HEALTH

Medical and Prescription Drug Plans

If you work in a U.S. state other than Hawaii or in Puerto Rico, you can choose from three medical and prescription drug plans:

EssentialCare—a traditional Preferred Provider Organization (PPO) plan that uses the AmeriBen network, operated by Anthem BlueCross BlueShield.
DynamicCare—a PPO Plan that uses Surest, operated by UnitedHealthcare Choice Plus Network.
FlexCare—a High Deductible Health Plan (HDHP) with a Health Savings Account (HSA) that uses the AmeriBen network, operated by Anthem BlueCross BlueShield.

View How the Options Compare

CarelonRx provides prescription drug coverage for the AmeriBen and Surest options.

If you are enrolled in Tricare, you are eligible to enroll in Peraton’s Tricare Supplement.

Options in Certain Areas

If you live in an area where Kaiser Permanente is offered, you will also have Kaiser plan options to choose from. Kaiser is generally available in the Washington, D.C. metro area, Colorado, California, Georgia, the Northwest, and Washington state.

Hawaii employees can choose between HMSA and Kaiser.

U.S. employees with international assignments have access to the UnitedHealthcare Global plan options, including medical and dental.

If you live in Puerto Rico, you have access to the Triple S plan.

Additional Benefits for AmeriBen and Surest Members

Learn about the other benefits available to you as an AmeriBen or Surest member, including 2nd.MD (AmeriBen’s Second Opinion Service) and virtual care in the Benefits & Beyond Interactive Benefits Guide.

Real Stories. Real Peraton Employees.

Dr. Di Carlo, with 2ndMD, was extremely helpful and informative. He cleared up a lot of things I needed to know and gave me information no other doctor has provided. I am a bit less frightened about my medical situation now because of him. I can’t thank him enough for what he has done for me. Please keep this program active. It’s amazing how much it has helped me.
– Peraton Employee

NOT SURE WHICH PLAN TO CHOOSE?
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Contribution Rates

You can access contribution rates at the Benefits & Beyond Enrollment Portal, powered by bswift.

Enrollment Portal

AmeriBen Network

When you enroll in the EssentialCare or FlexCare Plans, you’ll have access to the extensive Anthem Blue Cross Blue Shield network, administered through AmeriBen. When you receive care from network providers, you will benefit from negotiated rates, which are not available on an out-of-network basis.

To see if your provider is in the Anthem Blue Cross Blue Shield network, go to anthem.com and click Find Care. Then enter the 3-digit alpha prefix (see below) based on residence, and click Search.

X5C – DC/MD/Northern VA
F4Z – Florida
G5X – Georgia
K6M – Missouri
K3P – Kansas City Only
N5P – New Jersey
P5Z – all other locations

Visit anthem.com/find-care to learn more.

DynamicCare Network

The DynamicCare Plan will give you access to a different carrier that uses an alternative network to AmeriBen. The DynamicCare Plan accesses the large, national UnitedHealthcare Choice Plus and Optum Behavioral Health networks. To see if your current doctors are in the network, from join.surest.com, select Choice Plus Provider Directory at the bottom of the page and search by your provider’s name or office location.

Visit join.surest.com to learn more.

How the Options Compare

Here are the key differences among the plans:

	EssentialCare AmeriBen PPO	DynamicCare Surest PPO	FlexCare AmeriBen HDHP
Network	AmeriBen, owned by Anthem BlueCross BlueShield	UnitedHealthcare Choice Plus	AmeriBen, owned by Anthem BlueCross BlueShield
Deductibles	Yes	No	Yes
Coinsurance	Yes	No	Yes
Copays	Yes, you have a set copay amount based on the service	Yes, but they are variable, so the amount of the copay is based on the providers you choose for the services you need	No, you always pay coinsurance, or a percentage of the cost of services
Health Care Flexible Spending Account (FSA) or Health Savings Account (HSA)?	Health Care FSA	Health Care FSA	HSA or Limited Purpose FSA

For more information on the DynamicCare Plan, including videos, frequently asked questions, and more, visit the Surest page on The Lens or join.surest.com.

Learn more

View the Benefits & Beyond Interactive Guide to learn more about your Peraton benefits.

View 2025 Benefits Guide