Big benefits for small businesses statewide

Integrated medical and pharmacy coverage across your choice of high-quality care networks at predictable monthly costs

When your small business becomes a member of a participating chamber like One Southern Indiana Chamber of Commerce (1si), you unlock access to valuable networking, advocacy, and professional development opportunities across Indiana.¹ Building on our shared commitment to small businesses, 1si and Anthem offer Advantage 1 Health — high-quality health benefits with stop loss protection at fixed monthly costs.²

Consider Advantage 1 Health — a self-funded, multiple employer welfare arrangement (MEWA) that enables small employers to share risk and purchasing power to deliver a variety of health plans at fixed monthly costs exclusively to 1si business members with 2 – 50 employees .

Advantage 1 Health offers:

Why Advantage 1 Health may be a great choice for your small business

With Advantage 1 Health, you can choose from a wide range of flexible plan designs that may cost less than Affordable Care Act (ACA) plans or other plans in the market. By bringing together small businesses in Indiana, Advantage 1 Health enables access to the kind of benefits usually reserved for larger businesses, including:

Built-in stop loss protection to hedge against high-cost claims.²
Uniform member rates within your group that are determined once — at the time of quoting — and are good through the life of your contract.
Fewer state and federal requirements, since Advantage 1 Health plans are considered Large Group benefits.
Additional savings on medical premiums from bundling dental and vision benefits.

Visit anthem.com/insmallgroupguide to view your Small Group Product Guide.

If you currently have a group health plan, you may be able to switch to Advantage 1 Health anytime and save money right away.³No matter when you sign up, enrolling in Advantage 1 Health offers your business the choice of flexible plan types with a range of attractive deductibles and out-of-pocket maximums from the following network options:

Compare our care networks

Enrolling in Advantage 1 Health offers your business the choice of flexible plan types with a range of attractive deductibles and out-of-pocket maximums from the following care network options:

Feature	Blue Access PPO	HealthSync POS	HealthSync HMO
Cost	$$$	$$	$
Primary care provider (PCP)	Optional	Required	Required
Referral	Optional
Pharmacy network	Rx Choice
Formulary	Essential Rx
Out of network	Covered	Covered at higher costs	Emergencies only

Seamless pharmacy benefits integration

Take the next step

Unlock more information

We’re here to help you learn how our Advantage 1 Health plans can reduce your healthcare costs without compromising quality care. Download our brochure here.

Let’s connect

Want to find out if Advantage 1 Health is a fit for your business needs? Take a few moments to tell us a little about you.

1 Go to 1si.org/advantageone-health for a list of participating chambers.

2 Financial protections are limited to the terms outlined in the group's Advantage 1 Health contract.

3 Includes bariatric surgery, cancer care, cardiac care, fertility care, gene therapy, knee and hip replacement, maternity care, spine surgery, substance use treatment and recovery, chimeric antigen receptor (CAR) T-cell therapy, and transplants.

4 Rewards eligibility applies only to subscribers and their enrolled spouse/domestic partner (if applicable) with Anthem medical benefits unless employer chooses subscriber-only rewards. Eligible members must be active on the plan and their activity must take place during the plan year. A subscriber and eligible spouse/domestic partner may earn rewards when eligible activities are completed and, in some instances, are verified by an Anthem claim. Rewards may be a taxable form of income. Rewards may be delivered by check or an alternative form of payment.

5 Rewards are available for select procedures only.

6 Digital Health Awards®, 2024 Digital Health Gold Award: healthawards.com.

7 Some commonly used prescription drugs are available at no cost to a member. Contact your Anthem representative for more information.

8 Employees must enroll in the program, and cost share could vary depending on member enrollment. Employees who do not wish to participate in this program can opt out and will be responsible for the full amount of the cost share for their specialty drug. Employees who have a high-deductible health plan with a health savings account are required to meet their deductible before they can receive a $0 copay. Certain cost relief drugs are not classified as “essential” under the program and in accordance with the Affordable Care Act for these cost-relief drugs. Claims for these cost-relief drugs would not be subject to a member’s out-of-pocket limit. Client should consult legal advisor in considering this benefit feature.

EAP products are offered by Anthem Insurance Companies, Inc.

The SmartShopper program is offered by MDX Medical, LLC, a Zelis company. Reward-eligible options and reward amounts are subject to change. Rewards are available for select procedures only. Rewards may be a taxable form of income. MDX Medical, LLC, a Zelis company, does not provide tax advice. Rewards may be delivered by check or an alternative form of payment. Members with primary coverage under Medicaid or Medicare are not eligible to receive incentive rewards under the SmartShopper program.

In addition to using a telehealth service, members can receive in-person or virtual care from their own doctor or another care provider in their plan’s network. If they receive care from a doctor or care provider not in their plan’s network, their share of the costs may be higher. They also may receive a bill for any charges not covered by their health plan.

Sydney Health is offered through an arrangement with Carelon Digital Platforms, a separate company offering mobile application services on behalf of your health plan.

CarelonRx, Inc. is an independent company providing pharmacy benefit management services on behalf of your health plan.

Anthem Blue Cross and Blue Shield is the trade name of Anthem Insurance Companies, Inc. Independent licensee of the
Blue Cross and Blue Shield Association. Anthem is a registered trademark of Anthem Insurance Companies, Inc.

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