Important Questions Answers Why this Matters:

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1 Blue Cross and Blue Shield of North Carolina: Blue Select Silver Enhanced 1000 Coverage Period: 01/01/ /31/2016 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Individual + Family Plan Type: PPO 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 Important Questions Answers Why this Matters: What is the overall? Are there other s for specific services? Is there an out of pocket limit on my expenses? What is not included in the out of pocket limit? In-Network $1,000 Individual / $2,000 Family. Out-of-Network $2,000 Individual / $4,000 Family. Doesn't apply to In-Network preventive care. Coinsurance and copayments do not apply to the. No. Yes. In-Network $2,000 Individual / $4,000 Family. Out-of-Network $4,000 Individual / $8,000 Family. Premiums, balance-billed charges, health care this plan doesn t cover and penalties for failure to obtain pre-authorization for services. You must pay all the costs up to the amount before this plan begins to pay for covered services you use. Check your policy or plan document to see when the starts over (usually, but not always, January 1st). See the chart starting on page 3 for how much you pay for covered services after you meet the. You don't have to meet s for specific services, but see the chart starting on page 3 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. 1 of U000116

2 Important Questions Answers Why this Matters: Is there an overall annual limit on what the plan pays? 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? No. Yes. For a list of In-Network providers, see providersearch/index.htm or call No. You don't need a referral to see a specialist. Yes. The chart starting on page 3 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 3 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 9. See your policy or plan document for additional information about excluded services. 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. 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 s, copayments, and coinsurance amounts. 2 of 13

3 Primary care visit to treat an injury or illness $5 copayment/ visit / visit If you visit a health care provider's office or clinic Specialist visit Other practitioner office visit $10 copayment/ visit for Tier 1 ; $20 copayment/ $10 copayment/ Chiropractic visit for Tier 1 ; $20 copayment/ Chiropractic visit for Tier 2 / visit / Chiropractic visit Limits may apply. Preventive care/screening/immunization No Charge Not Covered Limits may apply. If you have a test Diagnostic test (x-ray, blood work) Imaging (CT/PET scans, MRIs) / visit for Tier 1 ; 50% after / / visit for Tier 1 ; 50% after / No coverage for tests not ordered by a doctor. 3 of 13

4 If you need drugs to treat your illness or condition Tier 1 Drugs $10 copayment $10 copayment No coverage for drugs in excess of quantity limits, or therapeutically equivalent to an over the counter drug. For Infertility, dosage limits apply. More information about prescription drug coverage is available at ntent/services/formul ary/presdrugben.htm Tier 2 Drugs $25 copayment $25 copayment Same as above. Tier 3 Drugs $50 copayment $50 copayment Same as above. Tier 4 Drugs $70 copayment $70 copayment Same as above. Tier 5 Drugs 25% 25% Coverage is limited to a 30 day supply. If you have outpatient surgery Facility fee (e.g., ambulatory surgery center) Physician/surgeon fees If you need immediate medical attention Emergency room services Emergency medical transportation Urgent care $100 copayment/ visit $10 copayment/ visit $100 copayment/ visit $10 copayment/ visit 4 of 13

5 Facility fee (e.g., hospital room) If you have a hospital stay Physician/surgeon fee / visit for Tier 1 ; 50% after / 5 of 13

6 Mental/Behavioral health outpatient services $10 copayment/ office visit ; / outpatient for Tier 1 / $20 copayment/ office visit ; 50% after / outpatient for Tier 2 If you have mental health, behavioral health, or substance abuse needs Mental/Behavioral health inpatient services Substance use disorder outpatient services / visit for Tier 1 ; 50% after / $10 copayment/ office visit ; / outpatient for Tier 1 / $20 copayment/ office visit ; 50% after / outpatient for Tier 2 Substance use disorder inpatient services / visit for Tier 1 ; 50% after / 6 of 13

7 If you are pregnant Prenatal and postnatal care Delivery and all inpatient services / for Tier 1 ; 50% after / for Tier 2 / visit for Tier 1 ; 50% after / 7 of 13

8 Home health care Prior authorization may be required for benefits to be provided. Rehabilitation services $10 copayment Coverage is limited to 30 visits per benefit period for Rehabilitation and Habilitation services combined, for Occupational Therapy/Physical Therapy/Chiropractic and 30 visits per benefit period for Speech Therapy. If you need help recovering or have other special health needs Habilitation services $10 copayment Coverage is limited to 30 visits per benefit period for Rehabilitation and Habilitation services combined, for Occupational Therapy/Physical Therapy/Chiropractic and 30 visits per benefit period for Speech Therapy. Skilled nursing care Coverage is limited to 60 days per benefit period. Precertification required. Durable medical equipment Prior authorization may be required for benefits to be provided. Limits may apply. Hospice service Precertification required for inpatient services. 8 of 13

9 Eye exam $5 copayment Limits may apply. If your child needs dental or eye care Glasses 50% no 50% no Limited to one pair of glasses or contacts per benefit period. Dental check-up No Charge Limited to twice per benefit period. 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 Cosmetic Surgery and Services Dental Care (Adult) Routine Eye Care (Adult) Long Term Care, Respite Care, Rest Cures Routine Foot Care Weight Loss Programs Abortion (Except in cases of rape, incest, or when the life of the mother is endangered) 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 Chiropractic care Hearing aids up to age 22 Infertility Treatment Non-emergency care when traveling outside the U.S. Coverage provided outside the United States. See Private duty nursing 9 of 13

10 Your Rights to Continue Coverage: Federal and State laws may provide protections that allow you to keep this 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 BCBSNC at You may also contact your state insurance department at 1201 Mail Service Center, Raleigh, NC , or toll free 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: North Carolina Department of Insurance at 1201 Mail Service Center, Raleigh, NC , or toll free Additionally, a consumer assistance program can help you file your appeal. Services provided by Health Insurance Smart NC are available through the North Carolina Department of Insurance. Contact Health Insurance Smart NC, North Carolina Department of Insurance, 1201 Mail Service Center, Raleigh, NC , Toll free: (855) 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. Language Access Services: 10 of 13

11 To see examples of how this plan might cover costs for a sample medical situation, see the next page. 11 of 13

12 About these Coverage Examples: Having a baby (normal delivery) Managing type 2 diabetes (routine maintenance of a well-controlled condition) 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 will also be different. Amount owed to providers: $7,540 Amount owed to providers: $5,400 Plan pays $5,340 Plan pays $3,700 Patient pays $2,200 Patient pays $1,700 Sample care costs: Sample care costs: Hospital charges (mother) $2,700 Prescriptions $2,900 Routine obstetric care $2,100 Medical Equipment and Supplies $1,300 Hospital charges (baby) $900 Office Visits and Procedures $700 Anesthesia $900 Education $300 Laboratory tests $500 Laboratory tests $100 Prescriptions $200 Vaccines, other preventive $100 Radiology $200 Total $5,400 Vaccines, other preventive $40 Total $7,540 Patient pays: Deductibles $1,000 Patient pays: Copays $400 Deductibles $1,000 Coinsurance $200 Copays $10 Limits or exclusions $80 Coinsurance $1,000 Total $1,700 Limits or exclusions $200 Total $2,200 See the next page for important information about these examples. 12 of 13

13 Questions and answers about the Coverage Examples: What are some of the assumptions behind the Coverage Examples? 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 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 in-network 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 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 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 you pay. Generally, the lower your premium, the more you'll pay in out-of-pocket costs, such as copayments, s, and coinsurance. You should also 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. 13 of 13