Clover. Annual Notice of Changes for Clover Health CarePoint (PPO) offered by Clover Health

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1 Clover Clover Health CarePoint (PPO) offered by Clover Health Annual Notice of Changes for 2016 You are currently enrolled as a member of Clover Health CarePoint (PPO). Next year, there will be some changes to the plan s costs and benefits. This booklet tells about the changes. You have from October 15 until December 7 to make changes to your Medicare coverage for next year. Additional Resources This information is available for free in other languages. Please contact our Customer Service number at for additional information. (TTY users should call 711). From October 1 through February 14, Call Center hours are from 8:00 a.m. to 8:00 p.m., seven days a week. From February 15 through September 30, the Call Center hours are from 8:00 a.m. to 8:00 p.m., Monday through Friday. After hours and holidays, your call will be handled by our voic system. Customer Service also has a free language interpreter services available for non-english speakers (phone numbers are in Section 8.1 of this booklet). Esta información está disponible en otros idiomas de manera gratuita. Si desea más información, comuniquese con Servicios al Cliente al (Los usuarios de TTY/TDD deben llamar al 711). Del 1 de octubre al 14 de febrero, el horario del centro de llamadas es de 8:00 am a 8:00 pm los siete días de la semana. Del 15 de febrero al 30 de septiembre, el horario del centro de llamadas es de 8:00 am a 8:00 pm de lunes a viernes. Después de horas de negocio y dias feriados, sus llamadas serán atendidas por nuestro sistema de correo de voz. Las personas que no hablan ingles pueden solicitor el servicio gratuito de intérpretes a Servicios al Cliente. This document may be made available in other formats such as Braille, large print or other alternate formats. Please contact Customer Service for more information. About Clover Health CarePoint Clover Health is a Preferred Provider Organization (PPO) with a Medicare contract. Enrollment in Clover Health depends on Contract Renewal. When this booklet says we, us, or our, it means Clover Health. When it says plan or our plan, it means Clover Health CarePoint (PPO). H5141_CloverCarePoint_ANOC_EOC_16_v4_Approved Form CMS ANOC/EOC OMB Approval (Approved 03/2014)

2 2016 Annual Notice of Changes for Clover Health Classic (PPO) 2 Think about Your Medicare Coverage for Next Year Each fall, Medicare allows you to change your Medicare health and drug coverage during the Annual Enrollment Period. It s important to review your coverage now to make sure it will meet your needs next year. Important things to do: Check the changes to our benefits and costs to see if they affect you. Do the changes affect the services you use? It is important to review benefit and cost changes to make sure they will work for you next year. Look in Sections for information about benefit and cost changes for our plan. Check the changes to our prescription drug coverage to see if they affect you. Will your drugs be covered? Are they in a different tier? Can you continue to use the same pharmacies? It is important to review the changes to make sure our drug coverage will work for you next year. Look in Section 2.6 for information about changes to our drug coverage. Check to see if your doctors and other providers will be in our network next year. Are your doctors in our network? What about the hospitals or other providers you use? Look in Section 2.3 for information about our Provider Directory. Think about your overall health care costs. How much will you spend out-of-pocket for the services and prescription drugs you use regularly? How much will you spend on your premium? How do the total costs compare to other Medicare coverage options? Think about whether you are happy with our plan. If you decide to stay with Clover Health CarePoint (PPO) If you want to stay with us next year, it s easy you don t need to do anything. If you don t make a change by December 7, you will automatically stay enrolled in our plan. If you decide to change plans: If you decide other coverage will better meet your needs, you can switch plans between October 15 and December 7. If you enroll in a new plan, your new coverage will begin on January 1, Look in Section Section 4 to learn more about your choices.

3 2016 Annual Notice of Changes for Clover Health Classic (PPO) 3 Summary of Important Costs for 2016 The table below compares the 2015 costs and 2016 costs for Clover Health CarePoint (PPO) in several important areas. Please note this is only a summary of changes. It is important to read the rest of this Annual Notice of Changes and review the attached Evidence of Coverage to see if other benefit or cost changes affect you. Cost 2015 (this year) 2016 (next year) Monthly plan premium* * Your premium may be higher or lower than this amount. See Section 2.1 for details. $0 Premium $0 Premium Maximum out-of-pocket amounts This is the most you will pay out-of-pocket for your covered Part A and Part B services. (See Section 2.2 for details.) Doctor office visits Inpatient hospital stays Includes inpatient acute, inpatient rehabilitation, long-term care hospitals and other types of inpatient hospital services. Inpatient hospital care starts the day you are formally admitted to the hospital with a doctor s order. The day before you are discharged is your last inpatient day. From network providers: $6,700 From network and out-of-network providers combined: $6,700 Primary care visits: $0 per visit. Specialist visits: $20 per visit. $80 copay days 1-6 for Medicare-covered hospital stays in-network. $0 copay days 7-90 for Medicare-covered hospital stays in network. From network providers: $6,700 From network and out-of-network providers combined: $6,700 Primary care visits: $0 per in- & out of network visit. Specialist visits: $15 per visit in & out-of network. $290 copay days 1-6 for Medicare-covered hospital stays in-network. $0 copay for days 7-90 for Medicare-covered hospital stays in network. $0 copay for days for Medicare-covered hospital stays in-network. $290 copay for days 1-6 for Medicare-covered hospital out-of-network. $0 copay for days for Medicare-covered hospital out-of-network.

4 2016 Annual Notice of Changes for Clover Health Classic (PPO) 4 Cost 2015 (this year) 2016 (next year) Part D prescription drug coverage (See Section 2.6 for details.) Deductible: $320 (applies to tiers 3,4 and 5) Copays during the Initial Coverage Stage: Drug Tier 1: $0 copay Drug Tier 2: $8 copay Drug Tier 3: $45 copay Drug Tier 4: $95 copay Drug Tier 5: 25% coinsurance Deductible: $150 (applies to tiers 3,4,5 Copays during the Initial Coverage Stage: Both Standard/Preferred Drug Tier 1: $4 copay/$0 copay Drug Tier 2: $15 copay/$10 copay Drug Tier 3: $45 copay/$35 copay Drug Tier 4: $95 copay/$85 copay Drug Tier 5: 25% coinsurance *(same or both)

5 2016 Annual Notice of Changes for Clover Health Classic (PPO) 5 Annual Notice of Changes for 2016 Table of Contents Think about Your Medicare Coverage for Next Year... 2 Summary of Important Costs for SECTION 1 We Are Changing the Plan s Name... 6 SECTION 1 Unless You Choose Another Plan, You Will Be Automatically Enrolled in Clover Health CarePoint(PPO) in SECTION 2 Changes to Benefits and Costs for Next Year... 6 Section 2.1 Changes to the Monthly Premium... 6 Section 2.2 Changes to Your Maximum Out-of-Pocket Amounts... 7 Section 2.3 Changes to the Provider Network... 7 Section 2.4 Changes to the Pharmacy Network... 8 Section 2.5 Changes to Benefits and Costs for Medical Services... 8 Section 2.6 Changes to Part D Prescription Drug Coverage SECTION 3 Deciding Which Plan to Choose Section 3.1 If you want to stay in: Clover Health CarePoint (PPO) Section 3.2 If you want to change plans SECTION 4 Deadline for Changing Plans SECTION 5 Programs That Offer Free Counseling about Medicare SECTION 6 Programs That Help Pay for Prescription Drugs SECTION 7 Questions? Section 7.1 Getting Help from Clover Health CarePoint (PPO) Section 7.2 Getting Help from Medicare... 19

6 2016 Annual Notice of Changes for Clover Health Classic (PPO) 6 SECTION 1 We Are Changing the Plan s Name On January 1, 2016, our plan name will change from CarePoint Advantage (MAPD-PPO) to Clover Health CarePoint (PPO). As a Member of the CarePoint Advantage (MAPD-PPO) plan, you will receive your new ID card under the Clover Health CarePoint (PPO) plan via registered mail in December 2015 SECTION 1 Unless You Choose Another Plan, You Will Be Automatically Enrolled in Clover Health CarePoint (PPO) in 2016 On January 1, 2016, Clover Health will be combining Care Point Advantage(MAPD-PPO) with one of our plans, Clover Health CarePoint (PPO). If you do nothing to change your Medicare coverage by December 7, 2015, we will automatically enroll you in our Clover Health. This means starting January 1, 2016, you will be getting your medical and prescription drug coverage through Clover Health. If you want to, you can change to a different Medicare health plan. You can also switch to Original Medicare. If you want to change, you must do so between October 15 and December 7. The information in this document tells you about the differences between your current benefits in CarePoint Advantage (MAPD-PPO) Health Plan and the benefits you will have on January 1, 2016 as a member of Clover Health CarePoint (PPO). SECTION 2 Changes to Benefits and Costs for Next Year Section 2.1 Changes to the Monthly Premium Cost 2015 (this year) 2016 (next year) Monthly premium (You must also continue to pay your Medicare Part B premium.) $0 Monthly Premium $0 Monthly Premium Your monthly plan premium will be more if you are required to pay a late enrollment penalty. If you have a higher income, you may have to pay an additional amount each month directly to the government for your Medicare prescription drug coverage. Your monthly premium will be less if you are receiving Extra Help with your prescription drug costs.

7 2016 Annual Notice of Changes for Clover Health Classic (PPO) 7 Section 2.2 Changes to Your Maximum Out-of-Pocket Amounts To protect you, Medicare requires all health plans to limit how much you pay out-of-pocket during the year. These limits are called the maximum out-of-pocket amounts. Once you reach this amount, you generally pay nothing for covered Part A and Part B services for the rest of the year. Cost 2015 (this year) 2016 (next year) In-network maximum out-of-pocket amount Your costs for covered medical services (such as copays) from in-network providers count toward your in-network maximum out-of-pocket amount. Your costs for prescription drugs do not count toward your maximum out-of-pocket amount. $6,700 $6,700 Once you have paid $6,700 out-of-pocket for covered Part A and Part B services, you will pay nothing for your covered Part A and Part B services from in-network providers for the rest of the calendar year. Combined maximum out-of-pocket amount Your costs for covered medical services (such as copays) from in-network and out-of-network providers count toward your combined maximum out-of pocket amount. $6,700 $6,700 Once you have paid $6,700 out-of-pocket for Part A and Part B services from innetwork providers, you will pay nothing for your covered Part A and Part B services from in-network or out-ofnetwork providers for the rest of the calendar year. Section 2.3 Changes to the Provider Network An updated Provider Directory is located on our website at You may also call Customer Service for updated provider information or to ask us to mail you a Provider Directory. Please review the 2016 Provider Directory to see if your providers are in our network. It is important that you know that we may make changes to the hospitals, doctors and specialist (providers) that are part of your plan during the year. There are a number of reasons why your provider might leave your plan but if your doctor or specialist does leave your plan you have certain rights and protections summarized below:

8 2016 Annual Notice of Changes for Clover Health Classic (PPO) 8 Even though our network of providers may change during the year, Medicare requires that we furnish you with uninterrupted access to qualified doctors and specialists. When possible we will provide you with at least 30 days notice that your provider is leaving our plan so that you have time to select a new provider. We will assist you in selecting a new qualified provider to continue managing your health care needs. If you are undergoing medical treatment you have the right to request, and we will work with you to ensure, that the medically necessary treatment you are receiving is not interrupted. If you believe we have not furnished you with a qualified provider to replace your previous provider or that your care is not being appropriately managed, you have the right to file an appeal of our decision. If you find out your doctor or specialist is leaving your plan, please contact us so we can assist you in finding a new provider and managing your care. Section 2.4 Changes to the Pharmacy Network Amounts you pay for your prescription drugs may depend on which pharmacy you use. Medicare drug plans have a network of pharmacies. In most cases, your prescriptions are covered only if they are filled at one of our network pharmacies. There are changes to our network of pharmacies for next year. An updated Pharmacy Directory is located on our website at You may also call Customer Service for updated provider information or to ask us to mail you a Pharmacy Directory. Please review the 2016 Pharmacy Directory to see which pharmacies are in our network. Section 2.5 Changes to Benefits and Costs for Medical Services We are changing our coverage for certain medical services next year. The information below describes these changes. For details about the coverage and costs for these services, see Chapter 4, Medical Benefits Chart (what is covered and what you pay), in your 2016 Evidence of Coverage.

9 2016 Annual Notice of Changes for Clover Health Classic (PPO) 9 Cost 2015 (this year) 2016 (next year) Inpatient Hospital Care Days 1-6: $80 copay per day for Medicarecovered hospital stays in-network. Days 7-90: $0 copay per day for Medicare-covered hospital stays in-network. Days 1-6: $290 copay per day for days Medicare-covered hospital stays innetwork. Days 7-90: $0 copay per day for Medicarecovered hospital stays in-network. Days : $0 copay per day for Medicarecovered hospital stays in-network. 20% of the total cost for each hospital stay out-of-network. Days 1-6: $290 copay per day for Medicarecovered hospital stays out-ofnetwork. Days 7-365: $0 copay per day for Medicarecovered hospital stays out-ofnetwork. Inpatient Mental Health Days 1-6: $80 copay per day for Medicare-covered hospital stays in-network. Days 7-90: $0 copay per day for Medicare-covered hospital stays in-network. 20% of the total cost for each hospital stay out-of-network. Days 1-6: $260 copay per day for Medicarecovered hospital stays in-network. Days 7-90: $0 copay per day for Medicarecovered hospital stays in network. Days 1-6: $260 copay per day for Medicarecovered hospital stays out-ofnetwork. Days 7-365: $0 copay per day for Medicarecovered hospital stays out-ofnetwork.

10 2016 Annual Notice of Changes for Clover Health Classic (PPO) 10 Cost 2015 (this year) 2016 (next year) Physician/Practitioner Services, including doctor s office visits Chiropractic Services $0 copay for each Medicare-covered primary visit in-network. $20 copay for each Medicarecovered specialist visit in-network. 35% coinsurance for each Medicarecovered primary visit out-of-network. 35% coinsurance for each Medicarecovered specialist visit out-ofnetwork. You pay $20 copay for each Medicare-covered visit in-network. You pay 35% of the total cost for each Medicare-covered visit out-ofnetwork. $0 copay for each Medicare-covered primary visit in & out-of-network. $15 copay for each Medicare-covered specialist visit in & out-of-network. You pay $20 copay for each Medicare-covered visit in & out-ofnetwork. Podiatry Services You pay $20 copay for each Medicare-covered visit in network. You pay 35% of the total cost for each Medicare-covered visit out-ofnetwork. You pay $20 copay for each Medicare-covered visit in & out-ofnetwork. Hearing Services You pay $20 copay for each Medicare-covered visit in-network. You pay 35% of the total cost for each Medicare-covered visit out-ofnetwork. You pay $20 copay for each Medicare covered visit in network & out-of network.

11 2016 Annual Notice of Changes for Clover Health Classic (PPO) 11 Cost 2015 (this year) 2016 (next year) Outpatient Hospital Services You pay up to $200 copay for each Medicare-covered ambulatory surgical center visit in-network. You pay up to $200 copay for each Medicare-covered outpatient hospital facility visit in-network. You pay 35% of the total cost for each Medicare-covered ambulatory surgical center visit out-of-network. You pay 35% of the total cost for each Medicare-covered outpatient hospital facility visit out-of network. You pay $200 copay for each Medicare-covered ambulatory surgical center visit in & out-ofnetwork. You pay $290 copay for each Medicare-covered outpatient hospital facility visit in & out-of-network. Outpatient Mental Health Services You pay $20 copay for each Medicare-covered visit in-network. You pay 35% of the total cost for each Medicare-covered visit out-of network. You pay $20 copay for each Medicare-covered visit in & out-ofnetwork.

12 2016 Annual Notice of Changes for Clover Health Classic (PPO) 12 Cost 2015 (this year) 2016 (next year) Outpatient Rehabilitation Services You pay $20 copay for each Medicare-covered Occupational Therapy visit in-network. You pay 35% of the total cost for each Medicare-covered Occupational Therapy visit out-of-network. You pay $20 copay for each Medicare-covered Physical Therapy and/or Speech and Language Pathology visit in-network. You pay 35% of the total cost for each Medicare-covered Physical Therapy and/or Speech and Language Pathology visit out-ofnetwork. You pay $20 copay for each Medicare-covered Occupational therapy visit in network & out-ofnetwork. You pay $20 copay for each Medicare-covered Physical therapy and/or speech and Language therapy visit in network & out-of-network. Outpatient Substance Abuse You pay $20 copay for each Medicare-covered visit in-network. You pay 35% of the total cost for each Medicare-covered visit out-ofnetwork. You pay $20 copay for each Medicare-covered in & out-of network. You pay $20 copay for each Medicare-covered group therapy visit in & out-of-network. Cardiac and Pulmonary Rehabilitation Services You pay $20 copay for each Medicare-covered visit in-network. You pay 35% of the total cost for each Medicare-covered visit out-ofnetwork. You pay $20 copay for each Medicare-covered visit visit in & outof-network.

13 2016 Annual Notice of Changes for Clover Health Classic (PPO) 13 Cost 2015 (this year) 2016 (next year) Skilled Nursing Facility (SNF) Care You pay for SNF stays in-network: Days 1-20: $0 copay per day. Days : $150 copay per day. You pay 35% of the total cost for each Medicare-covered SNF stay out-of-network. You pay for SNF stays in network & out-of-network. Days 1-20: $0 copay per day. Days : $160 copay per day. Ambulance Services(medically necessary ambulance services) You pay $150 copay for each Medicare-covered ambulance benefits in-network. You pay 35% of the total cost for each Medicare-covered ambulance benefit out-of-network. You pay $200 copay for each Medicare-covered ambulance benefits in network & out-of-network. Over the Counter Benefits $65 quarterly benefit. Benefit does not roll over. $21 quarterly benefit. Benefit does not roll over. Please visit out website to see our list of covered over-the counter-items. Section 2.6 Changes to Part D Prescription Drug Coverage Changes to Our Drug List Our list of covered drugs is called a Formulary or Drug List. A copy of our Drug List is in this envelope.

14 2016 Annual Notice of Changes for Clover Health Classic (PPO) 14 We made changes to our Drug List, including changes to the drugs we cover and changes to the restrictions that apply to our coverage for certain drugs. Review the Drug List to make sure your drugs will be covered next year and to see if there will be any restrictions. If you are affected by a change in drug coverage, you can: Work with your doctor (or other prescriber) and ask the plan to make an exception to cover the drug. Current members can ask for an exception before next year and will give you an answer within 72 hours after w receive your request (or your prescriber s supporting statement). If we approve your request, you ll be able to get your drug at the start of the new plan year. o To learn what you must do to ask for an exception, see Chapter 9 of your Evidence of Coverage (What to do if you have a problem or complaint (coverage decisions, appeals, complaints)) or call Customer Service. Find a different drug that we cover. You can call Customer Service to ask for a list of covered drugs that treat the same medical condition. In some situations, we are required to cover a one-time, temporary supply of a non-formulary in the first 90 days of coverage of the plan year or coverage. (To learn more about when you can get a temporary supply and how to ask for one, see Chapter 5, Section 5.2 of the Evidence of Coverage.) During the time when you are getting a temporary supply of a drug, you should talk with your doctor to decide what to do when your temporary supply runs out. You can either switch to a different drug covered by the plan or ask the plan to make an exception for you and cover your current drug. Changes to Prescription Drug Costs Note: If you are in a program that helps pay for your drugs ( Extra Help ), the information about costs for Part D prescription drugs may not apply to you. We included a separate insert, called the Evidence of Coverage Rider for People Who Get Extra Help Paying for Prescription Drugs (also called the Low Income Subsidy Rider or the LIS Rider ), which tells you about your drug costs. If you get Extra Help and please call Customer Service and ask for the LIS Rider. Phone numbers for Customer Service are in Section 8.1 of this booklet. There are four drug payment stages. How much you pay for a Part D drug depends on which drug payment stage you are in. (You can look in Chapter 6, Section 2 of your Evidence of Coverage for more information about the stages.) The information below shows the changes for next year to the first two stages the Yearly Deductible Stage and the Initial Coverage Stage. (Most members do not reach the other two stages the Coverage Gap Stage or the Catastrophic Coverage Stage. To get information about your costs in these stages, look at Chapter 6, Sections 6 and 7, in the attached Evidence of Coverage.)

15 2016 Annual Notice of Changes for Clover Health Classic (PPO) 15 Changes to the Deductible Stage Stage 2015 (this year) 2016 (next year) Stage 1: Yearly Deductible Stage During this stage, you pay the full cost of your tiers 3, 4 and 5 drugs until you have reached the yearly deductible. The deductible is $320 (Applies to tiers 3, 4 and 5) The deductible is $150 (Applies to tiers 3, 4 and 5) Changes to Your Cost-sharing in the Initial Coverage Stage Stage 2015 (this year) 2016 (next year) Stage 2: Initial Coverage Stage Once you pay the yearly deductible, you move to the Initial Coverage Stage. During this stage, the plan pays its share of the cost of your drugs and you pay your share of the cost. The costs in this row are for a onemonth (31-day) supply when you fill your prescription at a network pharmacy that provides standard cost-sharing. For information about the costs for a long-term supply at a network pharmacy that offers preferred cost-sharing. Or for mail orders prescriptions, look in Chapter 6, Section 5 of your Evidence of Coverage. We changed the tier for some of the drugs on our Drug List. To see if your drugs will be in a different tier, look them up on the Drug List. Your cost for a one-month supply filled at a network pharmacy with standard cost-sharing: Preferred Generics (Tier 1): You pay: $0 copay per prescription Generics (Tier 2): You pay $8 copay per prescription Preferred Brand (Tier 3): You pay: $45 copay per prescription Non-Preferred Brand (Tier 4): You pay $95 copay per prescription Specialty (Tier 5): You pay 25% coinsurance of the total cost. Your cost for a one-month supply filled at a network pharmacy with standard costsharing: Preferred Generics (Tier 1): You pay $4 copay per prescription (or $0 copay at preferred locations) Generics (Tier 2): You pay $15 copay per prescription (or $10 copay at preferred locations) Preferred Brand (Tier 3): You pay: $45 copay per prescription (or $35 copay at preferred locations) Non-Preferred Brand (Tier 4): You pay $95 copay per prescription (or $85 copay at preferred locations) Specialty (Tier 5): You pay 25% coinsurance of the total cost.

16 2016 Annual Notice of Changes for Clover Health Classic (PPO) 16 Once your total drugs costs have reached $2850, you will move to the next stage (the Coverage Gap Stage). Once your total drugs costs have reached $3,310, you will move to the next stage (the Coverage Gap Stage). Changes to the Coverage Gap and Catastrophic Coverage Stages The other two drug coverage stages the Coverage Gap Stage and the Catastrophic Coverage Stage are for people with high drug costs. Most members do not reach the Coverage Gap Stage or the Catastrophic Coverage Stage. For information about your costs in these stages, look at Chapter 6, Sections 6 and 7, in your Evidence of Coverage. SECTION 3 Deciding Which Plan to Choose Section 3.1 If you want to stay in: Clover Health CarePoint (PPO) To stay in our plan, you don t need to do anything. If you do not sign up for a different plan or change to Original Medicare by December 7, you will automatically stay enrolled as a member of our plan for Section 3.2 If you want to change plans We hope to keep you as a member next year but if you want to change for 2016 follow these steps: Step 1: Learn about and compare your choices You can join a different Medicare health plan, --OR-- You can change to Original Medicare. If you change to Original Medicare, you will need to decide whether to join a Medicare drug plan and whether to buy a Medicare supplement (Medigap) policy. To learn more about Original Medicare and the different types of Medicare plans, read Medicare & You 2016, call your State Health Insurance Assistance Program (see Section 6), or call Medicare (see Section 7.2). You can also find information about plans in your area by using the Medicare Plan Finder on the Medicare website. Go to and click Find health & drug plans. Here, you can find information about costs, coverage, and quality ratings for Medicare plans.

17 2016 Annual Notice of Changes for Clover Health Classic (PPO) 17 Step 2: Change your coverage To change to a different Medicare health plan, enroll in the new plan. You will automatically be disenrolled from Clover Health CarePoint (PPO). To change to Original Medicare with a prescription drug plan, enroll in the new drug plan. You will automatically be disenrolled from Clover Health CarePoint (PPO). To change to Original Medicare without a prescription drug plan, you must either: o Send us a written request to disenroll. Contact Customer Service if you need more information on how to do this (phone numbers are in Section 8.1 of this booklet). o Or Contact Medicare, at MEDICARE ( ), 24 hours a day, 7 days a week, and ask to be disenrolled. TTY users should call As a reminder, Clover Health offers other Medicare health plans AND/OR Medicare prescription drug plans. These other plans may differ in coverage, monthly premiums, and cost-sharing amounts. SECTION 4 Deadline for Changing Plans If you want to change to a different plan or to Original Medicare for next year, you can do it from October 15 until December 7. The change will take effect on January 1, Are there other times of the year to make a change? In certain situations, changes are also allowed at other times of the year. For example, people with Medicaid, those who get Extra Help paying for their drugs, and those who move out of the service area are allowed to make a change at other times of the year. For more information, see Chapter 10, Section 2.3 of the Evidence of Coverage. If you enrolled in a Medicare Advantage plan for January 1, 2016, and don t like your plan choice, you can switch to Original Medicare between January 1 and February 14, For more information, see Chapter 10, Section 2.2 of the Evidence of Coverage. SECTION 5 Programs That Offer Free Counseling about Medicare The State Health Insurance Assistance Program (SHIP) is a government program with trained counselors in every state. In New Jersey the SHIP is called The New jersey SHIP. The New Jersey State Health Insurance Assistance Program (SHIP) is independent (not connected with any insurance company or health plan). It is a state program that gets money from the Federal government to give free local health insurance counseling to people with Medicare. The New Jersey State Health Insurance Assistance Program (SHIP) counselors can help you with your Medicare questions or problems. They can help you understand your Medicare plan choices and answer

18 2016 Annual Notice of Changes for Clover Health Classic (PPO) 18 questions about switching plans. You can call The New Jersey State Health Insurance Assistance Program (SHIP) at or You can learn more about. The New Jersey State Health Insurance Assistance Program (SHIP) by visiting their website ( SECTION 6 Programs That Help Pay for Prescription Drugs You may qualify for help paying for prescription drugs. There are two basic kinds of help: Extra Help from Medicare. People with limited incomes may qualify for Extra Help to pay for their prescription drug costs. If you qualify, Medicare could pay up to 75% or more of your drug costs including monthly prescription drug premiums, annual deductibles, and coinsurance. Additionally, those who qualify will not have a coverage gap or late enrollment penalty. Many people are eligible and don t even know it. To see if you qualify, call: o MEDICARE ( ). TTY users should call , 24 hours a day/7 days a week; o o The Social Security Office at between 7 a.m. and 7 p.m., Monday through Friday. TTY users should call, (applications); Your State Medicaid Office (applications). Help from your state s pharmaceutical assistance program. New Jersey has a program called Pharmaceutical Assistance for the Age and Disabled (PAAD) that helps people pay for prescription drugs based on their financial need, age, or medical condition. To learn more about the program, check with your State Health Insurance Assistance Program (the name and phone numbers for this organization are in Section 6 of this booklet). Prescription Cost-sharing Assistance for Persons with HIV/AIDS. The AIDS Drug Assistance Program (ADAP) helps ensure that ADAP-eligible individuals living with HIV/AIDS have access to life-saving HIV medications. Individuals must meet certain criteria, including proof of State residence and HIV status, low income as defined by the State, and uninsured/under-insured status. Medicare Part D prescription drugs that are also covered by ADAP qualify for prescription cost-sharing assistance through the New Jersey AIDS Drug Assistance Program (ADAP) For information on eligibility criteria, covered drugs, or how to enroll in the program, please call (609) SECTION 7 Questions? Section 7.1 Getting Help from Clover Health CarePoint (PPO) Questions? We re here to help. Please call Customer Service at (TTY only, cal We are available for phone calls Monday through Friday 8a.m. until 8p.m. (EST. Calls to these numbers are free.

19 2016 Annual Notice of Changes for Clover Health Classic (PPO) 19 Read your 2016 Evidence of Coverage (it has details about next year's benefits and costs) This Annual Notice of Changes gives you a summary of changes in your benefits and costs for For details, look in the 2016 Evidence of Coverage for Clover Health CarePoint (PPO). The Evidence of Coverage is the legal, detailed description of your plan benefits. It explains your rights and the rules you need to follow to get covered services and prescription drugs. A copy of the Evidence of Coverage is included in this envelope. Visit our Website You can also visit our website at As a reminder, our website has the most upto-date information about our provider network (Provider Directory) and our list of covered drugs (Formulary/Drug List). Section 7.2 Getting Help from Medicare To get information directly from Medicare: Call MEDICARE ( ) You can call MEDICARE ( ), 24 hours a day, 7 days a week. TTY users should call Visit the Medicare Website You can visit the Medicare website ( It has information about cost, coverage, and quality ratings to help you compare Medicare health plans. You can find information about plans available in your area by using the Medicare Plan Finder on the Medicare website. (To view the information about plans, go to and click on Find health & drug plans. ) Read Medicare & You 2016 You can read Medicare & You 2016 Handbook. Every year in the fall, this booklet is mailed to people with Medicare. It has a summary of Medicare benefits, rights and protections, and answers to the most frequently asked questions about Medicare. If you don t have a copy of this booklet, you can get it at the Medicare website ( or by calling MEDICARE ( ), 24 hours a day, 7 days a week. TTY users should call

20 Clover January 1 December 31, 2016 Evidence of Coverage: Your Medicare Health Benefits and Services and Prescription Drug Coverage as a Member of Clover Health CarePoint (PPO) This booklet gives you the details about your Medicare health care and prescription drug coverage from January 1 December 31, It explains how to get coverage for the health care services and prescription drugs you need. This is an important legal document. Please keep it in a safe place. This plan, Clover Health CarePoint (PPO) is offered by Clover Health (When this Evidence of Coverage says we, us, or our, it means Clover Health When it says plan or our plan, it means Clover Health CarePoint (PPO)). Clover Health is a Preferred Provider Organization (PPO) with a Medicare contract. Enrollment is dependent on contract renewal This information is available for free in other languages. Please contact our Customer Service number at for additional information. (TTY users should call 711). From October 1 through February 14, Call Center hours are from 8:00 a.m. to 8:00 p.m., seven days a week. From February 15 through September 30, the Call Center hours are from 8:00 a.m. to 8:00 p.m., Monday through Friday. After hours and holidays, your call will be handled by our voic system. Customer Service also has free language interpreter services available for non-english speakers (phone numbers are printed on the back cover of this booklet). Esta información está disponible en otros idiomas de manera gratuita. Si desea más información, comuníquese con Servicios al Cliente al (Los usuarios de TTY/TDD deben llamar al 711). Del 1 de octubre al 14 de febrero, el horario del centro de llamadas es de 8:00 am a 8:00 pm los siete días de la semana. Del 15 de febrero al 30 de septiembre, el horario del centro de llamadas es de 8:00 am a 8:00 pm de lunes a viernes. Después de horas de negocio y dias feriados, sus llamadas serán atendidas por nuestro sistema de correo de voz. Las personas que no hablan inglés pueden solicita el servicio gratuito de intérpretes a Servicios al Cliente. This document may be available in other formats such as Braille, large print or other alternate formats. Please contact Customer Service for more information. Benefits, formulary, pharmacy network, premium, deductible, and/or copayments/coinsurance may change on January 1, H5141_CloverCarePoint_ANOC_EOC_16_v4 Form CMS ANOC/EOC OMB Approval (Approved 03/2014)

21 2016 Evidence of Coverage for Clover Health CarePoint (PPO) 2 Table of Contents 2016 Evidence of Coverage Table of Contents This list of chapters and page numbers is your starting point. For more help in finding information you need, go to the first page of a chapter. You will find a detailed list of topics at the beginning of each chapter. Chapter 1. Getting started as a member... 5 Explains what it means to be in a Medicare health plan and how to use this booklet. Tells about materials we will send you, your plan premium, your plan membership card, and keeping your membership record up to date. Chapter 2. Important phone numbers and resources Tells you how to get in touch with our plan Clover Health CarePoint (PPO) and with other organizations including Medicare, the State Health Insurance Assistance Program (SHIP), the Quality Improvement Organization, Social Security, Medicaid (the state health insurance program for people with low incomes), programs that help people pay for their prescription drugs, and the Railroad Retirement Board. Chapter 3. Using the plan s coverage for your medical services Explains important things you need to know about getting your medical care as a member of our plan. Topics include using the providers in the plan s network and how to get care when you have an emergency. Chapter 4. Medical Benefits Chart (what is covered and what you pay) Gives the details about which types of medical care are covered and not covered for you as a member of our plan. Explains how much you will pay as your share of the cost for your covered medical care. Chapter 5. Using the plan s coverage for your Part D prescription drugs Explains rules you need to follow when you get your Part D drugs. Tells how to use the plan s List of Covered Drugs (Formulary) to find out which drugs are covered. Tells which kinds of drugs are not covered. Explains several kinds of restrictions that apply to coverage for certain drugs. Explains where to get your prescriptions filled. Tells about the plan s programs for drug safety and managing medications.

22 2016 Evidence of Coverage for Clover Health CarePoint (PPO) 3 Table of Contents Chapter 6. What you pay for your Part D prescription drugs Tells about the 4 stages of drug coverage (Deductible Stage, Initial Coverage Stage, Coverage Gap Stage, Catastrophic Coverage Stage) and how these stages affect what you pay for your drugs. Explains the 5 cost-sharing tiers for your Part D drugs and tells what you must pay for a drug in each cost-sharing tier. Tells about the late enrollment penalty. Chapter 7. Asking us to pay our share of a bill you have received for covered medical services or drugs Explains when and how to send a bill to us when you want to ask us to pay you back for our share of the cost for your covered services or drugs. Chapter 8. Your rights and responsibilities Explains the rights and responsibilities you have as a member of our plan. Tells what you can do if you think your rights are not being respected. Chapter 9. What to do if you have a problem or complaint (coverage decisions, appeals, complaints) Tells you step-by-step what to do if you are having problems or concerns as a member of our plan. Explains how to ask for coverage decisions and make appeals if you are having trouble getting the medical care or prescription drugs you think are covered by our plan. This includes asking us to make exceptions to the rules or extra restrictions on your coverage for prescription drugs, and asking us to keep covering hospital care and certain types of medical services if you think your coverage is ending too soon. Explains how to make complaints about quality of care, waiting times, customer service, and other concerns. Chapter 10. Ending your membership in the plan Explains when and how you can end your membership in the plan. Explains situations in which our plan is required to end your membership. Chapter 11. Legal notices Includes notices about governing law and about nondiscrimination. Chapter 12. Definitions of important words Explains key terms used in this booklet.

23 Clover CHAPTER 1 Getting started as a member

24 2016 Evidence of Coverage for Clover Health CarePoint (PPO) 5 Chapter 1. Getting started as a member Chapter 1. Getting started as a member SECTION 1 Introduction... 6 Section 1.1 You are enrolled in Clover Health CarePoint (PPO) which is a Medicare PPO... 6 Section 1.2 What is the Evidence of Coverage booklet about?... 6 Section 1.3 Legal information about the Evidence of Coverage... 6 SECTION 2 What makes you eligible to be a plan member?... 7 Section 2.1 Your eligibility requirements... 7 Section 2.2 What are Medicare Part A and Medicare Part B?... 7 Section 2.3 Here is the plan service area for Clover Health CarePoint (PPO)... 7 SECTION 3 What other materials will you get from us?... 8 Section 3.1 Your plan membership card Use it to get all covered care and prescription drugs... 8 Section 3.2 The Provider Directory: Your guide to all providers in the plan s network... 8 Section 3.3 The Pharmacy Directory: Your guide to pharmacies in our network... 9 Section 3.4 The plan s List of Covered Drugs (Formulary)... 9 Section 3.5 The Part D Explanation of Benefits (the Part D EOB ): Reports with a summary of payments made for your Part D prescription drugs SECTION 4 Your monthly premium for Clover Health CarePoint (PPO) Section 4.1 How much is your plan premium? Section 4.2 If you pay a Part D late enrollment penalty, there are several ways you can pay your penalty Section 4.3 Can we change your monthly plan premium during the year? SECTION 5 Please keep your plan membership record up to date Section 5.1 How to help make sure that we have accurate information about you SECTION 6 We protect the privacy of your personal health information Section 6.1 We make sure that your health information is protected SECTION 7 How other insurance works with our plan Section 7.1 Which plan pays first when you have other insurance?... 15

25 2016 Evidence of Coverage for Clover Health CarePoint (PPO) 6 Chapter 1. Getting started as a member SECTION 1 Section 1.1 Introduction You are enrolled in Clover Health CarePoint (PPO) which is a Medicare PPO You are covered by Medicare, and you have chosen to get your Medicare health care and your prescription drug coverage through our plan, Clover Health CarePoint (PPO) There are different types of Medicare health plans. Clover Health CarePoint (PPO) a Medicare Advantage PPO Plan (PPO stands for Preferred Provider Organization). Like all Medicare health plans, this Medicare PPO is approved by Medicare and run by a private company. Section 1.2 What is the Evidence of Coverage booklet about? This Evidence of Coverage booklet tells you how to get your Medicare medical care and prescription drugs covered through our plan. This booklet explains your rights and responsibilities, what is covered, and what you pay as a member of the plan. The word coverage and covered services refers to the medical care and services and the prescription drugs available to you as a member of Clover Health CarePoint (PPO). It s important for you to learn what the plan s rules are and what services are available to you. We encourage you to set aside some time to look through this Evidence of Coverage booklet. If you are confused or concerned or just have a question, please contact our plan s Customer Service (phone numbers are printed on the back cover of this booklet). Section 1.3 Legal information about the Evidence of Coverage It s part of our contract with you This Evidence of Coverage is part of our contract with you about how Clover Health CarePoint (PPO) your care. Other parts of this contract include your enrollment form, the List of Covered Drugs (Formulary), and any notices you receive from us about changes to your coverage or conditions that affect your coverage. These notices are sometimes called riders or amendments. The contract is in effect for months in which you are enrolled in Clover Health CarePoint (PPO) between January 1, 2016 and December 31, Each calendar year, Medicare allows us to make changes to the plans that we offer. This means we can change the costs and benefits of Clover Health CarePoint (PPO) after December 31, We can also choose to stop offering the plan, or to offer it in a different service area, after December 31, 2016.

26 2016 Evidence of Coverage for Clover Health CarePoint (PPO) 7 Chapter 1. Getting started as a member Medicare must approve our plan each year Medicare (the Centers for Medicare & Medicaid Services) must approve Clover Health CarePoint (PPO) each year. You can continue to get Medicare coverage as a member of our plan as long as we choose to continue to offer the plan and Medicare renews its approval of the plan. SECTION 2 Section 2.1 What makes you eligible to be a plan member? Your eligibility requirements You are eligible for membership in our plan as long as: You have both Medicare Part A and Medicare Part B (section 2.2 tells you about Medicare Part A and Medicare Part B) -- and -- you live in our geographic service area (section 2.3 below describes our service area) and -- you do not have End-Stage Renal Disease (ESRD), with limited exceptions, such as if you develop ESRD when you are already a member of a plan that we offer, or you were a member of a different plan that was terminated. Section 2.2 What are Medicare Part A and Medicare Part B? When you first signed up for Medicare, you received information about what services are covered under Medicare Part A and Medicare Part B. Remember: Medicare Part A generally helps cover services provided by hospitals (for inpatient services, skilled nursing facilities, or home health agencies. Medicare Part B is for most other medical services (such as physician s services and other outpatient services) and certain items (such as durable medical equipment and supplies). Section 2.3 Here is the plan service area for Clover Health CarePoint (PPO) Although Medicare is a Federal program, Clover Health CarePoint (PPO) is available only to individuals who live in our plan service area. To remain a member of our plan, you must continue to reside in the plan service area. The service area is described below. Our service area includes Hudson County, New Jersey only. If you plan to move out of the service area, please contact Customer Service (phone numbers are printed on the back cover of this booklet). When you move, you will have a Special Enrollment Period that will allow you to switch to Original Medicare or enroll in a Medicare health or drug plan that is available in your new location.

27 2016 Evidence of Coverage for Clover Health CarePoint (PPO) 8 Chapter 1. Getting started as a member It is also important that you call Social Security if you move or change your mailing address. You can find phone numbers and contact information for Social Security in Chapter 2, Section 5. SECTION 3 Section 3.1 What other materials will you get from us? Your plan membership card Use it to get all covered care and prescription drugs While you are a member of our plan, you must use your membership card for our plan whenever you get any services covered by this plan and for prescription drugs you get at network pharmacies. Here s a sample membership card to show you what yours will look like: As long as you are a member of our plan you must not use your red, white, and blue Medicare card to get covered medical services (with the exception of routine clinical research studies and hospice services). Keep your red, white, and blue Medicare card in a safe place in case you need it later. Here s why this is so important: If you get covered services using your red, white, and blue Medicare card instead of using your Clover Health CarePoint (PPO) membership card while you are a plan member, you may have to pay the full cost yourself. If your plan membership card is damaged, lost, or stolen, call Customer Service right away and we will send you a new card. (Phone numbers for Customer Service are printed on the back cover of this booklet.) Section 3.2 The Provider Directory: Your guide to all providers in the plan s network The Provider Directory lists our network providers and durable medical equipment suppliers. What are network providers? Network providers are the doctors and other health care professionals, medical groups, hospitals, durable medical equipment suppliers, and other health care facilities that have an agreement with us

28 2016 Evidence of Coverage for Clover Health CarePoint (PPO) 9 Chapter 1. Getting started as a member to accept our payment and any plan cost-sharing as payment in full. We have arranged for these providers to deliver covered services to members in our plan. Why do you need to know which providers are part of our network? As a member of our plan, you can choose to receive care from out-of-network providers. Our plan will cover services from either in-network or out-of-network providers, as long as the services are covered benefits and medically necessary. However, if you use an out-of-network provider, your share of the costs for your covered services may be higher. See Chapter 3 (Using the plan s coverage for your medical services) for more specific information. If you don t have your copy of the Provider Directory, you can request a copy from Customer Service (phone numbers are printed on the back cover of this booklet). You may ask Customer Service for more information about our network providers, including their qualifications. You can also see the Provider Directory at or download it from this website. Both Customer Service and the website can give you the most up-to-date information about changes in our network providers. Section 3.3 The Pharmacy Directory: Your guide to pharmacies in our network What are network pharmacies? Network pharmacies are all of the pharmacies that have agreed to fill covered prescriptions for our plan members. Why do you need to know about network pharmacies? You can use the Pharmacy Directory to find the network pharmacy you want to use. This is important because, with few exceptions, you must get your prescriptions filled at one of our network pharmacies if you want our plan to cover (help you pay for) them. The Pharmacy Directory will also tell you which of the pharmacies in our network have preferred cost-sharing, which may be lower than the standard cost-sharing offered by other network pharmacies. If you don t have the Pharmacy Directory, you can get a copy from Customer Service (phone numbers are printed on the back cover of this booklet). At any time, you can call Customer Service to get up-to-date information about changes in the pharmacy network. You can also find this information on our website at wwww.cloverhealth.com Section 3.4 The plan s List of Covered Drugs (Formulary) The plan has a List of Covered Drugs (Formulary). We call it the Drug List for short. It tells which Part D prescription drugs are covered under the Part D benefit included in Clover Health CarePoint