Small Business Solutions Medical Plan Options
|
|
- Quentin Preston
- 8 years ago
- Views:
Transcription
1 Small Business Solutions Medical Plan Options Indiana Choice. Simplicity. Affordability IN (10/04)
2 AETNA SMALL GROUP MEDICAL PLANS AETNA CHOICE PPO PLAN OPTIONS Plan Option 1 Plan Option 2 Plan Option 3 Plan Option 4 MEMBER BENEFITS In Network Coinsurance/ Out of Network Coinsurance Calendar Year Deductible Individual/Family In Network Out of In Network Out of In Network Out of In Network Out of Network** Network** Network** Network** 90% 70% 90% 70% 80% 60% 80% 60% $250/ $500/ $500/ $1,000/ $500/ $1,000/ $750/ $1,500/ $500 $1,000 $1,000 $2,000 $1,000 $2,000 $1,500 $3,000 Calendar Year Coinsurance Maximum Individual/Family $2,000/ $3,000/ $2,500/ $4,000/ $1,500/ $3,000/ $2,000/ $4,000/ $4,000 $6,000 $5,000 $8,000 $3,000 $6,000 $4,000 $8,000 Hospital Inpatient Coinsurance/ Deductible Per Admit Physician Office Visit deductible deductible $15 copay, 70% after $20 copay, 70% after $25 copay, 60% after $35 copay, 60% after deductible deductible waived waived waived waived Specialist Office Visit Outpatient Services Copay or Coinsurance (Diagnostic Lab) Outpatient Services Copay or Coinsurance (Diagnostic X-Ray) Outpatient Surgery Emergency Room Urgent Care Durable Medical Equipment Copay/Maximum Benefit per Calender Year Mental Health Inpatient Mental Health Outpatient $15 copay, 70% after $20 copay, 70% after $25 copay, 60% after $35 copay, 60% after ded waived deductible ded waived deductible ded waived deductible ded waived deductible deductible deductible deductible deductible deductible deductible 90% after 90% after 90% after 90% after 80% after 80% after 80% after 80% after deductible deductible $50 copay, 70% after $50 copay, 70% after $50 copay, 60% after $50 copay, 60% after ded waived deductible ded waived deductible ded waived deductible ded waived deductible deductible deductible $2000/cal yr max combined $2000/cal yr max combined $2000/cal yr max combined $2000/cal yr max combined in/out of network in/out of network in/out of network in/out of network deductible deductible 30 day max per cal yr combined 30 day max per cal yr combined 30 day max per cal yr combined 30 day max per cal yr combined in/out of network in/out of network in/out of network in/out of network deductible deductible 30 visits combined in-network and out-of-network per calendar year maximum Lifetime Maximums Unlimited Unlimited Unlimited Unlimited PHARMACY Triple Tier Copay $10/$25/$40 70% after $10/$25/$40 70% after $10/$25/$40 70% after $15/$30/$45 70% after $10/$25/$40 $10/$25/$40 $10/$25/$40 $15/$30/$45 Mail-Order Drug Copay (31-90 day supply) Contraceptives Standard 2x retail Not covered 2x retail Not covered 2x retail Not covered 2x retail Not covered copay copay copay copay Included Included Included Included Included Included Included Included 2 This is a partial description of benefits available; for more information, refer to the specific plan design summary. The dollar amount copayments indicate what the member is required to pay and the percentage copayments indicate what Aetna is required to pay. If applicable, In-Network and Out-of-Network deductible and coinsurance maximums accumulate separately. **Payment for Out-of-Network facility care is determined based upon Aetna s allowable fee schedule. Payment for other Out-of-Network care is determined based upon the negotiated charge that would apply if such services or supplies were received from an In-Network provider. These charges are referred to in your Plan Document as recognized charges. NOTE: For a summary list of Limitations and Exclusions, refer to pages 6-7.
3 Plan Option 7 1 Plan Option 5 Plan Option 6 (First Dollar Plan Option 8 Plan Option 9 Plan Option 10* Plan$500/$1000) (HSA Compatible) (HSA Compatible) In Network Out of In Network Out of In Network Out of In Network Out of In Network Out of In Network Out of Network** Network** Network** Network** Network** Network** 80% 60% 70% 50% 80% 60% 100% 80% 80% 60% 80% 60% $1,000/ $2,000/ $1,500/ $2,000/ $1,500/ $3,000/ $2,250/ $4,000/ $2,500/ $5,000/ $2,500/ $5,000/ $2,000 $4,000 $3,000 $4,000 $3,000 $6,000 $4,500 $8,000 $5,000 $10,000 $5,000 $10,000 (Applies to all (Applies to all (Applies to all (Applies to all services except services) services except services) preventive care preventive care $15 copay) $40 copay) $4,000/ $6,000/ $4,000/ $8,000/ $3,000/ $6,000/ $2,500/ $6,000/ $3,500/ $7,000/ $5,000/ $10,000/ $8,000 $12,000 $8,000 $16,000 $6,000 $12,000 $5,000 $12,000 $7,000 $14,000 $10,000 $20,000 (Includes (Includes (Includes (Includes deductible, deductible, deductible, deductible, Rx and DME) Rx and DME) Rx and DME) Rx and DME) 80% after 60% after 70% after 50% after 80% after 60% after 100% after 80% after 80% after 60% after 80% after 60% after $40 copay, 60% after $40 copay, 50% after 80% after 60% after 100% after 80% after 80% after 60% after $25 copay, 60% after deductible ded waived deductible waived waived Limit is 3 visits per cal yr combined in/out of network $40 copay, 60% after $40 copay, 50% after 80% after 60% after 100% after 80% after 80% after 60% after See Office See Office ded waived deductible ded waived deductible Visits Visits 80% after 60% after 70% after 50% after 80% after 60% after 100% after 80% after 80% after 60% after Not Covered Not Covered deductible 80% after 60% after 70% after 50% after 80% after 60% after 100% after 80% after 80% after 60% after Not Covered Not Covered deductible 80% after 60% after 70% after 50% after 80% after 60% after 100% after 80% after 80% after 60% after 80% after 60% after 80% after 80% after 70% after 70% after 80% after 80% after 100% after 100% after 80% after 80% after 80% after 80% after $50 copay, 60% after $50 copay, 50% after 80% after 60% after 100% after 80% after 80% after 60% after 80% after 60% after ded waived deductible ded waived 80% after 60% after 70% after 50% after 80% after 60% after 100% after 80% after 80% after 60% after Not Covered Not Covered deductible $2000/cal yr max combined $2000/cal yr max combined $2000/cal yr max combined $2000/cal yr max combined $2000/cal yr max combined in/out of network in/out of network in/out of network in/out of network in/out of network 80% after 60% after 70% after 50% after 80% after 60% after 100% after 80% after 80% after 60% after 80% after 60% after 30 day max per cal yr combined 30 day max per cal yr combined 30 day max per cal yr combined 30 day max per cal yr combined 30 day max per cal yr combined 30 day max per cal yr combined in/out of network in/out of network in/out of network in/out of network in/out of network in/out of network 80% after 60% after 70% after 50% after 80% after 60% after 100% after 80% after 80% after 60% after See office visits See office visits deductible 30 visits combined in-network and out-of-network per calendar year maximum Unlimited Unlimited Unlimited Unlimited Unlimited Unlimited $15/$30/$45 70% after $20/$35/$50 70% after $15/$30/$45 70% after After medical After in-network After medical After in-network $20/$35/$50 70% after $15/$30/$45 with $200 $20/$35/$50 $15/$30/$45 deductible medical deductible medical $500 cal yr max $20/$35/$50 Brand with $200 $20/$35/$50 deductible $20/$35/$50 deductible combined in/ $500 cal yr max deductible Brand 70% after 70% after out of-network combined in/ deductible $20/$35/$50 $20/$35/$50 out of-network 2x retail Not covered 2x retail Not covered 2x retail Not covered 2x retail Not covered 2x retail Not covered 2x retail Not covered copay copay copay copay copay copay Included Included Included Included Included Included Included Included Included Included Included Included *This plan provides limited benefits only and does not constitute a comprehensive health insurance plan. As such, it may not cover all the expenses associated with your health care needs. **Payment for Out-of-Network facility care is determined based upon Aetna s allowable fee schedule. Payment for other Out-of-Network care is determined based upon the negotiated charge that would apply if such services or supplies were received from an In-Network provider. These charges are referred to in your Plan Document as recognized charges. 1 The first dollar fund provides first dollar benefits of $500 for an individual and $1000 for a family. The benefit does not apply towards the deductible, the out-of-pocket maximum or prescription drugs. Some benefits are subject to limitations or visit maximums. 3 NOTE: For a summary list of Limitations and Exclusions, refer to pages 6-7.
4 AETNA SMALL GROUP MEDICAL PLANS AETNA CHOICE (OPEN ACCESS) POS PLAN OPTIONS Plan Option 1 Plan Option 2 Plan Option 3 MEMBER BENEFITS In Network Out of In Network Out of In Network Out of Network** Network** Network** In Network Coinsurance/ Out of Network Coinsurance Calendar Year Deductible Individual/Family Calendar Year Out-of-Pocket Maximum Individual/Family Hospital Inpatient Coinsurance/ Deductible Per Admit Primary Physician Office Visit Specialist Office Visit Copay or Coinsurance Outpatient Services Coinsurance (Diagnostic Lab) Outpatient Services Coinsurance (Diagnostic X-Ray) Outpatient Surgery Coinsurance Emergency Room Copay Waived if Admitted Urgent Care Durable Medical Equipment Coinsurance/Maximum Benefit per Calender Year Mental Health Inpatient Coinsurance Mental Health Outpatient Lifetime Maximums 90% 70% 80% 60% 70% 50% N/A $500/$1,500 N/A $1,000/$3,000 N/A $1,500/$4,500 $1,500/$3,000 $3,000/$6,000 $1,500/$3,000 $4,000/$8,000 $1,500/$3,000 $5,000/$10,000 $20 copay 70% after $30 copay 60% after $40 copay 50% after $20 copay 70% after $30 copay 60% after $40 copay 50% after 100% 70% after 100% 60% after 100% 50% after $100 copay $100 copay $150 copay $150 copay $200 copay $200 copay $30 copay 70% after $40 copay 60% after $50 copay 50% after $2000/cal yr combined $2000/cal yr combined $2000/cal yr combined in/out-of-network in/out-of-network in/out-of-network $20 copay 70% after $30 copay 60% after $40 copay 50% after $5,000,000 $5,000,000 $5,000,000 combined in/out-of-network combined in/out-of-network combined in/out-of-network PHARMACY Triple Tier Copay Mail-Order Drug Copay (31-90 day supply) Contraceptives Standard $15/20/$35 N/A $15/$30/$45 N/A $15/$30/$50 N/A 2 x retail copay N/A 2 x retail copay N/A 2 x retail copay N/A Included N/A Included N/A Included N/A This is a partial description of benefits available; for more information, refer to the specific plan design summary. The dollar amount copayments indicate what the member is required to pay and the percentage copayments indicate what Aetna is required to pay. Out-of-Pocket Maximums accumulate separately between in-network and out-of-network benefits. **Payment for Out-of-Network facility care is determined based upon Aetna s Facility allowable fee schedule. Payment for other Out-of-Network care is determined based upon the negotiated charge that would apply if such services or supplies were received from an In-Network provider. These charges are referred to in your Plan Document as recognized charges. Some benefits are subject to limitations or visit maximums. NOTE: For a summary list of Limitations and Exclusions, refer to pages
5 AETNA SMALL GROUP MEDICAL PLANS AETNA PRIMARY CARE PLAN HMO PLAN OPTIONS MEMBER BENEFITS Plan Option 1 Plan Option 2 Plan Option 3 In Network Coinsurance Calendar Year Deductible Individual/Family Calendar Year Out-of-Pocket Maximum Individual/Family Hospital Inpatient Copay/ Coinsurance/Per Admit Primary Physician Office Visit Copay Specialist Office Visit Copay Approved Outpatient Services (Diagnostic Lab) Approved Outpatient Services (Diagnostic X-Ray) Outpatient Surgery Emergency Room Copay Waived if Admitted Urgent Care Copay Durable Medical Equipment Coinsurance/Maximum Benefit per Calender Year Mental Health Inpatient Mental Health Outpatient Copay Lifetime Maximums N/A 80% 70% N/A N/A N/A $1,500/$3,000 $1,500/$3,000 $1,500/$3,000 $100 per day/ 80% 70% 5 day maximum $15 $25 $35 $25 $30 $40 $25 100% 100% $25 80% 70% $100 80% 70% $100 $150 $200 $35 $40 $50 80% 80% 70% $2000/cal yr $2000/cal yr $2000/cal yr maximum maximum maximum $100 per day/ 80% 70% 5 day maximum $25 copay $30 copay $40 copay $5,000,000 $5,000,000 $5,000,000 PHARMACY Triple Tier Copay Mail-Order Drug Copay (31-90 day supply) Contraceptives Standard $15/20/$35 $15/$30/$45 $15/$30/$50 2 x retail copay 2 x retail copay 2 x retail copay Included Included Included This is a partial description of benefits available; for more information, refer to the specific plan design summary. The dollar amount copayments indicate what the member is required to pay and the percentage copayments indicate what Aetna is required to pay. Some benefits are subject to limitations or visit maximums. NOTE: For a summary list of Limitations and Exclusions, refer to pages
6 These plans do not cover all health care expenses and includes exclusions and limitations. Employers and members should refer to their plan documents to determine which health care services are covered and to what extent. Medical Limitations and Exclusions Aetna Choice Plan PPO Services and supplies that are generally not covered include, but are not limited to: All medical or hospital services not specifically covered in, or which are limited or excluded in the plan documents; Charges related to any eye surgery mainly to correct refractive errors; Cosmetic surgery, including breast reduction; Custodial care; Dental care and X-rays; Donor egg retrieval; Experimental and investigational procedures; Hearing aids; Immunizations for travel or work; Infertility services, including, but not limited to, artificial insemination and advanced reproductive technologies such as IVF, ZIFT, GIFT, ICSI and other related services, unless specifically listed as covered in your plan documents; Medical expenses for a pre-existing condition are not covered (full postponement rule) for the first 270 days after the insured s enrollment date. Lookback period for determining a pre-existing condition (conditions for which diagnosis, care or treatment was recommended or received) is 180 days prior to the enrollment date. The preexisting condition limitation period will be reduced by the number of days of prior creditable coverage the member has as of the enrollment date. Nonmedically necessary services or supplies; Orthotics, unless necessary to treat complications of diabetes; Over-the-counter medications and supplies; Reversal of sterilization; Services for the treatment of sexual dysfunction or inadequacies, including therapy, supplies, or counseling; and Special duty nursing. 6
7 Aetna HMO Plan, Aetna Choice Open Access POS Plan Services and supplies that are generally not covered include, but are not limited to: All medical and hospital services not specifically covered in, or which are limited or excluded by your plan documents, including costs of services before coverage begins and after coverage terminates. Cosmetic surgery. Custodial care. Dental care and dental x-rays. Donor egg retrieval. Experimental and investigational procedures, (except for coverage for medically necessary routine patient care costs for Members participating in a cancer clinical trial). Hearing aids. Home births. Immunizations for travel or work. Implantable drugs and certain injectable drugs including injectable infertility drugs. Infertility services including artificial insemination and advanced reproductive technologies such as IVF, ZIFT, GIFT, ICSI and other related services unless specifically listed as covered in your plan documents. Medical expenses for a pre-existing condition are not covered (full postponement rule) for the first 270 days after the member s enrollment date. Lookback period for determining a pre-existing condition (conditions for which diagnosis, care or treatment was recommended or received) is 180 days prior to the enrollment date. The preexisting condition limitation period will be reduced by the number of days of prior creditable coverage the member has as of the enrollment date. This exclusion only applies to the out-ofnetwork benefits of the Aetna Open Access POS Plan. Nonmedically necessary services or supplies. Orthotics, unless necessary to treat complications of diabetes. Over-the-counter medications and supplies. Radial keratotomy or related procedures. Reversal of sterilization. Services for the treatment of sexual dysfunction or inadequacies including therapy, supplies or counseling. Special duty nursing. Therapy or rehabilitation other than those listed as covered in the plan documents. 7
8 For more information about any of these plans, or to receive a quote, please contact your broker or Business Solutions at Aetna is the brand name used for products and services provided by one or more of the Aetna group of subsidiary companies. The Aetna companies that offer, underwrite, or administer benefit coverage include Aetna Health Inc., Aetna Health of Illinois Inc., Corporate Health Insurance Company, and Aetna Life Insurance Company. This material is for informational purposes only and is neither an offer of coverage nor medical advice. It contains only a partial, general description of plan benefits or programs and does not constitute a contract. Aetna arranges for the provision of healthcare/dental services. However, Aetna itself is not a provider of healthcare/dental services and therefore cannot guarantee any results or outcomes. Consult the plan documents (Schedule of Benefits, Certificate of Coverage, Evidence of Coverage, Group Agreement, Group Insurance Certificate, Booklet, Booklet-certificate, Group Policy) to determine governing contractual provisions, including procedures, exclusions and limitations relating to the plan. The availability of a plan or program may vary by geographic service area. With the exception of Aetna Rx Home Delivery Service, participating providers and vendors are independent contractors in private practice and are neither employees nor agents of Aetna or its affiliates. Aetna Rx Home Delivery, LLC, is a subsidiary of Aetna Inc. The availability of any particular provider cannot be guaranteed, and provider network composition is subject to change. Notice of the change shall be provided. in accordance with applicable state law. Certain primary care providers are affiliated with integrated delivery systems or other provider groups (such as independent practice associations and physician-hospital organizations), and members who select these providers will generally be referred to specialists and hospitals within those systems or groups. However, if a system or group does not include a provider qualified to meet member s medical needs, member may request to have services provided by non-system or non-group providers. Member s request will be reviewed and will require prior authorization from the system or group and/or Aetna to be a covered benefit. Some benefits are subject to limitations or visit maximums. Members or Providers may be required to precertify, or obtain prior approval of coverage for certain services such as non-emergency inpatient hospital care. If your plan covers outpatient prescription drugs, your plan may include a drug formulary (preferred drug list). A formulary is a list of prescription drugs generally covered under your prescription drug benefits plan on a preferred basis subject to applicable limitations and conditions. Your pharmacy benefit is generally not limited to the drugs listed on the formulary. The medications listed on the formulary are subject to change in accordance with applicable state law. For information regarding how medications are reviewed and selected for the formulary, formulary information, and information about other pharmacy programs such as precertification and step-therapy, please refer to Aetna s website at or the Aetna Medication Formulary Guide. Many drugs, including many of those listed on the formulary, are subject to rebate arrangements between Aetna and the manufacturer of the drugs. Rebates received by Aetna from drug manufacturers are not reflected in the cost paid by a member for a prescription drug. In addition, in circumstances where your prescription plan utilizes copayments or coinsurance calculated on a percentage basis or a deductible, use of formulary drugs may not necessarily result in lower costs for the member. Members should consult with their treating physicians regarding questions about specific medications. Refer to your plan documents or contact Member Services for information regarding the terms and limitations of coverage. Aetna Rx Home Delivery refers to Aetna Rx Home Delivery, LLC, a subsidiary of Aetna Inc., that is a licensed pharmacy providing mail-order pharmacy services. Aetna s negotiated charge with Aetna Rx Home Delivery may be higher than Aetna Rx Home Delivery s cost of purchasing drugs and providing mail-order pharmacy services. While this material is believed to be accurate as of the print date, it is subject to change IN (10/04) 2004 Aetna Inc.
Bates College Effective date: 01-01-2010 HMO - Maine PLAN DESIGN AND BENEFITS PROVIDED BY AETNA HEALTH INC. - FULL RISK PLAN FEATURES
PLAN FEATURES Deductible (per calendar year) $500 Individual $1,000 Family Unless otherwise indicated, the Deductible must be met prior to benefits being payable. Once Family Deductible is met, all family
More informationPLAN DESIGN AND BENEFITS Basic HMO Copay Plan 1-10
PLAN FEATURES Deductible (per calendar year) Member Coinsurance Not Applicable Not Applicable Out-of-Pocket Maximum $5,000 Individual (per calendar year) $10,000 Family Once the Family Out-of-Pocket Maximum
More informationPLAN DESIGN AND BENEFITS POS Open Access Plan 1944
PLAN FEATURES PARTICIPATING Deductible (per calendar year) $3,000 Individual $9,000 Family $4,000 Individual $12,000 Family Unless otherwise indicated, the Deductible must be met prior to benefits being
More informationPARTICIPATING PROVIDERS / REFERRED Deductible (per calendar year)
Your HMO Plan Primary Care Physician - You choose a Primary Care Physician. The Aetna HMO Deductible provider network gives you access to a wide selection of Primary Care Physicians ( PCP's) and Specialists
More informationMedical Plan - Healthfund
18 Medical Plan - Healthfund Oklahoma City Community College Effective Date: 07-01-2010 Aetna HealthFund Open Choice (PPO) - Oklahoma PLAN DESIGN AND BENEFITS PROVIDED BY AETNA LIFE INSURANCE COMPANY -
More informationPLAN DESIGN AND BENEFITS HMO Open Access Plan 912
PLAN FEATURES Deductible (per calendar year) $1,000 Individual $2,000 Family Unless otherwise indicated, the Deductible must be met prior to benefits being payable. Member cost sharing for certain services
More informationSMALL GROUP PLAN DESIGN AND BENEFITS OPEN CHOICE OUT-OF-STATE PPO PLAN - $1,000
PLAN FEATURES PREFERRED CARE NON-PREFERRED CARE Deductible (per calendar year; applies to all covered services) $1,000 Individual $3,000 Family $2,000 Individual $6,000 Family Plan Coinsurance ** 80% 60%
More informationCalifornia PCP Selected* Not Applicable
PLAN FEATURES Deductible (per calendar ) Member Coinsurance * Not Applicable ** Not Applicable Copay Maximum (per calendar ) $3,000 per Individual $6,000 per Family All member copays accumulate toward
More informationPLAN DESIGN AND BENEFITS AETNA LIFE INSURANCE COMPANY - Insured
PLAN FEATURES Deductible (per calendar year) Individual $750 Individual $1,500 Family $2,250 Family $4,500 All covered expenses accumulate simultaneously toward both the preferred and non-preferred Deductible.
More informationBusiness Life Insurance - Health & Medical Billing Requirements
PLAN FEATURES Deductible (per plan year) $2,000 Employee $2,000 Employee $3,000 Employee + Spouse $3,000 Employee + Spouse $3,000 Employee + Child(ren) $3,000 Employee + Child(ren) $4,000 Family $4,000
More informationCalifornia Small Group MC Aetna Life Insurance Company
PLAN FEATURES Deductible (per calendar year) $3,000 Individual $6,000 Family Unless otherwise indicated, the Deductible must be met prior to benefits being payable. All covered expenses accumulate separately
More informationPLAN DESIGN AND BENEFITS Georgia 2-100 HNOption 13-1000-80
Georgia Health Network Option (POS Open Access) PLAN DESIGN AND BENEFITS Georgia 2-100 HNOption 13-1000-80 PLAN FEATURES PARTICIPATING PROVIDERS NON-PARTICIPATING PROVIDERS Deductible (per calendar year)
More informationPLAN DESIGN AND BENEFITS - Tx OAMC Basic 2500-10 PREFERRED CARE
PLAN FEATURES Deductible (per calendar year) $2,500 Individual $4,000 Individual $7,500 Family $12,000 Family 3 Individuals per Family 3 Individuals per Family Unless otherwise indicated, the Deductible
More informationPLAN DESIGN AND BENEFITS - Tx OAMC 2500 08 PREFERRED CARE
PLAN FEATURES Deductible (per calendar year) $2,500 Individual $5,000 Individual $7,500 3 Individuals per $15,000 3 Individuals per Unless otherwise indicated, the Deductible must be met prior to benefits
More informationEmployee + 2 Dependents
FUND FEATURES HealthFund Amount $500 Individual $1,000 Employee + 1 Dependent $1,000 Employee + 2 Dependents $1,000 Family Amount contributed to the Fund by the employer Fund Coinsurance Percentage at
More informationCalifornia 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 informationPREFERRED CARE. All covered expenses, including prescription drugs, accumulate toward both the preferred and non-preferred Payment Limit.
PLAN FEATURES Deductible (per plan year) $300 Individual $300 Individual None Family None Family All covered expenses, excluding prescription drugs, accumulate toward both the preferred and non-preferred
More informationCA Group Business 2-50 Employees
PLAN FEATURES Network Primary Care Physician Selection Deductible (per calendar year) Member Coinsurance Copay Maximum (per calendar year) Lifetime Maximum Referral Requirement PHYSICIAN SERVICES Primary
More informationPDS Tech, Inc Proposed Effective Date: 01-01-2012 Aetna HealthFund Aetna Choice POS ll - ASC
FUND FEATURES HealthFund Amount $500 Individual $1,000 Employee + 1 Dependent $1,000 Employee + 2 Dependents $1,000 Family Amount contributed to the Fund by the employer Fund Coinsurance 100% Percentage
More information100% Fund Administration
FUND FEATURES HealthFund Amount $500 Employee $750 Employee + Spouse $750 Employee + Child(ren) $1,000 Family Amount contributed to the Fund by the employer Fund Coinsurance Percentage at which the Fund
More informationPLAN DESIGN AND BENEFITS - PA Health Network Option AHF HRA 1.3. Fund Pays Member Responsibility
HEALTHFUND PLAN FEATURES HealthFund Amount (Per plan year. Fund changes between tiers requires a life status change qualifying event.) Fund Coinsurance (Percentage at which the Fund will reimburse) Fund
More informationPLAN DESIGN AND BENEFITS - Tx OAMC 1500-10 PREFERRED CARE
PLAN FEATURES Deductible (per calendar year) $1,500 Individual $3,000 Individual $4,500 Family $9,000 Family 3 Individuals per Family 3 Individuals per Family Unless otherwise indicated, the Deductible
More information$6,350 Individual $12,700 Individual
PLAN FEATURES IN-NETWORK OUT-OF-NETWORK Deductible $5,000 Individual $10,000 Individual $10,000 Family $20,000 Family All covered expenses accumulate separately toward the preferred or non-preferred Deductible.
More informationUnlimited except where otherwise indicated.
PLAN FEATURES Deductible (per calendar year) $1,250 Individual $5,000 Individual $2,500 Family $10,000 Family All covered expenses including prescription drugs accumulate separately toward both the preferred
More informationIL Small Group PPO Aetna Life Insurance Company Plan Effective Date: 04/01/2009 PLAN DESIGN AND BENEFITS- PPO HSA HDHP $2,500 100/80 (04/09)
PLAN FEATURES OUT-OF- Deductible (per calendar ) $2,500 Individual $5,000 Individual $5,000 Family $10,000 Family Unless otherwise indicated, the Deductible must be met prior to benefits being payable.
More information100% Percentage at which the Fund will reimburse Fund Administration
FUND FEATURES HealthFund Amount $500 Employee $1,000 Employee + 1 Dependent $1,000 Employee + 2 Dependents $1,000 Family Amount contributed to the Fund by the employer Fund amount reflected is on a per
More informationTHE MITRE CORPORATION PPO High Deductible Plan with a Health Saving Account (HSA)
THE MITRE CORPORATION PPO High Deductible Plan with a Health Saving Account (HSA) Effective Date: 01-01-2016 PLAN FEATURES Annual Deductible $1,500 Employee $3,000 Employee $3,000 Employee + 1 Dependent
More informationIndividual. Employee + 1 Family
FUND FEATURES HealthFund Amount Individual Employee + 1 Family $750 $1,125 $1,500 Amount contributed to the Fund by the employer is reflected above. Fund Amount reflected is on a per calendar year basis.
More informationPLAN DESIGN AND BENEFITS - New York Open Access EPO 1-10/10
PLAN FEATURES Deductible (per calendar year) $1,000 Individual $3,000 Family Unless otherwise indicated, the Deductible must be met prior to benefits being payable. Member cost sharing for certain services,
More information1 exam every 12 months for members age 22 to age 65; 1 exam every 12 months for adults age 65 and older. Routine Well Child
PLAN FEATURES IN-NETWORK OUT-OF-NETWORK Deductible (per calendar year) $1,000 Individual $1,000 Individual $2,000 Family $2,000 Family All covered expenses accumulate separately toward the preferred or
More informationPLAN DESIGN AND BENEFITS STANDARD HEALTH BENEFITS PLAN NJ HMO $30 PLAN (Also Marketed As: NJ SGB HMO $30/$300/D (5/10K) Plan)
PLAN FEATURES Deductible (per calendar year) Plan Coinsurance Maximum Out-of-Pocket (per calendar year) $5,000 Individual $10,000 Family All covered expenses apply toward the Maximum Out-of-Pocket. Once
More informationPLAN DESIGN & BENEFITS - CONCENTRIC MODEL
PLAN FEATURES Deductible (per calendar year) Rice University None Family Member Coinsurance Applies to all expenses unless otherwise stated. Payment Limit (per calendar year) $1,500 Individual $3,000 Family
More informationPrepared: 04/06/2012 04:19 PM
PLAN FEATURES NON- Deductible (per calendar year) $2,000 Individual $4,000 Individual $6,000 Family $12,000 Family All covered expenses accumulate simultaneously toward both the preferred and non-preferred
More informationSPIN Effective Date: 01-01-2013 Aetna HealthFund Aetna Choice POS ll - ASC PLAN DESIGN & BENEFITS ADMINISTERED BY AETNA LIFE INSURANCE COMPANY
HealthFund Amount $1,500 Employee $1,500 Employee + 1 Dependent $1,500 Employee + 2 Dependents $1,500 Family Amount contributed to Fund by employer Fund Coinsurance 100% Percentage at which Fund will reimburse
More informationMedical plan options. Small Business Solutions. New York FOR BUSINESSES WITH 2 50 ELIGIBLE EMPLOYEES
Medical plan options Small Business Solutions New York FOR BUSINESSES WITH 2 50 ELIGIBLE EMPLOYEES Health insurance plans are offered, underwritten or administered by Aetna Life Insurance Company. 14.02.929.1-NY
More information$100 Individual. Deductible
PLAN FEATURES Deductible $100 Individual (per calendar year) $200 Family Unless otherwise indicated, the deductible must be met prior to benefits being payable. Member cost sharing for certain services,
More informationUtah Renewal Instructions
Utah Renewal Instructions For 2 50 Eligible Employees Effective August 1, 2009 Easy steps to renew your coverage 14.02.138.1-UT A (5/09) Aetna is the brand name used for products and services provided
More informationNew York Small Group Indemnity Aetna Life Insurance Company Plan Effective Date: 10/01/2010. PLAN DESIGN AND BENEFITS - NY Indemnity 1-10/10*
PLAN FEATURES Deductible (per calendar year) $2,500 Individual $7,500 Family Unless otherwise indicated, the Deductible must be met prior to benefits being payable. Member cost sharing for certain services,
More informationIL Small Group MC Open Access Aetna Life Insurance Company Plan Effective Date: 10/01/2010 PLAN DESIGN AND BENEFITS- MC CDHP $2,500 90/70 (10/10)
PLAN FEATURES Deductible (per calendar ) $2,500 Individual $5,000 Individual $7,500 Family $15,000 Family Unless otherwise indicated, the Deductible must be met prior to benefits being payable. All covered
More informationAetna HealthFund Health Reimbursement Account Plan (Aetna HealthFund Open Access Managed Choice POS II )
Health Fund The Health Fund amount reflected is on a per calendar year basis. If you do not use the entire fund by 12/31/2015, it will be moved into a Limited-Purpose Flexible Spending Account. Health
More informationRice University Effective Date: 07-01-2014 Aetna Choice POS ll - ASC PLAN DESIGN & BENEFITS ADMINISTERED BY AETNA LIFE INSURANCE COMPANY PLAN FEATURES
PLAN DESIGN & BENEFITS PLAN FEATURES NON- Deductible (per calendar year) None Individual $1,000 Individual None Family $3,000 Family All covered expenses, excluding prescription drugs, accumulate toward
More informationPLAN DESIGN & BENEFITS MEDICAL PLAN PROVIDED BY AETNA LIFE INSURANCE COMPANY
Gettysburg College, Inc. PLAN FEATURES Deductible (per calendar year) $500 Individual $1,500 Individual $1,000 Family $3,000 Family All covered expenses accumulate separately toward the preferred or non-preferred
More information20% 40% Individual Family
PLAN FEATURES NON-* Deductible (per calendar year) $2,500 Individual $3,000 Individual $5,000 Family $6,000 Family Unless otherwise indicated, the Deductible must be met prior to benefits being payable.
More informationAetna Savings Plus Plan Guide
Aetna Savings Plus Plan Guide For businesses with 2 50 eligible employees in Northeast Ohio Aetna Avenue Your Destination for Small Business Solutions Health Insurance plans are offered and/or underwritten
More information$20 office visit copay; deductible 20%; after deductible. $30 office visit copay; deductible Not Covered. $30 office visit copay; deductible waived
PLAN FEATURES IN-NETWORK OUT-OF-NETWORK Deductible (per calendar year) $300 Individual $600 Individual $600 Family $1,200 Family All covered expenses, accumulate separately toward the preferred or non-preferred
More information$25 copay. One routine GYN visit and pap smear per 365 days. Direct access to participating providers.
HMO-1 Primary Care Physician Visits Office Hours After-Hours/Home Specialty Care Office Visits Diagnostic OP Lab/X Ray Testing (at facility) with PCP referral. Diagnostic OP Lab/X Ray Testing (at specialist)
More informationAetna HealthFund Health Reimbursement Arrangement Plan
Aetna HealthFund Health Reimbursement Arrangement Plan Innovation in health benefits, giving you Greater control of your health care spending. A new way to save for future medical costs. Tools to help
More informationOrthodox HealthPlan Effective: 05-01-2015 Aetna HealthFund Open Choice (PPO)
FUND FEATURES HealthFund Amount Orthodox HealthPlan $750 Employee $1,500 Family Amount contributed to the Fund by the employer Fund amount reflected is on a per calendar year basis. The fund received may
More informationTHE CITY OF HOPE Proposed Effective Date: 01-01-2012 HMO - California PLAN DESIGN & BENEFITS PROVIDED BY AETNA HEALTH OF CALIFORNIA INC.
PLAN FEATURES Deductible (per calendar year) Out-of-Pocket Maximum (per calendar year) None Individual None Family $1,500 Individual $3,000 Family Member cost sharing for certain services may not apply
More information1 exam every 12 months for members age 22 to age 65; 1 exam every 12 months for adults age 65 and older. Routine Well Child
Open Choice (O) Maine Aetna Consumer Choice (HSA) lan LAN DESIGN & BENEFITS ROVIDED BY AETNA LIFE INSURANCE COMANY LAN FEATURES IN-NETWORK OUT-OF-NETWORK Deductible (per calendar year) $1,800 Individual
More information100% Percentage at which the Fund will reimburse Fund Administration
FUND FEATURES HealthFund Amount $750 Employee $1,500 Family Amount contributed to the Fund by the employer Fund amount reflected is on a per calendar year basis, The fund received may be prorated based
More informationPLAN DESIGN & BENEFITS PROVIDED BY AETNA HEALTH INC. - FULL RISK
PLAN FEATURES Deductible (per calendar year) PLAN DESIGN & BENEFITS None Individual None Family The family Deductible is a cumulative Deductible for all family members. The family Deductible can be met
More informationBRYN MAWR COLLEGE MEDICAL INSURANCE BENEFITS COMPARISON EFFECTIVE NOVEMBER 1, 2009
BENEFITS Description of Plan Annual Deductible (January - December) - Individual - Family PERSONAL CHOICE PPO BRYN MAWR COLLEGE KEYSTONE HEALTH PLAN EAST KEYSTONE POS Provides comprehensive health Provides
More informationPLAN DESIGN & BENEFITS PROVIDED BY AETNA HEALTH INC. AND AETNA HEALTH INSURANCE COMPANY - FULL RISK
PLAN FEATURES IN-NETWORK OUT-OF-NETWORK Deductible None Individual $750 Individual (per calendar year) None Family $2,250 Family Unless otherwise indicated, the deductible must be met prior to benefits
More information2015 Medical Plan Options Comparison of Benefit Coverages
Member services 1-866-641-1689 1-866-641-1689 1-866-641-1689 1-866-641-1689 1-866-641-1689 1-800-464-4000 Web site www.anthem.com/ca/llns/ www.anthem.com/ca/llns/ www.anthem.com/ca/llns/ www.anthem.com/ca/llns/
More informationNone Individual. Deductible (per calendar year)
PLAN FEATURES Deductible (per calendar year) UNIVERSITY OF PENNSYLVANIA POSTDOCTORAL INSURANCE PLAN None Individual None Family The family Deductible is a cumulative Deductible for all family members.
More informationOAKLAND COMMUNITY COLLEGE
OAKLAND COMMUNITY COLLEGE Flexible Compensation Plan Flex Comp Exempt Administration and Management Staff Plan Year January 1, - December 31, The benefits described in this booklet do not constitute a
More informationPLAN FEATURES ACO TIER LEVEL 1 AETNA NETWORK TIER 2 OUT-OF-NETWORK Deductible
PLAN FEATURES ACO TIER LEVEL 1 AETNA NETWORK TIER 2 OUT-OF-NETWORK Deductible $250 Individual $2,000 Individual $3,000 Individual (per calendar year) $500 Family $4,000 Family $6,000 Family Unless otherwise
More informationHow To Get A Health Care Plan In Aiowa
PLAN FEATURES Deductible (per calendar year) None Individual None Family The family Deductible is a cumulative Deductible for all family members. The family Deductible can be met by a combination of family
More informationBENEFIT PLAN. What Your Plan Covers and How Benefits are Paid. Appendix A. Prepared Exclusively for The Dow Chemical Company
Appendix A BENEFIT PLAN Prepared Exclusively for The Dow Chemical Company What Your Plan Covers and How Benefits are Paid Choice POS II (MAP Plus Option 2 - High Deductible Health Plan (HDHP) with Prescription
More informationAetna Savings Plus plan guide
Quality health plans & benefits Healthier living Financial well-being Intelligent solutions Aetna Savings Plus plan guide New health plans designed with Tennessee businesses in mind For businesses with
More informationPace University CIGNA Medical Detailed Benefit Summaries July 1, 2015 - June 30, 2016
Consumer Core HDHP In Net $50 (ONLY APPLICABLE TO THOSE Network Core $25 ALREADY ENROLLED) Network Choice Fund In Network In Network In Network Deductible $1,300/$2,600 (Cumulative) N/A N/A Coinsurance
More informationCigna Open Access Plans for Tennessee
Individual & Family Plans Insured by Connecticut General Life Insurance Company Cigna Open Access Plans for Tennessee medical & PHARMACY INSURANCE with the ONE-AND-ONLY YOU IN MIND. 858436 a 12/12 Services
More informationSUMMARY OF BENEFITS. Cigna Health and Life Insurance Co. Grand County Open Access Plus Effective 1/1/2015
SUMMARY OF BENEFITS Cigna Health and Life Insurance Co. Grand County Open Access Plus Effective General Services In-Network Out-of-Network Primary care physician You pay $25 copay per visit Physician office
More informationAetna Savings Plus plan guide
Quality health plans & benefits Healthier living Financial well-being Intelligent solutions Aetna Savings Plus plan guide New health plans designed with Florida businesses in mind For businesses with 2-100
More informationFUND FEATURES HealthFund Amount
FUND FEATURES HealthFund Amount Miami Dade College $750 Employee $1,500 Family Amount contributed to the Fund by the employer Fund amount reflected is on a per calendar year basis. The fund received may
More informationAdditional Information Provided by Aetna Life Insurance Company
Additional Information Provided by Aetna Life Insurance Company Inquiry Procedure The plan of benefits described in the Booklet-Certificate is underwritten by: Aetna Life Insurance Company (Aetna) 151
More informationFEATURES NETWORK OUT-OF-NETWORK
Schedule of Benefits Employer: The Vanguard Group, Inc. ASA: 697478-A Issue Date: January 1, 2014 Effective Date: January 1, 2014 Schedule: 3B Booklet Base: 3 For: Choice POS II - 950 Option - Retirees
More informationBronze Plus Plan Coverage Period: 01/01/2014-12/31/2014
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.altogethergreat.com or by calling the Member Service
More informationSUMMARY OF BENEFITS. Cigna Health and Life Insurance Co. Laramie County School District 2 Open Access Plus Base - Effective 7/1/2015
SUMMARY OF BENEFITS Cigna Health and Life Insurance Co. Laramie County School District 2 Open Access Plus Base - Effective General Services In-Network Out-of-Network Physician office visit Urgent care
More informationRIT Blue Point2 POS B Coverage Period: 01/01/2016-12/31/2016 Summary of Benefits and Coverage: What this Plan Covers & What it Costs
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.excellusbcbs.com or by calling 1-800-499-1275/V;
More information2015 plan comparison guide
2015 plan comparison guide Groups of 1 50 Plans available Jan. 1, 2015, through Dec. 31, 2015 Washington Better health starts here Hello. Welcome to Moda Health, the place you go when you want more than
More informationHow Emeriti's Medical Plans Work With Medicare
POST65NATPCC 2015 Post-65 Medical and Rx Comparison Chart National Group Insurance Options Underwritten by Aetna Emeriti offers two types of medical plans aligning in different ways with Medicare Parts
More informationAnswers. Why this Matters:
Aetna HDHP What is the overall deductible? Do I need a referral to see a specialist? Are there this plan doesn't cover? Yes. This is only a summary. If you want more details about your coverage and costs,
More informationHealth Insurance Matrix 01/01/16-12/31/16
Employee Contributions Family Monthly : $121.20 Bi-Weekly : $60.60 Monthly : $290.53 Bi-Weekly : $145.26 Monthly : $431.53 Bi-Weekly : $215.76 Monthly : $743.77 Bi-Weekly : $371.88 Employee Contributions
More informationCovered 100% No deductible Not Applicable (exam, related tests and x-rays, immunizations, pap smears, mammography and screening tests)
A AmeriHealth EPO Individual Summary of Benefits Value Network IHC EPO $30/50% Benefit Network Non network Benefit Period+ Calendar year Individual deductible $2,500 Family deductible $5,000 50% Individual
More informationFASHION INSTITUTE OF TECHNOLOGY : Aetna Open Access Elect Choice
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.healthreformplansbc.com or by calling 1-888-982-3862.
More informationServices and supplies required by Health Care Reform Age and frequency guidelines apply to covered preventive care Not subject to deductible if PPO
Page 1 of 5 Individual Deductible Calendar year $400 COMBINED Individual / Family OOP Calendar year $4,800 Individual $12,700 per family UNLIMITED Annual Maximum July 1 st to June 30 th UNLIMITED UNLIMITED
More informationINDIVIDUAL PLANS SOUTH CAROLINA OPEN ACCESS 1000
BENEFIT IN NETWORK OUT OF NETWORK This plan is intended to comply with the federal Patient Protection and Affordable Care Act. Provisions are subject to change as additional regulatory guidance becomes
More informationLand 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 informationS 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 informationLEGACY PLAN Medical In-Ntwk Out-of-Ntwk
Preventive Services Age, gender and frequency criteria Adult physical/immunizations Well child visits/immunizations Screenings 0 Co-Insurance (after deductible) Out-of-Pocket Maximums Office Visit (copays)
More informationWhat 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.anthem.com/cuhealthplan or by calling 1-800-735-6072.
More informationPPO Schedule of Payments (Maryland Large Group) Qualified High Deductible Health Plan National QA2000-20
PPO Schedule of Payments (Maryland Large Group) Qualified High Health Plan National QA2000-20 Benefit Year Individual Family (Amounts for Participating and s services are separated in calculating when
More informationYour 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 informationInternational Student Health Insurance Program (ISHIP) 2014-2015
2014 2015 Medical Plan Summary for International Students Translation Services If you need an interpreter to help with oral translation services, you may contact the LifeWise Customer Service team at 1-800-971-1491
More information2015 Medical Plan Summary
2015 Medical Plan Summary AVMED POS PLAN This Schedule of Benefits reflects the higher provider and prescription copayments for 2015. This is not a contract, it s a summary of the plan highlights and is
More informationGreater Tompkins County Municipal Health Insurance Consortium
WHO IS COVERED Requires both Medicare A & B enrollment. Type of Coverage Offered Single only Single only MEDICAL NECESSITY Pre-Certification Requirement None None Medical Benefit Management Program Not
More informationIndependence Blue Cross Plan Summary PPO Core Medical Plan
TO: FROM: SUBJECT: MLH Medical Plan Participants MLH Human Resources Benefits Team Independence Blue Cross Plan Summary PPO Core Medical Plan Attached you will find the Independence Blue Cross (IBC) Plan
More informationUT HMO 3000 80/60 UT HMO 2000 70/50 UT HMO 2000 80/60 HSA. In Network In Network In Network $3,000/$6,000 $2,000/$4,000 $2,000/$4,000
Aetna 51-100 HealthNetworkOnly Member benefits Plan name UT HMO 3000 80/60 UT HMO 2000 70/50 UT HMO 2000 80/60 HSA In Network In Network In Network Calendar year deductible (Individual/Family) Calendar
More informationSherwin-Williams Medical, Prescription Drug and Dental Plans Plan Comparison Charts
Sherwin-Williams Medical, Prescription Drug and Dental Plans Plan Comparison Charts You and Sherwin-Williams share the cost of certain benefits including medical and dental coverage and you have the opportunity
More informationApply Two Ways SECTION 5
Apply Two Ways SECTION 5 There are two convenient ways to apply: BY PHONE Call 1-866-286-3155 Speak to an Aetna authorized agent. ONLINE Here s how the application process works and what to expect in the
More informationS 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 informationYour 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 informationBenefits 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: THE LASIK VISION INSTITUTE, LLC : Aetna Choice POS II - Coverage Period: 03/01/2014-02/28/2015
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 at www.healthreformplansbc.com or by calling 1-888-982-3862.
More information: MARSH & MCLENNAN COMPANIES: Aetna HealthFund Aetna Choice POS II - HSA $1500 DED
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.aetna.com or by calling 1-866-374-2662. Important Questions
More informationImportant 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.boonchapman.com or by calling 1-800-252-9653. Important
More informationUBI : Smart Deductible EPO Coinsurance 308 Silver
UBI : Smart Deductible EPO Coinsurance 308 Silver 01/01/2015-12/31/2015 Individual + Family EPO www.cdphp.com 1-877-269-2134 In-Network: $3,000 individual/$6,000 family. Deductible does not apply to preventive
More informationOperating 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