Standard BCN Summary of Benefits and Coverage

Transcription

1 Standard BCN Summary of Benefits and Coverage The Affordable Care Act requires the Health & Welfare Plan to communicate updates to regulations. The Affordable Care Act requires most people to have health care coverage that qualifies as minimum essential coverage". The medical plans under the Health & Welfare Benefit Plan do provide minimum essential coverage to colleagues and their eligible dependents. The Affordable Care Act also establishes a minimum value standard of benefits of a health plan. The minimum value standard is 60% (actuarial value). offers medical plans that meet the minimum value standard for the benefits it provides.

2 This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at or by calling Important Questions What is the overall deductible? Are there other deductibles for specific? 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? Answers $1000 member $2000 family BCN $3000 member $6000 family Deductible doesn t apply to lab, preventive care, urgent care No. $3000 member $6000 family BCN $6000 member $11000 family Premiums, balanced billed charges, health care this plan doesn t cover. No. Yes. For a list of network providers, see or call Why this Matters: You must pay all the costs up to the deductible amount before this plan begins to pay for you use. Check your policy or plan document to see when the deductible starts over (usually, but not always, January 1st). See the Common Medical Event chart starting on page 2 for how much you pay for after you meet the deductible. You don t have to meet deductibles for specific, but see the Common Medical Event chart starting on page 2 for other costs for this plan covers. The out-of-pocket limit is the most you could pay during a coverage period (usually one year) for your share of the cost of. This limit helps you plan for health care expenses. applicable because there s no out-of-pocket limit on your expenses. The chart on page 2 describes any limits on what the plan will pay for specific, 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. Be aware, your in-network doctor or hospital may use an out-of-network provider for some. Plans use the term in-network, preferred or participating for providers in their network. See the chart starting on page 2 for how this plan pays different kinds of providers. 1 of 9

3 Do I need a referral to see a specialist? Yes. Paper or electronic This plan will pay some or all of the costs to see a specialist for but only if you have the plan s permission before you see the specialist. Co-payments are fixed dollar amounts (for example, $15) you pay for health care, usually when you receive the service. Co-insurance is your share of the costs of a 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 co-insurance payment of 20% would be $200. This may change if you haven t met your deductible. The amount the plan pays for 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 charges $1,500 for an overnight stay and the allowed amount is $1,000, you may have to pay the $500 difference. (This is called balance billing.) This plan may encourage you to use Health providers by charging you lower deductibles, co-payments and co-insurance amounts. Are there this plan doesn t cover? Yes. Some of the this plan doesn t cover are listed on page 6. See your policy or plan document for additional information about excluded. Common Medical Event If you visit a health care provider s office or clinic Services You May Need Primary care visit to treat an injury or illness Specialist visit Your cost if you use Providers: $30 copay/visit BCN $45 copay/visit Out-of- Limitations & Exceptions None Deductible applies/requires referral/50% co-insurance after deductible for allergy /$5 copay per allergy injections Other practitioner office visit $45 copay/visit Requires referral/deductible applies If you have a test Preventive care/screening/immunization Diagnostic test (x-ray, blood work) No charge No charge None May require prior authorization Deductible applies to nonpreventive 2 of 9

4 Common Medical Event Services You May Need Imaging (CT/PET scans, MRIs) Your cost if you use Providers: BCN Out-of- Limitations & Exceptions May require prior authorization Deductible applies to nonpreventive If you need drugs to treat your illness or condition More information about prescription drug coverage is available at If you have outpatient surgery Tier 1-Formulary Preferred (Mostly Generic) Tier 2-Formulary Options (Brand) Tier 3-Non-Formulary Specialty drugs Facility fee (e.g., ambulatory surgery center) $8/30 days $10/30 days 20% co- 20% co- insurance insurance ($24 ($30 min/$64 max) min/$80 per 30 days * max) per 30 days* 40% co- 40% coinsurance ($48 insurance min/$80 max) ($60 per 30 days* min/$100 max) per 30 days* Tiered co-pays listed above apply $50 co-pay $100 co- 20% co- pay insurance Prior authorization and step therapy apply to select drugs; excludes contraceptives and drugs for sexual dysfunction. 90-day mail order available thru BCN. * Min and max amounts reduced 50% for formulary and nonformulary asthma and diabetic classes. Limited to 30-day supply Deductible applies/requires preauthorization/50% co-insurance for TMJ, orthognathic surgery, reduction mammoplasty, male mastectomy, infertility Physician/surgeon fees See Outpatient surgery facility fee 3 of 9

5 Common Medical Event Services You May Need Your cost if you use Providers: BCN Out-of- Limitations & Exceptions If you need immediate medical attention If you have a hospital stay Emergency room Emergency medical transportation Urgent care Facility fee (e.g., hospital room) $150 copay/visit $65 copay/visit $250 co-pay $150 copay/visit $65 copay/visit $500 copay $150 copay/visit 10% coinsurance $65 copay/visit Standard deductible applies/co-pay waived if admitted Standard deductible applies/excludes non-emergent transport None Requires prior authorization; Deductible applies; 50% coinsurance for TMJ, orthognathic surgery, reduction mammoplasty, male mastectomy, infertility Physician/surgeon fee No charge No charge See Hospital stay facility fee 4 of 9

6 Common Medical Event Services You May Need Your cost if you use Providers: BCN Out-of- Limitations & Exceptions Mental/Behavioral health outpatient $30 copay/visit Requires prior authorization Deductible applies If you have mental health, behavioral health, or substance abuse needs Mental/Behavioral health inpatient Substance use disorder outpatient $250 copay $30 copay/visit $500 copay Requires prior authorization Deductible applies Requires prior authorization Deductible applies Substance use disorder inpatient $250 co-pay $500 copay Requires prior authorization Deductible applies If you are pregnant Prenatal and postnatal care No charge No charge Delivery and all inpatient No charge No charge Specialist office visit copay applies to non routine pre and postnatal visits Deductible applies. See Hospital stay facility fee 5 of 9

7 Common Medical Event Services You May Need Your cost if you use Providers: BCN Out-of- Limitations & Exceptions Home health care Standard deductible applies/requires pre authorization Rehabilitation $45 copay/visit Requires prior authorization/deductible applies Limited to 60 consecutive days per calendar year for a combination of therapies If you need help recovering or have other special health needs Habilitation Skilled nursing care Durable medical equipment 50% coinsurance 50% coinsurance Standard deductible applies/requires pre authorization/limited to 45 days per calendar year combined and BCN Standard deductible applies; must be authorized and obtained from a BCN approved supplier. Hospice service No charge No charge Deductible applies/requires prior authorization for inpatient stay If your child needs dental or eye care Eye exam Glasses Dental check-up 6 of 9

8 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.) Habilitation Private-duty nursing Chiropractic care Hearing Aid Routine foot care Cosmetic surgery Long term care Weight loss programs Dental care Non emergency care outside of the U.S. Routine eye care Other Covered Services (This isn t a complete list. Check your policy or plan document for other and your costs for these.) Bariatric surgery Infertility Treatment Your Rights to Continue Coverage: If you lose coverage under the plan, then, depending upon the circumstances, Federal and State laws may provide protections that allow you to keep health coverage. Any such rights may be limited in duration and will require you to pay a premium, which may be significantly higher than the premium you pay while under the plan. Other limitation on your rights to continue coverage may apply. For more information on your rights to continue coverage, contact the plan at You may also contact your state insurance department, the U.S. Department of Labor, Employee Benefits Security Administration at or or the U.S Department of Health and Human Services at x61565 or Your Grievance and Appeals Rights: Translation available: To see examples of how this plan might cover costs for a sample medical situation, see the next page. 7 of 9

9 About these Coverage Examples: These examples show how this plan might cover medical care in given situations. Use these examples to see, in general, how much financial protection a sample patient might get if they are 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 Patient pays Sample care costs: Hospital charges (mother) $2,700 Routine obstetric care $2,100 Hospital charges (baby) $900 Anesthesia $900 Laboratory tests $500 Prescriptions $200 Radiology $200 Vaccines, other preventive $40 Total $7,540 Patient pays: Deductibles Co-pays Co-insurance Limits or exclusions Total Managing type 2 diabetes (routine maintenance of a well-controlled condition) Amount owed to providers: $5,400 Plan pays Patient pays Sample care costs: Prescriptions $2,9000 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 Co-pays Co-insurance Limits or exclusions Total If you are also by an account-type plan such as an integrated health reimbursement arrangement (HRA), and/or a health savings account (HSA), then you may have access to additional funds to help cover certain out-of-pocket expenses-like deductible, co-payments, or co-insurance or benefits not otherwise. 8 of 9

10 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 averages supplied by the U.S. Department of Health and Human Services, and aren t specific to a particular geographic area or health plan. The patient s condition was not an excluded or preexisting condition. All and treatments started and ended in the same coverage period. There are no other medical expenses for any member 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 higher. Coverage examples are calculated based on individual coverage. What does a Coverage Example show? For each treatment situation, the Coverage Example helps you see how deductibles, copayments, and co-insurance 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 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? No. Coverage 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 charge, and the reimbursement your health plan allows. Can I use Coverage Examples to compare plans? Yes. When you look at the Summary of Benefits and Coverage for other plans, you ll find the same Coverage Examples. When you compare plans, check the Patient Pays box in each example. The smaller that number, the more coverage 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-of- pocket costs, such as copayments, deductibles, and coinsurance. You should also consider contributions to accounts such as health savings accounts (HSAs), flexible spending arrangements (FSAs) or health reimbursement accounts (HRAs) that help you pay out-of-pocket expenses. Questions: Call or visit us at If you aren t clear about any of the bolded terms used in this form, see the Glossary. You can view the Glossary At or call to request a copy. 9 of 9