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Summary of Benefits and Coverage: What this Plan Covers & What it Costs SHL Solutions PPO 10/1000/80% $7/30/50 Coverage for: Individual + Family I Plan Type: PPO Coverage Period: 07/01/2016 - 06/30/2017 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 or by calling (702) 242-7700 or 1-[PHONE REDACTED]. Important Questions Answers Why this Matters: What is the overall deductible? $1,000/Insured and $2,000/Family for Plan Providers and $2,000/Insured and $4,000/Family for Non-Plan Providers per Calendar Year. Does not apply to copayments and prescription drug fees. 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 to see when the deductible starts over (usually, but not always, January 1st). See the chart starting on page 2 for how much you pay for covered services after you meet the deductible. Are there other deductibles for specific services? No. There are no other specific deductibles. You must pay all the costs for these services up to the specific deductible amount before this plan begins to pay for these services. Is there an out-of-pocket limit on my expenses? Yes, $4,000/Insured and $8,000/Family when using Plan Providers and $12,000/Insured and $24,000/Family when using Non-Plan Providers per Calendar Year. The out-of-pocket limit is the most you could pay during a coverage period (usually one year) for your share of the cost of covered services. This limit helps you plan for health care expenses. What is not included in the out-of-pocket limit? Premium, balance-billed charges, penalties for failure to obtain prior authorization for services and health care this plan doesn't cover. Even though you pay these expenses, they don't count toward the out-of pocket limit. Is there an overall annual limit on what the plan pays? No. The chart starting on page 2 describes any limits on what the plan will pay for specific covered services, such as office visits. Does this plan use a network of providers? Yes. For a list of Plan Providers, see or call [PHONE REDACTED] or 1-[PHONE REDACTED]. 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-of-network provider for some services. Plans use the term in-network, preferred, or participating for providers in their network. See the chart starting on page 2 for how this plan pays different kind of providers. Do I need a referral to see a specialist? No. You can see the specialist you choose without permission from this plan. 1 of 8 Questions: Call (702) 242-7700 or 1-[PHONE REDACTED] or visit us at If you aren’t clear about any of the underlined terms used in this form, see the Glossary. You can view the Glossary at cms.gov/CCIIO/Resources/Files/Downloads/uniform-glossary-final.pdf or call the phone number above to request a copy. ---PAGE BREAK--- h Copayments are fixed dollar amounts (for example, $15) you pay for covered health care, usually when you receive the service. h 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. h 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.) h This plan may encourage you to use Plan Providers by charging you lower deductibles, copayments and coinsurance amounts. Common Medical Event Services You May Need Limitations & Exceptions Your Cost If You Use a Plan Provider Your Cost If You Use a Non-Plan Provider If you visit a health care provider's office or clinic Primary care visit to treat an injury or illness None 40% co-ins, after ded $10 copay/visit Specialist visit 40% co-ins, after ded $20 copay/visit Other practitioner office visit Manual manipulation (Chiropractic) coverage is limited to 20 visits. Insured pays for 50% benefit reduction if prior authorization is not obtained. 40% co-ins, after ded $20 copay/visit Preventive care/ screening/ immunization Deductible applies when services are obtained from Non-Plan Providers. 40% co-ins, after ded $0 copay/visit If you have a test Diagnostic test (x-ray, blood work) Deductible applies when services are obtained at an Inpatient Facility. Insured pays for 50% benefit reduction if prior authorization is not obtained. 40% co-ins, after ded X-ray: $10 copay/service Lab: $0 copay/service Imaging (CT/PET scans, MRIs) Insured pays for 50% benefit reduction if prior authorization is not obtained. 40% co-ins, after ded $250 copay/service If you need drugs to treat your illness or condition Tier 1 You have a 3-Tier pharmacy plan. Covers up to a 30-day retail supply or up to a 90-day mail order supply. Insured pays for 50% benefit reduction if prior authorization or step therapy is not obtained. 30% co-ins $7 copay (retail) $17.50 copay (mail) 2 of 8 ---PAGE BREAK--- Common Medical Event Services You May Need Limitations & Exceptions Your Cost If You Use a Plan Provider Your Cost If You Use a Non-Plan Provider More information about prescription drug coverage is available at Tier 2 You have a 3-Tier pharmacy plan. Covers up to a 30-day retail supply or up to a 90-day mail order supply. Insured pays for 50% benefit reduction if prior authorization or step therapy is not obtained. 30% co-ins $30 copay (retail) $75 copay (mail) Tier 3 You have a 3-Tier pharmacy plan. Covers up to a 30-day retail supply. Insured pays for 50% benefit reduction if prior authorization is not obtained. 30% co-ins $50 copay (retail) $125 copay (mail) Tier 4 Not Applicable. Not Covered Not Covered If you have outpatient surgery Facility fee ambulatory surgery center) Insured pays for 50% benefit reduction if prior authorization is not obtained. 40% co-ins, after ded $250 copay/admit Physician/surgeon fees $0 copay/surgery $0 copay/surgery If you need immediate medical attention Emergency room services You may be balance billed from Non-Plan Providers. ER Physician: $0 copay/visit ER Facility: $80 copay/visit ER Physician: $0 copay/visit ER Facility: $80 copay/visit Emergency medical transportation $0 copay/trip $0 copay/trip Urgent care You may be balance billed from Non-Plan Providers. $40 copay/visit $40 copay/visit If you have a hospital stay Facility fee hospital room) Insured pays for 50% benefit reduction if prior authorization is not obtained. 40% co-ins, after ded 20% co-ins, after ded Physician/surgeon fee $0 copay/surgery $0 copay/surgery If you have mental health, behavioral health, or substance abuse needs Mental/behavioral health outpatient services Insured pays for 50% benefit reduction if prior authorization is not obtained. 40% co-ins, after ded $10 copay/visit Mental/behavioral health inpatient services 40% co-ins, after ded 20% co-ins, after ded Substance abuse disorder outpatient services Insured pays for 50% benefit reduction if prior authorization is not obtained. 40% co-ins, after ded $10 copay/visit Substance abuse disorder inpatient services 40% co-ins, after ded 20% co-ins, after ded 3 of 8 ---PAGE BREAK--- Common Medical Event Services You May Need Limitations & Exceptions Your Cost If You Use a Plan Provider Your Cost If You Use a Non-Plan Provider If you are pregnant Prenatal and postnatal care Routine prenatal care obtained from a Plan Provider is covered at no charge. 40% co-ins, after ded $0 copay/visit Delivery and all inpatient services Insured pays for 50% benefit reduction if prior authorization is not obtained. Room: 40% co-ins, after ded Surgical, Anesthesia: $0 copay/admit Room: 20% co-ins, after ded Surgical, Anesthesia: $0 copay/admit If you have a recovery or other special health need Home health care Coverage is limited to 60 visits. Insured pays for 50% benefit reduction if prior authorization is not obtained. 40% co-ins, after ded 20% co-ins, after ded Rehabilitation services Coverage is limited to 120 visits. Insured pays for 50% benefit reduction if prior authorization is not obtained. 40% co-ins, after ded $20 copay/visit Habilitative services 40% co-ins, after ded $20 copay/visit Skilled nursing care Coverage is limited to 100 days. Insured pays for 50% benefit reduction if prior authorization is not obtained. 40% co-ins, after ded 20% co-ins, after ded Durable medical equipment For purchase or rental at SHL's option. Purchases are limited to a single type of DME, including repair and replacement, every 3 years. Insured pays for 50% benefit reduction if prior authorization is not obtained. 40% co-ins, after ded 20% co-ins, after ded Hospice services Insured pays for 50% benefit reduction if prior authorization is not obtained. 40% co-ins, after ded 20% co-ins, after ded If your child needs dental or eye care Eye exam Your Plan may include certain vision and/or dental services. Please refer to you Plan documents for more information. Not Covered Not Covered Glasses Not Covered Not Covered Dental check-up Not Covered Not Covered 4 of 8 ---PAGE BREAK--- 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.) Abortion (except for rape, incest, life at risk) Dental care (Adult) Routine eye care (Adult) Acupuncture Long-term care Routine foot care Cosmetic surgery Non-emergency care when traveling outside the U.S. 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 Hearing aids Private-duty nursing Chiropractic care Limited infertility treatment 5 of 8 ---PAGE BREAK--- 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 (702) 242-7700 or 1-[PHONE REDACTED]. You may also contact your state insurance department, the U.S. Department of Labor, Employee Benefits Security Administration at 1-[PHONE REDACTED] or www.dol.gov/ebsa, or the U.S. Department of Health and Human Services at 1-[PHONE REDACTED] 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 a grievance. For questions about your rights, this notice, or assistance, you may contact your human resource department. If your employer determines that your plan is subject to ERISA, you may contact the Employee Benefits Security Administration at 1-[PHONE REDACTED] or http://www.dol.gov/ebsa/healthreform. Additionally, a consumer assistance program can help you file your appeal. Contact the Office of Consumer Health Assistance at 1-[PHONE REDACTED] or http://dhhs.nv.gov. A list of states with Consumer Assistance Programs is available at www.dol.gov/ebsa/healthreform and http://cciio.cms.gov/programs/consumer/capgrants/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 Meet the 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. see examples of how this plan might cover costs for a sample medical situation, see the next 6 of 8 ---PAGE BREAK--- About these Coverage Examples: 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. 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 cost of that care will also be different. See the next page for important information about these examples. Having a baby (normal delivery) Amount owed to providers: $7,600 Plan pays $5,900 Patient pays $1,700 Managing type 2 diabetes (routine maintenance of a well-controlled condition) Amount owed to providers: Plan pays Patient pays $5,400 $4,500 $900 Sample care costs: Sample care costs: Hospital charges (mother) Routine obstetric care Hospital charges (baby) Anesthesia Laboratory tests Prescriptions Radiology Vaccines, other preventive Total $2,700 $1,200 $900 $900 $500 $200 $200 $1,000 $7,600 Patient pays: Deductibles Copays Coinsurance Limits or Exclusions Total $1,000 $200 $500 $0 $1,700 Education Vaccines, other preventive Laboratory tests Office Visits and Procedures Medical Equipment and Supplies Prescriptions Total Total Limits or Exclusions Coinsurance Copays Deductibles Patient pays: $2,900 $1,300 $700 $300 $100 $100 $5,400 $0 $900 $0 $0 $900 This is not a cost estimator. 7 of 8 ---PAGE BREAK--- Does the Coverage Example predict my own care needs? û 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. What are some of the assumptions behind the Coverage Examples? • Costs don’t include premiums. • 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. • 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 patient had received care from out-of-network providers, costs would have been higher. • If other than individual coverage, the Patient Pays amount may be more. Questions and answers about the Coverage Examples: What does a Coverage Example show? 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. Can I use Coverage Examples to compare plans? üYes. When you look at the 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. Does the Coverage Example predict my future expenses? ûNo. Coverage Examples are not cost estimators. You can’t use the examples to estimate costs for an 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. Are there other costs I should consider when comparing plans? üYes. 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. 8 of 8 Questions: Call (702) 242-7700 or 1-[PHONE REDACTED] or visit us at If you aren’t clear about any of the underlined terms used in this form, see the Glossary. You can view the Glossary at cms.gov/CCIIO/Resources/Files/Downloads/uniform-glossary-final.pdf or call the phone number above to request a copy.