2018 Summary of Medical Plan Benefits

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1 Deductibles 2018 Summary of Medical Plan Benefits Annual Deductible $1,000 per individual $2,000 per individual $1,500 per Individual $2,500 per individual $2,200 for employee only coverage level** $4,000 for employee only coverage level** Family Deductible $3,000 family $6,000 family Hospital Deductible None $250 per admission* Out of Pocket Maximum $4,500 per $13,500 family $7,500 per $22,500 family $4,500 family None $7,150 per $14,300 family Page 1 $7,500 family $250 per admission* $10,500 per $31,500 family $6,600 for employee & 1 or more family members**(collective ) None $6,550 per individual; $13,100 for employee & 1 or more family members** $12,000 for employee & 1 or more family members** (collective ) None Lifetime Maximum Unlimited Unlimited Unlimited Unlimited Unlimited Unlimited *Separate from annual **Deductibles and out-of-pocket s for the Quality Connect plan are based on 2018 amounts allowed by the IRS. Preventive Care $13,000 per individual; $26,000 for employee & 1 or more family members** Routine Physicals 100%, Immunizations 100%, Well Child Care 100%, Well Baby Care (Newborn to Age 2) 100%, Annual Well Woman Exams 100%, *There is no longer a preventive care.

2 Prescriptions Generic No cost after $0 No cost $0 No cost Generic Preventive Retail 30 day supply $0 No cost Not available $0 No cost Not available $0 No cost Not available ( See List ) Brand name $40 co-pay (30-day supply), $40 co-pay (30-day supply), 30% after * * Non-preferred Brand Specialty High-Cost Drugs Mail Order $60 co-pay (30-day supply), $100 $0 generic and $80/brand name, $120/nonpreferred, $200 specialty up to a 90- day supply, Not available $60 co-pay (30-day supply), $100 $0 generic and $80/brand name, $120/nonpreferred, $200 specialty up to a 90- day supply, Not available * * 20%/generic, 30%/brand name and 50%/nonpreferred brand and specialty after for up to 90-day supply * Not available Generic Preventive Mail Order 90 day supply ( See List ) $0 No cost Not available $0 No cost Not available $0 No cost Not available *Brand name prescriptions will not be covered more than even if the physician requests that the prescription not be filled with a generic equivalent. Walgreens is no longer an In-Network pharmacy/prescription PPIs & allergy medications are not covered by any of the plans. Page 2

3 Office Visits Physician Services $25 co-pay, $45 co-pay, MCNT/USMD $25 co-pay, $35 co-pay, 85/15 after After Hours Specialists $40 co-pay, $60 co-pay, Specialists - CCD $40 co-pay, $50 co-pay, 85/15 after Airrosti $25 co-pay, $45 co-pay, 85/15 after Urgent Care Laboratory X-Rays Outpatient Surgery * * * * * * Allergy Testing & Injections Emergency ** ** ** ** ** ** * Some surgeries are required to be performed on an outpatient basis or benefits will be substantially reduced. ** Non-Emergency care in an Emergency Room may NOT be covered. Please call Cigna or review Cigna s Summary of Benefits. Page 3

4 Mental Health Benefit + Network Out-of-Network Network Out-of-Network Network Out-of-Network Inpatient Services annual s annual s annual s Outpatient Services s s Inpatient Serious Mental Illness annual s Outpatient Serious Mental Illness $25 copay + No yearly plan s annual s $45 copay s annual s s Substance Abuse Treatment Benefit + Network Out-of-Network Network Out-of-Network Network Out-of-Network Inpatient Services ; annual s; ; annual s annual Outpatient Services + No yearly plan s $45 Primary $60 - Specialist s s Page 4

5 Hospital Charges Room & Board (semi-private room) annual s annual s annual s Physician Services Surgeon Services Anesthesiology Nursery Charges Emergency Services Laboratory Services X-Rays Pre-Admission Testing ** annual s annual s annual s annual s ** annual s annual s annual s * ** ** annual s annual s annual s annual s ** annual s annual s annual s * ** ** Outpatient Surgery * * * Ambulance ** ** ** * Some surgeries are required to be performed on an outpatient basis or benefits will be substantially reduced. ** Life threatening situations. Non-Emergency care in an ER may NOT be covered. Please call Cigna or review Cigna s Summary of Benefits. annual s annual s annual s annual s ** annual s annual s annual s * ** Page 5

6 Surgical Sterilization Tubal Ligation Procedures annual s annual s annual s Vasectomy Procedures Other Benefits annual s annual s annual s Skilled Nursing Facility ; 100 day annual s; 100 day per ; 100 day annual s; 100 day per ; 100 day ; 100 day plan plan Durable Medical Equipment Diabetic Supplies Home Health Services Organ Transplants (Recipient) Chiropractic Services (Outpatient Short Term Rehab) ; 100 visit $40 co-pay, ; 20 visit benefit per plan annual s annual s; 100 visit per plan ; 20 visit benefit per plan ; 100 visit $60 co-pay, ; 20 visit benefit per plan annual s annual s; 100 visit per plan ; 20 visit benefit per plan ; 100 visit ; 20 visit benefit per plan ; 100 visit with individual organ s ; 20 visit benefit per plan Routine Eye Exams Not covered Not covered Not covered Not covered Not covered Not covered *Maximum is a combined limit for in-network and out-of-network benefits Page 6

7 Benefit Maximums* Lifetime Maximum Unlimited Unlimited Unlimited Unlimited Unlimited Unlimited Mental Health No No No No No No Inpatient** Mental Health No No No No No No Outpatient** Substance Abuse No No No No No No Inpatient** Substance Abuse No No No No No No Outpatient** Chiropractic 20 visits/ 20 visits/ 20 visits/ 20 visits/ 20 visits/ 20 visits/ Outpatient Short- 60 days/ 60 days/ 60 days/ 60 days/ 60 days/ 60 days/ Term Rehabilitation Cardiac 36 days/ 36 days/ 36 days/ 36 days/ 36 days/ 36 days/ Rehabilitation Preventive Care No Limit Not Covered No Limit Not Covered No Limit Not Covered Skilled Nursing Facility 100/days per year 100/days per year 100/days per year 100/days per year 100/days per year 100/days per year *Maximum is a combined limit for in-network and out-of-network benefits total 20 visit chiropractic benefit limit per year **Benefits may be higher for some mental and nervous conditions when required by state statute. Page 7

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