benefit summary guide

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "benefit summary guide"

Transcription

1 benefit summary guide Group health plan information for small businesses with 1 to 50 eligible employees Effective January 1, 2014 blueshieldca.com

2 Healthcare coverage that works for your business With easy access to quality provider networks and a choice of 23 health plans in a simple, easy-tounderstand and affordable portfolio, Blue Shield is making it easier for you to choose health coverage for your employees. Inside this guide, you ll find detailed benefit charts to help you find the right Blue Shield plans for your small businesses. This guide describes the small group benefit plans available directly from Blue Shield for new and renewing customers. Blue Shield small group plans are also available through Covered California and are described in a separate guide. This guide details: The range of health plan options The specialty benefits products that complement our health plans. Legal information and a description of plan limitations and exclusions Introducing standardized levels of coverage beginning in 2014 Under the Affordable Care Act, four standardized levels of coverage are established. These are referred to as the metal levels: platinum, gold, silver and bronze. Each metal level of coverage is based on a different actuarial value*, which indicates the percentage of health costs that, for an average population, would be covered by that health plan. The actuarial value applicable to each of the four metals levels are: Platinum = 90% Gold = 80% Silver = 70% Bronze = 60% * The Department of Health & Human Services (HHS) recognizes that health plans need some flexibility in meeting the metal levels. Therefore, it finalized that a plan can meet a particular metal level if its actuarial value is within +/- 2 percentage points of the standard. For example, a silver plan may have an actuarial value between 68% and 72%. Metal Level Coverage to Blue Shield plan name key Platinum coverage = Ultimate plan Gold coverage = Preferred plan Silver coverage = Enhanced plan Bronze coverage = Basic plan For questions about the information in this guide, please contact your broker or Blue Shield representative today, or visit us online at blueshieldca.com/employer. ii Benefit Summary Guide

3 Table of contents Health plans PPO health plans PPO plans at a glance 2 Benefit summaries 4 HSA-eligible high-deductible health plans (HDHPs) HSA-HDHP plans at a glance 44 Benefit summaries 45 HMO health plans Full Network HMO and Exclusive Network HMO plans at a glance 60 Benefit summaries 63 Specialty benefits Dental PPO, INO, and HMO plans 112 Vision plans 126 Group term life (basic life) and accidental death and dismemberment (AD&D) insurance 130 General plan information Guaranteed-issue coverage 131 Principal plan limitations and exclusions 131 Maximum aggregate payment amount 133 Notice of confidentiality and privacy practices 134 Supplemental coverage Supplemental coverage at a glance 111 Additional infertility benefits 111 Benefit Summary Guide 1

4 PPO health plans The PPO plans at a glance Blue Shield PPO plans offer members the flexibility and simplicity of having direct access to the physicians and specialists in our PPO provider networks. Additional highlights include: Coverage for essential health benefits No charge for preventive care visits with participating providers Choice of accessing care from either participating or non-participating providers PPO provider networks Each Blue Shield PPO plan has a provider network associated with it, consisting of participating physicians, hospitals, and other providers. You can find out which providers are in each network by going to Find a Provider at blueshieldca.com/fap. The Basic Exclusive PPO plan for Small Business uses the Blue Shield of California Exclusive PPO Network and is available in certain California counties and cities (the service area ). The employer must be located and their eligible employees must live or work in the Exclusive PPO service area, which includes the following seven Southern California, eleven Northern California, and seven Central California counties: Southern California Imperial County Los Angeles County, except for ZIP codes 90704, 93510, 93532, 93534, 93535, 93536, 93539, 93543, 93544, 93550, 93551, 93552, 93553, 93584, 93586, 93590, 93591, and Orange County Riverside County, except for ZIP codes 92225, 92226, 92239, 92275, and San Bernardino County, except for ZIP codes 91759, 92252, 92256, 92267, 92268, 92277, 92278, 92284, 92285, 92286, 92304, 92305, 92309, 92310, 92314, 92315, 92317, 92321, 92322, 92323, 92325, 92326, 92327, 92332, 92333, 92338, 92341, 92342, 92347, 92352, 92356, 92358, 92364, 92365, 92366, 92368, 92372, 92378, 92382, 92385, 92386, 92391, 92395, 92397, 92398, 92407, 93523, 93562, and San Diego County, except for ZIP codes 91905, 91906, 91934, 91963, 91980, 91987, 92004, 92036, 92066, and Ventura County, except for ZIP codes 91307, 91358, 91359, 91360, 91361, 91362, 91377, 93020, 93021, 93040, 93042, 93062, 93063, 93064, 93065, 93094, and Northern California Alameda County Contra Costa County, except for ZIP codes 94525, 94530, 94547, 94564, 94569, 94572, 94801, 94802, 94803, 94804, 94805, 94806, 94807, 94808, 94820, and Marin County Nevada County, except for ZIP codes 95724, 95728, 95977, 96111, 96160, 96161, and Sacramento County, except for ZIP codes 95632, 95638, 95639, 95641, 95671, 95680, 95683, 95690, 95693, 95798, and San Francisco County Santa Clara County Santa Cruz County San Mateo County, except for ZIP codes 94018, 94019, 94020, 94021, 94028, 94037, 94038, 94060, and Sonoma County Yolo County Central California Butte County Fresno County Kern County, except for ZIP codes 93205, 93206, 93220, 93222, 93224, 93225, 93226, 93238, 93240, 93243, 93249, 93251, 93252, 93255, 93555, 93558, 93268, 93283, 93285, 93287, 93501, 93502, 93504, 93505, 93516, 93518, 93519, 93524, 93560, and Kings County Madera County San Luis Obispo County Stanislaus County 2 Benefit Summary Guide

5 Access to care and limitations Blue Shield PPO plans and member share-of-costs, like deductibles and copayments, vary based on the plan. Some services, like preventive care, are only covered when care is accessed from participating providers (providers contracted with Blue Shield). Preventive care is also covered prior to meeting the calendar-year medical deductible and with no member share-of-cost. Members who receive care from a Blue Shield PPO participating provider are responsible for meeting the applicable calendar-year medical deductible and copayment or coinsurance for the covered services, up to the calendar-year copayment maximum. Members who receive care from a non-participating provider are responsible for meeting the applicable calendar-year medical deductible and copayment or coinsurance for the covered services, as well as provider charges that exceed Blue Shield s allowable amount. Provider charges above Blue Shield s allowable amount do not accrue to the calendar year copayment maximum. Certain healthcare services may not be available in your area. You may be required to travel in excess of 30 minutes to access these services. Please see the General Plan Information section of this guide for information on benefit plan limitations and exclusions. The Exclusive network includes a subset of physicians, IPAs and Medical groups from our Full Network. Health plans (PPO) Supplemental Coverage specialty Products General PLan Information Benefit Summary Guide 3

6 Ultimate Full PPO for Small Business 0 Benefit Summary (For groups 1 to 50) (Uniform Health Plan Benefits and Coverage Matrix) Blue Shield of California Effective January 1, 2014 THIS MATRIX IS INTENDED TO BE USED TO HELP YOU COMPARE COVERAGE BENEFITS AND IS A SUMMARY ONLY. THE EVIDENCE OF COVERAGE AND THE PLAN CONTRACT SHOULD BE CONSULTED FOR A DETAILED DESCRIPTION OF COVERAGE BENEFITS AND LIMITATIONS. This health plan uses the Full PPO provider network. DEDUCTIBLE Participating Providers 2 Providers 2 Non-Participating Calendar Year Medical Deductible (Copayments for covered services from participating providers accrue to both the participating and non-participating provider calendar year medical deductibles.) Calendar Year Brand Drug Deductible Calendar Year Out-of-Pocket Maximum 1 (Includes the medical plan deductible. Copayments for covered services from participating providers accrue to both the participating and non-participating provider calendar year out-of-pocket maximums.) LIFETIME BENEFIT MAXIMUM Covered Services PROFESSIONAL SERVICES Professional (Physician) Benefits Physician office visits Specialist office visits A45900 (1/14) $0 per individual / $0 per family None $2,500 per individual / $5,000 per family None $0 per individual / $0 per family $5,000 per individual / $10,000 per family Member Copayment Non- Participating Participating Providers 2 Providers 2 $10 per visit 40% $25 per visit 40% 10% 40% CT scans, MRIs, MRAs, PET scans, and cardiac diagnostic procedures utilizing nuclear medicine 3 (prior authorization is required) Outpatient diagnostic X-ray and imaging 3 (non-hospital based or affiliated) 10% 40% Outpatient diagnostic laboratory and pathology 3 (non-hospital based or 10% 40% affiliated) Allergy Testing and Treatment Benefits Office visits (includes visits for allergy serum injections) 10% 40% Preventive Health Benefits Preventive health services 4 (as required by applicable federal and California law) 4 OUTPATIENT SERVICES Hospital Benefits (Facility Services) Outpatient surgery performed at an ambulatory surgery center 5 10% 40% 6 Outpatient surgery in a hospital 10% 40% 6 Outpatient services for treatment of illness or injury and necessary 10% 40% 6 supplies (except as described under "Rehabilitation Benefits") CT scans, MRIs, MRAs, PET scans, and cardiac diagnostic $100 per visit + 10% 40% 6 procedures utilizing nuclear medicine performed in a hospital 3 (prior authorization is required) Outpatient diagnostic X-ray and imaging performed in a hospital 3 10% 40% 6 Outpatient diagnostic laboratory and pathology performed in a 10% 40% 6 hospital 3 Bariatric surgery 7 (prior authorization required by the Plan; medically necessary surgery for weight loss, for morbid obesity only) 10% 40% 6 An Independent Member of the Blue Shield Association 4 Benefit Summary Guide

7 HOSPITALIZATION SERVICES Hospital Benefits (Facility Services) Inpatient physician services 10% 40% Inpatient non-emergency facility services (semi-private room and board, and 10% 40% 8 medically-necessary services and supplies, including subacute care) Bariatric surgery 7 (prior authorization required; medically necessary surgery for weight loss, for morbid obesity only) 10% 40% 8 9, 10 Skilled Nursing Facility Benefits (combined maximum of up to 100 days per benefit period; prior authorization is required; semi-private accommodations) Services from a free-standing skilled nursing facility 10% 10% Skilled nursing unit of a hospital 10% 40% 8 EMERGENCY HEALTH COVERAGE Emergency room services not resulting in admission (copayment does not $100 per visit + 10% $100 per visit + 10% apply if the member is directly admitted to the hospital for inpatient services) Emergency room services resulting in admission (when the member is 10% 10% admitted directly from the ER) Emergency room physician services 10% 10% Urgent care $10 per visit Not covered AMBULANCE SERVICES Emergency or authorized transport (ground or air) 10% 10% 11, 12, 13 PRESCRIPTION DRUG COVERAGE Participating Retail Prescriptions (up to a 30-day supply) Contraceptive drugs and devices 14 Pharmacy Medical Deductible) Non-Participating Pharmacy Generic drugs $5 per prescription Preferred brand drugs $30 per prescription Non-preferred brand drugs $50 per prescription Mail Service Prescriptions (up to a 90-day supply) Contraceptive drugs and devices 14 Generic drugs $10 per prescription Preferred brand drugs $60 per prescription Non-preferred brand drugs $100 per prescription Specialty Pharmacies (up to a 30-day supply) Specialty drugs (May require prior authorization from Blue Shield. Specialty drugs are 30% per prescription covered only when dispensed by Network Specialty Pharmacies. Drugs from nonparticipating pharmacies are not covered except in emergency and urgent situations.) PROSTHETICS/ORTHOTICS Preferred Providers 2 Non-Preferred Providers 2 Prosthetic equipment and devices (separate office visit copayment may apply) 10% Orthotic equipment and devices (separate office visit copayment may apply) 10% DURABLE MEDICAL EQUIPMENT Breast pump Other durable medical equipment 50% MENTAL HEALTH SERVICES (PSYCHIATRIC) 18 MHSA Participating Providers 2 MHSA Non-Participating Providers 2 Inpatient hospital services (prior authorization is required) 10% 40% 8 Outpatient mental health services (some services may require prior authorization and facility charges) $10 per visit 40% Health plans (PPO) Supplemental Coverage specialty Products General PLan Information Benefit Summary Guide 5

8 CHEMICAL DEPENDENCY SERVICES (SUBSTANCE ABUSE) 18 Inpatient hospital services for medical acute detoxification (prior authorization is required) Outpatient substance abuse services (some services may require prior authorization and facility charges) Pediatric Vision Benefits Comprehensive Eye Exam 19 : one per calendar year (includes dilation, if professionally indicated) Ophthalmologic - Routine ophthalmologic exam with refraction new patient (S0620) - Routine ophthalmologic exam with refraction established patient (S0621) 10% 40% 8 $10 per visit HOME HEALTH SERVICES Preferred Providers 2 Non-Preferred Providers 2 Home health care agency services 9 (up to 100 prior authorized visits per 10% 15 calendar year) Home infusion/home intravenous injectable therapy and infusion 10% 15 nursing visits provided by a home infusion agency OTHER Hospice Program Benefits Routine home care 15 Inpatient respite care hour continuous home care 15 Short-term inpatient care for pain and symptom management 15 Chiropractic Benefits 9 Chiropractic services (up to 12 visits per calendar year) 50% 1 40% 50% 1 (not subject to the Calendar Year Medical Deductible) Acupuncture Benefits Acupuncture by a licensed acupuncturist $25 per visit $25 per visit Acupuncture by a doctor of medicine $25 per visit 40% Rehabilitation Benefits Office location 10% 40% Pregnancy and Maternity Care Benefits Prenatal and preconception physician office visit: initial visit (for inpatient hospital services, see "Hospitalization Services) 40% Prenatal and preconception physician office visit: subsequent visits 10% 40% Postnatal physician office visits 10% 40% (for inpatient hospital services, see "Hospitalization Services) Family Planning Benefits 4, 16 Counseling and consulting Elective abortion 17 10% Tubal ligation 4 (not subject to the Calendar Year Medical Deductible) Vasectomy 17 10% Diabetes Care Benefits Devices, equipment, and non-testing supplies (for testing supplies see 50% outpatient prescription drug benefits.) Diabetes self-management training (if billed by the provider, member is also responsible for an office visit copayment) $10 per visit 40% Care Outside of Plan Service Area (benefits provided through the BlueCard Program for out-of-state emergency and non-emergency care are provided at the preferred level of the local Blue Plan allowable amount when you use a Blue Cross/Blue Shield provider) Within US: BlueCard Program See Applicable Benefit See Applicable Benefit Outside of US: BlueCard Worldwide See Applicable Benefit See Applicable Benefit Optional Benefits Optional dental, vision, and infertility benefits are available. If your employer purchased any of these benefits, a description of the benefit is provided separately. Up to $30 Maximum 6 Benefit Summary Guide

9 Optometric - New patient exams (92002/92004) - Established patient exams (92012/92014) Eyeglasses Lenses: one pair per calendar year - Single vision (V ) - Conventional (Lined) bifocal (V ) - Conventional (Lined) trifocal (V ) - Lenticular (V2121, V2221, V2321) Lenses include choice of glass, plastic, or polycarbonate lenses, all lens powers (single vision, bifocal, trifocal, lenticular), fashion and gradient tinting, scratch coating, oversized and glass-grey #3 prescription sunglass lenses. Up to $30 Maximum Covered up to a maximum allowance of: $25 single vision $35 lined bifocal $45 lined trifocal $45 lenticular Optional Lenses and Treatments UV coating Not covered Anti-reflective coating $35 Not covered High-index lenses $30 Not covered Photochromic lenses - plastic $25 Not covered Photochromic lenses - glass $25 Not covered Polarized lenses $45 Not covered Standard progressives $55 Not covered Premium progressives $95 Not covered Frame 20 (one frame per calendar year) Collection frames Up to $30 Maximum Contact Lenses 21 Non-Collection frames Up to $150 Maximum Up to $30 Maximum Non-Elective (Medically Necessary) Hard or soft One pair per Calendar Year Up to $225 Maximum Elective (Cosmetic/Convenience) Standard hard (V2500, V2510) One pair per Calendar Year Up to $75 Maximum Elective (Cosmetic/Convenience) Non-standard hard (V2501- V2503, V2511-V2513, V2530-V2531) Up to $75 Maximum One pair per Calendar Year Elective (Cosmetic/Convenience) Standard soft (V2520) One pair per month, up to 6 months, per Calendar Year Up to $75 Maximum Elective (Cosmetic/Convenience) Non-standard soft (V2521- V2523) Up to $75 Maximum One pair per month, up to 3 months, per Calendar Year Other Pediatric Vision Benefits Supplemental low-vision testing and equipment 22 35% Not covered Diabetes management referral Not covered 1 Amounts for services marked with this footnote that are paid by the member do not accrue to calendar year out-of-pocket maximum. Copayments, coinsurance and charges for services not accruing to the member's calendar year out-of-pocket maximum continue to be the member's responsibility after the calendar year out-of-pocket maximum is reached. Please refer to the Summary of Benefits and Evidence of Coverage for additional details. 2 Member is responsible for copayment in addition to any charges above allowable amounts. The coinsurance indicated is a percentage of allowable amounts. Participating providers accept Blue Shield s allowable amount as full payment for covered services. Non-participating providers can charge more than these amounts. When members use non-participating providers, they must pay the applicable copayment plus any amount that exceeds Blue Shield s allowable amount. Charges above the allowable amount do not count toward the calendar year deductible or out-of-pocket maximum. 3 Participating non-hospital based ("freestanding") outpatient X-ray, pathology and laboratory facilities may not be available in all areas; however the member can obtain outpatient X-ray, pathology and laboratory services from a hospital or an ambulatory surgery center affiliated with a hospital, with payment according to your health plan's hospital services benefits. 4 Preventive Health Services, including an annual preventive care or well-baby care office visit, are not subject to the calendar year medical deductible. Other covered non-preventive services received during, or in connection with, the preventive care or well-baby care office visit are subject to the calendar year medical deductible and applicable member copayment/coinsurance. 5 Participating ambulatory surgery centers may not be available in all areas; however, the member can obtain outpatient surgery services from a hospital or an ambulatory surgery center affiliated with a hospital, with payment according to the hospital services benefits. 6 The allowable amount for non-emergency surgery and services performed in a non-participating ambulatory surgery center or outpatient unit of a non-preferred hospital is $350 per day. Members are responsible for 40% of this $350 per day, plus all charges in excess of $350. Health plans (PPO) Supplemental Coverage specialty Products General PLan Information Benefit Summary Guide 7

10 7 Bariatric surgery is covered when prior authorized by Blue Shield; however, for members residing in Imperial, Kern, Los Angeles, Orange, Riverside, San Bernardino, San Diego, Santa Barbara and Ventura Counties ("Designated Counties"), bariatric surgery services are covered only when performed at designated contracting bariatric surgery facilities and by designated contracting surgeons. Coverage is not available for bariatric services from any other participating provider and there is no coverage for bariatric services from non-participating providers. In addition, if prior authorized by Blue Shield, a member in a Designated County who is required to travel more than 50 miles to a designated bariatric surgery facility will be eligible for limited reimbursement for specified travel expenses for the member and one companion. Refer to the Summary of Benefits and Evidence of Coverage for further details. 8 The allowable amount for non-emergency hospital services received from a non-participating hospital is $600 per day. Members are responsible for 40% of this $600 per day, plus all charges in excess of $600. Charges that exceed the allowable amount do not count toward the calendar year out-of-pocket maximum. 9 Services with a day or visit limit accrue to the calendar year day or visit limit maximum regardless of whether the calendar year medical deductible has been met. 10 Services may require prior authorization. When services are prior authorized, a member s share-of-cost is paid at the participating provider amount. 11 If the member or physician requests a brand drug when a generic drug equivalent is available, the member is responsible for the difference in cost between the brand drug and its generic drug equivalent, in addition to the generic drug copayment. The difference in cost that the member must pay is not applied to the calendar year medical or brand drug deductible and is not included in the calendar year out-of-pocket maximum responsibility calculation. 12 Specialty Drugs are specific drugs used to treat complex or chronic conditions, which usually require close monitoring such as multiple sclerosis, hepatitis, rheumatoid arthritis, cancers, and other conditions that are difficult to treat with traditional therapies. Specialty Drugs are listed in the Blue Shield Outpatient Drug Formulary. Specialty Drugs may be self-administered in the home by injection by the member or family member (subcutaneously or intramuscularly), by inhalation, orally or topically. Specialty Drugs may also require special handling, special manufacturing processes, and may have limited prescribing or limited pharmacy availability. Specialty Drugs must be considered safe for self-administration by Blue Shield's Pharmacy & Therapeutics Committee, be obtained from a Blue Shield Specialty Pharmacy, and may require prior authorization by Blue Shield. Infused or Intravenous (IV) medications are not considered Specialty Drugs. 13 This plan's prescription drug coverage is on average equivalent to or better than the standard benefit set by the federal government for Medicare Part D (also called creditable coverage). Because this plan's prescription drug coverage is creditable, you do not have to enroll in a Medicare prescription drug plan while you maintain this coverage. However, you should be aware that if you have a subsequent break in this coverage of 63 days or more anytime after you were first eligible to enroll in a Medicare prescription drug plan, you could be subject to a late enrollment penalty in addition to your Part D premium. 14 Contraceptive drugs and devices covered under the outpatient prescription drug benefits do not require a copayment. However, if a brand contraceptive is requested when a generic equivalent is available, the member is responsible for paying the difference between the cost to Blue Shield for the brand contraceptive and its generic drug equivalent. The difference in cost that the member must pay is not applied to the calendar year medical or brand drug deductible and is not included in the calendar year out-of-pocket maximum responsibility calculation. In addition, select contraceptives may need prior authorization to be covered without a copayment. 15 Services from non-participating providers, home health care, home infusion and hospice services are not covered unless prior authorized. When these services are prior authorized, a member s share-of-cost is paid at the participating provider amount. 16 Includes insertion of IUD as well as injectable contraceptives for women. 17 Copayment shown is for physician's services. If the procedure is performed in a facility setting (hospital or outpatient surgery center), an additional facility copayment may apply. Non-participating provider facilities are not covered under this benefit. 18 Mental health services are accessed through Blue Shield's Mental Health Service Administrator (MHSA) using Blue Shield's MHSA participating and non-participating providers. Only Mental Health services rendered by Blue Shield MHSA participating providers are administered by the Blue Shield MHSA. Mental health services rendered by non-participating providers are administered by Blue Shield. For a listing of severe mental illnesses, including serious emotional disturbances of a child, and other benefit details, please refer to the Summary of Benefits and Evidence of Coverage. Inpatient services for acute detoxification are covered under the medical benefit; see the Hospital Benefits (Facility Services) section of the Evidence of Coverage for benefit details. Services for medical acute detoxification are accessed through Blue Shield using Blue Shield's participating providers or non-participating providers. 19 The comprehensive examination benefit allowance does not include fitting and evaluation fees for contact lenses. 20 This Benefit covers Collection frames at no cost at participating independent and retail chain providers. Participating retail chain providers typically do not display the frames as Collection but are required to maintain a comparable selection of frames that are covered in full. For non-collection frames the allowable amount is up to $150; however, if (a) the Participating Provider uses wholesale pricing, then the wholesale allowable amount will be up to $99.06, or if (b) the Participating Provider uses warehouse pricing, then the warehouse allowable amount will be up to $ Participating Providers using wholesale pricing are identified in the provider directory. If frames are selected that are more expensive than the allowable amount established for this Benefit, the Member is responsible for the difference between the allowable amount and the provider s charge. 21 Contact lenses are covered in lieu of eyeglasses once per Calendar Year. See the Definitions section in the Evidence of Coverage for the definitions of Elective Contact Lenses and Non-Elective (Medically Necessary) Contact Lenses. A report from the provider and prior authorization from the Vision Plan Administrator (VPA) is required. 22 A report from the provider and prior authorization from the contracted VPA is required. Plan designs may be modified to ensure compliance with state and federal requirements. This plan is pending regulatory approval. 8 Benefit Summary Guide

11 Ultimate Full PPO for Small Business 150 Benefit Summary (For groups 1 to 50) (Uniform Health Plan Benefits and Coverage Matrix) Blue Shield of California Effective January 1, 2014 THIS MATRIX IS INTENDED TO BE USED TO HELP YOU COMPARE COVERAGE BENEFITS AND IS A SUMMARY ONLY. THE EVIDENCE OF COVERAGE AND THE PLAN CONTRACT SHOULD BE CONSULTED FOR A DETAILED DESCRIPTION OF COVERAGE BENEFITS AND LIMITATIONS. This health plan uses the Full PPO provider network. DEDUCTIBLE Participating Providers 2 Providers 2 Non-Participating Calendar Year Medical Deductible (Copayments for covered services from participating providers accrue to both the participating and non-participating provider calendar year medical deductibles.) Calendar Year Brand Drug Deductible Calendar Year Out-of-Pocket Maximum 1 (Includes the medical plan deductible. Copayments for covered services from participating providers accrue to both the participating and non-participating provider calendar year out-of-pocket maximums.) LIFETIME BENEFIT MAXIMUM Covered Services PROFESSIONAL SERVICES Professional (Physician) Benefits Physician office visits Specialist office visits A45901 (1/14) $150 per individual / $300 per family None $3,000 per individual / $6,000 per family None $300 per individual / $600 per family $8,000 per individual / $16,000 per family Member Copayment Non- Participating Participating Providers 2 Providers 2 $15 per visit 40% $30 per visit 40% 10% 40% CT scans, MRIs, MRAs, PET scans, and cardiac diagnostic procedures utilizing nuclear medicine 3 (prior authorization is required) Outpatient diagnostic X-ray and imaging 3 (non-hospital based or affiliated) 10% 40% Outpatient diagnostic laboratory and pathology 3 (non-hospital based or 10% 40% affiliated) Allergy Testing and Treatment Benefits Office visits (includes visits for allergy serum injections) 10% 40% Preventive Health Benefits Preventive health services 4 (as required by applicable federal and California law) 4 OUTPATIENT SERVICES Hospital Benefits (Facility Services) Outpatient surgery performed at an ambulatory surgery center 5 10% 40% 6 Outpatient surgery in a hospital 10% 40% 6 Outpatient services for treatment of illness or injury and necessary 10% 40% 6 supplies (except as described under "Rehabilitation Benefits") CT scans, MRIs, MRAs, PET scans, and cardiac diagnostic $100 per visit + 10% 40% 6 procedures utilizing nuclear medicine performed in a hospital 3 (prior authorization is required) Outpatient diagnostic X-ray and imaging performed in a hospital 3 10% 40% 6 Outpatient diagnostic laboratory and pathology performed in a 10% 40% 6 hospital 3 Bariatric surgery 7 (prior authorization required by the Plan; medically necessary surgery for weight loss, for morbid obesity only) 10% 40% 6 An Independent Member of the Blue Shield Association Health plans (PPO) Supplemental Coverage specialty Products General PLan Information Benefit Summary Guide 9

12 HOSPITALIZATION SERVICES Hospital Benefits (Facility Services) Inpatient physician services 10% 40% Inpatient non-emergency facility services (semi-private room and board, and 10% 40% 8 medically-necessary services and supplies, including subacute care) Bariatric surgery 7 (prior authorization required; medically necessary surgery for weight 10% 40% 8 loss, for morbid obesity only) 9, 10 Skilled Nursing Facility Benefits (combined maximum of up to 100 days per benefit period; prior authorization is required; semi-private accommodations) Services from a free-standing skilled nursing facility 10% 10% Skilled nursing unit of a hospital 10% 40% 8 EMERGENCY HEALTH COVERAGE Emergency room services not resulting in admission (copayment does not $100 per visit + 10% $100 per visit + 10% apply if the member is directly admitted to the hospital for inpatient services) Emergency room services resulting in admission (when the member is 10% 10% admitted directly from the ER) Emergency room physician services 10% 10% Urgent care $15 per visit Not covered AMBULANCE SERVICES Emergency or authorized transport (ground or air) 10% 10% 11, 12, 13 PRESCRIPTION DRUG COVERAGE Participating Retail Prescriptions (up to a 30-day supply) Contraceptive drugs and devices 14 Pharmacy Medical Deductible) Non-Participating Pharmacy Generic drugs $5 per prescription Preferred brand drugs $30 per prescription Non-preferred brand drugs $50 per prescription Mail Service Prescriptions (up to a 90-day supply) Contraceptive drugs and devices 14 Generic drugs $10 per prescription Preferred brand drugs $60 per prescription Non-preferred brand drugs $100 per prescription Specialty Pharmacies (up to a 30-day supply) Specialty drugs (May require prior authorization from Blue Shield. Specialty drugs are 30% per prescription covered only when dispensed by Network Specialty Pharmacies. Drugs from nonparticipating pharmacies are not covered except in emergency and urgent situations.) PROSTHETICS/ORTHOTICS Preferred Providers 2 Non-Preferred Providers 2 Prosthetic equipment and devices (separate office visit copayment may apply) 10% Orthotic equipment and devices (separate office visit copayment may apply) 10% DURABLE MEDICAL EQUIPMENT Breast pump Other durable medical equipment 50% MENTAL HEALTH SERVICES (PSYCHIATRIC) 18 MHSA Participating Providers 2 MHSA Non-Participating Providers 2 Inpatient hospital services (prior authorization is required) 10% 40% 8 Outpatient mental health services (some services may require prior authorization and facility charges) $15 per visit 40% 10 Benefit Summary Guide

13 CHEMICAL DEPENDENCY SERVICES (SUBSTANCE ABUSE) 18 Inpatient hospital services for medical acute detoxification (prior authorization is required) Outpatient substance abuse services (some services may require prior authorization and facility charges) Pediatric Vision Benefits Comprehensive Eye Exam 19 : one per calendar year (includes dilation, if professionally indicated) Ophthalmologic - Routine ophthalmologic exam with refraction new patient (S0620) - Routine ophthalmologic exam with refraction established patient (S0621) 10% 40% 8 $15 per visit HOME HEALTH SERVICES Preferred Providers 2 Non-Preferred Providers 2 Home health care agency services 9 (up to 100 prior authorized visits per 10% 15 calendar year) Home infusion/home intravenous injectable therapy and infusion 10% 15 nursing visits provided by a home infusion agency OTHER Hospice Program Benefits Routine home care 15 Inpatient respite care hour continuous home care 15 Short-term inpatient care for pain and symptom management 15 Chiropractic Benefits 9 Chiropractic services (up to 12 visits per calendar year) 50% 1 40% 50% 1 (not subject to the Calendar Year Medical Deductible) Acupuncture Benefits Acupuncture by a licensed acupuncturist $25 per visit $25 per visit Acupuncture by a doctor of medicine $25 per visit 40% Rehabilitation Benefits Office location 10% 40% Pregnancy and Maternity Care Benefits Prenatal and preconception physician office visit: initial visit (for inpatient hospital services, see "Hospitalization Services 40% Prenatal and preconception physician office visit: subsequent visits 10% 40% Postnatal physician office visits 10% 40% (for inpatient hospital services, see "Hospitalization Services) Family Planning Benefits 4, 16 Counseling and consulting Elective abortion 17 10% Tubal ligation 4 (not subject to the Calendar Year Medical Deductible) Vasectomy 17 10% Diabetes Care Benefits Devices, equipment, and non-testing supplies (for testing supplies see 50% outpatient prescription drug benefits.) Diabetes self-management training (if billed by the provider, member is also responsible for an office visit copayment) $15 per visit 40% Care Outside of Plan Service Area (benefits provided through the BlueCard Program for out-of-state emergency and non-emergency care are provided at the preferred level of the local Blue Plan allowable amount when you use a Blue Cross/Blue Shield provider) Within US: BlueCard Program See Applicable Benefit See Applicable Benefit Outside of US: BlueCard Worldwide See Applicable Benefit See Applicable Benefit Optional Benefits Optional dental, vision, and infertility benefits are available. If your employer purchased any of these benefits, a description of the benefit is provided separately. Up to $30 Maximum Health plans (PPO) Supplemental Coverage specialty Products General PLan Information Benefit Summary Guide 11

14 Optometric - New patient exams (92002/92004) - Established patient exams (92012/92014) Eyeglasses Lenses: one pair per calendar year - Single vision (V ) - Conventional (Lined) bifocal (V ) - Conventional (Lined) trifocal (V ) - Lenticular (V2121, V2221, V2321) Lenses include choice of glass, plastic, or polycarbonate lenses, all lens powers (single vision, bifocal, trifocal, lenticular), fashion and gradient tinting, scratch coating, oversized and glass-grey #3 prescription sunglass lenses. Up to $30 Maximum Covered up to a maximum allowance of: $25 single vision $35 lined bifocal $45 lined trifocal $45 lenticular Optional Lenses and Treatments UV coating Not covered Anti-reflective coating $35 Not covered High-index lenses $30 Not covered Photochromic lenses - plastic $25 Not covered Photochromic lenses - glass $25 Not covered Polarized lenses $45 Not covered Standard progressives $55 Not covered Premium progressives $95 Not covered Frame 20 (one frame per calendar year) Collection frames Up to $30 Maximum Contact Lenses 21 Non-Collection frames Up to $150 Maximum Up to $30 Maximum Non-Elective (Medically Necessary) Hard or soft One pair per Calendar Year Up to $225 Maximum Elective (Cosmetic/Convenience) Standard hard (V2500, V2510) One pair per Calendar Year Up to $75 Maximum Elective (Cosmetic/Convenience) Non-standard hard (V2501- V2503, V2511-V2513, V2530-V2531) Up to $75 Maximum One pair per Calendar Year Elective (Cosmetic/Convenience) Standard soft (V2520) One pair per month, up to 6 months, per Calendar Year Up to $75 Maximum Elective (Cosmetic/Convenience) Non-standard soft (V2521- V2523) Up to $75 Maximum One pair per month, up to 3 months, per Calendar Year Other Pediatric Vision Benefits Supplemental low-vision testing and equipment 22 35% Not covered Diabetes management referral Not covered 1 Amounts for services marked with this footnote that are paid by the member do not accrue to calendar year out-of-pocket maximum. Copayments, coinsurance and charges for services not accruing to the member's calendar year out-of-pocket maximum continue to be the member's responsibility after the calendar year out-of-pocket maximum is reached. Please refer to the Summary of Benefits and Evidence of Coverage for additional details. 2 Member is responsible for copayment in addition to any charges above allowable amounts. The coinsurance indicated is a percentage of allowable amounts. Participating providers accept Blue Shield s allowable amount as full payment for covered services. Non-participating providers can charge more than these amounts. When members use non-participating providers, they must pay the applicable copayment plus any amount that exceeds Blue Shield s allowable amount. Charges above the allowable amount do not count toward the calendar year deductible or out-of-pocket maximum. 3 Participating non-hospital based ("freestanding") outpatient X-ray, pathology and laboratory facilities may not be available in all areas; however the member can obtain outpatient X-ray, pathology and laboratory services from a hospital or an ambulatory surgery center affiliated with a hospital, with payment according to your health plan's hospital services benefits. 4 Preventive Health Services, including an annual preventive care or well-baby care office visit, are not subject to the calendar year medical deductible. Other covered non-preventive services received during, or in connection with, the preventive care or well-baby care office visit are subject to the calendar year medical deductible and applicable member copayment/coinsurance. 5 Participating ambulatory surgery centers may not be available in all areas; however, the member can obtain outpatient surgery services from a hospital or an ambulatory surgery center affiliated with a hospital, with payment according to the hospital services benefits. 6 The allowable amount for non-emergency surgery and services performed in a non-participating ambulatory surgery center or outpatient unit of a non-preferred hospital is $350 per day. Members are responsible for 40% of this $350 per day, plus all charges in excess of $ Benefit Summary Guide

15 7 Bariatric surgery is covered when prior authorized by Blue Shield; however, for members residing in Imperial, Kern, Los Angeles, Orange, Riverside, San Bernardino, San Diego, Santa Barbara and Ventura Counties ("Designated Counties"), bariatric surgery services are covered only when performed at designated contracting bariatric surgery facilities and by designated contracting surgeons. Coverage is not available for bariatric services from any other participating provider and there is no coverage for bariatric services from non-participating providers. In addition, if prior authorized by Blue Shield, a member in a Designated County who is required to travel more than 50 miles to a designated bariatric surgery facility will be eligible for limited reimbursement for specified travel expenses for the member and one companion. Refer to the Summary of Benefits and Evidence of Coverage for further details. 8 The allowable amount for non-emergency hospital services received from a non-participating hospital is $600 per day. Members are responsible for 40% of this $600 per day, plus all charges in excess of $600. Charges that exceed the allowable amount do not count toward the calendar year out-of-pocket maximum. 9 Services with a day or visit limit accrue to the calendar year day or visit limit maximum regardless of whether the calendar year medical deductible has been met. 10 Services may require prior authorization. When services are prior authorized, a member s share-of-cost is paid at the participating provider amount. 11 If the member or physician requests a brand drug when a generic drug equivalent is available, the member is responsible for the difference in cost between the brand drug and its generic drug equivalent, in addition to the generic drug copayment. The difference in cost that the member must pay is not applied to the calendar year medical or brand drug deductible and is not included in the calendar year out-of-pocket maximum responsibility calculation. 12 Specialty Drugs are specific drugs used to treat complex or chronic conditions, which usually require close monitoring such as multiple sclerosis, hepatitis, rheumatoid arthritis, cancers, and other conditions that are difficult to treat with traditional therapies. Specialty Drugs are listed in the Blue Shield Outpatient Drug Formulary. Specialty Drugs may be self-administered in the home by injection by the member or family member (subcutaneously or intramuscularly), by inhalation, orally or topically. Specialty Drugs may also require special handling, special manufacturing processes, and may have limited prescribing or limited pharmacy availability. Specialty Drugs must be considered safe for self-administration by Blue Shield's Pharmacy & Therapeutics Committee, be obtained from a Blue Shield Specialty Pharmacy, and may require prior authorization by Blue Shield. Infused or Intravenous (IV) medications are not considered Specialty Drugs. 13 This plan's prescription drug coverage is on average equivalent to or better than the standard benefit set by the federal government for Medicare Part D (also called creditable coverage). Because this plan's prescription drug coverage is creditable, you do not have to enroll in a Medicare prescription drug plan while you maintain this coverage. However, you should be aware that if you have a subsequent break in this coverage of 63 days or more anytime after you were first eligible to enroll in a Medicare prescription drug plan, you could be subject to a late enrollment penalty in addition to your Part D premium. 14 Contraceptive drugs and devices covered under the outpatient prescription drug benefits do not require a copayment. However, if a brand contraceptive is requested when a generic equivalent is available, the member is responsible for paying the difference between the cost to Blue Shield for the brand contraceptive and its generic drug equivalent. The difference in cost that the member must pay is not applied to the calendar year medical or brand drug deductible and is not included in the calendar year out-of-pocket maximum responsibility calculation. In addition, select contraceptives may need prior authorization to be covered without a copayment. 15 Services from non-participating providers, home health care, home infusion and hospice services are not covered unless prior authorized. When these services are prior authorized, a member s share-of-cost is paid at the participating provider amount. 16 Includes insertion of IUD as well as injectable contraceptives for women. 17 Copayment shown is for physician's services. If the procedure is performed in a facility setting (hospital or outpatient surgery center), an additional facility copayment may apply. Non-participating provider facilities are not covered under this benefit. 18 Mental health services are accessed through Blue Shield's Mental Health Service Administrator (MHSA) using Blue Shield's MHSA participating and non-participating providers. Only Mental Health services rendered by Blue Shield MHSA participating providers are administered by the Blue Shield MHSA. Mental health services rendered by non-participating providers are administered by Blue Shield. For a listing of severe mental illnesses, including serious emotional disturbances of a child, and other benefit details, please refer to the Summary of Benefits and Evidence of Coverage. Inpatient services for acute detoxification are covered under the medical benefit; see the Hospital Benefits (Facility Services) section of the Evidence of Coverage for benefit details. Services for medical acute detoxification are accessed through Blue Shield using Blue Shield's participating providers or non-participating providers. 19 The comprehensive examination benefit allowance does not include fitting and evaluation fees for contact lenses. 20 This Benefit covers Collection frames at no cost at participating independent and retail chain providers. Participating retail chain providers typically do not display the frames as Collection but are required to maintain a comparable selection of frames that are covered in full. For non-collection frames the allowable amount is up to $150; however, if (a) the Participating Provider uses wholesale pricing, then the wholesale allowable amount will be up to $99.06, or if (b) the Participating Provider uses warehouse pricing, then the warehouse allowable amount will be up to $ Participating Providers using wholesale pricing are identified in the provider directory. If frames are selected that are more expensive than the allowable amount established for this Benefit, the Member is responsible for the difference between the allowable amount and the provider s charge. 21 Contact lenses are covered in lieu of eyeglasses once per Calendar Year. See the Definitions section in the Evidence of Coverage for the definitions of Elective Contact Lenses and Non-Elective (Medically Necessary) Contact Lenses. A report from the provider and prior authorization from the Vision Plan Administrator (VPA) is required. 22 A report from the provider and prior authorization from the contracted VPA is required. Plan designs may be modified to ensure compliance with state and federal requirements. This plan is pending regulatory approval. Health plans (PPO) Supplemental Coverage specialty Products General PLan Information Benefit Summary Guide 13

16 Preferred Full PPO for Small Business 0 Benefit Summary (For groups 1 to 50) (Uniform Health Plan Benefits and Coverage Matrix) Blue Shield of California Effective January 1, 2014 THIS MATRIX IS INTENDED TO BE USED TO HELP YOU COMPARE COVERAGE BENEFITS AND IS A SUMMARY ONLY. THE EVIDENCE OF COVERAGE AND THE PLAN CONTRACT SHOULD BE CONSULTED FOR A DETAILED DESCRIPTION OF COVERAGE BENEFITS AND LIMITATIONS. This health plan uses the Full PPO provider network. DEDUCTIBLE Participating Providers 2 Providers 2 Non-Participating Calendar Year Medical Deductible (Copayments for covered services from participating providers accrue to both the participating and non-participating provider calendar year medical deductibles.) Calendar Year Brand Drug Deductible Calendar Year Out-of-Pocket Maximum 1 (Includes the medical plan deductible. Copayments for covered services from participating providers accrue to both the participating and non-participating provider calendar year out-of-pocket maximums.) LIFETIME BENEFIT MAXIMUM Covered Services PROFESSIONAL SERVICES Professional (Physician) Benefits Physician office visits Specialist office visits A45903 (1/14) $0 per individual / $0 per family None $5,000 per individual / $10,000 per family None $0 per individual / $0 per family $10,000 per individual / $20,000 per family Member Copayment Non-Participating Participating Providers 2 Providers 2 $20 per visit 40% $45 per visit 40% 25% 40% CT scans, MRIs, MRAs, PET scans, and cardiac diagnostic procedures utilizing nuclear medicine 3 (prior authorization is required) Outpatient diagnostic X-ray and imaging 3 (non-hospital based or affiliated) 25% 40% Outpatient diagnostic laboratory and pathology 3 25% 40% (non-hospital based or affiliated) Allergy Testing and Treatment Benefits Office visits (includes visits for allergy serum injections) 25% 40% Preventive Health Benefits Preventive health services 4 (as required by applicable federal and California law) 4 OUTPATIENT SERVICES Hospital Benefits (Facility Services) Outpatient surgery performed at an ambulatory surgery center 5 25% 40% 6 Outpatient surgery in a hospital 25% 40% 6 Outpatient services for treatment of illness or injury and necessary 25% 40% 6 supplies (except as described under "Rehabilitation Benefits") CT scans, MRIs, MRAs, PET scans, and cardiac diagnostic $100 per visit + 25% 40% 6 procedures utilizing nuclear medicine performed in a hospital 3 (prior authorization is required) Outpatient diagnostic X-ray and imaging performed in a hospital 3 25% 40% 6 Outpatient diagnostic laboratory and pathology performed in a 25% 40% 6 hospital 3 Bariatric surgery 7 (prior authorization required by the Plan; medically necessary surgery for weight loss, for morbid obesity only) 25% 40% 6 An Independent Member of the Blue Shield Association 14 Benefit Summary Guide

Ultimate Full PPO for Small Business 0 Benefit Summary (For groups 1 to 50) (Uniform Health Plan Benefits and Coverage Matrix)

Ultimate Full PPO for Small Business 0 Benefit Summary (For groups 1 to 50) (Uniform Health Plan Benefits and Coverage Matrix) Ultimate Full PPO for Small Business 0 Benefit Summary (For groups 1 to 50) (Uniform Health Plan Benefits and Coverage Matrix) Blue Shield of California Effective January 1, 2014 THIS MATRIX IS INTENDED

More information

County of San Bernardino - Retiree Shield Signature High Option

County of San Bernardino - Retiree Shield Signature High Option An Independent Member of the Blue Shield Association County of San Bernardino - Retiree Shield Signature High Option Benefit Summary (Uniform Health Plan Benefits and Coverage Matrix) Blue Shield of California

More information

CSAC/EIA Health Small Group Access+ HMO 15-0 Inpatient Benefit Summary

CSAC/EIA Health Small Group Access+ HMO 15-0 Inpatient Benefit Summary CSAC/EIA Health Small Group Access+ HMO 15-0 Inpatient Benefit Summary (Uniform Health Plan Benefits and Coverage Matrix) Blue Shield of California THIS MATRIX IS INTENDED TO BE USED TO HELP YOU COMPARE

More information

Vital Shield 2900. blueshieldca.com. New! Protect yourself with our lowest-priced PPO plan for individuals.

Vital Shield 2900. blueshieldca.com. New! Protect yourself with our lowest-priced PPO plan for individuals. Underwritten by Blue Shield of California Life & Health Insurance Company. Pending regulatory approval. Plan benefits are effective June 1, 2007. New! Protect yourself with our lowest-priced PPO plan for

More information

Benefit Summary Guide Health plan information for individuals & families

Benefit Summary Guide Health plan information for individuals & families Effective: January 1, 2015 Benefit Summary Guide Health plan information for individuals & families PPO Healthcare coverage that fits your needs We offer a range of health plans to choose from, with easy

More information

SISC Custom SaveNet Zero Admit 10 Benefit Summary (Uniform Health Plan Benefits and Coverage Matrix)

SISC Custom SaveNet Zero Admit 10 Benefit Summary (Uniform Health Plan Benefits and Coverage Matrix) SISC Custom SaveNet Zero Admit 10 Benefit Summary (Uniform Health Plan Benefits and Coverage Matrix) Blue Shield of California Highlights: A description of the prescription drug coverage is provided separately

More information

No Charge (Except as described under "Rehabilitation Benefits" and "Speech Therapy Benefits")

No Charge (Except as described under Rehabilitation Benefits and Speech Therapy Benefits) An Independent Licensee of the Blue Shield Association Custom Access+ HMO Plan Certificated & Management Benefit Summary (For groups of 300 and above) (Uniform Health Plan Benefits and Coverage Matrix)

More information

2015 OPEN ENROLLMENT MEDICAL PLANS

2015 OPEN ENROLLMENT MEDICAL PLANS 2015 OPEN ENROLLMENT MEDICAL PLANS Table of Contents Section I. Enrollment Guidelines Page 3 Health Plan Comparison Chart Page 4 Health Plan Premiums and Employee Cost-Sharing Page 5 Section II. Blue Shield

More information

go with ^ Health Savings PPO plan (paired with the Health Savings Account) Core plan (administered by Blue Shield of California)

go with ^ Health Savings PPO plan (paired with the Health Savings Account) Core plan (administered by Blue Shield of California) go with ^ Health Savings PPO plan (paired with the Health Savings Account) Core plan (administered by Blue Shield of California) Effective January 1, 2014 Go with the plan that s right for you When you

More information

Benefit Summary Guide Health plan information for individuals & families

Benefit Summary Guide Health plan information for individuals & families Effective: January 1, 2015 Summary Guide Health plan information for individuals & families American Indian Alaska Native Healthcare coverage that fits your needs We offer a range of American Indian -

More information

MyHPN Solutions HMO Silver 4

MyHPN Solutions HMO Silver 4 MyHPN Solutions HMO Silver 4 Attachment A Schedule Calendar Year Deductible (CYD): $2,250 of EME per Member and $4,500 of EME per family. The Calendar Year Out of Pocket Maximum includes the CYD and is

More information

S c h o o l s I n s u r a n c e G r o u p Health Net Plan Comparison Fiscal Year 7/1/14-6/30/15

S c h o o l s I n s u r a n c e G r o u p Health Net Plan Comparison Fiscal Year 7/1/14-6/30/15 S c h o o l s I n s u r a n c e G r o u p Health Net Plan Comparison Fiscal Year 7/1/14-6/30/15 This information sheet is for reference only. Please refer to Evidence of Coverage requirements, limitations

More information

S c h o o l s I n s u r a n c e G r o u p Health Net Plan Comparison Fiscal Year 7/1/15-6/30/16

S c h o o l s I n s u r a n c e G r o u p Health Net Plan Comparison Fiscal Year 7/1/15-6/30/16 S c h o o l s I n s u r a n c e G r o u p Health Net Plan Comparison Fiscal Year 7/1/15-6/30/16 This information sheet is for reference only. Please refer to Evidence of Coverage requirements, limitations

More information

Find the plan that s right for you

Find the plan that s right for you Take a glance at what our plans have to offer Plans at a glance for s and families Effective January 1, 2014 Find the plan that s right for you Our easy-to-understand plans offer comprehensive benefits

More information

Health Choice Essential Gold Standard Gold Off Exchange Plan Network: Health Choice Essential Type of Coverage: HMO

Health Choice Essential Gold Standard Gold Off Exchange Plan Network: Health Choice Essential Type of Coverage: HMO Subscriber ID: [XXXXXXX] Health Choice Essential Gold Standard Gold Off Exchange Plan Network: Health Choice Essential Type of Coverage: HMO EOC Effective Date: [XX/XX/XXXX] Subscriber: [Subscriber Name]

More information

Important Questions Answers Why this Matters: What is the overall deductible? Are there other deductibles for specific services?

Important Questions Answers Why this Matters: What is the overall deductible? Are there other deductibles for specific services? Gold 80 PPO Network Name: Exclusive Coverage Period: Beginning on or after 1/1/2015 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Individual + Family Plan Type:

More information

Important Questions Answers Why this Matters:

Important Questions Answers Why this Matters: Minimum Coverage PPO Network Name: Exclusive Coverage Period: Beginning on or after 1/1/2015 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Individual + Family Plan

More information

Individual and Family Plans

Individual and Family Plans Effective: January 1, 2015 Individual and Family Plans find a plan that fits you live by your own plan a plan for your life Everyone s needs are unique, and it s important to find a plan that best fits

More information

Outline of Coverage SmartHealth Balance Gold 1000

Outline of Coverage SmartHealth Balance Gold 1000 Outline of Coverage SmartHealth Balance Gold 1000 This outline of coverage provides a very brief description of the important features of the policy. Please note this outline is not intended to be part

More information

Summary of Services and Cost Shares

Summary of Services and Cost Shares Summary of Services and Cost Shares This summary does not describe benefits. For the description of a benefit, including any limitations or exclusions, please refer to the identical heading in the Benefits

More information

UC Care Plan. Benefit Booklet. University of California. Group Number: W0051612 Plan ID: PPOX0001 Effective Date: January 1, 2016

UC Care Plan. Benefit Booklet. University of California. Group Number: W0051612 Plan ID: PPOX0001 Effective Date: January 1, 2016 UC Care Plan Benefit Booklet University of California Group Number: W0051612 Plan ID: PPOX0001 Effective Date: January 1, 2016 An independent member of the Blue Shield Association Claims Administered by

More information

What is the overall deductible? Are there other deductibles for specific services? Is there an out-ofpocket

What is the overall deductible? Are there other deductibles for specific services? Is there an out-ofpocket Regence BlueShield: Regence Direct Gold with Dental, Vision, Individual Assistance Program Coverage Period: Beginning on or after 01/01/2014 Summary of Benefits and Coverage: What this Plan Covers & What

More information

Important Questions Answers Why this Matters:

Important Questions Answers Why this Matters: BridgeSpan Health Company: Exchange Silver Coverage Period: Beginning on or after 01/01/2014 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Individual & Eligible

More information

Your Plan: Anthem Silver HMO 1500/30%/6550 Your Network: California Care HMO

Your Plan: Anthem Silver HMO 1500/30%/6550 Your Network: California Care HMO Your Plan: Anthem Silver HMO 1500/30%/6550 Your Network: California Care HMO This summary of benefits is a brief outline of coverage, designed to help you with the selection process. This summary does

More information

Small group and CalChoice benefit comparison

Small group and CalChoice benefit comparison Small group and CalChoice benefit comparison effective July 1, 2015 We believe in choice. A guide to choosing the right plan for your business US health plan 1 San Diegans choose Sharp Health Plan With

More information

Your Plan: Anthem Bronze PPO 5500/30%/6450 w/hsa Your Network: Prudent Buyer PPO

Your Plan: Anthem Bronze PPO 5500/30%/6450 w/hsa Your Network: Prudent Buyer PPO Your Plan: Anthem Bronze PPO 5500/30%/6450 w/hsa Your Network: Prudent Buyer PPO This summary of benefits is a brief outline of coverage, designed to help you with the selection process. This summary does

More information

Western Health Advantage: City of Sacramento HSA ABHP Coverage Period: 1/1/2016-12/31/2016

Western Health Advantage: City of Sacramento HSA ABHP Coverage Period: 1/1/2016-12/31/2016 Coverage For: Self Plan Type: HMO This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.westernhealth.com or

More information

Coverage for: Large Group Plan Type: HMO

Coverage for: Large Group Plan Type: HMO Summary of Benefits and Coverage: What this Plan Covers & What it Costs This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan

More information

What is the overall deductible? Are there other deductibles for specific services?

What is the overall deductible? Are there other deductibles for specific services? : MyPriority POS RxPlus Silver 1800 Coverage Period: Beginning on or after 01/01/2015 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Subscriber/Dependent Plan Type:

More information

Coventry Health Care of Missouri

Coventry Health Care of Missouri Small Group PPO Schedule of Benefits: Coventry Health Care of Missouri Plan ID#: Platinum Carelink from Coventry A000-14 (# ) This Schedule of Benefits summarizes Your obligation towards the cost of certain

More information

$0 See the chart starting on page 2 for your costs for services this plan covers. Are there other. deductibles for specific No.

$0 See the chart starting on page 2 for your costs for services this plan covers. Are there other. deductibles for specific No. This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at capbluecross.com or by calling 1-800-730-7219. Important

More information

California Ironworkers Field Welfare Plan 1/1/2014 Open Enrollment Benefit Plan Comparison Non-Medicare Retired Participants Residing in Nevada

California Ironworkers Field Welfare Plan 1/1/2014 Open Enrollment Benefit Plan Comparison Non-Medicare Retired Participants Residing in Nevada Non- Choice of Providers Calendar Year Deductible *The Fund s Calendar Year Deductible is never waived. However, some services are not subject to the Deductible. If you live in Nevada, your network of

More information

Healthy Benefits PPO 6000.0 - Zero Cost Sharing Plan Variation Coverage Period: Beginning on or after 1/1/2014 Summary of Benefits and Coverage:

Healthy Benefits PPO 6000.0 - Zero Cost Sharing Plan Variation Coverage Period: Beginning on or after 1/1/2014 Summary of Benefits and Coverage: This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at capbluecross.com or by calling 1-800-730-7219. Important

More information

Shield Savings 3500 - G. Blue Shield of California Life & Health Insurance Company

Shield Savings 3500 - G. Blue Shield of California Life & Health Insurance Company Shield Savings 3500 - G Blue Shield of California Life & Health Insurance Company Policy Individual and Family Plan An independent licensee of the Blue Shield Association (Intentionally left blank) Shield

More information

Regence BlueCross BlueShield of Utah: Regence Direct Silver HSA

Regence BlueCross BlueShield of Utah: Regence Direct Silver HSA Regence BlueCross BlueShield of Utah: Regence Direct Silver HSA Coverage Period: 01/01/2015-12/31/2015 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Individual &

More information

Important Questions Answers Why this Matters:

Important Questions Answers Why this Matters: Bronze 60 EPO - Network Name: EPO Coverage Period: Beginning on or after 1/1/2015 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Individual + Family Plan Type: EPO

More information

In-network: $5,000 per insured/ $10,000 per family per calendar year. Out-of-network: $10,000 per insured / $20,000

In-network: $5,000 per insured/ $10,000 per family per calendar year. Out-of-network: $10,000 per insured / $20,000 Regence BlueShield of Idaho: Coverage Period: Beginning on or after 01/01/2014 Regence Individual Direct Bronze HSA Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for:

More information

Healthy Benefits HMO 6850.0

Healthy Benefits HMO 6850.0 Coverage Period: Beginning on or after 1/1/2016 This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at https://www.capbluecross.com/sbcsia

More information

Blue Shield of California Life & Health Insurance Company

Blue Shield of California Life & Health Insurance Company Active Start SM Plan 25 - G Blue Shield of California Life & Health Insurance Company Policy Individual Plan An independent licensee of the Blue Shield Association (Intentionally left blank) Active Start

More information

Medicare Options For Retiree/Direct Bill Members

Medicare Options For Retiree/Direct Bill Members Open Enrollment 2014 State Employee Health Plan Medicare Options For Retiree/Direct Bill Members Comparison Chart 2 2013 **Cover photo is titled Road into the Field from the Postcards from Kansas collection

More information

Summary of PNM Resources Health Care Benefits Active Employees 2011

Summary of PNM Resources Health Care Benefits Active Employees 2011 of PNM Resources Health Care Benefits Active Employees 2011 The following charts show deductibles, limits, benefit levels and amounts for the PNM Resources medical, dental and vision programs. For more

More information

BlueSelect Silver ValueTwo for Individuals

BlueSelect Silver ValueTwo for Individuals BlueSelect Silver ValueTwo for Individuals Coverage Period: 1/1/2015-12/31/2015 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Single Plan Type: PPO This is only

More information

$0 See the chart starting on page 2 for your costs for services this plan covers. Are there other deductibles for specific

$0 See the chart starting on page 2 for your costs for services this plan covers. Are there other deductibles for specific This is only a summary. If you want more detail about your medical coverage and costs, you can get the complete terms in the policy or plan document at www.teamsters-hma.com or by calling 1-866-331-5913.

More information

Anthem Blue Cross Preferred Provider Organization (PPO)

Anthem Blue Cross Preferred Provider Organization (PPO) Anthem Blue Cross Preferred Provider Organization (PPO) 1-877-687-0549 Call Monday through Friday from 8:30 a.m. to 7:00 p.m. Plan Highlights Medical Services at Discounted Rates Anthem Blue Cross has

More information

Important Questions Answers Why this Matters:

Important Questions Answers Why this Matters: This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the Summary Plan Description (SPD) or Plan Document at www.pebtf.org or by calling 1-800-522-7279.

More information

Important Questions Answers Why this Matters: What is the overall deductible? Are there other deductibles for specific services?

Important Questions Answers Why this Matters: What is the overall deductible? Are there other deductibles for specific services? : VIVA HEALTH Access Plan Coverage Period: 01/01/2015 12/31/2015 This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document

More information

Important Questions Answers Why this Matters:

Important Questions Answers Why this Matters: This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.arml.org\benefit_programs.html or by calling 1-501-978-6137.

More information

Self-Insured Schools of California:

Self-Insured Schools of California: Helping SISC III SELF-INSURED SCHOOLS OF CALIFORNIA Self-Insured of California: Helping Access+ HMO SaveNet 2013/2014 Enrollment Guide Blue Shield of California offers health benefits to school districts

More information

What is the overall deductible? Are there other deductibles for specific services? Is there an out-ofpocket

What is the overall deductible? Are there other deductibles for specific services? Is there an out-ofpocket Regence BlueCross BlueShield of Oregon: Preferred Coverage Period: 08/15/2015-08/14/2016 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Individual & Eligible Family

More information

Important Questions Answers Why this Matters: What is the overall deductible?

Important Questions Answers Why this Matters: What is the overall deductible? Molina Healthcare of Ohio, Inc.: Molina Gold Plan Coverage Period: 01/01/2016-12/31/2016 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Individual + Family ǀ Plan

More information

BridgeSpan Health Company: BridgeSpan Oregon Standard Gold Plan MyChoice Northwest

BridgeSpan Health Company: BridgeSpan Oregon Standard Gold Plan MyChoice Northwest BridgeSpan Health Company: BridgeSpan Oregon Standard Gold Plan MyChoice Northwest Summary of Benefits and Coverage: What this Plan Covers & What it Costs Questions: Call 1 (855) 857-9943 or visit us at

More information

BluePrint Bronze Tribal Zero Cost Share Plan 458a Coverage Period: Beginning on or after 01-01-2015

BluePrint Bronze Tribal Zero Cost Share Plan 458a Coverage Period: Beginning on or after 01-01-2015 BluePrint Bronze Tribal Zero Cost Share Plan 458a Summary of Benefits and Coverage: What this Plan covers & What it Costs Coverage Period: Beginning on or after 01-01-2015 Coverage for: Single and family

More information

Benefits At A Glance Plan C

Benefits At A Glance Plan C Benefits At A Glance Plan C HIGHLIGHTS OF WELFARE FUND BENEFITS WELFARE FUND BENEFITS IN BRIEF Medical and Hospital Benefits Empire BlueCross BlueShield Plan C-1 Empire BlueCross BlueShield Plan C-2 All

More information

Anthem Blue Cross Life and Health Insurance Company University of California San Francisco Custom Premier PPO 200/20 (200/20/80/60)

Anthem Blue Cross Life and Health Insurance Company University of California San Francisco Custom Premier PPO 200/20 (200/20/80/60) Anthem Blue Cross Life and Health Insurance Company University of California San Francisco Custom Premier PPO 200/20 (200/20/80/60) Summary of Benefits and Coverage: What this Plan Covers & What it Costs

More information

Health Alliance Plan. Coverage Period: 01/01/2014-12/31/2014. document at www.hap.org or by calling 1-800-759-3436.

Health Alliance Plan. Coverage Period: 01/01/2014-12/31/2014. document at www.hap.org or by calling 1-800-759-3436. Health Alliance Plan Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage Period: 01/01/2014-12/31/2014 Coverage for: Individual Family Plan Type: HMO This is only a summary.

More information

Regence BlueCross BlueShield of Oregon: Regence Oregon Standard Bronze Plan Coverage Period: Beginning on or after 01/01/2014

Regence BlueCross BlueShield of Oregon: Regence Oregon Standard Bronze Plan Coverage Period: Beginning on or after 01/01/2014 Regence BlueCross BlueShield of Oregon: Regence Oregon Standard Bronze Plan Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage Period: Beginning on or after 01/01/2014 Coverage

More information

Important Questions Answers Why this Matters: What is the overall deductible? Are there other deductibles for specific services?

Important Questions Answers Why this Matters: What is the overall deductible? Are there other deductibles for specific services? Anthem Blue Cross Stanislaus County: Custom EPO Coverage Period: 01/01/2015-12/31/2015 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Individual/Family Plan Type:

More information

StudentBlue University of Nebraska

StudentBlue University of Nebraska Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Individual/Family Plan Type: PPO What is the overall deductible? This is only a summary. If you want more details about

More information

Important Questions Answers Why this Matters: What is the overall deductible?

Important Questions Answers Why this Matters: What is the overall deductible? This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.studentplanscenter.com or by calling 1-800-756-3702.

More information

Boston College Student Blue PPO Plan Coverage Period: 2015-2016

Boston College Student Blue PPO Plan Coverage Period: 2015-2016 Boston College Student Blue PPO Plan Coverage Period: 2015-2016 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Individual and Family Plan Type: PPO This is only a

More information

HUMANA HEALTH PLAN, INC:

HUMANA HEALTH PLAN, INC: HUMANA HEALTH PLAN, INC: Humana Silver 4600/Lexington UK Healthcare HMOx Coverage Period: Beginning on or after 01/01/2015 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage

More information

page 2 for other costs for services this plan covers. Is there an out-of-pocket limit

page 2 for other costs for services this plan covers. Is there an out-of-pocket limit Coverage Period: Beginning 01/01/2014 1199SEIU National Benefit Fund Coverage for: Medicare-Eligible Retirees Living Outside of the Fund s Medicare Advantage Plan Area Summary of Benefits and Coverage:

More information

For small groups of 5 to 50, with relaxed participation guidelines. Effective January 1, 2013

For small groups of 5 to 50, with relaxed participation guidelines. Effective January 1, 2013 For small groups of 5 to 50, with relaxed participation guidelines Effective January 1, 2013 Why Blue Shield? Blue Shield is a California-based not-for-profit health plan that has been providing Californians

More information

Mental Health Services: University of California Custom Health Savings Plan 1300/2600

Mental Health Services: University of California Custom Health Savings Plan 1300/2600 Cover Letter for Summary of Benefits and Coverage Mental Health Services: University of California Custom Health Savings Plan 1300/2600 Coverage Period: 01/01/2015-12/31/2015 The enclosed Summary of Benefits

More information

60769MN0030057_00_SBC.pdf 60769MN0030041. Coverage for: Family Plan Type: PPO. Important Questions Answers Why this Matters:

60769MN0030057_00_SBC.pdf 60769MN0030041. Coverage for: Family Plan Type: PPO. Important Questions Answers Why this Matters: Federated Mutual Insurance Company: 1505 Coverage Period: 01/01/2015 12/31/2015 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Family Plan Type: PPO This is only

More information

Anthem Blue Cross Life and Health Insurance Company University of Southern California Custom Premier PPO 400/20%/20%

Anthem Blue Cross Life and Health Insurance Company University of Southern California Custom Premier PPO 400/20%/20% Anthem Blue Cross Life and Health Insurance Company University of Southern California Custom Premier 400/20%/20% Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage Period:

More information

Blue Shield of California Life & Health Insurance: Active Start Plan 25 - G Coverage Period: Beginning on or after 1/1/2014

Blue Shield of California Life & Health Insurance: Active Start Plan 25 - G Coverage Period: Beginning on or after 1/1/2014 This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.blueshieldca.com or by calling 1-800-431-2809. Important

More information

Your Plan: Value HMO 25/40/20% (RX $10/$30/$45/30%) Your Network: Select Plus HMO

Your Plan: Value HMO 25/40/20% (RX $10/$30/$45/30%) Your Network: Select Plus HMO Your Plan: Value HMO 25/40/20% (RX $10/$30/$45/30%) Your Network: Select Plus HMO This summary of benefits is a brief outline of coverage, designed to help you with the selection process. This summary

More information

Important Questions Answers Why this Matters:

Important Questions Answers Why this Matters: Anthem Blue Cross Life and Health Insurance Company Unify: PPO Coverage Period: 01/01/2015 12/31/2015 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Individual/Family

More information

Important Questions Answers Why this Matters:

Important Questions Answers Why this Matters: This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.sharphealthplan.com or by calling 1-800-359-2002. Important

More information

Coventry Health & Life Insurance Company

Coventry Health & Life Insurance Company Coventry Health & Life Insurance Company (Benefits underwritten by Coventry Health & Life Insurance Company and Administered by Coventry Health Care of Missouri, Inc.) Small Group PPO Schedule of Benefits:

More information

Blue Care Elect Preferred 90 Copay Coverage Period: on or after 09/01/2015

Blue Care Elect Preferred 90 Copay Coverage Period: on or after 09/01/2015 Blue Care Elect Preferred 90 Copay Coverage Period: on or after 09/01/2015 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Individual Only Plan Type: PPO This is only

More information

Coventry Health & Life Insurance Company Small Group PPO Schedule of Benefits:

Coventry Health & Life Insurance Company Small Group PPO Schedule of Benefits: Coventry Health & Life Insurance Company Small Group PPO Schedule of Benefits: Plan ID#: Silver Traditional 3000 90-14 (# ) This Schedule of Benefits summarizes Your obligation towards the cost of certain

More information

BlueConnect HSA Bronze $3,500 Plan 457 Coverage Period: Beginning on or after 01-01-2015

BlueConnect HSA Bronze $3,500 Plan 457 Coverage Period: Beginning on or after 01-01-2015 BlueConnect HSA Bronze $3,500 Plan 457 Summary of Benefits and Coverage: What this Plan covers & What it Costs Coverage Period: Beginning on or after 01-01-2015 Coverage for: Single or Family Plan Type:

More information

Banner Health - Choice Plus Coverage Period: 1/1/2015-12/31/2015

Banner Health - Choice Plus Coverage Period: 1/1/2015-12/31/2015 This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the plan document at www.bannerbenefits.com by clicking on the Resources tab and then Plan

More information

What is the overall deductible?

What is the overall deductible? Regence BlueCross BlueShield of Oregon: Innova Coverage Period: 10/01/2013-09/30/2014 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Individual & Eligible Family

More information

Senate Bill 91 (2011) Standard Plan - EHB and Cost Share Matrix - Updated for 2016 ***NOT INTENDED AS A STATEMENT OF COVERAGE***

Senate Bill 91 (2011) Standard Plan - EHB and Cost Share Matrix - Updated for 2016 ***NOT INTENDED AS A STATEMENT OF COVERAGE*** Deductible Medical: $1,250; Medical: $2,500; Integrated Medical/Rx: Rx: $0 Rx: $0 $5,000 Maximum OOP Combined Medical Combined Medical Combined Medical and and Drug: $6,350 and Drug: $6,350 Drug: $6,350

More information

Coverage for: Individual/Individual + Family What this Plan Covers & What it Costs

Coverage for: Individual/Individual + Family What this Plan Covers & What it Costs Connecticut General Life Insurance Co.: Open Access 1000 Plan Coverage Period: Beginning on or after 9/23/2012 Coverage for: Individual/Individual + Family What this Plan Covers & What it Costs! This is

More information

Blue Choice Silver PPO 004 Coverage Period: 01/01/2015-12/31/2015 Summary of Benefits and Coverage: What this Plan Covers & What it Costs

Blue Choice Silver PPO 004 Coverage Period: 01/01/2015-12/31/2015 Summary of Benefits and Coverage: What this Plan Covers & What it Costs This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.bcbsil.com/member/policy-forms/ or by calling 1-800-538-8833.

More information

Anthem Blue Cross Life and Health Insurance Company Your Plan: Solution PPO 1500/15/20 Your Network: Prudent Buyer PPO

Anthem Blue Cross Life and Health Insurance Company Your Plan: Solution PPO 1500/15/20 Your Network: Prudent Buyer PPO Anthem Blue Cross Life and Health Insurance Company Your Plan: Solution PPO 1500/15/20 Your Network: Prudent Buyer PPO This summary of benefits is a brief outline of coverage, designed to help you with

More information

Ultimate PPO Coverage Period: Beginning on or after 1/1/2014

Ultimate PPO Coverage Period: Beginning on or after 1/1/2014 This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.blueshieldca.com or by calling 1-888-256-3650. Important

More information

Important Questions Answers Why this Matters: What is the overall deductible? Are there other deductibles for specific services?

Important Questions Answers Why this Matters: What is the overall deductible? Are there other deductibles for specific services? This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.etf.wi.gov or by calling 1-877-533-5020. Important Questions

More information

Bowling Green State University : Plan B Summary of Benefits and Coverage: What This Plan Covers & What it Costs

Bowling Green State University : Plan B Summary of Benefits and Coverage: What This Plan Covers & What it Costs This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at MedMutual.com/SBC or by calling 800.540.2583. Important Questions

More information

Summary of Benefits and Coverage What this Plan Covers & What it Costs

Summary of Benefits and Coverage What this Plan Covers & What it Costs This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the plan document at www.mpiphp.org or by calling 1-855-275-4674. Important Questions Answers

More information

Land of Lincoln Health : Family Health Network LLH 3-Tier Bronze PPO Coverage Period: 01/01/2016 12/31/2016

Land of Lincoln Health : Family Health Network LLH 3-Tier Bronze PPO Coverage Period: 01/01/2016 12/31/2016 This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.landoflincolnhealth.org or by calling 1-844-FHN-4YOU.

More information

Companion Life Insurance Company: Middlebury College Student Health Insurance Plan Coverage Period: 08/15/2015-08/14/2016

Companion Life Insurance Company: Middlebury College Student Health Insurance Plan Coverage Period: 08/15/2015-08/14/2016 This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.studentplanscenter.com or by calling 1-800-756-3702.

More information

Community HealthEssentials. 2014 Guide

Community HealthEssentials. 2014 Guide Community HealthEssentials 2014 Guide Community HealthEssentials - Summary Community HealthEssentials is the new name for Community Health Plan of Washington s (CHPW) individual commercial products offered

More information

Option One Single Payment Plan. Short-Term Health Insurance California

Option One Single Payment Plan. Short-Term Health Insurance California Option One Single Payment Plan Short-Term Health Insurance California Making the Transition Short-term health insurance from CPIC Life gives you temporary coverage to protect you from the expense of accidents

More information

Operating Engineers Public Employees Health and Welfare Trust Fund Plan D vs PERS CHOICE and PERS SELECT PPO Plan

Operating Engineers Public Employees Health and Welfare Trust Fund Plan D vs PERS CHOICE and PERS SELECT PPO Plan Calendar Year Deductible $500 Individual / $1,000 Family per calendar year Does not apply to PPO physician office visits, PPO preventive care or hospital emergency room charges for an emergency medical

More information

$6,600 /person $13,200 /family Does not apply to preventive care. Yes. $6,600 /person. Important Questions Answers Why this Matters:

$6,600 /person $13,200 /family Does not apply to preventive care. Yes. $6,600 /person. Important Questions Answers Why this Matters: This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.healthrepublicinsurance.org or by calling 1-888-990-6635.

More information

California Small Group MC Aetna Life Insurance Company

California Small Group MC Aetna Life Insurance Company PLAN FEATURES Deductible (per calendar year) $1,000 per member $1,000 per member Unless otherwise indicated, the Deductible must be met prior to benefits being payable. All covered expenses accumulate

More information

Health Alliance Plan. Coverage Period: 01/01/2015-12/31/2015. document at www.hap.org or by calling 1-800-422-4641.

Health Alliance Plan. Coverage Period: 01/01/2015-12/31/2015. document at www.hap.org or by calling 1-800-422-4641. Health Alliance Plan Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage Period: 01/01/2015-12/31/2015 Coverage for: Individual+Family Plan Type: HMO This is only a summary.

More information

Important Questions Answers Why this Matters: What is the overall deductible?

Important Questions Answers Why this Matters: What is the overall deductible? Important Questions Answers Why this Matters: What is the overall deductible? Are there other deductibles for specific services? Is there an out of pocket limit on my expenses? What is not included in

More information

Reliability and predictable costs for individuals and families

Reliability and predictable costs for individuals and families INDIVIDUAL & FAMILY PLANS HEALTH NET HMO PLANS Reliability and predictable costs for individuals and families If you re looking for a health plan that s simple to use and easy to understand, you ve found

More information

Kaiser Permanente: KP DC Silver 1750/25%/HSA/Dental/PedDental Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for:

Kaiser Permanente: KP DC Silver 1750/25%/HSA/Dental/PedDental Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Kaiser Permanente: KP DC Silver 1750/25%/HSA/Dental/PedDental Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Coverage Period: Plan Type: HDHP This is only a summary.

More information

What is the overall deductible?

What is the overall deductible? This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.studentplanscenter.com or by calling 1-800-756-3702.

More information

Physicians Plus Insurance Corporation Coverage Period: 01/01/2016 12/31/2016

Physicians Plus Insurance Corporation Coverage Period: 01/01/2016 12/31/2016 This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.pplusic.com or by calling 1-800-545-5015. Important Questions

More information

National Guardian Life Insurance Company: Earlham College Student Health Insurance Plan Coverage Period: 08/01/2015-07/31/2016

National Guardian Life Insurance Company: Earlham College Student Health Insurance Plan Coverage Period: 08/01/2015-07/31/2016 This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.studentplanscenter.com or by calling 1-800-756-3702.

More information