Questions Call or visit us at www - PDF document

Questions: Call 1-877-258-3334 or visit us at www.bcbsnc.com. If you aren't clear about any of the underlinedterms used in this form, see the Glossary. You can view the Glossary atcciio.cms.gov/programs/consumer/summaryandglossary/index.html or call 1-877-258-3334 to request a copy. JY30 Page 1 BlueCross BlueShield of North Carolina: Blue Value Silver3000 (limited network) $$start$$ Coverage Period: 01/01/2015 - 12/31/2015 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Individual Plan Type: POS This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plandocument at www.bcbsnc.com or by calling 1-877-258-3334. Important Questions Answers Why this Matters: What is the overalldeductible ? $3,000 person/$6,000family in-network. $6,000person/$12,000 family out-of-network. Doesn't apply toIn-Network preventive care.Coinsurance and copayments donot apply to the deductible. You must pay all the costs up to the deductible amount before this plan beginsto pay for covered services you use. Check your policy or plan document to seewhen the deductible starts over (usually, but not always, January 1st). See the chartstarting on page 2 for how much you pay for covered services after you meet thedeductible. Are there otherdeductibles forspecific services? Yes. $300 for prescriptiondrugs. There are no otherspecific deductibles. You must pay all of the costs for these services up to the specific deductible amount before this plan begins to pay for these services. Is there an out-of- pocket limit on myexpenses? Yes. For In-Network $6,600person/$13,200 family. ForOut-Of-Network $13,200person/$26,400 family. The out-of-pocket limit is the most you could pay during a coverage period(usually one year) for your share of the cost of covered services. This limit helpsyou plan for health care expenses. What is not includedin the out-of-pocket limit ? Premiums, balance-billedcharges and health care thisplan doesn't cover. Even though you pay these expenses, they don’t count toward the out–of–pocket limit. Is there an overallannual limit on whatthe plan pays? No. The chart starting on page 2 describes any limits on what the plan will pay forspecific covered services, such as office visits. Does this planuse a network ofproviders ? Yes. For a list of In-Network providers, seewww.bcbsnc.com/content/ If you use an in-network doctor or other health care provider , this plan will paysome or all of the costs of covered services. Be aware, your in-network doctor orhospital may use an out-of-network provider for some services. Plans use the term Questions: Call 1-877-258-3334 or visit us at www.bcbsnc.com. If you aren't clear about any of the underlinedterms used in this form, see the Glossary. You can view the Glossary atcciio.cms.gov/programs/consumer/summaryandglossary/index.html or call 1-877-258-3334 to request a copy. JY30 Page 2 providersearch/index.htm or call1-800-446-8053 in-network, preferred , or participating for providers in their network. See thechart starting on page 2 for how this plan pays different kinds of providers. Do I need a referralto see a specialist ? No. You don't need a referral tosee a specialist. You can see the specialist you choose without permission from this plan. Are there servicesthis plan doesn'tcover? Yes. Some of the services this plan doesn’t cover are listed on a later page. See yourpolicy or plan document for additional information about excluded services. ll Copayments are fixed dollar amounts (for example, $15) you pay for covered health care, usually when you receive the service.Coinsurance is your share of the costs of a covered service, calculated as a percent of the allowed amount for the service. Forexample, if the plan’s allowed amount for an overnight hospital stay is $1,000, your coinsurance payment of 20% would be $200.This may change if you haven’t met your deductible . l The amount the plan pays for covered services is based on the allowed amount . If an out-of-network provider charges morethan the allowed amount , you may have to pay the difference. For example, if an out-of-network hospital charges $1,500 for anovernight stay and the allowed amount is $1,000, you may have to pay the $500 difference. (This is called balance billing .) l This plan may encourage you to use in-network providers by charging you lower deductibles , copayments and coinsurance amounts. Your cost* if you use a CommonMedical Event Services You May Need In-NetworkProvider Out-of-NetworkProvider Limitations & Exceptions Primary care visit to treat an injury orillness $30/visit 60% coinsurance ---none--- If you visit a healthcare provider’s office or clinic Specialist visit $80/visit 60% coinsurance ---none--- Questions: Call 1-877-258-3334 or visit us at www.bcbsnc.com. If you aren't clear about any of the underlinedterms used in this form, see the Glossary. You can view the Glossary atcciio.cms.gov/programs/consumer/summaryandglossary/index.html or call 1-877-258-3334 to request a copy. JY30 Page 3 Your cost* if you use a CommonMedical Event Services You May Need In-NetworkProvider Out-of-NetworkProvider Limitations & Exceptions Other practitioner office visit $80/Chiropracticvisit 60%coinsurance/Chiropractic visit -Limits may apply Preventive care/screening/immunization No Charge Not Covered -Limits may apply Diagnostic test (x-ray, blood work) 30% coinsurance 60% coinsurance -No coverage for tests not orderedby a doctor If you have a test Imaging (CT/PET scans, MRIs) 30% coinsurance 60% coinsurance -Prior authorization may berequired for benefits to beprovided. Generic drugs $10/preferredand $25/non-preferred $10/preferredand $25/non-preferred No coverage for drugs in excess ofquantity limits, or therapeuticallyequivalent to an over the counterdrug Preferred brand drugs $50/prescription $50/prescription Same as above Non-preferred brand drugs $70/prescription $70/prescription Same as above If you need drugs totreat your illness orconditionMore informationabout prescription drug coverage isavailable at http://www.bcbsnc.com/content/services/formulary/presdrugben.htm Specialty drugs 25% coinsurance 25% coinsurance Coverage is limited to a 30 daysupply Facility fee (e.g., ambulatory surgerycenter) 30% coinsurance 60% coinsurance ---none--- If you haveoutpatient surgery Physician/surgeon fees 30% coinsurance 60% coinsurance ---none--- Questions: Call 1-877-258-3334 or visit us at www.bcbsnc.com. If you aren't clear about any of the underlinedterms used in this form, see the Glossary. You can view the Glossary atcciio.cms.gov/programs/consumer/summaryandglossary/index.html or call 1-877-258-3334 to request a copy. JY30 Page 4 Your cost* if you use a CommonMedical Event Services You May Need In-NetworkProvider Out-of-NetworkProvider Limitations & Exceptions Emergency room services $750/visit $750/visit ---none--- Emergency medical transportation 30% coinsurance 30% coinsurance ---none--- If you needimmediate medicalattention Urgent care $75/visit $75/visit ---none--- Facility fee (e.g., hospital room) 30% coinsurance 60% coinsurance -Precertification required If you have ahospital stay Physician/surgeon fee 30% coinsurance 60% coinsurance ---none--- Mental/Behavioral health outpatientservices $80/officevisit; 30%coinsurance/outpatient 60% coinsurance -Prior authorization may berequired Mental/Behavioral health inpatientservices 30% coinsurance 60% coinsurance -Precertification required Substance use disorder outpatientservices $80/officevisit; 30%coinsurance/outpatient 60% coinsurance -Prior authorization may berequired If you have mentalhealth, behavioralhealth, or substanceabuse needs Substance use disorder inpatientservices 30% coinsurance 60% coinsurance -Precertification required Prenatal and postnatal care 30% coinsurance 60% coinsurance ---none--- If you are pregnant Delivery and all inpatient services 30% coinsurance 60% coinsurance -Precertification may be required If you need helprecovering or have Home health care 30% coinsurance 60% coinsurance Prior authorization may berequired for benefits to beprovided Questions: Call 1-877-258-3334 or visit us at www.bcbsnc.com. If you aren't clear about any of the underlinedterms used in this form, see the Glossary. You can view the Glossary atcciio.cms.gov/programs/consumer/summaryandglossary/index.html or call 1-877-258-3334 to request a copy. JY30 Page 5 Your cost* if you use a CommonMedical Event Services You May Need In-NetworkProvider Out-of-NetworkProvider Limitations & Exceptions Rehabilitation services $80/visit 60% coinsurance -Coverage is limited to 30visits per benefit period forRehabilitation and Habilitationservices combined, for OT/PT/Chiropractic and 30 visits perbenefit period for Speech Therapy Habilitation services $80/visit 60% coinsurance -Coverage is limited to 30visits per benefit period forRehabilitation and Habilitationservices combined, for OT/PT/Chiropractic and 30 visits perbenefit period for Speech Therapy Skilled nursing care 30% coinsurance 60% coinsurance -Coverage is limited to 60 daysper benefit period -Precertificationrequired Durable medical equipment 30% coinsurance 60% coinsurance -Prior authorization may berequired for benefits to beprovided -Limits may apply other special healthneeds Hospice services 30% coinsurance 60% coinsurance Precertification required forinpatient services Questions: Call 1-877-258-3334 or visit us at www.bcbsnc.com. If you aren't clear about any of the underlinedterms used in this form, see the Glossary. You can view the Glossary atcciio.cms.gov/programs/consumer/summaryandglossary/index.html or call 1-877-258-3334 to request a copy. JY30 Page 6 Your cost* if you use a CommonMedical Event Services You May Need In-NetworkProvider Out-of-NetworkProvider Limitations & Exceptions Eye exam $30/visit Not Covered -Limits may apply Glasses No Charge upto $100, then$50 copaymentup to $300, 50%coinsurance over$300 No Charge upto $100, then$50 copaymentup to $300, 50%coinsurance over$300 -Limited to one pair of glasses orcontacts per benefit period If your child needsdental or eye care Dental check-up $25/visit $50/visit -Limited to twice per benefitperiod *HSA/HRA funds, if available, may be used to cover eligible medical expenses Questions: Call 1-877-258-3334 or visit us at www.bcbsnc.com. If you aren't clear about any of the underlinedterms used in this form, see the Glossary. You can view the Glossary atcciio.cms.gov/programs/consumer/summaryandglossary/index.html or call 1-877-258-3334 to request a copy. JY30 Page 7 Excluded Services & Other Covered Services: Services Your Plan Does NOT Cover (This isn’t a complete list. Check your policy or plan document for other excluded services .) l Acupuncture l Cosmetic surgery and services l Dental care (Adult) l Long-term care, respite care, rest cures l Routine Foot Care l Routine eye care (Adult) l Termination of Pregnancy l Weight loss programs *HSA/HRA funds, if available, may be used to cover eligible medical expenses **Self-funded groups may cover this service; check your benefit booklet for details Other Covered Services (This isn’t a complete list. Check your policy or plan document for other covered services and your costsfor these services.) l Bariatric surgery l Chiropractic care l Hearing aids up to age 22 l Infertility treatment l Non-emergency care when travelingoutside the U.S. (PPO). Coverageprovided outside the United States. Seewww.bcbsnc.com l Private duty nursing ***Self-funded groups may not cover this service; check your benefit booklet for details Questions: Call 1-877-258-3334 or visit us at www.bcbsnc.com. If you aren't clear about any of the underlinedterms used in this form, see the Glossary. You can view the Glossary atcciio.cms.gov/programs/consumer/summaryandglossary/index.html or call 1-877-258-3334 to request a copy. JY30 Page 8 Your Rights to Continue Coverage: Federal and State laws may provide protections that allow you to keep this health insurance coverage as long as you pay your premium.There are exceptions, however, such as if: l You commit fraud l The insurer stops offering services in the State l You move outside the coverage area For more information on your rights to continue coverage, contact BCBSNC at 1-800-446-8053. You may also contact your state insurancedepartment at 1201 Mail Service Center, Raleigh, NC 27699-1201, or 800-546-5664 (outside North Carolina), 919-807-6750 (in North Carolina). Your Grievance and Appeals Rights: If you have a complaint or are dissatisfied with a denial of coverage for claims under your plan, you may be able to appeal or file agrievance . For questions about your rights, this notice, or assistance, you can contact: North Carolina Department of Insurance at 1201 MailService Center, Raleigh, NC 27699-1201, or 800-546-5664 (outside North Carolina), 919-807-6750 (in North Carolina). Additionally, a consumer assistance program can help you file your appeal. Services provided by Health Insurance Smart NC are availablethrough the North Carolina Department of Insurance. Contact Health Insurance Smart NC, North Carolina Department of Insurance, 1201 MailService Center, Raleigh, NC 27699-1201, Toll free: (855) 408-1212. Does This Coverage Provide Minimum Essential Coverage? The Affordable Care Act requires most people to have health care coverage that qualifies as "minimum essential coverage". This plan orpolicy does provide minimum essential coverage. Questions: Call 1-877-258-3334 or visit us at www.bcbsnc.com. If you aren't clear about any of the underlinedterms used in this form, see the Glossary. You can view the Glossary atcciio.cms.gov/programs/consumer/summaryandglossary/index.html or call 1-877-258-3334 to request a copy. JY30 Page 9 Language Access Services: ----------------------------------------To see examples how this plan might cover costs for a sample medical situation, see the next page --------------------------------------------- Questions: Call 1-877-258-3334 or visit us at www.bcbsnc.com. If you aren't clear about any of the underlinedterms used in this form, see the Glossary. You can view the Glossary atcciio.cms.gov/programs/consumer/summaryandglossary/index.html or call 1-877-258-3334 to request a copy. JY30 Page 10 About these CoverageExamples: These examples show how this plan mightcover medical care in given situations. Usethese examples to see, in general, how muchfinancial protection a sample patient mightget if they are covered under different plans. This isnot a costestimator. Don't use these examplesto estimate your actualcosts under this plan. Theactual care you receivewill be different from theseexamples, and the costof that care also will bedifferent.See the next page forimportant informationabout these examples. Having a baby(normal delivery) n Amount owed to providers: $7,540 n Plan pays $3,200 n You pay $4,300 Sample care costs: Hospital charges (mother) $2,700 Routine obstetric care $2,100 Hospital charges (baby) $900 Anesthesia $900 Laboratory tests $500 Prescriptions $200 Radiology $200 Vaccines, other preventive $40 Total $7,540 Patient pays: Deductibles $3,000 Copays $30 Coinsurance $1,100 Limits or exclusions $200 Total $4,300 Managing type 2 diabetes(routine maintenance ofa well-controlled condition) n Amount owed to providers: $5,100 n Plan pays $3,000 n You pay $2,100 Sample care costs: Prescriptions $2,700 Medical Equipment andSupplies $1,200 Office Visits and Procedures $700 Education $300 Laboratory tests $100 Vaccines, other preventive $100 Total $5,100 Patient pays: Deductibles $900 Copays $300 Coinsurance $800 Limits or exclusions $50 Total $2,100 Questions: Call 1-877-258-3334 or visit us at www.bcbsnc.com. If you aren't clear about any of the underlinedterms used in this form, see the Glossary. You can view the Glossary atcciio.cms.gov/programs/consumer/summaryandglossary/index.html or call 1-877-258-3334 to request a copy. JY30 Page 11 Questions and answers about Coverage Examples: What are some of the assumptionsbehind the Coverage Examples? l Costs don't include premiums . l Sample care costs are based onnational averages supplied by the U.S.Department of Health and HumanServices, and aren't specific to aparticular geographic area or health plan. l Patient's condition was not an excludedor preexisting condition l All services and treatments started andended in the same coverage period. l There are no other medical expenses forany member covered under this plan. l Out-of-pocket expenses are based onlyon treating the condition in the example. l The patient received all care from in-network providers . If the patient hadreceived care from out-of-networkproviders , costs would have beenhigher. What does a Coverage Example show?For each treatment situation, the CoverageExample helps you see how deductibles ,copayments , and coinsurance can add up.It also helps you see what expenses mightbe left up to you to pay because the serviceor treatment isn’t covered or payment islimited. Does the Coverage Example predict myown care needs? 88 No. Treatments shown are just examples.The care you would receive for thiscondition could be different based onyour doctor’s advice, your age, howserious your condition is, and many otherfactors. Does the Coverage Example predict myfuture expenses? 88 No. Coverage Examples are not costestimators. You can’t use the examplesto estimate costs for an actual condition.They are for comparative purposesonly. Your own costs will be differentdepending on the care you receive, theprices your providers charge, and thereimbursement your health plan allows. Can I use Coverage Examples to compareplans? 44 Yes. When you look at the Summary ofBenefits and Coverage for other plans,you’ll find the same Coverage Examples.When you compare plans, check the“Patient Pays” box for each example. Thesmaller that number, the more coverage theplan provides. Are there other costs I should considerwhen comparing plans? 44 Yes. An important cost is the premium youpay. Generally, the lower your premium ,the more you’ll pay in out-of-pocketcosts, such as copayments , deductibles ,and coinsurance . You should consideralso contributions to accounts such ashealth savings accounts (HSAs), flexiblespending arrangements (FSAs) or healthreimbursement accounts (HRAs) that helpyou pay out-of-pocket expenses.