Highlights of your Health Care Coverage Washington Counties Insurance Fund Any deductibles, copays, and coinsurance percentages shown are amounts for which you're responsible. Medical Benefits apply after the calendar-year deductible is met unless otherwise noted, or if the cost share is a copay. Effective Date: 01/01/2018 MEDICAL PLAN MEDICAL COST SHARE OPTIONS Individual Deductible PCY (Family aggregate deductible 2x Individual) Coinsurance (Member's percentage of costs after deductible based on allowable charges) Individual Out of PCY, includes deductible, coinsurance, copay and pharmacy if applicable (Family aggregate OOP Max 2X Individual) Office Visit Cost Share PREVENTIVE CARE OPTIONS AND HEALTH EDUCATION Preventive Office Visit (Unlimited, subject to standard medical guidelines) Immunizations (Unlimited, subject to standard medical guidelines) Health Education (HE) (Unlimited) Nicotine Dependency Programs (ND) (Unlimited) Diabetes Health Education (DE) (Unlimited) Individual Deductible: $1,500; Family aggregate Deductible: $3,000 Shared with In-Network 20% 50% Individual OOP Max: $3,400; Family aggregate OOP Maximum $6,800 Covered In Full Shared with In-Network Out of Pocket Maximum 1-9J08HA Rev #1 Q 8/18/2017 11:05 AM Page 1 of 7
PROFESSIONAL CARE Professional Office Visit Inpatient Professional Services Contraceptive Management Services (Unlimited) DIAGNOSTIC SERVICE OPTIONS Preventive Professional Diagnostic Imaging and Laboratory Services - Including Mammogram and PAP/PSA Other Professional Diagnostic Imaging Other Professional Diagnostic Laboratory/Pathology Diagnostic Mammography FACILITY CARE OPTIONS Inpatient Facility Outpatient Surgery Facility Skilled Nursing Facility (90 Days PCY) Hospice Inpatient Facility (14 Days; 6 month limit per lifetime) EMERGENCY CARE AND TRANSPORTATION OPTION Covered In Full Covered In Full Deductible, then covered in full, applies to Out of Deductible, then covered in full, applies to Out of 1-9J08HA Rev #1 Q 8/18/2017 11:05 AM Page 2 of 7
Emergency Care Emergency Room Physician Urgent Care Center Ambulance Transportation (Unlimited) Air Ambulance (Unlimited) OTHER SERVICES Allergy/Therapeutic Injections Mental Health Inpatient Facility Care (Unlimited) Mental Health Outpatient Professional Care (Unlimited) Chemical Dependency Inpatient Facility Care (Unlimited) Chemical Dependency Outpatient Professional Care (Unlimited) Rehab Inpatient Facility (30 days PCY) Rehab Outpatient Care, Including Physical, Occupational, Speech and Massage Therapy, and Chronic Pain (45 visits PCY) or Family aggregate Out of or Family aggregate Out of or Family aggregate Out of or Family aggregate Out of 1-9J08HA Rev #1 Q 8/18/2017 11:05 AM Page 3 of 7
Rehab Outpatient Care Chronic Conditions, Including Cardiac, Pulmonary Rehab, and Cancer Medical Supplies, Equipment, Prosthetics (Unlimited) Foot Orthotics, Orthopedic Shoes and Accessories ($300 PCY; Includes orthotics and orthopedic shoes) Home Health Visits (130 visits PCY) Hospice Care (Respite 240 hours; 6 months lifetime max) TMJ (Temporomandibular Joint Disorders) (Unlimited (Medical and Dental services - Medical and Dental cost shares based on type of service)) Transplants (Unlimited; $7,500 travel and lodging limits) Drug List Prescription Drugs - Retail (Specific preventive drugs and legend Retail: 90 day supply/mail: 90 day supply/specialty: 30 day supply) Prescription Drugs - Mail (Specific preventive drugs and legend Retail: 90 day supply/mail: 90 day supply/specialty: 30 day supply) Specialty Pharmacy (Mandatory) ALTERNATIVE CARE Manipulations (Spinal and other) (Spinal Manipulations 20 Visits PCY Massage Therapy 12 Visit PCY separate from Spinal Manipulations) Acupuncture (12 Visits PCY) SUPPLEMENTAL BENEFITS Deductible, then covered in full, applies to the Out of Covered as any other service Covered as any other service Open A1 No Tiers Covered as any other service Open A1 No Tiers Not Covered Not Covered 1-9J08HA Rev #1 Q 8/18/2017 11:05 AM Page 4 of 7
Routine Vision Exam (1 PCY) Pediatric Vision Exam (1 PCY under age 19) ANNUAL PLAN MAXIMUM Annual Plan Maximum Unlimited Unlimited Prior Authorization is required for many services to be covered. For more information please refer to your benefit booklet. PCY = Per Calendar Year. Balance billing may apply if a provider is not contracted with Premera Blue cross. Members are responsible for amounts in excess of the allowable charge. This is not a complete explanation of covered services, exclusions, limitations, reductions or the terms under which the program may be continued in force. This benefit highlight is not a contract. For full coverage provisions, including a description of waiting periods, limitations and exclusions please contact Customer Service. 1-9J08HA Rev #1 Q 8/18/2017 11:05 AM Page 5 of 7
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