CoreShare and ClearProtection: Key Differences
Anthem CoreShare and Anthem ClearProtection may seem similar but there are significant differences between the plans. We have found the key differences between the two.
How are CoreShare and ClearProtection Alike?
Both are affordable healthcare plans that offer low monthly premiums with some immediate benefits such as free preventive care and the benefit of Anthem’s negotiated rate.
How the Two Plans Differ
Clear Protection
Has two deductibles: one for out-patient services and one for in-patient services. The reason for this is so that the if you were to have a medical emergency your lower in-patient deductible would kick in, so that you have peace of mind.
CoreShare
Is a cost-sharing health program set up so that you have to meet your deductible for your insurance pays toward your services. It is more of a catastrophic plan than ClearProtection.
Comparison Chart
The figures below are based on Colorado’s CoreShare and ClearProtection Plans. To learn the break down for your specific state call 800-930-7956 or visit our ClearProtection Overview Page or our CoreShare Overview Page.
| Anthem Plans | ClearProtection | CoreShare |
| Deductible In-Patient | $1,000 -$5,000 | $750 -$7,500 |
| Deductible Out-Patient | $4,500 -$8,500 | CoreShare only has one Deductible |
| Doctor’s Office Visits | $40 for first 2 visits | 50% *after deductible |
| Preventive | $0 | $0 |
| Xray and Diagnostic Services | 30% *after deductible | 50% *after deductible |
| Emergency | 30% coinsurance plus $100 ER fee *after deductible | 50% coinsurance *after deductible plus $200 ER fee **with $750 -$2,500 deductible |
| Maternity | 30% *after deductible | 50% *after deductible |
| Generic Drugs | $15 | $15 |
| Brand Name Rx Deductible | $7,500 | $2,000 |
| Brand Rx | $40/$60 Formulary/Non-Formulary *after deductible | $35 *after deductible | Specialty Rx Additional Out-of-Pocket in Addition to Rx Deductible | $2,500 | $2,500 | Specialty Rx | 25% *after deductible | 25% *after deductible |
| Out-of-Pocket Max | $4,500 -$8,500 (doubles for families) | $4,250 -$11,000 (doubles for families) *does not include facility fees for deductibles $750 -$2,500 |
Further Questions:
For any further questions about Anthem’s ClearProtection and CoreShare Plans contact Medicoverage.
Comments and Questions
Click to leave a Comment