a Aetna Voluntary Plans - Medical

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1 Page 1 of 10 Home Depot U.S.A., Inc. Aetna/SRC $10,000 Max Summary of Benefits and Coverage: What this Plan Covers and What it Costs 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: Individual $100 in-network, $200 out-ofnetwork per coverage year. You must pay all the costs up to the deductible amount before this plan begins to pay for covered services you use. Check your policy or plan document to see when What is the overall Family $200 in-network, $400 out-ofnetwork per coverage year. the deductible starts over (usually, but not always, January 1st). See the chart deductible? starting on page 2 for how much you pay for covered services after you meet the Applies to everything except office visits and pharmacy expenses. Are there other deductibles for specific services? 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 plan pays? Does the plan use a network of providers? Do I need a referral to see a specialist? No No This plan has no out-of-pocket limit. Yes. This policy has an overall annual limit of $10,000. Yes, this plan uses in-network providers. For a list of in-network providers, see No You don t have to meet deductibles for specific services, but see the chart starting on page 2 for other costs for services this plan covers. There s no limit on how much you could pay during a coverage period for your share of the cost of covered services. Not applicable because there s no out-of-pocket limit on your expenses. This plan will pay for covered services only up to this limit during each coverage period, even if your own need is greater. You re responsible for all expenses above this limit. The chart starting on page 2 describes specific coverage limits, such as limits on the number of 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 2 for how this plan pays different kinds of providers. You can see the specialist you choose without permission from this plan. Are there services this plan doesn't cover? Yes Some of the services this plan doesn t cover are listed on page 8. See your policy or plan document for additional information about excluded services.

2 Page 2 of 10 Home Depot U.S.A., Inc. Aetna/SRC $10,000 Max Summary of Benefits and Coverage: What this Plan Covers and What it Costs 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 deductibles, copayments and coinsurance amounts. If you visit a health care provider s office or clinic Primary care visit to treat an injury or illness Specialist visit Other practitioner office visit Preventive care/screening/immunization subject to the subject to the $15 copay per visit for chiropractor, not subject to the $5 copay per visit to a walkin or retail health clinic, not subject to the subject to the $15 per visit copay, not subject to the annual $15 per visit copay, not subject to the annual $15 copay per visit for chiropractor, not subject to the annual $5 copay per visit to a walkin or retail health clinic, not subject to the annual 50% coinsurance per visit, not subject to the Coverage is limited to $1,000 for all outpatient Coverage is limited to $1,000 for all outpatient Coverage is limited to a $200 maximum benefit per coverage year.

3 Page 3 of 10 Summary of Benefits and Coverage: What this Plan Covers and What it Costs Home Depot U.S.A., Inc. Aetna/SRC $10,000 Max If you have a test If you need drugs to treat your illness or condition More information about drug coverage is available at find/custom/aahc If you have outpatient surgery If you need immediate medical attention Diagnostic test (x-ray, blood work) Imaging (CT/PET scans, MRIs) Generic drugs Brand name drugs Specialty drugs (e.g., chemotherapy) Facility fee (e.g., ambulatory surgery center) Physician/surgeon fees Emergency room services Emergency medical transportation Urgent care $15 copay per $35 copay per $15 copay per generic ; $35 copay per brand name 50% coinsurance per 50% coinsurance per 50% coinsurance per Same as in-network Same as in-network Same as in-network Outpatient coverage limited to $1,000 for all outpatient Inpatient coverage limited to $1,000 per coverage year for all charges billed by the hospital other than room and board. All coverage limited to $10,000 per coverage year. Coverage is limited to a maximum benefit of $35 per month. Coverage is limited to $1,000 for all outpatient Coverage for emergency care is limited to $600 per coverage year. Coverage is limited to $1,000 for all outpatient The $600 emergency care limit counts towards the $1,000 outpatient limit.

4 Page 4 of 10 Summary of Benefits and Coverage: What this Plan Covers and What it Costs Home Depot U.S.A., Inc. Aetna/SRC $10,000 Max If you have a hospital stay Facility fee (e.g., hospital room) Physician/surgeon fee All coverage limited to the $10,000 overall plan limit per coverage year. Coverage for charges billed by the hospital other than room and board limited to $1,000 per coverage year.

5 Page 5 of 10 Summary of Benefits and Coverage: What this Plan Covers and What it Costs Home Depot U.S.A., Inc. Aetna/SRC $10,000 Max If you have mental health, behavioral health or substance abuse needs Mental/Behavioral health outpatient services Mental/Behavioral health inpatient services Substance use disorder outpatient services Substance use disorder inpatient services subject to the $5 copay per visit to a walk-in or retail health clinic, not subject to the Other billed as office visit: 20% subject to the $5 copay per visit to a walk-in or retail health clinic, not subject to the Other billed as office visit: 20% $15 per visit copay, not subject to the annual Other billed as office visit: 40% $15 per visit copay, not subject to the annual Other billed as office visit: 40% Coverage is limited to $1,000 for all outpatient All coverage limited to the $10,000 overall plan limit per coverage year. Coverage for charges billed by the hospital other than room and board limited to $1,000 per coverage year. Coverage is limited to $1,000 for all outpatient All coverage limited to the $10,000 overall plan limit per coverage year. Coverage for charges billed by the hospital other than room and board limited to $1,000 per coverage year.

6 Page 6 of 10 Summary of Benefits and Coverage: What this Plan Covers and What it Costs Home Depot U.S.A., Inc. Aetna/SRC $10,000 Max If you are pregnant Prenatal and postnatal care Delivery and all inpatient services subject to the $5 copay per visit to a walk-in or retail health clinic, not subject to the Other billed as office visit: 20% $15 per visit copay, not subject to the annual Other billed as office visit: 40% Coverage is limited to $1,000 for all outpatient All coverage limited to the $10,000 overall plan limit per coverage year. Coverage for charges billed by the hospital other than room and board limited to $1,000 per coverage year.

7 Page 7 of 10 Summary of Benefits and Coverage: What this Plan Covers and What it Costs Home Depot U.S.A., Inc. Aetna/SRC $10,000 Max If you need help recovering or have other special health needs If your child needs dental or eye care Home health care Rehabilitation services Habilitation services Skilled nursing care Durable medical equipment Hospice service Eye exam Not covered Not covered Glasses Not covered Not covered Dental check-up Not covered Not covered Outpatient coverage limited to $1,000 for all outpatient Inpatient coverage limited to $1,000 per coverage year for all charges billed by the hospital other than room and board. All coverage limited to $10,000 per coverage year. No coverage provided. No coverage provided. No coverage provided.

8 Page 8 of 10 Home Depot U.S.A., Inc. Aetna/SRC $10,000 Max Summary of Benefits and Coverage: What this Plan Covers and What it Costs 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 Hearing aids Routine foot care Bariatric surgery (unless medically necessary) Infertility treatment Weight loss programs (unless medically necessary) Cosmetic surgery Routine eye care (adult) Dental care Routine eye care (child) Glasses Other Covered Services (This isn't a complete list. Check your policy or plan document for others for other covered services and your costs for these services.) Chiropractic care Non-emergency care when travelling outside Private duty nursing Long-term care the U.S. Routine hearing tests Preventive care 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 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: Aetna at , the Department of Labor s Employee Benefits Security Administration at EBSA (3272) or You may also contact: Delaware Insurance Department, Call in Delaware or (302) , Additionally, a consumer assistance program can help you file your appeal. Contact: the Delaware Department of Insurance, 841 Silver Lake Blvd, Dover, DE 19904, (800) , or consumer@state.de.us Language Access Services: Kung kailangan ninyo ang tulong sa Tagalog tumawag sa Dinek'ehgo shika at'ohwol ninisingo, kwiijigo holne' 如果需要中文的帮助, 请拨打这个号码 Para obtener asistencia en Español, llame al To see examples of how this plan might cover costs for a sample medical situation, see the next page.

9 Page 9 of 10 Coverage Examples 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. Having a baby (normal delivery) Amount owed to providers: $ 7,540 Plan pays: $ 5,750 Patient pays: $ 1,790 Home Depot U.S.A., Inc. Aetna/SRC $10,000 Max Managing type 2 diabetes (routine maintenance of a well-controlled condition) Amount owed to providers: $ 5,400 Plan pays: $ 1,310 Patient pays: $ 4,090 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. See the next page for important information about these examples. Sample care costs: Hospital charges (mother) Routine obstetric care Hospital charges (baby) Anesthesia Laboratory tests Prescriptions Radiology Vaccines, other preventive Total Patient pays: Deductibles Co-pays Co-insurance Limits or exclusions Total Sample care costs: $ 2,700 Prescriptions $ 2,900 $ 2,100 Medical Equipment and Supplies $ 1,300 $ 900 Office Visits and Procedures $ 700 $ 900 Education $ 300 $ 500 Laboratory tests $ 100 $ 200 Vaccines, other preventive $ 100 $ 200 Total $ 5,400 $ 40 $ 7,540 Patient pays: Deductibles $ 100 Co-pays $ 750 $ 200 Co-insurance $ 230 $ 30 Limits or exclusions $ 3,010 $ 1,410 Total $ 4,090 $ 150 $ 1,790

10 Page 10 of 10 Coverage Examples 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. What does a Coverage Example show? For each treatment situation, the Coverage Example helps you see how deductibles, 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. Home Depot U.S.A., Inc. Aetna/SRC $10,000 Max 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 for each example. The smaller that number, the more coverage the plan provides. 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. 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. 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-ofpocket costs, such as copayments, deductibles, and 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.

11 Page 1 of 10 Home Depot U.S.A., Inc. Aetna/SRC $20,000 Max Summary of Benefits and Coverage: What this Plan Covers and What it Costs 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: Individual $100 in-network, $200 out-ofnetwork per coverage year. You must pay all the costs up to the deductible amount before this plan begins to pay for covered services you use. Check your policy or plan document to see when What is the overall Family $200 in-network, $400 out-ofnetwork per coverage year. the deductible starts over (usually, but not always, January 1st). See the chart deductible? starting on page 2 for how much you pay for covered services after you meet the Applies to everything except office visits and pharmacy expenses. Are there other deductibles for specific services? 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 plan pays? Does the plan use a network of providers? Do I need a referral to see a specialist? No No This plan has no out-of-pocket limit. Yes. This policy has an overall annual limit of $20,000. Yes, this plan uses in-network providers. For a list of in-network providers, see No You don t have to meet deductibles for specific services, but see the chart starting on page 2 for other costs for services this plan covers. There s no limit on how much you could pay during a coverage period for your share of the cost of covered services. Not applicable because there s no out-of-pocket limit on your expenses. This plan will pay for covered services only up to this limit during each coverage period, even if your own need is greater. You re responsible for all expenses above this limit. The chart starting on page 2 describes specific coverage limits, such as limits on the number of 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 2 for how this plan pays different kinds of providers. You can see the specialist you choose without permission from this plan. Are there services this plan doesn't cover? Yes Some of the services this plan doesn t cover are listed on page 8. See your policy or plan document for additional information about excluded services.

12 Page 2 of 10 Home Depot U.S.A., Inc. Aetna/SRC $20,000 Max Summary of Benefits and Coverage: What this Plan Covers and What it Costs 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 deductibles, copayments and coinsurance amounts. If you visit a health care provider s office or clinic Primary care visit to treat an injury or illness Specialist visit Other practitioner office visit Preventive care/screening/immunization subject to the subject to the $15 copay per visit for chiropractor, not subject to the $5 copay per visit to a walkin or retail health clinic, not subject to the subject to the $15 per visit copay, not subject to the annual $15 per visit copay, not subject to the annual $15 copay per visit for chiropractor, not subject to the annual $5 copay per visit to a walkin or retail health clinic, not subject to the annual 50% coinsurance per visit, not subject to the Coverage is limited to $2,000 for all outpatient Coverage is limited to $2,000 for all outpatient Coverage is limited to a $200 maximum benefit per coverage year.

13 Page 3 of 10 Summary of Benefits and Coverage: What this Plan Covers and What it Costs Home Depot U.S.A., Inc. Aetna/SRC $20,000 Max If you have a test If you need drugs to treat your illness or condition More information about drug coverage is available at find/custom/aahc If you have outpatient surgery If you need immediate medical attention Diagnostic test (x-ray, blood work) Imaging (CT/PET scans, MRIs) Generic drugs Brand name drugs Specialty drugs (e.g., chemotherapy) Facility fee (e.g., ambulatory surgery center) Physician/surgeon fees Emergency room services Emergency medical transportation Urgent care $15 copay per $35 copay per $15 copay per generic ; $35 copay per brand name 50% coinsurance per 50% coinsurance per 50% coinsurance per Same as in-network Same as in-network Same as in-network Outpatient coverage limited to $2,000 for all outpatient Inpatient coverage limited to $2,000 per coverage year for all charges billed by the hospital other than room and board. All coverage limited to $20,000 per coverage year. Coverage is limited to a maximum benefit of $75 per month. Coverage is limited to $2,000 for all outpatient Coverage for emergency care is limited to $600 per coverage year. Coverage is limited to $2,000 for all outpatient The $600 emergency care limit counts towards the $2,000 outpatient limit.

14 Page 4 of 10 Summary of Benefits and Coverage: What this Plan Covers and What it Costs Home Depot U.S.A., Inc. Aetna/SRC $20,000 Max If you have a hospital stay Facility fee (e.g., hospital room) Physician/surgeon fee All coverage limited to the $20,000 overall plan limit per coverage year. Coverage for charges billed by the hospital other than room and board limited to $2,000 per coverage year.

15 Page 5 of 10 Summary of Benefits and Coverage: What this Plan Covers and What it Costs Home Depot U.S.A., Inc. Aetna/SRC $20,000 Max If you have mental health, behavioral health or substance abuse needs Mental/Behavioral health outpatient services Mental/Behavioral health inpatient services Substance use disorder outpatient services Substance use disorder inpatient services subject to the $5 copay per visit to a walk-in or retail health clinic, not subject to the Other billed as office visit: 20% subject to the $5 copay per visit to a walk-in or retail health clinic, not subject to the Other billed as office visit: 20% $15 per visit copay, not subject to the annual Other billed as office visit: 40% $15 per visit copay, not subject to the annual Other billed as office visit: 40% Coverage is limited to $2,000 for all outpatient All coverage limited to the $20,000 overall plan limit per coverage year. Coverage for charges billed by the hospital other than room and board limited to $2,000 per coverage year. Coverage is limited to $2,000 for all outpatient All coverage limited to the $20,000 overall plan limit per coverage year. Coverage for charges billed by the hospital other than room and board limited to $2,000 per coverage year.

16 Page 6 of 10 Summary of Benefits and Coverage: What this Plan Covers and What it Costs Home Depot U.S.A., Inc. Aetna/SRC $20,000 Max If you are pregnant Prenatal and postnatal care Delivery and all inpatient services subject to the $5 copay per visit to a walk-in or retail health clinic, not subject to the Other billed as office visit: 20% $15 per visit copay, not subject to the annual Other billed as office visit: 40% Coverage is limited to $2,000 for all outpatient All coverage limited to the $20,000 overall plan limit per coverage year. Coverage for charges billed by the hospital other than room and board limited to $2,000 per coverage year.

17 Page 7 of 10 Summary of Benefits and Coverage: What this Plan Covers and What it Costs Home Depot U.S.A., Inc. Aetna/SRC $20,000 Max If you need help recovering or have other special health needs If your child needs dental or eye care Home health care Rehabilitation services Habilitation services Skilled nursing care Durable medical equipment Hospice service Eye exam Not covered Not covered Glasses Not covered Not covered Dental check-up Not covered Not covered Outpatient coverage limited to $2,000 for all outpatient Inpatient coverage limited to $2,000 per coverage year for all charges billed by the hospital other than room and board. All coverage limited to $20,000 per coverage year. No coverage provided. No coverage provided. No coverage provided.

18 Page 8 of 10 Home Depot U.S.A., Inc. Aetna/SRC $20,000 Max Summary of Benefits and Coverage: What this Plan Covers and What it Costs 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 Hearing aids Routine foot care Bariatric surgery (unless medically necessary) Infertility treatment Weight loss programs (unless medically necessary) Cosmetic surgery Routine eye care (adult) Dental care Routine eye care (child) Glasses Other Covered Services (This isn't a complete list. Check your policy or plan document for others for other covered services and your costs for these services.) Chiropractic care Non-emergency care when travelling outside Private duty nursing Long-term care the U.S. Routine hearing tests Preventive care 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 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: Aetna at , the Department of Labor s Employee Benefits Security Administration at EBSA (3272) or You may also contact: Delaware Insurance Department, Call in Delaware or (302) , Additionally, a consumer assistance program can help you file your appeal. Contact: the Delaware Department of Insurance, 841 Silver Lake Blvd, Dover, DE 19904, (800) , or consumer@state.de.us Language Access Services: Kung kailangan ninyo ang tulong sa Tagalog tumawag sa Dinek'ehgo shika at'ohwol ninisingo, kwiijigo holne' 如果需要中文的帮助, 请拨打这个号码 Para obtener asistencia en Español, llame al To see examples of how this plan might cover costs for a sample medical situation, see the next page.

19 Page 9 of 10 Coverage Examples 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. Having a baby (normal delivery) Amount owed to providers: $ 7,540 Plan pays: $ 5,750 Patient pays: $ 1,790 Home Depot U.S.A., Inc. Aetna/SRC $20,000 Max Managing type 2 diabetes (routine maintenance of a well-controlled condition) Amount owed to providers: $ 5,400 Plan pays: $ 2,310 Patient pays: $ 3,090 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. See the next page for important information about these examples. Sample care costs: Hospital charges (mother) Routine obstetric care Hospital charges (baby) Anesthesia Laboratory tests Prescriptions Radiology Vaccines, other preventive Total Patient pays: Deductibles Co-pays Co-insurance Limits or exclusions Total Sample care costs: $ 2,700 Prescriptions $ 2,900 $ 2,100 Medical Equipment and Supplies $ 1,300 $ 900 Office Visits and Procedures $ 700 $ 900 Education $ 300 $ 500 Laboratory tests $ 100 $ 200 Vaccines, other preventive $ 100 $ 200 Total $ 5,400 $ 40 $ 7,540 Patient pays: Deductibles $ 100 Co-pays $ 750 $ 200 Co-insurance $ 230 $ 30 Limits or exclusions $ 2,010 $ 1,410 Total $ 3,090 $ 150 $ 1,790

20 Page 10 of 10 Coverage Examples 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. What does a Coverage Example show? For each treatment situation, the Coverage Example helps you see how deductibles, 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. Home Depot U.S.A., Inc. Aetna/SRC $20,000 Max 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 for each example. The smaller that number, the more coverage the plan provides. 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. 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. 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-ofpocket costs, such as copayments, deductibles, and 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.