Page 13 - HarborLight CU 2014-15 SPD
P. 13
rce of Payments
Benefits for covered services and expenses under the Benefit Program(s) listed above are paid
by the Insurer and are guaranteed under the insurance contracts. Any cost-sharing provisions,
such as your deductible, co-payment, or coinsurance, are set forth in the materials furnished by
the Insurer.
Any required premiums for coverage will be shown in your enrollment materials. Your premiums
will be deducted from your pay on a pre-tax basis.
Opt-Out Credits
If you have medical coverage elsewhere—for example, through a spouse’s plan—you may elect
to opt out (choose no coverage) under this Plan and receive opt-out credits, as described in
your enrollment materials.
Limitations and Exclusions
The materials for each Benefit Program contain information about limitations on benefits,
(including any restrictions on expenses that can be reimbursed from an HRA, if applicable),
covered preventive care services, prescription drugs, pre-authorizations required, utilization
reviews required, obtaining emergency care, exclusions and expenses not covered, medical
tests and procedures covered, any limits or caps on certain coverage, and relative costs for in-
network and out-of-network services.
Continuation of Health Care Coverage through COBRA
If your health care coverage under the Plan ends for reasons other than the Employer’s
termination of all coverage under the Plan, you and/or your eligible dependents may be eligible
to elect to continue coverage under the Consolidated Omnibus Budget Reconciliation Act
(“COBRA”). Health care coverage may continue at your own expense for a specific length of
time. See the section entitled “Your HIPAA/COBRA Rights” for additional information. Please
note that if your Employer has less than 20 employees, Federal COBRA legislation may not
apply to you, but you may instead be eligible for COBRA benefits available through your state.
Contact your Insurer for additional information as these provisions vary from state to state.
For More Information
If you have a question about a covered service, or for more information about a specific
procedure, coverage of new drugs, tests, or experimental or investigative treatments, you
should consult the materials furnished by the Insurer for the coverage in which you are enrolled.
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Benefits for covered services and expenses under the Benefit Program(s) listed above are paid
by the Insurer and are guaranteed under the insurance contracts. Any cost-sharing provisions,
such as your deductible, co-payment, or coinsurance, are set forth in the materials furnished by
the Insurer.
Any required premiums for coverage will be shown in your enrollment materials. Your premiums
will be deducted from your pay on a pre-tax basis.
Opt-Out Credits
If you have medical coverage elsewhere—for example, through a spouse’s plan—you may elect
to opt out (choose no coverage) under this Plan and receive opt-out credits, as described in
your enrollment materials.
Limitations and Exclusions
The materials for each Benefit Program contain information about limitations on benefits,
(including any restrictions on expenses that can be reimbursed from an HRA, if applicable),
covered preventive care services, prescription drugs, pre-authorizations required, utilization
reviews required, obtaining emergency care, exclusions and expenses not covered, medical
tests and procedures covered, any limits or caps on certain coverage, and relative costs for in-
network and out-of-network services.
Continuation of Health Care Coverage through COBRA
If your health care coverage under the Plan ends for reasons other than the Employer’s
termination of all coverage under the Plan, you and/or your eligible dependents may be eligible
to elect to continue coverage under the Consolidated Omnibus Budget Reconciliation Act
(“COBRA”). Health care coverage may continue at your own expense for a specific length of
time. See the section entitled “Your HIPAA/COBRA Rights” for additional information. Please
note that if your Employer has less than 20 employees, Federal COBRA legislation may not
apply to you, but you may instead be eligible for COBRA benefits available through your state.
Contact your Insurer for additional information as these provisions vary from state to state.
For More Information
If you have a question about a covered service, or for more information about a specific
procedure, coverage of new drugs, tests, or experimental or investigative treatments, you
should consult the materials furnished by the Insurer for the coverage in which you are enrolled.
8
