RSM Electron Benefit Guide 2025

Medical Benefits Plan Comparison

Anthem PPO w/HSA

Anthem PPO

In-Network

Out-of-Network

In-Network

Out-of-Network

Annual Deductible

$3,000/$6,000

$6,000/$12,000

$1,000/$2,500

$2,000/$5,000

Annual Out-of- Pocket Maximum

$5,000/$10,000

$10,000/$20,000

$3,000/$7,500

$6,000/$15,000

20% Coinsurance after Ded.

40% Coinsurance after Ded.

$25 Copay; Ded. Does not apply

40% Coinsurance after Ded.

Primary Care Visit

Specialist Office Visit

20% Coinsurance after Ded.

40% Coinsurance after Ded.

$40 Copay; Ded. Does not apply

40% Coinsurance after Ded.

20% Coinsurance after Ded.

40% Coinsurance after Ded.

$50 Copay; Ded. Does not apply

Urgent Care Visit

Covered as In-Network

20% Coinsurance after Ded.

40% Coinsurance after Ded.

Prescription Drug

$10/$35/$70

Not covered

Emergency Room

20% Coinsurance after Ded.

$150 Copay per visit; Ded. Does not apply

20% Coinsurance after Ded.

40% Coinsurance after Ded.

10% Coinsurance after Ded.

40% Coinsurance after Ded.

Inpatient Services

20% Coinsurance after Ded.

40% Coinsurance after Ded.

10% Coinsurance after Ded.

40% Coinsurance after Ded.

Outpatient Services

Outpatient Lab and X-ray

20% Coinsurance after Ded.

40% Coinsurance after Ded.

10% Coinsurance after Ded.

40% Coinsurance after Ded.

20% Coinsurance after Ded.

40% Coinsurance after Ded.

10% Coinsurance after Ded.

40% Coinsurance after Ded.

Radiology

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