Bronze Plus Plan Coverage Period: 01/01/ /31/2014

Transcription

1 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 or by calling the Member Service number listed on the back of your ID card. Important Questions Answers Why This Matters: What is the overall? Are there other s for specific services? $3,000 person/$6,000 family for innetwork; $6,000 person/$12,000 family for out- of-network. Doesn't apply to In-Network preventive care. No See the chart starting on page 2 for how much you pay for covered services. You don t have to meet s for specific service, but see the chart starting on page 2 for other costs for services this plan covers. 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 insurer pays? Yes. $6,250 person/$12,500 family for in-network; $12,500 person/$25,000 family for out- of-network. $2,000 for speacialty drugs. Premium (deductions), balanced-billed charges, health care this plan doesn t cover, penalties for failure to obtain pre-notification for services, and prescriptions. No The out-of-pocket limit is the most you could pay in Co-insurance during a calendar 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 outof-pocket limit. The chart starting on page 2 describes specific coverage limits, such as limits on the number of office visits. Does this plan use a network of providers? Do I need a referral to see a specialist? Are there services this plan doesn t cover? Yes, this plan uses network providers. For a list of network providers, see your plan s online provider directory or call the Member Services number listed on the back of your ID card. No If you use a network doctor or other health care provider, this plan will pay some or all of the costs of covered services. Be aware, your network doctor or hospital may use a non-network provider for some services. Plans use the term 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 a network specialist you choose without permission from this plan. Yes Some of the services this plan doesn t cover are listed on page 5. or call Member Services to request a copy. 1 of 8

2 Co-payments (copays) are fixed dollar amounts (for example, $15) you pay for covered health care, usually when you receive the service. Co-insurance 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 Co-insurance payment of 20% would be $200. The amount the plan pays for covered services is based on the allowed amount. If a non-network provider charges more than the allowed amount, you may have to pay the difference. For example, if a non-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 only covers services if rendered by network providers. Exceptions include emergency services as described in your policy. Common Medical Event If you visit a health care provider s office or clinic If you have a test Services You May Need Primary care visit to treat an injury or illness Specialist visit Other practitioner office visit Preventive care / screening / immunization Diagnostic test (x-ray, blood work) Imaging (CT / PET scans, MRIs) Your cost if you use an Network Non-network No Charge, waived Limitations & Exceptions Limits may apply Prior authorization required or services will not be covered. If you need drugs to treat your illness or condition Tier 1 Generic $10 copay (retail) $20 copay (mail order) Not Covered Coverage is limited up to a 30 day supply (retail) and up to a 90 day supply (mail order). Members are required to fill maintenance medications through the Maintenance Choice program. Other limitations, including prior authorization, may apply. or call Member Services to request a copy. 2 of 8

3 Common Medical Event Coverage provided by CVS Caremark. More information about prescription drug coverage is available at mpass If you have outpatient surgery If you need immediate medical attention Services You May Need Tier 2 Formulary (Preferred) Tier 3 Non-formulary (Non-Preferred) Tier 4 Specialty Facility fee (example, ambulatory surgery center) Physician / surgeon fees Emergency room services Your cost if you use an Network 50% Co-insurance min $50, max $100 out-of-pocket (retail) 50% Co-insurance min $100, max $200 out-of-pocket (mail order) 50% Co-insurance, min $75, max $150 out-of-pocket (retail) 50% Co-insurance, min $150, max $300 out-of-pocket (mail order) 100%, after $10 copay (generic) 50% coinsurance, min $75, max $125 out-of-pocket (brand) Non-network Not Covered Not Covered Not Covered 40% Co-insurance, Limitations & Exceptions Coverage is limited up to a 30 day supply (retail) and up to a 90 day supply (mail order). Additional costs to the member will apply when a generic is available, but the pharmacy dispenses the brand-name medication for any reason. Members are required to fill maintenance medications through the Maintenance Choice program. Other limitations, including prior authorization, may apply. Coverage is limited up to a 30 day supply (retail) and up to a 90 day supply (mail order). Members are required to fill maintenance medications through the Maintenance Choice program. Other limitations, including prior authorization, may apply. Coverage is limited up to a 30 day supply. Annual out-of-pocket maximum is $2,000. Only covered Out-of-network when a life threatening emergency exists or call Member Services to request a copy. 3 of 8

4 Common Medical Event If you have a hospital stay If you have mental health, behavioral health, or substance abuse needs If you are pregnant If you need help recovering or have other special health needs Services You May Need Emergency medical transportation Urgent care Facility fee (example: hospital room) Physician / surgeon fees Mental / Behavioral health outpatient services Mental / Behavioral health inpatient services Substance use disorder outpatient services Substance use disorder inpatient services Prenatal and postnatal care Delivery and all inpatient services Home health care Rehabilitation services Your cost if you use an Network Non-network 40% Co-insurance, Limitations & Exceptions Only covered Out-of-network when a life threatening emergency exists Precertification is required Precertification may be required Precertification is required Precertification may be required Precertification is required 100 days per calendar year. Prior authorization is required or services will not be covered. Limits may apply Habilitation services Not Covered Not Covered Excluded Skilled nursing care 120 days per calendar year. Precertification required or call Member Services to request a copy. 4 of 8

5 Common Medical Event If your child needs dental or eye care Services You May Need Durable medical equipment Your cost if you use an Network Non-network Limitations & Exceptions Prior authorization may be required. Limits may apply Hospice service Limits may apply Eye exam Not Covered Not Covered Excluded Glasses Not Covered Not Covered Excluded Dental check-up Not Covered Not Covered Excluded Services Your Plan Does NOT Cover (This isn t a complete list. Check your policy or plan document for other excluded services.) Acupuncture Cosmetic Surgery Non-emergency care when traveling outside the Artificial insemination Dental check- up U.S. Benefits paid as a result of the injuries Glasses or Routine eye care (adult) Orthotics caused by another party may need to be Habilitation Service Private-duty nursing Reverse sterilization repaid to the health plan or paid for by In-vitro fertilization Weight Loss Programs another party under certain circumstances Long-term care 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.) Bariatric surgery may be covered with limitations Infertility Treatment may be covered with limitations Routine foot care may be covered with limitations Hearing aids may be covered with limitations or call Member Services to request a copy. 5 of 8

6 Your Rights to Continue Coverage: If you lose coverage under the plan, then, depending upon the circumstances, Federal and State laws may provide protections that allow you to keep health coverage. Any such rights may be limited in duration and will require you to pay a premium, which may be significantly higher than the premium (deduction) you pay while covered under the plan. Other limitations on your rights to continue coverage may also apply. For more information on your rights to continue coverage, contact the plan at You may also contact your state insurance department, the U.S. Department of Labor, Employee Benefits Security Administration at or or the U.S. Department of Health and Human Services at x61565 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 Member Services at the number on the back of your ID card or visit Additionally, a consumer assistance program can help you file your appeal. A list of states with Consumer Assistance Programs is available at and Does this Coverage Provide Minimum Essential Coverage? The Affordable Care Act requires most people to have health care coverage that qualifies as minimum essential coverage. This plan or policy does provide minimum essential coverage. Does this Coverage Meet the Minimum Value Standard? The Affordable Care Act establishes a minimum value standard of benefits of a health plan. The minimum value standard is 60% (actuarial value). This health coverage does meet the minimum value standard for the benefits it provides. Language Access Services: Para obtener asistencia en español, llame al número de teléfono en su tarjeta de identificación. Dine k'ehji shich'i' hadoodzih ninizingo, bee neehozin biniiye nanitinigii number bikaa'igii bich'i' hodiilnih. Para sa tulong sa Tagalog, tawagan ang numero sa iyong ID card To see examples of how this plan might cover costs for a sample medical situation, see the next page or call Member Services to request a copy. 6 of 8

7 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. This is not a cost estimator. Don t use these examples to estimate your actual costs under this plan. The actual care you receive will be different from these examples, and the cost of that care also will be different. If other than individual coverage, the Patient Pays amount may be more. See the next page for important information about these examples. Having a baby (normal delivery) Amount owed to providers: $7540 Plan pays $2650 You pay $4890 Sample care costs: Hospital charges (mother) $2700 Routine obstetric care $2100 Hospital charges (baby) $900 Anesthesia $900 Laboratory tests $500 Prescriptions $200 Radiology $200 Vaccines, other preventive $40 Total $7540 Patient pays: Deductibles $3000 Co-pays $20 Co-insurance $1720 Limits or exclusions $150 Total $4890 Managing type 2 diabetes (routine maintenance of a well-controlled condition) Amount owed to providers: $5400 Plan pays $1690 You pay $3710 Sample care costs: Prescriptions $2900 Medical Equipment & Supplies $1300 Office Visits and Procedures $700 Education $300 Laboratory tests $100 Vaccines, other preventive $100 Total $5400 Patient pays: Deductibles $3000 Co-pays $200 Co-insurance $430 Limits or exclusions $80 Total $3710 or call Member Services to request a copy. 7 of 8

8 Questions and answers about Coverage Examples: What are some of the assumptions behind the Coverage Examples? Costs don t include premiums (deductions). Sample care costs are based on national averages supplied to 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 coverage 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 innetwork providers. If the patient had received care from out-of-network providers, costs would have been higher. What does a Coverage Example show? For each treatment situation, the Coverage Example helps you see how s, copayments, and Co-insurance 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 this condition 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. Can I use Coverage Examples to compare plans? 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 in 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 (deduction) you pay. Generally, the lower your premium (deduction), the more you ll pay in out-of-pocket costs, such as copayments, s, and Co-insurance. You should also consider contributions to accounts such as health savings accounts (HSAs), flexible spending accounts (FSAs) or health reimbursement accounts (HRAs) that help you pay out-of-pocket expenses. or call Member Services to request a copy. 8 of 8