Open Enrollment is almost here: November 2-13, 2026. This year is an active enrollment, which means you must enroll to have benefits coverage in 2027. Visit Open Enrollment to review important information, download your digital 2027 Benefits Guide and newsletter, and if you prefer to watch, check out our new Open Enrollment Video (English/Spanish). Share these resources with your family as you consider your coverage options together. No login is required to access them.

Medical & Prescription Drug

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We offer you three medical plan options. Each plan has a different premium (monthly contributions that come out of your paycheck) and out-of-pocket costs (what you pay when you receive care throughout the year).

Here are key things to know about your medical plan options:

They are administered by Anthem Blue Cross Blue Shield (BCBS).

Preventive care is free when you receive services in-network.

All three plans have a deductible.

Our two HDHP options come with a Health Savings Account (HSA).

Read on to learn about your options and determine what is best for you and your family. View eligibility guidelines here.

Use Anthem’s Care & Cost Finder to search in-network providers, see quality ratings, and get personalized cost estimates. Please note: Disputanta, Trombetta, and Edwardsville/Shawnee employees and their dependents use Anthem’s Select Networks for care. New York employees will use the New York Select Network beginning in 2027. Outside of the Select Network footprints, you will still have access to the national BlueCard PPO network.

Get Care Anytime, Anywhere

With Anthem’s Sydney Health app, you can see doctors from anywhere.

Need urgent care? Choose LiveHealth Online for 24/7 visits without an appointment.
Need ongoing care? Choose Virtual Primary Care for regular check-ups and ongoing health needs.
Need care while traveling? Review Know Where To Go.

Important Reminder

Open Enrollment is an active enrollment this year. You must enroll in or waive coverage between November 2-13, 2026. Your 2026 benefits will not carry over. View enrollment details.

Smart Ways to Save on Health Care

  • Avoid a premium increase through the SMP Wellness Program. (New hires on/after July 15 are exempt for the following year)
  • Save on prescriptions: Fill maintenance medications as a 90-day supply through CarelonRx Mail Order or participating pharmacies such as Walmart or CVS. Learn more. (Mail order is required for ongoing prescriptions)
  • Triple-tax savings: Pay for out-of-pocket health expenses with pre-tax dollars with a Health Savings Account (HSA) or Flexible Spending Account (FSA). Find eligibility details here.

Features

PPO Plan

HDHP Base Plan

HDHP Value Plan

In-Network Benefits

Deductible
(individual/family)1

$1,300 / $2,400

$2,200 / $4,200

$4,000 / $8,000

Coinsurance after deductible

You pay 10%

You pay 10%

You pay 20%

Out-of-pocket max
(individual/family)2

$2,400 / $4,600

$3,950 / $7,700

$6,350 / $12,700

Preventive care

You pay $0

You pay $0

You pay $0

Office visit
(primary/specialist)

You pay $25 / $40

2026: You pay 10%, after deductible

2027: You pay 15%, after deductible

You pay 20%, after deductible

Virtual Visits – General Health

You pay 10%, after deductible

You pay $50, after deductible

You pay $50, after deductible

Virtual Visits – Dermatology

You pay $40

You pay $40, after deductible

You pay $40, after deductible

Virtual Visits – Mental Health
(psychiatrist)

You pay 10%, after deductible

You pay $200 first, $100 ongoing

You pay $200 first, $100 ongoing

Virtual Visits – Mental Health
(psychologist or therapist)

You pay $0

You pay $90, after deductible

You pay $90, after deductible

Urgent care

You pay 10%, after deductible

2026: You pay 10%, after deductible

2027: You pay 15%, after deductible

You pay 20%, after deductible

Emergency room

You pay a $250 copay

2026: You pay 10%, after deductible

2027: You pay 15%, after deductible

You pay 20%, after deductible

Inpatient hospital care3

You pay 10%, after deductible

2026: You pay 10%, after deductible

2027: You pay 15%, after deductible

You pay 20%, after deductible

Outpatient hospital care3

You pay 10%, after deductible

2026: You pay 10%, after deductible

2027: You pay 15%, after deductible

You pay 20%, after deductible

Labs, X-rays, and imaging4

You pay 10%, after deductible

2026: You pay 10%, after deductible

2027: You pay 15%, after deductible

You pay 20%, after deductible

Prescription Drug Coverage5

Retail pharmacy (30-day)

All non-preventive prescriptions are subject to deductible and coinsurance. There are several preventive drugs available for free under the following categories: Birth Control, Diabetes, Heart Health, High Blood Pressure, High Cholesterol, and Smoking Cessation. A complete list of covered drugs can be found here.

Generic
(Tier 1)

$5 copay

Preferred Brand
(Tier 2)

$30 copay

Non-Preferred Brand
(Tier 3)

$60 copay

Specialty Medication
(Tier 4)

$75 copay

Mail order (90-day)

Generic
(Tier 1)

$7.50 copay

Preferred Brand
(Tier 2)

$45 copay

Non-Preferred Brand
(Tier 3)

$90 copay

Specialty Medication
(Tier 4)

$112.50 copay

1 Under the HDHP Value Plan, the family deductible is combined. If you cover dependents, all claims count toward the total deductible, which must be met before coinsurance begins. Once met, the entire family pays coinsurance.
2 Under the HDHP Value Plan, if you cover dependents, each covered individual is covered at 100% after reaching $12,000 in out-of-pocket expenses. Combined out-of-pocket expenses for the whole family are capped at $12,700.
3 Member cost share under the PPO plan is waived when using Lantern. Member cost share under the HDHP plans is waived after the minimum IRS deductible.
4 High-tech imaging (MRI/CT) requires prior authorization, or a $50 penalty applies. Have your doctor call 1-888-953-6703 (on your Medical ID card).
5 There is a Tiered Pharmacy Surcharge for using a Level 2 Pharmacy. See Prescription Drug.

When you enroll in an Anthem BCBS medical plan, you have prescription drug coverage through CareIonRx. CareIonRx has programs in place to help you and the company better manage drug costs.

  • Prior Authorization: Your doctor must get approval from Anthem when prescribing certain medications to be sure drugs are being used as recommended by the FDA.
  • Preferred Generic: Members must buy the generic equivalent of a brand-name drug unless your doctor received prior authorization for the drug to be filled as a brand name. If you choose a brand name when a generic is available without prior authorization, you will pay the difference between the brand name cost and the generic cost.

Important Documents

View the Anthem BCBS national drug list by tier. Visit the Document Library to learn more about quantity limits and preferred generics.

  • Step Therapy: If your doctor prescribes a specific medication, you may need to try one or more other drugs before Anthem will cover the medication your doctor ordered.
  • Exclusive Specialty Program: You must fill specialty medication prescriptions through CareIonRx Specialty Pharmacy.
  • Tiered Pharmacy Surcharge: Members can fill prescriptions at Level 1 and Level 2 pharmacies. If you go to a Level 2 pharmacy, you will pay a surcharge (PPO: $10 / HDHPs: 10%). Log on to anthem.com to find a Level 1 pharmacy near you.
  • Quantity Limits: Members may not exceed the covered amount of medication (number of pills) filled in a certain time period. View quantity limits.
  • Mail Order Program and 90-Day Supply Options at Retail Pharmacies: SMP requires that you fill maintenance drugs using CareIonRx home delivery mail order, which will save you and the company money! You receive a 90-day supply of maintenance medications at home instead of going to the pharmacy every 30 days. With mail order, you may save approximately 33% on the cost of the medications.1 In addition, with the Carelon Retail 90 Network, you can get a 90-day supply of maintenance medication for the same cost as the mail order program at more than 26,000 retail pharmacies nationwide (including Walmart and CVS).
  • Cost Relief: This feature combines an innovative specialty copay plan design strategy with an improved member experience to help optimize savings from available manufacturer assistance programs—reducing member and company specialty drug costs. Call 877-638-4008 to learn more about eligibility.

Save with 90-Day Prescriptions

Get a 90-day supply of your maintenance medications through CarelonRx Mail Order or at 26,000+ retail pharmacies, including Walmart & CVS — all at the same low cost!

You could save up to 33% compared to monthly refills.

Mail order is required for ongoing prescriptions.

Monthly, pre-tax employee contributions for medical coverage are based on salary bands.

Note: If you were hired prior to July 15 and/or had a spouse covered under our medical plan, but did not complete the wellness program, $50 per month will be added to your monthly medical plan contribution in the following year.

1. First, find your salary band:

Band

Minimum

Maximum

1

–

$30,000

2

$30,001

$35,000

3

$35,001

$40,000

4

$40,001

$50,000

5

$50,001

$60,000

6

$60,001

$70,000

7

$70,001

$80,000

8

$80,001

$90,000

Band

Minimum

Maximum

9

$90,001

$100,000

10

$100,001

$110,000

11

$110,001

$120,000

12

$120,001

$130,000

13

$130,001

$140,000

14

$140,001

$150,000

15

$150,001

$1,000,000

2. Then, find your band in the monthly rate charts for each medical plan option:

Band

Plan

EE Only

EE + Spouse

EE + Children

Family

1

PPO
HDHP Base
HDHP Value

$114
$69
$32

$254
$184
$87

$246
$179
$85

$322
$230
$108

2

PPO
HDHP Base
HDHP Value

$147
$100
$48

$304
$233
$110

$290
$223
$105

$387
$293
$140

3

PPO
HDHP Base
HDHP Value

$152
$105
$50

$311
$240
$114

$301
$232
$110

$398
$304
$144

4

PPO
HDHP Base
HDHP Value

$162
$114
$55

$325
$254
$120

$318
$249
$118

$416
$323
$153

5

PPO
HDHP Base
HDHP Value

$173
$125
$60

$343
$272
$129

$336
$266
$126

$440
$345
$164

6

PPO
HDHP Base
HDHP Value

$186
$139
$66

$365
$291
$139

$354
$282
$135

$470
$373
$177

7

PPO
HDHP Base
HDHP Value

$199
$150
$72

$384
$311
$147

$372
$302
$143

$495
$397
$188

8

PPO
HDHP Base
HDHP Value

$210
$162
$76

$403
$328
$156

$387
$316
$150

$520
$421
$199

9

PPO
HDHP Base
HDHP Value

$223
$174
$82

$423
$348
$165

$404
$332
$157

$546
$446
$211

10

PPO
HDHP Base
HDHP Value

$237
$186
$88

$442
$366
$174

$418
$346
$164

$573
$472
$223

11

PPO
HDHP Base
HDHP Value

$243
$195
$93

$453
$383
$181

$427
$361
$170

$586
$493
$234

12

PPO
HDHP Base
HDHP Value

$257
$207
$98

$474
$398
$188

$446
$374
$177

$614
$514
$243

13

PPO
HDHP Base
HDHP Value

$270
$220
$104

$495
$418
$197

$460
$388
$183

$641
$539
$256

14

PPO
HDHP Base
HDHP Value

$280
$230
$108

$510
$433
$205

$474
$403
$190

$662
$560
$266

15

PPO
HDHP Base
HDHP Value

$285
$235
$111

$517
$442
$209

$488
$416
$197

$673
$572
$271

Monthly, pre-tax employee contributions for medical coverage are based on salary bands.

Note: If you were hired prior to July 15 and/or had a spouse covered under our medical plan, but did not complete the wellness program, $50 per month will be added to your monthly medical plan contribution in the following year.

1. First, find your salary band:

Band

Minimum

Maximum

1

–

$30,000

2

$30,001

$35,000

3

$35,001

$40,000

4

$40,001

$50,000

5

$50,001

$60,000

6

$60,001

$70,000

7

$70,001

$80,000

8

$80,001

$90,000

Band

Minimum

Maximum

9

$90,001

$100,000

10

$100,001

$110,000

11

$110,001

$120,000

12

$120,001

$130,000

13

$130,001

$140,000

14

$140,001

$150,000

15

$150,001

$1,000,000

2. Then, find your band in the monthly rate charts for each medical plan option:

Band

Plan

EE Only

EE + Spouse

EE + Children

Family

1

PPO
HDHP Base
HDHP Value

$121
$73
$34

$268
$183
$87

$261
$189
$90

$353
$238
$112

2

PPO
HDHP Base
HDHP Value

$156
$106
$51

$329
$242
$115

$308
$236
$112

$435
$317
$152

3

PPO
HDHP Base
HDHP Value

$161
$111
$53

$338
$251
$119

$319
$245
$117

$447
$329
$156

4

PPO
HDHP Base
HDHP Value

$172
$121
$58

$356
$268
$127

$338
$264
$124

$472
$353
$167

5

PPO
HDHP Base
HDHP Value

$183
$133
$64

$376
$290
$139

$355
$283
$134

$499
$382
$183

6

PPO
HDHP Base
HDHP Value

$197
$147
$70

$402
$313
$150

$375
$298
$143

$535
$415
$197

7

PPO
HDHP Base
HDHP Value

$211
$159
$76

$426
$336
$159

$394
$320
$151

$568
$445
$211

8

PPO
HDHP Base
HDHP Value

$223
$172
$81

$449
$358
$170

$411
$336
$160

$598
$475
$225

9

PPO
HDHP Base
HDHP Value

$236
$184
$87

$471
$380
$180

$428
$351
$167

$628
$504
$239

10

PPO
HDHP Base
HDHP Value

$251
$197
$93

$496
$403
$191

$443
$366
$173

$659
$536
$253

11

PPO
HDHP Base
HDHP Value

$261
$207
$99

$515
$423
$201

$458
$383
$181

$682
$562
$268

12

PPO
HDHP Base
HDHP Value

$272
$219
$104

$534
$441
$209

$472
$396
$188

$706
$588
$279

13

PPO
HDHP Base
HDHP Value

$286
$233
$110

$559
$466
$219

$487
$411
$194

$737
$620
$294

14

PPO
HDHP Base
HDHP Value

$297
$244
$114

$578
$485
$228

$503
$428
$201

$761
$644
$305

15

PPO
HDHP Base
HDHP Value

$302
$249
$118

$586
$495
$235

$517
$441
$209

$774
$658
$312

You will continue to have a choice of three medical plans: the HDHP Base Plan, the HDHP Value Plan, and the PPO Plan, with the same Anthem resources you use today.

As healthcare costs continue to rise, SMP has consistently worked to limit how much of that falls on employees. For many years, we’ve kept premium increases modest or held them nearly flat. In 2025, we introduced a fourth coverage tier, recognizing that families come in all shapes and sizes, and have different coverage needs.

For 2027, SMP is further aligning employee contributions across coverage levels to better reflect who you cover, while continuing to consider salary when determining what employees pay. How your contribution changes will depend on the medical plan you choose, your salary, and who you cover. Most employees will see a modest change to their paycheck deduction—for some, costs may stay about the same or even decrease slightly, while others will see a larger increase. Review the 2027 Benefits Guide or the Plan Premiums section above for your specific rates.

Additionally, coinsurance on the HDHP Base Plan will increase from 10% to 15% (in-network) and 30% to 35% (out-of-network). If you cover dependents on the HDHP Value Plan, special family out-of-pocket rules will apply. View your 2027 Benefits Guide and Summaries of Benefits and Coverage (coming soon) for details. Preventive care remains covered at 100% with in-network providers.*

Anthem New York Select Network

New York employees and their covered dependents will now use Anthem’s New York Select Network. This network includes nearly all providers currently used by SMP members in New York, so most employees should be able to continue seeing their current providers. Before receiving care, use the Find Care tool on anthem.com to confirm that your providers participate in the network.

*Before your appointment, confirm your provider is in-network and verify the appointment is scheduled as a preventive wellness exam. Please note additional tests, screenings, or services ordered during a preventive visit may be subject to cost sharing.

New ID Cards

You will receive a new ID card only if you are enrolling in a new plan or newly utilizing a Select Network. Be sure your address is updated in Dayforce.

Where should I go to receive care?

Knowing where to go for care can save you time and money. The emergency room, hospital, and urgent care each
serve different needs, and choosing the right option helps you get the right care at the right cost. Use the guide below
to see when each setting makes the most sense.

Everyday Care

Urgent (But Not Life Threatening)

Serious or Life-Threatening Emergency

Examples

Cold or flu, manageable pain, sore throat or cough, allergies, headache, pink eye, rash, suspected infection

Emergencies that require care within 24 hours (e.g., cuts, minor burns, sprains, joint pain, allergic reactions, respiratory infections)

Chest pain, difficulty breathing, sudden dizziness, weakness, severe pain, uncontrolled bleeding, seizure, compound
fracture, broken bone

Provider

Telehealth or Virtual Care

Primary Care Visit

Urgent Care Center

Emergency Room

Cost

$

$$$

$$$

$$$$

Convenience

⏱︎

⏱︎⏱︎

⏱︎⏱︎

⏱︎⏱︎⏱︎⏱︎

24/7 Support with LiveHealth Online

If you’re enrolled in a Standard Motor Products medical plan, you and your covered dependents have access to LiveHealth Online—an easy-to-use, virtual urgent care service with no appointments or long wait times. Board-certified doctors can assess your condition, give medical advice, and send prescriptions to your pharmacy. Support in Spanish is available seven days a week through Cuidado Médico on LiveHealth Online. Talk to a LiveHealth Online doctor—as well as psychologists, dermatologists, lactation consultants, and more—through the virtual care section of the Sydney Health app or livehealthonline.com. Member cost share applies.

What if I’m traveling within the U.S.?

If you’re away from home for personal travel and you need care right away, you have access to care across the country through the BlueCard preferred provider organization (PPO) program. 

  • Call 911 or go to the nearest hospital in an emergency.
  • Log into anthem.com and use the Find a Doctor tool to search for a doctor or hospital in the BlueCard PPO program.
  • Use the Sydney Health app to search for a BlueCard PPO program doctor or hospital.
  • Call Member Services at the number on your health plan ID card.
  • Remember to carry your ID card.

What if I’m traveling outside the U.S.?

  • Go straight to the nearest hospital in an emergency.
  • If it is not an emergency, go to bcbsglobalcore.com to search for a doctor or hospital.
  • Call the Global Core Service Center 24/7 at 800-810-2583 (BLUE) or call collect at 804-673-1177. Global Core will help you set up a doctor visit or hospital stay. They will work with the doctor and Anthem to approve and accept a Guarantee of Payment (GOP).
    • If you get care from a doctor or hospital that has not accepted a GOP, you will need to pay the full cost of your care upfront and file an international claim form with BCBS Global Core. You can submit the form and original bills through the mobile app, email, or by mail.

Carry Your ID Card

Remember to carry your medical ID card while traveling. The “PPO-in-a-suitcase” symbol shows you can get care from BlueCard PPO program doctors and hospitals.

Business Travel for Managers

Business travel coverage is different from personal travel coverage. Managers should refer to the Business Travel Member Guide. Access your digital ID card on the Sydney Health app or print this card.

Your medical and prescription drug coverages are just part of the range of benefits available to support your overall well-being. All your benefits are designed to work together—supporting your physical, emotional, and everyday health—while helping you save time and manage costs.

If you are enrolled in an SMP medical plan, you have access to the following benefits. Some services may also be available to your covered family members. Select “Learn more” to see full details and eligibility.

  • Telehealth with LiveHealth Online: LiveHealth Online can help you get the care you need when you need it. All you have to do is sign up online or use the free mobile app. Learn more about the benefits of telehealth in Understand Your Care Options.
  • Virtual physical therapy with Hinge Health: Get support for back, joint, and muscle pain—including women’s pelvic health—with a personalized program led by a dedicated physical therapist. Skip office visits and complete guided exercise sessions in 15 minutes or less, from home. Learn more.
  • Complex care navigation through Lantern: Get expert support for planned surgeries and complex care. Lantern connects you with top-rated providers, helps coordinate appointments, and can reduce your overall costs—so you can move forward with confidence. Learn more.
  • Family planning support through Progyny: Your medical and prescription drug coverage includes many of the clinical services needed along your family planning journey—and Progyny helps bring it all together with specialized guidance and support. Learn more.
  • Menopause and midlife care through Progyny: Your medical plan helps cover many types of routine and preventive care, and Progyny can help you connect the dots during menopause and midlife. Progyny provides virtual, personalized support for symptoms like hot flashes, sleep changes, mood shifts, weight changes, and more, and helps ensure you are up to date on important preventive care, such as annual exams, pap smears, mammograms, and other screenings. Learn more.
  • Built-in support through Anthem: Your medical plan includes a range of “hidden” benefits designed to support your health in ways you may not expect. These programs go beyond traditional care—offering support for autism care, nutrition, hearing and vision needs, substance use, and more. Learn more.  
  • Accident, Critical Illness, and Hospital Indemnity Insurance: While you do not need to be enrolled in SMP medical coverage to elect these voluntary benefits, when you’re enrolled in one of our medical plans, Anthem will proactively review your medical claims to identify when a voluntary benefit may apply. Learn more about the extra financial protection these benefits provide.
  • Tax-advantaged accounts: Our Health Savings Account (HSA) and Flexible Spending Account (FSA) options with Fidelity help you save money by allowing you to pay for out-of-pocket health and dependent day care expenses with pre-tax dollars. Eligibility rules apply. Learn more.

Mental Health Support

SMP is introducing SupportLinc in 2027. Learn more about their mental health and work/life services on the Emotional Support page.

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