RIDER TO MODIFY BLUE CROSS BLUE SHIELD OF ARIZONA GROUP BLUEPREFERRED COPAY BENEFIT BOOKS

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1 RIDER TO MODIFY BLUE CROSS BLUE SHIELD OF ARIZONA GROUP BLUEPREFERRED COPAY BENEFIT BOOKS This Rider modifies the benefit book sections listed below. The sections of this Rider appear in the same order as the corresponding sections in your benefit book. The following sections of this Rider are effective on August 1, I. DESCRIPTION OF BENEFITS A. Under section B. Behavioral and Mental Health Services (including chemical dependency or substance abuse treatment), subsection B.2 Behavioral and Mental Health Services (Outpatient Facility and Professional Services), the paragraph labeled Precertification is deleted and replaced with the following paragraph: Precertification: Not required. B. Under section B. Behavioral and Mental Health Services (including chemical dependency or substance abuse treatment), subsection B.2 Behavioral and Mental Health Services (Outpatient Facility and Professional Services), under the heading Your Cost-Share, the paragraph labeled Non-BSA (In-Network) is deleted and replaced with the following: Non-BSA (In-Network): You pay one copay per member, per provider, per day for services provided during an office, home, or walk-in clinic visit. The amount of your copay will vary depending on the type of provider you see during the visit. You pay deductible and in-network coinsurance for all other outpatient services delivered in locations other than the provider s office, the member s home, or a walk-in clinic. C. Under section B. Behavioral and Mental Health Services (including chemical dependency or substance abuse treatment), subsection B.2 Behavioral and Mental Health Services (Outpatient Facility and Professional Services), the following sentence is added to the paragraph labeled Benefit Description : Intensive outpatient services, ECT and partial hospitalization services are not available through the BSA. D. Under section B. Behavioral and Mental Health Services (including chemical dependency or substance abuse treatment), subsection B.3 Behavioral Therapy Services For The Treatment of Autism Spectrum Disorder, under the heading Your Cost-Share, the paragraph labeled Non-BSA (In-Network) is deleted and replaced with the following: Non-BSA (In-Network): You pay one copay per member, per provider, per day for behavioral therapy services provided during an office, home, or walk-in clinic visit. The amount of your copay will vary depending on the type of provider you see during the visit. You pay deductible and in-network coinsurance for all other behavioral therapy services delivered in locations other than the provider s office, the member s home, or a walk-in clinic. E. Under section H. Durable Medical Equipment (DME), Medical Supplies and Prosthetic Appliances and Orthotics, subsection 3. Prosthetic Appliances and Orthotics, the following language is added to the bulleted list under the heading Benefit Description : Cochlear implants F. Under section CC. Preventive Services, the bulleted phrase under the heading Benefit Description reading Screening sigmoidoscopy or colonoscopy is deleted and replaced with the following : Screening sigmoidoscopy and colonoscopy, including related anesthesia services and prescription prep kits II. WHAT IS NOT COVERED A. Under the heading NOTWITHSTANDING ANY OTHER PROVISION IN THIS PLAN, NO BENEFITS WILL BE PAID FOR EXPENSES ASSOCIATED WITH THE FOLLOWING, the exclusion labeled Hearing Services and Devices is deleted and replaced with the following: 1

2 Hearing Aids and Associated Services Hearing aids, including external, semi-implantable middle ear and implantable bone conduction hearing aids, and any associated services. Hearing screenings are covered as part of a preventive physical exam. The following sections of this Rider are effective on January 1, III. DEFINITIONS A. The following definition is added to the list of definitions: Cancer Treatment Medications means prescription drugs and biologicals that are used to kill, slow or prevent the growth of cancerous cells. IV. DESCRIPTION OF BENEFITS A. Under section M. Home Health and Home Infusion Medication Administration Therapy, the following is added as the second paragraph under the subheading Your Cost-Share : If you believe you have paid more for a self-administered version of a Cancer Treatment Medication than for an injected or intravenously administered version of a Cancer Treatment Medication, please contact the Pharmacy Benefit customer service number listed in the front of this benefit book. B. Under section BB. Prescription Medications Obtained from a Retail or Mail Order Pharmacy, the following is added as the fifth paragraph under the subheading Your Cost-Share : If you believe you have paid more for a self-administered version of a Cancer Treatment Medication than for an injected or intravenously administered version of a Cancer Treatment Medication, please contact the Pharmacy Benefit customer service number listed in the front of this benefit book. C. Under section BB. Prescription Medications Obtained from a Retail or Mail Order Pharmacy, the second paragraph under the subheading Benefit Description is deleted and replaced with the following two paragraphs: You may obtain most prescription medications from retail pharmacies or the in-network mail order pharmacy. Compound medications must be obtained from pharmacies that have been credentialed by BCBSAZ to dispense compound medications. Please call Pharmacy Benefit Customer Service at the number listed in the Customer Service section of this benefit book for a list of pharmacies credentialed to dispense compound medications. Certain vaccines are covered when obtained from in-network retail pharmacies and administered by a certified, licensed pharmacist. D. Under Section BB. Prescription Medications Obtained from a Retail or Mail Order Pharmacy, the following is added as the final paragraph under the subheading Benefit Description : If you are currently obtaining a Specialty Self-Injectable Medication from a Specialty Pharmacy and need to receive that medication from a retail pharmacy instead, please contact the Pharmacy Benefit customer service number listed in the front of this benefit book. BCBSAZ will decide whether you are eligible to receive the Specialty Self-Injectable Medication from a retail pharmacy instead of a Specialty Pharmacy. E. Under section FF. Specialty Self-Injectable Medications, the first paragraph under the subheading Your Cost-Share is deleted and replaced with the following: You pay a Level A, B, C or D copay for most medications. For Cancer Treatment Medications that are also classified as Specialty Self-Injectable Medications, you pay the Level 1 retail/mail order pharmacy copay. BCBSAZ determines which Cancer Treatment Medications are classified as Specialty Self-Injectable Medications. Copays do not apply to deductibles or out-of-pocket coinsurance maximums. F. Under section FF. Specialty Self-Injectable Medications, the following is added as the third paragraph under the subheading Your Cost-Share : 2

3 If you believe you have paid more for a self-administered version of a Cancer Treatment Medication than for an injected or intravenously administered version of a Cancer Treatment Medication, please contact the Pharmacy Benefit customer service number listed in the front of this benefit book. G. Under section FF. Specialty Self-Injectable Medications, the following is added as the third paragraph under the subheading Benefit Description : If you are currently obtaining a Specialty Self-Injectable Medication from a Specialty Pharmacy and need to receive that medication from a retail pharmacy instead, please contact the Pharmacy Benefit customer service number listed in the front of this benefit book. BCBSAZ will decide whether you are eligible to receive the Specialty Self-Injectable Medication from a retail pharmacy instead of a Specialty Pharmacy. The following sections of this Rider are effective on your group s renewal date on or after January 1, V. PROVIDERS A. The sections labeled Out-of-Area Services, BlueCard Program, and BlueCard Outside the United States (BlueCard Worldwide) are deleted and replaced with the following: Out-of-Area Services Overview BCBSAZ has a variety of relationships with other Blue Cross and/or Blue Shield Licensees. Generally, these relationships are called Inter-Plan Arrangements. These Inter-Plan Arrangements work based on rules and procedures issued by the Blue Cross Blue Shield Association ( Association ). Whenever you access healthcare services outside the geographic area BCBSAZ serves, the claim for those services may be processed through one of these Inter-Plan Arrangements. The Inter-Plan Arrangements are described below. When you receive care outside of BCBSAZ s service area, you will receive it from one of two kinds of providers. Most providers ( participating providers ) contract with the local Blue Cross and/or Blue Shield Plan in that geographic area ( Host Blue ). Some providers ( nonparticipating providers ) don t contract with the Host Blue. We explain below how BCBSAZ pays both kinds of providers. Inter-Plan Arrangements Eligibility Claim Types All claim types are eligible to be processed through Inter-Plan Arrangements, as described above, except for all dental care benefits (except when paid as medical claims/benefits), and those prescription drug benefits or vision care benefits that may be administered by a third party contracted by BCBSAZ to provide the specific service or services. BlueCard Program Under the BlueCard Program, when you receive Covered Services within the geographic area served by a Host Blue, BCBSAZ will remain responsible for doing what we agreed to in the contract. However, the Host Blue is responsible for contracting with and generally handling all interactions with its participating providers. When you receive Covered Services outside BCBSAZ s 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 charges for Covered Services; or The negotiated price that the Host Blue makes available to BCBSAZ. Often, this negotiated price will be a simple discount that reflects an actual price that the Host Blue pays to your healthcare provider. Sometimes, it is an estimated price that takes into account special arrangements with your healthcare 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 healthcare providers after taking into account the same types of transactions as with an estimated price. 3

4 Estimated pricing and average pricing also take into account adjustments to correct for over- or underestimation of past pricing of claims, as noted above. However, such adjustments will not affect the price BCBSAZ has used for your claim because they will not be applied after a claim has already been paid. Special Cases: Value-Based Programs BlueCard Program If you receive Covered Services under a Value-Based Program inside a Host Blue s service area, you will not be responsible for paying the provider for any of the provider incentives, risk-sharing, and/or care coordinator fees that are a part of such an arrangement, except when a Host Blue passes these fees to BCBSAZ through average pricing or fee schedule adjustments. Additional information is available upon request. Provider incentives, risk-sharing and care coordinator fees are incorporated into the premium and/or contribution percentage members pay for coverage. Inter-Plan Programs: Federal/State Taxes/Surcharges/Fees Federal or state laws or regulations may require a surcharge, tax or other fee that applies to insured and/or self-funded accounts. If applicable, BCBSAZ will include any such surcharge, tax or other fee as part of the claim charge passed on to you. Nonparticipating Providers Outside BCBSAZ s Service Area 1. Liability Calculation When Covered Services are provided outside of BCBSAZ s service area by nonparticipating providers, the amount you pay for such services will normally 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 responsible for the difference between the amount that the nonparticipating provider bills and the payment BCBSAZ will make for the Covered Services as set forth in this paragraph. Federal or state law, as applicable, will govern payments for out-of- network emergency services. 2. Exceptions In certain situations, BCBSAZ may use other payment methods, such as billed charges for Covered Services, the payment we would make if the healthcare services had been obtained within our service area, or a special negotiated payment to determine the amount BCBSAZ will pay for services provided by nonparticipating providers. In these situations, you may be liable for the difference between the amount that the nonparticipating provider bills and the payment BCBSAZ will make for the Covered Services as set forth in this paragraph. BlueCard Worldwide Program If you are outside the United States (hereinafter BlueCard service area ), you may be able to take advantage of the BlueCard Worldwide Program when accessing Covered Services. The BlueCard Worldwide Program is unlike the BlueCard Program available in the BlueCard service area in certain ways. For instance, although the BlueCard Worldwide Program assists you with accessing a network of inpatient, outpatient and professional providers, the network is not served by a Host Blue. As such, when you receive care from providers outside the BlueCard service area, you will typically have to pay the providers and submit the claims yourself to obtain reimbursement for these services. If you need medical assistance services (including locating a doctor or hospital) outside the BlueCard service area, you should call the BlueCard Worldwide Service Center at BLUE (2583) or call collect at , 24 hours a day, seven days a week. An assistance coordinator, working with a medical professional, can arrange a physician appointment or hospitalization, if necessary. Inpatient Services In most cases, if you contact the BlueCard Worldwide Service Center for assistance, hospitals will not require you to pay for covered inpatient services, except for your cost-share amounts. In such cases, the hospital will submit your claims to the BlueCard Worldwide Service Center to begin claims 4

5 processing. However, if you paid in full at the time of service, you must submit a claim to receive reimbursement for Covered Services. You must contact BCBSAZ to obtain precertification for non-emergency inpatient services. Outpatient Services Physicians, urgent care centers and other outpatient providers located outside the BlueCard service area will typically require you to pay in full at the time of service. You must submit a claim to obtain reimbursement for Covered Services. Submitting a BlueCard Worldwide Claim When you pay for Covered Services outside the BlueCard service area, you must submit a claim to obtain reimbursement. For institutional and professional claims, you should complete a BlueCard Worldwide International claim form and send the claim form with the provider s itemized bill(s) to the BlueCard Worldwide Service Center (the address is on the form) to initiate claims processing. Following the instructions on the claim form will help ensure timely processing of your claim. The claim form is available from BCBSAZ, the BlueCard Worldwide Service Center or online at If you need assistance with your claim submission, you should call the BlueCard Worldwide Service Center at BLUE (2583) or call collect at , 24 hours a day, seven days a week. VI. DESCRIPTION OF BENEFITS A. Under section E. Cataract Surgery, under the subheading Your Cost-Share, the following sentence is deleted: In addition, you pay any amounts above the $250 maximum per member, per six (6) month period, for eyeglasses. B. Under section E. Cataract Surgery, under the subheading Benefit Description, the following sentence is deleted: Benefits for eyeglasses are limited to a $250 maximum per member, per six (6) month period. C. Under section I. Education and Training, in subsection I.2. labeled Nutritional Counseling and Training, under the subhead Benefit Description, the following bullet is added to the list: Eating disorders D. Under section V. Outpatient Services, the following is added as the last sentence under the subheading Your Cost-Share : Deductible is waived for diagnostic mammography services received from an in-network provider. VII. WHAT IS NOT COVERED A. Under the heading NOTWITHSTANDING ANY OTHER PROVISION IN THIS PLAN, NO BENEFITS WILL BE PAID FOR EXPENSES ASSOCIATED WITH THE FOLLOWING, The following exclusion is added to this section: Reversal of Transgender Surgery The exclusion for Transsexual Treatment, Surgery, Medications and Related Services, is deleted and replaced with the following: Transgender Treatment, Surgery, Medications and Related Services 5

6 The exclusion for Workers Compensation, is deleted and replaced with the following: Workers Compensation - Services to treat illnesses and injuries which are (1) covered by Workers Compensation; and (2) expressly identified as workers compensation claims when submitted to BCBSAZ. This exclusion does not apply if the member has made a statutory opt-out election and/or is exempt from Workers Compensation coverage. Richard L. Boals, President and CEO Blue Cross and Blue Shield of Arizona R /15 BluePreferred Copay