Classic Silver Plan Coverage Period: 01/01/ /31/2016 Summary of Benefit s and Coverage: What this Plan Covers & What it Costs

Transcription

1 This is only a summary. If you want more detail about coverage and costs, you can get the complete terms in the policy or plan document at or by calling OSCAR-55. Import ant Quest ions Answers Why t his Mat t ers: What is the overall deductible? Are there any other deductibles for specific services? Is there an out-of-pocket limit on my expenses? What is not included in the out-of-pocket limit? Is there an overall annual limit on what the plan pays? Does this plan use a network of providers? Do I need a referral to see a specialist? Are there services this plan doesn t cover? $2,500 person / $5,000 family No. Yes. $6,600 person / $13,200 family Premiums, Balance billed charg es, and healthcare this plan does not cover. No. Yes. See or call OSCAR- 55 for a list of In- Network providers. No. Yes. You must pay all the costs up to the deductible amount before this plan begins to pay for covered services you use. Check your policy or plan document to see when the deductible starts over (usually, but not always, January 1st). See the chart starting on page 2 for how much you pay for covered services after you meet the deductible. You don t have to meet deductibles for specific services, but see the chart starting on pag e 2 for other costs for services this plan offers. The out-of-pocket limit is the most you could pay during a coverag e period (usually one year) for your share of the cost of covered services. This limit helps you plan for health care expenses. Even thoug h you pay these expenses, they don t count toward the out-of-pocket limit. The chart starting on page 2 describes any limits on what the plan will pay for specific covered services, such as office visits. If you use an in-network doctor or other health care provider, this plan will pay some or all of the costs of covered services. Be aware, your in-network doctor or hospital may use an out-of-network provider for some services. Plans use the term in-network, preferred, or participating for providers in their network. See the chart starting on pag e 2 for how this plan pays different kinds of providers. You can see the specialist you choose without permission from this plan. Some of the services this plan doesn t cover are listed on page 5. See your policy or plan document for additional information about excluded services. at or call OSCAR-55 to request a copy. 1 of 9

2 Copayments are fixed dollar amounts (for example, $15) you pay for covered health care, usually when you receive the service. Coinsurance is your share of the costs of a covered service, calculated as a percent of the allowed amount for the service. For example, if the plan s allowed amount for an overnight hospital stay is $1,000, your coinsurance payment of 20% would be $200. This may chang e if you haven t met your deductible. The amount the plan pays for covered services is based on the allowed amount. If an out-of-network provider charges more than the allowed amount, you may have to pay the difference. For example, if an out-of-network hospital charg es $1,500 for an overnig ht stay and the allowed amount is $1,000, you may have to pay the $500 difference. (This is called balance billing.) The plan may encourag e you to use In-Network providers by charg ing you lower deductibles, copayments and coinsurance amounts. Common Medical Event If you visit a health care provider s office or clinic If you have a test Services You May Need Primary care visit to treat an injury or illness In-network Provider Out-of-net work Provider Limit at ions & Except ions $0 copay/visit Not subject to deductible. Specialist visit 50% coinsurance Subject to deductible. Other practitioner office visit 50% coinsurance Subject to deductible. Preventive care/screening/immunization Diag nostic test (x-ray, blood work) No Charg e 50% coinsurance (x-ray), No charge for labs at Quest Diag nostics Imag ing (CT/PET scans, MRIs) 50% coinsurance Not subject to deductible. Immunizations related to travel are subject to cost share. Subject to deductible. authorization may be required for imaging. at or call OSCAR-55 to request a copy. 2 of 9

3 Common Medical Event If you need drugs to treat your illness or condition More information about prescription drug coverage is available at If you have outpatient surgery If you need immediate medical attention Services You May Need Generic drug s Preferred brand drug s Non-preferred brand drug s In-network Provider $0 copay/prescription (retail), $0 copay/prescription (mail order) 50% coinsurance (retail/mail order) 50% coinsurance (retail/mail order) Out-of-net work Provider Specialty drug s 50% coinsurance (retail) Facility fee (e.g., ambulatory surg ery center) 50% coinsurance Physician/surg eon fees 50% coinsurance Emerg ency room services 50% coinsurance (ER Facility Fee/ER Physician Fee) 50% coinsurance (ER Facility Fee/ER Physician Fee) Limit at ions & Except ions Not subject to deductible. Covers up to 30 day supply at retail (90 days for maintenance) and up to 90 day supply for mail order (cost share applies per 30 day supply). Subject to deductible. Covers up to 30 day supply at retail (90 days for maintenance) and up to 90 day supply for mail order (cost share applies per 30 day supply). Subject to deductible. Covers up to 30 day supply at retail (90 days for maintenance) and up to 90 day supply for mail order (cost share applies per 30 day supply). Subject to deductible. Covers up to 30 day supply at retail (90 days for maintenance) and up to 90 day supply for mail order (cost share applies per 30 day supply). authorization may be required. authorization may be required. Subject to deductible. Emerg ency medical transportation 50% coinsurance 50% coinsurance Subject to deductible. Urg ent care 50% coinsurance 50% coinsurance Subject to deductible. at or call OSCAR-55 to request a copy. 3 of 9

4 Common Medical Event If you have a hospital stay If you have mental health, behavioral health, or substance abuse needs If you are pregnant Services You May Need In-network Provider Out-of-net work Provider Facility fee (e.g., hospital room) 50% coinsurance Physician/surg eon fees 50% coinsurance Mental/Behavioral health outpatient services Mental/Behavioral health inpatient services Substance use disorder outpatient services Substance use disorder inpatient services Limit at ions & Except ions authorization is required for elective admission. authorization is required for elective admission. $0 copay/visit Not subject to deductible. 50% coinsurance authorization may be required. $0 copay/visit Not subject to deductible. 50% coinsurance Prenatal and postnatal care No Charg e Delivery and all inpatient services 50% coinsurance (delivery/inpatient) authorization may be required. Office visits are covered in full, not subject to deductible. Subject to deductible. at or call OSCAR-55 to request a copy. 4 of 9

5 Common Medical Event If you need help recovering or have other special health needs If your child needs dental or eye care Services You May Need In-network Provider Out-of-net work Provider Limit at ions & Except ions Home health care 50% coinsurance Subject to deductible. Rehabilitation services 50% coinsurance Habilitation services 50% coinsurance Subject to deductible. Up to 30 visits per year. Subject to deductible. Up to 30 visits per year (limit does not apply to services for the treatment of Autism). Skilled nursing care 50% coinsurance Subject to deductible. Durable medical equipment 50% coinsurance Hospice service 50% coinsurance (outpatient) Eye exam 50% coinsurance Glasses 50% coinsurance authorization may be required for purchases > $500 and for rentals with an annualized cost > $500. Subject to deductible. Inpatient hospice care is subject to the inpatient hospital cost share. Subject to deductible. 1 exam in a 12 month period. Subject to deductible. 1 pair of g lasses or contact lenses in a 12 month period. Dental check-up none at or call OSCAR-55 to request a copy. 5 of 9

6 Excluded Services & Other Covered Services: Services Your Plan Does NOT Cover (This isn t a complete list. Check your policy or plan document for other excluded services.) Acupuncture Cosmetic services Dental care Infertility treatment (except for artificial insemination) Long-term care Non-emerg ency services outside of North America (except for full-time students enrolled at an accredited school) Routine eye care (Adult) Routine foot care Weight loss programs Other Covered Services (This isn t a complete list. Check your policy or plan document for other covered services and your costs for these services.) Abortion Bariatric surg ery Chiropractic care Hearing aids for members < 15 years old Private Duty Nursing (As part of home health care only) at or call OSCAR-55 to request a copy. 6 of 9

7 Your Rights to Continue Coverage: Federal and State laws may provide protections that allow you to keep this health insurance coverag e as long as you pay your premium. There are exceptions, however, such as if: You commit fraud The insurer stops offering services in the State You move outside the coverage area For more information on your rig hts to continue coverag e, contact the insurer at OSCAR-55. You may also contact your state insurance department at Your Grievance and Appeals Rights: If you have a complaint or are dissatisfied with a denial of coverage for claims under your plan, you may be able to appeal or file a grievance. For questions about your rig hts, this notice, or assistance, you can contact: Does this Coverage Provide Minimum Essential Coverage? The Affordable Care Act requires most people to have health care coverag e that qualifies as minimum essential coverag e. This plan or policy does provide minimum essential coverage. Does this Coverage Meet the Minimum Value Standard? The Affordable Care Act establishes a minimum value standard of benefits of a health plan. The minimum value standard is 60% (actuarial value). This health coverage does meet the minimum value standard for the benefits it provides. Language Access Services Spanish (Español): Para obtener asistencia en Español, llame al OSCAR-55. If you would like assistance in another lang uag e please call Oscar member services at OSCAR-55, which has access to third party translation services. To see examples of how this plan might cover costs for a sample medical situation, see the next page. at or call OSCAR-55 to request a copy. 7 of 9

8 About these Coverage Examples: These examples show how this plan mig ht cover medical care in g iven situations. Use these examples to see, in g eneral, how much financial protection a sample patient might get if they are covered under different plans. This is not a cost estimator. Don t use these examples to estimate your actual costs under this plan. The actual care you receive will be different from these examples, and the cost of that care will also be different. See the next page for important information about these examples. Having a baby (normal delivery) Amount owed to providers: $7,540 Plan pays: $2,999 Patient pays: $4,541 Sample Care Costs: Hospital charg es (mother) $2,700 Routine obstetric care $2,100 Hospital charg es (baby) $900 Anesthesia $900 Laboratory tests $500 Prescriptions $200 Radiolog y $200 Vaccines, other preventive $40 Total $7,540 Patient pays: Deductibles $2,500 Copays $0 Coinsurance $1,891 Limits or exclusions $150 Total $4,541 Managing type 2 diabetes (routine maintenance of a wellcontrolled condition) Amount owed to providers: $5,400 Plan pays: $2,277 Patient pays: $3,123 Sample Care Costs: Prescriptions $2,900 Medical Equipment and Supplies $1,300 Office Visits and Procedures $700 Education $300 Laboratory tests $100 Vaccines, other preventive $100 Total $5,400 Patient pays: Deductibles $2,500 Copays $0 Coinsurance $544 Limits or exclusions $79 Total $3,123 at or call OSCAR-55 to request a copy. 8 of 9

9 Questions and answers about the Coverage Examples: What are some of the assumptions behind the coverage examples? Costs don t include premiums. Sample care costs are based on national averag es supplied by the U.S. Department of Health and Human Services, and aren t specific to a particular g eog raphic area or health plan. The patient s condition was not an excluded or preexisting condition. All services and treatments started and ended in the same coverage period. There are no other medical expenses for any member covered under this plan. Out-of-pocket expenses are based only on treating the condition in the example. The patient received all care from innetwork providers. If the patient had received care from out-of-network providers, costs would have been hig her. What does a Coverage Example show? For each treatment situation, the Coverag e Example helps you see how deductibles, copayments, and coinsurance can add up. It also helps you see what expenses might be left up to you to pay because the service or treatment isn t covered or payment is limited. Does the Coverage Example predict my own care needs? No. Treatments shown are just examples. The care you would receive for this condition could be different based on your doctor s advice, your age, how serious your condition is, and many other factors. Does the Coverage Example predict my future expenses? Can I use Coverage Examples to compare plans? Yes. When you look at the Summary of Benefits and Coverag e for other plans, you ll find the same Coverag e Examples. When you compare plans, check the Patient Pays box in each example. The smaller that number, the more coverag e the plan provides. Are there other costs I should consider when comparing plans? Yes. An important cost is the premium you pay. Generally, the lower your premium, the more you ll pay in out-ofpocket costs, such as copayments, deductibles, and coinsurance. You should also consider contributions to accounts such as health saving s accounts (HSAs), flexible spending arrang ements (FSAs) or health reimbursement accounts (HRAs) that help you pay outof-pocket expenses. No. Coverag e Examples are not cost estimators. You can t use the examples to estimate costs for an actual condition. They are for comparative purposes only. Your own costs will be different depending on the care you receive, the prices your providers charg e, and the reimbursement your health plan allows. at or call OSCAR-55 to request a copy. 9 of 9