SummaryofBenefitsandCoverage: WhatthisPlanCovers ...

1 Summary of Benefits and Coverage: What this Plan Covers & What You Pay For Covered Services Coverage Period: 01/01/2019-12/31/2019. SM. : Blue Precision Silver HMO 206 Coverage for: Individual/Family Plan Type: HMO. 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 or by calling 1-800-892-2803. 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 https://. or call 1-855-756-4448 to request a copy. Important Questions Answers Why This Matters: What is the overall Individual: Participating $2,500 Generally, you must pay all of the costs from providers up to the deductible amount before deductible? Family: Participating $7,500 this plan begins to pay. If you have other family members on the plan, each family member must meet their own individual deductible until the total amount of deductible expenses paid by all family members meets the overall family deductible. Are there services covered Yes. In-Network Preventive Health This plan covers some items and services even if you haven't yet met the deductible amount.

3 Before you meet your and services with a copay are But a copayment or coinsurance may apply. For example, this plan covers certain preventive deductible? covered before you meet your services without cost-sharing and before you meet your deductible. See a list of covered deductible. 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 Individual: Participating $7,900 The out-of-pocket limit is the most you could pay in a year for covered services. If you have limit for this plan? Family: Participating $15,800 other family members in this plan, they have to meet their own out-of-pocket limits until the overall family out-of-pocket limit has been met.

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 Yes. See or call This plan uses a provider network. You will pay less if you use a provider in the plan's network. a network provider? 1-800-892-2803 for a list of You will pay the most if you use an out-of-network provider, and you might receive a bill from Participating Providers. 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).

5 Check with your provider before you get services. Do you need a referral to Yes. This plan will pay some or all of the costs to see a specialist for covered services but only if see a specialist? you have a referral before you see the specialist. Blue Cross and Blue Shield of Illinois, a Division of Health Care Service Corporation, a Mutual Legal Reserve Company, an Independent Licensee of the Blue Cross and Blue Shield Association SBC IL HMO IND-2019 1 of 6. 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 Participating Provider Non-Participating Limitations, Exceptions, & Other Important Services You May Need Medical Event (You will pay the least) Provider Information (You will pay the most).

6 Primary care visit to treat an $30/visit; deductible does Not Covered None injury or illness not apply Specialist visit $65/visit; deductible does Not Covered If you visit a health care Referral required. not apply provider's office or clinic Preventive care/screening/ No Charge; deductible Not Covered You may have to pay for services that aren't immunization does not apply preventive. Ask your provider if the services needed are preventive. Then check what your plan will pay for. Diagnostic test (x-ray, blood $20/test; deductible does Not Covered work) not apply If you have a test Referral required. Imaging (CT/PET scans, MRIs) $250/test; deductible Not Covered does not apply If you need drugs to Preferred generic drugs No Charge Not Covered treat your illness or Non-preferred generic drugs 10% coinsurance Not Covered Limited to a 30-day supply at retail (or a condition Preferred brand drugs 20% coinsurance Not Covered 90-day supply at a network of select retail More information about Non-preferred brand drugs 30% coinsurance Not Covered pharmacies).

7 Up to a 90-day supply at mail prescription drug Preferred specialty drugs 40% coinsurance Not Covered order. Specialty drugs limited to a 30-day coverage is available at Non-Preferred specialty drugs 50% coinsurance Not Covered supply. Payment of the difference between the cost of a brand name drug and a generic com/content/dam/ may also be required if a generic drug is prime/memberportal/ available. You may be eligible to synchronize forms/AuthorForms/ your prescription refills, please see your HIM/2019/2019_IL_6T_ benefit booklet* for details. Facility fee ( , ambulatory 50% coinsurance Not Covered Referral required. Abortion is not covered If you have outpatient surgery center) except in limited circumstances.

8 Surgery Physician/surgeon fees $30/visit; deductible does Not Covered For Outpatient Infusion Therapy, see your not apply benefit booklet* for details. *For more information about limitations and exceptions, see the plan or policy document at 2 of 6. What You Will Pay Common Participating Provider Non-Participating Limitations, Exceptions, & Other Important Services You May Need Medical Event (You will pay the least) Provider Information (You will pay the most). Emergency room care $1,000/visit plus 50% $1,000/visit plus 50%. coinsurance coinsurance None If you need immediate Emergency medical 50% coinsurance 50% coinsurance medical attention transportation Urgent care $65/visit; deductible does Not Covered Must be affiliated with member's chosen not apply medical group or referral required.

9 Facility fee ( , hospital $500/visit plus 50% Not Covered If you have a hospital room) coinsurance Referral required. stay Physician/surgeon fees No Charge; deductible Not Covered does not apply Outpatient services $30/office visits or 50% Not Covered If you need mental coinsurance for other health, behavioral outpatient services Referral required. health, or substance Inpatient services $500/visit plus 50% Not Covered abuse services coinsurance Office visits Primary Care: $30 Not Covered Copay applies to first prenatal visit (per Specialist: $65; pregnancy). Cost sharing does not apply to deductible does not apply certain preventive services.

10 Depending on the If you are pregnant Childbirth/delivery professional No Charge; deductible Not Covered type of services, coinsurance may apply. services does not apply Maternity care may include tests and services Childbirth/delivery facility $500/visit plus 50% Not Covered described elsewhere in the SBC ( services coinsurance ultrasound). Home health care 50% coinsurance Not Covered Rehabilitation services $30/visit; deductible does Not Covered If you need help not apply recovering or have Habilitation services $30/visit; deductible does Not Covered Referral required. other special health not apply needs Skilled nursing care 50% coinsurance Not Covered Durable medical equipment 50% coinsurance Not Covered Hospice services 50% coinsurance Not Covered 3 of 6.