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Common
Medical Event
Services You May Need
Your Cost If
You Use a
Network
Provider
Your Cost if
You Use a
Non-Network
Provider
Limitations & Exceptions
If you have a hospital
stay
Facility fee (e.g., hospital room) $1000 copay/day 30% coinsurance 3 days for copay per day
Preauthorization may be required - if not obtained,
penalty will be 40%
Physician/surgeon fee
No charge
30% coinsurance none
If you have mental
health, behavioral
health, or substance
abuse needs
Mental/Behavioral health
outpatient services
$45 copay/visit
30% coinsurance none
Mental/Behavioral health
inpatient services
$1000 copay/day 30% coinsurance 3 days for copay per day
Preauthorization may be required - if not obtained,
penalty will be 40%
Substance use disorder
outpatient services
$45 copay/visit
30% coinsurance none
Substance use disorder
inpatient services
$1000 copay/day 30% coinsurance 3 days for copay per day
Preauthorization may be required - if not obtained,
penalty will be 40%
If you are pregnant
Prenatal and postnatal care
No charge
30% coinsurance none
Delivery and all inpatient
services
$1000 copay/day 30% coinsurance 3 days for copay per day
Preauthorization may be required - if not obtained,
penalty will be 40%
If you need help
recovering or have
other special health
needs
Home health care
$85 copay/visit
30% coinsurance 120 visit limit per calendar year
Preauthorization may be required - if not obtained,
penalty will be 40%
Rehabilitation services
$85 copay/visit
30% coinsurance Therapies:
Preauthorization may be required - if not obtained,
penalty will be 40%
Manipulations and Therapies:
40 visits per cal yr, includes manipulations, adjustments
For non-network, 10 visit per cal yr, includes
manipulations, adjustments
Habilitation services
$85 copay/visit
30% coinsurance
Skilled nursing care
$85 copay/day 30% coinsurance 60 days per calendar year
Preauthorization may be required - if not obtained,
penalty will be 40%