082800100020032416
082800100020032416
082800100020032416
082800-100020-032416 Page 1 of 6
Published: 10/29/2024
All copayment and coinsurance costs shown in this chart are after your deductible has been met, if a deductible applies.
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What You Will Pay
Common Out–of–Network Limitations, Exceptions, & Other Important
Services You May Need In-Network Provider (You Provider
Medical Event (You will pay Information
will pay the least) the most)
Physician/surgeon fees 0% coinsurance 30% coinsurance None
Out-of-network emergency use paid the same
Emergency room care 0% coinsurance 0% coinsurance as in-network. No coverage for non-emergency
use.
If you need immediate
medical attention Out-of-network emergency use paid the same
Emergency medical transportation 0% coinsurance 0% coinsurance as in-network. Non-emergency transport: not
covered, except if pre-authorized.
Urgent care 0% coinsurance 30% coinsurance No coverage for non-urgent use.
Penalty of $400 for failure to obtain
If you have a Facility fee (e.g., hospital room) 0% coinsurance 30% coinsurance
pre-authorization for out-of-network care.
hospital stay
Physician/surgeon fees 0% coinsurance 30% coinsurance None
Office & other
Office & other outpatient
Outpatient services outpatient services: None
services: 0% coinsurance
If you need mental health, 30% coinsurance
behavioral health, or
substance abuse services
Penalty of $400 for failure to obtain
Inpatient services 0% coinsurance 30% coinsurance
pre-authorization for out-of-network care.
Office visits No charge 30% coinsurance Cost sharing does not apply for preventive
Childbirth/delivery professional services. Maternity care may include tests
0% coinsurance 30% coinsurance and services described elsewhere in the SBC
If you are pregnant services
(i.e., ultrasound). Penalty of $400 for failure to
Childbirth/delivery facility services 0% coinsurance 30% coinsurance obtain pre-authorization for out-of-network
care may apply.
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What You Will Pay
Common Out–of–Network Limitations, Exceptions, & Other Important
Services You May Need In-Network Provider (You Provider
Medical Event (You will pay Information
will pay the least) the most)
60 visits/calendar year. Penalty of $400 for
Home health care 0% coinsurance 30% coinsurance failure to obtain pre-authorization for
out-of-network care.
30 visits/calendar year for Physical,
Rehabilitation services 0% coinsurance 30% coinsurance
Occupational & Speech Therapy combined.
Habilitation services 0% coinsurance 30% coinsurance None
If you need help
recovering or have other 60 days/calendar year. Penalty of $400 for
special health needs Skilled nursing care 0% coinsurance 30% coinsurance failure to obtain pre-authorization for
out-of-network care.
Limited to 1 durable medical equipment for
Durable medical equipment 0% coinsurance 30% coinsurance same/similar purpose. Excludes repairs for
misuse/abuse.
Penalty of $400 for failure to obtain
Hospice services 0% coinsurance 30% coinsurance
pre-authorization for out-of-network care.
Children's eye exam No charge 30% coinsurance 1 routine eye exam/24 months.
If your child needs dental
or eye care Children's glasses Not covered Not covered Not covered.
Children's dental check-up Not covered Not covered Not covered.
Excluded Services & Other Covered Services:
Services Your Plan Generally Does NOT Cover (Check your policy or plan document for more information and a list of any other excluded services.)
• Bariatric surgery • Long-term care • Weight loss programs
• Cosmetic surgery • Non-emergency care when traveling outside the
• Dental care (Adult & Child) U.S.
• Glasses (Child) • Routine foot care
Other Covered Services (Limitations may apply to these services. This isn’t a complete list. Please see your plan document.)
• Acupuncture - 10 visits/calendar year for disease, • Infertility treatment - Limited to the diagnosis & • Private-duty nursing - 70- 8 hour shifts/calendar
injury & chronic pain. treatment of underlying medical condition, including year.
• Chiropractic care - 20 visits/calendar year. artificial insemination. • Routine eye care (Adult) - 1 routine eye exam/24
• Hearing aids - 1 hearing aid per ear/3 years. months.
Your Rights to Continue Coverage: There are agencies that can help if you want to continue your coverage after it ends. The contact information for those agencies is:
Texas Department of Insurance, 1-800-252-3439 (Consumer HelpLine), (512) 676-6000 (Local), (800) 578-4677 (Toll-Free),
082800-100020-032416 Page 4 of 6
Published: 10/29/2024
www.tdi.texas.gov/consumer/get-help-with-an-insurance-complaint.html.
● For more information on your rights to continue coverage, contact the plan at 1-888-982-3862.
● If your group health coverage is subject to ERISA, you may also contact the Department of Labor’s Employee Benefits Security Administration at 1-866-444-EBSA
(3272) or www.dol.gov/ebsa/healthreform.
● For non-federal governmental group health plans, you may also contact the Department of Health and Human Services, Center for Consumer Information and
Insurance Oversight, at 1-877-267-2323 x61565 or www.cciio.cms.gov.
● If your coverage is a church plan, church plans are not covered by the Federal COBRA continuation coverage rules. If the coverage is insured, individuals should
contact their State insurance regulator regarding their possible rights to continuation coverage under State law.
Other coverage options may be available to you too, including buying individual insurance coverage through the Health Insurance Marketplace. For more information about
the Marketplace, visit www.HealthCare.gov or call 1-800-318-2596.
Your Grievance and Appeals Rights: There are agencies that can help if you have a complaint against your plan for a denial of a claim. This complaint is called a grievance
or appeal. For more information about your rights, look at the explanation of benefits you will receive for that medical claim. Your plan documents also provide complete
information on how to submit a claim, appeal, or a grievance for any reason to your plan. For more information about your rights, this notice, or assistance, contact:
● If your group health coverage is subject to ERISA, you may contact Aetna directly by calling the toll-free number on your Medical ID Card, or by calling our general
toll free number at 1-888-982-3862. You may also contact the Department of Labor’s Employee Benefits Security Administration at 1-866-444-EBSA (3272) or
www.dol.gov/ebsa/healthreform.
● Texas Department of Insurance, 1-800-252-3439 (Consumer HelpLine), (512) 676-6000 (Local), (800) 578-4677 (Toll-Free),
www.tdi.texas.gov/consumer/get-help-with-an-insurance-complaint.html.
● For non-federal governmental group health plans, you may also contact the Department of Health and Human Services, Center for Consumer Information and
Insurance Oversight, at 1-877-267-2323 x61565 or www.cciio.cms.gov.
● Additionally, a consumer assistance program can help you file your appeal. Contact Texas Department of Insurance, Consumer Protection, Mail Code 111-1A, 333
Guadalupe, P.O. Box 149091, Austin, TX 78714-9091, Phone toll-free: 1-800-252-3439, http://www.texashealthoptions.com, [email protected]
Does this plan provide Minimum Essential Coverage? Yes.
Minimum Essential Coverage generally includes plans, health insurance available through the Marketplace or other individual market policies, Medicare, Medicaid, CHIP,
TRICARE, and certain other coverage. If you are eligible for certain types of Minimum Essential Coverage, you may not be eligible for the premium tax credit.
Does this plan meet Minimum Value Standards? Yes.
If your plan doesn’t meet the Minimum Value Standards, you may be eligible for a premium tax credit to help you pay for a plan through the Marketplace.
To see examples of how this plan might cover costs for a sample medical situation, see the next section.
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About these Coverage Examples:
This is not a cost estimator. Treatments shown are just examples of how this plan might cover medical care. Your actual costs will be
different depending on the actual care you receive, the prices your providers charge, and many other factors. Focus on the cost-sharing
amounts (deductibles, copayments and coinsurance) and excluded services under the plan. Use this information to compare the portion of
costs you might pay under different health plans. Please note these coverage examples are based on self-only coverage.
Peg is Having a Baby Managing Joe’s Type 2 Diabetes Mia’s Simple Fracture
(9 months of in-network pre-natal care and (a year of routine in-network care of a (in-network emergency room visit and
a hospital delivery) well-controlled condition) follow up care)
■ The plan’s overall deductible $3,300 ■ The plan’s overall deductible $3,300 ■ The plan’s overall deductible $3,300
■ Specialist coinsurance 0% ■ Specialist coinsurance 0% ■ Specialist coinsurance 0%
■ Hospital (facility) coinsurance 0% ■ Hospital (facility) coinsurance 0% ■ Hospital (facility) coinsurance 0%
■ Other coinsurance 0% ■ Other coinsurance 0% ■ Other coinsurance 0%
This EXAMPLE event includes services like: This EXAMPLE event includes services like: This EXAMPLE event includes services like:
Specialist office visits (prenatal care) Primary care physician office visits (including Emergency room care (including medical supplies)
Childbirth/Delivery Professional Services disease education) Diagnostic test (x-ray)
Childbirth/Delivery Facility Services Diagnostic tests (blood work) Durable medical equipment (crutches)
Diagnostic tests (ultrasounds and blood work) Prescription drugs Rehabilitation services (physical therapy)
Specialist visit (anesthesia) Diabetic supplies (glucose meter)
Total Example Cost $12,700 Total Example Cost $5,600 Total Example Cost $2,800
In this example, Peg would pay: In this example, Joe would pay: In this example, Mia would pay:
Cost Sharing Cost Sharing Cost Sharing
Deductibles $3,300 Deductibles $3,300 Deductibles $2,800
Copayments $10 Copayments $400 Copayments $0
Coinsurance $0 Coinsurance $0 Coinsurance $0
What isn't covered What isn't covered What isn't covered
Limits or exclusions $60 Limits or exclusions $20 Limits or exclusions $0
The total Peg would pay is $3,370 The total Joe would pay is $3,720 The total Mia would pay is $2,800
Note: These numbers assume the patient does not participate in the plan's wellness program. If you participate in the plan's wellness program, you may be able to
reduce your costs. For more information about the wellness program, please contact: 1-888-982-3862.
The plan would be responsible for the other costs of these EXAMPLE covered services.
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Published: 10/29/2024
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Persons using assistive technology may not be able to fully access the following information. For assistance, please call 1-888-982-3862.
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Non-Discrimination
Aetna complies with applicable Federal civil rights laws and does not unlawfully discriminate, exclude or treat people differently based on their race, color, national
origin, sex, age, disability, gender identity or sexual orientation.
We provide free aids/services to people with disabilities and to people who need language assistance.
If you need a qualified interpreter, written information in other formats, translation or other services, call the number on your ID card.
If you believe we have failed to provide these services or otherwise discriminated based on a protected class noted above, you can also file a grievance with the Civil
Rights Coordinator by contacting:
Aetna is the brand name used for products and services provided by one or more of the Aetna group of companies, including Aetna Life Insurance Company and its affiliates (Aetna).
TTY: 711
Language Assistance:
For language assistance in your language call 1-888-982-3862 at no cost.
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donne ei taklafa.
Bengali-Bangala - আপনাকে বিনামূকযে ভাষা পবিকষিা পপকে হকয এই নম্বকি পেবযক ান েরুন: 1-888-982-3862|
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Pohnpeyan -
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Cambodian -
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Norwegian - For tilgang til kostnadsfri språktjenester, ring 1-888-982-3862.
Pennsylvania Dutch - Um Schprooch Services zu griege mitaus Koscht, ruff 1-888-982-3862.
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Portuguese - Para acessar os serviços de idiomas sem custo para você, ligue para 1-888-982-3862.
Punjabi - ਤੁਹਾਡੇ ਲਈ ਬਿਨਾਂ ਬਿਸੇ ਿੀਮਤ ਵਾਲੀਆਂ ਭਾਸ਼ਾ ਸੇਵਾਵਾਂ ਦੀ ਵਰਤੋਂ ਿਰਨ ਲਈ, 1-888-982-3862 ‘ਤੇ ਫ਼ੋਨ ਿਰੋ।
Romanian - Pentru a accesa gratuit serviciile de limbă, apelați 1-888-982-3862.
Russian - Для того чтобы бесплатно получить помощь переводчика, позвоните по телефону 1-888-982-3862.
Samoan - Mo le mauaina o auaunaga tau gagana e aunoa ma se totogi, vala’au le 1-888-982-3862.
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Spanish - Para acceder a los servicios de idiomas sin costo, llame al 1-888-982-3862.
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Yiddish - 1-888-982-3862 רופן,צו צוטריט ךארפשַּ באדַינונגען אין קיין פרייַז צו איר
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