MMC Benefits Handbook
Networks
Anthem BCBS Blue Card PPO network is available nationally and provides both in-network and out-of-network coverage.
Is there a network of doctors and hospitals that I have to use?
Using the network is not mandatory, but generally, you will receive a higher reimbursement when using the network. If you use an in-network provider, you will be reimbursed 80% (70% under the $3,200 Deductible Plan). If you use an out-of-network provider, you will be reimbursed 60% (50% under the $3,200 Deductible Plan) of reasonable and customary charges for covered expenses after the Plan's deductible has been met.
In the event that you receive care from an out-of-network doctor (such as an anesthesiologist) while being treated at an in-network facility, benefits will be paid at the in-network level.
The network includes general practitioners, as well as specialists and hospitals. These network providers are selected by and contracted with the Claims Administrator.
Where can I get a directory that lists all the doctors and hospitals in the network?
The doctors and hospitals in the network are listed in a provider directory. The Claims Administrator provides an online directory of providers or you may call the Claims Administrator.
Network provider lists can change, so take the time to review the networks to determine which networks your health care providers participate in before choosing a third party administrator and network.
Important: In-network participating providers can change at any time; therefore, the network information you gather may not be accurate for all or part of the plan year. You will NOT be permitted to change your medical plan election during the plan year, even if any or all of your providers stop participating in any network at any point during the plan year.
Call Member Services at +1 855 570 1150 or visit www.anthem.com. On the Anthem website:
  • Select Find Care.
  • Click on Select a plan for basic search.
  • Under "Use Member ID for Basic Search, search your medical plan without logging in," enter the Marsh McLennan prefix MMQ
  • Click Continue.
  • Enter search location (City, County or Zip code) and then search by doctor (name or specialty), hospital, procedure, and more.
Is there a network of providers for mental health treatment?
There is a network of mental health providers. Providers in the network are listed in a provider directory. The Claims Administrator provides an online directory available at www.anthem.com. You may also call the Claims Administrator.
Network provider lists can change, so take the time to review the networks to determine which networks your health care providers participate in before choosing a third party administrator and network.
Important: In-network participating providers can change at any time; therefore, the network information you gather may not be accurate for all or part of the plan year. You will NOT be permitted to change your medical plan election during the plan year, even if any or all of your providers stop participating in any network at any point during the plan year.
Is there a network of pharmacies?
There is a pharmacy network associated with this Plan with CVS Caremark®. You may use a pharmacy in the network as well as out-of-network to receive coverage under this Plan.
Note that when you go to a pharmacy that's out-of-network, you need to submit a claim form for reimbursement. Refer to "How do I file a prescription drug claim form?" for more information.
The Prescription Drug Benefits Manager provides an online directory of network pharmacies available at www.caremark.com.
To locate an in-network retail pharmacy:
Or call CVS Caremark® at +1 844 449 0362 for more information.