Medical – Des Moines/Pella, IA

For team members and families who live in the Des Moines/Pella, Iowa region.

Team members and families who live in the Des Moines/Pella region have access to multiple medical plan options designed to provide quality care and affordable coverage. During enrollment, you can choose from two Centivo plans or one Anthem plan, giving you the flexibility to select the option that best meets your healthcare needs.

No matter which plan you choose, you'll have access to support resources that can help you understand your benefits, find care and make informed healthcare decisions.

Centivo Medical Plans

Centivo focuses on delivering lower-cost, high-quality care through a curated network of providers and health systems. Team members enrolled in a Centivo plan receive guidance and support to help them navigate care, choose providers and manage healthcare costs.

Centivo works best when you actively use in-network providers and follow the plan's care model, helping you get the most value from your healthcare benefits while maintaining access to coordinated, high-quality care. Learn more about Centivo here.

Centivo

pella.centivo.com
833-426-4054

Anthem Medical Plan with Quantum Health Support

The Anthem PPO Plus plan provides access to Anthem's nationwide BlueCard PPO network, offering flexibility to see providers across a broad network of doctors, hospitals and specialists. This option may be a good fit for team members who want greater provider choice or expect to receive care outside the local area.

When enrolled in an Anthem medical plan, start with Quantum Health for help with your benefits and healthcare needs. Your Care Coordinators can help you find providers, compare treatment options, understand costs before receiving care, resolve billing issues and navigate ongoing or complex health conditions. Healthcare can be complicated, but Quantum Health gives you one place to go for personalized support and advocacy every step of the way.

Quantum Health/Anthem

pella.quantum-health.com
866-678-3330
8:30 a.m. - 10 p.m. ET, Monday - Friday

Medical Plans Overview - Des Moines/Pella, IA Region

The summary below assumes in-network benefits only and does not contain all of the provisions or limitations which apply to your Medical and Prescription Drug coverage. For out of-network and additional coverage details, please refer to your summary plan description (SPD) booklet.

* After deductible ** If you don’t visit your designated primary care doctor for care or get a referral for specialist visits, outpatient surgery or inpatient surgery, with the EPO plan your care will not be covered; with HDHP plan a 20% penalty will be added to the cost of care. No referral needed for OB/GYN, behavioral health, urgent, emergency or chiropractic care, lab work, physical, occupational or speech therapy.
	Centivo EPO	Centivo HDHP
Calendar Year Deductible
Individual	None	$2,500
Family	None	$5,000
Calendar Year Out-of-Pocket Maximum (includes deductible)
Individual	$3,000	$4,500
Family	$6,000	$9,000
Coinsurance / Copays	You Pay
Professional Services	In-Network	In-Network
Preventive Care	$0	$0
Office Visit (Prim. / Spec.)	$0 / $40 copay	$0* / 20%
Pella Corporation Wellness Center	$0	$30 copay
Virtual Primary Care (VPC)	$0	$15 copay
Diagnostic Lab	PCP/Specialist Office/Premise Health: $0 Copay All Other Outpatient: $20 copay	20%*
Advanced Imaging	$200 copay	20%*
Behavioral Health Office Visit	$0	$0*
OB/GYN Office Visit	$40 copay	20%*
Outpatient Rehabilitation (Includes Physical, Occ & Speech Therapy)	$40 copay (60 visits max each)	20%* (60 visits max each)
Inpatient Hospital	$800 copay**	20%**
Outpatient Surgery	$500 copay**	20%**
Urgent Care	$50 copay	20%*
Emergency Room	Emergent: $250 copay / Non-Emergent: $250 copay + $250 penalty	Emergent: 20%* / Non-Emergent: 20%* + $250 penalty
Prescription Drugs
Deductible	N/A	Combined w/medical
Retail (30-day supply)
Generic	$10 copay	20%*
Brand (Preferred/Non-Preferred)	$30 copay/$50 copay	20%*
Retail-90/Mail Order (90-day supply)
Generic	$30 copay	20%*
Brand (Preferred/Non-Preferred)	$90 copay/$150 copay	20%*
Specialty Prescriptions (30-day supply only)
Specialty	30%	20%*

* After deductible ** If you don’t visit your designated primary care doctor for care or get a referral for specialist visits, outpatient surgery or inpatient surgery, with the EPO plan your care will not be covered; with HDHP plan a 20% penalty will be added to the cost of care. No referral needed for OB/GYN, behavioral health, urgent, emergency or chiropractic care, lab work, physical, occupational or speech therapy.
	Centivo EPO	Centivo HDHP
Calendar Year Deductible
Individual	None	$2,500
Family	None	$5,000
Calendar Year Out-of-Pocket Maximum (includes deductible)
Individual	$3,000	$4,500
Family	$6,000	$9,000
Coinsurance / Copays	You Pay
Professional Services	In-Network	In-Network
Preventive Care	$0	$0
Office Visit (Prim. / Spec.)	$0 / $40 copay	$0* / 20%
Pella Corporation Wellness Center	$0	$30 copay
Virtual Primary Care (VPC)	$0	$15 copay
Diagnostic Lab	PCP/Specialist Office/Premise Health: $0 Copay All Other Outpatient: $20 copay	20%*
Advanced Imaging	$200 copay	20%*
Behavioral Health Office Visit	$0	$0*
OB/GYN Office Visit	$40 copay	20%*
Outpatient Rehabilitation (Includes Physical, Occ & Speech Therapy)	$40 copay (60 visits max each)	20%* (60 visits max each)
Inpatient Hospital	$800 copay**	20%**
Outpatient Surgery	$500 copay**	20%**
Urgent Care	$50 copay	20%*
Emergency Room	Emergent: $250 copay / Non-Emergent: $250 copay + $250 penalty	Emergent: 20%* / Non-Emergent: 20%* + $250 penalty
Prescription Drugs
Deductible	N/A	Combined w/medical
Retail (30-day supply)
Generic	$10 copay	20%*
Brand (Preferred/Non-Preferred)	$30 copay/$50 copay	20%*
Retail-90/Mail Order (90-day supply)
Generic	$30 copay	20%*
Brand (Preferred/Non-Preferred)	$90 copay/$150 copay	20%*
Specialty Prescriptions (30-day supply only)
Specialty	30%	20%*

Anthem Medical Plans	Anthem PPO Plus**	Anthem HDHP	Anthem PPO
Calendar Year Deductible (In/Out-of-Network)
	(In/Out-of-Network)	(In/Out-of-Network)	(In/Out-of-Network)
Individual	$1,000/$2,000	$2,500/$5,000	$3,500/$7,000
Family	$2,500/$5,000	$5,000/$10,000	$7,000/$14,000
Calendar Year Out-of-Pocket Maximum (includes deductible)
	(In/Out-of-Network)	(In/Out-of-Network)	(In/Out-of-Network)
Individual	$4,000/$8,000	$4,500/$9,000	$6,000/$12,000
Family	$8,000/$16,000	$9,000/$18,000	$12,000/$24,000
Coinsurance / Copays	You Pay	You Pay	You Pay
Professional Services	In-Network	In-Network	In-Network
Preventive Care	Covered at 100%	Covered at 100%	Covered at 100%
Office Visit (Prim. / Spec.)	$25 / $50 copay	20%*	$40 / $60 copay
Diagnostic Test / Lab	Lab/X-Ray Services (Office Settings): $25 copay All Other Services: 30%*	20%*	20%*
Diagnostic X-Ray	Lab/X-Ray Services (Office Settings): $25 copay All Other Services: 30%*	20%*	20%*
Advanced Imaging - Inpatient	Hospital: 30%* Office/Clinic: $25 copay, then 30% (ded waived)	20%*	20%*
Advanced Imaging - Outpatient	Hospital: 30%* Office/Clinic: $25 copay, then 30% (ded waived)	20%*	20%*
Virtual Primary Care (VPC)	$15 copay	$15 copay	$15 copay
Inpatient	30%*	20%*	20%*
Outpatient Surgery	30%*	20%*	20%*
Urgent Care	$50 copay	20%*	$50 copay
Emergency Room	$250 copay then 30%	20%*	$250 copay then 20%
Prescription Drugs
Deductible	N/A	Combined w/ medical	N/A
Retail (31-day supply)
Generic	$15 copay	20%*	$15 copay
Brand (Preferred/Non-Preferred)	$35 copay/$80 copay	20%*	$35 copay/$80 copay
Retail-90/Mail Order (90-day supply)
Generic	$45 copay	20%*	$45 copay
Brand (Preferred/Non-Preferred)	$105 copay/$240 copay	20%*	$105 copay/$240 copay
Specialty Prescriptions
Specialty (30-day supply only)	Preferred: $250 Non-Preferred: 50%*	20%*	Preferred: $250 Non-Preferred: 50%*
* After deductible ** Anthem PPO Plus plan is also available to team members who reside in the Des Moines/Pella, Iowa area.

HDHP and HSA

The HDHP Plan is paired with a Health Savings Account (HSA). See the Health Savings Account page for HDHP-linked HSA details.