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documents.Ifthereisadifferencebetweenthissummaryandyourplandocuments,thetermsofyourplandocumentswillapply.
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SpecialServices
Whatyouwillfindinthissection:
AcupunctureServices
Chiropractic(Manipulative)Services
ClinicalTrials
CongenitalHeartDiseaseResourceServices(CHDRS)
CongenitalHeartDiseaseSurgeries
DentalServicesAccidentOnly
DentalAnesthesiaServices
DiabetesServices
DiabetesSupplies
DurableMedicalEquipment(DME)
ExperimentalorInvestigationalorUnprovenServices
HearingAids
HomeHealthCare
HospiceCare
KidneyResourceServices
MastectomyServices
OsteoporosisServices
OstomySupplies
PharmaceuticalServicesOutpatient
ProstheticSupplies
ReconstructiveProcedures
RehabilitationandHabilitativeServicesOutpatient
SmokingCessation
TemporomandibularJointServices
TransplantationServices
Wigs
Yourcostifyouuse Yourcostifyouuse
CommonMedicalEvent Limits&Exceptions
Networkbenefits OutofNetworkbenefits
AcupunctureServices $20copaypervisit 40%coinsurance,afteryou Limitedto12treatmentsperyear.
Theannualdeductibledoes paythedeductible
Whatareacupuncture notapply.
services?Atreatmentthat
usesthinneedlestocontrol
painandothersymptoms. Ispriorauthorization Ispriorauthorization
needed? needed?
Benefitsarecoveredfor: No No
Paintherapy.
Nausearelatedto
surgery,pregnancyor
chemotherapy.
Servicesmustbeperformedin
anofficesettingbyaprovider
whoispracticingwithinthe
scopeoftheirlicenseorwhois
certified:
DoctorofMedicine
DoctorofOsteopathy
Chiropractor
Acupuncturist
Wantmoreinformation?
Viewtheglossaryfor
definitions.
Yourcostifyouuse Yourcostifyouuse
CommonMedicalEvent Limits&Exceptions
Networkbenefits OutofNetworkbenefits
Chiropractic $20copaypervisit. 40%coinsurance,afteryou Limitedto24visitsperyear.
(Manipulative)Services Theannualdeductibledoes paythedeductible.
notapply.
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TravelandLodgingAssistanceisnotavailableaspartoftheCongenitalHeartDiseaseResource
Servicesprogram.
Yourcostifyouuse Yourcostifyouuse
CommonMedicalEvent Limits&Exceptions
Networkbenefits OutofNetworkbenefits
CongenitalHeart 20%coinsurance,afteryou 40%coinsurance,afteryou Networkbenefitsmustbereceivedat
DiseaseSurgeries paythedeductible. paythedeductible. adesignatedfacility.
Whatiscongenitalheart Ispriorauthorization Ispriorauthorization Ifyoudonotgotoadesignated
disease?Aheartproblemthat needed? needed? facility,benefitswillbeconsidered
No Yes outofnetwork.
apersonisbornwith.
Benefitsunderthissection Priorauthorizationis: Formoreinformation,seethe
Gettingapprovalbycallingthe CongenitalHeartDiseaseResource
include:
Facility numberlistedonyourhealth Servicessection.
planIDcardbeforeyoucan
Supplies
getmedicineorservices.
Equipment
Physicianservicesfor
WhendoIneedtocall?
anesthesiologists, Assoonasthepossibility
pathologistsandradiologists
ofsurgeryarises
Formoreinformationabout Ifyoudontgetprior
otherdoctorfees,seePhysician
authorization,youpay:
FeesforSurgicalandMedical 50%coinsurance
Servicesbenefitsection.
Wantmoreinformation?
Viewtheglossaryfor
definitions.
Yourcostifyouuse Yourcostifyouuse
CommonMedicalEvent Limits&Exceptions
Networkbenefits OutofNetworkbenefits
DentalServices 20%coinsurance,afteryou 20%coinsurance,afteryou
AccidentOnly paythedeductible. paythenetworkdeductible. Nocoveragefor:
Damagethatoccursasaresultof
Ispriorauthorization normalactivities,dailylivingor
Whatareaccidentaldental
services?Repairor Ispriorauthorization needed? extraordinaryuse
replacementofsoundnaturalor needed? Yesfollowuptreatment Dentalcarethatisrequiredto
Yesfollowuptreatment only. treattheeffectsofamedical
restoredteethduetoinjury.
only. condition,exceptasdescribed
Requirements Priorauthorizationis: underReconstructiveProcedures.
Priorauthorizationis: Gettingapprovalbycallingthe
Youmustcontactadoctor
Gettingapprovalbycallingthe numberlistedonyourhealth
ordentistwithin72hoursof
numberlistedonyourhealth planIDcardbeforeyoucan
theaccident.
planIDcardbeforeyoucan getmedicineorservices.
Treatmentmuststartwithin
getmedicineorservices.
3monthsoftheaccident.
WhendoIneedtocall?
Treatmentmustbe
WhendoIneedtocall? 5businessdaybefore
completedwithin12months 5businessdaybefore followuptreatmentbegins
oftheaccident.
followuptreatmentbegins
Ifyoudontgetprior
Wecover:
Ifyoudontgetprior authorization,youpay:
Emergencyexamination
authorization,youpay: Allcharges
Diagnosticxrays Allcharges
Rootcanalandrelated
services
Temporarysplintingofteeth
Simpleminimalrestorative
procedures(fillings)
Extractions
Posttraumaticcrownsif
theyaretheonlytreatment
available
Replacementoflostteeth
Wantmoreinformation?
Viewtheglossaryfor
definitions.
Yourcostifyouuse Yourcostifyouuse
CommonMedicalEvent Limits&Exceptions
Networkbenefits OutofNetworkbenefits
DentalAnesthesia 20%coinsurance,afteryou 40%coinsurance,afteryou Benefitsarelimitedtoapersonthat:
Services paythedeductible. paythedeductible. Isunder7yearsofage
Isdevelopmentallydisabled,
Benefitsinclude: Ispriorauthorization Ispriorauthorization regardlessofage
needed? needed?
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underyourdurablemedical
equipment.
Wantmoreinformation?
Viewtheglossaryfor
definitions.
Yourcostifyouuse Yourcostifyouuse
CommonMedicalEvent Limits&Exceptions
Networkbenefits OutofNetworkbenefits
DurableMedical 20%coinsurance,afteryou 40%coinsurance,afteryou Limitedtoasinglepurchaseofatype
Equipment paythedeductible. paythedeductible. ofDME(including
repair/replacement)every3years.
Whatisdurablemedical Ispriorauthorization Ispriorauthorization
equipment(DME)? required? required? Benefitsforspeechaiddevicesand
No Yes tracheoesophagealvoicedevicesare
Equipmentandsuppliesfor
limitedtoonedevice
medicalconditions.
Toreceivenetworkbenefits, Priorauthorizationis: duringtheentireperiodoftimeyou
DMEmustbe: youmustpurchaseorrentthe Gettingapprovalbycallingthe areenrolledintheplan.
orderedorprovidedbya DMEfromthevendorwe numberlistedonyourhealth
identifyorpurchaseitdirectly planIDcardbeforeyoucan Repair/replacementisonceevery3
doctorand
fromtheprescribingnetwork getmedicineorservices. years.
usedformedicalpurposes
doctor.
WhendoIneedtocall? Nocoverageforaddonsorupgrades
Thismayincludeequipment
BeforegettingDMEthat when:
like:oxygen,wheelchairs,
exceeds$1,000incost Theaddonorupgradeisfor
crutches,insulinpumps.Fora
convenienceonly.
completelistlookatyourplan
Ifyoudontgetprior Theaddonorupgradeisbeyond
documents.
authorization,youpay: whatsnecessarytomeetthe
Allcharges medicalneed.
Wantmoreinformation?
Viewtheglossaryfor
Ifyourentorpurchaseequipment
definitions.
thatisanupgradeoraddonyouare
responsibleforthedifferenceincost.
Benefitsareavailableforrepairs
andreplacement,exceptwhen:
damageduetomisuseorabuse
lostorstolen
Yourcostifyouuse Yourcostifyouuse
CommonMedicalEvent Limits&Exceptions
Networkbenefits OutofNetworkbenefits
Experimental, Networkbenefitsarenot Outofnetworkbenefitsare Nocoverageforexperimental,
Investigationalor covered. notcovered. investigationalorunprovenservices.
Exceptionsmayapply.Formore
UnprovenServices information,callthenumberonyour
healthplanIDcard.
Whatareexperimentalor
investigationalservices?
Anythingthathasnotshownto
beeffective,establishedoris
stillbeinginvestigatedfora
medicalcondition.
Whatareunproven
services?Servicesthathave
notbeenproventobeeffective
forthetreatmentofamedical
condition.
Wantmoreinformation?
Viewtheglossaryfor
definitions.
Yourcostifyouuse Yourcostifyouuse
CommonMedicalEvent Limits&Exceptions
Networkbenefits OutofNetworkbenefits
HearingAids 20%coinsurance,afteryou 40%coinsurance,afteryou Limitedto$2,500ineligible
paythedeductible. paythedeductible. expensesperyear.Benefitsare
Whatarehearingaids? limitedtoasinglepurchase(including
Hearingaidsareelectronic Ispriorauthorization Ispriorauthorization repair/replacement)perhearing
amplifyingdevicesdesignedto required? required? impairedearevery3years.
fixahearingimpairmentand No No
bringsoundmoreeffectively Nocoverageforboneanchored
intotheear.Ahearingaid hearingaidsexceptwhen:
consistsofamicrophone, Craniofacialanomaliesorabsent
amplifierandreceiver. earcanalskeepthemfromusing
awearablehearingaidor
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Benefitsareprovidedforthe Hearinglosscannotbefixedbya
hearingaidandchargesfor wearablehearingaid.
fittingandtestingas Ifyoumeettheabovecriteria,
recommendedbyadoctor. benefitsarelimitedto1bone
anchoredhearingaidduringthetime
hiHealthInnovationsHearing youareenrolledunderthepolicy.
Programisavailabletoyou.For
moreinformationaboutthis Repairsand/orreplacementsarenot
program,calltollfreeat1 covered,exceptformalfunction.
8669266632.TTYuserscan
dial711.
Wantmoreinformation?
Viewtheglossaryfor
definitions.
Yourcostifyouuse Yourcostifyouuse
CommonMedicalEvent Limits&Exceptions
Networkbenefits OutofNetworkbenefits
HomeHealthCare 20%coinsurance,afteryou 40%coinsurance,afteryou Limitedto100visitsperyear.1visit
paythedeductible. paythedeductible. equalsupto4hoursofskilledcare
Whatarehomehealthcare services.
services?Healthcareservices Ispriorauthorization Ispriorauthorization
apersonreceivesathome.This required? required? Thisvisitlimitdoesnotincludeany
caremustbeorderedbyyour No Yes servicethatisbilledforthe
doctorandprovidedbyahome administrationofintravenous
healthagency. Priorauthorizationis: infusion.
Gettingapprovalbycallingthe
Whatiscovered? numberlistedonyourhealth Nocoveragefor:
Skilledcareprovidedbya planIDcardbeforeyoucan Custodialcare(nonskilledcare
licensedhealthcare getmedicineorservices. thathelpspeoplewithdailyliving
professional(forexample,RN) activitiesthatmostpeopleare
andisparttimeintermittent WhendoIneedtocall? abletodoforthemselves.Some
carethatis: 5businessdaysbefore examplesincludeeating,bathing
fewerthan7dayseach gettingservices and
week. Assoonaspossible dressing.)
fewerthan8hourseachday Privatedutynursing.
forperiodsof21daysor Ifyoudontgetprior Respitecareunlessinhospice.
less. authorization,youpay: ThisisdescribedunderHospice
50%coinsurance Care.
Wantmoreinformation? Personalcareattendants.
Viewtheglossaryfor
definitions.
Yourcostifyouuse Yourcostifyouuse
CommonMedicalEvent Limits&Exceptions
Networkbenefits OutofNetworkbenefits
HospiceCare 20%coinsurance,afteryou 40%coinsurance,afteryou None
paythedeductible. paythedeductible.
Whatishospicecare?
Hospicecareprovidescomfort Ispriorauthorization Ispriorauthorization
andsupportfortheterminallyill needed? needed?
inahospital,hospicefacilityor No Yes
home.
Priorauthorizationis:
Wecover: Gettingapprovalbycallingthe
Physical,psychological, numberlistedonyourhealth
social,spiritualandrespite planIDcardbeforeyoucan
carefortheterminallyill getmedicineorservices.
person.
Shorttermgriefcounseling WhendoIneedtocall?
forimmediatefamily 5businessdaysbefore
memberswhilethepatient beingadmitted
receiveshospicecare. Assoonaspossible
Wantmoreinformation? Ifyoudontgetprior
Viewtheglossaryfor authorization,youpay:
definitions 50%coinsurance
AboutYourBenefits
KidneyDisease OurChronicKidneyDisease(CKD)andKidneyResourceServices(KRS)programsprovideyou:
Programs
Nursesyoucanspeakwithtohelpmanageyourkidneydisease
Educationandcounseling
Helpwithfindingnetworkdialysiscentersanddoctors
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Formoreinformationortospeaktoanurseadvocate,calltollfreeat18665617518.TTYusers
candial711.
Yourcostifyouuse Yourcostifyouuse
CommonMedicalEvent Limits&Exceptions
Networkbenefits OutofNetworkbenefits
MastectomyServices Theamountyoupayisbased Theamountyoupayisbased Thelengthofstaywillbedetermined
onwherethecoveredhealth onwherethecoveredhealth byyouandyourdoctor.
Benefitsinclude: serviceisprovided. serviceisprovided.
Mastectomies,including
lymphedema Ispriorauthorization Ispriorauthorization
Prostheticdevicesand needed? needed?
reconstructivesurgeryto Theauthorizationrequirement Theauthorizationrequirement
restoreandachieve isbasedonwherethecovered isbasedonwherethecovered
symmetry healthserviceisprovided. healthserviceisprovided.
Wantmoreinformation? Priorauthorizationis: Priorauthorizationis:
Viewtheglossaryfor Gettingapprovalbycallingthe Gettingapprovalbycallingthe
definitions. numberlistedonyourhealth numberlistedonyourhealth
planIDcardbeforeyoucan planIDcardbeforeyoucan
getmedicineorservices. getmedicineorservices.
CommonMedicalEvent Yourcostifyouuse Yourcostifyouuse Limits&Exceptions
Networkbenefits OutofNetworkbenefits
OsteoporosisServices Theamountyoupayisbasedon Theamountyoupayisbasedon None
wherethecoveredhealth wherethecoveredhealth
Benefitsincludediagnosis, serviceisprovided. serviceisprovided.
treatmentandmanagementof
osteoporosis. Ispriorauthorization Ispriorauthorization
needed? needed?
*Forosteoporosisscreenings,see No No
thePreventiveCaresection.
Wantmoreinformation?
Viewtheglossaryfordefinitions.
Yourcostifyouuse Yourcostifyouuse
CommonMedicalEvent Limits&Exceptions
Networkbenefits OutofNetworkbenefits
OstomySupplies 20%coinsurance,afteryou 40%coinsurance,afteryou Nocoveragefor:
paythedeductible. paythedeductible. deodorants
Wecover: filters
Pouches,faceplatesand Ispriorauthorization Ispriorauthorization lubricants
belts. needed? needed? tape
Irrigationsleeves,bagsand No No appliancecleaners
ostomyirrigationcatheters. adhesiveandremover
Skinbarriers. otheritemsnotlisted
Wantmoreinformation?
Viewtheglossaryfordefinitions.
Yourcostifyouuse Yourcostifyouuse
CommonMedicalEvent Limits&Exceptions
Networkbenefits OutofNetworkbenefits
PharmaceuticalProducts 20%coinsurance,afteryou 40%coinsurance,afteryou Iftheserviceisprovidedina
Outpatient paythedeductible. paythedeductible. doctorsoffice,additionalco
pays,deductibleorcoinsurance
Whatareoutpatient Ispriorauthorization Ispriorauthorization mayapply.
pharmaceuticalproducts? needed? needed?
Medicationsadministeredbya No No
medicalproviderandarecovered
underyourmedicalbenefits(not
underpharmacy).
Theseproductscanbegivenin:
Anoutpatientfacility
Doctorsoffice
Thehome
Wantmoreinformation?
Viewtheglossaryfordefinitions.
Yourcostifyouuse Yourcostifyouuse
CommonMedicalEvent Limits&Exceptions
Networkbenefits OutofNetworkbenefits
Prosthetics 20%coinsurance,afteryou 40%coinsurance,afteryou Wecoverthemostappropriate
paythedeductible. paythedeductible. prostheticdevicethatmeets
Externaldevicesthatreplacea yourminimummedicalneed.If
limborabodypart,limitedto: youchooseadifferentoneyou
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limborabodypart,limitedto: youchooseadifferentoneyou
Artificialarms,legs,feetand Ispriorauthorization Ispriorauthorization areresponsibleforthe
hands needed? needed? differenceincost.
Artificialface,eyes,earsand No Yes
nose Limitedtoasinglepurchaseof
Breastprosthesis,including Priorauthorizationis: eachtypeofprostheticdevice
mastectomybrasand Gettingapprovalbycallingthe every3years.
lymphedemastockingsforthe numberlistedonyourhealth
arms planIDcardbeforeyoucanget Nocoveragefor:
Laryngectomydevices medicineorservices. Repairstoprostheticdevices
duetomisuse
Theprostheticdevicemustbe WhendoIneedtocall? Replacementofprosthetic
orderedorprovidedbyadoctor. Beforegettingprosthetic devicesduetomisuseorto
devicesthatexceeds$1,000 replacelostorstolenitems.
Benefitsunderthissectionare Electronicvoiceproducing
providedonlyforexternal Ifyoudontgetprior machines
prostheticdevicesanddonot authorization,youpay:
includeanydevicethatisfully Allcharges
implantedintothebody.
Laryngectomydevices:
Wantmoreinformation? Theamountyoupayisbasedon
Viewtheglossaryfordefinitions. wherethecoveredhealth
serviceisprovided.
Laryngectomydevices:
Theamountyoupayisbasedon Ispriorauthorization
wherethecoveredhealth needed?
serviceisprovided. Theauthorizationrequirement
isbasedonwherethecovered
Ispriorauthorization healthserviceisprovided.
needed?
Theauthorizationrequirement Priorauthorizationis:
isbasedonwherethecovered Gettingapprovalbycallingthe
healthserviceisprovided. numberlistedonyourhealth
planIDcardbeforeyoucanget
Priorauthorizationis: medicineorservices.
Gettingapprovalbycallingthe
numberlistedonyourhealth
planIDcardbeforeyoucanget
medicineorservices.
Yourcostifyouuse Yourcostifyouuse
CommonMedicalEvent Limits&Exceptions
Networkbenefits OutofNetworkbenefits
Reconstructive Theamountyoupayisbasedon Theamountyoupayisbasedon Nocoverageforcosmetic
Procedures wherethecoveredhealth wherethecoveredhealth procedures.
serviceisprovided. serviceisprovided.
Whatisareconstructive
procedure? Ispriorauthorization Ispriorauthorization
Aproceduretocorrectorimprove needed? needed?
apartofthebodybecauseof No Yes
birthdefects,accidents,injuries
ormedicalconditions. Priorauthorizationis:
Gettingapprovalbycallingthe
Benefitsinclude: numberlistedonyourhealth
Breastreconstruction planIDcardbeforeyoucanget
medicineorservices.
followingamastectomyand
reconstructionofthenon
WhendoIneedtocall?
affectedbreasttoachieve
5businessdaysbeforea
symmetry
Dentalororthodonticservices scheduledprocedure
Assoonaspossiblefora
forcleftpalate
nonscheduledprocedure.
Wantmoreinformation?
Viewtheglossaryfordefinitions. Ifyoudontgetprior
authorization,youpay:
50%coinsurance
Yourcostifyouuse Yourcostifyouuse
CommonMedicalEvent Limits&Exceptions
Networkbenefits OutofNetworkbenefits
Rehabilitationand $20copaypervisit. 40%coinsurance,afteryou Limitsperyear:
HabilitativeServices Theannualdeductibledoesnot paythedeductible. 20visitsofphysicaltherapy.
apply. 20visitsofoccupational
OutpatientTherapy therapy.
Ispriorauthorization Ispriorauthorization 20visitsofspeechtherapy.
Whatarerehabilitation needed? needed? 20visitsofpulmonary
services?Healthcareservices No Yes
thathelpapersongetbacka therapy.
36visitsofcardiactherapy.
functionalskillthathasbeenlost Priorauthorizationis:
becauseofsicknessorinjury.
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Ifyoudontgetprior
authorization,youpay:
50%coinsurance
Yourcostifyouuse Yourcostifyouuse
CommonMedicalEvent Limits&Exceptions
Networkbenefits OutofNetworkbenefits
TransplantationServices Theamountyoupayisbasedon Outofnetworkbenefitsarenot Transplantationservicesmust
wherethecoveredhealth available. bedoneatadesignatedfacility
Whatisanorgantransplant? serviceisprovided. exceptforcorneatransplants.
Thereplacementofadiseased
organwithahealthyorganfrom Ispriorauthorization Nocoveragefor:
adonorwitha needed? donatinganorgan
compatibletissuetype. Yes artificialoranimalorgans
experimental,investigational
Wecover: Priorauthorizationis: orunproventransplants
organandtissuetransplants Gettingapprovalbycallingthe
whenorderedbyadoctor numberlistedonyourhealth
removalofanorganfroma planIDcardbeforeyoucanget
donortoyou medicineorservices.
Thesemayinclude: WhendoIneedtocall?
bonemarrow Assoonasthepossibilityof
heart transplantarisesandbefore
lung yourpretransplant
kidney evaluation
pancreas
Ifyoudontgetprior
liver
authorization,youpay:
smallbowel Allcharges
cornea
Formoreinformationabout
benefitsfortransplantservices
callthephonenumberonyour
healthplanIDcard.
Wantmoreinformation?
Viewtheglossaryfordefinitions.
Yourcostifyouuse Yourcostifyouuse
CommonMedicalEvent Limits&Exceptions
Networkbenefits OutofNetworkbenefits
Wigs Networkbenefitsarenot Outofnetworkbenefitsarenot Nocoverageforwigs.
covered. covered.
Whatisawig?Amanufactured
coveringofhairtowearonyour
head.
Wantmoreinformation?
Viewtheglossaryfordefinitions
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