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Welcome Kit
The Boeing Company
December 2010
ywhere.
®
www.bcbsil.com/boeing
What’s Inside
bcbsil.com/boeing
Welcome to Blue Cross and Blue Shield of Illinois ............................. 1
BCBSIL FAQs ................................................................................................................................3
Using Your Online Resources .......................................................................................................8
Finding a Center of Excellence ...................................................................................................10
Filing a Claim .............................................................................................................................12
Understanding Your Explanation of Benefits................................................................................14
Fighting Fraud ............................................................................................................................16
Traveling Using BlueCard® PPO and BlueCard Worldwide® .......................................................18
Getting Fit ..................................................................................................................................19
Other Boeing Benefits ...................................................................... 21
Prescriptions – Medco®* .............................................................................................................22
Mental Health and Substance Abuse Treatment – ValueOptions®* ...............................................23
Vision – VSP®*.............................................................................................................................24
For Your Well Being .......................................................................... 25
Best Doctors®* Second Opinion Program ...................................................................................26
OptumHealthSM* ........................................................................................................................27
Quit For Life®* ...........................................................................................................................29
Other Programs ..........................................................................................................................30
* Medco, ValueOptions, VSP, Best Doctors, OptumHealth and Free & Clear ® are separate companies that do not provide
Blue Cross and Blue Shield of Illinois products or services. These vendors are solely responsible for the products and services they offer.
888-802-8776
www.bcbsil.com/boeing
Welcome to Blue Cross
and Blue Shield of Illinois
Nearly one out of every three Americans is enrolled in a Blue Cross and Blue Shield health plan. For more than 70 years, Blue
Cross and Blue Shield of Illinois (BCBSIL) has provided reliable health care benefits and services to its members and communities.
BCBSIL provides members with programs and support to help manage their health care benefits, costs, and health and well-being.
888-802-8776
1
We are here to help
BCBSIL knows that the choices you make each day affect
your health now and in the future. We offer access to
convenient online tools and resources to help you plan
and manage your health care as well as access to a wide
variety of educational resources. Whether you are trying
to improve your health or reach the next level of wellness,
BCBSIL is here to help.
How to use this guide
Watch for your ID cards
Your ID cards will be arriving by mail under
separate cover. If you need a temporary or
additional ID card or need to request a
replacement card, go online to
www.bcbsil.com/boeing or call Boeing
Member Services at 888-802-8776.
Remember to show your new ID card to
each provider you see in 2011 so they can
update your records and ensure that your
claims are paid in a timely manner.
Please take a few minutes to review this guide, which is
intended to help you make the best use of your benefits. It
includes information that will help you make the most of
your health care coverage through BCBSIL, including how
to find a network provider, submit a claim and understand
your explanation of benefit statements. For those who were
previously covered by a Regence plan, information on making
the transition to BCBSIL is included.
For most groups, Boeing contracts with different service
representatives for pharmacy, behavioral health and vision
care. An overview of benefits is provided for those enrolled in
those services. You will also find introductory information on
some of the wellness programs offered through BCBSIL and
Boeing as a complement to your health care plan.
For specific details on your medical coverage, including
deductibles, copayments, coinsurance and covered services,
please visit our website at www.bcbsil.com/boeing, which is
your complete resource for benefits information and
wellness tools.
Please note: This booklet is meant to be a summary of administrative services only. Benefits and coverage levels vary by plan
option and are explained in more detail in the applicable summary plan description, insurance contracts, and other formal plan
documents. In the event of a conflict between this booklet and the formal plan documents, the plan documents will govern.
If you have questions
You can call Boeing Member Services at 888-802-8776 with any questions about your medical benefits through BCBSIL.
Our Member Services hours are 5 a.m. to 5 p.m. Pacific Time (8 a.m. to 8 p.m. Eastern Time and 7 a.m. to 7 p.m. Central Time),
Monday through Friday.
You can also register for Blue Access® for Members, a secure member portal, at www.bcbsil.com/boeing, where you can search
for answers to your questions or send a secure e-mail directly to Member Services.
2
www.bcbsil.com/boeing
BCBSIL FAQs
Answers to frequently asked questions
about BCBSIL
The following are answers to frequently asked questions about
the transition to BCBSIL. If you need additional assistance,
please call Boeing Member Services at 888-802-8776.
Member Service representatives are available Monday
through Friday from 5 a.m. to 5 p.m. Pacific Time (8 a.m. to
8 p.m. Eastern Time and 7 a.m. to 7 p.m. Central Time).
Transition to BCBSIL
What is BCBSIL?
Blue Cross and Blue Shield of Illinois (BCBSIL) provides
health care coverage to more than 6.5 million members in
all 50 states. BCBSIL is a division of Health Care Service
Corporation (HCSC), the largest customer-owned health
insurer in the United States and the fourth largest health
insurer overall. HCSC is headquartered in Chicago, Ill., and
has a full service unit in Jacksonville, Ill., that will handle
member service and claims processing for Boeing members.
Why did Boeing change insurance companies?
Boeing has selected Blue Cross and Blue Shield of Illinois
to become the administrator of many of its employee and
retiree health care plans starting in 2011. BCBSIL was chosen
because it has the technology and resources to help Boeing
employees and retirees make more informed health care
decisions and to better manage company and individual
health care costs.
Which Boeing plans were affected by the
change to BCBSIL?
All Boeing plans administered by Regence Blue Shield for
nonunion and union employees and retirees have transitioned
to BCBSIL. These plans include:
s
Traditional Medical Plan (TMP) in all locations
where Regence was the administrator, including
the TMP for U.S.-based expatriates (note: TMP for
nonunion employees in St. Louis is administered
by UnitedHealthcare®)
s
Traditional and Basic PPO plans in certain locations
s
Select Network Plan in Puget Sound
s
Selections Coordinated Care Plan in Puget Sound
s
Selections Coordinated Care Plus Plan in Oregon
and Kansas
continued
888-802-8776
3
BCBSIL FAQs
continued
What is being done to notify doctors and
hospitals about this change from Regence
to BCBSIL?
Available information includes:
Regence and BCBSIL will notify doctors and hospitals of the
change via their provider newsletters and websites twice –
during the fourth quarter of 2010 and in early 2011.
s
Doctor or facility name, address and
telephone number
s
Provider specialty
Doctors and other providers
s
Medical school attended
s
Residency
s
Accepting new patient status (yes or no)
s
National Provider Identifier number
s
Map and driving directions to doctor’s office
or facility
Will I be able to see the same doctor(s) I had
under my prior plan with Regence?
Yes. BCBSIL and Regence are both “Blues” organizations with
the same network of doctors and providers, which means that
employees will still be able to use the same Blue Cross and/or
Blue Shield network in their communities that they use today.
Of course, the participation of individual doctors or hospitals
in those networks can change from time to time, so be sure to
verify your doctor’s status online at www.bcbsil.com/boeing,
or call Boeing Member Services at 888-802-8776.
How do I find a physician or hospital?
The BCBSIL website includes a Provider Finder® to help you
locate physicians and facilities that meet criteria you set. You
can view the most current list of providers online by visiting
www.bcbsil.com/boeing. Select Provider Finder under the
Doctors and Hospitals tab or at the bottom right-hand side of
the homepage.
4
What type of information will the Provider
Finder give me?
www.bcbsil.com/boeing
On a BCBSIL plan, do I need to select a primary care
physician or obtain a referral to see a specialist?
BCBSIL plans do not require you to select a primary care
physician or obtain a referral to see a specialist who is within
the network.
bcbsil.com/boeing
Will I receive a provider directory?
Provider directories are not printed as they are updated
frequently. You may view the most current list of providers
online by visiting www.bcbsil.com/boeing and selecting
Provider Finder under the Doctors and Hospitals tab or at the
bottom right-hand side of the homepage.
Health care benefits
How can I get more information about
bout my
SIL?
health care coverage through BCBSIL?
Please visit BCBSIL’s website at www.bcbsil.com/boeing
co
om/boeing
for additional information about your health ccare
are
coverage, or call Member Services at 888-802-8776.
02-8776.
Where can I get information about my
my benefits?
You may view your plan benefits online by visiting
siting
www.bcbsil.com/boeing and registering and logging in to
Blue Access for Members after you receive your
our BCBSIL ID
card. You can also call Member Services at 888-802-8776
88-802-8776
or view your plan benefits through the Your Benefits
Benefits
Resource website via Boeing TotalAccess.
continued
5
BCBSIL FAQs
continued
Will my mental health and substance abuse
treatment vendor stay the same?
Yes. ValueOptions will continue to be the mental health and
substance abuse treatment vendor for Boeing members. The
website for ValueOptions is www.valueoptions.com/boeing.
Also, beginning in January, ValueOptions will process mental
health and substance abuse treatment claims for Boeing.
You will still be able to reach the Boeing Helpline at
800-892-1411 24 hours a day, seven days a week. However,
ValueOptions will not issue ID cards. You should provide
your BCBSIL member ID card when seeking services.
Will my vision coverage vendor stay the same?
Will my prescription drug vendor stay the same?
Yes. For nearly all BCBSIL plans, Medco will continue to be
the prescription drug vendor. The website for Medco is
www.medco.com/boeing. You will receive a Medco
identification card with a new ID number (different from your
medical plan number) in the mail if you don’t already have
one. If you are a member of the Fairbanks Joint Crafts Council
(FJCC) union, your prescription drug service representative
will be changing to the BCBSIL prescription drug
administrator, Prime Therapeutics*.
Will my Flexible Spending Account vendor stay
the same?
Yes. Aetna† will continue to be the Health Care and
Dependent Care Flexible Spending Account vendor for
Boeing plans. For more information, visit www.aetnafsa.com.
* Blue Cross Blue Shield of Illinois (BCBSIL) contracts with Prime
Therapeutics to provide pharmacy benefit management and other related
services. BCBSIL, as well as several other independent Blue Cross and
Blue Shield Plans, has an ownership interest in Prime Therapeutics.
† Aetna is a separate company that does not provide Blue Cross and Blue
Shield of Illinois products or services. This vendor is solely responsible
for the products and services they offer.
6
www.bcbsil.com/boeing
Yes. VSP will remain the vendor for those plans, such as the
Traditional Medical Plan, that had VSP coverage in 2010.
Plans that offered vision coverage through Regence in 2010,
including the Select Network, Selections, and Selections Plus
plans, will now have vision coverage through BCBSIL with the
same network of providers. If you are not sure who your
vision vendor is, please call Boeing Member Services at
888-802-8776 to verify your coverage.
ID cards and claims
Will I receive new ID cards?
Yes. You will receive your new medical coverage ID card
from BCBSIL by the first week of January 2011. If you don’t
receive a card by that date, please contact BCBSIL at
888-802-8776 for assistance. If you don’t already have a
separate Medco prescription card, you will also receive
that card directly from Medco in the mail within the same
timeframe. Please be sure to show your new ID card to
each provider you see in 2011 so they can update their
billing systems with your new information. However,
ValueOptions will not issue ID cards. You should provide
your BCBSIL member ID card when seeking services.
bcbsil.com/boeing
Why do the ID cards have only the subscriber’s
name and not all family members’ names?
The BCBSIL ID cards display only the subscriber (employee
or retiree) name. The cards can be used for all eligible family
members even though their names are not printed on the
card. If you need an additional card, you can request one by
contacting Member Services at 888-802-8776.
How do I submit a claim?
If you use a network provider, the provider will submit claims
directly to the local BCBS plan and then on to BCBSIL. Be sure
to show your new ID card to each provider you see in 2011. If
you need to file a claim yourself, you must fill out and submit
a claim following the instructions on page 12.
Preauthorization
Regence preauthorized coverage for services
that I will receive in 2011. How will this be
handled?
I am appealing a claim for services rendered in
2010. Whom should I contact to learn the status
of my appeal?
Any appeals for services provided through December 31,
2010, will be handled by Regence. Any appeals for services
provided on or after January 1, 2011, will be handled by
BCBSIL.
How and when can I call BCBSIL
Member Services?
You can reach Member Services at 888-802-8776 from
5 a.m. to 5 p.m. Pacific Time (8 a.m. to 8 p.m. Eastern Time
and 7 a.m. to 7 p.m. Central Time). You may also visit the
website at www.bcbsil.com/boeing for helpful plan
information at any time.
Can I e-mail questions directly to BCBSIL?
Yes. Once you register for Blue Access for Members, the
secure member portal at www.bcbsil.com/boeing, you can
send a secure e-mail directly to Member Services.
Any preauthorizations that have been approved by Regence
for future services will be honored by BCBSIL. BCBSIL will
receive a list of preauthorizations from Regence for services
in 2011 so that systems can be updated with that information.
I accumulated points for certain activities on the
Regence website. Will BCBSIL have that same
system? What happens with my Regence points?
I will need to have a medical procedure
performed in early 2011. Is preauthorization
required?
Your Regence points will expire on December 31, 2010, so
please redeem your points before the end of the year.
BCBSIL will not implement a point system at this time for
Boeing members.
Please call BCBSIL Member Services at 888-802-8776 with
any questions related to medical policies or clinical
determinations.
Getting more information
How do I know whether to contact Regence
or BCBSIL with questions about claims?
You should contact Regence for any claims related to services
provided through December 31, 2010. Contact BCBSIL for
claims related to services provided on or after January 1, 2011.
888-802-8776
7
Using Your Online Resources
BCBSIL provides tools and resources to help you manage your benefits and health
Once you receive your new BCBSIL ID card, you can register for Blue Access for Members at
www.bcbsil.com/boeing and use this secure website to manage your benefits and health. Go to
www.bcbsil.com/boeing, click Learn about Blue Access and then follow the steps to register.
8
Manage your benefits
Manage your health
Once you register and log in, Blue Access for Members
allows you to:
Blue Access for Members provides a variety of tools to help
you make health care decisions:
s
Review your coverage.
s
Confirm who is covered under your plan.
s
Find and compare providers or facilities.
s
Check the status of a claim.
s
Sign up to receive e-mail notifications when a claim
is finalized.
s
View and print your explanation of benefits (EOB)
statements and opt out of receiving printed copies.
s
Request a replacement or additional ID card and
print a temporary one.
www.bcbsil.com/boeing
s
Care Comparison® lets you review and compare
provider and facility treatment costs for procedures
performed at designated in-network facilities.
s
Treatment Cost Advisor helps you find the typical
cost of common health care services in your
geographic area.
s
Health and Wellness Information offered by BCBSIL
provides helpful articles about general health topics
and specific conditions.
s
Fitness Program offered by BCBSIL provides access
to a nationwide network of participating fitness
centers with no long-term contract required.
bcbsil.com/boeing
Find a provider
The Provider Finder helps you quickly
and easily locate a contracting doctor,
hospital or other health care provider in
your area according to the criteria you
select.
1.
Go to www.bcbsil.com/boeing.
2.
Click Doctors & Hospitals.
3.
Click Provider Finder.
4.
Select your medical plan.
4.
Choose a search option:
s
By name: Look up a doctor,
hospital or other health care
provider by name.
s
By provider type: Find a doctor
based on a specialty, such
as dermatology or internal
medicine
s
By other categories: Narrow
your search to include a specific
location or to find providers
by gender, languages spoken,
hospital affiliations and more.
Coming soon!
Smartphone applications
By the end of the first quarter of
2011, you will be able to do the
following using your smartphone:
s
View the BCBSIL
public site at
www.bcbsil.com/boeing.
s
Access certain features
within Blue Access for
Members, including your
ID card, claim status and
coverage information.
s
Receive text messages,
including claim status alerts
and your ID card information.
If you do not have Internet access,
please call Boeing Member Services at
888-802-8776.
888-802-8776
9
Finding a Center of Excellence
Blue Distinction® facilities offer proven expertise in specialty care
Blue Distinction is a designation awarded by the Blue Cross and Blue Shield companies to hospitals
that have demonstrated expertise in delivering clinically proven specialty health care. Its goal is to
help consumers find specialty care on a consistent basis, while enabling and encouraging health
care professionals to improve the overall quality and delivery of care nationwide. Categories of
Blue Distinction facilities are listed below.
Blue Distinction Centers for
Bariatric SurgerySM
Blue Distinction Centers for Knee and
Hip ReplacementSM
A full range of bariatric surgical care services is offered,
including inpatient care, post-operative care, follow-up
and patient education.
Inpatient knee and hip replacement services, including total
knee and total hip replacement surgeries, are available at
these centers.
Blue Distinction Centers for
Cardiac CareSM
Blue Distinction Centers for Spine SurgerySM
A full range of cardiac care services is available,
including inpatient cardiac care, cardiac rehabilitation,
cardiac catheterization and cardiac surgery.
Blue Distinction Centers for Complex
and Rare CancersSM
Inpatient cancer care programs for adults, including those
treating complex and rare subtypes of cancer, delivered
by multidisciplinary teams with subspecialty training and
distinguished clinical expertise, with a focus on treatment
planning and complex, major surgical treatments, are offered.
10 www.bcbsil.com/boeing
Inpatient spine surgery services are offered, including
discectomy, fusion and decompression procedures.
Blue Distinction Centers for TransplantsSM
This transplant program provides services such as global
pricing, financial savings analysis, and global claims
administration and support services.
Use the Provider Finder on the BCBSIL website to find a Blue Distinction Center:
1. Go to www.bcbsil.com/boeing.
2. Click Doctors & Hospitals.
3. Click Blue Distinction / Centers of Excellence.
4. Click Blue Distinction Centers of Specialty Care.
5. You may either search for a specific area of specialty care or view a complete list of
Blue Distinction Centers by state.
888-802-8776 11
Filing a Claim
Tips for submitting claims
Help us avoid unnecessary delays by answering all questions
completely and accurately and including itemized bills that
contain the information we need to process claims.
Following these guidelines will help
ensure that your claims are
processed quickly
s
Show the instructions accompanying the claim form
to the persons providing your care and ask them to
provide bills that follow the instructions.
s
Itemized bills for medical treatment or surgery
should include:
-
Physician’s name, address and phone number
-
Physician’s tax identification number
-
Full name of patient (not just name of person to
whom bill is addressed)
-
Place where service was received (hospital,
office or clinic)
-
Diagnosis of illness or injury; if an injury, give
the date it happened
-
Description of service received
-
Date of each treatment or surgical procedure
-
Charge for each treatment or surgical
procedure
Provider-submitted claims
Most doctors and hospitals will file a claim directly with
BCBSIL. Show your BCBSIL ID card to the doctor or
hospital when checking in to confirm that they will
file claims directly.
Member-submitted claims
If you need to file a claim yourself, you will need to
fill out and submit a form like the one shown on the
opposite page.
1.
Go to www.bcbsil.com/boeing.
2.
Under Boeing Member Resources, click Forms.
3.
Click Medical Claim Form and print the form
and instructions.
Then, fill out the form completely, attach a copy of the
itemized bill, and mail to the address shown on the
claim form.
12
www.bcbsil.com/boeing
s
Itemized bills for ambulance service should include:
-
Date(s) when service was used
3
HEALTH INSURANCE CLAIM FORM
Send Completed Claim Form To:
Blue Cross and Blue Shield of Illinois
P.O. Box 805107
CHICAGO, IL 60680-4112
NOTICE TO ALL PARTIES COMPLETING THIS FORM: It is fraudulent to fill out this form with information
you know to be false or to omit important facts. Criminal and/or civil penalties can result from such acts.
PLEASE PRINT OR TYPE CLEARLY
-
Base rate and mileage
-
Place where patient was picked up and driven to
-
If patient was transferred from one location to
another, a letter from the attending physician
giving the reason for the transfer must be
attached to the bill
ID NUMBER -- Copy this from your Blue Cross and Blue Shield Identification Card.
GROUP NUMBER:
IDENTIFICATION NUMBER:
PATIENT INFORMATION -- A separate claim form must be completed for each family member.
PATIENT’S FULL LEGAL NAME (Last, First, Middle Initial)
SEX:
SOCIAL SECURITY NUMBER (optional):
Male
Female
PATIENT IS:
Member
Spouse
Child
DATE OF BIRTH
Month
Day
Year
___ ___ ___/ ___ ___/ ___ ___ ___ ___
OTHER, please explain relationship:
PAYEE:
MAKE PAYMENT TO THE PROVIDER (hospital, doctor etc.), OR
MAKE PAYMENT TO MEMBER, the provider has been paid
MEMBER INFORMATION
s
MEMBER (POLICY HOLDER) NAME: (As shown on your Blue Cross and Blue Shield
ID Card)
Itemized bills for rental of durable medical
equipment should include:
CURRENT ADDRESS:
-
CLAIM INFORMATION
-
A statement from the attending physician
attached to the bill. This must state why the
equipment was necessary.
An estimate of how long the equipment will
be used and the purchase price of the
equipment; if for long-term use, remember
that rental is paid only up to the purchase
price of the equipment.
-
Original bills attached to the claim form.
We recommend that you make copies of
each bill for your personal records.
The original bills will not be returned.
-
If Medicare is your primary health insurance
payer, your provider will send all claims
to Medicare first; BCBSIL will generally
coordinate with Medicare to pay any
eligible claims for services not covered
by Medicare.
SOCIAL SECURITY NUMBER (optional):
DATE OF BIRTH
Month
Day
Year
___ ___ ___/ ___ ___/ ___ ___ ___ ___
HOME PHONE:
(__ __ __)__ __ __-__ __ __ __
IF COVERAGE IS THRU
YOUR EMPLOYER, PROVIDE
GROUP (EMPLOYER) NAME:
WORK PHONE:
(__ __ __)__ __ __-__ __ __ __
IS CLAIM FOR AN ACCIDENTAL INJURY?
Yes
No
IS THIS A WORKERS COMPENSATION CLAIM?
Yes
No
DATE OF ACCIDENT:
BRIEFLY DESCRIBE INJURY:
COMPLETE BELOW IF NON-ACCIDENTAL INJURY OR ILLNESS
DATE FIRST TREATED:
BRIEFLY DESCRIBE THE CONDITION(S) FOR WHICH THE PATIENT RECEIVED THESE SERVICES:
(You can usually copy the diagnosis or description of service from the provider bill.)
OTHER INSURANCE INFORMATION
Are there any OTHER medical benefits available to you, your spouse, or your dependents from OTHER Group Insurance, including OTHER Blue Cross and Blue Shield policies,
OTHER Employer, Labor or Professional Organizations, School, etc.?
Yes (provide below)
No
POLICY HOLDER NAME:
SOCIAL SECURITY NUMBER (optional):
___ ___ ___/ ___ ___/ ___ ___ ___ ___
POLICY HOLDER IS:
Member
INSURANCE CARRIER NAME:
ADDRESS:
Spouse
Child
OTHER, please explain relationship:
POLICY NUMBER:
EFFECTIVE DATE:
PHONE NUMBER:
(__ __ __)__ __ __-__ __ __ __
RELEASE OF INFORMATION: I certify that the above information is correct and that the bills attached were incurred by the patient
listed above. I understand that Blue Cross and Blue Shield’s use or disclosure of individually identifiable health information, whether
furnished by me or obtained from other sources such as medical providers, shall be in accordance with the federal privacy
regulations under HIPAA (Health Insurance Portability and Accountability Act of 1996).
Sign
Here _____________________________________________________________________________________________
Signature of Member
Date __________________________
888-802-8776 13
Understanding Your
Explanation of Benefits
Review completed claims by mail or online
An Explanation of Benefits (EOB) statement is a notification form
provided to members when a health care benefits claim is processed by
BCBSIL. The EOB displays the expenses submitted by the provider and
shows how the claim was processed.
The EOB has four main sections: Claim Information, Summary, Service
Information and Coverage Information. A sample EOB is shown below,
and descriptions of specific information are provided on the facing page.
The EOB may include additional information:
s
Information about amounts not covered shows
which benefit limitations or exclusions apply.
s
Information about out-of-pocket expenses
shows an amount when a claim applies toward
your deductible or counts toward your out-ofpocket expenses.
s
Information about appeals explains your rights
regarding review of claim denials.
s
Fraud Hotline is a toll-free number you can call
if you think you are being charged for services
you did not receive or if you suspect any
fraudulent activity.
View your EOB online anytime
Sign up for Blue Access for Members at
www.bcbsil.com/boeing for quick, convenient and
confidential access to your claim information and history.
To support our commitment to eco-friendly business
practices, you can choose to opt out of receiving EOBs
by mail. This saves resources and offers you additional
confidentiality. Just go to www.bcbsil.com/boeing,
click User Profile, and change your User Preferences.
14 www.bcbsil.com/boeing
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2
3
4
5
6
7
8
11
12
17
18
19
20
21
22
13
14
9
15
10
16
Sample EOB
Not all EOBs are the same. The format and content of your EOB depends on your
benefit plan and the services provided. Deductible and copayment amounts may vary.
Claim Information
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
Account name (member’s company or organization)
Date claim was finalized
Member’s name and mailing address
Toll-free number to call for additional information
BCBSIL messages
Member’s name
Employer or group identification number*
Member number that appears on the ID card*
Claim number*
Person who received the services*
Summary
11. Total amount billed by the provider for the services, benefits approved
and paid by BCBSIL, and remainder you may owe
Service Information
12.
13.
14.
15.
16.
17.
Provider name (top line) and description of service (below)
Beginning and end service dates
Amount billed by the provider for each service
Portion of the billed amount not covered by the plan (footnote explains reason)
Amount covered by the plan*
Total charges included on this claim
Coverage Information
18.
19.
20.
21.
22.
Plan reductions subtracted from billed amount such as PPO allowances
Deductible and copayment or coinsurance amounts
Payment approved before benefits are coordinated with other insurers, such as Medicare
Amount the member may be responsible for paying
Total benefit approved for provider
*Please provide this information when contacting BCBSIL about a claim.
888-802-8776 15
Fighting Fraud
Fraud increases costs and decreases benefits
fits
Fraud costs the health care industry more than
$60 billion each year. As a BCBSIL member,
you can help fight fraud by understanding
it and following the tips provided below.
Identifying fraud
Commonly identified schemes involving providers include:
s
s
s
s
Misrepresenting services – This includes intentionally
billing procedures under different names or codes to
obtain coverage for services that aren’t included in a
member’s plan.
Upcoding – Deliberately charging for more
complex or more expensive services than those
actually provided is one example.
Non-rendered and/or “free” services – Some
providers intentionally bill for tests or services never
provided. This can also mean that the provider offered
“free” services in order to bill the insurance company
for services not performed or needed.
Kickbacks, bribes or rebates – An example is referring
patients to a provider or facility in which the referring
provider has a financial interest.
16 www.bcbsil.com/boeing
Commonly identified schemes involving members include:
s
Identity swapping – Allowing an uninsured individual
to use a member’s insurance card
s
Identity theft – Using false identification to gain
employment to obtain health insurance benefits
or coverage
s
Ineligible members – Adding someone to a policy
who is not eligible or failing to remove someone
when that person becomes ineligible
s
Prescription medicine abuse and diversion –
Obtaining controlled substances through deception
or dishonesty for personal use or sale
Tips for fighting fraud
The BCBSIL Special Investigations Department (SID) is one of the most effective in the industry. The department includes individuals
with medical, insurance and law enforcement backgrounds as well as data analysts experienced in detecting fraudulent billing schemes.
The SID aggressively investigates reports of fraud and refers cases for criminal prosecution. They also offer members these tips:
s
Know your benefits and scope of coverage –
Review all explanation of benefits (EOB) statements.
Make sure the exams, procedures and tests billed
were ones you actually had with the provider who
treated you.
s
Understand your responsibility to pay deductibles
and copayments – Know what balances you can
and cannot be billed for once your claim has
been processed.
s
Guard your health insurance card and personal
insurance information – Notify BCBSIL immediately
if your card or insurance information is lost or stolen.
s
Sign and date only one claim form per office visit.
s
Never lend your member ID card to another person.
s
Don’t give out insurance or personal information if
services are offered as “free” – Be sure you understand
what is “free” and for what service you or your employer
will be charged.
s
Ask your doctors exactly what tests or procedures
they want you to have and why – Ask why the tests or
procedures are necessary before you have them.
s
Be sure any referrals you receive from your network
provider are to other network doctors or facilities – If
you’re not sure, please ask.
s
Monitor your prescriptions on www.medco.com/boeing –
Make sure the medications billed to your insurance are
listed accurately. If you are a member of the FJCC union, you
can access your prescription claim information via the Prime
Therapeutics website when you visit www.bcbsil.com/boeing
and log in to Blue Access for Members.
Reducing health care fraud is a collaborative effort between BCBSIL, its providers and its members. Additional information and a
fraud awareness training program are available through the Special Investigations Department’s website at www.bcbsil.com/sid.
Reporting fraud
BCBSIL encourages you to report any suspected incidence of fraud by calling the Health Care Fraud Hotline, completing a form
online, or sending a note in the mail. Suspicions of fraud can be reported to the SID anonymously.
There are three ways to report fraud to BCBSIL:
s
Call the toll-free Fraud Hotline at 800-543-0867
24 hours a day, seven days a week – You can remain
anonymous or provide information if you want to be
contacted by a member of the Special Investigations
Department.
s
Go to the online Special Investigations Department
reporting page at www.bcbsil.com/sid/reporting –
You can access a fraud reporting form that can be
completed and sent to the SID electronically.
s
Write the Special Investigations Department at:
Blue Cross and Blue Shield of Illinois
Special Investigations Department
300 E Randolph St., 11th Floor
Chicago, IL 60601
888-802-8776 17
Traveling Using BlueCard PPO
and BlueCard Worldwide
Peace of mind wherever you go
Inside the United States
You have nationwide access to network providers linked
through the BlueCard PPO program when you or your covered
dependents live, work or travel anywhere in the country. The
national network includes more than 85 percent of all physicians
and hospitals in the country. Be sure to use a BlueCard
network provider to receive the highest level of benefits.
With the BlueCard program, there are two ways to locate
contracting doctors and hospitals:
s
s
Visit the website at www.bcbsil.com/boeing to find
provider names and locations using the Provider
Finder. Maps and driving directions are also available.
Call Boeing Member Services at 888-802-8776.
Because the BlueCard program is PPO-specific, it does not
apply for the Select Network Plan.
Outside the United States
Before you leave home, contact BCBSIL for coverage details.
Your coverage outside the United States may be different.
And remember to take your BCBSIL ID card with you.
If you need assistance outside the country, call 800-810-BLUE
(800-810-2583) or call collect to 804-673-1177
for information. Through the BlueCard Worldwide
program, you have access to doctors and hospitals in
more than 200 countries and territories around the
world. An assistance coordinator, in conjunction with
a medical professional, can arrange your doctor’s
appointment or hospitalization, if necessary.
(In an emergency, go directly to
the nearest hospital and then
call BlueCard Worldwide at
one of the phone numbers
provided above.)
18
In most cases, providers that participate in the BlueCard
Worldwide program will not require you to pay up front
for inpatient care. You are responsible for the out-of-pocket
expenses such as deductible, copayment and coinsurance
and non-covered services. The doctor or hospital should
submit your claim.
You also have coverage at non-contracting hospitals, but you
will have to pay the doctor or hospital for care at the time
of service and then submit an international claim form with
original bills to the address on the form. You can
get a claim form by going online at
www.bcbsil.com/boeing or calling Boeing
Member Services at 888-802-8776.
Please note: If you participate in the Select
Network Plan and receive services outside
of Puget Sound, you only have coverage
for medical emergencies. For eligible
dependents in the Select Network Plan
who reside outside of Puget Sound, the
deductible and coinsurance will apply.
For more information, please contact
Member Services at 888-802-8776.
For more information about the
BlueCard® Program online:
1.
Go to www.bcbsil.com/boeing.
2.
Under Boeing Member Resources,
click International Travel.
You will find more information about the
program, links to tools to find U.S. and
international providers, the claim form
and FAQs.
Getting Fit
Use your Fitness Program discount to
make getting fit affordable
BCBSIL Fitness Program
Regular exercise is an essential part of healthier living.
BCBSIL makes it easier for you to add fitness to your
busy schedule.
Available exclusively to BCBSIL members and their covered
dependents (age 18 and older), the Fitness Program provides:
s
Flexible membership, no long-term contract
required
s
One-time enrollment fee of $29 and a low $29
monthly membership fee (one-time enrollment
fee and monthly membership fee both subject to
applicable taxes)
s
Easy online enrollment and automatic monthly
payment withdrawal
s
Online records of your fitness center visits
s
Unlimited access to a nationwide network of
participating fitness centers and select YMCA locations
Joining the Fitness Program is easy:
s
Visit www.bcbsil.com/boeing and log in to your
Blue Access for Members account. Click the My
Health tab to find the Fitness Program button. Click
this link to search for participating locations and
complete your enrollment.
s
You can also enroll by calling 888-762-BLUE
(888-762-2583) toll-free Monday through Friday,
8 a.m. to 9 p.m. in any U.S. time zone.
Boeing-provided physical activity support
Help in getting more physically active is also available
at fitness centers at many Boeing U.S. sites, or closer to
home via Boeing-provided discounts on memberships
at national chains LA Fitness® and 24 Hour Fitness® and
several regional community fitness centers, depending
on location. The company also offers discounts on home
fitness equipment. For more information about fitness
discounts, visit TotalAccess.
More information about the Fitness Program
The Fitness Program is a discount program available to Blue Cross and Blue Shield of Illinois (BCBSIL) members. This program is not covered under the member’s health
insurance benefit plan. Please refer to your benefit booklet or call the customer service number on the back of your ID card for specific benefit information under
your health plan. Use of the Fitness Program does not affect your monthly contributions (if any), nor do costs of Fitness Program services or products count toward any
maximums and/or plan deductibles. Members are responsible for all fees, dues, taxes and other charges related to the Fitness Program. Refer to the program terms and
conditions for further details.
BCBSIL does not guarantee or make any claims or recommendations regarding the services or products offered under the Fitness Program. You may want to consult
with your physician prior to use of these services and products. BCBSIL reserves the right to discontinue or change this discount program at any time without notice.
Healthways, Inc. is an independent contractor that administers the Prime Network of fitness centers. The Prime Network is made up of independently owned and
managed fitness centers.
888-802-8776
19
20 www.bcbsil.com/boeing
Other Boeing Benefits
In addition to the medical coverage provided through BCBSIL, you may also receive coverage for specialized services through
vendors with whom Boeing has contracted, as described in this section. Specific offerings may depend on employment status,
union agreements and other factors.
The benefits described in this section are not administered by Blue Cross and Blue Shield of Illinois. The vendors mentioned
are separate companies that do not provide Blue Cross and Blue Shield of Illinois products or services. These vendors are solely
responsible for the products and services described.
888-802-8776
21
1
Prescriptions – Medco
For short-term prescriptions, such as antibiotics, continue
using a participating retail pharmacy.
You can also save with generic drugs. FDA-approved generics
must meet the same FDA quality standards as brand-name
drugs, yet they can cost about 30 to 80 percent less.* The My
Rx Choices® prescription savings program lets you go online
to www.medco.com/boeing to view potential cost-saving
opportunities. Print them out and share them with your doctor.
You could potentially save hundreds of dollars a year by
using generics.
Medco Specialist Pharmacists
Your prescription drug benefit is administered
by Medco. Medco provides personalized care
designed to help improve and maintain your
and your family’s health while helping you save
on the medications you take every day.
Convenient mail-order service and more
Medco offers you convenience, safety and savings through
the Medco Pharmacy™ mail-order service. When you
purchase medications you take to treat an ongoing condition
(e.g., high blood pressure or high cholesterol) at a retail
pharmacy, you could be paying more than you need to.
With the Medco Pharmacy, you can get up to a 90-day
supply delivered to you for just one copayment. Take
advantage of the Medco Pharmacy and get:
s
Phone access to pharmacists who can focus on your
prescriptions 24 hours a day, seven days a week
s
Easy refills online, over the phone or by mail
s
Peace of mind in knowing that your prescriptions
are undergoing safety and advanced quality checks
to help prevent harmful drug interactions
22 www.bcbsil.com/boeing
If you or your family members take medication to treat certain
long-term conditions, you can take advantage of the personalized
care and expertise of Medco Specialist Pharmacists. They’re
available by phone 24 hours a day, seven days a week
to work with you and your doctor to help make sure that
your medications work safely together and work well for
you. These pharmacists have specialized training in the
medications used to treat specific ongoing conditions such as
high cholesterol, high blood pressure, depression, diabetes,
asthma, osteoporosis and cancer. To contact a Medco
Specialist Pharmacist, call 800-841-2797.
Contact Medco
To start taking advantage of everything your Medco
prescription drug benefit offers, visit www.medco.com/boeing
or call Member Services toll-free at 800-841-2797.
* U.S. Food and Drug Administration publication “Are you taking medication
as prescribed?” www.fda.gov/downloads/ForConsumers/ConsumerUpdates/
UCM165097.pdf. Published June 2009. Accessed June 24, 2010.
More information about Medco
Medco, the world’s most advanced pharmacy, and My Rx Choices are
registered trademarks and Medco Pharmacy is a trademark of Medco Health
Solutions, Inc.
© 2010 Medco Health Solutions, Inc. All rights reserved.
Mental Health and Substance
Abuse Treatment – ValueOptions
You and your covered family members are
eligible for mental health and substance
abuse treatment benefits through the Boeing
Helpline administered by ValueOptions.
ValueOptions specializes in managing
treatment for mental health and substance
abuse conditions.
ValueOptions covers mental health and
substance abuse treatment services that are
deemed clinically appropriate and medically
necessary. You will receive a higher level of
benefit by using a provider contracted
with ValueOptions.
Boeing also offers an Employee Assistance
Program to employees, retirees covered by
company-paid COBRA coverage, and their
families. See page 30 for details.
Contacting ValueOptions
Call ValueOptions at 800-892-1411 24 hours a day,
seven days a week to speak with a licensed mental health
clinician for assessment and referral to network providers.
The clinician can help you sort things out and will
collaborate with you on a workable plan of action.
This confidential resource can help you with:
s
Feelings of depression, stress or anxiety
s
Assessment and treatment for substance
abuse problems
s
Referrals for therapy
The ValueOptions network of health care providers includes
psychiatrists, psychologists, psychiatric nurses and master’slevel counselors. They specialize in mental health issues such
as depression, stress, substance abuse and anxiety, and offer
services at convenient times and locations.
On the Web, log in to www.valueoptions.com and select the
Member icon to register for Member Connect, an online tool
you can use to check benefits and status of authorizations
and claims payment, find an in-network provider, or link to
the Achieve Solutions website. You can also go directly to
www.valueoptions.com/boeing to view ValueOptions provider
network listings.
Filing a claim
If you use an in-network provider, your claims will be
submitted for you by your provider. Member-submitted
claims for mental health and substance abuse services
can be mailed to:
ValueOptions
P.O. Box 1290
Latham, NY 12110
888-802-8776
23
Vision – VSP
VSP provides personalized vision care for you
and your covered dependents. You can choose
from a broad selection of VSP doctors, but
if your doctor isn’t in our network, you can
choose to see a non-VSP provider.
VSP providers
Non-VSP providers
To find a VSP provider, log in to www.vsp.com or call
800-877-7195 and we’ll help you find a provider who is
right for you. When you make your appointment, tell them
you have VSP. Check your coverage on www.vsp.com before
you go so you have a clear idea of what’s covered. Your VSP
provider will submit claims for you. Benefits include:
If you choose to see a non-VSP provider, you may need to
file your own claim for reimbursement.
s
WellVision Exam® – VSP doctors do more than a
quick eye check. They take their time and look for
eye problems and signs of other health conditions.
s
Choice in eyewear – You can choose from a wide
selection of eyewear.
s
Additional savings – Get discounts on laser vision
correction, contacts and more.
Please note: VSP does not provide vision coverage for Select
Network, Selections or Selections Plus participants. Vision
coverage for these plans is available through BCBSIL. For
more information regarding your vision benefits, please
contact Boeing Member Services at 888-802-8776.
24 www.bcbsil.com/boeing
s
Sign on to www.vsp.com, select Out-of-Network
Reimbursement Form, and follow the instructions.
s
If you don’t have Internet access, you can send the
following to VSP:
- Itemized receipt listing services received
- Name, address and phone number of the
non-VSP provider
- Patient’s name, date of birth, address, phone
number and relationship to covered member
Be sure to reference Boeing as your employer in
your correspondence.
Submit your claims to VSP within 12 months from the date of
service. Keep copies of the claims and send the originals to:
VSP
P.O. Box 997105
Sacramento, CA 95899-7105
For Your Well Being
Boeing provides a wide range of Well Being programs to support employees’ physical, emotional and financial well-being.
The following pages provide an overview of the programs designed to assist employees in their efforts to build their physical
well-being. Specific offerings may depend on active versus retiree status, union agreements and other factors.
For additional information about Boeing Well Being programs, visit the Well Being Resource Center at
http://wellbeing.web.boeing.com or www.BoeingWellness.com.
The programs described in this section are not administered by Blue Cross and Blue Shield of Illinois. The vendors mentioned
are separate companies that do not provide Blue Cross and Blue Shield of Illinois products or services. These vendors are solely
responsible for the products and services described.
888-802-8776
25
Best Doctors
Second Opinion Program
When you or a covered family member receives a difficult medical diagnosis, Best Doctors can help
you confirm the diagnosis and better understand the treatment options. This free, confidential
service was started by doctors from Harvard Medical School in 1989 and has helped thousands of
people understand their diagnoses and treatment plans. It’s all done over the phone, so you can call
from the privacy of your home.
With your authorization, physicians from the Best Doctors network of highly respected experts
conduct a thorough analysis of your condition based on all of your medical records and test results
and develop a report that you can share with your current treating physician. If necessary, Best
Doctors is also available for follow-up questions.
The following people are eligible to use the Best
Doctors service:
s
U.S.-based Boeing employees eligible to enroll
in a Boeing-sponsored health care plan (whether
enrolled or not)
s
U.S.-based dependents enrolled in a Boeing-sponsored
health care plan, including spouses or eligible
domestic partners and dependent children
s
Retirees and/or their dependents enrolled in a
Boeing-sponsored health care plan, provided
they are not covered by Medicare
Exceptions include:
s
Employees of Boeing subsidiaries that sponsor their
own health plans
s
International locally hired employees
s
Retirees who pay the full cost for their retiree
medical plan
26 www.bcbsil.com/boeing
Contact Best Doctors
For more information, or to use the service, use your BEMS
ID (or Social Security number) and password to call Boeing
TotalAccess at 866-473-2016. At the prompt, say, “Best
Doctors.” You will be connected to a Member Advocate who
will speak with you about your diagnosis and treatment plan.
Your Member Advocate will take
your complete medical history
and answer any questions
you may have. All calls
are confidential.
OptumHealth
OptumHealth provides employees and their
eligible dependents with just one place to call,
through Boeing TotalAccess, for assistance in
managing many aspects of their health and
well-being. The services are brought to you
as part of your benefits and are voluntary,
confidential and offered at no cost to you.
These services are complementary to, but not
a substitute for, a doctor’s care.
The following services are available to U.S. employees only,
unless otherwise noted:
s
NurseLineSM: Employees can contact the OptumHealth
NurseLine to speak with an experienced registered
nurse around the clock for information about
symptoms and health conditions.
s
Health Coaching: Employees can call anytime and
access the service they need – from help developing
healthier eating habits to fitting more physical activity
into their schedules. Programs include interventions
from a registered dietician, typically five coaching
calls and unlimited inbound calls. In addition, new
programs have been added that address lifestyle
issues relevant to heart disease and diabetes.
s
Healthy Weight Program: Whether you want to
maintain a healthy weight, lose weight or need
support before surgical treatments for obesity, this
comprehensive, six-month program lets you work
with a coach and a registered dietician through up
to 10 scheduled calls (and unlimited inbound calls)
and have access to online tools and resources. If you
have co-existing conditions (e.g., diabetes or heart
health issues), the health coach will work with you
to build a successful weight loss plan and put you in
touch with a registered nurse if appropriate.
s
Treatment Decision Support: Treatment Decision Support
nurses are trained in specific conditions, including back
pain, knee and hip replacement, benign prostate disease,
prostate cancer, benign uterine conditions, hysterectomy,
breast cancer, coronary disease and bariatric surgery. The
nurses will help employees understand their treatment
options and help them make the choices that are right
for them.
s
Condition Management: With this service, if employees
have conditions such as asthma, coronary artery disease,
diabetes, chronic obstructive pulmonary disease, heart
failure or back pain, a registered nurse may contact
them by phone. The nurse can help them manage their
conditions, answer their questions, work with their
doctors and more.
s
Case Management: This service is designed to help those
with serious conditions such as kidney disease. It also can
help if an employee or eligible family member experiences
a significant health event such as stroke or heart attack.
s
Newsletter: Well Being News is sent to U.S. employees’
homes monthly and is available to U.S. employees on
international assignments electronically via
www.BoeingWellness.com. This magazine-style
newsletter contains informative articles about all aspects
of physical, emotional and financial well-being, and includes
details about Boeing Well Being events and activities.
continued
888-802-8776
27
OptumHealth
continued
About OptumHealth
OptumHealth is a health and well-being company that
designs and operates programs to help individuals get – and
stay – healthy. It also helps those facing an illness better
cope with diagnosis and treatment. OptumHealth’s mission
is to optimize the health and well-being of individuals
and organizations through integrated, personally relevant
guidance, technology and services.
Outreach and privacy
OptumHealth may contact employees and their eligible
dependents if their recent health insurance claims or
the results from their health screenings or online health
assessments indicate that they could be helped by one or
more of these wellness services.
As an external provider, OptumHealth keeps employees’
personal health information private and strictly confidential
in accordance with the Health Insurance Portability and
Accountability Act (HIPAA). Please be assured that your
health information will never be released to Boeing or any
unauthorized entity unless required or permitted by law.
28 www.bcbsil.com/boeing
OptumHealth uses evidence-based medicine, technology
and specially trained nurses to identify an individual’s health
needs, make referrals to appropriate resources and close
gaps in care. OptumHealth delivers an integrated, cohesive
approach to managing the health of each individual – based
on individual needs. Serving nearly 60 million people,
OptumHealth is one of the nation’s largest health and
well-being companies. OptumHealth customers include
80 companies on the Fortune 100 list.
Contact OptumHealth
Employees and their eligible dependents can request
assistance from OptumHealth at any time. Use your BEMS
ID (or Social Security Number) and password to call Boeing
TotalAccess at 866-473-2016. At the prompt, say, “Wellness.”
Quit For Life
The Quit For Life Program is available to all Boeing employees and their eligible family members
enrolled in a Boeing health plan. With the Quit For Life Program, your chances of quitting tobacco
n yyou
ourr ow
own.
n. The
The con
cconfidential
onfid
fiden
enti
tial
al
are eight times greater than trying to quit on
your
coaching program helps you set a quit date,, prepare for that date and
stay on track once you do quit. You will get as much or as little help
as you need.
The Quit For Life Program offers:
s
One-on-one phone-based coaching with a professional
fessional
Quit Coach.
s
Free nicotine replacement therapy (such as a patch
atch
or gum) if it’s part of your personalized quit plan.
n.
s
Combination therapy, a new program feature that
hat
involves combining the use of gum and the
nicotine patch. Studies show that combination
therapy increases the chances of quitting by
at least 30 percent with no increased risk of
serious side effects.
s
Access to Web Coach, which integrates with
your phone-based coach to provide a more
effective quitting experience. Web Coach also
offers discussion forums with Quit Coaches
and others for support while you quit.
s
Weight Calls to help participants limit the amount
unt of weight
they gain after quitting. You can receive up to three
hree sessions
of 20 to 30 minutes each with a Weight Coach in conjunction
with your regularly scheduled tobacco calls.
To learn more or to get started, visit https://www.quitnow.net/Boeing
w.net/Boeing
or call 866-QUIT-4-LIFE (866-784-8454).
29
Other Programs
Health assessment
Employee Assistance Program
Offered each fall, the online Health Assessment provides
an opportunity for Boeing employees and their spouses and
eligible domestic partners to identify their health risks and
learn about the programs, tools and resources available to
help manage their health.
The Employee Assistance Program (EAP) is available 24/7
to Boeing employees, retirees covered by company-paid
COBRA coverage, and their families. The EAP provides
confidential help to you and your family members when
you have a personal issue. EAP counselors are licensed
clinical professionals who listen, help you sort things out
and develop a workable plan. Your EAP counselor may work
with you directly or refer you to another professional in your
community for counseling, resources or specialized treatment.
Health screenings
Boeing sponsors free and confidential onsite health
screenings at most U.S. locations each summer for
U.S.-based Boeing employees and U.S.-based subsidiary
employees who are eligible for or enrolled in a Boeing health
plan. Screenings can be the best way to detect potential
problems in the early stages in people who may not have, or
recognize, symptoms of disease.
Flu shot program
Boeing sponsors a flu shot program each fall at most U.S.
sites that provides free flu shots to employees at worksites
across the United States.
30 www.bcbsil.com/boeing
In the United States, you can talk with an experienced
professional by calling toll free 866-719-5788. U.S. employees
on international assignments can reach the international
EAP by calling Canada collect at +1-905-270-7658.
For online resources, visit the Achieve Solutions website at
www.achievesolutions.net/boeing.
Family care resources
This program provides free, confidential referral services for
U.S. Boeing employees, retirees, and their families, helping
them find a variety of services to make life more manageable.
Referrals are provided for elder care services, child parenting
support, chronic condition support services, educational
resources, convenience services and domestic relocation.
For more information, call 800-985-6895 or visit
www.liveandworkwell-boeing.com.
888-802-8776
www.bcbsil.com/boeing
A Division of Health Care Service Corporation, a Mutual Legal Reserve Company, an Independent Licensee of the Blue Cross and Blue Shield Association
22982.1110