Medical Plan Comparison

Compare your options.

Choosing the right medical plan starts with understanding your options. This chart gives you a side-by-side look at all three plans so you can compare coverage, costs, and key features at glance.

Your Medical Plan Options

	Anthem High Deductible PPO		Kaiser CA HMO	Anthem HMO
	In Network	Out of Network*	Kaiser provides only in-network coverage. No out-of-network coverage.	Anthem HMO provides only in-network coverage. No out-of-network coverage.
Preventive Care	100% covered, no deductible	60% covered after deductible	100% covered	100% covered
Deductible	$3,400 per person $6,800 per family	$3,400 per person $6,800 per family	No deductible	No deductible
Out-of-Pocket Maximum	$4,500 per person $9,000 per family	$9,000 per person $18,000 per family	$1,500 per person $3,000 per family	$1,500 per person $3,000 per family
Primary Care Physician	80% covered after deductible	60% covered after deductible	$25 copay per visit	$25 or $45 copay per visit
Specialist	80% covered after deductible	60% covered after deductible	$35 copay per visit	$25 or $45 copay per visit
Telehealth	$0 through LiveHealth Online***	60% covered after deductible	$0 copay	$0 through LiveHealth Online***
Emergency Room	80% of eligible charges covered after deductible		$250 copay (waived if admitted)**	$250 copay (waived if admitted)**
Urgent Care	80% covered after deductible	60% covered after deductible	$25 copay per visit***	$25 or $45 copay per visit***
Hospital Stay	80% covered after deductible	60% covered after deductible	$250 copay per admission, then 100% covered	$250 copay per admission, then 100% covered
Eligible Health Care Spending Accounts	Health Savings Account (HSA) or Health Flexible Spending Account (HFSA)		Health Flexible Spending Account (HFSA)	Health Flexible Spending Account (HFSA)

* Out-of-network providers may bill members for the difference between the provider’s full charges and the amount paid by the plan.

Glossary of Terms
Health Savings Account
Flexible Spending Accounts

Monthly Employee Premiums*

	Employee Only	Employee + Child(ren)	Employee + Spouse	Employee + Family
Anthem High Deductible PPO	$74	$155	$177	$278
Kaiser CA HMO	$170	$359	$414	$643
Anthem HMO	$212	$450	$520	$807

*Please note: Premium cost sharing for Caltech for medical, dental, and vision plans is limited to individuals either receiving a monthly compensation of $1,000 paid by Caltech or having designated external funding as a Caltech allowance for this purpose. This usually applies to postdoctoral scholars and visiting associates.

Medical Plan Provider: Anthem
Anthem is one of Caltech’s medical plan providers. Set up an account to view ID cards, track claims, check coverage, find in-network doctors, manage prescriptions, and utilize telehealth services.

Website: anthem.com/ca/Caltech

Download the mobile app:

Phone: (866) 820-0765 (M-F, 8 a.m.-12 a.m. PT)

Medical Plan Provider: Kaiser
Kaiser is one of Caltech’s medical plan providers. Set up an account to view ID cards, track claims, check coverage, find in-network doctors, manage prescriptions, and utilize telehealth services.

Website: choose.kaiserpermanente.org/caltech

Download the mobile app:

Phone: (800) 464-4000 (M-F, 8 a.m.- 6 p.m. PT)