Premier Plan

Summary of Benefits and Coverage: What this Plan Covers & What it Costs

Coverage Period: 01/01/2015-12/31/2015

Coverage for: Employee/Family | Plan Type: PS1

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.benefits-desk.com or by calling 1-877-745-6304.
Important Questions
What is the overall
deductible?
Are there other deductibles
for specific services?
Is there an outofpocket
limit on my expenses?
What is not included in the
outofpocket limit?
Is there an overall annual
limit on what the plan pays?
Does this plan use a
network of providers?
Do I need a referral to see a
specialist?
Are there services this plan
doesnt cover?

Answers
Network: $600 Individual / $1,800 Family
Non-Network: $2,000 Individual / $6,000 Family / Per
calendar year.
Does not apply to copays, pharmacy drugs, and services
listed below as No Charge.
No, there are no other deductibles.
Medical- Network: $1,600 Individual / $4,800 Family
Non-Network: $7,000 Individual / $21,000 Family
Premium, balanced-billed charges, health care this plan
doesnt cover, penalties for failure to obtain pre-notification
for services.
This policy has no overall annual limit on the amount it will
pay each year.

Why this Matters:

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 2 for how
much you pay for covered services after you meet the deductible.
You dont have to meet deductibles for specific service, but see the
chart starting on page 2 for other costs for services this plan covers.
The out-of-pocket limit is the most you could pay during a calendar
year for your share of the cost of covered services. This limit helps
you plan for health care expenses.
Even though you pay these expenses, they dont count toward the
out-of-pocket limit.

The chart starting on page 2 describes specific coverage limits, such

as limits on the number of office visits.
If you use a network doctor or other health care provider, this plan
Yes, this plan uses network providers. If you use a nonwill pay some or all of the costs of covered services. Be aware, your
network provider your cost may be more. For a list of
network doctor or hospital may use a non-network provider for
network providers, see www.myuhc.com or call 1-800-503- some services. Plans use the term network, preferred, or
9869.
participating for providers in their network. See the chart starting
on page 2 for how this plan pays different kinds of providers.
You can see the specialist you choose without permission from this
No
plan.
Some of the services this plan doesnt cover are listed on Page 6. See
Yes
your policy or plan document for additional information about
excluded services.

Questions: Call 1-800-503-9869 or visit us at www.myuhc.com. If you arent clear about any of the underlined terms used in this form, see the
Glossary. You can view the Glossary at http://www.dol.gov/ebsa/pdf/SBCUniformGlossary.pdf or call the number above to request a copy.
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Premier Plan
Summary of Benefits and Coverage: What this Plan Covers & What it Costs

Coverage Period: 01/01/2015-12/31/2015

Coverage for: Employee/Family | Plan Type: PS1

Copayments are fixed dollar amounts (for example, $15) you pay for covered health care, usually when you receive the service.
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 the plans allowed amount for
an overnight hospital stay is $1,000, your coinsurance payment of 20% would be $200. This may change if you havent met your deductible.
The amount the plan pays for covered services is based on the allowed amount. If an out-of-network provider charges more than the allowed amount, you may have to
pay the difference. For example, if an out-of-network hospital charges $1,500 for an overnight stay and the allowed amount is $1,000, you may have to pay the $500
difference. (This is called balance billing.)
This plan may encourage you to use network providers by charging you lower deductibles, copayments and coinsurance amounts.
Common Medical
Event

Services You May Need

Primary care visit to treat an
injury or illness
Specialist visit

If you visit a health care

providers office or
clinic
Other practitioner office visit

$25 Copay/visit
$25 Copay/visit

Your Cost If You Use a

Non-network Provider
50% Coinsurance After
Deductible
50% Coinsurance After
Deductible

$25 Copay/visit

50% Coinsurance After

Deductible

No Charge

50% Coinsurance After

Deductible

Diagnostic test (x-ray, blood

work)

15% Coinsurance After

Deductible

50% Coinsurance

Imaging (CT/PET scans,

MRIs)

15% Coinsurance After

Deductible

50% Coinsurance

Preventive
care/screening/immunization
If you have a test

Your Cost If You Use a

Network Provider

Limitations & Exceptions

None
None
Cost Share applies for only
Manipulative (Chiropractic) Care. 30
visits per calendar year, combined in
and out of network.
Includes preventive health services
specified in the health care reform law.
Notification required for non-network
sleep studies or $250 penalty applies.
Non-network notification is required
or $250 penalty.

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Premier Plan
Summary of Benefits and Coverage: What this Plan Covers & What it Costs
Common Medical
Event

If you need drugs to

treat your illness or
condition

More information about

prescription drug
coverage is available at
www.myuhc.com.

If you have outpatient

surgery

Services You May Need

Tier 1 - Your Lowest-Cost
Option

Retail: $20 Copay

Mail Order: $40 Copay

Tier 2 - Your Midrange-Cost

Option

Retail: $40 Copay

Mail Order: $80 Copay

Tier 3 - Your Highest-Cost

Option

Retail: $75 Copay

Mail Order: $150 Copay

Tier 4 - Additional High-Cost

Option

Retail: Not Covered

Mail Order: Not Covered

Facility fee (e.g., ambulatory

surgery center)
Physician/surgeon fees
Emergency room services

If you need immediate

medical attention

Emergency medical
transportation
Urgent care

If you have a hospital

stay

Your Cost If You Use a

Network Provider

Facility fee (e.g., hospital

room)
Physician/surgeon fee

15% Coinsurance After

Deductible
15% Coinsurance After
Deductible
$50 Copay/visit, 15%
Coinsurance
15% Coinsurance After
Deductible
$25 Copay/visit
15% Coinsurance After
Deductible
15% Coinsurance After
Deductible

Coverage Period: 01/01/2015-12/31/2015

Coverage for: Employee/Family | Plan Type: PS1
Your Cost If You Use a
Non-network Provider
Retail: $20 Copay
Mail-Order: Not Covered
Retail: $40 Copay
Mail-Order: Not Covered
Retail: $75 Copay
Mail-Order: Not Covered
Retail: Not Covered
Mail-Order: Not Covered
50% Coinsurance After
Deductible
50% Coinsurance After
Deductible
$50 Copay/visit, 15%
Coinsurance
15% Coinsurance After
Deductible
50% Coinsurance After
Deductible
50% Coinsurance After
Deductible
50% Coinsurance After
Deductible

Limitations & Exceptions

Out of Network - Tier 1: $20 copay
then 50% of eligible expenses. Retail;
Up to a 30-day supply
MailOrder: Up to a 90-day supply
Out of Network - Tier 2: $40 copay
then 50% of eligible expenses. Retail;
Up to a 30-day supply
MailOrder: Up to a 90-day supply
Out of Network - Tier 3: $75 copay
then 50% of eligible expenses. Retail;
Up to a 30-day supply
MailOrder: Up to a 90-day supply
None
None
None
None
None
None
Non-network notification is required
or $250 penalty.
None

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Premier Plan
Summary of Benefits and Coverage: What this Plan Covers & What it Costs
Common Medical
Event
If you have mental
health, behavioral
health, or substance
abuse needs

If you are pregnant

Coverage for: Employee/Family | Plan Type: PS1

15% Coinsurance After

Deductible

Your Cost If You Use a

Non-network Provider
50% Coinsurance After
Deductible
50% Coinsurance After
Deductible
50% Coinsurance After
Deductible
50% Coinsurance After
Deductible

Prenatal and postnatal care

15% Coinsurance After

Deductible

50% Coinsurance After

Deductible

Delivery and all inpatient

services

15% Coinsurance After

Deductible

50% Coinsurance After

Deductible

Services You May Need

Mental/Behavioral health
outpatient services
Mental/Behavioral health
inpatient services
Substance use disorder
outpatient services
Substance use disorder
inpatient services

Your Cost If You Use a

Network Provider

Coverage Period: 01/01/2015-12/31/2015

$25 Copay/visit
15% Coinsurance After
Deductible
$25 Copay/visit

Limitations & Exceptions

None
Non-network notification is required
or $250 penalty.
None
Non-network notification is required
or $250 penalty.
Your cost in this category includes
physician delivery charges. Routine
pre-natal care is covered at No Charge.
Notification required for non-network
when delivery time frame exceeded or
$250 penalty. Your cost for inpatient
services only. For physician delivery
charges, see pre/postnatal care.

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Premier Plan
Summary of Benefits and Coverage: What this Plan Covers & What it Costs
Common Medical
Event

Your Cost If You Use a

Non-network Provider

15% Coinsurance After

Deductible

50% Coinsurance After

Deductible

$25 Copay/visit

50% Coinsurance After

Deductible

Habilitation services

Not Covered

Not Covered

Skilled nursing care

15% Coinsurance After

Deductible

50% Coinsurance After

Deductible

Durable medical equipment

15% Coinsurance After

Deductible

50% Coinsurance After

Deductible

15% Coinsurance After

Deductible
Not Covered
Not Covered
Not Covered

50% Coinsurance After

Deductible
Not Covered
Not Covered
Not Covered

Rehabilitation services

Hospice service
If your child needs
dental or eye care

Coverage for: Employee/Family | Plan Type: PS1

Your Cost If You Use a

Network Provider

Services You May Need

Home health care

If you need help

recovering or have
other special health
needs

Coverage Period: 01/01/2015-12/31/2015

Eye exam
Glasses
Dental check-up

Limitations & Exceptions

Non-network notification is required
or $250 penalty. Limited to 1 visit per
day up to 100 visits per calendar year
combined in and out-of-network.
60 visits per calendar year,
physical/occupational/speech
combined. No limit on cardiac and
pulmonary rehab.
None
Non-network notification is required
or $250 penalty. Limited to 100 visits
per calendar year combined in and out
of network.
Non-network notification is required
for DME over $1,000 or $250 penalty.
Wig is limited to one per lifetime.
Non-network notification is required
or $250 penalty.
Available through another provider
Available through another provider
Available through another provider

Excluded Services & Other Covered Services:

Services Your Plan Does NOT Cover (This isnt a complete list. Check your policy or plan document for other excluded services.)
Adult routine vision exam (i.e. refraction)
Cosmetic Surgery
Infertility treatment
Child dental check-up
Dental Care (Adult)
Long-term care
Child glasses
Habilitation services
Weight loss programs
Child routine vision exam (i.e. refraction)
Hearing aids
Other Covered Services (This isnt a complete list. Check your policy or plan document for other covered services and your costs for these services.)
Acupuncture limitations may apply
Chiropractic care limitations may apply
Private-duty nursing limitations may
apply
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Premier Plan
Summary of Benefits and Coverage: What this Plan Covers & What it Costs

Bariatric Surgery limitations may apply

Your Rights to Continue Coverage:

Non-emergency care when traveling

outside the U.S.

Coverage Period: 01/01/2015-12/31/2015

Coverage for: Employee/Family | Plan Type: PS1

Routine foot care limitations may apply

If you lose coverage under the plan, then, depending upon the circumstances, Federal and State laws may provide protections that allow you to keep health
coverage. 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
while covered 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 1-866-451-3399 . 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
Human Services 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
questions about your rights, this notice, or assistance, you can contact us at 1-800-503-9869 or visit www.myuhc.com.
Additionally, a consumer assistance program can help you file your appeal. A list of states with Consumer Assistance Programs is available at
www.dol.gov/ebsa/healthreform and http://cciio.cms.gov/programs/consumer/capgrants/index.html.

Does this Coverage Provide Minimum Essential Coverage?

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

Does this Coverage Meet the Minimum Value Standard?

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

Language Access Services:

Spanish (Espaol): Para obtener asistencia en Espaol, llame al 1-800-503-9869.

Tagalog (Tagalog): Kung kailangan ninyo ang tulong sa Tagalog tumawag sa 1-800-503-9869.

Chinese (): 1-800-503-9869.

Navajo (Dine): Dinek'ehgo shika at'ohwol ninisingo, kwiijigo holne' 1-800-503-9869.
To see examples of how this plan might cover costs for a sample medical situation, see the next page.

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Premier Plan

Coverage Period: 01/01/2015-12/31/2015

Coverage Examples

Coverage for: Employee/Family | Plan Type: PS1

About these Coverage

Examples:
These examples show how this plan might
cover medical care in given situations. Use
these examples to see, in general, how
much financial protection a sample patient
might get if they are covered under
different plans.

This is
not a cost
estimator.
Dont use these examples to
estimate your actual costs under
this plan. The actual care you
receive will be different from these
examples, and the cost of that care
also will be different.
If other than individual coverage,
the Patient Pays amount may be
more.

Having a baby

Managing type 2 diabetes

(normal delivery)

(routine maintenance of a well-controlled

condition)
Amount owed to providers: $5,400
Plan pays $3,720
Patient pays $1,680

Amount owed to providers: $7,540

Plan pays $5,790
Patient pays $1,750
Sample care costs:
Hospital charges (mother)
Routine obstetric care
Hospital charges (baby)
Anesthesia
Laboratory tests
Prescriptions
Radiology
Vaccines, other preventive
Total

$2,700
$2,100
$900
$900
$500
$200
$200
$40
$7,540

Patient pays:
Deductibles
Copays
Coinsurance
Limits or exclusions
Total

$600
$0
$1,000
$150
$1,750

Sample care costs:

Prescriptions
Medical Equipment and Supplies
Office Visits and Procedures
Education
Laboratory tests
Vaccines, other preventive
Total

$2,900
$1,300
$700
$300
$100
$100
$5,400

Patient pays:
Deductibles
Copays
Coinsurance
Limits or exclusions
Total

$600
$990
$10
$80
$1,680

See the next page for important

information about these examples.

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Premier Plan
Coverage Examples

Coverage Period: 01/01/2015-12/31/2015

Coverage for: Employee/Family | Plan Type: PS1

Questions and answers about the Coverage Examples:

What are some of the assumptions
behind the Coverage Examples?

Costs dont include premiums.

Sample care costs are based on national
averages supplied by the U.S. Department
of Health and Human Services, and arent
specific to a particular geographic area or
health plan.
The patients condition was not an
excluded or preexisting condition.
All services and treatments started and
ended in the same coverage period.
There are no other medical expenses for
any member covered under this plan.
Out-of-pocket expenses are based only on
treating the condition in the example.
The patient received all care from innetwork providers. If the patient had
received care from out-of-network
providers, costs would have been higher.

What does a Coverage Example Show

For each treatment situation, the Coverage
Example helps you see how deductibles,
copayments, and coinsurance can add up. It
also helps you see what expenses might be left
up to you to pay because the service or treatment
isnt covered or payment is limited.

Does the Coverage Example predict my

own care needs?

No. Treatments shown are just examples.

The care you would receive for this

condition could be different based on your
doctors advice, your age, how serious your
condition is, and many other factors.

Does the Coverage Example predict my

future expenses?

No. Coverage Examples are not cost

estimators. You cant use the examples to

estimate costs for an actual condition. They
are for comparative purposes only. Your
own costs will be different depending on
the care you receive, the prices your
providers charge, and the reimbursement
your health plan allows.

Can I use Coverage Examples to

compare plans?

Yes. When you look at the Summary of

Benefits and Coverage for other plans, youll

find the same Coverage Examples. When you
compare plans, check the Patient Pays box
in each example. The smaller that number,
the more coverage the plan provides.

Are there other costs I should consider

when comparing plans?

Yes. An important cost is the premium you

pay. Generally, the lower your premium,
the more youll pay in out-of-pocket costs,
such as copayments, deductibles, and
coinsurance. You should also consider
contributions to accounts such as health
savings accounts (HSAs), flexible spending
arrangements (FSAs) or health
reimbursement accounts (HRAs) that help
you pay out-of-pocket expenses.

Questions: Call 1-800-503-9869 or visit us at www.myuhc.com. If you arent clear about any of the underlined terms used in this form, see the
Glossary. You can view the Glossary at http://www.dol.gov/ebsa/pdf/SBCUniformGlossary.pdf Or call the number above to request a copy.
717730_01012015_002_1_112014_051610_PM_R

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