YOUR HEALTH

Coverage that cares

Your medical coverage

Get comprehensive coverage through one of Moody’s medical plans. You can choose between the Anthem HealthSAver Plan, which is paired with a Health Savings Account (HSA), and the Anthem Preferred Provider Organization (PPO) Plan. If you live in California, you also have access to the Kaiser Permanente Health Maintenance Organization (HMO) California Medical Plan. All plans include prescription drug coverage.

ANTHEM HEALTHSAVER PLAN:

What is a High Deductible Health Plan (HDHP)?

ANTHEM PREFERRED PROVIDER ORGANIZATION (PPO) PLAN:

What is a PPO Plan?

KAISER PERMANENTE HEALTH MAINTENANCE ORGANIZATION (HMO) PLAN:

What is a Health Maintenance Organization (HMO) Plan?

IN-NETWORK

	HealthSAver Plan	PPO Plan	HMO Plan
Plan features	In-network	In-network	In-network

Annual deductible (individual/family)	$1,800/$3,600	$600/$1,200	$500/$1,000
Coinsurance (after deductible)	90%	90%	90%
Annual out-of-pocket maximum (individual/family)	$3,600/$7,200	$2,500/$5,000	$3,000/$6,000
Health Savings Account (HSA) employer contribution	$750 employee only $1,500 family	N/A	N/A
Physician visits	90% after deductible	$20 copa y	$30 copa y
Specialist visits	90% after deductible	$30 copa y	$40 copa y
Urgent care	90% after deductible	$30 copa y	$30 copa y
Preventive care	100%	100%	100%
Emergency room	90% after deductible	$50 copay	90% after deductible
Inpatient hospital services	90% after deductible	90% after deductible	90% after deductible

OUT-OF-NETWORK

	HealthSAver Plan	PPO Plan
Plan features	Out-of-network	Out-of-network

Annual deductible (individual/family)	$3,600/$7,200	$1,200/$2,400
Coinsurance (after deductible)	70%	70%
Annual out-of-pocket maximum (individual/family)	$7,200/$14,400	$5,000/$10,000
Health Savings Account (HSA) employer contribution	$750 employee only $1,500 family	N/A
Physician visits	70% after deductible	70% after deductible
Specialist visits	70% after deductible	70% after deductible
Urgent care	70% after deductible	70% after deductible
Preventive care	100%	100%
Emergency room	90% after deductible	$50 copay
Inpatient hospital services	70% after deductible	70% after deductible

IN-NETWORK

	HealthSAver Plan	PPO Plan	HMO Plan
Plan features	In-network	In-network	In-network

Annual deductible (individual/family)	$1,800/$3,600	$600/$1,200	$500/$1,000
Coinsurance (after deductible)	90%	90%	90%
Annual out-of-pocket maximum (individual/family)	$3,600/$7,200	$2,500/$5,000	$3,000/$6,000
Health Savings Account (HSA) employer contribution	$750 employee only $1,500 family	N/A	N/A
Physician visits	90% after deductible	$20 copa y	$30 copa y
Specialist visits	90% after deductible	$30 copa y	$40 copa y
Urgent care	90% after deductible	$30 copa y	$30 copa y
Preventive care	100%	100%	100%
Emergency room	90% after deductible	$50 copay	90% after deductible
Inpatient hospital services	90% after deductible	90% after deductible	90% after deductible

OUT-OF-NETWORK

	HealthSAver Plan	PPO Plan
Plan features	Out-of-network	Out-of-network

Annual deductible (individual/family)	$3,600/$7,200	$1,200/$2,400
Coinsurance (after deductible)	70%	70%
Annual out-of-pocket maximum (individual/family)	$7,200/$14,400	$5,000/$10,000
Health Savings Account (HSA) employer contribution	$750 employee only $1,500 family	N/A
Physician visits	70% after deductible	70% after deductible
Specialist visits	70% after deductible	70% after deductible
Urgent care	70% after deductible	70% after deductible
Preventive care	100%	100%
Emergency room	90% after deductible	$50 copay
Inpatient hospital services	70% after deductible	70% after deductible

Understand the per-paycheck contributions for each plan.

Compare costs

Understand the per-paycheck contributions for each plan.

Compare costs

KNOW BEFORE YOU GO!

Key medical coverage considerations

Learn more

Health Savings Account (HSA)

To open a Fidelity HSA, you must be enrolled in the Moody’s Anthem HealthSAver Plan. Moody’s makes a contribution to your HSA ($750 employee/$1,500 family). Any unused money in your HSA is yours to invest in a variety of available options and to keep for future qualified medical expenses, even if you leave Moody’s or change medical plans.

Anthem health care services

If you enroll in an Anthem medical plan, you also have access to additional Anthem resources.

Family Advocate

Anthem Virtual 2nd Opinion

Virtual care

Musculoskeletal services

Your prescription drug coverage

Every Moody’s medical plan includes comprehensive prescription drug coverage. That means as long as you are enrolled in a medical plan, you are enrolled in prescription drug coverage – no separate enrollment, no extra hassle.

If you are enrolled in an Anthem medical plan, your prescription drug coverage is provided through CVS Caremark. If you are enrolled in the Kaiser plan, Kaiser has its own pharmacies. So, whether it’s a routine refill or a specialty prescription, you’ve got access to a nationwide network and tools to help manage costs and convenience.

Additional coverage details

Your dental and vision coverage

Dental

You can enroll in one of two Anthem Dental Plans: PPO-A or PPO-B. Both plans are composed of a national network of general and specialized dentists and include in-network and out-of-network choices – though you’ll save the most money staying in-network.

Learn more about your dental plan

Vision

Through UnitedHealthcare, you and eligible family members are covered for an annual eye exam as well as eyeglasses or contact lenses. You have the option to visit an in-network or out-of-network provider but will enjoy the greatest savings in-network.

Learn more about your vision plan

Where to go, who to ask

Moody’s Benefits Connect

1-866-397-5358,

Monday through Friday

9 a.m. to 6 p.m. Eastern Time

Benefits Connect enrollment site