Our Health Insurance Provider

Starting in 2026, Anthem will provide our Medical, Dental, and Vision coverage. You’ll still have the same great plan options for you and your family—now with Anthem’s top-notch customer service and larger network Click Here to Find Providers. Check out the details below, and reach out to Health Advocate with any specific questions about the plans.

I am looking for information on:

Medical

Dental

Vision

Mental Health

Enhancements

Medical

While all 3 medical plans cover preventative care at 100%, the benefits of each plan are quite different. Learn more about the plans below:

PPO (Preferred Provider Organization) HSA (Health Savings Account) HDHP (High Deductible Health Plan) COMPARE PLANS (Health Advocate & ALEX Go) PHARMACY INFORMATION Dependent Verification

PPO (Preferred Provider Organization)

ANTHEM BLUE CLASSIC PPO

You want this if:
You’d rather pay a bit more each paycheck to save on medical costs later. It has the lowest deductible and out-of-pocket maximum, and it’s the only plan that includes copays for doctor and specialist visits. A great fit if you have regular medical needs or expect higher costs, like a pregnancy or upcoming procedure.

In-Network Deductible (individual/family) $1,000 / $3,000
In-Network Out of Pocket Max $4,000 / $12,000
Copays: $25 PCP and $50 Specialist
Coinsurance 20%
Emergency Room Copay $250
Rx Copay $15 / $40 / $70 (administered by CVS Caremark)

Click here for Summary: SBC

HSA (Health Savings Account)

ANTHEM HSA MED EMPLOYEE ONLY

You want this if:
You do not have regular medical expenses and want to focus on saving. This is the only medical plan that meets the IRS guidelines for pairing with a Health Savings Account. All expenses other than preventative care, such as office visits and prescriptions, would be subject to the deductible. If the unexpected does happen, this plan still offers the security of coinsurance and the maximum out-of-pocket.

In-Network Annual Deductible $2,500
In-Network Out-of-Pocket Maximum $5,000
Coinsurance 20%
In-Network Office Visits, Emergency Room, and Rx
- Once the deductible is met, you pay a 20% coinsurance

Click here for Summary: SBC

ANTHEM HSA MED EE + DEPENDENTS

You want this if:
You and/or dependents on the plan do not have regular medical expenses, and you want to focus on saving. This is the only medical plan that fits the IRS guidelines to be paired with a Health Savings Account. All expenses other than preventative care, such as office visits and prescriptions, would be subject to the deductible. If the unexpected does happen, this plan still offers the security of coinsurance and the maximum out-of-pocket. This is the same plan as the individual HSA Medical; however, IRS guidelines do require a higher individual deductible in order for a plan with dependents to be eligible for a Health Savings Account.

In-Network Annual Deductible $3,400 with a total aggregate of $5,000
In-Network Out-of-Pocket Maximum $5,000 per individual, with a total aggregate of $10,000
Coinsurance 20%
In-Network Office Visits, Emergency Room, and Rx
- Once the deductible is met, you pay a 20% coinsurance

Click here for Summary: SBC

HDHP (High Deductible Health Plan)

ANTHEM HDHP

You want this if:
You prefer to pay less per check with the potential of paying higher medical expenses later. While the plan does offer prescription copays, it is designed to provide security in the event of unexpected medical expenses. The high deductible is equal to the max-out-of-pocket, effectively capping your costs.

In-Network Annual Deductible $6,650 / $13,000
In-Network Out-of-Pocket Maximum $6,650 / $13,000
Coinsurance 0% after deductible
In-Network office visits and emergency room Ded/100%
Prescription Drugs starting at $15

Click here for Summary: SBC

COMPARE PLANS (Health Advocate & ALEX Go)

Compare Plans with Health Advocate and Alex Go

We have partnered with Health Advocate to help you get the answers you need, specific to your personal needs! Also available, (ALEX Go), simply answer a few questions and review an estimate on what your annual expenses + plan premiums would be to determine which plan could offer the best cost efficiency.

Free and confidential following HIPAA compliance
Billing and Nursing Advocates with experience to help understand how our plans work with your needs

Click here for Health Advocate details in English

Click here for Health Advocate details in Spanish

PHARMACY INFORMATION

Pharmacy Information

About:
CVS Caremark is our pharmacy benefit provider, offering convenient access to prescription medications through a broad national network of retail pharmacies and an easy-to-use mail-order service. With CVS Caremark, you can manage prescriptions online, compare medication costs, and explore options for home delivery—making it simple to stay on track with your health and wellness needs.

Plan Members call Member Support: 800.734.4196
Pharmacists call Pharmacy Help Desk: 800.364.6331

Mail delivery of prescriptions
- Ideal for recurring prescriptions such as blood pressure or asthma
- A 90-day supply is typically less expensive than a 30-day supply
- No cost for shipping

Click here for details in English

Click here for details in Spanish

Dependent Verification

Dependent Verification Requirement

To ensure our health plans remain compliant and available to everyone, East West requires employees who are electing to cover dependents in Medical, Dental, and/or Vision plans to provide documentation confirming their dependents' eligibility. Verification ensures compliance under ERISA and plan documents, allowing us to continue offering plans that are tax-advantaged.

Per our plan documents, only the following types of dependents are eligible for coverage: Legal spouses, including common-law spouses in states that legally recognize common-law marriage; biological children, adopted children, stepchildren, an individuals for whom the employee or the employee's legal spouse ha legal guardianship up to age 26; and disabled children of any age.

Note: Domestic Partners, fiancés, and other individuals not meeting the above definitions are not eligible for coverage under our plan.

Common Documents

Spouse

One of the following:

Marriage certificate,
Most recent tax return, Federal or State. Financial information and first 5-digits of Social Security Numbers can be blacked out. Form must show "married filing jointly" or "married filing separately" with spouse's name indicated.
Common-Law Marriage, legal affidavit of marriage (in states that recognize common-law marriage).

Child(ren)

One of the following:

Biological Child(ren): Birth certificate/hospital record showing child's parent(s).
Adopted Child(ren): Adoption certificate or decree, or placement letter from an adoption agency (if adoption is not finalized yet).
Stepchild(ren): Birth certificate showing spouse as parent AND marriage certificate to the biological parent (if not already provided).
Legal Guardianship: Court-issued guardianship papers granting full legal custody.

Step by Step Guide to Uploading

Updated Resources

Questions: Call Health Advocate 866.989.2942

Dental

East West offers two options for dental coverage: a base plan and a buy-up plan. The major differences are in the annual deductible, annual maximum per person, and Orthodontia coverage.

Base plan Buy Up plan Network Coverage Dependent Verification

Base plan

ANTHEM DENTAL BASE PLAN

You want this if:
You anticipate a basic level of dental care, such as check-ups, cleanings, and some common treatments. It’s a good option to cover the routine care while also offering some payment towards unexpected dental costs.

Deductible (individual/family) $100 / $300
Per person annual benefit maximum $1500
100% coverage on diagnostic and preventative
80% coverage on basic services after deductible
50% coverage on major services after the deductible
NO Orthodontia coverage

Click here for Summary

Buy Up plan

ANTHEM DENTAL BUY UP PLAN

You want this if:
You anticipate a higher level of dental care beyond the basics. In addition to what the Base Plan offers, you receive a higher annual maximum and percentage covered on services. It also provides Orthodontia coverage.

Deductible (individual/family) $50 / $150
Per person annual benefit maximum $2500
100% coverage on diagnostic and preventative
90% coverage on basic services after deductible
60% coverage on major services after deductible
50% on Orthodontia ($2,000 lifetime max per person)

Click here for Summary

Network Coverage

In-Network vs Out-of-Network

The plan you elect will carry the same level of coverage for both in-network and out-of-network care, but there are some key differences to consider when planning a visit.

In-Network providers have contracted rates with Anthem, typically resulting in lower out-of-pocket costs, no charges at billing beyond agreed fees, and simplified claims handling with the provider submitting to the insurance company.

Out-of-Network providers will typically require you to pay the full cost upfront and then submit a claim for reimbursement (sometimes submitted by the provider, sometimes submitted by the patient). Additionally, out-of-network providers may charge more than what the insurance company will cover. This Maximum Reimbursable Charge is based on an equation that takes into account provider submitted amounts in the same geographic area. Simply put, the provider can charge more than what the plan will cover, leaving the responsibility of the difference on the patient.

Dental Trends have been shifting since 2020 where we are seeing more and more providers moving out of network with some deciding not to take insurance at all. This can make finding an in-network provider challenging and appointment availability limited with longer wait time, especially in some of the more rural areas East West operates. We encourage you to contact Health Advocate for assistance locating in-network providers who are currently accepting new patients.

Find In-Network Anthem Providers

Dependent Verification

Dependent Verification Requirement

Note: Domestic Partners, fiancés, and other individuals not meeting the above definitions are not eligible for coverage under our plan.

Common Documents

Spouse

One of the following:

Marriage certificate,
Most recent tax return, Federal or State. Financial information and first 5-digits of Social Security Numbers can be blacked out. Form must show "married filing jointly" or "married filing separately" with spouse's name indicated.
Common-Law Marriage, legal affidavit of marriage (in states that recognize common-law marriage).

Child(ren)

One of the following:

Biological Child(ren): Birth certificate/hospital record showing child's parent(s).
Adopted Child(ren): Adoption certificate or decree, or placement letter from an adoption agency (if adoption is not finalized yet).
Stepchild(ren): Birth certificate showing spouse as parent AND marriage certificate to the biological parent (if not already provided).
Legal Guardianship: Court-issued guardianship papers granting full legal custody.

Step by Step Guide to Uploading

Updated Resources

Questions: Call Health Advocate 866.989.2942

Vision

East West offers two vision plans through Anthem Vision. Both the Base and Buy-up Plans provide in-network and out-of-network coverage. You pay less out-of-pocket when you see an in-network provider.

Base plan Buy Up plan Eye Pieces benefits Dependent Verification

Base plan

ANTHEM VISION BASE PLAN

You want this if:
You want essential eye care, such as routine exams and discounts on glasses or contacts. It’s a simple option for those looking to support maintaining healthy vision and managing everyday eye care costs.

$10 in-network exam copay
$20 in-network material copay
$130 in-network allowance on frames and elective contacts
Lenses 100% after copay
12-month frequency period for exam, lenses, and contacts
24-month frequency period for frames

Click here for Summary

Buy Up plan

ANTHEM VISION BUY UP PLAN

You want this if:
You anticipate a higher cost or frequency of materials.

- $10 in-network exam copay
- $10 in-network material copay
- $225 in-network allowance on frames and elective contacts
- Lenses 100% after copay
- 12-month frequency period for exam, lenses, and contacts
- 12-month frequency period for frames

Click here for Summary

Eye Pieces benefits

Dependent Verification

Dependent Verification Requirement

Note: Domestic Partners, fiancés, and other individuals not meeting the above definitions are not eligible for coverage under our plan.

Common Documents

Spouse

One of the following:

Marriage certificate,
Most recent tax return, Federal or State. Financial information and first 5-digits of Social Security Numbers can be blacked out. Form must show "married filing jointly" or "married filing separately" with spouse's name indicated.
Common-Law Marriage, legal affidavit of marriage (in states that recognize common-law marriage).

Child(ren)

One of the following:

Biological Child(ren): Birth certificate/hospital record showing child's parent(s).
Adopted Child(ren): Adoption certificate or decree, or placement letter from an adoption agency (if adoption is not finalized yet).
Stepchild(ren): Birth certificate showing spouse as parent AND marriage certificate to the biological parent (if not already provided).
Legal Guardianship: Court-issued guardianship papers granting full legal custody.

Step by Step Guide to Uploading

Quick Links

Questions: Call Health Advocate 866.989.2942

Mental Health

We believe mental health is essential in overall well-being, and everyone deserves access to support, understanding, and care. Our goal is to foster an environment where it's okay to seek help and prioritize your mental health.

Talk Now AllOne Health (EAP) Anthem (EAP) Voya (EAP) Empathy Additional Resources

Talk Now

988 Suicide & Crisis Lifeline

Call or Text 988 to connect with trained counselors anytime, day or night, for support related to mental health, substance abuse, or emotional distress. The 24/7 Lifeline provides free and confidential support and is available in multiple languages. Call or Text 988 or visit their website at 988lifeline.org.

988lifeline.org

AllOne Health (EAP)

AllOne Health

All East West employees and their qualified dependents can access this benefit at no cost. Whether you’re full-time, part-time, on-call, or seasonal, you’re eligible—no enrollment in other benefit plans required.

For urgent clinical needs, you can be connected to a live clinician for in-the-moment counseling support: 800-451-1834.

Employee Assistance Program (EAP):
Life can be challenging—but you don’t have to navigate it alone. Our Employee Assistance Program provides free, confidential support for you and your family, helping you manage stress, improve wellbeing, and handle life’s everyday challenges.

Mental Health Support: Manage stress, anxiety, depression, improve relationships, and other personal concerns. Choose from in-person, video, or telephonic counseling. 6 sessions per event per year are available at no cost for yourself and qualified dependents.
Life Coaching: Guidance to help you reach personal and professional goals and manage life transitions.
Financial Consultation: Support with budgeting, debt, taxes, home buying, identity theft prevention, and retirement or tuition planning.
Legal Referrals: Access to referrals for legal matters such as wills, estate planning, real estate, divorce, custody, and more.
Work-Life Resources and Referrals: Referrals and information for childcare, eldercare, adoption, education, housing, transportation, and pet care.
Member Portal and the AllOne Health App: 24/7 access to cirutal counseling, self-help tools, and AI guidance from Izzy, your AI navigator.

You don’t have to wait until things feel overwhelming. Whether you're experiencing grief, stress, substance concerns, or just feeling off, support is here when you need it.

Click here for details

Anthem (EAP)

Anthem's Employee Assistance Program

Available to all employees and dependents who are enrolled in an East West medical plan through Anthem.

Personalized services for your mental, emotional, financial, and social health - at work and at home.

Available 24/7 at no cost, get private and confidential help for your:

Emotional well-being
Legal/Financial questions
Work-life balance
Personal development

Contact Anthem at 1-844-451-1578, or at Anthem.com. You can also connect through the Sydney Health app.

Resources and Programs

24/7 Drug and Alcohol Support

Emotional Well Being Resources

Live Health Online Behavioral Health

Mental Health Matters Podcasts

Voya (EAP)

ComPsych GuidanceResources®

All Full-Time Year-Round employees of East West and their qualified dependents can access this benefit through Basic Life Insurance coverage with Voya.

If you have questions or need immediate assistance, please call 877-533-2363.

ComPsych GuidanceResources® is a free, confidential Employee Assistance Program (EAP) available through Voya that supports employees and their families through life’s challenges. Available 24/7, the program offers access to short-term counseling, legal and financial consultations, and work-life resources such as childcare and eldercare referrals—all at no additional cost.

In addition to counseling and expert support you can also access a wide range of online resources available anytime. The platform includes articles, videos, and self-guided tools on topics like stress, relationships, finances, and overall well-being. You can also access interactive assessments, expert advice, and practical resources to support everyday needs—from mental health to legal and financial planning.

Click the link below and use Web ID: My5848i

ComPsych GuidanceResources®

Empathy

Empathy: Loss Support and Pre-Planning

Available at no cost to all employees who are considered Full-Time Year-Round as part of the Basic Life and ADD benefit through Voya.

Empathy

Bereavement Support including Funeral Support and Estate Planning Services. Empathy helps families prepare for the future and navigate the emotional and practical challenges associated with loss. This bereavement support is also fully accessible to your loved ones, and various family members can share and join your account.

Starting 4/1/2026, Empathy will be expanding its Loss Support platform to include specialized support for pregnancy and infant loss.

Access Empathy Loss Support here

LifeVault

Stay one step ahead with LifeVault’s Legacy Planning. From wills and estate planning to powers of attorney and advance directives, you’ll get the tools and guidance to create important documents and plan confidently for the future—so the people and things you care about are protected.

Access LifeVault here

Additional Resources

-Free Assessments and Screening Tools

Free mental health screenings can catch early signs of challenges and help you understand what you’re experiencing. They’re a simple starting point that can guide you toward the right support or care.

Mental Health America - A very comprehensive assessment that will provide a list of resources, FAQ, and next step.

mhanational.org

Man Therapy - A different and more casual approach that provides access to a plan builder, provider directory, and resources by category.

mantherapy.org

Mind-Diagnostics - Utilizes a brief, more surface-level questionnaire to provide a quick assessment along with FAQs.

mind-diagnostics.org

-Substance Abuse

Alcoholics Anonymous has been helping people recover from drinking problems for more than 80 years based on a foundation of one alcoholic sharing with another. If you feel like your drinking may be out of control, learn more at aa.org and find a meeting near you.

Alcoholics Anonymous

-LGBTQ+

The Trevor Project is the leading suicide prevention and crisis intervention nonprofit organization for LGBTQ+ young people and provide information and support to LGBTQ+ young people 24/7, all year round.

TheTrevorProject.org

Updated Resources

Questions: Call Health Advocate 866.989.2942

Enhancements

East West has partnered with Transcarent and Hinge Health. Trascarent provides members enrolled in the medical plans with access to high-quality surgeons for non-emergent covered surgical procedures with no out-of-pocket costs*. Hinge Health delivers personalized virtual physical therapy to all eligible participants.

Transcarent details Hinge Health details

Transcarent details

TRANSCARENT

You want this if:
You have a planned non-emergent surgery and want to pay $0 out of pocket*. Simply connect with a care team member at Transcarent, and they will walk you through the steps from discussing care options, selecting a surgeon at one of their top-quality centers of excellence, preparatory steps for surgery, including travel arrangements, through recovery.

Some surgical procedures offered include:

Cardiac
General
Orthopedic
Women’s Health
Spine
Vascular
Neurological

*IRS requires a minimum deductible is met when on an HSA-qualified plan. This means if you are on the PPO or HDHP plans, your surgery is covered 100%. If you are on the HSA Medical Plan, you must first meet the IRS minimum deductible and then it is covered 100%.

Click here for more details

Hinge Health details

HINGE HEALTH

You want this if:
Prevent and manage joint and muscle pain through virtual personalized exercise therapy and one-on-one health coaching to improve mobility, reduce discomfort, avoid unnecessary surgeries, and recover post-surgery. All at no cost to you.

Hinge Health Services include:

One-on-one virtual physical therapy sessions
Motion tracking technology to provide real-time feedback
On-demand exercises and stretches
Hinge Health Enso – a drug-free pain relief wearable unit that works through electrical nerve stimulation.

Click here for details in English

Click here for details in Spanish

Quick Links

Questions: Call Health Advocate 866.989.2942

Our Health Insurance Provider

I am looking for information on:

Medical

ANTHEM BLUE CLASSIC PPO

Updated Resources

Dental

ANTHEM DENTAL BASE PLAN

Updated Resources

Vision

ANTHEM VISION BASE PLAN

Quick Links

Mental Health

988 Suicide & Crisis Lifeline

Updated Resources

Enhancements

TRANSCARENT

Quick Links

BENEFITS