10-ATTACHMENT J - BCBS Summary of Benefits and Coverage - Blue Essentials HMO.pdf

Summary of Benefits and Coverage: What this Plan Covers & What You Pay for Covered Services Coverage Period: 01/01/2025 – 12/31/2025 Austin ISD: Blue Essentials HMO Coverage for: Individual + Family | Plan Type: HMO

The Summary of Benefits and Coverage (SBC) document will help you choose a health plan. The SBC shows you how you and the plan would share the cost for covered health care services. NOTE: Information about the cost of this plan (called the premium) will be provided separately.

This is only a summary. For more information about your coverage, or to get a copy of the complete terms of coverage, call 1-877-299-2377 or at www.bcbstx.com. For general definitions of common terms, such as allowed amount, balance billing, coinsurance, copayment, deductible, provider, or other underlined terms, see the Glossary. You can view the Glossary at www.healthcare.gov/sbc-glossary/ or call 1-855-756-4448 to request a copy.

Important Questions Answers Why This Matters:

What is the overall deductible?

$1,600 Individual / $3,200 Family

Generally, you must pay all of the costs from providers up to the deductible amount before this plan begins to pay. If you have other family members on the plan, each family member must meet their own individual deductible until the total amount of deductible expenses paid by all family members meets the overall family deductible.

Are there services covered before you meet your deductible?

Yes. In-Network preventive care, services that charge a copayment, and prescription drugs are covered before you meet your deductible.

This plan covers some items and services even if you haven’t yet met the deductible amount. But a copayment or coinsurance may apply. For example, this plan covers certain preventive services without cost sharing and before you meet your deductible. See a list of covered preventive services at www.healthcare.gov/coverage/preventive-care-benefits/.

Are there other deductibles for specific services?

No. You don’t have to meet deductibles for specific services.

What is the out-of-pocket limit for this plan?

$4,500 Individual / $9,000 Family The out-of-pocket limit is the most you could pay in a year for covered services.

If you have other family members in this plan, they have to meet their own out-of-pocket limits until the overall family out-of-pocket limit has been met.

What is not included in the out-of-pocket limit?

Premiums, balance-billing 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.

Will you pay less if you use a network provider?

Yes. See www.bcbstx.com or call 1-800-810-2583 for a list of network providers.

This plan uses a provider network. You will pay less if you use a provider in the plan’s network. You will pay the most if you use an out-of-network provider, and you might receive a bill from a provider for the difference between the provider’s charge and what your plan pays (balance billing). Be aware, your network provider might use an out-of-network provider for some services (such as lab work). Check with your provider before you get services.

Do you need a referral to see a specialist?

Yes.

This plan will pay some or all of the costs to see a specialist for covered services but only if you have a referral before you see the specialist.

http://www.bcbstx.com/ http://www.healthcare.gov/sbc-glossary/ http://www.healthcare.gov/coverage/preventive-care-benefits/

* For more information about limitations and exceptions, see the plan or policy document at www.bcbstx.com.

All copayment and coinsurance costs shown in this chart are after your deductible has been met, if a deductible applies.

Common Medical Event

Services You May Need

What You Will Pay Limitations, Exceptions, & Other

Important Information In-Network Provider

(You will pay the least) Out-of-Network Provider (You will pay the most)

If you visit a health care provider’s office or clinic

Primary care visit to treat an injury or illness

$35 copayment/visit;

deductible does not apply

Not Covered Virtual visits are available, please refer to your plan policy for more details.

Specialist visit $50 copayment/visit;

deductible does not apply

Not Covered Referral required.

Preventive care/screening/immunization

No Charge;

deductible does not apply

Not Covered

You may have to pay for services that aren’t preventive. Ask your provider if the services needed are preventive. Then check what your plan will pay for.

If you have a test Diagnostic test (x-ray, blood work) 20% coinsurance Not Covered None

Imaging (CT/PET scans, MRIs) 20% coinsurance Not Covered None

If you need drugs to treat your illness or condition

More information about prescription drug coverage is available at www.bcbstx.com

Generic drugs $10 retail/$25 mail order copayment/prescription;

deductible does not apply

Not Covered Retail covers a 30-day supply. With appropriate prescription, up to a 90-day supply is available. Mail order covers a 90-day supply.

Payment of the difference between the cost of a brand name drug and a generic may be required if a generic drug is available.

Preferred brand drugs $55 retail/$137.50 mail order copayment/prescription;

deductible does not apply

Not Covered

Non-preferred brand drugs $75 retail/$187.50 mail order copayment/prescription;

deductible does not apply

Not Covered

Specialty drugs

$10 generic/$55 preferred/$75 non-preferred copayment/prescription;

deductible does not apply

Not Covered

Specialty drugs must be obtained from In-Network specialty pharmacy provider.

Specialty retail limited to a 30-day supply.

Mail order is not covered.

* For more information about limitations and exceptions, see the plan or policy document at www.bcbstx.com.

Medical Event

Services You May Need

What You Will Pay Limitations, Exceptions, & Other

Important Information In-Network Provider

(You will pay the least) Out-of-Network Provider (You will pay the most)

If you have outpatient surgery

Facility fee (e.g., ambulatory surgery center)

20% coinsurance Not Covered None

Physician/surgeon fees 20% coinsurance Not Covered None

If you need immediate medical attention

Emergency room care

Facility Charges:

$500 copayment/visit ER Physician Charges:

20% coinsurance

Facility Charges:

$500 copayment/visit ER Physician Charges:

20% coinsurance

Emergency room copayment waived if admitted.

Emergency medical transportation 20% coinsurance 20% coinsurance Ground and air transportation covered.

Urgent care $50 copayment/visit;

deductible does not apply

Not Covered None

If you have a hospital stay

Facility fee (e.g., hospital room) $500 copayment/admission plus 20% coinsurance

Not Covered None

Physician/surgeon fees 20% coinsurance Not Covered None

If you need mental health, behavioral health, or substance abuse services

Outpatient services

$35 copayment/office visit;

deductible does not apply 20% coinsurance for other outpatient services

Not Covered

Certain services must be preauthorized;

refer to your benefit booklet* for details.

Virtual visits are available, please refer to your plan policy for more details.

Inpatient services $500 copayment/admission plus 20% coinsurance

Not Covered None

If you are pregnant

Office visits $35 copayment PCP/ $50 copayment SPC;

deductible does not apply

Not Covered Copayment applies to first prenatal visit (per pregnancy).

Cost sharing does not apply for preventive services. Depending on the type of services, a copayment, coinsurance, or deductible may apply. Maternity care may include tests and services described elsewhere in the SBC (i.e. ultrasound).

Childbirth/delivery professional services

20% coinsurance Not Covered

Childbirth/delivery facility services $500 copayment/admission plus 20% coinsurance Not Covered None

* For more information about limitations and exceptions, see the plan or policy document at www.bcbstx.com.

Medical Event

Services You May Need

What You Will Pay Limitations, Exceptions, & Other

Important Information In-Network Provider

(You will pay the least) Out-of-Network Provider (You will pay the most)

If you need help recovering or have other special health needs

Home health care 20% coinsurance Not Covered Limited to 60 visits per calendar year.

Rehabilitation services

$35 copayment PCP/ $50 copayment SPC;

deductible does not apply

20% coinsurance for other outpatient services and inpatient services

Not Covered

Limited to 60 visits combined for all therapies per calendar year.

Habilitation services

$35 copayment PCP/ $50 copayment SPC;

deductible does not apply 20% coinsurance for other outpatient services and inpatient services

Not Covered

Skilled nursing care 20% coinsurance Not Covered Limited to 60 days per calendar year.

Preauthorization is required.

Durable medical equipment 20% coinsurance Not Covered None

Hospice services $500 copayment/admission;

deductible does not apply

Not Covered None

If your child needs dental or eye care

Children’s eye exam $35 copayment PCP/ $50 copayment SPC;

deductible does not apply

Not Covered None

Children’s glasses Not Covered Not Covered None

Children’s dental check-up Not Covered Not Covered None

Excluded Services & Other Covered Services:

Services Your Plan Generally Does NOT Cover (Check your policy or plan document for more information and a list of any other excluded services.)

• Acupuncture

• Long-term care

• Non-emergency care when traveling outside the U.S.

• Private-duty nursing

• Routine foot care

• Weight loss programs

Other Covered Services (Limitations may apply to these services. This isn’t a complete list. Please see your plan document.)

• Bariatric surgery

• Chiropractic care (60 visits per year)

• Cosmetic surgery (limited coverage)

• Dental care (Adult, limited coverage)

• Hearing aids (1 per ear per 36-month period)

• Infertility treatment (limited to $50,000 per lifetime)

• Routine eye care (Adult)

Your Rights to Continue Coverage: There are agencies that can help if you want to continue your coverage after it ends. The contact information for those agencies is: For group health coverage contact the plan, Blue Cross and Blue Shield of Texas at 1-877-299-2377 or visit www.bcbstx.com. For group health coverage subject to ERISA, contact the U.S. Department of Labor’s Employee Benefits Security Administration at 1-866-444-EBSA (3272) or www.dol.gov/ebsa/healthreform.

For non-federal governmental group health plans, contact Department of Health and Human Services, Center for Consumer Information and Insurance Oversight, at 1-877-267-2323 x61565 or www.cciio.cms.gov. Church plans are not covered by the Federal COBRA continuation coverage rules. If the coverage is insured, individuals should contact their State insurance regulator regarding their possible rights to continuation coverage under State law. Other coverage options may be available to you too, including buying individual insurance coverage through the Health Insurance Marketplace. For more information about the Marketplace, visit www.HealthCare.gov or call 1-800-318-2596.

Your Grievance and Appeals Rights: There are agencies that can help if you have a complaint against your plan for a denial of a claim. This complaint is called a grievance or appeal. For more information about your rights, look at the explanation of benefits you will receive for that medical claim. Your plan documents also provide complete information to submit a claim, appeal, or a grievance for any reason to your plan. For more information about your rights, this notice, or assistance, contact: For group health coverage subject to ERISA: Blue Cross and Blue Shield of Texas at 1-877-299-2377 or visit www.bcbstx.com, the U.S. Department of

Labor's Employee Benefits Security Administration at 1-866-444-EBSA (3272) or www.dol.gov/ebsa/healthreform, and the Texas Department of Insurance, Consumer

Protection at 1-800-252-3439 or www.tdi.texas.gov. For non-federal governmental group health plans and church plans that are group health plans, Blue Cross and

Blue Shield of Texas at 1-877-299-2377 or www.bcbstx.com or contact the Texas Department of Insurance, Consumer Protection at 1-800-252-3439 or www.tdi.texas.gov. Additionally, a consumer assistance program can help you file your appeal. Contact the Texas Department of Insurance’s Consumer Health

Assistance Program at 1-800-252-3439 or visit www.cms.gov/CCIIO/Resources/Consumer-Assistance-Grants/tx.html.

Does this plan provide Minimum Essential Coverage? Yes Minimum Essential Coverage generally includes plans, health insurance available through the Marketplace or other individual market policies, Medicare, Medicaid, CHIP, TRICARE, and certain other coverage. If you are eligible for certain types of Minimum Essential Coverage, you may not be eligible for the premium tax credit.

Does this plan meet the Minimum Value Standards? Yes If your plan doesn’t meet the Minimum Value Standards, you may be eligible for a premium tax credit to help you pay for a plan through the Marketplace.

Language Access Services:

Spanish (Español): Para obtener asistencia en Español, llame al 1-877-299-2377.

Tagalog (Tagalog): Kung kailangan ninyo ang tulong sa Tagalog tumawag sa 1-877-299-2377.

Chinese (中文): 如果需要中文的帮助，请拨打这个号码 1-877-299-2377.

Navajo (Dine): Dinek'ehgo shika at'ohwol ninisingo, kwiijigo holne' 1-877-299-2377.

To see examples of how this plan might cover costs for a sample medical situation, see the next section.

http://www.dol.gov/ebsa/healthreform http://www.cciio.cms.gov/ http://www.healthcare.gov/ http://www.bcbstx.com/ http://www.dol.gov/ebsa/healthreform http://www.tdi.texas.gov/ http://www.bcbstx.com/ http://www.tdi.texas.gov/ http://www.cms.gov/CCIIO/Resources/Consumer-Assistance-Grants/tx.html

The plan would be responsible for the other costs of these EXAMPLE covered services.

Peg is Having a Baby

(9 months of in-network pre-natal care and a hospital delivery)

Mia’s Simple Fracture

(in-network emergency room visit and follow up care)

Managing Joe’s type 2 Diabetes

(a year of routine in-network care of a well-controlled condition)

◼ The plan’s overall deductible $1,600 ◼ Specialist copayment $50 ◼ Hospital (facility) coinsurance 20% ◼ Other coinsurance 20%

This EXAMPLE event includes services like:

Specialist office visits (prenatal care) Childbirth/Delivery Professional Services Childbirth/Delivery Facility Services Diagnostic tests (ultrasounds and blood work) Specialist visit (anesthesia)

Total Example Cost $12,700

In this example, Peg would pay:

Cost Sharing

Deductibles* $2,100

Copayments $50

Coinsurance $2,100

What isn’t covered

Limits or exclusions $60

The total Peg would pay is $4,310

◼ Hospital (facility) coinsurance 20% ◼ Other coinsurance 20%

This EXAMPLE event includes services like:

Primary care physician office visits (including disease education) Diagnostic tests (blood work) Prescription drugs Durable medical equipment (glucose meter)

Total Example Cost $5,600

In this example, Joe would pay:

Deductibles $900

Copayments $1,200

Coinsurance $0

What isn’t covered

Limits or exclusions $20

The total Joe would pay is $2,120

◼ Hospital (facility) coinsurance 20% ◼ Other coinsurance 20%

This EXAMPLE event includes services like:

Emergency room care (including medical supplies) Diagnostic test (x-ray) Durable medical equipment (crutches) Rehabilitation services (physical therapy)

Total Example Cost $2,800

In this example, Mia would pay:

Deductibles $1,600

Copayments $300

Coinsurance $100

What isn’t covered

Limits or exclusions $0

The total Mia would pay is $2,000

About these Coverage Examples:

This is not a cost estimator. Treatments shown are just examples of how this plan might cover medical care. Your actual costs will be different depending on the actual care you receive, the prices your providers charge, and many other factors. Focus on the cost sharing amounts (deductibles, copayments and coinsurance) and excluded services under the plan. Use this information to compare the portion of costs you might pay under different health plans. Please note these coverage examples are based on self-only coverage.

*Note: This plan has other deductibles for specific services included in this coverage example. See "Are there other deductibles for specific services?” row above.

https://www.healthcare.gov/sbc-glossary/#deductible bcbstx.com