Summary of Benefits and Coverage: What this Plan Covers & What You Pay For Covered Services Coverage Period:01/01/ /31/2019

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1 Summary of Benefits and Coverage: What this Plan Covers & What You Pay For Covered Services Coverage Period:01/01/ /31/2019 Standard Health Plan: CHI/Blue Cross Blue Shield of Illinois Coverage for: Individual & Family Plan Type: PPO The Summary of Benefits and Coverage (SBC) document will help you choose a health plan. The SBC shows you how you and the plan would share the cost for covered health care services. NOTE: Information about the cost of this plan (called the premium) will be provided separately. This is only a summary. For more information about your coverage, or to get a copy of the complete terms of coverage, visit or call For general definitions of common terms, such as allowed amount, balance billing,, copayment, deductible, provider, or other underlined terms, see the Glossary. You can view the Glossary at or call to request a copy. Important Questions Answers Why This Matters: What is the overall deductible? Are there services covered before you meet your deductible? Are there other deductibles for specific services? What is the out-of-pocket limit for this plan? What is not included in the out-of-pocket limit? CHI /Facility: $0 individual /$0 family per calendar year In-Network : $1,750 individual /$3,500 family per calendar year Out-of-Network : $3,500 individual /$7,000 family per calendar year Yes. Well-child care, your drug card costs, first colonoscopy and mammogram of the benefit period, ambulance services, in-network mental health/substance abuse, in-network office services, preventive care, and services subject to copayments are covered before you meet your deductible. No. CHI /Facility: $3,750 individual /$7,500 family per calendar year In-Network : $3,750 individual /$7,500 family per calendar year Out-of-Network : $12,000 individual /$24,000 family per calendar year Premiums, pre-service review penalties, balance-billed charges, and health care this plan doesn t cover. Generally, you must pay all the costs from providers up to the deductible amount before this plan begins to pay. If you have other family members on the plan, each family member must meet their own individual deductible until the total amount of deductible expenses paid by all family members meets the overall family deductible. This plan covers some items and services even if you haven t yet met the deductible amount. But a copayment or may. For example, this plan covers certain preventive services without cost sharing and before you meet your deductible. See a list of covered preventive services at You don t have to meet deductibles for specific services. The out-of-pocket limit is the most you could pay in a year for covered services. If you have other family members in this plan, they have to meet their own out-of-pocket limits until the overall family out-of-pocket limit has been met. Even though you pay these expenses, they don t count toward the out-ofpocket limit. 1 of 8

2 Important Questions Answers Why This Matters: Will you pay less if you use a network provider? Do you need a referral to see a specialist? Yes. You have two levels for network providers. Enhanced Network Level CHI Facilities In-Network Level See or call for a list of health network providers. No. This plan uses a provider network. You will pay less if you use a provider in the plan s network. You will pay the most if you use an out-of-network provider, and you might receive a bill from a provider for the difference between the provider s charge and what your plan pays (balance billing). Be aware, your network provider might use an out-of-network provider for some services (such as lab work). Check with your provider before you get services. You can see the specialist you choose without a referral. All copayment and costs shown in this chart are after your deductible has been met, if a deductible applies. 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 Preventive care/screening/ immunization Diagnostic test (x-ray, blood work) CHI /Facility least) Not applicable Not applicable What You Will Pay In-Network (You will pay more) 25% 30% Out-of- Network most) 60% Limitations, Exceptions, & Other Important Information Primary Care Practitioners (PCP) are defined as General and Family Practice, Internal Medicine, Midwives, OB/ GYN, Pediatricians, Nurse Practitioners, and PAs. 60% Applies to Non-PCP provider types. Chiropractic services deductible and. not 30% 60% See for preventive care guidelines. There may be additional benefits available. See your Employer Summary Plan Description for details. You may have to pay for services that aren't preventive. Ask your provider if the services you need are preventive. Then check what your plan will pay for. For a test in a provider's office or clinic, your cost is included in the cost-share listed above. Waive on first mammogram and colonoscopy of the benefit period. 2 of 8

3 Common Medical Event If you need drugs to treat your illness or condition More information about prescription drug coverage is available at If you have outpatient surgery Services You May Need Imaging (CT/PET scans, MRIs) Generic drugs Preferred brand drugs Non-preferred brand drugs Specialty drugs Facility fee (e.g., ambulatory surgery center) Physician/surgeon fees CHI /Facility least) Retail: $5 copay Mail order: $12.50 copay 15% Retail: $20 min/$55 max Mail order: $50 min/$87.50 max 25% Retail: $32.50 min/$80 max Mail order: $80 min/$ max Refer to above costs 15% What You Will Pay In-Network (You will pay more) Out-of- Network most) 30% 60% Retail: $10 copay Mail order: $25 copay not 30% Retail: $40 min/$110 max Mail order: $100 min/$175 max 50% Retail: $65 min/$160 max Mail order: $160 min/$325 max Refer to above costs Retail: 60% Deductible does not Mail order: N/A Retail: 60% Deductible does not Mail order: N/A Retail: 60% Deductible does not Mail order: N/A Refer to above costs Limitations, Exceptions, & Other Important Information For a test in a provider's office or clinic, your cost is included in the cost-share listed above. Covers up to a 30-day supply from an innetwork retail pharmacy or a 90-day supply from the Caremark mail order pharmacy. If you fill a brand-name prescription when a generic equivalent is available, you will pay the brand-name plus the difference between the generic and brandname. Maintenance medications must be filled using the mail order pharmacy or a CHI-owned pharmacy. Any combination of diabetic supplies and insulin purchased at a network retail pharmacy on the same day are subject to one copayment or the applicable amount. Additional copayment / amounts will to any combination of supplies purchased separately from an insulin purchase. Some specialty drugs may not be available at a retail pharmacy but can be filled through the mail order pharmacy. 30% 60% Waive on first colonoscopy of the benefit period. Not applicable 30% 60% None 3 of 8

4 Common Medical Event If you need immediate medical attention If you have a hospital stay Services You May Need Emergency room care Emergency medical transportation Urgent care Facility fee (e.g., hospital room) Physician/surgeon fees CHI /Facility least) $200 copay per facility per date of service for facility and physician(s) services combined $75 copay per provider per date of service 15% What You Will Pay In-Network (You will pay more) $200 copay per facility per date of service for facility and physician(s) services combined $75 copay per provider per date of service Out-of- Network most) $200 copay per facility per date of service for facility and physician(s) services combined not not $75 copay per provider per date of service not 30% 60% Limitations, Exceptions, & Other Important Information 50% applies to non-emergency medical services. For emergency medical conditions treated out-of-network, you may be balance billed. Dental treatment for accidental injury is limited to care completed within 12 months of the injury. Ambulance services received from an out-of-network provider may balance bill the difference in the billed amount and the allowed amount. None Not applicable 30% 60% None Reduction for failure to pre-certify out-of-network services is $500 per admission. 4 of 8

5 Common Medical Event If you need mental health, behavioral health, or substance abuse services Services You May Need Outpatient services Inpatient services CHI /Facility least) What You Will Pay In-Network (You will pay more) 30% not 30% Out-of- Network most) 60% None 60% Limitations, Exceptions, & Other Important Information Residential treatment is covered with no 24-hour nursing supervision requirement. Reduction for failure to pre-certify out-of-network services is $500 per admission. If you are pregnant If you need help recovering or have other special health needs Office visits Childbirth/delivery professional services Childbirth/delivery facility services Home health care Not applicable 25% (no deductible office visit only) All other physician services will to the deductible 60% Not applicable 30% 60% 15% 15% 30% 60% None 30% 60% None Maternity care may include tests and services described elsewhere in the SBC (i.e. ultrasound). Cost sharing does not to certain preventive services. For any in-network services that fall outside of routine obstetric care, the office visit benefits shown above may. Benefits shown reflect OB/GYN practitioner services which are typically globally billed at time of delivery for pre-natal, post-natal and delivery services. 5 of 8

6 Common Medical Event If your child needs dental or eye care Services You May Need Rehabilitation services Habilitation services Skilled nursing care Durable medical equipment Hospice services CHI /Facility least) What You Will Pay In-Network (You will pay more) Out-of- Network most) 30% 60% 30% 60% 30% 60% Not applicable 30% 60% 30% 60% Children s eye exam Not covered Not covered Not covered None Children s glasses Not covered Not covered Not covered None Children s dental check-up Not covered Not covered Not covered None Limitations, Exceptions, & Other Important Information In-Network and Out-of-Network outpatient/office massage, physical, speech and occupational therapies are limited to 30 combined visits per calendar year. CHI /Facility aka Enhanced Network is not subject to 30-visit maximum. In-Network and Out-of-Network outpatient/office massage, physical, speech and occupational therapies are limited to 30 combined visits per calendar year. CHI /Facility aka Enhanced Network is not subject to 30-visit maximum. Reduction for failure to pre-certify out-of-network services is $500 per admission. One wig per calendar year is covered when related to medical condition. 2 pair of foot orthotics covered per calendar year. Hospice respite care is limited to 15 inpatient and 15 outpatient days per lifetime. 6 of 8

7 Excluded Services & Other Covered Services: Services Your Plan Generally Does NOT Cover (Check your policy or plan document for more information and a list of any other excluded services.) Eye exam Glasses Hearing aids Cosmetic Surgery Custodial care in home or facility Dental care Long-term care Routine eye care Adult Routine foot care Weight loss programs Other Covered Services (Limitations may to these services. This isn t a complete list. Please see your plan document.) Chiropractic care (20 visits per calendar year) Non-emergency care when traveling outside the Acupuncture (10 visits per calendar year) Infertility treatment ($15,000 LTM, $5,000 LTM U.S. Bariatric surgery for infertility medications, excludes some Private-duty nursing short-term intermittent services) home skilled nursing Your Rights to Continue Coverage: There are agencies that can help if you want to continue your coverage after it ends. The contact information for those agencies is: the U.S. Department of Labor, Employee Benefits Security Administration at EBSA (3272) or Other coverage options may be available to you too, including buying individual insurance coverage through the Health Insurance Marketplace. For more information about the Marketplace, visit or call Your Grievance and Appeals Rights: There are agencies that can help if you have a complaint against your plan for a denial of a claim. This complaint is called a grievance or appeal. For more information about your rights, look at the explanation of benefits you will receive for that medical claim. Your plan documents also provide complete information to submit a claim, appeal, or a grievance for any reason to your plan. For more information about your rights, this notice, or assistance, contact: HR Payroll Support at ; Blue Cross and Blue Shield of Illinois at or visit or Employee Benefits Security Administration at EBSA (3272) or Additionally, a consumer assistance program can help you file your appeal. Contact the Illinois Department of Insurance at (877) or visit Does this plan provide Minimum Essential Coverage? Yes If you don t have Minimum Essential Coverage for a month, you ll have to make a payment when you file your tax return unless you qualify for an exemption from the requirement that you have health coverage for that month. Does this plan meet the Minimum Value Standards? Yes If your plan doesn t meet the Minimum Value Standards, you may be eligible for a premium tax credit to help you pay for a plan through the Marketplace. To see examples of how this plan might cover costs for a sample medical situation, see the next section. 7 of 8

8 About these Coverage Examples: This is not a cost estimator. Treatments shown are just examples of how this plan might cover medical care. Your actual costs will be different depending on the actual care you receive, the prices your providers charge, and many other factors. Focus on the cost sharing amounts (deductibles, copayments and ) and excluded services under the plan. Use this information to compare the portion of costs you might pay under different health plans. Please note these coverage examples are based on self-only coverage. Peg is Having a Baby (9 months of in-network pre-natal care and a hospital delivery) Managing Joe s type 2 Diabetes (a year of routine in-network care of a wellcontrolled condition) Mia s Simple Fracture (in-network emergency room visit and follow up care) The plan s overall deductible $1,750 Specialist 25% Hospital (facility) 30% Other 30% This EXAMPLE event includes services like: Specialist office visits (prenatal care) Childbirth/Delivery Professional Services Childbirth/Delivery Facility Services Diagnostic tests (ultrasounds and blood work) Specialist visit (anesthesia) Total Example Cost $12,840 In this example, Peg would pay: Cost Sharing Deductibles $1,750 Copayments $0 Coinsurance $2,000 What isn t covered Limits or exclusions $60 The total Peg would pay is $3,810 The plan s overall deductible $1,750 Primary care 25% Hospital (facility) 30% Other 30% This EXAMPLE event includes services like: Primary care physician office visits (including disease education) Diagnostic tests (blood work) Prescription drugs Durable medical equipment (glucose meter) Total Example Cost $7,460 In this example, Joe would pay: Cost Sharing Deductibles $1,750 Copayments $310 Coinsurance $1,690 What isn t covered Limits or exclusions $60 The total Joe would pay is $3,810 The plan s overall deductible $1,750 Emergency room copayment $200 Hospital (facility) 30% Other 30% This EXAMPLE event includes services like: Emergency room care (including medical supplies) Diagnostic test (x-ray) Durable medical equipment (crutches) Rehabilitation services (physical therapy) Total Example Cost $2,010 In this example, Mia would pay: Cost Sharing Deductibles $1,750 Copayments $200 Coinsurance $18 What isn t covered Limits or exclusions $0 The total Mia would pay is $1,968 The plan would be responsible for the other costs of these EXAMPLE covered services. 8 of 8

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10 Health care coverage is important for everyone. We provide free communication aids and services for anyone with a disability or who needs language assistance. We do not discriminate on the basis of race, color, national origin, sex, gender identity, age or disability. To receive language or communication assistance free of charge, please call us at If you believe we have failed to provide a service, or think we have discriminated in another way, contact us to file a grievance. Office of Civil Rights Coordinator Phone: (voic ) 300 E. Randolph St. TTY/TDD: th Floor Fax: Chicago, Illinois CivilRightsCoordinator@hcsc.net You may file a civil rights complaint with the U.S. Department of Health and Human Services, Office for Civil Rights, at: U.S. Dept. of Health & Human Services Phone: Independence Avenue SW TTY/TDD: Room 509F, HHH Building 1019 Complaint Portal: Washington, DC Complaint Forms: