medical

Wherever you are, you can feel better faster.

Closed trails can throw you off track. So can a runny nose or fever. Luckily, we make it easier to get the medical attention you and your family need – any time, any place. All our medical plans include both in-person visits and FREE virtual care featuring easy, on-the-app support.

Who is eligible?

Full-time employees are eligible to participate, as well as those meeting certain conditions under the Affordable Care Act (ACA).  

How to keep you – and your bank account – healthy 

This is a win-win. 

Seeing your doctor for an annual checkup and preventive screenings is one of the easiest ways to stay on top of your health.  

You may catch any issues early — before they become bigger (and more expensive) problems. 

And preventive care is included in your plan – at no cost to you. So go ahead and schedule your exam today! 

Comprehensive Medical Plans with Anthem 

Choose from three Anthem Smart Choice plans that all cover the same: 

  • Preventative care – at no cost to you 
  • Primary care visits 
  • Specialist appointments 
  • Emergency services 

You’ll find coverage options that work for you – as well as your children, spouse and family.  

So, how are the plans different? It comes down to the deductibles, plan premiums and how much you’ll pay out of pocket. 

What do all these insurance terms mean?

Deductible 
The amount of money you must pay for covered health care services before the insurance plan begins paying 

With Trilogy’s plans, once you reach your deductible, “coinsurance” kicks in.  

Coinsurance 
The percentage of a covered health care service that you pay after you meet your deductible  

You only pay 20% of the cost of any covered services for the remainder of the plan year. The deductible resets at the beginning of the plan year. 

Embedded individual deductible 
Each family member has their own individual deductible in addition to the family deductible 

If you cover dependents on your Trilogy medical plan, each family member has their own individual deductible, which is part of the larger family deductible.  

Here’s how it works: 

  • Each person’s deductible is tracked separately. 
  • Once a family member meets their individual deductible, the plan starts sharing costs (coinsurance) for that person. 
  • When the total family deductible is met, coinsurance kicks in for everyone in the family. 

It’s a tool designed to make sure everyone in your family gets the care they need without paying more than necessary. 

Out-of-pocket maximum 
The maximum amount of money you would pay for health care services in a given year 

Once that threshold is reached, the plan pays any following services at 100%. 

Premiums 
Weekly costs deducted from your paycheck for the coverage you select 

Premiums are set each year based on how much the plan costs for all employees. Trilogy covers most of the cost, so you only pay a smaller share. 

Tips to help cut your costs  

  • Use First Stop Health as your primary option! It’s free, unlimited and available 24/7! 
  • Save the ER for real emergencies. It’s the priciest option, so head there only when it’s a matter of life or limb.  
  • Don’t skip your annual checkups. Trilogy health plans cover your exams each year and help catch any issues early! 
Next Steps:

See plan costs and coverage.  

FREE Virtual Care from First Stop Health 

Ditch the waiting room for 24/7 virtual care! 

First Stop Health is included – at no extra charge – for all members enrolled in Trilogy’s Anthem health plans, and their households. Even if someone in your household isn’t covered in the Anthem plan. 

It’s fast…easy…and did we say FREE? 

  • Primary care check-ins, annual physicals and more – often with same-day or next-day appointments 
  • Urgent care for flu, stomach viruses and sprains – with a typical wait of only a few minutes, 24/7 
  • Emotional well-being support for anxiety, depression and other worries – appointments usually scheduled within three business days  
  • All from the comfort and privacy of anywhere you choose! 

Activate your account with First Stop Health 

Next Steps: 
See plan details.

Sydney Health App

Watch the video
Don’t waste time looking for your insurance card!  

Access this Anthem digital health guide on your mobile in a hurry.  

You can also: 

  • Find care providers 
  • Compare costs 
  • Track claims 
  • Explore well-being resources 

Next Steps: 
Download the Sydney Health app.


Choosing a Care Setting