2018 SUMMARY of BENEFITS...2018 SUMMARY of BENEFITS Platinum BlueSM (Cost) and Platinum BlueSM with...
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2018 SUMMARY of BENEFITS Platinum Blue SM (Cost) and Platinum Blue SM with Rx (Cost) Core, Choice and Complete Plans H2461 January 1, 2018 – December 31, 2018 H2461_081417_HH02B CMS Accepted 08/31/2017 i
Transcript of 2018 SUMMARY of BENEFITS...2018 SUMMARY of BENEFITS Platinum BlueSM (Cost) and Platinum BlueSM with...
2018 SUMMARY of BENEFITS Platinum BlueSM (Cost) and Platinum BlueSM with Rx (Cost) Core, Choice and Complete Plans H2461
January 1, 2018 – December 31, 2018
H2461_081417_HH02B CMS Accepted 08/31/2017 i
INTRODUCTION This guide is a summary of the medical and prescription drug benefits covered by Platinum BlueSM
(Cost) and Platinum BlueSM with Rx (Cost) plans . In this booklet, you will find an overview of our plan and pharmacy network, an easy-to-read chart of plan coverage options, and contact information for customer service representatives who can assist you and answer questions .
WHAT’S INCLUDED Frequently Asked Questions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1
Benefit Charts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5
Get Help in Your Language: Multi-Language Interpreter Services . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20
CONTACT US Call us 7 days a week, 8 a .m . to 8 p .m . Central Time .
Members Non-Members
Call toll-free 1-866-340-8654 Call 1-877-662-2583
TTY users call 711
Visit bluecrossmnonline.com
FREQUENTLY ASKED QUESTIONS This booklet gives you a summary of what we cover and what you pay . It doesn’t list every service that we cover or list every limitation or exclusion . To get a complete list of services we cover, call us and ask for the Evidence of Coverage .
WHO CAN ENROLL? You can enroll in Platinum Blue with Rx if you are enrolled in Medicare Part B (or have both Medicare Part A and Medicare Part B) and live in the plan availability area .
During Annual Election Period (AEP)
If you enroll between October 15 – December 7, 2017, you may enroll in a Platinum Blue plan if you live anywhere in Minnesota .
Beginning December 8, 2017
If you enroll on or after December 8, 2017, you may enroll in a Platinum Blue plan if you live in one of the following counties: Aitkin, Carlton, Cook, Goodhue, Itasca, Koochiching, Lake, Le Sueur, Pine, Pipestone, Rice, Rock, Sibley, St . Louis, Stevens, Traverse, Yellow Medicine . Some exceptions may apply . Counties are subject to change . Please contact your agent or Blue Cross for more information .
WHAT DOES THE PLAN COVER? Platinum Blue members get all the benefits covered in Original Medicare . Platinum Blue plans help pay the deductible, copayments and coinsurance Original Medicare doesn’t cover .
Platinum Blue with Rx covers Part D drugs . Both Platinum Blue and Platinum Blue with Rx cover Part B drugs, including chemotherapy and some drugs administered by your provider .
What is the difference between a: ➜➜ Annual physical exam — A yearly preventive
visit with your primary care doctor that includes a discussion about your health, a review of your medical history, screenings, immunizations, and some lab work .
➜➜
➜➜
Welcome to Medicare visit — A one-time preventive visit within the first 12 months of your new Medicare Part B plan . This visit includes a review of your medical history, screenings, vaccinations and a discussion of preventive services available to you that you may need .
Medicare annual wellness visit — An annual visit with your doctor after you’ve been enrolled in Medicare Part B for at least 12 months . This visit includes a review of your medical history, screenings and personalized health advice, and a checklist of appropriate preventive services .
Medicare will pay for a Medicare annual wellness visit and a Welcome to Medicare visit . Your Blue Cross Platinum Blue plan will pay for an annual physical exam .
To see a complete list of your services and benefits, please review your Evidence of Coverage (EOC) . You can find this document online in the Medicare > Resources > Library > Plan Documents section of bluecrossmnonline.com . You also may order a copy by calling member services .
WHICH DOCTORS, HOSPITALS AND PHARMACIES CAN I USE? The Platinum Blue and Platinum Blue with Rx network offers a large list of providers and pharmacies covered under the Platinum Blue plan . You may pay less when you use doctors, hospitals, pharmacies and other providers in this network . You can see the plan’s provider and pharmacy directories at bluecrossmnonline.com . Or, call us and we will send you a copy of the directories .
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When using in-network pharmacies you can typically see lower prices than using out-ofnetwork pharmacies for covered Part D drugs . If you choose to go out of network for services, or outside of your service area, these services will be paid by Original Medicare and your responsibility for cost sharing may be higher .
ARE MY DRUGS COVERED? If you enroll in Platinum Blue with Rx, you will have Part D prescription drug coverage . You can see the complete Formulary (list of Part D prescription drugs) and any restrictions at myprime.com . Or, call us and we will send you a copy of the Formulary
The pharmacy benefits information is provided by Prime Therapeutics LLC, an independent company providing pharmacy benefit management services .
HOW MUCH WILL I NEED TO PAY FOR PRESCRIPTION DRUGS? The amount you pay depends on what tier the drug is in and what benefit stage you have reached . Your costs for each drug tier and benefit stage are shown in the benefit chart later in this summary .
We also offer “preferred” pharmacies within our pharmacy network . These pharmacies have deeper discounted copays and coinsurance on prescription drugs .
You can also save costs when you choose 90-day supplies from certain pharmacies and mail-order pharmacies .
You can find the most updated list of pharmacies in your area at myprime.com
WHAT ARE THE DRUG TIERS? Our plan places a drug into one of six tiers . Check the 2018 Formulary to find out which tier your drug is in .
WHAT ARE THE BENEFIT STAGES? As you spend up to certain dollar amounts on your covered prescription drugs, you will move into different benefit stages .
Stage 1: Meet your deductible This is the amount you must pay each year first for prescriptions before the plan will begin to pay its share of your covered drugs .
Stage 2: Initial coverage Once you’ve met your deductible, you’ll pay a copay or coinsurance until you and your plan have spent $3,750 on covered drugs .
Stage 3: Coverage gap Sometimes known as a “donut hole,” it offers a temporary limit on what your plan will cover for drugs
Stage 4: Catastrophic coverage Once you’ve spent $5,000 out-of-pocket on prescription drugs in a plan year, you will pay a small copay or coinsurance for the rest of the year
ABOUT ORIGINAL MEDICARE AND HOW TO GET BENEFITS You have choices about how to get your Medicare benefits through Original Medicare, a program run directly by the federal government .
You can also choose to get Medicare benefits by joining a Cost plan like Platinum Blue or Platinum Blue with Rx .
If you want to compare our plan with other Medicare health plans, ask the other plans for their Summary of Benefits . Or, use the Medicare Plan Finder on medicare.gov
If you want to know more about the coverage and costs of Original Medicare, look in your 2018 “Medicare & You” handbook or view it online at medicare.gov . Or, request a copy by calling 1-800-MEDICARE (1-800-633-4227) 24 hours a day, 7 days a week . TTY users should call 1-877-486-2048
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HEALTH CARE TERMS AND WHAT THEY MEAN Allowed amount — The contracted rate, or “Blue Cross discount,” set by your plan and providers when you see in-network hospital, clinics or pharmacies . Providers are required to accept the allowed amount as payment in full, and cannot charge above it when you see an in-network provider .
Copay — A set fee you pay for some services and prescriptions . Copays vary by type of service and prescription . In most cases, your copay is due at the time you receive the service or prescription .
Coinsurance — The amount you may pay for some services once you reach your deductible . The cost is a percent of the allowed amount and is set by your plan . The amount you pay for coinsurance will vary if the provider is in-network or out-of-network .
Deductible — A set amount of money you must pay before your plan begins to pay . Usually you will have a separate deductible for Medicare Part A , Part B and Part D .
In-network — The hospitals, clinics and pharmacies that are included in your plan . Typically in-network providers results in lower member costs .
Out-of-pocket costs — The amount you must pay for health care . It includes copays, coinsurance and deductibles, plus any costs for care that is not covered .
Out-of-network — The hospitals, clinics and pharmacies that are not included in your plan . Typically out-of-network providers results in higher member costs .
Out-of-pocket maximum — The most you could pay for covered care in a plan year . Once you reach this amount, your plan will pay 100 percent for in-network covered care .
Premium — The amount you pay each month to be a member of your plan .
Total charge — The amount the provider or pharmacy charges for services before a Blue Cross discount (allowed amount) is applied .
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Platinum Blue Benefits Core Plan Choice Plan Complete Plan
Monthly Premium, Deductible, and Limits on How Much You Pay for Covered Services
How much is the monthly premium?
How much is the deductible?
$29 per month . In addition, you must keep paying your monthly Medicare Part B premium .
This plan does not have a deductible .
$74 per month . In addition, you must keep paying your monthly Medicare Part B premium .
This plan does not have a deductible .
$145 per month . In addition, you must keep paying your monthly Medicare Part B premium .
This plan does not have a deductible .
Platinum Blue with Rx Benefits
Core Plan with Rx
Choice Plan with Rx
Complete Plan with Rx
Monthly Premium, Deductible, and Limits on How Much You Pay for Covered Services
How much is the monthly premium?
How much is the deductible?
$49 .40 per month . In addition, you must keep paying your monthly Medicare Part B premium .
$405
$108 .30 per month . In addition, you must keep paying your monthly Medicare Part B premium .
$405 per year for Part D prescription drugs Tiers 2 – 5 . Tiers 1 and 6 are excluded from the deductible .
$197 .10 per month . In addition, you must keep paying your monthly Medicare Part B premium .
$405 per year for Part D prescription drugs Tiers 2 – 5 . Tiers 1 and 6 are excluded from the deductible .
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Platinum Blue with Rx Benefits
Core Plan with Rx
Choice Plan with Rx
Complete Plan with Rx
Monthly Premium, Deductible, and Limits on How Much You Pay for Covered Services
Is there any limit on how much I will pay for my covered service?
Your yearly out-of-pocket limit(s) in this plan are for services you receive from in-network providers
If you reach the limit on out-of-pocket costs, you will continue to be covered for hospital and medical services and your plan will pay the full cost for the rest of the year . You will still need to pay your monthly premiums .
Is there a limit on how much the plan will pay?
$6,000
There are no limits on how much our plan will pay .
$4,000
Our plan has a yearly limit for certain in-network benefits . Contact us for the services that apply .
Our plan has a yearly limit for certain in-network benefits . Contact us for the services that apply .
$4,000
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Platinum Blue with Rx Benefits
Core Plan with Rx
Choice Plan with Rx
Complete Plan with Rx
Covered Hospital and Medical Benefits – Hospital Care
Inpatient hospital coverage Our plan covers 90 days for an inpatient hospital stay .
$600 copay per stay
If your in-patient hospital stay lasts longer than 90 days, you may elect to use your 60 additional “lifetime reserve days .” Once you have used the additional days, your coverage will be limited to 90 days .
Our plan covers an unlimited number of days for an inpatient hospital stay .
$200 copay per stay
Our plan covers an unlimited number of days for an inpatient hospital stay .
$100 copay per stay
Outpatient hospital coverage
Ambulatory surgery center Outpatient hospital visit
20% of the cost 20% of the cost
$50 copay $0
$0 $0
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Platinum Blue with Rx Benefits
Core Plan with Rx
Choice Plan with Rx
Complete Plan with Rx
Covered Hospital and Medical Benefits – Outpatient Care and Services
Doctor’s office visits
Primary care provider visits Specialist physician visits
20% of the cost 20% of the cost
$5 copay $15 copay
$0 $0
Preventive care $0
Our plan covers many preventive services, including:
• Abdominal aortic aneurysm screening • Alcohol misuse screenings and counseling • Annual physical exam • Bone mass measurements (bone density screening) • Cardiovascular disease screenings • Cardiovascular disease (behavioral therapy) • Cervical & vaginal cancer screening • Colorectal cancer screenings • Depression screenings • Diabetes screenings • Diabetes self-management training • Glaucoma tests • Hepatitis C screening • HIV screening • Lung cancer screening • Mammograms (breast cancer screening) • Nutrition therapy services • Obesity screenings and counseling • One-time “Welcome to Medicare” preventive visit • Prostate cancer screenings • Routine annual physical exam • Sexually transmitted infections screening & counseling • Shots (V accines): (If administered in a doctor’s office or hospital
setting, vaccines will be filed as a Part B claim . If administered at a pharmacy, vaccines will be filed as a Part D claim .)
• Flu shots • Hepatitis B shots • Pneumococcal shots
• Tobacco cessation counseling
Any additional preventive services approved by Medicare during the contract year will be covered .
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Platinum Blue with Rx Benefits
Core Plan with Rx
Choice Plan with Rx
Complete Plan with Rx
Covered Hospital and Medical Benefits – Outpatient Care and Services
Emergency care
If you are admitted to the hospital within 24 hours, you do not have to pay your emergency care copay . See the “Inpatient Hospital Care” section of this booklet for other costs .
$80 copay $80 copay $0
Urgently needed services $25 copay $25 copay $0
Diagnostic services, labs and imaging
Diagnostic radiology services (such as MRIs, CT scans)
Diagnostic tests and procedures
Lab services
Outpatient X-rays
Therapeutic radiology services (such as treatment for cancer)
20% of the cost
20% of the cost, depending on the service
$0
20% of the cost
20% of the cost
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
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Platinum Blue with Rx Benefits
Core Plan with Rx
Choice Plan with Rx
Complete Plan with Rx
Covered Hospital and Medical Benefits – Outpatient Care and Services
Hearing services
Exam to diagnose and treat hearing and balance issues
Routine hearing exam (1 per year)
Hearing aid fitting/evaluation (1 per year)
Hearing aid
20% of the cost of Medicare-covered services
Not covered
Not covered
Not covered
$15 copay
$15 copay
$15 copay
Our plan pays up to $450 every year for hearing aids .
$0
$0
$0
Our plan pays up to $450 every year for hearing aids .
Dental services
Coverage is limited to Medicare-covered oral surgery services
*Not covered: Services in connection with care, treatment, filling, removal, placement or cleaning of teeth
20% of the cost of Medicare-covered services
$15 copay $0
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Platinum Blue with Rx Benefits
Core Plan with Rx
Choice Plan with Rx
Complete Plan with Rx
Covered Hospital and Medical Benefits – Outpatient Care and Services
Vision services
Annual glaucoma screening
Medicare-covered exams to diagnose and treat eye diseases and conditions
Medicare-covered eyewear after cataract surgery
Routine eye exam (1 per year) *May qualify for a second refraction due to illness or injury
Eyeglasses (frames and lenses)
$0
20%
20% of the cost
Not covered
Not covered
$0
$15 copay
20% of the cost
$0
Our plan pays up to $125 every year for eyeglasses (frames and lenses) .
$0
$0
20% of the cost
$0
Our plan pays up to $125 every year for eyeglasses (frames and lenses) .
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Platinum Blue with Rx Benefits
Core Plan with Rx
Choice Plan with Rx
Complete Plan with Rx
Covered Hospital and Medical Benefits – Outpatient Care and Services
Mental health services in a specialty psychiatric hospital (including inpatient)
Inpatient visit
Outpatient group therapy visit
Outpatient individual therapy visit
Our plan covers up to 190 days in a lifetime for inpatient mental health care in a specialty psychiatric hospital .
This limit does not apply to inpatient mental health services provided in a psychiatric unit of a general hospital .
$600 copay per stay $200 copay per stay $100 copay per stay
20% of the cost $15 copay $0
20% of the cost $15 copay $0
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Platinum Blue with Rx Benefits
Core Plan with Rx
Choice Plan with Rx
Covered Hospital and Medical Benefits – Outpatient Care and Services
Skilled nursing facility (SNF)
Our plan pays up to 100 days in a SNF
$0 per day for days 1 through 20
$150 copay per day for days 21 through 100
$0 $0
Rehabilitation services (Outpatient)
Cardiac (heart) rehab services (A maximum of two one-hour sessions per day, for up to 36 sessions, for up to 36 weeks)
Physical, occupational and speech therapy visits
20% of the cost
20% of the cost
$15 copay
$15 copay
$0
$0
Ambulance 20% of the cost $25 copay $0
Transportation Not covered Not covered Not covered
Prescription drug benefits
How much do I pay?
Part B chemotherapy drugs
Other Part B drugs such as oxygen or Erythropeitin (EPO)
20% of the cost
20% of the cost
20% of the cost
20% of the cost
20% of the cost
$0
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Complete Plan with Rx
Platinum Blue with Rx Benefits
Core Plan with Rx
Choice Plan with Rx
Complete Plan with Rx
Medical Equipment and Supplies
Durable medical equipment (wheelchairs, oxygen, etc .)
20% of the cost 20% of the cost $0
Diabetes supplies and services
Diabetes monitoring supplies
Diabetes self-management training
Therapeutic shoes and inserts
20% of the cost
$0
20% of the cost
20% of the cost
$0
20% of the cost
$0
$0
$0
Prosthetic devices (braces, artificial limbs, etc.)
Prosthetic devices
Related medical supplies
20% of the cost
20% of the cost
20% of the cost
20% of the cost
$0
$0
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Platinum Blue with Rx Benefits
Core Plan with Rx
Choice Plan with Rx
Complete Plan with Rx
Wellness benefits
Fitness program
Sign up at a participating facility or choose a home exercise kit
$0 $0 $0
Tobacco cessation
A wellness coach helps members develop and maintain a plan to quit
$0 $0 $0
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Platinum Blue with Rx Benefits
Core Plan with Rx
Choice Plan with Rx
Complete Plan with Rx
Additional benefits and services
Acupuncture Not covered Not covered Not covered
Chiropractic care
Manipulation of the spine to correct a subluxation (when 1 or more of the bones of your spine move out of position)
20% of the cost $15 copay $0
Foot care (podiatry services)
Foot exams and treatment if you have diabetes-related nerve damage and/or meet certain medical conditions
20% of the cost $15 copay $0
Home health care $0 $0 $0
Outpatient substance abuse
Individual and group therapy visits 20% of the cost $15 copay $0
Over-the-counter items Not covered Not covered Not covered
Renal dialysis 20% of the cost $15 copay $0
Hospice You pay nothing for hospice care from a Medicare-certified hospice . You may have to pay part of the cost for drugs and respite care .
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Choice Plan with Rx Complete Plan with Rx
$108 .30 $197 .10
$405 Tiers 2, 3, 4, 5 $405 Tiers 2, 3, 4, 5
PreferredCost-Sharing
StandardCost-Sharing
PreferredCost-Sharing
StandardCost-Sharing
$5 copay $12 copay $3 copay $10 copay
$10 copay $17 copay $9 copay $16 copay
20% coinsurance 25% coinsurance 15% coinsurance 20% coinsurance
45% coinsurance 50% coinsurance 45% coinsurance 50% coinsurance
25% coinsurance 25% coinsurance 25% coinsurance 25% coinsurance
$0 copay $5 copay $0 copay $5 copay
$10 copay $24 copay $6 copay $20 copay
$20 copay $34 copay $18 copay $32 copay
20% coinsurance 25% coinsurance 15% coinsurance 20% coinsurance
45% coinsurance 50% coinsurance 45% coinsurance 50% coinsurance
25% coinsurance 25% coinsurance 25% coinsurance 25% coinsurance
$0 copay $10 copay $0 copay $10 copay
.35 copay for all other drugs
PRESCRIPTION DRUG MEDICARE PART D COVERAGE You can add prescription drug coverage to your Platinum Blue plan . Bundling medical and Part D coverage into one plan gives you the convenience of a single member ID card, customer service center and bill for both your medical and prescription costs . The monthly premium and deductible costs below reflect both your medical and prescription drug coverage . To view what drugs are covered by Platinum Blue with Rx, visit myprime.com, register your account and click on the Medicines tab at the top of the page .
Platinum Blue with Rx Benefits Core Plan with Rx
Monthly Plan Premium $49 .40
Deductible $405 all Tiers
Initial Coverage Preferred Cost-Sharing
Standard Cost-Sharing
31 Day Supply from a Network Pharmacy
Tier 1: Preferred Generic $5 copay $12 copay
Tier 2: Generic $12 copay $19 copay
Tier 3: Preferred Brand 15% coinsurance 20% coinsurance
Tier 4: Non-Preferred Brand 45% coinsurance 50% coinsurance
Tier 5: Specialty Tier 25% coinsurance 25% coinsurance
Tier 6: Select Care $0 copay $5 copay
Tier 1: Preferred Generic $10 copay $24 copay
Tier 2: Generic $24 copay $38 copay
Tier 3: Preferred Brand 15% coinsurance 20% coinsurance
Tier 4: Non-Preferred Brand 45% coinsurance 50% coinsurance
Tier 5: Specialty Tier 25% coinsurance 25% coinsurance
Tier 6: Select Care $0 copay $10 copay
60-90 Day Supply from a Network Pharmacy
Coverage Gap Begins once your total drug costs for the year reach $3,7501
• Generic Drugs: 44% of the plan cost • Brand-name Drugs: 35% of the plan cost
Catastrophic Coverage Begins once your total out-ofpocket costs for the year reach $5,0002
You pay the greater of: • 5% of the cost, or • $3 .35 copay for generic drugs (including brand drugs treated as generic) and an $8
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Platinum Blue with RxBenefits Core Plan with Rx
Monthly Plan Premium $49 .40
Deductible $405 all Tiers
Initial Coverage PreferredCost-Sharing
StandardCost-Sharing
31 Day Supply from aNetwork Pharmacy
Tier 1: Preferred Generic $5 copay $12 copay
Tier 2: Generic $12 copay $19 copay
Tier 3: Preferred Brand 15% coinsurance 20% coinsurance
Tier 4: Non-Preferred Brand 45% coinsurance 50% coinsurance
Tier 5: Specialty Tier 25% coinsurance 25% coinsurance
Tier 6: Select Care $0 copay $5 copay
60-90 Day Supply froma Network Pharmacy
Tier 1: Preferred Generic $10 copay $24 copay
Tier 2: Generic $24 copay $38 copay
Tier 3: Preferred Brand 15% coinsurance 20% coinsurance
Tier 4: Non-Preferred Brand 45% coinsurance 50% coinsurance
Tier 5: Specialty Tier 25% coinsurance 25% coinsurance
Tier 6: Select Care $0 copay $10 copay
Coverage GapBegins once your total drug costsfor the year reach $3,7501
• Generic Drugs: 44% of the plan cost• Brand-name Drugs: 35% of the plan cost
Catastrophic CoverageBegins once your total out-of-pocket costs for the year reach$5,0002
You pay the greater of:• 5% of the cost, or• $3 .
1Total yearly drug costs include the amount you have paid for covered drugs plus what the plan has paid for the calendar year . This does not include plan premiums you pay . The brand-name drug coverage in the coverage gap is subject to agreements between the Centers for Medicare & Medicaid Services (CMS) and drug manufacturers . Not all brand drugs may be discounted . Call Blue Cross customer service if you have questions .
2Your out-of-pocket costs includes the amount you have paid for covered drugs for the calendar year . This does not include the amount the plan has paid or the plan premiums you pay .
Choice Plan with Rx Complete Plan with Rx
$108 .30 $197 .10
$405 Tiers 2, 3, 4, 5 $405 Tiers 2, 3, 4, 5
Preferred Cost-Sharing
Standard Cost-Sharing
Preferred Cost-Sharing
Standard Cost-Sharing
$5 copay $12 copay $3 copay $10 copay
$10 copay $17 copay $9 copay $16 copay
20% coinsurance 25% coinsurance 15% coinsurance 20% coinsurance
45% coinsurance 50% coinsurance 45% coinsurance 50% coinsurance
25% coinsurance 25% coinsurance 25% coinsurance 25% coinsurance
$0 copay $5 copay $0 copay $5 copay
$10 copay $24 copay $6 copay $20 copay
$20 copay $34 copay $18 copay $32 copay
20% coinsurance 25% coinsurance 15% coinsurance 20% coinsurance
45% coinsurance 50% coinsurance 45% coinsurance 50% coinsurance
25% coinsurance 25% coinsurance 25% coinsurance 25% coinsurance
$0 copay $10 copay $0 copay $10 copay
35 copay for generic drugs (including brand drugs treated as generic) and an $8 .35 copay for all other drugs
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Mail Order
The below mail order supply chart shows your cost-sharing amounts during your initial coverage stage . When you enter the coverage gap or catastrophic coverage stages, you will pay those cost-sharing amounts regardless of whether you choose to use mail order .
Platinum Blue Core with Rx Choice with Rx Complete with Rx
60 or 90 day supply via Mail Order
Tier 1: Preferred Generic $0 copay $0 copay $0 copay
Tier 2: Generic $24 copay $20 copay $18 copay
Tier 3: Preferred Brand 15% coinsurance 20% coinsurance 15% coinsurance
Tier 4: Non-Preferred Brand 45% coinsurance 45% coinsurance 45% coinsurance
Tier 5: Specialty Tier 25% coinsurance 25% coinsurance 25% coinsurance
Tier 6: Select Care $0 copay $0 copay $0 copay
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NOTICE OF NONDISCRIMINATION PRACTICES Effective July 18, 2016
Blue Cross and Blue Shield of Minnesota and Blue Plus (Blue Cross) complies with applicable Federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability, or gender. Blue Cross does not exclude people or treat them differently because of race, color, national origin, age, disability, or gender.
Blue Cross provides resources to access information in alternative formats and languages: Auxiliary aids and services, such as qualified interpreters and written information
available in other formats, are available free of charge to people with disabilities to assist in communicating with us.
Language services, such as qualified interpreters and information written in other languages, are available free of charge to people whose primary language is not English.
If you need these services, contact us at 1-800-382-2000 or by using the telephone number on the back of your member identification card. TTY users call 711.
If you believe that Blue Cross has failed to provide these services or discriminated in another way on the basis of race, color, national origin, age, disability, or gender, you can file a grievance with the Nondiscrimination Civil Rights Coordinator by email at: [email protected] by mail at: Nondiscrimination Civil Rights Coordinator
Blue Cross and Blue Shield of Minnesota and Blue Plus M495 PO Box 64560 Eagan, MN 55164-0560
or by phone at: 1-800-509-5312
Grievance forms are available by contacting us at the contacts listed above, by calling 1-800-382-2000 or by using the telephone number on the back of your member identification card. TTY users call 711. If you need help filing a grievance, assistance is available by contacting us at the numbers listed above.
You can also file a civil rights complaint with the U.S. Department of Health and Human Services, Office for Civil Rights
electronically through the Office for Civil Rights Complaint Portal, available at: https://ocrportal.hhs.gov/ocr/portal/lobby.jsf
by phone at: 1-800-368-1019 or 1-800-537-7697 (TDD)
or by mail at: U.S. Department of Health and Human Services 200 Independence Avenue SW Room 509F HHH Building Washington, DC 20201
Complaint forms are available at http://www.hhs.gov/ocr/office/file/index.html.
image_0006_NDL_Portrait (09/16)
Blue Cross® and Blue Shield® of Minnesota and Blue Plus® are nonprofit independent licensees of the Blue Cross and Blue Shield Association.
F10773R01 (1/17)
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This notice has important information about your application or health plan coverage. Look for key dates in this notice. You may need to take action by certain deadlines to keep your coverage or to receive help with costs. If you, or someone you’re helping, has questions about this notice or health plan coverage, you can receive help and information in your language at no cost. To talk to an interpreter, call the toll free number below. For TTY, call 711.
Este aviso tiene información importante sobre su solicitud o cobertura del plan de salud. Busque fechas clave en este aviso. Es posible que deba tomar medidas antes de ciertos plazos para mantener su cobertura o recibir ayuda con los costos. Si usted, o alguien a quien esté ayudando, tiene preguntas sobre este aviso o sobre la cobertura del plan de salud, puede recibir información y ayuda en su idioma sin costo. Para comunicarse con un intérprete, llame al número gratuito 1-855-903-2583. Para TTY, llame al 711.
Tsab ntawv ceeb toom no muaj cov lus tseem ceeb hais txog koj daim ntawv thov los yog qhov kev pab them rau koj daim phiaj npaj kho mob. Saib cov hnub tseem ceeb nyob hauv daim ntawv ceeb toom no. Tej zaum koj yuav tau ua qee yam kom tiav ua ntej qee cov hnub uas teev rau hauv no kom thiaj tsis poob qhov kev pab them los yog kom tau txais kev pab them cov nqi kho mob. Yog hais tias koj, los yog lwm tus uas koj pab, muaj lus nug txog tsab ntawv ceeb toom no los yog qhov kev pab them rau daim phiaj npaj kho mob, koj muaj cai tau txais kev pab thiab ntaub ntawv ua koj hom lus yam tsis tau them nyiaj dab tsi. Yog xav tham nrog ib tus neeg pab txhais lus, hu rau tus xov tooj 1-800-793-6931 (hu dawb). Rau TTY, hu rau 711.
Ogeysiiskani wuxuu wataa macluumaad muhiim ah oo ku saabsan caynsanaanta qorshahaaga caafimaad. U fiirso taariikhaha ku yaal ogeysiiskan.Waxa laga yaabaa inaad u baahto ficil ka qaad taariikhaha kama dambayska ah si aad u sii haysto caynsanaantaada ama aad ugu hesho caawimo kharashyada. Haddii adiga, ama qof aad caawinayso, u ka qabo su'aalo arrimaha ku saabsan ogeysiiskan ama caynsanaanta qorshaha caafimaadka, waxaad ku heli kartaa caawimo iyo macluumaad luqaddaada iyada oo aan kharash kaa bixin. Si aad ula hadasho turjumaan, soo wac 1-866-251-6736 (lacag la'aan). Markay tahay dad maqalku ku adag yahay (TTY), wac 711.
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يتضمن ھذا اإلشعار معلومات مھمة حول الطلب الذي تقدمت به أو تغطية برنامجك الصحي. ابحث عن التواريخ الرئيسية في ھذا اإلشعار. قد يكون عليك اتخاذ إجراء ما بحلول مواعيد نھائية معينة لالحتفاظ بتغطيتك أو لتلقي المساعدة فيما يتعلق
بالتكاليف. إذا كانت لديك أنت، أو شخص ما تقوم بمساعدته، أي أسئلة حول ھذا اإلشعار أو تغطية البرنامج الصحي، فيمكنك الحصول على المساعدة والمعلومات بلغتك األم دون أي تكلفة. للتحدث إلى أحد المترجمين الفوريين، اتصل بالرقم
9123-569-866-1 (رقم مجاني). للھاتف النصي اتصل بالرقم 711.
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Thông báo này có thông tin quan trọng về đơn đăng ký hoặc phạm vi bao trả theo chương trình sức khỏe của quý vị. Tìm những ngày chính trong thông báo này. Quý vị có thể cần hành động trước một số thời hạn để duy trì phạm vi bao trả hoặc được giúp đỡ có tính phí. Nếu quý vị, hoặc người quý vị đang giúp đỡ, có thắc mắc về thông báo này hoặc phạm vi bao trả theo chương trình sức khỏe của quý vị, quý vị có thể nhận giúp đỡ và thông tin bằng ngôn ngữ của mình miễn phí. Để nói chuyện với một thông dịch viên, xin gọi số 1-855-315-4015 (miễn phí). Người dùng TTY xin gọi 711.
Beeksis kun waayee iyyannoo keetii ykn kan karoorri fayyaa kee qabaachuu malu odeeffannoo barbaachisaa qaba. Guyoota futuu ta’an achi keessa ilaali. Insuraansiin kee akka addaan hincinnee fi basii tokko tokkoof gargaarsa argachuudhaaf, yeroon utuu itti hindarbin tarkaanfii fudhachuu qabda. Ati ykn nami ati gargaaraa jirtu yoo waayee beeksisakana ykn karoora fayyaa kana kee hanga inni ga’u gaaffii qabaattan, kaffaltii malee gargaarsaa fi odeeffannoo afaan keessaniin argachuu dandeessu. Nama afaan isinii hiiku waliin haasa’uudhaaf 1-855-315-4016 (lak. Tolaa bilbila’a). TTY dhaaf, 711 bilbilaa.
本通知包含與您申請或健康計劃承保有關的重要資訊。請注意本通知中的重要日期。您可能需要在特定期限之前採取行動才能維持承保或取得費用補助。如果您本人或您協助的對象對本通知或健康計劃承保有疑問，您可免費以您的語言取得協助和資訊。如欲與口譯員交談，請致電 1-855-315-4017（免費電話）。聽語障專線 (TTY)，請撥打 711。
В этом уведомлении содержится важная информация о Вашей заявке на включение в план или страховом покрытии, предоставляемом планом медицинского страхования. Обратите внимание на даты, приведенные в этом уведомлении. Для того чтобы сохранить страховку или получить помощь в связи с какими-либо выплатами, Вам, возможно, потребуется к определенному сроку предпринять какие-то действия. Если у Вас или у кого-то, кто Вам помогает, появятся вопросы по поводу этого уведомления или предоставляемого планом страхового покрытия, Вы можете бесплатно получить помощь и информацию на Вашем родном языке. Чтобы связаться с переводчиком, позвоните по телефону 1-855-315-4028 (звонки бесплатные). Для использования телефонного аппарата с текстовым выходом звоните 711.
Cet avis contient des informations importantes concernant votre application ou votre assurance maladie. Recherchez les dates-clés dans cet avis. Il se peut que vous deviez réagir avant certaines dates limites pour conserver votre couverture ou recevoir une aide pour vos frais. Si vous-même ou la personne que vous aidez avez des questions concernant cet avis ou l’assurance maladie, vous pouvez recevoir de l’aide et des informations dans votre langue gratuitement. Pour parler à un interprète, appelez le 1-855-315-4029 (appel gratuit). Pour les personnes malentendantes, appelez le 711.
ይህ ማስታወቂያ ማመልከቻዎን ወይም የጤና ዕቅድ ሽፋንዎን በተመለከተ አስፈላጊ መረጃ አለው። በዚህ ማስታወቂያ ውስጥ ዋናዋና የሆኑ ቀናትን ይመልከቱ። የእርስዎ የጤና እቅድ ሽፋን እንዲቀጥል ወይም ዋጋው በሚመለከት እርዳታ ለማግኘት በተወሰኑ ቀነ ገደቦች እርምጃ መውሰድ ይኖርብዎቷል። እርስዎ ወይም እርስዎ የሚረዱት ሰው ይህን ማስታወቂያ ወይም የጤና እቅድ ሽፋን በሚመለከት ጥያቄ ካላችሁ፤ ምንም ወጪ ሳታወጡ በራሳችሁ ቋንቋ እርዳታ እና መረጃ ማግኘት ትችላላችሁ። ከአስተርጓሚ ጋር ለመነጋገር በስልክ ቁጥር 1-855-315-4030 (በነጻ) ይደውሉ። ይደውሉ ለ TTY በ 711።
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본 통지서에는 귀하의 보험 가입이나 의료 보험 적용 범위에 대한 중요한 정보가 담겨 있습니다. 본 통지서에 나와 있는 중요한 날짜를 확인해 보십시오. 귀하께서는 특정 마감 기한까지 조치를 취하셔야 계속 보험 적용을 받거나 비용 지원을 받으실 수 있습니다. 귀하 본인이나 귀하가 도와주고 있는 사람이 본 통지서나 의료 보험 적용 범위에 대한 질문이 있는 경우, 본인 비용 부담 없이 모국어로 지원 및 정보를 받으실 수 있습니다. 통역사와 통화를 하시려면, 1-855-904-2583 번(수신자 부담)으로 연락하시기 바랍니다. 으로 전화하십시오. TTY 사용자는 711로 전화하십시오.
ແຈງການນ ມ ຂ ມນທ ສ າຄນກຽວກບຄ າຮອງສະໝກ ຫ ຄວາມຄມຄອງໃນແຜນປະກນສຂະພາບຂອງທານ. ຊອກເບ ງວນທ ສ າຄນຢໃນແຈງການນ . ທານອາດຈະຕອງດ າເນ ນການຕາມການດເວລາສະເພາະ ເພອຮກສາຄວາມຄມຄອງປະກນໄພຂອງທານໄວ ຫ ເພອຮບເອ າການຊວຍເຫ ອເລ ອງຄາໃຊຈາຍ. ຖາທານ ຫ ຄນທ ທານກາລງໃຫການຊວຍເຫ ອມ ຄ າຖາມກຽວກບແຈງການນ ຫ ຄວາມຄມຄອງໃນແຜນປະກນສຂະພາບ, ທານສາມາດຮບເອ າການຊວຍເຫ ອ ແລະ ຂ ມນເປນພາສາຂອງທານໄດ ໂດຍບ ມ ຄາໃຊຈາຍ. ເພອລມກບລາມແປພາສາ, ໃຫໂທຫາ 1-866-356-2423 (ເບ ໂທເກບເງ ນປາຍທາງ). ສາລບ. TTY, ໃຫໂທຫາ 711.
Ang paunawang ito ay may mahalagang impormasyon tungkol sa iyong aplikasyon o saklaw ng planong pangkalusugan. Maghanap ng mahahalagang petsa sa paunawang ito. Maaaring kailanganin mong gumawa ng aksyon sa pamamagitan ng ilang mga itinakdang panahon upang mapanatili ang iyong saklaw o makatanggap ng tulong para sa mga gastos. Kung ikaw, o ang isang tao na tinutulungan mo, ay may mga katanungan tungkol sa paunawang ito o saklaw ng planong pangkalusugan, makatatanggap ka ng tulong at impormasyon sa iyong wika nang walang gastos. Upang makipag-usap sa isang taga-interpret, tumawag sa 1-866-537-7720 (walang bayad ang toll). Para sa TTY, tumawag sa 711.
Diese Mitteilung enthält wichtige Informationen zu Ihrem Antrag oder zur Abdeckung durch Ihren Gesundheitsschutzplan. Beachten Sie wichtige Daten in dieser Mitteilung. Sie müssen unter Umständen innerhalb gewisser Fristen bestimmte Handlungen ergreifen, damit Ihre Abdeckung bestehen bleibt oder Sie Kostenunterstützung erhalten. Wenn Sie oder eine Person, die Ihnen zur Seite steht, Fragen zu dieser Mitteilung oder zur Abdeckung durch den Gesundheitsschutzplan haben, können Sie kostenlos Hilfe und Informationen in Ihrer Muttersprache erhalten. Um mit einem Dolmetscher zu sprechen, wählen Sie 1-866-289-7402 (gebührenfrei). Für TTY wählen Sie 711.
កណតសមាគ លេនះមានពតមានសខានអពការដាកពាកយ ឬការរគបដណត បៃនគេរមាងសខភាពរបសអនក។ រកេមើលកាលបរេចឆទសខានៗកនងកណតសមាគ លេនះ។ អនកអាចរតវការចាតវធានការរតមកាលបរេចឆទផតកណតជាកលាកនានាេដើមបរកសាការរគបដណដ បរបសអនក ឬេដើមបទទលបានជនយជាមយៃថលចណាយេផសងៗ។ របសនេបើអនក ឬនរណាមាន កែដលអនកកពងជយមានសណរអពកណតសមាគ លេនះ ឬការរគបដណត បៃនគេរមាងសខភាព អនកអាចទទលបានជនយ នងពតមានជាភាសារបសអនកេដាយឥតគតៃថល។ េដើមបនយាយេទៅកានអនកបកែរបផាទ លមាត សមទរសពទេទៅេលខ 1-855-906-2583 (េលខឥតគតៃថល)។ សរមាប TTY សមទរសពទមកេលខ 711។
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CONTACT US Call us 7 days a week, 8 a .m . to 8 p .m . Central Time .
Members Non-Members
Call toll-free 1-866-340-8654 Call 1-877-662-2583
TTY users call 711
Visit bluecrossmnonline.com
This document may be available in a non-English language . For additional information call us at a number above .
This document is available in other formats such as Braille and large print .
This information is not a complete description of benefits . Contact the plan for more information . Limitations, copayments and restrictions may apply . Benefits, premiums and/or copayments/ coinsurance may change on January 1 of each year .
You must continue to pay your Medicare Part B premium .
The formulary and pharmacy network may change at any time . You will receive notice when necessary .
Platinum BlueSM is a Medicare-approved Cost plan offered by Blue Cross and Blue Shield of Minnesota . Enrollment in Platinum Blue depends on renewal of the plan sponsor’s contract with Medicare .
Blue Cross® and Blue Shield® of Minnesota and Blue Plus® are nonprofit independent licensees of the Blue Cross and Blue Shield Association .
M00476 (9/17)
