Regence BlueCross BlueShield of Utah

Transcription

1 Regence BlueCross BlueShield of Utah

2 General Information This outline of coverage is a brief description of the important features of your Policy. This outline of coverage is not the insurance contract and only the actual provisions of the Policy will control. After you are accepted, a Policy and member card will be mailed to you. Please read your Policy carefully. The Policy itself sets forth in detail the rights and obligations of both you and Regence Health. It is, therefore, important that you READ YOUR POLICY CAREFULLY. This plan is designed to provide coverage for major hospital, medical, and surgical expenses incurred as a result of a covered Illness or Injury. Coverage is provided for daily hospital room and board, miscellaneous hospital services, surgical services, anesthesia services, in hospital medical services, and out of hospital care, subject to any deductibles, copayments, coinsurance, or other limitations which may be set forth in the Policy. This is NOT a Medicare Supplement Contract. If you or a family member becomes eligible for Medicare, you should review the Medicare Supplement Buyer s Guide available from Regence Health. If you choose to continue coverage under the Policy and Medicare, the benefits of the Policy shall be reduced by any amounts paid by Medicare. Guaranteed Renewability of Policy This Policy is renewable at the option of the Policyholder upon payment of the monthly premium when due or within the grace period, except in cases of intentional misrepresentation of material fact or fraud in connection with the coverage, Our decision to cease offering this Policy to individual Policyholders, or Our decision to cease offering coverage in the individual market. No modification or amendment will be effective until 30 days (or longer, as required by law) after written notice has been given to the Policyholder (except for modification of premium, which shall not be effective until 45 days after written notice has been given to the Policyholder), and modification must be uniform within the product line and at the time of renewal. Please refer to the Guaranteed Renewability and Policy Termination and the Modification of Policy provisions for details. Essential Health Benefits This coverage complies with the essential health benefits in the following ten categories: ambulatory patient services; emergency services; hospitalization; maternity and newborn care; mental health and substance use disorder services, including behavioral health treatment; prescription drugs; rehabilitation services and devices; laboratory services; preventive and wellness services including chronic disease management; and pediatric services, including oral and vision care. Page 2

3 What is Covered Benefits are available for these services and supplies when Medically Necessary. Benefits are subject to all of the applicable exclusions, limitations and requirements of the Policy. Some of the benefits listed below are limited; see the summary of benefits for details. Inpatient and Outpatient Hospital/Skilled Nursing Facility Semi private room accommodations Ancillary services and supplies Emergency room services Dialysis treatment chemotherapy and radiation therapy X ray and laboratory services Inpatient rehabilitation Home Health Care/Home Infusion Therapy Services Home Health Care services provided in the Insured s home Home Infusion Therapy services provided in the Insured s home Other services and supplies Physician Services Surgical services Assistant surgeon services Anesthesia services Inpatient medical services Outpatient medical services Diagnostic services Chemotherapy and radiation therapy Outpatient rehabilitation Consultations Preventive services Skilled nursing services Dialysis treatment Mental Health or Chemical Dependency Services Prescription Drugs Other Services Durable Medical Equipment Medical/Surgical supplies Ambulance services Inpatient/Outpatient Maternity Care Hospice (Inpatient/Outpatient and Respite) Rehabilitation and Habilitation Spinal Manipulations (Osteopathic only) Telemedicine Page 3

4 Diabetic Supplies and Educational Benefits Diabetic supplies (including needles, syringes, test strips, lancets, and other disposable diabetic supplies) are covered under the basic policy benefit for prescriptions. Diabetic education received through an accredited or certified diabetic education program is also covered. Transplants Coverage is available. Examples for transplants are (but not limited to): kidney, cornea, heart, heart/lung, lung, liver, and pancreas transplants, and bone marrow transplants for certain conditions. List of covered transplants is subject to change over time. Contact Regence Health for an up to date list. Preventive Services We cover preventive services and immunizations according to guidelines set forth by the United States Preventive Services Task Force (USPSTF), Centers for Disease Control and Prevention (CDC), and Health Services and Resources Administration (HRSA). In the event a service that is billed as Preventive does not meet these guidelines, standard plan benefits apply. Pediatric Dental Coverage The following dental benefits are covered for members up to age 19: Preventive Services Cleanings: Two per calendar year Oral Exams Preventive: Two per calendar year Fluoride Treatment: o Topical fluoride application limited to two treatments per calendar year. X Rays o Two routine x rays per calendar year o Complete mouth x rays (posterior bitewing films and 14 periapical films plus bitewings) are allowed once during any three year period for members age 13 through age 18, in lieu of panorex x ray o Full series bitewing x rays (4) allowed only twice in a plan year o Panorex covered once in a three year period in lieu of complete mouth x ray o Vertical bitewings up to eight films Sealants o For permanent molars, limited to once in a five year period through 17 years of age. Pediatric Vision Coverage The following vision benefits are covered for members up to age 19: Exam and hardware covered at 100% Exam: One per calendar year Lenses: One pair (two lenses) per calendar year Accidental Death Benefit All Regence Direct plans include a death benefit payable when we receive proof of death caused by accidental means. Adult subscribers, covered spouses, and covered children are eligible for this benefit. Benefits are subject to the terms set forth in the Policy. Page 4

5 The accidental death benefits are outlined below for the plan: Insured Death Benefit Adult Policyholder $10,000 Covered Spouse or Domestic Partner $10,000 Covered Dependent Child $2,500 per child Optional Dental/Vision/IAP Rider The Optional Dental/Vision/IAP Rider supplements pediatric dental benefits for enrollees under age 19 and provides those age 19 and older with dental, vision, and Individual Assistance Program (IAP) coverage. This optional coverage is available for an additional charge. Preventive oral examinations, limited to 2 per calendar year Problem focused oral examinations Bitewing x rays, limited to 2 per Insured per calendar year. Complete intra oral mouth x rays, limited to 1 in a three year period. Panoramic mouth x rays, limited to 1 in a three year period. Cleanings, limited to 2 per Insured per Calendar Year. Sealants, limited to permanent bicuspids and molars of Insureds under 18 years of age. Space maintainers for Insureds under 12 years of age. Topical fluoride application for Insureds under 18 years of age; limited to 2 treatments per Insured per calendar year. After you have been covered under the Policy for at least six months, we cover restorative dental services, as follows: Complex oral surgery procedures including surgical extractions of teeth, impactions, alveoloplasty, vestibuloplasty and residual root removal. Emergency treatment for pain relief. Endodontic services (consisting of: apicoectomy; debridement; direct pulp capping; pulpal therapy; pulpotomy; and root canal treatment). Endodontic benefits will not be provided for: indirect pulp capping; and pulp vitality tests. Fillings consisting of composite and amalgam restorations. General dental anesthesia or intravenous sedation administered in connection with the extractions of partially or completely bony impacted teeth and to safeguard the Insured s health (for example, a child under 7 years of age). Periodontal services consisting of: complex periodontal procedures (osseous surgery including flap entry and closure, mucogingivoplastic surgery) limited to once per Insured per quadrant in a five year period; debridement limited to once per Insured in a three year period; gingivectomy and gingivoplasty limited to once per Insured per quadrant in a three year period; periodontal maintenance limited to two per Insured per Calendar Year. (However, in no calendar year will any Insured be entitled to more than two exams whether periodontal maintenance or cleaning); and scaling and root planing limited to once per Insured per quadrant in a two year period. Uncomplicated oral surgery procedures including removal of teeth, incision and drainage. After you have been covered under the Policy for at least 12 months, we cover major dental services, as follows: Page 5

6 Adjustment and repair of dentures and bridges, except that benefits will not be provided for adjustments or repairs done within 1 year of insertion. Bridges (fixed partial dentures), except that benefits will not be provided for replacement made fewer than 7 years after placement. Crowns, crown build ups, inlays and onlays, except that benefits will not be provided for any of the following: any crown, inlay or onlay replacement made fewer than seven years after placement (or subsequent replacement) whether or not originally covered under the Policy; and additional procedures to construct a new crown under an existing partial denture framework. Dental implant crown and abutment related procedures, limited to one per Insured per tooth in a seven year period. Dentures, full and partial, including: denture rebase, limited to one per Insured per arch in a three year period; and denture relines, limited to one per Insured per arch in a three year period. Denture benefits will not be provided for: any denture replacement made fewer than 7 years after denture placement (or subsequent replacement) whether or not originally covered under the Policy; interim partial or complete dentures; or pediatric dentures. Endosteal implants, limited to four per Insured lifetime. Recement crown, inlay or onlay. Repair of crowns is limited to one per tooth per Insured lifetime. Repair of implant supported prosthesis or abutment, limited to 1 per tooth per Insured lifetime. Annual maximum is $750 per insured per calendar year. Under this Policy, You have the opportunity to add to the Maximum Benefit for the following Calendar Year. For example, if You used less than the Maximum Benefit for Covered Services in the first Calendar Year, an amount of $250 will be added to the $750 Maximum Benefit for the second Calendar Year. However, if You used more than the $750 Maximum Benefit for Covered Services in the first Calendar Year, no additional amount will be added to the Maximum Benefit for the second Calendar Year. To be eligible for this $250 Rewards Maximum Benefit, one or more benefit claims must be submitted on Your behalf for Covered Services provided under this Policy in the current Calendar Year. In subsequent Calendar Years, if You use no more than the $750 Maximum Benefit for the Calendar Year for Covered Services, an additional $250 Rewards Maximum Benefit will be added to the $750 Maximum Benefit for the following Calendar Year. However, the total Rewards Maximum Benefit for any Calendar Year (combined with the $750 Maximum Benefit) cannot exceed $1,500 per Insured. Vision IAP One routine eye exam per year All prescription lens types and frames. $150 limit per calendar year. Eight sessions at no cost share through the Reliant Behavioral Health Network Medical Limitations Coverage for Job or Work Related Claims or Illnesses Normally, job or work related claims that are paid under any workers compensation or employer liability insurance are excluded from coverage under the Policy. However, if you are not required by law to be covered under workers compensation insurance, coverage may be available for the cost of care and treatment related to such a claim, in accordance with the terms, conditions, limitations, and Page 6

7 exclusions of the Policy. Coverage under the Policy will be evaluated at the time a claim for such care and treatment is received by Regence Health and may require additional information from you to determine your entitlement to coverage under the Policy. Medical Exclusions No benefits will be provided for any of the following conditions, treatments, services, supplies, or accommodations, or for any direct complications or consequences thereof. Complementary Care We do not offer complementary care, including but not limited to the following: acupuncture, chiropractic care, massage or massage therapy, and the services of an acupuncturist, chiropractor, massage therapist and naturopath. Cosmetic/Reconstructive Services and Supplies All cosmetic/reconstructive services and supplies are excluded except for reconstruction for functional injury and disease or as required by state/federal mandates such as reconstructive breast surgery following a mastectomy for cancer. Counseling Counseling in the absence of illness including but not limited to premarital or marital counseling, family counseling (however family counseling will be covered when the identified patient is a child or adolescent with a covered diagnosis and the family counseling is part of the treatment) educational, social, behavioral or recreational therapy; image therapy; sensory movement groups; marathon group therapy; sensitivity training; IAP services (unless covered under separate option); Wilderness Programs. Custodial Care Non skilled care and helping with activities of daily living. Dental Examinations and Treatments Services and supplies for dental services are excluded except when covered under the Pediatric dental benefit or any dental option. Experimental or Investigational Services Experimental or investigational services as determined by Regence Health medical policy. Family Planning Over the counter contraceptive supplies, oral contraceptives (except where included in a prescription drug benefit) and reversals of sterilizations Fees, Taxes, Interest Fees, sales taxes, and interest. Health Interventions Related to a Non Covered Service Any services, supplies or charges which result from the treatment of any direct or indirect complication of any illness or condition for which coverage is not or was not provided. Infertility Treatment Treatment including surgery, all assisted reproductive procedures (in vitro fertilization, artificial insemination, embryo transfer, fertility drugs and medications, or other artificial means of conception). Page 7

8 Military Service Related Conditions Any condition resulting from military service in the armed forces of any country or any act of war (declared or undeclared) Obesity Treatments Treatment, medications, surgeries (including reversals), programs or supplies intended to result in weight reduction, regardless of diagnosis. Orthognathic Surgery Except for injury, illness, and congenital anomalies. Personal Comfort Items Appliances or equipment primarily for comfort, convenience, cosmetics, environmental control, education or general physical fitness (e.g. televisions, telephones, air conditioners, air filters, humidifiers, whirlpools, heat lamps, weight lifting equipment and physical fitness programs) Physical Exercise Programs and Equipment Physical exercise programs or equipment, including hot tubs, or membership fees at spas, health clubs, or other such facilities whether or not the program, equipment, or membership is recommended by the member s Provider. Prescription Drugs Including oral contraceptives, growth hormone, and self administrables as outlined by pharmacy, except as covered under a prescription drug benefit. Private Duty Nursing Private duty nursing, including ongoing shift care in the home. Riot, Rebellion, War, and Illegal Acts Services and supplies for treatment of an Illness or Injury caused by an member s unlawful instigation and/or participation in a riot, war insurrection, rebellion, armed invasion or aggression; or sustained by an member while in the act of committing an illegal act. Routine Eye Exam and Hardware Routine eye exam and hardware is excluded except where covered under the Pediatric Vision benefit or as an optional benefit Routine Foot Care Routine foot care which includes treatment of corns, calluses, and trimming of nails. Routine Hearing Exam, Hearing Aids, and Other Hearing Devices Routine hearing exam, hearing aids (externally worn or surgically implanted), and other hearing devices are excluded. Self Help, Self Care, Training or Instructional Programs Self help or training programs, including, but not limited to control weight, or provide general fitness (childbirth classes) or programs that teach a person how to use durable medical equipment or how to care for a family member. Page 8

9 Services and Supplies Provided by a Member of Your Family Services and supplies provided to you by a member of your immediate family. For purposes of this provision, "immediate family" means parents, spouse, children, siblings, half siblings, in laws or any relative by blood or marriage who shares a residence with you. Services and Supplies That Are Not Medically Necessary Services and supplies that are not medically necessary for the treatment of an illness, injury, or disability. Services Required By State as a Condition of Maintaining a Valid Driver s License Diversion Education programs, however diversion treatment or other court mandates for DUII may be covered but are subject to certain exclusions and regular copayments or coinsurance. Services that are not Direct Patient Care Services that are not direct patient care including but not limited to missed appointments, visits or consultations that are not in person (including telephone consultations), completion of claim forms, or completion of reports requested by us in order to process claims. Services to Alter the Refractive Character of the Eye Sexual Dysfunction Sexual dysfunction, regardless of cause, is excluded including but not limited to devices, implants, surgical procedures, and medications except for counseling services provided by covered, licensed mental health practitioners, if mental health services are covered benefits under the plan. Sexual Reassignment Treatment and Surgery Treatment, surgery or counseling services for sexual reassignment. Third Party Liability Services and supplies for treatment of illness or injury for which a third party is or may be responsible. Travel and Transportation Expenses Travel and Transportation expenses other than covered Ambulance Services. Travel Immunizations Immunizations for purposes of travel, occupation or residency in a foreign country. Treatment, Procedures, Techniques, or Therapies Outside Accepted Health Care Practice Treatment or prevention of Illness or Injury by means of treatments, procedures, techniques or therapies outside generally accepted health care practice, as determined by Us. Page 9

10 Pharmacy Exclusions Biological Sera, Blood or Blood Plasma Compounding Fees, Powders, and Non Covered Medications Used in Compounded Preparations Cosmetic Purposes Prescription Medications used for cosmetic purposes, including, but not limited to: removal, inhibition or stimulation of hair growth; retardation of aging; or repair of sun damaged skin. Dental Rinses and Fluoride Preparations Devices or Appliances Devices or appliances of any type, even if they require a Prescription Order (coverage for devices and appliances may otherwise be provided under the Medical Benefits Section of the policy). Diagnostic Agents Drugs Purchased from Non Participating Providers over the Internet Foreign Prescription Medications Foreign Prescription Medications, except those associated with an Emergency Medical Condition while You are traveling outside the United States, or those You purchase while residing outside the United States. These exceptions apply only to medications with an equivalent FDA approved Prescription Medication that would be covered under this section if obtained in the United States, except as may be provided under the Investigational definition in the Definitions Section of the policy. Growth Hormones (unless preauthorized) Hypodermic Needles (except for diabetic use) Insulin Pumps and Pump Administration Supplies Coverage for insulin pumps and supplies is provided under the medical benefit. Medications and Injectables Prescribed for Industrial Claims and Worker s Compensation Medications Dispensed from an Institution or Substance Abuse Clinic when you do not use your Pharmacy Card at a Contracted Pharmacy Medications We Don t Consider Self Administrable Coverage for these medications may otherwise be provided under the medical benefit. Medications or Nutritional Supplements for Weight Loss Nasal Immunizations Except as provided in the Preventive Care and Immunizations benefit of this Medical Benefits Section, We do not cover nasal immunizations. Page 10

11 Nonprescription Medications Medications that by law do not require a Prescription Order and which are not included in Our definition of Prescription Medications, unless included on Our Formulary. Oral Infant and Medical Formulas Prescription Medications Dispensed in a Facility Prescription Medications dispensed to You while You are a patient in a Hospital, Skilled Nursing Facility, nursing home or other health care institution. Medications dispensed upon discharge should be processed under this benefit if obtained from a Pharmacy. Prescription Medications for Treatment of Infertility Prescription Medications Not Dispensed by a Pharmacy Pursuant to a Prescription Order Prescription Medications Not Within a Provider's License Prescription Medications prescribed by Providers who are not licensed to prescribe medications (or that particular medication) or who have a restricted professional practice license. Prescription Medications Without Examination Prescriptions made by a Provider without recent and relevant in person examination of the patient (except as specifically allowed under the telemedicine benefit), whether the Prescription Order is provided by mail, telephone, internet or some other means. For purposes of this exclusion, an examination is "recent" if it occurred within 12 months of the date of the Prescription Order and is "relevant" if it involved the diagnosis, treatment or evaluation of the same or a related condition for which the Prescription Medication is being prescribed. Professional Charges for Adminstration of Any Medication Replacement of Lost, Stolen, or Damaged Medications Travel Immunizations Vitamins, minerals, food supplements, homeopathic medicines and nutritional supplements Prenatal vitamins and folic acid will be covered for pregnancy with prescription only. Dental Exclusions Additional Procedures to Construct New Crown Under Existing Partial Denture Framework Application of Desensitizing Medicaments Application of Desensitizing Resin for Cervical and/or Root Surface Basic (Restorative) Dental Services Services and supplies provided in connection with basic (restorative) dental services, including the following: Anesthesia Emergency (palliative) treatment Page 11

12 Endodontic procedures (for example, apicoectomy, pulpotomy, and root canal) Fillings Oral surgery, including extractions Periodontal procedures (for example, gingivectomy, gingivoplasty, and osseous surgery) Behavior Management Bleaching of Teeth Broken Retainers Collection of Cultures and Specimens Connector Bar or Stress Breaker Diagnostic Casts or Study Models Duplicate X Rays Eposteal and Transoteal Implants Exfoliative Cytology Sample Collection or Brush Biopsy Experimental or Investigational Services Experimental or investigational services as determined by Regence Health dental policy Fees, Taxes, Interest Gold Foil Restorations Hospitalizations for Dentistry House/Extended Care Facility Calls Implant Maintenance Procedures Includes removal of prosthesis, cleansing of prosthesis and abutments, reinsertion of prosthesis. Incision and Drainage of Abscess Extraoral Soft Tissue Complicated or non complicated. Indirect Pulp Capping Inclusive of other procedures. Page 12

13 Interim Partial or Complete Dentures Labial Veneers Local Anesthesia, Sterilization, and Supplies Billed as Separate Charges (these procedures are considered inclusive of billed procedures) Localized Delivery of Antimicrobial Agents via a Controlled Release Vehicle into Diseased Crevicular Tissue per Tooth Lost or Stolen Items Major Dental Services Services and supplies provided in connection with major dental services, including the following: Bridges Dentures (whether interim partial or complete) Inlays, onlays, and crowns Additional procedures to construct new crown under existing partial denture framework Maxillofacial Prosthetic Procedures Military Service Related Conditions Any condition resulting from military service in the armed forces of any country or any act of war (declared or undeclared) Modification of Removable Prosthesis Following Implant Surgery Nitrous Oxide Occlusal Analysis and Adjustments Occlusal Guards Oral Hygiene Instructions Oral/Facial Photographic Images Orthodontic Services Includes craniomandibular orthopedic treatment, procedures for tooth movement, regardless of purpose, correction of malocclusion, preventive orthodontic procedures, and other orthodontic treatment. Pin Retention in Addition to Restoration Precision Attachments Prescription Drugs Includes take home prescription drugs, pre medications, or supplies. Provisional Splinting Pulp Vitality Tests Page 13

14 Radical Resection of Maxilla or Mandible Radiographic/Surgical Implant Index Removal of Nonodontogenic Cyst, Tumor, or Lesion Replacement of Lost, Stolen, or Broken Dental Appliances Services and Supplies Provided by the Member's Immediate Family For purposes of this provision, "immediate family" means parents, spouse, children, siblings, halfsiblings, parent in law, child in law, sibling in law, half sibling in law, or any relative by blood or marriage who shares a residence with the member. Services and Supplies that are Not Medically Necessary Services and supplies that are not medically necessary for the treatment of an illness, injury or physical disability Services Performed in a Laboratory Surgical Procedures for Isolation of a Tooth with Rubber Dam Surgical Stent Therapeutic Drug Injections Third Party Coverage Services and supplies for treatment of illness or injury for which a third party is responsible [e.g. automobile medical, personal injury protection (PIP), automobile no fault homeowner, commercial premises coverage or similar coverage Tobacco or Nutritional Counseling for the Control and Prevention of Oral Disease Tooth Transplantation Travel and Transportation Expenses Treatment of Complications (Post Surgical); Unusual Circumstances Treatment of Simple or Compound Fractures of the Mandible Treatment of Temporomandibular Joint Dysfunction Unspecified Implant Procedures Page 14

15 Eligibility In general, if you or your spouse or domestic partner is covered (or will be eligible to be covered) by a Regence BCBSU group insurance plan, you are not eligible for coverage under one of our individual health insurance plans. If you allow your employer to pay the premiums directly (or reimburse you for the premiums) on the Policy, the policy will be considered a group policy, and you will not be eligible for coverage under this plan. To be eligible to apply, as a Policyholder, you must reside in our service area and continue to live in our service area six months or more per calendar year. Service area means the state of Utah. Termination Coverage will terminate in the event of: Failure to pay premiums Establishment of residence outside Utah Intentional misrepresentation of material fact or fraud Loss of dependent eligibility Your coverage cannot be terminated for health reasons. Regence BCBSU has the right to terminate the Policy if Regence BCBSU: Providers Eliminates coverage under the Policy for all Policyholders (in which case Regence BCBSU shall provide ninety (90) days prior written notice to all Members covered under the Policy and shall make available to the Policyholder, without regard to the claims experience or health status of any Insured, the option to purchase any other individual policy being offered by Regence BCBSU or an affiliate of Regence BCBSU for which they qualify) Elects not to renew all health benefit plans issued to individuals in Utah, in which case, Regence BCBSU shall provide 180 days prior written notice to all members covered under the Policy. Regence BCBSU gives You broad access to Providers. Regence BCBSU also allows You to control Your out of pocket expenses, such as Copayments and Coinsurance, for each Covered Service. You control Your out of pocket expenses by choosing Your Provider under two choices called: In Network" and Out of Network. In Network. You choose to see an In Network Provider and save the most in Your out of pocket expenses. Choosing this provider options means You will not be billed for balances beyond any Deductible, Copayment and/or Coinsurance for Covered Services. Out of Network. You choose to see an Out of Network Provider and You are responsible for all expenses, including balances beyond any Deductible, Copayment and/or Coinsurance.: this is sometimes referred to as balance billing. For each benefit in this Policy, We indicate the Provider You may choose and Your payment amount for each provider option. In Network and Out of Network are also in the Definitions Section of this Policy. You can go to for further Provider network information. Page 15

16 You will be responsible for the total billed charges for benefits in excess of lifetime or calendar year benefit maximums, if any, and for charges for any other service or supply not covered under the Policy, regardless of the provider rendering such service or supply. Out of Area Services We have a variety of relationships with other Blue Cross and/or Blue Shield Licensees referred to generally as "Inter Plan Programs." Whenever You obtain health care services outside of Our service area, the claims for these services may be processed through one of these Inter Plan Programs, which include the BlueCard Program and may include negotiated National Account arrangements available between Us and other Blue Cross and Blue Shield Licensees. Typically, when accessing care outside Our service area, You will obtain care from health care Providers that have a contractual agreement (i.e., are "participating Providers") with the local Blue Cross and/or Blue Shield Licensee in that other geographic area ("Host Blue"). In some instances, You may obtain care from nonparticipating Providers. Our payment practices in both instances are described below. BlueCard Program Under the BlueCard Program, when You access Covered Services within the geographic area served by a Host Blue, We will remain responsible for fulfilling Our contractual obligations. However, the Host Blue is responsible for contracting with and generally handling all interactions with its participating Providers. Whenever You access Covered Services outside Our service area and the claim is processed through the BlueCard Program, the amount You pay for Covered Services is calculated based on the lower of: The billed covered charges for Your Covered Services; or The negotiated price that the Host Blue makes available to Us. Often, this "negotiated price" will be a simple discount that reflects an actual price that the Host Blue pays to Your health care Provider. Sometimes, it is an estimated price that takes into account special arrangements with Your health care Provider or Provider group that may include types of settlements, incentive payments and/or other credits or charges. Occasionally, it may be an average price, based on a discount that results in expected average savings for similar types of health care Providers after taking into account the same types of transactions as with an estimated price. Estimated pricing and average pricing, going forward, also take into account adjustments to correct for over or underestimation of modifications of past pricing for the types of transaction modifications noted above. However, such adjustments will not affect the price We use for Your claim because they will not be applied retroactively to claims already paid. Laws in a small number of states may require the Host Blue to add a surcharge to Your calculation. If any state laws mandate other liability calculation methods, including a surcharge, We would then calculate Your liability for any Covered Services according to applicable law. Negotiated National Account Arrangements As an alternative to the BlueCard Program, Your claims for Covered Services may be processed through a negotiated National Account arrangement with a Host Blue. The amount You pay for Covered Services under this arrangement will be calculated based on the lower of either billed covered charges or negotiated price (refer to the description of negotiated price above) made available to Us by the Host Blue. Page 16

17 Nonparticipating Providers Outside Our Service Area Member Liability Calculation. When Covered Services are provided outside of Our service area by nonparticipating Providers, the amount You pay for such services will generally be based on either the Host Blue s nonparticipating Provider local payment or the pricing arrangements required by applicable state law. In these situations, You may be liable for the difference between the amount that the nonparticipating Provider bills and the payment We will make for the Covered Services as set forth in this paragraph. Exceptions. In certain situations, We may use other payment bases, such as billed covered charges, the payment We would make if the health care services had been obtained within Our service area, or a special negotiated payment, as permitted under Inter Plan Programs Policies, to determine the amount We will pay for services rendered by nonparticipating Providers. In these situations, You may be liable for the difference between the amount that the nonparticipating Provider bills and the payment We will make for the Covered Services as set forth in this paragraph. Member Card Your member card is issued after you have been accepted for coverage. You will receive it when you receive your Policy. When you or your enrolled family members require medical or hospital attention, just present your member card. Key information is contained on your card that assists in proper handling of your claim. Other Party Liability If another party is responsible for your illness or injury, the benefits paid under this program may be subject to subrogation. Subrogation means that Regence Health will recover the amounts it has paid in benefits out of the proceeds of any settlement or judgment that you receive as a recovery from the other party, whether or not you are made whole by the recovery and whether or not the recovery includes any amount for covered services. Coordination of Benefits When you or your family members are also enrolled in another health plan, payments for covered services will be determined by coordinating the benefits of the two programs. Dual coverage will provide the maximum benefits to which you are entitled while preventing payment duplication. The primary health plan pays the full benefits covered under its program, and then the secondary health plan may reduce its benefits. In no event will payment be made in excess of expenses incurred. Appeals Process A fair and well established multi level process is available to you to resolve any complaints or grievances regarding a claim denial or other action by Regence Health with internal and external reviews. Refer to the Policy for further information. Enrollment After carefully reading this brochure and deciding to apply for coverage, you should complete the Utah Individual Health Insurance Application and the Individual Application Cover Sheet and return it to Regence BCBSU. Premiums are determined by the gender and age of the adult Insured(s), and the number of children, if any, covered under the policy. We rely on the information you provide for Page 17

18 yourself and your dependents, so the information must be complete and accurate for each person to be enrolled. Acceptance of your application is based upon the prior insurance status of you and your family members. Policy Effective Date Review of your completed application generally takes about ten (10) working days. Your coverage effective date will be assigned on the first of the month after your application has been reviewed and accepted. If there is a delay in accepting your application and the effective date is postponed, you will be notified. Payment of Premiums Premiums are payable to Regence BCBSU. If premiums are not fully paid within 30 days after the due date, coverage under the Policy is automatically terminated effective with the due date of the unpaid premiums. You will be notified of any increase or decrease in premiums 45 days in advance of the change. Rate adjustments typically occur once each year on the first day of the month of your effective date, unless state or federal governments mandate benefit changes. Regence BCBSU can change your premium or modify your benefits only if it does so for all Policyholders in your class. The amount of your premium is in accordance with the rate schedules in effect at the time of coverage and is based on the gender and age of the adult Insured(s), and number of children, if any, covered under the policy. You will not receive separate advance notice of premium changes due to your age change. Ten Day Review Period You will have ten (10) days after you receive the Regence BCBSU Agreement to review the provisions of the Agreement and to review the benefits, limitations, and exclusions of the plan before acceptance. You may cancel within the 10 day review period and receive a full refund of your premium. There is no provision for premium refund after the 10 day review period. If your premium is refunded, the Regence BCBSU Agreement shall be void from the Effective Date. Reinstatement If any renewal premium is not paid within the time granted the insured for payment, a subsequent acceptance of premium by Regence BCBSU, without also requiring an application for reinstatement, shall reinstate the policy. However, if Regence BCBSU requires an application for reinstatement and issues a conditional receipt for the premium tendered, the policy shall be reinstated upon approval of this application from Regence BCBSU or, lacking this approval, upon the 45th day following the date of the conditional receipt, unless Regence BCBSU has previously notified You in writing of its disapproval of the application. The reinstated policy shall cover only loss resulting from such accidental injury as may be sustained after the date of reinstatement and loss due to such sickness as may begin more than 10 days after that date. In all other respects You and Regence BCBSU have the same rights under the reinstated policy as was had under the policy immediately before the due date of the defaulted premium, subject to any provisions endorsed on or attached to this policy in connection with the reinstatement. Any premium accepted in connection with a reinstatement shall be applied to a period for which premium has not been previously paid, but not to any period more than 60 days prior to the date of reinstatement. Page 18

19 SPECIAL NOTICES YOUR SPECIAL ENROLLMENT PERIOD RIGHTS If you gain a new dependent as a result of birth, adoption, or placement for adoption, you must request enrollment within 60 days after the birth, adoption, or placement for adoption. WOMEN S HEALTH AND CANCER RIGHTS ACT NOTICE (WHCRA) Regence BlueCross BlueShield of Utah and its subsidiaries are required by law to provide you with the following notice. This does not represent a change in your coverage. The Women s Health and Cancer Rights Act of 1998 (WHCRA) includes important protections for patients who elect breast reconstruction in connection with mastectomy. For an Insured who receives benefits in connection with a mastectomy and who elects breast reconstruction, coverage will be provided in a manner determined in consultation with the attending physician and the patient for: Reconstruction of the breast on which the mastectomy was performed; Surgery and reconstruction of the other breast to produce a symmetrical appearance; and Prostheses and treatment of physical complications at all stages of the mastectomy including lymphedemas. Benefits for the above services will be subject to the same subscriber cost sharing provisions (i.e., deductible, copayment and coinsurance) as may be deemed appropriate and as are consistent with those established for other covered services. Your plan is already in compliance with this mandate and provides coverage for this. Page 19

20 In Network Out of Network = Deductible Waived Single Calendar Year Deductible Applies to all covered expenses unless noted. Out of Pocket Maximum (OOPM) After you reach your Out of Pocket Max, the plan covers all expenses at 100% Member Coinsurance Coinsurance is the amount you pay after deductible (unless the deductible is waived) Preventive Care and Immunizations $5,000 $10,000 $6,250 $12,500 30% 50% You Pay: Medical Coverage You Pay: $0 50% Primary Care Visit 30% 50% Specialist Care Visit 30% 50% Urgent Care Visits 30% 50% Emergency Room Services 30% Maternity 30% 50% In Network Family Deducble = 2x Individual In Network Family OOPM = 2x Individual Prevenve services and Immunizations are covered according to guidelines set forth by the United States Preventive Services Task Force (USPSTF), Centers for Disease Control and Prevention (CDC) and Health Resources and Services Administration (HRSA). Standard plan benefits apply for any service that does not meet these guidelines. If you are experiencing an emergency medical condition, any hospital is considered "in network" Mental Health and Chemical Dependency Treatment 30% 50% Page 20

21 Oral Exams Cleanings Routine X Rays Sealants Dental Vision Individual Assistance Program (IAP) Pharmacy Coverage Tier 1 Tier 2 Tier 3 Tier 4 25% 35% 50% 40% Embedded Dental Coverage Pediatric Two per calendar year Two per calendar year Two per calendar year For permanent molars, once during a 5 year period through 17 years of age Accidental Death Benefit Insured Benefit Adult Policyholder $10,000 Covered Spouse or $10,000 Domestic Partner Covered $2,500 per child Dependent Child Optional Dental/Vision/IAP Rider $50 deductible per calendar year. Member coverage 100%/80%/50% Annual maximum is $750 per insured per calendar year. One routine eye exam per year. All prescription lens types and frames, $150 limit per year. Eight sessions at no cost share through the Reliant Behavioral Health Network Mail order available; various limits apply. Tier 1 = Cat 1. Generics Tier 2 = Cat 2. Generics & Cat. 1 Formulary Brand Tier 3 = Category 2 Formulary Brand Tier 4 = Specialty Medicaons Only applies if optional dental/vision/iap rider is purchased. This is an overview of benefits. Please refer to your contract for a complete list of benefits, covered services, limitations, and exclusions. Page 21