University of Illinois-Springfield Student Health Insurance Plan. Dear Student:

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1 University of Illinois-Springfield Student Health Insurance Plan Dear Student: Under the Affordable Care Act, all health insurers and group health plans are required to provide consumers with a Summary of Benefits and Coverage (SBC). The SBC is a summary of the benefits and health coverage offered by a particular plan. Attached is the SBC for the University of Illinois-Springfield Student Health Plan covering plans purchased between 08/01/17-08/15/18. In accordance with your College/University, coverage may be purchased for varying periods of time. The coverage periods University of Illinois-Springfield are listed below: Coverage Period Date Fall 08/16/17-01/09/18 Spring 01/10/18-05/31/18 Summer 06/01/18-08/15/18 Early Athletes 08/01/17-08/15/18 If you have any questions regarding your coverage or the length of time you purchased, please contact customer service at East Randolph Street Chicago, Illinois bcbsil.com A Division of Health Care Service Corporation, a Mutual Legal Reserve Company, an Independent Licensee of the Blue Cross and Blue Shield Association

2 Summary of Benefits and Coverage: What this Plan Covers & What You Pay For Covered Services Coverage Period: 08/16/ /15/2018 University of Illinois Springfield: Student Health Plan Coverage for: ALL Plan Type: PPO 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, call or visit 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 or call to request a copy. Important Questions Answers Why This Matters: What is the overall deductible? 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? In-Network: $400 Individual / $1,200 Family Out-of-Network: $800 Individual / $2,400 Family Yes. Certain preventive care is covered before you meet your deductible. Yes. $100 deductible for In-Network hospital admission. $100 deductible for Out-of- Network hospital admission. There are no other specific deductibles. In-Network: $6,850 Individual / $13,700 Family Out-of-Network: $13,700 Individual / $27,400 Family Premiums, balanced-billed charges, and healthcare this plan doesn t cover. Yes. See or call for a list of network providers. No. 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. 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 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. 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-ofnetwork 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. Blue Cross and Blue Shield of Illinois, a Division of Health Care Service Corporation, a Mutual Legal Reserve Company, an Independent Licensee of the Blue Cross and Blue Shield Association SBC IL PPO LG of 7

3 All copayment and coinsurance costs shown in this chart are after your deductible has been met, if a deductible applies. Common Medical Event Services You May Need In-Network Provider (You will pay the least) What You Will Pay Out-of-Network Provider (You will pay the most) Limitations, Exceptions, & Other Important Information Primary care visit to treat an injury or illness 20% coinsurance 50% coinsurance No benefits will be provided for services which are not, in the reasonable judgment of Blue Cross and Blue Shield, medically necessary. If you visit a health care provider s office or clinic Specialist visit 20% coinsurance 50% coinsurance None Preventive care/screening/ immunization No Charge; deductible does not apply 50% coinsurance 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. If you have a test Diagnostic test (x-ray, blood work) 20% coinsurance 50% coinsurance None Imaging (CT/PET scans, MRIs) 20% coinsurance 50% coinsurance None * For more information about limitations and exceptions, see the plan or policy document at 2 of 7

4 Common Medical Event Services You May Need In-Network Provider (You will pay the least) What You Will Pay Out-of-Network Provider (You will pay the most) Limitations, Exceptions, & Other Important Information If you need drugs to treat your illness or condition More information about prescription drug coverage is available at Generic drugs Preferred brand drugs Non-preferred brand drugs $10 copay/prescription $10 copay/prescription (mail order) $30 copay/prescription $30 copay/prescription (mail order) $60 copay/prescription $60 copay/prescription (mail order) $10 copay/prescription $30 copay/prescription $60 copay/prescription Retail covers a 30 day supply. Mail Order is available up to 90 days with 1 copay per 30 days. For Out-of-Network drug provider, you are responsible for 50% of the eligible amount after the copay. Certain women s preventive services will be covered with no cost to the member. For a full list of these prescriptions and/or services, please contact Customer Service. Specialty drugs $10/$30/$60 copay/prescription $10/$30/$60 copay/prescription plus 50% coinsurance None If you have outpatient surgery If you need immediate medical attention Facility fee (e.g., ambulatory surgery center) 20% coinsurance 50% coinsurance None Physician/surgeon fees 20% coinsurance 50% coinsurance None Emergency room care Emergency room $50 copay plus Emergency room services 20% coinsurance. Emergency room $50 copay plus Emergency room services 20% coinsurance. Emergency medical transportation 20% coinsurance 20% coinsurance None Copay waived if admitted. Non-emergency use of the emergency room is 50% coinsurance after deductible and copay Out-of-Network. Urgent care 20% coinsurance 50% coinsurance None * For more information about limitations and exceptions, see the plan or policy document at 3 of 7

5 Common Medical Event If you have a hospital stay If you need mental health, behavioral health, or substance abuse services If you are pregnant If you need help recovering or have other special health needs Services You May Need In-Network Provider (You will pay the least) What You Will Pay Out-of-Network Provider (You will pay the most) Facility fee (e.g., hospital room) 20% coinsurance 50% coinsurance Physician/surgeon fees 20% coinsurance 50% coinsurance None Outpatient services 20% coinsurance 50% coinsurance None Inpatient services 20% coinsurance 50% coinsurance Limitations, Exceptions, & Other Important Information $100 deductible per admission for In-Network providers. $100 deductible per admission for Out-of- Network providers. $100 deductible per admission for In-Network providers. $100 deductible per admission for Out-of- Network providers. Office visits 20% coinsurance 50% coinsurance Cost sharing does not apply for preventive services. Depending on the type of services, Childbirth/delivery professional services 20% coinsurance 50% coinsurance Childbirth/delivery facility services 20% coinsurance 50% coinsurance Home health care 20% coinsurance 50% coinsurance None Rehabilitation services 20% coinsurance 50% coinsurance Habilitation services 20% coinsurance 50% coinsurance a copayment, coinsurance, or deductible may apply. Maternity care may include tests and services described elsewhere in the SBC (i.e. ultrasound.) $100 deductible per admission for In-Network providers. $100 deductible per admission for Out-of- Network providers. None Skilled nursing care 20% coinsurance 50% coinsurance None Durable medical equipment 20% coinsurance 50% coinsurance Hospice services 20% coinsurance 50% coinsurance None Benefits are limited to items used to serve a medical purpose. DME benefits are provided for both purchase and rental equipment (up to the purchase price). * For more information about limitations and exceptions, see the plan or policy document at 4 of 7

6 Common Medical Event Services You May Need In-Network Provider (You will pay the least) What You Will Pay Out-of-Network Provider (You will pay the most) Limitations, Exceptions, & Other Important Information If your child needs dental or eye care Children s eye exam Covered Covered Refer to benefits booklet for details Children s glasses Covered Covered Refer to benefits booklet for details Children s dental check-up Covered Covered Refer to benefits booklet for details Excluded Services & Other Covered Services: 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 Cosmetic Surgery Dental care (Adult) Long term care Routine eye care (Adult) Other Covered Services (Limitations may apply to these services. This isn t a complete list. Please see your plan document.) Bariatric surgery Chiropractic care Hearing aids (limited coverage for children) Infertility treatment Most coverage provided outside the United States. See Routine foot care (with the exception of person with diagnosis of diabetes) Weight loss programs Non-emergency care when traveling outside the U.S Private-duty nursing (with the exception of inpatient private-duty nursing) 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: the plan at You may also contact your state insurance department at 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 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: Illinois Department of Insurance at (877) or visit * For more information about limitations and exceptions, see the plan or policy document at 5 of 7

7 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. Does this plan meet the 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. Language Access Services: Spanish (Español): Para obtener asistencia en Español, llame al Tagalog (Tagalog): Kung kailangan ninyo ang tulong sa Tagalog tumawag sa Chinese ( 中文 ): 如果需要中文的帮助, 请拨打这个号码 Navajo (Dine): Dinek'ehgo shika at'ohwol ninisingo, kwiijigo holne' 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 6 of 7

8 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) Managing Joe s type 2 Diabetes (a year of routine in-network care of a wellcontrolled condition) Mia s Simple Fracture (in-network emergency room visit and follow up care) The plan s overall deductible $400 Specialist coinsurance 20% Hospital (facility) coinsurance 20% Other coinsurance 20% 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) Total Example Cost $12,700 In this example, Peg would pay: Cost Sharing Deductibles $500 Copayments $30 Coinsurance $2,400 What isn t covered Limits or exclusions $60 The total Peg would pay is $2,990 The plan s overall deductible $400 Specialist coinsurance 20% Hospital (facility) coinsurance 20% Other coinsurance 20% 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) Total Example Cost $7,400 In this example, Joe would pay: Cost Sharing Deductibles $400 Copayments $700 Coinsurance $500 What isn t covered Limits or exclusions $60 The total Joe would pay is $1,660 The plan s overall deductible $400 Specialist coinsurance 20% Hospital (facility) coinsurance 20% Other coinsurance 20% 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 $2,000 In this example, Mia would pay: Cost Sharing Deductibles $400 Copayments $0 Coinsurance $300 What isn t covered Limits or exclusions $0 The total Mia would pay is $700 The plan would be responsible for the other costs of these EXAMPLE covered services. 7 of 7

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10 Health care coverage is important for everyone. We provide free communication aids and services for anyone with a disability or who needs language assistance. We do not discriminate on the basis of race, color, national origin, sex, gender identity, age or disability. To receive language or communication assistance free of charge, please call us at If you believe we have failed to provide a service, or think we have discriminated in another way, contact us to file a grievance. Office of Civil Rights Coordinator Phone: (voic ) 300 E. Randolph St. TTY/TDD: th Floor Fax: Chicago, Illinois CivilRightsCoordinator@hcsc.net You may file a civil rights complaint with the U.S. Department of Health and Human Services, Office for Civil Rights, at: U.S. Dept. of Health & Human Services Phone: Independence Avenue SW TTY/TDD: Room 509F, HHH Building 1019 Complaint Portal: Washington, DC Complaint Forms: