
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.
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:
*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.
Our medical plan options have lower-than-market average employee paycheck contributions, deductibles, and coinsurance. In addition, Fanatics uses a salary band approach to ensure our benefits stay cost effective.
Salary bands allow us to pass on additional savings to our employees who have an annual salary1 of $50,000 or less. Employees who have an annual salary1 of more than $50,000 will receive the normal annual cost adjustments. You will see your costs when enrolling through UltiPro.
1 Annual salary is the amount effective in UltiPro on May 1 of each year.
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! |
EPO | Option 4 Administered by: BCBS | An Exclusive Provider Organization (EPO) plan that provides coverage for in-network care only, delivered through an exclusive network of providers. |
Kaiser HMO (California, Virginia, Maryland, and Washington D.C. employees only) Administered by: Kaiser | A Health Maintenance Organization (HMO) plan available to California, Virginia, Maryland, and Washington D.C. employees that provides coverage for in-network care only, coordinated by your primary care provider. |
Compare the plans |
All our medical plans provide:
for a wide range of medical services.
with services such as annual physicals, recommended immunizations, and routine cancer screenings covered at 100%. See more covered preventive services.
included with each medical plan.
through annual out-of-pocket maximums that limit the amount you’ll pay each year.
Plan features | PPO 500 | Option 1 | PPO 1500 | Option 2 | HDHP | Option 3 | EPO | Option 4 | Kaiser HMO (CA and VA, MD, DC only) |
---|---|---|---|---|---|
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 | $60 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 Visit | |||||
In-network | Teladoc PCP: $10 copay / Teladoc Specialist: $30 copay | Teladoc PCP: $10 copay / Teladoc Specialist: $30 copay | Deductible, then 20% coinsurance (Your Teladoc cost share will depend on the service.) | Teladoc PCP: $10 copay / Teladoc Specialist: $25 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. | CA: Deductible, then $10 copay / VA, MD, DC: $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 | CA: $20 copay / VA, MD, DC: $40 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 20% 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 | $30 copay |
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 | $60 copay |
*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.
***Kaiser has an embedded deductible and out-of-pocket maximum for family coverage. That means that no single individual on a family plan will have to pay a deductible or OOP max higher than the individual deductible amount.
Coverage for bariatric surgery, fertility treatment, and gender affirmation treatment is accessible to employees through their Fanatics medical and pharmacy coverage, rather than through a reimbursement program. This approach allows access to high quality care, as well as clinical treatment and guidance to support your medically necessary needs at a negotiated rate while improving your overall well-being.
If you incurred eligible expenses for bariatric surgery, fertility treatment, or gender affirmation treatment before July 1, 2023, you have until June 30, 2024 to request reimbursement through the prior reimbursement programs. Use the applicable documents on the Resources page to submit your reimbursement request.
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.
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.
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 $610 of unused money in your FSA to the next year; you will forfeit any amount above $610 that remains in your FSA at the end of the plan year.
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.
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.
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 $610 of unused money in your FSA to the next year; you will forfeit any amount above $610 that remains in your FSA at the end of the plan year.
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.
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 to your account, too! You'll receive $500 (single coverage tier) or $1,000 (non-single coverage tier) for the year.
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.
Use your HSA to budget for deductibles and other out-of-pocket expenses while also saving money — your HSA contributions are tax-free!
Take advantage of these resources to manage your care and 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:
The EPO | Option 4 plan 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.
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.
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 $610 of unused money in your FSA to the next year; you will forfeit any amount above $610 that remains in your FSA at the end of the plan year.
Take advantage of these resources to manage your care and your costs.
The Kaiser HMO plan is available to California, Virginia, Maryland, and Washington D.C. 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.
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>>
You pay the plan payroll deduction from your paycheck to have coverage.
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.
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 $610 of unused money in your FSA to the next year; you will forfeit any amount above $610 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, 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.
The cost of your prescription drugs depends on the tier of the medication:
For ongoing maintenance medication, you can take advantage of the convenience and cost savings of using the mail order program.
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.
Take advantage of these valuable resources to better manage your health care and your spending.
Find an in-network provider, research costs, view claims, and more through your medical plan’s 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:
If you’re enrolled in the PPO 500 | Option 1, PPO 1500 | Option 2, EPO | Option 4, or HDHP | Option 3 plan, you have access the following resources:
If you’re enrolled in the Kaiser HMO, you have access to the following resources:
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: