Memorial Hermann Health Insurance Co.: Select 5000-50 HSA Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage Period: 1/01/2015-12/31/2015 Coverage for: Individual, Family | Plan Type: PPO 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 plan document at www.healthplan.memorialhermann.org or by calling 1-888-594-0671. Important Questions Answers Why this Matters: What is the overall innetwork deductible? $5,000 Individual / $10,000 Family Does not apply to preventive What is the overall Out-ofNetwork deductible? $10,000 Individual / $20,000 Family You must pay all the costs up to the deductible amount before this plan begins to pay for covered services you use. Check your policy or plan document to see when the deductible starts over (usually, but not always, January 1st). See the chart starting on page 2 for how much you pay for covered services after you meet the deductible. Are there other deductibles for specific services? No. There are no separate 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 my expenses? Yes. In-Network $6,350 Individual / $12,700 Family; Out-of Network $12,700 Individual / $25,400 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 helps you plan for health care expenses. What is not included in the out–of–pocket limit? Premiums, balance-billed charges, utilization review penalties and health care this plan doesn’t cover. Even though you pay these expenses, they don’t count toward the out-ofpocket limit. Is there an overall annual limit on what the plan pays? No. Does this plan use a network of providers? Yes. See www.healthplan.memorialhermann.org or call 1-888-594-0671 for a list of participating providers. Do I need a referral to see a specialist? No. You don’t need a referral to see a specialist. The chart starting on page 2 describes any limits on what the plan will pay for specific covered services, such as office visits. If you use an in-network doctor or other health care provider, this plan will pay some or all of the costs of covered services. Be aware, your innetwork doctor or hospital may use an out-of-network provider for some services. Plans use the term in-network, preferred, or participating for providers in their network. See the chart starting on page 2 for how this plan pays different kinds of providers. You can see the specialist you choose without permission from this plan. Are there services this plan Some of the services this plan doesn’t cover are listed on page 4. See your Yes. doesn’t cover? plan document for additional information about excluded services. Questions: Call 1-888-594-0671 or visit us at www.healthplan.memorialhermann.org If you aren’t clear about any of the underlined terms used in this form, see the Glossary. You can view the Glossary 1 of 8 at www.healthplan.memorialhermann.org or call 1-888-594-0671 to request a copy. Memorial Hermann Health Insurance Co.: Select 5000-50 HSA Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage Period: 1/01/2015-12/31/2015 Coverage for: Individual, Family | Plan Type: PPO 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. For example, if the plan’s allowed amount for an overnight hospital stay is $1,000, your coinsurance payment of 20% would be $200. The amount the plan pays for covered services is based on the allowed amount. If an out-of-network provider charges more than the allowed amount, you may have to pay the difference. For example, if an out-of-network hospital charges $1,500 for an overnight stay and the allowed amount is $1,000, you may have to pay the $500 difference. (This is called balance billing.) This plan may encourage you to use In-Network providers by charging you lower copayments and coinsurance amounts. Your Cost If You Common Your Cost If You Use an Use an Services You May Need Limitations & Exceptions In-Network Provider Out-of-Network Medical Event Provider Primary Care Visit to treat an 50% coinsurance, after 50% coinsurance, –––––––––––none–––––––––– injury or illness deductible after deductible 50% coinsurance, after 50% coinsurance, Specialist Visit –––––––––––none–––––––––– deductible after deductible If you visit a Physical/Occupational Therapy & Chiropractic health care 50% coinsurance, after 50% coinsurance, Other Practitioner Office Visit limited to 20 visits combined per year; provider’s office deductible after deductible Acupuncture-20 visits per year or clinic 50% coinsurance, after 50% coinsurance, Hearing & Speech Exams –––––––––––none–––––––––– deductible after deductible Preventive Care/ 50% coinsurance, No charge, deductible waived –––––––––––none–––––––––– Screenings/Immunizations after deductible Diagnostic test in physicians office (x-ray, lab) If you have a test 50% coinsurance, after deductible 50% coinsurance, after deductible Prior Authorization required for Genetic Testing 50% Reduction in Benefits Penalty 50% coinsurance, after deductible 50% coinsurance, after Radiology/Xrays deductible 50% coinsurance, after MRI/Scans/Nuclear Medicine deductible 50% coinsurance, after deductible 50% coinsurance, after deductible 50% coinsurance, after deductible Prior Authorization required for Genetic Testing 50% Reduction in Benefits Penalty Prior Authorization required 50% Reduction in Benefits Penalty Prior Authorization required 50% Reduction in Benefits Penalty Independent & Outpatient Lab/Pathology Questions: Call 1-888-594-0671 or visit us at www.healthplan.memorialhermann.org If you aren’t clear about any of the underlined terms used in this form, see the Glossary. You can view the Glossary at www.healthplan.memorialhermann.org or call 1-888-594-0671 to request a copy. 2 of 8 Memorial Hermann Health Insurance Co.: Select 5000-50 HSA Summary of Benefits and Coverage: What this Plan Covers & What it Costs Generic drugs If you need drugs to treat your illness or condition More information about prescription drug coverage is available at www.Caremark.co m Or 1-800-5528159 If you have outpatient surgery Preferred brand drugs $25/prescription (Retail)* $75/prescription (Mail Order)* Non-preferred brand drugs $50/prescription (Retail)* $150/prescription (Mail Order)* Specialty Drugs 30% coinsurance*/**-Retail Mail Order-Not Covered Facility fee (e.g., ambulatory surgery center) Physician/surgeon fees Emergency room services If you need Emergency medical immediate medical attention transportation Urgent Care If you have a hospital stay $-0-/prescription(Retail)* $-0-/prescription(Mail Order)* Facility Fee (e.g., hospital room) Physician/surgeon fee Coverage Period: 1/01/2015-12/31/2015 Coverage for: Individual, Family | Plan Type: PPO * Deductible applies to Prescription Drugs 50% /prescription before copayments/coinsurance applies (Retail)* Mail OrderAll pharmacy copayments/coinsurance are (Not Covered) applied to the Annual Out-of-Pocket Maximum 50% /prescription (Retail)* Mail Order- Covers up to a 30-day supply (Retail Prescription) (Not Covered) Covers up to a 90-day supply (Mail Order Prescription) 50% /prescription (Retail)* Mail Order- Prior Authorization required for some Drugs (Not Covered) 50% Reduction in Benefits Penalty Self Injections-Network – 30% coinsurance* Prior Authorization required for some Drugs 50% /prescription 50% Reduction in Benefits Penalty (Retail)*/** **30 day supply only; Mail Order-(Not $3,000 maximum per year Covered) $200 maximum per month 50% coinsurance, after deductible 50% coinsurance, after deductible 50% coinsurance, after deductible 50% coinsurance, after deductible 50% coinsurance, after deductible 50% coinsurance, after deductible 50% coinsurance, after deductible 50% coinsurance after deductible 50% coinsurance, after deductible 50% coinsurance, after deductible 50% coinsurance, after deductible 50% coinsurance, after deductible 50% coinsurance, after deductible 50% coinsurance, after deductible –––––––––––none–––––––––– –––––––––––none–––––––––– –––––––––––none–––––––––– –––––––––––none–––––––––– –––––––––––none–––––––––– Prior Authorization required 50% Reduction in Benefits Penalty –––––––––––none–––––––––– Questions: Call 1-888-594-0671 or visit us at www.healthplan.memorialhermann.org If you aren’t clear about any of the underlined terms used in this form, see the Glossary. You can view the Glossary at www.healthplan.memorialhermann.org or call 1-888-594-0671 to request a copy. 3 of 8 Memorial Hermann Health Insurance Co.: Select 5000-50 HSA Summary of Benefits and Coverage: What this Plan Covers & What it Costs If you have mental health, behavioral health, or substance abuse needs If you are pregnant Mental/Behavioral Health & Substance Use Disorder Professional & Outpatient services Mental/Behavioral Health & Substance Use Disorder Inpatient Services 50% coinsurance, after deductible Prior Authorization required for outpatient services; 50% Reduction in Benefits Penalty 50% coinsurance, after deductible 50% coinsurance, after deductible Prior Authorization required; 50% Reduction in Benefits Penalty 50% coinsurance, after deductible 50% coinsurance, after deductible 50% coinsurance, after deductible 50% coinsurance, after deductible Prior Authorization required;50% Reduction in Benefits Penalty Prior Authorization required; 50% Reduction in Benefits Penalty 50% coinsurance, after deductible 50% coinsurance, after deductible 50% coinsurance, after deductible 50% coinsurance, after deductible Habilitation Services 50% coinsurance, after deductible 50% coinsurance, after deductible Skilled Nursing Care 50% coinsurance, after deductible 50% coinsurance, after deductible Durable Medical Equipment 50% coinsurance, after deductible 50% coinsurance, after deductible Limited to 60 visits per year; Prior Authorization required; 50% Reduction in Benefits Penalty Prior Authorization required; Inpatient: 50% Reduction in Benefits Penalty Prior Authorization required; Inpatient: 50% Reduction in Benefits Penalty; Age 10 & over$36,000 annual maximum for Applied Behavioral Analysis services Limited to 100 days per year; Prior Authorization required; 50% Reduction in Benefits Penalty Limited to Plan Requirements; Prior Authorization Required; 50% Reduction in Benefits Penalty Prior Authorization Required 50% Reduction in Benefits Penalty Prenatal and Postnatal Care Delivery and all Inpatient Services Rehabilitation Services Hospice Services Eye Exam If your child needs dental or eye care Coverage for: Individual, Family | Plan Type: PPO 50% coinsurance, after deductible Home Health Care If you need help recovering or have other special health needs Coverage Period: 1/01/2015-12/31/2015 50% coinsurance, after 50% coinsurance, deductible after deductible No charge, deductible waived 50% coinsurance, after deductible –––––––––––none–––––––––– Glasses Not Covered Not Covered No coverage for Glasses Dental Not Covered Not Covered No coverage for Dental Check-ups Questions: Call 1-888-594-0671 or visit us at www.healthplan.memorialhermann.org If you aren’t clear about any of the underlined terms used in this form, see the Glossary. You can view the Glossary at www.healthplan.memorialhermann.org or call 1-888-594-0671 to request a copy. 4 of 8 Memorial Hermann Health Insurance Co.: Select 5000-50 HSA Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage Period: 1/01/2015-12/31/2015 Coverage for: Individual, Family | Plan Type: PPO 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.) Any Amount in Excess of Maximum of Covered Expenses Infertility treatment Routine eye care (Adult) Long-term care Routine foot care Bariatric Surgery Services Not Specifically Listed in this Plan Cosmetic surgery Non-emergency care when traveling outside the U.S. Dental care (Adult) Private-duty nursing Weight Loss Programs Other Covered Services (This isn’t a complete list. Check your policy or plan document for other covered services and your costs for these services.) Chiropractic care Hearing aids Questions: Call 1-888-594-0671 or visit us at www.healthplan.memorialhermann.org If you aren’t clear about any of the underlined terms used in this form, see the Glossary. You can view the Glossary at www.healthplan.memorialhermann.org or call 1-888-594-0671 to request a copy. Acupuncture 5 of 8 Memorial Hermann Health Insurance Co.: Select 5000-50 HSA Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage Period: 1/01/2015-12/31/2015 Coverage for: Individual, Family | Plan Type: PPO Your Rights to Continue Coverage: If you lose coverage under the plan, then, depending upon the circumstances, Federal and State laws may provide protections that allow you to keep health coverage. Any such rights may be limited in duration and will require you to pay a premium, which may be significantly higher than the premium you pay while covered under the plan. Other limitations on your rights to continue coverage may also apply. For more information on your rights to continue coverage, contact the plan at 1-888-594-0671. You may also contact your state insurance department, the U.S. Department of Labor, Employee Benefits Security Administration at 1-866-444-3272 or www.dol.gov/ebsa, or the U.S. Department of Health and Human Services at 1-877-267-2323 x61565 or www.cciio.cms.gov. 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 a grievance. For questions about your rights, this notice, or assistance, you can contact: Memorial Hermann Health Insurance Company Customer Service at 1-888-594-0671. Texas Department of Insurance PO Box 149104 Austin, TX 78714-9104 Number: 1-800-252-3439 Fax: 1-512-475-1771 Email: [email protected] Website: http://www.tdi.texas.gov Texas CHAP-Texas Department of Insurance U. S. Department of Labor Mail Code 111-1A Employee Benefits Security Administration P. O. Box 149091 Toll Free Number: 1-866-444-3272Toll Free Austin, TX 78714-9091 Website: http://www.dol.gov/ebsa/healthreform Toll Free Number: 1-855-TEX-CHAP (1-855-839-2427) Email: [email protected] (This consumer assistance program can help you file your appeal.) 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 or policy does provide minimum essential coverage. Does this Coverage Meet the Minimum Value Standard? The Affordable Care Act establishes a minimum value standard of benefits of a health plan. The minimum value standard is 60% (actuarial value). This health coverage does meet the minimum value standard for the benefits it provides. Language Access Services: Para obtener asistencia en Español, llame al 1-888-594-0671. ––––––––––––––––––––––To see examples of how this plan might cover costs for a sample medical situation, see the next page.–––––––––––––––––––––– Questions: Call 1-888-594-0671 or visit us at www.healthplan.memorialhermann.org If you aren’t clear about any of the underlined terms used in this form, see the Glossary. You can view the Glossary at www.healthplan.memorialhermann.org or call 1-888-594-0671 to request a copy. 6 of 8 Memorial Hermann Health Insurance Co.: Select 5000-50 HSA Coverage Examples About these Coverage Examples: These examples show how this plan might cover medical care in given situations. Use these examples to see, in general, how much financial protection a sample patient might get if they are covered under different plans. This is not a cost estimator. Don’t use these examples to estimate your actual costs under this plan. The actual care you receive will be different from these examples, and the cost of that care will also be different. See the next page for important information about these examples. Coverage Period: 1/1/2015-12/31/2015 Coverage for: Individual, Family | Plan Type: PPO Having a baby Managing type 2 diabetes (normal delivery) (routine maintenance of a well-controlled condition) Amount owed to providers: $7,540 Plan pays $1,140 Patient pays $6,400 Amount owed to providers: $5,400 Plan pays $170 Patient pays $5,230 Sample care costs: Hospital charges (mother) Routine obstetric care Hospital charges (baby) Anesthesia Laboratory tests Prescriptions Radiology Vaccines, other preventive Total Sample care costs: Prescriptions Medical Equipment and Supplies Office Visits and Procedures Education Laboratory tests Vaccines, other preventive Total $2,900 $1,300 $700 $300 $100 $100 $5,400 Patient pays: Deductibles Co pays Coinsurance Limits or exclusions Total $5,000 $-0$150 $80 $5,230 Patient pays: Deductibles Co pays Coinsurance Limits or exclusions Total $2,700 $2,100 $900 $900 $500 $200 $200 $40 $7,540 $5,900 $-0$350 $150 $6,400 Note: These numbers assume the patient has given notice of her pregnancy to the plan. If you are pregnant and have not given notice of your pregnancy, your costs may be higher. For more information, please contact: 1-888-252-7680. Questions: Call 1-888-594-0671 or visit us at www.healthplan.memorialhermann.org If you aren’t clear about any of the underlined terms used in this form, see the Glossary. You can view the Glossary at www.healthplan.memorialhermann.org or call 1-888-594-0671 to request a copy. 7 of 8 Memorial Hermann Health Insurance Co.: Select 5000-50 HSA Coverage Examples Coverage Period: 1/1/2015-12/31/2015 Coverage for: Individual, Family | Plan Type: PPO Questions and answers 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 and Human Services, and aren’t specific to a particular geographic area or health plan. The patient’s condition was not an excluded or preexisting condition. All services and treatments started and ended in the same coverage period. There are no other medical expenses for any member covered under this plan. 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? Can I use Coverage Examples to compare plans? For each treatment situation, the Coverage Example helps you see how deductibles, copayments, and coinsurance can 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. Yes. When you look at the Summary of 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, and many other factors. Does the Coverage Example predict my future expenses? No. Coverage Examples are not cost estimators. You can’t use the examples to estimate costs for an 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, and the reimbursement your health plan allows. Benefits and Coverage for other plans, you’ll find the same Coverage Examples. When you compare plans, check the “Patient Pays” box in each example. The smaller that number, the more coverage the plan provides. Are there other costs I should consider when comparing plans? Yes. An important cost is the premium you pay. Generally, the lower your premium, the more you’ll pay in out-ofpocket costs, such as copayments, deductibles, and coinsurance. You should also consider contributions to accounts such as health savings accounts (HSAs), flexible spending arrangements (FSAs) or health reimbursement accounts (HRAs) that help you pay out-of-pocket expenses. Questions: Call 1-888-594-0671 or visit us at www.healthplan.memorialhermann.org If you aren’t clear about any of the underlined terms used in this form, see the Glossary. You can view the Glossary at www.healthplan.memorialhermann.org or call 1-888-594-0671 to request a copy. 8 of 8
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