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Anne Arundel County Government Triple Option Open Access
Coverage Period: 01/01/2017 – 12/31/2017
Summary of Benefits and Coverage:
What this Plan Covers & What it Cost
Coverage for:
Individual
|
Plan Type: POS
Questions:
If you are a member please call the number on your ID card or by logging into My Account. Otherwise, please call 1-800-628-8549.
If you aren’t
clear about any of the underlined terms used in this form, see the Glossary at
www.carefirst.com/sbcg
.
CareFirst SBC ID: SBC20160816AnneArundelCountyGovernmentPOSN012017
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
www.carefirst.com
or by calling
1-800-628-8549
.
Important Questions
Answers
Why this Matters:
Option 1
Option 2
Option 3
What is the overall
deductible?
$125 Individual
$250 Family
$250 Individual
$500 Family
$500 Individual
$1,000 Family
Option 1: 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 5 for how much you pay
for covered services after you meet the
deductible
.
Option 2: 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 5 for how much you pay for
covered services after you meet the
deductible
.
Option 3: 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 5 for how much you pay
for covered services after you meet the
deductible
.
Are there other
deductibles
for specific
services?
No
No
No
Option 1: You don’t have to meet deductibles for specific services, but see
the chart starting on page 5 for other costs for services this plan covers.
Option 2: You don’t have to meet deductibles for specific services, but see
the chart starting on page 5 for other costs for services this plan covers.
Option 3: You don’t have to meet deductibles for specific services, but see
the chart starting on page 5 for other costs for services this plan covers.
CareFirst SBC ID: SBC20160816AnneArundelCountyGovernmentPOSN012017
Is there an out–of–
pocket limit on my
expenses?
$500 Individual
$1,000 Family
$1,000 Individual
$2,000 Family
$1,500 Individual
$3,000 Family
Option 1: 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.
Option 2: 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.
Option 3: 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.
What is not included
in
the out–of–pocket limit?
Premiums, balance-billed
charges (unless balanced
billing is prohibited), and
health care this plan
doesn’t cover
Premiums, balance-billed
charges (unless balanced
billing is prohibited), and
health care this plan
doesn’t cover
Premiums, balance-billed
charges (unless balanced
billing is prohibited), and
health care this plan doesn’t
cover
Option 1 :Even though you pay these expenses, they don’t count toward the
out-of-pocket limit
.
Option 2: Even though you pay these expenses, they don’t count toward the
out-of-pocket limit
.
Option 3: Even though you pay these expenses, they don’t count toward the
out-of-pocket limit
.
Is there an overall
annual limit on what the
plan pays?
No
No
No
Option 1 :The chart starting on page 5 describes any limits on what the plan
will pay for
specific
covered services, such as office visits.
Option 2: The chart starting on page 5 describes any limits on what the plan
will pay for
specific
covered services, such as office visits.
Option 3: The chart starting on page 5 describes any limits on what the plan
will pay for
specific
covered services, such as office visits.
Does this plan use a
network
of providers?
Yes. Please visit
www.carefirst.com
or
call 1-800-628-8549 for a
listing of In-network
providers.
Yes. Please visit
www.carefirst.com
or call
1-800-628-8549 for a
listing of Preferred
providers.
No
Option 1: 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 5 for how this
plan pays different kinds of
providers
.
Option 2: 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 5 for how this
plan pays different kinds of
providers
.
Option 3 : 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 5 for how this
plan pays different kinds of
providers
.