Page 85 - Down East Wood Ducks 2022 Benefits Guide

Summary of Benefits and Coverage: What this Plan Covers & What You Pay For Covered Services Coverage Period: 01/01/2019 - 12/31/2019

Highmark Blue Cross Blue Shield: MLFOP Option 3 Coverage for: Individual/Family Plan Type: PPO

The Summary of Benefits and Coverage (SBC) document will help you choose a health plan. The SBC shows you how you and the plan would
share the cost for covered health care services. NOTE: Information about the cost of this plan (called the premium) will be provided separately.
This is only a summary. For more information about your coverage, or to get a copy of the complete terms of coverage, please visit www.highmarkbcbs.com or call

1-800-701-2324. For general definitions of common terms, such as allowed amount, balance billing, coinsurance, copayment, deductible, provider, or other

underlined terms see the Glossary. You can view the Glossary at www.HealthCare.gov/sbc-glossary/ or call 1-800-701-2324 to request a copy.

Important Questions Answers Why this Matters:

What is the overall $1,500 individual/$3,000 family network. Generally, you must pay all of the costs from providers up to the deductible amount
deductible? $3,000 individual/$6,000 family out-of- before this plan begins to pay. If you have other family members on the plan, each
network. family member must meet their own individual deductible until the total amount of
Are there services deductible expenses paid by all family members meets the overall family deductible.
covered before you meet Network deductible does not apply to
your deductible? office visits, preventive care services, This plan covers some items and services even if you haven’t yet met the deductible
second surgical opinion, emergency amount. But a copayment or coinsurance may apply. For example, this plan covers
room care, emergency medical certain preventive services without cost-sharing and before you meet your deductible.
transportation, urgent care, outpatient See a list of covered preventive services at
mental health, outpatient substance https://www.healthcare.gov/coverage/preventive-care-benefits/.
abuse, inpatient mental health, inpatient
substance abuse, hospice service, and
prescription drug benefits.

Are there other deductibles Copayments and coinsurance amounts You must pay all of the costs for these services up to the specific deductible amount
for specific services? don't count toward the network before this plan begins to pay for these services.
deductible.
What is the out-of-pocket limit The out-of-pocket limit is the most you could pay in a year for covered services. If you
for this plan? Prescription drugs $150 individual/ have other family members in this plan, they have to meet their own out-of-pocket
$450 family. limits until the overall family out-of-pocket limit has been met.
There are no other specific deductibles.

$2,000 individual/$4,000 family network
out-of-pocket limit, up to a total
maximum out-of-pocket of $6,350
individual/$12,700 family.
$4,000 individual/$8,000 family out-of-
network

An example of a benefit book can be found at https://shop.highmark.com/sales/#!/sbc-agreements. 1 of 10