Health Plans
explore your health plan options
We offer three high-deductible health plans (HDHPs) that provide comprehensive coverage and financial flexibility. Each plan is designed to support your health while empowering you to take control of your healthcare expenses.
No matter which plan you choose, all of our health plans include:
- Access to high-quality providers.
- Free preventive care covered at 100%, keeping you and your family healthy.
- Employer contributions to a Health Savings Account (HSA) to help offset costs and save for future medical expenses.
- In-network and out-of-network coverage for added flexibility.
- Comprehensive prescription drug coverage.
- Base Critical Illness coverage for you and your enrolled family members.
This plan features a lower deductible, with lower out-of-pocket expense. This plan is suited for employees who expect ongoing moderate to high medical expenses.
Health Plan Option 1 Summary of Benefits
Anthem Certificate of Coverage
| Weekly | Bi-Weekly | |
| Employee Only | $32.84 | $65.68 |
|---|---|---|
| Employee + Spouse or Domestic Partner | $78.86 | $157.72 |
| Employee + Child(ren) | $64.78 | $129.57 |
| Family | $107.78 | $215.56 |
Middle of the road deductible with middle of the road out-of-pocket expense potential. This plan is suited for those who expect low to moderate medical expenses.
Health Plan Option 2 Summary of Benefits
Anthem Certificate of Coverage
| Weekly | Bi-Weekly | |
| Employee Only | $16.54 | $33.09 |
|---|---|---|
| Employee + Spouse or Domestic Partner | $43.00 | $86.01 |
| Employee + Child(ren) | $35.45 | $70.89 |
| Family | $58.89 | $117.77 |
Higher deductible with higher total out-of-pocket expense potential. This plan is suited for those who do not anticipate significant expenses and are willing to accept more risk.
Health Plan Option 3 Summary of Benefits
Anthem Certificate of Coverage
| Weekly | Bi-Weekly | |
| Employee Only | $4.55 | $9.09 |
|---|---|---|
| Employee + Spouse or Domestic Partner | $16.61 | $33.22 |
| Employee + Child(ren) | $13.85 | $27.71 |
| Family | $22.90 | $45.79 |
While premiums for domestic partner coverage are the same as those for covering your spouse or family, there is one tax implication you should be aware of:
- The total cost to cover your domestic partner and/or your partner's children is considered taxable income (i.e., imputed income) and is reported as such on your Form W-2.
This will result in additional income taxes withheld from your pay, so the cost of covering your domestic partner will have the effect of lowering your net income.
If you enroll in an Arcwood Environmental health plan and use tobacco, you will be required to pay a $75 monthly surcharge in addition to your weekly or bi-weekly payroll deductions. A person is considered a tobacco user if they currently use any of the following products, including but not limited to: cigarettes, e-cigarettes, cigars, chewing tobacco, smokeless tobacco, snuff, vapor, etc.
How to avoid the surcharge:
- Quit your tobacco use for at least three months. If you're ready to quit, contact HR Services to report your change in status to waive the tobacco surcharge.
- Complete the Freedom from Smoking Plus Tobacco Cessation Program* When you complete this eight-week program, you will receive a certificate of completion statement. Submit this to HR Services to waive the tobacco surcharge. To ensure you have no surcharges for the next year, you must complete this program by December 15. Please call HR Services at 317-390-3148 for a link to participate.
*All employees may participate in the Smoking Plus Tobacco Cessation program. You do not have to be enrolled in one of our health plans to participate. Spouses/domestic partners and dependent children (ages 18 -26) may also participate if they are enrolled in one of our health plans.
Frequently Asked Questions:
When will the surcharge be deducted from my payroll check?
The monthly surcharge will be distributed evenly throughout each month based on your pay cycle. The annual tobacco surcharge is $900 ($75 x 12 months). If you are hired mid-year, the annual tobacco surcharge will be prorated.
My spouse/domestic partner and I do not use tobacco products. How do I avoid the surcharge?
During the benefit enrollment process, you will be asked to affirm your non-tobacco use. It’s that simple!
My spouse/domestic partner and I do not use tobacco products. How will you monitor my tobacco status?
Honesty and integrity are at the heart of our core values. We trust our employees will make the appropriate selection for themselves and their spouses/domestic partners when updating their tobacco status in the system.
Click here to see how primary and secondary health insurance works together.
Resources
24-Hour Nurse line
1-800-337-4770
Call to speak to a nurse anytime, day or night.
Sydney health 24/7 virtual care
Need immediate care? Schedule doctor visits 24/7 through live video with board-certified physicians. Costs range $85-$175 per visit. Licensed psychiatrists and psychologists are also available at an additional cost.
SUPPORT FOR QUITTING SMOKING
If you're ready to quit smoking, the American Lung Association offers a tobacco cessation program.
traveling outside the u.s.?
When you travel outside the U.S., your Anthem plan covers you in the event of an emergency. Visit bcbsglobalcore.com for more information regarding the 24/7 Services Center contact information and claim forms.
