SECTION A. Summary of Benefits LW-V, 10/09
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1 SECTION A. Summary of Benefits LW-V, 10/09 This Summary is part of your Benefit Handbook. It states the Cost Sharing amounts that you must pay for Covered Benefits and some important limitations on your coverage. Your benefits are being provided on a Plan Year basis. Your Plan Year begins on your Employer s Anniversary Date. Please see your Benefit Handbook for more details. If you do not know your Employer s Anniversary Date, please contact your Employer s benefits office or call the Member Services Department at For complete information on Covered Benefits, including limitations on your coverage, you must refer to Section C., ( Covered Benefits ) of the Benefit Handbook. For information on how the HealthFirst Group HMO works, please see Section B., ( About the Plan ) of the Benefit Handbook. General Cost Sharing Features: Copayments (Please see Section B.2.f.2., ( Copayment ) for details on the PCP and Specialist Copayments) Deductibles The Tier 1 and Tier 2 Deductibles are combined in this Plan. See Covered Benefits below Tier 1: $2,500 Individual $5,000 Family Tier 2: $4,000 Individual $8,000 Family Out-of-Pocket Maximum Covered Benefits (does not include Prescription Drugs) Out-of-Pocket Maximum Prescription Drugs Covered Benefits: Outpatient Professional Services $5,000 per Member $10,000 per family $5,000 per Member $10,000 per family Ambulance Transport, Non-Emergency Subject to Tier 1 Deductible Cardiac Rehabilitation PCP: Diagnostic Laboratory Tests and Procedures, except for the following three services: Colonoscopy $250 Copayment Hospital-based Outpatient, Inpatient or ER Diagnostic Laboratory Tests and Procedures X-rays, MRI, CT and PET Scans Dialysis Early Intervention Services - $3,200 per Plan Year, up to $9,600 per lifetime PCP: Formulas and Low Protein Foods Home Care and Hospice S1
2 Covered Benefits: Physical therapy limited to 20 visits per Plan Year Occupational therapy limited to 20 visits Plan Year Speech therapy limited to 20 visits per Plan Year Outpatient: $50 Copayment Inpatient: Physician Services, except the services listed below: PCP: Routine physical examinations (including family planning and well child care), Immunizations, Lead level testing, PSA, Women s health (including mammography and annual gynecological examinations), Preventive laboratory tests and procedures; and An Annual Care Plan for Chronic Illnesses Prenatal and Postpartum Care Allergy Injections Routine Hearing Examination Surgical Day Care Telemedicine Urgent Care Services Vision Hardware for Special Conditions Ambulance Transport, Emergency Emergency Dental Care - in a professional office within 72 hours of injury Emergency Room Facility Charges Emergency Room Physician Charges Ages 0-18: Ages 19 and older: PCP: PCP: $100 Copayment per visit Subject to Tier 1 Deductible $50 Copayment $200 Copayment This Copayment is waived if admitted directly to the hospital from the emergency room. Subject to Tier 1 Deductible S2
3 Covered Benefits: Inpatient Services Acute Hospital Care Maternity Care (routine nursery charges for newborn care are covered in full) Rehabilitation Hospital up to 60 days per Plan Year Skilled Nursing Facility Care up to 100 days per Plan Year Mental Health Services Important Note: Benefit limits do not apply to care for Serious Mental Illnesses. See Section C.5.a. for details. Inpatient Care limited to 30 days per Plan Year Partial Hospitalization limited to 60 days per Plan Year Please note: Each partial hospitalization day counts as one-half of an inpatient day and is deducted from the limit available for inpatient care. Outpatient Care limited to 20 visits per Plan Year Group Therapy Individual Therapy Medication Management Psychological Testing $10 Copayment Drug and Alcohol Rehabilitation Services Inpatient Care limited to 30 days per Plan Year Partial Hospitalization limited to 60 days per Plan Year Please note: Each partial hospitalization day counts as one-half of an inpatient day and is deducted from the limit available for inpatient care. Outpatient Care limited to 20 visits per Plan Year Group Therapy Individual Therapy Inpatient Detoxification Outpatient Detoxification $10 Copayment S3
4 Covered Benefits: Durable Medical Equipment and Prosthetic Devices Limited to $3,000 per member per Plan Year for all covered equipment. This limit does not apply to the five items listed below. Blood Glucose Monitors, Insulin Pumps and Infusion Devices Breast Prostheses, including Replacements and Mastectomy Bras Medical Equipment and Supplies for Diabetes Treatment Oxygen and Respiratory Equipment Prosthetic Arms and Legs Prescription Drugs Three Tier Coverage Tier 1 Drugs $10 Tier 2 Drugs $35 Tier 3 Drugs $50 90 day Mail Order Tier 1 Drugs $30 Tier 2 Drugs $105 Tier 3 Drugs $150 S4
5 a. The Plan does not cover: 1. Services your PCP or an HPHC-NE Provider has not provided, arranged or approved except: (1) in a Medical Emergency, (2) when you are outside of the Service Area; or (3) the special services that do not require a referral, listed in Section B.2.i., ( Services That Do Not Require a Referral ). 2. Services for cosmetic purposes, except as described in this Handbook. 3. Commercial diet plans, weight loss programs and any services in connection with such plans or programs. 4. Gender reassignment surgery and all related drugs and procedures. 5. Dental Care, except the specific dental services covered under this Benefit Handbook. 6. Any products or services, including, but not limited to, drugs, devices, treatments, procedures, and diagnostic tests, that are Experimental, Unproven, or Investigational. 7. Refractive eye surgery, including, but not limited to, lasik surgery, orthokeratology and lens implantation for the correction of myopia, hyperopia and astigmatism. 8. Transportation other than by ambulance. 9. Cost for any services for which you are entitled to treatment at government expense, including military service connected disabilities. 10. Costs for services for which payment is required to be made by a Workers' Compensation plan or an employer under state or federal law. 11. Hair removal or restoration, including, but not limited to, electrolysis, laser treatment, transplantation or drug therapy. 12. Educational services or testing. No benefits are provided: (1) for educational services intended to enhance educational achievement; (2) to resolve problems of school performance; or (3) to treat learning disabilities. 13. Sensory integrative praxis tests. 14. Testing of central auditory processing. 15. Physical examinations and testing for insurance, licensing or employment. 16. Routine foot care, biofeedback, pain management programs, and sports medicine clinics. 17. Vocational rehabilitation, or vocational evaluations on job adaptability, job placement, or therapy to restore function for a specific occupation. 18. Charges after the date on which your membership ends. 19. Charges for missed appointments. 20. All institutional charges over the semi-private room rate, except when a private room is Medically Necessary. 21. Inpatient charges after your hospital discharge. 22. Follow-up care after an emergency room visit, unless provided or arranged by your PCP. 23. Rest or Custodial Care. 24. Personal comfort or convenience items (including telephone and television charges). 25. Exercise equipment. 26. Wigs, except as required by state law. 27. Repair or replacement of durable medical equipment or prosthetic devices as a result of loss, negligence, S5
6 willful damage, or theft. 28. Non-durable medical equipment, unless used as part of the treatment at a medical facility or as part of approved home health care services. 29. Any devices or special equipment needed for sports or occupational purposes. 30. Any home adaptations, including, but not limited to home improvements and home adaptation equipment. 31. Reversal of voluntary sterilization (including any services for infertility related to voluntary sterilization or its reversal.) 32. Any form of surrogacy. 33. Infertility treatment for Members who are not medically infertile. 34. Routine maternity care when you are traveling outside the Service Area. 35. Delivery outside the Service Area after the 37th week of pregnancy, or after you have been told that you are at risk for early delivery. 36. Care by a chiropractor outside the scope of standard chiropractic practice, including but not limited to, surgery, prescription or dispensing of drugs or medications, internal examinations, obstetrical practice, or treatment of infections and diagnostic testing for chiropractic care other than an initial X-ray. 37. Services for which no charge would be made in the absence of insurance. 38. Charges for any products or services, including, but not limited to, professional fees, medical equipment, drugs, and hospital or other facility charges, that are related to any care that is not a Covered Benefit under this Handbook. 39. Services for non-members. 40. Services or supplies provided by: (1) anyone related to you by blood, marriage or adoption, or (2) anyone who ordinarily lives with you. 41. Home health care services that extend beyond care on a short-term intermittent basis. 42. Private duty nursing. 43. A provider's charge to file a claim or to transcribe or copy your medical records. 44. Any service or supply furnished along with a non-covered Benefit. 45. Taxes or governmental assessments on services or supplies. 46. Eyeglasses, contact lenses and fittings, except as listed in this Benefit Handbook. 47. Acupuncture, aromatherapy, treatment with crystals and alternative medicine. 48. Myotherapy. 49. Methadone maintenance. 50. Services for which no coverage is provided in this Benefit Handbook or Prescription Drug Brochure (if applicable). 51. If a service is listed as requiring that it be provided at a Center of Excellence, no coverage will be provided under this Handbook if that service is received from a Provider that has not been designated as a Center of Excellence by HPHC-NE. Please see Section B.2.e. ( Centers of Excellence ) for further information. 52. Massage therapy when performed by anyone other than a licensed physical therapist, physical therapy assistant, occupational therapist, or certified occupational therapy assistant. S6
7 53. Health resorts, recreational programs, camps, wilderness programs, outdoor skills programs, relaxation or lifestyle programs, including any services provided in conjunction with, or as part of, such types of programs. 54. Unless otherwise specified in this Benefit Handbook or the Summary of Benefits (and required by New Hampshire law), the Plan does not cover food or nutritional supplements, including FDA-approved medical foods obtained by prescription. 55. Preventive Dental Care for children 56. Extraction of teeth impacted in bone. 57. Chiropractic care. 58. Therapeutic donor insemination, including related sperm procurement and banking. 59. Advanced reproductive technologies, including, but not limited to, in-vitro fertilization (IVF), gamete intrafallopian transfer (GIFT), zygote intrafallopian transfer (ZIFT), intra-cytoplasmic sperm injection (ICSI), and donor egg procedures, including related egg and inseminated egg procurement, processing and banking. 60. Foot orthotics. 61. Hearing aids. 62. Services for any condition with only a V Code designation in the Diagnostic and Statistical Manual of Mental Disorders, which means that the condition is not attributable to a mental disorder S7
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