Summary of Benefits and Coverage: What this Plan Covers & What You Pay For Covered Services

Coverage Period : [Start Date] - [End Date]

[Plan Sponsor Name] : MVP SILVER Coverage for: Plan Participants | 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, 1-844-899-6612. 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 1-800-318-2596 to request a
copy.

Important Questions Answers Why This Matters:

What is the overall

$0 individual / $0 family See the Common Medical Events chart below for your costs for services this plan covers.
deductible?

Yes. Preventive care and

Are there services This plan covers some items and services even if you haven’t yet met the deductible amount. But a copayment or coinsurance may apply. For
prescription drug coverage are
covered before you meet your example, this plan covers certain preventive services without cost-sharing and before you meet your deductible. See a list of covered preventive
covered before you meet your
deductible? services at https://www.healthcare.gov/coverage/preventive-care-benefits/.
deductible.
Are there other
deductibles for specific No. You don’t have to meet deductibles for specific services.
services?
What is the out-of-pocket The out-of-pocket limit is the most you could pay in a year for covered services. If you have other family members in this plan, they have to meet
$5,000 individual / $10,000 family
limit for this plan? their own out-of-pocket limits until the overall family out-of-pocket limit has been met.
Premiums, balance-billing
What is not included in the
charges, and health care this plan Even though you pay these expenses, they don’t count toward the out–of–pocket limit.
out-of-pocket limit?
doesn’t cover.

Yes. See This plan uses a provider network. You will pay less if you use a provider in the plan’s network. You will pay the most if you use an out-of-
Will you pay less if you use a www.multiplan.com/phcspracanc network provider, and you might receive a bill from a provider for the difference between the provider’s charge and what your plan pays (balance
network provider? or call 1-877-952-7427 for a list of billing). Be aware, your network provider might use an out-of-network provider for some services (such as lab work). Check with your provider
network providers. before you get services.

Do you need a referral to see

No. You can see the specialist you choose without a referral.
a specialist?

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 All copayment and coinsurance costs shown in this chart are after your deductible has been met, if a deductible applies.

What You Will Pay

Common Medical Event Services You May Need Network Provider Out-of-Network Provider Limitations, Exceptions, & Other Important Information
(You will pay the least) (You will pay the most)

Primary care visit to treat an injury Not covered if provided at a hospital. Limited to 10 visits
$15 copay $15 copay
or illness per plan year.
Not covered if provided at a hospital. Limited to 10 visits
If you visit a health care Specialist visit $25 copay $25 copay
per plan year.
provider’s office or clinic
Not covered if provided at a hospital. Plan pays 100% of covered
Preventive care/screening/
No charge Not Covered preventive and wellness services. You may have to pay for services
immunization
that aren’t preventive. Deductible does not apply.

Not covered if services are provided at a hospital. Combined limit of 3

Diagnostic test (x-ray, blood work) $50 copay $50 copay
visits per plan year for Laboratory Services and Radiology.

If you have a test

$350 copay $350 copay

Not covered if services are provided at a hospital. Limited to 2 per
Imaging (CT/PET scans, MRIs) (Subject to Reference Based (Subject to Reference Based
plan year. Preauthorization is required.
Pricing) Pricing)

If you need drugs to treat your

illness or condition Generic drugs 20% Copay Not Covered Subject to formulary.
More information about
prescription drug coverage is
available by calling 1-844-899-
6612. Preferred brand drugs 20% Copay Not covered Subject to formulary.

Non-preferred brand drugs Not Covered Not Covered Not Covered

Specialty drugs Not covered Not covered Not Covered

* For more information about limitations and exceptions, see the plan or policy document. 2 of 6
 What You Will Pay
Common Medical Event Services You May Need Network Provider Out-of-Network Provider Limitations, Exceptions, & Other Important Information
(You will pay the least) (You will pay the most)
If you have outpatient Facility fee (e.g., ambulatory
surgery surgery center)
$350 copay $350 copay Limited to 2 visits per plan year. Preauthorization is required.
Physician/surgeon fees
If you need immediate
medical attention Limited to 1 visit per plan year. This plan does not utilize a network for
any facilities. All services performed in a medical facility (for example,
Emergency room care $350 copay $350 copay a hospital as opposed to a primary care physician’s office) will be
subject to reference based pricing reimbursements based on the
Medicare reimbursement rate.

$250 copay $250 copay

Emergency medical transportation (Subject to Reference Based (Subject to Reference Based By land only. Limited to 1 transport per plan year.
Pricing) Pricing)

Urgent care $35 copay $35 copay Not covered if provided at a hospital. Limited to 3 visits per plan year.

If you have a hospital stay

Limited to 7 days per plan year. This plan does not utilize a network
for any facilities. All services performed in a medical facility (for
Facility fee (e.g., hospital room) $350 copay per admission $350 copay per admission example, a hospital as opposed to a primary care physician’s office)
will be subject to reference based pricing reimbursements based on
the Medicare reimbursement rate. Preauthorization is required.

Included in Inpatient Hospitalization Included in Inpatient Hospitalization

Physician/surgeon fees Limited to visits up to 7 days per plan year.
copay copay
If you need mental health,
behavioral Treatment for Chemical Abuse & Dependency only. Limited to 7 days
health, or substance abuse Outpatient services per plan year. Preventive services are covered for mental, behavioral
$25 copay $25 copay
services health or substance abuse. Cost sharing does not apply for
preventive services. Preauthorization is required.

$250 copay per day $250 copay per day

Treatment for Chemical Abuse & Dependency only. Limited to 7 days
Inpatient services (Subject to Reference Based (Subject to Reference Based
per plan year. Preauthorization is required.
Pricing) Pricing)

If you are pregnant

Included In Professional Services Included In Professional Services
Office visits See Professional Services limitations.
copay copay

Childbirth/delivery professional
$350 copay $350 copay Professional Services ony, including standard office visits .
services
$350 copay per admission $350 copay per admission
Childbirth/delivery facility services (Subject to Reference Based (Subject to Reference Based Considered an Inpatient Hospital Stay.
Pricing) Pricing)

* For more information about limitations and exceptions, see the plan or policy document. 3 of 6
 What You Will Pay
Common Medical Event Services You May Need Network Provider Out-of-Network Provider Limitations, Exceptions, & Other Important Information
(You will pay the least) (You will pay the most)
If you need help recovering Home health care $25 copay $25 copay Limited to 15 visits per plan year.
or have other special health
needs Rehabilitation services Not covered Not covered Not covered

Habilitation services Not covered Not covered Not covered

Skilled nursing care Not covered Not covered Not covered

Durable medical equipment Not covered Not covered Not covered

Hospice services Not covered Not covered Not covered

If your child needs dental or One vision screening for children 3-5 years is covered as a
eye care Children’s eye exam Not covered Not covered preventive service. Cost sharing does not apply for preventive
services.
Children’s glasses Not covered Not covered Not covered
Dental caries fluoride application for infants and children up to 5
Children’s dental check-up Not covered Not covered years are covered as preventive services. Cost sharing does not
apply for preventive services.

Excluded Services & Other Covered Services:

Services Your Plan Generally Does NOT Cover (Check your policy or plan document for more information and a list of any other excluded services.)
● Acupuncture ● Infertility Treatment ● Weight Loss Programs
● Bariatric Surgery ● Long Term Care
● Chiropractic Care ● Non-emergency care when traveling outside the U.S.
● Cosmetic Surgery ● Private Duty Nursing
● Dental Care ● Routine eye care (Adult)
● Hearing Aids ● Routine Foot Care

Other Covered Services (Limitations may apply to these services. This isn’t a complete list. Please see your plan document.)
● ●

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Your Rights to Continue Coverage: There are agencies that can help if you want to continue your coverage after it ends. The contact information for those agencies is: Department of Labor’s Employee Benefits
Security Administration at 1-866-444-3272 or www.dol.gov/ebsa/healthreform. Other coverage options may be available to you too, including buying individual insurance coverage through the Health Insurance
Marketplace. For more information about the Marketplace, visit www.HealthCare.gov or call 1-800-318-2596.

Your Grievance and Appeals Rights: There are agencies that can help if you have a complaint against your plan for a denial of a claim. This complaint is called a grievance or appeal. For more information about
your rights, look at the explanation of benefits you will receive for that medical claim. Your plan documents also provide complete information to submit a claim, appeal, or a grievance for any reason to your plan.
For more information about your rights, this notice, or assistance, contact: 1-844-899-6612.

Does this plan provide Minimum Essential Coverage? Yes

If you don’t have Minimum Essential Coverage for a month, you’ll have to make a payment when you file your tax return unless you qualify for an exemption from the requirement that you have health coverage for
that month.

Does this plan meet the Minimum Value Standards? Yes

If your plan doesn’t meet the Minimum Value Standards, you may be eligible for a premium tax credit to help you pay for a plan through the marketplace.

Language Access Services:

Spanish (Español): Para obtener asistencia en Español, llame al 1-844-899-6612.
Tagalog (Tagalog): Kung kailangan ninyo ang tulong sa Tagalog tumawag sa 1-844-899-6612.
Chinese (中文): 如果需要中文的帮助，请拨打这个号码 1-844-899-6612.
Navajo (Dine): Dinek'ehgo shika at'ohwol ninisingo, kwiijigo holne' 1-844-899-6612.

––––––––––––––––––– To see examples of how this plan might cover costs for a sample medical situation, see the next section. –––––––––––––––––––––––

* For more information about limitations and exceptions, see the plan or policy document. 5 of 6
About these Coverage Examples:
This is not a cost estimator. Treatments shown are just examples of how this plan might cover medical care. Your actual costs will be different depending on the actual care you receive, the prices your
providers charge, and many other factors. Focus on the cost sharing amounts (deductibles, copayments and coinsurance) and excluded services under the plan. Use this information to compare the portion of
costs you might pay under different health plans. Please note these coverage examples are based on self-only coverage.

Peg is Having a Baby Managing Joe’s type 2 Diabetes Mia’s Simple Fracture
(9 months of in-network pre-natal care and a (a year of routine in-network care of a (in-network emergency room visit and
hospital delivery) well- controlled condition) follow up care)

■ The plan’s overall deductible $0 ■ The plan’s overall deductible $0 ■ The plan’s overall deductible $0
■ Specialist [copay] $25 ■ Specialist [copay] $25 ■ Specialist [copay] $25
■ Hospital (facility) [copay] $350 ■ Hospital (facility) [copay] $350 ■ Hospital (facility) [copay] $350
■ Other [cost sharing ] 0% ■ Other [cost sharing ] 0% ■ Other [cost sharing ] 0%

This EXAMPLE event includes services like: This EXAMPLE event includes services like: This EXAMPLE event includes services like:
Specialist office visits (prenatal care) Primary care physician office visits (including Emergency room care (including medical
Childbirth/Delivery Professional Services disease education) supplies)
Childbirth/Delivery Facility Services Diagnostic tests (blood work) Diagnostic test (x-ray)
Diagnostic tests (ultrasounds and blood work) Prescription drugs Durable medical equipment (crutches)
Specialist visit (anesthesia) Durable medical equipment (glucose meter) Rehabilitation services (physical therapy)

Total Example Cost $17,005 Total Example Cost $8,017 Total Example Cost $2,520

In this example, Peg would pay: In this example, Joe would pay: In this example, Mia would pay:
Cost Sharing Cost Sharing Cost Sharing
Deductibles $0 Deductibles $0 Deductibles $0
Copayments $5,000 Copayments $920 Copayments $1,225
Coinsurance $0 Coinsurance $0 Coinsurance $0
What isn’t covered What isn’t covered What isn’t covered
Limits or exclusions $96 Limits or exclusions $6,052 Limits or exclusions $810
The total Peg would pay is $3,790 The total Joe would pay is $7,102 The total Mia would pay is $2,110

The plan would be responsible for the other costs of these EXAMPLE covered services. 6 of 6