Financial Assistance and Patient Payment Responsibility Page 1 of 7

Size: px
Start display at page:

Download "Financial Assistance and Patient Payment Responsibility Page 1 of 7"

Transcription

1 Financial Assistance and Patient Payment Responsibility Page 1 of 7 Policy LD.2001.ORG FINANCIAL ASSISTANCE AND PATIENT PAYMENT RESPONSIBILITY Effective May 1, 2015 to April 30, 2016 Purpose: As a tax-exempt, non-profit organization, Boulder Community Health (BCH) serves the health care needs of the community. In fulfilling its obligation, the hospital will participate in Medicaid, Colorado Indigent Care Program (CICP), sponsor its own financial assistance program called "We Care" and support other community health improvement activities. We Care and CICP are available to residents of the hospital's service area (Addendum A). There are no geographical restrictions on services to Medicaid beneficiaries; however, there are enrollment caps to medicaid beneficiaries as indicated in this policy. This policy will be made readily available to prospective and current patients and to the community at large. Scope: Any Boulder Community Health (BCH) inpatient or outpatient account, excluding BCH owned and operated physician clinics. Policy Statements: For purposes of clarifying payment responsibilities, patient's responsibilities fall into one of four categories: o Colorado Medicaid or CICP beneficiaries BCH, may elect for certain services, to LIMIT the number of enrollees under Colorado Medicaid. This is including but not limited to, Physician Clinics and Outpatient Rehabilitation. Deductible and co-pays are required in accordance with laws and regulations governing the programs. When allowed, deductibles and copays are due at the time of service. o We Care For those patients residing in the service area specified by zip codes listed in Addendum A, discounts will be granted on a sliding scale included in Addendum A. o Insured Patients with Medicare and Commercial insurance may apply for CICP within the program time-limits. For insured patients, We Care discounts will be evaluated in o rare circumstances that are extraordinary on a case-by-case basis. Without health insurance, not qualifying for the above listed coverage programs. Prompt-pay discounts are available according to the guidelines within this policy. Payment plans may also be requested and will be granted according to policy. All patients without health insurance will be expected to pay for hospital services the day they receive services. Patients with health insurance coverage will be requested to pay deductible balances, estimated coinsurance, and/or any co-pays due the day they receive services. EXCEPTIONS: o Emergency or obstetric services, as defined by EMTALA

2 Financial Assistance and Patient Payment Responsibility Page 2 of 7 o Prenatal and Mammography services for People s Clinic Plan patients o Infectious Disease ongoing and follow-up treatment referred to by Beacon Clinic o Approved payment plan contract in effect o Medical emergent services as determined by a physician o Participants in clinical trials or grant programs Boulder Community Health will provide care, without discrimination, for emergency medical conditions regardless of patients ability to pay. Financial arrangements with Emergency Room patients will not be discussed until the patient has been assessed and treated per the hospital EMTALA policy. Procedural Guideline Statements: 1. We Care Discounts: a. Patients without health insurance who cannot pay prior to services nor within 30 days, or who cannot pay the total charges under an approved payment plan may be eligible for We Care discounting. Patients with health insurance, may be eligible, as long as they follow the guidelines of those health plans in order to access We Care discounting. Patients may apply or reapply for financial assistance before, during or after care or after collection agency assignment if their situation changes by contacting a Boulder Community Health, financial counselor at (303) to make an appointment. Their office is on 1155 Alpine Avenue, Suite 285 b. We Care Discounting Requirements: i. Patients residing in the service area specified by zip codes listed in Addendum A (unless covered under an exception listed above). ii. Proof of CICP program eligibility, or proof of People's Clinic Plan eligibility, or submission of income and asset documentation to appropriate hospital personnel for determination of eligibility for any hospital discounting program (including CICP, if appropriate). c. Appropriate hospital personnel will determine eligibility based on Federal Poverty Guidelines (updated annually} using the sliding scale included in Addendum B. d. Any patient eligible for We Care discounting will be required to pay their co-pay or percentage due upon determination of their eligibility or they must sign an approved payment plan contract. We Care discounts will be applied to any and all outstanding hospital bills of a patient determined to be currently eligible for any We Care or public assistance program that BCH participates in, including Medicaid or CICP programs. Discounted charges will not exceed the lowest average commercial payor reimbursement rate. e. Presumptive We Care Eligibility i. Patients without health insurance or other verified funding sources, who meet any of the following criteria, will be granted eligibility by BCH personnel for the We Care program: 1. Verified resident address of the Boulder Homeless Shelter, without signed CICP or Financial Assistance Application on file. 2. Presence form on file. 3. Verified homeless" or "transient" status, without signed CICP or Financial Assistance Application on file.

3 Financial Assistance and Patient Payment Responsibility Page 3 of 7 4. For medically urgent or emergent services that are verified with current eligibility in a Medicaid or other public assistance program in a state other than Colorado, of which BCH is not an enrolled provider. 5. Account is identified in official bankruptcy notice. 6. Accounts where patient is deceased and there are no estate assets 7. Undocumented patients as applicable under Section 1011, Federal Reimbursement of Emergency Health Services Furnished to Undocumented Aliens 1. Prompt Pay Discounts a. Patients without health insurance, or who choose not to elect insurance billing, who do not qualify for We Care discounting and who pay in full prior to receiving services will be eligible for a 60% prompt pay discount. For medically urgent or emergency admissions where it is not practical to collect payment in advance of receiving services, the 60% prompt payment discount will be accepted for 72 hours following discharge. A 50% prompt pay discount will be given if account is paid within 30 days after services or discharge date for medically urgent, emergency, prenatal, and obstetric services. b. Excluded Services i. Cosmetic procedures with packaged pricing. ii. Audiology supplies, including hearing aids, hearing aid accessories, and battery packs. iii. Lab kit draw fees, venipuncture fees and outpatient TB skin tests are excluded if not performed in conjunction with other BCH Laboratory services. iv. Procedures which are already discounted to prevailing market rates (UCR), including but not limited to self-pay fee schedules for Imaging and Lab services, self-referred screening studies (Cardiac Calcium Scores, Colonoscopy, etc.), and any other procedure(s) deemed at BCH discretion to be determined as discounted. v. Physician services provided by BCH. vi. All pediatric, Neuro Ortho Rehab Center (NORC), and adult physical rehabilitation services and all behavioral health services except those where the patient is directly admitted through the emergency room or is a direct EMTALA transfer. vii. High-cost implantable devices and chemotherapy drugs; hospital will make every attempt to have high-cost devices and chemotherapy drugs provided at no cost by the vendors for patients eligible for We Care discounting. In the event the high cost implantable or pharmaceutical cannot be donated, BCH will discount these items down to the purchase price (BCH cost) and the patient will be financially responsible for this component of their care. viii. Services not covered or deemed medically necessary by the CICP and/or Colorado Medicaid programs. ix. Physician services provided by BCH. c. If actual charges exceed the estimated amount paid at the time of service, a 60% prompt pay discount will be applied to the total charge amount. d. When actual charges exceed the amount originally estimated by the hospital an effort will be made on a case-by-case basis to adjust the charges if requested by the patient.

4 Financial Assistance and Patient Payment Responsibility Page 4 of 7 2. Multiple Discounts a. A We Care discount and a prompt pay discount cannot be combined together nor combined with any other discount offered by the hospital, such as, but not limited to, the employee discount or the Medical Staff discount. Definitions: 1. Medicaid or CICP beneficiaries: Deductible and co-pays are required in accordance with laws and regulations governing the programs. When allowed, deductibles and co-pays are due at the time of service. 2. We Care: For those patients residing in the service area specified by zip codes listed in Addendum A, discounts will be granted on a sliding scale included in Addendum B. 3. Insured: Patients with Medicare and Commercial insurance may apply for CICP within the program time-limits. For insured patients, We Care discounts will be evaluated in rare circumstances that are extraordinary on a case-by-case basis. a. Without health insurance, not qualifying for the above listed coverage programs. Prompt-pay discounts are available according to the guidelines within this policy. Payment plans may also be requested and will be granted according to policy. Resources: References: Key Words: Financial Assistance, Patient Assistance, Financial Content Reviewers: Nancy Coppom, Director Patient Financial Services Jon Wiik, Chief Revenue Officer William Munson, Vice President and CFO Final Approval: Robert J. Vissers, Executive Vice President and CEO Effective Date: 12/10 Last Review Date: 12/13

5 Financial Assistance and Patient Payment Responsibility Page 5 of 7 Boulder Addendum A Eligibility Zip Codes Eldorado Springs Allenspark Jamestown Nederland Pinecliff Rollinsville Ward Conditionally Eligible Boulder County Zip Codes: a. Lafayette*80226 b. Louisville/Superior* c. Broomfield** 80023, d. Longmont** 80501,80502, 80503,80504 * Patients with these zip codes are eligible for We Care discounting if they have Boulder Community Health services not provided by their local hospitals. **Patients referred by an BCH owned and operated physician practice located within the zip codes are eligible for We Care discounting for services provided by BCH within the zip codes.

6 Financial Assistance and Patient Payment Responsibility Page 6 of 7 Addendum B Federal Poverty Guidelines 2017 Rate N A B C D E Family Size 1 $4,824 $7,477 $9,769 $12,060 $14,110 $16,040 2 $6,496 $10,069 $13,154 $16,240 $19,001 $21,599 3 $8,168 $12,660 $16,540 $20,420 $23,891 $27,159 4 $9,840 $15,252 $19,926 $24,600 $28,782 $32,718 5 $11,512 $17,844 $23,312 $28,780 $33,673 $38,277 6 $13,184 $20,435 $26,698 $32,960 $38,563 $43,837 Poverty Level 40% 62% 81% 100% 117% 133% Rate F G H I J K Family Size 1 $19,175 $22,311 $24,120 $30,150 $36,180 $42,210 2 $25,822 $30,044 $32,480 $40,600 $48,720 $56,840 3 $32,468 $37,777 $40,840 $51,050 $61,260 $71,470 4 $39,114 $45,510 $49,200 $61,500 $73,800 $86,100 5 $45,760 $53,243 $57,560 $71,950 $86,340 $100,730 6 $52,406 $60,976 $65,920 $82,400 $98,880 $115,360 Poverty Level 159% 185% 200% 250% 300% 350%

7 CICP/ Wecare Rate/FPL Financial Assistance and Patient Payment Responsibility Page 7 of 7 Inpatient Facility Addendum C Copay Table Effect 11/10/2017 Ambulatory Surgery MRI, CT, NM, SleepLab, Cath Lab Emergency Room Specialty Outpatient (ie: Echo, EKG) Imaging / Ultrasound Z/0-40% $0 $0 $0 $0 $0 $0 $0 N/0-40% $15 $15 $15 $15 $15 $5 $5 A/41-62% $65 $65 $65 $25 $25 $10 $10 B/63-81% $105 $105 $105 $25 $25 $10 $10 C/82-100% $155 $155 $155 $30 $30 $15 $15 D/ % $220 $220 $220 $30 $30 $15 $15 E/ % $300 $300 $300 $35 $35 $20 $20 F/ % $390 $390 $390 $35 $35 $20 $20 G/ % $535 $535 $535 $45 $45 $30 $30 H/ % $600 $600 $600 $45 $45 $30 $30 I/ % $630 $630 $630 $50 $50 $35 $35 Laboratory J/ % 15% 15% 15% 15% 15% 15% 15% K/ % 20% 20% 20% 20% 20% 20% 20% * Multiple services will be charged separate copays, with the exception of lab tests. 2 x-rays, 2 copays. X-ray & lab, 2 copays. * Peoples Clinic plan is equal to our WeCare. * CICP cards will state CICP on them. (Colorado Indigent Care Program) * CR visits will be charged either the ER copay or the MRI/CT/NUC MED copay (if one of these services is provided during ER visit) but not both. * For J and K Wecare rates, patient is responsible for a percent of their total charges not the balance after insurance.

Financial Assistance and Patient Payment Responsibility

Financial Assistance and Patient Payment Responsibility 1 of 13 Policy LD.2001.ORG Financial Assistance and Patient Payment Responsibility Purpose: As a tax-exempt, non-profit organization, Boulder Community Health (BCH) is dedicated to ensuring that emergency

More information

You must pay all of the costs for these services up to the specific deductible amount before this plan begins to pay for these services.

You must pay all of the costs for these services up to the specific deductible amount before this plan begins to pay for these services. 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 www.avmed.org or by calling 1-800-477-8768. Important Questions

More information

Quote Effective: 04/01/ /30/2019 Version Updated: 01/07/2019

Quote Effective: 04/01/ /30/2019 Version Updated: 01/07/2019 Quote Effective: 04/01/2019-06/30/2019 Version Updated: 01/07/2019 Print Package: HIOS ID (Enrollment Code) 78124NY1000265-00 (SON5) Plan Name: Rating Region: Rate Rochester For the Benefits described

More information

Important Questions Answers Why this Matters:

Important Questions Answers Why this Matters: 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 https://eoc.anthem.com/eocdps/fi or by calling 1-800-542-9402.

More information

AvMed In-Network Tier A Providers: $1,500 individual / $3,000 family AvMed In-Network Tier B Providers: What is the overall deductible?

AvMed In-Network Tier A Providers: $1,500 individual / $3,000 family AvMed In-Network Tier B Providers: What is the overall deductible? 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 www.avmed.org or by calling 1-800-477-8768. Important Questions

More information

$15 copay $25 copay. - Silver&Fit copays are not included in the Annual Out-Of- Pocket Maximum

$15 copay $25 copay. - Silver&Fit copays are not included in the Annual Out-Of- Pocket Maximum Prepared for Dundee Central School Effective: 01/01/2018 Plan Feature Highlights Annual deductible None $250 Annual out-of-pocket maximum (medical services only, does not include prescription drugs) $1,250

More information

PATIENT ASSISTANCE PROGRAM

PATIENT ASSISTANCE PROGRAM Policy: ADM30.00, v.10 Category: Administrative/Patient Accounts PATIENT ASSISTANCE PROGRAM Effective: 08/10/2016 Origination Date: 05/02/2003 I. PURPOSE: The purpose of this policy is to further the charitable

More information

HUMANA HEALTH PLAN (HHP): Humana Simplicity HMO 16 Coverage Period: Beginning on or after: 01/01/

HUMANA HEALTH PLAN (HHP): Humana Simplicity HMO 16 Coverage Period: Beginning on or after: 01/01/ HUMANA HEALTH PLAN (HHP): Humana Simplicity HMO 16 Coverage Period: Beginning on or after: 01/01/2016 165002 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Individual

More information

Small Group HMO Coverage Period: Beginning on or after 05/01/2013

Small Group HMO Coverage Period: Beginning on or after 05/01/2013 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 www.avmed.org. or by calling 1-800-376-6651. Important Questions

More information

HUMANA HEALTH PLAN (HHP): HumanaHMO 16 Copay Coverage Period: Beginning on or after: 01/01/

HUMANA HEALTH PLAN (HHP): HumanaHMO 16 Copay Coverage Period: Beginning on or after: 01/01/ HUMANA HEALTH PLAN (HHP): HumanaHMO 16 Copay Coverage Period: Beginning on or after: 01/01/2016 166003 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Individual +

More information

$15 copay $25 copay. in a specialist office. - Silver&Fit copays are not included in the Annual Out-Of- Pocket Maximum

$15 copay $25 copay. in a specialist office. - Silver&Fit copays are not included in the Annual Out-Of- Pocket Maximum Prepared for Genesee Area Healthcare Plan Effective: 01/01/2019 Plan Feature Highlights Annual deductible None $250 Annual out-of-pocket maximum (medical services only, does not include prescription drugs)

More information

Blue Cross Select Silver 94 Blue Cross Preferred Silver 94

Blue Cross Select Silver 94 Blue Cross Preferred Silver 94 Blue Cross Select Silver 94 Blue Cross Preferred Silver 94 An individual HMO health plan from Blue Care Network of Michigan. Blue Cross Select You may choose from a select network of quality primary care

More information

Coverage for: Single Enrollee Plan Type: TRAD/PPO. Important Questions Answers Why This Matters: $2,500/single Network $5,000/single Non-Network

Coverage for: Single Enrollee Plan Type: TRAD/PPO. Important Questions Answers Why This Matters: $2,500/single Network $5,000/single Non-Network Summary of Benefits and Coverage: What this Plan Covers & What You Pay For Covered Services Coverage Period: 01/01/2018-12/31/2018 STRS OHIO : Basic Plan with Medicare Part B Only Coverage for: Single

More information

AvMed Network: $1,500 individual / $3,000 family Doesn t apply to preventive care. What is the overall deductible?

AvMed Network: $1,500 individual / $3,000 family Doesn t apply to preventive care. What is the overall deductible? 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 www.avmed.org or by calling 1-800-376-6651. Important Questions

More information

What is the overall deductible? Are there other deductibles for specific services?

What is the overall deductible? Are there other deductibles for specific services? 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 www.avmed.org or by calling 1-800-376-6651. Important Questions

More information

Important Questions Answers Why this Matters:

Important Questions Answers Why this Matters: 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 www.crystalrunhp.com or by calling 1-844-638-6506. Important

More information

You can see the specialist you choose without permission from this plan.

You can see the specialist you choose without permission from this plan. 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 www.crystalrunhealthinsurancecompany.com or by calling 1-844-638-6506.

More information

01/01/ /31/2019 UMR: PALO PINTO GENERAL HOSPITAL:

01/01/ /31/2019 UMR: PALO PINTO GENERAL HOSPITAL: Summary of Benefits and Coverage: What this Plan Covers & What You Pay For Covered Services Coverage Period: 01/01/2019 12/31/2019 UMR: PALO PINTO GENERAL HOSPITAL: 7670-00-160036 001 Coverage for: Individual

More information

COVERAGE INFORMATION. $2,400 Person/$4,800 Family - Aggregate As Noted Below $2,400 Person/$4,800 Family - Aggregate 0% coinsurance* 0% coinsurance*

COVERAGE INFORMATION. $2,400 Person/$4,800 Family - Aggregate As Noted Below $2,400 Person/$4,800 Family - Aggregate 0% coinsurance* 0% coinsurance* Vermont VM: Plan Name: MVP VT Gold 3 HDHP Plus 2400 Plan Form: FRVT-HMOH-G-003-N (2018) Plan Status: Active MVP VT Gold 3 HDHP Plus 2400 Plan Cost-Sharing Highlights Annual Deductible Coinsurance Annual

More information

Important Questions Answers Why this Matters:

Important Questions Answers Why this Matters: 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 www.anthem.com or by calling 1-877-309-2955. Important Questions

More information

Important Questions Answers Why this Matters:

Important Questions Answers Why this Matters: 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 www.preferredhealthchoices.com or by calling 1-563-584-4783

More information

Nationwide Life Insurance Co.: University of Southern Maine (International) Coverage Period: 8/1/13-7/31/14

Nationwide Life Insurance Co.: University of Southern Maine (International) Coverage Period: 8/1/13-7/31/14 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 www.chpstudent.com or by calling 1-800-633-7867. Important

More information

You must pay all of the costs for these services up to the specific deductible amount before the plan begins to pay for these services.

You must pay all of the costs for these services up to the specific deductible amount before the plan begins to pay for these services. 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 www.anthem.com or by calling 1-800-552-9159. Important Questions

More information

HealthKeepers, Inc. Anthem HealthKeepers University of Virginia Physicians Group Anthem HealthKeepers- $750/$1,500 deductible

HealthKeepers, Inc. Anthem HealthKeepers University of Virginia Physicians Group Anthem HealthKeepers- $750/$1,500 deductible HealthKeepers, Inc. Anthem HealthKeepers University of Virginia Physicians Group Anthem HealthKeepers- $750/$1,500 deductible Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage

More information

Anthem Blue Cross University of the Pacific Student Health Plan PPO with Student Health Center (100/80/60) Coverage Period: 08/01/ /31/2016

Anthem Blue Cross University of the Pacific Student Health Plan PPO with Student Health Center (100/80/60) Coverage Period: 08/01/ /31/2016 Anthem Blue Cross University of the Pacific Student Health Plan PPO with Student Health Center (100/80/60) Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage Period: 08/01/2015-07/31/2016

More information

: Federal Employees Standard Option Coverage Period: 01/01/ /31/2017 Summary of Benefits and Coverage

: Federal Employees Standard Option Coverage Period: 01/01/ /31/2017 Summary of Benefits and Coverage This is only a summary. Please read the FEHB Plan brochure (RI 73-815) that contains the complete terms of this plan. All benefits are subject to the definitions, limitations, and exclusions set forth

More information

Important Questions Answers Why this Matters:

Important Questions Answers Why this Matters: 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 www.crystalrunhp.com or by calling 1-844-638-6506. Important

More information

SUBLUE AND SUORANGE: 2018 SCHEDULE OF BENEFITS -EMPLOYEE COST SHARING

SUBLUE AND SUORANGE: 2018 SCHEDULE OF BENEFITS -EMPLOYEE COST SHARING Cost Sharing Definitions Annual Deductible 1 (amounts are not cumulative across levels) $100 per individual with a maximum of $250 for a family $300 per individual with a maximum of $1,000 for a family

More information

Annual deductibles and maximums In-network Out-of-network Lifetime maximum

Annual deductibles and maximums In-network Out-of-network Lifetime maximum SUMMARY OF BENEFITS City of Richmond & Richmond Public Schools (Plan B) Connecticut General Life Insurance Co. Annual deductibles and maximums Lifetime maximum Unlimited per individual Pre-Existing Condition

More information

Anthem Blue Cross Blue Shield: Anthem Silver DirectAccess - cbka Coverage Period: 01/01/ /31/2014

Anthem Blue Cross Blue Shield: Anthem Silver DirectAccess - cbka Coverage Period: 01/01/ /31/2014 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 www.anthem.com or by calling 1-888-231-5046. Important Questions

More information

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

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 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 www.networkhealth.com/benefits/sbc/individualpolicy.pdf or

More information

Important Questions Answers Why this Matters: What is the overall deductible? Are there other deductibles for specific services?

Important Questions Answers Why this Matters: What is the overall deductible? Are there other deductibles for specific services? Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: All Coverage Tiers Plan Type: HMO This is only a summary. If you want more detail about your coverage and costs, you

More information

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.

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. 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 by email at info@healthplan.org or by calling 740.695.7902 or

More information

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.

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. 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 by calling 1-866-497-5711. Important Questions Answers Why this

More information

Important Questions Answers Why this Matters:

Important Questions Answers Why this Matters: 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 www.summacare.com or by calling 1-800-996-8701. Important

More information

Companion Life Insurance Company: New England Culinary Institute Coverage Period: 7/1/14-7/1/15

Companion Life Insurance Company: New England Culinary Institute Coverage Period: 7/1/14-7/1/15 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 www.chpstudent.com or by calling 1-800-633-7867. Important

More information

BMC HealthNet Plan: Bronze Saver/Bronze Low Coverage Period: 08/01/ /31/2013 Summary of Benefits and Coverage:

BMC HealthNet Plan: Bronze Saver/Bronze Low Coverage Period: 08/01/ /31/2013 Summary of Benefits and Coverage: 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 www.bmchp.org or by calling 1-877-492-6967. Important Questions

More information

Blue Cross Silver, a Multi-State Plan 94

Blue Cross Silver, a Multi-State Plan 94 Blue Cross Silver, a Multi-State Plan 94 An individual PPO health plan from Blue Cross Blue Shield of Michigan. You will have a broad choice of doctors and hospitals within BCBSM s unsurpassed statewide

More information

Blue Cross Silver, a Multi-State Plan 87

Blue Cross Silver, a Multi-State Plan 87 Blue Cross Silver, a Multi-State Plan 87 An individual PPO health plan from Blue Cross Blue Shield of Michigan. You will have a broad choice of doctors and hospitals within BCBSM s unsurpassed statewide

More information

Important Questions. Why this Matters:

Important Questions. Why this Matters: Important Questions What is the overall deductible? 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 www.anthem.com/ca/calpers

More information

MANUAL/DEPARTMENT ORIGINATION DATE DECEMBER 2015 LAST DATE OF REVIEW OR REVISION APPROVED BY

MANUAL/DEPARTMENT ORIGINATION DATE DECEMBER 2015 LAST DATE OF REVIEW OR REVISION APPROVED BY MANUAL/DEPARTMENT ADMINISTRATIVE POLICY AND PROCEDURE MANUAL ORIGINATION DATE DECEMBER 2015 LAST DATE OF REVIEW OR REVISION REVIEW: MARCH 2016 REVISION: JULY 2017, DECEMBER 2017 APPROVED BY TITLE: FINANCIAL

More information

Oscar Market Silver Plan Coverage Period: 01/01/ /31/2017

Oscar Market Silver Plan Coverage Period: 01/01/ /31/2017 This is only a summary. If you want more detail about coverage and costs, you can get the complete terms in the policy or plan document at https://www.hioscar.com/forms/?planstate=tx&plandate=2017 or by

More information

What is the overall deductible?

What is the overall deductible? Summary of Benefits and Coverage: What this Plan Covers & What You Pay For Covered Services Coverage Period: 7/1/2018 6/30/2019 WEA Trust Essential Health Plan: Kenosha School District Coverage for: Individual/Family

More information

$0 See the chart starting on page 2 for your costs for services this plan covers.

$0 See the chart starting on page 2 for your costs for services this plan covers. This is only a summary. If you want more detail about your medical coverage and costs, you can get the complete terms in the policy or plan document at www.teamsters-hma.com or by calling 1-877-384-2875.

More information

2019 Summary of Benefits

2019 Summary of Benefits Your health. Our focus. 2019 Summary of Benefits Health Partners Medicare Special (HMO SNP) 2019 Summary of Benefits Health Partners Medicare (H9207) Health Partners Medicare Special (HMO SNP) (plan 004)

More information

State of Florida Health Investor HMO Plan Coverage Period: 1/1/ /31/2014

State of Florida Health Investor HMO Plan Coverage Period: 1/1/ /31/2014 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Individual & Family Plan Type: HMO This is only a summary. If you want more detail about your coverage and costs, you

More information

Coverage for: All Coverage Tiers Plan Type: POS. 1 of 9

Coverage for: All Coverage Tiers Plan Type: POS. 1 of 9 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 www.paramounthealthcare.com or by calling 1-800-462-3589.

More information

I. PLAN DESCRIPTIONS. A. POS Point of Service

I. PLAN DESCRIPTIONS. A. POS Point of Service I. PLAN DESCRIPTIONS A. POS Point of Service The Partnership Plan offers a single point of service plan to provide healthcare services both within and outside a defined network of Providers. No referrals

More information

POLICY AND/OR PROCEDURE

POLICY AND/OR PROCEDURE POLICY AND/OR PROCEDURE TITLE: Financial Assistance POLICY NUMBER: 003.003 DEPARTMENT: Patient Accounts/Business Office EFFECTIVE: October 16, 2017 Purpose To provide a consistent method of determining

More information

Nationwide Life Ins. Co.: Cape Cod Academy Coverage Period: 9/1/13-8/31/14

Nationwide Life Ins. Co.: Cape Cod Academy Coverage Period: 9/1/13-8/31/14 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 www.chpstudent.com or by calling 1-800-633-7867. Important

More information

What is the overall deductible?

What is the overall deductible? OAP: School Board of Brevard County, The Coverage Period: 05/01/2013-12/31/2013 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Individual/Individual + Family Plan

More information

Nationwide Life Insurance Co.: University of Southern Maine (Domestic) Coverage Period: 8/15/13 8/14/14

Nationwide Life Insurance Co.: University of Southern Maine (Domestic) Coverage Period: 8/15/13 8/14/14 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 www.chpstudent.com or by calling 1-800-633-7867. Important

More information

Important Questions Answers Why This Matters: If took HealthQuotient:

Important Questions Answers Why This Matters: If took HealthQuotient: HealthFlex: Blue Cross and Blue Shield of Illinois Coverage Period: 01/01/2017-12/31/2017 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: All Tiers Plan Type: HDHP

More information

Affinity Health Plan: Essential Plan 1 plus Dental/Vision Summary of Benefits and Coverage: What this Plan Covers & What it Costs

Affinity Health Plan: Essential Plan 1 plus Dental/Vision Summary of Benefits and Coverage: What this Plan Covers & 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 schedule of benefits at www.affinityplan.org or by calling 1-866-247-5678. Important

More information

Summary of Benefits 2019 MyCare Rx 39 (HMO) MyCare Rx 40 (HMO) Clackamas, Multnomah, and Washington County

Summary of Benefits 2019 MyCare Rx 39 (HMO) MyCare Rx 40 (HMO) Clackamas, Multnomah, and Washington County Summary of Benefits 2019 MyCare Rx 39 (HMO) MyCare Rx 40 (HMO) Clackamas, Multnomah, and Washington County Y0021_H3864_MED57_0818_M Accepted 08262018 Things to Know About PacificSource Medicare MyCare

More information

Medical EPO Plan Schedule of Benefits (Effective January 01, 2019) JHH/JHHSC Non-Union and Union Employees and Eligible Dependents

Medical EPO Plan Schedule of Benefits (Effective January 01, 2019) JHH/JHHSC Non-Union and Union Employees and Eligible Dependents Plan Year Deductible Out-of-Pocket Maximum Lifetime Maximum Hopkins Preferred Network Provider EHP Network Provider Individual $500 $500 Family $1000 $1000 Individual $3000 (combined with EHP Network)

More information

Summary of Benefits 2019 Explorer Rx 7 (PPO) Coos County, Curry County

Summary of Benefits 2019 Explorer Rx 7 (PPO) Coos County, Curry County Summary of Benefits 2019 Explorer Rx 7 (PPO) Coos County, Curry County Y0021_H4754_MED43_0818_M Accepted 08262018 Things to Know About PacificSource Medicare Explorer Rx 7 (PPO) Who can join? To join PacificSource

More information

Policy Name and Number. MCP 750.3, Charity Care. Effective Date August 8, 2017 Original Approved Date. January 13, Revised Date(s) July 5, 2017

Policy Name and Number. MCP 750.3, Charity Care. Effective Date August 8, 2017 Original Approved Date. January 13, Revised Date(s) July 5, 2017 Policy Name and Number Effective Date August 8, 2017 Original Approved Date January 13, 2015 Revised Date(s) July 5, 2017 ABSTRACT: UC San Diego Health (UCSDH) strives to provide quality patient care and

More information

SUMMARY OF BENEFITS. Cigna Health and Life Insurance Co.

SUMMARY OF BENEFITS. Cigna Health and Life Insurance Co. SUMMARY OF BENEFITS Ohio Associated Enterprises Health Savings Account Open Access Plus www.mycigna.com Member Services: (866) 494-2111 Cigna Health and Life Insurance Co. General Services In-Network Out-of-Network

More information

Important Questions Answers Why this Matters:

Important Questions Answers Why this Matters: 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 www.anthem.com or by calling 1-888-650-4047. Important Questions

More information

This Schedule of Benefits is part of your Benefit Booklet, where more detailed information about your benefits can be found.

This Schedule of Benefits is part of your Benefit Booklet, where more detailed information about your benefits can be found. BlueOptions Schedule of Benefits Plan 03766 Important things to keep in mind as you review this Schedule of Benefits: This Schedule of Benefits is part of your Benefit Booklet, where more detailed information

More information

$300 Individual; $ 800 Family. Applies to out-of-network services only. What is the overall deductible?

$300 Individual; $ 800 Family. Applies to out-of-network services only. What is the overall deductible? What is the overall deductible? 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 www.indecscorp.com or by

More information

Summary of Benefits 2019 MyCare Rx 34 (HMO) Pierce County

Summary of Benefits 2019 MyCare Rx 34 (HMO) Pierce County Summary of Benefits 2019 MyCare Rx 34 (HMO) Pierce County Y0021_H3864_MED73_0818_M Accepted 08262018 Things to Know About PacificSource Medicare MyCare Rx 34 (HMO) Who can join? To join PacificSource Medicare

More information

Oscar Simple Silver Plan Coverage Period: 01/01/ /31/2017

Oscar Simple Silver Plan Coverage Period: 01/01/ /31/2017 This is only a summary. If you want more detail about coverage and costs, you can get the complete terms in the policy or plan document at https://www.hioscar.com/forms/?planstate=ny&plandate=2017 or by

More information

UnitedHealthcare Choice Plus. UnitedHealthcare Insurance Company. Certificate of Coverage

UnitedHealthcare Choice Plus. UnitedHealthcare Insurance Company. Certificate of Coverage UnitedHealthcare Choice Plus UnitedHealthcare Insurance Company Certificate of Coverage For the Plan 21D of Big Walnut Local School District Enrolling Group Number: 753271 Effective Date: January 1, 2016

More information

Summary of Benefits 2019 Essentials Rx 6 (HMO) Essentials Rx 27 (HMO) Central Oregon, Eastern Oregon, and Mid-Columbia Gorge

Summary of Benefits 2019 Essentials Rx 6 (HMO) Essentials Rx 27 (HMO) Central Oregon, Eastern Oregon, and Mid-Columbia Gorge Summary of Benefits 2019 Essentials Rx 6 Essentials Rx 27 Central Oregon, Eastern Oregon, and Mid-Columbia Gorge This document is available in other formats, such as Braille and large print. This document

More information

Important Questions. Why this Matters:

Important Questions. Why this Matters: Important Questions 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 www.anthem.com/ca/calpers or by calling

More information

Important Questions Answers Why this Matters: What is the overall deductible?

Important Questions Answers Why this Matters: What is the overall deductible? This is only a summary. If you want more detail about your medical coverage and costs, you can get the complete terms in the policy or plan document at www.teamsters-hma.com or by calling 1-877-384-2875.

More information

No. What is not included in the out of pocket limit? Even though you pay these expenses, they don t count toward the out-of-pocket limit.

No. What is not included in the out of pocket limit? Even though you pay these expenses, they don t count toward the out-of-pocket limit. This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the plan s summary plan description at www.psbenefitstrust.com or by calling (206) 441-7574,

More information

2018 MEDICARE. summary of benefits. advantage plan. Serving Members in Josephine & Jackson Counties

2018 MEDICARE. summary of benefits. advantage plan. Serving Members in Josephine & Jackson Counties 2018 MEDICARE advantage plan summary of benefits Serving Members in Josephine & Jackson Counties Table of Contents About the Summary of Benefits... 1 Who Can Join?... 1 Which doctors, hospitals and pharmacies

More information

Central State University Student Health Plan Coverage Period: 8/11/13-8/10/14

Central State University Student Health Plan Coverage Period: 8/11/13-8/10/14 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 www.chpstudent.com or by calling 1-800-633-7867. Important

More information

Important Questions Answers Why this Matters:

Important Questions Answers Why this Matters: 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 www.anthem.com or by calling 1-855-333-5735. Important Questions

More information

Affinity Health Plan: Essential Plan 1 Summary of Benefits and Coverage: What this Plan Covers & What it Costs

Affinity Health Plan: Essential Plan 1 Summary of Benefits and Coverage: What this Plan Covers & 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 schedule of benefits at www.affinityplan.org/ep/member or by calling 1-866-247-5678.

More information

Important Questions Answers Why this Matters: Member $3,000/$4,500/$8,000 (Option 1/Option 2/Option 3) What is the overall

Important Questions Answers Why this Matters: Member $3,000/$4,500/$8,000 (Option 1/Option 2/Option 3) What is the overall 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 www.rmhp.org or by calling 1-800-346-4643. Important Questions

More information

Cigna Health and Life Insurance Co.

Cigna Health and Life Insurance Co. SUMMARY OF BENEFITS Kass Shuler, P.A. Open Access Plus - Preferred www.mycigna.com Member Services 866-494-2111 Cigna Health and Life Insurance Co. Notice of Grandfathered Plan Status This plan is being

More information

FINANCIAL ASSISTANCE POLICY SUMMARY

FINANCIAL ASSISTANCE POLICY SUMMARY Reviewed: 02/09, 9/19/13, 7/17 Authority: EC Revised: 10/09, 06/15/10, 3/2/11, 10/02/13, 2/1/16, 11/17 Page: 1 of 14 FINANCIAL ASSISTANCE POLICY SUMMARY SCOPE: This policy applies to the following Adventist

More information

Important Questions Answers Why this Matters:

Important Questions Answers Why this Matters: 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 www.studentplanscenter.com or by calling 1-800-756-3702.

More information

Important Questions Answers Why this Matters:

Important Questions Answers Why this Matters: 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 www.arcsvs.com or by calling 1-877-309-2955. Important Questions

More information

FCSRMC 2017 HEALTH SCHEDULE OF BENEFITS

FCSRMC 2017 HEALTH SCHEDULE OF BENEFITS FCSRMC 2017 HEALTH SCHEDULE OF BENEFITS BlueOptions Plan 05772 Important things to keep in mind as you review this Schedule of Benefits: This Schedule of Benefits is part of your Benefit Booklet, where

More information

Important Questions Answers Why this Matters:

Important Questions Answers Why this Matters: 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 www.anthem.com/ca or by calling 1-855-333-5730. Important

More information

Oscar Silver 70 EPO Plan Coverage Period: 01/01/ /31/2016

Oscar Silver 70 EPO Plan Coverage Period: 01/01/ /31/2016 This is only a summary. If you want more detail about coverage and costs, you can get the complete terms in the policy or plan document at www.hioscar.com or by calling 1-855-OSCAR-55. Important Questions

More information

Medical Schedule of Benefits (Effective January 01, 2016) Johns Hopkins Bayview Medical Center Non-Union and Union Employees and Eligible Dependents

Medical Schedule of Benefits (Effective January 01, 2016) Johns Hopkins Bayview Medical Center Non-Union and Union Employees and Eligible Dependents Plan Year Deductible Out-of-Pocket Maximum Lifetime Maximum EHP Network Provider Out of Network Provider Hopkins Preferred Network Provider Individual $100 $750 $0 Family $200 $1500 $0 Individual $2000

More information

University of Virginia Physicians Group: Anthem HealthKeepers- $750/$1,500 Deductible Coverage Period: 07/01/ /30/2017

University of Virginia Physicians Group: Anthem HealthKeepers- $750/$1,500 Deductible Coverage Period: 07/01/ /30/2017 University of Virginia Physicians Group: Anthem HealthKeepers- $750/$1,500 Deductible Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage Period: 07/01/2016-06/30/2017 Coverage

More information

Auto Sprinkler Local 281, U.A. Welfare Plan: Actives & Retirees Coverage Period: 1/01/ /31/2017 Summary of Benefits and Coverage:

Auto Sprinkler Local 281, U.A. Welfare Plan: Actives & Retirees Coverage Period: 1/01/ /31/2017 Summary of Benefits and Coverage: 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 by calling 1-708-597-1832. Important Questions Answers Why this

More information

Important Questions Answers Why this Matters:

Important Questions Answers Why this Matters: 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 by calling 1-585-343-0055 ext. 6415. Important Questions Answers

More information

Schedule of Benefits

Schedule of Benefits Schedule of Benefits NHP Prime HMO plan for GIC members Exclusively for members of the Group Insurance Commission health plan meets Minimum Creditable Coverage standards and will satisfy the individual

More information

BCBSM provides administrative claims services only. Your employer or plan sponsor is financially responsible for claims.

BCBSM provides administrative claims services only. Your employer or plan sponsor is financially responsible for claims. Western Michigan Health Insurance Pool Group Number: 71565 Package Code(s): 016 Section Code(s): 1010, 1110 PPO Select 4, RX1, Hearing Effective Date: 01/01/2018 Benefits-at-a-glance This is intended as

More information

: FlexPOS-CNT D-07 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Family Plan Type: POS

: FlexPOS-CNT D-07 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Family Plan Type: POS 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 www.connecticare.com or by calling 1-800-251-7722. Important

More information

$0 family AvMed In-Network Tier B Providers: $0 individual / What is the overall deductible?

$0 family AvMed In-Network Tier B Providers: $0 individual / What is the overall deductible? 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 www.avmed.org or by calling 1-800-376-6651. Important Questions

More information

Oscar Gold 80 EPO Plan Coverage Period: 01/01/ /31/2016

Oscar Gold 80 EPO Plan Coverage Period: 01/01/ /31/2016 This is only a summary. If you want more detail about coverage and costs, you can get the complete terms in the policy or plan document at www.hioscar.com or by calling 1-855-OSCAR-55. Important Questions

More information

What is the overall deductible? Are there other deductibles for specific services?

What is the overall deductible? Are there other deductibles for specific services? Standard Gold Point-of-Service (POS) : POS HD 1000 Gold Coverage Period: 2014 This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy

More information

What is the overall deductible? Are there other deductibles for specific services?

What is the overall deductible? Are there other deductibles for specific services? 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 www.avmed.org or by calling 1-800-376-6651. Important Questions

More information

COSE MEWA : HRA W RX

COSE MEWA : HRA W RX 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 MedMutual.com/SBC or by calling 800.540.2583. Important Questions

More information

$0 See the chart starting on page 2 for your costs for services this plan covers.

$0 See the chart starting on page 2 for your costs for services this plan covers. 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 www.sharphealthplan.com or by calling 1-800-359-2002. Important

More information

Roger Williams University-Facilities BlueChip Health Reimbursement Arrangement Coverage Period: 07/01/ /30/2019

Roger Williams University-Facilities BlueChip Health Reimbursement Arrangement Coverage Period: 07/01/ /30/2019 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 www.bcbsri.com or by calling 1-800-639-2227 or (401) 459-5000.

More information

Important Questions Answers Why this Matters:

Important Questions Answers Why this Matters: Anthem BlueCross Anthem Elements Choice PPO 6000 / Generic Premium $15/$35/30% 500 Deductible Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage Period: 01/01/2015-12/31/2015

More information

Does not apply to Network Preventive deductible?

Does not apply to Network Preventive deductible? Wittenberg University: Blue Access (PPO) Option 2 Coverage Period: 01/01/2016-12/31/2016 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Individual/Family Plan Type:

More information

Anthem BlueCross BlueShield Christian Care Communities Blue Access PPO Coverage Period: 01/01/ /31/2015 Summary of Benefits and Coverage:

Anthem BlueCross BlueShield Christian Care Communities Blue Access PPO Coverage Period: 01/01/ /31/2015 Summary of Benefits and Coverage: 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 www.anthem.com or by calling 1-888-650-4047. Important Questions

More information

Medical EPO Plan Schedule of Benefits (Effective January 01, 2019) Howard County General Hospital/TCAS Employees and Eligible Dependents

Medical EPO Plan Schedule of Benefits (Effective January 01, 2019) Howard County General Hospital/TCAS Employees and Eligible Dependents Plan Year Deductible Out-of-Pocket Maximum Lifetime Maximum Hopkins Affiliated Facility Network (facility charges only) EHP Network Provider Individual $500 $500 Family $1000 $1000 Individual $3000 (combined

More information

Important Questions Answers Why this Matters:

Important Questions Answers Why this Matters: 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 www.capitalhealth.com or by calling 1-850-383-3311. Important

More information