Wednesday, January 07, 2009
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Your Benefits at a Glance

An explanation of each of these tier's, for the Non-Medicare eligilbe retirees and their dependents, is available by clicking here. *Please pay special attention to those services which would require prior authorization when reading this document.

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Retirees and Dependents under Age 65 enrolled in the Exclusive Care Select Non-Medicare Plan. Call 1-800-962-1133 for additional information. The table consists of multiple rows with 4 columns, one column for Coverage Type, one for Tier 1 cost, one for tier 2 cost and one column for tier 3 costs.
Retirees & Dependents Under Age 65
Exclusive Care Select Non-Medicare
Call 1-800-962-1133 for additional information
 
 
Exclusive Care Logo 
Coverage Type
Tier 1- Exclusive Care Network
Tier 2- National Network of Providers
Tier 3- Non-Network Providers
 
Annual Out-Pocket Maximum for Certain Services
 
 
$1,500/person
$4,500/family
 
$2,500/person
$7,500/family
 
$5,000/person
$15,000/family
 
Primary Care and Specialist Physician Office Visits
 
 
$10/primary care
$20/specialist
 
$25/primary care
$50/specialist
 
60% of Allowable Charges (AC)
Inpatient Hospital Services
(Mandatory Centers of Excellence apply)
 
90%
 
 
80%
 
60% of AC
 
Outpatient Facility Services
(Mandatory Centers of Excellence apply to some Outpatient Facility)
 
90%
 
80%
 
60% of AC
 
Hospital Emergency Room or Outpatient Facility (Mandatory Centers of Excellence apply to some Outpatient Facility)
 
$50 co-pay, then 90%
 
$100 co-pay, then 80%
 
$100 co-pay, then 80% of AC
 
Urgent Care Facility
 
$20 co-pay
 
$50 co-pay
 
60% of AC
 
Rehabilitative Therapy
 
90%
 
80%
 
60% of AC
 
Durable Medical Equipment
 
90%
 
80%
 
60% of AC
 
External Prosthetic Appliances
 
90%
 
80%
 
60% of AC
 
Home Health Services (Up to 26 days/year)
 
90%
 
80%
 
60% of AC
 
Hospice Services
 
90%
 
80%
 
60% of AC
 
Skilled Nursing and Rehabilitation Facilities (100 visits maximum per member per contract year)
 
90%
 
80%
 
60% of AC
 
Laboratory and Radiology Services
 
90%
 
80%
 
60% of AC

Mental Health Inpatient Services
Mandatory Centers of Excellence apply
 

 9
0%

80%

Not Covered

Mental Health Outpatient Services (30 days maximum per member per contract year, unless Severe Mental Illness; Mandatory Centers of Excellence apply)
 
 

$20 co-pay


Not Covered

Substance Abuse Detoxification Inpatient
Services (3-5 day max as medically necessary, one episode/lifetime; Mandatory Centers of Excellence apply)
 


90%


80%


Not Covered

Substance Abuse Detoxification Outpatient Services (30 days maximum per member per contract year; Mandatory Centers of Excellence apply)
 

 
$20 co-pay

Not Covered

Vision Care: Eye Exam 
 
 
 
$10 co-pay

$25 co-pay

Not Covered

Vision Care: One Pair of Approved Glasses 
 


Not Covered
 




Participating Retail Pharmacy

Generic: $15 co-pay
Brand-name formulary: $25 co-pay
Non-formulary Brand: $40 co-pay
Significant or new therapeutic class drugs: 50%
 

Participating Mail-Order pharmacy
(up to a 90 day supply)
Mail-order is MANDATORY for maintenance medications
 

Generic: $30 co-pay
Brand-name formulary: $50 co-pay
Non-formulary Brand: $80 co-pay
  • This is a summary of the frequently asked about benefits. This chart is not meant to be a comprehensive explanation of benefits, cost sharing, exclusions or limitations. For a complete explanation of benefits, please refer to the Summary Plan Document (SPD).
  • "Allowable Charges" is defined as "The allowed amount determined by the Plan to be payable for services rendered by out-of-network (Tier 3) providers. This allowed amount is based on a fee schedule established by Exclusive Care which may be modified by Exclusive Care at any time at its sole discretion. If a Tier 3 provider charges you more than the Allowable Charges covered by the Plan, you will have to pay the excess amount. That amount will not be applied toward your deductible or out-of-pocket limit.   

 

 
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