. Be sure to check with your doctor before changing any medicines.
1
Save on medicine
*
Try over-the-counter medications
Medicine you can buy without a prescription can help with many common ailments, such as allergies, pain, sinus problems, and sleep issues — and it’s almost always cheaper. Buying store brands will save you even more money.
Use generic medicines
Generic medicines are just as effective as brand name drugs — at a fraction of the cost. Ask your doctor if they might work for you.
Sign up for home delivery with CarelonRx Pharmacy
Having a 90-day supply conveniently delivered right to your door saves you a trip to the pharmacy and could save you money as well. If you have pharmacy benefits with Anthem and have medications you take regularly, go to anthem.com
to Request a New Home Delivery Prescription and follow
the steps to sign up.
Use a pharmacy in your plan’s network
Just like with doctors, pharmacies in your plan’s network have agreed to provide medications to you at a discount, so you’ll pay less out of pocket.
Review your plan’s covered drug list
A drug list is a list of generic and brand-name medicines covered by your health plan. They are listed in groups called tiers. Tiers 1 and 2 include low-cost and generic medicines that will save you the most money. To check the drug list on your Anthem plan, log in to the Sydney Health app or anthem.com, go to Pharmacy Prescriptions, and select Medication List.
LESS using generic medicines instead of brand-name drugs.
3
80-85%
You'll pay
PHARMACIES
in the U.S. are in our network
2
65,000+
1 Savings apply if you have pharmacy benefits with Anthem. Some apply if you have pharmacy benefits with another plan.
2 Blue Cross and Blue Shield Association: Six ways we’re lowering drug prices (March 3, 2022): bcbs.com.
Additional resources
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Lorem ipsum
Download or log in to the Sydney Health mobile app to find a doctor, check costs, or access virtual care.
Find care with Sydney Health
Finding ways to save money on healthcare empowers you to take care of your health today so you have the physical and emotional energy to do what you love most in the days and years ahead.
Helping you save money and stay well
Discover more ways to save money and make the most of your health plan benefits.
1
Find savings, discounts, and rewards
*
Explore additional benefits
Your employer might offer gym or health club reimbursement, programs that reward you for being healthy, and transportation for medical appointments. Check with your manager or HR benefits department. You can also explore the gym discounts available through SpecialOffers.
Tap into the helpful resources of your EAP
You may have access to an employee assistance program
(EAP) through your employer. An EAP offers low- and
no-cost services such as financial and legal counseling,
mental health support, and job training. Check with your manager or HR benefits department.
Find healthy living discounts on anthem.com
With SpecialOffers and Discounts at anthem.com, you’ll enjoy savings on products and services, such as dentures, hearing aids, eyeglasses and contacts, LASIK eye surgery, health products, fitness programs, ancestry kits, and pet insurance.
1,2
1 Fidelity: HSA vs. FSA: Which is right for you? (November 9, 2023): fidelity.com.
2 The Balance: How to Save on Your Taxes with an FSA (September 2022): thebalancemoney.com.
Sign up for an HSA or FSA
A health spending account (HSA) or flexible spending account (FSA) lets you set aside money from your paycheck tax-free to pay for qualified healthcare expenses like prescription drugs, lab tests, or eyeglasses.
You could save up to 30% in taxes using an HSA or FSA.
Find discounts
Mammograms correctly identify about 87% of women who have
breast cancer.
87%
4 Susan G. Komen Foundation: Accuracy of Mammograms
(November 29, 2022): komen.org.
4
3 Centers for Disease Control and Prevention: Health and Economic
Benefits of Colorectal Cancer Interventions (December 21, 2022): cdc.gov.
Average cost for newly diagnosed colorectal
cancer treatment, depending on the stage
$66,500– $80,000
3
2 Campaign for Tobacco-Free Kids: Immediate Smoker Savings from Quitting in Each State (accessed January 16, 2024): tobaccofreekids.org.
The average amount saved per year by a pack-a-day smoker who quits
2
$2,700– $5,140
The amount adults can save in their lifetime by losing weight
$18,000- $31,000
–
Saeideh Fallah-Fini, Atif Adam, Lawrence J. Cheskin, Sarah M. Bartsch, Bruce Y. Lee: The Additional Costs and Health Effects of a Patient Having Overweight or Obesity: A Computational Model (September 2017): onlinelibrary.wiley.com/doi/10.1002/oby.21965.
1
1
Consider this:
* Centers for Disease Control and Prevention: Benefits of Physical Activity (accessed August 1, 2023): cdc.gov.
Taking steps today to keep yourself healthy can help prevent chronic conditions and keep your medical bills down over time.*
Prevent future health costs
Support your mental health
Don’t overlook the impact that stress, anxiety, and depression can have on your health. Explore the low- and no-cost mental health resources available on anthem.com, the Sydney Health app, and through your employee assistance program (EAP) if your employer offers one.
Practice a healthy lifestyle
Taking care of your health can help you have more energy and stay healthy. Try to eat well, exercise regularly, get enough sleep, manage your weight, and not smoke.
Try a wellness program
Your health plan offers a variety of low- and no-cost
wellness programs, such as quitting smoking, weight management, or stress reduction.
Schedule regular dental and eye exams
Many chronic conditions show early signs in the mouth and eyes. See your dentist every six months and get an eye exam every year.
Use your preventive care benefits
Getting lower- or no-cost checkups, screenings, and vaccines can prevent illness and catch issues early, when they’re easier to treat.
Explore your preventive care benefits.
Sydney Health is offered through an arrangement with Carelon Digital Platforms, a separate company offering mobile application services on behalf of your health plan.
Anthem Blue Cross and Blue Shield is the trade name of: In Colorado: Rocky Mountain Hospital and Medical Service, Inc. HMO products underwritten by HMO Colorado, Inc. In Connecticut: Anthem Health Plans, Inc. In Indiana: Anthem Insurance Companies, Inc. In Georgia: Blue Cross Blue Shield Healthcare Plan of Georgia, Inc. and Community Care Health Plan of Georgia, Inc. In Kentucky: Anthem Health Plans of Kentucky, Inc. In Maine: Anthem Health Plans of Maine, Inc. In Missouri (excluding 30 counties in the Kansas City area): RightCHOICE® Managed Care, Inc. (RIT), Healthy Alliance® Life Insurance Company (HALIC), and HMO Missouri, Inc. RIT and certain affiliates administer non-HMO benefits underwritten by HALIC and HMO benefits underwritten by HMO Missouri, Inc. RIT and certain affiliates only provide administrative services for self-funded plans and do not underwrite benefits. In Nevada: Rocky Mountain Hospital and Medical Service, Inc. HMO products underwritten by HMO Colorado, Inc., dba HMO Nevada. In New Hampshire: Anthem Health Plans of New Hampshire, Inc. HMO plans are administered by Anthem Health Plans of New Hampshire, Inc. and underwritten by Matthew Thornton Health Plan, Inc. In 17 southeastern counties of New York:Anthem HealthchoiceAssurance, Inc., and Anthem HealthchoiceHMO, Inc. In these same counties Anthem Blue Cross and Blue Shield HP is the trade name of Anthem HP. LLC.In Ohio: Community Insurance Company. In Virginia: Anthem Health Plans of Virginia, Inc. trades as Anthem Blue Cross and Blue Shield, and its affiliate HealthKeepers, Inc. trades as Anthem HealthKeepersproviding HMO coverage, and their service area is all of Virginia except for the City of Fairfax, the Town of Vienna, and the area east of State Route 123. In Wisconsin: Blue Cross Blue Shield of Wisconsin (BCBSWI), underwrites or administers PPO and indemnity policies and underwrites the out of network benefits in POS policies offered by CompcareHealth Services Insurance Corporation (Compcare) or Wisconsin Collaborative Insurance Corporation (WCIC). Compcareunderwrites or administers HMO or POS policies; WCIC underwrites or administers Well Priority HMO or POS policies. Independent licensees of the Blue Cross and Blue Shield Association. Anthem is a registered trademark of Anthem Insurance Companies, Inc.
1043317MUMENABS 12/23
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