1 Summary of Benefits and Coverage: What this Plan Covers & What You Pay For Covered Services Coverage Period: 01/01/2018-12/31/2018. SM. : Blue Preferred Bronze PPO 206 Coverage for: Individual/Family Plan Type: PPO. The Summary of Benefits and Coverage (SBC) document will help you choose a health plan. The SBC shows you how you and the plan would share the cost for covered health care services. NOTE: Information about the cost of this plan (called the premium) will be provided separately. This is only a summary. For more information about your coverage, or to get a copy of the complete terms of coverage, visit 2018 or by calling 1-866-520-2507. For general definitions of common terms, such as allowed amount, balance billing, coinsurance, copayment, deductible, provider, or other underlined terms see the Glossary.
2 You can view the Glossary at Reports-and-Other-Resources/ or call 1-855-756-4448 to request a copy. Important Questions Answers Why This Matters: What is the overall Network: $4,700 Generally, you must pay all of the costs from providers up to the deductible amount before deductible? Individual/$14,100 Family. this plan begins to pay. If you have other family members on the plan, each family member Out-of-Network: $14,100 must meet their own individual deductible until the total amount of deductible expenses paid Individual/$42,300 Family. by all family members meets the overall family deductible. Are there services covered don't apply to This plan covers some items and services even if you haven't yet met the deductible amount.
3 Before you meet your in-network preventive care. But a copayment or coinsurance may apply. For example, this plan covers certain preventive deductible? services without cost-sharing and before you meet your deductible. See a list of covered preventive services at Are there other No. You don't have to meet deductibles for specific services. deductibles for specific services? What is the out-of-pocket Network: $7,350 The out-of-pocket limit is the most you could pay in a year for covered services. If you have limit for this plan? Individual/$14,700 Family. other family members in this plan, they have to meet their own out-of-pocket limits until the Out-of-Network: Unlimited overall family out-of-pocket limit has been met. Individual/Unlimited Family.
4 What is not included in the Premiums, balance-billed Even though you pay these expenses, they don't count toward the out-of-pocket limit. out-of-pocket limit? charges, and health care this plan doesn't cover. Will you pay less if you use For a list of Network providers This plan uses a provider network. You will pay less if you use a provider in the plan's network. a network provider? please call 1-866-520-2507 or You will pay the most if you use an out-of-network provider, and you might receive a bill from see a provider for the difference between the provider's charge and what your plan pays (balance billing). Be aware your network provider might use an out-of-network provider for some services (such as lab work). Check with your provider before you get services.
5 Do you need a referral to No. You can see the specialist you choose without a referral. see a specialist? Blue Cross and Blue Shield of Oklahoma, a Division of Health Care Service Corporation, a Mutual Legal Reserve Company, an Independent Licensee of the Blue Cross and Blue Shield Association 1 of 7. All copayment and coinsurance costs shown in this chart are after your deductible has been met, if a deductible applies. What You Will Pay Common Limitations, Exceptions, & Other Important Services You May Need Network Provider (You Out-of-Network Provider Medical Event Information will pay the least) (You will pay the most). Primary care visit to treat an 40% coinsurance 50% coinsurance Virtual visits may be available. *Please refer injury or illness to your policy for more details.
6 Specialist visit 50% coinsurance 50% coinsurance No referral Required. If you visit a health care Preventive care/screening/ No Charge; deductible 30% coinsurance Annual mammography screening and provider's office or immunization does not apply childhood immunizations are covered at 100%. clinic of the allowable amount Out-of-Network. You may have to pay for services that aren't preventive. Ask your provider if the services needed are preventive. *Then check what your plan will pay for. Diagnostic test (x-ray, blood Hospital 50% 50% coinsurance work) coinsurance None. Non-Hospital - 40%. coinsurance If you have a test Imaging (CT/PET scans, MRIs) Hospital 50% 50% coinsurance Preauthorization is required for some coinsurance services.
7 *See benefit booklet for more Non-Hospital - 40%. details. coinsurance If you need drugs to Preferred generic drugs Retail Preferred - Retail - 25% coinsurance Limited to a 30-day supply at retail (or a treat your illness or 20% coinsurance 90-day supply at a network of select retail condition Non-Preferred - pharmacies). Up to a 90-day supply at mail 25% coinsurance order. Specialty drugs limited to a 30-day More information about Non-preferred generic drugs Retail Preferred-25% Retail - 30% coinsurance supply. Payment of the difference between prescription drug coinsurance/ the cost of a brand name drug and a generic coverage is available at Non-Preferred-30% may also be required if a generic drug is coinsurance available. All Out-of-Network prescriptions com/content/dam/.
8 Preferred brand drugs Retail Preferred-30% Retail - 35% coinsurance are subject to a 50% additional charge after prime/memberportal/. coinsurance/ the applicable copay/coinsurance. Additional forms/AuthorForms/. Non-Preferred-35% charge will not apply to any deductible or HIM/2018/OK_6T_EX. coinsurance out-of-pocket amounts. pdf *For more information about limitations and exceptions, see the plan or policy document at pdf. 2 of 7. What You Will Pay Common Limitations, Exceptions, & Other Important Services You May Need Network Provider (You Out-of-Network Provider Medical Event Information will pay the least) (You will pay the most). Non-preferred brand drugs Retail Preferred - 35% Retail - 40% coinsurance coinsurance/. Non-Preferred - 40%.
9 Coinsurance Preferred specialty drugs Retail - 45% coinsurance Retail - 45% coinsurance Non-Preferred specialty drugs Retail - 50% coinsurance Retail - 50% coinsurance Facility fee ( , ambulatory Hospital $300/visit plus $1,500/visit plus 50%. surgery center) 50% coinsurance coinsurance Copayment is charged in addition to the If you have outpatient Non-Hospital - $300/visit overall deductible. Elective abortion is not surgery plus 40% coinsurance covered. $500 penalty for failure to Physician/surgeon fees $200/visit plus 50% 50% coinsurance preauthorize Out-of-Network. coinsurance Emergency room care $950/visit plus 50% $950/visit plus 50% Copayment is charged in addition to the coinsurance coinsurance overall deductible and is waived if admitted.
10 If you need immediate Emergency medical 50% coinsurance 50% coinsurance medical attention None. transportation Urgent care 50% coinsurance 50% coinsurance Copayment may apply. Facility fee ( , hospital $400/visit plus 50% $1,500/visit plus 50% Copayment is charged in addition to the If you have a hospital room) coinsurance coinsurance overall deductible. $500 penalty for failure to stay Physician/surgeon fees 50% coinsurance 50% coinsurance preauthorize. Outpatient services 40% coinsurance for 50% coinsurance Preauthorization required. $500 penalty for If you need mental office visit or 50% failure to preauthorize. Virtual visits may be health, behavioral coinsurance for other available for Outpatient services, *please refer health, or substance outpatient services to your policy for more details.