a VA PPO Value 1500 Summary of Benefits and Coverage: What this Plan Covers & What it Costs

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1 Are there other deductibles for specific services? Is there an out-of-pocket limit on my expenses? What is not included in the out-of-pocket limit? Is there an overall annual limit on what the plan pays? Does the plan use a network of providers? Do I need a referral to see a specialist? Are there services this plan doesn't cover? No. Yes. In-network: Individual $4,000 / Family 2 Individual Maximum; Outof-network: Individual $10,000 / Family 2 Individual Maximum Premiums, co-pays, penalties for failure to obtain precertification for services, balance-billed charges, prescription drugs and health care this plan doesn t cover. No. Yes. For a list of in-network providers, see or call No. Yes. Coverage Period:To Be Determined 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 Important Questions Answers Why this Matters In-network: Individual $1,500 / Family 2 Individual Maximum; Out-ofnetwork: You must pay all the costs up to the deductible amount before this plan begins to Individual $5,000 / Family 2 pay for covered services you use. Check your policy or plan document to see when What is the overall Individual Maximum. Does not apply the deductible starts over (usually, but not always, January 1st). See the chart deductible? in-network for primary care office starting on page 2 for how much you pay for covered services after you meet the visits, preventive care, emergency care, deductible. urgent care and prescription drugs. You don t have to meet deductibles for specific services, but see the chart starting on page 2 for other costs for services this plan covers. The out-of-pocket limit is the most you could pay during a coverage period (usually one year) for your share of the cost of covered services. This limit helps you plan for health care expenses. Even though you pay these expenses, they don t count toward the out of pocket limit. The chart starting on page 2 describes any limits on what the plan will pay for specific covered services, such as office visits. If you use an in-network doctor or other health care provider, this plan will pay some or all of the costs of covered services. Be aware, your in-network doctor or hospital may use an out-of-network provider for some services. Plans use the term in-network, preferred, or participating for providers in their network. See the chart starting on page 2 for how this plan pays different kinds of providers. You can see the specialist you choose without permission from this plan. Some of the services this plan doesn t cover are listed on page 6. See your policy or plan document for additional information about excluded services. Page 1 of 8

2 a at VA PPO Value 1500 or by calling Copayments are fixed dollar amounts (for example, $15) you pay for covered health care, usually when you receive the service. Coinsurance is your share of the costs of a covered service, calculated as a percent of the allowed amount for the service. For example, if the plan s allowed amount for an overnight hospital stay is $1,000, your coinsurance payment of 20% would be $200. This may change if you haven t met your deductible. The amount the plan pays for covered services is based on the allowed amount. If an out-of-network provider charges more than the allowed amount, you may have to pay the difference. For example, if an out-of-network hospital charges $1,500 for an overnight stay and the allowed amount is $1,000, you may have to pay the $500 difference. (This is called balance billing.) This plan may encourage you to use in-network providers by charging you lower deductibles, copayments, and coinsurance amounts. Common Medical Event Services You May Need use an In use an Out Of Limitations & Exceptions Primary care visit to treat an injury or illness $30 co-pay per visit, Coverage is limited to 3 visits for Primary care. Specialist visit 20% co-insurance If you visit a health care provider s office or clinic Other practitioner office visit 20% co-insurance for chiropractic care 25% co-insurance for chiropractic care Coverage is limited to 24 visits for chiropractic care. Preventive care/screening/immunization No charge, Age and frequency schedules may apply. Diagnostic test (x-ray, blood work) 20% co-insurance If you have a test Imaging (CT/PET scans, MRIs) $500 co-pay per visit, Page 2 of 8

3 Common Medical Event Services You May Need use an In use an Out Of Limitations & Exceptions If you need drugs to treat your illness or condition More information about prescription drug coverage is available at m/pharmacyinsurance/individual s- families/index.html Generic drugs Formulary brand drugs $20 co-pay for up to a 30 day supply, $40 co-pay for up to a 60 day supply after $20 co-pay for up to a 30 day supply Non-formulary brand drugs Covers up to a 30-day supply (retail prescription); day supply (mail order prescription). No coverage for day supply out-of-network. Includes diabetic supplies, and contraceptive drugs and devices obtainable from a pharmacy. No charge for formulary generic FDAapproved women's contraceptives innetwork. Precertification required. Aetna Specialty Pharmacy - First prescription for a self-injectable drug must be filled at a participating retail pharmacy or Aetna Specialty Pharmacy. Subsequent fills must be through Aetna Specialty Pharmacy. No coverage for Formulary and Non-formulary brand drugs. If you have outpatient surgery Facility fee (e.g., ambulatory surgery center) Physician/surgeon fees Emergency room services $500 co-pay per visit; Paid as in-network Copay is waived if admitted. No coverage for non-emergency care. If you need immediate medical attention Emergency medical transportation 20% co-insurance Paid as in-network Urgent care $75 co-pay per visit, No coverage for non-urgent care. Page 3 of 8

4 Common Medical Event Services You May Need use an In use an Out Of Limitations & Exceptions If you have a hospital stay Facility fee (e.g., hospital room) Precertification required for out-of-network care. Benefits will be reduced by $400 per occurrence if precertification is not obtained. Physician/surgeon fee Mental/Behavioral health inpatient services Mental/Behavioral health outpatient services Coverage is limited to severe, biologically based mental or nervous disorders. Precertification required for inpatient outof-network care. Benefits will be reduced by $400 per occurrence if precertification is not obtained. If you have mental health, behavioral health or substance abuse needs Substance use disorder outpatient services Substance use disorder inpatient services Coverage is limited to treatment of drug and alcohol dependencies associated with severe, biologically based mental or nervous disorders. Precertification required for inpatient out-of-network care. Benefits will be reduced up to $400 per occurrence if precertification is not obtained. If you are pregnant Prenatal and postnatal care No charge, No coverage for Postnatal care. Delivery and all inpatient services Coverage is limited to complications of pregnancy. Page 4 of 8

5 Common Medical Event Services You May Need use an In use an Out Of Limitations & Exceptions Home health care 20% co-insurance Coverage is limited to 30 visits. Precertification required for out-of-network care. Benefits will be reduced by $400 per occurrence if precertification is not obtained. Rehabilitation services 20% co-insurance Coverage is limited to 24 visits combined for PT/OT. Speech therapy is covered only under home health or skilled nursing. If you need help recovering or have other special health needs If your child needs dental or eye care Habilitation services Skilled nursing care Durable medical equipment Hospice service Eye exam Glasses Dental check-up 20% co-insurance Coverage is limited to 30 days. Precertification required for out-of-network care. Benefits will be reduced by $400 per occurrence if precertification is not obtained. Coverage is limited to children up to age 21. Limits and annual maximums may apply. Coverage is limited to $2,000 annual maximum. Precertification required for out-of-network care. Benefits will be reduced by $400 per occurrence if precertification is not obtained. Page 5 of 8

6 Excluded Services & Other Covered Services: Services Your Plan Does NOT Cover (This isn't a complete list. Check your policy or plan document for other excluded services.) Acupuncture Glasses (Adult & Child) Routine eye care (Adult & Child) Bariatric surgery Infertility treatment Routine foot care Brand drugs Long-term care Weight loss programs Cosmetic surgery Pregnancy Dental care (Adult & Child) Private-duty nursing Other Covered Services (This isn't a complete list. Check your policy or plan document for other covered services and your costs for these services.) Chiropractic care limited to 24 visits. Hearing Aids (Adult) limited to 1 per ear per 36 Hearing Aids (Children Under 24) limited to 1 per months, up to $200 per hearing aid; no ear every 3 years, up to a maximum of $1,000 per coverage for first 12 months. hearing aid. Non-emergency care when traveling outside the U.S. Your Rights to Continue Coverage: Federal and State laws may provide protections that allow you to keep health insurance coverage as long as you pay your premium. There are exceptions, however, such as if: You commit fraud The insurer stops offering services in the State You move outside the coverage area For more information on your rights to continue coverage, contact the insurer at You may also contact your state insurance department at or Your Grievance and Appeals Rights: If you have a complaint or are dissatisfied with a denial of coverage for claims under your plan, you may be able to appeal or file a grievance. For questions about your rights, this notice, or assistance, you can contact: Aetna at or your state insurance department at or Additionally, a consumer assistance program can help you file your appeal. Contact: Virginia State Corporation Commission at or bureauofinsurance@scc.virginia.gov. Language Access Services: Kung kailangan ninyo ang tulong sa Tagalog tumawag sa Dinek'ehgo shika at'ohwol ninisingo, kwiijigo holne' 如 果 需 要 中 文 的 帮 助, 请 拨 打 这 个 号 码 Para obtener asistencia en Español, llame al To see examples of how this plan might cover costs for a sample medical situation, see the next page. Page 6 of 8

7 Coverage Examples About these Coverage Examples: These examples show how this plan might cover medical care in given situations. Use these examples to see, in general, how much financial protection a sample patient might get if they are covered under different plans. Having a baby (normal delivery) Amount owed to providers: Plan pays: $ 2,190 Patient pays: $ 5,350 $ 7,540 Managing type 2 diabetes (routine maintenance of a well-controlled condition) Amount owed to providers: Plan pays: $ 2,600 Patient pays: $ 2,800 $ 5,400 Sample care costs: Hospital charges (mother) Routine obstetric care Hospital charges (baby) Anesthesia Laboratory tests Prescriptions Radiology Vaccines, other preventive Total Patient pays: Deductibles Co-pays Co-insurance Limits or exclusions Total $ 2,700 2, $ 7,540 $ 730 $ - $ - $ 4,620 $ 5,350 Sample care costs: Prescriptions Medical Equipment and Supplies Office Visits and Procedures Education Laboratory tests Vaccines, other preventive Total Patient pays: Deductibles Co-pays Co-insurance Limits or exclusions Total $ 2,900 1, $ 5,400 $ 1,500 $ 810 $ 410 $ 80 $ 2,800 Note: Your plan may have both copayments and coinsurance for covered services, if so, these examples use copayments only. Your costs may be higher. Page 7 of 8

8 Coverage Examples Questions and answers about the Coverage Examples: What are some of the assumptions behind the Coverage Examples? What does a Coverage Example show? Can I use Coverage Examples to compare plans? Costs don t include premiums. Sample care costs are based on national averages supplied by the U.S. Department of Health and Human Services, and aren t specific to a particular geographic area or health plan. The patient s condition was not an excluded or preexisting condition. All services and treatments started and ended in the same policy period. There are no other medical expenses for any member covered under this plan. Out-of-pocket expenses are based only on treating the condition in the example. The patient received all care from in-network providers. If the patient had received care from out-of-network providers, costs would have been higher. For each treatment situation, the Coverage Example helps you see how deductibles, copayments, and coinsurance can add up. It also helps you see what expenses might be left up to you to pay because the service or treatment isn t covered or payment is limited. Does the Coverage Example predict my own care needs? No. Treatments shown are just examples. The care you would receive for these conditions could be different based on your doctor s advice, your age, how serious your condition is, and many other factors. Does the Coverage Example predict my future expenses? No. Coverage Examples are not cost estimators. You can t use the examples to estimate costs for an actual condition. They are for comparative purposes only. Your own costs will be different depending on the care you receive, the prices your providers charge, and the reimbursement your health plan allows. Yes. When you look at the Summary of Benefits and Coverage for other plans, you ll find the same Coverage Examples. When you compare plans, check the Patient Pays box for each example. The smaller that number, the more coverage the plan provides. Are there other costs I should consider when comparing plans? Yes. An important cost is the premium you pay. Generally, the lower your premium, the more you ll pay in out-ofpocket costs, such as copayments, deductibles, and coinsurance. You also should consider contributions to accounts such as health savings accounts (HSAs), flexible spending arrangements (FSAs) or health reimbursement accounts (HRAs) that help you pay out-of-pocket expenses. Page 8 of 8