Benefits

Medical

VCUHS employees can select either a PPO or a HMO for their medical insurance needs. Open enrollment takes place in November and plan changes can be made as a result of significant life events. Highlights of each plan are as follows:

VCUHS Choice CARE (PPO)

  • Administered by Anthem Blue Cross and Blue Shield.
  • Primary care physician selection and referrals not required.
  • Three physician networks:
    • VCUHS network: inpatient care covered in full; office visit copay $10
    • Anthem network: inpatient care subject to copay and coinsurance; office visit copay $10.00 for primary care, $25 for specialty care.
    • Out-of-network: care subject to deductible and coinsurance.
  • Wellness and preventative benefits.
  • Pre-natal Management Program.
  • Disease Management Program.
  • Prescriptions: tiered copays; VCUHS pharmacy discounts; mail order and retail maintenance pharmacies available.
  • Vision: $15 copay for annual exam. Eyeglasses or contact lenses, laser surgery discounts and mail order replacement contacts available.
  • Out-of-network benefits available.

Anthem HealthKeepers (HMO)

  • Administered by Anthem Blue Cross and Blue Shield.
  • Primary Care Physician (PC) manages care; office visit copay $10.
  • Specialist referrals by PCP only; office visit copay $20.
  • Inpatient care copay $250 per admission.
  • No out-of-network coverage.
  • Prescriptions: tiered copays; VCUHS pharmacy discount; mail order service available.
  • Vision: In-network coverage only; $10 copay for annual exam. Eyeglasses or contact lenses; laser surgery discounts; mail order replacement contacts are available.
  • Prenatal Management Program.
  • Disease Management Program.