BlueSelect 1449

[Pages:10]BlueSelect 1449

Coverage Period: 01/01/2019 - 12/31/2019

Bronze

Summary of Benefits and Coverage: What this Plan Covers & What You Pay For Covered Services Coverage for: Individual and/or Family | Plan Type: PPO/EPO

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,

plancontracts/individual. 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 plancontracts/individual or call 1-800-352-2583

to request a copy.

Important Questions

Answers

Why This Matters:

What is the overall deductible?

In-Network: $6,200 Per Person/$12,400 Family. Out-ofNetwork: $12,400 Per Person/$24,800 Family.

Generally, you must pay all of the costs from providers up to the deductible amount before this plan begins to pay. If you have other family members on the plan, each family member must meet their own individual deductible until the total amount of deductible expenses paid by all family members meets the overall family deductible.7

Are there services covered before you meet your deductible?

Are there other 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?

Yes. Preventive care.

No.

Yes. In-Network: $7,900 Per Person/$15,800 Family. Out-OfNetwork: $15,800 Per Person/$31,600 Family. Premium, balance-billed charges, and health care this plan doesn't cover. Yes. See om/providersearch/pub/index.htm or call 1-800-352-2583 for a list of network providers.

No.

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 your deductible. See a list of covered preventive services at coverage/preventive-care-benefits/.

You don't have to meet deductibles for specific services.

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.

This plan uses a provider network. You will pay less if you use a provider in the plan's network. 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 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.

1 of 7

SBCID: 1702795

All copayment and coinsurance costs shown in this chart are after your deductible has been met, if a deductible applies.

Common Medical Event

If you visit a health care provider's office or clinic

If you have a test

Services You May Need

Primary care visit to treat an injury or illness Specialist visit

What You Will Pay

Network Provider Out-of-Network Provider

(You will pay the least) (You will pay the most)

$0 Copay - Visits 1-3 $35 Copay for remaining Visits

Deductible + 50% Coinsurance

$65 Copay per Visit

Deductible + 50% Coinsurance

Preventive care/screening/ immunization

No Charge

50% Coinsurance

Diagnostic test (x-ray, blood work)

Independent Clinical Lab: $20 Copay per Visit/ Independent Diagnostic Testing Center: Deductible + 50% Coinsurance

Imaging (CT/PET scans, MRIs)

Deductible + 50% Coinsurance

Independent Clinical Lab: Not Covered/ Independent Diagnostic Testing Center: Deductible + 50% Coinsurance

Deductible + 50% Coinsurance

Limitations, Exceptions, & Other Important Information

Physician administered drugs may have higher cost shares.

Physician administered drugs may have higher cost shares. Physician administered drugs may have higher cost shares. You may have to pay for services that aren't preventive. Ask your provider if the services needed are preventive. Then check what your plan will pay for.

Tests performed in hospitals may have higher cost-share.

Prior Authorization may be required. Your benefits/services may be denied. Tests performed in hospitals may have higher costshare.

For more information about limitations and exceptions, see the plan or policy document at plancontracts/individual.

2 of 7 SBCID: 1702795

Common Medical Event

If you need drugs to treat your illness or condition More information about prescription drug coverage is available at to olsresources/pharmacy/me dication-guide

If you have outpatient surgery

If you need immediate medical attention

If you have a hospital stay

Services You May Need

Generic drugs

Preferred brand drugs

Non-preferred brand drugs Specialty drugs Facility fee (e.g., ambulatory surgery center) Physician/surgeon fees Emergency room care Emergency medical transportation Urgent care Facility fee (e.g., hospital room) Physician/surgeon fees

What You Will Pay

Network Provider Out-of-Network Provider (You will pay the least) (You will pay the most)

Preventive: No Charge (retail)/ Condition Care Rx: $4 Copay per Prescription (retail)/ All

Not Covered

Other Generic: $24

Copay per Prescription

(retail)

Condition Care Rx: $30 Copay per Prescription

(retail)/ All Other Preferred Brand:

Not Covered

Deductible + 50%

Coinsurance (retail)

Deductible + 50% Coinsurance (retail)

Not Covered

Deductible + 50% Coinsurance

Not Covered

Deductible + 50%

Deductible + 50%

Coinsurance

Coinsurance

Deductible

In-Network Deductible

Deductible + 50% Coinsurance

In-Network Deductible + 50% Coinsurance

Deductible + 50%

In-Network Deductible +

Coinsurance

50% Coinsurance

$75 Copay per Visit

Deductible + $75 Copay per Visit

Deductible + $100 Copay per Admission

Deductible + 50% Coinsurance

Deductible

In-Network Deductible

Limitations, Exceptions, & Other Important Information

Up to 30 day supply for retail, 90 day supply for mail order at 2 ? times the retail amount. Responsible Rx programs such as Prior Authorization may apply. See Medication guide for more information.

Up to 30 day supply for retail, 90 day supply for mail order at 2 ? times the retail amount.

Up to 30 day supply for retail, 90 day supply for mail order at 2 ? times the retail amount. Up to 30 day supply for retail. Not covered through Mail Order. ????????none???????? ????????none???????? ????????none????????

????????none????????

????????none???????? Inpatient Rehab Services limited to 30 days. Inpatient Habilitation Services limited to 30 days. ????????none????????

For more information about limitations and exceptions, see the plan or policy document at plancontracts/individual.

3 of 7 SBCID: 1702795

Common Medical Event

Services You May Need

What You Will Pay

Network Provider Out-of-Network Provider (You will pay the least) (You will pay the most)

Limitations, Exceptions, & Other Important Information

If you need mental health, behavioral health, or substance abuse services

Outpatient services Inpatient services

Physician Office: $65 Copay per Visit / Hospital: Deductible + 50% Coinsurance

Physician Services: Deductible / Hospital: Deductible + $100 Copay per Admission

Deductible + 50% Coinsurance

????????none????????

Physician Services: InNetwork Deductible/ Hospital: Deductible + 50% Coinsurance

Prior Authorization may be required. Your benefits/services may be denied.

Office visits

$65 Copay on initial Visit

Deductible + 50% Coinsurance

Maternity care may include tests and services described elsewhere in the SBC (i.e. ultrasound.)

If you are pregnant

Childbirth/delivery professional services

Deductible

In-Network Deductible

????????none????????

Childbirth/delivery facility services

Deductible + $100 Copay per Admission

Deductible + 50% Coinsurance

????????none????????

Home health care

No Charge

Not Covered

Coverage limited to 30 visits.

Rehabilitation services

Physician Office: $65 Copay per Visit/ Outpatient Rehab Center: Deductible + 50% Coinsurance

Deductible + 50% Coinsurance

Coverage limited to 35 visits, including 35 manipulations. Services performed in hospital may have higher cost-share. Prior Authorization may be required. Your benefits/services may be denied.

If you need help recovering or have other special health needs

Habilitation services

Physician Office: $65 Copay per Visit/ Outpatient Rehab Center: Deductible + 50% Coinsurance

Deductible + 50% Coinsurance

Services performed in hospital may have higher cost share. Prior Authorization may be required. Your benefits/services may be denied.

Skilled nursing care

Deductible + 50% Coinsurance

Deductible + 50% Coinsurance

Coverage limited to 60 days.

Durable medical equipment

Motorized Wheelchairs: $500 Copay per Visit/ Not Covered All Other: No Charge

Excludes vehicle modifications, home modifications, exercise, bathroom equipment and replacement of DME due to use/age.

Hospice services

No Charge

Deductible + 50% Coinsurance

????????none????????

If your child needs

Children's eye exam

No Charge

Not Covered

One exam every 12 months.

For more information about limitations and exceptions, see the plan or policy document at plancontracts/individual.

4 of 7 SBCID: 1702795

Common Medical Event

Services You May Need

dental or eye care

Children's glasses

Children's dental check-up Excluded Services & Other Covered Services:

What You Will Pay

Network Provider Out-of-Network Provider (You will pay the least) (You will pay the most)

No Charge

Not Covered

Not Covered

Not Covered

Limitations, Exceptions, & Other Important Information

One pair every 12 months. Additional cost shares may apply for Non-Collection Frame. Not Covered

Services Your Plan Generally Does NOT Cover (Check your policy or plan document for more information and a list of any other excluded services.)

Acupuncture Bariatric surgery

Infertility treatment Long-term care

Private-duty nursing Routine eye care (Adult)

Cosmetic surgery Dental care (Adult) Hearing aids

Non-excepted abortions (i.e., not medically necessary)

Pediatric dental check-up

Routine foot care unless for treatment of diabetes 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 - Limited to 35 visits

Most coverage provided outside the United States. See .

Non-emergency care when traveling outside the U.S.

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: Department of Labor's Employee Benefits Security Administration at 1-866-444-EBSA (3272) or ebsa/contactEBSA/consumerassistance.html, State consumer assistance program IIO/Resources/Consumer-Assistance-Grants/, Office of Personnel Management Multi State Plan Program: healthcare-insurance/multi-state-plan-program/externalreview/. Or or call 1-800-318-2596 OR state health insurance marketplace or SHOP. 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 1-800-3182596.

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 the insurer at 1-800-352-2583. You may also contact your State Department of Insurance at 1-877-693-5236. Additionally, a consumer assistance program can help you file your appeal. Contact U.S. Department of Labor Employee Benefits Security Administration at 1-866-4-USA-DOL (866-487-2365) or ebsa/consumer_info_health.html .

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.

For more information about limitations and exceptions, see the plan or policy document at plancontracts/individual. 5 of 7

SBCID: 1702795

Does this plan meet 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.

??????????????????????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 plancontracts/individual. 6 of 7

SBCID: 1702795

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 (deductibles, 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

(9 months of in-network pre-natal care and a hospital delivery)

The plan's overall deductible Specialist Copayment Hospital (facility) Copayment Other Copayment

$6,200 $65 $100 $20

Managing Joe's type 2 Diabetes

(a year of routine in-network care of a wellcontrolled condition)

The plan's overall deductible Specialist Copayment Hospital (facility) Copayment Other No Charge

$6,200 $65 $100 $0

Mia's Simple Fracture

(in-network emergency room visit and follow up care)

The plan's overall deductible Specialist Copayment Hospital (facility) Copayment Other Coinsurance

$6,200 $65 $100 50%

This EXAMPLE event includes services like: Specialist office visits (prenatal care) Childbirth/Delivery Professional Services Childbirth/Delivery Facility Services Diagnostic tests (ultrasounds and blood work) Specialist visit (anesthesia)

This EXAMPLE event includes services like: Primary care physician office visits (including

disease education) Diagnostic tests (blood work) Prescription drugs Durable medical equipment (glucose meter)

This EXAMPLE event includes services like: Emergency room care (including medical

supplies) Diagnostic test (x-ray) Durable medical equipment (crutches) Rehabilitation services (physical therapy)

Total Example Cost

In this example, Peg would pay: Cost Sharing

Deductibles Copayments Coinsurance

What isn't covered Limits or exclusions The total Peg would pay is

$12,800

$6,200 $200 $0

$60 $6,460

Total Example Cost

In this example, Joe would pay: Cost Sharing

Deductibles Copayments Coinsurance

What isn't covered Limits or exclusions The total Joe would pay is

$7,400

$4,600 $1,200

$0

$60 $5,860

Total Example Cost

In this example, Mia would pay: Cost Sharing

Deductibles Copayments Coinsurance

What isn't covered Limits or exclusions The total Mia would pay is

$1,900

$1,300 $300 $0

$0 $1,600

Note: These numbers assume the patient does not participate in the plan's wellness program. If you participate in the plan's wellness program, you may be able to reduce your costs. For more information about the wellness program, please contact: .

7 of 7 SBCID: 1702795

Health insurance is offered by Florida Blue. HMO coverage is offered by Florida Blue HMO, an affiliate of Florida Blue. Dental insurance is offered by Florida Combined Life Insurance Company, Inc., an affiliate of Blue Cross and Blue Shield of Florida, Inc. These companies are Independent Licensees of the Blue Cross and Blue Shield Association.

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