Medical
Highlight Reel
Everyone gets sick from time to time. And it’s not just Olympians who strain their hamstrings. Medical insurance protects you from paying full freight for your health care needs. FanDuel offers a variety of medical plans, paying the monthly cost for two of them and heavily subsiding the others, to keep you game-ready.
Inclusive Care Through Anthem
Traditionally, LGBTQ folks have faced barriers to getting the health care they need. We’re addressing those obstacles head on. If you or a covered dependent identifies as LGBTQ, take a look at how Anthem can tailor the health care experience.
For additional details, see Anthem’s Inclusive Care program overview.
Understanding Insurance Lingo
Don’t be intimidated by insurance terms. Some of them may be unfamiliar to you, but we’re here to explain them.
Deductible
Copay
Coinsurance
Annual out-of-pocket maximum
Premium
In-network
Out-of-network
Preventive care
Primary care physician (PCP)
Your doctor. The one who knows you best. The one you go to for your annual physical.
Provider
Still struggling with the vocab?
Remember that the experts at Health Advocate are available to answer your questions, help you pick the right medical plan, and more.
Medical Plan Overview
FanDuel offers four medical plans to all full-time employees, plus a fifth to California and Georgia residents. Each plan works a bit differently, but they all cover preventive care and prescription drugs.
Before we get into details, give us a moment to brag: for two of the plans, FanDuel pays 100% of the premiums. Single coverage? Check. Adding your spouse? Yep. The whole family? FanDuel still pays it. And we’re proud to.
Not a full-time employee?
FanDuel still takes care of you with a valuable medical plan. Part-time and daily on-call employees are only eligible to enroll in the Consumer Advantage with HSA plan, but you don’t pay a dime in premiums. And we’ll still add money to your HSA if you enroll and set up an account. Pretty sweet deal, right?
Medical Plan Scouting Reports
FanDuel’s medical plans are like athletes. Each plan excels in a different way, and the right fit depends on your health needs.
The good news? You can’t really go wrong. All five plans deliver valuable, affordable medical coverage for you and any family members you cover.
Consumer Advantage with HSA
The Consumer Advantage with HSA, administered by Anthem, is a high-deductible health plan, which sounds scarier than it is. Sure, the deductible is higher than other plans. But it’s also the only FanDuel plan that comes with a health savings account (HSA).
If you’re enrolled in this plan, FanDuel adds money to your HSA ($700 if you only cover yourself and $1,200 if you’re also covering a family member). Any contributions you make, up to the IRS limit, are tax-advantaged. Plus, FanDuel pays 100% of this plan’s premium for you and your eligible dependents. The high deductible doesn’t sound so scary anymore, huh?
Once you meet your deductible, the plan starts sharing costs with you. At that point, you’ll pay coinsurance—a percentage of the cost of your care—until you meet the annual out-of-pocket maximum.
Highlights
- Administered by Anthem, and it’s the only FanDuel plan with an HSA
- Free money from FanDuel for your HSA—$700 for single coverage or $1,200 if you also cover a dependent (prorated if you enroll midyear)
- Premiums for you and your dependents 100% covered by FanDuel
- Cost sharing with the plan through coinsurance, a percentage of the total cost, when you receive care
- The only plan available to part-time and daily on-call employees
$500 PPO
The $500 PPO is a preferred provider organization (PPO) plan administered by Anthem. You can receive care from any doctor or facility you’d like, but that’s where the “preferred provider” part comes in. You’ll pay more if you go to a provider outside of Anthem’s network, since those providers haven’t agreed to the lower, PPO-contracted rates.
The “$500” part refers to the plan’s deductible. You’ll need to reach $500 in out-of-pocket expenses before the plan starts sharing costs with you. However, you don’t need to meet your deductible for services that have a copay, like primary care, specialist, and urgent care visits.
Highlights
- A preferred provider organization (PPO) plan administered by Anthem
- $500 deductible
- Know how much you’ll pay before you receive care, with flat copays for office or urgent care visits
- FanDuel subsidizes 95% of this plan’s premium
$1,500 PPO
The $1,500 PPO is a preferred provider organization (PPO) plan administered by Anthem. You can receive care from any doctor or facility you’d like, but that’s where the “preferred provider” part comes in. The $1,500 PPO covers providers in the Anthem network—preferred ones—at higher rates.
The “$1,500” part refers to the plan’s deductible. You’ll need to reach $1,500 in out-of-pocket expenses before the plan starts sharing costs with you. However, you don’t need to meet your deductible for services that have a copay, like primary care, specialist, and urgent care visits.
FanDuel pays for 100% of this plan’s premium for you and your eligible dependents.
Highlights
- A preferred provider organization (PPO) plan administered by Anthem
- $1,500 deductible
- Know how much you’ll pay before you receive care, with flat copays for office or urgent care visits
- Premiums for you and your dependents 100% covered by FanDuel
EPO
The EPO plan is an exclusive provider organization (EPO) plan administered by Anthem. As the name suggests, your care is only covered when you visit exclusive providers in the Anthem network (except for emergencies). However, EPO uses the same expansive network of providers as the $500 PPO and $1,5000 PPO plans.
You don’t have a deductible under the EPO plan, which means your insurance starts sharing costs with you immediately. When you receive care, you’ll pay a flat copay.
Highlights
- An exclusive provider organization (EPO) plan administered by Anthem
- $0 deductible
- Cost sharing with the plan, with a flat copay when you receive care
- Only allows you to receive care from Anthem network doctors (except for emergencies)
Kaiser HMO
If a one-stop shop for medical care appeals to you, the Kaiser HMO is a good bet. With Kaiser, you and each of your covered dependents pick a primary care physician (PCP) in the Kaiser network. Your PCP is your first contact when you need care. Then, when you need to see a specialist, your PCP coordinates it and refers you.
Highlights
- A health maintenance organization (HMO) plan administered by Kaiser
- $0 deductible
- Cost sharing with the plan through a flat copay when you receive care
- Only allows you to receive care from Kaiser doctors (except for emergencies)
- Requires you to designate a primary care physician and receive referrals for specialist care
- Only available to California or Georgia residents
In-Network Care: It Just Makes Cents
Health care is cheaper for you when you stay in your plan’s network. And, if you’re enrolled in the EPO or the Kaiser HMO, only in-network care is covered (except for emergencies).
Plan Comparison
Consumer Advantage with HSA
Deductible
Annual Out-of-Pocket Maximum
Cost Sharing1
$1,500 PPO
Deductible
Annual Out-of-Pocket Maximum
Cost Sharing1
1 Copays do not count toward your deductible (but do count toward your annual out-of-pocket maximum). Coinsurance only takes effect once you’ve met your deductible.
2 The ER copay is waived if you’re admitted to the hospital.
$500 PPO
Deductible
Annual Out-of-Pocket Maximum
Cost Sharing1
1 Copays do not count toward your deductible (but do count toward your annual out-of-pocket maximum). Coinsurance only takes effect once you’ve met your deductible.
2 The ER copay is waived if you’re admitted to the hospital.
EPO
Deductible
Annual Out-of-Pocket Maximum
Cost Sharing1
1 Copays do not count toward your deductible (but do count toward your annual out-of-pocket maximum). Coinsurance only takes effect once you’ve met your deductible.
2 The ER copay is waived if you’re admitted to the hospital.
Kaiser CA and GA HMO
Deductible
Annual Out-of-Pocket Maximum
Cost Sharing1
1 Copays do not count toward your deductible (but do count toward your annual out-of-pocket maximum). Coinsurance only takes effect once you’ve met your deductible.
2 The ER copay is waived if you’re admitted to the hospital.
Online care: A winning option
FanDuel employees have two valuable choices to see a doctor from the comfort of home. The best news of all? One of them is free if you’re enrolled in the $500 PPO, $1,500 PPO, or EPO plans.
