university of pennsylvania postdoctoral … · limitations & exceptions your cost if you use a...

Important Questions Answers Why this Matters:

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 documentat https://www.aetna.com/sbcsearch/getpolicydocs?u=071200-070020-171617 or by calling 1-888-982-3862.

Participating: Individual $0 / Family $0. See the chart starting on page 2 for your costs for the services this plan covers.What is the overalldeductible?

No. You don't have to meet deductibles for specific services, but see the chartstarting on page 2 for other costs for services this plan covers.Are there other deductiblesfor specific services?

Yes. Participating: Individual $1,500 / Family$3,000.

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 limithelps you plan for health care expenses.

Is there anout-of-pocket limiton my expenses?

Premiums, balance-billed charges, and healthcare this plan does not cover.

Even though you pay these expenses, they don't count toward the out-ofpocket limit.

What is not included inthe out-of-pocket limit?

No.The chart starting on page 2 describes any limits on what the plan will pay forspecific covered services, such as office visits.

Is there an overallannual limit on whatthe plan pays?

If you use an in-network doctor or other health care provider, this plan will paysome or all of the costs of covered services. Be aware, your in-network doctor orhospital may use an out-of-network provider for some services. Plans use theterm in-network, preferred, or participating for providers in their network. Seethe chart starting on page 2 for how this plan pays different kinds of providers.

Does this plan use anetwork of providers?

Yes. See www.aetna.com or call1-888-982-3862 for a list of participatingproviders.

You can see the specialist you choose without permission from this plan.Do I need a referral tosee a specialist? No.

Yes.Some of the services this plan doesn't cover are listed on page 5. See yourpolicy or plan document for additional information about excluded services.

Are there services thisplan doesn't cover?

Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Individual + Family | Plan Type: HMO

Coverage Period: 01/01/2017 - 12/31/2017

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UNIVERSITY OF PENNSYLVANIA POSTDOCTORALINSURANCE PLAN : Health Network OnlySM - PA:

Questions: Call 1-888-982-3862 or visit us at www.HealthReformPlanSBC.com. If you aren't clear about any of the underlined termsused in this form, see the Glossary. You can view the Glossary at www.HealthReformPlanSBC.com or call 1-888-982-3862 to request acopy.

www.aetna.com

Limitations & Exceptions

Your Cost If You Use a

Non-ParticipatingProvider

Services You May Need


ParticipatingProvider

CommonMedical Event

Not covered$20 copay/visitPrimary care visit to treat an injury orillnessIncludes Internist, General Physician,Family Practitioner or Pediatrician.

Not covered$30 copay/visitSpecialist visit none

Not covered$30 copay/visitOther practitioner office visit Coverage is limited to 20 visits per calendaryear for Chiropractic care.

Not coveredNo chargePreventive care /screening/immunization

If you visit a healthcare provider's officeor clinic

Age and frequency schedules may apply.

Not coveredNo chargeDiagnostic test (x-ray, blood work) noneNot covered$30 copay/visitImaging (CT/PET scans, MRIs)

If you have a testnone

Copayments are fixed dollar amounts (for example, $15) you pay for covered health care, usually when you receive the service.

The amount the plan pays for covered services is based on the allowed amount. If an out-of-network provider charges more than the allowedamount, you may have to pay the difference. For example, if an out-of-network hospital charges $1,500 for an overnight stay and the allowedamount is $1,000, you may have to pay the $500 difference. (This is called balance billing.)

Coinsurance is your share of the costs of a covered service, calculated as a percent of the allowed amount for the service. For example, if theplan's allowed amount for an overnight hospital stay is $1,000, your coinsurance payment of 20% would be $200. This may change if youhaven't met your deductible.

This plan may encourage you to use participating providers by charging you lower deductibles, copayments, and coinsurance amounts.


Coverage Period: 01/01/2017 - 12/31/2017

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CommonMedical Event

Not covered

Copay/prescription:$10 for 30 day supply(retail), $20 for 31-90day supply (retail &mail order)

Generic drugs

Covers 30 day supply (retail), 31-90 daysupply (retail & mail order). Includescontraceptive drugs & devices obtainablefrom a pharmacy, oral fertility drugs. Nocharge for formulary genericFDA-approved women's contraceptivesin-network.

Not covered


Preferred brand drugs

Not covered


Non-preferred brand drugs

Not coveredApplicable cost asnoted above forgeneric or brand drugs.

Specialty drugs

If you need drugs totreat your illness orcondition

More informationabout prescriptiondrug coverage isavailable atwww.aetna.com/pharmacy-insurance/individuals-families

Premier Plus ThreeTier Open Formulary

First prescription must be filled at aparticipating retail pharmacy or AetnaSpecialty Pharmacy Networks. Subsequentfills must be through Aetna SpecialtyPharmacy Networks. Precertificationrequired.

Not covered$100 copay/visitFacility fee (e.g., ambulatory surgerycenter)none

Not coveredNo chargePhysician/surgeon fees

If you haveoutpatient surgery

none$75 copay/visit$75 copay/visitEmergency room services No coverage for non-emergency use.No chargeNo chargeEmergency medical transportation noneNot covered$30 copay/visitUrgent care

If you needimmediate medicalattention No coverage for non-urgent use.

Not covered$250 copay/stayFacility fee (e.g., hospital room) noneNot coveredNo chargePhysician/surgeon fee

If you have a hospitalstay none


Coverage Period: 01/01/2017 - 12/31/2017

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https://www.healthcare.gov/sbc-glossary/#prescription-drug-coveragehttps://www.healthcare.gov/sbc-glossary/#prescription-drug-coveragehttp://www.aetna.com/pharmacy-insurance/individuals-familieshttp://www.aetna.com/pharmacy-insurance/individuals-familieshttp://www.aetna.com/pharmacy-insurance/individuals-families







CommonMedical Event

Not covered$30 copay/visitMental/Behavioral health outpatientservicesnone

Not covered$250 copay/stayMental/Behavioral health inpatientservicesnone

Not covered$30 copay/visitSubstance use disorder outpatientservicesnone

Not covered$250 copay/staySubstance use disorder inpatientservices

If you have mentalhealth, behavioralhealth, or substanceabuse needs

none

Not coveredNo chargePrenatal and postnatal care none

Not covered

$30 copay forphysician maternityservices; $250copay/stay for facilityservices

Delivery and all inpatient servicesIf you are pregnant

Includes outpatient postnatal care.

Not covered$30 copay/visitHome health care none

Not covered$30 copay/visitRehabilitation servicesCoverage is limited to 60 visits per calendaryear for Physical, Occupational & SpeechTherapy combined.

Not covered$30 copay/visitHabilitation services Coverage is limited to treatment of Autism.Not covered$250 copay/staySkilled nursing care noneNot coveredNo chargeDurable medical equipment none

Not covered$250 copay/stay forinpatient; no charge foroutpatient

Hospice service

If you need helprecovering or haveother special healthneeds

none

Not covered$30 copay/visitEye exam Coverage is limited to 1 routine eye examper 24 months.Not coveredNot coveredGlasses Not covered.Not coveredNot coveredDental check-up

If your child needsdental or eye care

Not covered.


Coverage Period: 01/01/2017 - 12/31/2017

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(This isn't a complete list. Check your policy or plan document for other excluded services.)Excluded Services & Other Covered Services:Services Your Plan Does NOT Cover

AcupunctureBariatric surgeryCosmetic surgeryDental care (Adult & Child)

Glasses (Child)Hearing aidsLong-term careNon-emergency care when traveling outside theU.S.

Private-duty nursingRoutine foot careWeight loss programs - Except for requiredpreventive services.

(This isn't a complete list. Check your policy or plan document for other covered services and your costs for these services.)Other Covered Services

Chiropractic care - Coverage is limited to 20 visitsper calendar year.

Infertility treatment - Coverage is limited to thediagnosis and treatment of underlying medicalcondition.

Routine eye care (Adult) - Coverage is limited to 1routine eye exam per 24 months.

Your Rights to Continue Coverage:If you lose coverage under the plan, then, depending upon the circumstances, Federal and State laws may provide protections that allow you to keep healthcoverage. Any such rights may be limited in duration and will require you to pay a premium, which may be significantly higher than the premium you pay whilecovered under the plan. Other limitations on your rights to continue coverage may also apply.For more information on your rights to continue coverage, contact the plan at 1-888-982-3862. You may also contact your state insurance department, the U.S.Department of Labor, Employee Benefits Security Administration at 1-866-444-3272 or www.dol.gov/ebsa, or the U.S. Department of Health and HumanServices at 1-877-267-2323 x61565 or www.cciio.cms.gov.Your Grievance and Appeals Rights:If you have a complaint or are dissatisfied with a denial of coverage for claims under your plan, you may be able to appeal or file a grievance. For questionsabout your rights, this notice, or assistance, you can contact us by calling the toll free number on your Medical ID Card. If your group health plan is subject toERISA, you may also contact the Department of Labor's Employee Benefits Security Administration at 1-866-444-EBSA (3272) orwww.dol.gov/ebsa/healthreform. You may also contact the Pennsylvania Insurance Department, Bureau of Consumer Services, (877) 881-6388,http://www.insurance.pa.gov/Consumers

The Affordable Care Act requires most people to have health care coverage that qualifies as "minimum essential coverage". This plan or policy does provideminimum essential coverage.

Does this Coverage Provide Minimum Essential Coverage?


Coverage Period: 01/01/2017 - 12/31/2017

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The Affordable Care Act establishes a minimum value standard of benefits of a health plan. The minimum value standard is 60% (actuarial value). This healthcoverage does meet the minimum value standard for the benefits it provides.

Does this Coverage Meet Minimum Value Standard?


Coverage Period: 01/01/2017 - 12/31/2017

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About these CoverageExamples:

Amount owed to providers: $7,540Plan pays: $7,040Patient pays: $500

Sample care costs:

Amount owed to providers: $5,400Plan pays: $4,720Patient pays: $680

Sample care costs:Hospital charges (mother)Routine obstetric careHospital charges (baby)AnesthesiaLaboratory testsPrescriptionsRadiologyVaccines, other preventiveTotal

$200

$500

$2,100$2,700

$900$900

$40$7,540

Patient pays:

Patient pays:

DeductiblesCopaysCoinsuranceLimits or exclusions

$0$300

$0

$500$200

$680

PrescriptionsMedical Equipment and SuppliesOffice Visits and Procedures

DeductiblesCopaysCoinsuranceLimits or exclusions

$0$600

$0$80

$700$300

$1,300$2,900

$5,400

These examples show how this plan might covermedical care in given situations. Use theseexamples to see, in general, how much financialprotection a sample patient might get if they arecovered under different plans.

EducationLaboratory testsVaccines, other preventive$200

$100$100

Having a baby(normal delivery)

Managing type 2 diabetes(routine maintenance of

a well-controlled condition)

Total

Total

Total

This is nota costestimator.

Don't use these examples toestimate your actual costsunder this plan. The actualcare you receive will bedifferent from theseexamples, and the cost ofthat care also will bedifferent.

See the next page forimportant information aboutthese examples.

Coverage Examples Coverage for: Individual + Family | Plan Type: HMO

Coverage Period: 01/01/2017 - 12/31/2017

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Questions and answers about the Coverage Examples:What are some of the assumptionsbehind the Coverage Examples?

What does a CoverageExample show?

Can I use Coverage Examples tocompare plans?

Does the Coverage Examplepredict my own care needs? Are there other costs I should

consider when comparing plans?

Does the Coverage Examplepredict my future expenses?

Costs don't include premiums.

For each treatment situation, the CoverageExample helps you see how deductibles,copayments, and coinsurance can add up. Italso helps you see what expenses might be leftup to you to pay because the service ortreatment isn't covered or payment is limited.

The care you would receive for thiscondition could be different, based on yourdoctor's advice, your age, how serious yourcondition is, and many other factors.

Treatments shown are just examples.

Coverage Examples are not costestimators. You can't use the examples toestimate costs for an actual condition. Theyare for comparative purposes only. Yourown costs will be different depending onthe care you receive, the prices yourproviders charge, and the reimbursementyour health plan allows.

you pay. Generally, the lower yourpremium, the more you'll pay inout-of-pocket costs, such as copayments,deductibles, and coinsurance. You shouldalso consider contributions to accounts suchas health savings accounts (HSAs), flexiblespending arrangements (FSAs) or healthreimbursement accounts (HRAs) that helpyou pay out-of-pocket expenses.

Benefits and Coverage for other plans,you'll find the same Coverage Examples.When you compare plans, check the "PatientPays" box in each example. The smaller thatnumber, the more coverage the planprovides.

When you look at the Summary of

An important cost is the premium

No.

No.

Yes.

Yes.

Sample care costs are based on nationalaverages supplied by the U.S. Departmentof Health and Human Services, and aren'tspecific to a particular geographic area orhealth plan.The patient's condition was not anexcluded or preexisting condition.All services and treatments started andended in the same coverage period.There are no other medical expenses forany member covered under this plan.Out-of-pocket expenses are based only ontreating the condition in the example.The patient received all care fromin-network providers. If the patient hadreceived care from out-of-networkproviders, costs would have been higher.

Coverage Examples Coverage for: Individual + Family | Plan Type: HMO

Coverage Period: 01/01/2017 - 12/31/2017

8 of 8071200-070020-171617



Persons using assistive technology may not be able to fully access the following information. For assistance, please call 1-888-982-3862.

To view documents from your smartphone or tablet, the free WinZip app is required. It may be available from your App Store.

Provides free language services to people whose primary language is not English, such as:

California HMO/HNO Members: Civil Rights Coordinator, PO Box 24030 Fresno CA, 93779, 1-800-648-7817, TTY 711, Fax 860-262-7705, [email protected] can file a grievance in person or by mail, fax, or email. If you need help filing a grievance, our Civil Rights Coordinator is available to help you. You can also file a civilrights complaint with the U.S. Department of Health and Human Services, Office for Civil Rights electronically through the Office for Civil Rights Complaint Portal,available at https://ocrportal.hhs.gov/ocr/portal/lobby.jsf, or by mail or phone at: U.S. Department of Health and Human Services, 200 Independence Avenue, SW Room509F, HHH Building, Washington, D.C. 20201, 1-800-368-1019, 1-800-537-7697 (TDD).

Assistive Technology

Aetna complies with applicable Federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability, or sex. Aetna does notexclude people or treat them differently because of race, color, national origin, age, disability, or sex.

Aetna:

Provides free aids and services to people with disabilities to communicate effectively with us, such as:

Qualified interpreters

Information written in other languages

Qualified sign language interpreters

Written information in other formats (large print, audio, accessible electronic formats, other formats)

If you need these services, contact our Civil Rights Coordinator.

If you believe that Aetna has failed to provide these services or discriminated in another way on the basis of race, color, national origin, age, disability, or sex, you can filea grievance with: Civil Rights Coordinator, PO Box 14462, Lexington, KY 40512, 1-800-648-7817, TTY 711, Fax 859-425-3379, [email protected].

Smartphone or Tablet

Non-Discrimination

Complaint forms are available at http://www.hhs.gov/ocr/office/file/index.html.

Aetna is the brand name used for products and services provided by one or more of the Aetna group of subsidiary companies, including Aetna Life Insurance Company, Coventry HealthCare plans and their affiliates.

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TTY: 711

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The family deductible and family out-of-pocket limit are cumulative for all familymembers. The family deductible and out-of-pocket limit can be met by a combinationof family members; however no single individual within the family will be subject tomore than the individual deductible or out-of-pocket limit amount.

How is the overall deductible orout-of-pocket limit met?

Individual deductible andout-of-pocket limit

payments apply to thefamily deductible andout-of-pocket limit.

How your out-of-network care is reimbursed:Your plan does not cover care you get outside of our network. Generally, we will not pay anything for that care. But your plan will pay for emergencyservices you receive from health care providers not in our network. Your cost sharing deductibles, coinsurance, copayments will be the same as ifyou got the care in-network. You are not responsible for paying anything else. If you get a bill for anything more, contact us.

Other important information about your plan:This plan does not cover all health care expenses and includes exclusions and limitations. Members should refer to their plan documents to determinewhich health care services are covered and to what extent.

Additional information regarding your plan is available in the Disclosure Document on www.aetna.com.

Information includes:Knowing what is covered which describes how we review a request for coverage for a service or supply

Prescription drug benefit which describes procedures we use to manage prescription drug benefits. These procedures include how to obtain a list ofcovered drugs and the exception policy for receiving coverage of a drug that is not on a closed formulary

Health benefits and health insurance plans are offered and/or underwritten by Aetna Health Inc., Aetna Health of California Inc., Aetna HealthInsurance Company of New York, Aetna Health Insurance Company and/or Aetna Life Insurance Company (Aetna). In Florida, by Aetna Health Inc.and/or Aetna Life Insurance Company. In Maryland, by Aetna Health Inc., 151 Farmington Avenue, Hartford, CT 06156. Each insurer has sole financialresponsibility for its own products. While this material is believed to be accurate as of the production date, it is subject to change.Health benefits and health insurance plans contain exclusions and limitations. Not all health services are covered.

071300-100020-251647Page 1 of 3or visit us at www.HealthReformPlanSBC.com.

Questions: Call the toll free number on your ID card (1-888-982-3862 for prospective members), TDD 1-800-628-3323 (hearing impaired only),

UNIVERSITY OF PENNSYLVANIA POSTDOCTORAL INSURANCEPLAN

Supplemental Information Coverage for: Individual + Family | Plan Type: HMO

See plan documents for a complete description of benefits, exclusions, limitations and conditions of coverage. Plan features and availability may vary bylocation and are subject to change. You may be responsible for the health care provider's full charges for any non-covered services, includingcircumstances where you have exceeded a benefit limit contained in the plan. Providers are independent contractors and are not agents of Aetna.Provider participation may change without notice. We do not provide care or guarantee access to health services.

The following is a partial list of services and supplies that are generally not covered. However, your plan documents may contain exceptions to this listbased on state mandates or the plan design or rider(s) purchased by you or your employer.

Donor egg retrieval

All medical and hospital services not specifically covered in, or which arelimited or excluded by your plan documents

Orthotics except diabetic orthotics

Non-medically necessary services or supplies

Radial keratotomy or related proceduresHome births

Experimental and investigational procedures, except for coverage formedically necessary routine patient care costs for members participating ina cancer clinical trial with respect to the treatment of cancer or otherlife-threatening disease or condition.

Outpatient prescription drugs (except for treatment of diabetes),unless covered by a prescription plan rider and over-the-countermedications (except as provided in a hospital) and supplies

Implantable drugs and certain injectable drugs including injectable infertilitydrugs

Immunizations for travel or work except where medically necessary orindicated

Services for the treatment of sexual dysfunction or inadequacies,including therapy, supplies, counseling or prescription drugs

Reversal of sterilization

Long-term rehabilitation therapy Therapy or rehabilitation other than those listed as covered

Aetna receives rebates from drug manufacturers that may be taken into account in determining Aetna's Preferred Drug List. Rebates do not reduce theamount a member pays the pharmacy for covered prescriptions. Aetna Rx Home Delivery refers to Aetna Rx Home Delivery, LLC, a licensed pharmacysubsidiary of Aetna Inc., that operates through mail order. The charges that Aetna negotiates with Aetna Rx Home Delivery may be higher than the costthey pay for the drugs and the cost of the mail order pharmacy services they provide. For these purposes, the pharmacy's cost of purchasing drugs takesinto account discounts, credits and other amounts that they may receive from wholesalers, manufacturers, suppliers and distributors.





2014 Aetna Inc.

We consider your personal information to be private. We have policies and procedures in place to protect your personal information from unlawful useand disclosure. For a summary of our policy, go to www.aetna.com. You'll find the Privacy Notices link at the bottom of the page.

In case of emergency, call 911 or your local emergency hotline, or go directly to an emergency care facility.

Plan features and availability may vary by location and group size.





Colorado Supplement to the Summary of Benefits and Coverage Form

071300-100020-251648 Page 1 of 4

Important Note: The contents of this form are subject to the provisions of the policy, which contains all terms, covenants and conditionsof coverage. It provides additional information meant to supplement the Summary of Benefits and Coverage you have received for thisplan. This plan may exclude coverage for certain treatments, diagnoses, or services not specifically noted. Consult the actual policy todetermine the exact terms and conditions of coverage.

TYPE OF COVERAGE1. TYPE OF PLAN HMO

2. OUT-OF-NETWORK CARE

COVERED?1

3. AREAS OF COLORADOWHERE PLAN IS AVAILABLE

SUPPLEMENTAL INFORMATION REGARDING BENEFITS

Policy Type

Name of Plan

Name of Carrier

Only for emergency

Plan is available ony in the following areas: Adams, Arapahoe, Boulder, Bromfield, Denver,Douglas, El Paso, Elbert, Fremont, Jefferson, Larimer, Mesa, Pueblo, Teller, Weld.

Aetna Health Inc.

Health Network OnlySM - PA

Large Employer Group Policy

Description What this means.

4. Deductible Period

5. Annual Deductible Type

6. What cancer screenings arecovered?

Prostate Cancer ScreeningCervical Cancer ScreeningBreast Cancer ScreeningColorectal Cancer Screening

071300-100020-251648 Page 2 of 4

Calendar year deductibles restart each January

Individual means the deductible amount you and each individualcovered by the plan will have to pay for allowable coveredexpenses before the carrier will cover those expenses. Family isthe maximum deductible amount that is required to be met for allfamily members covered by the plan. It may be an aggregatedamount (e.g., $3,000 per family) or specified as the number ofindividual deductibles that must be met (e.g., 3 deductibles perfamily).

Calendar Year

Individual/Family

Age and Frequency schedule may applyAge and Frequency schedule may applyAge and Frequency schedule may applyAge and Frequency schedule may apply

7. Period during whichpre-existing conditions are notcovered for covered person age

19 and older 2

8. How does the policy define apre-existing condition?

9. Exclusionary Riders. Can anindividual's specific,pre-existing condition beentirely excluded from thepolicy?

No

LIMITATIONS AND EXCLUSIONS

USING THE PLAN

10. If the provider charges more for acovered service than the plan normallypays, does the enrollee have to pay thedifference?

11. Does the plan have a bindingarbitration clause?

No

071300-100020-251648 Page 3 of 4

Not applicable, Plan does not exclude coverage of pre-existing conditions.

No

IN-NETWORK OUT-OF-NETWORK

Yes, refer to your certificate of coverage fordetails.

Not applicable, plan does not impose limitation periods for pre-existing conditions.

071300-100020-251648 Page 4 of 4

Questions: Call

Aetna maintains and makes available to interested parties upon request a managed care network access plan on its business premises. Themanaged care network access plan demonstrates the managed care network contains an adequate number of accessible acute carehospitals, primary care providers, and specialists available to provide covered health care services. Among other things, the access plandescribes Aetna's process for monitoring and assuring on an ongoing basis the sufficiency of the network to meet the health care needs ofplan enrollees.

Colorado Division of InsuranceConsumer Affairs Section1560 Broadway, Suite 850, Denver, CO 80202Call 303-894-7490 (in state, toll free: 800-930-3745)Email: [email protected]

Colorado Access Disclosure:

Endnotes:

If you are not satisfied with the resolution of your complaint or grievance, contact:

1 Networkrefers to a specified group of physicians, hospitals, medical clinics and other health care providers this plan may require youto use in order for you to get any coverage at all under the plan, or that the plan may encourage you to use because it may pay more ofyour bill if you use their network providers (i.e., go in-network) than if you don't (i.e., go out-of-network).2 Waiver of pre-existing condition exclusions. State law requires carriers to waive some or all of the pre-existing condition exclusionperiod based on other coverage you recently may have had. Ask your carrier or plan sponsor (e.g., employer) for details.

1-888-982-3862, TDD 1-800-628-3323 (hearing impaired only) or visit www.Aetna.com.

This document is available in other languages. Do you need this in another language? Call us.No Cost Language Services. You can get an interpreter. You can get documents read to you and some sent to you in your language. Forhelp, call us at the number listed on your ID card or 1-888-982-3862.

Si necesita asistencia lingistica en espaol, llmenos al nmero que figura en su tarjeta de identificacin (ID) mdica.Servicios de idiomas sin costo. Puede obtener un intrprete. Le pueden leer documentos y que le enven algunos en espaol. Para obtenerayuda, llmenos al nmero que figura en su tarjeta de identificacin o al 1-888-982-3862.

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