Aetna Choice POS II High Deductible Health Plan - HSA

Transcription

Aetna Choice ® POS II High
Deductible Health Plan - HSA
Coverage Period: 01/01/2015 - 12/31/2015
Coverage for: Individual + Family Plan Type:
Summary of Benefits and Coverage: What this Plan Covers & What it
POS
Costs
TD BANK, N.A.
This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in
the policy or plan document at www.tdbankaetnabenefits.com or by calling 1-877-440-4709.
Important Questions
What is the overall
deductible?
Are there other
deductibles
Is
an
forthere
specific
services?
out-of-pocket limit
on my expenses?
What is not
included in the
out-of-pocket
Is there an
limit?
overall annual
Answers
For each Calendar Year, In-network:
Individual $2,600 / Family $5,200.
Out-of-network: Individual $3,000 /
Family
$6,000. Does not apply to
preventive care
No.
in-network.
Yes, In-network: Individual $3,000/
Family
$6,000. Out-of-network:
Premiums,
balance-billed
charges,
Individual $4,500/
Family
health care this plan does not cover,
$9,000.
and penalties for failure to obtain
pre-authorization
for service.
No.
limit on what
Does
thispays?
plan use a Yes. For a list of in-network
the plan
providers, see
network of
providers?
www.aetna.com/docfind/custom/
tdbank or call 1-877-440-4709.
Do I need a
referral to see a
Are
there
specialist?
services this
plan doesn't
cover?
Questions:
No.
Yes.
Why this Matters:
You must pay all the costs up to the deductible amount
before this plan
begins to pay for covered services you use. Check your policy
or plan
document to see when the deductible starts over (usually,
but not always,
You
don't
have
to the
meet
deductibles
specific
January
1st).
See
chart
starting onfor
page
2 for services,
how much
you see
pay the
for chart starting on page 2 for other costs for
but
covered
you meet
deductible.
The
out-of-pocket
limit
is thethe
most
you could pay during a
services services
this plan after
covers.
coverage period (usually one year) for your share of the cost
of covered services. This limit helps you plan for health care
Even though you pay these expenses, they don't count toward
expenses.
the
out-of-pocket limit.
The chart starting on page 2 describes any limits on what the
plan will pay for
specific covered services, such as office visits.
If you use an in-network doctor or other health care provider,
this plan will pay some or all of the costs of covered services. Be
aware, your in-network doctor or hospital may use an out-ofnetwork provider for some services. Plans use the term innetwork,
preferred,
or participating
forwithout
providers
in their
You
can see
the specialist
you choose
permission
network.
See
from
this plan.
the chart
starting
on page
2 for
how this
planare
pays
different
Some
of the
services
this plan
doesn't
cover
listed
on
kinds of providers.
page 5. See your policy or plan document for additional
information about excluded services.
Call 1-877-440-4709 or visit us at www.tdbankaetnabenefits.com.
If you aren't clear about any of the bolded terms used in this form, see the Glossary. You
can view the Glossary
at www.HealthReformPlanSBC.com or call 1-877-440-4709 to request a copy.
072900-070020-491336
Page 1 of 8
Coverage Period: 01/01/2015 - 12/31/2015
POS
Costs
TD BANK, N.A.
Copayments are fixed dollar amounts (for example, $15) you pay for covered health care, usually when you receive
the service.
Coinsurance is your share of the costs of a covered service, calculated as a percent of the allowed amount
for the service. For example, if the plan's allowed amount for an overnight hospital stay is $1,000, your
coinsurance payment of 20% would be $200. This may change if you haven't met your deductible.
The amount the plan pays for covered services is based on the allowed amount. If an out-of-network provider
charges more than the allowed amount, you may have to pay the difference. For example, if an out-of-network
hospital charges $1,500 for an overnight stay and the allowed amount is $1,000, you may have to pay the
$500 difference. (This is called balance billing.)
This plan may encourage you to use in-network providers by charging you lower deductibles, copayments, and
coinsurance amounts.
Common Medical
Event
50% coinsurance
––––––––––– None –––––––––––
30% coinsurance
30% coinsurance
50% coinsurance
50% coinsurance
Preventive care /screening
/immunization
No charge
50% coinsurance
Diagnostic test (x-ray, blood
work) (CT/PET scans, MRIs)
Imaging
30% coinsurance
30% coinsurance
50% coinsurance
50% coinsurance
––––––––––– None –––––––––––
Coverage is limited to 24 visits
per calendar year for Chiropractic
care.
Age and frequency schedules may
apply.
––––––––––– None –––––––––––
––––––––––– None –––––––––––
Services You May Need
Primary care visit to treat an
injury or illness
If you visit a health
Specialist visit
care provider's office
Other practitioner office visit
or clinic
If you have a test
Questions:
Your Cost If You Use an
Out-Of-Network
Provider
Your Cost If You
Use an InNetwork
Provider
30% coinsurance
Limitations & Exceptions
072900-070020-491336
Page 2 of 8
Costs
Your Cost If You
Common Medical
Services You May
Use
an In-Network
Event
Need
Provider
Generic drugs
If you need drugs to
treat your illness or
condition.
Preferred brand drugs
More information
about prescription
drug coverage is
available at
www.aetna.com/phar
macy-insurance/indi
viduals-families
Non-preferred brand drugs
Specialty drugs
After deductible,
Copay/prescription:
$10 for 30 day, $20
for
60 day, $30 for 90
day
supply (retail); $20
for
After deductible,
1-90 day supply
$35
(mailcopay
order)for 30
day supply, $70 for
60 day, $105 for 90
day supply (retail)
$70 copay for 1-90
day supply (mail
order)
After deductible,
30% coinsurance up
to a $75 maximum
for 30 day supply,
$150 maximum for
60 day supply and
$225 maximum for
90 day supply (retail)
, 30% coinsurance
up to a $150
maximum for
a 1-90
Applicable
cost
daynoted
supply(mail
as
above
order)
for
generic or brand
drugs.
Coverage Period: 01/01/2015 - 12/31/2015
POS
TD BANK, N.A.
Out-Of-Network
Provider
Covers up to a 90-day supply
Not covered
(retail prescription); 1-90 day
supply (mail order prescription).
Includes
performance enhancing medication
limited
to 18 tablets per 90 day supply
(retail),
contraceptive drugs and devices
Not covered
obtainable
from a pharmacy, oral & injectable
fertility
drugs. No charge for formulary
generic
FDA-approved women's
contraceptives
Not covered
in-network. Precertification and Step
therapy required with 90 day
Transition of
Care. Your cost will be higher for
choosing
Brand over Generics. Deductible
waived for
preventive medications.
Not covered
Aetna Specialty CareRxSM - First
Prescription must be filled at a
participating retail pharmacy or
Aetna Specialty
Pharmacy®. Subsequent fills
must be through Aetna
Questions:
072900-070020-491336
Page 3 of 8
Costs
If you have
outpatient
surgery
If you need
immediate medical
attention
Questions:
Facility fee (e.g.,
ambulatory surgery
center)
Physician/surgeon fees
Emergency room services
Emergency medical
transportation
Urgent care
Coverage Period: 01/01/2015 - 12/31/2015
POS
®
Specialty Pharmacy .TD BANK, N.A.
30% coinsurance
50% coinsurance
––––––––––– None –––––––––––
30% coinsurance
30% coinsurance
30% coinsurance
30% coinsurance
50% coinsurance
30% coinsurance
30% coinsurance
30% coinsurance
––––––––––– None –––––––––––
30% coinsurance for non-emergency
use.
–––––––––––
None –––––––––––
30% coinsurance for non-urgent
use.
072900-070020-491336
Page 4 of 8
Costs
Your Cost If You
Common Medical
Use an InEvent
Network
Provider
Facility fee (e.g., hospital room) 30% coinsurance
If you have a
hospital stay
Physician/surgeon fee
30% coinsurance
Mental/Behavioral health
30% coinsurance
outpatient
services
Mental/Behavioral health
If you have mental
30% coinsurance
inpatient services
health, behavioral
health, or substance Substance use disorder
30% coinsurance
abuse needs
outpatient services
Substance use disorder
30% coinsurance
inpatient services
Coverage Period: 01/01/2015 - 12/31/2015
POS
TD BANK, N.A.
Out-Of-Network
Provider
Pre-authorization required for out50% coinsurance
of-network care.
50% coinsurance
50% coinsurance
50% coinsurance
50% coinsurance
––––––––––– None –––––––––––
50% coinsurance
Pre-authorization required for outof-network care.
First diagnostic visit: 30%
Pre-authorization
required for
coinsurance
out-of-network care. Includes
outpatient
postnatal care.
––––––––––– None –––––––––––
Coverage is limited to 60 visits
per calendar year for Physical,
Occupational and Speech Therapy
combined.
Coverage is limited to 60 visits per
calendar
year for Autism Physical,
Occupational &
Pre-authorization required for
Speech
Therapy,care.
combined
withis
out-of-network
Coverage
rehabilitation
services.
limited to
90 days per calendar year.
––––––––––– None –––––––––––
If you are pregnant
Prenatal and postnatal care
Delivery and all inpatient
services
No charge
30% coinsurance
50% coinsurance
50% coinsurance
Home health care
Rehabilitation services
30% coinsurance
30% coinsurance
50% coinsurance
50% coinsurance
Habilitation services
30% coinsurance
50% coinsurance
Skilled nursing care
30% coinsurance
50% coinsurance
Durable medical equipment
Hospice service
30% coinsurance
30% coinsurance
50% coinsurance
50% coinsurance
If you need help
recovering or have
other special
health needs
Questions:
––––––––––– None –––––––––––
Applied Behavioral Analysis Therapy
for Autism Diagnosis is covered
072900-070020-491336
Page 5 of 8
Eye exam
No charge
If your child
needs dental or
eye care
Glasses
Not covered
Costs
Questions:
Coverage Period: 01/01/2015 - 12/31/2015
POS
TD
BANK, N.A.
Coverage is limited to
1 routine
50% coinsurance
eye exam every 24 months.
Not covered
Not covered
072900-070020-491336
Page 6 of 8
Costs
Your Cost If You
Common Medical
Use an InEvent
Network
Provider
Dental check-up
Not covered
Coverage Period: 01/01/2015 - 12/31/2015
POS
TD BANK, N.A.
Out-Of-Network
Provider
Not covered
Not covered
Excluded Services & Other Covered Services:
Services Your Plan Does NOT Cover (This isn't a complete list. Check your policy or plan document for other excluded services.)
Acupuncture
outside the
Cosmetic surgery
Dental Care (Adult & Child)
Glasses
Non-emergency care when traveling
Hearing aids
Long-term care
U.S.
Routine foot care
Weight loss programs
Other Covered Services (This isn't a complete list. Check your policy or plan document for other covered services and your costs for these
services.)
Bariatric surgery
Infertility treatment - Coverage is limited to the Private-duty nursing
diagnosis and treatment of underlying
Chiropractic care - Coverage is limited to 24 visits
medical
condition.
Routine eye care (Adult) - Coverage is limited to 1 per calendar year.
Coverage is limited to $25,000 per
routine eye exam every 24 months.
lifetime for advanced reproductive technology,
artificial insemination and ovulation induction.
Your Rights to Continue Coverage:
If you lose coverage under the plan, then, depending upon the circumstances, Federal and State laws may provide protections
that allow you to keep health coverage. Any such rights may be limited in duration and will require you to pay a premium, which
may be significantly higher than the premium you pay while covered under the plan. Other limitations on your rights to continue
coverage may also apply.
For more information on your rights to continue coverage, contact the plan at 1-877-440-4709. You may also contact your
state insurance department, the U.S. Department of Labor, Employee Benefits Security Administration at 1-866-444-3272 or
www.dol.gov/ebsa, or the U.S. Department of Health and Human Services at 1-877-267-2323 x61565 or www.cciio.cms.gov.
Your Grievance and Appeals Rights:
If you have a complaint or are dissatisfied with a denial of coverage for claims under your plan, you may be able to appeal or file
Questions: Call 1-877-440-4709 or visit us at www.tdbankaetnabenefits.com.
072900-070020-491336
Page 7 of 8
Coverage Period: 01/01/2015 - 12/31/2015
POS
Costs
TD
BANK,onN.A.
a grievance. For questions about your rights, this notice or assistance, you can contact us by calling the toll free
number
your Medical ID Card. You may also contact the Department of Labor's Employee Benefits Security Administration at 1-866-444EBSA (3272) or www.dol.gov/ebsa/healthreform.
Questions: Call 1-877-440-4709 or visit us at www.tdbankaetnabenefits.com.
072900-070020-491336
Page 8 of 8
Costs
Your Grievance and Appeals Rights:
Coverage Period: 01/01/2015 - 12/31/2015
POS
TD BANK, N.A.
Additionally, a consumer assistance program can help you file an appeal. Contact information
is at http://www.aetna.com/individuals-‐families-‐health-‐insurance/rights-‐resources/complaints-‐grievances-‐
appeals/index.html Does
this Coverage Provide Minimum Essential Coverage?
The Affordable Care Act requires most people to have health care coverage that qualifies as "minimum essential coverage".
This plan or policy does provide minimum essential coverage.
Does this Coverage Provide Minimum Value Standard?
The Affordable Care Act establishes a minimum value standard of benefits of a health plan. The minimum value standard is 60%
(actuarial value). This health coverage does meet the minimum value standard for the benefits it provides.
Language Access Services:
1-877-440-4709.
Kung kailangan ninyo ang tulong sa Tagalog tumawag sa 1877-440-4709.
Para obtener asistencia en Español, llame al 1-877-440Dinek'ehgo shika at'ohwol ninisingo, kwiijigo holne' 1-877-440-4709.
4709.
-------------------To see examples of how this plan might cover costs for a sample medical situation, see the next page.-------------------
Questions:
072900-070020-491336
Page 9 of 8
Coverage Period: 01/01/2015 - 12/31/2015
POS
TD BANK, N.A.
Coverage Examples
About these
Coverage
Examples:
Having a baby
Managing type 2 diabetes
(routine maintenance of
a well-controlled condition)
(normal delivery)
These examples show how this plan
might cover medical care in given
situations. Use these examples to see,
in general, how much financial
protection a sample patient might get
if they are covered under different
plans.
Amount owed to providers:
$7,540
Plan pays: $4,390
Patient pays: $3,150
Sample care costs:
This is
not a
cost
estimator
.
Don't use these
examples to estimate
your actual costs
under this plan. The
actual care you
receive will be
different from these
examples, and the
Questions:
cost of that
care also
will be
different.
See the next
page for
important
information
about these
examples.
Amount owed to providers: $5,400
Plan pays: $2,320
Patient pays: $3,080
Sample care costs:
Prescriptions
Medical equipment and
Supplies
Office Visits and Procedures
Education
Laboratory tests
Vaccines, other preventative
Total
$2,9
00
$1,3
00
$70
0
$30
0
$10
0
$10
0
$5,400
Patient pays:
072900-070020-491336
Page 10 of
8
Hospital charges (mother)
Routine obstetric care
Hospital charges (baby)
Anesthesia
Laboratory tests
Prescriptions
Radiology
Vaccines, other preventative
Total
Coverage Examples
Patient pays:
Deductibles
Copays
Coinsurance
Limits or exclusions
Total
$2,6
00
$13 0
$27 Deductibles
0$8 Copays
0
$3,080
Coinsurance
Limits or exclusions
Total
Coverage Period: 01/01/2015 - 12/31/2015
$2,7
POS
00
$2,1
TD BANK, N.A.
00
$9
00
$9
00
$5
00
$2
00
$2
00
$40
$7,540
$2,6
00$0
$400
$1
50
$3,150
Questions:
072900-070020-491336
Page 11 of
8
Coverage Examples
Coverage Period: 01/01/2015 - 12/31/2015
POS
TD BANK, N.A.
Questions and answers about the Coverage Examples:
What are some of the
assumptions behind
the Coverage
Examples?
Costs don't include premiums.
The patient's condition was
not an
excluded or preexisting
condition.
All services and treatments
started and ended in the same
coverage period.
There are no other medical
expenses for any member
covered under this plan.
Out-of-pocket expenses are
based only on treating the
condition in the example.
The patient received all care from
in-network providers. If the
Questions:
Yes. When you look at the
For each treatment situation, the
Coverage Example helps you see how
deductibles, copayments, and
coinsurance can add up. It also
helps you see what expenses might
be left up to you to pay because the
service or treatment isn't covered or
payment is limited.
Summary of Benefits and
Coverage for other plans, you'll
find the same Coverage
Examples.
When you compare plans, check the
"Patient
Pays" box in each example. The
smaller that number, the more
coverage the plan provides.
Can I use Coverage
Examples to compare plans?
Sample care costs are based on
national averages supplied by the
U.S. Department of Health and
Human Services, and aren't
specific to a particular
geographic area or health plan.
What does a Coverage
Example show?
Does the Coverage Example
predict my own care needs?
Are there other costs I should
patient had received care from outof-network providers, costs would
have been higher.
No. Treatments shown are just
examples. The care you would receive
for this condition could be different,
based on your doctor's advice, your
age, how serious your condition is,
and many other factors.
Does the Coverage Example
predict my future expenses?
No. Coverage Examples are not cost
estimators. You can't use the
examples to estimate costs for an
072900-070020-491336
Page 12 of
8
Coverage Examples
actual condition. They are for
comparative purposes only.
Your own costs will be
different depending on the
care you receive, the prices
your providers charge, and
the reimbursement your health
plan allows.
Questions:
consider when
comparing plans?
Coverage Period: 01/01/2015 - 12/31/2015
POS
TD BANK, N.A.
Yes. An important cost is the
premium you pay. Generally,
the lower your premium, the
more you'll pay in
out-of-pocket costs, such as
copayments,
deductibles, and
coinsurance. You should also
consider contributions to
accounts such as health savings
accounts (HSAs), flexible
spending arrangements (FSAs)
or health reimbursement
accounts (HRAs) that help you
pay out-of-pocket expenses.
072900-070020-491336
Page 13 of
8

Aetna Choice POS II High Deductible Health Plan - HSA

Transcription

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