Summary of Health Benefits for
St. Lucie County School Board 01-01-16 thru 12-31-16
COST SHARING
Maximums shown are Per Benefit Period
(BPM) unless noted
Deductible (DED) (Per Person/Family Agg)
In-Network
Out-of-Network
Coinsurance (Member Responsibility)
In-Network
Out-of-Network
Out of Pocket Maximum (Per Person/Family
Agg)
In-Network
Out-of-Network
Lifetime Maximum
PROFESSIONAL PROVIDER SERVICES
Allergy Injections
In-Network Primary/Family Care Physician
In-Network Specialist
Out-of-Network
E-Office Visit Services
In-Network Primary/Family Care Physician
In-Network Specialist
Out-of-Network
Office Services
In-Network Primary/Family Care Physician
In-Network Specialist
Out-of-Network
Provider Services at Hospital and ER
In-Network Primary/Family Care Physician
In-Network Specialist
Out-of-Network
Provider Services at Other Locations
In-Network Primary/Family Care Physician
In-Network Specialist
Out-of-Network
Radiology, Pathology and Anesthesiology
Provider Services at Ambulatory Surgical
Center
In-Network Specialist
Out-of-Network
PREVENTIVE CARE
Adult Wellness Office Services
In-Network Primary/Family Care Physician
In-Network Specialist
Out-of-Network
Colonoscopies (Routine-1 every 10 years)
In-Network
Out-of-Network
Mammograms (Routine)
In-Network
Out-of-Network
Well Child Office Visits (No BPM)
In-Network Primary/Family Care Physician
In-Network Specialist
Out-of-Network
BlueOptions
BlueOptions
BlueOptions
HSA-Compatible 05180
(Single Coverage)
“Network Blue”
HSA-Compatible 05181
(Family Coverage)
“Network Blue”
05771
“Network Blue”
Only Available
To Employees Hired
Prior to 1/1/14
$1,500 / Not Applicable
$3,000 / Not Applicable
$3,000 / $3,000
$6,000 / $6,000
$1,500 / $4,500
$4,500 / $13,500
10%
40% of Allowed Amount +
Subject to Balance Billing
Charges
Includes DED, Coins, &
Copays
$3,000 / Not Applicable
$6,000 / Not Applicable
No Maximum
10%
40% of Allowed Amount +
Subject to Balance Billing
Charges
Includes DED, Coins, &
Copays
$6,000 /$6,000
$12,000 / $12,000
No Maximum
20%
50% of Allowed Amount +
Subject to Balance Billing
Charges
Includes DED, Coins, &
Copays
$4,500 / $9,000
$9,000 / $18,000
No Maximum
DED + 10%
DED + 10%
DED + 40%
DED + 10%
DED + 10%
DED + 40%
$10
$10
DED + 50%
DED + 10%
DED + 10%
DED + 40%
DED + 10%
DED + 10%
DED + 40%
$10
$10
DED + 50%
DED + 10%
DED + 10%
DED + 40%
DED + 10%
DED + 10%
DED + 40%
$30
$55
DED + 50%
DED + 10%
DED + 10%
In-Ntwk DED + 10%
DED + 10%
DED + 10%
In-Ntwk DED + 10%
DED + 20%
DED + 20%
In-Ntwk DED + 20%
DED + 10%
DED + 10%
DED + 40%
DED + 10%
DED + 10%
DED + 40%
$30
$55
DED + 50%
DED + 10%
DED + 10%
In-Ntwk DED + 10%
In-Ntwk DED + 10%
ASC: $55
Hospital: DED + 20%
ASC: $55
Hospital: In-Ntwk DED +
20%
$0
$0
40% (No DED)
Age 50+ then Frequency
Schedule Applies
$0
$0
$0
$0
40% (No DED)
Age 50+ then Frequency
Schedule Applies
$0
$0
$0
$0
50% (No DED)
Age 50+ then Frequency
Schedule Applies
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
40% (No DED)
$0
$0
40% (No DED)
$0
$0
50% (No DED)
COST SHARING
Maximums shown are Per Benefit Period
(BPM) unless noted
EMERGENCY / URGENT /
CONVENIENT CARE
Ambulance Maximum (per day)
In-Network
Out-of-Network
Convenient Care Centers (CCC)
In-Network
Out-of-Network
Emergency Room Facility Services
(also see Professional Provider Services)
In-Network
Out-of-Network
Urgent Care Centers (UCC)
In-Network
Out-of-Network
FACILITY SERVICES –
HOSPITAL/SURGICAL/ICL/IDTF
BlueOptions
BlueOptions
BlueOptions
HSA-Compatible 05180
(Single Coverage)
HSA-Compatible 05181
(Family Coverage)
05771
(Only Available
To Employees Hired
Prior to 1/1/14)
No Maximum
No Maximum
No Maximum
DED + 10%
In-Ntwk DED + 10%
DED + 10%
In-Ntwk DED + 10%
DED + 20%
In-Ntwk DED + 20%
DED + 10%
DED + 40%
DED + 10%
DED + 40%
$30
DED + 50%
DED + 10%
In-Ntwk DED + 10%
DED + 10%
In-Ntwk DED + 10%
$250
$250
DED + 10%
DED + 40%
DED + 10%
DED + 40%
$60
DED + 50%
Unless otherwise noted, physician services are in addition to facility services. See Professional Provider Services.
Ambulatory Surgical Center
In-Network
Out-of-Network
Independent Clinical Lab
In-Network (Quest Diagnostics)
Out-of-Network
Independent Diagnostic Testing Facility Xrays and AIS (Includes Physician Services)
In-Network - Advanced Imaging Services
(AIS)
In-Network - Other Diagnostic Services
Out-of-Network
Inpatient Hospital (per admit)
In-Network
Out-of-Network
Inpatient Rehab Maximum (PBP)
Outpatient Hospital (per visit)
In-Network
Out-of-Network
Therapy at Outpatient Hospital
In-Network
Out-of-Network ER SVIES AD
DED + 10%
DED + 40%
DED + 10%
DED + 40%
$200
DED + 50%
DED
DED + 40%
DED
DED + 40%
$0
DED + 50%
DED + 10%
DED + 10%
$250
DED + 10%
DED + 40%
DED + 10%
DED + 40%
$50
DED + 50%
Option 1 - DED + 10%
Option 2 - DED + 10%
DED + 40%
30 Days
Option 1 - DED + 10%
Option 2 - DED + 10%
DED + 40%
30 Days
Option 1 - DED + 20%
Option 2 - DED + 20%
$500 PAD + DED + 50%
30 Days
Option 1 - DED + 10%
Option 2 - DED + 10%
DED + 40%
Option 1 - DED + 10%
Option 2 - DED + 10%
DED + 40%
Option 1 - DED + 20%
Option 2 - DED + 20%
DED + 50%
Option 1 - DED + 10%
Option 2 - DED + 10%
DED + 40%
Option 1 - DED + 10%
Option 2 - DED + 10%
DED + 40%
Option 1 - $55
Option 2 - $80
DED + 50%
DED + 10%
DED + 10%
DED + 40%
DED + 10%
DED + 10%
DED + 40%
$250
$250
DED + 50%
DED + 10%
DED + 40%
No Maximum
DED + 10%
DED + 40%
No Maximum
DED + 20%
DED + 50%
No Maximum
DED + 10%
DED + 40%
20 Visits
DED + 10%
DED + 40%
No Maximum
DED + 10%
DED + 40%
60 Days
DED + 10%
DED + 40%
DED + 10%
DED + 40%
20 Visits
DED + 10%
DED + 40%
No Maximum
DED + 10%
DED + 40%
60 Days
DED + 10%
DED + 40%
DED + 20%
DED + 50%
20 Visits
DED + 20%
DED + 50%
No Maximum
DED + 20%
DED + 50%
60 Days
DED + 20%
DED + 50%
OTHER SPECIAL SERVICES AND
LOCATIONS
Advanced Imaging Services in Physician's
Office
In-Network Primary/Family Care Physician
In-Network Specialist
Out-of-Network
Birthing Center
In-Network
Out-of-Network
Durable Medical Equipment, Prosthetics,
Orthotics BPM
In-Network (Carecentrix)
Out-of-Network
Home Health Care BPM
In-Network (Carecentrix)
Out-of-Network
Hospice LTM
In-Network
Out-of-Network
Skilled Nursing Facility BPM
In-Network
Out-of-Network
BlueOptions
BlueOptions
BlueOptions
HSA-Compatible 05180
(Single Coverage)
HSA-Compatible 05181
(Family Coverage)
05771
(Only Available
To Employees Hired
Prior to 1/1/14)
Option 1- DED + 10%
Option 2 - DED + 10%
DED + 40%
Option 1- DED + 10%
Option 2 - DED + 10%
DED + 40%
Option 1- $0
Option 2 - $0
50% (No DED)
Option 1 - DED + 10%
Option 2 - DED + 10%
DED + 40%
Option 1 - DED + 10%
Option 2 - DED + 10%
DED + 40%
Option 1 - $0
Option 2 - $0
50% (No DED)
Provider Services at Hospital and ER
In-Network Family Physician or Specialist
Out-of-Network Provider
DED + 10%
In-Ntwk DED + 10%
DED + 10%
In-Ntwk DED + 10%
$0
$0
Physician Office Visit
In-Network Family Physician or Specialist
Out-of Network Provider
DED + 10%
DED + 40%
DED + 10%
DED + 40%
$0
50% (No DED)
DED + 10%
In-Ntwk DED + 10%
DED + 10%
In-Ntwk DED + 10%
$0
$0
DED + 10%
DED + 10%
DED + 40%
DED + 10%
DED + 10%
DED + 40%
$0
$0
50% (No DED)
$1500
In-Network Plan
Deductible Applies
$3000
In-Network Plan
Deductible Applies
$0
In-Network (Mandatory Generic Program)
Retail (30 days)
Generic/Preferred Brand/Non-Preferred
$10 / $30 / $50
$10 / $30 / $50
$10 / $30 / $50
Mail Order/Retail (90 days)
Generic/Preferred Brand/Non-Preferred
$20 / $60 / $100
$20 / $60 / $100
$20 / $60 / $100
COST SHARING
Maximums shown are Per Benefit Period
(BPM) unless noted
MENTAL HEALTH AND SUBSTANCE ABUSE
Inpatient Hospitalization-Facility
In-Network
Out-of-Network
Outpatient Hospitalization- Facility (per visit)
In-Network
Out-of-Network
Emergency Room Facility Services
(per visit)
In-Network
Out-of-Network
Provider Services at Locations other than
Hospital and ER
In-Network Family Physician
In-Network Specialist
Out-of-Network Provider
PRESCRIPTION DRUGS
Deductible
This is not an insurance contract or Benefit Booklet. The above Benefit Summary is only a partial description of the many benefits and services
covered by Blue Cross and Blue Shield of Florida, Inc., an independent licensee of the Blue Cross and Blue Shield Association. For a complete
description of benefits and exclusions, please see Blue Cross and Blue Shield of Florida’s Benefit Booklet and Schedule of Benefits; their terms prevail.
The information contained in this proposal includes benefit changes required as a result of the Patient Protection And Affordable Care Act (PPACA),
otherwise known as Health Care Reform (HCR). Please note that plan benefits are subject to change and may be revised based on guidance and
regulations issued by the Secretary of Health and Human Services (HHS) or other applicable federal agency. In addition, the rates quoted within
this proposal are based on the plan benefits at the time the proposal is issued and may change before the plan effective date if additional plan changes
become necessary.
Additionally, Interim rules released by the Federal Government February 2, 2010 require BCBSF to test all benefit plans to ensure compliance with the
Mental Health Parity and Addiction Equity Act (MHPAE). Benefits and rates reflected in the proposal are subject to change based on the outcomes of the test.
BlueOptions 05180
Coverage Period: 01/01/2016 - 12/31/2016
HSA Compatible Non-Embedded DED & OOP with Rx $10/$30/$50 after In-network Deductible
Summary of Benefits and Coverage: What this Plan Covers & What it Costs
Coverage for: Individual | Plan Type: PPO
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.floridablue.com or by calling 1-800-664-5295. In the event there is a conflict between this summary and your Florida Blue
coverage documents the terms and conditions of the coverage documents will control.
Important Questions
Answers
What is the overall
deductible?
In-Network: $1,500 Per Person. Out-OfNetwork: $3,000 Per Person.
Does not apply to In-Network preventive
care.
Are there other
deductibles for specific
services?
Is there an out–of–
pocket limit on my
expenses?
What is not included in
the out–of–pocket
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 doesn’t cover?
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.
No.
You don’t have to meet deductibles for specific services, but see the chart
starting on page 2 for other costs for services this plan covers.
Yes. In-Network: $3,000 Per Person.
Out-Of-Network: $6,000 Per Person.
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 limit helps
you plan for health care expenses.
Premium, balance-billed charges, and
health care this plan doesn't cover.
Even though you pay these expenses, they don’t count toward the out-of-pocket
limit.
No.
The chart starting on page 2 describes any limits on what the plan will pay for
specific covered services, such as office visits.
Yes. For a list of participating
providers, see www.floridablue.com or
call 1-800-664-5295.
If you use an in-network doctor or other health care provider, this plan will pay
some or all of the costs of covered services. Be aware, your in-network doctor or
hospital may use an out-of-network provider for some services. Plans use the
term in-network, preferred, or participating for providers in their network. See
the chart starting on page 2 for how this plan pays different kinds of providers.
No.
You can see the specialist you choose without permission from this plan.
Yes.
Some of the services this plan doesn’t cover are listed on page 5. See your policy
or plan document for additional information about excluded services.
Questions: Call 1-800-664-5295 or visit us at www.floridablue.com. If you aren’t clear about any of the underlined terms used in this form, see the
Glossary. You can view the Glossary at www.floridablue.com or call 1-800-664-5295 to request a copy.
1 of 8
SBCID: 837205




Copays 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 plan’s allowed amount for an overnight hospital stay is $1,000, your coinsurance payment of 20% would be $200. This may change if
you haven’t 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 in-network providers by charging you lower deductibles, copays and coinsurance amounts.
Common
Medical Event
If you visit a health
care provider’s office
or clinic
Services You May
Need
In-Network Provider
Out-Of-Network Provider
Primary care visit to treat
an injury or illness
Deductible + 10% Coinsurance
Deductible + 40% Coinsurance
Specialist visit
Deductible + 10% Coinsurance
Deductible + 40% Coinsurance
Deductible + 10% Coinsurance
Deductible + 40% Coinsurance
No Charge
40% Coinsurance
Independent Clinical Lab:
Deductible/ Independent
Diagnostic Testing Center:
Deductible + 10% Coinsurance
Deductible + 40% Coinsurance
Other practitioner office
visit
Preventive care/
screening/immunization
Diagnostic test (x-ray,
blood work)
If you have a test
If you need drugs to
treat your illness or
condition
Your cost if you use a
Imaging (CT/PET scans,
MRIs)
Deductible + 10% Coinsurance
Deductible + 40% Coinsurance
Generic drugs
Deductible + $10 Copay per
prescription at retail, Deductible
+ $20 Copay per prescription by
mail
In-Network Deductible + 50%
Coinsurance
Limitations &
Exceptions
Physician administered drugs
may have higher cost shares.
Physician administered drugs
may have higher cost shares.
Physician administered drugs
may have higher cost shares.
Physician administered drugs
may have higher cost shares.
Tests performed in hospitals
may have higher cost share.
Prior authorization may be
required. Tests performed in
hospitals may have higher
cost share.
Up to 30 day supply at retail;
90 day supply 2 times copay
at retail. Up to 90 day supply
for mail order. Responsible
Rx programs such as Prior
Authorization may apply. See
Medication Guide for more
information.
2 of 8
SBCID: 837205
Common
Medical Event
More information
about prescription
drug coverage is
available at
www.floridablue.com.
Services You May
Need
Preferred brand drugs
Non-preferred brand
drugs
Specialty drugs
If you have
outpatient surgery
Facility fee (e.g.,
ambulatory surgery
center)
If you have a
hospital stay
If you have mental
health, behavioral
health, or substance
abuse needs
In-Network Provider
Deductible + $30 Copay per
prescription at retail, Deductible
+ $60 Copay per prescription by
mail
Deductible + $50 Copay per
prescription at retail, Deductible
+ $100 Copay per prescription by
mail
Specialty drugs are subject to the
cost share based on applicable
drug tier.
Deductible + 10% Coinsurance
Out-Of-Network Provider
In-Network Deductible + 50%
Coinsurance
In-Network Deductible + 50%
Coinsurance
Specialty drugs are subject to the
cost share based on the
applicable drug tier.
Deductible + 40% Coinsurance
Limitations &
Exceptions
Up to 30 day supply for
retail; 90 day supply 2 times
copay at retail. 90 day supply
for mail order.
Up to 30 day supply for
retail; 90 day supply 2 times
copay at retail. 90 day supply
for mail order.
Mail order not available Outof-Network. Up to 30 day
supply at retail pharmacy.
Option 2 hospitals may have
higher cost shares.
Deductible + 10% Coinsurance
Hospital: In-Network
Deductible + 10% Coinsurance/
Ambulatory Surgical Center:
Deductible + 40% Coinsurance
In-Network Deductible + 10%
Coinsurance
In-Network Deductible + 10%
Coinsurance
Deductible + 40% Coinsurance
Facility fee (e.g., hospital
room)
Deductible + 10% Coinsurance
Deductible + 40% Coinsurance
Physician/surgeon fee
Deductible + 10% Coinsurance
In-Network Deductible + 10%
Coinsurance
––––––––none––––––––
Mental/Behavioral health
Deductible + 10% Coinsurance
outpatient services
Deductible + 40% Coinsurance
Option 2 hospitals may have
higher cost shares.
Mental/Behavioral health
Deductible + 10% Coinsurance
inpatient services
Physician Services: In-Network
Deductible + 10% Coinsurance/ Option 2 hospitals may have
Hospital: Deductible + 40%
higher cost shares.
Coinsurance
Physician/surgeon fees
If you need
immediate medical
attention
Your cost if you use a
Emergency room
services
Emergency medical
transportation
Urgent care
Deductible + 10% Coinsurance
Deductible + 10% Coinsurance
Deductible + 10% Coinsurance
––––––––none––––––––
––––––––none––––––––
––––––––none––––––––
––––––––none––––––––
Inpatient Rehab Services
limited to 30 days. Option 2
hospitals may have higher
cost shares.
3 of 8
SBCID: 837205
Common
Medical Event
Services You May
Need
Substance use disorder
outpatient services
If you are pregnant
If you need help
recovering or have
other special health
needs
If your child needs
dental or eye care
Your cost if you use a
In-Network Provider
Out-Of-Network Provider
Limitations &
Exceptions
Option 2 hospitals may have
higher cost shares.
Deductible + 10% Coinsurance
Deductible + 40% Coinsurance
Substance use disorder
inpatient services
Deductible + 10% Coinsurance
Physician Services: In-Network
Deductible + 10% Coinsurance/ Option 2 hospitals may have
Hospital: Deductible + 40%
higher cost shares.
Coinsurance
Prenatal and postnatal
care
Deductible + 10% Coinsurance
Deductible + 40% Coinsurance
––––––––none––––––––
Delivery and all inpatient
services
Deductible + 10% Coinsurance
Home health care
Deductible + 10% Coinsurance
Rehab services
Deductible + 10% Coinsurance
Habilitation services
Skilled nursing care
Durable medical
equipment
Hospice service
Eye exam
Glasses
Dental check-up
Not Covered
Deductible + 10% Coinsurance
Physician Services: In-Network
Deductible + 10% Coinsurance/ Option 2 hospitals may have
Hospital: Deductible + 40%
higher cost shares.
Coinsurance
Deductible + 40% Coinsurance Coverage limited to 20 visits.
Coverage limited to 35 visits,
including 26 manipulations.
Deductible + 40% Coinsurance Services performed in
hospitals may have a higher
cost-share.
Not Covered
Not Covered
Deductible + 40% Coinsurance Coverage limited to 60 days.
Deductible + 10% Coinsurance
Deductible + 40% Coinsurance
––––––––none––––––––
Deductible + 10% Coinsurance
Not Covered
Not Covered
Not Covered
Deductible + 40% Coinsurance
Not Covered
Not Covered
Not Covered
––––––––none––––––––
Not Covered
Not Covered
Not Covered
4 of 8
SBCID: 837205
Excluded Services & Other Covered Services:
Services Your Plan Does NOT Cover (This isn’t a complete list. Check your policy or plan document for other excluded services.)





Acupuncture
Bariatric surgery
Cosmetic surgery
Dental care (Adult)
Habilitation services





Hearing aids
Infertility treatment
Long-term care
Pediatric dental check-up
Pediatric eye exam





Pediatric glasses
Private-duty nursing
Routine eye care (Adult)
Routine foot care unless for treatment of
diabetes
Weight loss programs
Other Covered Services (This isn’t a complete list. Check your policy or plan document for other covered services and your costs for these
services.)

Chiropractic care - Limited to 35 visits

Most coverage provided outside the United
States. See www.floridablue.com.

Non-emergency care when traveling outside
the U.S.
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 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 1-800-664-5295. You may also contact your state insurance department at 1877-693-5236, 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:
For more information on your rights to a grievance or appeal, contact the insurer at 1-800-664-5295. 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 , or your state insurance department at 1877-693-5236.
For non-federal governmental group health plans and church plans that are group health plans contact your employee services department. You may also
contact the state insurance department at 1-877-693-5236.
5 of 8
SBCID: 837205
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 (Español): Para obtener asistencia en Español, llame al 1-800-664-5295.
Tagalog (Tagalog): Kung kailangan ninyo ang tulong sa Tagalog tumawag sa 1-800-664-5295.
Chinese (中文): 如果需要中文的帮助，请拨打这个号码 1-800-664-5295.
Navajo (Dine): Dinek'ehgo shika at'ohwol ninisingo, kwiijigo holne' 1-800-664-5295.
–––––––––––––––––––To see examples of how this plan might cover costs for a sample medical situation, see the next page.––––––––––––––––––
6 of 8
SBCID: 837205
.
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.
Don’t 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 will also be
different.
See the next page for
important information about
these examples.
Having a baby
Managing type 2 diabetes
(normal delivery)
(routine maintenance of
a well-controlled condition)
 Amount owed to providers: $7,540
 Plan pays $5,220
 Patient pays $2,320
 Amount owed to providers: $5,400
 Plan pays $3,170
 Patient pays $2,230
Sample care costs:
Hospital charges (mother)
Routine obstetric care
Hospital charges (baby)
Anesthesia
Lab tests
Prescriptions
Radiology
Vaccines, other preventive
Total
$2,700
$2,100
$900
$900
$500
$200
$200
$40
$7,540
Sample care costs:
Prescriptions
Medical Equipment and Supplies
Office Visits and Procedures
Education
Lab tests
Vaccines, other preventive
Total
$2,900
$1,300
$700
$300
$100
$100
$5,400
Patient pays:
Deductibles
Copays
Coinsurance
Limits or exclusions
Total
$1,500
$20
$600
$200
$2,320
Patient pays:
Deductibles
Copays
Coinsurance
Limits or exclusions
Total
$1,500
$600
$50
$80
$2,230
7 of 8
SBCID: 837205
Questions and answers about the Coverage Examples:
What are some of the
assumptions behind the
Coverage Examples?








Costs don’t include premiums.
Sample care costs are based on national
averages supplied by the U.S.
Department of Health and Human
Services, and aren’t specific to a
particular geographic area or health plan.
The patient’s 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.
If the SBC includes both individual and
family coverage tiers, the coverage
examples were completed using the perperson deductible and out-of-pocket
limit on page 1.
What does a Coverage Example
show?
Can I use Coverage Examples
to compare plans?
For each treatment situation, the Coverage
Example helps you see how deductibles,
copays, 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
isn’t covered or payment is limited.
Yes. When you look at the Summary of
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
doctor’s 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 can’t 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.
Benefits and Coverage for other plans,
you’ll 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 you’ll pay in out-ofpocket costs, such as copays, 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 1-800-664-5295 or visit us at www.floridablue.com.
If you aren’t clear about any of the underlined terms used in this form, see the Glossary. You can view the Glossary
at www.floridablue.com or call 1-800-664-5295 to request a copy.
Florida Blue is a trade name of Blue Cross and Blue Shield of Florida, Inc., an Independent Licensee of the Blue Cross and Blue Shield Association.
8 of 8
SBCID: 837205
BlueOptions 05181
Coverage Period: 01/01/2016 - 12/31/2016
HSA Compatible Non-Embedded DED & OOP with Rx $10/$30/$50 after In-network Deductible
Summary of Benefits and Coverage: What this Plan Covers & What it Costs
Coverage for: Family | Plan Type: PPO
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.floridablue.com or by calling 1-800-664-5295. In the event there is a conflict between this summary and your Florida Blue
coverage documents the terms and conditions of the coverage documents will control.
Important Questions
Answers
In-Network: $3,000 Per Person/$3,000
Family. Out-Of-Network: $6,000 Per
Person/$6,000 Family.
Does not apply to In-Network preventive
care.
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.
Are there other
deductibles for specific
services?
No.
You don’t have to meet deductibles for specific services, but see the chart
starting on page 2 for other costs for services this plan covers.
Is there an out–of–
pocket limit on my
expenses?
Yes. In-Network: $6,000 Per
Person/$6,000 Family. Out-OfNetwork: $12,000 Per Person/$12,000
Family.
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 limit helps
you plan for health care expenses.
Premium, balance-billed charges, and
health care this plan doesn't cover.
Even though you pay these expenses, they don’t count toward the out-of-pocket
limit.
No.
The chart starting on page 2 describes any limits on what the plan will pay for
specific covered services, such as office visits.
Yes. For a list of participating
providers, see www.floridablue.com or
call 1-800-664-5295.
If you use an in-network doctor or other health care provider, this plan will pay
some or all of the costs of covered services. Be aware, your in-network doctor or
hospital may use an out-of-network provider for some services. Plans use the
term in-network, preferred, or participating for providers in their network. See
the chart starting on page 2 for how this plan pays different kinds of providers.
No.
You can see the specialist you choose without permission from this plan.
Yes.
Some of the services this plan doesn’t cover are listed on page 5. See your policy
or plan document for additional information about excluded services.
What is the overall
deductible?
What is not included in
the out–of–pocket
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 doesn’t cover?
Questions: Call 1-800-664-5295 or visit us at www.floridablue.com. If you aren’t clear about any of the underlined terms used in this form, see the
Glossary. You can view the Glossary at www.floridablue.com or call 1-800-664-5295 to request a copy.
1 of 8
SBCID: 837265




Copays 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 plan’s allowed amount for an overnight hospital stay is $1,000, your coinsurance payment of 20% would be $200. This may change if
you haven’t 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 in-network providers by charging you lower deductibles, copays and coinsurance amounts.
Common
Medical Event
If you visit a health
care provider’s office
or clinic
Services You May
Need
In-Network Provider
Out-Of-Network Provider
Primary care visit to treat
an injury or illness
Deductible + 10% Coinsurance
Deductible + 40% Coinsurance
Specialist visit
Deductible + 10% Coinsurance
Deductible + 40% Coinsurance
Deductible + 10% Coinsurance
Deductible + 40% Coinsurance
No Charge
40% Coinsurance
Independent Clinical Lab:
Deductible/ Independent
Diagnostic Testing Center:
Deductible + 10% Coinsurance
Deductible + 40% Coinsurance
Other practitioner office
visit
Preventive care/
screening/immunization
Diagnostic test (x-ray,
blood work)
If you have a test
If you need drugs to
treat your illness or
condition
Your cost if you use a
Imaging (CT/PET scans,
MRIs)
Deductible + 10% Coinsurance
Deductible + 40% Coinsurance
Generic drugs
Deductible + $10 Copay per
prescription at retail, Deductible
+ $20 Copay per prescription by
mail
In-Network Deductible + 50%
Coinsurance
Limitations &
Exceptions
Physician administered drugs
may have higher cost shares.
Physician administered drugs
may have higher cost shares.
Physician administered drugs
may have higher cost shares.
Physician administered drugs
may have higher cost shares.
Tests performed in hospitals
may have higher cost share.
Prior authorization may be
required. Tests performed in
hospitals may have higher
cost share.
Up to 30 day supply at retail;
90 day supply 2 times copay
at retail. Up to 90 day supply
for mail order. Responsible
Rx programs such as Prior
Authorization may apply. See
Medication Guide for more
information.
2 of 8
SBCID: 837265
Common
Medical Event
More information
about prescription
drug coverage is
available at
www.floridablue.com.
Services You May
Need
Preferred brand drugs
Non-preferred brand
drugs
Specialty drugs
If you have
outpatient surgery
Facility fee (e.g.,
ambulatory surgery
center)
If you have a
hospital stay
If you have mental
health, behavioral
health, or substance
abuse needs
In-Network Provider
Deductible + $30 Copay per
prescription at retail, Deductible
+ $60 Copay per prescription by
mail
Deductible + $50 Copay per
prescription at retail, Deductible
+ $100 Copay per prescription by
mail
Specialty drugs are subject to the
cost share based on applicable
drug tier.
Deductible + 10% Coinsurance
Out-Of-Network Provider
In-Network Deductible + 50%
Coinsurance
In-Network Deductible + 50%
Coinsurance
Specialty drugs are subject to the
cost share based on the
applicable drug tier.
Deductible + 40% Coinsurance
Limitations &
Exceptions
Up to 30 day supply for
retail; 90 day supply 2 times
copay at retail. 90 day supply
for mail order.
Up to 30 day supply for
retail; 90 day supply 2 times
copay at retail. 90 day supply
for mail order.
Mail order not available Outof-Network. Up to 30 day
supply at retail pharmacy.
Option 2 hospitals may have
higher cost shares.
Deductible + 10% Coinsurance
Hospital: In-Network
Deductible + 10% Coinsurance/
Ambulatory Surgical Center:
Deductible + 40% Coinsurance
In-Network Deductible + 10%
Coinsurance
In-Network Deductible + 10%
Coinsurance
Deductible + 40% Coinsurance
Facility fee (e.g., hospital
room)
Deductible + 10% Coinsurance
Deductible + 40% Coinsurance
Physician/surgeon fee
Deductible + 10% Coinsurance
In-Network Deductible + 10%
Coinsurance
––––––––none––––––––
Mental/Behavioral health
Deductible + 10% Coinsurance
outpatient services
Deductible + 40% Coinsurance
Option 2 hospitals may have
higher cost shares.
Mental/Behavioral health
Deductible + 10% Coinsurance
inpatient services
Physician Services: In-Network
Deductible + 10% Coinsurance/ Option 2 hospitals may have
Hospital: Deductible + 40%
higher cost shares.
Coinsurance
Physician/surgeon fees
If you need
immediate medical
attention
Your cost if you use a
Emergency room
services
Emergency medical
transportation
Urgent care
Deductible + 10% Coinsurance
Deductible + 10% Coinsurance
Deductible + 10% Coinsurance
––––––––none––––––––
––––––––none––––––––
––––––––none––––––––
––––––––none––––––––
Inpatient Rehab Services
limited to 30 days. Option 2
hospitals may have higher
cost shares.
3 of 8
SBCID: 837265
Common
Medical Event
Services You May
Need
Substance use disorder
outpatient services
If you are pregnant
If you need help
recovering or have
other special health
needs
If your child needs
dental or eye care
Your cost if you use a
In-Network Provider
Out-Of-Network Provider
Limitations &
Exceptions
Option 2 hospitals may have
higher cost shares.
Deductible + 10% Coinsurance
Deductible + 40% Coinsurance
Substance use disorder
inpatient services
Deductible + 10% Coinsurance
Physician Services: In-Network
Deductible + 10% Coinsurance/ Option 2 hospitals may have
Hospital: Deductible + 40%
higher cost shares.
Coinsurance
Prenatal and postnatal
care
Deductible + 10% Coinsurance
Deductible + 40% Coinsurance
––––––––none––––––––
Delivery and all inpatient
services
Deductible + 10% Coinsurance
Home health care
Deductible + 10% Coinsurance
Rehab services
Deductible + 10% Coinsurance
Habilitation services
Skilled nursing care
Durable medical
equipment
Hospice service
Eye exam
Glasses
Dental check-up
Not Covered
Deductible + 10% Coinsurance
Physician Services: In-Network
Deductible + 10% Coinsurance/ Option 2 hospitals may have
Hospital: Deductible + 40%
higher cost shares.
Coinsurance
Deductible + 40% Coinsurance Coverage limited to 20 visits.
Coverage limited to 35 visits,
including 26 manipulations.
Deductible + 40% Coinsurance Services performed in
hospitals may have a higher
cost-share.
Not Covered
Not Covered
Deductible + 40% Coinsurance Coverage limited to 60 days.
Deductible + 10% Coinsurance
Deductible + 40% Coinsurance
––––––––none––––––––
Deductible + 10% Coinsurance
Not Covered
Not Covered
Not Covered
Deductible + 40% Coinsurance
Not Covered
Not Covered
Not Covered
––––––––none––––––––
Not Covered
Not Covered
Not Covered
4 of 8
SBCID: 837265
Excluded Services & Other Covered Services:
Services Your Plan Does NOT Cover (This isn’t a complete list. Check your policy or plan document for other excluded services.)





Acupuncture
Bariatric surgery
Cosmetic surgery
Dental care (Adult)
Habilitation services





Hearing aids
Infertility treatment
Long-term care
Pediatric dental check-up
Pediatric eye exam





Pediatric glasses
Private-duty nursing
Routine eye care (Adult)
Routine foot care unless for treatment of
diabetes
Weight loss programs
Other Covered Services (This isn’t a complete list. Check your policy or plan document for other covered services and your costs for these
services.)

Chiropractic care - Limited to 35 visits

Most coverage provided outside the United
States. See www.floridablue.com.

Non-emergency care when traveling outside
the U.S.
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 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 1-800-664-5295. You may also contact your state insurance department at 1877-693-5236, 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:
For more information on your rights to a grievance or appeal, contact the insurer at 1-800-664-5295. 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 , or your state insurance department at 1877-693-5236.
For non-federal governmental group health plans and church plans that are group health plans contact your employee services department. You may also
contact the state insurance department at 1-877-693-5236.
5 of 8
SBCID: 837265
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 (Español): Para obtener asistencia en Español, llame al 1-800-664-5295.
Tagalog (Tagalog): Kung kailangan ninyo ang tulong sa Tagalog tumawag sa 1-800-664-5295.
Chinese (中文): 如果需要中文的帮助，请拨打这个号码 1-800-664-5295.
Navajo (Dine): Dinek'ehgo shika at'ohwol ninisingo, kwiijigo holne' 1-800-664-5295.
–––––––––––––––––––To see examples of how this plan might cover costs for a sample medical situation, see the next page.––––––––––––––––––
6 of 8
SBCID: 837265
.
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.
Don’t 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 will also be
different.
See the next page for
important information about
these examples.
Having a baby
Managing type 2 diabetes
(normal delivery)
(routine maintenance of
a well-controlled condition)
 Amount owed to providers: $7,540
 Plan pays $3,920
 Patient pays $3,620
 Amount owed to providers: $5,400
 Plan pays $1,990
 Patient pays $3,410
Sample care costs:
Hospital charges (mother)
Routine obstetric care
Hospital charges (baby)
Anesthesia
Lab tests
Prescriptions
Radiology
Vaccines, other preventive
Total
$2,700
$2,100
$900
$900
$500
$200
$200
$40
$7,540
Sample care costs:
Prescriptions
Medical Equipment and Supplies
Office Visits and Procedures
Education
Lab tests
Vaccines, other preventive
Total
$2,900
$1,300
$700
$300
$100
$100
$5,400
Patient pays:
Deductibles
Copays
Coinsurance
Limits or exclusions
Total
$3,000
$20
$400
$200
$3,620
Patient pays:
Deductibles
Copays
Coinsurance
Limits or exclusions
Total
$3,000
$300
$30
$80
$3,410
7 of 8
SBCID: 837265
Questions and answers about the Coverage Examples:
What are some of the
assumptions behind the
Coverage Examples?








Costs don’t include premiums.
Sample care costs are based on national
averages supplied by the U.S.
Department of Health and Human
Services, and aren’t specific to a
particular geographic area or health plan.
The patient’s 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.
If the SBC includes both individual and
family coverage tiers, the coverage
examples were completed using the perperson deductible and out-of-pocket
limit on page 1.
What does a Coverage Example
show?
Can I use Coverage Examples
to compare plans?
For each treatment situation, the Coverage
Example helps you see how deductibles,
copays, 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
isn’t covered or payment is limited.
Yes. When you look at the Summary of
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
doctor’s 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 can’t 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.
Benefits and Coverage for other plans,
you’ll 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 you’ll pay in out-ofpocket costs, such as copays, 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 1-800-664-5295 or visit us at www.floridablue.com.
If you aren’t clear about any of the underlined terms used in this form, see the Glossary. You can view the Glossary
at www.floridablue.com or call 1-800-664-5295 to request a copy.
Florida Blue is a trade name of Blue Cross and Blue Shield of Florida, Inc., an Independent Licensee of the Blue Cross and Blue Shield Association.
8 of 8
SBCID: 837265
Coverage Period: 01/01/2016 - 12/31/2016
BlueOptions 05771
with Rx $10/$30/$50
Summary of Benefits and Coverage: What this Plan Covers & What it Costs
Coverage for: Individual and/or Family | Plan Type: PPO
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.floridablue.com or by calling 1-800-664-5295. In the event there is a conflict between this summary and your Florida Blue
coverage documents the terms and conditions of the coverage documents will control.
Important Questions
What is the overall
deductible?
Are there other
deductibles for specific
services?
Is there an out–of–
pocket limit on my
expenses?
What is not included in
the out–of–pocket
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 doesn’t cover?
Answers
In-Network: $1,500 Per Person/$4,500
Family. Out-Of-Network: $4,500 Per
Person/$13,500 Family.
Does not apply to In-Network preventive
care.
Yes. / $500 Out-Of-Network Per
Admission Deductible;
There are no other specific deductibles.
Yes. In-Network: $4,500 Per
Person/$9,000 Family. Out-OfNetwork: $9,000 Per Person/$18,000
Family.
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.
Premium, balance-billed charges, and
health care this plan doesn't cover.
Even though you pay these expenses, they don’t count toward the out-of-pocket
limit.
No.
The chart starting on page 2 describes any limits on what the plan will pay for
specific covered services, such as office visits.
Yes. For a list of participating
providers, see www.floridablue.com or
call 1-800-664-5295.
If you use an in-network doctor or other health care provider, this plan will pay
some or all of the costs of covered services. Be aware, your in-network doctor or
hospital may use an out-of-network provider for some services. Plans use the
term in-network, preferred, or participating for providers in their network. See
the chart starting on page 2 for how this plan pays different kinds of providers.
No.
You can see the specialist you choose without permission from this plan.
Yes.
Some of the services this plan doesn’t cover are listed on page 4. See your policy
or plan document for additional information about excluded services.
You must pay all of the costs for these services up to the specific deductible
amount before this plan begins to pay for these services.
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 limit helps
you plan for health care expenses.
Questions: Call 1-800-664-5295 or visit us at www.floridablue.com. If you aren’t clear about any of the underlined terms used in this form, see the
Glossary. You can view the Glossary at www.floridablue.com or call 1-800-664-5295 to request a copy.
1 of 8
SBCID: 837302




Copays 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 plan’s allowed amount for an overnight hospital stay is $1,000, your coinsurance payment of 20% would be $200. This may change if
you haven’t 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 in-network providers by charging you lower deductibles, copays and coinsurance amounts.
Common
Medical Event
If you visit a health
care provider’s office
or clinic
Services You May
Need
In-Network Provider
Out-Of-Network Provider
Primary care visit to treat
an injury or illness
$30 Copay
Deductible + 50% Coinsurance
Specialist visit
$55 Copay
Deductible + 50% Coinsurance
$55 Copay
Deductible + 50% Coinsurance
No Charge
50% Coinsurance
Diagnostic test (x-ray,
blood work)
Independent Clinical Lab: No
Charge/ Independent Diagnostic
Testing Center: $50 Copay
Deductible + 50% Coinsurance
Imaging (CT/PET scans,
MRIs)
Physician Office: $250 Copay/
Independent Diagnostic Testing
Center: $250 Copay
Deductible + 50% Coinsurance
Generic drugs
$10 Copay per prescription at
retail, $20 Copay per prescription
by mail
50% Coinsurance
Other practitioner office
visit
Preventive care/
screening/immunization
If you have a test
If you need drugs to
treat your illness or
condition
Your cost if you use a
Limitations &
Exceptions
Physician administered drugs
may have higher cost shares.
Physician administered drugs
may have higher cost shares.
Physician administered drugs
may have higher cost shares.
Physician administered drugs
may have higher cost shares.
Tests performed in hospitals
may have higher cost share.
Prior authorization may be
required. Tests performed in
hospitals may have higher
cost share.
Up to 30 day supply at retail;
90 day supply 2 times copay
at retail. Up to 90 day supply
for mail order. Responsible
Rx programs such as Prior
Authorization may apply. See
Medication Guide for more
information.
2 of 8
SBCID: 837302
Common
Medical Event
More information
about prescription
drug coverage is
available at
www.floridablue.com.
Services You May
Need
If you have a
hospital stay
If you have mental
health, behavioral
health, or substance
abuse needs
Out-Of-Network Provider
Preferred brand drugs
50% Coinsurance
Non-preferred brand
drugs
$50 Copay per prescription at
retail, $100 Copay per
prescription by mail
50% Coinsurance
Facility fee (e.g.,
ambulatory surgery
center)
Physician/surgeon fees
If you need
immediate medical
attention
In-Network Provider
$30 Copay per prescription at
retail, $60 Copay per prescription
by mail
Specialty drugs
If you have
outpatient surgery
Your cost if you use a
Emergency room
services
Emergency medical
transportation
Urgent care
Specialty drugs are subject to the
cost share based on applicable
drug tier.
Ambulatory Surgical Center: $200
Copay/ Hospital Option 1:
Deductible + 20% Coinsurance
Specialty drugs are subject to the
cost share based on the
applicable drug tier.
Deductible + 50% Coinsurance
Limitations &
Exceptions
Up to 30 day supply for
retail; 90 day supply 2 times
copay at retail. 90 day supply
for mail order.
Up to 30 day supply for
retail; 90 day supply 2 times
copay at retail. 90 day supply
for mail order.
Mail order not available Outof-Network. Up to 30 day
supply at retail pharmacy.
Option 2 hospitals may have
higher cost shares.
Hospital: Deductible + 20%
Coinsurance/ Ambulatory
Surgical Center: $55 Copay
Hospital: In-Network
Deductible + 20% Coinsurance/
––––––––none––––––––
Ambulatory Surgical Center:
Deductible + 50% Coinsurance
$250 Copay
$250 Copay
Deductible + 20% Coinsurance
$60 Copay
In-Network Deductible + 20%
Coinsurance
Deductible + 50% Coinsurance
Facility fee (e.g., hospital
room)
Deductible + 20% Coinsurance
Per Admission Deductible +
Deductible + 50% Coinsurance
Physician/surgeon fee
Deductible + 20% Coinsurance
In-Network Deductible + 20%
Coinsurance
Mental/Behavioral health
No Charge
outpatient services
Mental/Behavioral health
No Charge
inpatient services
Substance use disorder
No Charge
outpatient services
50% Coinsurance
Physician Services: No Charge/
Hospital: 50% Coinsurance
50% Coinsurance
––––––––none––––––––
––––––––none––––––––
––––––––none––––––––
Inpatient Rehab Services
limited to 30 days. Option 2
hospitals may have higher
cost shares.
––––––––none––––––––
Option 2 hospitals may have
higher cost shares.
Option 2 hospitals may have
higher cost shares.
Option 2 hospitals may have
higher cost shares.
3 of 8
SBCID: 837302
Common
Medical Event
Substance use disorder
inpatient services
Prenatal and postnatal
care
If you are pregnant
If you need help
recovering or have
other special health
needs
If your child needs
dental or eye care
Your cost if you use a
Services You May
Need
In-Network Provider
No Charge
$55 Copay
Deductible + 50% Coinsurance
Option 2 hospitals may have
higher cost shares.
––––––––none––––––––
Not Covered
Deductible + 20% Coinsurance
Physician Services: In-Network
Deductible + 20% Coinsurance/
Option 2 hospitals may have
Hospital: Per Admission
higher cost shares.
Deductible + Deductible + 50%
Coinsurance
Deductible + 50% Coinsurance Coverage limited to 20 visits.
Coverage limited to 35 visits,
including 26 manipulations.
Deductible + 50% Coinsurance Services performed in
hospitals may have a higher
cost-share.
Not Covered
Not Covered
Deductible + 50% Coinsurance Coverage limited to 60 days.
Deductible + 20% Coinsurance
Deductible + 50% Coinsurance
––––––––none––––––––
Deductible + 20% Coinsurance
Not Covered
Not Covered
Not Covered
Deductible + 50% Coinsurance
Not Covered
Not Covered
Not Covered
––––––––none––––––––
Not Covered
Not Covered
Not Covered
Delivery and all inpatient
services
Deductible + 20% Coinsurance
Home health care
Deductible + 20% Coinsurance
Rehab services
Physician Office: $55 Copay/
Outpatient Rehab Center: $55
Copay
Habilitation services
Skilled nursing care
Durable medical
equipment
Hospice service
Eye exam
Glasses
Dental check-up
Out-Of-Network Provider
Physician Services: No Charge/
Hospital: 50% Coinsurance
Limitations &
Exceptions
Excluded Services & Other Covered Services:
Services Your Plan Does NOT Cover (This isn’t a complete list. Check your policy or plan document for other excluded services.)





Acupuncture
Bariatric surgery
Cosmetic surgery
Dental care (Adult)
Habilitation services





Hearing aids
Infertility treatment
Long-term care
Pediatric dental check-up
Pediatric eye exam





Pediatric glasses
Private-duty nursing
Routine eye care (Adult)
Routine foot care unless for treatment of
diabetes
Weight loss programs
4 of 8
SBCID: 837302
Other Covered Services (This isn’t a complete list. Check your policy or plan document for other covered services and your costs for these
services.)

Chiropractic care - Limited to 35 visits

Most coverage provided outside the United
States. See www.floridablue.com.

Non-emergency care when traveling outside
the U.S.
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 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 1-800-664-5295. You may also contact your state insurance department at 1877-693-5236, 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:
For more information on your rights to a grievance or appeal, contact the insurer at 1-800-664-5295. 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 , or your state insurance department at 1877-693-5236.
For non-federal governmental group health plans and church plans that are group health plans contact your employee services department. You may also
contact the state insurance department at 1-877-693-5236.
5 of 8
SBCID: 837302
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 (Español): Para obtener asistencia en Español, llame al 1-800-664-5295.
Tagalog (Tagalog): Kung kailangan ninyo ang tulong sa Tagalog tumawag sa 1-800-664-5295.
Chinese (中文): 如果需要中文的帮助，请拨打这个号码 1-800-664-5295.
Navajo (Dine): Dinek'ehgo shika at'ohwol ninisingo, kwiijigo holne' 1-800-664-5295.
–––––––––––––––––––To see examples of how this plan might cover costs for a sample medical situation, see the next page.––––––––––––––––––
6 of 8
SBCID: 837302
.
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.
Don’t 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 will also be
different.
See the next page for
important information about
these examples.
Having a baby
Managing type 2 diabetes
(normal delivery)
(routine maintenance of
a well-controlled condition)
 Amount owed to providers: $7,540
 Plan pays $5,340
 Patient pays $2,200
 Amount owed to providers: $5,400
 Plan pays $4,050
 Patient pays $1,350
Sample care costs:
Hospital charges (mother)
Routine obstetric care
Hospital charges (baby)
Anesthesia
Lab tests
Prescriptions
Radiology
Vaccines, other preventive
Total
$2,700
$2,100
$900
$900
$500
$200
$200
$40
$7,540
Sample care costs:
Prescriptions
Medical Equipment and Supplies
Office Visits and Procedures
Education
Lab tests
Vaccines, other preventive
Total
$2,900
$1,300
$700
$300
$100
$100
$5,400
Patient pays:
Deductibles
Copays
Coinsurance
Limits or exclusions
Total
$1,500
$100
$400
$200
$2,200
Patient pays:
Deductibles
Copays
Coinsurance
Limits or exclusions
Total
$70
$1,200
$0
$80
$1,350
7 of 8
SBCID: 837302
Questions and answers about the Coverage Examples:
What are some of the
assumptions behind the
Coverage Examples?








Costs don’t include premiums.
Sample care costs are based on national
averages supplied by the U.S.
Department of Health and Human
Services, and aren’t specific to a
particular geographic area or health plan.
The patient’s 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.
If the SBC includes both individual and
family coverage tiers, the coverage
examples were completed using the perperson deductible and out-of-pocket
limit on page 1.
What does a Coverage Example
show?
Can I use Coverage Examples
to compare plans?
For each treatment situation, the Coverage
Example helps you see how deductibles,
copays, 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
isn’t covered or payment is limited.
Yes. When you look at the Summary of
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
doctor’s 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 can’t 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.
Benefits and Coverage for other plans,
you’ll 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 you’ll pay in out-ofpocket costs, such as copays, 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 1-800-664-5295 or visit us at www.floridablue.com.
If you aren’t clear about any of the underlined terms used in this form, see the Glossary. You can view the Glossary
at www.floridablue.com or call 1-800-664-5295 to request a copy.
Florida Blue is a trade name of Blue Cross and Blue Shield of Florida, Inc., an Independent Licensee of the Blue Cross and Blue Shield Association.
8 of 8
SBCID: 837302