Medical
Allegion’s four medical plan options each provide comprehensive coverage to support you and your family’s health and wellbeing. The plans provide benefits for prescription drugs, mental health and free in-network preventive care. They also protect you from significant medical expenses through the annual out-of-pocket maximum.
Out-of-network benefits may be available, but your costs will be lower if you receive care from an in-network provider. Please note out-of-network benefits are not available with the High Performance Network (HPN).
You select your plan during Annual Enrollment each fall or if you experience a qualifying life event during the year.
HSP and HSP HPN Plan
The HSP Plan and HSP High Performance Network (HPN) Plan provide medical coverage and a tax-free way to help you build savings for future medical expenses through a Health Savings Account (HSA). The HSP Plan provides coverage in- and out-of-network, while the HSP HPN Plan provides only in-network coverage.
PPO and PPO HPN Plan
The PPO Plan offers in- and out-of-network coverage, but you pay less when you use in-network. The PPO High Performance Network (HPN) Plan offers in-network coverage only.
Find a Provider
Click the link below to see search instructions for Anthem in-network providers.
Contact Anthem
Anthem Blue Cross Blue Shield
1-844-963-0445
anthem.com
Medical Plan Glossary
Annual Deductible
The amount you pay each year for eligible in-network and out-of-network charges before the plan begins to pay.
Copays
A copay is a fixed amount you pay for a health care service. Copays do not count toward your deductible but do count toward your annual out-of-pocket maximum.
Coinsurance
Once you’ve met your deductible, you and the plan share the cost of care, which is called coinsurance. For example, you pay 20% for services and the plan will pay 80% of the cost until you have reached your out-of-pocket maximum.
Out-of-Pocket Maximum
The most you will pay each year for eligible network services and/or prescriptions. After you reach your out-of-pocket maximum, the plan picks up the full cost of covered medical care for the remainder of the year.
Medical Plan Comparison
| HSP | HSP High Performance Network (HPN) | PPO | PPO High Performance Network (HPN) | |
|---|---|---|---|---|
| In-Network | In-Network Only | In-Network | In-Network Only | |
| You Pay | ||||
| Calendar Year Deductible | ||||
| Individual | $1,700 | $1,700 | $1,000 | $1,000 |
| Individual Within a Family | $4,000 | $4,000 | $1,000 | $1,000 |
| Family | $4,000 | $4,000 | $2,000 | $2,000 |
| Calendar Year Out-of-Pocket Maximum (Includes Deductible) | ||||
| Individual | $3,400 | $3,400 | $3,500 | $3,500 |
| Family | $7,350 | $7,350 | $7,000 | $7,000 |
| Coinsurance / Copays | ||||
| Preventive Care | $0 | $0 | $0 | $0 |
| Primary Care Physician | 20%* | 20%* | $25 | $25 |
| Specialist | 20%* | 20%* | $40 | $40 |
| Urgent Care | 20%* | 20%* | $50 | $50 |
| Emergency Room | 20%* | 20%* | $200 | $200 |
Medical Plan Comparison
| HSP | |
|---|---|
| In-Network | |
| You Pay | |
| Calendar Year Deductible | |
| Individual | $1,700 |
| Individual Within a Family | $4,000 |
| Family | $4,000 |
| Calendar Year Out-of-Pocket Maximum (Includes Deductible) | |
| Individual | $3,400 |
| Family | $7,350 |
| Coinsurance / Copays | |
| Preventive Care | $0 |
| Primary Care Physician | 20%* |
| Specialist | 20%* |
| Urgent Care | 20%* |
| Emergency Room | 20%* |
| HSP High Performance Network (HPN) | |
| In-Network Only | |
| You Pay | |
| Calendar Year Deductible | |
| Individual | $1,700 |
| Individual Within a Family | $4,000 |
| Family | $4,000 |
| Calendar Year Out-of-Pocket Maximum (Includes Deductible) | |
| Individual | $3,400 |
| Family | $7,350 |
| Coinsurance / Copays | |
| Preventive Care | $0 |
| Primary Care Physician | 20%* |
| Specialist | 20%* |
| Urgent Care | 20%* |
| Emergency Room | 20%* |
| PPO | |
| In-Network | |
| You Pay | |
| Calendar Year Deductible | |
| Individual | $1,000 |
| Individual Within a Family | $1,000 |
| Family | $2,000 |
| Calendar Year Out-of-Pocket Maximum (Includes Deductible) | |
| Individual | $3,500 |
| Family | $7,000 |
| Coinsurance / Copays | |
| Preventive Care | $0 |
| Primary Care Physician | $25 |
| Specialist | $40 |
| Urgent Care | $50 |
| Emergency Room | $200 |
| PPO High Performance Network (HPN) | |
| In-Network Only | |
| You Pay | |
| Calendar Year Deductible | |
| Individual | $1,000 |
| Individual Within a Family | $1,000 |
| Family | $2,000 |
| Calendar Year Out-of-Pocket Maximum (Includes Deductible) | |
| Individual | $3,500 |
| Family | $7,000 |
| Coinsurance / Copays | |
| Preventive Care | $0 |
| Primary Care Physician | $25 |
| Specialist | $40 |
| Urgent Care | $50 |
| Emergency Room | $200 |
How the Plan Works
Preventive Care
You pay nothing for preventive care services provided by an in-network provider, like annual check-ups, immunizations and certain health screenings.
Other Medical and Prescription Costs
For other medical services and prescription drugs, you will pay the full cost until you meet the deductible.
You can use the money in your Health Savings Account for your expenses or save it for the future.
Costs After the Deductible
After you meet the deductible, you will pay a percentage of the cost of care until you reach the out-of-pocket maximum.