The medical plans described here are administered by Blue Cross and Blue Shield of Illinois. This guide is intended only for retirees and dependents not covered by Medicare. If you are covered by Medicare, view information about your benefits on Your Benefits Resources. Health Care Plan User’s Guide What would you like to do? This guide is designed to help you get the most from your health plan. It also features resources to support you and your overall well-being. Boeing offers a variety of other helpful resources, and this guide explains when and how to access them. Click through it like a website, or read it page by page. uFind help fast in the directory uUse your preventive care uChoose a medical provider uFill a prescription Access this User’s Guide on your smartphone or tablet. Get it now by visiting www.boeingretireehealth.com. uGet immediate care uAddress a medical condition uKnow about your vision benefits uPay for care uLearn how to save time and money uKey terms Start u Health Care Plan User’s Guide Find help fast in the directory Resource Phone number Web address Plan/Account Administrator Blue Cross and Blue Shield of Illinois 888-802-8776 www.bcbsil.com/boeing Express Scripts® (prescription drug and pharmacy network manager) 800-841-2797 www.express-scripts.com/boeing ValueOptions (mental health and substance abuse benefit provider) 800-892-1411 www.valueoptions.com/boeing Vision Service Plan* (VSP) 800-877-7195 www.vsp.com Blue Access for MembersSM 888-802-8776 www.bcbsil.com/boeing BlueCard® PPO and BlueCard Worldwide® (benefits while you travel) BlueCard PPO — ­ 888-802-8776 www.bcbsil.com/boeing Carena** — Urgent Care at Home 855-935-WELL (9355) www.boeing.carenamd.com Cleveland Clinic Specialty Program*** (the nation’s leading heart care specialists) 877-230-0988 www.clevelandclinic.org/boeing Getting Care What would you like to do? uFind help fast in the directory uUse your preventive care uChoose a medical provider uFill a prescription uGet immediate care BlueCard Worldwide — 800-810-BLUE (2583) or 804-673-1177 (collect) *Vision benefits vary by plan and populations. Some retirees do not have vision coverage. For more information regarding available vision benefits, please contact Boeing Member Services at 888-802-8776. uAddress a medical condition uKnow about your vision benefits uPay for care uLearn how to save time and money uKey terms t Home **Urgent Care at Home is available to nonunion Boeing employees and employees represented by SPIU, IAM 837, IUOE 286W, EAST 1553, IUOE 286PP, IUOE 501W and IAM 751 (along with pre-65 retirees in all groups) and their covered spouses or domestic partners and dependents (a) whose home address is on file with Boeing in certain areas of California, Illinois, Missouri or Washington and (b) who are enrolled in an eligible medical plan administered by Blue Cross and Blue Shield of Illinois. ***The Cleveland Clinic Specialty Program is available to the following groups: nonunion, SPIU, IAM 751, IUOE 286W, EAST 1553, IUOE 286PP in Puget Sound, IUOE 501W, IAM 2766 and SPEEA WEU. 2 Continued u❙ Health Care Plan User’s Guide Find help fast in the directory – continued Resource Phone number Web address 24/7 NurselineSM (get quick answers to questions about minor medical conditions) 800-765-7298 www.bcbsil.com/boeing/care_ management/nurseline.html Primary Nurse Program (talk to a nurse to get help managing a major or ongoing health condition) 888-802-8776 and ask to speak with a Primary Nurse http://www.bcbsil.com/boeing/care_ management/primary_nurse.html Best Doctors ® Second Opinion Service and Treatment Decision Support 866-473-2016 and, when prompted, say, “Best Doctors” N/A Blue Distinction® Centers of Excellence 888-802-8776 www.bcbsil.com/boeing/ doctorshospitals/bluedistinction.html Benefit Summary N/A www.bcbsil.com/boeing and click 2014 Benefits to access your benefit summary Boeing Health and Insurance Service Center through Boeing TotalAccess 866-473-2016 and, when prompted, enter your BEMSID and follow the prompts Log on to www.boeing.com/express with your BEMSID and TotalAccess password, click My Health & Insurance Getting Care Plan Details What would you like to do? uFind help fast in the directory uUse your preventive care uChoose a medical provider uFill a prescription uGet immediate care uAddress a medical condition uKnow about your vision benefits uPay for care uLearn how to save time and money uKey terms t Home 3 Next page u❙ Health Care Plan User’s Guide Use your preventive care Preventive care helps identify potential health risks early when they are easier and less costly to treat. n Use a network doctor. Choose one using the Provider Finder® tool on the Blue Cross and Blue Shield of Illinois website. Providers move in and out of networks periodically and some network providers listed in the Provider Finder tool may not be covered providers under the plan. Before you receive services, confirm with your provider or the service representative that your provider participates in the plan’s network and is a covered provider under the plan. n Know what’s covered. Network preventive care services, such as physical examinations, related laboratory and X-rays, Pap tests, mammograms, prostate and colorectal (including colonoscopy) screenings, and immunizations, are covered at 100 percent (subject to certain age-appropriate and frequency guidelines). To see what else is covered, click here and scroll down to select your benefit summary. What would you like to do? Quick Question: What if I get billed for preventive care? uFind help fast in the directory uUse your preventive care uChoose a medical provider uFill a prescription uGet immediate care uAddress a medical condition uKnow about your vision benefits uPay for care uLearn how to save time and money uKey terms t Home 4 Next page u❙ Health Care Plan User’s Guide Choose a medical provider Taking a few steps — like choosing the right doctor and understanding what you’ll pay — can help you get the most from your plan. Choose the right doctor The Blue Cross and Blue Shield of Illinois website has tools to help you make smart choices, such as: What would you like to do? uFind help fast in the directory n Does the doctor participate in the network? Use the Blue Cross and Blue Shield of Illinois Provider Finder tool. n What will the doctor charge for a service? Treatment costs vary by location, provider type and more (even network doctors working in different parts of town may charge different amounts). For many procedures, you can find out in advance what you may be expected to pay using the Cost Estimator tool. Just select Estimate Treatment Costs to begin. n Does the doctor provide quality care? Visit the Blue Cross and Blue Shield of Illinois website and click Hospital Quality or Physician Quality to read about resources available to assess the quality of care you receive. uUse your preventive care uChoose a medical provider If your doctor’s office is closed, there uFill a prescription are other around-the-clock resources uGet immediate care available. Turn to Get immediate care to learn more. uAddress a medical condition uKnow about your vision benefits uPay for care uLearn how to save time and money Quick Question: How do I find a provider when traveling? uKey terms t Home 5 Next page u❙ Health Care Plan User’s Guide Fill a prescription Your comprehensive coverage includes two options for filling a prescription*: n When you need it immediately: Retail 1. Find a participating Express Scripts pharmacy. 2. Present your prescription drug card when picking up your prescription. 3. Pay for your prescription at the pharmacy. To see the amount you’ll pay, click here, follow the prompts, then click Summary of Prescription Drug Benefits. n What would you like to do? For drugs you take regularly: Mail order – This convenient, money-saving service gives you up to a 90-day supply at a reduced cost compared to the price at a retail pharmacy. – Get started using mail order. – Once you’ve received your first prescription through mail order, you can refill and renew your prescriptions, as well as receive free standard shipping. Quick Question: How can I compare the cost of prescription drugs from a retail pharmacy versus mail order? uFind help fast in the directory uUse your preventive care uChoose a medical provider uFill a prescription uGet immediate care Smart Consumer: Save on prescriptions. uAddress a medical condition uKnow about your vision benefits uPay for care uLearn how to save time and money uKey terms t Home *Certain plan provisions may apply to your specific prescription drug. To view your plan summary, click here, follow the prompts, then click Summary of Prescription Drug Benefits. 6 Next page u❙ Health Care Plan User’s Guide Get immediate care Know where to go n n Not sure whether to go to the If this is an emergency: Life-threatening emergencies are best handled by your local emergency room or emergency medical services (dial 911 in most areas). emergency room, urgent care or If this isn’t an emergency (but you need care right away), you have options: Nurseline at 800-765-7298. – Call your network doctor to see if you can schedule an immediate or after-hours appointment. doctor’s office? A registered nurse can help. Call the Blue Cross and Blue Shield of Illinois 24/7 The service is free and nurses are available 24/7. – Visit a network urgent care center. Go to the Blue Cross and Blue Shield of Illinois Provider Finder tool and select Find an Urgent Care Center. What would you like to do? – Contact Urgent Care at Home. Administered by Carena, this service provides access to medical care for urgent, non-work-related medical issues by boardcertified physicians and nurse practitioners by: uFind help fast in the directory n Phone uUse your preventive care n Webcam, or uChoose a medical provider n House call. To access care, or to confirm eligibility and services available in your area, contact Urgent Care at Home at 855-935-WELL (9355)*. uFill a prescription uGet immediate care uAddress a medical condition uKnow about your vision benefits Quick Question: What is an urgent care center? Smart Consumer: Compare emergency room, urgent care and doctor’s office costs. uPay for care uLearn how to save time and money uKey terms t Home *Urgent Care at Home is available to nonunion Boeing employees and employees represented by SPIU, IAM 837, IUOE 286W, EAST 1553, IUOE 286PP, IUOE 501W and IAM 751 (along with pre-65 retirees in all groups) and their covered spouses or domestic partners and dependents (a) whose home address is on file with Boeing in certain areas of California, Illinois, Missouri or Washington and (b) who are enrolled in an eligible medical plan administered by Blue Cross and Blue Shield of Illinois. 7 Next page u❙ Health Care Plan User’s Guide Address a medical condition If you or a family member experiences a major health event or has a serious disease or chronic condition, it’s important to know you’ve got support beyond your personal doctor or specialist: n Confirm a complex medical diagnosis or make an informed decision about your care alternatives. The Best Doctors Second Opinion Service and Treatment Decision Support can help confirm a difficult medical diagnosis and clarify treatment options. Call Boeing TotalAccess at 866-473-2016 and say, “Best Doctors.” n Receive ongoing support from a nurse. If you have a condition like asthma or diabetes, or if you’ve had a major health event like a heart attack or stroke, you can speak with a nurse by phone, who will address your health concerns by working with you, your physician and caregivers. Your nurse can provide: − Education to help you manage your health care needs. − Enhanced, coordinated communication with your physician. What would you like to do? − Help in transitioning your care from the hospital to your home. uFind help fast in the directory − Help in understanding possible medication side effects and safety issues. uUse your preventive care − Support in improving your health and quality of life. uChoose a medical provider For details, call Blue Cross and Blue Shield of Illinois at 800-765-7298 and ask to speak with a Primary Nurse. uFill a prescription uGet immediate care uAddress a medical condition uKnow about your vision benefits uPay for care uLearn how to save time and money uKey terms t Home 8 Continued u❙ Health Care Plan User’s Guide Address a medical condition – continued n Find specialty health care. In some cases, your doctor or specialist may not have the expertise to provide specialty procedures, such as transplants or open heart surgery. If that happens, you can get additional support: − Blue Distinction Centers of Excellence. Blue Distinction is a designation awarded to hospitals and other medical facilities that have been recognized for delivering better overall care for certain high-volume, high-risk and high-cost areas of specialty care. Learn more. − Cleveland Clinic Specialty Program. If you need a nonemergent cardiac procedure, you may be able to receive care at one of the nation’s leading cardiovascular hospitals. Qualified patients receive personalized care from a highly regarded medical team, resulting in higher satisfaction with results. The program is voluntary and separate from your health care plan coverage. Most travel and lodging expenses for the patient and companion are covered*. Call 877-230-0988 for more information or click here. What would you like to do? uFind help fast in the directory Quick Question: The cost for a procedure or service is about the same no matter where I go, right? uUse your preventive care uChoose a medical provider uFill a prescription uGet immediate care uAddress a medical condition Smart Consumer: Know your limits. uKnow about your vision benefits uPay for care uLearn how to save time and money uKey terms t Home *The Cleveland Clinic Specialty Program is available to the following groups: nonunion, SPIU, IAM 751, IUOE 286W, EAST 1553, IUOE 286PP in Puget Sound, IUOE 501W, IAM 2766 and SPEEA WEU. 9 Next page u❙ Health Care Plan User’s Guide Know about your vision benefits Vision benefits Plans that offer vision benefits give you access to vision care services and hardware, including: n Examination of visual function — an important aspect of preventive care to protect your eyes and avoid serious problems. n Frames and prescription lenses. n Contacts instead of conventional lenses and frames. The vision care program is administered by Vision Service Plan (VSP). Network providers will bill VSP for you; if you choose a nonnetwork provider, you’ll need to submit a claim for reimbursement. To find VSP providers and see your vision benefits, click here. Note: Vision benefits vary by plan and populations. Some retirees do not have vision coverage. For more information regarding available vision benefits, please contact Boeing Member Services at 888-802-8776. What would you like to do? uFind help fast in the directory uUse your preventive care uChoose a medical provider uFill a prescription Quick Question: Do I need a vision ID card? uGet immediate care uAddress a medical condition uKnow about your vision benefits uPay for care uLearn how to save time and money uKey terms t Home 10 Next page u❙ Health Care Plan User’s Guide Pay for care Know when and how to pay for your health care — these steps make it easy: At an appointment? 1. Show your medical ID card when checking in. Some plans require a copayment at the time of service. For other plans, your provider will send a claim to Blue Cross and Blue Shield of Illinois. 2. Review your explanation of benefits. Once your claim is processed, you’ll receive an explanation of benefits from Blue Cross and Blue Shield of Illinois. It will show what the plan paid and what you need to pay, if anything. Make sure all services are listed correctly and match the copy of the bill you received from your provider. Filling a prescription? When purchasing from a retail pharmacy, you’ll pay your share of the cost at the counter. For mail-order purchases, you’ll have the option to pay through the Express Scripts website. What would you like to do? Certain plan provisions may apply to your specific prescription drug. To view your plan summary, click here, enter your information, then click Summary of Prescription Drug Benefits. uFind help fast in the directory uUse your preventive care uChoose a medical provider uFill a prescription Smart Consumer: Register for Blue Access. uGet immediate care uAddress a medical condition uKnow about your vision benefits Quick Question: What do I pay for care? uPay for care uLearn how to save time and money uKey terms t Home 11 Next page u❙ Health Care Plan User’s Guide Learn how to save time and money Get this guide to go: www.boeingretireehealth.com Access a mobile version of this guide from your smartphone or tablet, for convenient use when you’re at the doctor’s office, pharmacy or away from home or work. Register for Blue Access for Members: www.bcbsil.com/boeing Manage your claims, get personalized information, review explanations of benefits, send a secure email to Member Services and more. Use tools from Express Scripts: www.express-scripts.com/boeing n Download a free app to get a mobile ID card, set up a reminder schedule for taking medications, get information about prescription drugs and locate a pharmacy. n Save money on medications you take regularly by using the mail-order program instead of a retail pharmacy. What would you like to do? uFind help fast in the directory uUse your preventive care uChoose a medical provider uFill a prescription uGet immediate care uAddress a medical condition uKnow about your vision benefits uPay for care uLearn how to save time and money uKey terms t Home 12 Next page u❙ Key terms Annual deductible (if applicable): The amount you or a covered family member pays for covered care each year before the plan pays benefits. The deductible does not apply to certain types of medical care, such as preventive care. Annual out-of-pocket maximum (if applicable): The accumulated amount you or a covered family member pays — such as deductibles, coinsurance and certain copayments — in a benefit year. Coinsurance: A percentage you or a covered family member pays for covered services, after any annual deductible has been satisfied. Copayment: A fixed dollar amount you or a covered family member pays for covered services at the time of service. Drug formulary: A list of medications that are: n Approved by the FDA. n Determined effective in treatment and cost. n Manufactured by major drug companies. An independent group of practicing physicians and pharmacists developed the formulary and reviews it routinely. When clinical data show that several drugs are equally effective, the most cost-effective drug usually is chosen. A nonformulary drug also may be effective for treatment, but it is not as cost-effective as formulary or generic prescription drugs. Explanation of benefits: A statement sent by your health care plan once the plan has processed your claim. It explains what your plan paid and what you owe for any services and/or supplies you received. Generic and brand-name drugs: Drugs that are chemically and therapeutically equivalent, which means they produce the same effect on the body. Both types of drugs are approved by the FDA and must meet the same safety and reliability standards. The name of a generic drug is its chemical name. Brand-name drugs are known by their trade names. Network provider: A provider that agrees to participate in a plan’s network and charge reduced fees to plan participants. The plan pays a higher level of benefits for eligible expenses received from network providers. Preventive care benefits and prescription drugs: Certain services — such as routine physicals, well baby care, mammograms and other preventive early detection testing — are covered at 100 percent without the deductible requirement when you use network providers (subject to age-appropriate and other guidelines under the Affordable Care Act). Certain contraceptives are covered at 100 percent in all plans. Every effort has been made to provide an accurate summary of your compensation and benefits in this document. The material provided here about company policies, procedures, and benefits is for informational purposes only; it does not constitute a contract or contractual obligation. Certain eligibility provisions apply to each of the programs, policies, and benefits; not all of these provisions are described here. In the event of a conflict between this document and any of the benefit plans, the terms of the plans will control. Copies of official plan documents are available by written request through the “Contact TotalAccess” form on the Boeing TotalAccess website. The Boeing Company reserves the right to change, modify, amend, or terminate any or all of the provisions of the plans at any time and for any reason for employees, former employees, retirees, and their dependents and/or beneficiaries. Copyright © 2014 Boeing. All rights reserved. 256743 2014-306 03AE-306 t Home