A Fee-for-Service Plan (Elevate Plus and Elevate Options ...

1 GEHA Indemnity Benefit Customer Service: 800-821-6136 2022 A Fee-for-Service Plan ( Elevate Plus and Elevate Options ) with a Preferred Provider Network IMPORTANT Rates: Back Cover Changes for 2022: Page 14 Summary of Benefits: Page 122 This plan's health coverage qualifies as minimum essential coverage and meets the minimum value standard for the benefits it provides. See page 7 for details. This plan is accredited. See page and administered by: Government Employees health Association, may enroll in this Plan: All Federal employees and annuitants who are eligible to enroll in the Federal Employees health Benefits Program may become members of Government Employees health Association, Inc.

2 (GEHA). You must be, or must become a member of GEHA. To become a member: You join simply by signing a completed Standard form 2809, health Benefits Registration form , evidencing your enrollment in the Plan. Membership dues: There are no membership dues for the Year 2022. Enrollment codes for this Plan: 251 Elevate Plus Option - Self Only 253 Elevate Plus Option - Self Plus One 252 Elevate Plus Option - Self and Family 254 Elevate Option - Self Only 256 Elevate Option - Self Plus One 255 Elevate Option - Self and Family Special Notice: This brochure was updated on 5/5 71-018 Important Notice from Government Employees health Association, Inc.

3 About Our Prescription Drug Coverage and MedicareThe Office of Personnel Management (OPM) has determined that the Government Employees health Association, Inc. prescription drug coverage is, on average, expected to pay out as much as the standard Medicare prescription drug coverage will pay for all plan participants and is considered Creditable Coverage. This means you do not need to enroll in Medicare Part D and pay extra for prescription drug coverage. If you decide to enroll in Medicare Part D later, you will not have to pay a penalty for late enrollment as long as you keep your FEHB coverage.

4 However, if you choose to enroll in Medicare Part D, you can keep your FEHB coverage and your FEHB plan will coordinate benefits with Medicare. Remember: If you are an annuitant and you cancel your FEHB coverage, you may not re-enroll in the FEHB Program. Please be advisedIf you lose or drop your FEHB coverage and go 63 days or longer without prescription drug coverage that is at least as good as Medicare s prescription drug coverage, your monthly Medicare Part D premium will go up at least 1% per month for every month that you did not have that coverage.

5 For example, if you go 19 months without Medicare Part D prescription drug coverage, your premium will always be at least 19 percent higher than what many other people pay. You will have to pay this higher premium as long as you have Medicare prescription drug coverage. In addition, you may have to wait until the next Annual Coordinated Election Period (October 15 through December 7) to enroll in Medicare Part D. For people with limited income and resources, extra help paying for a Medicare prescription drug plan is available.

6 Information regarding this program is available through the Social Security Administration (SSA) online at , or call the SSA at 800-772-1213, TTY: s Low Income BenefitsYou can get more information about Medicare prescription drug plans and the coverage offered in your area from these places: Visit for personalized help. Call 800-MEDICARE (1-800-633-4227), (TTY: 1-877-486-2048).Table of Contents Table of Contents ..1 Introduction ..3 Plain Language ..3 Stop Healthcare Fraud! ..3 Discrimination is Against the Law.

7 4 Preventing Medical Mistakes ..5 FEHB Facts ..7 Coverage Information ..7 No pre-existing condition limitation ..7 Minimum essential coverage (MEC) ..7 Minimum value standard (MVS) ..7 Where you can get information about enrolling in the FEHB Program ..7 Types of coverage available for you and your family ..7 Family member coverage ..8 Children s Equity Act ..9 When benefits and premiums start ..9 When you retire ..10 When you lose benefits ..10 When FEHB coverage ends.

8 10 Upon divorce ..10 Temporary Continuation of Coverage (TCC) ..10 Converting to individual coverage ..11 health Insurance Marketplace ..11 Section 1. How This Plan Works ..12 General features of our Elevate Plus and Elevate Options ..12 How we pay providers ..12 health education resources ..13 Your rights and responsibilities ..13 Your medical and claims records are confidential ..13 Section 2. Changes for 2022 ..14 Section 3. How You Get Care ..16 Identification cards ..16 Where you get covered care.

9 16 Balance Billing Protection ..16 Plan providers ..16 Plan facilities ..17 Transitional care ..19 If you are hospitalized when your enrollment begins ..19 You need prior Plan approval for certain services ..19 Inpatient facility admission ..19 Other services that require preauthorization ..20 How to request precertification for an admission or get preauthorization for Other Services ..21 Non-urgent care claims ..22 Urgent care claims ..22 Concurrent care claims ..22 The Federal Flexible Spending Account Program FSAFEDS.

10 23 Emergency inpatient admission ..23 1 2022 GEHA Indemnity Benefit Plan Table of Contents Maternity care ..23 If your hospital stay needs to be extended ..23 If your treatment needs to be extended ..23 If you disagree with our pre-service claims decision ..23 To reconsider a non-urgent care claim ..24 To reconsider an urgent care claim ..24 To file an appeal with OPM ..24 Overseas claims ..24 Section 4. Your Costs for Covered Services ..25 Coinsurance ..25 Copayments ..25 Cost-sharing.