Plan Limitations and Exclusions

Similar documents
Your Summary of Benefits ACO Flex

Annual copay maximum: Individual $500; Family $1,500 The following copay does not apply to the annual copay maximum: for infertility services

Your Summary of Benefits SISC 80-G $30 Anthem Classic PPO

Your Summary of Benefits SISC 80-E $20 Anthem Classic PPO

Your Plan: Marvell Blue Cross HDHP Your Network: BlueCard PPO

Your Summary of Benefits SISC 90-G $20 Anthem Classic PPO

PREFERRED CARE. combination of family members; however no single individual within the family will be subject to more than the individual

BlueChoice Opt-Out Open Access

PLAN FEATURES PREFERRED CARE

Optional PREFERRED CARE. Covered 100%; deductible waived. Covered 100%; deductible waived

Regence Engage Plan Highlights For Groups of /1/2016

Schedule of Benefits

WHAT DOES MEDICALLY NECESSARY MEAN?

MEDICAL PLAN EXCLUSIONS. For all Medical Benefits shown in the Schedule of Benefits, a charge for the following is not covered:

Optional PREFERRED CARE. Covered 100%; deductible waived. Covered 100%; deductible waived 30% after deductible

Optional PREFERRED CARE. Covered 100%; deductible waived. Covered 100%; deductible waived

CHAPTER 1 SECTION 1.1 EXCLUSIONS TRICARE POLICY MANUAL M, AUGUST 1, 2002 ADMINISTRATIVE. ISSUE DATE: June 1, 1999 AUTHORITY: 32 CFR 199.

Blue Cross Premier Bronze

Chapter 12 Benefits and Covered Services

Covered Services List

Schedule of Benefits

Chapter 1 Section 1.2

SCHEDULE A SMITHFIELD FOODS HEALTHCARE PROGRAM SUMMARY PLAN DESCRIPTION EXCLUSIONS

The Ins And Outs Of Coverage

PLAN DESIGN & BENEFITS ADMINISTERED BY AETNA LIFE INSURANCE COMPANY - SELF FUNDED

HEALTH SAVINGS ACCOUNT (HSA)

COVERED SERVICES LIST FOR HNE BE HEALTHY MEMBERS WITH MASSHEALTH STANDARD OR COMMONHEALTH COVERAGE

CA Group Business 2-50 Employees

Cigna Health and Life Insurance Company. Plan Benefits. Unlimited. Unlimited. Not applicable. Not applicable. Not applicable

Updated: 10/01/12 Page : 1

Aetna Fixed Indemnity Plan Helps pay for the costs of everyday medical expenses

NY EPO OA 1-09 v Page 1

High Deductible Health Plan - H S A PLAN DESIGN & BENEFITS ADMINISTERED BY AETNA LIFE INSURANCE COMPANY

SUMMARY OF BENEFITS. Your Valley Health System Network and CIGNA HealthCare Open Access Plus In-Network plan

SECTION II YOUR HEALTH BENEFITS

CHIP Perinatal Program Newborn Schedule of Benefits

CALIFORNIA Small Group HMO Aetna Health of California, Inc. Plan Effective Date: 04/01/2007. Aetna Value Network* HMO $30/$40

CERTIFICATE OF INSURANCE

Covered Benefits Rhody Health Partners ACA Adult Expansion

Covered Benefits Rhody Health Partners

PLAN DESIGN AND BENEFITS - PA POS 4.2 with $5/$15/$30 RX PARTICIPATING PROVIDERS

$10 copay. $10 copay. $10 copay $5 copay $10 copay $5 copay. $10 copay. No charge. No charge. No charge

MEMBER CERTIFICATE BCN 1 SCHEDULE OF BENEFITS

AETNA PPO PLAN COVERED DEPENDENTS UNDER 65

Covered (blood, blood components, human blood products, and their administration) Covered (Some restrictions)

THIS INFORMATION IS NOT LEGAL ADVICE

2016 Medical Plan Comparison Chart

Benefits are effective January 01, 2018 through December 31, 2018 PLAN DESIGN AND BENEFITS PROVIDED BY AETNA LIFE INSURANCE COMPANY

MEDICAL DENTAL. Abortion (legal) Ambulance Expenses. Arthritis Gloves. Artificial Limbs/Prosthetics

Schedule of Benefits

BlueChoice Opt-Out Open Access

UNM Medical Plan. summary of benefits. Effective: July 1, 2012

COVERED SERVICES FOR NHP MASSHEALTH MEMBERS

FAQS FOR UNIVERSITY OF SOUTH FLORIDA BUSINESS TRAVELERS

SUMMARY OF BENEFITS Your CIGNA HealthCare Indemnity plan

RFS-7-62 ATTACHMENT E INDIANA CARE SELECT PROGRAM DESCRIPTION AND COVERED BENEFITS

Kaiser Foundation Health Plan, Inc. A NONPROFIT HEALTH PLAN - HAWAII REGION

Smart Start. Level of cover with Australian Unity. Cover availability. Excess options. Hospital and Extras Cover Effective from 15 December 2017 $100

2017 Summary of Benefits

Schedule of Benefits

Schedule of Benefits

Protection Series Recovery Care Insurance Plans

FREEDOM BLUE PPO R CO 307 9/06. Freedom Blue PPO SM Summary of Benefits and Other Value Added Services

Blue Shield High Deductible Plan

SUMMARY OF BENEFITS. It's Your Health. Features that Add Value. You Can Depend on CIGNA HealthCare. Quality Service Is Part of Quality Care

Provider Manual Section 7.0 Benefit Summary and

Your Summary of Benefits Premier HMO

Chapter 7 Inpatient and Outpatient Hospital Care

Group Hospitalization and Medical Services, Inc.

Benefits and Premiums are effective January 01, 2018 through December 31, 2018 PLAN DESIGN AND BENEFITS PROVIDED BY AETNA HEALTH PLANS INC.

BlueChoice HMO Open Access HRA/HSA

2018 CareOregon Advantage Plus (HMO-POS SNP) Summary of Benefits

Platinum Local Access+ HMO $25 OffEx

Open Access PLAN DESIGN

Aetna Health of California, Inc.

special needs plan (hmo snp) MEDICARE advantage plan summary of benefits Serving Members in Douglas & Klamath Counties

Benefits and Premiums are effective January 01, 2018 through December 31, 2018 PLAN DESIGN AND BENEFITS PROVIDED BY AETNA LIFE INSURANCE COMPANY

New to Medicaid? 22 Medicaid Services You Should Know About

Benefits and Premiums are effective January 01, 2018 through December 31, 2018 PLAN DESIGN AND BENEFITS PROVIDED BY AETNA LIFE INSURANCE COMPANY

Gold Access+ HMO 500/35 OffEx

Single/Family $2,500/$5,000 $5,000/$10,000. Single/Family $6,000/$12,000 $10,000/None. Single/Family $5,000/$10,000 $6,250/$12,500

KP Platinum $ Benefits Summary SAMPLE. Section Benefits You pay Supplemental charges

MEDICARE By Peter G. Pan

Platinum Trio ACO HMO 0/20 OffEx

Benefit Explanation And Limitations

SmartSaver. A Medicare Advantage Medical Savings Account Plan. Summary of Benefits and Other-Value Added Services. From Blue Cross of California

Preferred Providers In-Network You Pay 1. None None None None $1,000 $2,000 $2,000 $2,000. No charge* No charge* No charge* No charge*

Medi-Cal Program. Benefit. Benefits Chart

NCD for Routine Costs in Clinical Trials (310.1)

Gold Access+ HMO $30 OffEx Benefit Summary (For groups 1 to 50) (Uniform Health Plan Benefits and Coverage Matrix)

Excellus Blue PPO Signature Hybrid 1

SUMMARY OF BENEFITS. Features that Add Value. It's Your Health. You Can Depend on CIGNA HealthCare. It's Your Choice

Benefits. Benefits Covered by UnitedHealthcare Community Plan

T M A V e r s i o n TABLE OF CONTENTS PART DEFINITIONS

Excellus BluePPO Signature Deduct 3

The following benefit is being added: Behavioral health treatment applied behavior analysis (ABA)

SUMMARY OF BENEFITS. Hamilton County Department of Education Network Copay Plan. Connecticut General Life Insurance Co.

Smart Choice. Level of cover with Australian Unity. Excess options. Cover availability. Hospital and Extras Cover Effective from 15 February 2018 $500

Kaiser Permanente Group Plan 301 Benefit and Payment Chart

BENEFIT PLAN. What Your Plan Covers and How Benefits are Paid. Appendix A. Prepared Exclusively for The Dow Chemical Company

Transcription:

Plan Limitations and Exclusions These medical plans do not cover all health care expenses and they all include limitations and exclusions. The following material is for informational purposes only and it contains a partial and general description of services and supplies that are generally not covered under this type of coverage. Because this a partial and general description your plan documents can differ and include as cover some of the exclusions included in this material or as excluded or with different limitations some services not mentioned in this material. Members should refer to their plan documents to determine which health care services are covered and to what extent. Services and supplies that are generally not covered include, but are not limited to: Charges for services rendered by Relatives Charges for professional services received from a person who lives in the Member s home or who is related to the Member by blood, marriage or adoption. Charges for Unlisted Services Charges for services and supplies not specifically listed in this Booklet-Certificate as Covered Medical Expenses. Charges for Ambulance Services For routine transportation to receive outpatient, inpatient or professional services. Charges for Court ordered services Charges for court ordered services or those required by court order as a condition of parole or probation, other than for medically Necessary services provided by Preferred Care Providers. Charges for routine immunizations Charges for routine immunizations, unless otherwise specified in this Booklet-Certificate. Charges for immunizations Charges for immunizations, including those required by foreign travel for covered persons of any age, except as otherwise described in this Booklet-Certificate. Cosmetic Surgery Cosmetic surgery or other services that are performed to alter or reshape normal structures of the body in order to improve appearance. Cosmetic surgery does not include reconstructive breast surgery following a mastectomy, including (1) all stages of reconstruction of the breast on which the mastectomy has been performed; (2) surgery and reconstruction of the other breast to produce a symmetrical appearance; and (3) prostheses and treatment of physical complications at all stages of mastectomy, including lymphedemas, in a manner determined by the attending physician and patient to be appropriate.

Custodial Care Custodial care is care that does not require the services of trained medical or health professionals, such as, but not limited to, help in walking, getting in and out of bed, bathing, dressing preparation and feeding of special diets, and supervision of medications which are ordinarily self-administered. Domiciliary, or rest cures for which facilities, and/or services of a general acute hospital are not medically required including resident treatment centers are also excluded. Dental Services Dental services, including dentures, bridges, crowns, caps, clasps, habit appliances, partials, or other dental prostheses, dental services, extraction of teeth or treatment to the teeth or gums. Dental Implants: materials implanted into or on bone or soft tissue or any associated procedure as part of the implantation or removal of implants. Orthodontic Services: Braces, other orthodontic treatment appliances, orthodontic services. Diagnostic Admissions Diagnostic admissions, inpatient room and board charges in connection with a hospital stay primarily for diagnostic tests which could have been performed safely on an outpatient basis. Educational Services Educational services, except as specifically provided or arranged by Aetna. Excess Amounts Any amounts in excess of the maximum amounts shown in the Summary of Coverage. Experimental Any medical, surgical and /or other procedures, services, products, drugs or devices including implants, whose use is mainly limited to laboratory and /or animal research. Aetna has the sole discretion to make this determination. Food or Dietary Supplements Food or dietary supplements, except for formulas and special food products as specifically stated under the section Phenylketonuria (PKU) in this Booklet-Certificate. They must be prescribed by a physician in consultation with a metabolic disease specialist and deemed Necessary to prevent complications of PKU. Coverage is only to the extent that the prescribed formulas and special food products exceeded the cost of a normal diet. Genetic Testing Charges for counseling or services. Government Services Any services provided by a local, state or federal government agency except when payment under this Plan is expressly required by federal or state law.

Hearing Tests (Routine) Routine hearing tests except where provided for under this Booklet-Certificate. Infertility Treatment Any services or supplies furnished in connection with the diagnosis and treatment of infertility, including but not limited to, diagnostic tests, medication, surgery, artificial insemination, in vitro fertilization, sterilization reversal, and gamete intrafallopian transfer. Investigational Any medical, surgical and /or other procedures, services, products, drugs or devices (including implants): (a) which do not have final approval from the appropriate governmental regulatory body; or (b) which are not supported by scientific evidence which permits conclusions concerning the effect of the service, drug or device on health outcomes; or (c) which do not improve the health outcome of the patient treated; or (d) which are not beneficial as any established alternative; or (e) whose results outside the investigational setting cannot be demonstrated or duplicated; or (f) which are not generally approved or used by physicians in the medical community. Aetna has the sole discretion to make this determination. Mental or Nervous Disorders and Substance Abuse Treatment of Mental or Nervous Disorders and Substance Abuse, including nicotine use or psychological testing, except as specified in this Booklet-Certificate with respect to treatment of Serious Mental Illness and related alcoholism and drug dependency. Non-Duplication of Medicare Any services to the extent that you are entitled to receive Medicare benefits for those services, whether or not Medicare benefits are actually paid. Any services for which payment may be obtained from any local, state or federal government agency. If you are eligible for Part B of Medicare and do not enroll in it, we will still reduce the benefits payable under this Plan as if you were enrolled in Part B, and Medicare Part B benefits were paid. Veteran s Administration Hospitals and Military Treatment Facilities will be considered for payment according to current legislation. Not Medically Necessary Charges for services or supplies that are not defined as medically Necessary. Nutritional Counseling, except for Diabetes. Orthotics Outpatient Speech Therapy Outpatient speech therapy, except following surgery, injury or non-congenital organic disease.

Personal Comfort Items Items which are furnished primarily for your personal comfort or convenience, air purifiers, air conditioners, humidifiers, exercise equipment, treadmills, spas, elevators, and supplies for comfort, hygiene or beautification. Pre-existing Conditions No payment will be made for services or supplies for the treatment of a Pre-Existing Condition during a period of twelve (12) months following your effective date, (six [6] months in the state of California). However, this limitation does not apply to a child born to or newly adopted by an enrolled subscriber or spouse. Also, if you were covered under Creditable Coverage as defined by the regulations within 63 days of becoming covered under this Plan, the time spent under the Qualifying Prior Coverage will be used to satisfy, or partially satisfy, the twelve (12) month period, (six [6] month period in the state of California). Private Duty Nursing. S.A.D. Seasonal Affective Disorder Light treatment for Seasonal Affective Disorder (S.A.D.) Sex Changes Charges for procedures or treatments, to change characteristics of the body to those of the opposite sex. This includes any medical, surgical or psychiatric treatment or study related to sex changes. Telephone and Facsimile Consultations Charges for consultations provided by telephone, or facsimile machines. Vision Care Charges for optometric services, eye exercises including orthoptics, eyeglasses, contact lenses, routine eye exams and routine eye refractions, except as specifically stated under the benefit sections of this Booklet Certificate. Certain Eye Surgeries: Any eye surgery solely for the purpose of correcting refractive defects of the eye such as nearsightedness (myopia), astigmatism and /or farsightedness (presbyopia). Lasik surgery and any other procedures designed to surgically correct refractory conditions. War Conditions caused by an act of war, including those caused by the inadvertent release of nuclear energy when government funds are available for treatment of illness or injury arising from such release of nuclear energy. Weight Reduction Charges for services primarily for weight reduction, treatment of obesity, or any care which involves weight reduction as a main method of treatment except medically Necessary treatment of morbid obesity with Aetna's prior authorization.

Worker s Compensation Any condition for which benefits are recovered or can be recovered, either by any workers compensation law, employer s liability law or work related disease law. Not Covered Charges for Covered Medical Expenses incurred before the Member's Effective Date or during an inpatient stay that began before the Member's Effective Date. Charges for Covered Medical Expenses incurred after the Member's coverage ends. Charges in excess of any Negotiated Charge for a service or supply. Charges for services exceeding the amount of benefits available for a particular service. Charges for services provided when a premium is past due, and the payment has not been received. Charges for services received by an individual who is not eligible for benefits.