2025 FAQ Is the Parkview hospital in network? Yes, the Parkview hospital in Huntington is in-network. However, please keep in mind that Parkview providers will almost always be in Tier 2 for the Anthem HealthSync plans, so your deductible to meet for covered healthcare expenses before the Plan’s coinsurance kicks in will be higher than if you choose a Tier 1 provider. If you would like to search for Tier 1 providers to help manage your healthcare costs, you may start with the Anthem website’s provider search function. Tip: a great place to start is the new Lutheran facility that opened in Huntington in 2024. Their onsite providers are in Tier 1! Do copays count toward my deductible? The nat copay amounts you pay for primary care physician visits, prescription drugs, etc. will not help you reach your deductible, but they are factored into your annual out of pocket maximum. If I have a hospital stay with a Tier 1 provider, will my out of pocket expenses count to my Tier 2 deductible? The tiered system means there are diferent annual deductibles your family may be subject to during the year. Tier 1 providers ofer deeper discounts and will result in lower costs for both you and the insurer, so you will have a lower deductible that will need to be met for non-copay services such as inpatient hospital stays. Tier 2 providers are more expensive, so if you receive care from one you will be subject to a higher deductible for the year. If you incur expenses with a Tier 1 provider and later visit a Tier 2 provider, the out of pocket costs you paid in Tier 1 will be honored to the Tier 2 deductible; however, Tier 2 expenses will not be honored toward your Tier 1 deductible. What does it mean for a deductible to be embedded or non-embedded? Embedded and non-embedded deductibles apply when you have family members as dependents on your medical plan. With a non-embedded deductible, the family has one big deductible that collectively has to be met before the plan’s coinsurance begins. One family member could theoretically meet the whole family’s deductible on their own! With an embedded deductible, each family member has their own smaller share of the deductible. When that family member meets their own deductible, the Plan begins to pay coinsurance for their remaining expenses, even if other family members are still working on their own shares of the deductible. Are we still using Garner Health for HRA incentives? No. HCCSC is pivoting away from beneots such as HSAs and HRA incentives for the 2025 plan year and instead focusing on redesigning the medical plan to bring you orst-dollar coverage from the insurance carrier. Review your RelayTo beneot guide website to learn about the new medical plans available to you.