HEALTH SAVINGS ACCOUNT (HSA)

Transcription

1 HSA FEATURES Health Savings Account Amount $600 Employee $1,000 Family Amount contributed to the HSA by the employer. Funded on a quarterly basis. HSA amount reflected is on a per calendar year basis. The HSA received may be prorated based on your effective date of coverage. Maximum Contribution $3,300 Employee $6,550 Family The combined maximum that you and your employer can contirbute. You can contribute up to the maximum allowable limit on a pre-tax basis through payroll deduction OR by making a deposit to your HSA through the PayFlex site. Employee Termination from Aetna Health Savings HSA Rollover Annual Maximum Rollover HSA is yours, which means if you change employers or leave the work force, the HSA stays with you. Any remaining HSA benefit amount at end of plan year is rolled over into next years HSA benefit amount. No maximum rollover applies. All remaining funds at plan year end rollover. Cumulative Maximum Rollover No maximum rollover applies. All remaining funds rollover. Eligible HSA Expenses Member may use HSA dollars towards eligible Medical, Pharmacy, Dental and Vision expenses. Or deposit in a mutual fund for longterm savings HSA Payment/Assignment Network Providers: Member may assign payment to provider. Non-Network Providers: Member may assign payment to provider. Pro-ration for New Employees Pro-ration for Family Status Change Quarterly No pro-ration. Change to new tier based on new employee status. PLAN FEATURES Deductible (per calendar year) $1,300 Employee $1,300 Employee $2,500 Family $2,500 Family All covered expenses, including prescription drugs, accumulate toward both the preferred and non-preferred Deductible. Unless otherwise indicated, the Deductible must be met prior to benefits being payable. Once Family Deductible is met, all family members will be considered as having met their Deductible for the remainder of the calendar year. Plan Coinsurance Applies to all expenses unless otherwise stated. Member Payment Limit 80% $2,000 Employee 60% $2,000 Employee (per calendar year) $4,000 Family $4,000 Family Includes Deductible All covered expenses, including prescription drugs after has been met, accumulate toward both the preferred and non-preferred Payment Limit. Certain member cost sharing elements may not apply toward the Payment Limit. Only those out-of-pocket expenses resulting from the application of coinsurance percentage, s, and prescription drug copays (except any penalty amounts) may be used to satisfy the Payment Limit. Once Family Payment Limit is met, all family members will be considered as having met their Payment Limit for the remainder of the calendar year. Lifetime Maximum Primary Care Physician Selection Unlimited except where otherwise Optional Unlimited except where otherwise Not applicable Certification Requirements - Certification for certain types of Non-Preferred care must be obtained to avoid a reduction in benefits paid for that care. Certification for Hospital Admissions, Treatment Facility Admissions, Convalescent Facility Admissions, Home Health Care, Hospice Care and Private Duty Nursing is required - excluded amount applied separately to each type of expense is $400 per occurrence. Referral Requirement None None Page 1

2 PREVENTIVE CARE Routine Adult Physical Exams/ Immunizations 1 exam per 12 months Routine Well Child Exams/Immunizations 7 exams in the first 12 months of life, 3 exams in the second 12 months of life, 3 exams in the third 12 months of life, 1 exam per 12 months thereafter to age 18 Routine Gynecological Care Exams Includes routine tests and related lab fees; 1 exam per calendar year Routine Mammograms 1 baseline mammogram at age 35. One mammogram per calendar year thereafter Women's Health Includes: Screening for gestational diabetes, HPV (Human Papillomavirus) DNA testing, counseling for sexually transmitted infections, counseling and screening for human immunodeficiency virus, screening and counseling for interpersonal and domestic violence, breastfeeding support, supplies and counseling. Contraceptive methods, sterilization procedures, patient education and counseling. Limitations may apply. Routine Digital Rectal Exam / Prostatespecific Antigen Test For covered males age 40 and over; 1 exam per calendar year Colorectal Cancer Screening (no age or frequency limitation) Routine Hearing Exams 1 routine exam per 24 months Hearing Aids Limited to $600 per calendar year PHYSICIAN SERVICES Office Visits to PCP Includes services of an internist, general physician, family practitioner or pediatrician. Specialist Office Visits Pre-Natal Maternity Maternity Delivery and Post Partum Care Hearing Exams 1 routine exam per 24 months Hearing Aids Limited to $600 per calendar year Allergy Testing Allergy Injections DIAGNOSTIC PROCEDURES Diagnostic Laboratory and X-ray If performed as a part of a physician office visit and billed by the physician, expenses are covered subject to the applicable physician's office visit member cost sharing Diagnostic X-ray for Complex Imaging Services EMERGENCY MEDICAL CARE Urgent Care Provider Non-Urgent Use of Urgent Care Provider Emergency Room Not Covered Not Covered Non-Emergency care in an Emergency Room 50% after 50% after Page 2

3 Ambulance HOSPITAL CARE Inpatient Coverage Stantec Consulting Services and Affillated Companies Inpatient Maternity Coverage Outpatient Surgery Outpatient Hospital Expenses (excluding surgery) The member cost sharing applies to all Covered Benefits incurred during a member's outpatient visit MENTAL HEALTH SERVICES Inpatient Outpatient The member cost sharing applies to all covered benefits incurred during a member's outpatient visit ALCOHOL/DRUG ABUSE SERVICES Inpatient Outpatient The member cost sharing applies to all Covered Benefits incurred during a member's outpatient visit OTHER SERVICES Convalescent Facility Limited to 120 days per calendar year. The member cost sharing applies to all covered benefits incurring during a member's inpatient stay Home Health Care Each visit by a nurse or therapist is one visit. Each visit up to 4 hours by a home health care aide is one visit. Hospice Care - Inpatient Hospice Care - Outpatient The member cost sharing applies to all covered benefits incurred during a member's outpatient visit Private Duty Nursing - Outpatient (Limited to 70 eight hour shifts per calendar year) Each period of private duty nursing of up to 8 hours will be deemed to be one private duty nursing shift. Each visiting nurse care or private duty nursing care shift of 4 hours or less counts as one home health visit. Each such shift of over 4 hours and up to 8 hours counts as two home health care visits. Outpatient Short-Term Rehabilitation Includes Physical Therapy limited to 60 visits per plan year; Speech and Occupation Therapy unlimited visits per plan year; Subject to medical necessity Spinal Manipulation Therapy Limited to 20 visits per calendar year; not subject to medical necessity Acupuncture Therapy Limited to 10 visits per calendar year Durable Medical Equipment Includes foot orthotics and supportive devices for the feet. Diabetic Supplies Generic FDA-approved Women s Contraceptives Contraceptive drugs and devices not obtainable at a pharmacy (includes coverage for contraceptive visits) 80% (payable as any other covered expense) after 60% (payable as any other covered expense) after Page 3

4 Transplants Mouth, Jaws and Teeth (oral surgery procedures, medical in nature) Out of Area Dependents FAMILY PLANNING Infertility Treatment Stantec Consulting Services and Affillated Companies 80% Preferred coverage is provided 60% Non-Preferred coverage is at an IOE contracted facility only; after provided at a Non-IOE facility; after Coverage provided at the non-preferred benefit level of the plan; after Diagnosis and treatment of the underlying medical condition. Vasectomy Tubal Ligation PHARMACY The full cost of the drug is applied to the before benefits are considered for payment under the pharmacy plan. Retail $5 copay for generic drugs, $30 copay 60% of submitted cost after $5 copay for formulary brand-name drugs, and for generic drugs, $30 copay for $60 copay for non-formulary brandname formulary brand-name drugs, and $60 drugs up to a 30 day supply at copay for non-formulary brand-name participating pharmacies. drugs up to a 30 day supply. Mail Order - mandatory mail order for maintenance medications. Get up to 2 fills at a retail pharmacy. After that, you must use Aetna Rx Home Delivery or a CVS retail pharmacy. $10 copay for generic drugs, $60 copay for formulary brand-name drugs, and $120 copay for nonformulary brand-name drugs up to a day supply from Aetna Rx Home Delivery or Retail CVS Location Preventive Medications - Deductible is waived for certain preventive medications. A full list of these drugs is available on Aetna Navigator or from your employer. Copays paid by the Fund for these drugs will not reduce the. Pharmacy Managed Self Injectables (PMSI) First prescription fill at any retail or mail order drug facility. Subsequent fills must be through Aetna Specialty Pharmacy Choose Generic with DAW Override- the member pays the applicable out of pocket cost. If the physician requires brand, member would pay brand name out of pocket cost. If the member requests brand-name when a generic is available, the member pays the applicable out of pocket cost plus the difference between the generic price and the brand-name price. Formulary generic FDA-approved Women s Contraceptives covered 100% in network. GENERAL PROVISIONS Dependents Eligibility Spouse, children from birth to age 26 Pre-existing Conditions Exclusion On effective date: Waived Not applicable Plan Includes: Contraceptive drugs and devices obtainable from a pharmacy, Diabetic supplies. Smoking cessation aids Precert for growth hormones included. Page 4

5 This plan does not cover all health care expenses and includes exclusions and limitations. Members should refer to their plan documents to determine which health care services are covered and to what extent. The following is a partial list of services and supplies that are generally not covered. However, your plan documents may contain exceptions to this list based on state mandates or the plan design or rider(s) purchased by your employer. All medical or hospital services not specifically covered in, or which are limited or excluded in the plan documents; Charges related to any eye surgery mainly to correct refractive errors; Cosmetic surgery, including breast reduction; Custodial care; Dental care and X-rays; Donor egg retrieval; Experimental and investigational procedures; Hearing aids; Immunizations for travel or work; Infertility services, including, but not limited to, artificial insemination and advanced reproductive technologies such as IVF, ZIFT, GIFT, ICSI and other related services, unless specifically listed as covered in your plan documents; Nonmedically necessary services or supplies; Orthotics; Over-the-counter medications and supplies; Reversal of sterilization; Services for the treatment of sexual dysfunction or inadequacies, including therapy, supplies, or counseling; and special duty nursing. Weight control services including surgical procedures, medical treatments, weight control/loss programs, dietary regimens and supplements, appetite suppressants and other medications; food or food supplements, exercise programs, exercise or other equipment; and other services and supplies that are primarily intended to control weight or treat obesity, including Morbid Obesity, or for the purpose of weight reduction, regardless of the existence of comorbid conditions. This material is for informational purposes only and is neither an offer of coverage nor medical advice. It contains only a partial, general description of plan benefits or programs and does not constitute a contract. Aetna does not provide health care services and, therefore, cannot guarantee results or outcomes. Consult the plan documents (i.e. Group Insurance Certificate and/or Group Policy) to determine governing contractual provisions, including procedures, exclusions and limitation relating to the plan. With the exception of Aetna Rx Home Delivery, all preferred providers and vendors are independent contractors in private practice and are neither employees nor agents of Aetna or its affiliates. Aetna Rx Home Delivery, LLC, is a subsidiary of Aetna Inc. The availability of any particular provider cannot be guaranteed, and provider network composition is subject to change without notice. Some benefits are subject to limitations or visit maximums. Certain services require precertification, or prior approval of coverage. Failure to precertify for these services may lead to substantially reduced benefits or denial of coverage. Some of the benefits requiring precertification may include, but are not limited to, inpatient hospital, inpatient mental health, inpatient skilled nursing, outpatient surgery, substance abuse (detoxification, inpatient and outpatient rehabilitation). When the Member s preferred provider is coordinating care, the preferred provider will obtain the precertification. When the member utilizes a non-preferred provider, Member must obtain the precertification. Precertification requirements may vary. Depending on the plan selected, new prescription drugs not yet reviewed by our medication review committee are either available under plans with an open formulary or excluded from coverage unless a medical exception is obtained under plans that use a closed formulary. They may also be subject to precertification or step-therapy. Non-prescription drugs and drugs in the Limitations and Exclusions section of the plan documents (received after open enrollment) are not covered, and medical exceptions are not available for them. While this information is believed to be accurate as of the print date, it is subject to change. Plans are administered by Aetna Life Insurance Company. Page 5