Spring 2015 - Cloudfront.net
Transcription
Spring 2015 - Cloudfront.net
S P R I N G 2015 Look inside! ■■ New for 2015: employer Health Care Reform fact sheets page 4 ■■ Specialty prescription drugs and health care costs page 10 How to reach us The answers to most of your questions can be found on our website at bcnepa.com. If you have a question about your coverage, just call or email our Group Benefits Administrator (GBA) Team. We’re here to help you, weekdays, between 8 a.m. and 5 p.m. About Benefits Bulletin Editor Ann Poepperling Benefits Bulletin is published semiannually for Blue Cross of Northeastern Pennsylvania employers. This material is not intended as medical advice. Please talk to your doctor about this and any health information. BlueCare® HMO Plans: This managed care plan may not cover all your health care expenses. Read your contract carefully to determine which health care services are covered. 1.800.822.8753 Please note that self-funded group benefits may be different from the benefits and services described here. Check your Summary Plan Description for complete details of your program. Blue Cross of Northeastern Pennsylvania administers health insurance plans offered by Blue Cross of Northeastern Pennsylvania, Highmark Blue Shield, First Priority Health® and First Priority Life Insurance Company®. Page 2 n bcnepa.com GBA team Logon to our Self-Service site and select Message Center. Or call 1.866.GBA.TEAM (1.866.422.8326), 570.200.6868 (Fax) BlueCare Traditional 1.800.829.8599 1.866.280.0486 (TTY) BlueCare HMO, BlueCare HMO Plus 1.800.822.8753 1.800.413.1112 (TTY) BlueCare PPO, BlueCare QHD PPO 1.888.338.2211 1.866.280.0486 (TTY) BlueCare Custom PPO, BlueCare QHD Custom PPO, BlueCare EPO and AffordaBlueSM 1.888.345.2346 1.866.280.0486 (TTY) In-network providers View a list of in-network providers on our website. To learn more about your plan’s network, select your health insurance plan on My Insurance Plan and click on Your Network Map. Blue Health SolutionsSM Visit our Health & Wellness website. Prescription drug benefit Express Scripts Customer Service Call Center 1.877.603.8399, anytime. Or, visit our website or Express-Scripts.com to find an in-network pharmacy. Vision coverage 1.800.406.1324, weekdays, between 8 a.m. and 5 p.m. Or, visit our website or davisvision.com to find an in-network provider. Dental coverage 1.800.332.0366, weekdays, between 8 a.m. and 8 p.m. Or, visit our website or UCCI.com to find an in-network provider. Wellness & Lifestyle, Health Management programs and Life-Balance Resources 1.866.262.4764, weekdays, 8 a.m. to 8 p.m. 1.877.720.7771 (TTY) Case Management programs 1.800.346.6149, weekdays, 8 a.m. to 8 p.m. 1.877.720.7771 (TTY) 24/7 Nurse Now 1.866.442.2583, anytime Discount program Visit the Blue365 website for a full list of discount programs, or call Customer Service. BlueCare FSA, HRA and HSA health care funding accounts 1.877.825.2065, anytime. Or logon to healthequity.com and click on the Employers tab. Table of contents Health Care Reform 4 New for 2015: employer Health Care Reform fact sheets News 5 Guthrie Robert Packer Hospital recognized for excellence 6 Preventive health reminders for women 6 Employer Manual: updated for 2015 7 ICD-10: change to new coding system an ongoing process Care delivery Join the conversation 10 At-home sleep studies need prior approval Like Blue Cross of Northeastern Pennsylvania’s Facebook page and stay up to date on topics about your health, our community and life in northeastern and north central Pennsylvania. For more information, visit facebook.com/BCNEPA. 8 Wide cost variations for knee and hip replacement 10 Specialty prescription drugs and health care costs Benefits 11 Home delivery: convenient, safe and cost effective 12 Summary of Contract/Policy changes 12 Medical policy updates available online 13 Blue Cross of Northeastern Pennsylvania’s multi-tier formulary changes Services 17 New and improved group reporting tool 17 Online resources can help manage your plan 18 Authorization forms help protect your privacy Small business? Big savings! If your business has fewer than 25 full-time and full-time equivalent employees, you may be eligible for the small business health care tax credit, saving you up to 50% of your premium contributions! If you qualify, we can help you enroll in a Blue health insurance plan through the SHOP (Small Business Health Options Program) Marketplace. Learn more on our Employer Education Center. Small Bu siness Hea lth Care Ta x Credit ov erview If you hav e fewer tha n 25 full-tim for a tax credit wo e and full rth up to 50% of you -time equivalent employee r premiu Am I eligib s, you ma m costs! y le for the Health Ca re Tax Cre Small Business dit? To qualify for the tax credit, you • Have less must: than 25 full-t ime and full-t • Have aver ime equivale age salaries nt employe of $50,000 es • Pay at leas per year or t 50% of less premium costs for • Offer cove full-time rage to fullemploye time emp es Business loyees thro Health Opt ugh the Sma ions Prog ll ram (SHO P) Marketp lace How mu ch is the tax credit wo rth? The tax cred it is worth up to 50% contribution of an emp (up to 35% loyer’s prem for tax-exem ium pt employe rs). How do I claim the tax credit? In order to claim the tax credit, in coverage you must through the first enroll SHOP Mar Marketplace ketplace. allows you The SHOP to: • Compare plan opti ons, apply employe for coverage e participa , manage tion and Your emp pay your loyees enro premium ll online too! s online. qualify • Use your current agen t or broker new agen to help you t or broker in your area enroll, find Northeas a , work with tern Pennsyl a Blue Cros vania sale enrollme s of s professio nt yourself nal or han dle your Once enro lled in cove rage thro for the tax ugh the SHO credit whe P, n filing taxe you can app s for the year ly . How can PennsylvaBlue Cross of No rtheaste nia help? rn • Blue Cros s of Northeas tern Pennsyl Blue plan that’s righ vania can t for you. help find insurance We offer a plans for several heal small busi Marketplace th nesses on . Click on the SHOP any of thes options we e plans to offer: Blue see what Care® PPO BlueCare , BlueCare Custom PPO QHD PPO and AffordaB , • Call us lue SM now, so a sales prof How to Enro essional can ll in the SHO walk you through P Marketp Sour lace ce: Healt hcare.gov Blue Cros s of Nort heastern Pennsylva Blue Cross nia is a Qual of Northeaste Pennsylva ified Heal rn Pennsylva nia, High th Plan issue nia admi mark Blue r in the Fede nisters healt Shield, First h insurance rally Facil Priority Healt itated Mark plans offere h® and First etplace. d by Blue Priority Life Cross of North Insurance eastern Company®. © Blue Cross of Northe astern PennsyEBG118 2/15 lvania. 2015 bcnepa.com n Page 3 • health care reform New for 2015: employer Health Care Reform fact sheets Health Care Reform is here and with so much changing, it’s important to understand what you need to do as a result of the Affordable Care Act (ACA). Blue Cross of Northeastern Pennsylvania is dedicated to keeping you informed, so you can make the best choices for your business, your employees and your bottom line. Download our worksheet to help figure out if you will be considered a large or small employer in 2015. And, to make sure you’re compliant with the ACA— download the ACA Checklist for Large Employers. For more details on some of the key provisions for 2015, check out our fact sheets on the following topics: Large employers • Shared Responsibility Penalty For large employers, the biggest changes from the ACA start in 2015. This includes the Employer Shared Responsibility Requirement, a provision that requires large employers to offer affordable health insurance coverage that meets minimum value, or potentially pay tax penalties. The definition of large employer under this provision is complex, and the provision will be phased in from 2015 to 2016. • Information Reporting Worksheet Page 4 n bcnepa.com • Coverage Requirements Small employers Many small employers with a Blue Cross of Northeastern Pennsylvania health insurance plan chose to stay with their pre-ACA coverage, which hasn’t changed much. But for those considering a move to an ACA health insurance plan, you should know that the ACA changes the way Checklists health insurance is offered and what is offered to your employees. For example, small group rates for new ACA plans can vary based on only a limited number of factors, including age, tobacco use and level of coverage—and cannot be based on health status. If you are a small employer looking to offer new group coverage, your plan must include the Essential Health Benefits. Make sure you are compliant with the ACA—download the ACA Checklist for Small Employers. Blue Cross of Northeastern Pennsylvania is dedicated to keeping you informed on Health Care Reform so you can make the best choices for your company, your employees and your bottom line. Check out our Employer Education Center for ACA information, tools, news and resources designed just for you. n Fact sheets news Guthrie Robert Packer Hospital recognized for excellence Making informed decisions about health care is important to you and your employees. And we know it’s not just about finding a doctor or health care facility—it’s about finding the best care for a specific condition or need. That’s why the Blue Cross Blue Shield Association’s national Blue Distinction® program can help everyone make smarter choices when they need specialty care. Recently, Guthrie Robert Packer Hospital in Sayre, Bradford County, earned a Blue Distinction Center+ designation for its gastric stapling program, and a Blue Distinction Center designation for its gastric banding program. The program has 2 levels of recognition—Blue Distinction Centers and Blue Distinction Centers+: You can find more information about the Blue Distinction Center program—as well as a link to the nationwide listing of Blue Distinction Centers—on our website at bcnp.co/bdc. • Blue Distinction Centers have met nationally established quality care and outcomes criteria developed with input from the medical community • Blue Distinction Centers+ have satisfied the Blue Distinction criteria and have additionally met cost measures that address consumers’ needs for affordable health care Each program will be identified in the Blues’ National Doctor and Hospital Finder, and special signs will be placed at the facility to recognize this accomplishment. Please remember, your costs for care at a Blue Distinction Center depend on your health insurance plan and if the hospital is part of our local network or if it’s part of the national BlueCard® network. Be sure to check your health insurance plan documents for more information. n Blue Distinction® Centers (BDC) met overall quality measures for patient safety and outcomes, developed with input from the medical community. Blue Distinction® Centers+ (BDC+) also met cost measures that address consumers’ need for affordable healthcare. Individual outcomes may vary. National criteria is displayed on www.bcbs.com. A Local Blue Plan may require additional criteria for facilities located in its own service area. For details on Local Blue Plan Criteria, a provider’s in-network status, or your own policy’s coverage, contact your Local Blue Plan. Each hospital’s Cost Index is calculated with data from its Local Blue Plan. Hospitals in CA, ID, NY, PA, and WA may lie in two Local Blue Plans’ areas, resulting in two Cost Index figures; and their own Local Blue Plans decide whether one or both Cost Index figures must meet BDC+ national criteria. Neither Blue Cross and Blue Shield Association nor any Blue Plans are responsible for damages or non-covered charges resulting from Blue Distinction or other provider finder information or care received from Blue Distinction or other providers. bcnepa.com n Page 5 news Preventive health reminders for women Give this gu ide Research to yo A girl’s gu ur preteen or young girl ide to preventive healt h A parent’s You don’t nee d a mirro to up. Soon, you see you’re gro ’ll be a teerna wing ger. You guide to preventiv e healt for pre teens and young girls h ’ve probab ly been goi since you ng to you were a bab r doctor for y. Now the vaccination vaccination re are 3 mo s s that you re importa need to get nt before you r 13th birt Get “the hday. combo” (also called While it may Tdap) not be as exciting as drink or sna a burger pping a selfi and fries e on your a one-sho and new sma t vaccine rtphone, that will kee diseases. there is p you safe It’s called from 3 sep Tdap, but is that “the arat all you real combo” will ly need to Someeti protect you whooping kno mes it’s diffi cough and from getting anw cult to see diphtheria yth want to get lockjaw , ing but a chi —all con ! ditions youone ld. She ma your little girl as don ’tday soon she The Tdap ’ll be a teenay be young, but vaccine is one It’s ears pierced simple inje ger. important ction. If you , relax. The that both ’ve had shot is less you fem and your aler depend you painful. daughter ent) are P Get the MC forrewvenotivemheeanlth V4 vaccinWhat you e need to (or aware of need bef the vaccina ore they turn tions girls 13. There are 3 vac It may sou nd like a new w about cinations ortant to we mu that protect and oth sicllne that prevent cer app,ss scrMCeen er serious but s you from vical cancer V4 ing s and is a vac meningoc meningiti cinevaccinati illnesses. occal dise s—an infe ons ases, like Th ction can cause e 3-in-1 co hearing loss of the brain and spin mbo al cord tha , seizures and strokes If yout’re trac The MCV4 . shot is alm kin g you ost painless r child’s imm at age 11 or already kno . You need unizations 12 and the w about the to get thepro n get the , you mig 3-in-1 sho vacvid MCV4 boo ht cinees protec t (called Tda ster when tion against p) that you per’retus diphtheria 16.sis. If you knoare critically imp , tetanus r child is not and diseases can vaccinated cause seri , each of the ous health tetanus (or se issues. For lockjaw) can example, be contac the skin, and ted through it can cau a break in se painfu the jaw. Per l spasms—li tussis (or ke locking whooping can lead to of cough), if pneumoni not treated a or seizure chance, act , s. So don now! ’t take a The good news is tha t girls nee vaccination d the 3-in only once -1 combo in their life. this shot before the It’s importa ir 13th birt nt they get hday. has shown that the health needs of women differ throughout the stages of their lives. To help women better understand their bodies and the changes they can expect during their lives, a series of preventive health wellness cards will be mailed to your employees and their families who are covered by a Blue Cross of Northeastern Pennsylvania health insurance plan throughout 2015. Each mailing targets a specific age group and the related preventive health actions that are recommended for females during those years. These actions support the related HEDIS measures for 2015. Preventive health topics include: • Tdap, meningococcal (MCV4) and HPV vaccinations • Testing for chlamydia and cervical cancers • Prenatal and postnatal care visits for pregnant women • Screenings for breast cancer, colorectal cancer and osteoporosis Wellness cards for the Tdap and MCV4 immunizations and the HPV vaccine will be sent to parents of girls, 11 and 12 years of age, along with a separate card that parents can give to their daughter/ dependent, at their discretion. All other mailings will be sent directly to the identified member. For more information about these preventive health mailings, please call Jane Yeomans, senior coordinator, Quality Management/Improvement, at 570.200.4389. n Employer Manual: updated for 2015 Your Employer Manual has recently been updated and is now available on our Employer website at bcnepa.com/ employers. New for 2015, the updated Employer Manual covers the member materials your employees receive, such as: • Open enrollment kit, including network map and plan overview sheets • Member handbook kit, including network book Your Employer Manual is a valuable resource to help you manage your health insurance plan. Review the Page 6 n bcnepa.com process to enroll new hires, make status changes and update address changes. We recommend you carefully review your Employer Manual. If you have any questions about your group-specific benefits, refer to your Policy/Contract. However, if you have questions and are unable to find the answers in your Policy/Contract or manual, call your account manager for help. You can find your Employer Manual on bcnepa.com/employers. Just click on Manage my Group Coverage and then select the Employer Manual. You will have to sign in to Self-Service, but it’s easy and takes only a few seconds. If you prefer, please contact a group benefits administrator (GBA) team rep at 1.866.GBA.TEAM (1.866.422.8326) or your account manager for a printed copy of the Employer Manual. n news ICD-10: change to new coding system an ongoing process Health insurance plans and health care providers across the country are making progress toward compliance with a new medical coding system. ICD, which is short for International Classification of Diseases, is the global coding system that serves as the standard to report and categorize diseases, health-related conditions, and external causes of disease and injury. It’s also helpful in compiling useful information about deaths, sickness and injuries. Currently, insurance companies and providers use ICD-9 codes for all services and procedure coding for inpatient services. The U.S. Department of Health and Human Services has mandated that every entity covered by the Health Insurance Portability and Accountability Act (HIPAA) must transition from ICD-9 to ICD-10 by October 1, 2015. Did you know? Despite the challenges of switching to this new system, the benefits outweigh the costs. Why the change? The change to ICD-10 is happening because ICD-9 produces limited data about patients’ medical conditions and hospital inpatient procedures. ICD-9 is 30 years old, has outdated terms and is inconsistent with current medical practice. The structure of ICD-9 also limits the number of new codes that can be created and many ICD-9 categories are full. What will change? The number of diagnosis and procedure codes will increase greatly with ICD-10. Diagnosis codes will increase from about 14,300 to roughly 69,000. Procedure codes will have an even larger increase—from 3,800 to 72,000. How will this affect me and my employees? One of the challenges involved in the shift to the new coding system is that the mapping from ICD-9 to ICD-10 is not a one-to-one match. For example, a single code in ICD-9 may map to many codes in ICD-10. This mapping could lead to disruptions in certain areas. Provider payments could end up being different when using an ICD-10 code. Therefore, your employees could see occasional delays in claims payments during the transition period. What are the benefits? Despite the challenges of switching to this new system, the benefits outweigh the costs because ICD-10 will provide better data to: • Measure the quality, safety and effectiveness of care • Support electronic health record systems • Conduct research, studies and clinical trials • Set health policy, operational and strategic planning • Design health care delivery systems For more information on the transition to ICD-10, visit the Centers for Medicare & Medicaid Services (CMS) website. n bcnepa.com n Page 7 care delivery Wide cost The variations for knee and hip replacement cost of knee and hip replacements can vary widely from market to market across the country, as well as within the same market, according to a new report jointly produced by the Blue Cross Blue Shield Association (BCBSA) and Blue Health Intelligence (BHI). The report spotlights the wide cost difference for a common medical procedure and highlights the importance of the work that Blue companies are doing to use their claims data to provide consumers and employers with health care quality and cost information. It’s the first in a series of reports called “The Health of America Report” that the 2 organizations are collaborating on to look at key trends and insights into health care dynamics. “A Study of Cost Variations for Knee and Hip Replacement Surgeries in the U.S.” is based on an analysis of 3 years of Blue companies’ medical claims data gathered from 64 markets in the U.S. According to the study, the average cost of a total knee replacement surgery—among the fastest-growing medical procedures in the U.S.—was $31,124 based on a review of markets during the 36 months ending July 2013. However, it could cost as little as $11,317 in Montgomery, Alabama, and as much as $69,654 in New York City. Page 8 n bcnepa.com care delivery In addition to sharp variations in the cost of a knee replacement from market to market, the cost of the procedure also varied widely within the same city. In Dallas, Texas, for instance, a knee replacement could cost between $16,772 and $61,585 depending on the facility at which the patient underwent the procedure. Knee replacement surgery is rapidly growing in the U.S. According to a study in the June 2014 issue of the Journal of Bone and Joint Surgery, the number of typical knee replacements more than tripled between 1993 and 2009. Hip replacement surgery also is increasing rapidly. During that same 16-year period, typical hip replacements doubled, according to the journal study. In 2011 alone, 306,600 typical knee replacements and 645,062 typical hip replacements were performed in the U.S., according to an American Academy of Orthopedic Surgeons report. “The Health of America Report” also looked at the cost of hip replacement surgery, which varied greatly from market to market during the 3-year period examined. The average cost of a hip replacement was $30,124 in the markets studied, but the actual cost fluctuated from a low of $11,327 in Birmingham, Alabama, to a high of $73,987 in Boston, Massachusetts, the market which also had the largest same-market price variation for the procedure ($17,910 to $73,987, a 313% cost variation).* What are the Blues doing to help? To empower consumers, Blue companies are using their claims data to generate tools that help them obtain cost estimates, access information on provider quality and read and write patient reviews. These tools, which are available on our website at bcnepa.com/finddoctorhospital or the National Doctor and Hospital Finder, give consumers the information needed to comparison shop for common medical procedures and treatments. Total hip replacement Cost in Boston, MA $73,987 $11,327 Cost in Birmingham, AL $30,124 average cost in 64 markets where data was reviewed In addition, the Blue Distinction® Center+ designation recognizes hospitals that demonstrate expertise in delivering safe and effective patient care and also are 20% or more cost-efficient than non-designated hospitals. Hospitals with the designation include 427 Blue Distinction Centers+ for Knee and Hip Replacement, which are located in most of the 64 markets studied in the report. Consumers can look up Blue Distinction Center+ hospitals on our website at bcnp.co/bdc or on bcbs.com. In a news release announcing the report, Maureen Sullivan, BCBSA’s senior vice president of Strategic Services and chief strategy officer, stressed the importance of providing consumers with the information they need to make thoughtful choices for their health care. “To effectively address health care costs and ensure access to care, consumers, employers and industry leaders must have information on these price variations and be provided with the tools to become informed shoppers,” Sullivan said. n *Data was analyzed based on Metropolitan Service Areas (MSAs) in accordance with Census data, which can include large population areas that may cross state lines. The Boston MSA, for example, includes areas within New Hampshire and Rhode Island. For more information, visit: www2.census.gov/geo/maps/metroarea/ stcbsa_pg/Feb2013/cbsa2013_MA.pdf. Page bcnepa.com 9 n bcnepa.com n Page 9 care delivery At-home sleep studies need prior approval We recognize it’s important for you to have the most up-to-date benefit information in order to best manage your employees’ health insurance plans. Starting in 2015, upon your group health insurance plan’s yearly renewal, your benefits cover at-home sleep studies, with prior approval. Sleep studies record what happens to your body while you are asleep. They are usually performed to test for sleep apnea, a condition that can cause you to regularly stop breathing during sleep. While many sleep studies are performed in hospitals or labs, your doctor may recommend having the test performed at your home, a home sleep study. Please remind your employees that if their doctors recommend a sleep study, it’s important to check their Policy/Contract or call Customer Service at the number on the back of their ID card to make sure the service is eligible for coverage. Then, the doctor must submit a request for approval before they receive care. This process helps ensure your employees receive the right care, in the right setting, at the most appropriate time. For a complete list of services that need prior approval, you and your employees can check our website at bcnepa.com/products.aspx. Just choose your health insurance plan. The link for Services That Need Approval is on the left side of the page. n Specialty prescription drugs and health care costs Managing the growing cost of specialty drugs is a challenge that most employers face. It’s helpful to understand why specialty drugs are necessary and why they cost so much, so we can work together to contain the rising costs. At Blue Cross of Northeastern Pennsylvania, we use a team of clinical professionals—including pharmacists, doctors and nurses—to conduct ongoing reviews of specialty drug use. This ensures that your employees and their families have coverage for the most appropriate medications to treat their complex conditions. This review also helps ensure that specialty drug Page 10 n bcnepa.com bcnepa.com n Page 10 treatment is working effectively and is helping them get better. Recently, a guest column attributed to Dr. Nina Taggart, vice president of Clinical Operations and chief medical officer at Blue Cross of Northeastern Pennsylvania, was published by the Northeast Pennsylvania Business Journal to explain the rising cost of specialty drugs and how we can contain costs. We encourage you to read the article and learn more. Then give your Blue Cross of Northeastern Pennsylvania sales professional a call. Together we can better understand how specialty drugs drive health care costs and find ways to manage these rising costs. n Specialty Drugs & Specialty February 2015 Pharmac y Listing- CuraScript Pharmacy www.cura – Division scrip of Express Medication t.com Scripts- 1-86 s listed mu 6-848-98 st be obt 70 ained thro ifiers Aranesp® ugh CuraSc , Epogen®, ript. 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Express Scripts , Inc., an independent pharmacy benefit mana gement compa ny not affilia ted with benefits Home delivery: convenient, safe and cost effective Home delivery, also called mail order, can help you and your employees save money on most maintenance prescription drugs. And, they’re conveniently delivered right to your home. Maintenance medications are those that you take long term, usually for a condition like high blood pressure or high cholesterol. How does home delivery work? • First, check your Policy/Contract or Self-Service for your specific home delivery copay amount • Then call your doctor to get a prescription for up to a 90-day supply of medicine. It’s your responsibility to ask your doctor to specify a 90-day supply on your prescription, so you get the greatest benefit from this program. You must pay your home delivery copay no matter what amount is ordered • Check the formulary or ask your doctor if you need prior approval for the drug before you order it • Next, fill out the home delivery pharmacy registration form and send it with your prescription and payment to the address on the form • You can also ask your doctor’s office to fax the registration form to Express Scripts for the quickest possible service. The Rx ID number on your ID card is needed to fill your order • Once you’ve sent your prescriptions to Express Scripts, allow up to 14 days for your medications to arrive. You’ll get a phone call telling you when your order has shipped and when you can expect delivery. You can also track your order online at express-scripts.com The law calls for pharmacies to have the original prescription on file. This means you will need to get a new written prescription from your doctor to use the Express Scripts Home Delivery program. Prescriptions you may have on file with any other home delivery service will not transfer to Express Scripts. Is it safe? Millions of prescriptions are sent safely through the mail every year. Plus, registered pharmacists carefully screen each prescription throughout the dispensing process, so you can feel secure that you’ll get the attentive service you deserve. Is it cost-effective? Express Scripts Home Delivery Pharmacy helps you save money by providing the generic version of a drug when possible, unless you or your doctor specifically asks for the brand-name version. To ask for a brand-name drug when the generic is available, attach a note requesting the brand name or call Express Scripts with your request. If you or your doctor selects brand-name drugs when generics are available, you will have to pay the extra cost between the brand name and the generic, plus your deductible, copay and coinsurance, if applicable. This can cost quite a bit more than the generic drug. How can I order refills? A reorder envelope and refill notice will be sent with all prescriptions. It will tell you the number of refills left on your prescription, if any. To order your refill, simply send your refill order no later than the date marked on the notice, or call 1.877.603.8399. For the quickest possible service, you can order your refills online. Just logon to Express Scripts Self-Service at bcnepa.com/pharmacy.aspx and follow the on-screen directions. n Blue Cross of Northeastern Pennsylvania provides prescription drug coverage with administrative assistance from Express Scripts, Inc., an independent pharmacy benefit management company not affiliated with the Blue Cross and Blue Shield Association. bcnepa.com n Page 11 benefits Summary of Contract/Policy changes Policy/Contract changes are usually made twice a year in January and July. The changes are endorsements to the Contracts/Policies of the specific plans noted below. We encourage you to review this information and share it with your employees. These changes are effective July 1, 2015, and will be added into your Policy/Contract at your group’s next yearly renewal: Definitions: The definitions of these terms will be clarified: inpatient non-hospital residential care, inpatient non-hospital residential facility and partial hospitalization psychiatric care services. BlueCare Contracts/Policies affected: HMO, HMO Plus, QHD PPO, PPO, Custom PPO, QHD Custom PPO, Traditional, EPO and AffordaBlue. A definition of intensive outpatient alcohol and/or drug abuse program will be added. BlueCare Contracts/Policies affected: HMO, HMO Plus, QHD PPO, PPO, Custom PPO, QHD Custom PPO, Traditional, EPO and AffordaBlue. Description of Benefits: The Mental Health Care Services and Treatment for Alcohol and/or Drug Abuse and Dependency sections of the Description of Benefits will be modified to clarify the benefits. BlueCare Contracts/Policies affected: HMO, HMO Plus, QHD PPO, PPO, Custom PPO, QHD Custom PPO, Traditional, EPO and AffordaBlue. Exclusions: The exclusion for dental procedures and oral surgery will include an exception for orthognathic surgery for the treatment of obstructive sleep apnea. This means, even though dental services are generally not covered under your plan, if you are being treated for sleep apnea, you may be covered for this type of dental surgery. BlueCare Contracts/Policies affected: HMO, HMO Plus, QHD PPO, PPO, Custom PPO, QHD Custom PPO, Traditional, EPO and AffordaBlue. General Provisions: Section GP (General Provisions) will be updated to add a subsection on Payment of Claims. BlueCare Contracts affected: HMO, HMO Plus. n Medical policy updates available online Blue Cross of Northeastern Pennsylvania establishes and administers medical policy, which guides how your health insurance plan’s covered benefits are applied. Because we continually review and evaluate our medical policies, they are generally updated on a monthly basis. Stay on top of these monthly policy changes by checking our website at bcnepa.com/employer/news. Click on the Employer Homepage, select Employer News and then select the link Medical Policy Updates on the right side of the page for the latest information. n Page 12 n bcnepa.com benefits Blue Cross of Northeastern Pennsylvania’s multi-tier formulary changes These are the most recent changes, now in effect: Prescription drug Tier change Alternatives that cost you less Anoro Ellipta (umeclidinium/vilanterol) Tier 2, has quantity limits Luzu (luliconazole) Tier 3 econazole, ketoconazole Orenitram ER (treprostinil) Tier 3, needs prior approval and has quantity limits Other formulary pulmonary arterial hypertension (PAH) medications Otezla (apremilast) Tier 3, needs prior approval and has quantity limits; must be obtained through a specialty pharmacy Humira, Enbrel Xartemis XR (oxycodone/acetaminophen) Tier 3, has quantity limits oxycodone/acetaminophen immediate release Tecfidera (dimethyl fumarate) Tier 2, needs prior approval, step therapy and has quantity limits; must be obtained through a specialty pharmacy Gilenya (fingolimid) Tier 2, needs prior approval, step therapy and has quantity limits; must be obtained through a specialty pharmacy Vytorin (ezetimibe/simvastatin) Tier 3, has quantity limits Generic antihyperlipidemic agents Nutropin (somatropin) Tier 3, needs prior approval; must be obtained through a specialty pharmacy Norditropin Eliquis (apixaban) Tier 2 Vimovo (esomeprazole/naproxen) Tier 3, needs prior approval and has quantity limits Generic NSAIDs + generic PPIs Lumigan (bimatoprost) Ophthalmic Solution Tier 3, has quantity limits latanoprost Travatan Z (travoprost) Ophthalmic Solution Tier 3, has quantity limits latanoprost These prescription drugs now have a lower copay. Prescription drug Change Invokana (canagliflozin) and Invokamet (canagliflozin w/metformin) Tier 2, step therapy and quantity limits apply Pentasa (mesalamine) Tier 2 Lialda (mesalamine) Tier 2 Auvi-Q (epinephrine) Tier 2, has quantity limits Axiron (topical testosterone) Tier 2, has quantity limits Myrbetriq (mirabegron) Tier 2, has quantity limits Tudorza Pressair (aclidinium bromide) Tier 2, has quantity limits New medications covered under the medical benefit Beleodaq (belinostat) Beleodaq is a new intravenous medication used in the treatment of adults with peripheral T-cell lymphoma after other medications have been used. Beleodaq needs prior approval. Keytruda (pembrolizumab) Keytruda is a new intravenous medication used in the treatment of adults with metastatic melanoma in specified circumstances following previous use of certain medications. Keytruda needs prior approval. Please refer to the complete utilization management (UM) policies for full prior approval criteria, step therapy criteria, quantity limits and additional information and restrictions. Visit bcnepa.com, click on Rx Drug Benefits and select the Utilization Management Criteria link. bcnepa.com n Page 13 benefits New pharmacy and medical prior approval/step therapy criteria Adagen (pegademase bovine) prior approval criteria Adagen is a medication used in children who have a specified enzyme deficiency and also have severe combined immunodeficiency disease. In addition, the child is not a suitable candidate for, or has failed a bone marrow transplant. Your doctor must request prior approval of coverage. Medical records accompanying the prior approval request must document your diagnosis as well as specified criteria for this medication to be covered. When approved, this medication is available through a limited distribution pharmacy at a tier 3 copay. Please see UM policy for complete criteria and additional information. Beleodaq (belinostat) prior approval criteria Beleodaq is an intravenous medication used in the treatment of peripheral T-cell lymphoma in adults after other medications have been used to treat this condition. Your doctor must request prior approval of coverage. Medical records accompanying the prior approval request must document your diagnosis as well as specified criteria for this medication to be covered. This medication cannot be self-administered. If approved, it is covered under the medical benefit. Please see UM policy for complete criteria as well as additional information. Keytruda (pembrolizumab) prior approval criteria Keytruda is an intravenous medication used in the treatment of specified cases of metastatic melanoma. It is used after other specific chemotherapy agents have been used. Your doctor must request prior approval of coverage. Medical records accompanying the prior approval request must document your diagnosis as well as specified criteria for this medication to be covered. This medication cannot be self-administered. If approved, it is covered under the medical benefit. Please see UM policy for complete criteria as well as additional information. raloxifene/tamoxifen prior approval criteria Members may currently obtain the prescription drugs raloxifene and tamoxifen at a tier 1 copay. As of September 24, 2014, as per Health Care Reform law, if raloxifene or tamoxifen is being used for primary prevention of breast cancer and the member is considered at high risk for breast cancer, one may be able to obtain one of these medications at no cost; i.e., a $0 copay. In order to be approved for the $0 copay, the prescribing doctor must request prior approval for either raloxifene or tamoxifen indicating that the medications are being used for the primary prevention of breast cancer. If after review, all of the specified criteria are met, you may get the medication at a retail pharmacy for $0 copay. Otherwise, the tier 1 copay applies. Please see UM policy for complete criteria as well as additional information. Sutent (sunitib) prior approval criteria Sutent is an oral medication used in specified cases of gastrointestinal stromal tumor, advanced renal cell carcinoma and pancreatic neuroendocrine tumors. Your doctor must request prior approval of coverage. Medical records accompanying the prior approval request must document your diagnosis as well as specified criteria for this medication to be covered. If approved, Sutent must be obtained through a specialty pharmacy at a tier 3 copay. Please see UM policy for complete criteria as well as additional information. Zydelig (idelalisib) prior approval criteria Zydelig is an oral medication used in the treatment of specified types of leukemia and lymphoma after other medications have been used. Your doctor must request prior approval of coverage. Medical records accompanying the prior approval request must document your diagnosis as well as specified criteria for this medication to be covered. If approved, it must be obtained through a specialty pharmacy at a tier 3 copay. Please see UM policy for complete criteria as well as additional information. Please refer to the complete UM policies for full prior approval criteria, step therapy criteria, quantity limits and additional information and restrictions. Visit bcnepa.com, click on Rx Drug Benefits and select the Utilization Management Criteria link. Revised pharmacy and medical prior approval/step therapy criteria Multiple Sclerosis Disease Modifying Self-Administered Injectables step therapy criteria Plegridy is a new, multiple sclerosis (MS) disease modifying self-injectable. It has been added to this Step Therapy policy. Both of our preferred medications, Betaseron and Rebif, must be given a trial before Plegridy is covered. Plegridy is self-administered and is covered under the pharmacy benefit. When step therapy is met, Plegridy may be obtained through our specialty pharmacy at a tier 3 copay. Quantity limits apply. Please see UM policy for complete criteria and additional information. Multiple Sclerosis Oral (by mouth) Disease Modifying Medications step therapy criteria The Multiple Sclerosis Oral Disease Modifying Medications Step Therapy Criteria has been revised. The first step medication as per our policy is one of the MS modifying self-administered injectables. When step therapy is met, either Tecfidera or Gilenya is available through our specialty pharmacy at a tier 2 copay. Aubagio is step 3 in our policy; one must have had a trial of an MS self-injectable disease modifying medication as well as one oral MS disease modifying medication (Tecfidera, Gilenya). When step therapy is met, Aubagio may be obtained at a tier 3 copay through our specialty pharmacy. Quantity limits apply for all of these medications. Please see UM policy for complete criteria and additional information. Growth Hormone prior approval criteria Nutropin will no longer be covered without a trial of our preferred growth hormone agent, Norditropin. You and your doctor will receive a letter telling you about this trial requirement. Nutropin will only be approved if a prior approval documenting the medical necessity for the use of only Nutropin has been submitted, reviewed and approved. When Nutropin is approved, it must be obtained through our specialty pharmacy and is available at a tier 3 copay. Our preferred growth hormone product, Norditropin, is also available through our specialty pharmacy but has a tier 2 copay. Quantity limits for all growth hormones are determined at the time of authorization. Please see UM policy for complete criteria and additional information. Page 14 n bcnepa.com benefits Revised pharmacy and medical prior approval/step therapy criteria continued Vimovo (esomeprazole/ naproxen) step therapy criteria As of January 1, 2015, Vimovo will require step therapy for new starts as well as for those members who are currently using it. Vimovo is a combination of naproxen, an NSAID (non-steroidal anti-inflammatory drugs), and esomeprazole, a PPI (proton pump inhibitor). The step therapy criteria require that you must use at least 2 different, prescription, generic NSAIDs, as well as at least 2 different, prescription, generic PPIs (proton pump inhibitors) before Vimovo will be covered. These NSAIDs and PPIs must appear on your prescription claims history. When approved, Vimovo may be obtained at a retail pharmacy at a tier 3 copay. Please see UM policy for complete criteria and additional information. Ophthalmic Prostaglandin Agonists step therapy criteria Lumigan (bimatoprost) and Travatan Z (travoprost) will no longer need step therapy. They are now step 1 in our formulary. They are available from your pharmacy at a tier 3 copay. Latanoprost, a tier 1 medication, is also available as a step 1 medication. Zioptan (tafluprost) remains a step 2 medication; a trial of 3 step 1 medications (latanoprost, travoprost, Lumigan, Travatan Z) must be shown before Zioptan is covered. Quantity limits remain in place for Lumigan, Travatan Z and Zioptan. Please see UM policy for complete criteria and additional information. Synagis (palivizumab) prior approval criteria Synagis is an immunization used to prevent serious lower respiratory tract disease caused by the RSV virus in specified pediatric patients at high risk. The prior approval criteria have been extensively revised to reflect the new recommendations of the American Academy of Pediatrics (AAP). The new AAP recommendations limit the use of Synagis to only those infants most likely to benefit from Synagis prophylaxis. The prescribing doctor must request prior approval for coverage of Synagis. Synagis is not self-administered; when approved, it is covered under the medical benefit. Please see UM policy for complete criteria and additional information. Pegasys (peginterferon alfa 2a) prior approval criteria Our policy has been completely revised to follow the current recommendations from the American Association for the Study of Liver Diseases (AASLD) in the treatment of Hepatitis C. Your doctor must request prior approval for coverage. When approved, Pegasys is available through our specialty pharmacy at a tier 2 copay. Quantity and length of therapy will be determined at the time of authorization. Please see UM policy for complete criteria as well as additional information. Injectable/Oral Medications in the Treatment of Gaucher’s Disease A new oral medication, Cerdelga, has been added to the current policy. Cerdelga is used for the treatment of adult patients with Gaucher disease, type 1, when specified criteria are met. When approved, Cerdelga has quantity limits and is available at a tier 3 copay through our specialty pharmacy. Please see UM policy for complete criteria and additional information. Humira prior approval criteria Humira is an immunologic agent used in the treatment of various inflammatory diseases. Due to changes in FDA approved indications, the criteria have been updated. When specified criteria are met, Humira may be used in the treatment of children 2 years of age and older with polyarticular juvenile idiopathic arthritis, and children 6 years of age and older with moderately to severely active Crohn’s Disease. When approved, Humira has quantity limits and is available at a tier 2 copay through our specialty pharmacy. Please see UM policy for complete criteria and additional information. Hereditary Angioedema Medications prior approval criteria A new agent, Ruconest, has been added to the current policy. Ruconest is an injectable medication used to treat acute angioedema attacks in adolescents and adults with hereditary angioedema (HAE). It is not indicated for the treatment of laryngeal attacks. Ruconest can be given by a health care professional or you can be trained to administer it yourself. When given by a health care professional in an emergency situation, claims are reviewed afterwards to make sure that specified criteria were met. When you administer the medication yourself, a prior approval must first be sent in and approved. Specified criteria must be met. When approved, Ruconest has quantity limits and is available at a tier 3 copay through our specialty pharmacy. Please see UM policy for complete criteria and additional information. Immunomodulators in the Treatment of Inflammatory Disease prior approval criteria The prior approval criteria for Otezla have been updated to allow consideration for a new FDA approved indication, plaque psoriasis. Your prescribing doctor, a dermatologist, must request prior approval for coverage of Otezla. As per the criteria, Otezla in the treatment of plaque psoriasis requires documented prior treatment with Enbrel and Humira as well as other specified requirements. When approved, Otezla may be obtained through a specialty pharmacy at a tier 3 copay. Quantity limits apply. Please see UM policy for complete criteria and additional information. Immune Globulin, Subcutaneous prior approval criteria The subcutaneous Immune Globulin Prior approval criteria policy has been updated to include a new medication, Hyqvia. The criteria have also been updated to specify what documentation must be submitted for initial as well as continued approval of these medications. The use of subcutaneous immune globulin is considered self-administrable; when approved, these medications must be obtained through our specialty pharmacy at a tier 3 copay. Please see UM policy for complete criteria and additional information. Lumizyme, Myozyme prior approval criteria As per action by the FDA, the use of Lumizyme has been expanded to permit use in all Pompe patients; there is no limitation as to age and phenotype. In addition, the Risk Mitigation Evaluation Strategy (REMS) program has been removed. However, Lumizyme still has a boxed warning regarding serious adverse reactions. The prior approval criteria have been updated to reflect these changes. Lumizyme will continue to require prior approval sent in by your doctor; specified criteria must be met for approval of coverage of Lumizyme. If approved, Lumizyme is available at a tier 3 copay through our specialty pharmacy. Please see UM policy for complete criteria and additional information. Hyaluronic Acid Derivatives prior approval criteria A new hyaluronic acid derivative (HA) product, Monovisc, has been added to the prior approval policy as a non-preferred product. Our preferred, covered HA products continue to be Euflexxa and Synvisc/Synvisc-1. Prior approval will continue to be required for coverage of these products. The HA derivatives must be administered by a health care professional; when approved, they are covered under the medical benefit. Please see UM policy for complete criteria as well as additional information. bcnepa.com n Page 15 benefits Revised pharmacy and medical prior approval/step therapy criteria continued Zytiga/Xtandi prior approval criteria Our policy has been revised to follow a change in FDA labeled uses for Xtandi. Previously, use of the chemotherapeutic agent docetaxel was required for consideration of the use of Xtandi. This requirement has been eliminated from the criteria. The use of Xtandi still requires that prior approval be submitted by your prescriber, an oncologist. All remaining criteria must be met for consideration of approval of this medication. When approved, Xtandi is available at a tier 3 copay through our specialty pharmacy. Please see UM policy for complete criteria and additional information. Protease Inhibitors in the Treatment of Hepatitis C prior approval criteria Our policy has been completely revised to follow the current recommendations from the American Association for the Study of Liver Diseases (AASLD) in the treatment of Hepatitis C. Incivek (telaprevir) and Victrelis (boceprevir) are no longer commercially available and recommendations for usage have been eliminated from the policy. Recommendations for the use of Incivek (telaprevir) and Victrelis (boceprevir) have also been eliminated from our policy. Prior approval for the one remaining HCV NS3/4A protease inhibitor, Olysio (simeprevir), has been revised to reflect the current recommendations of the AASLD. When approved, Olysio must be obtained through our specialty pharmacy at a tier 2 copay. Quantity and length of therapy will be determined at the time of authorization. Please see UM policy for complete criteria as well as additional information. Revlimid prior approval criteria Our policy has been revised to allow consideration of approval of Revlimid in the FDA labeled use for mantle cell lymphoma after the use of other specified therapies. The use of Revlimid requires that prior approval be requested by your prescriber, an oncologist. All specified criteria must be met for consideration of approval of this medication. When approved, Revlimid is available at a tier 3 copay through our specialty pharmacy. Quantity limits apply. Please see UM policy for complete criteria and additional information. Imbruvica prior approval criteria Imbruvica is an oral medication used in the treatment of specified leukemia/lymphoma. Due to changes in FDA approved indications, the criteria have been updated to include a diagnosis of chronic lymphocytic leukemia with a specific gene (17P) deletion. When approved, Imbruvica is has quantity limits and is available at a tier 3 copay through our specialty pharmacy. Please see UM policy for complete criteria and additional information. The following prescription drugs no longer need step therapy or prior approval. Revised pharmacy and medical prior approval/step therapy criteria Inflammatory Bowel Medications step therapy criteria Lialda no longer needs step therapy. It is available from your pharmacy with a tier 2 copay. Testosterone (topical) step therapy criteria Axiron no longer needs step therapy. It is available from your pharmacy with a tier 2 copay; quantity limits apply. Overactive Bladder Medications step therapy criteria Myrbetriq no longer needs step therapy. It is available from your pharmacy with a tier 2 copay; quantity limits apply. Triptan step therapy criteria Axert, Frova and Relpax no longer need step therapy. They are available from your pharmacy with a tier 3 copay; quantity limits apply. Uloric step therapy criteria Uloric (febuxostat) will no longer need prior approval. Uloric is available from your pharmacy at a tier 3 copay; quantity limits apply. Itraconazole prior approval criteria Itraconazole capsules no longer need prior approval. Itraconazole is available from your pharmacy at a tier 1 copay. Onmel (a branded itraconazole) still requires prior approval. COX II (Celebrex) prior approval criteria Celebrex is now available as a generic medication, celecoxib. Celecoxib does not need prior approval. Celecoxib is available from your pharmacy at a tier 1 copay; quantity limits apply. Page 16 n bcnepa.com services New and improved group reporting tool Online resources can help manage your plan We can help you manage your plan Blue Cross of Northeastern Pennsylvania is excited to offer a new and improved reporting system for our large (51+) employer accounts. Now, managing your company’s health plan strategy can be easier than ever! Enhanced reports with Employer Insights We have transitioned from CoNexus to the Employer Insights™ account reporting solution to bring you the most meaningful analytics to help you proactively manage your company’s health care costs. What does this mean to me? The new Employer Insights reporting solution will give you a suite of reliable, credible, employer health plan performance reports. Plus, you’ll notice the following valuable features: • A standard set of easy-to-read reports that cover utilization, clinical, prescription drug and provider network analyses • A report displaying participation in Blue Health Solutions programs • Compelling, sophisticated graphics that show how your health care dollars are being spent • A dashboard summarizing key data for employers Call your Blue Cross of Northeastern Pennsylvania account manager today to learn more and get started! n At Blue Cross of Northeastern Pennsylvania, we recognize how important it is for you to have a primary source of information for managing your employees’ health insurance plan. We encourage you to visit our website at bcnepa.com/employers for important resources such as: • Employee handbooks • Annual Health Guide • Employer and member newsletters The Annual Health Guide and these other resources contain information for you and your employees about: • Quality Improvement program • Member Rights and Responsibilities • Complaint and Grievance process • Utilization Management process • Prescription Drug benefits • Covered benefits and services, including exclusions • Notice of Privacy Practices Blue Cross of Northeastern Pennsylvania provides analytic reporting services with assistance from Employer Insights, a group reporting solution offered by Truven Health Analytics, Inc., an independent company not affiliated with the Blue Cross and Blue Shield Association. If you need a copy of these online materials, call a group benefits administrator rep at 1.866.GBA.TEAM (422.8326). n bcnepa.com Page 17 n bcnepa.com n Page 17 services Authorization forms help protect your privacy The privacy of your protected health information is important to us. That’s why Blue Cross of Northeastern Pennsylvania has a number of safeguards in place to comply with the Health Insurance Portability and Accountability Act (HIPAA) Privacy Rule. Members must complete an Authorization form before allowing others to receive their protected health information for purposes other than payment, treatment or health care operations. Why do I need an authorization form on file? For example, you may find that your adult son or daughter who’s away at college or on vacation is admitted to the hospital for emergency care. Without an Authorization form on file, the law requires all insurers, including Blue Cross of Northeastern Pennsylvania, to decline requests for information until a form is filed, or unless a verbal agreement can be obtained. There are no exceptions. “Having a HIPAA Authorization form on file for each adult member listed on your health insurance contract ensures that another person, such as you, a spouse, close family member or friend, can receive information in the event that they unexpectedly need medical care,” said Dawna Gardner, privacy and security officer at Blue Cross of Northeastern Pennsylvania. You and your employees should consider completing an Authorization form as a best practice in managing their own health care and that of their family members. Our Authorization forms are available on bcnepa.com by clicking on the Privacy/HIPAA link at the bottom of the page and then selecting HIPAA Forms. The Authorization forms are valid for a maximum of 2 years. At the end of the 2-year period, we will send the member a new form to be completed and returned to us. What other form is useful? Another fairly common HIPAA form is the Personal Representative form. This form is used to appoint an individual as your personal representative. A personal representative can act on behalf of a member in making decisions related to the member’s health care. In order to appoint someone as your personal representative, you must send in valid court documentation that names another individual as having the authority to act on your behalf. The types of documentation that we will accept are Power of Attorney, Court Orders, Guardianship papers, Short Certificate, Letters of Administration and Letters of Testamentary. We cannot appoint a personal representative unless we have the appropriate documentation on file with us. Where should I send my completed forms? All completed BCNEPA Authorization forms should be sent to: Privacy & Security Office Blue Cross of Northeastern Pennsylvania 19 North Main Street Wilkes-Barre, PA 18711 All forms are processed on the day that they are received and are maintained in our HIPAA Privacy Database. What if I have questions? For more information, please contact our Privacy & Security Office at 1.866.262.5867 or via email at [email protected]. n 19 North Main Street, Wilkes-Barre, PA 18711-0302 bcnepa.com Page 18 n bcnepa.com EBG119 3/15 © Blue Cross of Northeastern Pennsylvania. 2015.