2019-20 Employee Benefits Overview - Pasadena City College
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2019-20 Employee Benefits Overview
TABLE OF CONTENTS
Eligibility .............................................................................................................................................. 3
How to Enroll or Waive Benefits .............................................................................................................. 5
Cost of Coverage and Cash-In-Lieu Amount .............................................................................................. 6
Kaiser Medical Traditional HMO.............................................................................................................. 7
Anthem Medical Premier HMO ................................................................................................................ 8
Anthem Medical 100-A PPO - Classified .................................................................................................. 9
Anthem Medical 100-A PPO – Certificated ............................................................................................. 10
Anthem Medical Anchor Bronze PPO...................................................................................................... 11
Anthem Medical Minimum Value PPO .................................................................................................... 12
Dental Plans – PPO or HMO .................................................................................................................. 13
EyeMed Vision ..................................................................................................................................... 14
Flexible Spending Account (FSA) ........................................................................................................... 15
Life Insurance and Long-Term Disability ................................................................................................ 16
Getting Care When You Need It Now ...................................................................................................... 17
Programs and Services......................................................................................................................... 18
Anthem Programs and Services ............................................................................................................. 19
Value Based Care Benefit for PPO Members ........................................................................................... 20
MDLIVE – Telehealth for Anthem Members ............................................................................................. 21
Key Terms ........................................................................................................................................... 22
Important Plan Notices and Documents .................................................................................................. 23
Continuation Coverage Rights Under COBRA ........................................................................................... 28
Medicare Part D Notice ........................................................................................................................ 31
For Benefits Assistance ................................................................................................... Back Cover Page
Medicare Part D Notice: If you (and/or your dependents) have Medicare or
will become eligible for Medicare in the next 12 months, a federal law gives
you more choices about your prescription drug coverage. Please see Annual
Notice on pages 32-33 for more details.
1
District Message
At Pasadena City College, we value your contributions to our success and want to provide you
with a benefits package that protects your health and helps your financial security, now and in
the future. We continually look for valuable benefits that support your needs, whether you are
single, married, raising a family, or thinking ahead to retirement. We are committed to giving
you the resources you need to understand your options and how your choices could affect you
financially.
We are providing you with this booklet to help you understand the benefits that are available to
you and how to best use them. Please review it carefully and make sure to ask about any
important issues that are not addressed here. A list of plan contacts and resources are
provided on the back coverage of this booklet.
While we've made every effort to make sure that this booklet is comprehensive, it cannot
provide a complete description of all benefit provisions. For more information, please contact
the Benefits Office. The information in this booklet is a general outline of the benefits offered
under the Pasadena City College benefits program. Specific details and limitations are
provided in the plan documents, such as the Summary of Benefits and Coverage (SBC),
Evidence of Coverage (EOC) and/or insurance policies. The plan documents contain the
relevant plan provisions. If the information in this booklet differs from the plan documents,
the plan documents will prevail.
The benefits in this summary are effective:
October 1, 2019 – September 30, 2020
IMPORTANT EMPLOYEE RESPONSIBILITIES
Review your benefit options.
Visit https://benefits.plansource.com and enroll or waive insurance benefits.
Employees waiving coverage must provide proof of other coverage.
If you have questions, contact Benefits.
Benefits Technician: Conna Bain
(626) 585-7719
Benefits and Wellness Coordinator: Cristina Zamora
(626) 585-7503
2
Eligibility
WHO IS ELIGIBLE? DEPENDENT VERIFICATION
All active, eligible full-time employees are eligible Adding dependents is subject to eligibility
for the benefits outlined in this booklet. verification in order to ensure only eligible
individuals are participating in our plans. You will be
You can enroll the following family members in our required to provide proof of one or more of the
plans: following within 30 days of their eligibility:
• Your spouse (the person who you are legally • Marriage Certificate or License (if married less
married to under state law, including a same-sex than a year)
spouse).
• Most recent Federal Income Tax Return
• Domestic Partners Affidavit
• If you have registered your domestic partnership
• Birth Certificate
with your state or local government, your
• Final decree of divorce
domestic partner is eligible for coverage. Please
• Court documents showing legal responsibility for
contact Benefits if you would like to add a
adopted children, foster children or children
registered domestic partner. Any premiums for
under legal guardianship
your domestic partner paid for by Pasadena City
College are taxable income and will be included • Physician’s written certification of disabling
condition (for dependent children over age 26
on your W-2. Any premiums you pay for your
domestic partner will be deducted on an after- incapable of self-support)
tax basis. If you do not supply the proper documentation to
add dependents within a 30-day period, you will
• Your children (including your domestic partner's
not be able to add the dependent(s) until the
children):
next open enrollment period.
o Up to the age of 26 are eligible to enroll in
medical, dental and vision coverage. They do WHO IS NOT ELIGIBLE?
not have to live with you or be enrolled in
Family members who are not eligible for coverage
school. They can be married and/or living and
include (but are not limited to):
working on their own.
• Parents, grandparents, and siblings.
o Over age 26 ONLY if they are incapacitated
due to a disability and primarily dependent on
you for support. Please refer to the Summary Plan Description for
complete details on how benefits eligibility is
o Named in a Qualified Medical Child Support determined.
Order (QMCSO) as defined by federal law.
3
Eligibility Continued
• Change in work schedule, including a switch
WHEN CAN I ENROLL?
between part-time and full-time employment
that affects eligibility for benefits
Open enrollment is the only time each year that
• Change in a child’s dependent status, either
employees can make changes to their benefit
newly satisfying the requirements for dependent
elections without a qualifying life event. Life events
child status or ceasing to satisfy them
include (but are not limited to):
• Change in place of residence or worksite,
• Birth or adoption of a baby or child
including a change that affects the accessibility
• Loss of other healthcare coverage
or network providers
• Eligibility for new healthcare coverage
• Change in your health coverage or your spouse’s
• Marriage
coverage attributable to your spouse’s
• Divorce
employment
If you qualify for a mid-year benefit change, you will • Change in an individual’s eligibility for Medicare
be required to submit proof of the change. Changes or Medicaid
must be submitted to Benefits within 30 days of • A court order resulting from a divorce, legal
the life event. An employee may be held separation, annulment, or change in legal
responsible for substantial charges if services are custody (including a Qualified Medical Child
provided for a person who is found to be Support Order) requiring coverage for your child
ineligible. • An event that is a “special enrollment” under
the Health Insurance Portability and
ELIGIBLE NEW HIRES Accountability Act (HIPAA) including
acquisition of a new dependent by marriage,
You must complete the online enrollment or birth or adoption, or loss of coverage under
waiver process, and upload dependent another health insurance plan
verification documentation within 30 days from • An event that is allowed under the Children’s
your date of hire. If documentation is not Health Insurance Program (CHIP)
received, your dependent(s) will not be enrolled. Reauthorization Act. Under provisions of the
Act, employees have 60 days after the following
Online Benefits Website:
events to request enrollment:
https://benefits.plansource.com.
o Employee or dependent loses eligibility
Coverage for new full-time employees begins on the for Medicaid
first of the month following or coinciding with date o Employee or dependent becomes
of hire. eligible to participate in a premium
assistance program under Medicaid or
QUALIFYING LIFE EVENTS CHIP
REMINDER: Three rules apply to making changes
The following are considered qualifying life events:
to your benefits during the year:
• Change in legal marital status, including i. Any change you make must be consistent
marriage, divorce, legal separation, annulment,
with the change in status;
and death of a spouse
ii. You must make the change within 30 days
• Change in number of dependents, including of the date the event occurs; and
birth, adoption, placement for adoption, or iii. All proper documentation is required to
death of a dependent child cover dependents (marriage certificates,
• Change in employment status that affects birth certificates, etc.)
benefit eligibility, including the start or
termination of employment by you, your spouse,
or your dependent child
4
How to Enroll or Waive Benefits
Go online to our Benefits website https://benefits.plansource.com. After you login you’ll be asked to review and
update your employee profile. Make sure all the information about yourself and dependent(s) is correct. Don’t
forget to upload dependent verification documentation. If documentation is not received, your dependent(s) will
not be enrolled.
USERNAME AND PASSWORD EXAMPLES
All usernames and passwords have been set Username: if your name is Taylor Williams, and the last
to the following: four digits of your SSN are 1234, your username would be
twillia1234.
Username: Your username is the first
initial of your first name, up to the first Password: if your birthdate is June 4, 1979, your password
six letters of your last name, and the would be 19790604. The first time you log in, you will be
last four digits of your SSN. prompted to change your password.
Password: Your initial password is your If you have login problems contact the Benefits Office:
birthdate in the YYYYMMDD format. • clbain@pasadena.edu or (626) 585-7719
• czamora5@pasadena.edu or (626) 585-7503
DEPENDENT ELIGIBILITY DOCUMENTATION CHART
The following verification documents are required to enroll a dependent in health benefit plans. SISC requires the
Social Security Numbers for all dependents to be covered on the plans and reserves the right to request
additional documentation to substantiate eligibility.
Dependent Type Required Documentation
Spouse • Prior year’s Federal Tax Form that shows the couple was married (financial information
may be blocked out).
• For newly married couples where prior year tax return is not available a marriage
certificate will be accepted.
Domestic Partner • Certificate of Registered Domestic Partnership issued by State of California (AB 205
Compliant)
• SISC Affidavit of Domestic Partnership (when applicable)
Children, Stepchildren, • Legal Birth Certificate or Hospital Birth Certificate (to include full name of child,
and/or Adopted Children parent(s) name, and child’s DOB)
up to age 26 • Legal Adoption Documentation
Legal Guardianship up to age 18 • Legal Court Documentation establishing Guardianship
Disabled Dependents over age 26 Anthem Blue Cross (All items listed below are required)
• Legal Birth Certificate or Hospital Birth Certificate (to include full name of child,
parent(s) name and child’s DOB)
• Prior year’s Federal Tax Form that shows child is claimed as an IRS dependent
(income information may be blocked out)
• Proof of 6 months prior creditable coverage
• Completed Anthem Disabled Dependent Certification Form
Kaiser (All items listed below are required)
• Legal Birth Certificate or Hospital Birth Certificate (to include full name of child,
parent(s) name and child’s DOB)
• Prior year’s Federal Tax Form that shows child is claimed as an IRS dependent
(income information may be blocked out)
• Proof of 6 months prior creditable coverage
• Completed Disabled Dependent Enrollment Application
• Most recent Kaiser Certification notice (if available)
5Cost of Coverage and Cash-In-Lieu Amount
Pasadena City College pays 100% of Medical, Dental, and Vision benefits for all full-time employees and
their eligible dependents. Full-time employees must complete the Opt Out – Refusal of Personal Coverage form,
if you are not enrolled in the District’s sponsored health plan and have group insurance coverage elsewhere. Form
is not valid if not complete and you will need to provide a copy of current Group insurance card.
FULL-TIME EMPLOYEE CASH-IN-LIEU/OPT OUT AMOUNTS
PAY CYCLE
12 Month $301.00
11 Month $328.36
10 Month $361.20
Annually $3,612.00
CERTIFICATED VARIABLE HOUR EMPLOYEES – TENTHLY PAY CYCLE
ANTHEM MEDICAL PPO EMPLOYEE PCC TOTAL
ANCHOR BRONZE PLAN DEDUCTION CONTRIBUTION PREMIUM
Employee Only $119.70 $602.70 $ 722.40
Employee + Child $567.60 $567.60 $ 1,135.20
Employee + Children $567.60 $567.60 $ 1,135.20
ANTHEM MEDICAL PPO EMPLOYEE PCC TOTAL
MINIMUM VALUE PLAN DEDUCTION CONTRIBUTION PREMIUM
Employee Only $119.70 $1,029.90 $ 1,149.60
Employee + One $574.80 $574.80 $ 1,149.60
Employee + Family $574.80 $574.80 $ 1,149.60
CLASSIFIED VARIABLE HOUR EMPLOYEES – TENTHLY PAY CYCLE
ANTHEM MEDICAL PPO EMPLOYEE PCC TOTAL
ANCHOR BRONZE PLAN DEDUCTION CONTRIBUTION PREMIUM
Employee Only $119.70 $602.70 $ 722.40
Employee + Child $1,135.20 $0.00 $ 1,135.20
Employee + Children $1,135.20 $0.00 $ 1,135.20
ANTHEM MEDICAL PPO EMPLOYEE PCC TOTAL
MINIMUM VALUE PLAN DEDUCTION CONTRIBUTION PREMIUM
Employee Only $119.70 $1,029.90 $ 1,149.60
Employee + One $1,149.60 $0.00 $ 1,149.60
Employee + Family $1,149.60 $0.00 $ 1,149.60
6Kaiser Medical Traditional HMO
This plan is available only in certain California counties and cities ("Service Area") as described in the
Evidence of Coverage. You must live and/or work in this select Service Area in order to enroll in this plan.
Find a Primary Care Physician by visiting www.kp.org or call member services (800) 464-4000.
When you need chiropractic or acupuncture care, find a provider and schedule an appointment. For participating
providers visit ashlink.com/ASH/kp or call (800) 678-9133.
Copayments
Calendar Year Deductible None
Annual Out-of-Pocket Max $1,500 individual
$1,500 per member/$3,000 family
Physician Office Visit No charge
Specialist No charge
Preventive Services No charge
Outpatient Diagnostic X-ray and Lab No charge
Advanced Diagnostic Imaging No charge
(MRI/PET/CAT scans)
Inpatient Hospitalization No charge
Physician Services No charge
Outpatient Facility Services
Surgery No charge
Urgent Care No charge
Emergency Room (copay waived if admitted) $100 copay per visit
Ambulance Services $50 copay per trip
Durable Medical Equipment No charge
Medically Necessary Acupuncture & Chiropractic Care 1 $10 copay per visit
(up to 30 combined visits per year)
Hearing Aid Benefit $500 allowance per device, 1 device per ear, 2
devices per 36 months
Prescription Drugs Pharmacy Mail Order Supply Limit
Generic $5 copay $5 copay Up to a 100-day
Brand $5 copay $5 copay Up to a 100-day
Specialty $5 copay N/A Up to a 30-day
1
Services authorized and provided by American Specialty Health Plans of California (ASH Plans).
7Anthem Medical Premier HMO
Plan is available only in certain California counties and cities ("Service Area"). Members must access covered
services through a network of physicians and facilities as directed by their Primary Care Physician. To find a
Primary Care Physician visit https://www.anthem.com/ca/sisc/ or call member services (800) 825-5541.
Network: California Care HMO Copayments
Calendar Year Deductible None
Medical Out-of-Pocket Maximum $1,000 individual; $2,000 family
Physician/Specialist Office Visit $10 copay per visit
MDLive Consultation
1
$5 copay per visit
Preventive Services No charge
Diagnostic X-ray and Lab No charge
Advanced Imaging: CT, CAT, MRI, PET etc. $100 copay per test
Inpatient Hospitalization No charge
(preauthorization required)
Physician Services No charge
Outpatient Facility Services
Surgery in an Ambulatory Surgery Center No charge
Surgery in a Hospital No charge
Urgent Care 2 (office setting) $10 copay per visit
Emergency Room (copay waived if admitted) $100 copay per visit
Ambulance Services (ground or air) $100 copay per visit
Durable Medical Equipment No charge
Acupuncture & Chiropractic Care $10 copay per visit
(up to 30 combined visits per year)
Hearing Aid Benefits 50% coinsurance
Prescription Drugs 3
Out-of-Pocket Maximum $1,500 individual/$2,500 family
Generic
Network Pharmacy $5 copay
Costco Pharmacy $0 copay
Costco Mail Order $0 copay
Brand
Network Pharmacy $20 copay after deductible
Costco Pharmacy $20 copay after deductible
Costco Mail Order $50 copay after deductible
Specialty – Navitus Mail Order $20 copay after deductible
Supply Limit Members may receive up to 30 days and/or up to 90 days supply
of medication at participating pharmacies.
1
24/7 virtual access to provider and therapists.
2
Urgent services inside the Personal Physician’s Service Area and rendered or referred by the Personal Physician or Personal Physician’s Medical
Group/IPA.
3
Pharmacy Benefits are administered by Navitus Health Solutions. Navitus Specialty Rx supplies limited to no more than 30 days.
8Anthem Medical 100-A PPO - Classified
Network: Prudent Buyer PPO In-Network Out-of-Network 1
Calendar Year Deductible $0 individual; $0 family
Medical Out-of-Pocket Max $1,000 individual; $3,000 family No limit individual; No limit family
Professional Services
Physician/Specialist Office Visit $10 copay per visit See footnote 1
MDLive 2 Consultation $5 copay per visit Not applicable
Preventive Services No charge Not covered
Diagnostic X-ray and Lab 0% coinsurance after deductible Not covered
Advanced Imaging: CT, CAT, MRI, PET etc. 0% coinsurance after deductible All billed amounts exceeding
$800/test after deductible
Inpatient Hospitalization 0% coinsurance after deductible All billed amounts exceeding
(preauthorization required) $600/day after deductible
Physician Services 0% coinsurance after deductible See footnote 1
Outpatient Facility Services
Surgery in an Ambulatory Surgery Center 0% coinsurance after deductible All billed amounts exceeding
$350/day after deductible
Physician/surgeon fees 0% coinsurance after deductible See footnote 1
Urgent Care $10 copay per visit See footnote 1
Emergency Room (copay waived if admitted) $100 copay per visit + 0% coinsurance after deductible
Ambulance Services (ground or air) $100 copay + 0% coinsurance after deductible
Durable Medical Equipment 0% coinsurance after deductible Not covered
Acupuncture (up to 12 visits per year) 0% coinsurance after deductible 50% of maximum allowed amount
after deductible
Chiropractic Care (up to 20 visits per year) 0% coinsurance after deductible Not covered
Hearing Aid Benefit 3 0% coinsurance after deductible Not covered
Prescription Drugs 4
Out-of-Pocket Maximum $1,500 individual/$2,500 family
Generic
Network Pharmacy $5 copay
Costco Pharmacy $0 copay
Costco Mail Order $0 copay
Brand
Network Pharmacy $10 copay after deductible
Costco Pharmacy $10 copay after deductible
Costco Mail Order $20 copay after deductible
Specialty – Navitus Mail Order $10 copay after deductible
Supply Limit Members may receive up to 30 days and/or up to 90 days supply of
medication at participating pharmacies.
1
Non-participating providers can charge more than Anthem’s allowable amounts. When members use non-participating providers,
they must pay the applicable deductibles, copayments or coinsurance plus any amount that exceeds Anthem's allowable amount.
Charges above the allowable amount do not count toward the calendar year medical deductible or out-of-pocket maximum.
2
24/7 virtual access to provider and therapists.
3
Up to a max combined benefit of $700 per person every 24 months for the hearing aid and ancillary equipment.
4 Pharmacy Benefits are administered by Navitus Health Solutions.
9Anthem Medical 100-A PPO – Certificated
Network: Prudent Buyer PPO In-Network Out-of-Network 1
Calendar Year Deductible $0 individual; $0 family
Medical Out-of-Pocket Max $1,000 individual; $3,000 family No limit individual; No limit family
Professional Services
Physician/Specialist Office Visit $10 copay per visit See footnote 1
MDLive Consultation
2
$5 copay per visit Not applicable
Preventive Services No charge Not covered
Diagnostic X-ray and Lab 0% coinsurance after deductible Not covered
Advanced Imaging: CT, CAT, MRI, PET etc. 0% coinsurance after deductible All billed amounts exceeding
$800/test after deductible
Inpatient Hospitalization 0% coinsurance after deductible All billed amounts exceeding
(preauthorization required) $600/day after deductible
Physician Services 0% coinsurance after deductible See footnote 1
Outpatient Facility Services
Surgery in an Ambulatory Surgery Center 0% coinsurance after deductible All billed amounts exceeding
$350/day after deductible
Physician/surgeon fees 0% coinsurance after deductible See footnote 1
Urgent Care $10 copay per visit See footnote 1
Emergency Room (copay waived if admitted) $100 copay per visit + 0% coinsurance after deductible
Ambulance Services (ground or air) $100 copay + 0% coinsurance after deductible
Durable Medical Equipment 0% coinsurance after deductible Not covered
Acupuncture (up to 12 visits per year) 0% coinsurance after deductible 50% of maximum allowed amount
after deductible
Chiropractic Care (up to 20 visits per year) 0% coinsurance after deductible Not covered
Hearing Aid Benefit 3 0% coinsurance after deductible Not covered
Prescription Drugs 4
Out-of-Pocket Maximum $1,500 individual/$2,500 family
Generic
Network Pharmacy $7 copay
Costco Pharmacy $0 copay
Costco Mail Order $0 copay
Brand
Network Pharmacy $25 copay after deductible
Costco Pharmacy $25 copay after deductible
Costco Mail Order $60 copay after deductible
Specialty – Navitus Mail Order $25 copay after deductible
Supply Limit Members may receive up to 30 days and/or up to 90 days supply of
medication at participating pharmacies.
1
Non-participating providers can charge more than Anthem’s allowable amounts. When members use non-participating providers,
they must pay the applicable deductibles, copayments or coinsurance plus any amount that exceeds Anthem's allowable amount.
Charges above the allowable amount do not count toward the calendar year medical deductible or out-of-pocket maximum.
2
24/7 virtual access to provider and therapists.
3
Up to a max combined benefit of $700 per person every 24 months for the hearing aid and ancillary equipment.
4 Pharmacy Benefits are administered by Navitus Health Solutions.
10Anthem Medical Anchor Bronze PPO
Network: Prudent Buyer PPO In-Network Out-of-Network 1
Calendar Year Deductible $5,000 individual; $10,000 family
(all providers combined) (For individual on family coverage plan, enrollee can receive benefits for
covered services once individual deductible is met.)
Medical Out-of-Pocket Max $6,350 individual; $12,700 No limit individual; No limit family
(includes plan deductible) family
Professional Services
Physician/Specialist Office Visit 30% coinsurance after deductible See footnote 1
MDLive 2 Consultation Consult fee until deductible is met Not applicable
then 30% coinsurance
Preventive Services No charge Not covered
Diagnostic X-ray and Lab 30% coinsurance after deductible Not covered
Advanced Imaging: CT, CAT, MRI, PET etc. 30% coinsurance after deductible All billed amounts exceeding
$800/test after deductible
Inpatient Hospitalization 30% coinsurance after deductible All billed amounts exceeding
(preauthorization required) $600/day after deductible
Physician Services 30% coinsurance after deductible 0% coinsurance after deductible
Outpatient Facility Services
Surgery in an Ambulatory Surgery Center 30% coinsurance after deductible All billed amounts exceeding
$350/admit after deductible
Physician/surgeon fees 30% coinsurance after deductible See footnote 1
Urgent Care 30% coinsurance after deductible See footnote 1
Emergency Room (copay waived if admitted) $100 copay per visit + 30% coinsurance after deductible
Ambulance Services (ground or air) $100 copay + 30% coinsurance after deductible
Durable Medical Equipment 30% coinsurance after deductible Not covered
Acupuncture (up to 12 visits per year) 30% coinsurance after deductible 50% of maximum allowed amount
after deductible
Chiropractic Care (up to 20 visits per year) 30% coinsurance after deductible Not covered
Hearing Aid Benefit 3
30% coinsurance after deductible See footnote 1
Prescription Drugs 4
Generic
Network Pharmacy $9 copay after deductible
Costco Pharmacy $0 copay after deductible
Costco Mail Order $0 copay after deductible
Brand
Network Pharmacy $35 copay after deductible
Costco Pharmacy $35 copay after deductible
Costco Mail Order $90 copay after deductible
Specialty – Navitus Mail Order $35 copay after deductible
Supply Limit Members may receive up to 30 days and/or up to 90 days supply of
medication at participating pharmacies.
1
Non-participating providers can charge more than Anthem’s allowable amounts. When members use non-participating providers, they must pay the
applicable deductibles, copayments or coinsurance plus any amount that exceeds Anthem's allowable amount. Charges above the allowable amount do
not count toward the calendar year medical deductible or out-of-pocket maximum.
2
24/7 virtual access to provider and therapists.
3
Up to a max combined benefit of $700 per pair every 24 months for the hearing aid and ancillary equipment.
4 Pharmacy Benefits are administered by Navitus Health Solutions.
11Anthem Medical Minimum Value PPO
Network: Prudent Buyer PPO In-Network Out-of-Network 1
Calendar Year Deductible $5,000 individual; $10,000 family
(all providers combined) (For individual on family coverage plan, enrollee can receive benefits for
covered services once individual deductible is met.)
Medical Out-of-Pocket Max $6,350 individual; $12,700 No limit individual; No limit family
(includes plan deductible) family
Professional Services
Physician/Specialist Office Visit 30% coinsurance after deductible See footnote 1
MDLive 2 Consultation Consult fee until deductible is met Not applicable
then 30% coinsurance
Preventive Services No charge Not covered
Diagnostic X-ray and Lab 30% coinsurance after deductible Not covered
Advanced Imaging: CT, CAT, MRI, PET etc. 30% coinsurance after deductible All billed amounts exceeding
$800/test after deductible
Inpatient Hospitalization 30% coinsurance after deductible All billed amounts exceeding
(preauthorization required) $600/day after deductible
Physician Services 30% coinsurance after deductible 0% coinsurance after deductible
Outpatient Facility Services
Surgery in an Ambulatory Surgery Center 30% coinsurance after deductible All billed amounts exceeding
$350/admit after deductible
Physician/surgeon fees 30% coinsurance after deductible See footnote 1
Urgent Care 30% coinsurance after deductible See footnote 1
Emergency Room (copay waived if admitted) $100 copay per visit + 30% coinsurance after deductible
Ambulance Services (ground or air) $100 copay + 30% coinsurance after deductible
Durable Medical Equipment 30% coinsurance after deductible Not covered
Acupuncture (up to 12 visits per year) 30% coinsurance after deductible 50% of maximum allowed amount
after deductible
Chiropractic Care (up to 20 visits per year) 30% coinsurance after deductible Not covered
Hearing Aid Benefit 3
30% coinsurance after deductible See footnote 1
Prescription Drugs 4
Generic
Network Pharmacy $9 copay after deductible
Costco Pharmacy $0 copay after deductible
Costco Mail Order $0 copay after deductible
Brand
Network Pharmacy $35 copay after deductible
Costco Pharmacy $35 copay after deductible
Costco Mail Order $90 copay after deductible
Specialty – Navitus Mail Order $35 copay after deductible
Supply Limit Members may receive up to 30 days and/or up to 90 days supply of
medication at participating pharmacies.
1
Non-participating providers can charge more than Anthem’s allowable amounts. When members use non-participating providers, they must pay the
applicable deductibles, copayments or coinsurance plus any amount that exceeds Anthem's allowable amount. Charges above the allowable amount do
not count toward the calendar year medical deductible or out-of-pocket maximum.
2
24/7 virtual access to provider and therapists.
3
Up to a max combined benefit of $700 per pair every 24 months for the hearing aid and ancillary equipment.
4 Pharmacy Benefits are administered by Navitus Health Solutions.
12Dental Plans – PPO or HMO
Delta Dental Incentive PPO Plan
In this incentive plan, Delta Dental pays 70% of the PPO contract allowance for covered diagnostic, preventive
and basic services and 70% of the PPO contract allowance for major services during the first year of eligibility.
The coinsurance percentage will increase by 10% each year (to a maximum of 100%) for each enrollee if
employee visits the dentist at least once during the year. If an enrollee does not use the plan during the calendar
year, the percentage remains at the level attained the previous year. If an enrollee becomes ineligible for benefits
and later regains eligibility, the percentage will drop back to 70%.
No member ID cards are distributed with this dental plan - simply provide your dentist with your name, social
security number, and that you are on the Delta Dental PPO plan. To find a dentist visit
deltadentalins.com/enrollees or call (800) 765-6003.
MetLife DHMO Plan
You and your eligible dependents must select a primary dentist from the SafeGuard DHMO directory. To find a
dentist visit www.metlife.com/mybenefits or call (800) 880-1800.
Delta PPO 1 MetLife DHMO
In-Network Out-Of-Network 2 In-Network
Calendar Year Deductible None None
Annual Plan Maximum In-network dentists: $2,500 per person each Not applicable
calendar year
Out-of-Network dentists: $2,200 per person
each calendar year
Diagnostic & Preventive Services
Copays vary by service;
Exams
Plan pays 70-100% see contract for fee
Cleanings
schedule
X-Rays
Basic Services Copays vary by service;
Fillings, Posterior Composites & Sealants Plan pays 70-100% see contract for fee
Endodontics schedule
Oral surgery
Periodontics Copays vary by service; see
Plan pays 100%
contract for fee schedule
Major Services Copays vary by service;
Plan pays 70-100% see contract for fee
Crowns, inlays, onlays, cast restorations
schedule
Prosthodontics Copays vary by service;
Bridges and dentures 50% see contract for fee
schedule
Orthodontic Services Not covered Adults and Children
Orthodontic Lifetime Maximum Not applicable Up to $1,695
Copays vary by service;
see contract for fee
schedule
1
You can visit any licensed dentist, but your out-of-pocket costs may be higher if you choose a non-PPO dentist. Network dentists are
paid contracted fees. You are responsible for any applicable deductibles, coinsurance, and amounts over plan maximums and charges
for non-covered services.
2
Reimbursement is based on PPO contracted fees for PPO dentists, Premier contracted fees for Premier dentists and program
allowance for non-Delta Dental dentists.
13EyeMed Vision
We offer you two vision plans through EyeMed. Vision plan option is based on Medical election. If you elected
Anthem HMO or Kaiser HMO your vision plan option is Materials Only. If you elected an Anthem PPO plan your
vision plan option is Full Service (materials & exam).
Network providers may be accessed on-line at www.eyemed.com or call 866-723-0596.
Network name: INSIGHT. For Out-of-Network claim form visit www.eyemed.com.
MATERIALS ONLY FULL SERVICE
In-Network Out-Of-Network 1 In-Network Out-Of-Network 2
Copayments Reimbursements Copayments Reimbursements
Examination N/A N/A $0 copay Up to $40
Frequency N/A 1 x every 12 months
Eyeglass Lenses (Standard)
Single Vision $0 copay Up to $30 $0 copay Up to $30
Bifocal $0 copay Up to $50 $0 copay Up to $50
Trifocal $0 copay Up to $70 $0 copay Up to $70
Progressive $65-$110 copay Up to $56 $65-$110 copay Up to $56
Frequency 1 x every 12 months 1 x every 12 months
Frames $0 copay; plan pays Up to $175 $0 copay; plan pays Up to $175
up to $250 up to $250
allowance; 20% off allowance; 20% off
retail price over retail price over
$250 $250
Frequency 1 x every 12 months 1 x every 12 months
Contacts 2 (conventional)
Conventional Benefit $0 copay; plan pays Up to $180 $0 copay; plan pays Up to $180
up to $180 up to $180
allowance; 15% off allowance; 15% off
retail price over retail price over
$180 $180
Medically Necessary $0 copay, paid-in- Up to $210 $0 copay, paid-in- Up to $210
Benefit full full
Frequency 1 x every 12 months 1 x every 12 months
1 If you choose to, you may receive covered benefits outside of the EyeMed network. Just pay in full at the time of service, obtain an itemized
receipt, and file a claim for reimbursement of your out-of-network allowance. In-network benefits and discounts will not apply.
2 If you choose to, you may receive covered benefits outside of the EyeMed network. Just pay in full at the time of service, obtain an itemized
receipt, and file a claim for reimbursement of your out-of-network allowance. In-network benefits and discounts will not apply.
2
In-lieu of frames.
14Flexible Spending Account (FSA)
A Flexible Spending Account lets you set aside money—before it's taxed—through payroll deductions. The money
can be used for eligible healthcare and dependent day care expenses you and your family expect to have over the
next year. The main benefit of using an FSA is that you reduce your taxable income, which means you have more
money to spend. The catch is that you have to use the money in your account by December 31st. You must re-
enroll in this program each year. WageWorks administers this program.
IMPORTANT INFORMATION
Expenses must be incurred between 1/1/2019 HEALTHCARE FSA (HFSA)
and 12/31/2019 and submitted for This plan allows you to pay for eligible out-of-pocket
reimbursement no later than 3/30/2020. healthcare expenses with pre-tax dollars. Eligible
Elections cannot be changed during the plan expenses include medical, dental, or vision costs
year, unless you have a qualified status change including plan deductibles, copays, coinsurance
(does NOT apply to Healthcare FSA). amounts, and other non-covered healthcare costs for
you and your tax dependents. You may access your
Healthcare FSA: You can keep (roll-over) up to
entire annual election from the first day of the plan
$500 of unused money for use in the next plan year and you can set aside up to $2,700 this year.
year. Unused amounts above $500 will be lost, so
it is very important that you plan carefully before Looking for information on what expenses are eligible
making your election. under a Health FSA?
Dependent Care FSA: Unused amounts will be Visit www.takecarewageworks.com to search eligible
lost at the end of the plan year, so it is very expenses.
important that you plan carefully before making
your election. DEPENDENT CARE FSA
This plan allows you to pay for eligible out-of-pocket
FSA funds can be used for you, your spouse, and
dependent care expenses with pre-tax dollars. The
your tax dependents only. care must be provided while you work or care is
You can obtain reimbursement for eligible provided to enable you to look for work. Eligible
expenses incurred by your spouse or tax expenses may include daycare centers, in-home child
dependent children, even if they are not covered care, and before or after school care for your
on the District’s health plan. dependent children under age 13. Other individuals
You cannot obtain reimbursement for eligible may qualify if they are considered your tax dependent
and are incapable of self-care. It is important to note
expenses for a domestic partner or their children,
that you can access money only after it is placed into
unless they qualify as your tax dependents your dependent care FSA account.
Important: questions about the tax status of your
dependents should be addressed with your tax All caregivers must have a tax ID or Social Security
advisor. number. This information must be included on
Use Health FSA Debit Card to pay for eligible your federal tax return. If you use the dependent
services and products. Payments are care reimbursement account, the IRS will not allow
you to claim a dependent care credit for reimbursed
automatically withdrawn from your reimbursement
expenses. Consult your tax advisor to determine
account, so there are no out-of-pocket costs. whether you should enroll in this plan. You can set
FSA Store. For convenient online shopping, you aside up to $5,000 per household for eligible
may also use your card at FSAStore.com. dependent care expenses for the year.
Keep your receipts. In most cases, you'll need to
provide proof that your expenses were considered Click here to watch a video and learn more about
take care.
eligible for IRS purposes.
MEMBER SERVICES
(800) 950-0105
www.takecarewageworks.com
15Life Insurance1 and Long-Term Disability
EMPLOYER PAID LIFE AND AD&D VOLUNTARY LIFE3
Basic Life insurance pays your beneficiary a lump Voluntary Life Insurance allows you to purchase
sum if you die. AD&D provides another layer of additional life insurance to protect your family's
benefits to either you or your beneficiary if you financial security. Coverage is provided by Lincoln
suffer from loss of a limb, speech, sight, or hearing, Financial Group.
or if you die in an accident. The District also
provides dependent life insurance and the cost of Employee Voluntary Life Amount
coverage is paid in full by the District.
5X annual salary up to $500,000 max in
Life Amount $50,000 increments of $10,000. Amounts over $300,000
require Evidence of Insurability (EOI).
AD&D Amount $50,000
Employee Voluntary AD&D Amount
DEPENDENT LIFE 5x annual salary up to $500,000 max in
increments of $10,000.
• Spouse or Domestic Partner $1,500 benefit
Spouse/Domestic Partner
amount
Voluntary Life Amount
• Child (each) $1,500 benefit amount
100% of employee coverage ($250,000 max in
increments of $5,000). Amounts over $50,000
EMPLOYER PAID LONG-TERM require Evidence of Insurability (EOI).
DISABILITY 2 Spouse/Domestic Partner
In the event that you become disabled from a non- Voluntary AD&D Amount
work-related injury or sickness, disability income
100% of employee coverage ($250,000 max in
benefits will provide a partial replacement of lost increments of $5,000).
income. The cost of coverage is paid in full by the
District. Child(ren) Voluntary Life and AD&D Amounts
• From 14 days but $250
Eligible Classes: less than 6 months
1. Certificated Management and Certificated of age
Employees 5+years or more of credited CA • 6 months but less $1,000 up to
service under STRS Plan A than 26 years $10,000 in
2. All Other Employees Excluding Class 1 increments of $1,000
Employees
Monthly Benefit Amount 66.67% of monthly Evidence of Insurability (EOI): Depending on the
salary; $3,000 amount of voluntary life coverage you select, you
maximum may need to submit an Evidence of Insurability
Benefits Begin After 140 days form, which involves providing the insurance
Duration See plan summary. company with additional information about your
health. Please email your EOI form to the
The age at which the disability begins may affect Benefits Office. Insurance that requires EOI will
the duration of the benefits. not be effective until Lincoln approves in writing.
Beneficiary Reminder: Make sure that you have Reminder: if you purchase life insurance for a
named a beneficiary for your life insurance benefit. dependent and need to remove them from coverage
It's important to know that many states require that due to a qualifying event, you must notify the
a spouse be named as the beneficiary, unless they Benefits Office within 30 days of event.
sign a waiver.
1
Life Benefit Reduction: coverage amounts begin to reduce at age 70 and benefits terminate at retirement. Spouse basic life insurance
terminates when the spouse attains age 70. See the plan certificate for details.
2 Board of Trustees are not eligible for LTD benefit.
3
Voluntary Life Age Range Premium adjusts take effect at Policy Anniversary (10/1).
16Getting Care When You Need It Now
WHEN TO USE THE ER GET A VIDEO HOUSE CALL
The emergency room shouldn't be your first choice MDLIVE – ANTHEM MEMBERS
unless there's a true emergency—a serious or life MDLive is an inexpensive alternative to the
threatening condition that requires immediate emergency room or urgent care center. Use MDLive
attention or treatment that is only available at a to get the care you need for minor conditions
hospital. including prescriptions (when appropriate).
Connect with a board-certified doctor or therapist via
WHEN TO USE URGENT CARE video chat or phone, from your home, office or on-
the-go 24/7/365.
Urgent care is for serious symptoms, pain, or
conditions that require immediate medical attention Register Request Consult Talk with a Physician
but are not severe or life-threatening and do not For videos and resources, visit
require use of a hospital or ER. Urgent care
www.mdlive.com/sisc.
conditions include, but are not limited to: rashes,
sprains, flu, and fever up to 104°.
PREVENTIVE OR DIAGNOSTIC?
Preventive care is intended to prevent or detect
illness before you notice any symptoms. Diagnostic
care treats or diagnoses a problem after you have
had symptoms.
Be sure to ask your doctor why a test or service is
ordered. Many preventive services are covered at no
out-of-pocket cost to you. The same test or service
can be preventive, diagnostic, or routine care for a
chronic health condition. Depending on why it's
done, your share of the cost may change.
Whatever the reason, it's important to keep up with
recommended health screenings to avoid more
serious and costly health problems down the road.
17Programs and Services
person visits 1. This program is sponsored by SISC and
EMPLOYEE ASSISTANCE PROGRAM available at no cost to eligible employees and covered
There are times when everyone needs a little help or
dependents.
advice. The confidential Employee Assistance Program
(EAP) through Anthem can help you with things like Getting started with Expert Second Opinion program is
stress, anxiety, depression, chemical dependency, completely confidential and only takes a few minutes. To
relationship issues, legal issues, parenting questions, begin using this benefit, members must register online at
financial counseling, and dependent care resources. www.advance-medical.net/sisc/ or call Advance Medical
at (855) 201-9925.
If you need counseling, you get up to 6 visits with a
licensed professional and best of all, it's free.
CARRUM HEALTH PROGRAM
Help is available 24/7, 365 days a year by telephone at Anthem PPO members can receive inpatient surgical
(800) 999-7222. procedures with no cost sharing (deductible applies for
Other resources are available online at HSA members) at Scripps Hospital in San Diego.
www.anthemEAP.com; Company Code SISC. Covered procedures:
The program is available to your family and household • Total hip replacement
members. • Total knee replacement
• Cervical spinal fusion
If your situation requires more lengthy or specializing • Lumbar spinal fusion
treatment than the EAP is designed to provide, they will • Anterior/Posterior Spinal Fusion
refer you to your medical carrier to help you locate a • Discectomy/Spinal Decompression
participating provider on your health plan.
For videos and resources, visit
CONDITION MANAGEMENT www.carrumhealth.com/sisc or call (888) 855-7806.
Condition management is a confidential, voluntary
program designed to help people with specific conditions LIFEKEYS – ADDITIONAL EAP
stay as healthy as possible for as long as possible. Health LifeKeys services include:
management nurses work over the telephone with PPO
• Online will preparation
plan participants who are living with one of the following
conditions: • Information on important life matters
• Protection against identity theft
Diabetes • Guidance and support for your beneficiaries
Coronary artery disease (CAD)
It’s easy to access LifeKeys services. Just call (855) 891-
Please visit the Health Smarts web page at 3684 or visit GuidanceResources.com. (First-time user:
www.sischealth.com for additional information. Enter Web ID LifeKeys)
COSTCO GENERIC PRESCRIPTIONS TRAVELCONNECT
$0 co-pay for generic prescriptions. Costco membership TravelConnect is a comprehensive program that can bring
is NOT required. 30 or 90-day supplies of most generics. help, comfort, and reassurance if you face a medical
Some narcotic pain and cough medications are not emergency or need assistance while traveling 100 or more
included in the Costco Free Generic or 90-day supply miles from home.
programs. Please note this program is not available to
Kaiser members. For a complete list of TravelConnect services, go to
mysearchlightportal.com and enter your group ID:
LFGTravel123. To use TravelConnect services, call On
EXPERT SECOND OPINIONS Call International at (866) 525-1955.
Program provides medical second opinions from nationally
recognized experts specializing in specific areas of need,
with no required travel. This service can also assist
members with locating top, in-network doctors for in-
1
In-person visits/services will be subject to member’s plan
benefits.
18Anthem Programs and Services
DIABETES PREVENTION PROGRAM AUTISM SPECTRUM DISORDERS
Did you know that one in three people are at risk for PROGRAM
developing type 2 diabetes? With the Diabetes
This program helps families touched by ASD.
Prevention Program, you can learn more about
Families with children who fall somewhere on the
wellness, make changes to start losing weight and
Autism Spectrum can get the support they need
reduce your risk of developing type 2 diabetes.
through this program. To learn more call (844)
269-0538.
Programs you can select may include:
Weight Watchers SPECIALOFFERS@ANTHEM
Healthslate®
Anthem offers members a variety of discounts on
Jenny Craig
popular programs that can help you save money and
Noom®
get healthier. Login to Anthem’s website to find
RetrofitSM
discounts on:
Skinny Gene Project
And more • Vision and hearing
Start the journey to a healthier you with a one- • Fitness and health
minute quiz. Visit www.solera4me.com/SISC. • Family and home
• Medicine and treatment
NAVITUS: SPECIALTY
MEDICATIONS HMO AWAY FROM HOME CARE
Specialty medications are high-cost injectable, Through the Blue Cross Blue Shield Global Core
infused, oral, or inhaled medications that generally program, HMO members can access emergency and
require special handling and may be subject to urgent care services across the country and around
special rules such as quantity limits, prior the world. While you can receive urgent care
authorization and/or step therapy. These services from any provider, using the Global Core
medications have become a vital part of the program can be more cost-effective and less hassle.
treatment for chronic illnesses and complex You may not need to pay for the services up front,
diseases such as multiple sclerosis, rheumatoid but if you do, you will be able to submit a claim for
arthritis and cancer. Some medications may involve reimbursement. You can locate a provider any time
special delivery and instructions that not all by calling (800) 810-BLUE or by going to the Find
pharmacies can easily provide. These medications a Doctor section of anthem.com/ca/sisc.
require personalized coordination between the
Through the Away From Home Care program you can
member, the prescriber and pharmacy. Navitus
apply for Guest Membership, if you will be
Specialty helps patients stay on track with treatment
temporarily outside of your service area for at least
while offering the highest standard of
90 days in one location. To request a Guest
compassionate care through personalized support,
Membership application, call (800) 827-6422.
free delivery and refill reminders. Most medications
classified as Specialty can be found on the SISC Please note that Away From Home Care is not
Drug List located on Navitus’ secure member available in all areas and states, and benefits from
website Navi-Gate for Members at the host plan may differ from benefits in the HMO
www.navitus.com. plan.
24/7 NURSELINE
Anthem members can speak directly to a registered
nurse who can help you with your health-related
questions. The call is free and is available to you
anytime. Call the number on the back of your ID
card.
19Value Based Care Benefit for PPO Members
At SISC, we continually evaluate ways to limit unnecessary spending in an effort to keep benefits affordable
without impacting access to high quality and safe care. Effective October 1, 2018, SISC PPO plans has limited
the maximum benefit amount at an in-network outpatient hospital facility for the following five procedures:
Upper GI Endoscopy Upper GI Endoscopy
Arthroscopy Cataract Surgery Colonoscopy with Biopsy without Biopsy
Maximum benefit at
an in-network
$4,500 $2,000 $1,500 $1,250 $1,000
outpatient hospital
facility
There is no limit at an There is no benefit change at an ASC.
in-network Ambulatory
Service Center (ASC) The limits at an outpatient hospital facility do not apply at an ASC.
NOTE: The value-based site of care benefit applies to facility fees only. The fees paid to physicians and any other
practitioners who assist in the procedure, such as anesthesiologists or radiologists, are not affected.
HOW THE VALUE-BASED SITE OF CARE BENEFIT WORKS
If you use an in-network outpatient hospital facility, you will be responsible for the regular deductible and
coinsurance PLUS any amount by which the hospital charge exceeds the maximum benefit. This provision can be
waived if your doctor receives advance certification from Anthem that you need to be in an outpatient hospital
setting. The benefit includes a simple process to exempt the member if the physician provides clinical
justification for using a hospital.
It also allows exceptions when:
• a member lives more than 30 miles from an ASC and a hospital that offers the service for less than the
maximum benefit; or
• if a procedure cannot be scheduled in a medically appropriate timely manner due to available ASCs not
having capacity.
If you use an in-network ASC, then there is no benefit change! You will only be responsible for the regular
deductible and coinsurance. ASCs deliver the same quality of care as in an outpatient hospital setting at a lower
price point due to a more efficient operating structure. It’s time to address the disparity in costs between
hospitals and ASCs. Limiting spending at higher cost facilities is one of the things we can all do to make a
difference.
IMPORTANT
Most physicians have privileges at both hospitals and
ASCs. If you need one of the outpatient procedures on
the list shown above, it will be up to you to either
request treatment at the in-network ASC or have your
doctor obtain an advance certification from Anthem.
If you have questions call member services.
20MDLIVE – Telehealth for Anthem Members
24/7 access to Doctors on your computer or mobile device.
Behavioral health therapy and psychiatrist visits available.
How it Works: Register Request Consult Talk with a Physician
Doctors can help
with many different
health issues, such
as:
• Colds
• Flu
• Sore Throat
• Fever
• Allergies
• Sinus infections
• Bronchitis
• Diarrhea
Anthem HMO & PPO Members $5 copay per doctor • Pinkeye and
consultation other eye
infections
Behavioral Health consultations match the office copay of • Rashes
your health plan. • Joint Pains
HDHP members will pay the entire cost of services until Doctors can also
deductible is met. provide
prescriptions, if
needed.
How to Access
Download MDLIVE app, visit www.mdlive.com/sisc or call (800) 657-6169.
Anthem members will need to have their member ID number and the name, address and phone
number of the covered member who needs medical assistance.
Spanish speaking physicians and representatives are available.
For videos and resources, visit www.mdlive.com/sisc.
21Key Terms
Health insurance seems to have its own language. You will get more out of your plans if understand the most
common terms, explained below in plain English.
MEDICAL PRESCRIPTION DRUG
OUT-OF-POCKET COST - A healthcare expense you BRAND NAME - A drug sold under its trademarked
are responsible for paying with your own money, name. For example, Lipitor is the brand name of a
whether from your bank account, credit card, or common cholesterol medicine. You generally pay a
from a health account such as an HSA, FSA or HRA. higher copay for brand name drugs.
DEDUCTIBLE - The amount of healthcare expenses GENERIC DRUG - A drug that has the same active
you have to pay for with your own money before your ingredients as a brand name drug, but is sold under
health plan will pay. The deductible does not apply a different name. For example, Atorvastatin is the
to preventive care and certain other services. generic name for medicines with the same formula
as Lipitor. You generally pay a lower copay for
COINSURANCE - After you meet the deductible generic drugs.
amount, you and your health plan share the cost of
covered expenses. Coinsurance is always a PREFERRED DRUG - Each health plan has a list of
percentage totaling 100%. For example, if the plan prescription medicines that are preferred based on
pays 70% coinsurance, you are responsible for an evaluation of effectiveness and cost. Another
paying your coinsurance share, 30% of the cost. name for this list is a "formulary." The plan may
charge more for non-preferred drugs or for brand
COPAY - A set fee you pay whenever you use a name drugs that have generic versions. Drugs that
particular healthcare service, for example, when you are not on the preferred drug list may not be
see your doctor or fill a prescription. After you pay covered.
the copay amount, your health plan pays the rest of
the bill for that service.
IN-NETWORK / OUT-OF-NETWORK - Network
providers (doctors, hospitals, labs, etc.) are
contracted with your health plan and have agreed to
charge lower fees to plan members, as negotiated in
their contract with the health plan. Services from
out-of-network providers can cost you more because
the providers are under no obligation to limit their
maximum fees. With some plans, such as HMOs and
EPOs, services from out-of-network providers are not
covered at all.
OUT-OF-POCKET MAXIMUM - The most you would
pay from your own money for covered healthcare
expenses in one year. Once you reach your plan's
out-of-pocket maximum dollar amount (by paying
your deductible, coinsurance and copays), the plan
pays for all eligible expenses for the rest of the plan
year.
22You can also read
