Your Medical, Dental & Vision Benefits

Inspire partners with Anthem BlueCross BlueShield to provide medical benefits, OptumRx to provide pharmacy benefits, Delta Dental to provide dental benefits and VSP to provide vision benefits.

Medical Benefits

Inspire offers three medical plan options through Anthem BlueCross BlueShield.

Exclusive Provider Organization (EPO) Plan might be the right fit for you if you want to pay the lowest premium, are willing to stay in-network, and pay a higher deductible. Predictable co-pays for PCP, Specialty and Urgent Care visits are available through this plan.

Health Savings Account (HSA) Plan could be a good choice if you want to pay lower premiums and are willing to pay a higher deductible when you need health care. This plan pairs with a Health Savings Account which allows for tax-deferred contributions and an employer match on contributions.

Preferred Provider Organization (PPO) Plan may be the right choice if you're willing to pay higher premiums to get more choice and flexibility when it comes to your physician and health care options.

	EPO Plan	HSA Plan	PPO Plan
Network	In-network only coverage	In-network and Out-of-network coverage	In-network and Out-of-network coverage
Spending Account Availability	Health Care FSA	Health Savings Account (HSA) with employer matching provided by Inspire	Health Care FSA
Plan Highlights	Offers in-network provider coverage for doctors and hospitals, but no out-of-network coverage (except in cases of emergency)	Offers in-network and out-of-network coverage with lower premiums and a high deductible	Offers in-network and out-of-network coverage with the highest premiums and the lowest deductible
At-a-Glance	Lowest Premiums Highest Deductible Provides copay arrangements for most visits Provides access to a Healthcare FSA account	Low Premiums Average out-of-pocket costs Provides coinsurance arrangements for most visits Provides access to a HSA account, with employer matching available ($500/$1,000)	Highest Premiums Lowest out-of-pocket costs Provides copay arrangements for most visits Provides access to a Healthcare FSA account
Prescription Drugs	$250 deductible, in addition to medical plan deductible	Applied to medical deductible; 20% after deductible met	No deductible; enrollee pays 20%
Might be right for you if...	You want to pay the lowest rates and are willing to stay in-network and pay the highest deductible when you need health care	You want lower rates and are willing to pay a higher deductible when you need health care, and would like access to an HSA plan that can be used now or for retiree medical in the future	You are willing to pay higher rates to have access to in and out-of-network providers and prefer a copay model for most visits

Sydney Health Mobile App

Anthem’s digital tools ensure that help is available whenever you need it. Whether you prefer interactive chat, hands-free voice commands, or live chat, you now have solutions that make it easier for you to focus on your unique needs and priorities.

The Sydney Health mobile app provides quick access to your health plan information. It is free to download the Sydney Health app from the App Store® or Google Play™.

You can connect more easily to the care you need through the Sydney Health mobile app or anthem.com.

Download the Sydney Health app or sign up at anthem.com to connect to the care you need.

Pharmacy Benefits

OptumRx is your pharmacy provider. There are two methods for filling your prescription drugs—at retail pharmacies or through mail-order.

If you take maintenance medications (those you use regularly), our plan includes a 90-day supply requirement. You’re allowed a limited number of 1-month refills at a retail pharmacy to get started, but after that, you may have to pay the full cost if you don’t switch to a 90-day supply. You can choose to fill a 3-month supply either through Optum Home Delivery or at a CVS Pharmacy, whatever works best for you. This option can help save you time and money.

To see the list of preventive medications covered by the plan, visit the Reference Center at InspireBrandsBenefits.com. Your pharmacy network includes thousands of retail locations, including major chains and many local pharmacies.

Dental

Inspire offers two dental plans through Delta Dental that provide both in and out-of-network coverages. By selecting an in-network provider, you are eligible for $0 deductible.

For more information, visit deltadental.com.

Vision

Inspire offers two vision plans through Vision Service Plan (VSP)—the nation’s leading provider of vision coverage. VSP offers you the added flexibility of choosing an out-of-network provider, and will reimburse you up to the amount allowed under the plan. For more information, visit vsp.com.

Open Enrollment is

October 28 - November 11, 2025

Visit Your Enrollment Site

Benefits At A Glance (Support Center and Out of Restaurant Team Members)

Benefits At A Glance (ICR Management Team Members)

Benefits At A Glance (ICR Hourly Team Members)