Coverage for:employee Only/Employee + Spouse/ Employee + Child(ren)/Family Plan type PPO

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1 Summary of Benefits and Coverage: What this Plan Covers & What you Pay For Covered Services Coverage Period:1/1/ /31/2019 IU Health Plans: Gold 2500 Plus The Summary of Benefits and Coverage (SBC) document will help you choose a health plan. The SBC shows you how you and the plan would share the cost for covered health care services. NOTE: Information about the cost of this plan (called the premium) will be provided separately. This is only a summary. For more information about your coverage, or to get a copy of the complete terms of coverage, visit iuhealthplans.org or call For general definitions of common terms, such as allowed amount, balance billing, coinsurance, copayment, deductible, provider, or other underlined terms see the Glossary. You can view the Glossary at or call to request a copy. Important Questions Answers Why this Matters: Generally, you must pay all of the costs from providers up to the deductible amount before this plan What is the overall Tier 1: $2,500 Individual/$5,000 family begins to pay. If you have other family members on the plan, each family member must meet their Tier 2: $5,000 Individual/$10,000 family. deductible? own individual deductible until the total amount of deductible expenses paid by all family members meets the overall family deductible. Are there services covered before you meet your deductible? Are there other deductibles for specific services? Yes, Preventive Care is covered before you meet your deductible No Coverage for:employee Only/Employee + Spouse/ Employee + Child(ren)/Family Plan type PPO This plan covers some items and services even if you haven't yet met the deductible amount. But a copayment or coinsurance may apply. For example, this plan covers certain preventive services without cost-sharing and before you meet you deductible. See a list of covered preventive services at You don t have to meet the deductibles for specific services What is the out-of-pocket limit for this plan? What is not included in the out of pocket limit? Will you pay less if you use a network provider? Do you need a referral to see a specialist? Tier I: $3,500 individual /$7,000 family Tier 2: $7,050 Individual/$14,100 family Premiums, balance-billed charges, and outof-network services this plan doesn t cover. Yes. See iuhealthplans.org or call for a list of network providers. No The out-of-pocket limit is the most you could pay in a year for covered services. If you have other family members in this plan, they have to meet their own out-of-pocket limits until the overall family out-of-pocket limit has been met. Even though you pay these expenses, they don t count toward the out-of-pocket limit. You pay the least if you use a provider in Tier I. You pay more if you use a provider in Tier II. You will pay the most if you use an out-of-network provider, and you might receive a bill from a provider for the difference between the provider's charge and what your plan pays (balance billing). Be aware that your network provider might use an out-of-network provider for some services (such as lab work). Check with your provider before you get services. You can see the specialist you choose without a referral. * For more information about limitations and exceptions, see the plan or policy document at iuhealthplans.org Page 1 of 9

2 All copayment and coinsurance costs shown in this chart are after your deductible has been met, if a deductible applies Common Medical Event Services You May Need Network Provider (You will pay the least) What You Will Pay Out-of-Network Provider (You will pay the most) Limitations, Exceptions, & Other Important Information If you visit a health care provider s office or clinic Primary Care Visit to treat an injury or illness Specialist Visit Tier 1: $25 Copayment Tier 1: $50 Copayment Coinsurance subject to Deductible Coinsurance subject to Deductible Preventive care/ screening/ immunization No Charge If you have a test Diagnostic Test (x-ray, blood work) Imaging (CT/PET scans, MRIs) To determine if a service requires authorization, go to iuhealthplans.org Prior approval required If you need drugs to treat your illness or condition Preventative; Preferred/Non Preferred Generic Drugs Preventive -No Charge Preferred - $5 (30 day ) / $12.50 (90 day ) Copayment per prescription order. Nonpreferred - $15 (30 day) / $37.50( 90 day) Copayment per prescription order. More information about prescription drug coverage is available at iuhealthplans.org Preferred Brand Drugs Non-Preferred Brand Drugs Specialty Drugs $35(30 day) / $87.50(90 day) Copayment per prescription order $70(30 day) / $175(90 day) Copayment per prescription order 35% Coinsurance to max. of $350 per prescription order(30 day) and Not Covered (90 day) * For more information about limitations and exceptions, see the plan or policy document at iuhealthplans.org Page 2 of 9

3 Common Medical Event If you have outpatient surgery Services You May Need Facility Fee (e.g., Ambulatory Surgery Center) Physician/Surgeon Fees Network Provider (You will pay the least) What You Will Pay Out-of-Network Provider (You will pay the most) Limitations Exceptions, & Other Important Information If you need immediate medical attention Emergency Room Care Emergency Medical Transportation $300 Copayment 10% Coinsurance $300 Copayment 10% Coinsurance Subject to Deductible after Copayment. (waived if admitted) Urgent Care $50 Copayment $50 Copayment If you have a hospital stay Facility Fee (e.g., Hospital Room) Physician/Surgeon Fee If you need mental health, behavioral health, or substance abuse services If you are pregnant Outpatient services Inpatient services Office Visits Childbirth/delivery professional services Childbirth/delivery facility services Tier 1: $25 Copayment Tier 1: $25 Copayment Coinsurance subject to Deductible Coinsurance subject to Deductible * For more information about limitations and exceptions, see the plan or policy document at iuhealthplans.org Page 3 of 9

4 Common Medical Event If you need help recovering or have other special health needs If your child needs dental or eye care (under the age of 19) Services You May Need Home Health Care Rehabilitation Services Habilitation Services Network Provider (You will pay the least) What You Will Pay Out-of-Network Provider (You will pay the most) Limitations, Exceptions, & Other Important Information Subject to Deductible and Coinsurance, Limited to a maximum of 100 visits Per Enrollee Per Year Cardiac-Limited to a maximum of 36 visits per Enrollee Per Year. Pulmonary-Limited to max of 20 visits Per Enrollee Per Year Prior approval required after limits have been met. Quantitative limit units apply, see EHB benchmark. Limited to a maximum of 90 days Per Enrollee Per Year Skilled Nursing Care Durable Medical Equipment Hospice Services Children's eye exam No Charge Limited to 1 exam Per Enrollee Per Year Children's glasses/ Limited to 1 set of Lenses/Frames Per Enrollee Per Year No Charge Contacts Contacts-Includes materials only, covered once Per Enrollee Per Year in lieu of eyeglasses. Children's Dental Excluded Services & Other Covered Services: Services Your Plan Generally Does NOT Cover (Check you policy or plan document for more information and a list of any other excluded services.) Acupuncture Impacted Teeth Non-emergency care when traveling outside the US Bariatric Surgery Infertility Treatment Routine Eye Care(Adult) Cosmetic Surgery Routine Foot Care Dental Care(Adult and pediatric) Weight Loss Programs Other Covered Services (Limitations may apply to these services. This isn't a complete list. Please see your plan document.) Chiropractic Care Private-Duty Nursing * For more information about limitations and exceptions, see the plan or policy document at iuhealthplans.org Page 4 of 9

5 Your Rights to Continue Coverage: There are agencies that can help if you want to continue your coverage after it ends. The contact information for those agencies is: the insurer at You may also contact your state insurance department at: 311 W. Washington St., Suite 300, Indianapolis, IN 46204, Phone No. (317) Other coverage options may be available to you too, including buying individual insurance coverage through the Health Insurance Marketplace. For more information about the Marketplace, visit or call Your Grievance and Appeals Rights: There are agencies that can help if you have a complaint against your plan for a denial of a claim. This complaint is called a grievance or appeal. For more information about your rights, look at the explanation of benefits you will receive for that medical claim. Your plan documents also provide complete information to submit a claim, appeal, or a grievance for any reason to your plan. For more information about your rights, this notice, or assistance, contact: Indiana University Health Plans ATTN: Grievances, 950 N Meridian St, Suite 400, Indianapolis, IN 46204, (866) , TTY: (800) Does this plan provide Minimum Essential Coverage? Yes If you don t have Minimum Essential Coverage for a month, you ll have to make a payment when you file your tax return unless you qualify for an exemption from the requirement that you have health coverage for that month. Does this plan meet the Minimum Value Standards? Yes If your plan doesn t meet the Minimum Value Standards, you may be eligible for a premium tax credit to help you pay for a plan through the Marketplace. Language Access Services: Spanish (Español): Para obtener asistencia en Español, llame al Tagalog (Tagalog): Kung kailangan ninyo ang tulong sa Tagalog tumawag sa Chinese ( 中文 ): 如果需要中文的帮助, 请拨打这个号码 Navajo (Dine): Dinek'ehgo shika at'ohwol ninisingo, kwiijigo holne' To see examples of how this plan might cover costs for a sample medical situation, see the next section. * For more information about limitations and exceptions, see the plan or policy document at iuhealthplans.org Page 5 of 9

6 About these Coverage Examples: This is not a cost estimator. Treatments shown are just examples of how this plan might cover medical care. Your actual costs will be different depending on the actual care you receive, the prices your providers charge, and many other factors. Focus on the cost sharing amounts (deductible, copayments, and coinsurance) and excluded services under the plan. Use this information to compare the portion of costs you might pay under different health plans. Please note these coverage examples are based on self-only coverage. Peg is Having a Baby Managing Joe s type 2 Diabetes Mia s Simple Fracture (9 months of in-network pre-natal care and (a year of routine in-network care of a wellcontrolled (in-network emergency room visit and a hospital delivery) condition) follow up care) The plan s overall deductible $2,500 The plan s overall deductible $2,500 The plan s overall deductible $2,500 Specialist Copay $50 Specialist Copay $50 Specialist Copay $50 Hospital (facility) coinsurance 10% Hospital (facility) coinsurance 10% Hospital (facility) coinsurance 10% Other coinsurance 10% Other coinsurance 10% Other coinsurance 10% This EXAMPLE event includes services like: This EXAMPLE event includes services like: This EXAMPLE event includes services like: Specialist office visits (prenatal care) Primary care physician office visits (including Emergency room care (including medical Childbirth/Delivery Professional Services disease education) supplies) Childbirth/Delivery Facility Services Diagnostic tests (blood work) Diagnostic test (x-ray) Diagnostic tests (ultrasounds and blood work) Prescription drugs Durable medical equipment (crutches ) Specialist visit (anesthesia) Durable medical equipment (glucose meter) Rehabilitation services (physical therapy) Total Example Cost $12,731 Total Example Cost $7,389 Total Example Cost $1,925 In this example, Peg would pay: In this example, Joe would pay: In this example, Mia would pay: Cost Sharing Cost Sharing Cost Sharing Deductibles $2,500 Deductibles $1,675 Deductibles $1,469 Copayments $0 Copayments $1,275 Copayments $150 Coinsurance $1,000 Coinsurance $186 Coinsurance $163 What isn't covered What isn't covered What isn't covered Limits or exclusions $60 Limits or exclusions $55 Limits or exclusions $0 The total Peg would pay is $3,560 The total Joe would pay is $3,191 The total Mia would pay is $1,782 The plan would be responsible for the other costs of these EXAMPLE covered services. * For more information about limitations and exceptions, see the plan or policy document at iuhealthplans.org Page 6 of 9

7 Discrimination is Against the Law Indiana University Health Plans complies with applicable Federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability, or sex. Indiana University Health Plans does not exclude people or treat them differently because of race, color, national origin, age, disability, or sex. Indiana University Health Plans: Provides free aids and services to people with disabilities to communicate effectively with us, such as: o Qualified sign language interpreters o Written information in other formats (large print, audio, accessible electronic formats, other formats) Provides free language services to people whose primary language is not English, such as: o Qualified interpreters o Information written in other languages If you need these services, contact Allison Shelton. If you believe that Indiana University Health Plans has failed to provide these services or discriminated in another way on the basis of race, color, national origin, age, disability, or sex, you can file a grievance with: Allison Shelton, Civil Rights Coordinator, Indiana University Health Plans, 950 N Meridian St, Suite 400, Indianapolis, IN 46204, (317) , TTY: (800) , Fax (317) , ashelton@iuhealth.org. You can file a grievance in person or by mail, fax, or . If you need help filing a grievance, Allison Shelton, Civil Rights Coordinator is available to help you. You can also file a civil rights complaint with the U.S. Department of Health and Human Services, Office for Civil Rights, electronically through the Office for Civil Rights Complaint Portal, available at or by mail or phone at: U.S. Department of Health and Human Services 200 Independence Avenue, SW Room 509F, HHH Building Washington, D.C , (TDD) Complaint forms are available at * For more information about limitations and exceptions, see the plan or policy document at iuhealthplans.org Page 7 of 9

8 Language Assistance Services English: ATTENTION: Our Member Services department has free language interpreter services available for non-english speakers. Call (TTY: ) Spanish: ATENCIÓN: si habla español, tiene a su disposición servicios gratuitos de asistencia lingüística. Llame al (TTY: ). Chinese: 注意 : 如果您使用繁體中文, 您可以免費獲得語言援助服務 請致電 (TTY: ) Burmese: Tagalog: PAUNAWA: Kung nagsasalita ka ng Tagalog, maaari kang gumamit ng mga serbisyo ng tulong sa wika nang walang bayad. Tumawag sa (TTY: ). French: ATTENTION : Si vous parlez français, des services d'aide linguistique vous sont proposés gratuitement. Appelez le (ATS : ). Vietnamese: CHÚ Ý: Nếu bạn nói Tiếng Việt, có các dịch vụ hỗ trợ ngôn ngữ miễn phí dành cho bạn. Gọi số (TTY: ). German: ACHTUNG: Wenn Sie Deutsch sprechen, stehen Ihnen kostenlos sprachliche Hilfsdienstleistungen zur Verfügung. Rufnummer: (TTY: ). Korean: 주의 : 한국어를사용하시는경우, 언어지원서비스를무료로이용하실수있습니다 (TTY: ) 번으로전화해주십시오. * For more information about limitations and exceptions, see the plan or policy document at iuhealthplans.org Page 8 of 9

9 Russian: ВНИМАНИЕ: Если вы говорите на русском языке, то вам доступны бесплатные услуги перевода. Звоните (телетайп: ). Arabic: Hindi: धय न द : यदद आप द द ब लत त आपक ललए म कर त म भ ष स यत स व ए उपलबध (TTY: ) पर क ल Pennsylvania Dutch: Wann du [Deitsch (Pennsylvania German / Dutch)] schwetzscht, kannscht du mitaus Koschte ebber gricke, ass dihr helft mit die englisch Schprooch. Ruf selli Nummer uff: Call TDD/TTY uffrufe. Dutch: Als u nederlands spreekt, kunt u gratis gebruikmaken van de taalkundige diensten. Bel (TDD/TTY ). Punjabi: ਧਆਨ ਓ: ਜ ਤ ਸ ਪ ਜ ਬ ਬ ਲ ਹ, ਤ ਭ ਸ਼ ਧਵ ਚ ਸਹ ਇਤ ਸ ਵ ਤ ਹ ਡ ਲਈ ਮ ਫਤ ਉਪ ਲਬ ਹ (TTY: ) 'ਤ ਕ ਲ ਕਰ Japanese: 注意事項 : 日本語を話される場合 無料の言語支援をご利用いただけます (TTY: ) まで お電話にてご連絡ください * For more information about limitations and exceptions, see the plan or policy document at iuhealthplans.org Page 9 of 9