2018 Medical Plan Comparison Chart

Transcription

1 2018 Medical Plan Comparison Chart USC TROJAN CARE EPO USC Custom TIER 1: Keck Medicine TIER 2: Anthem TIER 3: Out-of-network TIER 1: USC Custom TIER 2: Anthem Is a referral required to see a specialist? No No Yes Yes Medical Deductibles Individual $100 $100 $250 $600 $0 $300 $0 Family (3+ members) $300 $300 $750 $1,800 $0 $900 $0 Tier 1 2 s cross accumulate (count toward one another) Medical Out-of-Pocket Maximum Employee Only $1,000 $1,500 $2,500 $12,500 $1,500 $2,500 $3,000 Employee Plus Adult $2,000 $3,000 Employee Plus Child $5,000 $25,000 $3,000 $5,000 $6,000 Employee Plus Children $3,000 $4,500 $37,500 $4,500 $9,000 Employee Plus Family $3,000 $4,500 $37,500 $4,500 $9,000 Prescription Out-of-Pocket Maximum Employee Only $2,000 $4,850 No Out-of-Pocket Max Combined with Medical Combined with Medical Employee Plus Adult/ Child(ren)/Family $4,000 $7,200 (two or more people) No Out-of-Pocket Max 1 This is a summary only and does not include all the details, exclusions, or limitations about covered services. For more details about coverage or costs, contact the HR Service Center at uschr@usc.edu or (213)

2 USC TROJAN CARE EPO USC Custom TIER 1: Keck Medicine TIER 2: Anthem TIER 3: Out-of-network TIER 1: USC Custom TIER 2: Anthem Medical s PCP office visit (including maternity) SCP office visit member pays $20 copay ($10 copay with designated PCP) member pays $20 $20 $20 $30 $30 UCR* after / $20 $20 $40 $40 $30 $40 Preventive care UCR* after / Urgent care centers Member pays $35 Not Available Member pays $35 UCR* after / Member pays $30 Member pays $50 Member pays $30 Emergency care (waived if admitted) Member pays $150 copay Member pays $200 copay (only at USC Verdugo Hills Hospital) Member pays $200 copay Member pays $200 copay and any charges above 100% of UCR*; plan pays 100% of UCR Member pays $150 copay Member pays $150 copay Member pays $100 copay plus 10% of cost Prescription Cost Sharing Generic $5 copay $10 copay If filled at a non- pharmacy, the Brand (no generic available) Brand (generic available) $25 Copay 20% of cost, with a minimum $30 copay; $125 max copay $70 Copay 50% of cost, with a minimum $50 copay; no max copay Specialty drug $125 Copay Generic - $10 Copay Brand - 20% of cost, with a minimum $30 copay; $125 max copay Plan will reimburse you 50% of the Plan s CVS Caremark contracted rate (not of cost); Reimbursement request must be received within 60 days of fill $10 copay $10 copay after $25 Brand/formulary: 20% of cost, with a minimum $30 copay; $125 max copay Brand/non-formulary: 45% of cost (min $50, max $250) Same as above, except Self Administered injectable drugs $200 (does not apply to insulin) $25 copay after $25 $40 copay after $25 20% of cost (maximum $100) after $25 2 This is a summary only and does not include all the details, exclusions, or limitations about covered services. For more details about coverage or costs, contact the HR Service Center at uschr@usc.edu or (213)

3 USC TROJAN CARE EPO USC Custom TIER 1: Keck Medicine TIER 2: Anthem TIER 3: Out-of-network TIER 1: USC Custom TIER 2: Anthem Ambulance Emergency ground transportation (nonemergency transport requires prior authorization) Not available after pays 20% after of Inpatient Hospital Services (all hospital s are subject to prior authorization) Facility member pays $100 (not subject to ) Maternity delivery only at USC Verdugo Hills Hospital $300 Maternity delivery: $100 copay / only at Good Samaritan Hospital when delivery is done by a USC Care Medical Group Obstetrician UCR* after $600. Member pays $600 plus balance $250 Surgery/doctor visits ; member after > 50% of UCR Ambulatory Surgery Facility member $200 $200 UCR* not to exceed $2700 after $600 plus remainder of charges Physician ; member after and balance 3 This is a summary only and does not include all the details, exclusions, or limitations about covered services. For more details about coverage or costs, contact the HR Service Center at uschr@usc.edu or (213)

4 USC TROJAN CARE EPO USC Custom TIER 1: Keck Medicine TIER 2: Anthem TIER 3: Out-of-network TIER 1: USC Custom TIER 2: Anthem Behavioral Health and Substance Use Disorder Services Authorization Inpatient, Partial hospitalization, Residential treatment center, and Intensive outpatient visits require prior authorization Inpatient Services, Partial hospitalization, Residential treatment center, and Intensive outpatient visits require prior authorization Inpatient, Partial hospitalization and Residential treatment center care authorized by the Medical Group Inpatient, Partial hospitalization and Residential treatment center require prior authorization Inpatient - facility member pays $100 $300 UCR.* Member pays $600 plus balance Inpatient - physician ; member after and balance Partial hospitalization ; member after and balance Residential treatment member pays $100 $300 UCR.* Member pays $600 plus balance Outpatient - facility member pays $200 $200 UCR* not to exceed $2700 after $600 plus remainder of all charges Outpatient - professional member pays $20 copay ($10 copay with designated PCP) $20 $30 and balance $20 $40 $30 Other Health Services Coverage in foreign countries Emergency Only No Yes Yes Emergency Only Emergency Only Emergency Only 4 This is a summary only and does not include all the details, exclusions, or limitations about covered services. For more details about coverage or costs, contact the HR Service Center at uschr@usc.edu or (213)

5 Financial Incentives/Surcharges to Medical Plans Employee Contribution Impact Surcharge/Incentive Description Affected Plan Monthly Annual Health Assessment Credit All Plans Except Anthem MyChoice HMO Subtract $40 Subtract $480 Tobacco-Free Credit All Plans Except Anthem MyChoice HMO Subtract $25 Subtract $300 PCP Selection Discount USC Trojan Care EPO Only $10 off PCP copays Not Applicable Working Spouse Surcharge All Plans Except Anthem MyChoice HMO Add $50 Add $600 Vision Well vision exam (one exam/year) Frames In- USC Roski Provider 2018 VSP CHOICE PLAN In- VSP Provider $0 copay $15 copay $15 copay Up to $45 Up to $200 (every other calendar year) Up to $170 (every other calendar year) Out-of- Provider Up to $55 (every other calendar year) Lenses Single vision, lined bifocal, lined trifocal, lenticular Progressive $55 $175 copay Contacts (in lieu of glasses) Up to $175 Up to $150 *Only one copay applies when lenses and frames are purchased. Up to $45-$125 $25 copay Up to $85 Up to $150 5 This is a summary only and does not include all the details, exclusions, or limitations about covered services. For more details about coverage or costs, contact the HR Service Center at uschr@usc.edu or (213)

6 Dental Out-of-Pocket Maximum (combined) Services at the USC School of Dentistry $1,500/person Delta Dental PPO Plan In- Out-of- Deductible Individual $50 $75 Per Family $150 $225 Preventive & Diagnostic Cleaning, Exams, X-ray 100%, no 90%, no 80%, after Basic Services Routine Extractions, Fillings, Root Canal Therapy, Osseous Surgery, Oral Surgery 100%, after 80%, after 70%, after Major Services Crowns, Bridges, Dentures 100%, after 60%, after 50%, after Orthodontia All services 50% Lifetime Maximum $1,500 Eligibility for Orthodontia Covers both children and adults Implants Implant Rider 50% Implants Lifetime Max $1,500 6 This is a summary only and does not include all the details, exclusions, or limitations about covered services. For more details about coverage or costs, contact the HR Service Center at uschr@usc.edu or (213)