SUPRO: 2018 SCHEDULE OF BENEFITS - EMPLOYEE COST SHARING

Similar documents
SUBLUE AND SUORANGE: 2018 SCHEDULE OF BENEFITS -EMPLOYEE COST SHARING

Schedule of Benefits (GR-9N-S DE)

PEIA PPB Plan A Benefits At a Glance

$15 copay $25 copay. - Silver&Fit copays are not included in the Annual Out-Of- Pocket Maximum

HBS PPO Enhanced Plan B1 Benefits-at-a-Glance CHE Trinity Health

HBS PPO Standard B1 Benefits-at-a-Glance Trinity Health

ROCHESTER INSTITUTE OF TECHNOLOGY Blue PPO (Pre-Medicare) 2019 Benefit Summary

Health care benefits for your on demand life.

$15 copay $25 copay. in a specialist office. - Silver&Fit copays are not included in the Annual Out-Of- Pocket Maximum

1. SCHEDULE OF BENEFITS (Who Pays What)

BCBSM provides administrative claims services only. Your employer or plan sponsor is financially responsible for claims.

Medical Schedule of Benefits (Effective July 01, June 30, 2019) Johns Hopkins Student Health Program

Quote Effective: 04/01/ /30/2019 Version Updated: 01/07/2019

Health Savings PPO Benefits-at-a-Glance CHE Trinity Health

BCBSM provides administrative claims services only. Your employer or plan sponsor is financially responsible for claims.

Medical EPO Plan Schedule of Benefits (Effective January 01, 2019) Howard County General Hospital/TCAS Employees and Eligible Dependents

I. PLAN DESCRIPTIONS. A. POS Point of Service

BCBSM provides administrative claims services only. Your employer or plan sponsor is financially responsible for claims.

BCBSM provides administrative claims services only. Your employer or plan sponsor is financially responsible for claims.

BCBSM provides administrative claims services only. Your employer or plan sponsor is financially responsible for claims.

Medical EPO Plan Schedule of Benefits (Effective January 01, 2019) JHH/JHHSC Non-Union and Union Employees and Eligible Dependents

WA Bronze PPO Saver /50 (1/14)

Medical PPO Plan Schedule of Benefits (Effective January 01, 2019) Bayview Non-Union and Union Employees and Eligible Dependents

Adventist Health System Schedule of Benefits for Adventist Health System Effective January 1, 2018

Traditional PPO Plan (Modified) Benefits-at-a-Glance Trinity Health

Schedule of Benefits Phoenix Health Plans, Inc.

Traditional Plan (Modified) Summary Trinity Health

Central Health Medicare Plan (HMO)

LOCKHEED MARTIN AERONAUTICS COMPANY PALMDALE 2011 IAM NEGOTIATIONS ACTIVE EMPLOYEE S LM HEALTHWORKS (PPO) SUMMARY

Medical Schedule of Benefits (Effective January 01, 2016) Johns Hopkins Bayview Medical Center Non-Union and Union Employees and Eligible Dependents

LOCKHEED MARTIN AERONAUTICS COMPANY MARIETTA 2011 IAM NEGOTIATIONS UNDER AGE 65 LM HEALTHWORKS SUMMARY

Medical Schedule of Benefits (Effective July 01, June 30, 2018) Johns Hopkins Student Health Program

Aetna Choice POS II Medical Plan PLAN FEATURES NETWORK OUT-OF-NETWORK. Individual Deductible* $1,000 $2,000. Family Deductible* $2,000 $4,000

This is an ERISA plan, and you have certain rights under this plan. Please contact your Employer for additional information.

Health Savings PPO (Modified) Benefits-at-a-Glance Trinity Health

Summary of Benefits Full PPO Savings Two-Tier Embedded Deductible 1500/2700/3000

Medical Schedule of Benefits (Effective January 01, December 31, 2017) Johns Hopkins University Employees and Eligible Dependents

NEW CASTLE COUNTY COMPARISON OF PRE-65 RETIREES/PENSIONERS BENEFITS PLAN YEAR 2019

Full PPO Savings Two-Tier Embedded Deductible 2250/2700/4500 Effective January 1, 2019

2016 Forever Blue Medicare PPO

Medicare PPO Blue (PPO)

Summary of Coverage. $6,350 / $12,700 (Includes Deductibles, Copays and Coinsurance Amounts) Preventive Care Covered at 100%

2016 Senior Blue HMO H3384. Summary of Benefits

Important Questions Answers Why this Matters: What is the overall deductible? Are there other deductibles for specific services?

$250 per member. All covered expenses accumulate separately toward the Network and Out-of-network Coinsurance Maximum.

Schedule of Benefits Summary Group Name: Nebraska Bankers Association VEBA Effective Date: January 01, 2018

For: Traditional Choice - Over Age 65 Corning Retirees - Comprehensive Medical Only - MAP Plus Option 1

Standard Option Medical Schedule of Benefits (Effective January 01, 2018) Suburban Hospital Employees and Eligible Dependents

HEALTH BENEFIT PLAN FOR NORTHWESTERN MICHIGAN COLLEGE SCHEDULE OF MEDICAL BENEFITS AND PRESCRIPTION COVERAGE

Essential Assist w HRA (Modified) Summary Trinity Health

Super Blue Plus QHDHP 1 HDHP Non Emb 100%

MEMBER COST SHARE. 20% after deductible

This is not an ERISA plan. Please contact your Employer for additional information. Aetna Select Medical Plan PLAN FEATURES NETWORK OUT-OF-NETWORK

CoventryOne is administered by Coventry Health Care of Delaware, Inc. and underwritten by Coventry Health and Life Insurance Company.

Health Savings PPO Benefits-at-a-Glance Trinity Health

An Overview of Your Health and Dental Benefits

Health Savings Plan Summary Trinity Health

This is an ERISA plan, and you have certain rights under this plan. Please contact your Employer for additional information.

Schedule of Benefits (GR-29N OK)

SUMMARY OF BENEFITS. Cigna Health and Life Insurance Co.

2016 Summary of Benefits. Classic Rx (HMO)

SUMMARY OF MATERIAL MODIFICATION TO THE SUMMARY PLAN DESCRIPTION OF THE MEDICAL BENEFITS UNDER THE UTICA COLLEGE HEALTH BENEFITS PLAN

Aetna Choice POS II Medical Plan PLAN FEATURES NETWORK OUT-OF-NETWORK

Anthem Blue Cross Your Plan: Premier HMO 10/100% - MUST Trust Your Network: California Care HMO

California Small Group MC Aetna Life Insurance Company NETWORK CARE

Standard Option Medical Schedule of Benefits (Effective January 01, 2017) Suburban Hospital Employees and Eligible Dependents

2016 Summary of Benefits. Preferred Rx (PPO)

Aetna Select Medical Plan PLAN FEATURES NETWORK OUT-OF-NETWORK. Plan Maximum Out of Pocket Limit excludes precertification penalties.

Summary of Benefits. for Anthem MediBlue Select (HMO) Available in Hartford county, CT

Summary of Benefits. for Anthem MediBlue Select (HMO) Available in Hartford county, CT

Plan changes are in red In-Network 2015 Out-of-Network

Traditional Choice (Indemnity) (08/12)

California Small Group MC Aetna Life Insurance Company

Simply Blue SM HSA PPO Plan 2000/0% LG Medical Coverage with Prescription Drugs Benefits-at-a-Glance

Simply Blue SM PPO Plan $1000 LG Medical Coverage Benefits-at-a-Glance

and cardiac diagnostic procedures utilizing nuclear medicine) Bariatric surgery Not Covered Not Covered

OPERATING ENGINEERS LOCAL324 Community Blue PPO Effective Date: 01/01/2016

Summary of Benefits. Custom PPO Combined Deductible /60. City of Reedley Effective January 1, 2018 PPO Benefit Plan

Simply Blue HDHP. General Information ROCHESTER REGIONAL HEALTH SYSTEM. Cost Sharing Expenses

2019 Summary of Benefits

HNE Medicare Value (HMO)

Anthem Blue Cross Your Plan: Premier HMO 20/200 admit/100 OP (Essential Formulary $10/$25/$45/30%) Your Network: California Care HMO

Blue Cross Select Silver 94 Blue Cross Preferred Silver 94

For: 80/20 Plan for Retired Employees Over Age 65 and Dependents

No Charge Primary care visit to treat an injury or illness. 20% Specialist care visit

NETWORK CARE. $3,500 Individual $7,000 Family

Healthy New York Summary of Benefits

Booklet Contents. Senior Blue (HMO) (H3384) Summary of Benefits. Forever Blue Medicare (PPO) (H5526) Summary of Benefits

Benefits Summary SelectHC IV

Benefits Summary Direct HMO / HMO For Groups with 2-50 Eligible Employees (Eff. 10/01/10, Pending NYS Dept. of Insurance Approval)

Your Plan: 2018 HMO Plan (2940) Your Network: California Care HMO

Schedule of Benefits

PLAN DESIGN AND BENEFITS - IN MANAGED CHOICE POS OPEN ACCESS 90/60/60 $1,000 PREFERRED CARE

Group Name. South Seneca School District

This is an ERISA plan, and you have certain rights under this plan. Please contact your Employer for additional information.

2019 Summary of Benefits

COVENTRY HEALTH AND LIFE INSURANCE COMPANY 2751 Centerville Road, Suite 400 Wilmington, Delaware SCHEDULE OF BENEFITS.

$3,000 Individual $6,000 Family All covered expenses accumulate separately toward the Network and Out-of-Network Coinsurance Maximum.

FIRSTCAROLINACARE INSURANCE COMPANY 2015 Summary of Benefits. FirstMedicare Direct HMO Plus (HMO)

South Central Ohio Insurance Consortium

Transcription:

SU Pro (In- and Out-of-) In - Out -of- Cost Sharing Definitions Annual Deductible 1 Coinsurance Annual Out-of-Pocket Maximum 2 $200 per individual with a maximum of $400 for a family 5% of allowable amount for inpatient hospitalization 50% of allowable amount for hearing aids 20% of allowable amount for all other services All preventive services covered in full $1,500 per individual with a maximum of $3,000 for a family Your Institutional Covered Services INPATIENT HOSPITAL $300 per individual with a maximum of $1,000 for a family 5% of allowable amount for inpatient hospitalization 50% of allowable amount for hearing aids 30% of allowable amount for all other services - plus - Difference between submitted charge and allowable amount $6,000 per individual with a maximum of $12,000 for a family Inpatient hospital Nursery care OUTPATIENT HOSPITAL Surgery Pre-surgical testing Routine mammography screenings (one per calendar year for ages 35 and older with exceptions if high risk) Routine prostate cancer screenings (one per calendar year for ages 50 and older with exceptions if high risk) Routine cervical cancer screenings (one per calendar year for ages 18 and older) Colonoscopies 1 2018

SU Pro (In- and Out-of-) Diagnostic machine tests, x-rays, and radiology services (including MRIs, PET and CT scans) In - Out -of- Diagnostic laboratory tests Occupational therapy (for situations not covered through a governmental program) Physical therapy Speech therapy (for situations not covered through a governmental program) Respiratory, radiation, cardiac therapies and chemotherapy Hospital emergency room HOSPITAL EMERGENCY ROOM In-network deductible plus in-network coinsurance ADDITIONAL INSTITUTIONAL PROVIDERS Ambulatory surgery center Birth center Skilled nursing facility (180 inpatient days) Home health agency Hospice Inpatient mental health disorder care (facility charge) General hospital or psychiatric facility 2 2018

SU Pro (In- and Out-of-) Inpatient substance use disorder detoxification and rehabilitation General hospital or certified alcohol/ substance abuse facility program Outpatient treatment for mental health disorders Includes Partial Hospitalization Outpatient treatment for substance use disorders Includes Partial Hospitalization In - Out -of- Your Professional Provider Covered Services Surgery and assistance at surgery Breast reconstruction surgery Second opinion Anesthesia Maternity PROFESSIONAL PROVIDER INPATIENT VISITS Inpatient hospital visits by physician or other professional provider Inpatient substance use disorder hospital visits by physician or other professional provider Inpatient skilled nursing facility visits by physician or other professional provider Inpatient mental health disorder care visits by physician or other professional provider PROFESSIONAL PROVIDER VISITS Office visits 3 2018

SU Pro (In- and Out-of-) Well child visits Birth to 2 nd birthday - 9 visits 2 nd birthday to 7 th birthday - 5 visits 7 th birthday to 19 th birthday - 1 visit per calendar year In - Out -of- Routine physical (one per calendar year) Routine cervical cancer screening (annual routine pap smear; one per calendar year) Allergy testing and treatment Consultation service, office Consultation service, ER Consultation service, hospital Urgent care Kidney dialysis (with ESRD, member must sign up for Medicare upon becoming eligible) Outpatient treatment for mental health disorders Private duty nursing Diabetes education Acupuncture Chiropractic services Routine vision exam (one exam in 24 consecutive months) Routine hearing exam (one exam in 24 consecutive months) Occupational therapy (for situations not covered through a governmental program) THERAPY Physical therapy Speech therapy (for situations not covered through a governmental program) 4 2018

SU Pro (In- and Out-of-) Respiratory, radiation, and cardiac therapies and chemotherapy In - Out -of- DIAGNOSTIC SERVICES Diagnostic machine tests, x-rays and radiology services (including MRIs, PET and CT scans) Diagnostic laboratory Routine mammography screenings (one per calendar year for ages 35 and older with exceptions if high risk) Routine prostate cancer screenings (one per calendar year for ages 50 and older with exceptions if high risk) Routine cervical cancer screenings (one per calendar year for ages 18 and older) Colonoscopies Additional Health Services Ambulance In-network deductible plus in-network coinsurance Diabetic equipment and supplies Durable medical equipment Breastfeeding Equipment Rental or Purchase Hearing Aids Maximum benefit of $750 for a single hearing aid and $1,500 for binaural hearing aids; limited to once every three years Contracted Model: Deductible and 50% of the submitted charge or the allowable amount (whichever is lesser) Non-Contracted Model: Deductible and 50% of the submitted charge or the allowable amount (whichever is lesser) plus the difference between the submitted charge and the allowable amount. Rental Coverage Only: Deductible plus coinsurance Deductible and 50% of the submitted charge or the allowable amount (whichever is lesser) plus the difference between the submitted charge and the allowable amount. Medical supplies Prosthetic devices Medical Evacuation No Coverage No Coverage 5 2018

SU Pro (In- and Out-of-) In - Out -of- Repatriation No Coverage No Coverage Prescription Drugs Claims processed by prescription benefit manager 1 Coverage requires the employee to pay an annual deductible before any other cost sharing is determined. The annual in-network deductible is $200 per individual with a maximum of $400 for a family. The annual out-of-network deductible is $300 per individual with a maximum of $1,000 for a family. After the annual deductible is satisfied, the employee must pay the coinsurance, if applicable. The coinsurance is then applied to the balance of the allowable amount. For out-of-network services, the employee is also responsible for the difference between the submitted charge and the allowable amount as defined by Excellus BlueCross BlueShield. 2 Out-of-pocket maximum refers to the maximum amount of out-of-pocket expenses an employee would pay in a calendar year. The out-of-pocket expenses are defined as the deductibles and coinsurance amounts, exclusive of coinsurance amounts for prescription medicines. The differences between submitted charges and the allowable amounts under the out-of-network level are not subject to the out-of-pocket maximum. Each medical program is governed by the plan document. If there is any difference between the information on these summary sheets and the plan document, the plan document will rule. Prescription Drugs Annual Deductible Out-of-Pocket Maximum No Deductible $2000 single/$4000 family Retail Generic Retail Brand Formulary Retail Brand Non-Formulary 15% coinsurance* 25% coinsurance 40% coinsurance Mail Generic Mail Brand Formulary Mail Brand Non-Formulary Lesser of $15 or 15% coinsurance* Lesser of $45 or 25% coinsurance Lesser of $90 or 40% coinsurance Specialty Mail Order (All) Same as Mail Order except 30 day supply Contraceptives Follows above schedule for retail and mail order * Generic Prescription Drugs: $0 copay - Certain Age, Gender and Other Restrictions Apply; Contact OptumRx at 866-854-2945 (TTY: 711) for Details: Aspirin, Breast Cancer Prevention Drugs, Cholesterol Medications, FDA-Approved Tobacco Cessation Drugs and OTC Products, Fluoride, Folic Acid, Iron Supplements, Preparatory Prescriptions for Colonoscopies, Vitamin D Supplements & Women s Contraceptives. Prescription drug coverage is not applicable to Medicare-eligible individuals participating in the Retiree Medical Plan. 6 2018