Clinical Resource - 2016 Benefits Guide

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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 need drugs to
treat your illness or
condition
More information
about prescription
drug coverage is
available at
/2016-HDHP-EHB.
Generic and brand-name drugs 20% coinsurance
(Retail)
20% coinsurance
(Mail Order)
20% coinsurance,
after Network
Coinsurance
(Retail)
20% coinsurance
(Mail Order)
30 day supply
Preauthorization may be required - if not obtained,
penalty will be 100% for certain prescription drugs
(Retail)
90 day supply
Preauthorization may be required - if not obtained,
penalty will be 100% for certain prescription drugs
(Mail Order)
If you have
outpatient surgery
Facility fee (e.g., ambulatory
surgery center)
20% coinsurance 40% coinsurance Preauthorization may be required - if not obtained,
penalty will be 40%
Physician/surgeon fees 20% coinsurance 40% coinsurance -------------------none-------------------
If you need
immediate medical
attention
Emergency room services 20% coinsurance 20% coinsurance -------------------none-------------------
Emergency medical
transportation
20% coinsurance 20% coinsurance -------------------none-------------------
Urgent care 20% coinsurance 40% coinsurance -------------------none-------------------
If you have a hospital
stay
Facility fee (e.g., hospital room) 20% coinsurance 40% coinsurance Preauthorization may be required - if not obtained,
penalty will be 40%
Physician/surgeon fee 20% coinsurance 40% coinsurance -------------------none-------------------
If you have mental
health, behavioral
health, or substance
abuse needs
Mental/Behavioral health
outpatient services
20% coinsurance 40% coinsurance -------------------none-------------------
Mental/Behavioral health
inpatient services
20% coinsurance 40% coinsurance Preauthorization may be required - if not obtained,
penalty will be 40%
Substance use disorder
outpatient services
20% coinsurance 40% coinsurance -------------------none-------------------
Substance use disorder
inpatient services
20% coinsurance 40% coinsurance Preauthorization may be required - if not obtained,
penalty will be 40%
If you are pregnant Prenatal and postnatal care 20% coinsurance 40% coinsurance -------------------none-------------------
Delivery and all inpatient
services
20% coinsurance 40% coinsurance Preauthorization may be required - if not obtained,
penalty will be 40%