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. It’s a convenient way to talk with a doctor, including 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

of hospitals across the U.S. are in our network*

95%

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

Same sex male couple cooking together laughing.

Consider this:

93%

are in our network nationwide*

How to find a doctor or facility in your plan • On the Sydney Health app, select Care. • On anthembluecross.com, choose Find Care. • Use the chat feature on Sydney Health or anthembluecross.com. • Call Member Services at the number on your ID card.

Three ways to check costs 1. On the Sydney Health app, select Care, then choose Find Care & Cost. 2. At anthembluecross.com, choose Find Care. Search by care provider or procedure to check costs. 3. Call Member Services at the number on your 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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Female patient looking at Female doctor.

and rewards

Savings opportunities:

Latino family looking at a prescription bottle and a tablet computer.

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.

Sign up for home delivery 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 Empire, go to anthembluecross.com to sign up.

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 Empire plan, go to the Pharmacy page on anthembluecross.com, or on the Sydney Health app, select Medication List.

1 Savings apply if you have pharmacy benefits with Anthem. Some apply if you have pharmacy benefits with another plan. 2 Anthem internal data, August 2022. All plans are different and not all doctors, hospitals, and pharmacies are in every plan's network. 3 Association for Accessible Medicines: 2020 Report (accessed September 2022): accessiblemeds.org.

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.

Over-the-shoulder view of a woman talking to doctor on her phone with a virtual visit.

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 low- and no-cost mental health resources available on anthembluecross.com, 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 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 low- 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.

Mother and toddler daughter at the doctors office.

Mother and young daughter at doctors' office looking at foot x-ray.

Woman at hospital looking at x-ray with doctor.

Close up of a delivery person handing a package to a homeowner.

Same sex female couple looking at a tablet computer.

Couple at table looking at a tablet computer.

Indian woman talking to an African American Pharmacist.

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.

African American father with daughter at the doctors office. Doctor is showing girl how to use an inhaler on her teddy bear.

Mother practicing yoga while young daughter looks on.

Over the shoulder shot of man looking at nutrition tracker on phone.

Woman talking to financial advisor via video conference.

Find Special Offers

Discover more ways to save money and make the most of your health plan benefits.

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 empireblue.com With SpecialOffers at anthembluecross.com, you’ll enjoy discounts on products and services, such as Glasses.com , 1-800-CONTACTS , FitBit , Garmin™, Jenny Craig , ProClear™, NationsHearing , and EyeMed™.

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.

1 HealthEquity: HSA Like a Pro (accessed September 2022): healthequity.com. 2 The Balance: How to Save on Your Taxes with an FSA (accessed September 2022): thebalancemoney.com.

1,2

• Pay less for care • Save on medicine • Prevent future health costs • Find savings, 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. Anthem Blue Cross is the trade name of Anthem HealthChoiceHMO, Inc. and Anthem HealthChoiceAssurance, Inc.Anthem Blue Cross HP is the trade name of Anthem HP, LLC.Independent licensees of the Blue Cross and Blue Shield Association.Anthem is a registered trademark of Anthem Insurance Companies, Inc. 1043317NYMENABC 12/23

* Blue Cross Blue Shield Association data, August 2022. All plans are different and not all doctors, hospitals, and pharmacies are in every plan's network.

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 a 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 empireblue.com 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

$2,230– $4,360

Consider this:

The amount adults can save in their lifetime by losing weight

$18,000 $31,000

* Centers for Disease Control and Prevention: Benefits of Physical Activity (accessed September 2022): cdc.gov.

–

2 Campaign for Tobacco-Free Kids: Immediate Smoker Savings from Quitting in Each State (accessed September 2022): 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.

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

PHARMACIES in the U.S. are in our network

65,000+

Mammograms correctly identify about 87% of women who have breast cancer.

87%

4 Susan G. Komen Foundation: Accuracy of Mammograms (accessed October 2022): komen.org.

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

$40,000– $80,000

3 Centers for Disease Control and Prevention: Cost-Effectiveness of Colorectal Cancer Interventions (accessed September 2022): cdc.gov.

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