Protect and improve your own and your family’s health and wellness with our four Medical Plans

Click here for a printable summary overview of your LSS Medical & Pharmacy benefits in 2025.

LSS offers four medical plan options:

• Bronze Level PPO Plan

• Silver Level PPO Plan

• Gold Level PPO Plan

• Consumer Driven Health Plan with a Health Savings Account (HSA) - For info on the HSA, visit here

Three of these plans are “more traditional” PPO (Preferred Provider Organization) plans, and one is a Consumer Driven Health Plan (sometimes referred to as a “high deductible plan”.  The Consumer Driven Health Plan is associated with a Health Savings Account (HSA), and is designed to encourage members to spend their healthcare dollars as if they are their own. Not every one of these plans is right for everyone. Each plan has its advantages and disadvantages as well as different financial costs, and employees should consider their own circumstances (including their families) when choosing the plan that’s best for them.  To help employees decide which plan is best for them, we’ve put together this resource that shows you the total out-of-pocket costs one would pay in a year based upon the level and frequency of how much healthcare services you and your family may wind up needing.  To review this helpful “Sample Medical Plan Scenarios” resource, please click here for 2024 plans and click here for 2025 plans.

All four plans provide coverage for the same medical and prescription drug services, but different plans offer different provider networks. To check and see whether a doctor or healthcare facility is covered as an in-network provider, please login to your Anthem.com account or use the Sydney App and go under the Care tab to view the Care & Cost Finder.

How much you pay out of pocket in copays, deductibles, coinsurance, and in premium contributions will be different for each plan.

Spousal Surcharge: If you cover a spouse as a dependent that is eligible to be covered under their own employer-provided health benefits, an additional premium of $75 per month will be charged. (Anyone enrolled in an LSS Medical plan and covering a spouse as a dependent must either make their Spousal Surcharge attestation inside Workday or complete this legal affidavit indicating whether or not their spouse is eligible for medical insurance through their own employer.)

Additional information and resources:

2024 Sample Medical Plan Usage Scenarios

2025 Sample Medical Plan Usage Scenarios

Provider Networks and Nationwide/International Coverage

Finding Care on the Sydney App

Emergency Rooms & Urgent Care

Fighting Cancer Starts with Prevention

Anthem Health Management Programs

Tools and Resources for Patients (Comparing Costs and Quality of Care)

Click here to learn more about Omada benefits for MSK, hypertension and Diabetes programs

LiveHealth Online (LHO)

Any LSS employee, whether enrolled in a health plan or not, may consult a physician via the internet from the comfort of their homes using a computer or smartphone. 

The LiveHealth Online is available for iOS (Apple) and Android devices. To download the LHFO app on your device, visit the App Store (Apple) or Google Play (Android) and search for “LiveHealth Online”.

For more info on all types of virtual care options, click here: Telemedicine / Virtual MD Visits.