UNM Medical Plan. summary of benefits. Effective: July 1, 2012
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1 UNM Medical Plan summary of benefits Effective: July 1, 2012 Offered by The Regents of the University of New Mexico Administered by Lovelace Insurance Company administered by
2 ANNUAL PLAN YEAR DEDUCTIBLE (Deductible must be met for services subject to the deductible before benefits are paid) ANNUAL PLAN YEAR OUT-OF- POCKET MAXIMUM (Does not include Deductible, certain Co-pays, charges above Reasonable and Customary or noncovered charges including charges incurred after the benefit maximum has been reached) Individual: $200 Family: $600 Individual: $1,750 Family: $4,750 Individual: $750 Family: $2,250 Individual: $5,000 Family: $15,000 ANNUAL and MAXIMUM LIFETIME BENEFIT Unlimited Pre-Existing Condition Exclusion None P ROVIDER/P RACTITIONER SERVICES including: Non-specialist office visits (non-preventive) $20 Co-pay per visit Specialist office visits (non-preventive) Outpatient surgery (in Provider/Practitioner s office) Allergy services Testing and Extract Injections Only (no office visit billed) $50 Co-pay $50 Co-pay Injections such as insulin, heparin and antibiotics Infertility services diagnosing only Non-specialist office visits $20 Co-pay per visit Specialist office visit HOSPITAL SERVICES Inpatient (1) Coverage includes: Room and board Newborn delivery and other hospital obstetrical services In-hospital Provider/Practitioner visits, Surgeons, Anesthesiologist and other Inpatient services Detoxification Administration of blood/blood components FOOTNOTES: (1) Benefit Certification may be required. (2) Not Included in the OOP Max. (3) Not Subject to the Deductible. (4) MultiPlan/PHCS Providers are considered to be In-Network for claims payment purposes. Prior to receiving services from MultiPlan/PHCS Providers, please work with the MultiPlan/PHCS provider in obtaining Benefit Certification.
3 MEDICAL SERVICES Outpatient Surgeries (1) Hosp/ASC Pro Fees X-ray, laboratory, and diagnostic tests Preventive Non-preventive Colonoscopy Non-preventive Radiation therapy (non-surgical) In Provider/Practitioner s office Outpatient facility Chemotherapy In Provider/Practitioner s office Outpatient facility Computed Axial Tomography (CAT) Scans (1) Positron Emission Tomography (PET) Scans (1) Magnetic Resonance Imaging (MRI) tests (1) Sleep studies Administration of blood/blood components RECONSTRUCTIVE SURGERY 1 Based on services provided Based on services provided Based on services provided EMERGENCY ROOM CARE Including Trama Services $150 Co-pay per visit $150 Co-pay per visit $150 Co-pay per visit URGENT CARE AMBULANCE SERVICES including: Emergency or high risk Ground and Air ambulance Inter-facility transfer services Ground and Air ambulance CLINICAL PREVENTIVE SERVICES Includes: Well child care including vision and hearing screening Preventive physical exam Adult and child immunizations Office based health education Family planning services Cytologic screening (Pap smear) Human Papillomavirus (HPV) screening HPV Vaccine for females nine to 14 years of age Mammography Colonoscopy $75 Co-pay per visit $75 Co-pay per visit Applies to In-Network Benefit Applies to In-Network Benefit
4 WOMEN S HEALTH CARE Preventive Gynecological care Preventive see Clinical Preventive Services Non-preventive Non-specialist Specialist (includes Perinatologist) $20 Co-pay per visit Implantable contraceptive device Included in office visit Co-pay Included in office visit Co-pay Obstetrical/Maternity/Prenatal and Postnatal care (excludes delivery) $20 Co-pay for first visit only. (Plan pays 100% thereafter) $25 Co-pay for first visit only. (Plan pays 100% thereafter) DIABETES SERVICES Office visit and Diabetes Education Non-specialist $20 Co-pay per visit Specialist Diabetes supplies (1) (If purchased through a Durable Medical Equipment Provider). Other Diabetic Supplies are covered under the Express Scripts Prescription Drug Benefit.) Not Available PRESCRIPTION DRUGS Administered by Express Scripts. Call Express Scripts at MENTAL HEALTH SERVICES Outpatient (1) Inpatient/Partial Hospitalization (1) $30 Co-pay per visit ALCOHOL AND SUBSTANCE ABUSE SERVICES Rehabilitation Outpatient (1) Inpatient/Partial Hospitalization (1) Detoxification Outpatient (1) Inpatient/Partial Hospitalization (1) REHABILITATION AND THERAPY SERVICES Cardiac rehabilitation (36 visits per Annual Plan Year) Dialysis/Plasmapheresis/ Photopheresis Pulmonary rehabilitation (up to 24 visits per Annual Plan Year) Short-term rehabilitation Physical therapy (up to 30 visits per Annual Plan Year) Occupational therapy (up to 20 visits per Annual Plan Year) Speech and Hearing therapy (up to 20 visits per Annual Plan Year)
5 TRANSPLANTS (1) COMPLEMENTARY THERAPIES (LIMITED) Acupuncture treatment (20 visits per Annual Plan Year) Chiropractic services (20 visits per Annual Plan Year) Not Available SKILLED NURSING FACILITY (1) (Up to 60 days per Annual Plan Year) HOME HEALTHCARE SERVICES/ HOME INTRAVENOUS SERVICE (1) Services provided by an RN, LPN and other specified specialist to include, but not limited to home IV services (up to 100 days per Annual Plan Year) HOSPICE CARE (1) LoboCare services limited to Pediatric Hospice only. DURABLE MEDICAL EQUIPMENT, PROSTHETICS, ORTHOTICS AND APPLIANCES 1 Hearing Aids (for school-aged children under age 18 or 21 years of age if still attending high school). Up to $2,200 every 36 months per hearing-impaired ear Not Available Not Available Not Available EYEGLASSES AND CONTACT LENSES Limited to the following: Eyeglasses and contact lenses within 12 months following cataract surgery or for the correction of Keratoconus (1) Refraction eye exam associated with post-cataract surgery or Keratonconus correction DENTAL SERVICES (LIMITED)/ CMJ/TMJ FAMILY, INFANT AND TODDLER PROGRAM Family, Infant and Toddler Program (FIT): Medically Necessary early intervention services provided as part of an individualized family service plan and delivered by certified and licensed personnel as defined in NMAC Title 7, Chapter 30, Part 8 Health Family & Children Health Care Services. $3,500 per Participant per Plan Year Maximum annual benefit Not applicable to any lifetime maximums or annual limits FOOTNOTES: (1) Benefit Certification may be required. (2) Not Included in the OOP Max. (3) Not Subject to the Deductible. (4) MultiPlan/PHCS Providers are considered to be In-Network for claims payment purposes. Prior to receiving services from MultiPlan/PHCS Providers, please work with the MultiPlan/PHCS provider in obtaining Benefit Certification.
6 Exclusions and Limitations EXCLUSIONS Refer to the UNM Medical Plan Benefit Booklet for a complete listing of Plan Exclusions. Your Plan provides coverage for Medically Necessary and/or services Pre-Authorized by the Plan Medical Director. Your Plan does not provide coverage for the following, except as required by law: Alternative treatments including but not limited to aroma, massage or hypno therapy Any treatment, procedure, service, facility, equipment, drugs, drug usage, device or supply determined not to be Medically Necessary, except for those that are Authorized by the Plan Artificial aids including but not limited to hearing aids, devices or computers to assist in communication or speech except as required by law Benefits and services not specified as Covered in this document or the UNM Medical Plan Benefit Booklet Care for military service-connected disabilities for which the Participant is legally entitled to and for which facilities are reasonably available to the Participant Charges that are determined to be unreasonable by the Plan Cosmetic surgery or treatment except as Authorized by the Plan or as listed in the UNM Medical Plan Benefit Booklet Custodial, domiciliary or respite care Dental care, except as required by law and as written in the UNM Medical Plan Benefit Booklet Diapers and incontinence supplies Expenses for services for which you have no legal responsibility to pay, or for which a charge would not ordinarily be made in the absence of coverage under this Plan Experimental services, investigational or unproven procedures or protocols, including drugs or equipment, except as required by law Foot care including but not limited to cutting or removal of corns/calluses, nail trimming, cutting or debriding Infertility & reproductive services/procedures including but not limited to In-vitro, GIFT, ZIFT, surrogate parenting, reversal of voluntary sterilization, donor egg or sperm retrieval and storage Immunizations, inoculations, exams, and other related services required for licensing, employment, marriage, insurance or travel purposes Infant or baby food/formula or breast milk or other regular grocery products that can be processed for oral or tube feedings Medical or surgical services for the treatment or control of obesity, including (but not limited to) bariatric surgery Nursing home care, except those services Authorized by the Plan and provided in a Plan approved skilled nursing facility Orthopedic shoes and foot orthotics, unless determined to be Medically Necessary for the treatment of diabetes Outpatient prescription drugs.for Prescription drug information, please refer to your Express Scripts benefit materials. Repairs for Durable Medical Equipment (DME), prosthetic or orthotic devices that were not provided by the Plan Services and procedures for sexual transformation Services for which other coverage is required to provide through other arrangements, including but not limited to workers compensation, automobile insurance or similar coverage Services of a provider which are not within his/her scope of practice EXCLUSIONS (continued) Services/benefits related to the treatment of mental illness and substance abuse conditions that are not described in the Benefits and Services or Limitations sections of the UNM Medical Plan Benefit Booklet; Excluded services/benefits include but are not limited to residential treatment center (RTC) and treatment foster care (TFC) services Travel, lodging and other related expenses, except as defined in the UNM Medical Plan Benefit Booklet Treatment for sexual dysfunction, including but not limited to medications, counseling and clinics Treatment or services provided in connection with or to comply with involuntary commitments, police detention, court-orders or other similar arrangements Vision/eye refractive services and optical appliances, except as required by law and as written in the UNM Medical Plan Benefit Booklet Vitamins (except Medically Necessary prenatal vitamins), minerals, food supplements (except Special Medical Foods as outlined in the UNM Medical Plan Benefit Booklet) Vocational rehabilitation services Weight loss, physical conditioning programs or exercise programs of any type LIMITATIONS Refer to the UNM Medical Plan Benefit Booklet for a complete listing of Plan Limitations. Your plan has limited coverage for the following services: Acupuncture Ambulance service Cardiac Rehabilitation Chiropractic services Circumstances beyond the Plan s control Consumable medical supplies Craniomandibular joint (CMJ) and temporomandibular joint (TMJ) dysfunction conditions surgical and non-surgical treatment of TMJ is covered when Medically Necessary and Authorized by the Plan Medical Director as required Durable Medical Equipment (DME) External Prosthetic Appliances (EPA) Family planning evaluation and treatment services Growth Hormone therapy Home Health Services Infertility Diagnostic Services Long-term rehabilitative therapy Organ transplants, immunosuppressive drugs and transplant related travel and lodging Outpatient Substance Abuse Services Physical, Occupational and Speech Therapy Podiatric services Pulmonary Rehabilitation Skilled nursing and Rehabilitation services Tobacco cessation Vision and hearing screening/care MCM20052 Out-of-Network services are subject to Annual Deductible and reimbursement/payment is limited to reasonable/usual and customary (U&C) charges. U&C refers to the rates that prevail in the area where the services are obtained. Participant is responsible for paying 100% of charges that exceed the U&C amount.
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