Important Questions Answers Why this Matters: What is the overall deductible?

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1 This is only a summary. If you wt more detail about your coverage d costs, you c get the complete terms in the policy or pl document at or by calling Importt Questions Answers Why this Matters: What is the overall deductible? Are there other deductibles for specific services? Is there out of pocket limit on my expenses? What is not included in the out of pocket limit? Is there overall nual limit on what the pl pays? Does this pl use a network of providers? Do I need a referral to see a specialist? Are there services this pl doesn t cover? $100 individual (waived at the Student Health Center/reduced to $25 if referred by Student Health Center). Does not apply to preventive care or prescription drugs No. Yes. $5,000 individual/$10,000 family Premiums, balce-billed charges, d health care this pl doesn t cover. No. Yes. For a list of In-Network providers, see or call Yes, for students only, a Student Health Center referral is required before benefits are payable Yes. You must pay all the costs up to the deductible amount before this pl begins to pay for covered services you use. Check your policy or pl document to see when the deductible starts over (usually, but not always, Juary 1st). See the chart starting on page 2 for how much you pay for covered services after you meet the deductible. You don t have to meet deductibles for specific services, but see the chart starting on page 2 for other costs for services this pl covers. 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 helps you pl for health care expenses. Even though you pay these expenses, they don t count toward the out of pocket limit. The chart starting on page 2 describes y limits on what the pl will pay for specific covered services, such as office visits. If you use in-network doctor or other health care provider, this pl will pay some or all of the costs of covered services. Be aware, your in-network doctor or hospital may use out-of-network provider for some services. Pls use the term in-network, preferred, or participating for providers in their network. See the chart starting on page 2 for how this pl pays different kinds of providers. This pl will pay some or all of the costs to see a specialist for covered services but only if you have the pl s permission before you see the specialist. Some of the services this pl doesn t cover are listed on page 5. See your policy or pl document for additional information about excluded services. 1 of 88

2 Copayments are fixed dollar amounts (for example, $15) you pay for covered health care, usually when you receive the service. Coinsurce is your share of the costs of a covered service, calculated as a percent of the allowed amount for the service. For example, if the pl s allowed amount for overnight hospital stay is $1,000, your coinsurce payment of 20% would be $200. This may chge if you haven t met your deductible. The amount the pl pays for covered services is based on the allowed amount. If out-of-network provider charges more th the allowed amount, you may have to pay the difference. For example, if out-of-network hospital charges $1,500 for overnight stay d the allowed amount is $1,000, you may have to pay the $500 difference. (This is called balce billing.) This pl may encourage you to use In-Network providers by charging you lower deductibles, copayments d coinsurce amounts. Common Medical Event If you visit a health care provider s office or clinic If you have a test Services You May Need Your Cost If You Use a Student Health Center In-network Primary care visit to treat injury or illness No charge 0% coinsurce after $25 Specialist visit No charge 0% coinsurce after $25 Other practitioner office No charge 0% coinsurce after $25 visit Preventive care/screening/ immunization Diagnostic test (x-ray, blood work) Imaging (CT/PET scs, MRIs) Out-of-network 30% coinsurce after $25 30% coinsurce after $25 30% coinsurce after $25 No charge No charge 30% coinsurce subject to deductible d copayments Limitations & Exceptions No charge 0% coinsurce 30% coinsurce Not covered 0% coinsurce 30% coinsurce 2 of 88

3 Common Medical Event If you need drugs to treat your illness or condition More information about prescription drug coverage is available at com/smc If you have outpatient surgery If you need immediate medical attention If you have a hospital stay Services You May Need Your Cost If You Use a Student Health Center In-network Out-of-network Limitations & Exceptions Generic drugs Not covered 50% coinsurce 50% coinsurce Limited to 30-day supply during a 20 day period Preferred brd drugs Not covered 50% coinsurce 50% coinsurce Limited to 30-day supply during a 20 day period Non-preferred brd drugs Not covered 50% coinsurce 50% coinsurce Limited to 30-day supply during a 20 day period Specialty drugs Not covered 50% coinsurce 50% coinsurce Limited to 30-day supply during a 20 day period Facility fee (e.g., Not covered 0% coinsurce 30% coinsurce ambulatory surgery center) Physici/surgeon fees Not covered 0% coinsurce 30% coinsurce Emergency room services Not covered 0% coinsurce after $50 0% coinsurce after $50 Emergency medical Not covered 0% coinsurce 0% coinsurce trsportation Urgent care Not covered 0% coinsurce after $25 30% coinsurce after $25 Facility fee (e.g., hospital Not covered 0% coinsurce after $75 30% coinsurce after $75 room) copayment/policy year copayment/policy year Physici/surgeon fee Not covered 0% coinsurce 30% coinsurce Copayment does not apply if you are admitted to the hospital as inpatient. 3 of 88

4 Common Medical Event If you have mental health, behavioral health, or substce abuse needs If you are pregnt If you need help recovering or have other special health needs If your child needs dental or eye care Services You May Need Your Cost If You Use a Student Health Center In-network Out-of-network Limitations & Exceptions Mental/Behavioral health No charge 0% coinsurce after $25 30% coinsurce after $25 outpatient services Mental/Behavioral health Not covered 0% coinsurce after $75 30% coinsurce after $75 inpatient services copayment/policy year copayment/policy year Substce use disorder No charge 0% coinsurce after $25 30% coinsurce after $25 outpatient services Substce use disorder inpatient services Not covered 0% coinsurce after $75 copayment/policy year 30% coinsurce after $75 copayment/policy year Prenatal d postnatal Not covered No charge 30% coinsurce care Delivery d all inpatient Not covered 0% coinsurce after $75 30% coinsurce after $75 services copayment/policy year copayment/policy year Home health care Not covered 0% coinsurce 30% coinsurce Rehabilitation services No charge 0% coinsurce after $25 30% coinsurce after $25 Habilitation services No charge 0% coinsurce after $25 30% coinsurce after $25 Skilled nursing care Not covered 0% coinsurce after $25 30% coinsurce after $25 copayment/confinement copayment/confinement Durable medical Not covered 0% coinsurce 30% coinsurce equipment Hospice service Not covered 0% coinsurce 30% coinsurce Eye exam Not covered 0% coinsurce after $25 0% coinsurce after $25 Limited to 1 exam/policy year 4 of 88

5 Common Medical Event Services You May Need Your Cost If You Use a Student Health Center In-network Glasses Not covered 40% coinsurce after $25 Dental check-up Not covered 0% coinsurce after $25 Out-of-network 40% coinsurce after $25 0% coinsurce after $25 Limitations & Exceptions Limited to 1 pair (lenses/frames or contact lenses in lieu lenses d frames)/policy year Limit 2 checkup/policy year Excluded Services & Other Covered Services: Services Your Pl Does NOT Cover (This isn t a complete list. Check your policy or pl document for other excluded services.) Cosmetic surgery Dental care (Adult) Infertility treatment Long-term care Routine foot care Other Covered Services (This isn t a complete list. Check your policy or pl document for other covered services d your costs for these services.) Acupuncture Bariatric surgery Chiropractic care Hearing aids Non-emergency care when traveling outside the U.S. Private-duty nursing Routine eye care (Adult) Weight loss programs 5 of 88

6 Your Rights to Continue Coverage: Federal d State laws may provide protections that allow you to keep this health insurce coverage as long as you pay your premium. There are exceptions, however, such as if: You commit fraud The insurer stops offering services in the State You move outside the coverage area For more information on your rights to continue coverage, contact the insurer by calling You may also contact your state insurce department at Your Grievce d Appeals Rights: If you have a complaint or are dissatisfied with a denial of coverage for claims under your pl, you may be able to appeal or file a grievce. For questions about your rights, this notice, or assistce, you c contact: Personal Insurce Administrators, Inc., P.O. Box 6040, Agoura Hills, CA You may also contact your state insurce department at California Department of Insurce, 300 S. Spring Street, Los Angeles, CA 90013, or the U.S. Department of Labor, Employee Benefits Security Administration at or or the U.S Department of Health d Hum Services at x or 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 pl or policy does provide minimum essential coverage. Does this Coverage Meet the Minimum Value Stdard? The Affordable Care Act establishes a minimum value stdard of benefits of a health pl. The minimum value stdard is 60% (actuarial value). This health coverage does meet the minimum value stdard for the benefits it provides. To see examples of how this pl might cover costs for a sample medical situation, see the next page. 6 of 88

7 About these Coverage Examples: These examples show how this pl might cover medical care in given situations. Use these examples to see, in general, how much fincial protection a sample patient might get if they are covered under different pls. This is not a cost estimator. Don t use these examples to estimate your actual costs under this pl. The actual care you receive will be different from these examples, d the cost of that care will also be different. See the next page for importt information about these examples. Having a baby (normal delivery) Amount owed to providers: $7,540 Pl pays $6,730 Patient pays $810 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 $100 Copays $500 Coinsurce $10 Limits or exclusions $200 Total $810 Maging type 2 diabetes (routine maintence of a well-controlled condition) Amount owed to providers: $5,400 Pl pays $3,520 Patient pays $1,880 Sample care costs: Prescriptions $2,900 Medical Equipment d Supplies $1,300 Office Visits d Procedures $700 Education $300 Laboratory tests $100 Vaccines, other preventive $100 Total $5,400 Patient pays: Deductibles $100 Copays $300 Coinsurce $1,400 Limits or exclusions $80 Total $1,880 7 of 88

8 Questions d swers about the Coverage Examples: What are some of the assumptions behind the Coverage Examples? Costs don t include premiums. Sample care costs are based on national averages supplied by the U.S. Department of Health d Hum Services, d aren t specific to a particular geographic area or health pl. The patient s condition was not excluded or preexisting condition. All services d treatments started d ended in the same coverage period. There are no other medical expenses for y member covered under this pl. Out-of-pocket expenses are based only on treating the condition in the example. The patient received all care from innetwork providers. If the patient had received care from out-of-network providers, costs would have been higher. What does a Coverage Example show? For each treatment situation, the Coverage Example helps you see how deductibles, copayments, d coinsurce c add up. It also helps you see what expenses might be left up to you to pay because the service or treatment isn t covered or payment is limited. Does the Coverage Example predict my own care needs? No. Treatments shown are just examples. The care you would receive for this condition could be different based on your doctor s advice, your age, how serious your condition is, d my other factors. Does the Coverage Example predict my future expenses? No. Coverage Examples are not cost estimators. You c t use the examples to estimate costs for actual condition. They are for comparative purposes only. Your own costs will be different depending on the care you receive, the prices your providers charge, d the reimbursement your health pl allows. C I use Coverage Examples to compare pls? Yes. When you look at the Summary of Benefits d Coverage for other pls, you ll find the same Coverage Examples. When you compare pls, check the Patient Pays box in each example. The smaller that number, the more coverage the pl provides. Are there other costs I should consider when comparing pls? Yes. An importt cost is the premium you pay. Generally, the lower your premium, the more you ll pay in out-ofpocket costs, such as copayments, deductibles, d coinsurce. You should also consider contributions to accounts such as health savings accounts (HSAs), flexible spending arrgements (FSAs) or health reimbursement accounts (HRAs) that help you pay out-of-pocket expenses. 8 of 88