Summary of Benefits and Coverage: What this Plan Covers & What You Pay For Covered Services Coverage Period: 01/01/2018 12/31/2018

: CalPERS - Traditional 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 see www.kp.org/plandocuments or call 1-800-278-3296 (TTY: 711). 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 http://www.healthcare.gov/sbc-glossary or call 1-800-278-3296 (TTY: 711) to request a copy.

Important Questions Answers Why This Matters:

What is the overall deductible?

$0 See the Common Medical Events chart below for your costs for services this plan covers.

Are there services covered before you meet your deductible?

Not Applicable.

This plan covers some items and services even if you havent 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 https://www.healthcare.gov/coverage/preventive-care-benefits/.

Are there other deductibles for specific services?

No. You dont have to meet deductibles for specific services.

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

Medical: $1,500 Individual / $3,000 Family

Drugs: $5,850 Individual / $11,700 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, and health care services this plan doesnt cover, indicated in chart starting on page 2.

Even though you pay these expenses, they dont count toward the outof pocket limit.

Will you pay less if you use a network provider?

Yes. See www.kp.org or call 1-800-278-3296

(TTY: 711) for a list of network providers.

This plan uses a provider network. You will pay less if you use a provider in the plans 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 providers 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, but you may self-refer to certain specialists. 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.

STATE OF CALIFORNIA

PID: 3 CNTR: 1 EU: 0 Plan ID: 9203

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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 Plan Provider

(You will pay the least)

Non Plan Provider

(You will pay the most)

If you visit a health care providers office or clinic

Primary care visit to treat an injury or illness

$15 / visit Not covered None

Specialist visit $15 / visit Not covered None

Preventive care/screening/ immunization

No charge Not covered

You may have to pay for services that arent 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)

No charge Not covered None

Imaging (CT/PET scans, MRIs)

No charge Not covered None

If you need drugs to treat your illness or condition

More information about prescription drug coverage is available at www.kp.org/formulary

Generic drugs Plan pharmacy: $5 retail;

$10 mail order / prescription Not covered

Up to 30-day supply retail and 100-day supply mail order. Subject to formulary guidelines.

Preferred brand drugs Plan pharmacy: $20 retail;

$40 mail order / prescription Not covered

Up to 30-day supply retail and 100-day supply mail order. Subject to formulary guidelines.

Non-preferred brand drugs

Same as preferred brand drugs Not covered Same as preferred brand drugs when approved through exception process.

Specialty drugs Same as preferred brand drugs Not covered Same as preferred brand drugs when approved through exception process.

If you have outpatient surgery

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

$15 / procedure Not covered None

Physician/surgeon fees

Included in Facility Fee Not covered None

If you need immediate medical

Emergency room care $50/ visit $50 / visit None

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Common Medical Event

attention

Services You May Need

What You