ROCHESTER REGIONAL HEALTH SYSTEM Excellus BCBS: Simply Blue CDHP

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1 Summary of Benefits and Coverage: What this Plan Covers & What You Pay For Covered Services ROCHESTER REGIONAL HEALTH SYSTEM Excellus BCBS: Simply Blue CDHP Coverage Period: 01/01/ /31/2018 A nonprofit independent licensee of the BlueCross BlueShield Association Coverage for: Ind/Family Plan Type: CDHP 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 Our website at 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 or call to request a copy. Important Questions Answers Why This Matters: Preferred Provider: $1,500 Individual/$3,000 What is the overall deductible? Family; Non-Preferred Provider: $1,500 Generally, you must pay all of the costs from providers up to the deductible amount before this plan begins to pay. If Individual/$3,000 Family; Out-of-Network: you have other family members on the policy, the overall family deductible must be met before the plan begins to pay. $1,500 Individual/$3,000 Family 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 outof-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 Preferred Provider: $3,000 Individual/$6,000 Family; Non-Preferred Provider: $6,000 Individual/$12,000 Family; Out-of-Network: $9,000 Individual/$18,000 Family Penalties for failure to obtain preauthorization for services, premiums, balance billing charges, and health care this plan doesn't cover. Yes. See or call 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 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, the overall family out-of-pocket limit must be met. Even though you pay these expenses, they don't count toward the out-of-pocket limit. You pay the least if you use a provider in Preferred Provider network. You pay more if you use a provider in Non- Preferred Provider 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 of 5

2 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 If you need drugs to treat your illness or condition More information about prescription drug coverage is available at If you have outpatient surgery Services You May Need Primary care visit to treat an injury or illness Preferred Provider (You will pay the least) What You Will Pay Non-Preferred Provider (You will pay more) Out-of-Network Provider (You will pay the most) 10% Coinsurance 20% Coinsurance 50% Coinsurance Specialist visit 10% Coinsurance 20% Coinsurance 50% Coinsurance Preventive care/screening/ immunization Diagnostic test (x-ray, blood work) Imaging (CT/PET scans, MRIs) Tier 1 (Generic drugs) Tier 2 (Preferred brand drugs) Tier 3 (Non-preferred brand drugs) Adult Physical: No Charge Adult Immunizations: No Charge Well Child Visit: No Charge Adult Physical: No Charge Adult Immunizations: No Charge Well Child Visit: No Charge Adult Physical: 50% Coinsurance Adult Immunizations: 50% Coinsurance Well Child Visit: 50% Coinsurance None 10% Coinsurance 40% Coinsurance 50% Coinsurance None 10% Coinsurance $10/prescription retail, $30/prescription mail $30/prescription retail, $90/prescription mail $50/prescription retail, $150/prescription mail 20% Coinsurance $25/prescription retail, $75/prescription mail $50/prescription retail, $150/prescription mail $90/prescription retail, $270/prescription mail 50% Coinsurance Not Covered Not Covered Not Covered Facility fee (e.g., ambulatory surgery center) 10% Coinsurance 40% Coinsurance 50% Coinsurance None Physician/surgeon fees 10% Coinsurance 20% Coinsurance 50% Coinsurance If you need immediate Emergency room care 10% Coinsurance 20% Coinsurance 20% Coinsurance None Limitations, Exceptions, & Other Important Information 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. 1 Exam Per Plan Year Preauthorization Required. If you don't get a preauthorization, benefits will be reduced by 50% up to maximum of $500. Covers up to a 90-day supply (retail prescription);90-day supply (mail prescription) Preauthorization required. If you don't get a preauthorization, you must pay the entire cost and submit a claim to us for reimbursement. * For more information about limitations and exceptions, see plan or policy document at 2 of 5

3 Common Medical Event medical attention 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 If your child needs dental or eye care What You Will Pay Services You May Need Limitations, Exceptions, & Other Important Preferred Provider Non-Preferred Out-of-Network Information (You will pay the least) Provider Provider (You will pay more) (You will pay the most) Emergency medical transportation Not Available 10% Coinsurance 10% Coinsurance None Urgent care 10% Coinsurance 20% Coinsurance 50% Coinsurance None Facility fee (e.g., hospital room) 10% Coinsurance 40% Coinsurance 50% Coinsurance Physician/surgeon fees 10% Coinsurance 20% Coinsurance 50% Coinsurance Outpatient services 10% Coinsurance 40% Coinsurance 50% Coinsurance Inpatient services 10% Coinsurance 40% Coinsurance 50% Coinsurance Office visits No Charge No Charge 50% Coinsurance Cost sharing does not apply for preventive services. Childbirth/delivery No Charge No Charge 50% Coinsurance professional services Childbirth/delivery facility None 10% Coinsurance 40% Coinsurance 50% Coinsurance services Home health care 10% Coinsurance 20% Coinsurance 50% Coinsurance None Rehabilitation services 10% Coinsurance 40% Coinsurance 50% Coinsurance 30 Visits Per Plan Year limit Habilitation services 10% Coinsurance 40% Coinsurance 50% Coinsurance 30 Visits Per Plan Year limit Skilled nursing care 10% Coinsurance 40% Coinsurance 50% Coinsurance 120 Days Per Plan Year limit Durable medical equipment Not Available 10% Coinsurance 50% Coinsurance Hospice services 10% Coinsurance 40% Coinsurance 50% Coinsurance Children s eye exam No Charge No Charge 50% Coinsurance 1 Exam Per Plan Year Children s glasses Up to $60 reimbursement Up to $60 reimbursement 50% Coinsurance Children s dental check-up Not Covered Not Covered Not Covered None None None Preauthorization Required for DME over $200. If you don't get a preauthorization, benefits will be reduced by 50% up to maximum of $500. Family bereavement counseling limited to 5 Visits Per Plan Year Limited to one purchase Per Plan Year * For more information about limitations and exceptions, see plan or policy document at 3 of 5

4 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.) Cosmetic surgery Dental care (Adult) Dental care (Child) Long-term care Private-duty nursing Weight loss programs Other Covered Services (Limitations may apply to these services. This isn t a complete list. Please see your plan document.) Acupuncture Bariatric surgery Chiropractic care Hearing aids Infertility treatment Non-emergency care when traveling outside the U.S. Routine eye care (Adult) 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 EBSA (3272) or 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: the phone number on Your ID card or Department of Labor s Employee Benefits Security Administration at EBSA (3272) or New York State Department of Financial Services Consumer Assistance Unit at or Additionally, a consumer assistance program can help you file your appeal. Contact the Consumer Assistance Program at , or or A list of states with Consumer Assistance Programs is available at: and 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. 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 plan or policy document at 4 of 5

5 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 Managing Joe s type 2 Diabetes Mia s Simple Fracture (9 months of in-network pre-natal care and a hospital delivery) (a year of routine in-network care of a well-controlled condition) (in-network emergency room visit and follow up care) The plan's overall deductible $1,500 The plan's overall deductible $1,500 The plan's overall deductible $1,500 Coinsurance 10% Coinsurance 10% Coinsurance 10% Hospital (facility) coinsurance 10% Hospital (facility) coinsurance 10% Hospital (facility) coinsurance 10% 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 $12,820 Total Example Cost $7,460 Total Example Cost $1,970 In this example, Peg would pay: In this example, Joe would pay: In this example, Mia would pay: Cost Sharing Cost Sharing Cost Sharing Deductibles $1,500 Deductibles $1,500 Deductibles $1,130 Copayments $20 Copayments $150 Copayments $0 Coinsurance $1,000 Coinsurance $540 Coinsurance $0 What isn t covered What isn t covered What isn t covered Limits or exclusions $60 Limits or exclusions $60 Limits or exclusions $790 The total Peg would pay is $2,580 The total Joe would pay is $2,250 The total Mia would pay is $1,920 The plan would be responsible for the other costs of these EXAMPLE covered services. 5 of 5

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Coverage Period: 01/01/ /31/2019 A nonprofit independent licensee of the BlueCross BlueShield Association

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