Platinum health plans Keystone HMO Platinum3 Benefits per calendar year1 You pay in-network5 Deductible, individual/family $0/$0 Coinsurance 0% unless otherwise noted Out-of-pocket maximum, individual/family includes: $3,000/$6,000 copay and coinsurance Preventive services7 Preventive care for adults and children $0 Preventive colonoscopy for colorectal cancer screening - Preventive Plus providers $0 Preventive colonoscopy for colorectal cancer screening - All other providers $750 Physician services Primary care office visit/retail clinic $15 Specialist office visit $30 Urgent care $100 Spinal manipulations (20 visits per year) $50 Physical/occupational therapy (30 visits per year)8 $30 8 Hospital/other medical services Inpatient hospital services (includes maternity) $400 per day9 Inpatient professional services (includes maternity) $0 Emergency room (not waived if admitted) $250 Routine radiology/diagnostic $30 MRI/MRA, CT/CTA scan, PET scan $60 Biotech/specialty injectables $60 Durable medical equipment/prosthetics 50% Mental health, serious mental illness & substance abuse - outpatient $30 Mental health, serious mental illness & substance abuse - inpatient $400 per day9 Outpatient surgery Ambulatory surgical facility $100 Hospital-based $300 Outpatient lab/pathology Freestanding $0 Hospital-based $0 Prescription drugs 14,15,16,17,18 Rx deductible (individual/family) None Retail generic $5 Retail brand $30 Retail non-formulary brand $50 Additional benefits Vision22 Pediatric routine eye exam23,24 $0 Pediatric glasses $0 23,25 Adult routine eye exam24 Adult eyewear (glasses or contacts) Not covered Not covered 26 Pediatric & Adult dental27,28 Pediatric & Adult dental deductible (per individual) $50 Pediatric & Adult exams and cleanings $0 no deductible 29 Pediatric & Adult Minor Restorative 50% after deductible Pediatric & Adult Major Restorative 50% after deductible Pediatric Orthodontia 50% after deductible 30 Footnotes Medical Prescription Drugs 1C ertain plan benefits may be enhanced to comply with health care reform law/ regulations. Eligible dependent children are covered to age 26. 14 P rescription drug benefits are administered by FutureScripts, a Catamaran company, an independent company providing pharmacy benefit management services. 2F amily deductible and out-of-pocket maximum apply when more than one person is covered under a plan. A covered family member only needs to satisfy his or her individual deductible before receiving plan benefits. Once the family deductible is met, then all covered family members will receive plan benefits. 15 No cost-sharing is required at participating retail and mail order pharmacies for certain preventive drugs (prescription and over-the-counter drugs with a doctor’s prescription). 3F amily out-of-pocket maximum applies when more than one person is covered under a plan. A covered family member only needs to satisfy his or her out-of-pocket maximum before that individual’s benefits are covered in full. Once the family out-of-pocket is met, then all covered family members’ benefits will be covered in full. 4F amily deductible and out-of-pocket maximum apply when more than one person is covered under a plan. The family deductible must be met by one or several family members before any family members receive plan benefits. If an individual is enrolled without dependents, the single deductible and out-of-pocket maximum apply. 5T here are no out-of-network services available except for emergency services. 6N on-participating preferred providers may bill you for differences between the plan allowance, which is the amount paid by Independence Blue Cross, and the actual charge of the provider. This amount may be significant. Claims payments for nonpreferred professional providers (physicians) are based on the lesser of the Medicare professional allowable payment or the actual charge of the provider. For covered services that are not recognized or reimbursed by Medicare, payment is based on the lesser of the Independence Blue Cross applicable proprietary fee schedule or the actual charge of the provider. For covered services not recognized or reimbursed by Medicare or the Independence Blue Cross fee schedule, the payment is based on 50% of the actual charge of the provider. It is important to note that all percentages for out-of-network services are percentage of the Plan allowance, not the actual charge of the provider. 7A ge and frequency schedules may apply. For routine colonoscopy for colorectal cancer screening, your cost-sharing may vary depending on where you receive service. 8F or PPO plans, visit limits are combined in- and out-of-network. 9A mount shown reflects the copay per day. There is a maximum of 5 copays per admission. Keystone HMO Proactive Plans 10 F or Keystone HMO Silver Proactive plan, deductible is combined for Tiers 2 and 3. 11 F or Keystone HMO Proactive plans, the out-of-pocket maximum for Tiers 1, 2 and 3 are combined. 12 For Keystone HMO Proactive plans, if you are admitted to an in-network hospital from the emergency room, the out-of-pocket costs for inpatient hospital will apply based on the tier of the in-network hospital. If admitted to an out-of-network hospital following an emergency room admission, the Tier 3 in-network level of benefits will apply. NonParticipating Providers for Emergency Services will be covered at the Tier 3 level of benefits. 13 For Keystone HMO Proactive plans, all in-network retail clinics are assigned to Tier 1, with the exception of Walgreens Healthcare Clinic, which is assigned Tier 3. 16 O ut-of-network benefits apply to prescriptions filled at non-participating pharmacies and the member must pay the full retail price for their prescription then file a paper claim for reimbursement. The member should refer to their benefit booklet to determine the out-of-network coverage for their plan. 17 M ail Order coverage at a participating pharmacy is available for all Prescription Drug Plans. The FutureScripts Mail Order service is a convenient and cost-effective way to order up to a 90-day supply of maintenance or long-term medication for delivery to a home, office, or location of choice. 18 A ll covered self-administered specialty medications except insulin will be provided through the convenient FutureScripts Specialty Pharmacy Program for the appropriate retail cost-sharing. Benefits are available for up to a 30-day supply. If the doctor wants the member to start the drug immediately, then an initial 30-day supply may be obtained at a participating retail pharmacy. However, all subsequent fills must be purchased through the Specialty Pharmacy Program. 19 T his plan utilizes the FutureScripts Preferred Pharmacy Network—a subset of the national retail pharmacy network. It includes over 50,000 pharmacies, including most major chains and local pharmacies except Walgreens and Rite Aid. 20 When a prescription drug is not available in a generic form, benefits will be provided for the brand drug and the member will be responsible for the cost-sharing for a brand drug. When a prescription drug is available in a generic form, benefits will be provided for that drug at the generic drug level only. If the member chooses to purchase a brand drug, the member will be responsible for paying the dispensing pharmacy the difference between the negotiated discount price for the generic drug and the brand drug plus the appropriate cost-sharing for a brand drug. 21 Certain designated generic drugs available at participating retail and mail order pharmacies for a reduced member cost sharing ($4 Retail / $8 Mail Order), after any applicable deductible. Additional Benefits 22 Vision Care is administered by Davis Vision, an independent company. 23 P ediatric vision benefits expire at the end of the month in which the child turns 19. 24 One eye exam per calendar year period. 25 P ediatric spectacle lenses covered at no extra cost include: single vision, lined bifocal, lined trifocal or lenticular lenses. For frames to be covered in full, choose from Davis Vision’s Pediatric Frame Selection (available at most independent participating Providers) or the Pediatric Frame Collection at Visionworks retail locations. 26 For all other Davis Vision providers, there is a $100 allowance for frames or contact lenses. 27 I ndependence Blue Cross dental plans are administered by United Concordia, an independent company. 28 Pediatric dental benefits are covered until the end of the calendar year in which the child turns 19. 29 One exam and one cleaning every six months per calendar year. 30 Only medically necessary orthodontia is covered. There is a 12 month waiting period for all orthodontia. 31 PPO Platinum Complete does not cover Adult Orthodontia Additional Medical Benefits 32 For PPO Silver, inpatient maternity hospital services are subject to 30% coinsurance after deductible. 33 F or PPO Bronze, inpatient maternity hospital services are subject to 50% coinsurance after deductible. 34 Personal Choice Bronze Basic is only available for purchase through the Federal Health Insurance Marketplace at www.healthcare.gov.
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