Avera Summary of Benefits

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1 Important Questions What is the overall deductible? Are there other deductibles for specificc services? Is theree an out of pocket limit on my expenses? What is not included in the out of pocket limit? Is theree 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? Answers In-Network $3,500 Individual or $7,000 Family and Out-of-Network $5,000 Individual or $10,000 Family. Family deductible includes an embedded single deductible. Does not apply to weight reduction surgery. No. Yes. In-Network $5,000 Individual or $10,000 Family and Out-of-Network $10,000 Individual and $20,000 Family. Family out-of-pocket includes an embedded single out-of-pocket limit. Premiums, balance billed charges, weight loss surgery and health care services this plan does not cover. No. Yes. For a list of participating providers, see or call No. Yes. This is only a summary. If you want more details about coverage and costs, you can get the complete terms in the policy or plan document at or by calling Why this Matters 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 w the deductiblee starts over (usually, but not always, January 1 st ). See the chart starting on page 2 for how much you pay for covered services after you meet the deductible. 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. The out-of-pocket limit is thee 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. The chart starting on page 2 describes any limits on what the plan will pay for specific covered services, such as office visits. If you use a participating provider, this plan will pay some or all of the costs of covered services. Be aware, your participating provider or facility may use a non-n on page 2 for how this plan pays different kinds of providers. participating provider for some services. Plans use the term in-network, preferred or participating for providers in their network. See the chart starting You can see the specialist youu choose withoutt permission from this plan. Some of the services this plan doesn t cover are listed on page 5. See your policy or plan document for additional information about excluded services. Questions: Call or visit us at. If you aren t clear about any of the bolded terms used in this form, see the Glossary. You can view the Glossary on our Healthcare Reform page at or call to request a copy. 09/ of 8

2 Co-payments 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 i you haven t met your deductible. The amount the plan pays for covered services is based on the allowed amount. If an out-of-network hospital charges $1,500 for an overnight stay and provider charges more than the allowed amount, you may have to pay the difference. For example, if an out-of-network 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 participating providers by charging you lower deductibles, co-payments and coinsurance amounts.. Common Medical Event If you visit a health care provider s office or clinic If you have a test Services You May Need Use a Participating Primary care visit to treat an injury or illness Specialist visit Other practitioner office visit Preventive care/screening/immunization Diagnostic testt (x-ray, blood work) Imaging (CT/PET scans, MRIs) Use a Non- Not Covered Participating Not Covered Limitations and Exceptions Preauthorization is required after 200 chiropractic visits per plan year. Noo coverage for services without preauthorization. Age and frequency limitations may apply. - Preauthorization required. No coverage for services without preauthorization. Major lab and X-ray services may include PET scan, MRI, CT scan, SPECT scan, cardiovascular, nuclear medicine and MRA. 2 of 8

3 Common Medical Event Services You May Need Tier 0: Preventive Use a Participating Use a Non- Participating Limitations and Exceptions If you need drugs to treat your illness or condition More information about prescription drug coverage is available at If you have outpatient surgery If you need immediate medical attentionn If you have a hospital stay If you have mental Tier 1: Generic Tier 2: Preferred Brand Tier 3: Non-Preferred Brand Tier 4: Specialty (brand & generic) Facility fee (e.g., ambulatory surgery center) Physician/surgeon fees Emergency room services Emergency medical transportation Urgent care Facility fee (e.g., hospital room) Physician/surgeon fee Mental/Behavioral health outpatient services Some drugs requiree preauthorization. No coverage for drugs without preauthorization. 50% of covered services for weightt reduction surgery. Preauthorizationn required. Preauthorization for non-emergency transportation. For out-of-network urgent care visits, you may contact the plan to determine if your visit qualifies for in-networkk benefits. 50% of covered services for weightt reduction surgery. Preauthorizationn required. 3 of 8

4 Common Medical Event health, behavioral health, or substance abuse needs If you are pregnant If you need help recovering or have other special needs Services You May Need Use a Participating 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 Habilitation services Skilled nursing care Limitations and Exceptions Preauthorization required. Preauthorization required Use a Non- Participating 60-visit limit per plan year for services from non-participating providers. One visit equals a maximum of 4 hours, including private duty nursing. Preauthorization required after 30 visits v per plan year for each therapy: physical, occupational and speech. Cardiac rehab r services from participating providers are 10% coinsurance. Cardiac rehab has a 40-visit maximum per plan year. 100-day confinement limit for services from participating providers. 60-day confinement limit for services fromm non-participating providers. Same confinement limit if readmitted with same diagnosis within 60 days. 4 of 8

5 Common Medical Event If you need help recovering or have other special needs If your child needs dental or eye care Services You May Need Durable medical equipment Hospice service Eye exam Glasses Dental check-up Use a Participating Use a Non- Participating Limitations and Exceptions Certain durable medical equipment requires preauthorization. 185-day limit per plan year Routine eye exam during well child visit for children up to age 7. Routine dental exam during well child visit for children up to age 7. 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.) Hearing aids Routine eye care (Adult) Private duty nursing Cosmetic surgery Infertility treatment Weight loss program Dental care (Adult) Long-term care Non-emergency care when traveling outside the United States 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 if preauthorization requirements are met Routine foot care when part of corrective surgery or for diabetes and metabolic or peripherall vascular diseasee Chiropractic care if provided by a participating provider Medically-indicated termination of pregnancy when necessary to save the life of the mother Acupuncture care if provided by a participating provider 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 mayy be significantly higher than the premium you pay p 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 Administrationn at or or the U.S. Department of Health and a 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 mayy be able to appeal or file a grievance. For questions about your rights, this notice, or assistance, you can contact: the plan at , Department of Labor s Employee Benefits Security Administration at EBSA (3272) or 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). Thiss health coverage does meet the minimum value standard for the benefits it provides. To seee examples of how this plan might cover costs for a sample medical situation, see the next page. 6 of 8

7 About these Coverage e 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 will also be different. See the next page for important information about thesee examples. Amount owed to providers: $7,540 Plan pays $3, 510 Patient pays $4,030 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 Coinsurance Limits or exclusions Total Having a baby (normal delivery) $2,700 $2,100 $900 $900 $500 $200 $200 $40 $7,540 $3,500 $380 $150 $4,030 Managing type 2 diabetes (routine maintenance of a well-controlled condition) Amount owed to providers: $5,400 Plan pays $1,640 Patient pays $3,760 Sample care costs: Prescriptionss $2, 900 Medical Equipment and Supplies $1, 300 Office Visitss and Procedures $ 700 Education $ 300 Laboratory tests $ 100 Vaccines, other preventive $ 100 Total $5, 400 Patient pays: Deductibles Co-pays Coinsurance Limits or exclusions Total $3, 500 $ 180 $80 $3, of 8

8 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 pre-existing 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 deductibles, co-payments, 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 Coveragee 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 Patientt Pays box in each example. Thee 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 premiumm you pay. Generally, the lower your premium, the more you ll pay in out-of- pocket costs, such as co-payments, deductibles, and coinsurance. You should also consider contributions to accounts such as health savings accountss (HSAs), flexible spending arrangements (FSAs) or health reimbursement accounts. Questions: Call or visit us at If you aren t clear about any of the bolded terms used in this form, see the Glossary. You can view the Glossary on our Healthcare Reform page at or call to request a copy. 09/ of 8

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