Medical
Our medical plans help you stay healthy with preventive care and provide coverage when you’re sick. To learn more about your benefit plans, refer to the Summary of Benefits and Coverage (SBC) available on BenefitsWeb in the Library.
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Classic PPO Plan
($1,500/$4,500 deductible)
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Consumer Choice Plan
($2,000/$4,000 deductible)
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Limited Coverage Plan (LCP)
(If base salary is $75,000 or less)
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New for 2025: Consumer Choice Plan
($4,000/$8,000 deductible)
What’s Ahead for 2025
Consumer Choice Plans
We’ll offer two Consumer Choice Plans through Anthem for 2025: the 2000/4000 Deductible Plan, which is currently offered, and the 4000/8000 Deductible Plan, a new plan with Anthem only. Compared to the 2000/4000 Deductible Plan, the 4000/8000 Deductible Plan has:
Lower monthly premium costs
Higher annual deductible
More HSA dollars from Conduent ($750 per year for associate-only coverage or $1,500 per year for any level of family coverage)
The same coinsurance structure (you pay 20% after deductible)
The same network of providers and facilities
The same coverage for medical services and prescriptions
One Kaiser Permanente Consumer Choice plan will be available: the current 2000/4000 Deductible Plan.
See your 2025 Benefits Guide for more details.
Plan Design Changes
There will be no plan design changes to the 2000/4000 Consumer Choice Plan, Classic PPO Plan or Limited Coverage Plan for 2025.
Kaiser Permanente Plans
For 2025, the Classic PPO and Consumer Choice 2000/4000 Plan through Kaiser Permanente will only be available if you live in northern or southern California or Georgia.
If you live in another location and currently have a Kaiser Permanente plan, you will be automatically defaulted to the same medical plan administered by Anthem. If you want to make a change, you will need to take action during Annual Enrollment.
Classic PPO Plan and Consumer Choice Plans
How are the plans alike?
The Classic PPO Plan and Consumer Choice Plans:
Cover the same services, such as doctor’s office visits, hospitalization, emergency room care, and prescription drugs.
Use the same network of providers and facilities.
Pay 100% for in-network preventive care, such as routine physicals, well-woman exams, well-baby exams, blood pressure checks, cholesterol tests, and cancer screenings.
Let you see any doctor but offer savings when you use Anthem in-network doctors.
Have an out-of-pocket maximum. If you reach your out-of-pocket maximum, your plan pays 100% of covered medical and pharmacy expenses for the rest of the plan year.
How are the plans different?
Classic PPO Plan
You pay copays for some services, such as doctor’s office visits and prescriptions. For other services like hospitalization, you must meet the deductible. Then, you and the plan share costs (coinsurance).
No company-funded Health Savings Account (HSA).
Consider if: You’re willing to have higher paycheck contributions in exchange for more predictable costs.
Consumer Choice Plans
No copays with these plans. You pay the negotiated rate for care (except for certain
in-network preventive care) and prescriptions until you meet the deductible. After you meet the deductible, you and the plan share costs (coinsurance).Company-funded HSA to help you pay for care. You can add money of your own, too.
Consider if: You want lower paycheck contributions and the tax advantages of an HSA.
How do the Consumer Choice Plans compare?
Deductibles: The 2000/4000 Deductible Plan has lower deductibles than the 4000/8000 Deductible Plan.
The deductible is the amount you pay before the plan starts to pay benefits.
Paycheck costs: The 4000/8000 Deductible Plan has monthly premium costs compared to the 2000/4000 Deductible Plan.
Conduent HSA contributions:
For the 2000/4000 Deductible Plan, Conduent contributes $500 per year for associate-only coverage or $1,000 per year for family coverage.
For the 4000/8000 Deductible Plan, Conduent contributes $750 per year for associate-only coverage or $1,500 per year for family coverage.
Out-of-pocket maximums: The out-of-pocket maximums are the same for both plans.
The out-of-pocket maximum is the most you have to pay in a plan year before the plan pays 100% for eligible services.
Coinsurance: For both plans, you pay 20% after you meet the deductible (except for certain in-network preventive care).
Providers and facilities: Both Consumer Choice Plans use the same network of providers and facilities.
Medical services and prescriptions: Both Consumer Choice Plans have the same coverage for medical services and prescriptions.
Note: You may be able to choose Kaiser Permanente as your network if you enroll in the Classic PPO or the Consumer Choice 2000/4000 Deductible Plan. Kaiser Permanente is an option in northern and southern California and Georgia.
Learn More
Contact Anthem at 1.844.233.5975 or anthem.com. You can also download the Sydney app from the App Store or Google Play.
Limited Coverage Plan
The Limited Coverage Plan (LCP) is available only to associates whose base salary is $75,000 or less per year.
The LCP provides you and your family with an affordable medical plan option that includes certain preventive, wellness-related, and routine health care and prescription drugs.
The LCP does not include hospital stays, surgeries, maternity care, and other services.
This plan has annual per-person visit limits.
Consider if: You don’t anticipate a lot of medical care and want the lowest-cost option.
Learn More
Contact Anthem at 1.833.485.1232 or visit anthem.com. You can also download the Sydney app from the App Store or Google Play.
Take Charge of Your Health
Conduent offers health programs to help you get your health on track. Learn how to manage your diabetes and/or take control of your blood pressure.
These programs are available at no cost to you and your spouse/domestic partner if you’re enrolled in the Anthem Classic PPO or a Consumer Choice Plan.
More Health Help
Additional programs are included with your Anthem coverage, depending on which medical plan you select.
Note: If you enroll in medical coverage through Kaiser Permanente, Humana, HMSA, or the Limited Coverage Plan, please contact your carrier for information about the medical plan resources available to you.
For Anthem Plans
Live Health Online
Chat with a board-certified doctor 24/7 by mobile app, online video, or phone. Visit livehealthonline.com to register.
Health Advocate
Health Advocate offers personalized support to ensure you and your family get the right care, at the right time. Learn more.
For the Anthem Classic PPO Plan or Consumer Choice Plans
Maternity management
Get guidance from an experienced maternity nurse who can offer advice and answer your questions.
Disease management
Get help managing health conditions, such as asthma, cancer, depression, diabetes, heart disease, high blood pressure, and stroke.
For the Anthem Classic PPO Plan
Hinge Health
Pulled a muscle during pickleball? Dealing with back pain that just isn’t getting better? Recovering from a recent surgery? Hinge Health can help you feel better faster.
Hinge Health is a virtual exercise program to help you with back, joint, or muscle pain. But it’s more than just exercise therapy. You’ll also get 1-on-1 support to reduce your pain and help you move with confidence, all from the comfort of home. Best of all, it’s free — 100% covered by Conduent for you and your dependents age 18 and older enrolled in the Classic PPO plan with Anthem.
To get started, fill out a questionnaire (it takes about 10 minutes). Hinge Health will use your information to create your account and make sure the Hinge Health program is a good fit for you.
Medical Plans at a Glance
Here’s a look at what you’ll pay when you need care.
Classic PPO and Consumer Choice Plans
Limited Coverage Plan
Kaiser Permanente
You may be able to choose Kaiser Permanente as your network if you enroll in the Classic PPO Plan or the Consumer Choice 2000/4000 Deductible Plan. Kaiser Permanente is an option in northern and southern California and Georgia.
The plan design is similar to the Anthem plans (e.g., deductibles, out-of-pocket maximums, copays, and coinsurance). However, certain services (such as private duty nursing, physical therapy, massage therapy, or acupuncture) may be covered differently or not at all. There may also be variations from state to state.
Generally, there are no out-of-network benefits, which means you must use providers and facilities in the Kaiser Permanente network. However, emergency services are covered by any provider.
When you enroll, you may be required to select a primary care physician (PCP) who must coordinate all your care.
California residents: According to California state law, an individual member of a family who meets a deductible of $3,300 will pay coinsurance for subsequent services he or she receives, even if the family deductible has not been met. Services received by other members of the family will not be eligible for coinsurance rates until the family deductible is satisfied.
Visit select.kp.org/conduent for more details.
If You Live in Hawaii
If you live in Hawaii, you can enroll in the HMSA.
With this option, you have the flexibility to see any health care provider. However, you save money when you use providers who are part of the plan’s network. Prescription drug coverage is provided by the PPO Plan through HMSA. For office visits and prescription drugs, you pay a copayment. For other services, you share a percentage of the cost, called coinsurance.
For more details, review the Summary of Benefits and Coverage (SBCs), available on BenefitsWeb.
If you have questions, contact HMSA.
Website: hmsa.com
Oahu: 1.808.948.6111
Neighbor Islands: 1.800.776.4672
If You Live in Puerto Rico
If you live in Puerto Rico, you can enroll in the Triple-S PPO. You can see any health care provider, but you’ll save money when you use providers who are part of the plan’s network. You don’t need referrals to see specialists.
For most services (such as office visits and prescription drugs), you pay a copayment. Some services are covered at 100%, such as labs, X-rays, and hospitalization. For a few services (such as home health care and durable medical equipment), you share a percentage of the cost, called coinsurance.
For more details, review the Summary of Benefits and Coverage (SBCs), available on BenefitsWeb.
If you have questions, contact Triple-S at 1.800.981.3241 or ssspr.com.
Telemedicine
Get anytime/anywhere care with telemedicine benefits through your medical plan. Whether you’re at home, at work, or traveling, it’s a convenient way to get the care you need.