Blue Cross Complete Member Handbook
Transcription
Blue Cross Complete Member Handbook
2016 Includes: Preferred Drug List and Specialty Drug Guide Guidelines to Good Health Certificate of Coverage Member Handbook A guide for all Blue Cross Complete members Contact us Welcome to Blue Cross Complete Customer Service Customer Service is available whenever you have a question or concern about benefits or services. Customer Service can answer your questions, help you understand your benefits and give you information about our policies. If you need care after hours, we can help you find urgent or emergency care. Call toll free: 1-800-228-8554 (TTY users should call 1-888-987-5832.) 24 hours a day, seven days a week Pharmacy Customer Service Call toll free: 1-888-288-3231 (TTY users should call 1-888-988-0071.) 8:30 a.m. to 6 p.m. Monday through Friday Write to us: Blue Cross Complete Suite 210 100 Galleria Officentre Southfield, MI 48034 This handbook explains your health plan benefits. It includes your member materials: • Blue Cross Complete Member Handbook: This explains your covered benefits and medicines, picking a doctor, getting preventive care, living with chronic conditions and more. • Preferred Drug List and Specialty Drug Guide: These are the medicines we cover. Getting started • Choose a doctor to be your primary care physician. You must have a primary care doctor to use your benefits. Other important phone numbers 24-hour Nurse Help Line 1-888-288-1724 (TTY: 1-888-987-5832) – If your current doctor is in our network, tell us his or her name. – If you’d like to choose or change doctors, call Customer Service. – If you don’t choose a doctor, we’ll choose one for you. Anti-fraud Unit 1-855-232-7640 (TTY: 711) Bright Start® maternity program 1-888-288-1722 (TTY: 1-888-987-5832) Outreach Team 1-888-288-1722 (TTY: 1-888-987-5832) (health education and resources) 1-800-784-8669 (TTY: 1-888-261-6259) Transportation1-888-803-4947 (TTY: 711) Healthy Michigan Plan members: Learn about more phone numbers for you in Part 5: Healthy Michigan Plan, including Dental Customer Service. The Healthy Michigan Plan is a health care program from the Michigan Department of Health and Human Services. Blue Cross Complete administers Healthy Michigan Plan benefits to eligible members. • Make an appointment with your primary care doctor for a well visit. • Read through this handbook. It explains how your plan works. You’ll read about your benefits, getting and staying healthy, our policies and other information about our health plan. Healthy Michigan Plan members: Learn more about your plan in Part 5: Healthy Michigan Plan. After joining Blue Cross Complete and picking a primary care doctor, you should: • Call for an appointment with your primary care doctor within 60 days, or at about two months. • See the doctor for this appointment within 150 days, or at about five months. During this visit, you’ll complete a Health Risk Assessment form. If you have any questions, please contact us. We look forward to serving you. Special needs Please call Customer Service if you need free help in another language or format. If you’d like to speak in another language, or need help reading or understanding a document, we can help. We can even help you in another language when you’re at your doctor’s office. Written materials may be available in other formats. Special needs Please call Customer Service if you need free help in another language or Necesidades especiales format.alIf Cliente you’d like to speakayuda in another language, need help reading or en otro idioma, Por favor, llame a Servicio si necesita en otro idioma oorformato. Si desea hablar understanding a document, we can help. We can even help you in another o necesita ayuda para leer o entender un documento, le podemos ayudar. Incluso le podemos ayudar en otro language when you’re at your doctor’s office. Written materials may be available idioma cuando está en el consultorio de su médico. Los materiales impresos pueden estar disponibles en otros in other formats. formatos. ﺍاﻻﺣﺘﻴﯿﺎﺟﺎﺕت ﺍاﻟﺨﺎﺻﺔ Thank you for choosing us to be part of your health care team. We partner with you and your doctor to make sure you get the health care you need, when you need it. • Certificate of Coverage: This is your health care contract with us. Visit us online: MiBlueCrossComplete.com Tobacco quit program Blue Cross Complete is one of many plans affiliated with Blue Cross Blue Shield of Michigan. You now carry the most widely recognized health care symbols — the Blue Cross and the Blue Shield. ﺃأﻭو ﺗﺤﺘﺎﺝج،٬ ﺇإﺫذﺍا ﻛﻨﺖ ﺗﺮﻳﯾﺪ ﺍاﻟﺘﺤﺪﺙث ﺑﻠﻐﺔ ﺃأﺧﺮﻯى.ﺍاﻟﺮﺟﺎء ﺍاﻻﺗﺼﺎﻝل ﺑﺨﺪﻣﺔ ﺍاﻟﻌﻤﻼء ﺇإﺫذﺍا ﻛﻨﺖ ﺗﺤﺘﺎﺝج ﻣﺴﺎﻋﺪﺓة ﻣﺠﺎﻧﻴﯿﺔ ﺑﻠﻐﺔ ﺃأﺧﺮﻯى ﺃأﻭو ﺷﻜﻞ ﺁآﺧﺮ ﻳﯾﻤﻜﻦ ﺗﻮﻓﺮ ﺍاﻟﻤﻮﺍاﺩد ﺍاﻟﻤﻜﺘﻮﺑﺔ. ﻳﯾﻤﻜﻨﻨﺎ ﺃأﻳﯾﻀﺎ ً ﻣﺴﺎﻋﺪﺗﻚ ﺑﻠﻐﺔ ﺃأﺧﺮﻯى ﻋﻨﺪﻣﺎ ﺗﻜﻮﻥن ﻓﻲ ﻣﻜﺘﺐ ﻁطﺒﻴﯿﺒﻚ. ﻳﯾﻤﻜﻨﻨﺎ ﺍاﻟﻤﺴﺎﻋﺪﺓة،٬ﻣﺴﺎﻋﺪﺓة ﻟﻘﺮﺍاءﺓة ﺃأﻭو ﻓﻬﮭﻢ ﻭوﺛﻴﯿﻘﺔ .ﺑﺄﺷﻜﺎﻝل ﺃأﺧﺮﻯى About Blue Cross Complete Blue Cross Complete of Michigan LLC is an independent licensee of the Blue Cross and Blue Shield Association. Blue Cross Complete is a state-approved Medicaid health maintenance organization. Please note: • Blue Cross Complete is not contracting as the agent of the Blue Cross and Blue Shield Association. • No person, entity or organization other than Blue Cross Complete will be held accountable or liable to you for any of Blue Cross Complete’s obligations created under the contract. • Blue Cross Complete is solely responsible for its own debts and other obligations. 1 Table of contents Part 1: Your Blue Cross Complete health plan......................................... 3 Part 1: Your Blue Cross Complete health plan Part 6: MIChild................................. 45 Information for members enrolled through the state’s MIChild plan. How to choose a doctor, make an appointment and get care. Getting primary and speciality care.................... 4 Part 7: Update your personal records............................................. 46 After hours, hospital and follow-up care............ 5 What to do when your family size changes and how to tell us your wishes for medical care, such as life support. Appointments..................................................... 9 Copays and reimbursements............................ 11 If your family changes....................................... 46 Part 2: Your health care benefits...... 13 Your Blue Cross Complete ID card You must show your Blue Cross ID card each time you visit your doctor or a hospital. You will also need it to fill prescriptions. It’s different from your mihealth card. Always keep both cards with you. If you lose your Blue Cross Complete card, call Customer Service right away. Your ID card 1 Enrollee Name: Your name 2 Enrollee ID: Identifies your record in our files Make your wishes known.................................. 46 What’s covered by Blue Cross Complete and the state of Michigan. Part 8: Your rights and responsibilities................................. 48 What’s covered by Blue Cross Complete......... 13 What’s covered by the state of Michigan......... 21 To get the most from your health care, follow these rights and responsibilities. Part 3: Prescription benefits............ 25 Beneficiary ID: Number assigned to you by the state 3 Member rights.................................................. 48 Read about your drug benefits, including generic medicines, filling a prescription, finding a pharmacy and the medicines we cover. Member responsibilities................................... 49 Help identify health care fraud......................... 50 Medicines covered by Blue Cross Complete... 25 Part 9: If you have a concern........... 52 Medicines covered by the state of Michigan.... 26 What to do if you have a complaint or would like to appeal a medical decision. Preferred Drug List........................................... 27 Specialty Drug Guide....................................... 29 Part 10: Your privacy........................ 55 Learn more about preventive health care, including recommended tests and screenings, healthy behaviors and important health numbers you should always know. How we handle your private and confidential Enrollee Name information. VALUED CUSTOMER 6 Rx: Shows you have drug coverage MiBlueC ros s C omplete.com Your card may look slightly different. Plan RxBIN Issuer (80840) Notice of Privacy Practices............................... 56 Michigan Beneficiary ID M12345678 Part 11: Our Board of Managers...... 62 Part 5: Healthy Michigan Plan.......... 38 The Blue Cross Complete Board of Managers helps adopt and put in place the policies that say how Blue Cross Complete runs. Additional information for Blue Cross Complete members enrolled through the state of Michigan’s Healthy Michigan Plan. Certificate of Coverage.................... 63 What the Healthy Michigan Plan covers........... 39 How the Healthy Michigan Plan works............. 40 6 RxBIN & RxPCN: Drug plan numbers XYU888888888 Guidelines to Good Health.............................. 36 4 3 5 Our commitment to your privacy..................... 55 9101000021 5 Group Number: Shows the group in which you’re enrolled Enrollee ID Health information to support your goals........ 30 2 4 Grievances and appeals................................... 52 Part 4: Guidelines to good health.... 30 1 RxPCN Group Number 00277723 HMO 600428 06210000 Blue Cross Complete of Michigan LLC Customer Service An in depen den t licen see of t h e Blu e Cross an d Blu e Sh ield Associat ion Hospital and medical claims – Providers in Michigan, file claims with: Blue Cross Complete P.O. Box 7355 London, KY 40742 Providers outside Michigan, file claims with your local BCBS plan. Out-of-state services are covered only in an emergency or when authorized by Blue Cross Complete. Pharmacy claims: P.O. Box 516 Essington, PA 19029 PerformRx Blue Cross Complete: 800-228-8554 TTY/TDD: PerformRx: TTY/TDD: 888-987-5832 888-288-3231 888-988-0071 Mental health/substance abuse treatment: 888-288-1722 Providers Only: Medical authorizations and inquiries: 888-312-5713 Pharmacy authorizations and inquiries: 888-989-0057 Misuse may result in prosecution. If you suspect fraud: 855-232-7640 Use of this card is subject to terms of applicable contracts and certificates. Pha rma c y Be ne f it s Adminis t ra t or Healthy Michigan Plan members: Learn more about your ID card in Part 5: Healthy Michigan Plan. On the back of your ID card, you’ll find: Supplemental Certificate of Coverage for Healthy Michigan Plan members...................... 43 • A magnetic strip to help providers process claims in the future. It has information from the front of the card and your birth date. It doesn’t have any benefit or health information. • Toll-free Customer Service numbers and other important numbers. 2 3 Customer Service 1-800-228-8554 24 hours a day, seven days a week Getting primary and specialty care Specialty care You may need medical care that your primary care doctor can’t provide. He or she may ask you to see a specialist. A specialist is a doctor with training in a specific area of medicine, such as a cardiologist — a doctor who checks the heart. Primary care To use your Blue Cross Complete benefits, you choose a primary care physician who will be your health care partner. A primary care physician is your personal doctor. This is your health care partner who will manage all of your health care needs. Your personal doctor cares about you, and you can talk to him or her about your health. You can get specialty care from a Blue Cross Complete provider without a referral. Sometimes a specialist may be your primary care doctor. If you, your Blue Cross Complete doctor and your specialist think a specialist should be your primary care doctor, call Customer Service. You can also choose a nurse practitioner as your primary care doctor. Build a relationship with your personal doctor. He or she is the first doctor you see when you have health concerns. He or she will help you when you are sick and help you get healthy and stay well. Call your primary care doctor first for all your health care needs. These include routine check-ups, illness or an injury that needs prompt attention. Coordination of care Your personal doctor is responsible for overseeing your care. If you or your child sees more than one doctor, such as a specialist or mental health provider, tell your personal doctor. He or she should know about your care with other providers. State and federal health centers Learn more about after-hours care, such as urgent and emergency care, in After hours, hospital and follow-up care in this section. Your doctors work with each other to make sure your care is safe and effective. Your doctor may need information from your other doctors to make sure you are getting the care you need. Child and Adolescent Health Centers Child and Adolescent Health Centers are state health care centers for children and teens. Most children under age 21 can also get health care at these centers. You do not need a referral. For help finding a center, call Customer Service. Customer Service 1-800-228-8554 24 hours a day, seven days a week Federally Qualified Health Centers FQHCs are community-based organizations that provide health care services. You have a right to access medical and behavioral health services at an FQHC in your county. To find an FQHC near you, call Customer Service. It’s OK to ask your doctor if he or she knows about your recent care and if he or she has recent updates from your other providers. After hours, hospital and follow-up care Obstetrics and gynecology If you need nonemergency care outside of normal business hours, call your doctor first. Women: You may get routine obstetrics and gynecology care from your primary care doctor. You may also get other women’s health specialist services from any network provider. You don’t need a referral. He or she may make special arrangements for you. Your doctor may send you to an urgent care center or to another provider. If you’re unable to reach your doctor, you can call Customer Service. You may also call our 24-hour Nurse Help Line. You can see a Blue Cross Complete obstetrician or gynecologist for routine care, such as office visits and Pap tests, without a referral. You can do this even if your obstetrician or gynecologist isn’t your primary care doctor. Pregnant women: You may be able to see an out-of-network provider without a referral. If you are pregnant or think you are pregnant, it’s very important to see a doctor right away. Customer Service can help you schedule a prenatal appointment. They can also give you more information about extra services that may be available for parents and baby. Getting the care you need helps you and your baby stay healthy. Pediatrics Children: Your child can see a Blue Cross Complete pediatrician without a referral. Your child can do this even if your child’s pediatrician isn’t his or her primary care doctor. Learn more about healthy pregnancies in Part 4: Guidelines to good health. Urgent and after-hours care Urgent care centers and after-hours clinics are helpful if you need care quickly but can’t see your primary care doctor. You don’t need a referral or prior authorization to go to an urgent care center. These places can treat illnesses that should be cared for within 48 hours, such as the flu, high fevers or a sore throat. They can also treat ear infections, eye irritations and low back pain. If you fell and have a sprain or pain, it can be treated at an urgent care center. If you aren’t sure if you need urgent care, call your doctor. He or she may be able to treat you in his or her office. Blue Cross Complete members under age 18 may have a pediatrician or another doctor as their primary care doctor. This could be a family doctor or general practitioner. If your child’s doctor isn’t a pediatrician, your child may still see a pediatrician without a referral. 4 5 24-hour Nurse Help Line 1-888-288-1724 24 hours a day, seven days a week Hospital care — Emergencies and nonemergencies Nonemergency care You may go to the hospital for other services that aren’t an emergency, such as surgeries, to have a baby or for some tests. Some inpatient and outpatient nonemergency services must be provided at a Blue Cross Complete network hospital. You may need prior authorization. Emergency care You are covered anywhere in the world for emergency services. You don’t need a referral or prior authorization to get emergency care. ! If you have an emergency and delaying your care to call your primary care doctor may cause permanent damage to your health, get care first. Go to the nearest emergency room or call 911. You may go to any emergency facility. The right care at the right time If you feel the sniffles or flu coming on, you may only need a trip to your doctor’s office or an urgent care clinic. But what if it’s an emergency? To help you decide the best place to get care, see the chart below. It shows examples of urgent and emergency care. You can also call your doctor or our 24-hour Nurse Help Line. A medical emergency means if you don’t get immediate medical attention: • Your health, or the health of your unborn baby (if you’re pregnant), may be in danger. ! • Your body functions may be seriously damaged. In an emergency, don’t delay — go to the nearest emergency room or call 911. • Any organ or part of your body may not work properly again. Minor sore throat Emergency conditions may include: Nonemergency • Severe pain Call your doctor or go to an urgent care center for: • Unusual chest pain • Problems breathing Earache Minor cuts and scrapes Sprains and strains Fever under 103º F Colds and flu • Puncture wounds Broken bones or severe sprains • Nonstop bleeding Deep cuts or uncontrolled bleeding • Broken bones Poisoning • Severe bites or burns Severe burns • Blows to the head Chest pain or sudden severe pain • Sudden loss of strength or feeling in the arms or legs Emergency Go to the ER or call 911 for: Emergency services are: • Given by a provider who is qualified • Needed to evaluate or stabilize an emergency Fever over 103º F Coughing or vomiting blood Sudden dizziness, weakness, loss of coordination or balance, or loss of consciousness Numbness in face, arm or leg Once you are in stable condition after an emergency, you may need more care to get better or to fix your condition. This is called “poststabilization.” Seizures If you receive emergency care at an out-of-network hospital or facility, Blue Cross Complete may transfer you to a network hospital when it is safe to do so. We cover emergency transportation. Sudden blurred vision or sudden severe or unusual headache ! 24-hour Nurse Help Line 1-888-288-1724 24 hours a day, seven days a week If you have a medical emergency when you are outside the Blue Cross Complete service area, call 911 or get help at the nearest medical facility. Difficulty breathing Learn more about transportation in Part 2: Your health care benefits. Follow-up care Follow-up care helps you get the care you need after a trip to the urgent care or ER. Follow up with your primary care doctor so he or she can make sure you get the right follow-up care and services. After urgent or emergency medical care, follow up with your primary care doctor within 24 hours. If you were in the hospital for mental health care, follow up with your mental health or primary care doctor within seven days. Your provider will help you get any extra care you may need. 6 7 Did you know? You can see a network OB-GYN without a referral. Choosing a doctor Out-of-network services Out-of-network service means care provided by doctors who aren’t in our network. When you are outside of the service area, including out of the state or out of the country, Blue Cross Complete does not pay for routine care. We have providers for all your health care needs, and our network gives you access to some of Michigan’s top doctors and facilities. You may choose and see any of the primary care doctors or specialists in our network. Blue Cross Complete must approve of any out-of-network services before you get them. If a Blue Cross Complete doctor is unable to provide these services, Blue Cross Complete will cover the services by an out-of-network doctor. We’ll cover them until a network doctor can provide them. Finding a provider If the doctor you have now is in our network, he or she can be your Blue Cross Complete doctor. If your current doctor isn’t in the Blue Cross Complete network, you must choose a Blue Cross Complete doctor. For help choosing your doctor, call Customer Service. Prior authorization Our online provider search Maybe you prefer a doctor who speaks a certain language or who is from a background or culture similar to yours. You may want to choose a doctor who is close to your home. Maybe you need a doctor who has evening or weekend hours. Visit us online: MiBlueCrossComplete.com You can see any doctor in our network without prior authorization. You must have prior authorization to see a provider who is not in our network, even if he or she is in our service area. The best place to start looking for a doctor is on our website. Our online provider search includes our network doctors, specialists and facilities. For our primary care doctors, the search also includes any foreign languages the doctor speaks and if he or she is accepting new patients. If you’re traveling, we may cover medically necessary services with prior authorization. Appointments You can also call Customer Service to get this information or to have it mailed to you. Customer Service can also help you choose or change your primary care doctor or find a different provider. To see your doctor, you’ll need an appointment. Making an appointment Changing your primary care doctor To make an appointment, call your doctor’s office. Have your Blue Cross Complete ID card ready. Tell the staff if you are a new or existing patient as well as the kind of appointment you need. You may be making an appointment for a well visit or because you’re sick. This helps the doctor’s staff make the right kind of appointment for you. If you need to change your doctor, please call Customer Service. They can explain how it works and help you find a new doctor in our network. If you need health care before your change is effective, see your current doctor. If it’s after hours or you can’t get in to see your doctor, go to an urgent care center. In a life-threatening emergency, go to the nearest ER or call 911. If you’re a new patient, also tell them you’re a Blue Cross Complete member and confirm that the doctor is a network provider. Make sure the doctor is seeing new patients, and confirm the office location and hours. Ask how to get in touch with the doctor in an emergency. If your doctor leaves our network Sometimes doctors leave our network. If your doctor leaves, we’ll let you know. You’ll need to pick a new doctor. If you are pregnant or have a terminal illness, you may be able to continue treatment with your doctor for a short period of time, even after he or she leaves our network. This is called continuity of care. If you would like us to consider continuity of care for you, please call Customer Service. Your request will be reviewed. The decision will be based on your condition. You can also call Customer Service for help finding a new doctor. Sometimes, Blue Cross Complete needs to give permission for you to get some services. This is called prior authorization. Call Customer Service to make sure you have the authorization you need. Customer Service 1-800-228-8554 24 hours a day, seven days a week The office staff will find a date and time for your appointment. Take your Blue Cross ID card with you. If you need help getting to your doctor’s office, call our ride service at 1-888-803-4947 from 8 a.m. to 5:30 p.m. Monday through Friday. Changing or canceling an appointment Call your doctor as soon as possible if you need to change or cancel your appointment. Most offices prefer that, when possible, you cancel at least 24 hours before your appointment time. Out-of-network services and prior authorization You must get most of your care from providers in our provider network. You can see any doctor in our network without a referral. Customer Service can help you find providers in our network. 8 9 Learn more about transportation in Part 2: Your health care benefits. Copays and reimbursements Getting care and appointments When and where you get care matters. That’s because your doctor’s office, urgent care centers and emergency rooms have different resources for specific kinds of care. Don’t forget that regular visits with your doctor help you get the best care. Copayments Most Blue Cross Complete members do not pay copays for covered services. You shouldn’t have to pay when getting services covered by Blue Cross Complete. These charts show how soon you should be able to get an appointment for certain kinds of care. Unless it’s an emergency, make appointments with your primary care doctor. Medical health services Type of visit For Standard scheduling times Preventive care (primary and specialty care) A health history and exam. Includes screenings and shots listed in the Guidelines to Good Health. For women, this includes your annual gynecology exam. 30 calendar days Routine care 10 calendar Conditions that are not sudden or not life threatening, or symptoms that keep coming days back, such as rashes and joint or muscle pain. Or, conditions that need ongoing care. Urgent care Sudden but not life-threatening conditions, such as fever greater than 101 degrees lasting for more than 24 hours, vomiting that persists, mild diarrhea or a new skin rash. Within 48 hours A condition that is life threatening or requires immediate help. Right away Emergency care Other services from the state of Michigan, such as those listed in Part 2: Your health care benefits, may have a small copay. Please call your Department of Human Services case worker for information. Learn more about urgent and emergency care in After hours and follow-up care in this section. Healthy Michigan Plan members: Healthy Michigan Plan members have cost sharing, including copays and contributions. Learn more about cost-sharing in Part 5: Healthy Michigan Plan and the Healthy Michigan Plan Certificate of Coverage. Blue Cross Complete members shouldn’t get any bills for covered services from providers. They will bill Blue Cross Complete for the covered medical services you receive. If you get a bill from a provider, you can send the bill to Blue Cross Complete to review. Reimbursements You may get emergency or other authorized care outside our service area, including out of the state or country. If you do, you may need to pay for the services and ask Blue Cross Complete to pay you back, also called reimbursement. To be reimbursed, you must send us a form, your bills and payment receipts. Customer Service can send you the forms and give you information. Emergency care costs: To ask us to reimburse emergency care costs you paid, fill out and complete a Member Claim Reimbursement form. Customer Service can mail you this form. Type of visit For Standard scheduling times Travel costs: To ask us to reimburse approved travel costs, including meals and lodging, for medical care, fill out and complete a Travel, Meals and Lodging Reimbursement form. Customer Service can mail you this form. They can also answer any questions you have before you travel and tell you about our policies. Routine care Cases where no danger is found and your ability to cope is not in danger. Within 10 business days Pharmacy costs: To ask us to reimburse prescription costs you paid, fill out and complete a Prescription Drug Reimbursement form. Pharmacy Customer Service can mail you this form. Urgent care Conditions that are not life threatening, but face-to-face contact is needed quickly, such as anxiety or panic attacks. Within 48 hours When you get your form, please follow the instructions and complete the form. Return the form to us with the information requested. If Blue Cross Complete does not pay the claim, we will tell you why. Emergency care (not life threatening) Within 6 Conditions that require rapid help to prevent a decline in your state of mind that, hours if left untreated, could put your safety at risk. Emergency care (life threatening) Conditions that require immediate help to prevent death or serious harm to yourself or others. Mental health services 10 Right away Please send your form and information within either: • 90 days of when you receive the bill or Did you know? Your child can see a network pediatrician without a referral. • One year after the date you received the service If your claim is denied, you have rights to appeal the decision. Learn more about appeals in Part 8: If you have a concern. Call Customer Service if you have questions about your care, covered services, how to use your benefits or how we pay doctors. 11 Customer Service 1-800-228-8554 24 hours a day, seven days a week Part 2: Your health care benefits Our commitments to you Blue Cross Complete and other members of your health care team want you to get the right care at the right time. This means you get the care and services you need to stay healthy, when you need them. You’re a Blue Cross Complete member. Most of your health care is covered by Blue Cross Complete, but you may get some care and services from the state of Michigan. This section will help you understand what services are covered and how to get them. We take action to make sure the care you get meets your needs and national care standards. We also want to make sure you can get information about how we’re doing and how well our programs are working to meet these standards. Getting the right care at the right time What’s covered by Blue Cross Complete To make sure we’re supporting your access to the right care at the right time, we set and follow certain rules and guidelines. We want to help you get, stay and be healthy. And that means health care benefits that give you the care you need, when you need it. Blue Cross Complete members have a wide range of benefits, such as: • We work to remove barriers to care and service. • Our decisions about your use of health care are made based only on your need and health coverage. • We do not reward health care providers or others to deny coverage. Customer Service 1-800-228-8554 24 hours a day, seven days a week • We do not pay care management staff to make decisions to give you less care than you need. This section provides an overview of your benefits. Any rules about your benefits, such as how often you can get some services, and details about all covered services are in the Certificate of Coverage. Our quality improvement programs help doctors give you appropriate care. This handbook gives you information about these programs and our clinical practice guidelines. To request this information, call Customer Service. You can ask for information about our: Outreach Team 1-888-288-1722 8 a.m. to 6:30 p.m. Monday through Friday • Clinical practice guidelines • Quality Improvement program, which includes our goals and progress For disease and health information, call our Outreach Team. Healthy Michigan Plan members: You have all the benefits of Blue Cross Complete. You also have additional benefits and responsibilities. Learn more in Part 5: Healthy Michigan Plan. Preventive and medical care We want you to get and stay well. To help you do that, we cover many preventive and routine medical services, and offer health education programs. We cover: • Doctor and specialist visits, including visits to chiropractors, podiatrists and nurse practitioners • Regular or annual well visits •Vaccines • Lab work, X-rays and other imaging services • Allergy testing, treatment and injections • Family planning, including birth control 12 Learn about benefits from the state of Michigan in What’s covered by the state of Michigan in this section. Always check your certificate or call Customer Service if you have questions about any of your benefits. Understanding your certificate helps you make the most of your benefits. It can also help you make decisions about care that may not be covered. Quality improvement programs •CAHPS scores • Urgent and emergency care We also have many free programs to help you and your family live healthy. Maybe you need extra help when you are sick or living with a chronic condition such as asthma, diabetes or heart disease. Or maybe you’re a soon-to-be or new mom. We have programs for you and your kids, too. We’re proud that our health management programs and other practices help you and other members get healthier and stay that way. These programs and practices also support our mission to provide you efficient and appropriate care in a timely manner — the right care at the right time. ® • Medical supplies, such as diabetes test strips Learn more about your drug coverage for prescriptions in Part 3: Prescription benefits. •Medicines • We do not hire, promote or end our relationships with health care providers and others based on if they will or may support denying care or services. •HEDIS® scores • Health care such as doctor’s visits, vaccines and more 13 Learn more about all your benefits in the Certificate of Coverage at the back of this book. Durable medical equipment • HIV/AIDS testing and treatment of sexually transmitted diseases Some medical conditions need special equipment. Durable medical equipment we cover includes: • Services you may get at Federally Qualified Health Centers • Health education programs, including chronic condition management and tobacco cessation • Equipment such as nebulizers, catheters, crutches, wheelchairs and other devices • Nutritional counseling for members with certain conditions, such as heart failure, diabetes or prediabetes, high body mass index and more • Disposable medical supplies, such as ostomy supplies, peak flow meters and alcohol pads • Medically necessary weight reduction services • Diabetes supplies, such as lancets, test strips, insulin needles, blood glucose meters and insulin pumps • Emergency and urgent care services • Prosthetics and orthotics • Rehabilitative therapy, including cardiac rehab, physical, speech and occupational therapies – Special note: Prosthetics replace a missing body part, such as a hand or leg. They may also help the body function. Orthotics correct, align or support body parts that may be deformed. Hospital and surgical care When you need extra care or have an emergency, we cover most hospital care, surgery and lab work. This includes: To get durable medical equipment, you need a prescription from your doctor. You also need authorization from Blue Cross Complete. You must get your item from a network provider. To find network durable medical equipment providers, call Customer Service or use our online search. • Outpatient surgical services (this is when you don’t stay overnight at a hospital) • Chemotherapy and other drug treatments for cancer Customer Service 1-800-228-8554 24 hours a day, seven days a week Vision, hearing and dental Vision: Eye care is an important part of your overall health. To make sure your eyes are healthy and help you see the best you can, we cover: • Dialysis and treatment of kidney disease, including end-stage renal disease • Cost of a shared hospital room • Routine eye exams • Intensive care nursing • A pair of glasses • Lab work, X-rays, imaging services, therapies and other medical supplies while you’re in the hospital • Replacement glasses if your glasses are lost or broken • Retinal eye exams for members with diabetes – Special note: You don’t need a referral for retinal exams. • Surgeries, including organ transplants The services must be from a network vision center. For a list of network eye doctors and vision centers, call Customer Service or use our online provider search. Home health care, skilled nursing services and hospice care Sometimes, you may need long-term care. To help you get the care you need, we may cover: Hearing: How well you hear affects your quality of life. We help you hear the best you can by covering: • Short-term nursing home services (long-term care is provided by the state of Michigan) • Hearing exams for all members • Home health care services for members who are homebound • Hearing aids for members under age 21 and Healthy Michigan Plan members • Supplies and equipment related to home health care Healthy Michigan Plan members: Learn more about your hearing aid benefits in Part 5: Healthy Michigan Plan. • Hospice care – Special note: Hospice care must be approved and arranged by your primary care doctor and Blue Cross Complete. Care must take place in the Blue Cross Complete service area. To find a network hearing provider, call Customer Service or use our online provider search. Did you know? Talk to a nurse anytime. We have a free 24-hour Nurse Help Line. 14 15 Visit us online: MiBlueCrossComplete.com Care for women Dental care: Your oral health says a lot about your overall health. Any member under age 21 or his or her parent or guardian can call Customer Service to find a dentist. If you are age 21 or over, see What’s covered by the state of Michigan in this section. Blue Cross Complete may cover oral surgery in some situations. Healthy Michigan Plan members: Learn more about your dental benefits in Part 5: Healthy Michigan Plan. Mental health services Women have special health needs. To make sure you get the care you need to be at your best for you and your family, we also cover: • Family planning • Pregnancy testing Learn more in What’s covered by the state of Michigan. We want you to feel your best, including your mental health and emotional feelings. To help you, we cover short-term mental health care, up to 20 outpatient visits a year. These visits may be with a network therapist, such as a counselor, licensed clinical social worker or psychologist. More mental health care and services, such as long-term mental health care and substance use disorder, may be covered by the state of Michigan. • Prenatal and postpartum care • Midwife services • Delivery care • Parenting and birthing classes • Mammograms and breast cancer services, such as treatment and reconstruction If you need emergency care for a life-threatening condition, or if you’re having thoughts of suicide or death, go to the nearest emergency room or call 911. Help is available for you now. Family planning may include counseling about when to start a family or what size of family is best for you. It may also include education about birth control and other services. Family planning clinics can also write prescriptions for birth control. Since we know how important your health care is, we want it to be easy for you to get to your appointments and pick up your medicines. Use our free ride service to get to nonemergency covered services such as: • Ongoing or regular doctor’s visits or sick visits and other medical care • Durable medical equipment suppliers to pick up your medical supplies To get a ride, call our ride service. We’ll help you find the best kind of ride for your health condition and appointment type. Please remember to schedule two days in advance. If you need to cancel a ride, call four hours ahead of your appointment. Rides for nonmedical services aren’t covered. For emergency transportation, always call 911. We also cover emergency transportation, such as ambulances. Your doctor or care provider will arrange for other covered transportation, such as: Transportation 1-888-803-4947 8 a.m. to 5:30 p.m. Monday through Friday. You can get family planning services from any doctor, clinic or health department. You don’t need a referral. Customer Service can help you find a family planning clinic. Care for children and teens The health care children and teens get shapes their adult health habits. To help your child or teen younger than age 21 to be as healthy as he or she can be, we also cover: • Regular well visits and follow-up care • Physical exams and developmental screening • Childhood vaccines • Testing for lead poisoning • Services you may get at Child and Adolescent Health Centers • Transfers between hospitals • Early Periodic Screening Diagnosis and Treatment program services • Ambulance transportation between a skilled nursing facility and hospital • Hearing exams and hearing aids • Eye exams and glasses • Oral health screening and fluoride treatment 16 24-hour Nurse Help Line 1-888-288-1724 24 hours a day, seven days a week • Pap tests Transportation • Pharmacies to pick up your prescriptions • HIV/AIDS testing and treatment of sexually transmitted diseases • Pregnancy and maternity care Customer Service can help you find a network mental health provider or you can use our online search. Or, you can call a network provider directly. You do not need a referral. ! • Birth control and birth control counseling 17 Outreach Team 1-888-288-1722 8 a.m. to 5:30 p.m. Monday through Friday Extra help and health programs MDHHS Family Center for Children and Youth with Special Health Care Needs: This center provides a parent support network and training programs. It may also provide financial help for conferences about special needs and more. If you have questions about this program, call the CSHCS Family Phone Line at 1-800-359-3722 from 8 a.m. to 5 p.m. Monday through Friday. To help you get and stay in your best health, we offer many free programs to give you the education and support you need. We have programs for children, adults and new or soon-to-be moms. Our Outreach Team can help you learn more about these programs. They can answer your questions or help you join these free programs. Outreach Team We have a team of nurses and other staff to support your health needs. Our Outreach Team can give you health information, help you with a chronic condition, help you get medical supplies and more. 24-hour Nurse Help Line Outreach Team 1-888-288-1722 8 a.m. to 5:30 p.m. Monday through Friday Our free 24-hour Nurse Help Line can help you get answers to your health questions right away. It is a confidential service just for you. The nurse line can help you make informed health care choices when your doctor is not available. County health departments: Your county health department can help you find local resources. These may include parent support groups, adult transition help, childcare, vaccines and more. For help finding your local county health department, visit your county’s website, michigan.gov or mibluecrosscomplete.com. You can also call Customer Service. Children’s Special Needs Fund: The Children’s Special Needs Fund helps families get items not covered by Medicaid or CSHCS. These items promote the health, mobility and development of your child. They may include wheelchair ramps, van lifts and mobility equipment. To see if you quality for help from this fund call 1-517-241-7420. Customer Service can answer your questions about EPSDT and CSHCS. Chronic condition management EPSDT To make sure children and young adults who qualify get the medical care they need, Medicaid created the Early Periodic Screening, Diagnosis and Treatment program. EPSDT is Medicaid’s health coverage for children and teens. Blue Cross Complete of Michigan provides EPSDT services. For members under age 21, an annual exam may include several of these services: 24-hour Nurse Help Line 1-888-288-1724 24 hours a day, seven days a week If you have a chronic medical condition such as diabetes or heart disease, we’ll enroll you in our free chronic condition management programs. We’ll send you health education materials to help you understand and manage your health. We have programs for members with asthma, COPD, diabetes, heart disease and heart failure. Care management If you are seriously ill or injured, we can give you the extra help and support you need through care management. This program has the information, tools and help you need to make good health care choices and make the most of your benefits if you are very sick. • Physical and developmental exams, including autism screening • Height and weight • Blood pressure test Your personal care management is handled by care management nurses. Care managers are registered nurses who understand all parts of the health care system. Many have training in specific diseases and are certified in case management. • Hearing, vision and dental tests • Vaccines • Lead screening Your nurse works with you and your doctor to coordinate your health care. Your nurse is a great resource when you have questions about your care. All the information we discuss with you or your doctor is confidential. • Cholesterol screening, as needed Your doctor may also talk to you about your or your child’s health, nutrition and other health topics. He or she may also refer you to other services and resources. Bright Start® pregnancy program Our Bright Start® program is especially for our pregnant members. We want to make sure you have all you need for a healthy pregnancy and baby. Children’s Special Health Care Services Program Bright Start will help you learn about pregnancy and prepare for delivery. Members who are in the program can also reach out to or work with a case manager when they have questions. If your child has a serious, chronic medical condition, he or she may be eligible for Children’s Special Health Care Services. CSHCS provides extra support for children and some adults who have special health care needs. This is in addition to the medical care and care coordination from Blue Cross Complete. There is no cost for this program. It doesn’t change your child’s Blue Cross Complete benefits, service or doctors. CSHCS provides services and resources through the following agencies. 18 Did you know? Get where you’re going. Our free ride service can help you get to your covered services. Call our Outreach Team if you’d like to find out more about our chronic condition and case management programs or Bright Start. 19 Customer Service 1-800-228-8554 24 hours a day, seven days a week Tobacco cessation Using the right health services in the right amount helps make sure you are getting the very best care. If you use tobacco, we can help you whether you are thinking about quitting, are ready to quit or just want more information. We have several options to help you quit using tobacco. You and your provider can decide what therapies or combination or therapies are best for you. Excluded medical and drug services Some services and drugs aren’t covered. For a complete list, please see your Certificate of Coverage. These services are not covered: Tobacco quit program • Elective abortion and related services Our tobacco quit program is a free, phone-based support program that gives you support and resources to increase your success of quitting. You’ll talk to a nurse health coach, who can help you create a plan to quit and set a date to start a new life without tobacco. This program can offer personal support and encouragement, answer questions and track your progress. Each phone session is designed to help you overcome the urge to use tobacco. • Infertility treatment Tobacco quit program 1-800-784-8669 8 a.m. to 1 a.m. seven days a week Your doctor may suggest medical services that Blue Cross Complete doesn’t cover. If you get services Blue Cross Complete doesn’t cover, you may have to pay for them. Sometimes, the Michigan Department of Health and Human Services or another agency may cover them. See your Certificate of Coverage or call Customer Service to check your coverage before getting medical services. Learn about what the state covers in What’s covered by the state of Michigan in this section. Group and individual counseling and coaching We also cover group and individual counseling or coaching to help you quit smoking. These sessions are in addition to your 20 outpatient mental health visits. New technology Experts advise Blue Cross Complete on changes in medical practice and technology. This helps Blue Cross Complete decide which new services to cover. This is how Blue Cross Complete maintains benefits coverage. Please see your Certificate of Coverage for more information. Smoking cessation medicines We cover many over-the-counter and prescription medicines that may help you quit using tobacco. Over-the-counter products may include generic forms of products such as Nicorette® (gum), Nicoderm® (patch) and Commit® (lozenge). Prescription medicines may include Nicotrol® (nasal spray, inhaler), generic Zyban® and others. Benefits monitoring program We participate in MDHHS’ Benefits Monitoring Program. This program helps you make the most of your benefits and use the services that are right for you. We may review the services you need and use. Sometimes, you can use health services better, or use different services, to manage your health. When we see this opportunity, we teach you how to get these services and use them. To help you manage your health services, we may enroll you in this program. We may do this if the services you use aren’t needed for your health condition. This could include: • Elective cosmetic surgery Getting noncovered benefits Together, you and your nurse health coach will create an action plan to gradually stop using tobacco and set a quit date when you’re ready. For more information or to enroll, call the tobacco quit program. You may get any over-the-counter nicotine patches, inhalers, nasal sprays, and gums or lozenges. You need a doctor’s prescription for the over-the-counter medicines to be covered. • Experimental or investigational drugs, procedures or equipment Learn more about your prescription benefits in Part 3: Prescription benefits. What’s covered by the state of Michigan In addition to what Blue Cross Complete covers for you, the state of Michigan covers some other services. To learn how to get these services, please call your DHS case worker or Blue Cross Complete Customer Service. Dental care Any member under age 21 or his or her parent or guardian can call Customer Service to find a dentist. For members age 21 and older, the state of Michigan’s Medicaid program may cover routine exams, preventive services and some other care. The state may also cover emergency services, including treatment for pain or infection. Healthy Michigan Plan members: Learn more about your dental benefits in Part 5: Healthy Michigan Plan. Developmental disabilities The Michigan Community Mental Health Program helps people with developmental disabilities. If you or anyone in your family may need these services and is eligible for Medicaid, call Customer Service. Did you know? • Going to the emergency room when it’s not an emergency • Seeing too many different doctors instead of your primary care doctor Follow up with your doctor within 24 hours after an urgent care or emergency room visit. • Getting more medicines than may be safe • Or, activity that may indicate fraud 20 Customer Service 1-800-228-8554 24 hours a day, seven days a week 21 Drug and alcohol treatment Maternal Infant Health Program People who are dependent on drugs or alcohol may: • Use drugs even if drugs have a poor impact on health, work or family Some of the services include rides to your doctor’s office and classes about childbirth and parenting. The program also helps you access other community resources. The services are free and you don’t need a referral. For information or to find an MIHP provider, please call Customer Service. • Be violent sometimes Transportation You may wonder if you or someone in your family has a problem with drugs or alcohol. Drug and alcohol abuse have some classic signs, according to the National Institutes of Health. The Maternal Infant Health Program may be able to help you during your pregnancy. MIHP can help you get services from providers, such as a social worker, nurse, nutritionist or other health care provider. • Seem confused These state programs may provide transportation service. If you live in Wayne County and need a ride for dental, substance abuse and some mental health services, call Logisticare. They can be reached at 1-866-569-1902 from 8 a.m. to 5 p.m. Monday through Friday. • Be upset when asked about drug use • Be unable to stop or reduce use • Make excuses to use drugs Additional services • Miss work or school, or start doing poorly at work or school These services are not covered by Blue Cross Complete but may be available to you: • Need to use drugs or drink regularly, such as every day, to feel normal • Not eat or take care of their appearance • Services provided by a school district • Take part in less activities • Long-term mental health services such as psychiatric services and outpatient partial hospitalization • Try to hide drug use • Substance abuse services, such as screening and assessment, detoxification, intensive outpatient counseling, methadone treatment • Use drugs when they’re alone • Long-term care in the home through home and community-based program services Who to call for treatment To get help for drug or alcohol issues, please call your local substance abuse coordinating agency. You can also call Customer Service. • Custodial care in a nursing facility Nursing home services • Personal care and home help services Blue Cross Complete pays for short-term nursing home services. Medicaid pays for long-term nursing home services. For more information, call Customer Service. • Traumatic brain injury program services For more information on how to access these services, call your DHS case worker or Blue Cross Complete Customer Service. There may be small copays for services provided by the state of Michigan. Women, Infants and Children program WIC is a program that provides healthy foods and education about eating right. WIC is for: • Pregnant women • Women who have just had a baby and are breast feeding • Children up to age 5 Call your county health department for information on how to get services through WIC, or talk to your DHS case worker. Customer Service 1-800-228-8554 24 hours a day, seven days a week Did you know? If you can’t keep your appointment, try to reschedule 24 hours in advance. 22 23 An overview of your Blue Cross Complete coverage and benefits Here is an overview of your benefits. Your benefits include, but are not limited to, these. Always refer to your Certificate of Coverage for the most detailed information. Blood lead testing for members under age 21 Out-of-network and out-of-state services – when authorized by Blue Cross Complete Breast cancer services – services to treat breast cancer as required by federal and state women’s health and cancer protection acts, including diagnostic, outpatient treatment and rehabilitative services Parenting and birthing classes Child and Adolescent Health Centers Practitioner services – such as those provided by physicians and specialists Chiropractic services Diagnostic laboratory, X-ray and other imaging services Doctor office visits Emergent and urgent care services Family planning services Federally Qualified Health Centers Health education – disease management programs Hearing exams for all members and hearing aids for members under age 21 Physical exams – routine or annual physical exams Podiatric (foot specialist) services when medically necessary Pregnancy care – including prenatal and postpartum care (before and after birth) Prescriptions and pharmacy services Prosthetics and orthotics Rehabilitative or restorative services – intermittent or short term, in a nursing facility for up to 45 days Rehabilitative or restorative services in a place of service other than a nursing facility Renal disease services – end stage Home health services and skilled nursing home services, when medically necessary (You can use these after you leave the hospital or instead of going to the hospital. Your doctor will help you arrange these services.) Sexually transmitted disease treatment Hospice services (if you request) Surgical services – not requiring an overnight hospital stay Hospital services requiring an overnight stay, including: – Cost of a semi-private room (sharing a room with one other person) – Intensive care nursing services – Doctor services – Surgical services – Anesthesia (medication to relax or put you to sleep before surgery) –X-rays – Laboratory services Medical equipment and supplies, durable Smoking and tobacco cessation treatment, including drugs and behavioral support (tobacco quit program) Specialist visits Therapy – physical, speech and language, occupational Transplant services Transportation – by ambulance and other emergency medical transport Transportation – to nonemergency covered medical services Vaccinations (Covered vaccinations do not require prior authorization if provided by local health departments.) Vision – routine services Mental health services – short term, up to 20 outpatient visits per year Weight-reduction services – if medically necessary Midwife services – when provided by a certified nurse midwife Well-baby and well-child care – Early Periodic Screening Diagnosis and Treatment Program for persons under age 21 Nurse practitioner services – when provided by a certified pediatric or family nurse Part 3: Prescription benefits Medicines covered by Blue Cross Complete Your drug benefit covers most generic medicines. Your benefit also covers some over-the-counter medicines when you have a prescription. These include pain relievers, laxatives, iron tablets, family planning drugs or supplies, and others. Our online drug search includes all the medicines we cover. The drug search lists our guidelines for these drugs, such as any quantity limits, if prior authorization is needed, if the medicine is a generic or brand drug, and more. If you have questions about your pharmacy benefit or if you don’t have Internet access, contact Pharmacy Customer Service. You can ask us for copies of this information. Brand name and generic drugs Your pharmacy will fill your prescriptions with the generic version when one is available. In the U.S., 70 percent of all prescriptions are filled with generic medicines, according to Generic Drugs, a 2010 U.S. Food and Drug Administration presentation. Generic drugs are nearly the same as brand-name drugs. They’re approved by the FDA. To be approved, they must have the same active ingredient, strength and form, and act the same in your body as the brand medicine. Generic medicines have to be made to the same strict standards as the brand medicine. They may have a different color and shape, but these are the only differences. You might notice that some generics of the same drug also look different from each other. This is because they may be made by different companies. But the ingredients are still the same. Generics also are much less expensive. If your doctor feels the brand-name version is medically necessary and can’t be substituted with the generic version, he or she must ask Blue Cross Complete to authorize the brand-name version. Filling a prescription We may cover up to a 34-day supply of most medicines. If you have questions, call Pharmacy Customer Service. At a retail pharmacy: You may fill most prescriptions at any pharmacy in our network. Our network includes both many independently owned pharmacies, as well as chain stores. To find a network pharmacy, you can call Pharmacy Customer Service or use the Find a Blue Cross Complete pharmacy search on our website. If you have questions about your Blue Cross Complete benefits, please call Customer Service. 24 Visit us online: MiBlueCrossComplete.com 25 Pharmacy Customer Service 1-888-288-3231 8:30 a.m. to 6 p.m. Monday through Friday For specialty drugs: Specialty drugs are medicines for complex or rare conditions, such as rheumatoid arthritis, multiple sclerosis and others. You may fill these prescriptions by mail. Preferred Drug List (Effective April 2015) If you need information about or help getting your specialty drugs, call Pharmacy Customer Service. They will help connect you with the specialty pharmacy. Antihistamines and Decongestants Prior authorization Your doctor will work with Blue Cross Complete to make sure you’re covered. Sometimes your doctor may need to ask us to cover a medicine before it’s prescribed. When your doctor does this, he or she asks Blue Cross Complete for prior authorization. Members must sometimes meet certain conditions, try other medicines, have certain medical conditions or be a certain age before we can cover some medicines. Sometimes, these requirements are set by the state of Michigan. Another reason your doctor may ask for prior authorization is if he or she would like to prescribe a medicine for a reason other than the drug’s original purpose. If a drug isn’t covered If a drug is not on the Preferred Drug List or Specialty Drug Guide, it may not be covered by Blue Cross Complete. This might include drugs that are specifically excluded from Michigan’s Medicaid program. If your doctor would like to prescribe a medicine that isn’t covered, he or she will ask Blue Cross Complete for prior authorization. You or your doctor can ask Blue Cross Complete to add a medicine to our list of covered drugs. To do this, write to us at: Blue Cross Complete Pharmacy Management Suite 210 100 Galleria Officentre Southfield, MI 48034 Blue Cross Complete will review the drug and determine if it will be added to the list of covered drugs. Learn more about medicines that may not be covered in Part 2: Your health care benefits and your Certificate of Coverage. If you have any questions about prescriptions or your prescription benefit, call Pharmacy Customer Service. Medicines covered by the state of Michigan Some medicines are covered by the state of Michigan instead of by Blue Cross Complete. This includes drugs used for HIV or AIDS, seizure disorders, sleep problems and some types of mental illness. See the state’s list at michigan.fhsc.com/Providers/DrugInfo.asp. This list is also available on our website. The state may charge a small copay for these medicines. Learn more about which medicines Blue Cross Complete covers in the Preferred Drug List and the Specialty Drug Guide in this section. Preferred Azelastine - Astelin Nasal Spray (g) Cetirizine - Zyrtec (OTC) (g) Cyproheptadine - Periactin (g) Diphenhydramine - Benadryl (g) Fexophenadine - Allegra (OTC) (g) Hydroxyzine - Atarax; Vistaril (g) Loratadine - Claritin (OTC) (g) P-ephed/Cetirizine - Zyrtec-D (OTC) (g) P-ephed/Fexophenadine -Allegra D (OTC) (g) P‑ephed/Loratadine - Claritin‑D (OTC) (g) Promethazine - Phenergan (g) Anti‑Infectives Preferred Amox Tri/Potassium Clavulanate Augmentin, ES, XR (g) Amoxicillin - Amoxil (g) Azithromycin - Zithromax (g) Cefaclor - Ceclor, CD (g) Cefdinir - Omnicef (g) Cefpodoxime - Vantin (g) Cefprozil - Cefzil (g) Cefuroxime - Ceftin (g) Cephalexin Monohydrate - Keflex (g) Ciprofloxacin - Cipro, XR (g) Clarithromycin - Biaxin, XL (g) Clindamycin - Cleocin (g) Dicloxacillin (g) Doxycycline Hyclate - Vibramycin (g) Doxycycline Monohydrate - Monodox (g) Erythromycin/Sulfisoxazole Pediazole (g) Erythromycin (g) Levaquin Minocycline - Minocin; Dynacin (g) Ofloxacin - Floxin (g) Penicillin V (g) Sulfamethoxazole/Trimethoprim Bactrim; Septra (g) Tetracycline - Sumycin (g) Prior Authorization Required Avelox; Cedax; Erythromycin Filmtab; Factive; Ketek; Maxaquin; Noroxin; PCE; Proquin XR; Suprax; ZMax Antivirals – Herpes Preferred Acyclovir - Zovirax (g) Famciclovir - Famvir (g) Valcyclovir - Valtrex (g) Cardiovascular – ACE Inhibitor Preferred Benazepril, HCTZ - Lotensin, HCT (g) Captopril - Capoten (g) Captopril/HCTZ - Capozide (g) Enalapril - Vasotec (g) Enalapril/HCTZ - Vaseretic (g) Fosinopril - Monopril, HCT (g) Lisinopril - Prinivil; Zestril (g) Lisinopril/HCTZ - Prinzide; Zestoretic (g) Moexipril - Univasc (g) Moexipril/HCTZ - Uniretic (g) Quinapril, HCTZ - Accupril, Accuretic (g) Ramipril (capsules) - Altace (g) Trandolapril - Mavik (g) Cardiovascular – Angiotensin Receptor Blocker Preferred Losartan - Cozaar (g) Losartan/HCTZ - Hyzaar (g) Step Therapy Required Atacand, HCT; Avalide; Avapro; Azor Benicar, HCT; Diovan, HCT; Exforge; Micardis, HCT; Teveten, HCT Cardiovascular – Beta Blocker Preferred Acebutolol - Sectral (g) Atenolol - Tenormin (g) Atenolol/Chlorthalidone - Tenoretic (g) Bisoprolol Fumarate - Zebeta (g) Bisoprolol Fumarate/HCTZ - Ziac (g) Carvedilol - Coreg (g) Labetalol - Normodyne (g) Metoprolol, HCTZ - Lopressor, HCT (g) Metoprolol - Toprol XL (g) Nadolol - Corgard (g) Pindolol - Visken (g) Propranolol - Inderal, LA (g) Propranolol/HCTZ - Inderide (g) Sotalol - Betapace, AF (g) Timolol Maleate - Blocadren (g) Cardiovascular – Miscellaneous Preferred Amiodarone - Cordarone (g) Cilostazol - Pletal (g) Clonidine - Catapres (g) Clopidogrel - Plavix (g) Digoxin (g) Dipyridamole - Persantine (g) Enoxaparin - Lovenox (g) Isosorbide Dinitrate - Isordil (g) Isosorbide Mononitrate - Ismo; Monoket; Imdur (g) Nitroglycerin (g) Pradaxa Ticlopidine - Ticlid (g) Warfarin Sodium - Coumadin (g) Xarelto Prior Authorization Required Tekturna, HCT Central Nervous System – Miscellaneous Preferred Namenda Razadyne, ER (g) Cholesterol Lowering Preferred Atorvastatin - Lipitor (g) Cholestyramine - Questran, Light (g) Colestipol - Colestid (g) Fenofibrate -Lofibra (g) Fluvastatin - Lescol (g) Gemfibrozil - Lopid (g) Lovastatin - Mevacor (g) Simvastatin - Zocor (g) Prior Authorization Required Advicor; Altoprev; Caduet; Crestor; Lescol, XL; Simcor Step Therapy Required Vytorin Diabetes Preferred Acarbose - Precose (g) Cardiovascular – Calcium Glimepiride - Amaryl (g) Channel Blocker Glipizide - Glucotrol, XL (g) Preferred Glipizide/Metformin - Metaglip (g) Amlodipine - Norvasc (g) Glyburide - Diabeta; Micronase (g) Amlodipine/Benazepril - Lotrel (g) Glyburide micronized - Glynase (g) Diltiazem - Cardizem CD, SR; Dilacor Glyburide/Metformin - Glucovance (g) XR; Tiazac (g) Humalog, Mix (vials, pen & cartridges) Felodipine - Plendil (g) Humulin, Mix (vials, pen & cartridges) Isradipine - Dynacirc (g) Lantus Nifedipine - Adalat CC; Procardia, XL (g) Metformin - Glucophage, XR (g) Nicardipine - Cardene (g) Novolin, Mix (vials, pen & cartridges) Verapamil - Calan, SR; Novolog, Mix (vials, pen & cartridges) Isoptin, SR; Verelan, PM (g) Supplies (strips, lancets, syringes) Prior Authorization Required Prior Authorization Required Azor; Dynacirc CR; Lotrel 10/40, 5/40; Actos; Avandia; Actoplus Met; Tarka; Exforge Avandamet; Avandaryl; Byetta; Duetact; Glumetza; Glyset; Janumet, XR; Januvia; Prandin; Starlix (g); Symlin, Victoza (g) - Blue Cross Complete provides coverage for the generic equivalent This list is current as of the date on the back of this handbook. For our most updated list, visit us online at MiBlueCrossComplete.com. 26 27 Gastrointestinal Agents Preferred Cimetidine - Tagamet (g) Famotidine - Pepcid (g) Metoclopramide - Reglan (g) Misoprostol - Cytotec (g) Nexium OTC Nizatidine - Axid (g) Omeprazole - Prilosec (g); Prilosec OTC (g) Pantoprazole - Protonix (g) Prevacid OTC Ranitidine - Zantac (g) Sucralfate - Carafate tablets (g) Prior Authorization Required Aciphex; Prevacid (g); Zegerid (g) Hormones – Contraceptive Preferred Desogestrel‑EE - Cyclessa, Desogen, Ortho‑Cept (g) Desogestrel EE - Mircette (g) Estrostep FE (g) Ethynodiol D‑EE - Demulen (g) Levonorgestrel‑EE - Alesse, Levlite (g) Levonorgestrel‑EE - Nordette; Levlen (g) Levonorgestrel‑EE - Seasonale (g); Seasonique (g); Loseasonique (g) Levonorgestrel‑EE - Triphasil; Tri-Levlen (g) Medroxyprogesterone Acet Depo‑Provera (150mg) (g) Noreth‑A‑EE/FE fumarate Loestrin, FE (g) Norethindrone Acetate - Aygestin (g) Norethindrone Ortho Micronor; Nor‑QD (g) Norethindrone‑EE Modicon (g) Norinyl, Ortho‑Novum (g) Ovcon‑35 (g) Tri‑Norinyl (g) Norethindrone-EE/FE - Femcon FE (g) Norgestimate‑EE - Ortho Cyclen (g) Norgestimate‑EE - Ortho Tri-Cyclen (g) Norgestrel‑EE - Lo/Ovral (g); Ovral (g) Nuvaring Ortho Evra Drospirenone-EE - Yasmin (g); Yaz (g) Prior Authorization Required Amethia/LO; Beyaz; Camrese/LO; Genress FE; Gianvi; Lo Loestrin; Loestrin 24 FE; Loryna; Minastrin 24 FE; Ortho Tri‑Cyclen Lo; Vestura; Zenchant FE, Zeosa Preferred Drug List (Effective April 2015) Hormones – Miscellaneous Preferred Alora Crinone Depo‑SubQ Provera 104 Estraderm Estradiol - Climara (g) Estradiol - Estrace (g) Estring Estrogen, Ester/Me‑Testosterone Syntest, DS & HS (g) Estropipate - Ogen; Ortho‑Est (g) Medroxyprogesterone Acet - Provera (g) Me‑testosterone/Estrogen, Ester Estratest, HS (g) Premarin, Low Dose Prempro, Low Dose Prometrium Migraine Preferred Imitrex injection, nasal spray, tablets (g) Maxalt, MLT Prior Authorization Required Amerge (g); Axert; Frova; Relpax; Zomig, ZMT, nasal spray Miscellaneous Prior Authorization Required Natroba; Nudexta; Uloric Muscle Relaxants Preferred Baclofen - Lioresal (g) Chlorzoxazone - Parafon Forte (g) Cyclobenzaprine - Flexeril (g) Dantrolene - Dantrium (g) Methocarbamol - Robaxin (g) Orphenadrine Citrate - Norflex (g) Orphenadrine/Aspirin/Caffeine Norgesic Forte (g) Tizanidine - Zanaflex (g) Prior Authorization Required Skelaxin (g) Ophthalmics – Anti‑Infectives Preferred Ciprofloxacin - Ciloxan (g) Ofloxacin - Ocuflox (g) Polymyxin B Sulfate (g) Polymyxin B Sulfate/TMP - Polytrim (g) Tobradex (g) Tobramycin Sulfate - Tobrex (g) Prior Authorization Required Quixin (g); Vigamox; Zymar Ophthalmics – Glaucoma Preferred Alphagan P (g) Azopt Brimonidine - Alphagan (g) Cosopt (g) Dipivefrin Iopidine Isopto Carbachol Levobunolol - Betagan (g) Lumigan Miochol-E Miostat Phospholine Iodide Pilocarpine - Isopto Carpine (g) Timolol Maleate - Timoptic, XE (g) Trusopt (g) Xalatan (g) Prior Authorization Required Betimol; Betoptic S; Humorsol; Travatan Osteoporosis Preferred Alendronate - Fosamax, Weekly (g) Etidronate - Didronel (g) Evista Ibandronate - Boniva (g) Miacalcin (g) Prior Authorization Required Actonel, Weekly, with Calcium; Fortical Over‑the‑Counter Meds (prescription required for coverage) Preferred Acetaminophen - Tylenol (g) Aluminum hydroxide (g) Aquasol E (g) Artificial Tears (g) Aspirin & Enteric-Coated Aspirin Bacitracin (g) Bacitracin/Polymyxin (g) Benzoyl Peroxide (g) Betadine (g) Bisacodyl - Dulcolax (g) Buffered Aspirin (Bufferin) (g) Calcium Carbonate (g) Calcium Citrate (g) Chlorpheniramine - Chlor‑Trimeton (g) Cimetidine - Tagamet HB (g) Clotrimazole - Lotrimin - Mycelex (g) Condoms (g) Corticaine (g) Diphenhydramine - Benadryl (g) Docusate Calcium - Surfak (g) Docusate Sodium - Colace (g) Famotidine - Pepcid AC (g) Ferrous Gluconate (g) Ferrous Sulfate (g) Fleet’s Enema (g) Hydrocortisone (g) Loperamide - Imodium (g) Ibuprofen - Motrin (g) Ipecac (g) Kaolin Pectin (g) Kaopectate (g) Ketotifen fumerate - Zaditor (g); Claritin Eye (g) Lice B Gone (g) Meclizine - Dramamine II (g) Miconazole 3 & 7 - Monistat (g) Mineral Oil Enema (g) Naphazoline HCl - Clear Eyes (g) Naphazoline/Phenir Mal - Visine A (g) Naproxen Sodium - Aleve (g) Neomy Sulf/Bacitra/Polymxin B Neosporin (g) Niacin (g) Nonoxynol 9 - Conceptrol, Delfen, Emko, Encare, Gyn (g) Permethrin lotion (g) Povidone‑Iodine (g) Pyrethrin (RID) (g) Sodium Fluoride (g) Terbinafine - Lamisil, AT (g) Tioconazole - Vagistat‑1 (g) Zinc Oxide (g) Mefanamic Acid - Ponstel (g) Meloxicam - Mobic (g) Methadone (g) Morphine Sulfate IR (g) Morphine Sulfate SR MS Contin; Oramorph SR (g) Nabumetone - Relafen (g) Naproxen Sulfate - Naprosyn (g) Oxaprozin - Daypro (g) Oxycodone/Acetaminophen Percocet (g) Oxycodone/Aspirin - Percodan (g) Piroxicam - Feldene (g) Tramadol - Ultram (g) Tramadol/Acetaminophen - Ultracet (g) Prior Authorization Required Arthrotec; Avinza; Celebrex; Fentanyl Citrate - Actiq (g); Fentora; Kadian; Naprelan; Oxycontin; Prevacid NapraPAC Respiratory – Inhaled Beta Agonist Preferred Ventolin HFA Prior Authorization Required Maxair Autohaler; Qnasl; Xopenex, HFA Respiratory – Inhaled Steroid Preferred Flovent HFA Pulmicort QVAR Prior Authorization Required Asmanex; Alvesco Respiratory – Intranasal Steroid Preferred Flunisolide nasal spray - Nasalide (g), Nasarel (g) Fluticasone Propionate - Flonase (g) Nasacort OTC Prior Authorization Required Beconase AQ; Omnaris; QNasl; Rhinocort Aqua; Veramyst Respiratory – Miscellaneous Preferred Accolate (g) Acetylcysteine - Mucomyst (g) Albuterol Sulfate - Vospire ER (g) Atrovent Inhaler Combivent Cromolyn Sodium - Intal solution (g) Dulera Intal Inhaler Ipratropium Bromide - Atrovent solution, nasal (g) Singulair Spiriva Symbicort Prior Authorization Required Daliresp; Zyflo, CR Smoking Cessation Preferred Nicotine Replacement nicotine patches, inhalers, nasal sprays, Preferred gum, lozenges Codeine (g) Codeine/Acetaminophen - Tylenol #3 (g) Nicotrol (g) Zyban (g) Diclofenac Sodium - Voltaren (g) Etodolac - Lodine, XL (g) Prior Authorization Required Fentanyl - Duragesic (g) Chantix Hydrocodone /Acetaminophen - Vicodin, ES (g) Ibuprofen - Motrin (g) Ibuprofen/Hydrocodone Vicoprofen (g) Indomethacin - Indocin (g) Ketoprofen - Orudis; Oruvail (g) Pain and Arthritis (g) - Blue Cross Complete provides coverage for the generic equivalent 28 Specialty Drug Guide (Effective April 2015) Topical Steroids Preferred Alclometasone Dipropionate Aclovate (g) Amcinonide - Cyclocort (g) Betamethasone Dipropionate Diprolene, AF; Diprosone (g) Betamethasone Valerate - Valisone (g) Clobetasol - Clobevate (g) Clobetasol Propionate - Temovate, Olux (g) Desoximetasone - Topicort (g) Diflorasone Diacetate Florone; Psorcon, E (g) Fluocinolone Acetonide - Synalar (g) Fluocinonide - Lidex, Lindane (g) Fluticasone Propionate - Cutivate (g) Halobetasol Propionate - Ultravate (g) Hydrocortisone Butyrate - Locoid (g) Hydrocortisone (g) Mometasone Furoate - Elocon (g) Prednicarbate - Dermatop (g) Triamcinolone Acetonide Aristocort, Kenolog (g) Prior Authorization Required Cloderm; Cordran; Halog; Locoid Lipocream; Luxiq; Olux E; Pandel Urologic – Benign Prostatic Hypertrophy Preferred Doxazosin Mesylate - Cardura (g) Finasteride - Proscar (g) Tamulosin - Flomax (g) Terazosin - Hytrin (g) Prior Authorization Required Avodart; Cardura XL; Uroxatral Urologic – Urinary Incontinence Preferred Oxybutynin Chloride - Ditropan, XL (g) Prior Authorization Required Detrol, LA; Enablex; Oxytrol; Sanctura, XR; Vesicare Psychotropic and HIV/AIDS Drugs Coverage for these agents is based on the Michigan Department of Health and Human Services criteria. Please refer to the Magellan website for additional information: michigan.fhsc.com/providers/ druginfo.asp Some drugs require authorization before Blue Cross Complete covers them. Both your doctor and Blue Cross Complete must agree that the drug is medically necessary based on your condition. Specialty drugs are medicines for complex or rare conditions, such as arthritis, multiple sclerosis and others. You may fill these prescriptions by mail. If you need information about or help getting your specialty drugs, call Pharmacy Customer Service at 1‑888‑288‑3231 from 8:30 p.m. to 6:30 p.m. Monday through Friday. They will help connect you with the specialty pharmacy. Anticoagulants Enoxaparin (Lovenox) (g) Fragmin Heparin (g) Innohep Antineoplastics and cancer Anastrozole (Arimidex) (g) Bicalutamide (Casodex) (g) Eligard Hycamtin Leuprolide (Lupron) (g) Lupron Depot Revlimid Targretin Temodar Thalomid Xeloda Zoladex* Zolinza Prior Authorization Required Afinitor Antivirus and hepatitis Baraclude Hepsera Infergen Intron A Pegasys PEG-Intron Ribavirin capsules (Rebetol, Ribasphere) (g) Ribavirin tablets (Copegus, Ribapak) (g) Tyzeka Chemotherapy and cancer support medicines Aranesp* Leukine Neulasta* Neumega Neupogen Prior Authorization Required Epogen* Procrit Chronic kidney failure and dialysis Cystic fibrosis Pulmozyme Tobi Human growth hormone Genotropin Humatrope Increlex (g) Norditropin Nutropin Omnitrope Saizen Serostim Somavert (g) Tev-Tropin Zorbtive Organ transplant and antirejection Zortress Osteoporosis Prior Authorization Required Forteo Psoriasis Enbrel Humira Rheumatoid arthritis Enbrel Humira Orencia (g) Miscellaneous Prior Authorization Required Actimmune Exjade (g) Letairis Octreotide (Sandostatin) (g) Syprine Tracleer Tyvaso Ventavis (g) Gilenya Prior Authorization Required Multiple sclerosis Ampyra (g) Avonex Copaxone Extavia Rebif Aranesp* Epogen* (g) – Blue Cross Complete provides coverage for the generic equivalent *These drugs are not available at a retail pharmacy and must be administered at a physician’s office. This list is current as of the date on the back of this handbook. For our most updated list, visit us online at MiBlueCrossComplete.com. 29 Xenazine Part 4: Guidelines to good health Take the guidelines to your next doctor’s visit. Review them with your doctor to see if you need any tests or shots. If you have health risks or a chronic condition, talk to your doctor. He or she will work with you to make sure you get the care that’s best for you. Good health for adults With your doctor and Blue Cross Complete, you have a health care team. Your team will support you, coach you and help you make the health care decisions that are best for you. There are four key healthy behaviors all men and women can practice. These behaviors help people get and stay healthy. They also reduce the risk of illness and chronic conditions. They are: This team centers around you. You are the most important member of your health care team. You get the best care when you’re directly involved in making health care choices for yourself. • Eat healthy, balanced meals in moderation. Eat five or more servings of fruits and vegetables a day and less saturated fat. This may reduce the risk of cancer and other chronic diseases. The healthy choices you make impact your health. When you make healthy choices, you can prevent or manage chronic illnesses such as heart disease and diabetes. • Exercise. Thirty minutes of moderate physical activity most days of the week will keep you fit and help prevent disease. Exercise can be cutting the grass, dancing, swimming or just walking. The important thing is to get moving. Health information to support your health goals • Have a well visit once a year. See your doctor each year for a checkup. Your doctor will make sure you get the tests, screenings and vaccines that are right for you. Examples are mammograms for women, prostate exams for men or even flu shots. If problems are found early, they’re easier to treat. One way Blue Cross Complete provides healthy living support is by giving you access to health education resources. These can help you stay healthy, get better and improve your quality of life. We want you to have the clear information you need to make smart health care choices. • Don’t smoke. If you’re middle-aged, smoking triples your risk of heart disease. If you use tobacco, join our free tobacco quit program. Learn more in Part 2: Your health care benefits. • Member health magazine. We mail our Good Health magazine to members three times a year. It tells you more about your benefits, gives you tips to stay healthy and other news. In addition to these four healthy behaviors, all adults should know four basic health numbers. These numbers help you and your doctor understand your risk for serious illnesses. The numbers to know are: • Free booklets and health education. To learn about any health topic, such as eating right, heart health and more, call our Outreach Team. Team members can help you get the information you need. • Health care reminders. We sometimes mail you cards or call you to remind you about important health tests, screening and shots. We may send you other health reminders, too. • Online help and information. You can find health resources on our website. Outreach Team 1-888-288-1722 8 a.m. to 5:30 p.m. Monday through Friday • Access to discount programs. Your Blue Cross ID card gives you discounts through our Healthy Blue XtrasSM savings program. This program gives you special member discounts and offers for a variety of healthy products and services from Michigan companies. Learn more about these discounts at bcbsm.com/xtras. • Blood sugar (glucose) level. A blood sugar test measures the average amount of glucose, or sugar, in your blood. It’s used to determine if you have diabetes or if your diabetes is well controlled. Our Guidelines to Good Health recommends the health counseling, screenings and vaccines you need for your age and gender. 30 • Blood pressure. Blood pressure measures how your blood moves against your arteries during and between heart beats. High blood pressure is dangerous and often has no symptoms. It raises your risk for heart disease, stroke, kidney disease and blindness. • Cholesterol level. Keeping the right levels of the cholesterol and other fats in your cells can reduce your risk for heart disease, stroke and other conditions. The results of this blood test can help you and your doctor understand your risks. Guidelines to good health Use the guidelines to make sure that you and your family are up-to-date on the health services you need to be healthy. We cover all the services in the guidelines. • Body mass index. Body mass index, or BMI, compares your height to your weight. Your BMI indicates your level of body fat, and may put you at risk for weight-related health conditions — whether your BMI is low or high. Learn more about the guidelines for adults and children in this section. Another important part of your overall health is your stress level. Stress can undermine your health. If stress is causing you to eat poorly, drink too much, smoke or neglect your health, you need to take time to be good to yourself. 31 Tobacco quit program 1-800-784-8669 8 a.m. to 1 a.m. seven days a week Before you get pregnant Pay attention to your health. Make healthy living a part of your life. If you need help managing stress, you can call a network mental health professional without a referral. For help finding one near you, call Customer Service. For help with other health questions, call our Outreach Team or our 24-hour Nurse Help Line. Health checks for adults Use this quick check list to track your overall health. Talk to your doctor about what’s best for you. Your doctor is your partner in care. Tell your doctor if you are planning to become pregnant. This discussion is very important for you and your future baby. We also cover family planning. Customer Service 1-800-228-8554 24 hours a day, seven days a week You and your doctor can talk about health issues that might increase your risk of problems during pregnancy. These issues may include diabetes, risks in your surroundings, smoking, substance use and other health concerns. Your doctor can help you be healthy before, during and after your pregnancy. Once you are pregnant When you’re pregnant, you’ll see your doctor very often. Talk to your doctor about: Annual well visit – date: _________ • Exercising during pregnancy Height and weight check • Taking multivitamins with iron and folic acid Height _______ft. _______in. • Breast feeding Weight _______lbs. • Sexually transmitted diseases Body mass index (BMI) _________ Also, take these safety measures: Blood pressure: ________ / ________mm/Hg • Avoid smoking and don’t be around other people who are smoking Total cholesterol • Don’t use alcohol or drugs without checking with your doctor Cholesterol ________mg/dL • Eat a balanced and healthy diet LDL ________mg/dL • Wear a seatbelt (lap and shoulder) in the car HDL ________mg/dL 24-hour Nurse Help Line 1-888-288-1724 24 hours a day, seven days a week Triglycerides ________mg/dL A1C: _________% Flu shot – date: _________ Pneumonia shot – date: _________ You may also want to: • Ask our Outreach Team about our pregnancy programs and other resources • Join a childbirth class or parent support program While you are expecting Staying healthy is important to both moms and babies. See your doctor as early as possible and keep all your appointments. Follow your doctor’s directions and ask questions. These visits are covered by Blue Cross Complete. Good health for pregnant women All pregnancies are different. Even if you’ve had a baby before, it’s important to get regular prenatal and postpartum care. Prenatal and postpartum visits keep you and your baby healthy. Blue Cross Complete has a pregnancy program for soon-to-be parents. Bright Start® is a special program for our pregnant members. We want to make sure you have all you need for a healthy pregnancy and baby. Our Outreach Team can tell you more about the Bright Start program. If you’re pregnant, it’s important to get medical care right away. Blue Cross Complete covers care for women who are pregnant, thinking about becoming pregnant or who have just had a baby. At a minimum, low-risk women should have about eight prenatal visits. Women with high-risk pregnancies will need more care. Your doctor and Blue Cross Complete will work with you to make sure you get the care you and your baby need. All women need a postpartum visit after a pregnancy. You can also get help for you and your baby from Michigan’s Maternal Infant Health Program. Learn more in Part 2: Your health care benefits. Did you know? Your primary care doctor coordinates all your care. Call him or her first for all your health care needs. 32 After your baby is born It’s just as important to take care of yourself after you have a baby. You should have a postpartum checkup 21 to 56 days after your pregnancy. This exam is covered by Blue Cross Complete. 33 Outreach Team 1-888-288-1722 8 a.m. to 5:30 p.m. Monday through Friday The standard childhood vaccines protect against: The doctor may check your blood pressure and your weight. He or she may talk to you about birth control, breast feeding and provide other postpartum counseling. You can also talk to your doctor about any new feelings you may have. • Diphtheria, tetanus and pertussis (whooping cough) •Polio • Measles, mumps and rubella •Chickenpox Health checks for new moms •Rotavirus Use this quick check list to track your pregnancy care. Talk to your doctor about what’s best for you and your baby. • Hepatitis B • Hepatitis A Planning a pregnancy? • Haemophilus influenzae type b disease or Hib disease Practice good habits before you become pregnant: • Pneumococcal disease Both Hib and pneumococcal disease can cause pneumonia, meningitis and other serious illnesses in young children. q Eat a well-balanced diet q Strive for a healthy weight Teens may also need boosters and some vaccines, such as a meningitis booster or the human papillomavirus vaccine. Please refer to the Guidelines to Good Health and talk to your child’s doctor. q Kick bad habits, such as smoking q Don’t use drugs or alcohol Prenatal visits q 6 – 8 weeks date:________________ q 14 – 16 weeks date:________________ q 24 – 28 weeks date:________________ Health checks for children q 32 weeks date:________________ q 36 weeks date:________________ Use this quick check list to track your child’s well visits. Talk to your doctor about what’s best for your child. q 38 weeks date:________________ q 40 weeks (once a week until baby is born) Schedule well visits for the following ages: q 1 month date:________________ q 2 months date:________________ Postpartum visit q 4 months date:________________ q 21 – 56 days after delivery q 6 months date:________________ q 9 months date:________________ q 12 months date:________________ q 15 months date:________________ date:________________ date:_______________ Your child may also have these well visits: Good health for children and teens Each child develops and grows on his or her own schedule. Regular well-child visits and scheduled vaccines can keep your child on track. Talk to your doctor about what shots and screenings are right for you or your child. During your children’s well visits, you doctor will make sure your child is current on the tests, screenings and vaccines that are best for him or her. Your doctor may also check your child’s growth and development. These developmental screenings help make sure your child is growing as he or she should for his or her age and gender. 34 Did you know? q 18 months date:________________ q 24 months date:________________ q 30 months date:________________ q Age 3 to 6: At least one well visit per year q Age 6 to 21: One well visit per year In the U.S., 70 percent of all prescriptions are filled with generic medicine. Did you know? Generic drugs have the same active ingredients as the brand name versions. 35 Guidelines to Good Health for children and teens Guidelines to Good Health for adults These guidelines can help you prevent illness or find conditions early. Your doctor may suggest a different schedule based on your needs. Regular well-child visits and scheduled immunizations for childhood disease can help keep your child on track. Talk to your child’s doctor about what schedule is right for him or her. Heart healthy tip: Ask your doctor about aspirin use. What Age How often Screening for men and women What Age Screening for women How often Health exam (including, height & weight assessment, body mass index evaluation and obesity counseling, alcohol/drug abuse, tobacco use and injury) 18–49 Cholesterol and lipid 20–45+ screening Ask your doctor Osteoporosis screening 50–64 Ask your doctor 65+ Test Cervical cancer Pap smear 18–65 Every 3 years after becoming sexually active Blood pressure screening 18+ 50–65+ Every 1–5 years Every 1–3 years Mammography Every two years if BP is at or less than 120/80 Every year if BP is higher than 120–139/80–89 Diabetes screening Colon cancer screening 18–65+ 18–49 50+ 76+ Age How often What Well-child exam Parental education: nutrition; development; injury and poison prevention; SIDS; coping skills; tobacco use screening; secondhand smoke; height, weight and body mass index 0–24 months 11 visits Immunizations 2–18 years 8 visits Neonatal and hearing screening Birth (after 24 hours) Once at birth 66+ Ask your doctor 18–39 Ask your doctor 40–74 Every 2 years 75+ Ask your doctor Cholesterol screening 2+ years Ask your doctor Every year if sexually active Blood lead testing 12 and 24 months Twice Vision screening 2–6 years Before starting school 7–12 years Every 2 years 13–21 years Every 3 years 12+ years or earlier if sexually active Every year Chlamydia screening Under 24 More frequently if needed 25+ Every year if high risk Every 3 years with BP at or higher than 135/80 Pregnant women Screen Childbearing Week 6–8 = first visit Week 14–16 = 1 visit Week 24–28 = 1 visit Week 32 = 1 visit Week 36 = 1 visit Week 38–41 = weekly visit Preconception and pregnancy: prevention and counseling Once 21–56 days after delivery Cervical cancer Pap smear Age 13–21 Every 3 years if sexually active Chlamydia and sexually transmitted infection screening, including HIV screening Age 13–21 Every year if sexually active Pregnancy prenatal visits If high risk — ask your doctor Fecal occult blood test every year OR Sigmoidoscopy every 5 years with fecal occult blood test every 3 years OR Colonoscopy every 10 years Pregnancy postpartum HPV (human papillomavirus) Females 9–26 3 doses Males 9–21 3 doses Ask your doctor Tdap After age 12 1 dose Tetanus 18–65+ Once every 10 years Flu 18–65+ Every year MMR 18–49 1–2 doses if needed Glaucoma screening 18–64 If high risk — ask your doctor HIV screening 18–64 One test for everyone 18–65+ Every year if high risk Cholesterol and lipid 35+ screening Every 5 years; more often with risk factors Prostate cancer Ask your doctor Childbearing Immunizations for men and women Screening for men 50–74 What Varicella (chickenpox) 18–65+ 2 doses if needed Hepatitis A, Hepatitis B, Meningococcal 18–65+ If high risk Pneumococcal (meningitis and pneumonia) 18–64 If high risk 65+ 1 dose for everyone 65 and older; revaccinate at age 65 if first vaccine was received before age 65 and 5 years or more have passed since that first dose was given Zoster (shingles) 36 60+ Age How often HPV (human papillomavirus) Females 9–26 3 doses Males 9–21 3 doses DTaP 2, 4, 6 months 1st, 2nd, 3rd dose 15–18 months 4th dose 4–6 years 5th dose Rotavirus 2–6 months Complete series Tdap 11–12 years 1 dose Hepatitis A 12 months 1st dose 18–24 months 2nd dose Birth 1st dose 1–2 months 2nd dose 6–18 months 3rd dose 2 months 1st dose 4 months 2nd dose 6–18 months 3rd dose 4–6 years 4th dose HiB-haemophilus 2–15 months Complete series Flu 6 months– 8 years 2 doses first year, then every year Age 9–21 years Every year 12–15 months 1st dose 4–6 years 2nd dose 12–15 months 1st dose 4–6 years 2nd dose 11–12 years 1st dose 16–18 years Booster 2 months 1st dose 4 months 2nd dose 6 months 3rd dose 12–15 months 4th dose Hepatitis B IPV-polio For girls MMR Varicella (chickenpox) Meningococcal Pneumococcal Conjugate-pneumonia These guidelines are based on recommendations from national medical organizations and the most current medical and scientific research. 1 dose 37 Part 5: Healthy Michigan Plan Your card image may look slightly different. Enrollee Name VALUED CUSTOMER About the Healthy Michigan Plan Enrollee ID XYU888888888 Issuer (80840) The Healthy Michigan Plan is a health care program from the Michigan Department of Health and Human Services. You have chosen to get your Healthy Michigan Plan care and services from Blue Cross Complete. 9101000021 Michigan Beneficiary ID M12345678 This handbook explains how to get the benefits, care and services covered by the Healthy Michigan Plan. It also describes the additional rights and responsibilities you have under the Healthy Michigan Plan. These benefits are in addition to the ones you have as a Blue Cross Complete member. You can read about all your benefits and responsibilities in this handbook. Your Blue Cross Complete member ID card Customer Service 1-800-228-8554 24 hours a day, seven days a week Enrollee Name: Your name 2 Enrollee ID: Identifies your record in our files 3 Beneficiary ID: Number assigned to you by the state HMO Blue Cross Complete of Michigan LLC Customer Service An in depen den t licen see of t h e Blu e Cross an d Blu e Sh ield Associat ion • A magnetic strip Hospital and medical claims – Providers in Michigan, file claims with: to help providers Blue Cross Complete RxBIN 600428 P.O. Box 7355 06210000 London, KY 40742 process RxPCN claims in Providers outside Michigan, file claims with your local BCBS plan. Out-of-state services Group Number the future. It has are covered only in an emergency or when authorized by Blue Cross Complete. 00277723 information from Pharmacy claims: P.O. Box 516 Essington, PA 19029 the front of the card PerformRx and your birth date. It doesn’t have any benefit or health information. Blue Cross Complete: 800-228-8554 TTY/TDD: PerformRx: 888-987-5832 888-288-3231 Dental - Healthy Michigan Plan: 844-320-8465 Mental health/substance abuse treatment: 888-288-1722 Providers Only: Medical authorizations and inquiries: 888-312-5713 Pharmacy authorizations and inquiries: 888-989-0057 Misuse may result in prosecution. If you suspect fraud: 855-232-7640 Use of this card is subject to terms of applicable contracts and certificates. • Toll-free Customer Service numbers and other important numbers. What the Healthy Michigan Plan covers As a Blue Cross Complete member, you have all the benefits listed in the Blue Cross Complete Member Handbook. Learn more about these benefits in Part 2: Your health care benefits. Members who also have the Healthy Michigan Plan have additional benefits and responsibilities. This section explains these. Dental services We’ll send you your Blue Cross Complete ID card. You may also use this card to get dental care. 1 Plan Ph ar macy Ben efits Ad min istr ato r You will need to show your Blue Cross Complete ID card each time you visit your doctor or a hospital. You will also need it to fill prescriptions. It’s different than your mihealth card. Always keep both cards with you. If you lose your Blue Cross Complete card, call Customer Service right away. Your ID card On the back of your ID card, you’ll find: MiBlueCros s Complet e.com The Healthy Michigan Plan covers some dental care, including dental exams, cleanings and extractions. MiBlueCros s Complet e.com Enrollee Name 1 VALUED CUSTOMER Plan HMO Enrollee ID 2 XYU888888888 5 Issuer (80840) 9101000021 Michigan Beneficiary ID 3 M12345678 4 Group Number: Shows the group in which you’re enrolled 5 RxBIN & RxPCN: Drug plan numbers 6 Rx: Shows you have drug coverage RxBIN RxPCN 600428 06210000 Group Number 4 00277723 6 Blue Cross Complete of Michigan LLC Customer Service You will get dental care from Blue Cross Complete’s network dental providers. To find a dentist or to see if your dentist is in our network, call Dental Customer Service. Blue Cross Complete: 800-228-8554 An in depen den t licen see of t h e Blu e Cross an d Blu e Sh ield Associat ion TTY/TDD: Hospital and medical claims – Providers in Michigan, file claims with: Blue Cross Complete P.O. Box 7355 London, KY 40742 Providers outside Michigan, file claims with your local BCBS plan. Out-of-state services are covered only in an emergency or when authorized by Blue Cross Complete. Pharmacy claims: P.O. Box 516 Essington, PA 19029 Dental - Healthy Michigan Plan: 844-320-8465 Mental health/substance abuse treatment: 888-288-1722 Providers Only: Medical authorizations and inquiries: 888-312-5713 Pharmacy authorizations and inquiries: 888-989-0057 Misuse may result in prosecution. If you suspect fraud: 855-232-7640 Use of this card is subject to terms of applicable contracts and certificates. PerformRx Ph ar macy Ben efits Ad min istr ato r PerformRx: Habilitative services 888-987-5832 888-288-3231 The Healthy Michigan Plan covers habilitative services ordered by your doctor. Habilitative services help a person keep, learn or improve skills and functioning for everyday life. Habilitative services may include speech, physical or occupational therapy. They may also include equipment to help a person walk or move around and related supplies. Hearing care In addition to the hearing care covered by Blue Cross Complete, the Healthy Michigan Plan also covers hearing aids. This includes your fitting and the batteries. Preventive care Blue Cross Complete covers many preventive care services. The Healthy Michigan Plan covers additional preventive care. These services are recommended by national organizations such as the United States Preventive Services Task Force. 38 Dental Customer Service 1-844-320-8465 9 a.m. to 5 p.m. Monday through Thursday 9 a.m. to 3:30 p.m. Friday 39 Learn more about covered therapies, services and equipment in Part 2: Your health care benefits. How the Healthy Michigan Plan works Get rewarded for making healthy choices Good health care involves a health care team to coordinate your care and help you make health care choices. Your doctors are part of this team and so is Blue Cross Complete. You may qualify for rewards by completing a Health Risk Assessment form with your doctor and committing to make healthy choices. These choices may include quitting smoking, losing weight, lowering your blood pressure or cholesterol, or getting a flu shot. You are the most important member of this team. When you’re directly involved in your health care, you get better care. We support your healthy choices, and the Healthy Michigan Plan has some tools to help. Rewards may be a $50 gift card or a 50-percent reduction in your cost-sharing contribution, depending on your income. To qualify for your reward: Making healthy choices Blue Cross Complete and the Healthy Michigan Plan want to help you make healthy choices. Healthy choices can help prevent serious illnesses such as heart disease and diabetes. 1.Within 60 days (about two months) of joining Blue Cross Complete, make an appointment with your primary care doctor. You should see your doctor within 150 days (about five months) of joining our plan. Your healthy choices may also save you money. When you make healthy changes, your cost-sharing amounts may be reduced. 2.Fill out Sections 1, 2 and 3 of the Health Risk Assessment form, including your name and address. Seeing your primary care doctor 3.Take your form to your doctor’s appointment. Your doctor will complete Section 4 and return the entire form to Blue Cross Complete. Your primary care doctor is the doctor you see the most. He or she is part of your health care team and will help you get the care you need. Fill out this form when you join Blue Cross Complete. It should be filled out once a year. If you need a form, please call Customer Service. You will need to make an appointment to see your primary care doctor within 60 days, about two months, after you enroll in Blue Cross Complete. See the doctor for your appointment within five months, or about 150 days. Letting your wishes be known — advance directives Blue Cross Complete respects your right to accept or refuse any medical treatment. An advance directive is a written statement of your wishes for medical care. It explains what treatments you want or don’t want when you can’t speak for yourself. During this appointment, you and your doctor will complete a health risk assessment. Completing a health risk assessment A health risk assessment is a form you and your doctor fill out. It helps your health care team see how healthy you are and find ways to help you be healthier. The assessment gives you and your doctor a place to start making the health care choices that are right for you. During the health assessment, you and your doctor will talk about: As part of the Healthy Michigan Plan, we’d like you to fill out an advance directive. We will provide you with a form to do this. Please complete the form and follow the return instructions. Learn more about cost sharing in Paying your cost sharing in this section. • Your body mass index Learn more about advance directives in Part 7: Update your personal records. If you have questions, you can call Customer Service. Paying your cost sharing Cost sharing refers to two different kinds of payments you may make for your Healthy Michigan Plan benefits. One kind of payment is your contribution. The other is your copay. Your cost-sharing amount may change if you adopt healthy behaviors. • Your blood pressure • Your total cholesterol • Diabetes testing, such as A1C Your contribution • If you use tobacco Your contribution is an amount you may pay to share the cost of your Healthy Michigan Plan benefits. This helps offset the total cost of your care. • Flu vaccines Your copays Did you know? A copay is a small amount of money you pay each time you get health care. The Healthy Michigan Plan has copays for most services. Members who have the Healthy Michigan Plan will pay most copays to Blue Cross Complete, not to the providers. You can see a network OB-GYN without a referral. 40 Customer Service 1-800-228-8554 24 hours a day, seven days a week 41 Supplemental Certificate of Coverage for Healthy Michigan Plan members The services that require a copay and the amount are: Type of service Copay (only members age 21 and older pay copays) Physician office visit $2 per visit Pharmacy $3 for each name brand drug $1 for each generic brand drug Vision care $2 per visit Dental care $3 per visit Hearing aids $3 per aid Chiropractic $1 per visit Podiatry $2 per visit Hospital emergency room visit $3 per visit Outpatient hospital visit $1 per visit Inpatient hospital stay $50 for the first day of the hospital stay You have all the benefits of Blue Cross Complete of Michigan, as listed in the Blue Cross Complete Member Handbook and Certificate of Coverage. The Healthy Michigan Plan is a program operated under an 1115 Waiver approved by the Center for Medicare and Medicaid Services to provide Medicaid coverage to all adults in Michigan with incomes up to and including 133 percent of the Federal Poverty Level. About this certificate This certificate has been applied for as Healthy Michigan overage. This certificate sets the terms and conditions of Coverage and describes the health care services that are covered for Members under the Healthy Michigan Plan. Cost sharing information Cost sharing refers to the two types of payments you may make for your health services. It includes contributions and copays. Your cost sharing amount may change if you adopt healthy behaviors. There are no copays for: Cost sharing cannot exceed 5% of your income. It is mandated by the Michigan Department of Health and Human Services. • Family planning products or services • Any pregnancy-related products or services or if you are pregnant Contributions • Services related to preventive care • Services related to chronic conditions, such as heart disease and diabetes The Healthy Michigan Plan requires people with annual incomes between 100% and 133% percent of the Federal Poverty Level to contribute 2% of annual income as a contribution. • Services received at a Federally Qualified Health Center Copays Some covered services have a copay. A copay is a small amount of money you pay each time you get health care. Copays are paid to Blue Cross Complete. Only members age 21 and older pay copays. Reducing your costs You may be able to reduce your cost sharing by engaging in healthy behaviors. The services that require a copay and the amount are: Your MI Health Account You will pay your cost sharing through a special health care account called the MI Health Account. Every three months, you’ll get a MI Health Account statement. The statement will show: • The health care services you had • How much Blue Cross Complete paid • How much you have paid • Your copays, if any • Your contribution amount, if any • If you owe any amount Did you know? • How to pay, if you owe You will get more information about the MI Health Account and how to use it. 42 Your child can see a network pediatrician without a referral. Type of service Copay (only members age 21 and older pay copays) Physician office visit $2 per visit Pharmacy $3 for each name brand drug $1 for each generic brand drug Vision care $2 per visit Dental care $3 per visit Hearing aids $3 per aid Chiropractic $1 per visit Podiatry $2 per visit Hospital emergency room visit $3 per visit Outpatient hospital visit $1 per visit Inpatient hospital stay $50 for the first day of the hospital stay Did you know? 43 Talk to a nurse anytime. We have a free 24-hour Nurse Help Line. There are no copays for: Part 6: MIChild • Family planning products or services • Any pregnancy-related products or services or if you are pregnant You’ve chosen to get your MIChild care and services from Blue Cross Complete. You have all the benefits, care and services covered by the MIChild program and Blue Cross Complete. This handbook explains this information. • Services related to preventive care • Services related to chronic conditions, such as heart disease and diabetes • Services received at a Federally Qualified Health Center Families with children who are enrolled through MIChild pay $10 a month for all eligible children in the family. If you have questions about your MIChild premiums, call MIChild at 1-888-988-6300 (TTY: 1-888-263-5897). Dental services Diagnostic, preventive, restorative, prosthetic and medically/clinically necessary oral surgery services, including extractions, are covered. The Department of Health and Human Services website contains the list of covered services. Dental services for MIChild members age 18 and younger are provided through Healthy Kids Dental. To find a Healthy Kids Dental provider, call 1-800-482-8915. MIChild is a health care program from the Michigan Department of Health and Human Services for children age 18 and younger. Blue Cross Complete administers MIChild benefits to eligible members. Habilitative services Habilitative services are services that help a person keep, learn or improve skills and functioning for daily living. These services may include physical and occupational therapy, speech language pathology and other services. Hearing care Hearing exams and hearing aid evaluations are available from a network provider. We cover the purchase and fitting of hearing aids, including batteries. When a hearing aid is recommended following a hearing examination conducted while a Member of Blue Cross Complete, the following is covered for each Member once each fifth benefit year: • Hearing aid examination to evaluate the Member for the specific type or brand of hearing aid needed; • One single hearing aid unit (or one per ear if medically necessary) including earphone (receiver or oscillator), ear mold, necessary cords, tubing, and connections. The hearing aid unit must be a conventional amplification device. It must also be an in-the-ear, behind-the ear or on-the-body type, and identified as basic to the Member’s amplification requirements; • Fitting of the hearing aid including one follow-up visit to evaluate the performance of the hearing aid and determine its conformance to prescription; and • For all members, batteries, maintenance, and repair for hearing aids are covered. Payment: The amount that would be paid by Blue Cross Complete for a conventional hearing aid unit may be applied toward an upgraded aid, if desired by the Member. Exclusions Medicare and other federal or state government programs If you obtain Medicare coverage you will be disenrolled from the Healthy Michigan Plan. 44 Did you know? Get where you’re going. Our free ride service can help you get to your covered services. 45 Part 7: Update your personal records If your wishes aren’t followed If you have a complaint about how your provider follows your advance directive, you may write: If your family changes Changes in your family may affect your benefits. These may include when you: • Have a baby • Adopt a baby or gain legal guardianship of a child Department of Licensing & Regulatory Affairs BHCS/Enforcement Division P.O. Box 30670 Lansing, MI 48909-8170 Call: 517-373-9196 The Bureau of Health Care Services website is michigan.gov/healthlicense. Click on Complaints, then How to File a Complaint. • Get married • Get divorced • Change your address If you have any of these changes, tell Customer Service and your DHS case worker when the change happens. Customer Service 1-800-228-8554 24 hours a day, seven days a week If you have complaints about how Blue Cross Complete follows your wishes, you may call the state of Michigan’s Department of Insurance and Financial Services. Call toll-free at 1-877-999-6442 or go to michigan.gov/difs. Make your wishes known: Advance directives Blue Cross Complete respects your right to accept or refuse any medical treatment. An advance directive is a written statement of your wishes for medical care. It explains what treatments you want, or don’t want, when you can’t speak for yourself. Durable power of attorney for health care: The state of Michigan only recognizes an advance directive called a durable power of attorney for health care. To create one, you will need to choose a patient advocate. This person carries out your wishes and makes decisions for you when you cannot. It’s important to pick a person you know and trust to be your advocate. If you don’t choose someone, your doctor, a court, a legal guardian or a family member will be your advocate. Living will: A living will is another type of advance directive. Living wills are not enforceable under Michigan law. Visit us online: MiBlueCrossComplete.com More information and the forms you need to write an advance directive are available by calling Customer Service or going to our website. Talk to your family and primary care physician about your choices. File a copy of your advance directive with your other important papers. Give a copy to the person you designate as your patient advocate. Ask to have a copy placed in your medical record. If your primary care doctor cannot agree to your choices in your advance directive, you may want to change your primary care doctor. Did you know? Call Customer Service for more information and the forms you need to write an advance directive. Or visit michigan.gov and search for “advance directives.” 46 Follow up with your doctor within 24 hours after an urgent care or emergency room visit. 47 Part 8: Your rights and responsibilities Member responsibilities You have the responsibility to: • Know your Blue Cross Complete certificate • Know your member handbook and all other provided materials As a member of Blue Cross Complete, you have rights and responsibilities. Understanding these rights and responsibilities helps you get the most of your health care benefits. • Call Customer Service with any questions • Seek services for all nonemergency care through your primary care physician Member rights • Use the Blue Cross Complete provider network Member rights will be honored by all Blue Cross Complete staff and affiliated providers. You have the right to: • Understand information about your health care • Be referred and approved by Blue Cross Complete and your primary care physician for out-of-network services • Get required care as described in this book • Make and keep appointments with your primary care physician • Be treated with dignity and respect • Contact your doctor’s office if you need to cancel an appointment • Privacy of your health care information, as outlined in this handbook • Be involved in decisions regarding your health • Treatment choices, in spite of cost or benefit coverage • Behave in a proper and considerate manner to providers, their staff, other patients and Blue Cross Complete staff • Fully join in making decisions about your health care • Refuse to accept treatment • Tell Blue Cross Complete of address changes, any changes for your dependent coverage and any other health coverage • Voice complaints, grievances or appeals about Blue Cross Complete and its services, benefits, providers and care • Protect your ID card against misuse • Call Customer Service right away if your card is lost or stolen • Get clear and easy-to-understand written information about Blue Cross Complete’s services, practitioners, providers, rights and responsibilities • Follow your doctor’s instructions regarding your care • Review your medical records and ask that they be corrected or amended • Make treatment goals with your physician • Make suggestions regarding Blue Cross Complete’s rights and responsibilities policies • Contact the Blue Cross Complete Anti-fraud Unit if you suspect fraud For more information, please contact Customer Service. • Be free from any form of abuse, being restrained or secluded, as a means of coercion, discipline, convenience or retaliation when receiving services Your additional rights and responsibilities In addition to these rights and responsibilities, you also have these rights: • To ask for and get information about how our company is structured and operated • Request and receive: – The Blue Cross Complete provider directory • To have your health information stay confidential – The professional education of your providers, including those who are board certified in the specialty of pain medicine for evaluation and treatment • To use your rights without changing the way you are treated by us, your health care providers or the state of Michigan – The names of hospitals where your physicians are able to treat you • To ask for the professional credentials of your provider – The contact information for the state agency that oversees complaints or corrective actions against a provider • To ask for any prior authorization requirements, limits, restrictions or exclusions – Any authorization, requirements, restrictions or exclusions by service, benefit or a specific drug – The information about the financial agreements between Blue Cross Complete and a participating provider 48 Did you know? If you can’t keep your appointment, try to reschedule 24 hours in advance. • To ask about the financial responsibility between Blue Cross Complete and any network provider • To know if there are any provider incentives, such as pay-for-performance • To ask about stop loss coverage 49 Did you know? Your primary care doctor coordinates all your care. Call him or her first for all your health care needs. You also have the responsibility to tell your doctor and Blue Cross Complete about your health and health history. Telling us helps us give you the care and treatment that’s right for you. If you notice any problems or want to report fraud or abuse, write: Healthy Michigan Plan members: You have all the rights and responsibilities of Blue Cross Complete. You also have additional responsibilities. Learn more in Part 5: Healthy Michigan Plan. Help identify health care fraud Blue Cross Complete Anti-fraud Unit PO Box 018 Essington, PA 19029 Or call toll-free: 1-855-232-7640 (TTY users should call 711) Or email: [email protected] You may also report or get more information about health care fraud by writing: Medicaid pays doctors, hospitals, pharmacies, clinics and other health care providers to take care of adults and children who need help getting medical care. Sometimes, providers and patients misuse Medicaid resources. Office of Health Services Inspector General P.O. Box 30062 Lansing, MI 48909 Or call toll-free: 1-855-MI-FRAUD (1-855-643-7283) • Fraud is purposefully misrepresenting facts. Or visit: michigan.gov/fraud • Waste is carelessly or ineffectively using resources. Information may be left anonymously. Unfairly taking advantage of Medicaid resources leaves less money to help other people who need care. This is called fraud, waste and abuse. • Abuse is excessively or improperly using those resources. Help us fight fraud Blue Cross Complete works to find, investigate and prevent health care fraud. You can help. Know what to look for when you get health care services. If you get a bill or statement from your doctor or an Explanation of Benefit Payments statement from us, make sure: • The name of the doctor is the same doctor who treated you • The type and date of service are the same type and date of service you received • The diagnosis on your paperwork is the same as what your doctor told you Health care fraud is a felony in Michigan Some common ways fraud is committed include: • Letting someone else use your Medicaid ID card. Only you have permission to use your card to get covered services. • Falsifying medical bills, claims and other documents. • Using an expired ID card to obtain products or services. • Trying to get payment from multiple insurance policies for the same illness or injury. Anti-fraud Unit 1-855-232-7640 24 hours a day, seven days a week Being involved in fraud, waste or abuse can put your benefits at risk or make other legal problems. Help minimize fraud, waste and abuse. If you suspect fraud, you can report it anonymously by calling our 24/7 anti-fraud hotline. Did you know? In the U.S., 70 percent of all prescriptions are filled with generic medicine. 50 51 Part 9: If you have a concern To ask for an appeal review in person: You can also ask to appeal in person. If you would like to present your appeal in person, we will set up a meeting date and time. We also can provide you with a ride to this meeting. To have someone else ask for an appeal review for you: You can ask for a review yourself. Or, your doctor or someone else you choose can make this request for you. If you want another person to represent you, you must give that person written permission to do so. Grievances and appeals Blue Cross Complete and your doctor want you to be satisfied with the services you receive. State and federal rules require that this permission be made after you get our denial notice. It also must be specific to the service in question. Appeals generally relate to your medical coverage. Grievances are complaints about other aspects of your care or service. To give another person permission, fill out an Authorization of a Member Representative form. Complete and sign your form, and return it to the address on the form. Customer Service can send you this form. If you have a problem relating to your care, please talk to your doctor. Your doctor can often fix the problem. You can always call Customer Service with any questions or problems you may have. If your concern or complaint cannot be fixed by your doctor or Customer Service, you may file a grievance. Grievances If you aren’t happy with us or your doctor, you can file a complaint. We will keep your complaint private. You can file a complaint by writing or calling us: Member Grievances Customer Service Blue Cross Complete 1-800-228-8554 P.O. Box 41789 24 hours a day, seven days a week North Charleston, SC 29423 TTY: 1-888-987-5832 If you send a written complaint, we will let you know that we received it. We will let you know within 30 days that your grievance has been addressed. You can also ask to present your grievance in person. If you would like to present your grievance in person, we will set up a meeting date and time. We also can help you get a ride to this meeting. Healthy Michigan Plan members: To file a complaint about dental services, write, fax or call: Dental Customer Service Blue Cross Complete P.O. Box 2819 Detroit, MI 48202-3231 Fax: 313-875-2401 1-844-320-8465 9 a.m. to 5 p.m. Monday through Thursday 9 a.m. to 3:30 p.m. Friday TTY: 711 Appeals You may disagree with a decision we make about paying for a medical treatment, service, equipment or medicine. We will send you a written notice called a denial notice. You have the right to appeal our decision. An appeal means you ask us to review our decision. If you have questions or need help with the appeal process, please call Customer Service. TTY users should call 1-888-987-5832. Types of review — standard and expedited Customer Service 1-800-228-8554 24 hours a day, seven days a week Standard review (30 days): You can ask for a standard review by writing or calling us. If you need help writing a letter, please call Customer Service. You can also send us any paperwork, medical records or other items that support your appeal. We will send you a letter when we receive your request for review. We’ll respond to your request within 30 days. We may need an extra 10 days if we’re waiting for records from your provider. Write, call or fax: Member Appeals Customer Service Blue Cross Complete 1-800-228-8554 P.O. Box 41789 24 hours a day, seven days a week North Charleston, SC 29423 TTY: 1-888-987-5832 Fax: 1-866-900-4482 Healthy Michigan Plan members: For dental appeals, write, call or fax: Dental Appeals Coordinator Dental Customer Service Blue Cross Complete 1-844-320-8465 P.O. Box 2819 9 a.m. to 5 p.m. Monday Detroit, MI 48202-3231 through Thursday 9 a.m. to 3:30 p.m. Friday Fax: 313-875-2401TTY: 711 Expedited (urgent) review (72 hours): You or your doctor can ask for an urgent review if waiting the standard review time of 30 days would hurt your health or life. If the request for an urgent appeal is granted, we will conduct an urgent review within 72 hours after we receive your request. If your appeal is not expedited, Blue Cross Complete will complete a standard review (30 days). To ask for an urgent review, call Customer Service. You can also fax the request to us at 1-866-900-4482. You can also ask for an expedited appeal from the state of Michigan’s Department of Insurance and Financial Services. We must receive your appeal request within 90 calendar days of the date you receive the denial notice. 52 53 Customer Service 1-800-228-8554 24 hours a day, seven days a week External review Part 10: Your privacy Our decision on your appeal is final. If you do not agree with our final decision, you can ask for an external, or outside, review from the state of Michigan. The state will conduct this review. Our commitment to your privacy Public Act 251 (Patient’s Right to Independent Review Act) describes this process. There is a time limit. The state needs your request within 60 days of our denial letter. Write to: Department of Insurance and Financial Services Healthcare Appeals Section Office of General Council P. O. Box 30220 Lansing, MI 48909-7720 Fax: 517-241-4168 We care about your privacy. This section explains how we get and use your information. Deliver or overnight to: 611 W. Ottawa, 3rd Floor Lansing, MI 48933-1070 We get personal and medical information about you when you enroll in a health plan. It includes your date of birth, gender and other information. We also get bills, data about your health care and reports from your doctor. Call: This information helps us give you health care coverage. It also helps us pay provider claims for your care. We will always treat your information as private. Your information will only be collected and used as explained in our Notice of Privacy Practices. 1-877-999 6442 This information, along with the forms you need to control who can see your information, is on our website. You can also ask Customer Service for copies of this information. Medicaid fair hearing You also have the right to a fair hearing with the state of Michigan. Your doctor or representative could also ask for a hearing. You can do this instead of or at the same time you send your appeal or complaint to Blue Cross Complete. Customer Service 1-800-228-8554 24 hours a day, seven days a week You may keep getting benefits while you appeal. However, if your appeal is not approved, you may have to pay for the benefits you received while your appeal was reviewed. You must make your request within 90 days of this letter. Send your request to: Michigan Administrative Hearing System Department of Community Health P.O. Box 30763 Lansing, MI 48909 Or call: 1-877-833-0870 For more information You have the right at any time to ask for the information we used to make our decision. This includes the benefit guideline or other criteria. To ask for more information, write us at: Member Appeals Blue Cross Complete P.O. Box 41789 North Charleston, SC 29423 Healthy Michigan Plan members: For dental appeals information, write: Dental Appeals Coordinator Blue Cross Complete P.O. Box 2819 Detroit, MI 48202-3231 Did you know? Generic drugs have the same active ingredients as the brand name versions. 54 Learn more about our privacy practices by reading our Notice of Privacy Practices in this section. 55 Your information. Your rights. Our responsibilities. This notice describes how medical information about you may be used and disclosed and how you can get access to this information. Please review it carefully. Your rights You have the right to: • Get a copy of your health and claims records. • Get a list of those with whom we’ve shared your information. • Correct your health and claims records. • Get a copy of this privacy notice. • Request confidential communication. • Choose someone to act for you. • Ask us to limit the information we share. • File a complaint if you believe your privacy rights have been violated. Your rights Get a copy of your health and claims records Ask us to correct health and claims records See page 57 for more information on these rights and how to exercise them. Request confidential communications Your choices You have some choices in the way that we use and share information as we: • Answer coverage questions from your family and friends. • Communicate through mobile and digital technologies. • Provide disaster relief. • Market our services and sell your information. Ask us to limit what we use or share See page 58 for more information on these rights and how to exercise them. Get a list of those with whom we’ve shared information Our uses and disclosures We may use and share your information as we: • Help manage the health care treatment you receive. • Do research. • Run our organization. • Respond to organ and tissue donation requests and work with a medical examiner or funeral director. • Pay for your health services. • Administer your health plan. • Coordinate your care among various health care providers. • Help with public health and safety issues. • Comply with the law. • Address worker’s compensation, law enforcement and other government requests. Get a copy of this privacy notice Choose someone to act for you • Respond to lawsuits and legal actions. See pages 58, 59 and 60 for more information on these uses and disclosures. File a complaint if you feel your rights are violated When it comes to your health information, you have certain rights. This section explains your rights and some of our responsibilities to help you. • You can ask to see or get a copy of your health and claims records and other health information we have about you. Ask us how to do this. • We will provide a copy or a summary of your health and claims records, usually within 30 days of your request. We may charge a reasonable, cost-based fee. • You can ask us to correct your health and claims records if you think they are incorrect or incomplete. • Ask us how to do this. • We may say “no” to your request, but we’ll tell you why in writing within 60 days. • You can ask us to contact you in a specific way (for example, home or office phone) or to send mail to a different address. • We will consider all reasonable requests, and must say “yes” if you tell us you would be in danger if we do not. • You can ask us not to use or share certain health information for treatment, payment or our operations. • We are not required to agree to your request, and we may say “no” if it would affect your care. • You can ask for a list (accounting) of the times we’ve shared your health information for six years prior to the date you ask, who we shared it with and why. • We will include all the disclosures except for those about treatment, payment and health care operations, and certain other disclosures (such as any you asked us to make). We’ll provide one accounting a year for free but will charge a reasonable, cost-based fee if you ask for another one within 12 months. • You can ask for a paper copy of this notice at any time, even if you have agreed to receive the notice electronically. We will provide you with a paper copy promptly. • If you have given someone medical power of attorney or if someone is your legal guardian, that person can exercise your rights and make choices about your health information. • We will make sure the person has this authority and can act for you before we take any action. • You can complain if you feel we have violated your rights by contacting us at 1-800-228-8554 or TTY 1-888-987-5832. • You can file a complaint with the U.S. Department of Health and Human Services Office for Civil Rights by sending a letter to 200 Independence Avenue, S.W., Washington, D.C. 20201, calling 1-877-696-6775, or visiting www.hhs.gov/ocr/privacy/hipaa/complaints/. • We will not retaliate against you for filing a complaint. 56 57 Our Uses and Disclosures (continued) Your choices For certain health information, you can tell us your choices about what we share. If you have a clear preference for how we share your information in the situations described below, talk to us. Tell us what you want us to do, and we will follow your instructions. Administer your plan • Share information with your family, close friends or others involved in payment for your care. • Share information in a disaster relief situation. In these cases, you have both the right and choice to tell us to: • Share information with you through mobile and digital technologies (such as sending information to your email address or to your cell phone by text message or through a mobile app). If you are not able to tell us your preference, for example if you are unconscious, we may go ahead and share your information with others (such as to your family or to a disaster relief organization) if we believe it is in your best interest. We may also share your information when needed to lessen a serious and imminent threat to health or safety. However, we will not use Coordinate your care among various health care providers mobile and digital technologies to send you health information unless you agree to let us do so. Example: We share health information information for plan administration. with others who we contract with for administrative services. Our contracts with various programs require Example: We share health information that we participate in certain electronic through an HIN or HIE to provide timely Health Information Networks (“HINs”) and/ information to providers rendering services or Health Information Exchanges (“HIEs”) to you. so that we are able to more efficiently coordinate the care you are receiving from various health care providers. If you are enrolled/enrolling in a governmentsponsored program, such as Medicaid or Medicare, please review the information provided to you by that program to The use of mobile and digital technologies (such as text message, email or mobile app) has a number of risks that you should consider. Text messages and emails may be read by a third party if your mobile or digital device is stolen, hacked or unsecured. Message and data rates may apply. In these cases we never share your information unless you give us written permission: We may disclose your health plan determine your rights with respect to participating in an HIN or HIE. How else can we use or share your health information? We are allowed or required to share your information in other ways — usually in ways that contribute to the public good, such as public health and research. We have to meet many conditions in the law before we can share your information for these purposes. For more information, see: www.hhs.gov/ocr/privacy/hipaa/understanding/consumers/index.html. • Marketing purposes. • Sale of your information. We can share health information about you for certain situations such as: Our uses and disclosures Help manage the health care treatment you receive Run our organization How do we typically use or share your health information? We typically use or share your health information in the following ways. • Preventing disease. • Helping with product recalls. • Reporting adverse reactions to medications. • Reporting suspected abuse, neglect or domestic violence. We can use your health information and share Example: A doctor sends us information it with professionals who are treating you. about your diagnosis and treatment plan so we can arrange additional services. We can use and disclose your information to Example: We use health information about run our organization and contact you when you to develop better services for you. • Preventing or reducing a serious threat to anyone’s health or safety. Do research • We can use or share your information for health research. Comply with the law • We will share information about you if state or federal laws require it, including with the Department of Health and Human Services if it wants to see that we’re complying with federal privacy law. necessary. We are not allowed to use genetic information to decide whether we will give you coverage and the price of that coverage. This does not apply to long-term care plans. Pay for your health services Help with public health and safety issues We can use and disclose your health Example: We share information about you to information as we pay for your health services. coordinate payment for your health services. 58 Respond to organ and tissue donation requests and work with a medical examiner or funeral director • We can share health information about you with organ procurement organizations. • We can share health information with a coroner, medical examiner or funeral director when an individual dies. 59 Our Uses and Disclosures (continued) Changes to the terms of this notice We can use or share health information about you: Address workers’ compensation, law enforcement and other government requests Respond to lawsuits and legal actions Additional restrictions on use and disclosure • For workers’ compensation claims. • For law enforcement purposes or with a law enforcement official. We can change the terms of this notice, and the changes will apply to all information we have about you. The new notice will be available upon request and on our website, and we will mail a copy to you. Effective date of this notice: September 3, 2015 • With health oversight agencies for activities authorized by law. • For special government functions such as military, national security and presidential protective services. • We can share health information about you in response to a court or administrative order, or in response to a subpoena. • Certain federal and state laws may require greater privacy protections. Where applicable, we will follow more stringent federal and state privacy laws that relate to uses and disclosures of health information concerning HIV/AIDS, cancer, mental health, alcohol and/ or substance abuse, genetic testing, sexually transmitted diseases and reproductive health. Our responsibilities Blue Cross Complete takes our members’ right to privacy seriously. To provide you with your benefits, Blue Cross Complete creates and/or receives personal information about your health. This information comes from you, your physicians, hospitals and other health care services providers. This information, called protected health information, can be oral, written or electronic. • We are required by law to maintain the privacy and security of your protected health information. • We are required by law to ensure that third parties who assist with your treatment, our payment of claims or health care operations maintain the privacy and security of your protected health information in the same way that we protect your information. • We are also required by law to ensure that third parties who assist us with treatment, payment and operations abide by the instructions outlined in our Business Associate Agreement. • We will let you know promptly if a breach occurs that may have compromised the privacy or security of your information. • We must follow the duties and privacy practices described in this notice and give you a copy of it. • We will not use or share your information other than as described here unless you tell us we can in writing. If you tell us we can, you may change your mind at any time. Let us know in writing if you change your mind. For more information, see: www.hhs.gov/ocr/privacy/hipaa/understanding/consumers/noticepp.html. 60 61 Part 11: Our Board of Managers Did you know that you can have a say about how Blue Cross Complete operates? The Blue Cross Complete Board of Managers helps adopt and put in place the policies that say how Blue Cross Complete runs. The board meets about four times a year. It’s important for our members to be represented, so one-third of the board includes Blue Cross Complete members. Members are elected by other Blue Cross Complete members to represent them on the board. The board also includes senior health plan leadership. Elected members serve on the board for a three-year term. All members age 21 and older are able to vote for their member board representative. If you’re interested in being on the board, you must be: • A current Blue Cross Complete member. • A Michigan resident. Certificate of Coverage • At least age 21. • Able to attend board and committee meetings at least four times a year. We can help you get rides to the board meetings. If you have questions about the board or its members, call Customer Service. 1. General conditions. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 41 2.Definitions. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 42 3.Eligibility. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 46 4. Enrollment requirements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 46 5.Disenrollment. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 46 6. Effective date of coverage. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 46 7. Blue Cross Complete member rights and responsibilities. . . . . 47 8. Member’s role in policy making. . . . . . . . . . . . . . . . . . . . . . . . . 50 9. Payment for coverage . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 50 10. Claim provisions. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 50 11. Coordination of benefits and subrogation. . . . . . . . . . . . . . . . . 50 12. Out-of-area coverage. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 51 13. Term and termination. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 52 14. Benefits. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 52 62 63 1. General conditions Appendix Part 1: Schedule of benefits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 55 A-1. Professional services . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 55 1.01This Certificate of Coverage is issued to persons who have enrolled in Blue Cross Complete through the Michigan Department of Health and Human Services. By enrolling and accepting this Certificate, the Member agrees to abide by the rules of Blue Cross Complete as outlined in the Certificate. 1.02 A-2. Hospital services . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 57 A-3. Emergency services and related services . . . . . . . . . . . . . . 58 A-4. Diagnostic and therapeutic services and tests . . . . . . . . . . 59 A-5. Home health services. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 60 A-6. Equipment to support home care. . . . . . . . . . . . . . . . . . . . 60 A-7. Physical, occupational and speech services . . . . . . . . . . . . 60 A-8. Cardiac rehabilitation services. . . . . . . . . . . . . . . . . . . . . . . 60 A-9. Patient counseling and education. . . . . . . . . . . . . . . . . . . . 60 1.03This Certificate of Coverage states the terms of enrollment, membership, and coverage under which a Medicaid-eligible recipient may secure Blue Cross Complete health benefits. Appendix A lists the benefits to which these Members are entitled, and specifies limitations and exclusions. 1.04 GOVERNING LAWS: This Certificate is made and shall be interpreted under the laws of the state of Michigan. 1.05 WAIVER BY AGENTS: No agent or person, except an authorized officer of Blue Cross Complete, has authority to waive any conditions or restrictions of this Certificate, or to bind Blue Cross Complete by making a promise or representation, or by giving or receiving any information. No change in this Certificate shall be valid unless evidenced by an endorsement or amendment to it, signed by an authorized officer. 1.06 POLICY AND PROCEDURES: Blue Cross Complete may adopt reasonable policies, procedures, rules, and interpretations to promote the orderly and efficient administration of this Certificate. 1.07 ASSIGNMENT: All rights of a Member to receive benefits and services are personal, granted only to the Member, and may not be assigned to a third party. 1.08 HEADINGS: The headings and captions in this Certificate are not to be considered as part of the Certificate and are inserted only for convenience. 1.09 NOTICE: Any notice required or permitted to be given by Blue Cross Complete in this Certificate shall be given in writing and either personally delivered or deposited in the United States Mail with postage prepaid and addressed to the Member at the address of record on file at Blue Cross Complete’s administrative offices. 1.10 LEGAL ACTIONS: No action at law or in equity shall be brought to recover on this policy prior to the expiration of 60 days after written proof of loss has been furnished in accordance with the requirements of this policy. No such action shall be brought after the expiration of three years after the time written proof of loss is required to be furnished. A-10. Skilled nursing facility . . . . . . . . . . . . . . . . . . . . . . . . . . . . 61 A-11. Hospice . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 61 A-12. Hearing examinations and hearing aids . . . . . . . . . . . . . . 61 A-13. Durable medical equipment, prosthetics and orthotics . . 62 A-14. Disposable medical items and other medical supplies. . . 62 A-15. Special provisions applicable to organ and tissue transplants. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 63 A-16. Health services by nonplan providers. . . . . . . . . . . . . . . . 63 A-17. Mental health services. . . . . . . . . . . . . . . . . . . . . . . . . . . . 63 A-18. Oral surgical services. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 64 A-19. Oral health screening and fluoride varnish. . . . . . . . . . . . 64 A-20. Chiropractic services. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 64 A-21. Vision. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 64 A-22. Podiatry. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 65 A-23. Prescription drugs and medicine. . . . . . . . . . . . . . . . . . . . 65 Part 2: Schedule of limitations and exclusions . . . . . . . . . . . . . . . . . 66 A-24. Limited and excluded services . . . . . . . . . . . . . . . . . . . . . 66 64 Blue Cross Complete of Michigan is a State approved health maintenance organization (HMO). Blue Cross Complete of Michigan is an independent licensee of the Blue Cross Blue Shield Association. The Association permits Blue Cross Complete of Michigan to use the Blue Cross Blue Shield service mark in Michigan. Blue Cross Complete of Michigan is not contracting as the agent of the Association. No person, entity or organization other than Blue Cross Complete will be held accountable or liable to Blue Cross Complete members for any of Blue Cross Complete’s obligations created under this contract. Blue Cross Complete is solely responsible for its own debts and other obligations. 2. Definitions 2.01 AMBULATORY SURGERY means surgery performed in an operating room at a hospital or freestanding surgical center without overnight admission. Procedures routinely performed in the office of physicians are not considered ambulatory surgery. 2.02 APPROVED FACILITY means a facility that provides medical or other services to Blue Cross Complete Members and has entered into an agreement with Blue Cross Complete to do so. 65 2.03 ATTENDING PHYSICIAN means any physician who, upon appropriate referral by a primary care physician or authorization by Blue Cross Complete, is responsible for the care of Blue Cross Complete Members in inpatient hospital or ambulatory surgery facilities. 2.04 AUTHORIZED SERVICE means any health care service which is a benefit under the Certificate and which has been provided or arranged by a primary care physician or his or her designee and/or authorized by the Blue Cross Complete Medical Director to be provided by another provider. An authorized service may be referred to in this document as a covered service. 2.05 BENEFITS are the health care services described in this Certificate of Coverage and required under Michigan law or by MDHHS. 2.06 BLUE CROSS COMPLETE BEHAVIORAL HEALTH DEPARTMENT is the department that provides, arranges, or authorizes provision of covered mental health services to Members. 2.07 CERTIFICATE OF COVERAGE (or Certificate) is the statement of covered benefits, including the terms of enrollment and covered services. Certificate of Coverage may also be referred to as the Certificate. 2.08 • Serious jeopardy to the health of the individual or in the case of a pregnant woman, the health of the woman or her unborn child, • Serious impairment to bodily functions, or • Serious dysfunction of any bodily organ or part. Further, emergency services means covered inpatient and outpatient services that are as follows: • Furnished by a provider that is qualified to furnish these services under this title. • Needed to evaluate or stabilize an emergency medical condition. Poststabilization care services means covered services, related to an emergency medical condition that are provided after a Member is stabilized in order to maintain the stabilized condition, or, to improve or resolve the enrollee’s condition. 2.18 ENROLLEE is an individual determined by MDHHS to be entitled to receive health care services under this Certificate of Coverage. 2.19 EXPERIMENTAL, INVESTIGATIONAL OR RESEARCH MEDICAL, SURGICAL CARE DRUG, DEVICE, TREATMENT, OR PROCEDURE CONTRACT consists of the Blue Cross Complete Health Plan Certificate of Coverage including General Conditions, Definitions, Limitations and Exclusions, the issued member ID cards, forms and questionnaires completed by the Member, and any duly authorized amendments, riders, or endorsements. 2.09 CONTRACT YEAR means the 12-month period beginning with the effective date of the contract between MDHHS and Blue Cross Complete. 2.10 CONTRACTED HOSPITAL means a hospital which has signed a contract with Blue Cross Complete or on whose behalf a contract has been signed to provide covered services to Blue Cross Complete Members in accordance with the terms and conditions of the contract. A contracted hospital also may be referred to as a participating hospital or a network hospital. 2.11 CONTRACTED PHYSICIAN means a physician who has signed a contract with Blue Cross Complete or on whose behalf a contract has been signed or who is employed by a contracted hospital or who is a participant in a physician group or PHO which has signed a contract to provide covered services to Blue Cross Complete Members in accordance with the terms and conditions of the contract. A contracted physician also may be referred to as a participating physician or a network physician. 2.12 CONTRACTED PROVIDER means a provider who has signed a contract with Blue Cross Complete or on whose behalf a contract has been signed to provide covered services to Blue Cross Complete Members in accordance with the terms and conditions of the contract. A contracted provider also may be referred to as a participating provider. 2.13 COVERED SERVICE(S) means the comprehensive health care services delivered under the terms and conditions for their delivery described in the Certificate of Coverage. 2.14 CUSTODIAL CARE is provided by persons without professional health care skills or training, primarily for the purpose of meeting personal needs such as bathing, walking, dressing, and eating. 2.15 DURABLE MEDICAL EQUIPMENT is equipment that is able to withstand repeated use, is customarily used to serve a medical purpose, and is not useful to a person in the absence of illness or injury. Examples include canes, crutches, and bed rails. 2.16 EFFECTIVE DATE is the date the Member is entitled to receive covered services pursuant to this Contract as determined by MDHHS. 2.17 EMERGENCY SERVICES means medically necessary services provided to a Member for the sudden onset of a medical condition that manifests itself by acute symptoms of sufficient severity, including severe pain, such that the absence of immediate medical attention could reasonably be expected to result in: 66 This means a drug, device, treatment, or procedure meeting one or more of the following criteria: • It cannot be lawfully marketed, without the approval of the U.S. Food and Drug Administration and such approval has not been granted at the time of its use or proposed use; or • It is the subject of a current investigational new drug or new device application on file with the FDA; or • It is being provided pursuant to a Phase I or Phase II clinical trial or as the experimental or research arm of a Phase III clinical trial; or • It is being provided pursuant to a written protocol which describes among its objectives the determination of safety, efficacy or efficiency in comparison to conventional alternatives; or • It is described as experimental, investigational or research by informed consent or patient information documents; or • It is being delivered or should be delivered subject to the approval and supervision of an Institutional Review Board (IRB) as required and defined by federal regulations, particularly those of the FDA or the Department of Health and Human Services (HHS) or successor agencies, or of a human subjects (or comparable) committee; or • The predominant opinion among experts as expressed in the published authoritative medical investigational or research settings; or • The predominant opinion among experts as expressed in the published authoritative medical or scientific literature is that further experiment, investigation or research is necessary in order to define safety, toxicity, effectiveness or efficiency compared with conventional alternatives. (Antineoplastic drug therapy shall be provided in accordance with Michigan law.) 2.20 FEE SCHEDULE means the schedule of fees that Blue Cross Complete pays to contracted providers for services and benefits under this Certificate. 2.21 HEARING AID is an electronic device worn for the purpose of amplifying sound and assisting the physiological process of hearing. 2.22 HOMEBOUND means a medical condition that prevents the patient from leaving home. 2.23 HOME HEALTH AGENCY is an organization licensed or certified pursuant to the laws of the state of Michigan as a home health agency and which has entered into an agreement with Blue Cross Complete to provide covered services to Members. 67 2.24 HOME HEALTH CARE means part-time skilled health care provided for homebound Members in the home for the treatment of an illness or injury, for medical conditions which are not long-term or chronic in nature. 2.25 HOSPICE CARE means services that are primarily used to provide pain relief, symptom management, and supportive services to the terminally ill and their families. 2.26 Blue Cross Complete of Michigan is authorized by the state of Michigan to arrange for the provision of health care services as a health maintenance organization (HMO). 2.27 Blue Cross Complete of Michigan is the name of the health care plan described in this Certificate of Coverage. Blue Cross Complete of Michigan may be referred to in this document as Blue Cross Complete, Plan, Health Plan or as the Medicaid Plan. 2.28 MEDICAID FAIR HEARING PROCESS means a process that exists at the Michigan Department of Health and Human Services that a Member may use to raise any concerns about any Blue Cross Complete decision under this Certificate. The Medicaid Fair Hearing Process is described in the Member Handbook. 2.29 MEDICAL DIRECTOR is a Michigan licensed physician designated by Blue Cross Complete to provide medical management and related services on behalf of Blue Cross Complete. As used in the Certificate, the term shall include any individual designated by the Medical Director to act on his or her behalf. 2.30 MEDICALLY NECESSARY means services and supplies furnished to a Member when and to the extent the Blue Cross Complete Medical Director or his or her designee determines that they satisfy all of the following criteria: • They are medically required and medically appropriate for the diagnosis and treatment of the Member’s illness or injury; • They are consistent with professionally-recognized standards of health care; • They do not involve costs that are excessive in comparison with alternative services that would be effective for the diagnosis and treatment of the Member’s illness or injury. The fact that a physician may have prescribed, ordered, recommended, or approved the provision of certain services to the Member does not necessarily mean that such services satisfy the above criteria. 2.31 MEMBER means an individual entitled to receive benefits under this Certificate. 2.32 MEMBER APPEALS PROGRAM (MAP) means the process under which a Member may obtain a response to a concern about Blue Cross Complete, the Plan, and/or any physicians, health professionals, or other affiliated providers who have provided service to the Blue Cross Complete Member. The MAP provides for a response in accordance with established procedures described in the Member Handbook. 2.33 NONAUTHORIZED SERVICE means any health care service, whether or not a benefit under this Certificate, which has not been provided or arranged by the primary care physician or his or her designee, or has not been authorized by Blue Cross Complete to be provided by another provider. 2.38 PRESCRIPTION means any physician or licensed practitioner order for a medicinal substance which under the Federal Food, Drug, and Cosmetic Act is required to bear on the packaging label the following legend: “Caution: Federal Law prohibits dispensing without a prescription.” 2.39 PRIMARY CARE PHYSICIAN (PCP) means the contracted physician who is primarily responsible for providing or coordinating the provision of health services to a Member through referrals to other health care professionals, facilities, or entities. A primary care physician’s specialty is Family Practice, General Practice, Internal Medicine, OB-GYN, or Pediatrics. A specialist may act as a PCP when the Enrollee’s medical condition warrants management by a physician specialist when approved by Blue Cross Complete. 2.40 PROSTHETIC DEVICE is a device which aids body functioning or replaces a limb or body part. 2.41 RESTORATIVE HEALTH SERVICES means intermittent or short-term rehabilitative nursing care that may be provided in or out of a health care facility. 2.42 SERVICE AGREEMENT is the contract between Blue Cross Complete of Michigan and the Michigan Department of Management and Budget, Acquisition Services, which establishes the scope of benefits being purchased, the criteria for eligibility, as well as the underwriting and administrative agreements between the parties. 2.43 SERVICE AREA means the geographical area in which Blue Cross Complete has been authorized by state authorities to provide or arrange for the provision of health services to Members by network providers. 2.44 SKILLED CARE is service, furnished on physician orders, that requires the skills of qualified technical or professional health personnel. Some of these are defined as: registered nurses, physical therapists, occupational therapists, and speech pathologists. The care must be provided directly by, or under the general supervision of, these skilled nursing or skilled rehabilitation personnel to assure the safety of the Member, and to achieve the medically desired result. 2.45 SKILLED NURSING FACILITY is an institution which has been licensed by the state of Michigan and certified by Medicaid to provide skilled care nursing services. 2.46 SPECIALIST is a physician to whom a Blue Cross Complete Member has been referred by the Blue Cross Complete primary care physician or his or her designee and/or Blue Cross Complete for special consultation or treatment. 3. Eligibility 3.01 3.02 MEMBERS – To be eligible to enroll, a person must: • Be eligible for Medicaid as determined by MDHHS, • Have a Medicaid status that is permitted by MDHHS to enroll in an HMO, and • Reside within the service area. In all cases, final determination of Blue Cross Complete eligibility is made by MDHHS. 2.34 NONCOVERED SERVICE means any health care service excluded as a benefit under this Certificate. 2.35 NONPLAN PROVIDER means any health care professional or provider who is not party to a contract with Blue Cross Complete to provide services to Medicaid members. 4.01 The categories of Medicaid-eligible persons who may enroll in HMOs are determined by MDHHS. 2.36 ORTHOTIC DEVICE is an external device which is designed to correct or assist in the prevention of a bodily defect either of form or function. 4.02 2.37 PLAN means the Blue Cross Complete Medicaid Plan. Newborns of Medicaid-eligible women are automatically enrolled in Blue Cross Complete effective with date of birth if the mother is a Blue Cross Complete Member at the time of delivery. 68 4. Enrollment requirements 69 5. Disenrollment 5.01 If a Member wishes to disenroll, he/she must follow the procedures set forth by MDHHS. Disenrollment information is available upon request from the Customer Service department. 5.02 All rights to benefits cease as of the effective date of disenrollment, without prejudice to claims for services rendered prior to the effective date of disenrollment. However, if the Member is an inpatient of an acute care facility at the time of disenrollment, Blue Cross Complete will cover the stay until the day of discharge. The disenrollment date will be determined by MDHHS. 5.03 Blue Cross Complete may request special disenrollment of a Member from the Michigan Department of Health and Human Services if a Member’s actions are inconsistent with Blue Cross Complete membership. Disenrollment for an approved request will be effective immediately. Special disenrollment requests may be made in cases of: • Violent/life-threatening situations involving physical acts of violence; physical or verbal threats of violence made against Blue Cross Complete-affiliated providers, Blue Cross Complete staff or the public at Blue Cross Complete locations; or where stalking situations exist; or • Fraud/misrepresentation to the plan, including alteration or theft of prescriptions or misrepresentation of Blue Cross Complete membership allowing another person to receive health care services or allowing another person use of member’s ID card; or • Other noncompliance situations including repeated use of non-Blue Cross Completeaffiliated providers; discharge from the practices of multiple Blue Cross Complete network providers; repeated emergency room use; and those who impede care. Special disenrollments will occur only to the extent consistent with the rules and regulations of MDHHS. 5.04 • Request and receive: – The Blue Cross Complete Provider Directory – The professional education of your providers, including those who are board certified in the specialty of pain medicine for evaluation and treatment – The names of hospitals where your physicians are able to treat you – The contact information for the state agency that oversees complaints or corrective actions against a provider – Any authorization, requirements, restrictions or exclusions by service, benefit or a specific drug – The information about the financial agreements between Blue Cross Complete and a participating provider Member responsibilities: • Know your Blue Cross Complete Certificate • Know your Member Handbook and all other provided materials • Call Customer Service with any questions • Seek services for all nonemergency care through your primary care physician, except as otherwise stated in this Certificate • Use the Blue Cross Complete network • Be referred and approved by Blue Cross Complete and your primary care physician for out-of-network services • Make and keep appointments with your primary care physician • Contact your doctor’s office if you need to cancel an appointment • Be involved in decisions regarding your health • Behave in a proper and considerate manner to providers, their staff, other patients and Blue Cross Complete staff • Tell Blue Cross Complete of address changes, any changes for your dependents coverage and any other health coverage • Protect your card against misuse • Call Customer Service right away if your card is lost or stolen • Follow your doctor’s instructions regarding your care • Make treatment goals with your physician • Contact Blue Cross Complete Anti-fraud Unit if you suspect fraud For more information, members may contact Customer Service. 6. Effective date of coverage 6.01 All eligible, enrolled Members will be covered under this Certificate on the date agreed upon between MDHHS and Blue Cross Complete. 7. Blue Cross Complete Member rights and responsibilities 7.01 RIGHTS AND RESPONSIBILITIES Member rights will be honored by all Blue Cross Complete staff and affiliated providers. Member rights: • Understand information about your health care • Get required care as described in this book • Be treated with dignity and respect • Privacy of your health care information, as outlined in this handbook • Treatment choices, in spite of cost or benefit coverage • Fully join in making decisions about your health care • Refuse to accept treatment • Voice complaints, grievance or appeals about Blue Cross Complete and its services, benefits, providers and care • Get clear and easy to understand written information about Blue Cross Complete’s services, practitioners, providers, rights and responsibilities policies • Review your medical records and ask that they be corrected or amended • Make suggestions regarding Blue Cross Complete’s rights and responsibilities policies • Be free from any form of abuse, being restrained or secluded, as a means of coercion, discipline, convenience or retaliation when receiving services 70 7.02 PRIMARY CARE PHYSICIAN SELECTION AND CONTINUITY OF CARE Upon enrollment, and by the effective date thereof, the Member shall select a primary care physician for each member of the family. Blue Cross Complete reserves the right to choose a primary care physician for the Member in the event that he/she does not indicate a physician selection. Blue Cross Complete will use prescribed guidelines to make such a selection. Adult members may change their primary care physician or that of their enrolled child by submitting a request to Blue Cross Complete. Foster parents must contact the child’s MDHHS case worker to change the child’s primary care physician. Normally, such a change will take effect within two business days after BCC receives the request. Blue Cross Complete may limit the number of times a member can change PCPs without cause in a year. If a member’s PCP leaves Blue Cross Complete’s network for any reason other than failure to meet Blue Cross Complete’s quality standards or fraud, a Member who is undergoing an 71 ongoing course of treatment with that physician may be eligible to receive treatment from that physician as follows: • For as many as ninety (90) days after the Member receives notice that the contracted physician is leaving Blue Cross Complete’s network. • If the Member is in her second or third trimester of pregnancy at the time of her obstetrician’s termination from the Blue Cross Complete network, she may continue with the terminated physician through post-partum care (i.e., the regular post-partum visit) directly related to that pregnancy. • If the Member is determined to have a terminal illness prior to a physician’s termination or knowledge of the termination and the physician was treating the terminal illness before the date of termination or knowledge of termination, for the remainder of the Member’s life for care directly related to the treatment of the terminal illness. All other care must be provided by contracted providers. Except as otherwise stated in this Certificate, continuity of care applies only if the requested continuation is prior authorized by Blue Cross Complete and the departing physician agrees to all of the following: (i) to continue to accept as payment in full reimbursement from Blue Cross Complete at the rates applicable before the termination; (ii) to follow Blue Cross Complete’s standards for maintaining quality health care and to provide to Blue Cross Complete medical information related to the care; and (iii) to otherwise comply with Blue Cross Complete’s policies and procedures including, but not limited to, those concerning utilization review, referrals, prior authorization, and treatment plans. 7.03 7.04 REFUSAL TO ACCEPT TREATMENT/NONCOMPLIANCE WITH TREATMENT PLAN A Member enrolls in Blue Cross Complete with the understanding that providers are responsible for determining treatment appropriate to the Member’s care. A Member may refuse procedures recommended by a physician. If refusal of recommended procedure is related to lack of agreement between the physician and patient and creates a barrier to the delivery of proper health care, the health plan may assist the member in changing the primary care physician. If the Member refuses to accept recommended treatment or procedures and no alternatives exist, the Member shall be so advised. MEMBER APPEALS PROGRAM Blue Cross Complete has set up a mechanism for receiving, processing, and resolving Member appeals and grievances relating to the benefits or the operation of Blue Cross Complete. This is fully described in the Blue Cross Complete Medicaid Plan Member Handbook, “Part 8: If you have a concern.” Members will receive a copy of the Member Handbook describing the Member Appeals Program when they enroll with Blue Cross Complete, and may receive additional copies at any time by telephone request to Customer Service at the number listed below. There is a time limit on filing an appeal. You must file within 90 days of the problem or denial. Contact us for a form to do this. If you have questions please call Customer Service at 1-800-228-8554 (TTY: 1-800-649-3777). You may also make an appointment to come into Blue Cross Complete’s office. 7.05 MEMBER IDENTIFICATION CARDS Mere possession of the Blue Cross Complete Member Identification Card confers no right for benefits under this Certificate. To be entitled to such benefits, the holder of the card must meet and maintain all MDHHS requirements. If a member permits the use of his or her Member Identification Card by any other person, the card may be reclaimed by Blue Cross Complete and/or its providers, and all rights of such Member and other members of his or her family can be terminated immediately (see Section 13.02). A Member shall report loss or theft of the Member Identification Card to Blue Cross Complete immediately upon discovery of loss or theft. 72 7.06 FORMS AND QUESTIONNAIRES Members shall complete and submit to Blue Cross Complete such forms and medical questionnaires as requested. Members warrant that all information completed by them is true, correct, and complete to the best of their knowledge. 7.07 BENEFITS, POLICIES, AND PROCEDURES The Member is responsible for becoming familiar with and following Blue Cross Complete Medicaid Plan benefits, policies, and procedures. 7.08 HEALTH MANAGEMENT PROGRAM Enrolling in Blue Cross Complete entitles the Member to participate in Blue Cross Complete’s Health Management Program which includes health promotion activities, health education activities, disease management programs, and case management programs. 7.09 MEMBERSHIP RECORDS Blue Cross Complete will keep membership records. Blue Cross Complete is not liable for any obligation dependent upon information to be supplied by the Member prior to receipt in satisfactory form. Incorrect information furnished may be corrected if Blue Cross Complete has not acted to its prejudice by relying on it. 7.10 AUTHORIZATION TO RECEIVE INFORMATION Blue Cross Complete is entitled to receive from any provider of services to Members information reasonably necessary in connection with the administration of this Certificate but subject to applicable confidentiality requirements. By acceptance of coverage under this Certificate, the Member authorizes providers rendering services hereunder to report to and disclose information concerning the care, treatment and physical condition of the Member to Blue Cross Complete upon request and to permit copying of records by Blue Cross Complete. 8. Member’s role in policy making 8.01 BOARD OF MANAGERS As provided by law, at least one third of the Blue Cross Complete Board of Managers shall consist of adult enrollees elected by persons enrolled in Blue Cross Complete. Each Member shall receive a list of Blue Cross Complete’s Board of Managers with enrollee board members clearly identified. Changes in Board membership shall be reflected in Blue Cross Complete’s periodic newsletter. Members may contact Blue Cross Complete or the enrollee representatives for information on becoming a member of the Board of Managers. 8.02 REGULAR COMMUNICATION Members shall receive Blue Cross Complete’s newsletter which will provide information regarding current policy, policy changes, and how best to take advantage of the Blue Cross Complete Plan services. 9. Payment for coverage 9.01 MDHHS is responsible for making premium payments to Blue Cross Complete for all Medicaid members. Payments shall be made in accordance with the terms of the agreement between Blue Cross Complete and MDHHS. 10. Claim provisions 10.01 It is not expected that a Member will make payments to any participating provider for benefits under this Certificate. However, if the Member furnishes evidence satisfactory to Blue Cross Complete that he/she has made payment to a contracted authorized provider in exchange for benefits provided under this Certificate, and that the payment is the responsibility of Blue Cross Complete, the Member shall be reimbursed by Blue Cross Complete, so long as an itemized bill and original evidence of payment (canceled check, 73 In the event a suit instituted by Blue Cross Complete on behalf of the Member results in monetary damages awarded in excess of the cash value of actual benefits provided by Blue Cross Complete, Blue Cross Complete shall have the right to recover costs of suit and attorney fees out of the excess, to the extent of the cost of such fees. cash receipt, etc.) is received by Blue Cross Complete no later than one year from the date of service. Receipts may be submitted to: Blue Cross Complete Attention: Claims P.O. Box 7355 London, KY 40742 11.04 RIGHT OF PAYMENT AND RECOVERY Whenever benefits have been provided by Blue Cross Complete under the contract and the responsibility for payment is with another plan, Blue Cross Complete shall have the right to deny payment or recover from the other plan the reasonable cash value of each service provided by Blue Cross Complete in a total amount necessary to satisfy the intent of this section. 11.05 RIGHT TO RECEIVE AND RELEASE NECESSARY INFORMATION For the purpose of determining the applicability of and implementing the terms of this section, Blue Cross Complete will be required from time to time to release or to obtain information with respect to a Member, which it deems to be necessary for such purposes. A Member who is claiming benefits under the contract shall furnish to Blue Cross Complete such information as may be necessary to implement this section. This would include notifying Blue Cross Complete if there is any change in other insurance coverage. 11. Coordination of benefits and subrogation Other party liability Blue Cross Complete does not pay claims or coordinate benefits for services which are not provided or authorized by a Blue Cross Complete physician and which are not benefits under this Certificate, except as otherwise stated in this Certificate. 11.01 GENERAL PROVISION Blue Cross Complete intends to provide each of its Members with full benefits to the limit of this Certificate. However, a Member may not receive duplicate benefits, or benefits greater than the actual expenses incurred or Blue Cross Complete’s fee schedule amount, whichever is less. Duplicate coverage does not extend available Blue Cross Complete benefits beyond the limits of this Certificate. The Member shall execute and deliver such instruments and take such other action as Blue Cross Complete may require implementing the provisions of this section. The Member shall do nothing to prejudice the rights given Blue Cross Complete by this provision without its prior written consent. Benefits are not provided under this Certificate to the extent that any amounts are paid or payable for expenses to or on behalf of the Member under the provisions of any insurance, service benefit or reimbursement plan providing similar direct benefits without regard to fault, including by way of illustration and not limitation: Medicare, Worker’s Compensation, Employer’s Liability Law, or No Fault Automobile Insurance. 11.02 COORDINATION OF BENEFITS If a Blue Cross Complete Member is injured and requires treatment relating to a motor vehicle accident, Blue Cross Complete will require a statement indicating the type of medical coverage carried on the Member’s automobile insurance. In establishing the order of carrier responsibility applicable to health plans covering Blue Cross Complete Members, Blue Cross Complete will follow the coordination of benefits guidelines of MDHHS. All medical bills must first be submitted to the primary insurance carrier. Blue Cross Complete will generally be the payer of last resort. 11.03SUBROGATION If the Member has a right of recovery from person or organization for any benefits or supplies covered under this contract (except from a Member’s health insurance coverage, subject to the coordination of benefits provisions), the Member, as a condition to receiving benefits under this contract, will either: • Pay Blue Cross Complete all sums recovered by suit, settlement, or otherwise, to the extent of benefits provided by Blue Cross Complete and in an amount equal to the Blue Cross Complete payment for those benefits, but not in excess of monetary damages collected; or, • Authorize Blue Cross Complete to be subrogated to the Member’s rights of recovery, to the extent only of the benefits provided including the right to bring suit in the Member’s name at the sole cost and expense of Blue Cross Complete. 74 12. Out-of-area coverage 12.01 Members are entitled to out-of-area coverage for urgent and emergent medical care. Routine out-of-area care must be requested in advance by the primary care physician and approved in writing in advance by Blue Cross Complete. Services authorized by Blue Cross Complete to be received outside the state of Michigan will be administered consistent with the requirements of MDHHS and through BlueCard, a Blue Cross Blue Shield Association Program. For more information, please call Customer Service. 13. Term and termination 13.01TERM This Certificate shall continue in effect from the effective date as long as the Member is eligible according to MDHHS and as long as Blue Cross Complete is contracted with the state of Michigan as a qualified health plan for the Medicaid program. 13.02 TERMINATION FOR CAUSE Coverage for a Member may be terminated for cause, subject to reasonable notice and the consent of MDHHS for: • Violent/Life-Threatening situations including physical acts of violence; physical or verbal threats of violence made against Blue Cross Complete-affiliated providers, Blue Cross Complete staff, or the public at Blue Cross Complete locations; or where stalking situations exist; or • Fraud/Misrepresentation including alteration or theft of prescriptions or misrepresentation of Blue Cross Complete membership allowing another person to receive health care services or allowing another person use of member’s ID card; or. • Other noncompliance situations including repeated use of non-Blue Cross Completeaffiliated providers; discharge from the practices of multiple Blue Cross Complete network providers; repeated emergency room use; and those who impede care. NOTE: On or after the effective date of termination for cause, premium payments received on behalf of such terminated Member for periods following the termination date shall be refunded to MDHHS. Blue Cross Complete shall however, make reasonable attempts to transfer care of patients terminated from the Plan to other providers. 75 13.03 LOSS OF ELIGIBILITY Blue Cross Complete will request disenrollment of Member from MDHHS if the Member is no longer eligible for coverage under the contract as specified in Section 3, Eligibility. 13.04 CESSATION OF OPERATIONS In the event of cessation of operations or dissolution of Blue Cross Complete, this Certificate may be terminated immediately by order of proper authority. Blue Cross Complete may be obligated for services as prescribed by law or proper order. 14. Benefits 14.01 Members are entitled to receive the services described herein in accordance with all terms and conditions of this Certificate. Blue Cross Complete primary care physicians are responsible for providing or arranging for care to Blue Cross Complete Members, except as otherwise stated in this Certificate. When necessary, the Member’s primary care physician will refer a Member for care to a specialist. Usually, the specialist will also participate with Blue Cross Complete. Blue Cross Complete shall have no liability or obligation for any benefits received by Members from any other physician, hospital or organization unless requested in advance by the primary care physician or prior authorized by Blue Cross Complete, except as otherwise stated in this Certificate. Certain exceptions apply (e.g., emergency services, routine obstetrical and gynecological services). If you have not chosen a Blue Cross Complete pediatrician to be your child’s PCP and want to take your child to a Blue Cross Complete pediatrician for general pediatric services, you can do so without a referral. Blue Cross Complete may re-assign that pediatrician to be your child’s PCP. You don’t pay for services covered by Blue Cross Complete, as long as they are medically necessary and arranged by your PCP. The following is a list of those services, which are also listed in the Handbook: • Blood lead testing for members under age 21 • Breast cancer services – services to treat breast cancer as required by federal and state women’s health and cancer protection acts, including diagnostic, outpatient treatment and rehabilitative services • Chiropractic services • Diagnostic laboratory, X-ray and other imaging services • Doctor office visits • Emergent and urgent care services • Family-planning services • Health education – disease management programs • Hearing examinations for all members and hearing aids for members under age 21 • Home health services and skilled nursing home services, when medically necessary (You can use these after you leave the hospital or instead of going to the hospital. Your primary care physician will help you arrange these services.) • Hospice services (if you request) • Hospital services requiring an overnight stay These include: – Cost of a semi-private room (sharing a room with one other person) – Intensive care nursing services – Doctor services – Surgical services – Anesthesia (medication to relax or put you to sleep before surgery) –X-rays – Laboratory services • Medical equipment and supplies, durable • Mental health services – short term, up to 20 outpatient visits per year • Midwife services – when provided by a certified nurse midwife • Nurse practitioner services – when provided by a certified pediatric or family nurse • Out-of-network services – when authorized by Blue Cross Complete, except as otherwise stated in this Certificate • Parenting and birthing classes • Physical exams – routine or annual physical exams • Podiatric (foot specialist) services, when medically necessary • Practitioner services – such as those provided by physicians and specialists • Pregnancy care – including prenatal and postpartum care (before and after birth) • Prescriptions and pharmacy services • Prosthetics and orthotics • Rehabilitative or restorative services – intermittent or short term, in a nursing facility for up to 45 days • Rehabilitative or restorative services in a place of service other than a nursing facility • Renal disease services – end stage • Sexually transmitted disease treatment • Smoking and tobacco cessation treatment, including drugs and behavioral support (tobacco quit program) • Specialist visits • Surgical services – not requiring an overnight hospital stay • Therapy – physical, speech and language, occupational • Transplant services • Transportation – by ambulance and other emergency medical transport • Transportation – to nonemergency covered medical services • Vaccinations (Covered vaccinations do not require prior authorization if provided by local health departments.) • Vision – routine services • Weight-reduction services – if medically necessary • Well-baby and well-child care – Early Periodic Screening Diagnosis and Treatment Program for persons under age 21 Your primary care physician can help you get the Blue Cross Complete services you need. Customer Service can also answer questions about your benefits. 76 77 Appendix A Part 1: Schedule of Benefits Coverage under this Certificate is available for only those services and benefits provided or arranged by the primary care physician and authorized as necessary by Blue Cross Complete. Certain exceptions apply (e.g., emergency services and routine obstetrical and gynecological services). Only services that are medically necessary according to generally accepted standards of practice as determined by the Blue Cross Complete Medical Director or his or her designee are considered benefits under this Certificate. Blue Cross Complete will only pay for covered services. A-1. Professional services GENERAL CONDITIONS Physician and consultation services provided or arranged by the primary care physician are covered under this section. Certain exceptions apply; (see emergency services and routine obstetrical and gynecological services). Covered professional services include: A-1.01 Office visits provided by the Member’s primary care physician or a specialist to whom a Member is referred by the primary care physician. A-1.02 Routine and periodic age/gender specific examinations by the Member’s primary care physician. A-1.03 Women have open access to contracted obstetricians and gynecologists for annual, wellwoman exams and other routine gynecological and obstetrical services. If routine services identify a need for ongoing care, a Member must obtain a referral from her primary care physician prior to seeking ongoing services from a specialist. A-1.04 Pediatric care including well-child care, diagnosis and treatment of illness and injury, and services provided by the Early and Periodic Screening Diagnosis and Treatment Program (EPSDT) as defined by MDHHS. A well-child examination may include: • • • • • • • • • • A health and developmental history A developmental and behavioral assessment Age-appropriate physical examination Height and weight measurements and age-appropriate head circumference Blood pressure testing for children aged 3 and older Immunization review and administration of appropriate immunizations Health education including anticipatory guidance Nutritional assessment Hearing, vision, and dental assessments Lead toxicity screening for children ages 1 to 5, with blood sample testing for lead levels as indicated, and all related follow-up services • Tuberculin testing and related laboratory services • An interpretive conference and appropriate counseling for parents/guardians The following EPSDT program services are also covered: • Diagnosis and treatment for defective vision, including glasses • Relief of dental pain and infections, restoration of teeth and maintenance of dental health • Diagnosis and treatment for hearing defects, including hearing aids • Health care, diagnosis, treatment or other services to correct or improve defects, physical or mental illnesses and conditions discovered during a screening 78 If you have not chosen a Blue Cross Complete pediatrician to be your child’s PCP and want to take your child to a Blue Cross Complete pediatrician for general pediatric services, including well-child care, you can do so without a referral. Blue Cross Complete may re-assign that pediatrician to be your child’s PCP. A-1.05 Pediatric and adult immunizations in accordance with accepted medical practice. A-1.06 Surgery during inpatient hospital admission or ambulatory surgery as provided or arranged for by the primary care physician or specialist. A-1.07 Hospital visits as part of the continued supervision of covered care. A-1.08 Physician or health professional services including those of anesthesiologists, pathologists, radiologists, and other medical specialists as may be required. A-1.09 Services for diagnostic evaluation and assessment of infertility are covered, but limited to techniques and procedures approved by Blue Cross Complete. In-vitro fertilization, artificial insemination, intrauterine insemination, reversal of voluntary sterilization, and treatment for infertility are excluded. A-1.10 Family planning services such as contraception counseling and associated physical exams and procedures are covered. Contraceptive devices/drugs are covered. Condoms may be obtained 12 at a time (36 per month maximum) from a family planning services provider or contracted pharmacy. Members may self-refer to family planning clinics for family planning services. A-1.11 Adult sterilization procedures when performed by a Blue Cross Complete participating provider. Primary care physician referral is required. Sterilization reversals are excluded. A-1.12 Abortion is covered if medically necessary to save the life of the mother. Elective abortions are not covered unless the pregnancy is the result of rape or incest, and requires referral by the primary care physician. Treatment for medical complications occurring as a result of an elective abortion is covered. Treatment for spontaneous, incomplete or threatened abortions and for ectopic pregnancies is covered. A-1.13 Physician services for prenatal and postpartum care are covered. Members may self-refer to a Blue Cross Complete-contracted obstetrical provider or obstetrician/gynecologist (OB-GYN) for routine obstetrical services. Routine obstetrical services include prenatal care and related obstetric services for uncomplicated (low-risk) pregnancies. During pregnancy, travel restrictions may apply to coverage of deliveries at the discretion of the physician or approved Plan obstetrician/gynecologist. A-1.14 Statement of Rights Under the Newborns’ and Mothers’ Health Protection Act Under federal law, health insurance issuers such as Blue Cross Complete generally may not restrict benefits for any hospital length of stay in connection with childbirth for the mother or newborn child to less than 48 hours following a vaginal delivery, or less than 96 hours following a delivery by cesarean section. However, Blue Cross Complete may pay for a shorter stay if the attending provider (e.g., your physician, nurse midwife, or physician assistant), after consultation with the mother, discharges the mother or newborn earlier. In addition, under federal law, issuers may not set the level of benefits or out-of-pocket costs so that any later portion of the 48-hour (or 96-hour) stay is treated in a manner less favorable to the mother or newborn than any earlier portion of the stay. In addition, an issuer may not, under federal law, require that a physician or other health care provider obtain authorization for prescribing a length of stay of up to 48 hours (or 96 hours). However, to use certain providers or facilities, or to reduce your out-of-pocket costs, you may be required to obtain precertification. For information on precertification, contact Blue Cross Complete. A-1.15 RECONSTRUCTIVE SURGERY/PROCEDURES Reconstructive surgery is performed on the body in order to improve/restore bodily function or correct deformities resulting from disease, trauma, congenital or 79 developmental anomalies or previous therapeutic processes. Any such procedures must be recommended by the Member’s primary care physician and prior authorized by Blue Cross Complete in order to be covered benefits, except as otherwise stated in this Certificate. Blue Cross Complete provides coverage for established, medical necessary diagnostic, outpatient treatment and rehabilitative services to diagnose and treat breast cancer, as well as the below listed services following a medically necessary mastectomy: • • • • Reconstruction of the breast; Surgery on the other breast to achieve the appearance of symmetry; Prostheses; and Treatment of physical complications during any stage of the mastectomy, including lymphedemas. A-2. Hospital services Inpatient hospital services and ambulatory surgery are covered services when: • Admission is ordered by the primary care physician and authorized by Blue Cross Complete; and • Admission occurs on or after the effective date of this Certificate. A-2.01 Room and board in a semi-private room. A-2.02 Private room accommodations only when deemed medically necessary by the Member’s attending physician. A-2.03 All covered services deemed medically necessary by the attending physician. A-2.04 Delivery and postpartum care. A-2.05 Use of special care units, including specialized intensive and coronary care units, when deemed medically necessary; and operating or other surgical treatment rooms. A-2.06 Anesthesia, laboratory, and pathology services. A-2.07 Chemotherapy, antineoplastic drug therapy as required by Michigan law, and hemodialysis. A-2.08 Diagnostic tests performed in the hospital in conjunction with the Member’s ambulatory surgery or admission to the hospital. A-2.09 Oxygen and gas therapy, drugs and biological solutions, medical and surgical supplies and equipment, and radioisotopes while in the hospital. A-2.10 Special diets; radiation therapy, physiotherapy, respiratory therapy, physical, occupational, speech therapy, and other forms of professional therapies while in the hospital. A-2.11 Whole blood and blood products, including their administration. Fees incurred for voluntary blood giving in autologous transfusion programs are covered. A-2.12 In-hospital professional care covered services of health professionals, including any medical specialist whose services are covered and deemed medically necessary and ordered by the Member’s primary care physician and/or attending physician. • Serious impairment to bodily functions, or • Serious dysfunction of any bodily organ or part. Further, emergency services means covered inpatient and outpatient services that are as follows: • Furnished by a provider that is qualified to furnish these services under this title. • Needed to evaluate or stabilize an emergency medical condition. Poststabilization care services means covered services, related to an emergency medical condition that are provided after a Member is stabilized in order to maintain the stabilized condition, or, to improve or resolve the enrollee’s condition. Examples of emergency conditions might include but are not necessarily limited to: unusual chest pain or problem breathing; puncture wound or nonstop bleeding; suspected fracture or broken bone; severe bites, burns or blows to the head; and sudden loss of strength or sensation in arms or legs. Referrals or prior authorization are not required for emergency care. Members may go to any emergency facility. A-3.02 Procedure: If the Member considers his or her condition to be so serious or life threatening that delay in seeking treatment might cause death, severe injury or serious impairment, the Member should call 911 or seek help from the nearest medical facility as soon as possible. If possible, it is also recommended that the Member attempt to contact his or her primary care physician for medical advice. A Member who is unable to reach his or her primary care physician may contact the Blue Cross Complete after hours call line for assistance at 1-800-228-8554, available 24 hours a day, seven days a week. Blue Cross Complete strongly recommends that the Member contact his or her primary care physician within 24 hours after seeking emergency services (or as soon as possible if circumstances make 24 hours impossible) to arrange for additional follow-up medical care. All follow-up care after an emergency must be provided or arranged by the Member’s primary care physician. Follow-up care as a result of an emergency is considered routine scheduled care that must be coordinated with the Member’s primary care physician. A-3.03 Ambulance/Emergency Transportation: When necessitated by a need for emergency services as defined above, appropriate ambulance transportation to the nearest hospital where emergency care and treatment or other necessary services can be provided is a covered benefit. A-3.04 Transportation: When medically necessary nonemergent transportation is provided to members to obtain covered services according to Michigan Department of Human Services guidelines. A-3.05 Transfers: Ambulance transportation between hospitals when authorized by Blue Cross Complete shall be covered. When a Member receives medical care from a nonparticipating hospital or facility, Blue Cross Complete may require a Member to be transferred from the nonparticipating hospital or facility to a participating hospital when the Member’s medical condition permits. A-4. Diagnostic and therapeutic services and tests A-3. Emergency services and related services A-3.01 Definition: Medically necessary services provided to an enrollee for the sudden onset of a medical condition that manifests itself by acute symptoms of sufficient severity, including severe pain, such that the absence of immediate medical attention could reasonably be expected to result in: • Serious jeopardy to the health of the individual or in the case of a pregnant woman, the health of the woman or her unborn child, 80 A-4.01 Diagnostic and therapeutic laboratory, pathology and radiology services and other procedures for the diagnosis or treatment of disease, injury, or medical condition are covered when ordered by the Member’s physician and/or arranged by Blue Cross Complete. Limited psychological testing shall be covered under this section for purposes of assessing developmental status and/or as an outcome measure related to rehabilitation. 81 A-4.02 Certain genetic assessment services are covered but limited to techniques and procedures approved by Blue Cross Complete. A-4.03 Allergy tests, treatment, and injections are covered. A-5. Home health services A-5.01 Home health services will be provided to Members who are homebound as a result of illness or injury. Services must be provided or arranged by the Member’s primary care physician or designee, prior authorized by Blue Cross Complete and be provided by a Blue Cross Complete contracted provider. Treatment must be intermittent. Covered home health care services include: Home care nursing services by a registered professional or licensed practical nurse; skilled care by a registered professional nurse or a licensed practical nurse, physical therapist, occupational therapist, speech therapist. Home health aides are covered in conjunction with other skilled home care needs. Personal care or home help services are not covered. Drugs and biological solutions, surgical dressings and related medical supplies used during home health care visits considered medically necessary for the proper care and treatment of the Member’s condition will be covered. A-6. Equipment to support home care A-6.01 Equipment to support home care treatment as an alternative to hospital care may be covered when medically necessary as defined in this Certificate. Equipment included under this section must be hospital equipment (e.g., ventilators, dialysis equipment, infusion pumps), monitors, and other items that are used in the home as an alternative to hospital care and must require daily technical or professional supervision. Equipment or items under this section must be obtained through a Blue Cross Complete approved provider and ordered by the Member’s primary care physician or his or her designee and authorized by Blue Cross Complete. A-7. Physical, occupational, and speech services A-7.01 Restorative or rehabilitative physical, occupational, and speech therapy in an outpatient facility is covered up to 36 visits within a 90 consecutive day period when ordered by a Blue Cross Complete physician and authorized by Blue Cross Complete. Outpatient physical and occupational services are covered up to 24 visits within a 90 consecutive calendar period when provided in the home and ordered by a Blue Cross Complete physician and authorized by Blue Cross Complete. A-8. Cardiac rehabilitation services A-8.01 Short-term cardiac rehabilitation therapy, when ordered by the primary care physician or his or her designee, authorized by the Blue Cross Complete Medical Director and provided by a participating provider, is a benefit under this Certificate. A-9. Patient counseling and education A-9.01 A limited number of visits for nutritional counseling provided by a registered dietitian are covered when ordered by the Blue Cross Complete primary care physician. Members diagnosed with chronic renal insufficiency, hyperlipidemia, hypertension, heart failure, or obesity (with BMI of 35 or more for adults or with BMI-for-age of more than 85th percentile for children ages 2-18) are covered for up to four visits per calendar year. Members diagnosed with diabetes or pre-diabetes are covered for up to six visits per calendar year. Members with gestational diabetes are covered for up to four visits per pregnancy. Members with any combination of the above conditions are covered for up to four visits per calendar years (six visits if one of the conditions is diabetes or pre-diabetes). 82 A-10. Skilled nursing facility A-10.01 Short-term restorative health services up to 45 days within a 12-month rolling period from initial admission of skilled care provided in a nursing home setting are covered benefits if medically necessary and arranged and authorized by Blue Cross Complete. Long-term custodial care is not covered. Individuals receiving long term custodial care, as determined by MDHHS, will be disenrolled. Skilled nursing home visits by physicians as part of the continued supervision of care are covered. The Member must require skilled care on a daily basis and, as a practical matter, considering economy and efficiency, the daily skilled care services can be provided only in a skilled nursing facility. Custodial care is not a covered benefit under this section. Ambulance transportation between skilled nursing facility and hospital when authorized by Blue Cross Complete is covered. A-11.Hospice A-11.01 Hospice care services shall be a covered benefit when requested by the Member and arranged and authorized by Blue Cross Complete. Included in this coverage is the room and board component of the hospice benefit when provided in a nursing home or hospital. Members who have elected the hospice benefit will not be disenrolled after 45 days in a nursing home as otherwise permitted by MDHHS. A-11.02 Members under 21 years of age may receive hospice care concurrently with curative treatment of the Member’s terminal illness. This allows the Member or Member’s representative to elect the hospice benefit without forgoing any curative service to which the Member is entitled under Blue Cross Complete for treatment of the terminal condition. The need for hospice care must be certified by a physician and the hospice medical director. Blue Cross Complete will reimburse for the curative care separately from the hospice services. Blue Cross Complete will not reimburse for these types of treatments when they are used palliatively. As such they are the responsibility of the hospice and must be included in the per diem cost. A-12. Hearing examination and hearing aids A-12.01 Hearing examinations to determine whether a hearing problem exists are a covered benefit for members. Services provided under this section are covered when medically necessary and in accordance with Medicaid requirements. Services must be ordered by the Member’s primary care physician and provided by a participating audiologist. A-12.02 Hearing aids are covered for members under age 21. When a hearing aid is recommended following a hearing examination conducted while a Member of Blue Cross Complete, the following is covered for each Member once each fifth benefit year: • Hearing aid examination to evaluate the Member for the specific type or brand of hearing aid needed; • For members under age 21, one single hearing aid unit (or one per ear if medically necessary) including earphone (receiver or oscillator), ear mold, necessary cords, tubing, and connections. The hearing aid unit must be a conventional amplification device. It must also be an in-the-ear, behind-the-ear or on-the-body type, and identified as basic to the Member’s amplification requirements; • Fitting of the hearing aid including one follow-up visit to evaluate the performance of the hearing aid and determine its conformance to prescription; and • For all members, batteries, maintenance, and repair for hearing aids are covered. A-12.03 Payment: The amount that would be paid by Blue Cross Complete for a conventional hearing aid unit may be applied toward an upgraded aid, if desired by the Member. 83 A-13. Durable medical equipment, prosthetics and orthotics A-13.01 Services provided under this section are covered when medically necessary and in accordance with Medicaid requirements. Equipment or devices under this section must: • Meet established Blue Cross Complete medical necessity screening criteria, and be appropriate for use in the home, • Be ordered by a Blue Cross Complete-contracted physician, • Be authorized by Blue Cross Complete, and • Be obtained through a Blue Cross Complete-contracted DME provider. A-13.02 Prosthetic devices which aid body functioning or replace a limb or body part, including breast prostheses after mastectomy, and their fitting are covered benefits. Replacement prostheses needed because of growth or normal wear are also a covered benefit. Wigs, prosthetic hair, or hair transplants are not covered benefits. Orthotic devices used to correct a defect of body form or function are covered benefits. Orthotics, used for stabilization due to medical reasons having the potential to functionally benefit members, are covered benefits. Over-the-counter or custom-fitted braces are not covered benefits. Prosthetic and orthotic (P&O) equipment or devices under these sections must: • Meet established Blue Cross Complete medical necessity screening criteria, • Be ordered by a Blue Cross Complete contracted physician, • Be authorized by Blue Cross Complete, and • Be obtained through a Blue Cross Complete contracted P&O provider. A-13.03 Blue Cross Complete reserves the right to require use of the least costly medically effective DME and prosthetic or orthotic devices. A-14. Disposable medical items and other medical supplies A-14.01 Services provided under this section are covered when medically necessary and in accordance with Medicaid requirements. Covered disposable medical items include urological and ostomy supplies, peak flow meters, alcohol wipes, Betadine, and diabetic supplies. Medical supplies in conjunction with home health care are also covered. Such items are covered when ordered by a contracted physician, authorized by Blue Cross Complete and obtained through a Blue Cross Complete contracted provider. A-14.02 The diabetic management supplies listed below are covered when medically necessary and in accordance with Medicaid requirements. • Insulin needles and syringes. • Lancets, test strips, and control solutions. • Urine strips when medically indicated. • Blood glucose monitors and batteries. • External insulin pumps and insulin pump supplies for diabetic patients who on the basis of blood tests are determined not producing insulin themselves. A-15. Special provisions applicable to organ and tissue transplants A-15.01 Services provided under this section are covered when medically necessary and in accordance with Medicaid requirements. Organ and tissue transplants which are not considered to be experimental as defined in this Certificate and performed at a Blue Cross Complete contracted facility will be considered on a case-by-case basis when: These types of transplants include: kidney transplants, small bowel transplants, heart transplants, heart-lung transplants, lung transplants, pancreas transplants, cornea transplants, liver transplants, and bone marrow transplants. Organ and tissue transplant procedures, which are considered experimental by Blue Cross Complete, are excluded. Blue Cross Complete will pay for the hospital, surgical, laboratory, and X-ray services incurred by a nonmember donor for an authorized transplant to a member unless the donor has coverage for such expenses. Blue Cross Complete will not cover donor expenses for a nonmember recipient. A-16. Health services by nonplan providers A-16.01 Health services rendered by non-plan providers must be requested in writing in advance by the Member’s primary care physician and authorized in writing in advance by the Blue Cross Complete Medical Director, except as otherwise stated in this Certificate. A-17. Mental health services A-17.01 Treatment for short-term mental health conditions is covered under this Certificate when determined by Blue Cross Complete’s Behavioral Health department to be medically necessary and within the scope of this Certificate. Coverage includes up to 20 days of mental health outpatient visits when consistent with Medicaid rules. Services must be authorized by the Blue Cross Complete Behavioral Health department, and provided by a contracted individual or agency. The member may call Blue Cross Complete Customer Service for assistance in finding a provider or contact a contracted mental health provider directly. A-17.02 Outpatient mental health service for crisis intervention and short-term therapy is covered as determined by the Blue Cross Complete Behavioral Health department and not to exceed a maximum of 20 outpatient visits per benefit year. The benefit is not intended to support long-term psychotherapy. A-18. Oral surgical services A-18.01 The Member is covered for the following oral surgical services: • Emergency surgery of the jaw or maxillofacial area due to trauma, accident or injury; • Diagnosis and treatment of cysts, and benign and malignant tumors of the maxilla, mandible and adjacent structures; • Hospital and medical expenses for extractions, which must be performed in a hospital as a result of an underlying critical medical condition; and • Medically necessary medical or surgical, but not dental, management of internal derangements of the jaw as determined by the contracted physician and authorized by Blue Cross Complete. A-19. Oral health screening and fluoride varnish A-19.01 As part of the well-child visit (EPSDT), the member is covered for an oral health screen at age 12 months and will be referred to a dentist if dental care is needed. Fluoride varnish treatments for children up to age three (0-35 months) are covered. Fluoride may be applied to teeth up to four times a year. • Blue Cross Complete medical necessity screening criteria are met, • Recommended by a transplant committee at a Blue Cross Complete contracted provider, and • Approved by Blue Cross Complete’s Medical Director. 84 85 Part 2: Schedule of limitations and exclusions A-20. Chiropractic services A-20.01 When considered medically necessary and provided by a contracted provider, chiropractic coverage is limited to: • Manual spinal manipulation and • Radiological (X-ray) services provided by a chiropractor, limited to no more than one set of X-rays of the spine per year. The maximum number of visits covered by Blue Cross Complete is 18 visits per year. Additional visits require prior authorization. A-21. Vision A-21.01 Routine eye examinations by a Blue Cross Complete-affiliated vision care provider to determine the need for vision correction are covered. One exam is covered every two years. A-21.02 One pair of clear corrective lenses of any focal type, and eyeglass frames are covered at Blue Cross Complete affiliated vision providers every two years. Sunglasses are not covered. A-21.03 Replacements for eyeglasses that are lost, broken, or stolen are covered twice per year for members under age 21, and once per year for members age 21 and over. A-21.04 Contact lenses are covered if the member has a vision problem that cannot be adequately corrected by eyeglasses. A-22. Podiatry services A-22.01 Podiatry services that are medically necessary. A-23. Prescriptions drugs and medicine A-23.01 Medications that are covered when ordered by a Blue Cross Complete contracted physician are listed in the Blue Cross Complete Preferred Drug List. A-23.02 Medications covered when obtained at a Blue Cross Complete contracted pharmacy. A-23.03 Injectable insulin, insulin syringes and needles, contraceptive medications, diaphragms and IUDs are covered Blue Cross Complete benefits. A-23.04 Certain over-the-counter medicines are covered with a prescription. A-23.05 All prescriptions are limited to a 34-day supply. A-23.06 Generic substitution is required when an equivalent generic drug is available and appropriate. Prior authorization is required for coverage of brand products where a generic equivalent is available. A-23.07 Prior authorization, quantity limits or other restrictions may be required for some medications for coverage. Excluded are services not covered by this Certificate of Coverage as described below, even when recommended by a primary care physician. Services obtained by a Member that are not approved by the primary care physician and/or authorized by Blue Cross Complete, and/or not provided by participating providers or facilities, are not covered benefits. (Certain exceptions apply; e.g., Emergency Services, Section A-3.) All nonmedically necessary related expenses in connection with excluded services and benefits are not covered. Blue Cross Complete excludes services, technology, or drugs which are experimental or which are being used for experimental purposes, including, but not limited to, those approved by the FDA for testing or study on humans. Any service, technology, or drug may not be covered by Blue Cross Complete if it is not recognized as safe and effective for its intended use, based on generally accepted medical standards. Antineoplastic drug therapy is a covered benefit in accordance with Michigan law. For more information, call Customer Service. A-24. Limited and excluded services A-24.01 DENTAL SERVICE Except as indicated in A-18, and services rendered as part of EPSDT, dental service is excluded. Some services may be covered by the state of Michigan. A-24.02 SERVICES NOT MEDICALLY NECESSARY Determination of medical necessity will be a judgment of the Blue Cross Complete Medical Director consistent with the Medicaid program requirements. Except as expressly provided herein, services which are not medically necessary are not covered under this Certificate. A-24.03 SERVICES REQUIRED BY OTHERS Except as provided in Section A-1, office visits, examinations, treatment, drug testing, employment-related examinations, and other services that are required by third parties to document health status or for other required purposes are not benefits. A-24.04 ELECTIVE COSMETIC SURGERY/PROCEDURES Cosmetic surgery, procedures, and medications designed to reshape the body or alter the appearance, are excluded. This includes, but is not limited to, elective rhinoplasty, spider/varicose vein repair, elective breast reconstruction, and radial keratotomy. Cosmetic alteration done simultaneous to surgery for a medical condition is also excluded unless determined medically necessary by Blue Cross Complete. Hair transplants are not a covered benefit. A-24.05 CUSTODIAL OR DOMICILIARY CARE Custodial or domicillary care is excluded. A-24.06 PRIVATE DUTY NURSING SERVICES Private duty nursing services are excluded. A-24.07 NONMEDICAL SERVICES Nonmedical services such as on-site vocational rehabilitation and training or work evaluations, home or worksite environmental evaluations, or related employee counseling are excluded. A-24.08 EXPERIMENTAL/INVESTIGATIONAL DRUGS, PROCEDURES OR EQUIPMENT All experimental/investigational drugs, procedures or treatment are excluded. 86 87 A-24.09 OTHER NONSTANDARD MEDICAL PROCEDURES Procedures and treatments which are not considered standard practice by Blue Cross Complete or which are primarily educational in nature are not covered, e.g., biofeedback, acupuncture, hypnosis, PMS, dyslexia, caregiver training programs; extended behavior modification programs for chronic mental illness; exercise programs, etc. A-24.10 PERSONAL AND CONVENIENCE ITEMS Personal and convenience items are excluded. A-24.11 OTHER COVERAGES Treatment is excluded for any injury or sickness on which and to the extent any benefit settlements, benefit payments, awards, or damages are received or payable under Worker’s Compensation, any insurance plan, or state or federal legislation, Community Mental Health Agencies or other third party payer. A-24.12 MENTAL HEALTH Coverage of treatment for chronic mental health is excluded, in the absence of an acute episode. Long-term psychotherapy is not a benefit. Partial hospitalization in a day-or-night care program is not covered. Inpatient psychiatric care is not covered. Court ordered examinations to determine competence and expenses of expert witness testimony as to the mental condition of a Member are excluded. A-24.13 SUBSTANCE ABUSE SERVICES Substance abuse services (including substance abuse treatment drugs) are not covered benefits for Members through Blue Cross Complete. Substance abuse services are available to Members through their local substance abuse coordinating agencies. If you need assistance in contacting your local substance abuse coordinating agency, please contact Customer Service. A-24.14 REPRODUCTIVE SERVICES Reversal of voluntary sterilization, including tubal reanastamosis, is not a benefit. Services for treatment of infertility are not covered. Assisted Reproductive Technologies (ART) including, but not limited to: artificial insemination, intrauterine insemination, in vitro fertilization, gamete intrafallopian transfer (GIFT), zygote intrafallopian transfer (ZIFT), donor egg/donor sperm programs, cryology, micromanipulation, and any related diagnostic and therapeutic services unique to these technologies are excluded from coverage. A-24.15 TRANSSEXUAL SURGERY A-24.18FORMS Physician and professional staff time required for the completion of forms unrelated to medical care provided is excluded. A-24.19 CHARGES FOR MISSED OR NO-SHOW APPOINTMENTS Fees imposed by a health care facility for a missed or no-show appointment are not covered by Blue Cross Complete and are the financial responsibility of the patient. A-24.20 ROUTINE FOOT CARE Podiatry services that are not medically necessary. A-24.21 VISION SERVICES Not covered except as indicated in A-21. A-24.22 SPECIAL FOOD AND NUTRITIONAL SUPPLEMENTS Food and food supplements are not covered, except for enteral feedings when they are the sole means of nutrition or when used as part of the Maternal Infant Health Program (MIHP). A-24.23 DURABLE MEDICAL EQUIPMENT, PROSTHETICS, AND ORTHOTICS Excluded from coverage are: replacement and/or repair of any covered item due to misuse, loss or abuse; experimental items; comfort and convenience items such as, but not limited to, over-bed tables, electric heat pads, exercise equipment, adjusta-beds, air conditioners or purifiers, whirlpools, and elevators. Also excluded under this section are any durable medical equipment, prosthetics and orthotics excluded from coverage by MDHHS. A-24.24 SECOND OPINIONS Members may obtain a second opinion about treatment or procedures recommended by a Blue Cross Complete participating physician. Second opinions about treatment or procedures recommended will be considered on a case-by-case basis, requires authorization by the Blue Cross Complete Medical Director, and must be provided by a physician approved by Blue Cross Complete. A-24.25 PHYSICAL EXAMINATIONS REQUIRED FOR SCHOOL, CAMP, OR MARRIAGE LICENSE APPLICATIONS Physical examinations for school, for camp registration, or in connection with a marriage license application are excluded. A-24.26 ELECTIVE ABORTIONS Sex-transformation surgery and all expenses in connection with such surgery are not covered benefits. A-24.16 AUTOMOBILE ACCIDENTS Benefits are not provided for services for treatment of any automobile related injury for which the Member’s health care expenses are covered under an automobile insurance policy (see Section 11). A-24.17 WEIGHT REDUCTION Commercial or medical programs solely for weight reduction and control are not covered. Limited coverage is available when treatment of obesity is for the purpose of controlling life-endangering complications such as hypertension and diabetes. If conservative weight control measures have failed, other weight reduction efforts may be approved. The Member’s physician is required to obtain prior authorization from Blue Cross Complete. 88 Elective abortions are not covered unless the pregnancy is the result of rape or incest, and requires referral by the primary care physician. Treatment for medical complications occurring as a result of an elective abortion is covered. A-24.27 SELECT PRESCRIPTION DRUGS Blue Cross Complete does not provide coverage for certain types of medications and medical supplies. The following drugs are not provided through Blue Cross Complete: • Drugs that require prior authorization, but are not prior authorized by Blue Cross Complete • Drugs used to promote smoking cessation that are not on the Michigan Pharmaceutical Product List (MPPL) • Over-the-counter drugs that are not on the MPPL • Vitamins and mineral combinations unless prescribed for end stage renal disease, pediatric fluoride supplementation or prenatal care 89 Mackinac Dickinson • • • • • • • • • • • • • • • • • • • • • • Drugs used for the symptomatic relief of cough and colds Cosmetic drugs or drugs used for cosmetic purposes Drugs used for infertility Drugs used for sexual dysfunction Drugs used to treat gender identity conditions, such as hormone replacement Drugs used for the treatment of substance abuse Drugs used for anorexia or weight loss (unless authorized) Food supplements and standard infant formulas Drugs that are not approved by the FDA Drugs used for experimental or investigational purposes Drugs prescribed specifically for medical studies Prescriptions filled after you are no longer a Blue Cross Complete member Prescriptions that provide more than a 34-day supply beyond your termination date Drugs included as a health care benefit, such as vaccines and other injectable drugs that are normally administered in a physician’s office Drugs covered by another plan, including Medicare Part D New drugs not yet added to the formulary Drugs recalled by the labelers, and drugs discontinued past one year ago Drugs acquired without cost to the providers or included in the cost of other services or supplies Drugs used for HIV or AIDS (coverage is provided by the state of Michigan) Drugs used for certain types of mental illness (coverage is provided by the state of Michigan) Compounded products that contain bulk powders (unless authorized) Prescriptions that have been adulterated or are fraudulent Some drugs provided by the state of Michigan are not covered by Blue Cross Complete. Members may refer to michigan.fhsc.com for more information about these drugs. • Drugs used for HIV or AIDS • Drugs used for seizure disorders • Drugs used for sleep disorders • Drugs used for mental health A-24.28 LAW ENFORCEMENT CUSTODY Care rendered while the Member is in the custody of law enforcement officials, except for off-site inpatient hospitalization consistent with MDHHS policy, are excluded. A-24.29 ILLEGAL SERVICES Services that are illegal are excluded. A-24.30 COURT RELATED SERVICES Delta Emmet Menominee Cheboygan Presque Isle Service Area Charlevoix Montmorency Alpena Grand Kalkaska Crawford Oscoda Benzie Traverse Alcona Manistee Wexford MissaukeeRoscommon Ogemaw Iosco Antrim Otsego Leelanau Mason Osceola Lake Clare Gladwin Arenac Huron Oceana Newaygo Mecosta Isabella Midland Bay Montcalm Gratiot Muskegon Ottawa Allegan Kent Genesee ShiaClinton wassee Ionia Barry Saginaw Tuscola Eaton Van Kalamazoo Calhoun Buren Washtenaw Wayne Pretrial or court testimony and the preparation of court related reports are excluded. Berrien Cass St. Joseph Branch Hillsdale 90 Lapeer Ingham Livingston Oakland Jackson Lenawee Monroe Sanilac St. Clair Macomb Return Mail Processing Center PO Box 018 Essington, PA 19029-0018 Blue Cross Complete of Michigan LLC is an independent licensee of the Blue Cross and Blue Shield Association. WP 7331 JAN 16 MH-01/Rev12/2/15 R047859