Medical Benefit Highlights - Haverford College...Tagalog, magagamit mo ang mga serbisyo na tulong sa...
Transcript of Medical Benefit Highlights - Haverford College...Tagalog, magagamit mo ang mga serbisyo na tulong sa...
Independence @1
Medical Benefit HighlightsPersonal Choice HDHP HDl-HCI Haverford College
Covered Services
Benefits per Calendar YearDeductible (Aggregate)1
Individual/Family
Out-of-Pocket Maximum (Embedded)2Individual/Family
Coinsurance
Your Costs (You pay)Out-of-NetworkIn-Network
$1 ,500/$3,000 $5,000/$10.000
$6 ,350/$ 12,700
0%
$10,000/$20,00050%
Preventive ServicesPreventive Care
Preventive ColonoscopyPreventive Plus Providers
Hospital Based
In-Network
No charge no deductibleOut-of-Work50% no deductible
No charge no deductibleNo charge no deductible
Not covered50% no deductible
Physician ServicesPrimary Care Physician (PCP) Office Visit
Specialist Office VisitRetail Health Clinic Visit
Urgent Care Visit
In-Network
No charge after deductibleNo charge after deductibleNo charge after deductibleNo charge after deductible
Out-of-Network50% after deductible
50% after deductible
50% after deductible50% after deductible
Virtual Care3Telemedicine
TeledermatologyTelebehavioral Health
In-Network
No charge after deductibleNo charge after deductibleNo charge after deductible
Out-of-NetworkNot coveredNot coveredNot covered
Therapy ServicesPhysical Therapy (60 visits/year)4
Freestanding
Hospital BasedOccupational Therapy (60 visits/year)4
Freestanding
Hospital BasedSpeech Therapy (60 visits/year)5
In-Network Out-of-Network
No charge after deductible
No charge after deductible
50% after deductible
50% after deductible
No charge after deductibleNo charge after deductibleNo charge after deductible
50% after deductible
50% after deductible50% after deductible
Emergency ServicesEmergency Room
Emergency Ambulance
Non-Emergency Ambulance
In-Network
No charge after deductibleNo charge after deductibleNo charge after deductible
Out-of-NetworkCovered at In-Network level
Covered at In-Network level50% after deductible
Reference ID: 1004082301012021
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Hospital ServicesInpatient Hospital Services (In-Network:365 days/year; Out-of-Network: 70 days/year)6Observation Services
Maternity Hospital Services6Inpatient ProfessIonal Services (includesMaternity)
In-Network
No charge after deductible
Out-of-Network50% after deductible
No charge after deductibleNo charge after deductibleNo charge after deductible
50% after deductible
50% after deductible
50% after deductible
Outpatient SurgeryFreestanding
Hospital BasedOutpatient Professional Services
In-Network
No charge after deductibleNo charge after deductibleNo charge after deductible
Out-of-Network50% after deductible
50% after deductible
50% after deductible
Outpatient DiagnosticsDiagnostic Medical (EKG)Routine Radiotogy (X-Ray)
Freestanding
Hospital Based
Advanced Imaging (MRI/MRA,CT/CTAScan, PET Scan)
Freestanding
Hospital Based
In-Network
No charge after deductible
Out-of-Network50% after deductible
No charge after deductibleNo charge after deductible
50% after deductible
50% after deductible
No charge after deductibleNo charge after deductible
50% after deductible
50% after deductible
Outpatient Lab and PathologyFreestanding
Hospital Based
In-Network
No charge after deductibleNo charge after deductible
Out-of-Network50% after deductible
50% after deductible
Other Medical Services
Spinal Manipulations (20 visits/year)5Acupuncture (18 visits/year)5
Standard InjectablesAllergy InjectionsBiotech/Specialty Injectables
Home/Office
OutpatientChemotherapy
Dialysis
Skilled Nursing Facility (120 days/year)5Home Health
Hospice
Durable Medical Equipment (DME)
In-Network
No charge after deductibleNo charge after deductible
No charge after deductible
No charge after deductible
Out-of-Network50% after deductible50% after deductible50% after deductible50% after deductible
No charge after deductibleNo charge after deductibleNo charge after deductibleNo charge after deductibleNo charge after deductibleNo charge after deductibleNo charge after deductibleNo charge after deductible
50% after deductible
50% after deductible
50% after deductible
50% after deductible
50% after deductible
50% after deductible
50% after deductible
50% after deductible
Reference ID: 1004082301012021
Independence @I
Mental Health – Outpatient (includesserious mental illness and substanceabuse)
Mental Health - Inpatient (includesserious mental illness and substanceabuse)6
No charge after deductible 50% after deductible
No charge after deductible 50% after deductible
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3
4
5
6
Aggregate deductible: For family coverage, the entire family deductible must be met before copayments or coinsurance are applied for anindividual member.
Embedded out-of-pocket maximum: Each covered family member only needs to satisfy his or her individual out-of-pocket maximum, not the entirefamily out-of-pocket maximum
Telemedicine is provided by a designated telemedicine provider, please visit www.ibx.com/findcarenow.
Physical Therapy, Occupational Therapy, and Cognitive Therapy combined visit limit in and out-of-network
Combined in and out-of-network.
Inpatient hospital out-of-network day limit combined for all inpatient medical, maternity, mental health, serious mental illness, and substance abuseservices
The Personal Choice(B) Preferred Provider Organization (PPO) gives you freedom of choice by allowing you to select your own doctors and hospitalsYou maximize your coverage by accessing care through Personal Choice's network of hospitals, doctors, and specialists, or by accessing care throughpreferred providers who participate in the Blue(_,ard® PPO program. If you access care from a provider who does not participate in our network, you willhave higher out-of-pocket costs and may have to submit your claim for reimbursement
This summary represents only a partial listing of benefits and exclusions of the Medical Program described in this summary. If your employerpurchases another program, the benefits and exclusions may differ. Also, benefits and exclusions may be further defined by medical policy. As a resultthis managed care plan may not cover all of your health care expenses. Read your contract/member benefit booklet carefully for a complete listing ofterms, limitations, and exclusions of the program. For more information about your coverage, or to get a copy of the complete terms of coverage, visitwww.ibx.com/LGBooklet or call 1-800-ASK-BLUE (TTY: 71 1 )
Benefits may be changed by Independence Blue Cross to comply with applicable federal/state laws and regulations
Certain services require preapproval/precertification by the health plan prior to being performed. To obtain a list of services that require authorizationplease log on to http://www.ibx.com/preapproval or call the phone number that is listed on the back of your identification card
Benefits underwritten or administered by QCC Insurance Company, a subsidiary of Independence Blue Cross - Independent licensees of the BlueCross and Blue Shield Association. www.ibx.com
Reference ID: 1004082301012021
Independence @I
Drug Benefit HighlightsPersonal Choice HDHP HDl-HCI Haverford College Rx
Covered Services
Benefits per Calendar YearDeductible
Individual/FamilyOut-of-Pocket Maximum
Individual/Family
Formulary
Your Costs (You pay)In-Network Out-of-Network
Medical deductible applies. Medical deductible applies.
Combined with Medical Combined with Medical
Select
Retail PharmacyTier 1 Generic Drugs
In-Network$5 after deductible
Out-of-Network50% Reimbursement afterdeductible
50% Reimbursement afterdeductible
50% Reimbursement afterdeductible
30 day supply max
Tier 2 Preferred Brand $20 after deductible
Tier 3 Non-Preferred Drugs $45 after deductible
Dispensing Limits 30 day supply max
Mail Order PharmacyAvailable for maintenance drugsTier 1 Generic DrugsTier 2 Preferred Brand Drugs
Tier 3 Non-Preferred Drugs
Dispensing Limits1
In-Network Out-of-Network
$10 after deductible
$40 after deductible
$90 after deductible
90 day supply max
Not coveredNot coveredNot coveredNot covered
Drug CoverageACA Preventive Drugs2Compound Medications
Contraceptives
Diabetic Supplies (i.e., test strips)
Glucometers (no copaymenUcoinsurance requiredat participating pharmacies after deductible)Insulin
Insulin Needles and Syringes
Lancets (no copayment/coinsurance required atparticipating pharmacies after deductible)
Prescribed Tobacco Cessation Drugs (RX and OTC)
Retin-A (up to Age 35)
Allergy SerumI
Blood, Blood Plasma
r
In-NetworkCovered
Covered
Covered
Covered
Covered
Out-of-NetworkCovered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
CoveredCovered
Not coveredNot coveredNot coveredNot covered
Covered
Covered
Not covered
Not covered
Not covered
Not covered
Reference ID: 1004082801012021
Independence @Immunization Agents Not covered Not covered
Injectable Fertility Drugs Not covered Not covered
Non-Federal Legend DrugsOver-The-Counter Drugs (Non-Prescription)
Not covered Not coveredNot covered
Not covered
Not coveredNot coveredWeight Control Drugs
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Up to a 90-day supply of drugs to treat chronic conditions available at any participating retail pharmacy or mail for same cost share
Certain designated preventative medications will not be subject to any cost-sharing or deductibles, but will be subject to the terms and conditionsof your benefits contract. Refer to your summary of benefits, member handbook, and/or benefit booklet to determine if your plan includes 100percent coverage for in-network preventive services.
This summary represents only a partial listing of benefits and exclusions of the Prescription Drug Program described in this summary. If your employerpurchases another program, the benefits and exclusions may differ. Also, benefits and exclusions may be further defined by pharmacy policy. As aresult, this program may not cover all of your health care expenses. Read your contract/member benefit booklet carefully for a complete listing ofterms, limitations, and exclusions of the program. For more information about your coverage, or to get a copy of the complete terms of coverage, visitwww.ibx.com/LGBooklet or call 1-800-ASK-BLUE (TTY: 71 1),
Any prescription refilled in excess of the number of refills specified by the physician, or any refill dispensed after one year from the physician's originalorder are not covered. Devices or supplies except those specifically listed under covered drugs are not covered. Drugs used to treat hemophilia arenot covered
All covered self-administered specialty medications except insulin will be provided through the convenient Specialty Pharmacy Program for theappropriate cost sharing indicated above. If your doctor wants you to start the drug immediately, an initial 30-day supply may be obtained at a retailpharmacy. However, all subsequent fills must be purchased through the Specialty Pharmacy Program
FutureScripts® network includes more than 65,000 retail pharmacies. You can locate a participating pharmacy near you on www.ibx.com byselecting the Find a Participating Pharmacy featureFutureScripts® is an independent company providing pharmacy benefit management service.
Benefits underwritten or administered by QCC Insurance Company, a subsidiary of Independence Blue Cross - Independent licensees of the BlueCross and Blue Shield Association. www.ibx.com
Reference ID: 1004082801012021
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Din6 Bizaad, saad bee £ka’anfda’iwo’dee’, t’ai jiik’eh.H6dfflnih koji’ 1-800-275-2583.Italian: ATTENZIONE: Se lei parla italiano, sono
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YO041 HM_17_47643 Accepted 10/14/2016 Taglines as of 1 0/14/2016
Discrimination is Against the Law
This Plan complies with applicable Federal civil rightslaws and does not discriminate on the basis of race,color, national origin, age, disability, or sex. This Plandoes not exclude people or treat them differentlybecause of race, color, national origin, age, disability,or sex.
If you need these services, contact our Civil RightsCoordinator. If you believe that This Plan has failedto provide these services or discriminated in anotherway on the basis of race, color, national origin, age,disability, or sex, you can file a grievance with our CivilRights Coordinator. You can file a grievance in thefollowing ways: in person or by mail: ATTN: CivilRights Coordinator, 1 901 Market Street,Philadelphia, PA 19103, By phone: 1-888-377-3933 (TTY: 711) By fax: 215-761-0245, By email:civilrightscoordinator@ 1901 market.com. If you needhelp filing a grievance, our Civil Rights Coordinator isavailable to help you
This Plan provides:• Free aids and services to people with disabilities
to communicate effectively with us, such as:qualified sign language interpreters, and writteninformation in other formats (large print, audio,accessible electronic formats, other formats).
• Free language services to people whoseprimary language is not English, such as:qualified interpreters and information written inother languages.
You can also file a civil rights complaint with the U.SDepartment of Health and Human Services, Office forCivil Rights electronically through the Office for CivilRights Complaint Portal, available athttps://ocrportal.hhs.qov/ocr/portal/lobbv,jsf or by mailor phone at: U.S. Department of Health and HumanServices, 200 Independence Avenue SW., Room509F, HHH Building, Washington, DC 20201, 1-800-368-1019, 800-537-7697 (TDD). Complaint forms areavailable athttp://www . h hs, gov/ocr/office/file/index, html .
YO041 HM 17 47643 Accepted 10/14/2016 Taglines as of 1 0/14/2016