Benefit summary guide

Transcription

1 Benefit summary guide Health plan information for individuals and family Effective January 1, 2014 PPO and HSA-eligible PPO health plans

2 Healthcare coverage that fits your needs We offer a range of health plans to choose from, with easy access to care from our quality provider network. When you choose a Blue Shield plan, you ll also have access to a variety of health and wellness resources and programs to help you maintain your health. Plus, Blue Shield offers dental, vision,* dental + vision,* and life insurance* products to complement your coverage. This guide provides a summary of plan benefits and is not a contract. The actual, complete terms and conditions of a plan s benefits and coverage, limitations, and exclusions are located in the Evidence of Coverage and Health Service Agreement (EOC) or Policy. A copy of the EOC or Policy is available upon request prior to enrollment. We ll provide your EOC/Policy to you if your application for coverage is approved. Please note: The Important Legal Information booklet, explaining general plan exclusions and limitations, is a companion to this guide. Please read both documents together. For questions about plan information or to obtain a copy of the Important Legal Information booklet, contact your broker, call us at (888) , or visit us online at blueshieldca.com. * Underwritten by Blue Shield of California Life & Health Insurance Company (Blue Shield Life).

3 In this guide, you ll find detailed benefit information for Blue Shield health, dental, and vision plans available directly from Blue Shield, as well as plans available for purchase through Covered California ( Covered California is the state of California s health insurance marketplace, where you can compare and purchase health plans, and determine if you qualify for tax credits or costsharing subsidies from government assistance programs to lower your monthly health coverage costs. Blue Shield medical and dental plans available through Blue Shield or Covered California Medical plans Dental plans Ultimate PPO* Preferred Dental PPO Pediatric 50/0* Preferred PPO* Enhanced Dental PPO Pediatric 60/0* Enhanced PPO* Preferred Dental HMO Pediatric $0* Basic PPO* Enhanced Dental HMO Pediatric $20* Basic PPO for HSA* Get Covered PPO* Blue Shield dental, vision, dental + vision package, and individual term life insurance plans available only through Blue Shield Enhanced Dental PPO 25/500* Enhanced Dental Plus PPO 25/500* Enhanced Dental PPO 50/1250* Enhanced Dental Plus PPO 50/1250* Dental HMO Dental PPO Enhanced Dental HMO $0* Ultimate Vision 15/25/150 Individual term life insurance plans Specialty Duo SM dental + vision package Blue Shield medical plans available only through Covered California Medical plans Enhanced PPO 150 Subsidy* Enhanced PPO 200 Subsidy* Enhanced PPO 250 Subsidy* Please note that Enhanced PPO 150 Subsidy, Enhanced PPO 200 Subsidy, and Enhanced PPO 250 Subsidy plans are only available to individuals eligible for subsidies as determined by Covered California. The Get Covered PPO plan is only available to persons under 30 years of age who are not eligible for federal subsidies and cannot afford other coverage. We also offer Native American plans which are available to eligible Native Americans tt when purchased through Covered California. For more information, visit blueshieldca.com. * Pending regulatory approval. t Underwritten by Blue Shield of California Life & Health Insurance Company (Blue Shield Life). Specialty Duo and Ultimate Vision 15/25/150 are pending regulatory approval. tt Native American means any individual as defined in section 4(d) of the Indian Self-Determination and Education Assistance Act (Pub. L ). Eligibility for coverage as a Native American is determined by Covered California.

4 table of contents Health plans PPO health plans Plans at a glance... 1 Ultimate PPO plan benefit summary... 2 Preferred PPO plan benefit summary... 6 Enhanced PPO plans benefit summaries Basic PPO plan benefit summary Get Covered PPO plan benefit summary HSA-eligible, high-deductible PPO health plan Plans at a glance Basic PPO for HSA plan benefit summary Dental + vision package and dental plans Dental + vision package and dental plans at a glance Dental PPO plans benefit summaries Dental HMO plans benefit summaries Dental + vision package benefit summaries Pediatric dental plans benefit summaries Vision plan Vision plan at a glance Ultimate Vision 15/25/150 benefit summary Life insurance plans Life insurance plans at a glance... 65

5 Preferred Provider Organization (PPO) health plans PPO plans at a glance Blue Shield PPO plans vary by member out-of-pocket costs, but all offer members the flexibility and simplicity of having direct access to the physicians and specialists in Blue Shield s provider networks without the need for a referral. Additional highlights include: Comprehensive benefits Predictable copayments and out-of-pocket maximum Preventive care services without a copayment before meeting any annual deductible Access to a quality provider network in California Blue Shield PPO plans are available in the following counties Contra Costa El Dorado Fresno Imperial Inyo Kern Kings Los Angeles Madera Mariposa Merced Mono Orange County Placer Riverside Sacramento San Bernardino San Diego San Francisco San Joaquin San Luis Obispo San Mateo Santa Barbara Santa Clara Stanislaus Tulare Ventura Yolo Provider network The PPO health plans offered by Blue Shield of California use the Exclusive PPO Provider Network. This network consists of participating doctors and hospitals. Visit blueshieldca.com/fap to see if your provider is in our network. Access to care and limitations Plan features and copayments vary by plan. Members who receive care from a provider in their plan s provider network (participating provider) are responsible for meeting the plan s calendar-year deductible (if applicable) and copayments or coinsurance up to the calendar-year out-of-pocket maximum for covered services. A PPO plan provides access to an Exclusive Network of participating doctors, specialists, and hospitals. Members have the freedom to see any doctor in our Exclusive PPO Network without a referral. Members have the option to receive care from non-participating providers, but are then responsible for meeting their plan s non-participating provider calendar-year deductible (if applicable), the copayment or coinsurance up to the non-participating provider calendar-year out-of-pocket maximum, and all charges that exceed Blue Shield s allowable amount. Certain healthcare services may not be available in your area. You may be required to travel in excess of 30 minutes to access these services. The Exclusive Network includes a subset of physicians, and hospitals from our Full Network. choosing your health plan 1

6 Ultimate PPO Uniform Health Plan Benefits and Coverage Matrix Blue Shield of California Effective January 1, 2014 THIS MATRIX IS INTENDED TO BE USED TO HELP YOU COMPARE COVERAGE BENEFITS AND IS A SUMMARY ONLY. THE EVIDENCE OF COVERAGE SHOULD BE CONSULTED FOR A DETAILED DESCRIPTION OF COVERAGE BENEFITS AND LIMITATIONS. This PPO plan uses the Exclusive PPO provider network. Participating Calendar Year Medical Deductible $0 Calendar Year Out-of-Pocket Maximum 2 (Copayments for participating providers apply to both participating and nonparticipating provider calendar year out-of-pocket maximum amounts.) $4,000 per individual / $8,000 per family Non-Participating $7,000 per individual / $14,000 per family Calendar Year Brand Drug Deductible $0 Not covered Lifetime Benefit Maximum None PROFESSIONAL SERVICES Professional (Physician) Benefits Physician office visits from internal medicine, family practice, pediatric, and OB/Gyn physicians Participating Non-Participating $20 50% Specialist physician office visits $40 50% Outpatient diagnostic X-ray and imaging (non-hospital-based or -affiliated) $40 50% Outpatient diagnostic laboratory and pathology (non-hospital-based or -affiliated) Preventive Health Benefits Preventive health services (as required by federal and California law) $20 50% $0 Not covered OUTPATIENT SERVICES Outpatient surgery in a hospital 10% 50% 3 Outpatient surgery performed at an ambulatory 10% 50% 4 surgery center Outpatient services for treatment of illness or injury and necessary supplies Outpatient diagnostic X-ray and imaging performed in a hospital Outpatient diagnostic laboratory and pathology performed in a hospital CT scans, MRIs, MRAs, PET scans, and cardiac diagnostic procedures utilizing nuclear medicine (prior authorization is required) HOSPITALIZATION SERVICES 10% 50% 3 $40 50% 3 $20 50% 3 10% 50% 5 Inpatient physician services 10% 50% Inpatient non-emergency facility services 10% 50% 3 (semi-private room and board, services and supplies, including subacute care) Bariatric surgery (prior authorization is required; medically 10% Not covered necessary surgery for weight loss is for morbid obesity only) 6 EMERGENCY HEALTH COVERAGE Emergency room services not resulting in admission $150 $150 Emergency room services resulting in admission (when the member is admitted directly from the ER) 10% 10% Emergency room physician services 10% 10% Urgent care $40 50% AMBULANCE SERVICES Emergency or authorized transport (ground or air) $150 $150 2 choosing your health plan

7 PRESCRIPTION DRUG COVERAGE 7,8,9 Participating Pharmacy Non-Participating Pharmacy Retail Prescriptions (up to a 30-day supply) Contraceptive drugs and devices 8 $0 Not covered Generic drugs $5 per prescription Not covered Preferred brand drugs $15 per prescription Not covered Non-preferred brand drugs $25 per prescription Not covered Mail Service Prescriptions (up to a 90-day supply) Contraceptive drugs and devices 8 $0 Not covered Generic drugs $15 per prescription Not covered Preferred brand drugs $45 per prescription Not covered Non-preferred brand drugs $75 per prescription Not covered Specialty Pharmacies (up to a 30-day supply) Specialty drugs (May require prior authorization from Blue Shield. Specialty drugs are covered only when dispensed by Network Specialty Pharmacies. Drugs from non-participating pharmacies are not covered except in emergency and urgent situations.) PROSTHETICS/ORTHOTICS Prosthetic equipment and devices (separate office visit copay may apply) Orthotic equipment and devices (separate office visit copay may apply) 10% Not covered Participating Non-Participating 10% 50% 10% 50% DURABLE MEDICAL EQUIPMENT Breast pump $0 Not covered Other durable medical equipment 10% 50% MENTAL HEALTH SERVICES 10 Inpatient hospital services (prior authorization required) 10% 50% 3 Outpatient mental health services (some services may require prior authorization and facility charges) SUBSTANCE ABUSE SERVICES 10 Inpatient hospital services for medical acute detoxification (prior authorization required) Outpatient substance abuse services (some services may require prior authorization and facility charges) HOME HEALTH SERVICES Home health care agency services (up to 100 prior authorized visits per calendar year) $20 50% 10% 50% 3 $20 50% 10% Not covered (unless prior authorized) OTHER Pregnancy and Maternity Care Benefits Prenatal physician office visits $0 50% Postnatal physician office visits $20 50% Inpatient hospital services for normal delivery and 10% 50% 3 cesarean section Family Planning Benefits Injectable and implantable contraceptives $0 Not covered Counseling and consulting $0 Not covered Tubal ligation $0 Not covered Vasectomy 10% Not covered Elective abortion 10% Not covered Infertility services Not covered Not covered Rehabilitation and Habilitation Benefits Office location $20 50% Outpatient department of a hospital $20 50% 3 Chiropractic Benefits Chiropractic services Not covered Not covered Acupuncture Benefits Acupuncture by a licensed acupuncturist $20 $20 Acupuncture by a doctor of medicine $20 50% choosing your health plan 3

8 Participating Non-Participating Care Outside of Plan Service Area (benefits provided through the BlueCard Program for out-of-state emergency and non-emergency care are provided at the preferred level of the local Blue Plan allowable amount when you use a Blue Cross/Blue Shield provider) Within US: BlueCard Program See Applicable Benefit See Applicable Benefit Outside of US: BlueCard Worldwide See Applicable Benefit See Applicable Benefit Pediatric Vision Benefits for children up to age 19 Comprehensive Eye Exam 11 : one per calendar year (includes dilation, if professionally indicated) Ophthalmologic - Routine ophthalmologic exam with refraction new patient (S0620) - Routine ophthalmologic exam with refraction established patient (S0621) Optometric - New patient exam (92002/92004) - Established patient exam (92012/92014) Eyeglasses Lenses: one pair per calendar year - Single vision (V ) - Conventional (lined) bifocal (V ) - Conventional (lined) trifocal (V ) - Lenticular (V2121, V2221, V2321) Lenses include choice of glass or plastic lenses, all lens powers (single vision, bifocal, trifocal, lenticular), fashion and gradient tinting, scratch coating, oversized and glass-grey #3 prescription sunglass lenses. Polycarbonate lenses are covered in full for eligible members. $0 allowance of $30 $0 allowance of $30 $0 allowance of: $25 single vision $35 lined bifocal $45 lined trifocal $45 lenticular Optional Lenses and Treatments UV coating (standard only) $0 Not covered Anti-reflective coating (standard only) $35 Not covered High-index lenses $30 Not covered Photochromic lenses (glass or plastic) $25 Not covered Polarized lenses $45 Not covered Standard progressives $55 Not covered Premium progressives $95 Not covered Frame (one frame per calendar year) Collection frame $0 Non-collection frame 12 allowance of $150 Note: Collection frames are available at no cost at participating independent providers. Retail chain providers typically do not display the Collection, but are required to maintain a comparable selection of frames that are covered in full. Contact Lenses 13 Elective standard hard (V2500, V2510) $0 (1 pair per year) Elective standard soft (V2520) $0 (1 pair per month for up to 6 months) Elective non-standard hard (V2501, V2502, V2503, V2511, V2512, V2513, V2599) $0 (1 pair per year) Elective non-standard soft (V2521, V2512, V2523) $0 (1 pair per month for up to 3 months) Medically necessary $0 (1 pair per year) allowance $40 allowance of $75 allowance of $75 allowance of $75 allowance of $75 allowance of $225 for medically necessary contact lenses Other Pediatric Vision Benefits Supplemental low-vision testing and equipment 14 35% Not covered Diabetes management referral $0 Not covered Please Note: Benefits are subject to modification for subsequently enacted state or federal legislation. 4 choosing your health plan

9 Endnotes for Ultimate PPO 1 The member is responsible for a copayment or coinsurance from participating providers. Participating providers accept Blue Shield s allowable amounts as full payment for covered services. Non-participating providers can charge more than these amounts which the member is responsible for in addition to the applicable copayment or coinsurance when accessing these providers, which amount can be substantial. Charges in excess of the allowable amount do not count toward the calendar year out-of-pocket maximum. 2 Copayments or coinsurance for covered services apply toward the calendar year out-of-pocket maximum, except copayments or coinsurance for the following: (a) additional or reduced payments for failure to utilize the benefits management program; (b) charges in excess of specified benefit maximums; (c) covered travel expenses for bariatric surgery; and (d) dialysis services from a nonparticipating provider. Copayments, coinsurance, and charges for services not accruing to the calendar year out-of-pocket maximum continue to be the member s responsibility after the calendar year out-of-pocket maximum is reached. 3 The allowable amount for non-emergency services and supplies received from a non-participating hospital or facility is limited to $500 per day. Members are responsible for the coinsurance and all charges that exceed $500 per day. 4 The allowable amount for non-emergency services and supplies received from an ambulatory surgery center is limited to $300 per day. Members are responsible for the coinsurance and all charges that exceed $300 per day. Participating ambulatory surgery centers may not be available in all areas; however, the member can obtain outpatient surgery services from a hospital or an ambulatory surgery center affiliated with a hospital, with payment according to the hospital services benefit. 5 The allowable amount for non-emergency services and supplies received from a non-participating radiology center is limited to $300 per day. Members are responsible for all charges that exceed $300 per day. The allowable amount for non-emergency services and supplies received from a non-participating hospital is limited to $500 per day. Members are responsible for all charges that exceed $500 per day. 6 Bariatric surgery is covered when prior authorized by Blue Shield; however, for members residing in Imperial, Kern, Los Angeles, Orange, Riverside, San Bernardino, San Diego, Santa Barbara and Ventura counties ( Designated Counties ), bariatric surgery services are covered only when performed at designated contracting bariatric surgery facilities and by designated contracting surgeons. Coverage is not available for bariatric services from any other participating provider and there is no coverage for bariatric services from non-participating providers. In addition, if prior authorized by Blue Shield, a member in a Designated County who is required to travel more than 50 miles to a designated bariatric surgery facility will be eligible for limited reimbursement for specified travel expenses for the member and one companion. Refer to the Evidence of Coverage and Summary of Benefits for details. 7 This plan s prescription drug coverage is on average equivalent to or better than the standard benefit set by the federal government for Medicare Part D (also called creditable coverage). Because this plan s prescription drug coverage is creditable, you do not have to enroll in a Medicare prescription drug plan while you maintain this coverage. However, you should be aware that if you have a subsequent break in this coverage of 63 days or more anytime after you were first eligible to enroll in a Medicare prescription drug plan, you could be subject to a late enrollment penalty in addition to your Medicare Part D premium. 8 Contraceptive drugs and devices covered under the outpatient prescription drug benefit do not require a copayment; however, if a brand contraceptive drug is requested when a generic drug equivalent is available, the member is responsible for paying the difference between the cost to Blue Shield for the brand contraceptive drug and its generic drug equivalent. If the brand contraceptive drug is medically necessary, it may be covered without a copayment with prior authorization. The difference in cost that the member must pay does not accrue to any calendar year out-of-pocket maximum responsibility. 9 If a member or physician requests a brand drug when a generic drug equivalent is available, the member is responsible for paying the difference between the cost to Blue Shield for the brand drug and its generic drug equivalent, as well as the applicable generic drug copayment. The difference in cost that the member must pay does not accrue to any calendar year out-of-pocket maximum responsibility. Refer to the Evidence of Coverage and Summary of Benefits for details. 10 Blue Shield has contracted with a specialized health care service plan to act as our mental health services administrator (MHSA). The MHSA provides mental health and chemical dependency services, other than inpatient services for medical acute detoxification, through a separate network of MHSA participating providers. Inpatient medical acute detoxification is a medical benefit provided by Blue Shield participating or non-participating (not MHSA) providers. 11 The comprehensive examination benefit and allowance does not include fitting and evaluation fees for contact lenses. 12 This benefit covers Collection frames at no cost at participating independent and retail chain providers. Participating retail chain providers typically do not display the frames as Collection, but are required to maintain a comparable selection of frames that are covered in full. For non-collection frames, the allowable amount is up to $150; however, if (a) the participating provider uses wholesale pricing, then the wholesale allowable amount will be up to $99.06, or if (b) the participating provider uses warehouse pricing, then the warehouse allowable amount will be up to $ Participating providers using wholesale pricing are identified in the provider directory. If frames are selected that are more expensive than the allowable amount established for this benefit, the member is responsible for the difference between the allowable amount and the provider s charge. 13 Contact lenses are covered in lieu of eyeglasses once per calendar year. See the Definitions section in the Evidence of Coverage for the definitions of Elective Contact Lenses and Non-Elective (Medically Necessary) Contact Lenses. A report from the provider and prior authorization from the Vision Plan Administrator (VPA) is required. 14 A report from the provider and prior authorization from the Vision Plan Administrator is required. choosing your health plan 5

10 Preferred PPO Uniform Health Plan Benefits and Coverage Matrix Blue Shield of California Effective January 1, 2014 THIS MATRIX IS INTENDED TO BE USED TO HELP YOU COMPARE COVERAGE BENEFITS AND IS A SUMMARY ONLY. THE EVIDENCE OF COVERAGE SHOULD BE CONSULTED FOR A DETAILED DESCRIPTION OF COVERAGE BENEFITS AND LIMITATIONS. This PPO plan uses the Exclusive PPO provider network. Participating Non-Participating Calendar Year Medical Deductible $0 Calendar Year Out-of-Pocket Maximum 2 (Copayments for participating providers apply to both participating and nonparticipating provider calendar year out-of-pocket maximum amounts.) $6,350 per individual / $12,700 per family $9,350 per individual / $18,700 per family Calendar Year Brand Drug Deductible $0 Not covered Lifetime Benefit Maximum None PROFESSIONAL SERVICES Professional (Physician) Benefits Physician office visits from internal medicine, family practice, pediatric, and OB/Gyn physicians Participating Non-Participating $30 50% Specialist physician office visits $50 50% Outpatient diagnostic X-ray and imaging (non-hospital-based or -affiliated) $50 50% Outpatient diagnostic laboratory and pathology (non-hospital-based or -affiliated) Preventive Health Benefits Preventive health services (as required by federal and California law) $30 50% $0 Not covered OUTPATIENT SERVICES Outpatient surgery in a hospital 20% 50% 3 Outpatient surgery performed at an ambulatory 20% 50% 4 surgery center Outpatient services for treatment of illness or injury and necessary supplies Outpatient diagnostic X-ray and imaging performed in a hospital Outpatient diagnostic laboratory and pathology performed in a hospital CT scans, MRIs, MRAs, PET scans, and cardiac diagnostic procedures utilizing nuclear medicine (prior authorization is required) HOSPITALIZATION SERVICES 20% 50% 3 $50 50% 3 $30 50% 3 20% 50% 5 Inpatient physician services 20% 50% Inpatient non-emergency facility services 20% 50% 3 (semi-private room and board, services and supplies, including subacute care) Bariatric surgery (prior authorization is required; medically 20% Not covered necessary surgery for weight loss is for morbid obesity only) 6 EMERGENCY HEALTH COVERAGE Emergency room services not resulting in admission $250 $250 Emergency room services resulting in admission (when the member is admitted directly from the ER) 20% 20% Emergency room physician services 20% 20% Urgent care $60 50% AMBULANCE SERVICES Emergency or authorized transport (ground or air) $250 $250 6 choosing your health plan

11 PRESCRIPTION DRUG COVERAGE 7,8,9 Participating Pharmacy Non-Participating Pharmacy Retail Prescriptions (up to a 30-day supply) Contraceptive drugs and devices 8 $0 Not covered Generic drugs $19 per prescription Not covered Preferred brand drugs $50 per prescription Not covered Non-preferred brand drugs $70 per prescription Not covered Mail Service Prescriptions (up to a 90-day supply) Contraceptive drugs and devices 8 $0 Not covered Generic drugs $57 per prescription Not covered Preferred brand drugs $150 per prescription Not covered Non-preferred brand drugs $210 per prescription Not covered Specialty Pharmacies (up to a 30-day supply) Specialty drugs (May require prior authorization from Blue Shield. Specialty drugs are covered only when dispensed by Network Specialty Pharmacies. Drugs from non-participating pharmacies are not covered except in emergency and urgent situations.) PROSTHETICS/ORTHOTICS Prosthetic equipment and devices (separate office visit copay may apply) Orthotic equipment and devices (separate office visit copay may apply) 20% Not covered Participating Non-Participating 20% 50% 20% 50% DURABLE MEDICAL EQUIPMENT Breast pump $0 Not covered Other durable medical equipment 20% 50% MENTAL HEALTH SERVICES 10 Inpatient hospital services (prior authorization required) 20% 50% 3 Outpatient mental health services (some services may require prior authorization and facility charges) SUBSTANCE ABUSE SERVICES 10 Inpatient hospital services for medical acute detoxification (prior authorization required) Outpatient substance abuse services (some services may require prior authorization and facility charges) HOME HEALTH SERVICES Home health care agency services (up to 100 prior authorized visits per calendar year) $30 50% 20% 50% 3 $30 50% 20% Not covered (unless prior authorized) OTHER Pregnancy and Maternity Care Benefits Prenatal physician office visits $0 50% Postnatal physician office visits $30 50% Inpatient hospital services for normal delivery and 20% 50% 3 cesarean section Family Planning Benefits Injectable and implantable contraceptives $0 Not covered Counseling and consulting $0 Not covered Tubal ligation $0 Not covered Vasectomy 20% Not covered Elective abortion 20% Not covered Infertility services Not covered Not covered Rehabilitation and Habilitation Benefits Office location $30 50% Outpatient department of a hospital $30 50% 3 Chiropractic Benefits Chiropractic services Not covered Not covered Acupuncture Benefits Acupuncture by a licensed acupuncturist $30 $30 Acupuncture by a doctor of medicine $30 50% choosing your health plan 7

12 Participating Non-Participating Care Outside of Plan Service Area (benefits provided through the BlueCard Program for out-of-state emergency and non-emergency care are provided at the preferred level of the local Blue Plan allowable amount when you use a Blue Cross/Blue Shield provider) Within US: BlueCard Program See Applicable Benefit See Applicable Benefit Outside of US: BlueCard Worldwide See Applicable Benefit See Applicable Benefit Pediatric Vision Benefits for children up to age 19 Comprehensive Eye Exam 11 : one per calendar year (includes dilation, if professionally indicated) Ophthalmologic - Routine ophthalmologic exam with refraction new patient (S0620) - Routine ophthalmologic exam with refraction established patient (S0621) Optometric - New patient exam (92002/92004) - Established patient exam (92012/92014) Eyeglasses Lenses: one pair per calendar year - Single vision (V ) - Conventional (lined) bifocal (V ) - Conventional (lined) trifocal (V ) - Lenticular (V2121, V2221, V2321) Lenses include choice of glass or plastic lenses, all lens powers (single vision, bifocal, trifocal, lenticular), fashion and gradient tinting, scratch coating, oversized and glass-grey #3 prescription sunglass lenses. Polycarbonate lenses are covered in full for eligible members. $0 allowance of $30 $0 allowance of $30 $0 allowance of: $25 single vision $35 lined bifocal $45 lined trifocal $45 lenticular Optional Lenses and Treatments UV coating (standard only) $0 Not covered Anti-reflective coating (standard only) $35 Not covered High-index lenses $30 Not covered Photochromic lenses (glass or plastic) $25 Not covered Polarized lenses $45 Not covered Standard progressives $55 Not covered Premium progressives $95 Not covered Frame (one frame per calendar year) Collection frame $0 Non-collection frame 12 allowance of $150 Note: Collection frames are available at no cost at participating independent providers. Retail chain providers typically do not display the Collection, but are required to maintain a comparable selection of frames that are covered in full. Contact Lenses 13 Elective standard hard (V2500, V2510) $0 (1 pair per year) Elective standard soft (V2520) $0 (1 pair per month for up to 6 months) Elective non-standard hard (V2501, V2502, V2503, V2511, V2512, V2513, V2599) $0 (1 pair per year) Elective non-standard soft (V2521, V2512, V2523) $0 (1 pair per month for up to 3 months) Medically necessary $0 (1 pair per year) allowance $40 allowance of $75 allowance of $75 allowance of $75 allowance of $75 allowance of $225 for medically necessary contact lenses Other Pediatric Vision Benefits Supplemental low-vision testing and equipment 14 35% Not covered Diabetes management referral $0 Not covered Please Note: Benefits are subject to modification for subsequently enacted state or federal legislation. 8 choosing your health plan

13 Endnotes for Preferred PPO 1 The member is responsible for a copayment or coinsurance from participating providers. Participating providers accept Blue Shield s allowable amounts as full payment for covered services. Non-participating providers can charge more than these amounts which the member is responsible for in addition to the applicable copayment or coinsurance when accessing these providers, which amount can be substantial. Charges in excess of the allowable amount do not count toward the calendar year out-of-pocket maximum. 2 Copayments or coinsurance for covered services apply toward the calendar year out-of-pocket maximum, except copayments or coinsurance for the following: (a) additional or reduced payments for failure to utilize the benefits management program; (b) charges in excess of specified benefit maximums; (c) covered travel expenses for bariatric surgery; and (d) dialysis services from a nonparticipating provider. Copayments, coinsurance, and charges for services not accruing to the calendar year out-of-pocket maximum continue to be the member s responsibility after the calendar year out-of-pocket maximum is reached. 3 The allowable amount for non-emergency services and supplies received from a non-participating hospital or facility is limited to $500 per day. Members are responsible for the coinsurance and all charges that exceed $500 per day. 4 The allowable amount for non-emergency services and supplies received from an ambulatory surgery center is limited to $300 per day. Members are responsible for the coinsurance and all charges that exceed $300 per day. Participating ambulatory surgery centers may not be available in all areas; however, the member can obtain outpatient surgery services from a hospital or an ambulatory surgery center affiliated with a hospital, with payment according to the hospital services benefit. 5 The allowable amount for non-emergency services and supplies received from a non-participating radiology center is limited to $300 per day. Members are responsible for all charges that exceed $300 per day. The allowable amount for non-emergency services and supplies received from a non-participating hospital is limited to $500 per day. Members are responsible for all charges that exceed $500 per day. 6 Bariatric surgery is covered when prior authorized by Blue Shield; however, for members residing in Imperial, Kern, Los Angeles, Orange, Riverside, San Bernardino, San Diego, Santa Barbara and Ventura counties ( Designated Counties ), bariatric surgery services are covered only when performed at designated contracting bariatric surgery facilities and by designated contracting surgeons. Coverage is not available for bariatric services from any other participating provider and there is no coverage for bariatric services from non-participating providers. In addition, if prior authorized by Blue Shield, a member in a Designated County who is required to travel more than 50 miles to a designated bariatric surgery facility will be eligible for limited reimbursement for specified travel expenses for the member and one companion. Refer to the Evidence of Coverage and Summary of Benefits for details. 7 This plan s prescription drug coverage is on average equivalent to or better than the standard benefit set by the federal government for Medicare Part D (also called creditable coverage). Because this plan s prescription drug coverage is creditable, you do not have to enroll in a Medicare prescription drug plan while you maintain this coverage. However, you should be aware that if you have a subsequent break in this coverage of 63 days or more anytime after you were first eligible to enroll in a Medicare prescription drug plan, you could be subject to a late enrollment penalty in addition to your Medicare Part D premium. 8 Contraceptive drugs and devices covered under the outpatient prescription drug benefit do not require a copayment; however, if a brand contraceptive drug is requested when a generic drug equivalent is available, the member is responsible for paying the difference between the cost to Blue Shield for the brand contraceptive drug and its generic drug equivalent. If the brand contraceptive drug is medically necessary, it may be covered without a copayment with prior authorization. The difference in cost that the member must pay does not accrue to any calendar year out-of-pocket maximum responsibility. 9 If a member or physician requests a brand drug when a generic drug equivalent is available, the member is responsible for paying the difference between the cost to Blue Shield for the brand drug and its generic drug equivalent, as well as the applicable generic drug copayment. The difference in cost that the member must pay does not accrue to any calendar year out-of-pocket maximum responsibility. Refer to the Evidence of Coverage and Summary of Benefits for details. 10 Blue Shield has contracted with a specialized health care service plan to act as our mental health services administrator (MHSA). The MHSA provides mental health and chemical dependency services, other than inpatient services for medical acute detoxification, through a separate network of MHSA participating providers. Inpatient medical acute detoxification is a medical benefit provided by Blue Shield participating or non-participating (not MHSA) providers. 11 The comprehensive examination benefit and allowance does not include fitting and evaluation fees for contact lenses. 12 This benefit covers Collection frames at no cost at participating independent and retail chain providers. Participating retail chain providers typically do not display the frames as Collection, but are required to maintain a comparable selection of frames that are covered in full. For non-collection frames, the allowable amount is up to $150; however, if (a) the participating provider uses wholesale pricing, then the wholesale allowable amount will be up to $99.06, or if (b) the participating provider uses warehouse pricing, then the warehouse allowable amount will be up to $ Participating providers using wholesale pricing are identified in the provider directory. If frames are selected that are more expensive than the allowable amount established for this benefit, the member is responsible for the difference between the allowable amount and the provider s charge. 13 Contact lenses are covered in lieu of eyeglasses once per calendar year. See the Definitions section in the Evidence of Coverage for the definitions of Elective Contact Lenses and Non-Elective (Medically Necessary) Contact Lenses. A report from the provider and prior authorization from the Vision Plan Administrator (VPA) is required. 14 A report from the provider and prior authorization from the Vision Plan Administrator is required. choosing your health plan 9

14 Enhanced PPO Uniform Health Plan Benefits and Coverage Matrix Blue Shield of California Effective January 1, 2014 THIS MATRIX IS INTENDED TO BE USED TO HELP YOU COMPARE COVERAGE BENEFITS AND IS A SUMMARY ONLY. THE EVIDENCE OF COVERAGE SHOULD BE CONSULTED FOR A DETAILED DESCRIPTION OF COVERAGE BENEFITS AND LIMITATIONS. This PPO plan uses the Exclusive PPO provider network. Calendar Year Medical Deductible 2 (For family coverage, an individual is responsible for satisfying their own individual deductible and that amount accumulates to the family deductible.) Calendar Year Out-of-Pocket Maximum 3 (Includes the calendar year medical deductible. Copayments for participating providers apply to both participating and non-participating provider calendar year out-of-pocket maximum amounts.) Calendar Year Brand Drug Deductible (Separate from the calendar year medical deductible. Accrues to the calendar year out-of-pocket maximum) Lifetime Benefit Maximum PROFESSIONAL SERVICES Professional (Physician) Benefits Physician office visits from internal medicine, family practice, pediatric, and OB/Gyn physicians Participating Non-Participating $2,000 per individual / $4,000 per family (all providers combined) $6,350 per individual / $12,700 per family $9,350 per individual / $18,700 per family $250 per individual Not covered None Participating Non-Participating $45 50% Specialist physician office visits $65 50% Outpatient diagnostic X-ray and imaging (non-hospital-based or -affiliated) $65 50% Outpatient diagnostic laboratory and pathology (non-hospital-based or -affiliated) Preventive Health Benefits Preventive health services (as required by federal and California law) $45 50% $0 Not covered OUTPATIENT SERVICES Outpatient surgery in a hospital 20% 50% 4 Outpatient surgery performed at an ambulatory 20% 50% 5 surgery center Outpatient services for treatment of illness or injury and necessary supplies Outpatient diagnostic X-ray and imaging performed in a hospital Outpatient diagnostic laboratory and pathology performed in a hospital CT scans, MRIs, MRAs, PET scans, and cardiac diagnostic procedures utilizing nuclear medicine 2 (prior authorization is required) HOSPITALIZATION SERVICES 20% 50% 4 20% 50% 4 20% 50% 4 20% 50% 6 Inpatient physician services 20% 50% Inpatient non-emergency facility services 2 20% 50% 4 (semi-private room and board, services and supplies, including subacute care) Bariatric surgery (prior authorization is required; medically 20% Not covered necessary surgery for weight loss is for morbid obesity only) 2,7 EMERGENCY HEALTH COVERAGE Emergency room services not resulting in admission 2 $250 $250 Emergency room services resulting in admission 2 (when the member is admitted directly from the ER) 20% 20% 10 choosing your health plan

15 Participating Non-Participating Emergency room physician services 20% 20% Urgent care $90 50% AMBULANCE SERVICES Emergency or authorized transport 2 (ground or air) $250 $250 PRESCRIPTION DRUG COVERAGE 8,9,10 Participating Pharmacy Non-Participating Pharmacy Retail Prescriptions (up to a 30-day supply) Contraceptive drugs and devices 9 $0 Not covered Generic drugs $19 per prescription Not covered Preferred brand drugs 2 $50 per prescription Not covered Non-preferred brand drugs 2 $70 per prescription Not covered Mail Service Prescriptions (up to a 90-day supply) Contraceptive drugs and devices 9 $0 Not covered Generic drugs $57 per prescription Not covered Preferred brand drugs 2 $150 per prescription Not covered Non-preferred brand drugs 2 $210 per prescription Not covered Specialty Pharmacies (up to a 30-day supply) Specialty drugs 2 (May require prior authorization from Blue Shield. Specialty drugs are covered only when dispensed by Network Specialty Pharmacies. Drugs from non-participating pharmacies are not covered except in emergency and urgent situations.) 20% Not covered PROSTHETICS/ORTHOTICS Prosthetic equipment and devices (separate office visit copay may apply) Orthotic equipment and devices (separate office visit copay may apply) DURABLE MEDICAL EQUIPMENT Participating Non-Participating 20% 50% 20% 50% Breast pump $0 Not covered Other durable medical equipment 20% 50% MENTAL HEALTH SERVICES 11 Inpatient hospital services 2 (prior authorization required) 20% 50% 4 $45 50% Outpatient mental health services (some services may require prior authorization and facility charges) SUBSTANCE ABUSE SERVICES 11 Inpatient hospital services for medical acute detoxification 2 (prior authorization required) Outpatient substance abuse services (some services may require prior authorization and facility charges) HOME HEALTH SERVICES Home health care agency services (up to 100 prior authorized visits per calendar year) 20% 50% 4 $45 50% 20% Not covered (unless prior authorized) OTHER Pregnancy and Maternity Care Benefits Prenatal physician office visits $0 50% Postnatal physician office visits $45 50% Inpatient hospital services for normal delivery and 20% 50% 4 cesarean section Family Planning Benefits Injectable and implantable contraceptives $0 Not covered Counseling and consulting $0 Not covered Tubal ligation $0 Not covered Vasectomy 20% Not covered Elective abortion 20% Not covered Infertility services Not covered Not covered Rehabilitation Benefits Office location $45 50% Outpatient department of a hospital $45 50% 4 Chiropractic Benefits Chiropractic services Not covered Not covered choosing your health plan 11

16 Participating Non-Participating Acupuncture Benefits Acupuncture by a licensed acupuncturist $45 $45 Acupuncture by a doctor of medicine $45 50% Care Outside of Plan Service Area (benefits provided through the BlueCard Program for out-of-state emergency and non-emergency care are provided at the preferred level of the local Blue Plan allowable amount when you use a Blue Cross/Blue Shield provider) Within US: BlueCard Program See Applicable Benefit See Applicable Benefit Outside of US: BlueCard Worldwide See Applicable Benefit See Applicable Benefit Pediatric Vision Benefits for children up to age 19 Comprehensive Eye Exam 12 : one per calendar year (includes dilation, if professionally indicated) Ophthalmologic - Routine ophthalmologic exam with refraction new patient (S0620) - Routine ophthalmologic exam with refraction established patient (S0621) Optometric - New patient exam (92002/92004) - Established patient exam (92012/92014) Eyeglasses Lenses: one pair per calendar year - Single vision (V ) - Conventional (lined) bifocal (V ) - Conventional (lined) trifocal (V ) - Lenticular (V2121, V2221, V2321) Lenses include choice of glass or plastic lenses, all lens powers (single vision, bifocal, trifocal, lenticular), fashion and gradient tinting, scratch coating, oversized and glass-grey #3 prescription sunglass lenses. Polycarbonate lenses are covered in full for eligible members. $0 allowance of $30 $0 allowance of $30 $0 allowance of: $25 single vision $35 lined bifocal $45 lined trifocal $45 lenticular Optional Lenses and Treatments UV coating (standard only) $0 Not covered Anti-reflective coating (standard only) $35 Not covered High-index lenses $30 Not covered Photochromic lenses (glass or plastic) $25 Not covered Polarized lenses $45 Not covered Standard progressives $55 Not covered Premium progressives $95 Not covered Frame (one frame per calendar year) Collection frame Non-collection frame 13 allowance of $150 Note: Collection frames are available at no cost at participating independent providers. Retail chain providers typically do not display the Collection, but are required to maintain a comparable selection of frames that are covered in full. Contact Lenses 14 Elective standard hard (V2500, V2510) $0 (1 pair per year) Elective standard soft (V2520) $0 (1 pair per month for up to 6 months) Elective non-standard hard (V2501, V2502, V2503, V2511, V2512, V2513, V2599) $0 $0 (1 pair per year) Elective non-standard soft (V2521, V2512, V2523) $0 (1 pair per month for up to 3 months) Medically necessary $0 (1 pair per year) allowance $40 allowance of $75 allowance of $75 allowance of $75 allowance of $75 allowance of $225 for medically necessary contact lenses Other Pediatric Vision Benefits Supplemental low-vision testing and equipment 15 35% Not covered Diabetes management referral $0 Not covered Please Note: Benefits are subject to modification for subsequently enacted state or federal legislation. 12 choosing your health plan

17 Endnotes for Enhanced PPO 1 After the calendar year medical deductible is met, the member is responsible for a copayment or coinsurance from participating providers. Participating providers accept Blue Shield s allowable amounts as full payment for covered services. Non-participating providers can charge more than these amounts. The member is responsible for these charges in addition to the applicable copayment or coinsurance when accessing these providers, which amount can be substantial. Amounts applied to the calendar year deductible accrue towards the applicable out-of-pocket maximum. Charges in excess of the allowable amount do not count toward the calendar year medical deductible or out-ofpocket maximum. 2 The covered services listed below are subject to, and will accrue to the calendar year medical deductible. Ambulance benefits Bariatric surgery benefits: hospital inpatient services Emergency room benefits: emergency room services (facility) Hospital benefits (facility services): inpatient facility services, inpatient skilled nursing services including subacute care, and inpatient services to treat acute medical complications of detoxification Medical treatment for the teeth, gums, jaw joints, or jaw bones benefits: inpatient hospital services Mental health and substance abuse benefits: inpatient hospital services, and residential care Outpatient X-Ray, imaging, pathology, and laboratory benefits: radiological and nuclear imaging services Pregnancy and maternity care benefits: inpatient hospital services Reconstructive surgery benefits: inpatient hospital services Skilled nursing facility benefits Transplant benefits: inpatient hospital or facility services 3 Copayments or coinsurance for covered services apply toward the calendar year out-of-pocket maximum, except copayments or coinsurance for the following: (a) additional or reduced payments for failure to utilize the benefits management program; (b) charges in excess of specified benefit maximums; (c) covered travel expenses for bariatric surgery; and (d) dialysis services from a non-participating provider. Copayments, coinsurance, and charges for services not accruing to the calendar year out-of-pocket maximum continue to be the member s responsibility after the calendar year out-of-pocket maximum is reached. 4 The allowable amount for non-emergency services and supplies received from a non-participating hospital or facility is limited to $500 per day. Members are responsible for the coinsurance and all charges that exceed $500 per day. 5 The allowable amount for non-emergency services and supplies received from an ambulatory surgery center is limited to $300 per day. Members are responsible for the coinsurance and all charges that exceed $300 per day. Participating ambulatory surgery centers may not be available in all areas; however, the member can obtain outpatient surgery services from a hospital or an ambulatory surgery center affiliated with a hospital, with payment according to the hospital services benefit. 6 The allowable amount for non-emergency services and supplies received from a non-participating radiology center is limited to $300 per day. Members are responsible for all charges that exceed $300 per day. The allowable amount for non-emergency services and supplies received from a non-participating hospital is limited to $500 per day. Members are responsible for all charges that exceed $500 per day. 7 Bariatric surgery is covered when prior authorized by Blue Shield; however, for members residing in Imperial, Kern, Los Angeles, Orange, Riverside, San Bernardino, San Diego, Santa Barbara and Ventura counties ( Designated Counties ), bariatric surgery services are covered only when performed at designated contracting bariatric surgery facilities and by designated contracting surgeons. Coverage is not available for bariatric services from any other participating provider and there is no coverage for bariatric services from non-participating providers. In addition, if prior authorized by Blue Shield, a member in a Designated County who is required to travel more than 50 miles to a designated bariatric surgery facility will be eligible for limited reimbursement for specified travel expenses for the member and one companion. Refer to the Evidence of Coverage and Summary of Benefits for details. 8 This plan s prescription drug coverage is on average equivalent to or better than the standard benefit set by the federal government for Medicare Part D (also called creditable coverage). Because this plan s prescription drug coverage is creditable, you do not have to enroll in a Medicare prescription drug plan while you maintain this coverage. However, you should be aware that if you have a subsequent break in this coverage of 63 days or more anytime after you were first eligible to enroll in a Medicare prescription drug plan, you could be subject to a late enrollment penalty in addition to your Medicare Part D premium. 9 Contraceptive drugs and devices covered under the outpatient prescription drug benefit do not require a copayment and will not be subject to any calendar year brand drug deductible; however, if a brand contraceptive drug is requested when a generic drug equivalent is available, the member is responsible for paying the difference between the cost to Blue Shield for the brand contraceptive drug and its generic drug equivalent. If the brand contraceptive drug is medically necessary, it may be covered without a copayment with prior authorization. The difference in cost that the member must pay does not accrue to any calendar year brand drug deductible, medical deductible, or the calendar year out-of-pocket maximum responsibility. 10 If a member or physician requests a brand drug when a generic drug equivalent is available, and the calendar year brand drug deductible has been satisfied, the member is responsible for paying the difference between the cost to Blue Shield for the brand drug and its generic drug equivalent, as well as the applicable generic drug copayment. The difference in cost that the member must pay does not accrue to any calendar year brand drug deductible, medical deductible, oor the calendar year out-of-pocket maximum responsibility. Refer to the Evidence of Coverage and Summary of Benefits for details. 11 Blue Shield has contracted with a specialized health care service plan to act as our mental health services administrator (MHSA). The MHSA provides mental health and chemical dependency services, other than inpatient services for medical acute detoxification, through a separate network of MHSA participating providers. Inpatient medical acute detoxification is a medical benefit provided by Blue Shield participating or non-participating (not MHSA) providers. 12 The comprehensive examination benefit and allowance does not include fitting and evaluation fees for contact lenses. 13 This benefit covers Collection frames at no cost at participating independent and retail chain providers. Participating retail chain providers typically do not display the frames as Collection, but are required to maintain a comparable selection of frames that are covered in full. For non-collection frames, the allowable amount is up to $150; however, if (a) the participating provider uses wholesale pricing, then the wholesale allowable amount will be up to $99.06, or if (b) the participating provider uses warehouse pricing, then the warehouse allowable amount will be up to $ Participating providers using wholesale pricing are identified in the provider directory. If frames are selected that are more expensive than the allowable amount established for this benefit, the member is responsible for the difference between the allowable amount and the provider s charge. 14 Contact lenses are covered in lieu of eyeglasses once per calendar year. See the Definitions section in the Evidence of Coverage for the definitions of Elective Contact Lenses and Non-Elective (Medically Necessary) Contact Lenses. A report from the provider and prior authorization from the Vision Plan Administrator (VPA) is required. 15 A report from the provider and prior authorization from the Vision Plan Administrator is required. choosing your health plan 13