To support your well-being, Fanatics provides valuable benefits that help you and your family stay healthy and pay for care in the event of illness or injury.
Who’s eligible?
All regular full-time US employees* are eligible for medical and pharmacy benefits. You may enroll within 31 days of your hire date. After that, you may enroll or change your coverage during our annual open enrollment period or within 31 days of a qualified life event. Learn more about life events.
As an eligible employee, you can also enroll your:
- Spouse or domestic partner
- Children up to age 26
- Disabled children over the age of 26
*Benefits described in this site may not be available to employees covered under a collective bargaining agreement. If you have questions related to your collective bargaining agreement, please contact your HR Business Partner.
2022–2023 medical plans
Our benefits program offers several medical and pharmacy plan options with a range of coverage levels and costs, so you can choose the plan that is best for you and your family.
| Plan | Description |
|---|---|
| PPO 500 | Option 1 Administered by: BCBS | A traditional Preferred Provider Organization (PPO) plan that costs you more from your paycheck but keeps your out-of-pocket costs down with copays for services and a low deductible that only applies to certain hospital services. |
| PPO 1500 | Option 2 Administered by: BCBS | A traditional Preferred Provider Organization (PPO) plan that balances your paycheck and out-of-pocket costs with a moderate deductible, copays for many services, and coinsurance after the deductible for some hospital services. |
| High Deductible Health Plan (HDHP | Option 3) Administered by: BCBS | A high-deductible health plan (HDHP) that puts you in charge of your spending through lower payroll deductions and the ability to contribute to a tax-free Health Savings Account (HSA). Fanatics contributes $250 annually to your HSA, too! |
| Florida EPO | Option 4 (Florida employees only) Administered by: BCBS | An Exclusive Provider Organization (EPO) plan available to Florida employees that provides coverage for in-network care only, delivered through an exclusive network of providers. |
| Kaiser HMO (California employees only) Administered by: Kaiser | A Health Maintenance Organization (HMO) plan available to California employees that provides coverage for in-network care only, coordinated by your primary care provider. |
| Compare the plans | |
Key features at a glance:
All our medical plans provide:
Comprehensive coverage
for a wide range of medical services.
Free in-network preventive care
with services such as annual physicals, recommended immunizations, and routine cancer screenings covered at 100%. See more covered preventive services.
Pharmacy coverage
included with each medical plan.
Financial protection
through annual out-of-pocket maximums that limit the amount you’ll pay each year.
Get care from anywhere
Access health resources
| Plan features | PPO 500 | Option 1 | PPO 1500 | Option 2 | HDHP | Option 3 | Florida EPO | Option 4 | Kaiser HMO |
|---|---|---|---|---|---|
| Your Medical Costs | |||||
| Calendar Year Deductible (Individual/Family) | |||||
| In-network | $500/$1,500 | $1,500/$4,500 | $2,000/$4,000* | $1,000/$3,000 | $500/$1,000 |
| Out-of-network | $1,800/$5,400 | $4,500/$13,500 | $4,000/$8,000* | Not covered | Not covered |
| Coinsurance | |||||
| In-network | 0% | 20% | 20% | 20% | 20% |
| Out-of-network | 50% | 50% | 50% | Not covered | Not covered |
| Calendar Year Out-of-Pocket Maximum (Individual/Family) | |||||
| In-network | $3,500/$7,000 | $4,500/$9,000 | $5,000/$10,000** | $4,000/$9,000 | $3,000/$6,000 |
| Out-of-network | $7,000/$14,000 | $9,000/$18,000 | $10,000/$20,000** | Not covered | Not covered |
| Preventive Care | |||||
| In-network | 100% covered | 100% covered | 100% covered | 100% covered | 100% covered |
| Out-of-network | Deductible, then 50% coinsurance | Deductible, then 50% coinsurance | Deductible, then 50% coinsurance | Not covered | Not covered |
| Primary Care Visit | |||||
| In-network | $30 copay | $30 copay | Deductible, then 20% coinsurance | $25 copay | $20 copay |
| Out-of-network | Deductible, then 50% coinsurance | Deductible, then 50% coinsurance | Deductible, then 50% coinsurance | Not covered | Not covered |
| Specialist Visit | |||||
| In-network | $60 copay | $55 copay | Deductible, then 20% coinsurance | $60 copay | $40 copay |
| Out-of-network | Deductible, then 50% coinsurance | Deductible, then 50% coinsurance | Deductible, then 50% coinsurance | Not covered | Not covered |
| Virtual Medicine Visit | |||||
| In-network | Teladoc general medicine visit: $10 copay | Teladoc general medicine visit: $10 copay | Teladoc general medicine visit: $55 charge — applies to deductible, then 20% coinsurance | Teladoc general medicine visit: $10 copay | Telehealth visit: $0 copay |
| Lab & X-ray | |||||
| In-network | Your cost share will depend on your provider and where the service is performed. | Your cost share will depend on your provider and where the service is performed. | Deductible, then 20% coinsurance | Your cost share will depend on your provider and where the service is performed. | $10 copay |
| Out-of-network | Deductible, then 50% coinsurance | Deductible, then 50% coinsurance | Deductible, then 50% coinsurance | Not covered | Not covered |
| Emergency Room Visit | |||||
| In- or out-of-network | $350 copay (waived if admitted) | $350 copay (waived if admitted) | Deductible, then 20% coinsurance | $350 copay (waived if admitted) | Deductible, then 20% coinsurance |
| Urgent Care Visit | |||||
| In-network | $30 copay | $30 copay | Deductible, then 20% coinsurance | $25 copay | $20 copay |
| Out-of-network | Deductible, then 50% coinsurance | Deductible, then 50% coinsurance | Deductible, then 50% coinsurance | Not covered | Not covered |
| Outpatient Hospital Services | |||||
| In-network | Deductible + $300 copay | Deductible, then 50% coinsurance | Deductible, then 20% coinsurance | Deductible + $300 copay | Deductible, then 20% coinsurance |
| Out-of-network | Deductible, then 50% coinsurance | Deductible, then 50% coinsurance | Deductible, then 50% coinsurance | Not covered | Not covered |
| Inpatient Hospital Services | |||||
| In-network | Deductible + $700 copay | Deductible, then 20% coinsurance | Deductible, then 20% coinsurance | Deductible + $400/day (5 days max.) | Deductible, then 20% coinsurance |
| Out-of-network | Deductible, then 50% coinsurance | Deductible + $500 copay, then 50% coinsurance | Deductible, then 50% coinsurance | Not covered | Not covered |
| Outpatient Mental Health | |||||
| In-network | $30 copay | $30 copay | Deductible, then 20% coinsurance | $25 copay | $20 copay |
| Out-of-network | Deductible, then 50% coinsurance | Deductible, then 50% coinsurance | Deductible, then 50% coinsurance | Not covered | Not covered |
| Inpatient Mental Health | |||||
| In-network | Deductible + $700 copay | Deductible, then 20% coinsurance | Deductible, then 20% coinsurance | Deductible + $400/day (5 days max.) | Deductible, then 20% coinsurance |
| Out-of-network | Deductible, then 50% coinsurance | Deductible + $500 copay, then 50% coinsurance | Deductible, then 50% coinsurance | Not covered | Not covered |
| Your Pharmacy Costs | |||||
| Retail Prescriptions (30-day supply) | |||||
| Tier 1 | $10 copay | $10 copay | Deductible, then 20% coinsurance | $10 copay | $10 copay |
| Tier 2 | $50 copay | $50 copay | Deductible, then 20% coinsurance | $50 copay | $30 copay |
| Tier 3 | $80 copay | $80 copay | Deductible, then 20% coinsurance | $80 copay | N/A |
| Mail Order Prescriptions (90-day supply) | |||||
| Tier 1 | $25 copay | $25 copay | Deductible, then 20% coinsurance | $25 copay | $20 copay |
| Tier 2 | $125 copay | $125 copay | Deductible, then 20% coinsurance | $125 copay | $60 copay |
| Tier 3 | $200 copay | $200 copay | Deductible, then 20% coinsurance | $200 copay | N/A |
*With the HDHP | Option 3, the family deductible is an aggregate, or “true family,” deductible. This means that coinsurance for any person covered under a family plan begins only after the entire family deductible has been met.
**With the HDHP | Option 3, family coverage has an embedded out-of-pocket maximum that applies to individuals covered on the plan. This means the plan begins to pay 100% for any covered family member when that person meets an individual out-of-pocket maximum of $6,650 in-network. The plan will pay 100% for all covered family members once the family out-of-pocket maximum ($10,000 in-network/$20,000 out-of-network) has been met, even if certain family members have not met their embedded individual out-of-pocket maximum.
The PPO 500 | Option 1 plan offers lower out-of-pocket costs in exchange for higher paycheck contributions. With this plan, your costs are more predictable, but you’ll likely still have some out-of-pocket expenses.
You can choose any in-network or out-of-network provider each time you receive care. But keep in mind: You will generally receive higher benefits when you use in-network providers.
If you are newly enrolling in this plan, you will receive an ID card in the mail shortly after enrolling. You can also print your ID card information from the BCBS website or download the My Health Toolkit® mobile app to view a digital ID card.
How the PPO 500 | Option 1 plan works
Copay
You pay a small fee at the time of service for in-network doctor visits and prescriptions. (The deductible does not apply.)
Deductible
For some care, such as hospital services, you pay 100% of the costs until you meet the annual deductible.
Cost Sharing
After meeting the deductible, you pay either a copay or coinsurance (a percentage of the cost), and the plan pays the rest.
Out-of-Pocket Maximum
You’re protected by an annual limit on costs — the plan pays 100% of any further covered expenses for the rest of the year.
Money-saving Tip
A Health Care Flexible Spending Account (FSA) lets you take advantage of tax-free savings when paying for care. But, be sure to plan your FSA contributions carefully! Based on the IRS “use it or lose it” policy, you can only roll over up to $500 of unused money in your FSA to the next year; you will forfeit any amount above $500 that remains in your FSA at the end of the plan year.
Make the most of your coverage
Take advantage of these resources to manage your care and your costs.
The PPO 1500 | Option 2 plan offers slightly higher out-of-pocket costs compared to the PPO 500 | Option 1 plan, in exchange for slightly lower paycheck contributions. With the PPO 1500 | Option 2 plan, your costs are somewhat predictable, but you’ll likely have out-of-pocket expenses.
You can choose any in-network or out-of-network provider each time you receive care. But keep in mind: You will generally receive higher benefits when you use in-network providers.
If you are newly enrolling in this plan, you will receive an ID card in the mail shortly after enrolling. You can also print your ID card information from the BCBS website or download the My Health Toolkit® mobile app to view a digital ID card.
How the PPO 1500 | Option 2 plan works
Copay
You pay a small fee at the time of service for in-network doctor visits and prescriptions. (The deductible does not apply.)
Deductible
For some care, such as hospital services, you pay 100% of the costs until you meet the annual deductible.
Coinsurance
After meeting the deductible, you and the plan share the cost of certain services, with the plan paying the majority.
Out-of-Pocket Maximum
You’re protected by an annual limit on costs — the plan pays 100% of any further covered expenses for the rest of the year.
Money-saving Tip
A Health Care Flexible Spending Account (FSA) lets you take advantage of tax-free savings when paying for care. But, be sure to plan your FSA contributions carefully! Based on the IRS “use it or lose it” policy, you can only roll over up to $500 of unused money in your FSA to the next year; you will forfeit any amount above $500 that remains in your FSA at the end of the plan year.
Make the most of your coverage
Take advantage of these resources to manage your care and your costs.
The HDHP | Option 3 pairs low-payroll deduction, high-deductible medical coverage with a tax-free Health Savings Account (HSA)
With this plan, you can choose any in-network or out-of-network provider each time you receive care. But keep in mind: You will generally receive higher benefits when you use in-network providers.
If you are newly enrolling in this plan, you will receive an ID card in the mail shortly after enrolling. You can also print your ID card information from the BCBS website or download the My Health Toolkit® mobile app to view a digital ID card.
How the HDHP | Option 3 works
You pay the plan payroll deduction from your paycheck to have coverage.
Fund your HSA
You can contribute tax-free money to help cover your costs — now, or in the future. Fanatics contributes $250 annually to your account, too!
Deductible
You pay 100% of your medical and pharmacy costs until you meet the annual deductible.
Coinsurance
After meeting the deductible, you and the plan share the cost of certain services, with the plan paying the majority.
Out-of-Pocket Maximum
You’re protected by an annual limit on costs — the plan pays 100% of any further covered expenses for the rest of the year.
Keep in mind: You pay nothing for in-network preventive care — it’s covered in full.
Money-saving Tip
Use your HSA to budget for deductibles and other out-of-pocket expenses while also saving money — your HSA contributions are tax-free!
Make the most of your coverage
Take advantage of these resources to manage your care and your costs.
Budgeting for your costs
With the HDHP | Option 3, you pay less in payroll deductions and assume more financial responsibility when you receive care. So, it’s important to plan ahead for your out-of-pocket expenses. Here are some ideas to consider:
- Think about your costs. Contribute at least enough to your HSA to cover your expected out-of-pocket costs, such as your annual deductible and coinsurance. Remember — because you’re keeping more of your paycheck by paying lower medical plan payroll deductions, you may have extra money available to put in your HSA.
- Plan ahead. You can only spend HSA money that’s actually been deposited into your account. If you don’t have money in your HSA when you need it, pay another way (credit card, check, or cash) and remember to reimburse yourself later so you take full advantage of your HSA’s tax savings.
- Look long term. You will never forfeit any money left in your HSA — it rolls over year after year. If you know about future expenses — or if you want to save for your health care costs in retirement — set aside a little extra each paycheck so your balance can grow over time.
The Florida EPO | Option 4 plan is available to Florida employees. It provides in-network coverage only and helps you save money through the discounted rates charged by network providers.
If you are newly enrolling in this plan, you will receive an ID card in the mail shortly after enrolling. You can also print your ID card information from the BCBS website or download the My Health Toolkit® mobile app to view a digital ID card.
How the Florida EPO | Option 4 works
You pay the plan payroll deduction from your paycheck to have coverage.
Copay
You pay a small fee at the time of service for in-network doctor visits and prescriptions. (The deductible does not apply.)
Deductible
For some care, such as hospital services, you pay 100% of the costs until you meet the annual deductible.
Cost Sharing
After meeting the deductible, you pay either a copay or coinsurance (a percentage of the cost), and the plan pays the rest.
Out-of-Pocket Maximum
You’re protected by an annual limit on costs — the plan pays 100% of any further covered expenses for the rest of the year.
Keep in mind: You pay nothing for in-network preventive care — it’s covered in full.
Money-saving Tip
A Health Care Flexible Spending Account (FSA) lets you take advantage of tax-free savings when paying for care. But, be sure to plan your FSA contributions carefully! Based on the IRS “use it or lose it” policy, you can only roll over up to $500 of unused money in your FSA to the next year; you will forfeit any amount above $500 that remains in your FSA at the end of the plan year.
Make the most of your coverage
Take advantage of these resources to manage your care and your costs.
The Kaiser HMO plan is available to California employees. It provides coverage only when you receive care from providers within the HMO network. Your primary care provider (PCP) will coordinate your care to help manage costs.
If you are newly enrolling in this plan, you will receive an ID card in the mail shortly after enrolling. You can also print your ID card information from the Kaiser website or download the Kaiser Permanente mobile app to view a digital ID card.
Do you have a PCP?
With an HMO, you’re required to select a primary care provider (PCP) who will manage your care and provide referrals if you need to see a specialist. Find a doctor>>
How the Kaiser HMO works
You pay the plan payroll deduction from your paycheck to have coverage.
How the Kaiser HMO works
You pay the plan payroll deduction from your paycheck to have coverage.
Copay
You pay a small fee at the time of service for in-network doctor visits and prescriptions. (The deductible does not apply.)
Deductible
For some care, such as hospital services, you pay 100% of the costs until you meet the annual deductible.
Coinsurance
After meeting the deductible, you and the plan share the cost of certain services, with the plan paying the majority.
Out-of-Pocket Maximum
You’re protected by an annual limit on costs — the plan pays 100% of any further covered expenses for the rest of the year.
Keep in mind: You pay nothing for in-network preventive care — it’s covered in full.
Money-saving Tip
A Health Care Flexible Spending Account (FSA) lets you take advantage of tax-free savings when paying for care. But, be sure to plan your FSA contributions carefully! Based on the IRS “use it or lose it” policy, you can only roll over up to $500 of unused money in your FSA to the next year; you will forfeit any amount above $500 that remains in your FSA at the end of the plan year.
When you enroll in the PPO 500 | Option 1, PPO 1500 | Option 2, Florida EPO | Option 4, or HDHP | Option 3 plan, you automatically receive pharmacy benefits through OptumRx. OptumRx has a wide variety of pharmacies in its network, including both national and locally run pharmacies. If you enroll in the Kaiser HMO plan, your pharmacy coverage will be provided through Kaiser.
Pharmacy coverage tiers
The cost of your prescription drugs depends on the tier of the medication:
- Tier 1 — Generic medications contain the same active ingredients as their brand-name equivalents and meet the same federal standards for safety, but typically cost significantly less.
- Tier 2 — Preferred brand-name prescription drugs are favored by a prescription plan based on effectiveness and cost.
- Tier 3 — Nonpreferred brand-name prescription drugs are not on a prescription plan's favored list (or formulary) based on effectiveness and cost. Nonpreferred drugs still may be covered, but may require prior authorization and cost more.
Mail order
For ongoing maintenance medication, you can take advantage of the convenience and cost savings of using the mail order program.
Why use mail order:
- Prescriptions are shipped to you for free — no waiting in line at the pharmacy.
- You save money with a reduced cost for a three-month supply.
- You can set up automatic refills.
Save money
The cost of prescription drugs is rising faster than many other health care services and supplies. But, there are ways for you to save on your cost of prescriptions.
- Ask your doctor about generic medications. Generic medications are generally just as effective as brand-name medications, yet the cost of generics is substantially lower, both for you and your plan. They typically cost between 30% and 75% less than brand-name drugs.
- Use your plan’s mail order feature. If you regularly take medication to treat a chronic condition — such as an allergy, heart disease, high blood pressure, or diabetes — the mail order prescription program is a convenient and money-saving option for you.
Review coverage
Access health resources
Take advantage of these valuable resources to better manage your health care and your spending.
Medical plan website
Find an in-network provider, research costs, view claims, and more through your medical plan’s website:
- For the PPO 500 | Option 1, PPO 1500 | Option 2, Florida EPO | Option 4, or HDHP | Option 3 plans: Log in to the BCBS My Health Toolkit® website or download the My Health Toolkit® mobile app. If this is your first time using the BCBS My Health Toolkit®, follow the instructions to register and then create your profile.
- For the Kaiser HMO: Log in to the Kaiser website or download the Kaiser Permanente mobile app.
Pharmacy plan website
Review your plan’s formulary list, check prescription prices, sign up for mail order, request a refill, and more on your pharmacy plan’s website:
Blue Cross Blue Shield resources
If you’re enrolled in the PPO 500 | Option 1, PPO 1500 | Option 2, Florida EPO | Option 4, or HDHP | Option 3 plan, you have access the following resources:
- Member Messaging: Sign up for member messaging to receive cost‐saving tips, health and wellness reminders, and updates for your specific benefits. For example, a quick text can suggest convenient places to get a flu vaccine. It’s a simple and secure way to get information you can use — and it’s easy to enroll. Call 844.206.0624.
- Essential Advocate: Call 888.521.2583 any time of the day, any day of the week. A care coordinator will connect you with a registered nurse or other expert who can provide information, support, or health pointers. For example, you can get help with:
- Finding a doctor, specialist or urgent care center.
- Concerns about medications and side effects.
- Locating helpful programs and resources in your community.
- Preparing for surgery and taking steps for a healthy recovery.
- Scheduling an appointment with your doctor.
- My Health Toolkit® mobile app: Put health care resources at your fingertips with this convenient app. After downloading the app and logging in, you can:.
- View and share your digital ID card.
- Check the status of your claims fast.
- See what’s covered by your health plan.
- Find a local provider who’s right for you.
Kaiser resources
If you’re enrolled in the Kaiser HMO, you have access to the following resources:
- 24/7 advice: Call 833.574.2273 to talk to a licensed care provider any time of day or night if you have a question or need medical advice. Reach out for answers to urgent health questions and help deciding what type of care is needed and where to get it.
- kp.org: Stay on top of your health care by registering on the Kaiser website. You can choose a doctor, schedule appointments, view most lab results, refill most prescriptions, and more. You can also take advantage of online wellness programs, work with a wellness coach, and save money with member discounts.
- Kaiser Permanente mobile app: Get care when and where you need it. Download the app, log in, and take advantage of many convenient care options. You can email your provider team with a nonurgent question, receive medical advice through an e-visit, or schedule a phone or video visit. You can also easily access your plan information, locate a nearby facility, and much more.
Transparency in Coverage Rules
The federal Transparency in Coverage Rules require certain group health plans to publicly disclose price and cost-sharing information. This information includes in-network provider rates as well as historical out-of-network allowed amounts and billed charges for covered items and services, which is to be shared via two separate machine-readable files (MRFs). The machine-readable files are formatted to allow researchers, regulators and application developers to more easily access and analyze data. The MRFs for Fanatics’ medical plan carriers can be found below: