Summary of Benefits Prominence HealthFirst Small Group Health Plan

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1 HealthFirst/ Calendar Year Deductible (CYD) 2 $1,000 Single / $3,000 Family Summary of Benefits $3,000 Single / $9,000 Family Coinsurance - Member responsibility 30% coinsurance 50% coinsurance Out-of-Pocket Maximum 3 - Deductibles, coinsurance and copays accrue toward the out-of-pocket maximum. Physician Office Visits $6,000 Single / $12,000 Family $18,000 Single / $36,000 Family Telemedicine services $25 copay Primary care practitioner (PCP) $25 copay Specialist office visit 4 $50 copay Charges in addition to the office visit copay may include In-office surgical procedure In-office injectable (excluding specialty drugs) There may be additional charges for other services in the provider s office. See this summary of benefits for details. Alternative Medicine - Homeopathy, acupuncture and integrated medicine. $1,500 maximum per calendar year; innetwork and out-of-network combined. Ambulance Services - Medically necessary only. $50 copay Air ambulance CYD/30% Coinsurance CYD/30% Coinsurance Ground ambulance CYD/30% Coinsurance CYD/30% Coinsurance Durable Medical Equipment Emergency Care - Includes surgeon and physician costs. Emergency room - The copay is waived when the member is admitted as an inpatient directly from the emergency room. If you receive services from an out-of-network provider, you may be responsible for paying the difference between the billed charges and the plan s allowable amount. The plan s allowable amount is the amount the plan would have paid to an in-network provider. $500 copay $500 copay Urgent care $75 copay Health and Wellness Services Online Wellness Assessment - OWA Link: prominencehealthplan.com Hearing Aids - Limited to one every three years. Home Health Care - Includes private-duty nursing. $25 copay Hospice Care Hospice care $50 copay Respite inpatient - Limited to 10 days per 6 months. Respite outpatient - Limited to 10 visits per year. Bereavement services - Limited to 5 visits per year. $50 copay 8XHMF1000SG Page 1

2 Hospital/Outpatient/Ambulatory Services 5 Page 2 HealthFirst/ Inpatient Outpatient surgery Observation Inpatient skilled nursing - Limited to 100 days per calendar year; in-network and out-of-network combined. Acute rehabilitation - Limited to 60 day per calendar year: in-network and out-of-network combined. Infertility Treatment Services Office visit evaluation - Please refer to the applicable surgical procedure copay and/or coinsurance amount for any surgical infertility procedures performed. Infusion Therapy Performed and billed by a physician s office or free-standing outpatient facility $50 copay Performed and billed by a hospital outpatient facility * In-network Specialty drugs incur Kidney Dialysis Services - Covered to the extent not covered by Medicare. Laboratory and Pathology Services Laboratory Pathology Mastectomy Reconstructive Services Inpatient surgery Outpatient surgery Maternity Physician: prenatal care and delivery $200 copay per delivery Delivery room and well-baby hospital care Ancillary maternity charges - including but not limited to fetal non-stress tests and amniocentesis Medical Nutrition Therapy Counseling - Limited to 25 visits per calendar year; in-network and out-of-network combined. Mental Health Services Severe Mental Illness $25 copay $50 copay Inpatient Day treatment program Outpatient Outpatient office visit $25 copay

3 Summary of Benefits Mental Health Services (continued) General Mental Health HealthFirst/ Outpatient office visit $25 copay Alcohol and Drug Abuse Services Inpatient withdrawal Inpatient rehabilitation Outpatient rehabilitation/day treatment Outpatient office visit $25 copay Morbid Obesity - Includes inpatient or outpatient services. One procedure per lifetime. Nutritional Supplements - Enteral Therapy and Parenteral Nutrition. Maximum 120 days supply for special food products. Organ Transplants Covered under HMO Only Ostomy Supplies Pediatric Dental - Pediatric Dental Coverage up to Age 19 In-Network Out-of-Network Diagnostic and Preventive Services - Not subject to the Deductible No Charge 30% Coinsurance Basic Restorative Procedures - Subject to the Deductible 20% Coinsurance 50% Coinsurance Major Restorative Procedures - Subject to the Deductible 50% Coinsurance 80% Coinsurance Orthodontia 3 - Subject to the Deductible 50% Coinsurance 80% Coinsurance Preventive Services 6 - For a complete list of covered services, visit Colorectal cancer screening, colonoscopy, sigmoidoscopy, or fecal occult blood test Mammograms - baseline and annual Pap and pelvic exams Periodic health assessments for hearing and vision for ages 19 and under BRCA genetic counseling and testing services Prenatal well visits Prostate screenings Well baby and child visits, immunizations/vaccinations for children through age 17 Preventive sterilization Prosthetics and Orthotics Prosthetics and orthotics - Foot orthotics limited to one pair per member per calendar year; in-network and out-ofnetwork combined Dental/Oral Orthotic Appliances, TMJ and/or Sleep Apnea Limited to one appliance per member per calendar year. Page 3

4 Radiation Oncology Therapy Page 4 HealthFirst/ Specialist office visit $50 copay Hospital outpatient therapy facility fee Radiology and Diagnostic Services 7 Routine X-ray and Routine Diagnostic Tests Performed and billed by a physician s office or freestanding outpatient facility $60 copay Performed in and billed by a hospital outpatient facility $120 copay Imaging and Complex Diagnostic Tests Performed and billed by a physician s office or freestanding outpatient facility CYD/$225 Performed and billed by a hospital outpatient facility CYD/$500 Spinal Manipulation - Includes all covered services related to the spinal manipulation. Up to 26 Visits per year. Temporomandibular Joint Dysfunction $50 copay TMJ surgery - inpatient hospital TMJ non-surgical outpatient office visit $50 copay Therapies Physical, occupational and speech - Limited to 60 visits per condition per member per calendar year. Habilitative - Limited to 60 visits per condition per member per calendar year. Rehabilitative - Limited to 60 visits per condition per member per calendar year. Autism spectrum disorders - Up to 750 hours per member per calendar year Vision - Pediatric - Coverage up to age 19 Eye exam - Limited to one routine eye exam per child per year. Low-vision exam - Limited to one routine eye exam per child per year. $50 copay $50 copay $50 copay CYD/50% coinsurance CYD/50% coinsurance Glasses - Limited to one pair of basic frames and lenses. No Charge CYD/50% coinsurance Post-cataract services - Limited to one pair of basic frames and lenses. $100 copay CYD/50% coinsurance

5 Prescription Coverage In-network Pharmacy FDA-approved formulary preventive medications, including female oral contraceptives PPO In-Network PPO $0 copay Generic $20 copay Preferred brand $40 copay Non-preferred brand $65 copay Specialty drugs PharmacyPlus PharmacyPlus generic $15 copay Not applicable PharmacyPlus brand $35 copay Not applicable Members have the option to fill certain available prescriptions at PharmacyPlus locations for a discounted copay amount. For a complete list of PharmacyPlus locations, please refer to the provider directory. Provider directories can be found online at. Diabetic supplies obtainable from a pharmacy (including: needles, syringes, test strips, lancets and alcohol swabs) available at retail or mail order. This disclosure statement provides only a brief description of some important features and limitations of your policy. The Evidence of Coverage (EOC) sets forth in detail the rights and obligations of both you and the insurance company. It is important you review the EOC once you are enrolled. While in northern Nevada, members receive in-network covered benefits from any HMO provider. Outside Nevada, members receive in-network covered benefits from any Prominence First Health provider. Other than Emergency, no coverage is available in southern Nevada. Members are only eligible to receive out-of-network covered benefits from out-of-state, non-first Health providers. To access the customized Prominence Health Plan First Health provider network, members must visit. 1. Out-of-network - Members who obtain covered benefits from non-plan providers will be responsible for all charges in excess of the eligible medical expense (EME) charges and you could be responsible for all expenses over and above the EME. Those charges in excess of the EME will not be applied to the out-of-pocket maximum. EME services means the maximum amount the plan will pay for a covered service. 2. Deductible - a set amount of covered charges occurring each calendar year which must be paid by the member before benefits are payable under this plan. Copays do not count towards the deductible. 3. Deductibles, coinsurance and copays accrue to the out-of-pocket maximum (OOPM). Use of the emergency room for nonemergency conditions cannot be used to satisfy the out-of-pocket maximum. 4. Members may be required to obtain a primary care practitioner (PCP) referral to see a specialist. 5. Hospital admissions and certain other services must be prior authorized by HealthFirst Utilization Management Department or you may be subject to financial penalty. 6. Some services listed may be billed as diagnostic procedures, not preventive/screening procedures, which could require a member to pay the share of cost as listed under Radiology and Diagnostic Services. Diagnostic procedures are usually conducted when a member has already been diagnosed with an illness or disease, or a member is receiving follow-up treatment for an existing medical condition. In addition, a member share of cost might be incurred if additional procedures that are not listed on the Preventive Services list are conducted concurrently to the preventive service. Page 5

6 7. Some invasive diagnostic procedures are treated as outpatient hospital visits. Establishing a Primary Care Practitioner (PCP) As a Prominence Health Plan member, you can choose from a comprehensive network of providers and services, from primary care practitioners (PCP), specialists, urgent care clinics, imaging centers, laboratories and more. We strongly encourage you to establish a relationship with a PCP, who can help manage your care and ensure timely receipt of recommended preventive care and other series that may be appropriate. It is always a good idea to check with your PCP before seeking care from a specialist. Your PCP can help you determine if specialty care (i.e., cardiology, gastroenterology, neurology, etc.) is needed. Access to Pediatricians For children, you may designate a pediatrician as the primary care practitioner (PCP). Access to OB/GYN Physicians You do not need prior authorization from or from any other person (including a PCP) in order to obtain access to obstetrical or gynecological care from a health care professional in our network who specializes in obstetrics or gynecology. The health care professional, however, may be required to comply with certain procedures, including obtaining prior authorization for certain services, following a pre-approved treatment plan, or procedures for making referrals. For a list of participating health care professionals who specialize in obstetrics or gynecology, contact Prominence Health Plan Customer Service at and Rescissions will not rescind coverage once a member is enrolled unless the individual (or a person seeking coverage on behalf of the individual) performs an intentional act, practice or omission that constitutes fraud, or unless the individual makes an intentional material misrepresentation of fact, as prohibited by the terms of the Evidence of Coverage. Prominence HealthFirst will provide at least 30 days advance written notice to each participant who would be affected before coverage will be rescinded. Emergency Services are provided as follows: a. Without prior authorization requirement, even for out-of-network services; b. Without regard to whether the provider of the services is in-network; c. If the services are out-of-network, without any administrative requirements or coverage limitations that are more restrictive than those imposed on in-network services; and d. Without regard to any other term or condition of the coverage other than (1) The exclusion of or coordination of benefits; (2) An affiliation or waiting period permitted under ERISA, the PHSA, or the Internal Revenue Code or (3) Applicable cost sharing. Language Translation Services If you or someone you are assisting has questions about your health benefits or other information related to your plan coverage, you have the right to receive help and information in a language other than English at no cost. Please call Prominence Health Plan Customer Service at the phone number on the back of your member ID card and they can assist you with access to language translation services. You can also contact Customer Service to ask for the translation of written benefit materials. TTY/TDD services are available by dialing Notice of Privacy Practices Member privacy and security are important to Prominence Health Plan. For comprehensive information about how we protect your personal health information (PHI) and how it may be disclosed, refer to the Evidence of Coverage (EOC). You can access the EOC online at or call Customer Service and a copy can be mailed to you. Page 6