2026 FAQ My doctor is in the Parkview hospital system. Do I have to find a new one? Most doctors in the Parkview system are in your Anthem HealthSync network as Tier 2 providers. Remember that both Anthem PPO Plan #1 and PPO Plan #2 offer two tiers of coverage depending on which types of healthcare providers (doctors, hospital systems, etc.) you use. Since Anthem has negotiated the best discounts with their high-performing Tier 1 providers, you will have a lower deductible than if you use a Tier 2 provider. Please reference the 2026 plan summaries and the medical plan design page of your 2026 benefit guide to see how your deductible will be higher with Tier 2 providers than with Tier 1. In summary: most Parkview doctors are in your Anthem network, but you may have a higher deductible to meet for your healthcare services before the Plan’s coinsurance begins to cover the majority of your remaining covered expenses (known as coinsurance). 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 flat 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 different annual deductibles your family may be subject to during the year. Tier 1 providers offer 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.