Your Plan: Anthem HealthKeepers Essential Guided Access Plus w/dental gcpa Your Network: HealthKeepers This summary of benefits is a brief outline of coverage, designed to help you with the selection process. This summary does not reflect each and every benefit, exclusion and limitation which may apply to the coverage. For more details, important limitations and exclusions, please review the formal contract of coverage. If there is a difference between this summary and the contract of coverage, the contract of coverage will prevail. Covered Medical Benefits Overall Deductible See notes below to understand how your deductible works. Your plan may also have a separate Prescription Drug Deductible. See Retail Prescription Drug Coverage section. Out-of-Pocket Limit When you meet your out-of-pocket limit, you will no longer have to pay cost-shares during the remainder of your benefit period. Your copays, and deductibles count toward your out-of-pocket limit. If Pediatric Vision and/or Dental services are covered under this plan, these services count towards your out of pocket limit. For prescription drug, all cost shares count towards your annual out-of-pocket limit. Doctor Home and Services This plan covers 3 office visits per member per year at copay (excluding preventive, maternity and urgent care) and before deductible. Additional office visits for the remainder of the benefit period are subject to deductible and applicable. Preventive care In-network preventive care is not subject to deductible, if your plan has a deductible. Member: $3,000 For Family: $6,000 Member: $6,350 For Family: $12,700 Cost if you use an Outof-network Member: $6,000 For Family: $12,000 Member: $12,700 For Family: $25,400 Primary care visit to treat an injury or illness $30 copay or 20% Specialist care visit $30 copay or 20% Prenatal and post-natal visit Other practitioner visits: Chiropractor services Limited to 30 visits across outpatient and other professional visits. $30 copay or 20% Other services in an office: Allergy testing Chemo/radiation therapy Hemodialysis Prescription drugs Page 1 of 8
Covered Medical Benefits Diagnostic Services Lab: Freestanding lab Cost if you use an Outof-network X-ray: Freestanding radiology center Advanced diagnostic imaging (for example, MRI/PET/CAT scans): Freestanding radiology center Emergency and Urgent Care Emergency room facility services Same as in-network Emergency room doctor and other services Same as in-network Ambulance (air and ground) Same as in-network Urgent care (office setting) Outpatient Mental/Behavioral Health and Substance Abuse Doctor office visit $30 copay or 20% Facility visit: Facility fees Doctor and other services Page 2 of 8
Covered Medical Benefits Outpatient Surgery Facility fee: Hospital Freestanding surgical center Cost if you use an Outof-network Doctor and other services Hospital Stay (all inpatient stays including maternity, mental / behavioral health, and substance abuse) Facility fee (for example, room & board) Doctor and other services Recovery & Rehabilitation Home health care Limited to 100 visits; limit does not apply to Home Infusion Therapy or Home Dialysis. Rehabilitation services (for example, physical/speech/occupational therapy): Limited to 30 combined visits for Physical & Occupational Therapy. Limited to 30 visits for Speech Therapy. Limits will not apply if care is received as part of hospice or home health. Limits are combined across Outpatient & other professional visits. $30 copay or 20% Cardiac rehabilitation $30 copay or 20% Skilled nursing care (in a facility) Limited to 100 combined days per stay for Physical Medicine and Rehab and Skilled Nursing Facility (includes services in an Outpatient Day Rehabilitation Program). Durable medical equipment & prosthetics Page 3 of 8
Covered Prescription Drug Benefits Retail Prescription Drug Coverage This plan uses a Select Drug List. Drugs not on the list are not covered. This plan includes Home Delivery (Mail Order). Home Delivery copays are 2.5 times retail copays for 90 day supply. Cost if you use an Outof-network Per-member deductible Your prescription drug deductible applies to Tiers 2 and 3 only, and is combined innetwork and out-of-network if your plan includes out-of-network coverage. $250 Drug tier 1 $15 copay Drug tier 2 $35 copay Drug tier 3 Greater of 30% - $70 copay Drug tier 3 per-prescription maximum cost share (in-network only) $500 Page 4 of 8
Covered Vision Benefits This is a brief outline of your in-network coverage. Not all cost shares for covered services are shown below. For a full list, including benefits, exclusions and limitations, and out-of-network coverage (If applicable), see the combined Evidence of Coverage/Disclosure Form/Certificate. If there is a difference between this summary and either Evidence of Coverage/Disclosure form/certificate, the Evidence of Coverage/Disclosure form/certificate will prevail. In-network Padiatric Vision benefit cost shares accumulate to the Medical plan out-of-pocket limit and are not subject to the Medical plan deductible, if your plan includes a deductible. Adult Vision services are covered. (See below and your Evidence of Coverage for details.) Children's Vision Essential Health Benefits Vision exam (once every benefit period) Frames (once every benefit period) Lenses (once every benefit period) Elective contact lenses (once every benefit period) Adult Vision Vision exam (once every benefit period) $20 copay Frames (once every other benefit period) $0 copay, $130 frame allowance Lenses (once every benefit period) $20 copay Elective contact lenses (once every other benefit period) $0 copay, $80 allowance Page 5 of 8
Covered Dental Benefits This is a brief outline of your in-network coverage. Not all cost shares for covered services are shown below. For a full list, including benefits, exclusions and limitations, and out-of-network coverage (If applicable), see the combined Evidence of Coverage/Disclosure Form/Certificate. If there is a difference between this summary and either Evidence of Coverage/Disclosure form/certificate, the Evidence of Coverage/Disclosure form/certificate will prevail. Dental services are not subject to Plan deductible if Plan includes a Medical deductible. Dental services may be subject to a separate dental deductible. Children's Dental Essential Health Benefits are covered.adult Dental services are covered. Children's Dental Essential Health Benefits Diagnostic and preventive Basic services Major services 50% Deductible None Adult Dental Diagnostic and preventive Basic services Major services 50% Deductible $50 Annual maximum $1,000 Page 6 of 8
Your plan also includes the following Healthy Support features Healthy Lifestyles Online Quarterly Health Webinars Gym membership reimbursement Healthy Lifestyles incentives Tobacco free certification with incentives FitOrbit Online well-being health improvement program focused on physical, social and emotional behaviors, including healthy eating, exercise and weight management One hour health education seminars delivered via the web Members are rewarded for regular visits to their gym Members track rewards online for participating in Healthy Lifestyles By certifying online, members are rewarded for being tobacco free Access to online trainers and nutrition plans Up to $400 / year Up to $150 / year in gift cards $50 / year gift card $99 / year per member cost Page 7 of 8
Notes: Your plan requires a selection of a Primary Care Physician. Your plan requires a referral from your Primary Care Physician for select covered services. All medical services subject to a are also subject to the annual medical deductible. If your plan includes a hospital stay copay and you are readmitted within 72 hours of a prior admission for the same diagnosis, your hospital stay copay for your readmission is waived. If your plan includes an emergency room facility copay and you are directly admitted to a hospital, your emergency room facility copay is waived. If your plan includes out of network benefits, all services with calendar/plan year limits are combined both in and out of network. Human Organ and Tissues Transplants require precertification and are covered as any other service in your summary of benefits. If you elect a medical plan that does not include qualified Pediatric/Children s Dental coverage you will be enrolled in a separate Children s Dental plan, unless notification is received that you have enrolled in coverage elsewhere. If your plan includes out of network benefit and you use a non-participating provider, you are responsible for any difference between the covered expense and the actual non-participating providers charge. Wigs needed after cancer treatment is limited to one wig per benefit period. Private Duty Nursing at home is limited to 16 hours per benefit period. For additional information on limitations and exclusions that apply to this plan, go to sgplans.anthem.com/va/le/hk For additional information on this plan, please visit sbc.anthem.com to obtain a Summary of Benefit Coverage. HealthKeepers, Inc. is an independent licensee of the Blue Cross and Blue Shield Association. ANTHEM is a registered trademark of Anthem Insurance Companies, Inc. The Blue Cross and Blue Shield names and symbols are registered marks of the Blue Cross and Blue Shield Association. Page 8 of 8