Important Questions Answers Why this Matters: For in-network providers Deductible is not applicable innetwork

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1 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: What is the overall deductible? Are there other deductibles for specific services? Is there an out of pocket limit on my expenses? For in-network providers Deductible is not applicable innetwork For out-of-network providers $1,000 individual / $2,000 2 member family / $3, member family Doesn t apply to in-network preventive care. No. For out-of-network providers $3,000 individual / $6,000 2 member family / $9, member family You must pay all the costs up to the deductible amount before this plan begins to pay for covered out-of-network services you use. Check your policy or plan document to see when the deductible starts over (usually, but not always, January 1st). 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 the most you could pay during a coverage period (usually one year) for your share of the cost of out-of-network covered services. This limit helps you plan for health care expenses. What is not included in the out of pocket limit? Is there 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? Premiums, balance-billed charges, and health care this plan doesn t cover. No. Yes. For a list of preferred providers, see or call No. Even though you pay these expenses, they don t count toward the out-ofpocket 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 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. 1 of 11

2 Are there services this plan doesn t cover? Yes. Some of the services this plan doesn t cover are listed on page 7. See your policy or plan document for additional information about excluded services. 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 30% would be $300. This may change if 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 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. Common Medical Event If you visit a health care provider s office or clinic Services You May Need Primary care visit to treat an injury or illness Specialist visit Other practitioner office visit Preventive care/screening/immunization In-network $30 copay/visit $45 copay/visit $45 copay/visit No Charge Out-of-network Limitations & Exceptions 2 of 11

3 Common Medical Event If you have a test If you need drugs to treat your illness or condition More information about prescription drug coverage is available at Services You May Need Diagnostic test (x-ray, blood work) Imaging (CT/PET scans, MRIs) Generic drugs Preferred brand drugs Non-preferred brand drugs In-network Diagnostic Lab: At an independent free standing laboratory- No Charge In an outpatient hospital setting- $30 copay/visit. Diagnostic Xrays: $30 copay/visit or $45 copay/ visit for specialist $75 copay/service $15 copay/prescription $15 copay/prescription $25 copay/prescription $50 copay/prescription $40 copay/prescription $80 copay/prescription Out-of-network 20% of the in-network allowance, plus the difference between Anthem Blue Cross and Blue Shield s payment and the pharmacist s actual charge. Limitations & Exceptions Prior authorization is required for the following services: MRI, MRA, CAT, CTA, PET, SPECT scans. There is $375 in-network Copayment Maximum per Member per Calendar Year. Limited to 30-day supply of prescription drugs from a participating retail pharmacy. Mail-order program is limited to 31- day to 90-day supply of maintenance drugs through. 3 of 11

4 Common Medical Event Services You May Need In-network Out-of-network Limitations & 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 attention If you have a hospital stay Specialty drugs Facility fee Hospital Outpatient (or ambulatory surgery center) Physician/surgeon fees For generic: $15 copay/prescription $15 copay/prescription For preferred: $25 copay/prescription $50 copay/prescription For non-preferred: $40 copay/prescription $80 copay/prescription $250 copay/visit ($100 copay/visit) $30 copay/visit or $45 copay/visit for specialist 20% of the in-network allowance, plus the difference between Anthem Blue Cross and Blue Shield s payment and the pharmacist s actual charge. Limited to 30-day supply of prescription drugs from a participating retail pharmacy. Mail-order program is limited to 31- day to 90-day supply of maintenance drugs through. Emergency room services $150 copay/visit $150 copay/visit Emergency medical transportation No Charge No Charge Urgent care $75 copay/visit Not Covered Facility fee (e.g., hospital room) Physician/surgeon fee to $2,000 maximum $30 copay/visit or $45 copay/visit for specialist Inpatient hospitalizations require authorizations. 4 of 11

5 Common Medical Event If you have mental health, behavioral health, or substance abuse needs If you are pregnant If you need help recovering or have other special health needs Services You May Need Mental/Behavioral health outpatient services Mental/Behavioral health inpatient services Substance Abuse outpatient services Substance Abuse inpatient services Prenatal and postnatal care Delivery and all inpatient services Home health care Rehabilitation services Habilitation services In-network $30 copay/visit to $2,000 maximum. $30 copay/visit to $2,000 maximum. $45 copay/visit to $2,000 maximum. $30 copay/visit $45 copay/visit $45 copay/visit Out-of-network $50 deductible applies and 20% coinsurance Limitations & Exceptions Prior authorization required. Prior authorization is required. Prior authorization required. Prior authorization is required. Initial visit is subject to in network $45 copay. No charge, thereafter. Prior authorization is required. Home Health care services limited to 100 visits per member per calendar year. Prior authorization required after the first visit for Physical Therapy and Occupational Therapy. 30 combined visit maximum for Physical, Occupational and Speech Therapy per member. 20 visit maximum for Chiropractic care per member. All rehabilitation and habilitation visits count toward your rehabilitation visit limit. 5 of 11

6 Common Medical Event If your child needs dental or eye care Services You May Need Skilled nursing care Durable medical equipment Hospice service Eye exam (routine or medical) In-network to $2,000 maximum 50% coinsurance to $2,000 maximum Medical Plan: Routine eye exam: No Charge Medical eye exam: $45 copay/visit Out-of-network 50% coinsurance, Not Covered Limitations & Exceptions Prior authorization is required. Skilled nursing facility services limited to 90 days per member. For a complete list of exclusions and limitations, please reference your Certificate of Coverage. Prior authorization is required. (Embedded) Vision plan coverage: $20 Copayment for routine eye exams. Routine eye exams covered once every 12 months. Lenses and Frames: $20 copayment applies for each. Standard plastic lenses and frames are covered once Charges in excess of every 24 months. $120 maximum Glasses $20 Copayment the out-of-network when provider is in-network. (covered under the vision plan) fee schedule Elective contact lenses are available instead of glasses once every 24 months. $105 maximum when provider is in-network. Dental check-up Not Covered Not Covered 6 of 11

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.) Bariatric surgery Cosmetic surgery Dental care (Adult) Weight loss programs Long-term care 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.) Chiropractic care Hearing aids- (restrictions apply) Non-emergency care when traveling outside the U.S. Coverage provided outside the United States. See Acupuncture Routine foot care Infertility treatment (restrictions apply) Private-duty nursing- (restrictions apply) Routine eye 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 7 of 11

8 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: Anthem Blue Cross & Blue Shield Appeals 108 Leigus Road, Wallingford CT Department of Labor s Employee Benefits Security Administration EBSA (3272) Connecticut Insurance Department 153 Market Street, 7th Floor, Hartford, CT Additionally, a consumer assistance program can help you file your appeal. Contact: Connecticut Office of the Healthcare Advocate P.O. Box 1543 Hartford, CT (866) healthcare.advocate@ct.gov 8 of 11

9 Language Access Services: To see examples of how this plan might cover costs for a sample medical situation, see the next page. 9 of 11

10 Coverage Examples Coverage for: Individual/Family Plan Type: PPO 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. 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. Having a baby (In-network - 2 day normal delivery) Amount owed to providers: $15,540 Plan pays $14,495 Patient pays $1,045 Sample care costs: Hospital charges (mother) $10,700 Routine obstetric care $2,100 Hospital charges (baby) $900 Anesthesia $900 Laboratory tests $500 Prescriptions $200 Radiology $200 Vaccines, other preventive $40 Total $15,540 Patient pays: Deductibles $0 Copays ($45 initial visit copay plus $500 hospital copay/ 2 days=$1,000) $1,045 Coinsurance $0 Limits or exclusions $0 Total $1,045 Managing type 2 diabetes (In-network -maintenance of a well-controlled condition) Amount owed to providers: $1,600 Plan pays $1,515 Patient pays $85 Sample care costs: Prescriptions $500 Medical Office Visits and Procedures $700 Education $300 Laboratory tests $100 Total $1,600 Patient pays: Deductibles $0 Copays ($30 PCP office visit copay/ $55 in total for pharmacy copays) $85 Coinsurance $0 Limits or exclusions $0 Total $85 10 of 11

11 Coverage Examples Coverage for: Individual/Family Plan Type: PPO 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 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 innetwork 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, 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. 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 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 in each example. The 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 premium you pay. Generally, the lower your premium, the more you ll pay in out-ofpocket costs, such as copayments, deductibles, and coinsurance. 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 of 11