Empire Health Benefits PDF

ADP TOTALSOURCE: EMP-NY-PRISM EPO BPN 12
Summary of Benefits and Coverage: What this Plan Covers & What it Costs
Coverage Period: 6/1/2016 to 5/31/2017

Coverage for: Individual/Family | Plan Type: EPO
This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan
document at https://eoc.empireblue.com/eocdps/fi or by calling 1- 800-342-9816
Important Questions
Answers
What is the overall

deductible?
For in-network providers

$1,500 individual / $3,750 family
Are there other deductibles

for specific services?
Yes, see RX section
Is there an outofpocket
limit on my expenses?
For in-network providers

$3,500 individual / $8,750 family
What is not included in the

outofpocket limit?
Premiums, balance-billed charges, and

health care this plan doesnt cover.
Is there an overall annual

No.
limit on what the plan pays?
Why this Matters:

You must pay all the costs up to the deductible amount before this plan begins
to pay for covered services you use. Check your policy or plan document to see
when the deductible starts over (usually, but not always, January 1st). See the
chart starting on page 2 for how much you pay for covered services after you
meet the deductible.
You dont have to meet deductibles for specific services, but see the chart
starting on page 2 for other costs for services this plan covers.
The out-of-pocket limit is the most you could pay during a coverage period
(usually one year) for your share of the cost of covered services. This limit helps
you plan for health care expenses.
Even though you pay these expenses, they dont count toward the out-ofpocket limit.
The chart starting on page 2 describes any limits on what the plan will pay for
specific covered services, such as office visits.
If you use an in-network doctor or other health care provider, this plan will pay
some or all of the costs of covered services. Be aware, your in-network doctor
or hospital may use an out-of-network provider for some services. Plans use
the term in-network, preferred, or participating for providers in their
network. See the chart starting on page 2 for how this plan pays different kinds
of providers.
Does this plan use a

network of providers?
Yes. For a list of in-network

providers, see www.empireblue.com
or call 1- 800-342-9816
Do I need a referral to see a

specialist?
No.
You can see the specialist you choose without permission from this plan.
Are there services this plan

doesnt cover?
Yes.
Some of the services this plan doesnt cover are listed on page 5. See your
policy or plan document for additional information about excluded services.
Questions: Call 1- 800-342-9816 or visit us at www.empireblue.com

If you arent clear about any of the underlined terms used in this form, see the Glossary. You can view the Glossary
at www.empireblue.com or call 1- 800-342-9816 to request a copy.
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Copayments are fixed dollar amounts (for example, $15) you pay for covered health care, usually when you receive the service.
Coinsurance is your share of the costs of a covered service, calculated as a percent of the allowed amount for the service. For example, if
the plans allowed amount for an overnight hospital stay is $1,000, your coinsurance payment of 20% would be $200. This may change if
you havent met your deductible.
The amount the plan pays for covered services is based on the allowed amount. If an out-of-network provider charges more than the
allowed amount, you may have to pay the difference. For example, if an out-of-network hospital charges $1,500 for an overnight stay and
the allowed amount is $1,000, you may have to pay the $500 difference. (This is called balance billing.)
This plan may encourage you to use in-network providers by charging you lower deductibles, copayments and coinsurance amounts.
Common
Medical Event
If you visit a health

care providers office
or clinic
Services You May Need
Your Cost If
You Use an
In-network
Provider
Your Cost If
You Use an
Out-of-network
Provider
Primary care visit to treat an injury or illness $35/visit
Not Covered
Specialist visit
$50/visit
Not Covered
$50/visit
Not Covered
No Charge
Not Covered
Other practitioner office visit
Preventive care/screening/immunization
If you have a test
Diagnostic test (x-ray, blood work)

Imaging (CT/PET scans, MRIs)
Deductible and 20%

Coinsurance
Deductible and 20%
Coinsurance
Limitations & Exceptions

Copay will apply to visit services
(examinations and evaluations) in an
office; other services performed will
be subject to in-network coinsurance.
Certain preventive care services are
subject to age and frequency
limitations.
Not Covered
none
Not Covered
Precertification is required.

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Common
Medical Event
If you need drugs to

treat your illness or
condition
More information
about prescription
drug coverage is
available at
www.empireblue.com
If you have
outpatient surgery
If you need
immediate medical
attention
Your Cost If
You Use an
In-network
Provider
$10/prescription
retail and
Tier 1
$20/prescription
mail order
$35/prescription
retail and
Tier 2
$70/prescription
mail order
$70/prescription
retail and
Tier 3
$140/prescription
mail order
RX Deductible
$100
Deductible and 20%
Facility fee (e.g., ambulatory surgery center) Coinsurance

Your Cost If
You Use an
Out-of-network
Provider
Not Covered
Retail Pharmacy 30-day supply
Not Covered
Home Delivery 90-day supply

Essential Formulary
Not Covered
Not Covered
Waived for Tier 1 and Mail Order
Not Covered
Precertification is required
Precertification is required
Waived if admitted to the same
hospital within 24 hours.
Covered in-network, subject to
meeting "emergency" criteria.
When services are delivered by an
out-of-network land ambulance
provider that is not licensed under
the NY Public Health Law, you
may be required to pay up to the
difference between the reasonable
and customary allowed amount
and the providers total charges.
Physician/surgeon fees
No Charge
Not Covered
Emergency room services
$300/visit
$300/visit
Emergency medical transportation
No Charge
No Charge

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Common
Medical Event
If you have a
hospital stay
If you have mental

health, behavioral
health, or substance
abuse needs
If you are pregnant
Your Cost If
You Use an
In-network
Provider

Your Cost If
You Use an
Out-of-network
Provider
Urgent care
$50/visit
$50/visit

Facility fee (e.g., hospital room)
Deductible and 20%

Coinsurance
Not Covered
Physician/surgeon fee
Deductible and 20%

Coinsurance
Not Covered
none
Mental/Behavioral health outpatient

services
$35/visit
Not Covered
Mental/Behavioral health inpatient

services
Deductible and 20%

Coinsurance
Not Covered
Substance use disorder outpatient services
$35/visit
Not Covered
Substance use disorder inpatient services
Deductible and 20%

Coinsurance
Not Covered
Prenatal and postnatal care
Deductible and 20%

Coinsurance
Not Covered


none
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Common
Medical Event
Delivery and all inpatient services
Your Cost If
You Use an
In-network
Provider
Deductible and 20%
Coinsurance

Your Cost If
You Use an
Out-of-network
Provider
Not Covered

5 of 3

Common
Medical Event
Your Cost If
You Use an
In-network
Provider

Your Cost If
You Use an
Out-of-network
Provider

Limited up to 100 visits per calendar
year (a visit equals 4 hours of care).
Treatment maximums are combined
for in-network and out-of-network
care.
Occupational and speech therapy up
to 30 visits per person combined in
home, office or outpatient facility per
calendar year.
Physical therapy up to 30 visits
combined in home, office or
outpatient facility per calendar year.
All rehabilitation and habilitation
visits count toward your rehabilitation
visit limit.
Home health care
20% Coinsurance
Not Covered
Rehabilitation services
$50/visit
Not Covered
Habilitation services
$50/visit
Not Covered
Skilled nursing care
Deductible and 20%

Coinsurance
Not Covered
Limited up to 60 days per calendar

year. Precertification is required.
Durable medical equipment
Deductible and 20%

Coinsurance
Not Covered
Pecertification is required.
If you need help

recovering or have
other special health
needs

6 of 3

Common
Medical Event
Hospice service
If your child needs

dental or eye care
Your Cost If
You Use an
In-network
Provider
Deductible and 20%
Coinsurance

Your Cost If
You Use an
Out-of-network
Provider
Not Covered
Eye exam
$20 copay
Up to $40 allowance
Glasses
$130 allowance, then

20% off the
remaining balance
Up to $45 allowance
Dental check-up
Not Covered
Not Covered


Unlimited days combined IP & OP
per lifetime
Your child must be enrolled in the
vision plan to qualify for this benefit.
Routine eye exam once every 24
months.
Your child must be enrolled in the
vision plan to qualify for this benefit.
Frames covered once every 24
months.
none
7 of 3


Excluded Services & Other Covered Services:

Services Your Plan Does NOT Cover (This isnt a complete list. Check your policy or plan document for other excluded services.)
Cosmetic surgery
Long-term care
Routine eye care (Adult)
Dental care (Adult)
. Private-duty nursing
Routine foot care
Hearing aids
Weight loss programs
Other Covered Services (This isnt a complete list. Check your policy or plan document for other covered services and your costs for these
services.)
Acupuncture
Bariatric surgery
Chiropractic care
Coverage provided outside the United States.

See www.BCBS.com/bluecardworldwide
Your Rights to Continue Coverage:

If you lose coverage under the plan, then, depending upon the circumstances, Federal and State laws may provide protections that allow you to keep health
coverage. Any such rights may be limited in duration and will require you to pay a premium, which may be significantly higher than the premium you pay
while covered under the plan. Other limitations on your rights to continue coverage may also apply.
For more information on your rights to continue coverage, contact the plan at 1-800-342-9816. You may also contact your state insurance department, the
U.S. Department of Labor, Employee Benefits Security Administration at 1-866-444-3272 or www.dol.gov/ebsa, or the U.S. Department of Health and
Human Services at 1-877-267-2323 x61565 or www.cciio.cms.gov.

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Your Grievance and Appeals Rights:

If you have a complaint or are dissatisfied with a denial of coverage for claims under your plan, you may be able to appeal or file a grievance. For
questions about your rights, this notice, or assistance, you can contact:
Empire Appeal and Grievance Dept.
P.O. Box 1407, Church Street Station, New York, NY 10008-1407
Department of Labors Employee Benefits Security Administration
1-866-444-EBSA (3272)
www.dol.gov/ebsa/healthreform
New York State Department of Insurance contact:
1-(800) 342-3736
Additionally, a consumer assistance program can help you file your appeal. Contact:
Community Service Society of New York, Community Health Advocates
105 East 22nd Street, 8th floor, New York, NY 10010
(888) 614-5400
http://www.communityhealthadvocates.org/
Does this Coverage Provide Minimum Essential Coverage?
The Affordable Care Act requires most people to have health care coverage that qualifies as minimum essential coverage.
This plan or policy does provide minimum essential coverage.
Does this Coverage Meet the Minimum Value Standard?
The Affordable Care Act establishes a minimum value standard of benefits of a health plan. The minimum value standard is 60% (actuarial value).
This health coverage does meet the minimum value standard for the benefits it provides.

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Language Access Services:
To see examples of how this plan might cover costs for a sample medical situation, see the next page.

10 of 3

Coverage Examples
About these Coverage

Examples:
These examples show how this plan might cover
medical care in given situations. Use these
examples to see, in general, how much financial
protection a sample patient might get if they are
covered under different plans.
This is
not a cost
estimator.
Dont use these examples to
estimate your actual costs
under this plan. The actual
care you receive will be
different from these
examples, and the cost of
that care will also be
different.
See the next page for
important information about
these examples.

Having a baby
Managing type 2 diabetes
Amount owed to providers: $7,540

Plan pays $5,520
Patient pays $2,020
Sample care costs:
Hospital charges (mother)
$2,700
Routine obstetric care
$2,100
Hospital charges (baby)
$900
Anesthesia
$900
Laboratory tests
$500
Prescriptions
$200
Radiology
$200
Vaccines, other preventive
$40
Total
$7,540
Amount owed to providers: $5,400

Plan pays $1,500
Patient pays $3,900
Sample care costs:
Prescriptions
$2,900
Medical Equipment and Supplies
$1,300
Office Visits and Procedures
$700
Education
$300
Laboratory tests
$100
Vaccines, other preventive
$100
Total
$5,400
(normal delivery)
Patient pays:
Deductibles
Copays
Coinsurance
Limits or exclusions
Total
(routine maintenance of
a well-controlled condition)
$500
$0
$1,350
$170
$2,020
Patient pays:
Deductibles
Copays
Coinsurance
Limits or exclusions
Total

$500
$250
$220
$2,930
$3,900
11 of 3

Coverage Examples

Questions and answers about the Coverage Examples:

What are some of the
assumptions behind the
Coverage Examples?
Costs dont include premiums.

Sample care costs are based on national
averages supplied by the U.S.
Department of Health and Human
Services, and arent specific to a
particular geographic area or health plan.
The patients condition was not an
excluded or preexisting condition.
All services and treatments started and
ended in the same coverage period.
There are no other medical expenses for
any member covered under this plan.
Out-of-pocket expenses are based only
on treating the condition in the example.
The patient received all care from innetwork providers. If the patient had
received care from out-of-network
providers, costs would have been higher.
What does a Coverage Example

show?
Can I use Coverage Examples

to compare plans?
For each treatment situation, the Coverage

Example helps you see how deductibles,
copayments, and coinsurance can add up. It
also helps you see what expenses might be left
up to you to pay because the service or
treatment isnt covered or payment is limited.
Yes. When you look at the Summary of
Does the Coverage Example

predict my own care needs?
No. Treatments shown are just examples.
The care you would receive for this

condition could be different based on your
doctors advice, your age, how serious your
condition is, and many other factors.
Does the Coverage Example

predict my future expenses?
No. Coverage Examples are not cost
estimators. You cant use the examples to

estimate costs for an actual condition. They
are for comparative purposes only. Your
own costs will be different depending on
the care you receive, the prices your
providers charge, and the reimbursement
your health plan allows.
Benefits and Coverage for other plans,

youll find the same Coverage Examples.
When you compare plans, check the
Patient Pays box in each example. The
smaller that number, the more coverage
the plan provides.
Are there other costs I should

consider when comparing
plans?
Yes. An important cost is the premium
you pay. Generally, the lower your

premium, the more youll pay in out-ofpocket costs, such as copayments,
deductibles, and coinsurance. You
should also consider contributions to
accounts such as health savings accounts
(HSAs), flexible spending arrangements
(FSAs) or health reimbursement accounts
(HRAs) that help you pay out-of-pocket
expenses.

12 of 3

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ADP TOTALSOURCE: EMP-NY-PRISM EPO BPN 12

Coverage Period: 6/1/2016 to 5/31/2017

What is the overall

For in-network providers

Are there other deductibles

Yes, see RX section

For in-network providers

What is not included in the

Premiums, balance-billed charges, and

Is there an overall annual

Why this Matters:

Does this plan use a

Yes. For a list of in-network

Do I need a referral to see a

Are there services this plan

Questions: Call 1- 800-342-9816 or visit us at www.empireblue.com

ADP TOTALSOURCE: EMP-NY-PRISM EPO BPN 12

Coverage Period: 6/1/2016 to 5/31/2017

If you visit a health

Services You May Need

Primary care visit to treat an injury or illness $35/visit

Other practitioner office visit

If you have a test

Diagnostic test (x-ray, blood work)

Deductible and 20%

Limitations & Exceptions

Questions: Call 1- 800-342-9816 or visit us at www.empireblue.com

ADP TOTALSOURCE: EMP-NY-PRISM EPO BPN 12

If you need drugs to

Coverage Period: 6/1/2016 to 5/31/2017

Limitations & Exceptions

Home Delivery 90-day supply

Waived for Tier 1 and Mail Order

Emergency room services

Emergency medical transportation

Questions: Call 1- 800-342-9816 or visit us at www.empireblue.com

ADP TOTALSOURCE: EMP-NY-PRISM EPO BPN 12

If you have mental

If you are pregnant

Services You May Need

Coverage Period: 6/1/2016 to 5/31/2017

Limitations & Exceptions

Copay will apply to visit services

Facility fee (e.g., hospital room)

Deductible and 20%

Deductible and 20%

Mental/Behavioral health outpatient

Mental/Behavioral health inpatient

Deductible and 20%

Substance use disorder outpatient services

Substance use disorder inpatient services

Deductible and 20%

Prenatal and postnatal care

Deductible and 20%

Questions: Call 1- 800-342-9816 or visit us at www.empireblue.com

Copay will apply to visit services

ADP TOTALSOURCE: EMP-NY-PRISM EPO BPN 12

Services You May Need

Delivery and all inpatient services