Preferred Provider Organization Plan (PPO)

This is only a summary. If you want more details about your coverage benefits, you can get the completed terms in the policy or plan document at Anthem BlueCross BlueShield, or view the Plan Summary and Summary of Benefits and Coverage.

• Allows you to go in or out of network with this plan, but you’ll pay less when you use Anthem providers.
• Comes with the ability to pay flat dollar copays for doctor’s office visits (and $0 if you obtain primary care from a UofL provider).
• Requires you to pay the full cost of medical services, before you meet the annual deductible. After you meet the annual deductible, the plan pays a percentage of the cost of most services until you reach the out-of-pocket maximum.
• Has its own prescription drug annual deductible and out-of-pocket maximum.
• Costs the most out of your paycheck, but less out of pocket when you need care.
• Embedded Deductible: Each individual only needs to meet their deductible and out-of-pocket maximum before the plan begins paying its share for that individual. Learn more about embedded deductibles by watching this video.

This plan comes with a Health Reimbursement Account. To make the most of your PPO Plan, it’s important to utilize your Health Reimbursement Arrangement (HRA). The HRA is designed to cover your full in-network deductible, helping you manage out-of-pocket medical costs more effectively.

Your HRA is funded by University of Louisville (UofL) contributions and administered through Optum Financial. You’ll receive a debit card preloaded from Optum with funds based on your coverage tier:

• Employee Only: $250
• Employee + Spouse/Qualified Adult: $500
• Employee + Children: $750
• Employee + Family: $750

These funds can be used exclusively for eligible medical and prescription expenses. When you need care, simply swipe your debit card. 

Please note: Only UofL contributes to your HRA. Personal contributions are not permitted.

You are also eligible for a Health Care Flexible Spending Account.