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The 2014
FEHB Guide
Healthcare and Insurance RI 70-16Revised November 2013
For Tribal Employees
Visit us at wwwopmgovhealthcare-insuranceindian-tribeshealth-insurance
The information contained in this FEHB Guide for Tribal Employees
is only a summary of the benefits available under each plan
Before you select a plan or option please read the Planrsquos Federal
brochure as it is the official statement of benefits
All benefits are subject to the definitions limitations and
exclusions set forth in the Planrsquos Federal brochure
This page intentionally left blank
c2
Table of Contents
Page
Introduction to the Federal Employees Health Benefits (FEHB) Program and this Guide 2
Federal Employees Health Benefits (FEHB) Program 3
Temporary Continuation of Coverage (TCC) 5
FEHB Program Health Information Technology and PriceCost Transparency 8
Appendix A FEHB Program Features 9
Appendix B Choosing an FEHB Plan 10
Appendix C Qualifying Life Events 13
Appendix D Member Survey Results 14
Appendix E FEHB Plan Comparison Charts 15
bull Nationwide FeeshyforshyService Plans 16
bull Health Maintenance Organization Plans and Plans Offering a PointshyofshyService Product 21
bull High Deductible and ConsumershyDriven 60
Medicaid and the Childrenrsquos Health Insurance Program (CHIP) 84
1
Introduction to the Federal Employees Health Benefits (FEHB) Program and this Guide
The Indian Health Care Improvement Act (IHCIA) section 409 ldquoAccess to Federal Insurancerdquo under the Patient Protection and Affordable Care Act (ACA) extends entitlement to purchase coverage in the FEHB Program to the following groups (hereinafter tribal employer)
1) Indian tribes or tribal organizations carrying out programs under the Indian SelfshyDetermination and Education Assistance Act and
2) Urban Indian organizations carrying out programs under title V of the Indian Health Care Improvement Act
The purpose of this Guide is to provide you basic information about the benefits offered to you as the tribal employee of a tribal employer that has chosen to participate in the FEHB Program This Guide will assist you with the process of selecting and enrolling in a plan that meets your health care needs during any of the following events
bull Initial Enrollment Opportunity bull Annual Open Season bull Qualifying Life Events bull Becoming eligible for Temporary Continuation of Coverage
Things to consider
1) See pages 3 and 4 for general information on FEHB (including eligibility) and Appendix B for guidance on choosing a plan
2) If you decide to enroll examine the brochure of each plan you are interested in to ensure the benefits and premiums meet your needs and the plan is available in your geographic area and
3) Contact your tribal employer for information on how to enroll
How do I get more information about this Program
Visit the FEHB Program online at wwwopmgovhealthcareshyinsuranceindianshytribeshealthshyinsurance for information including
bull How to compare health plans and choose the one that meets your needs bull Health plan websites and plan brochures bull Getting quality healthcare bull Medicare and FEHB
2
bull
Federal Employees Health Benefits (FEHB) Program
What does this Program offer
The FEHB Program offers a wide variety of plans and coverage to help you meet your health care needs It is group coverage available to eligible tribal employers that have chosen to participate in the FEHB Program for their eligible tribal employees It also covers eligible family members of those tribal employees If you leave tribal employment the FEHB Program offers Temporary Continuation of Coverage (TCC) as well as an opportunity to convert your enrollment to nonshygroup (private) coverage Please refer to the TCC section in this Guide for more details
Appendix E includes a comparison chart of all the plans in the FEHB Program with information comparing basic benefits and costs
Key FEHB Program facts
bull You can choose from FeeshyforshyService plans or Health Maintenance Organization plans with comprehensive coverage and higher premiums or ConsumershyDriven and High Deductible plans that offer catastrophic risk protection with higher deductibles health savingsreimbursement accounts and lower premiums
bull There are no waiting periods and no preshyexisting condition limitations even if you change plans
bull All nationwide FEHB plans offer international coverage
bull There are separate andor different provider networks for each plan Utilizing an inshynetwork provider may reduce your outshyofshypocket costs
bull FEHB coverage continues each year You do not need to reshyenroll each year If you are happy with your current coverage do nothing Please note that your premiums and benefits may change
bull The FEHB Open Season for Tribal Employees begins on the Monday of the second full work week in November and ends on the Monday of the second full week in December This yearrsquos Open Season is from Monday November 11 2013 through Monday December 9 2013
bull If your tribal employer participates in premium conversion FEHB enrollment changes can only be made during the annual Open Season or if you experience a Qualifying Life Event (QLE) Premium conversion allows tribal employees to use preshytax dollars to pay their FEHB premiums Check with your tribal employer to see if they participate in premium conversion
bull If your tribal employer does not participate in premium conversion or you choose not to participate in premium conversion you may change your FEHB enrollment from Self and Family to Self Only or cancel coverage at any time Other FEHB enrollment changes must be made during the annual Open Season or if you experience a QLE
What enrollment types are available
bull Self Only which covers only the enrolled tribal employee or
bull Self and Family which covers the enrolled tribal employee and all eligible family members
Am I eligible to enroll
You may be eligible if you are employed by a tribal employer that participates in the FEHB Program If your tribal employer has not provided you with information about FEHB enrollment you should contact them for information
3
Federal Employees Health Benefits (FEHB) Program
Which family members are eligible
Family members covered under your Self and Family enrollment are
bull Your spouse (including a valid common law marriage) and
bull Children under age 26 including legally adopted children recognized natural children and stepchildren
ndash Foster children are included if they meet certain requirements
ndash A child age 26 or over who is incapable of selfshysupport because of a mental or physical disability that
existed before age 26 is also an eligible family member
Contact your tribal employer for additional information In determining whether the child is a covered
family member your tribal employer will look at the childrsquos relationship to you as an FEHB enrollee
How much does it cost
The premiums for your FEHB enrollment are shared by you and your tribal employer Your tribal employer pays at a minimum the lesser of 72 of the average total premium of all plans weighted by the number of enrollees in each or 75 of the premium for the specific plan you choose If you are a tribal employee of a tribal employer that participates in premium conversion and you have chosen to participate you automatically pay your share of premium through a payroll deduction using preshytax dollars
The charts in Appendix E provide cost information for all plans in the FEHB Program
Please note that the provided rates are the maximum amount you will be required to pay for your premium Your tribal employer may choose to pay a higher portion of your premium Check with your tribal employer for exact rates You may have other outshyofshypocket costs in addition to your premium such as copays coinsurance and deductibles
When can I enroll or change my FEHB enrollment
If you are employed by a tribal employer that has recently elected to purchase health insurance through the FEHB Program you now have an opportunity to enroll in coverage Your tribal employer will provide you with the exact dates of your Initial Enrollment Opportunity and your effective date of coverage
If you chose not to enroll during the Initial Enrollment Opportunity you may also enroll 1) during the annual Open Season held from the Monday of the second full work week in November through the Monday of the second full work week in December (this yearrsquos Open Season is from November 11 through December 9 2013) or 2) if you have a qualifying life event (QLE)
If you participate in premium conversion you may enroll change your enrollment type change plans or cancel outside of Open Season only if you experience a QLE such as a change in family or other insurance coverage status Appendix C contains more specific information about QLEs that permit tribal employees to enroll or change enrollment in the FEHB Program However if you do not participate in premium conversion you may change your enrollment type from Self and Family to Self Only or cancel coverage at any time
How do I enroll or change my FEHB enrollment
You must enroll or change your FEHB enrollment by completing the Health Benefits Election Form (SF 2809) This form is available on our website at wwwopmgovformspdf_fillsf2809pdf You can find information and guidance on the SF 2809 at wwwopmgovhealthcareshyinsuranceindianshytribesreferenceshymaterialsenrollmentshyformshy2809shyemployeeshyguidancepdf Contact your tribal employer for details
4
Temporary Continuation of Coverage (TCC)
This section provides basic information about the Temporary Continuation of Coverage (TCC) provisions of the FEHB Program
What does TCC offer
TCC allows former tribal employees and formerly eligible family members to continue their FEHB Program coverage for a limited period TCC offers the same FEHB coverage and benefits that are available to tribal employees
Who is Eligible for TCC
Individuals eligible for TCC include
bull Former tribal employees whose FEHB coverage ended because they separated from tribal employment (including retirement) unless they were separated for gross misconduct
bull Children who lose coverage under a Self and Family FEHB enrollment of a current or former tribal employee because they are no longer considered eligible family members and
bull Former (divorced) spouses who lose coverage under a Self and Family FEHB enrollment of a current or former tribal employee
Which family members are eligible
Family members covered under your Self and Family TCC enrollment include
bull Your spouse (including a valid common law marriage)
bull Children under age 26 including recognized natural children legally adopted children and
stepchildren Foster children are included if they meet certain requirements
bull Your child age 26 or over who is incapable of selfshysupport because of a mental or physical
disability that existed before age 26
Note In determining whether the child is a covered family member your tribal employer will look at the childrsquos relationship to you as an FEHB enrollee
What TCC enrollment types are available
bull Self Only which only covers the TCC enrollee or
bull Self and Family which covers the TCC enrollee and all eligible family members
Note A former (divorced) spousersquos eligible family members are limited to children of both the tribal employee and the former spouse
5
Temporary Continuation of Coverage (TCC)
How much does it cost Under TCC you pay the total monthly premium (enrolleersquos share plus the tribal employerrsquos share) plus a 2 percent administrative charge The charts in Appendix E provide cost information for all plans in the FEHB Program
When can I enroll
Individuals eligible for TCC generally must enroll within 60 days after the qualifying event permitting enrollment or after receiving notice of eligibility from the tribal employer whichever is later The opportunity to elect TCC ends 60 days after the qualifying event if (1) you do not notify your tribal employer within 60 days of your childrsquos loss of coverage or (2) you or your former (divorced) spouse do not notify your tribal employer within 60 days of your divorce
How do I enroll
You must enroll by completing the Health Benefits Election Form (SF 2809) This form is available on our website at wwwopmgovformspdf_fillsf2809pdf You can find information and guidance on the SF 2809 at wwwopmgovhealthcareshyinsuranceindianshytribesreferenceshymaterialsenrollmentshyformshy2809shyemployeeshyguidancepdf
If you are a former tribal employee contact your tribal employer If you are a child contact the tribal employer of your parent who is the FEHB enrollee If you are a former (divorced) spouse contact the tribal employer of your former spouse
When can I change my TCC enrollment Former tribal employees children andor former (divorced) spouses with an existing TCC enrollment may change their enrollment during the annual Open Season or based upon a qualifying life event (QLE) A QLE is a term defined by OPM to describe events that may allow you to change your FEHB enrollment
A complete listing of QLEs can be found in Table 4 of the Tables of Permissible Changes of the SF 2809 at wwwopmgovformspdf_fillsf2809pdf
Be aware this information only applies to individuals with an existing TCC enrollment and that time limits apply for requesting changes
6
Temporary Continuation of Coverage (TCC)
When does my TCC coverage end
If you are a former tribal employee TCC ends on the date that is 18 months after the date of your separation from tribal employment
If you are a child TCC ends on the date that is 36 months from the date you cease being an eligible family member for FEHB purposes
If you are a former (divorced) spouse TCC ends on the date that is 36 months from the date you cease being an eligible family member for FEHB purposes
Note As a TCC enrollee you may voluntarily cancel your TCC enrollment at any time However once your cancellation takes effect you cannot reenroll in the FEHB Program You will not be entitled to a 31shyday extension of coverage for conversion to a nonshygroup (private) policy Family members who lose coverage upon your cancellation may enroll only if they are eligible for FEHB in their own right as tribal employees
If your TCC enrollment terminates because you acquire other FEHB coverage and that coverage ends before your original TCC eligibility period ends you may reenroll for the time remaining until your original TCC ending date
How do I get more information about TCC
Visit FEHB online at wwwopmgovhealthcareshyinsuranceindianshytribeshealthshyinsurance for more information about Temporary Continuation of Coverage
7
FEHB Program Health Information Technology and PriceCost Transparency
Did You Knowhellip Health Information Technology can improve your health
What is Health Information Technology Health Information Technology (HIT) allows doctors and hospitals to manage medical information and to securely exchange information among patients and providers In a variety of ways HIT has a demonstrated benefit in improving health care quality preventing medical errors reducing costs and decreasing paperwork
What are examples of HIT at work
bull You can go online to review your medical pharmacy and laboratory claims information
bull If you complete a Health Risk Assessment (HRA) your health plan can identify you as a candidate for case management or disease management and offer suggestions on healthy lifestyle strategies and how to reduce or eliminate health risks Health plans can provide you with tips and educational material about good health habits information about routine care that is age and gender appropriate
bull Physicians can have the very best clinical guidelines at their fingertips for managing and treating diseases
bull While with a patient a physician can enter a prescription on a computer where potential allergies and adverse reactions are shown immediately
bull Computer alerts are sent to physicians to remind them of a patientrsquos preventive care needs and to track referrals and test results
One feature of HIT is the Personal Health Record (PHR) The electronic version of your medical records allows you to maintain and manage health information for yourself and your family in a private and secure electronic environment Some health plans include your medical claims data in your PHR which gives a more complete picture of your health status and history
You can also find a PHR on OPMrsquos website at wwwopmgovhealthcareshyinsurancespecialshyinitiativesmanagingshymyshyownshyhealth This PHR is a fillable and downloadable form that you complete yourself and save on your home computer We encourage you to take a look at this PHR option and if you determine it will fulfill your recordshykeeping needs take advantage of this opportunity
Pricecost transparency is another element of health information technology For example many health plans allow you to use online tools that will show what the plan will pay on average for a specific procedure or for a specific prescription drug You can also review healthcare quality indicators for physician and hospital services
The health plans listed on our HIT website at wwwopmgovhealthcareshyinsurancehealthcarereferenceshymaterialsurl=HIT have taken steps to help you become a better consumer of health care and have met OPMrsquos HIT quality and pricecost transparency standards
No one is more responsible for your health care than you ndash HIT tools can help
8
Appendix A FEHB Program Features
No waiting periods You can use your benefits as soon as your coverage becomes effective There are no preshyexisting condition limitations
A choice of coverage You can choose Self Only coverage just for you or Self and Family coverage for you your spouse and children under age 26 Under certain circumstances your FEHB enrollment may cover your disabled child 26 years old or older who is incapable of selfshysupport
A choice of plans and options The FEHB Program offers FeeshyforshyService plans plans offering a PointshyofshyService product Health Maintenance Organizations High Deductible Health Plans and ConsumershyDriven Health Plans
Employing office contributions Your tribal employer pays at a minimum 72 percent of the average premium of all plans toward the total cost of your premium Please check with your tribal employer for exact rates
Salary deductions You pay your share of the premium through a payroll deduction If your tribal employer participates in premium conversion you may choose to pay your share of the FEHB premium with preshytax dollars
Enrollment opportunities Each year you can enroll or change your health plan enrollment during the annual Open Season Open Season runs from the Monday of the second full work week in November to the Monday of the second full work week in December This year Open Season will run from November 11 through December 9 2013 Also certain qualifying life events (QLEs) allow for certain types of changes throughout the year see your tribal employer for details
Continued group coverage The FEHB Program offers continued FEHB coverage bull For you or your family when you move transfer or go on leave without pay or enter military service (certain rules about coverage and premium amounts apply see your tribal employer)
Coverage after FEHB ends The FEHB Program offers temporary continuation of coverage (TCC) and conversion to nonshygroup (private) coverage bull For you and your family if you leave your job or retire bull For your covered child if he or she turns age 26 or bull For your former spouse when you divorce
Coverage for family members if you die Your surviving family members may be eligible to continue coverage as described below bull If you have a Self and Family FEHB enrollment with only a spouse your spouse is eligible for conversion to nonshygroup (private) coverage bull If you have a Self and Family FEHB enrollment with a child or children the child(ren) are eligible for Temporary Continuation of Coverage (TCC) and may cover your spouse Eligible family members may convert to nonshygroup (private) coverage when TCC expires at the end of 36 months
If you lose coverage under the FEHB Program you should automatically receive a Certificate of Group Health Plan Coverage from the last FEHB plan to cover you If not the plan must give you one on request This certificate may be important to qualify for benefits if you join a nonshyFEHB plan
9
Appendix B Choosing an FEHB Plan
What type of health plan is best for you You have some basic questions to answer about how you pay for and access medical care Here are the different types of plans from which to choose
Types of Plans Choice of doctors hospitals pharmacies and other providers
Specialty care Outshyofshypocket costs Paperwork
FeeshyforshyService wPPO (Preferred Provider Organization)
You must use the planrsquos network to reduce your outshyofshypocket costs For BCBS Basic Option you must use Preferred providers for your care to be eligible for benefits
Referral not required to get benefits
You pay fewer costs if you use a PPO provider than if you donrsquot
Some if you donrsquot use network providers
Health Maintenance You generally must Referral generally Your outshyofshypocket Little if any Organization use the planrsquos network
to reduce your outshyofshypocket costs
required from primary care doctor to get benefits
costs are generally limited to copayments
PointshyofshyService You must use the planrsquos network to reduce your outshyofshypocket costs You may go outside the network but you will pay more
Referral generally required to get maximum benefits
You pay less if you use a network provider than if you donrsquot
Little if you use the network You have to file your own claims if you donrsquot use the network
ConsumershyDriven You may use network Referral not required You will pay an Some if you donrsquot use Health Plans and nonshynetwork
providers You will pay more by not using the network
to get maximum benefits from PPOs
annual deductible and costshysharing You pay less if you use the network
network providers You file a claim to obtain reimbursement from your HRA
High Deductible Health Plans wHealth Savings Account (HSA) or Health Reimbursement Arrangement (HRA)
Some plans are network only others pay something even if you do not use a network provider
Referral not required to get maximum benefits from PPOs
You will pay an annual deductible and costshysharing You pay less if you use the network
Some if you donrsquot use network providers If you have an HSA or HRA account you may have to file a claim to obtain reimbursement
10
Appendix B Choosing an FEHB Plan
What should you consider when choosing a plan Having a variety of plans to choose from is a good thing but it can make the process confusing We have a tool on our website that will help you narrow your plan choice based on the benefits that are important to you go to wwwopmgovhealthcareshyinsuranceindianshytribeshealthshyinsurance You can also find help in selecting a plan using tools provided by PlanSmartChoice at wwwplansmartchoicecomregistrationaspx
Ask yourself these questions
1 How much does the plan cost This includes the premium you pay
2 What benefits does the plan cover Make sure the plan covers the services or supplies that are important to you and know its limitations and exclusions
3 What are my outshyofshypocket costs Does the plan charge a deductible (the amount you must first pay before the plan begins to pay benefits) What is the copayment or coinsurance (the amount you share in the cost of the service or supply)
4 Who are the doctors hospitals and other care providers I can use Your costs are lower when you use providers who are part of the plan these are ldquoinshynetworkrdquo providers
5 How well does my plan provide quality care Quality care varies from plan to plan and here are three sources for reviewing quality
bull Member survey results ndash evaluations by current plan members are posted within the health plan benefit charts in this Guide
bull Effectiveness of care ndash how a plan performs in preventing or treating common conditions is measured by the Healthcare Effectiveness Data and Information Set and is found at wwwopmgovhealthcareshyinsurancehealthcareplanshyinformationqualityshyhealthcareshyscores
bull Accreditation ndash evaluations of health plans by independent accrediting organizations Check the cover of your health planrsquos brochure for its accreditation level or go to httpreportcardncqaorgplanexternalplansearchaspx
1111
Appendix B Choosing an FEHB Plan
Definitions
Brand name drug shy A prescription drug that is protected by a patent supplied by a single company and marketed under the manufacturerrsquos brand name
Coinsurance shy The amount you pay as your share for the medical services you receive such as a doctorrsquos visit Coinsurance is a percentage of the planrsquos allowance for the service (you pay 20 for example)
Copayment shy The amount you pay as your share for the medical services you receive such as a doctorrsquos visit A copayment is a fixed dollar amount (you pay $15 for example)
Deductible shy The dollar amount of covered expenses an individual or family must pay before the plan begins to pay benefits There may be separate deductibles for different types of services For example a plan can have a prescription drug benefit deductible separate from its calendar year deductible
Formulary or Prescription Drug List shy A list of both generic and brand name drugs often made up of different costshysharing levels or tiers that are preferred by your health plan Health plans choose drugs that are medically safe and cost effective A team including pharmacists and physicians determines the drugs to include in the formulary
Generic Drug shy A generic medication is an equivalent of a brand name drug A generic drug provides the same effectiveness and safety as a brand name drug and usually costs less A generic drug may have a different color or shape than the brand name but it must have the same active ingredients strength and dosage form (pill liquid or injection)
InshyNetwork shy You receive treatment from the doctors clinics health centers hospitals medical practices and other providers with whom your plan has an agreement to care for its members
OutshyofshyNetwork shy You receive treatment from doctors hospitals and medical practitioners other than those with whom the plan has an agreement at additional cost Members who receive services outside the network may pay all charges
Premium Conversion shy Premium conversion allows tribal employees who are eligible for FEHB the opportunity to pay their share of FEHB premiums with preshytax dollars In order for tribal employees to participate in premium conversion their tribal employer must have a premium conversion plan Premium conversion plans are governed by the Internal Revenue Code and IRS rules govern when participants may change their enrollment or cancel outside of the annual Open Season
Provider shy A doctor hospital health care practitioner pharmacy or health care facility
Qualifying Life Events shy An event that may allow enrollees in the FEHB Program to change their health benefits enrollment outside of an Open Season These events also apply to tribal employees under premium conversion and include events such as change in family status or change in employment status
Additional definitions are located at the beginning of the sections introducing the different types of health plans
12
Appendix C Qualifying Life Events
Note This information does not apply to individuals who have a Temporary Continuation of Coverage (TCC) FEHB enrollment Please see the TCC section of this Guide if you are a current TCC enrollee
Qualifying Life Events
A qualifying life event (QLE) is a term defined by OPM to describe events that may allow a tribal employee to enroll in the FEHB Program make changes to hisher FEHB enrollment or make changes to hisher premium conversion participation if applicable
Outside of Open Season you can make changes to your FEHB enrollment if you experience certain QLEs The most common QLEs for changing FEHB enrollment type or plan are marriage acquiring a child moving away from the service area of your Health Maintenance Organization (HMO) losing health insurance coverage or changing employment status Your eligibility to make certain changes to your FEHB enrollment will depend upon whether or not you participate in premium conversion
Tribal Employees who Participate in Premium Conversion
Premium conversion allows tribal employees who are eligible for FEHB the opportunity to pay their share of FEHB premiums with preshytax dollars Your tribal employer may choose whether or not to have a premium conversion plan If your tribal employer has a premium conversion plan you may choose to participate or not participate If your tribal employer does not have a premium conversion plan you may not participate
Premium conversion plans are governed by the Internal Revenue Code and IRS rules govern when you may change your FEHB enrollment or premium conversion status outside of the annual Open Season If you experience a QLE you may change your FEHB enrollment (including a change to Self Only or cancellation) provided the action is consistent with the QLE
If you participate in premium conversion please refer to QLE Table 1 of the Standard Form (SF) 2809 at wwwopmgovformspdf_fillsf2809pdf for detailed information If you need assistance in accessing the SF 2809 or have additional questions please contact your tribal employer
Tribal Employees who do not Participate in Premium Conversion
If your tribal employer does not have a premium conversion plan or if they have a plan and you choose not to participate you are not subject to IRS rules for when you can make certain changes to your FEHB enrollment However you are subject to OPM rules for employees who do not participate in premium conversion
An important difference is that a tribal employee who does not participate in premium conversion may cancel hisher FEHB enrollment or change from a Self and Family to a Self Only enrollment at any time
If you do not participate in premium conversion please refer to QLE Table 5 of the SF 2809 at wwwopmgovformspdf_fillsf2809pdf for detailed information If you need assistance in accessing the SF 2809 or have additional questions please contact your tribal employer
13
Appendix D FEHB Member Survey Results
Each year FEHB plans with 500 or more subscribers mail the Consumers Assessment of Healthcare Providers and Systems (CAHPS)1 to a random sample of plan members For Health Maintenance Organizations (HMO)PointshyofshyService (POS) and High Deductible Health Plans (HDHP) and ConsumershyDriven Health Plans (CDHP) the sample includes all commercial plan members including nonshyFederal members For FeeshyforshyService (FFS)Preferred Provider Organization (PPO) plans the sample includes Federal members only The CAHPS survey asks questions to evaluate membersrsquo satisfaction with their health plans Independent vendors certified by the National Committee for Quality Assurance administer the surveys
OPM reports each planrsquos scores on the various survey measures by showing the percentage of satisfied members on a scale of 0 to 100 Also we list the national average for each measure Since we offer HMO plans FFSPPO plans HDHP and CDHP plans we compute a separate national average for each plan type
Survey findings and member ratings are provided for the following key measures of member satisfaction
bull Overall Plan Satisfaction ndash This measure is based on the question ldquoUsing any number from 0 to 10 where 0 is the worst health plan possible and 10 is the best health plan possible what number would you use to rate your health planrdquo We report the percentage of respondents who rated their plan 8 or higher
bull Getting Needed Care ndash How often was it easy to get an appointment the care tests or treatment you thought you needed through your health plan
bull Getting Care Quickly ndash When you needed care right away how often did you get care as soon as you thought you needed Not counting the times you needed care right away how often did you get an appointment at a doctors office or clinic as soon as you wanted
bull How Well Doctors Communicate ndash How often did your personal doctor explain things in a way that was easy to understand How often did your personal doctor listen carefully to you show respect for what you had to say and spend enough time with you
bull Customer Service ndash How often did your health planrsquos customer service department give you the information or help you needed How often did your health planrsquos customer service staff treat you with courtesy and respect How often were the forms from your health plan easy to fill out
bull Claims processing ndash How often did your health plan handle your claims quickly and correctly
bull Plan Information on Costs ndash How often were you able to find out from your health plan how much you would have to pay for a health care service or equipment or for specific prescription drug medicines
In evaluating plan scores you can compare individual plan scores against other plans and against the national averages Generally new plans and those with fewer than 500 FEHB subscribers do not conduct CAHPS Therefore some of the plans listed in the Guide will not have survey data 1 CAHPS is a registered trademark of the Agency for Healthcare Research and Quality (AHRQ)
14
Appendix E FEHB Plan Comparison Charts
Nationwide FeeshyforshyService Plans (Pages 16 through 19)
FeeshyforshyService (FFS) plans with a Preferred Provider Organization (PPO) ndash A FeeshyforshyService plan provides flexibility in using medical providers of your choice You may choose medical providers who have contracted with the health plan to offer discounted charges You may also choose medical providers who do not contract with the plan but you will pay more of the cost
Medical providers who have contracts with the health plan (Preferred Provider Organization or PPO) have agreed to accept the health planrsquos reimbursement You usually pay a copayment or a coinsurance amount and do not file claims or other paperwork Going to a PPO hospital does not guarantee PPO benefits for all services received in the hospital however Lab work radiology and other services from independent practishytioners within the hospital are frequently not covered by the hospitalrsquos PPO agreement If you receive treatshyment from medical providers who are not contracted with the health plan you either pay them directly and submit a claim for reimbursement to the health plan or the health plan pays the provider directly according to plan coverage and you pay a deductible coinsurance or the balance of the billed charge In any case you pay a greater amount in outshyofshypocket costs
PPOshyonly ndash A PPOshyonly plan provides medical services only through medical providers that have contracts with the plan With few exceptions there is no medical coverage if you or your family members receive care from providers not contracted with the plan
FeeshyforshyService plans open only to specific groups ndash Several FeeshyforshyService plans that are sponshysored or underwritten by an employee organization strictly limit enrollment to persons who are members of that organization If you are not certain if you are eligible check with your human resources office first
The Health Maintenance Organization (HMO) and PointshyofshyService (POS) section begins on page 21
The High Deductible Health Plan (HDHP) and ConsumershyDriven Health Plan (CDHP) section begins on page 60
Please note that the premium rates provided are the maximum amount you will be expected to pay for your premium Your tribal employer may choose to pay a higher portion of your premium Please check with your tribal employer for exact rates
The tables on the following pages highlight selected features that may help you narrow your choice of health plans The tables do not show all of your possible outshyofshypocket costs All benefits are subject to the definitions limitations and exclusions set forth in each planrsquos Federal brochure which is the official statement of benefits available under the planrsquos contract with the Office of Personnel Management Always consult plan brochures before making your final decision
15
Nationwide FeeshyforshyService Plans
How to read this chart
The table below highlights selected features that may help you narrow your choice of health plans Always consult plan brochures before making your final decision The chart does not show all of your possible outshyofshypocket costs
The Deductibles shown are the amount of covered expenses that you pay before your health plan begins to pay
Calendar Year deductibles for families are two or more times the per person amount shown
In some plans your combined Prescription Drug purchases from Mail Order and local pharmacies count toward the deductible In other plans only purchases from local pharmacies count Some plans require each family member to meet a per person deductible
The Hospital Inpatient deductible is what you pay each time you are admitted to a hospital
Doctors shows what you pay for inpatient surgical services and for office visits
Your share of Hospital Inpatient Room and Board covered charges is shown
Your Maximum Monthly Premium is the maximum amount you will pay for your premium Your tribal employer may choose to pay a higher portion of your premium Check with your tribal employer for exact rates
Temporary Continuation of Coverage (TCC) allows former tribal employees and formerly eligible family members to continue their FEHB coverage for a limited period Under TCC you pay the total monthly premium (enrolleersquos share plus the tribal employerrsquos share) plus a 2 administrative charge which equals 102 of Total Monthly Premium
Plan Name Open to All Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your
Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
APWU Health Plan (APWU) shyhigh
Blue Cross and Blue Shield Service Benefit Plan (BCBS) shystd
Blue Cross and Blue Shield Service Benefit Plan (BCBS) shybasic
GEHA Benefit Plan (GEHA) shyhigh
GEHA Benefit Plan (GEHA) shystd
MHBP shystd
MHBP shyValue Plan
NALC shyhigh
NALC Value Option
SAMBA shyhigh
SAMBA shystd
800shy222shy2798
Local phone
Local phone
800shy821shy6136
800shy821shy6136
800shy410shy7778
800shy410shy7778
888shy636shy6252
888shy636shy6252
800shy638shy6589
800shy638shy6589
471
104
111
311
314
454
414
321
KM1
441
444
472
105
112
312
315
455
415
322
KM2
442
445
13670
19028
13209
20317
10418
20913
11302
16122
9001
27523
13171
30910
44412
30930
48310
23691
50565
26946
32727
19546
70356
30081
55776
62875
53893
64190
42505
64798
46114
59911
36724
71540
53739
126114
142015
126195
145991
96659
148291
109939
130096
79748
168477
122733
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
16
Prescription Drugs ndash Prescription Drug Payment Levels shy Plans use terms such as Level (L I L II) or Tier (T1 T2) to show what you pay for generic or brand name prescription drugs The payment levels that plans use follow L I or Tier 1 includes generic drugs but may include some preferred brands L II or Tier 2 includes preferred brands and may include some generics L III or Tier 3 includes nonshypreferred brands other covered drugs and with some exceptions specialty drugs L IV or Tier 4 includes mostly preferred specialty drugs L V or Tier 5 generally includes nonshypreferred specialty drugs
Mail Order Discounts ndash If your plan has a Mail Order program (typically for maintenance drugs) and its response is ldquoYesrdquo in general its Mail Order program is superior to its retail pharmacy benefit (eg you obtain a greater quantity for less cost than retail pharmacy purchases) If your plan does not have a Mail Order program or it does not offer a superior benefit to retail pharshymacy purchases the response will be ldquoNordquo
The prescription drug copayments or coinsurances described in this chart do not represent the complete range of costshysharing under these plans Many plans have variations in their prescription drug benefits (eg you pay the greater of a dollar amount or a percentage or you pay one amount for your first prescription and then a different amount for refills) You must read the plan brochure for a complete description of prescription drug and all other benefits
MedicalshySurgical ndash You Pay
Copay ($)Coinsurance ()
Plan
APWU shyhigh
BCBS shystd
BCBS shybasic
GEHA shyhigh
GEHA shystd
MHBP shystd
MHBP shyvalue
NALC shyhigh
NALC shyValue
SAMBA shyhigh
SAMBA shystd
Benefit Type
Per Person
Calendar Year
Prescription Drug
Hospital Inpatient
Do
Office Visits
ctors
Inpatient Surgical Services
Hospital Inpatient
RampB Level I
Prescription Drugs
Level II Level III
PPO $275 None None $18 10 10 $8 2525 Yes NonshyPPO $500 None $300 30+diff 30+diff 30 50 5050 Yes
PPO $350 None $250 $20 15 Nothing 2015 Medicare B T2 30$80 T3 45$105 Yes NonshyPPO $350 None $350 + 35+ 35+ 35+ Nothing 45+ T1shyT5 T4 30$35$95 T5 30$55$155 Yes
PPO None None $175day $875 Max $25 $200 Nothing $1030day $3090day T2 $45 T3 50($55Min) T4 $50to$140 T5 $70to$195
NA
PPO $350 None $100 $20 10 Nothing $10 25 Max $150NA Yes NonshyPPO $350 None $300 25 25 Nothing $10 25 Max $150 +NA Yes
PPO $350 None None $10 15 15 $10 50 Max $200NA Yes NonshyPPO $350 None None 35 35 35 $10 50 Max $200 +NA Yes
PPO $400 None $200 $20 10 Nothing $5 30($200 max)50($200 max) Yes NonshyPPO $600 None $500 30 30 30 50 5050 Yes
PPO $600 None None $30 20 20 $10 4575 Yes NonshyPPO $900 Not Covered None 40 40 40 Not Covered Not Covered Yes
PPO $300 None $200 $20 15 Nothing 20 3045 Yes NonshyPPO $300 None $350 30 30 30 45+ 45+45+ Yes
NonshyPPO $4000 None 50 50 50 50 50 5050+ No PPO $2000 None 20 20 20 20 $10 $40$60 No
PPO $300 None $200 $20 10 Nothing $8 20($55 max)35($100 max) Yes NonshyPPO $300 None $300 30 30 30 $8 20($55 max)35($100 max) Yes
PPO $350 None $150 up to $450 $20 15 Nothing $8 30($70 max)40($110 max) Yes NonshyPPO $350 None $200 up to $600 35 35 35 $8 30($70 max)40($110 max) Yes
Deductible
Mail Order Discounts
17
Nationwide FeeshyforshyService Plans
Member Survey results are collected scored and reported by an independent organization ndash not by the health plans See Appendix D for a fuller explanation of each survey category
Overall Plan Satisfaction bull How would you rate your overall experience with your health plan
Getting Needed Care bull How often was it easy to get an appointment the care tests or treatment you thought you needed through your health plan
Getting Care Quickly bull When you needed care right away how often did you get care as soon as you thought you needed bull Not counting the times you needed care right away how often did you get an appointment at a doctorrsquos office or clinic as soon as you thought you needed
How Well Doctors bull How often did your personal doctor explain things in a way that was easy to understand Communicate bull How often did your personal doctor listen carefully to you show respect for what you had to say and spend enough time with you
Customer Service bull How often did written materials or the Internet provide the information you needed about how your health plan works bull How often did your health planrsquos customer service give you the information or help you needed bull How often were the forms from your health plan easy to fill out
Claims Processing bull How often did your health plan handle your claims quickly and correctly
Plan Information on Costs bull How often were you able to find out from your health plan how much you would have to pay for a health care service or equipment or for specific prescription drug medicines
APWU Health Plan shyhigh
Blue Cross and Blue Shield Service Benefit Plan shystd
Blue Cross and Blue Shield Service Benefit Plan shybasic
GEHA Benefit Plan shyhigh
GEHA Benefit Plan shystd
MHBP shystd
MHBP shyValue Plan
NALC shyhigh
NALC shyValue Option
SAMBA shyhigh
SAMBA shystd
Plan Name Open to All
FFS National A
Member Survey Results
47 47
10 10
11
31 31
31 31
45 45
41 41
32 32
KM KM
44 44
44 44
Plan Code
verage 805
772
835
757
838
725
84
63
856
897
816
Overall plan satisfaction
927
927
946
896
934
907
938
908
936
947
93
Getting needed care
917
935
917
891
922
895
916
857
922
943
905
Getting care quickly
951
951
955
95
961
949
935
929
959
96
956
How well doctors
communicate
911
89
926
921
912
875
906
866
934
946
911
Customer service
934
921
956
936
929
926
954
887
965
953
946
Claims processing
716
682
703
643
699
688
696
636
771
789
757
Plan Information on Costs
18
FeeshyforshyService Plans ndash Blue Cross and Blue Shield Service Benefit Plan ndash Member Survey Results for Select States
Again this year we are providing more detailed information regarding the quality of services provided by our health plans We are including the results of the Member Satisfaction survey at the state level for eight local Blue Cross Blue Shield (BCBS) Plans
Plan Name Location
Member Survey Results
Plan Code
Overall plan satisfaction
Getting needed care
Getting care quickly
How well doctors
communicate Customer service
Claims processing
Plan Inforshymation on Costs
FFS National Average 805 927 917 951 911 934 716
Blue Cross and Blue Shield Service shy Standard Benefit Plan shy Basic
Arizona 10 11
851 747
905 898
919 884
933 923
938 914
969 928
724 680
Blue Cross and Blue Shield Service shy Standard Benefit Plan shy Basic
California 10 11
809 705
915 873
897 840
954 943
881 910
937 912
677 616
Blue Cross and Blue Shield Service shy Standard Benefit Plan shy Basic
District of Columbia 10 11
768 691
935 893
930 874
951 940
882 881
898 922
657 622
Blue Cross and Blue Shield Service shy Standard Benefit Plan shy Basic
Florida 10 11
864 806
942 916
922 894
952 947
934 916
954 937
733 660
Blue Cross and Blue Shield Service shy Standard Benefit Plan shy Basic
Illinois 10 11
861 796
933 912
934 881
955 950
901 936
972 938
712 653
Blue Cross and Blue Shield Service shy Standard Benefit Plan shy Basic
Maryland 10 11
857 770
931 897
917 898
954 940
897 921
956 967
713 666
Blue Cross and Blue Shield Service shy Standard Benefit Plan shy Basic
Texas 10 11
887 825
934 898
931 883
950 955
936 910
957 967
721 617
Blue Cross and Blue Shield Service shy Standard Benefit Plan shy Basic
Virginia 10 11
871 782
924 901
929 894
966 962
914 917
959 960
708 681
19
The tables on the following pages highlight selected features that may help you narrow your choice of health plans The tables do not show all of your possible outshyofshypocket costs All benefits are subject to the definitions limitations and exclusions set forth in each planrsquos Federal brochure which is the official statement of benefits available under the planrsquos contract with the Office of Personnel Management Always consult plan brochures before making your final decision
20
Appendix E FEHB Plan Comparison Charts
Health Maintenance Organization Plans and Plans Offering a PointshyofshyService Product
(Pages 22 through 59)
Health Maintenance Organization (HMO) ndash A Health Maintenance Organization provides care through a network of physicians and hospitals in particular geographic or service areas HMOs coordinate the health care service you receive and free you from completing paperwork or being billed for covered services Your eligibility to enroll in an HMO is determined by where you live or for some plans where you work bull The HMO provides a comprehensive set of services ndash as long as you use the doctors and hospitals affiliated with the HMO
HMOs charge a copayment for primary physician and specialist visits and sometimes a copayment for inshyhospital care bull Most HMOs ask you to choose a doctor or medical group as your primary care physician (PCP) Your PCP provides your
general medical care In many HMOs you must get authorization or a ldquoreferralrdquo from your PCP to see other providers The referral is a recommendation by your physician for you to be evaluated andor treated by a different physician or medical professional The referral ensures that you see the right provider for the care appropriate to your condition
bull Medical care from a provider not in the planrsquos network is not covered unless itrsquos emergency care or your plan has an arrangement with another plan
Plans Offering a PointshyofshyService (POS) Product ndash A PointshyofshyService plan is like having two plans in one ndash an HMO and an FFS plan A POS allows you and your family members to choose between using (1) a network of providers in a designated service area (like an HMO) or (2) OutshyofshyNetwork providers (like an FFS plan) When you use the POS network of providers you usually pay a copayment for services and do not have to file claims or other paperwork If you use nonshyHMO or nonshyPOS providers you pay a deductible coinsurance or the balance of the billed charge In any case your outshyofshypocket costs are higher and you file your own claims for reimbursement
The tables on the following pages highlight what you are expected to pay for selected features under each plan Always consult plan brochures before making your final decision
Primary careSpecialist office visit copay ndash Shows what you pay for each office visit to your primary care doctor and specialist Contact your plan to find out what providers it considers specialists
Hospital per stay deductible ndash Shows the amount you pay when you are admitted into a hospital
Prescription drugs ndash Prescription Drug Payment Levels shy Plans use terms such as Level (L I L II) or Tier (T1 T2) to show what you pay for generic or brand name prescription drugs The payment levels that plans use follow L I or Tier 1 includes generic drugs but may include some preferred brands L II or Tier 2 includes preferred brands and may include some generics L III or Tier 3 includes nonshypreferred brands other covered drugs and with some exceptions specialty drugs L IV or Tier 4 includes mostly preferred specialty drugs L V or Tier 5 generally includes nonshypreferred specialty drugs
Mail Order Discounts ndash If your plan has a Mail Order program (typically for maintenance drugs) and its response is ldquoYesrdquo in general its Mail Order program is superior to its retail pharmacy benefit (eg you obtain a greater quantity for less cost than retail pharmacy purchases) If your plan does not have a Mail Order program or it does not offer a superior benefit to retail pharmacy purchases the response will be ldquoNordquo
Member Survey Results ndash See Appendix D for a description
Temporary Continuation of Coverage (TCC) ndash Allows former tribal employees and formerly eligible family members to continue their FEHB coverage for a limited period Under TCC you pay the total monthly premium (enrolleersquos share plus the tribal employerrsquos share) plus a 2 administrative charge which equals 102 of Your Total Monthly Premium
Your maximum monthly premium is the maximum amount you will be expected to pay for your premium Your tribal employer may choose to pay a higher portion of your premium Please check with your tribal employer for exact rates
21
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Alabama
Aetna Value Planshy Most of Alabama 877shy459shy6604
Alaska
Aetna Value Planshy Most of Alaska 877shy459shy6604
Arizona
Aetna Value Planshy All of Arizona 877shy459shy6604
Aetna Open Access shyHighshy Phoenix and Tucson Areas 877shy459shy6604
Health Net of Arizona Inc shyHighshy MaricopaPimaOther AZ counties 800shy289shy2818
Health Net of Arizona Inc shyStdshy MaricopaPimaOther AZ counties 800shy289shy2818
Humana Health Plan Inc shyHighshy Phoenix 888shy393shy6765
Humana Health Plan Inc shyStdshy Phoenix 888shy393shy6765
Humana Health Plan Inc shyHighshy Tucson 888shy393shy6765
Humana Health Plan Inc shyStdshy Tucson 888shy393shy6765
Arkansas
Aetna Value Planshy Most of Arkansas 877shy459shy6604
QualChoice shyHighshy All of Arkansas 800shy235shy7017
QualChoice shyStdshy All of Arkansas 800shy235shy7017
F54 F55
JS4 JS5
G54 G55
WQ1 WQ2
A71 A72
A74 A75
BF1 BF2
BF4 BF5
C71 C72
C74 C75
F54 F55
DH1 DH2
DH4 DH5
13058 29656
17258 41140
12822 29119
33482 89188
26548 80303
19509 62476
13880 30882
12491 27794
15825 35210
13149 29256
13058 29656
30353 76056
14296 38452
53279 120995
61069 138677
52315 118808
77618 187686
70545 178623
63365 160440
56629 125999
50965 113400
59608 132629
53648 119367
53279 120995
74426 174291
58048 135935
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
22
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay
deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How
well
doctors
communicate
Customer
service
Claims
processing
Plan
Information
on
Costs
Alabama
Aetna Value Plan InshyNetwork $25$40 20 $10
HMOPOS Nationa
30to$60050 to$1200 Yes
l Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Alaska
Aetna Value Plan InshyNetwork
4040
$25$40
40
20
50+
$10
50+50+
30to$60050 to$1200
No
Yes Aetna Value Plan OutshyNetwork
Arizona
Aetna Value Plan InshyNetwork
4040
$25$40
40
20
50+
$10
50+50+
30to$60050 to$1200
No
Yes Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Health Net of Arizona IncshyHigh
Health Net of Arizona IncshyStandard
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
Arkansas
Aetna Value Plan InshyNetwork
4040
$20$35
$20$40
$25$50
$20$35
$25$40
$20$35
$25$40
$25$40
40
$250day x 4
$250dayx5
25
$250day x 3
$500day x 3
$250day x 3
$500day x 3
20
50+
$10
$10
$10
$10
$10
$10
$10
$10
50+50+
$35$100
$3050
$4050
$40$60
$40$60
$40$60
$40$60
30to$60050 to$1200
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
602
676
676
838
888
888
861
843
843
923
939
939
849
884
884
918
921
921
636
686
686
Aetna Value Plan OutshyNetwork
QualChoice InshyNetwork
QualChoice OutshyNetwork
QualChoice InshyNetwork
4040
$20$30
4040
$20$40
40
$100max$500
40
$200max$1000
50+
$0
NA
$5
50+50+
$40$60
NA
$40$60
No
Yes
NA
Yes
23
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
California
Aetna Value Planshy Most of California 877shy459shy6604
Aetna HMO shy Los Angeles and San Diego Areas 877shy459shy6604
Anthem Blue Cross Select HMO shyHighshy Southern California 800shy235shy8631
Blue Shield of CA Access+HMO shyHighshy Southern Region 800shy880shy8086
Health Net of California shyHighshy Northern Region 800shy522shy0088
Health Net of California shyStdshy Northern Region 800shy522shy0088
Health Net of California shyHighshy Southern Region 800shy522shy0088
Health Net of California shyStdshy Southern Region 800shy522shy0088
Kaiser Foundation Health Plan shy Basic Option shy Northern California 800shy464shy4000
Kaiser Foundation Health Plan of California shyHighshy Northern California 800shy464shy4000
Kaiser Foundation Health Plan of California shyStdshy Northern California 800shy464shy4000
Kaiser Foundation Health Plan of California shyHighshy Southern California 800shy464shy4000
Kaiser Foundation Health Plan of California shyStdshy Southern California 800shy464shy4000
UnitedHealthcare of California shyHighshy Central and Southern California 866shy546shy0510
UnitedHealthcare of California shyStdshy Central and Southern California 866shy546shy0510
Colorado
Aetna Value Planshy All of Colorado 877shy459shy6604
Kaiser Foundation Health Plan of Colorado shyHighshy DenverBoulderSouthern Colorado areas 800shy632shy9700
Kaiser Foundation Health Plan of Colorado shyStdshy DenverBoulderSouthern Colorado areas 800shy632shy9700
Connecticut
Aetna Value Planshy All of Connecticut 877shy459shy6604
Delaware
Aetna Value Planshy All of Delaware 877shy459shy6604
Aetna Open Access shyHighshy KentNew CastleSussex areas 877shy459shy6604
Aetna Open Access shyBasicshy KentNew CastleSussex areas 877shy459shy6604
JS4 JS5
2X1 2X2
B31 B32
SI1 SI2
LB1 LB2
LB4 LB5
LP1 LP2
LP4 LP5
KC1 KC2
591 592
594 595
621 622
624 625
CY1 CY2
CY4 CY5
G54 G55
651 652
654 655
EP4 EP5
EP4 EP5
P31 P32
P34 P35
17258 41140
15940 41769
18194 43825
18445 42566
77474 182834
71405 168807
30687 74663
27027 66198
18293 47705
35345 91275
22772 58183
14073 35293
9019 20845
22819 54699
13109 30036
12822 29119
23933 55581
9887 22345
12694 28827
12694 28827
64801 164359
49560 118027
61069 138677
59725 139319
62024 141416
62280 140132
122490 283205
116299 268898
74767 172871
71034 164236
62125 145373
79518 189815
66694 156061
57420 132713
36797 85048
66742 152507
53485 122549
52315 118808
67878 153407
40339 91170
51792 117616
51792 117616
109563 264361
94017 217102
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
24
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay
deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How
well
doctors
communicate
Customer
service
Claims
processing
Plan
Information
on
Costs
California
Aetna Value Plan InshyNetwork $25$40 20 $10
HMO
30to$60050 to$1200
POS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Anthem Blue Cross Select HMOshyHigh
Blue Shield of CA Access+HMOshyHigh
Health Net of CaliforniashyHigh
Health Net of CaliforniashyStandard
Health Net of CaliforniashyHigh
Health Net of CaliforniashyStandard
Kaiser Foundation HP shy Basic Option
Kaiser Foundation HP of CaliforniashyHigh
Kaiser Foundation HP of CaliforniashyStandard
Kaiser Foundation HP of CaliforniashyHigh
Kaiser Foundation HP of CaliforniashyStandard
UnitedHealthcare of CaliforniashyHigh
UnitedHealthcare of CaliforniashyStandard
Colorado
Aetna Value Plan InshyNetwork
4040
$20$35
$25$35
$20$30
$20$30
$30$50
$20$30
$30$50
$25$35
$15$25
$30$40
$15$25
$30$40
$20$35
$25$40
$25$40
40
$250day x 4
$250max4days
$200 x 3 days
$150dayx5
$750
$150dayx5
$750
20
$250
$500
$250
$500
$150day x 4
30
20
50+
$10
$5$40$60
$10
$10
$15
$10
$15
$15
$10
$15
$10
$15
$10
$10
$10
50+50+
$35$100
$5$40$70$60
$3550
$35$60
$35$65
$35$60
$35$65
$35$35
$30$30
$35$35
$30$30
$35$35
$35$60
$25$50
30to$60050 to$1200
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
579
726
67
67
67
67
798
798
833
833
701
701
766
844
816
816
816
816
884
884
828
828
80
80
781
802
81
81
81
81
848
848
807
807
804
804
896
937
93
93
93
93
925
925
932
932
923
923
769
90
831
831
831
831
872
872
878
878
825
825
849
855
841
841
841
841
793
793
771
771
889
889
648
646
638
638
638
638
63
63
687
687
57
57
Aetna Value Plan OutshyNetwork
Kaiser Foundation HP of ColoradoshyHigh
Kaiser Foundation HP of ColoradoshyStandard
Connecticut
Aetna Value Plan InshyNetwork
4040
$20$40
$20$40
$25$40
40
$250x3
10
20
50+
$10
$15
$10
50+50+
$35$60
$40$80
30to$60050 to$1200
No
Yes
Yes
Yes
722
722
884
884
873
873
936
936
876
876
879
879
622
622
Aetna Value Plan OutshyNetwork
Delaware
Aetna Value Plan InshyNetwork
4040
$25$40
40
20
50+
$10
50+50+
30to$60050 to$1200
No
Yes Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Aetna Open AccessshyBasic
4040
$20$35
$15$35
40
$250day x 4
20 Plan Allow
50+
$10
$5
50+50+
$35$100
$35$100
No
Yes
Yes
602
602
862
862
855
855
972
972
865
865
872
872
618
618
25
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
District of Columbia
Aetna Value Plan shy All of Washington DC
Aetna Open Access shyHighshy Washington DC Area
Aetna Open Access shyBasicshy Washington DC Area
CareFirst BlueChoice shyHighshy Washington DC Metro Area
CareFirst BlueChoice shyStdshy Washington DC Metro Area
Kaiser Foundation Health Plan MidshyAtlantic States shyHighshy Washington DC area
Kaiser Foundation Health Plan MidshyAtlantic States shyStdshy Washington DC area
MD IPA shyHighshy Washington DC area
Florida
Aetna Value Plan shy Most of Florida
AvMed Health Plans shyHighshy Broward Dade and Palm Beach
AvMed Health Plans shyStdshy Broward Dade and Palm Beach
Capital Health Plan shyHighshy Tallahassee area
Coventry Health Plan of Florida shyHighshy Southern Florida
Coventry Health Plan of Florida shyStdshy Southern Florida
Humana Value Plan shy Tampa Area
Humana Value Plan shy South Florida Area
Humana Medical Plan Inc shyHighshy Orlando
Humana Medical Plan Inc shyStdshy Orlando
Humana Medical Plan Inc shyHighshy South Florida
Humana Medical Plan Inc shyStdshy South Florida
Humana Medical Plan Inc shyHighshy Daytona
Humana Medical Plan Inc shyStdshy Daytona
Humana Medical Plan Inc shyHighshy Tampa
Humana Medical Plan Inc shyStdshy Tampa
877shy459shy6604
877shy459shy6604
877shy459shy6604
888shy789shy9065
888shy789shy9065
877shy574shy3337
877shy574shy3337
877shy835shy9861
877shy459shy6604
800shy882shy8633
800shy882shy8633
850shy383shy3311
800shy441shy5501
800shy441shy5501
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
F54 F55
JN1 JN2
JN4 JN5
2G1 2G2
2G4 2G5
E31 E32
E34 E35
JP1 JP2
F54 F55
ML1 ML2
ML4 ML5
EA1 EA2
5E1 5E2
5E4 5E5
MJ4 MJ5
QP4 QP5
E21 E22
E24 E25
EE1 EE2
EE4 EE5
EX1 EX2
EX4 EX5
LL1 LL2
LL4 LL5
13058 29656
46867 105610
14021 31351
21177 48693
15284 35429
16926 42124
9646 22186
20245 50123
13058 29656
20336 56279
12604 30253
11679 30949
16664 47450
12501 30003
10247 22697
10247 22697
13149 29256
11834 26331
23153 51514
15825 35210
13880 30882
12491 27794
48720 108398
15825 35208
53279 120995
91271 204437
57208 127913
65067 146381
59056 132852
60731 139681
39358 90520
64116 147840
53279 120995
64209 154119
51424 123431
47650 126273
60464 145113
51005 122414
41809 92606
41809 92606
53648 119367
48282 107430
67082 149259
59608 132629
56629 125999
50965 113400
93161 207280
59608 132627
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
26
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay
deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How
well
doctors
communicate
Customer
service
Claims
processing
Plan
Information
on
Costs
District of Columbia
Aetna Value Plan InshyNetwork $25$40 20 $10
HMOPOS Nationa
30to$60050 to$1200 Yes
l Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Aetna Open AccessshyBasic
CareFirst BlueChoiceshyHigh
CareFirst BlueChoice InshyNetwork
4040
$15$30
$20$35
$25$35
Nothing$35
40
$150day x3
10 Plan Allow
$200
$200
50+
$5
$10
Nothing
Nothing
50+50+
$35$100
$35$100
$35$65
$35$65
No
Yes
Yes
Yes
Yes
69
69
648
648
844
844
86
86
872
872
833
833
942
942
925
925
865
865
846
846
914
914
902
902
567
567
54
54 CareFirst BlueChoice OutshyNetwork
Kaiser Foundation HP MidshyAtlantic StatesshyHigh
Kaiser Foundation HP MidshyAtlantic StatesshyStandard
MD IPAshyHigh
Florida
Aetna Value Plan InshyNetwork
$70$70
$10$20
$20$30
$25$40
$25$40
$500
$100
$250dayx3
$150day x 3
20
Nothing
$7$17 Net
$12$22Net
$7
$10
$35$65
$30$50$45$65
$35$55$50$70
$30$60
30to$60050 to$1200
Yes
Yes
Yes
Yes
Yes
83
83
583
867
867
846
831
831
876
927
927
937
813
813
867
836
836
841
702
702
677
Aetna Value Plan OutshyNetwork
AvMed Health PlansshyHigh
AvMed Health PlansshyStandard
Capital Health PlanshyHigh
Coventry Health Plan of FloridashyHigh
Coventry Health Plan of FloridashyStandard
Humana Value Plan InshyNetwork
4040
$15$40
$25$45
Nothing$15
$15$30
$20$50
$35$55
40
$250dayx3
$300dayx3
$250
Ded + $150x3
Ded + $150x5
20
50+
$5
$10
$15 Tier 1
$3$20
$3$10
$10
50+50+
$30$5030
$40$6030
$40$6020
$50$7020
$40$60
$30 Tier 2 $50 Tier 3
No
No
No
No
No
No
Yes
746
746
855
514
514
877
877
905
808
808
847
847
905
764
764
957
957
953
921
921
919
919
938
827
827
87
87
946
783
783
68
68
755
535
535
Humana Value Plan OutshyNetwork
Humana Value Plan InshyNetwork
5050
$35$55
50
20
$10+
$10
$40+$60+
$40$60
No
Yes Humana Value Plan OutshyNetwork
Humana Medical Plan IncshyHigh
Humana Medical Plan IncshyStandard
Humana Medical Plan IncshyHigh
Humana Medical Plan IncshyStandard
Humana Medical Plan IncshyHigh
Humana Medical Plan IncshyStandard
Humana Medical Plan IncshyHigh
Humana Medical Plan IncshyStandard
5050
$20$35
$25$40
$20$35
$25$40
$20$35
$25$40
$20$35
$25$40
50
$250day x 3
$500day x 3
$250day x 3
$500day x 3
$250day x 3
$500day x 3
$250day x 3
$500day x 3
$10+
$10
$10
$10
$10
$10
$10
$10
$10
$40+$60+
$40$60
$40$60
$40$60
$40$60
$40$60
$40$60
$40$60
$40$60
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
529
529
86
86
824
824
937
937
846
846
843
843
687
687
27
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Georgia
Aetna Value Planshy All of Georgia
Aetna Open Access shyHighshy Atlanta and Athens Areas
Humana Value Plan shy Atlanta Area
Humana Value Plan shy Macon Area
Humana Employers Health of Georgia Inc shyHighshy Columbus
Humana Employers Health of Georgia Inc shyStdshy Columbus
Humana Employers Health of Georgia Inc shyHighshy Atlanta
Humana Employers Health of Georgia Inc shyStdshy Atlanta
Humana Employers Health of Georgia Inc shyHighshy Macon
Humana Employers Health of Georgia Inc shyStdshy Macon
Kaiser Foundation Health Plan of Georgia shyHighshy Atlanta AthensColumbusMaconSavannah
Kaiser Foundation Health Plan of Georgia shyStdshy Atlanta AthensColumbusMaconSavannah
Guam
Calvos Selectcare shyHighshy Guam Northern Mariana Islands Palau
TakeCare shyHighshy GuamNMarianaIslandsBelau(Palau)
TakeCare shyStdshy GuamNMarianaIslandsBelau(Palau)
Hawaii Aetna Value Planshy All of Hawaii
HMSA shyHighshy All of Hawaii
Kaiser Foundation Health Plan of Hawaii shyHighshy HawaiiKauaiLanaiMauiMolokaiOahu
Kaiser Foundation Health Plan of Hawaii shyStdshy HawaiiKauaiLanaiMauiMolokaiOahu
877shy459shy6604
877shy459shy6604
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy865shy5813
888shy865shy5813
671 479shy7982
671shy647shy3526
671shy647shy3526
877shy459shy6604
800shy776shy4672
808shy432shy5955
808shy432shy5955
F54 F55
2U1 2U2
AD4 AD5
LM4 LM5
CB1 CB2
CB4 CB5
DG1 DG2
DG4 DG5
DN1 DN2
DN4 DN5
F81 F82
F84 F85
B41 B42
JK1 JK2
JK4 JK5
JS4 JS5
871 872
631 632
634 635
13058 29656
44133 104232
10247 22697
10247 22697
15825 35210
13880 30882
15825 35210
13149 29256
15825 35210
13880 30882
15015 36863
10047 22957
11949 31399
12447 36018
10209 26960
17258 41140
11377 25325
14515 32578
7553 16846
53279 120995
88482 203031
41809 92606
41809 92606
59608 132629
56629 125999
59608 132629
53648 119367
59608 132629
56629 125999
58782 134315
40991 93667
48751 128109
50786 133453
41654 109996
61069 138677
46419 103326
58272 129944
30818 68731
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
28
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay
deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How
well
doctors
communicate
Customer
service
Claims
processing
Plan
Information
on
Costs
Georgia
Aetna Value Plan InshyNetwork $25$40 20 $10
HMOP
30to$60050 to$1200
OS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Humana CoverageFirst InshyNetwork
4040
$20$35
$35$55
40
$250day x 4
20
50+
$10
$10
50+50+
$35$100
$40$60
No
Yes
Yes
59 90 878 941 86 857 62
Humana CoverageFirst OutshyNetwork
Humana CoverageFirst InshyNetwork
5050
$35$55
50
20
$10+
$10
$40+$60+
$40$60
No
Yes Humana CoverageFirst OutshyNetwork
Humana Employers Health of Georgia shyHigh
Humana Employers Health of Georgia shyStandard
Humana Employers Health of Georgia shyHigh
Humana Employers Health of Georgia shyStandard
Humana Employers Health of Georgia shyHigh
Humana Employers Health of Georgia shyStandard
Kaiser Foundation HP of GeorgiashyHigh
Kaiser Foundation HP of GeorgiashyStandard
Guam
Calvos Selectcare InshyNetwork
5050
$20$35
$25$40
$20$35
$25$40
$20$35
$25$40
$15$30
$20$35
$15$40
50
$250day x 3
$500day x 3
$250day x 3
$500day x 3
$250day x 3
$500day x 3
$250dayx3
$250dayx3
$200
$10+
$10
$10
$10
$10
$10
$10
$10$20 Comm
$15$25 Comm
$10
$40+$60+
$40$60
$40$60
$40$60
$40$60
$40$60
$40$60
$2550 of AWP
$40$50 Comm $40$50 Comm
$40$50 Comm $40$50 Comm
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
514
794
794
883
845
845
837
85
85
941
935
935
859
884
884
849
839
839
556
625
625
Calvos Selectcare OutshyNetwork
TakeCareshyHigh
TakeCareshyStandard
Hawaii Aetna Value Plan InshyNetwork
3030
$5 at FHP$40
$5 at FHP$40
$25$40
30
$100day for 5
$150day for 5
20
NA
$10
$15
$10
NA
$25$50
$40$80
30to$60050 to$1200
NA
Yes
Yes
Yes
687
687
669
669
686
686
904
904
792
792
786
786
571
571
Aetna Value Plan OutshyNetwork
HMSA InshyNetwork
4040
$15$15
40
$100
50+
$7
50+50+
$30$65
No
Yes 842 914 884 955 878 931 628 HMSA OutshyNetwork
Kaiser Foundation HP of HawaiishyHigh
Kaiser Foundation HP of HawaiishyStandard
3030
$20$20
$30$30
30
$100
10
$7 + 20
$10
$15
$45$45
$50$50
$30 + 20 $65 + 20 No
Yes
Yes
754
754
826
826
815
815
94
94
875
875
811
811
613
613
29
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Idaho
Aetna Value Planshy Most of Idaho 877shy459shy6604
Altius Health Plans shyHighshy Southern Region 800shy377shy4161
Altius Health Plans shyStdshy Southern Region 800shy377shy4161
Group Health Cooperative shyHighshy most of Washington StateampNorthern Idaho 888shy901shy4636
Group Health Cooperative shyStdshy most of Washington StateampNorthern Idaho 888shy901shy4636
SelectHealth shyHighshy Utah Idaho 801shy442shy7497
SelectHealth shyStdshy Utah Idaho 801shy442shy7497
Illinois
Aetna Value Planshy Most of Illinois 877shy459shy6604
Blue Cross and Blue Shield of Illinois shyHighshy Illinois 855shy676shy4482
Blue Preferred Plus POS shyHighshy Madison and St Clair counties 888shy811shy2092
Health Alliance HMO shyHighshy CentralECentralNCentSouthWest Ill 800shy851shy3379
Health Alliance HMO shyStdshy CentralECentralNCentSouthWest Ill 800shy851shy3379
Humana Benefit Plan of Illinois Inc shyHighshy Central and Northwestern Illinois 888shy393shy6765
Humana Benefit Plan of Illinois Inc shyStdshy Central and Northwestern Illinois 888shy393shy6765
Humana Value Plan shy Central Illinois 888shy393shy6765
Humana Value Plan shy Chicago Area 888shy393shy6765
Humana Health Plan Inc shyHighshy Chicago 888shy393shy6765
Humana Health Plan Inc shyStdshy Chicago 888shy393shy6765
Union Health Service shyHighshy Chicago area 312shy423shy4200
United Healthcare of the Midwest Inc shyHighshy Southwest Illinois 877shy835shy9861
UnitedHealthcare Plan of the River Valley Inc shyHighshy West Central Illinois 800shy747shy1446
H44 H45
9K1 9K2
DK4 DK5
541 542
544 545
SF1 SF2
SF4 SF5
H44 H45
A21 A22
9G1 9G2
FX1 FX2
K84 K85
9F1 9F2
AB4 AB5
GB4 GB5
MW4 MW5
751 752
754 755
761 762
B91 B92
YH1 YH2
13093 29732
19819 42542
11798 25954
27070 55009
11742 26509
19210 43095
12435 27741
13093 29732
30483 71121
32158 67069
26932 67294
20323 51891
51805 115264
15825 35210
10247 22697
10247 22697
40638 90413
15825 35210
14109 33787
33072 74273
14091 38330
53418 121307
63682 140107
48136 105894
71078 152824
47908 108156
63060 140671
50737 113183
53418 121307
74559 169258
76267 165125
70937 165354
64196 149643
96307 214284
59608 132629
41809 92606
41809 92606
84917 188936
59608 132629
57566 131177
77200 172473
57491 135811
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
30
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay
deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
6
Getting needed
care
Getting care
quickly
How
well
doctors
communicate
Customer
service
Claims
processing
Plan
Information
on
Costs
Idaho
Aetna Value Plan InshyNetwork $25$40 20 $10
HMO
30to$60050 to$1200
POS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Altius Health PlansshyHigh
Altius Health PlansshyStandard
Group Health CooperativeshyHigh
Group Health CooperativeshyStandard
SelectHealthshyHigh
SelectHealthshyStandard
Illinois
Aetna Value Plan InshyNetwork
4040
$20$30
$20$40
$25$25
$25$35
$15$25
$20$30
$25$40
40
$200
None
$350
$500
$100
$100 after
20
50+
$7
$7
$20
$20
$5 $25$50
$5
$10
50+50+
$25$50
$35$60
$40$60
$40$60
$25$50$50
$25$50
30to$60050 to$1200
No
No
None
Yes
Yes
Yes
Yes
Yes
552
552
659
659
629
629
852
852
86
86
876
876
813
813
869
869
851
851
948
948
941
941
958
958
883
883
912
912
912
912
895
895
881
881
903
903
588
588
692
692
64
64
Aetna Value Plan OutshyNetwork
Blue Cross and Blue Shield of IllinoisshyHigh
Blue Preferred Plus POS InshyNetwork
4040
$20$35
$25$35
40
$200day x 5
$500
50+
$10 copay
$5
50+50+
$40$60
$40$6025 $6025
No
Yes
Yes 647 891 861 961 84 864 685 Blue Preferred Plus POS OutshyNetwork
Health Alliance HMOshyHigh
Health Alliance HMOshyStandard
Humana Benefit Plan of Illinois IncshyHigh
Humana Benefit Plan of Illinois IncshyStandard
Humana Value Plan InshyNetwork
30 after ded
$25$50
$25$50
$20$35
$25$40
$35$55
30 after ded
$200day x 5
20
$250day x 3
$500day x 3
20
NA
$7
$7
$10
$10
$10
NA
$35$70
$35$70
$40$60
$40$60
$40$60
NA
Yes
Yes
Yes
Yes
Yes
745 915 88 962 878 868 67
Humana Value Plan OutshyNetwork
Humana CoverageFirst InshyNetwork
5050
$35$55
50
20
$10+
$10
$40+$60+
$40$60
No
Yes Humana CoverageFirst OutshyNetwork
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
Union Health ServiceshyHigh
United Healthcare of the Midwest IncshyHigh
UnitedHealthcare Plan of the River Valley shyHigh
5050
$20$35
$25$40
$15$15
$25$40
$25$50
50
$250day x 3
$500day x 3
None
$450
20
$10+
$10
$10
$10
$7
$10
$40+$60+
$40$60
$40$60
$35$60
$30$60
$35$50
No
Yes
Yes
Yes
Yes
Yes
647
647
665
577
822
822
919
896
788
788
902
86
943
943
957
956
859
859
892
914
834
834
898
918
66
66
732
623
31
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Indiana
Aetna Value Planshy All of Indiana 877shy459shy6604
Health Alliance HMO shyHighshy Western Indiana 800shy851shy3379
Health Alliance HMO shyStdshy Western Indiana 800shy851shy3379
Humana Value Plan shy LakePorterLaPorte Counties 888shy393shy6765
Humana Health Plan of Ohio shyHighshy Portions of Indiana 888shy393shy6765
Humana Health Plan of Ohio shyStdshy Portions of Indiana 888shy393shy6765
Humana Health Plan Inc shyHighshy LakePorterLaPorte Counties 888shy393shy6765
Humana Health Plan Inc shyStdshy LakePorterLaPorte Counties 888shy393shy6765
Humana Health Plan Inc shyHighshy Southern Indiana 888shy393shy6765
Humana Health Plan Inc shyStdshy Southern Indiana 888shy393shy6765
Physicians Health Plan of Northern Indiana shyHighshy Northeast Indiana 260shy432shy6690
Iowa
Aetna Value Planshy All of Iowa 877shy459shy6604
Coventry Health Care of Iowa shyHighshy CentralEasternWestern Iowa 800shy257shy4692
Coventry Health Care of Iowa shyStdshy CentralEasternWestern Iowa 800shy257shy4692
Health Alliance HMO shyHighshy Central and Eastern Iowa 800shy851shy3379
Health Alliance HMO shyStdshy Central and Eastern Iowa 800shy851shy3379
HealthPartners High Option shyNorthern Iowa 800shy883shy2177
HealthPartners Standard Option shyNorthern Iowa 800shy883shy2177
Sanford Health Plan shyHighshy Northwestern Iowa 800shy752shy5863
Sanford Health Plan shyStdshy Northwestern Iowa 800shy752shy5863
UnitedHealthcare Plan of the River Valley Inc shyHighshy Eastern and Central Iowa 800shy747shy1446
JS4 JS5
FX1 FX2
K84 K85
MW4 MW5
A61 A62
A64 A65
751 752
754 755
MH1 MH2
MH4 MH5
DQ1 DQ2
H44 H45
SV1 SV2
SY4 SY5
FX1 FX2
K84 K85
V31 V32
V34 V35
AU1 AU2
AU4 AU5
YH1 YH2
17258 41140
26932 67294
20323 51891
10247 22697
13880 30882
12491 27794
40638 90413
15825 35210
15825 35210
13880 30882
30786 68557
13093 29732
13351 31376
9799 23027
26932 67294
20323 51891
26865 64982
8897 20464
26173 63455
23647 57594
14091 38330
61069 138677
70937 165354
64196 149643
41809 92606
56629 125999
50965 113400
84917 188936
59608 132629
59608 132629
56629 125999
74868 166643
53418 121307
54474 128016
39979 93951
70937 165354
64196 149643
70869 162996
36302 83494
70163 161438
67586 155460
57491 135811
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
32
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay
deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How
well
doctors
communicate
Customer
service
Claims
processing
Plan
Information
on
Costs
Indiana
Aetna Value Plan InshyNetwork $25$40 20 $10
HMO
30to$60050 to$1200
POS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Health Alliance HMOshyHigh
Health Alliance HMOshyStandard
Humana Value Plan InshyNetwork
4040
$25$50
$25$50
$35$55
40
$200day x 5
20
20
50+
$7
$7
$10
50+50+
$35$70
$35$70
$40$60
No
Yes
Yes
Yes
745 915 88 962 878 868 67
Humana Value Plan OutshyNetwork
Humana Health Plan of OhioshyHigh
Humana Health Plan of OhioshyStandard
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
Physicians Health Plan of Northern IndianashyHigh
Iowa
Aetna Value Plan InshyNetwork
5050
$20$35
$25$40
$20$35
$25$40
$20$35
$25$40
$15$15
$25$40
50
$250day x 3
$500day x 3
$250day x 3
$500day x 3
$250day x 3
$500day x 3
20
20
$10+
$10
$10
$10
$10
$10
$10
$10
$10
$40+$60+
$40$60
$40$60
$40$60
$40$60
$40$60
$40$60
$25$50
30to$60050 to$1200
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
647
647
562
822
822
878
788
788
815
943
943
934
859
859
868
834
834
893
66
66
593
Aetna Value Plan OutshyNetwork
Coventry Health Care of IowashyHigh
Coventry Health Care of IowashyStandard
Health Alliance HMOshyHigh
Health Alliance HMOshyStandard
HealthPartners High Option
HealthPartners Standard Option
Sanford Health Plan InshyNetwork
4040
$25$50
$25$50
$25$50
$25$50
$25$45
$0 for 3 then 20
$20$30
40
20
20
$200day x 5
20
Nothing
20 in40 out
$100day x 5
50+
$3 $10
$3 $10
$7
$7
$12
$9
$15
50+50+
$45$70$100
30$5000 Max
$35$70
$35$70
$45$90
$40$70
$30$50
No
Yes
No
Yes
Yes
Yes
Yes
NA
562
562
745
647
647
535
905
905
915
893
893
903
888
888
88
875
875
89
964
964
962
951
951
977
837
837
878
92
92
902
903
903
868
911
911
912
652
652
67
725
725
558 Sanford Health Plan OutshyNetwork
Sanford Health Plan InshyNetwork
4040
$25$25
40
$100day x 5
40+
$15
40+40+
$30$50
NA
NA 535 903 89 977 902 912 558 Sanford Health Plan OutshyNetwork
UnitedHealthcare Plan of the River Valley shyHigh
40+40+
$25$50
40+
20
40+
$10
40+40+
$35$50
NA
Yes 577 896 86 956 914 918 623
33
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Kansas
Aetna Value Planshy Most of Kansas
Aetna Open Access shyHighshy Kansas City area
Coventry Health Care of Kansas shyHighshy Kansas City Metro Area (KS and MO)
Coventry Health Care of Kansas shyStdshy Kansas City Metro Area (KS and MO)
Humana Value Plan shy Kansas City Area
Humana Health Plan Inc shyHighshy Kansas City
Humana Health Plan Inc shyStdshy Kansas City
Kentucky
Aetna Value Planshy Most of Kentucky
Humana Health Plan of Ohio shyHighshy Portions of Kentucky
Humana Health Plan of Ohio shyStdshy Portions of Kentucky
Humana Health Plan Inc shyHighshy Louisville
Humana Health Plan Inc shyStdshy Louisville
Humana Health Plan Inc shyHighshy Lexington
Humana Health Plan Inc shyStdshy Lexington
Louisiana
Aetna Value Planshy Most of Louisiana
Coventry Health Care of Louisiana shyHighshy New Orleans Area
Coventry Health Care of Louisiana shyStdshy New Orleans Area
Humana Health Benefit Plan of Louisiana Inc shyHighshy Baton Rouge
Humana Health Benefit Plan of Louisiana Inc shyStdshy Baton Rouge
Humana Health Benefit Plan of Louisiana Inc shyHighshy New Orleans
Humana Health Benefit Plan of Louisiana Inc shyStdshy New Orleans
877shy459shy6604
877shy459shy6604
800shy969shy3343
800shy969shy3343
888shy393shy6765
888shy393shy6765
888shy393shy6765
877shy459shy6604
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
877shy459shy6604
800shy341shy6613
800shy341shy6613
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
G54 G55
HY1 HY2
HA1 HA2
HA4 HA5
PH4 PH5
MS1 MS2
MS4 MS5
H44 H45
A61 A62
A64 A65
MH1 MH2
MH4 MH5
MI1 MI2
MI4 MI5
F54 F55
BJ1 BJ2
BJ4 BJ5
AE1 AE2
AE4 AE5
BC1 BC2
BC4 BC5
12822 29119
13777 50039
13519 32270
12568 29535
10247 22697
62521 139111
15825 35210
13093 29732
13880 30882
12491 27794
15825 35210
13880 30882
19459 43292
13880 30882
13058 29656
19208 48754
13035 30271
15825 35210
13149 29256
13880 30882
12491 27794
52315 118808
55396 147754
55160 129630
51276 120503
41809 92606
107238 238608
59608 132629
53418 121307
56629 125999
50965 113400
59608 132629
56629 125999
63314 140872
56629 125999
53279 120995
63058 146443
53182 123506
59608 132629
53648 119367
56629 125999
50965 113400
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
34
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay
deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How
well
doctors
communicate
Customer
service
Claims
processing
Plan
Information
on
Costs
Kansas
Aetna Value Plan InshyNetwork $25$40 20 $10
HMO
30to$60050 to$1200
POS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Coventry Health Care of KansasshyHigh
Coventry Health Care of KansasshyStandard
Humana CoverageFirst InshyNetwork
4040
$20$35
$30$60
$30$60
$35$55
40
$250day x 4
25
30
20
50+
$10
$3 $12
$3 $12
$10
50+50+
$35$100
$50$75
$5020
$40$60
No
Yes
Yes
Yes
Yes
639
602
602
862
906
906
862
88
88
94
96
96
838
894
894
901
884
884
538
663
663
Humana CoverageFirst OutshyNetwork
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
Kentucky
Aetna Value Plan InshyNetwork
5050
$20$35
$25$40
$25$40
50
$250day x 3
$500day x 3
20
$10+
$10
$10
$10
$40+$60+
$40$60
$40$60
30to$60050 to$1200
No
Yes
Yes
Yes
676
676
903
903
901
901
951
951
881
881
918
918
729
729
Aetna Value Plan OutshyNetwork
Humana Health Plan of OhioshyHigh
Humana Health Plan of OhioshyStandard
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
Louisiana
Aetna Value Plan InshyNetwork
4040
$20$35
$25$40
$20$35
$25$40
$20$35
$25$40
$25$40
40
$250day x 3
$500day x 3
$250day x 3
$500day x 3
$250day x 3
$500day x 3
20
50+
$10
$10
$10
$10
$10
$10
$10
50+50+
$40$60
$40$60
$40$60
$40$60
$40$60
$40$60
30to$60050 to$1200
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes Aetna Value Plan OutshyNetwork
Coventry Health Care of LouisianashyHigh
Coventry Health Care of LouisianashyStandard
Humana Health Benefit Plan of LA shyHigh
Humana Health Benefit Plan of LA shyStandard
Humana Health Benefit Plan of LA shyHigh
Humana Health Benefit Plan of LA shyStandard
4040
$25$45
$30$55
$20$35
$35$40
$20$35
$35$40
40
Ded+$100
Ded+30
$250day x 3
$500day x 3
$250day x 3
$500day x 3
50+
$5
$5
$10
$10
$10
$10
50+50+
$40$100
$40$100
$40$60
$40$60
$40$60
$40$60
No
Yes
Yes
Yes
Yes
Yes
Yes
573
573
874
874
823
823
968
968
831
831
827
827
625
625
35
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Maine
Aetna Value Planshy All of Maine 877shy459shy6604
Maryland
Aetna Value Planshy All of Maryland 877shy459shy6604
Aetna Open Access shyHighshy NorthernCentralSouthern Maryland Areas 877shy459shy6604
Aetna Open Access shyBasicshy NorthernCentralSouthern Maryland Areas 877shy459shy6604
CareFirst BlueChoice shyHighshy All of Maryland 888shy789shy9065
CareFirst BlueChoice shyStdshy All of Maryland 888shy789shy9065
Coventry Health Care shyHighshy All of Maryland 800shy833shy7423
Coventry Health Care shyStdshy All of Maryland 800shy833shy7423
Kaiser Foundation Health Plan MidshyAtlantic States shyHighshy BaltimoreWashington DC areas 877shy574shy3337
Kaiser Foundation Health Plan MidshyAtlantic States shyStdshy BaltimoreWashington DC areas 877shy574shy3337
MD IPA shyHighshy All of Maryland 877shy835shy9861
Massachusetts
Aetna Value Planshy Most of Massachusetts 877shy459shy6604
Fallon Community Health Plan shyBasicshy CentralEastern Massachusetts 800shy868shy5200
EP4 EP5
F54 F55
JN1 JN2
JN4 JN5
2G1 2G2
2G4 2G5
IG1 IG2
IG4 IG5
E31 E32
E34 E35
JP1 JP2
EP4 EP5
JG1 JG2
12694 28827
13058 29656
46867 105610
14021 31351
21177 48693
15284 35429
14998 37685
13265 30509
16926 42124
9646 22186
20245 50123
12694 28827
29337 80043
51792 117616
53279 120995
91271 204437
57208 127913
65067 146381
59056 132852
58764 135153
54121 124479
60731 139681
39358 90520
64116 147840
51792 117616
73390 178358
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
36
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay
deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How
well
doctors
communicate
Customer
service
Claims
processing
Plan
Information
on
Costs
Maine
Aetna Value Plan InshyNetwork $25$40 20 $10
HMO
30to$60050 to$1200
POS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Maryland
Aetna Value Plan InshyNetwork
4040
$25$40
40
20
50+
$10
50+50+
30to$60050 to$1200
No
Yes Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Aetna Open AccessshyBasic
CareFirst BlueChoiceshyHigh
CareFirst BlueChoice InshyNetwork
4040
$15$30
$20$35
$25$35
Nothing$35
40
$150day x3
10 Plan Allow
$200
$200
50+
$5
$10
Nothing
Nothing
50+50+
$35$100
$35$100
$35$65
$35$65
No
Yes
Yes
Yes
Yes
69
69
648
648
844
844
86
86
872
872
833
833
942
942
925
925
865
865
846
846
914
914
902
902
567
567
54
54 CareFirst BlueChoice OutshyNetwork
Coventry Health CareshyHigh
Coventry Health CareshyStandard
Kaiser Foundation HP MidshyAtlantic StatesshyHigh
Kaiser Foundation HP MidshyAtlantic StatesshyStandard
MD IPAshyHigh
Massachusetts
Aetna Value Plan InshyNetwork
$70$70
$20$40
$20$40
$10$20
$20$30
$25$40
$25$40
$500
$200day x 3
$200day x 3
$100
$250dayx3
$150day x 3
20
Nothing
$3$15
$3$15
$7$17 Net
$12$22Net
$7
$10
$35$65
$30$60
$30$60
$30$50$45$65
$35$55$50$
$30$60
30to$60050 to$1200
Yes
Yes
Yes
Yes
70 Yes
Yes
Yes
563
563
83
83
583
864
864
867
867
846
864
864
831
831
876
969
969
927
927
937
892
892
813
813
867
871
871
836
836
841
606
606
702
702
677
Aetna Value Plan OutshyNetwork
Fallon Community Health PlanshyBasic
4040
$25$35
40
$150to$750max
50+
$10
50+50+
$30$60
No
Yes 627 851 882 929 883 801 649
37
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Michigan
Aetna Value Planshy All of Michigan 877shy459shy6604
Bluecare Network of MI shyHighshy East Region 800shy662shy6667
Bluecare Network of MI shyHighshy Southeast Region 800shy662shy6667
Grand Valley Health Plan shyHighshy Grand Rapids area 616shy949shy2410
Grand Valley Health Plan shyStdshy Grand Rapids area 616shy949shy2410
Health Alliance Plan shyHighshy Southeastern MichiganFlint Area 800shy556shy9765
Health Alliance Plan shyStdshy Southeastern MichiganFlint Area 800shy556shy9765
HealthPlus of MI shyHighshy East Michigan 800shy332shy9161
Total Health Care USA shyHighshy Michigan 800shy826shy2862
Minnesota
Aetna Value Planshy Most of Minnesota 877shy459shy6604
HealthPartners High Option shy Minnesota 800shy883shy2177
HealthPartners Standard Option shy Minnesota 800shy883shy2177
Mississippi Aetna Value Planshy Most of Mississippi 877shy459shy6604
G54 G55
K51 K52
LX1 LX2
RL1 RL2
RL4 RL5
521 522
GY4 GY5
X51 X52
A51 A52
H44 H45
V31 V32
V34 V35
H44 H45
12822 29119
22055 52593
18055 50747
24184 61492
19656 50897
20111 55722
16974 48191
13915 49809
13670 50117
13093 29732
26865 64982
8897 20464
13093 29732
52315 118808
65962 150359
61882 148476
68134 159436
63515 148629
63980 153551
60780 145869
56775 147520
55776 147834
53418 121307
70869 162996
36302 83494
53418 121307
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
38
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How well
doctors
communicate
Customer
service
Claims
processing
Plan Inform
ation
on Costs
Michigan
Aetna Value Plan InshyNetwork $25$40 20 $10
HMOP
30to$60050 to$1200
OS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Bluecare Network of MIshyHigh
Bluecare Network of MIshyHigh
Grand Valley Health PlanshyHigh
Grand Valley Health PlanshyStandard
Health Alliance PlanshyHigh
Health Alliance PlanshyStandard
HealthPlus of MIshyHigh
Total Health Care USAshyHigh
Minnesota
Aetna Value Plan InshyNetwork
4040
$15$25
$15$25
$10$10
$20$20
$10$20
$15$30
$10$20
$15$15
$25$40
40
Nothing
Nothing
Nothing
$500x3
Nothing
Nothing
None
None
20
50+
$10
$10
$5
$10
$5
$15
$0$8
$10
$10
50+50+
$30$60
$30$60
$15$15
NA$40
$50$50
$50$50
$40$60
$40$40
30to$60050 to$1200
No
Yes
Yes
No
No
Yes
Yes
Yes
Yes
Yes
651
651
742
742
793
793
793
899
899
90
90
888
888
919
875
875
912
912
862
862
92
933
933
952
952
943
943
951
884
884
883
883
899
899
946
937
937
836
836
902
902
919
672
672
795
795
656
656
658
Aetna Value Plan OutshyNetwork
HealthPartners High Option
HealthPartners Standard Option
Mississippi Aetna Value Plan InshyNetwork
4040
$25$45
$0 for 3 then 20
$25$40
40
Nothing
20 in40 out
20
50+
$12
$9
$10
50+50+
$45$90
$40$70
30to$60050 to$1200
No
Yes
Yes
Yes
647
647
893
893
875
875
951
951
92
92
911
911
725
725
Aetna Value Plan OutshyNetwork 4040 40 50+ 50+50+ No
39
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Missouri Aetna Value Planshy Most of Missouri
Aetna Open Access shyHighshy Kansas City area
Blue Preferred Plus POS shyHighshy StLouisCentralSW areas
Coventry Health Care of Kansas shyHighshy Kansas City Metro Area (KS and MO)
Coventry Health Care of Kansas shyStdshy Kansas City Metro Area (KS and MO)
Humana Value Plan shy Kansas City Area
Humana Health Plan Inc shyHighshy Kansas City
Humana Health Plan Inc shyStdshy Kansas City
United Healthcare of the Midwest Inc shyHighshy St Louis Area
Montana
Aetna Value Planshy SouthSoutheastWestern MT Areas
Nebraska
Aetna Value Planshy All of Nebraska
Nevada
Aetna Value Planshy Las Vegas Area
Aetna Open Access shyHighshy Clark County and Las Vegas areas
Health Plan of Nevada shyHighshy Las VegasEsmeralda and Nye counties
New Hampshire
Aetna Value Planshy All of New Hampshire
877shy459shy6604
877shy459shy6604
888shy811shy2092
800shy969shy3343
800shy969shy3343
888shy393shy6765
888shy393shy6765
888shy393shy6765
877shy835shy9861
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy545shy7378
877shy459shy6604
G54 G55
HY1 HY2
9G1 9G2
HA1 HA2
HA4 HA5
PH4 PH5
MS1 MS2
MS4 MS5
B91 B92
H44 H45
H44 H45
G54 G55
HF1 HF2
NM1 NM2
EP4 EP5
12822 29119
13577 50039
32158 67069
13519 32270
12568 29535
10247 22697
62521 139111
15825 35210
33072 74273
13093 29732
13093 29732
12822 29119
11267 36491
9883 23303
12694 28827
52315 118808
55396 147754
76267 165125
55160 129630
51276 120503
41809 92606
107238 238608
59608 132629
77200 172473
53418 121307
53418 121307
52315 118808
45970 133935
40322 95078
51792 117616
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
40
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How well
doctors
communicate
Customer
service
Claims
processing
Plan Inform
ation
on Costs
Missouri Aetna Value Plan InshyNetwork $25$40 20 $10
HMOP
30to$60050 to$1200
OS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
4040
$20$35
40
$250day x 4
50+
$10
50+50+
$35$100 $40$60
No
Yes 639 862 862 94 838 901 538
Blue Preferred Plus POS InshyNetwork $25$35 $500 $5 25$6025 Yes 647 891 861 961 84 864 685 Blue Preferred Plus POS OutshyNetwork Coventry Health Care of KansasshyHigh
Coventry Health Care of KansasshyStandard
Humana Value Plan InshyNetwork
30 after ded $30$60
$30$60
$35$55
30 after ded 25
30
20
NA $3 $12
$3 $12
$10
NA $50$75
$5020
$40$60
NA Yes
Yes
Yes
602
602
906
906
88
88
96
96
894
894
884
884
663
663
Humana Value Plan OutshyNetwork
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
United Healthcare of the Midwest IncshyHigh
Montana
Aetna Value Plan InshyNetwork
5050
$20$35
$25$40
$25$40
$25$40
50
$250day x 3
$500day x 3
$450
20
$10+
$10
$10
$7
$10
$40+$60+
$40$60
$40$60
$30$60
30to$60050 to$1200
No
Yes
Yes
Yes
Yes
676
676
665
903
903
919
901
901
902
951
951
957
881
881
892
918
918
898
729
729
732
Aetna Value Plan OutshyNetwork
Nebraska
Aetna Value Plan InshyNetwork
4040
$25$40
40
20
50+
$10
50+50+
30to$60050 to$1200
No
Yes Aetna Value Plan OutshyNetwork
Nevada
Aetna Value Plan InshyNetwork
4040
$25$40
40
20
50+
$10
50+50+
30to$60050 to$1200
No
Yes Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Health Plan of NevadashyHigh
New Hampshire
Aetna Value Plan InshyNetwork
4040
$20$35
$10$25
$25$40
40
$250day x 4
$300
20
50+
$10
$7
$10
50+50+
$35$100
$35$55$100
30to$60050 to$1200
No
Yes
Yes
Yes
602
516
838
696
861
66
923
892
849
892
918
912
636
529
Aetna Value Plan OutshyNetwork 4040 40 50+ 50+50+ No
41
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
New Jersey
Aetna Value Planshy All of New Jersey 877shy459shy6604
Aetna Open Access shyHighshy Northern New Jersey 877shy459shy6604
Aetna Open Access shyBasicshy Northern New Jersey 877shy459shy6604
Aetna Open Access shyHighshy Southern NJ 877shy459shy6604
Aetna Open Access shyBasicshy Southern NJ 877shy459shy6604
GHI Health Plan shyHighshy Northern New Jersey 212shy501shy4444
GHI Health Plan shyStdshy Northern New Jersey 212shy501shy4444
New Mexico
Aetna Value Planshy AlbuquerqueDona AnaHobbs Area 877shy459shy6604
Lovelace Health Plan shyHighshy All of New Mexico 800shy808shy7363
Presbyterian Health Plan shyHighshy All counties in New Mexico 800shy356shy2219
EP4 EP5
JR1 JR2
JR4 JR5
P31 P32
P34 P35
801 802
804 805
G54 G55
Q11 Q12
P21 P22
12694 28827
52355 123641
34184 82457
64801 164359
49560 118027
32591 93212
14135 33572
12822 29119
13099 30785
23940 56335
51792 117616
96868 222828
78334 180821
109563 264361
94017 217102
76709 191791
57672 130958
52315 118808
53445 125603
67885 154176
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
42
Primary care Hospital
Prescription Drugs
Member Survey Results
Mail lan
eeded
are
ll icate
r ng rmation
Plan Name ndash Location Specialist
office copay per stay
deductible Level I Level II Level III
order discount
Overall p
satisfaction
Getting n
care
Getting c
quickly
How
we
doctors
commun
Custome
service
Claims
processi
Plan
Info
on
Costs
New Jersey
Aetna Value Plan InshyNetwork $25$40 20 $10
HMO
30to$60050 to$1200
POS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Aetna Open AccessshyBasic
Aetna Open AccessshyHigh
Aetna Open AccessshyBasic
GHI Health Plan InshyNetwork
4040
$20$35
$15$35
$20$35
$15$35
$20$20
40
$250day x 4
20 Plan Allow
$250day x 4
20 Plan Allow
$150max$450
50+
$10
$5
$10
$5
$20
50+50+
$35$100
$35$100
$35$100
$35$100
$45$85
No
Yes
Yes
Yes
Yes
Yes
631
631
631
631
663
852
852
852
852
844
837
837
837
837
851
928
928
928
928
936
895
895
895
895
86
809
809
809
809
828
623
623
623
623
642 GHI Health Plan OutshyNetwork
GHI Health PlanshyStandard
New Mexico
Aetna Value Plan InshyNetwork
50 of sch
$30$30
$25$40
+50 of sch
$250day x 3
20
NA
$10
$10
NA
$45$85
30to$60050 to$1200
No
Yes
Yes
663 844 851 936 86 828 642
Aetna Value Plan OutshyNetwork
Lovelace Health PlanshyHigh
Presbyterian Health PlanshyHigh
4040
$25$35
$25$40
40
$250 after ded
$100 x 5 days
50+
$5
$10
50+50+
$35$6050
$40$7550
No
Yes
Yes
651
655
796
824
753
783
918
917
828
848
939
852
656
616
43
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
New York
Aetna Value Planshy Most of New York 877shy459shy6604
Aetna Open Access shyHighshy NYC AreaUpstate NY 877shy459shy6604
Aetna Open Access shyBasicshy NYC AreaUpstate NY 877shy459shy6604
CDPHP Universal Benefits Inc shyHighshy Upstate Hudson Valley Central NY 877shy269shy2134
CDPHP Universal Benefits Inc shyStdshy Upstate Hudson Valley Central NY 877shy269shy2134
GHI HMO Select shyHighshy BrnxBrklynManhatQueenRichmonWestche 877shy244shy4466
GHI HMO Select shyHighshy CapitalHudson Valley Regions 877shy244shy4466
GHI Health Plan shyHighshy All of New York 212shy501shy4444
GHI Health Plan shyStdshy All of New York 212shy501shy4444
HIP Health of Greater New York shyHighshy New York City area including Long Island 800shy447shy8255
HIP Health of Greater New York shyStdshy New York City area including Long Island 800shy447shy8255
Independent Health Association shyHighshy Western New York 800shy501shy3439
Independent Health Association shyStdshy Western New York 800shy501shy3439
MVP Health Care shyHighshy Eastern Region 888shy687shy6277
MVP Health Care shyStdshy Eastern Region 888shy687shy6277
MVP Health Care shyHighshy Western Region 888shy687shy6277
MVP Health Care shyStdshy Western Region 888shy687shy6277
MVP Health Care shyHighshy Central Region 888shy687shy6277
MVP Health Care shyStdshy Central Region 888shy687shy6277
MVP Health Care shyHighshy Northern Region 888shy687shy6277
MVP Health Care shyStdshy Northern Region 888shy687shy6277
MVP Health Care shyHighshy MidshyHudson Region 888shy687shy6277
MVP Health Care shyStdshy MidshyHudson Region 888shy687shy6277
EP4 EP5
JC1 JC2
JC4 JC5
SG1 SG2
SG4 SG5
6V1 6V2
X41 X42
801 802
804 805
511 512
514 515
QA1 QA2
C54 C55
GA1 GA2
GA4 GA5
GV1 GV2
GV4 GV5
M91 M92
M94 M95
MF1 MF2
MF4 MF5
MX1 MX2
MX4 MX5
12694 28827
40198 109033
26007 71920
22952 71235
12294 32053
19548 60991
14167 47634
32591 93212
14135 33572
17000 63158
12206 34562
18597 58201
14454 47853
16586 53386
13377 39674
13042 35704
11193 28006
17110 54877
13779 42651
25417 75411
22349 67734
18731 58664
13657 42345
51792 117616
84468 207928
69993 170073
66877 169374
50161 129408
63405 158925
57800 145301
76709 191791
57672 130958
60806 161136
49800 131968
62435 156079
58209 145524
60384 151168
54580 137182
53210 133132
45669 114266
60918 152689
56220 140218
69392 173634
66262 165803
62572 156552
55723 139906
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
44
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How well
doctors
communicate
Customer
service
Claims
processing
Plan Inform
ation
on Costs
New York
Aetna Value Plan InshyNetwork $25$40 20 $10
HMOP
30to$60050 to$1200
OS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Aetna Open AccessshyBasic
CDPHP Universal Benefits IncshyHigh
CDPHP Universal Benefits IncshyStandard
GHI HMO SelectshyHigh
GHI HMO SelectshyHigh
GHI Health Plan InshyNetwork
4040
$20$35
$15$35
$20$30
$25$40
$25$40
$25$40
$20$20
40
$250day x 4
20 Plan Allow
$100 x 5
$500+10
$500
$500
$150max$450
50+
$10
$5
25
30
$10
$10
$20
50+50+
$35$100
$35$100
2525
3030
$30$50
$30$50
$45$85
No
Yes
Yes
No
No
Yes
Yes
Yes
662
662
729
729
663
848
848
928
928
844
849
849
90
90
851
937
937
949
949
936
888
888
922
922
86
874
874
924
924
828
547
547
70
70
642 GHI Health Plan OutshyNetwork
GHI Health PlanshyStandard
HIP Health of Greater New YorkshyHigh
HIP Health of Greater New YorkshyStandard
Independent Health Assoc InshyNetwork
50 of sch
$30$30
$20$40
$30$50
$25$25
+50 of sch
$250day x 3
None
$1000
$250
NA
$10
$15
$15$100Ded
$10
NA
$45$85
$35$75
$30$75
$35$75 $75$100Ded
No
Yes
Yes
Yes
No
663
729
729
735
844
814
814
933
851
786
786
923
936
888
888
952
86
787
787
92
828
848
848
916
642
60
60
755 Independent Health Assoc OutshyNetwork
Independent Health Association InshyNetwork
2525
$30$50
25
$750
NA
$10
NA
$5050
No
Yes Independent Health Association OutshyNetwork
MVP Health CareshyHigh
MVP Health CareshyStandard
MVP Health CareshyHigh
MVP Health CareshyStandard
MVP Health CareshyHigh
MVP Health CareshyStandard
MVP Health CareshyHigh
MVP Health CareshyStandard
MVP Health CareshyHigh
MVP Health CareshyStandard
3030
$25$25
$30$50
$25$25
$30$50
$25$25
$30$50
$25$25
$30$50
$25$25
$30$50
30
$500
$750
$500
$750
$500
$750
$500
$750
$500
$750
NA
$5
$5
$5
$5
$5
$5
$5
$5
$5
$5
NA
$35$70
$45$90
$35$70
$45$90
$35$70
$45$90
$35$70
$45$90
$35$70
$45$90
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
739
739
739
739
739
739
739
739
739
739
934
934
934
934
934
934
934
934
934
934
89
89
89
89
89
89
89
89
89
89
962
962
962
962
962
962
962
962
962
962
896
896
896
896
896
896
896
896
896
896
92
92
92
92
92
92
92
92
92
92
768
768
768
768
768
768
768
768
768
768
45
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
North Carolina
Aetna Value Planshy All of North Carolina 877shy459shy6604
North Dakota
Aetna Value Planshy Most of North Dakota 877shy459shy6604
HealthPartners High Option shy Eastern North Dakota 800shy883shy2177
HealthPartners Standard Option shyEastern North Dakota 800shy883shy2177
Sanford Heart of America Health Plan shyHighshy Northcentral North Dakota 800shy525shy5661
Sanford Health Plan shyHighshy North Dakota 800shy752shy5863
Sanford Health Plan shyStdshy North Dakota 800shy752shy5863
Ohio
Aetna Value Planshy All of Ohio 877shy459shy6604
AultCare HMO shyHighshy StarkCarrollHolmesTuscarawasWayne Co 330shy363shy6360
Humana Health Plan of Ohio shyHighshy Greater Cincinnati Area 888shy393shy6765
Humana Health Plan of Ohio shyStdshy Greater Cincinnati Area 888shy393shy6765
HealthSpan Integrated CareshyClevelandAkron areas 800shy686shy7100
HealthSpan Integrated CareshyStdshyClevelandAkron areas 800shy686shy7100
The Health Plan of the Upper Ohio Valley shyHighshy Eastern Ohio 800shy624shy6961
Oklahoma
Aetna Value Planshy All of Oklahoma 877shy459shy6604
Globalhealth Inc shyHighshy Oklahoma 877shy280shy5600
F54 F55
H44 H45
V31 V32
V34 V35
RU1 RU2
C91 C92
C94 C95
JS4 JS5
3A1 3A2
A61 A62
A64 A65
641 642
644 645
U41 U42
JS4 JS5
IM1 IM2
13058 29656
13093 29732
26865 64982
8897 20464
13803 47086
20976 51441
14143 45836
17258 41140
14204 44676
13880 30882
12491 27794
28758 69344
13114 30163
26271 60855
17258 41140
11810 28460
53279 120995
53418 121307
70869 162996
36302 83494
56317 144742
64862 149184
57705 143467
61069 138677
57953 142284
56629 125999
50965 113400
72799 167445
53504 123066
70263 158786
61069 138677
48185 116118
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
46
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How well
doctors
communicate
Customer
service
Claims
processing
Plan Inform
ation
on Costs
North Carolina
Aetna Value Plan InshyNetwork $25$40 20 $10
HMOP
30to$60050 to$1200
OS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
North Dakota
Aetna Value Plan InshyNetwork
4040
$25$40
40
20
50+
$10
50+50+
30to$60050 to$1200
No
Yes Aetna Value Plan OutshyNetwork
HealthPartners High Option
HealthPartners Standard Option
Sanford Heart of America Health Plan InshyNetwork
4040
$25$45
$0 for 3 then 20
$15$25
40
Nothing
20 in40 out
None
50+
$12
$9
50$600ded
50+50+
$45$90
$40$70
50$600 ded
No
Yes
Yes
None
647
647
893
893
875
875
951
951
92
92
911
911
725
725
Sanford Heart of America Health Plan OutshyNetwork
Sanford Health Plan InshyNetwork
2020
$20$30
20
$100day x 5
NA
$15
NA
$30$50
NA
NA 535 903 89 977 902 912 558 Sanford Health Plan OutshyNetwork
Sanford Health Plan InshyNetwork
4040
$25$25
40
$100day x 5
40+
$15
40+40+
$30$50
NA
NA 535 903 89 977 902 912 558 Sanford Health Plan OutshyNetwork
Ohio
Aetna Value Plan InshyNetwork
40+40+
$25$40
40+
20
40+
$10
40+40+
30to$60050 to$1200
NA
Yes Aetna Value Plan OutshyNetwork
AultCare HMOshyHigh
Humana Health Plan of OhioshyHigh
Humana Health Plan of OhioshyStandard
HealthSpan Integrated CareshyHigh
HealthSpan Integrated CareshyStandard
The Health Plan of the Upper Ohio ValleyshyHigh
Oklahoma
Aetna Value Plan InshyNetwork
4040
$15$20
$20$35
$25$40
$20$20
$30$40
$10$20
$25$40
40
$150
$250day x 3
$500day x 3
$250
$500
$250
20
50+
$15
$10
$10
$10
$15
$15
$10
50+50+
$30$40$55
$40$60
$40$60
$30$30
$40$40
$30$50
30to$60050 to$1200
No
No
Yes
Yes
Yes
Yes
Yes
Yes
877
788
788
744
922
845
845
909
907
889
889
876
941
922
922
951
944
935
935
929
935
906
906
944
853
708
708
745
Aetna Value Plan OutshyNetwork
Globalhealth IncshyHigh
4040
$15$45
40
$250dymx1000
50+
$4$10
50+50+
$45$70
No
Yes 592 816 839 916 893 872 727
47
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Oregon
Aetna Value Planshy Most of Oregon
Kaiser Foundation Health Plan of Northwest shyHighshy PortlandSalem areas
Kaiser Foundation Health Plan of Northwest shyStdshy PortlandSalem areas
Pennsylvania
Aetna Value Planshy All of Pennsylvania
Aetna Open Access shyHighshy Philadelphia
Aetna Open Access shyBasicshy Philadelphia
Aetna Open Access shyHighshy Pittsburgh and Western PA Areas
Geisinger Health Plan shyStdshy NortheasternCentralSouth Central areas
HealthAmerica Pennsylvania shyHighshy Greater Pittsburgh Area
UPMC Health Plan shyHighshy Western Pennsylvania
UPMC Health Plan shyStdshy Western Pennsylvania
Puerto Rico
Humana Health Plans of Puerto Rico Inc shyHighshy Puerto Rico
TripleshyS Salud Inc shyHighshy All of Puerto Rico
Rhode Island
Aetna Value Planshy All of Rhode Island
South Carolina
Aetna Value Planshy All of South Carolina
877shy459shy6604
800shy813shy2000
800shy813shy2000
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
800shy447shy4000
866shy351shy5946
888shy876shy2756
888shy876shy2756
800shy314shy3121
787shy774shy6060
877shy459shy6604
877shy459shy6604
H44 H45
571 572
574 575
H44 H45
P31 P32
P34 P35
YE1 YE2
GG4 GG5
261 262
8W1 8W2
UW4 UW5
ZJ1 ZJ2
891 892
EP4 EP5
JS4 JS5
13093 29732
22672 52645
13617 31283
13093 29732
64801 164359
49560 118027
19203 59806
16820 41884
17814 47183
22135 54101
13345 30692
8026 18317
8829 19866
12694 28827
17258 41140
53418 121307
66592 150412
55557 127637
53418 121307
109563 264361
94017 217102
63053 157716
60623 139436
61637 144841
66044 151897
54448 125225
32748 74733
36023 81052
51792 117616
61069 138677
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
48
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay
deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How
well
doctors
communicate
Customer
service
Claims
processing
Plan
Information
on
Costs
Oregon
Aetna Value Plan InshyNetwork $25$40 20 $10
HMOP
30to$60050 to$1200
OS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Kaiser Foundation HP of NorthwestshyHigh
Kaiser Foundation HP of NorthwestshyStandard
Pennsylvania
Aetna Value Plan InshyNetwork
4040
$20$30
$30$40
$25$40
40
$200
$500
20
50+
$15
$20
$10
50+50+
$40$60
$40$60
30to$60050 to$1200
No
Yes
Yes
Yes
768
768
844
844
847
847
916
916
927
927
89
89
683
683
Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Aetna Open AccessshyBasic
Aetna Open AccessshyHigh
Geisinger Health PlanshyStandard
HealthAmerica PennsylvaniashyHigh
UPMC Health PlanshyHigh
UPMC Health PlanshyStandard
Puerto Rico
Humana Health Plans of PR InshyNetwork
4040
$20$35
$15$35
$20$35
$20$35
$25$50
10 after Deduct
20 after Deduct
$5$5
40
$250day x 4
20 Plan Allow
$250day x 4
20aftrDeduct
15 after ded
10 after deduct
20after Deduct
None
50+
$10
$5
$10
30 $5$15
$5
$5 after ded
$5 after ded
$250
50+50+
$35$100
$35$100
$35$100
$35$60
$35$75
$35$75$100
$10$15
40 $40$120 50 $85$250
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
579
579
579
668
699
754
754
806
861
861
861
868
873
908
908
803
835
835
835
85
885
899
899
82
935
935
935
938
957
97
97
938
887
887
887
906
86
913
913
887
899
899
899
902
921
904
904
70
631
631
631
677
671
678
678
541 Humana Health Plans of PR OutshyNetwork $10$10 $50 NA NA
Greater of $15 or Yes
TripleshyS Salud Inc InshyNetwork TripleshyS Salud Inc OutshyNetwork
Rhode Island
Aetna Value Plan InshyNetwork
$750$10
$25$40
$750 amp 10 +$10 amp 10 +
None 10 +
20
$5 or $12 NA
$10
NA
2025 up to$100$175max
30to$60050 to$1200
Yes No
Yes
691 874 844 963 872 75 586
Aetna Value Plan OutshyNetwork
South Carolina
Aetna Value Plan InshyNetwork
4040
$25$40
40
20
50+
$10
50+50+
30to$60050 to$1200
No
Yes Aetna Value Plan OutshyNetwork 4040 40 50+ 50+50+ No
49
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of Your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
South Dakota
Aetna Value Planshy Rapid CitySioux Falls Area 877shy459shy6604
HealthPartners High Option shy Eastern South Dakota 800shy883shy2177
HealthPartners Standard Option shyEastern South Dakota 800shy883shy2177
Sanford Health Plan shyHighshy EasternCentralRapid City Areas 800shy752shy5863
Sanford Health Plan shyStdshy EasternCentralRapid City Areas 800shy752shy5863
Tennessee
Aetna Value Planshy Most of Tennessee 877shy459shy6604
Aetna Open Access shyHighshy Memphis Area 877shy459shy6604
Humana Health Plan Inc shyHighshy Knoxville 888shy393shy6765
Humana Health Plan Inc shyStdshy Knoxville 888shy393shy6765
G54 G55
V31 V32
V34 V35
AU1 AU2
AU4 AU5
F54 F55
UB1 UB2
GJ1 GJ2
GJ4 GJ5
12822 29119
26865 64982
8897 20464
26173 63455
23647 57594
13058 29656
24581 76516
15825 35210
12491 27794
52315 118808
70869 162996
36302 83494
70163 161438
67586 155460
53279 120995
68539 174761
59608 132629
50965 113400
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
50
Primary
Prescription Drugs
Member Survey Results
ded ation
care Hospital Mail
plan
Getting nee
care
How well
teica
r ng rm
Plan Name ndash Location Specialist office copay
per stay deductible Level I
Level II Level III
order discount
Overall
satisfaction
care
Getting
quickly
doctors
commun
Custome
service
Claims
processi
Plan Info
on Costs
South Dakota
Aetna Value Plan InshyNetwork $25$40 20 $10
HMOP
30to$60050 to$1200
OS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
HealthPartners High Option
HealthPartners Standard Option
Sanford Health Plan InshyNetwork
4040
$25$45
$0 for 3 then 20
$20$30
40
Nothing
20 in40 out
$100day x 5
50+
$12
$9
$15
50+50+
$45$90
$40$70
$30$50
No
Yes
Yes
NA
647
647
535
893
893
903
875
875
89
951
951
977
92
92
902
911
911
912
725
725
558 Sanford Health Plan OutshyNetwork
Sanford Health Plan InshyNetwork
4040
$25$25
40
$100day x 5
40+
$15
40+40+
$30$50
NA
NA
535
535 903 89 977 902 912 558 Sanford Health Plan OutshyNetwork
Tennessee
Aetna Value Plan InshyNetwork
40+40+
$25$40
40+
20
40+
$10
40+40+
30to$60050 to$1200
NA
Yes Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
4040
$20$35
$20$35
$25$40
40
$250day x 4
$250day x 3
$500day x 3
50+
$10
$10
$10
50+50+
$35$100
$40$60
$40$60
No
Yes
Yes
Yes
66 875 868 959 889 914 69
51
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Texas
Aetna Value Planshy All of Texas 877shy459shy6604
Aetna Whole Health shyBasicshy Houston Area 877shy459shy6604
Firstcare shyHighshy Waco area 800shy884shy4901
Firstcare shyHighshy West Texas 800shy884shy4901
Firstcare shyHighshy TaylorCallahanEastland 800shy884shy4901
Firstcare shyHighshy Lubbock area 800shy884shy4901
Firstcare shyHighshy BryanCollege Station Area 800shy884shy4901
Humana Value Plan shy Corpus Christi Area 888shy393shy6765
Humana Value Plan shy San Antonio Area 888shy393shy6765
Humana Value Plan shy Austin Area 888shy393shy6765
Humana Health Plan of Texas shyHighshy Houston 888shy393shy6765
Humana Health Plan of Texas shyStdshy Houston 888shy393shy6765
Humana Health Plan of Texas shyHighshy Corpus Christi 888shy393shy6765
Humana Health Plan of Texas shyStdshy Corpus Christi 888shy393shy6765
Humana Health Plan of Texas shyHighshy San Antonio 888shy393shy6765
Humana Health Plan of Texas shyStdshy San Antonio 888shy393shy6765
Humana Health Plan of Texas shyHighshy Austin 888shy393shy6765
Humana Health Plan of Texas shyStdshy Austin 888shy393shy6765
Scott amp White Health Plan shyStdshy Central TX amp Some SE and SW Counties 800shy321shy7947
UnitedHealthcare Benefits of Texas Inc shyHighshy San Antonio 866shy546shy0510
JS4 JS5
ES1 ES2
B71 B72
CK1 CK2
CN1 CN2
CZ1 CZ2
ET1 ET2
TP4 TP5
TU4 TU5
TV4 TV5
EW1 EW2
EW4 EW5
UC1 UC2
UC4 UC5
UR1 UR2
UR4 UR5
UU1 UU2
UU4 UU5
A84 A85
GF1 GF2
17258 41140
12817 40332
11057 37880
10809 34896
13391 65886
13031 61566
12638 56836
10247 22697
10247 22697
10247 22697
13880 30882
12491 27794
17899 39821
13880 30882
55020 122416
13880 30882
26524 59015
15825 35210
14907 37260
32515 78160
61069 138677
52295 137853
45113 135352
44103 132308
54635 163918
53169 159512
51562 154687
41809 92606
41809 92606
41809 92606
56629 125999
50965 113400
61723 137332
56629 126001
99587 221579
56629 126001
70521 156910
59608 132629
58671 134720
76632 176438
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
52
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How well
doctors
communicate
Customer
service
Claims
processing
Plan Inform
ation
on Costs
Texas
Aetna Value Plan InshyNetwork $25$40 20 $10
HMO
30to$60050 to$1200
POS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Aetna Whole Health InshyNetwork
4040
$5$25$35
40
15
50+
$5
50+50+
$35$60
No
Yes Aetna Whole Health OutshyNetwork
FirstcareshyHigh
FirstcareshyHigh
FirstcareshyHigh
FirstcareshyHigh
FirstcareshyHigh
Humana Value Plan InshyNetwork
4040
$30$55
$30$55
$30$55
$30$55
$30$55
$35$55
40
$250day x 5
$250day x 5
$250day x 5
$250day x 5
$250day x 5
20
40
$10
$10
$10
$10
$10
$10
4040
$35$70
$35$70
$35$70
$35$70
$35$70
$40$60
No
Yes
Yes
Yes
Yes
Yes
Yes Humana Value Plan OutshyNetwork
Humana Value Plan InshyNetwork
5050
$35$55
50
20
$10+
$10
$40+$60+
$40$60
No
Yes Humana Value Plan OutshyNetwork
Humana Value Plan InshyNetwork
5050
$35$55
50
20
$10+
$10
$40+$60+
$40$60
No
Yes Humana Value Plan OutshyNetwork
Humana Health Plan of TexasshyHigh
Humana Health Plan of TexasshyStandard
Humana Health Plan of TexasshyHigh
Humana Health Plan of TexasshyStandard
Humana Health Plan of TexasshyHigh
Humana Health Plan of TexasshyStandard
Humana Health Plan of TexasshyHigh
Humana Health Plan of TexasshyStandard
Scott amp White Health PlanshyStandard
UnitedHealthcare Benefits of Texas IncshyHigh
5050
$20$35
$25$40
$20$35
$25$40
$20$35
$25$40
$20$35
$25$40
$20$45
$20$40
50
$250day x 3
$500day x 3
$250day x 3
$500day x 3
$250day x 3
$500day x 3
$250day x 3
$500day x 3
10
$250day x 5
$10+
$10
$10
$10
$10
$10
$10
$10
$10
$5
$10
$40+$60+
$40$60
$40$60
$40$60
$40$60
$40$60
$40$60
$40$60
$40$60
$45$100
$35$60
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
63
63
702
835
835
862
764
764
863
931
931
937
864
864
875
856
856
87
673
673
569
53
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Utah
Aetna Value Planshy Most of Utah 877shy459shy6604
Altius Health Plans shyHighshy Wasatch Front 800shy377shy4161
Altius Health Plans shyStdshy Wasatch Front 800shy377shy4161
SelectHealth shyHighshy Urban and Suburban Utah 800shy538shy5038
SelectHealth shyStdshy Urban and Suburban Utah 800shy538shy5038
Vermont Aetna Value Planshy All of Vermont 877shy459shy6604
Virgin Islands
TripleshyS Salud Inc shyHighshy US Virgin Islands 800shy981shy3241
G54 G55
9K1 9K2
DK4 DK5
SF1 SF2
SF4 SF5
EP4 EP5
851 852
12822 29119
19819 42542
11798 25954
19210 43095
12435 27741
12694 28827
10305 23402
52315 118808
63682 140107
48136 105894
63060 140671
50737 113183
51792 117616
42043 95481
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
54
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How well
doctors
communicate
Customer
service
Claims
processing
Plan Inform
ation
on Costs
Utah
Aetna Value Plan InshyNetwork $25$40 20 $10
HMO
30to$60050 to$1200
POS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Altius Health PlansshyHigh
Altius Health PlansshyStandard
SelectHealthshyHigh
SelectHealthshyStandard
Vermont Aetna Value Plan InshyNetwork
4040
$20$30
$20$40
$15$25
$20$30
$25$40
40
$200
None
$100
$100 after
20
50+
$7
$7
$5$25$50
$5$25$50
$10
50+50+
$25$50
$35$60
$25$50$50
$25 $50$50
30to$60050 to$1200
No
No
None
Yes
Yes
Yes
552
552
629
629
852
852
876
876
813
813
851
851
948
948
958
958
883
883
912
912
895
895
903
903
588
588
64
64
Aetna Value Plan OutshyNetwork
Virgin Islands
4040 40 50+ 50+50+ No
Greater of $15 or TripleshyS Salud Inc InshyNetwork TripleshyS Salud Inc OutshyNetwork
$750$10 $750 amp 10 +$10 amp 10 +
None 10 +
$5 or $12 NA NA
2025 up to$100$175max
Yes No
691 874 844 963 872 75 586
55
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Virginia
Aetna Value Planshy Most of Virginia 877shy459shy6604
Aetna Open Access shyHighshy NorthernCentralRichmond Virginia Areas 877shy459shy6604
Aetna Open Access shyBasicshy NorthernCentralRichmond Virginia Areas 877shy459shy6604
Aetna Whole Health shyBasicshy Roanoke VA area 877shy459shy6604
Aetna Whole Health shyBasicshy Newport News VA area 877shy459shy6604
CareFirst BlueChoice shyHighshy Northern Virginia 888shy789shy9065
CareFirst BlueChoice shyStdshy Northern Virginia 888shy789shy9065
HealthKeepers Inc shyHighshy Virginia 855shy580shy1200
Kaiser Foundation Health Plan MidshyAtlantic States shyHighshy Northern VirginiaFredericksburg area 877shy574shy3337
Kaiser Foundation Health Plan MidshyAtlantic States shyStdshy Northern VirginiaFredericksburg area 877shy574shy3337
MD IPA shyHighshy Northern Viginia 877shy835shy9861
Optima Health Plan shyHighshy Hampton Roads and Richmond areas 800shy206shy1060
Optima Health Plan shyStdshy Hampton Roads and Richmond areas 800shy206shy1060
Piedmont Community Healthcare shyHighshy Lynchburg area 888shy674shy3368
Washington
Aetna Value Planshy Most of Washington 877shy459shy6604
Aetna Open Access shyHighshy Seattle and Spokane areas 877shy459shy6604
Group Health Cooperative shyHighshy Western WACentral WASpokanePullman 888shy901shy4636
Group Health Cooperative shyStdshy Western WACentral WASpokanePullman 888shy901shy4636
KPS Health Plans shyStdshy All of Washington 800shy552shy7114
KPS Health Plans shyHighshy All of Washington 800shy552shy7114
Kaiser Foundation Health Plan of Northwest shyHighshy VancouverLongview 800shy813shy2000
Kaiser Foundation Health Plan of Northwest shyStdshy VancouverLongview 800shy813shy2000
F54 F55
JN1 JN2
JN4 JN5
D91 D92
J91 J92
2G1 2G2
2G4 2G5
A91 A92
E31 E32
E34 E35
JP1 JP2
9R1 9R2
9R4 9R5
2C1 2C2
G54 G55
C31 C32
541 542
544 545
L11 L12
VT1 VT2
571 572
574 575
13058 29656
46867 105610
14021 31351
12138 40332
11280 29365
21177 48693
15284 35429
20427 47008
16926 42124
9646 22186
20245 50123
26858 69565
11269 26665
12235 28017
12822 29119
14933 62274
27070 55009
11742 26509
12426 26823
31651 67459
22672 52645
13617 31283
53279 120995
91271 204437
57208 127913
49524 137853
46023 119808
65067 146381
59056 132852
64302 144663
60731 139681
39358 90520
64116 147840
70861 167671
45977 108794
49920 114308
52315 118808
58698 160234
71078 152824
47908 108156
50700 109437
75750 165523
66592 150412
55557 127637
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
56
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How well
doctors
communicate
Customer
service
Claims
processing
Plan Inform
ation
on Costs
Virginia
Aetna Value Plan InshyNetwork Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Aetna Open AccessshyBasic
Aetna Whole Health InshyNetwork Aetna Whole Health OutshyNetwork
Aetna Whole Health InshyNetwork Aetna Whole Health OutshyNetwork
CareFirst BlueChoiceshyHigh
CareFirst BlueChoice InshyNetwork
$25$40 4040
$15$30
$20$35
$25$35 4040
$5$25$35 4040
$25$35
Nothing$35
20 40
$150day x3
10 Plan Allow
15 40
15 40
$200
$200
$10 50+
$5
$10
$5 40
$5 40
Nothing
Nothing
HMO
50+50+
$35$100
$35$100
$35$60 4040
$35$60 4040
$35$65
$35$65
30to$60050 to$1200
POS National
Yes No
Yes
Yes
Yes No
Yes No
Yes
Yes
Average
69
69
648
648
679
844
844
86
86
864
872
872
833
833
849
942
942
925
925
942
865
865
846
846
877
914
914
902
902
875
567
567
54
54
649
CareFirst BlueChoice OutshyNetwork
HealthKeepers IncshyHigh
Kaiser Foundation HP MidshyAtlantic StatesshyHigh
Kaiser Foundation HP MidshyAtlantic StatesshyStandard
MD IPAshyHigh
Optima Health PlanshyHigh
Optima Health PlanshyStandard
Piedmont Community HealthcareshyHigh
Washington
Aetna Value Plan InshyNetwork Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Group Health CooperativeshyHigh
Group Health CooperativeshyStandard
KPS Health Plans InshyNetwork KPS Health Plans OutshyNetwork
KPS Health Plans InshyNetwork KPS Health Plans OutshyNetwork
Kaiser Foundation HP of NorthwestshyHigh
Kaiser Foundation HP of NorthwestshyStandard
$70$70
$10$20
$20$30
$25$40
$25$30
$35$35
$25$40 4040
$20$35
$25$25
$25$35
$154 or 2020
$30$30 $30+40+diff
$20$30
$30$40
$0$3530NonshyNetwork
$20$0childlt22$30
$154+40+diff 40+diff
$500
$200 x3 days
$100
$250dayx3
$150day x 3
$150max$750
$20020
20
20 40
$250day x 4
$350
$500
Nothing Nothing
None None
$200
$500
Nothing
$0
$7$17 Net
$12$22Net
$7
$10
$10
$15
$10 50+
$10
$20
$20
$10 Not Covered
$5 Not Covered
$15
$20
$35$65
$30$50$50
$30$50$45$65
$35$55$50$70
$30$60
$40$55
50+50+
$35$100
$40$60
$40$60
Not Covered
NA
$40$60
$40$60
$353050up to $3000
$355050 up to $3000
$35$50 30day$100 90day
$25$50 30day$100 90day
30to$60050 to$1200
Yes
Yes
Yes
Yes
Yes
Yes
No
No
Yes No
Yes
Yes
Yes
Yes No
Yes No
Yes
Yes
83
83
583
692
692
659
659
798
798
768
768
867
867
846
864
864
86
86
94
94
844
844
833
831
831
876
886
886
869
869
928
928
847
847
927
927
937
969
969
941
941
957
957
916
916
813
813
867
87
87
912
912
931
931
927
927
836
836
841
916
916
881
881
897
897
89
89
702
702
677
674
674
692
692
65
65
683
683
57
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
West Virginia
Aetna Value Planshy Most of West Virginia 877shy459shy6604
The Health Plan of the Upper Ohio Valley shyHighshy NorthernCentral West Virginia 800shy624shy6961
Wisconsin
Aetna Value Planshy All of Wisconsin 877shy459shy6604
Aetna Whole Health shyBasicshy Milwaukee WI Area 877shy459shy6604
Dean Health Plan shyHighshy South Central Wisconsin 800shy279shy1301
Group Health Cooperative shyHighshy South Central Wisconsin 800shy605shy4327
HealthPartners High Option shy Western Wisconsin 800shy883shy2177
HealthPartners Standard Option shy Western Wisconsin 800shy883shy2177
MercyCare HMO shyHighshy South Central Wisconsin 800shy895shy2421
Physicians Plus shyHighshy All of WI 800shy545shy5015
Wyoming
Aetna Value Plan shyBasicshy All of Wyoming 877shy459shy6604
Altius Health Plans shyHighshy Uinta County 800shy377shy4161
Altius Health Plans shyStdshy Uinta County 800shy377shy4161
F54 F55
U41 U42
JS4 JS5
F71 F72
WD1 WD2
WJ1 WJ2
V31 V32
V34 V35
EY1 EY2
LW1 LW2
H44 H45
9K1 9K2
DK4 DK5
13058 29656
26271 60855
17258 41140
10600 29208
24382 72670
15910 51534
26865 64982
8897 20464
14597 48275
16556 55954
13093 29732
19819 42542
11798 25954
53279 120995
70263 158786
61069 138677
43250 119170
68336 170838
59694 149279
70869 162996
36302 83494
58355 145955
60353 153787
53418 121307
63682 140107
48136 105894
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
58
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Claims
processing
Getting needed
care
Getting care
quickly
How well
doctors
communicate
Customer
service
Plan Inform
ation
on Costs
West Virginia
Aetna Value Plan InshyNetwork Aetna Value Plan OutshyNetwork
The Health Plan of the Upper Ohio ValleyshyHigh
Wisconsin
Aetna Value Plan InshyNetwork Aetna Value Plan OutshyNetwork
Aetna Whole Health InshyNetwork Aetna Whole Health OutshyNetwork
Dean Health PlanshyHigh
Group Health CooperativeshyHigh
HealthPartners High Option
HealthPartners Standard Option
MercyCare HMOshyHigh
Physicians PlusshyHigh
Wyoming
Aetna Value Plan InshyNetwork Aetna Value Plan OutshyNetwork
Altius Health PlansshyHigh
Altius Health PlansshyStandard
$25$40 4040
$10$20
$25$40 4040
$25$35 4040
$25$25
$10$10
$25$45
$0 for 3 then 20
$10$10
$10$10
$25$40 4040
$20$30
$20$40
20 40
$250
20 40
15 40
None
None
Nothing
20 in40 out
Nothing
Nothing
20 40
$200
None
$10 Yes 50+ 50+50+ No
$15 $30$50 Yes
$10 Yes 50+ 50+50+ No
$5 $35$60 Yes 40 4040 No
$10 Yes
$5 $20$20 Yes
$12 $45$90 Yes
$9 $40$70 Yes
$10 $20$50 Yes
$10 3050 No
$10 Yes 50+ 50+50+ No
$7 $25$50 No
$7 $35$60 None
HMOPOS National Average
30$75max 50 wmin$50
30to$60050 to$1200
30to$60050 to$1200
30to$60050 to$1200
744
682
785
647
647
784
601
552
552
679
909 876 951 929 944
909 90 97 834 879
834 834 953 929 932
893 875 951 92 911
893 875 951 92 911
888 854 938 888 87
857 822 96 863 866
852 813 948 883 895
852 813 948 883 895
864 849 942 877 875
745
588
718
725
725
684
686
588
588
649
59
Appendix E FEHB Plan Comparison Charts
High Deductible and ConsumershyDriven Health Plans With a Health Savings Account or Health Reimbursement Arrangement
(Pages 64 through 83)
A High Deductible Health Plan (HDHP) provides comprehensive coverage for highshycost medical events and a taxshyadvantaged way to help you build savings for future medical expenses The HDHP gives you greater flexibility and discretion over how you use your health care benefits
When you enroll your health plan establishes for you either a Health Savings Account (HSA) or a Health Reimbursement Arrangement (HRA) The plan automatically deposits the monthly ldquopremium pass throughrdquo into your HSA The plan credits an amount into the HRA (This is the ldquoPremium Contribution to HSAHRArdquo column in the following charts)
Preventive care is covered in full As you receive other nonshypreventive medical care you must meet the plan deductible before the health plan pays benefits You can choose to pay your deductible with funds from your HSA or you can choose instead to pay for your deductible outshyofshypocket allowing your savings to continue to grow
The HDHP features higher annual deductibles (a minimum of $1250 for Self Only and $2500 for Self and Family coverage) and annual outshyofshypocket limits (not to exceed $6350 for Self Only and $12700 for Self and Family coverage) than other insurance plans Depending on the HDHP you choose you may have the choice of using InshyNetwork and OutshyofshyNetwork providers There may be higher deductibles and outshyofshypocket limits when you use OutshyofshyNetwork providers Using InshyNetwork providers will save you money
Health Savings Account (HSA)
A Health Savings Account allows individuals to pay for current health expenses and save for future qualified medical expenses on a preshytax basis Funds deposited into an HSA are not taxed the balance in the HSA grows tax free and that amount is available on a tax free basis to pay medical costs You are eligible for an HSA if you are enrolled in an HDHP not covered by any other health plan that is not an HDHP (including a spousersquos health plan but does not include specific injury insurance and accident disability dental care vision care or longshyterm coverage) not enrolled in Medicare not received VA benefits or IHS benefits within the last three months not covered by your own or your spousersquos flexible spending account (FSA) and are not claimed as a dependent on someone elsersquos tax return If you are enrolled in a High Deductible Health Plan with an HSA you may not participate in a Health Care Flexible Spending Account (HCFSA) but you are permitted to participate in a Limited Expense (LEX) HCFSA HSAs are subject to a number of rules and limitations established by the Department of the Treasury
Visit wwwtreasurygovresourceshycenterfaqstaxespageshealthshysavingsshyaccountsaspx for more information The 2014 maximum contribution limits are $3300 for Self Only coverage and $6550 for Self and Family coverage If you are over 55 you can make an additional ldquocatch uprdquo contribution You can use funds in your account to help pay your health plan deductible
60
Appendix E FEHB Plan Comparison Charts
High Deductible and ConsumershyDriven Health Plans With a Health Savings Account or Health Reimbursement Arrangement
Features of an HSA include
bull Taxshydeductible deposits you make to the HSA Your own HSA contributions are either taxshydeductible or preshytax (if made by payroll deduction) See IRS Publication 969
bull Taxshydeferred interest earned on the account
bull Taxshyfree withdrawals for qualified medical expenses
bull Carryover of unused funds and interest from year to year
bull Portability the account is owned by you and is yours to keep ndash even when you retire leave government service or change plans
Health Reimbursement Arrangement (HRA)
Health Reimbursement Arrangements are a common feature of ConsumershyDriven Health Plans They may be referred to by the health plan under a different name such as personal care account They are also available to enrollees in High Deductible Health Plans who are not eligible for an HSA HRAs are similar to HSAs except
bull An enrollee cannot make deposits into an HRA
bull A health plan may impose a ceiling on the value of an HRA
bull Interest is not earned on an HRA and
bull The amount in an HRA is not transferable if the enrollee leaves the health plan
If you are enrolled in a High Deductible Health Plan with an HRA you may participate in a Health Care Flexible Spending Account (HCFSA)
The plan will credit the HRA different amounts depending on whether you have a Self Only or a Self and Family enrollment You can use funds in your account to help pay your health plan deductible
Features of an HRA include
bull Taxshyfree withdrawals for qualified medical expenses bull Carryover of unused credits from year to year bull Credits in an HRA do not earn interest bull Credits in the HRA are forfeited if you leave federal employment or switch health insurance plans
Please note that the premium rates provided are the maximum amount you are expected to pay for your premium Your tribal employer may choose to pay a higher portion of your premium Please check with your tribal employer for exact rates
61
Appendix E FEHB Plan Comparison Charts
High Deductible and ConsumershyDriven Health Plans With a Health Savings Account or Health Reimbursement Arrangement
ELIGIBILITY
FUNDING
Health Savings Account (HSA)
You must enroll in a High Deductible Health Plan (HDHP) No other general medical insurance coverage is permitted You cannot be enrolled in Medicare Part A or Part B You cannot be claimed as a dependent on someone elsersquos tax returns
The plan deposits a monthly ldquopremium pass throughrdquo into your account
Health Reimbursement Arrangement (HRA)
You must enroll in a High Deductible Health Plan (HDHP)
The plan deposits the credit amount directly into your account
CONTRIBUTIONS
DISTRIBUTIONS
The maximum allowed is a combination of the health plan ldquopremium pass throughrdquo and the member contribution up to the maximum contribution amount set by the IRS each year
May be used to pay the outshyofshypocket medical expenses for yourself your spouse or your dependents (even if they are not covered by the HDHP) or to pay the planrsquos deductible
See IRS Publication 502 for a complete list of eligible expenses
Only that portion of the premium specified by the health plan will be contributed You cannot add your own money to an HRA
May be used to pay the outshyofshypocket expenses for qualified medical expenses for individuals covered under the HDHP or to pay the planrsquos deductible
See IRS Publication 502 for a complete list of eligible expenses
ANNUAL ROLLOVER
PORTABLE Yes you can take this account with you when you change plans separate from service or retire
Yes funds accumulate without a maximum cap
If you retire and remain in your HDHP you may continue to use and accumulate credits in your HRA
If you terminate employment or change health plans only eligible expenses incurred while covered under that HDHP will be eligible for reimbursement subject to timely filing requirements Unused credits are forfeited
Yes credits accumulate without a maximum cap
IMPORTANT REMINDER This is only a summary of the features of the HDHPHSA or HRA Refer to the specific Plan brochure for the complete details covering Plan design operation and administration as each Plan will have differences
62
Appendix E FEHB Plan Comparison Charts
High Deductible and ConsumershyDriven Health Plans With a Health Savings Account or Health Reimbursement Arrangement
The tables on the following pages highlight selected features that may help you narrow your choice of health plans The tables do not show all of your possible outshyofshypocket costs All benefits are subject to the definitions limitations and exclusions set forth in each planrsquos Federal brochure which is the official statement of benefits available under the planrsquos contract with the Office of Personnel Management Always consult plan brochures before making your final decision
A ConsumershyDriven plan provides you with freedom in spending health care dollars the way you want The typical plan has features such as member responsibility for certain upshyfront medical costs an employershyfunded account that you may use to pay these upshyfront costs and catastrophic coverage with a high deductible You and your family receive full coverage for InshyNetwork preventive care
63
Appendix E FEHB Plan Comparison Charts
High Deductible and ConsumershyDriven Health Plans With a Health Savings Account or Health Reimbursement Arrangement
The tables on the following pages highlight what you are expected to pay for selected features under each plan The charts are not a complete statement of your outshyofshypocket obligations in every individual circumstance Unlike many regular medical plans the covered outshyofshypocket expenses under a High Deductible Health Plan including office visit copayments and prescription drug copayments count toward the calendar year deductible and the catastrophic limit You must read the planrsquos brochure for details
Premium Contribution (pass through) to HSAHRA (or personal care account) shows the amount your health plan automatically deposits or credits into your account on a monthly basis for Self OnlySelf and Family enrollments (ConsumershyDriven Health Plans credit accounts annually) The amount credited under ldquoPremium Contributionrdquo is shown as a monthly amount for comparison purposes only
Calendar Year (CY) Deductible SelfFamily is the maximum amount of covered expenses an individual or family must pay outshyofshypocket including deductibles coinsurance and copayments before the plan pays catastrophic benefits
Catastrophic (Cat) Limit SelfFamily is the maximum amount of covered expenses an individual or family must pay outshyofshypocket including deductibles and coinsurance and copays before the Plan pays catastrophic benefits
Office Visit shows what you pay for a visit to a primary care physician after the deductible is met for other than preventive care
Inpatient Hospital shows what you pay after the deductible is met for hospital services when an inpatient The amount could be a daily copayment up to a specified amount (eg $50 a day up to three days) a coinsurance amount such as 20 or a flat deductible amount (eg $200 per admission) This amount does not include charges from physicians or for services that may not be charged by the hospital such as laboratory or radiology
Your Maximum Monthly Premium is the maximum amount you will pay for your premium Your tribal employer may choose to pay a higher portion of your premium Check with your tribal employer for exact rates
Temporary Continuation of Coverage (TCC) allows former tribal employees and formerly eligible family members to continue their FEHB coverage for a limited period Under TCC you pay the total monthly premium (enrolleersquos share plus the tribal employerrsquos share) plus a 2 administrative charge which equals 102 of Your Total Monthly Premium
Plan Name Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
APWU Health Plan shyCDHPshy Nationwide
GEHA High Deductible Health Plan shyHDHPshy Nationwide
MHBP shy Consumer Option shyHDHPshy Nationwide
NALC shyCDHPshy Nationwide
800shy718shy1299
800shy821shy6136
800shy694shy9901
888shy636shy6252
474 475
341 342
481 482
324 325
9742 21915
11021 25172
13642 30912
10454 22700
39747 89414
44967 102703
55661 126120
42653 92617
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
64
Appendix E FEHB Plan Comparison Charts
High Deductible and ConsumershyDriven Health Plans With a Health Savings Account or Health Reimbursement Arrangement
20 or a flat deductible amount (eg $200 per admission) This amount does not include charges from physicians or for services that may not be charged by the hospital such as laboratory or radiology
Outpatient Surgery shows what you pay the doctor for surgery performed on an outpatient basis
Preventive Services are often covered in full usually with no or only a small deductible or copayment Preventive services may also be payable up to an annual maximum dollar amount (eg up to $300 per person per year)
Prescription Drug Payment Levels Plans use terms such as Level (L I L II) or Tier (T1 T2) to show what you pay for generic or brand name prescription drugs The payment levels that plans use follow L I or Tier 1 includes generic drugs but may include some preferred brands L II or Tier 2 includes preferred brands and may include some generics L III or Tier 3 includes nonshypreferred brands other covered drugs and with some exceptions specialty drugs L IV or Tier 4 includes mostly preferred specialty drugs L V or Tier 5 generally includes nonshypreferred specialty drugs
High Deductible Health Plans and Consumer shy Driven Health Plans are much different from the other types of plans shown in this Guide You can use inshynetwork providers to save money If you use outshyofshynetwork providers however you not only pay more of the costs but you are also usually responsible for any difference between the amount billed for a service and what the plan actually allows (For example you receive a bill from an outshyofshynetwork provider for $100 but the plan allows $85 for the service You pay the higher copayment for outshyofshynetwork care plus the $15 difference between $100 ndash the billed amount ndash and the planrsquos allowance of $85) In addition the difference you pay between the billed amount and the planrsquos allowance does not count toward satisfying the catastrophic limit
Plan Name Benefit Premium CY Ded Cat Limit Office Inpatient Outpatient Preventive Prescription Type Contribution SelfFamily SelfFamily Visit Hospital Surgery Services Drugs
SelfFamily Levels I II III
APWU Health Plan InshyNetwork $1200$2400 $600$1200 $3000$4500 15 None 15 Nothing 252525 APWU Health Plan OutshyNetwork $1200$2400 $600$1200 $9000$9000 40+diff None 40+diff Nothing up to $1200 Not CoveredNANA
GEHA HDHP InshyNetwork $6250$125 $1500$3000 $5000$10000 5 5 5 Nothing 252525 GEHA HDHP OutshyNetWork $6250$125 $1500$3000 $5000$10000 25 25 25 Ded25 25+25+25+
MHBP shy Consumer Option InshyNetwork $70$141 $2000$4000 $5000$10000 $15 $75 dayshy$750 Nothing Nothing $10$25$40 MHBP shy Consumer Option OutshyNetWork $70$141 $2000$4000 $7500$15000 40 40 40 Not Covered Not Covered
NALC InshyNetwork $1200$2400 $2000$4000 $4000$8000 20 20 20 Nothing $10$40$60 NALC OutshyNetwork $1200$2400 $4000$8000 $8000$16000 50 50 50 50 505050+
65
High Deductible Health Plans and ConsumershyDriven Health Plan Member Survey Results
Member Survey results are collected scored and reported by an independent organization ndash not by the health plans See Appendix D for a fuller explanation of each survey category
Overall Plan Satisfaction bull How would you rate your overall experience with your health plan
Getting Needed Care bull How often was it easy to get an appointment the care tests or treatment you thought you needed through your health plan
Getting Care Quickly bull When you needed care right away how often did you get care as soon as you thought you needed bull Not counting the times you needed care right away how often did you get an appointment at a doctorrsquos office or clinic
as soon as you thought you needed
How Well Doctors bull How often did your personal doctor explain things in a way that was easy to understand Communicate bull How often did your personal doctor listen carefully to you show respect for what you had to say and spend enough time with you
Customer Service bull How often did written materials or the Internet provide the information you needed about how your health plan works bull How often did your health planrsquos customer service give you the information or help you needed bull How often were the forms from your health plan easy to fill out
Claims Processing bull How often did your health plan handle your claims quickly and correctly
Plan Information on Costs bull How often were you able to find out from your health plan how much you would have to pay for a health care service or equipment or for specific prescription drug medicines
Aetna HealthFund shy Nationwide 22
GEHA High Deductible Health Plan shy Nationwide 34
Mail Handlers Benefit Plan Consumer Option shy Nationwide 48
Aetna HealthFund shy Nationwide 22
APWU Health Plan shy Nationwide 47
Humana CoverageFirst shy TX TP TU TV
Humana Coverage First shy IN MW
High Deductible Health Plans Plan Name
Plan Code
ConsumershyDriven Health Plans Plan Name
Plan Code
HDHP National Average
CDHP National Average
614
606
623
614
579
606
664
566
478
Overall plan satisfaction
Overall plan satisfaction
885 866 929 860
891 888 952 830
873 851 923 863
891 859 912 887
881 865 939 850
891 888 952 830
909 907 925 871
849 864 932 843
875 801 948 856
Getting needed care
Getting care quickly
How well doctors
communicate Customer service
Member Survey Results
Getting needed care
Getting care quickly
How well doctors
communicate Customer service
876
879
865
885
847
879
845
853
812
Claims processing
Claims processing
585
563
602
590
585
563
680
542
555
Plan Information on Costs
Plan Information on Costs
66
The tables on the following pages highlight selected features that may help you narrow your choice of health plans The tables do not show all of your possible outshyofshypocket costs All benefits are subject to the definitions limitations and exclusions set forth in each planrsquos Federal brochure which is the official statement of benefits available under the planrsquos contract with the Office of Personnel Management Always consult plan brochures before making your final decision
67
High Deductible and ConsumershyDriven Health Plans See pages 64shy65 for an explanation of the columns on these pages
Plan Name
Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Aetna HealthFund shyHDHPshy All 50 States and DC 877shy459shy6604 224 225 11856 25965 48372 105938
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Alabama
Aetna HealthFund shyCDHPshy Most of Alabama
Alaska
Aetna HealthFund shyCDHPshy Most of Alaska
Arizona
Aetna HealthFund shyCDHPshy All of Arizona
Arkansas
Aetna HealthFund shyCDHPshy Most of Arkansas
California
Aetna HealthFund shyCDHPshy Most of California
Colorado
Aetna HealthFund shyCDHPshy All of Colorado
Plan Name
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
Telephone Number
Enrollment Code
F51
JS1
G51
F51
JS1
G51
Self only
F52
JS2
G52
F52
JS2
G52
Self amp family
16322
22787
21977
16322
22787
21977
Self only
39021
53701
51861
39021
53701
51861
Self amp family
60115
66709
65883
60115
66709
65883
Self only
136516
151489
149613
136516
151489
149613
Self amp family
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
68
Plan Name
Benefit Type
Premium Contribution to HSAHRA
CY Ded SelfFamily
Cat Limit SelfFamily
Office Visit
Inpatient Hospital
Outpatient Surgery
Preventive Services
Prescription Drugs
Levels I II III
Aetna HealthFund HDHP InshyNetwork $6250$125 $1500$3000 $4000$8000 10 10 10 Nothing $10$35$60 Aetna HealthFund HDHP OutshyNetWork $6250$125 $2500$5000 $5000$10000 30 30 30 Ded30 30+30+30+
Premium Benefit CY Ded Cat Limit Office Inpatient Outpatient Preventive Prescription Contribution Type SelfFamily SelfFamily Visit Hospital Surgery Services Drugs to HSAHRA Levels I II III Plan Name
Alabama
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Alaska
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed4040+40+40+
Arizona
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Arkansas
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
California
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Colorado
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
69
High Deductible and ConsumershyDriven Health Plans See pages 64shy65 for an explanation of the columns on these pages
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Connecticut
Aetna HealthFund shyCDHPshy All of Connecticut
Delaware
Aetna HealthFund shyCDHPshy All of Delaware
District of Columbia
Aetna HealthFund shyCDHPshy All of Washington DC
CareFirst BlueChoice shyHDHPshy Washington DC Metro Area
Florida
Aetna HealthFund shyCDHPshy Most of Florida
Coventry Health Plan of Florida shyHDHPshy Southern Florida
Humana CoverageFirst shyCDHPshy Tampa Area
Humana CoverageFirst shyCDHPshy South Florida Area
Georgia
Aetna HealthFund shyCDHPshy All of Georgia
Humana CoverageFirst shyCDHPshy Atlanta Area
Humana CoverageFirst shyCDHPshy Macon Area
Guam
TakeCare shyHDHPshy GuamN Mariana IslandsBelau (Palau)
Plan Name
877shy459shy6604
877shy459shy6604
877shy459shy6604
888shy789shy9065
877shy459shy6604
800shy441shy5501
888shy393shy6765
888shy393shy6765
877shy459shy6604
888shy393shy6765
888shy393shy6765
671shy647shy3526
Telephone Number
Enrollment Code
EP1
EP1
F51
B61
F51
J41
MJ1
QP1
F51
AD1
LM1
KX1
Self only
EP2
EP2
F52
B62
F52
J42
MJ2
QP2
F52
AD2
LM2
KX2
Self amp family
20174
20174
16322
14018
16322
13979
12818
10987
16322
11598
12208
6822
Self only
47770
47770
39021
31268
39021
43929
28521
24447
39021
25804
27163
17900
Self amp family
64044
64044
60115
57192
60115
57033
52297
44828
60115
47321
49809
27833
Self only
145440
145440
136516
127574
136516
141522
116366
99744
136516
105282
110827
73032
Self amp family
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
70
Premium Benefit CY Ded Cat Limit Office Inpatient Outpatient Preventive Prescription Contribution Type SelfFamily SelfFamily Visit Hospital Surgery Services Drugs to HSAHRA Levels I II III Plan Name
Connecticut
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Delaware
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
District of Columbia
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
CareFirst BlueChoice InshyNetwork $3750$7500 $1500$3000 $4000$8000 Nothing $300 Nothing Nothing Nothing$30$60 CareFirst BlueChoice OutshyNetWork $3750$7500 $3000$6000 $6000$12000 $70 $500 $70 Nothing Nothing$30$60
Florida
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Coventry Health Plan of Florida $8334$16667 $2500$5000 $5000$10000 $10 Ded+20 Ded+20 Nothing $5$35$5020
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst outshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst outshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Georgia
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst outshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst outshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Guam
TakeCare InshyNetwork $8666$22208 $3000$6000 $5000$10000 20 after Ded 20 after Ded 20 after Ded Nothing $20$40$150 30 after Ded30 after Ded TakeCare OutshyNetWork $8666$22208 $3000$6000 $10000$20000 30 after Ded 30 after Ded 30 after Ded 1st $300ded 30 after Ded
71
High Deductible and ConsumershyDriven Health Plans See pages 64shy65 for an explanation of the columns on these pages
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Hawaii Aetna HealthFund shyCDHPshy All of Hawaii
Idaho
Aetna HealthFund shyCDHPshy Most of Idaho
Altius Health Plans shyHDHPshy Southern Region
Illinois
Aetna HealthFund shyCDHPshy Most of Illinois
Humana CoverageFirst shyCDHPshy Central Illinois
Humana CoverageFirst shyCDHPshy Chicago Area
Indiana
Aetna HealthFund shyCDHPshy All of Indiana
Humana CoverageFirst shyCDHPshy LakePorterLaPorte Counties
Iowa
Aetna HealthFund shyCDHPshy All of Iowa
Coventry Health Care of Iowa shyHDHPshy CentralEasternWestern Iowa
Kansas
Aetna HealthFund shyCDHPshy Most of Kansas
Coventry Health Care of Iowa shyHDHPshy CentralEasternWestern Iowa
Humana CoverageFirst shyCDHPshy Kansas City Area
Plan Name
877shy459shy6604
877shy459shy6604
800shy377shy4161
877shy459shy6604
888shy393shy6765
888shy393shy6765
877shy459shy6604
888shy393shy6765
877shy459shy6604
800shy257shy4692
877shy459shy6604
800shy969shy3343
888shy393shy6765
Telephone Number
Enrollment Code
JS1
H41
9K4
H41
GB1
MW1
JS1
MW1
H41
SV4
G51
9H1
PH1
Self only
JS2
H42
9K5
H42
GB2
MW2
JS2
MW2
H42
SV5
G52
9H2
PH2
Self amp family
22787
16237
8704
16237
12208
12208
22787
12208
16237
8970
21977
12747
10987
Self only
53701
38826
18033
38826
27163
27162
53701
27162
38826
21408
51861
29956
24447
Self amp family
66709
60028
35514
60028
49809
49809
66709
49809
60028
36598
65883
52008
44828
Self only
151489
13631
73576
136317
110827
110823
151489
110823
136317
87344
149613
122219
99744
Self amp family
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
72
Premium Benefit CY Ded Cat Limit Office Inpatient Outpatient Preventive Prescription Contribution Type SelfFamily SelfFamily Visit Hospital Surgery Services Drugs to HSAHRA Levels I II III Plan Name
Hawaii Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Idaho
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Altius Health Plans $4583$9166 $1250$2500 $5000$10000 $20 10 10 Nothing $7$25$50
Illinois
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirs outshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst outshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Indiana
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst outshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Iowa
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Coventry Health Care of Iowa $8333$16666 $2100$4200 $5000$10000 $25 15 45 Nothing $3 $10$45$70
Kansas
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Coventry Health Care of Kansas (Kansas City)shyHDHP $6666$13333 $2500$5000 $4000$8000 20 20 20 Nothing 202020
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst outshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
73
High Deductible and ConsumershyDriven Health Plans See pages 64shy65 for an explanation of the columns on these pages
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Kentucky
Aetna HealthFund shyCDHPshy Most of Kentucky
Humana CoverageFirst shyCDHPshy Lexington Area
Louisiana
Aetna HealthFund shyCDHPshy Most of Louisiana
Maine
Aetna HealthFund shyCDHPshy All of Maine
Maryland
Aetna HealthFund shyCDHPshy All of Maryland
CareFirst BlueChoice shyHDHPshy All of Maryland
Coventry Health Care HDHP shy All of Maryland
Massachusetts
Aetna HealthFund shyCDHPshy Most of Massachusetts
Michigan
Aetna HealthFund shyCDHPshy All of Michigan
Minnesota
Aetna HealthFund shyCDHPshy Most of Minnesota
Mississippi Aetna HealthFund shyCDHPshy Most of Mississippi
Plan Name
877shy459shy6604
888shy393shy6765
877shy459shy6604
877shy459shy6604
877shy459shy6604
888shy789shy9065
800shy833shy7423
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
Telephone Number
Enrollment Code
H41
6N1
F51
EP1
F51
B61
GZ1
EP1
G51
H41
H41
Self only
H42
6N2
F52
EP2
F52
B62
GZ2
EP2
G52
H42
H42
Self amp family
16237
10987
16322
20174
16322
14018
11980
20174
21977
16237
16237
Self only
38826
24447
39021
47770
39021
31268
26835
47770
51861
38826
38826
Self amp family
60028
44828
60115
64044
60115
57192
48880
64044
65883
60028
60028
Self only
136317
99744
136516
145440
136516
127574
109488
145440
149613
136317
136317
Self amp family
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
74
Premium Benefit CY Ded Cat Limit Office Inpatient Outpatient Preventive Prescription Contribution Type SelfFamily SelfFamily Visit Hospital Surgery Services Drugs to HSAHRA Levels I II III Plan Name
Kentucky
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst outshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Louisiana
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Maine
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Maryland
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
CareFirst BlueChoice InshyNetwork $3750$7500 $1500$3000 $4000$8000 Nothing $300 Nothing Nothing Nothing$30$60 CareFirst BlueChoice
Coventry Health Care HDHP
OutshyNetWork
InshyNetwork
$3750$7500
$4167$8334
$3000$6000
$2000$4000
$6000$12000
$4000$8000
$70
Nothing
$500
Nothing
$70
Nothing
Nothing
Nothing
Nothing$30$60
$3$15$30$60 Coventry Health Care HDHP OutshyNetWork $4167$8334 $2000$4000 $4000$8000 30 30 30 30 NA
Massachusetts
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Michigan
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Minnesota
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Mississippi Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
75
High Deductible and ConsumershyDriven Health Plans See pages 64shy65 for an explanation of the columns on these pages
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Missouri Aetna HealthFund shyCDHPshy Most of Missouri
Humana CoverageFirst shyCDHPshy Kansas City Area
Montana
Aetna HealthFund CDHP shy SouthSoutheastWestern MT Areas
Nebraska
Aetna HealthFund shyCDHPshy All of Nebraska
Nevada
Aetna HealthFund shyCDHPshy Las Vegas Area
New Hampshire
Aetna HealthFund shyCDHPshy All of New Hampshire
New Jersey
Aetna HealthFund shyCDHPshy All of New Jersey
New Mexico
Aetna HealthFund shyCDHPshy AlbuquerqueDona AnaHobbs Area
New York
Aetna HealthFund shyCDHPshy Most of New York
Independent Health Assoc shyHDHPshy Western New York
Plan Name
Coventry Health Care of Kansas (Kansas City)shyHDHP Kansas City Metro Area (KS and MO)
877shy459shy6604
800shy969shy3343
888shy393shy6765
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
800shy501shy3439
Telephone Number
Enrollment Code
G51
9H1
PH1
H41
H41
G51
EP1
EP1
G51
EP1
QA4
Self only
G52
9H2
PH2
H42
H42
G52
EP2
EP2
G52
EP2
QA5
Self amp family
21977
12747
10987
16237
16237
21977
20174
20174
21977
20174
9575
Self only
51861
29956
24447
38826
38826
51861
47770
47770
51861
47770
24919
Self amp family
65883
52008
44828
60028
60028
65883
64044
64044
65883
64044
39066
Self only
149613
122219
99744
136317
136317
149613
145440
145440
149613
145440
101669
Self amp family
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
76
Premium Benefit CY Ded Cat Limit Office Inpatient Outpatient Preventive Prescription Contribution Type SelfFamily SelfFamily Visit Hospital Surgery Services Drugs to HSAHRA Levels I II III Plan Name
Missouri Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Coventry Health Care of Kansas (Kansas City)shyHDHP $8333$16666 $2500$5000 $3500$7000 20 20 20 Nothing 202020
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst OutshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Montana
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Nebraska
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Nevada
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
New Hampshire
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
New Jersey
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
New Mexico
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
New York
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Independent Health Assoc InshyNetwork $6642$16667 $2000$4000 $5000$10000 $15 Nothing 20 Nothing $7$25$40 Independent Health Assoc OutshyNetWork $6642$16667 $2000$4000 $5000$10000 40 40 40 Nothing NA
77
High Deductible and ConsumershyDriven Health Plans See pages 64shy65 for an explanation of the columns on these pages
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
North Carolina
Aetna HealthFund shyCDHPshy All of North Carolina
North Dakota
Aetna HealthFund shyCDHPshy Most of North Dakota
Ohio Aetna HealthFund shyCDHPshy All of Ohio
AultCare HMO shyHDHPshy StarkCarrollHolmesTuscarawasWayne Co
Oklahoma Aetna HealthFund shyCDHPshy All of Oklahoma
Oregon Aetna HealthFund shyCDHPshy Most of Oregon
Pennsylvania
Aetna HealthFund shyCDHPshy All of Pennsylvania
HealthAmerica Pennsylvania shy HDHP shy Greater Pittsburgh Area
UPMC Health Plan shyHDHPshy Western Pennsylvania
Rhode Island
Aetna HealthFund shyCDHPshy All of Rhode Island
South Carolina
Aetna HealthFund shyCDHPshy All of South Carolina
Plan Name
877shy459shy6604
877shy459shy6604
877shy459shy6604
330shy363shy6360
877shy459shy6604
877shy459shy6604
877shy459shy6604
866shy351shy5946
888shy876shy2756
877shy459shy6604
877shy459shy6604
Telephone Number
Enrollment Code
F51
H41
JS1
3A4
JS1
H41
H41
Y61
8W4
EP1
JS1
Self only
F52
H42
JS2
3A5
JS2
H42
H42
Y62
8W5
EP2
JS2
Self amp family
16322
16237
22787
8669
22787
16237
16237
12298
12448
20174
22787
Self only
39021
38826
53701
17501
53701
38826
38826
28345
28053
47770
53701
Self amp family
60115
60028
66709
35369
66709
60028
60028
50178
50788
64044
66709
Self only
136516
136317
151489
71405
151489
136317
136317
115650
114458
145440
151489
Self amp family
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
78
North Carolina
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
North Dakota
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Ohio Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
AultCare HMO InshyNetwork $8333$16666 $2000$4000 $4000$8000 20 20 20 Nothing 202020 AultCare HMO OutshyNetWork $8333$16666 $4000$8000 $8000$16000 40 UCR 40 UCR 40 UCR 50 UCR
Oklahoma Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Oregon Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Pennsylvania
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
HealthAmerica Pennsylvania shy HDHP $6250$125 $1500$3000 $4000$8000 $15 Nothing Nothing Nothing $5$35$50
UPMC Health Plan InshyNetwork $8333$$16667 $2000$4000 $3000$6000 10after deduct Nothing UPMC Health Plan OutshyNetWork $8333$16667 $2000$4000 $6000$12000 30after deduct 30 NA
Rhode Island
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
South Carolina
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Plan Name
Premium Contribution to HSAHRA
CY Ded SelfFamily
Cat Limit SelfFamily
Office Visit
Inpatient Hospital
Outpatient Surgery
Preventive Services
Prescription Drugs
Levels I II III
Benefit Type
20 Plan Allow20 Plan Allow 20 Plan Allow
$5 after deduct$35 after deduct
10After Deduct
10 after deduct
30After Deduct
30 after deduct
79
High Deductible and ConsumershyDriven Health Plans See pages 64shy65 for an explanation of the columns on these pages
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
South Dakota
Aetna HealthFund shyCDHPshy Rapid CitySioux Falls Area
Tennessee
Aetna HealthFund shyCDHPshy Most of Tennessee
Texas Aetna HealthFund shyCDHPshy All of Texas
Humana CoverageFirst shyCDHPshy Corpus Christi Area
Humana CoverageFirst shyCDHPshy San Antonio Area
Humana CoverageFirst shyCDHPshy Austin Area
Utah Aetna HealthFund shyCDHPshy Most of Utah
Altius Health Plans shyHDHPshy Wasatch Front
Vermont
Aetna HealthFund shyCDHPshy All of Vermont
Virginia Aetna HealthFund shyCDHPshy Most of Virginia
CareFirst BlueChoice shyHDHPshy Northern Virginia
Plan Name
877shy459shy6604
877shy459shy6604
877shy459shy6604
888shy393shy6765
888shy393shy6765
888shy393shy6765
877shy459shy6604
800shy377shy4161
877shy459shy6604
877shy459shy6604
888shy789shy9065
Telephone Number
Enrollment Code
G51
F51
JS1
TP1
TU1
TV1
G51
9K4
EP1
F51
B61
Self only
G52
F52
JS2
TP2
TU2
TV2
G52
9K5
EP2
F52
B62
Self amp family
21977
16322
22787
12208
12208
13429
21977
8704
20174
16322
14018
Self only
51861
39021
53701
27163
27162
29879
51861
18033
47770
39021
31268
Self amp family
65883
60115
66709
49809
49809
54790
65883
35514
64044
60115
57192
Self only
149613
136516
151489
110827
110823
121906
149613
73576
145440
136516
127574
Self amp family
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
80
Premium Benefit CY Ded Cat Limit Office Inpatient Outpatient Preventive Prescription Contribution Type SelfFamily SelfFamily Visit Hospital Surgery Services Drugs to HSAHRA Levels I II III Plan Name
South Dakota
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Tennessee
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Texas Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst OutshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst OutshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst OutshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Utah Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Altius Health Plans $5208$10415 $1250$2500 $5000$10000 $20 10 10 Nothing $7$25$50
Vermont
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60
Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Virginia Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
CareFirst BlueChoice InshyNetwork $3750$7500 $1500$3000 $4000$8000 Nothing $300 Nothing Nothing Nothing$30$60 CareFirst BlueChoice OutshyNetWork $3750$7500 $3000$6000 $6000$12000 $70 $500 $70 Nothing Nothing$30$60
81
High Deductible and ConsumershyDriven Health Plans See pages 64shy65 for an explanation of the columns on these pages
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Washington Aetna HealthFund shyCDHPshy Most of Washington
KPS Health Plans shyHDHPshy All of Washington
West Virginia Aetna HealthFund shyCDHPshy Most of West Virginia
Wisconsin Aetna HealthFund shyCDHPshy All of Wisconsin
Wyoming
Aetna HealthFund shyCDHPshy All of Wyoming
Altius Health Plans shyHDHPshy Uinta County
Plan Name
877shy459shy6604
800shy552shy7114
877shy459shy6604
877shy459shy6604
877shy459shy6604
800shy377shy4161
Telephone Number
Enrollment Code
G51
L14
F51
JS1
H41
9K4
Self only
G52
L15
F52
JS2
H42
9K5
Self amp family
21977
10262
16322
22787
16237
8704
Self only
51861
22425
39021
53701
38826
18033
Self amp family
65883
41871
60115
66709
60028
35514
Self only
149613
91494
136516
151489
136317
73576
Self amp family
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
82
Washington Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
KPS Health Plans InshyNetwork $6250$125 $1300$2600 $4000$8000 20 None 20 Nothing KPS Health Plans OutshyNetWork $6250$125 $1300$2600 $4000$8000 40 None 40 Not Covered Not Covered
West Virginia Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Wisconsin Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Wyoming
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Altius Health Plans $5208$10415 $1250$2500 $5000$10000 $20 10 10 Nothing $7$25$50
Plan Name
Premium Contribution to HSAHRA
CY Ded SelfFamily
Cat Limit SelfFamily
Office Visit
Inpatient Hospital
Outpatient Surgery
Preventive Services
Prescription Drugs
Levels I II III
Benefit Type
$10$35$50 30day $100 90day
83
______________________________________________________________________________________________________________
Medicaid and the Childrenrsquos Health Insurance Program (CHIP) Offer Free or LowshyCost Health Coverage to Children and Families
If you or your children are eligible for Medicaid or CHIP and you are eligible for health coverage from your employer your State may have a premium assistance program that can help pay for coverage These States use funds from their Medicaid or CHIP programs to help people who are eligible for these programs but also have access to health insurance through their employer If you or your children are not eligible for Medicaid or CHIP you will not be eligible for these premium assistance programs
If you or your dependents are already enrolled in Medicaid or CHIP and you live in a State listed below you can contact your State Medicaid or CHIP office to find out if premium assistance is available
If you or your dependents are NOT currently enrolled in Medicaid or CHIP and you think you or any of your dependents might be eligible for either of these programs you can contact your State Medicaid or CHIP office or dial 1shy877shyKIDS NOW or wwwinsurekidsnowgov to find out how to apply If you qualify you can ask the State if it has a program that might help you pay the premiums for an employershysponsored plan
Once it is determined that you or your dependents are eligible for premium assistance under Medicaid or CHIP as well as eligible under your employer plan your employer must permit you to enroll in your employer plan if you are not already enrolled This is called a ldquospecial enrollmentrdquo opportunity and you must request coverage within 60 days of being determined eligible for premium assistance If you have questions about enrolling in your employer plan you can contact the Department of Labor electronically at wwwaskebsadolgov or by calling tollshyfree 1shy866shy444shyEBSA (3272)
If you live in one of the following States you may be eligible for assistance paying your employer health plan premiums The following list of States is current as of January 31 2013 You should contact your State for further information on eligibility ndash
ALABAMA ndash Medicaid KANSAS ndash Medicaid Website httpwwwmedicaidalabamagov Phone 1shy855shy692shy5447
Website httpwwwkdheksgovhcf Phone 1shy800shy792shy4884
ALASKA ndash Medicaid KENTUCKY ndash Medicaid Website httphealthhssstateakusdpaprogramsmedicaid Phone (Outside of Anchorage) 1shy888shy318shy8890 Phone (Anchorage) 907shy269shy6529
Website httpchfskygovdmsdefaulthtm Phone 1shy800shy635shy2570
ARIZONA ndash CHIP LOUISIANA ndash Medicaid Website httpwwwazahcccsgovapplicants Phone (Outside of Maricopa County) 1shy877shy764shy5437 Phone (Maricopa County) 602shy417shy5437
Website httpwwwlahippdhhlouisianagov Phone 1shy888shy695shy2447
COLORADO ndash Medicaid MAINE ndash Medicaid Medicaid Website httpwwwcoloradogov Medicaid Phone (In state) 1shy800shy866shy3513 Medicaid Phone (Out of state) 1shy800shy221shy3943
Website httpwwwmainegovdhhsofipublicshyassistanceindexhtml Phone 1shy800shy977shy6740 TTY 1shy800shy977shy6741
FLORIDA ndash Medicaid MASSACHUSETTS ndash Medicaid and CHIP Website httpswwwflmedicaidtplrecoverycom Phone 1shy877shy357shy3268
Website httpwwwmassgovMassHealth Phone 1shy800shy462shy1120
GEORGIA ndash Medicaid MINNESOTA ndash Medicaid Website httpdchgeorgiagov Click on Programs then Medicaid then Health Insurance Premium Payent (HIPP) Phone 1shy800shy869shy1150
Website httpwwwdhsstatemnus Click on Health Care then Medical Assistance Phone 1shy800shy657shy3629
IDAHO ndash Medicaid and CHIP MISSOURI ndash Medicaid Medicaid Website wwwaccesstohealthinsuranceidahogov Medicaid Phone 1shy800shy926shy2588 CHIP Website wwwmedicaididahogov CHIP Phone 1shy800shy926shy2588
Website httpwwwdssmogovmhdparticipantspageshipphtm Phone 573shy751shy2005
INDIANA ndash Medicaid MONTANA ndash Medicaid Website httpwwwingovfssa Phone 1shy800shy889shy9949
Website httpmedicaidproviderhhsmtgovclientpages clientindexshtml Phone 1shy800shy694shy3084
IOWA ndash Medicaid NEBRASKA ndash Medicaid Website wwwdhsstateiaushipp Phone 1shy888shy346shy9562
Website wwwACCESSNebraskanegov Phone 1shy877shy383shy4278
84
Medicaid and the Childrenrsquos Health Insurance Program (CHIP) Offer Free or LowshyCost Health Coverage to Children and Families
NEVADA ndash Medicaid SOUTH CAROLINA ndash Medicaid Medicaid Website httpdwssnvgov Medicaid Phone 1shy800shy992shy0900
Website httpwwwscdhhsgov Phone 1shy888shy549shy0820
NEW HAMPSHIRE ndash Medicaid SOUTH DAKOTA ndash Medicaid Website httpwwwdhhsnhgovoiidocumentshippapppdf Phone 603shy271shy5218
Website httpdsssdgov Phone 1shy888shy828shy0059
NEW JERSEY ndash Medicaid and CHIP TEXAS ndash Medicaid Medicaid Website httpwwwstatenjushumanservices dmahsclientsmedicaid Medicaid Phone 609shy631shy2392 CHIP Website httpwwwnjfamilycareorgindexhtml CHIP Phone 1shy800shy701shy0710
Website httpswwwgethipptexascom Phone 1shy800shy440shy0493
NEW YORK ndash Medicaid UTAH ndash Medicaid and CHIP Website httpwwwnyhealthgovhealth_caremedicaid Phone 1shy800shy541shy2831
Website httphealthutahgovupp Phone 1shy866shy435shy7414
NORTH CAROLINA ndash Medicaid VERMONTndash Medicaid Website httpwwwncdhhsgovdma Phone 919shy855shy4100
Website httpwwwgreenmountaincareorg Phone 1shy800shy250shy8427
NORTH DAKOTA ndash Medicaid VIRGINIA ndash Medicaid and CHIP Website httpwwwndgovdhsservicesmedicalservmedicaid Phone 1shy800shy755shy2604
Medicaid Website httpwwwdmasvirginiagovrcpshyHIPPhtm Medicaid Phone 1shy800shy432shy5924 CHIP Website httpwwwfamisorg CHIP Phone 1shy866shy873shy2647
OKLAHOMA ndash Medicaid and CHIP WASHINGTON ndash Medicaid Website httpwwwinsureoklahomaorg Phone 1shy888shy365shy3742
Website httphrsadshswagovpremiumpymtApplyshtm Phone 1shy800shy562shy3022 ext 15473
OREGON ndash Medicaid and CHIP WEST VIRGINIA ndash Medicaid Website httpwwworegonhealthykidsgov httpwwwhijossaludablesoregongov Phone 1shy877shy314shy5678
Website wwwdhhrwvgovbms Phone 1shy877shy598shy5820 HMS Third Party Liability
PENNSYLVANIA ndash Medicaid WISCONSIN ndash Medicaid Website httpwwwdpwstatepaushipp Phone 1shy800shy692shy7462
Website httpwwwbadgercareplusorgpubspshy10095htm Phone 1shy800shy362shy3002
RHODE ISLAND ndash Medicaid WYOMING ndash Medicaid Website wwwohhsrigov Phone 401shy462shy5300
Website httphealthwyogovhealthcarefinequalitycare Phone 307shy777shy7531
To see if any more States have added a premium assistance program since January 31 2013 or for more information on special enrollment rights you can contact either
US Department of Labor Employee Benefits Security Administration wwwdolgovebsa 1shy866shy444shyEBSA (3272)
US Department of Health and Human Services Centers for Medicare amp Medicaid Services wwwcmshhsgov 1shy877shy267shy2323 Ext 61565
OMB Control Number 1210shy0137 (expires 09302013)
85
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c2
Table of Contents
Page
Introduction to the Federal Employees Health Benefits (FEHB) Program and this Guide 2
Federal Employees Health Benefits (FEHB) Program 3
Temporary Continuation of Coverage (TCC) 5
FEHB Program Health Information Technology and PriceCost Transparency 8
Appendix A FEHB Program Features 9
Appendix B Choosing an FEHB Plan 10
Appendix C Qualifying Life Events 13
Appendix D Member Survey Results 14
Appendix E FEHB Plan Comparison Charts 15
bull Nationwide FeeshyforshyService Plans 16
bull Health Maintenance Organization Plans and Plans Offering a PointshyofshyService Product 21
bull High Deductible and ConsumershyDriven 60
Medicaid and the Childrenrsquos Health Insurance Program (CHIP) 84
1
Introduction to the Federal Employees Health Benefits (FEHB) Program and this Guide
The Indian Health Care Improvement Act (IHCIA) section 409 ldquoAccess to Federal Insurancerdquo under the Patient Protection and Affordable Care Act (ACA) extends entitlement to purchase coverage in the FEHB Program to the following groups (hereinafter tribal employer)
1) Indian tribes or tribal organizations carrying out programs under the Indian SelfshyDetermination and Education Assistance Act and
2) Urban Indian organizations carrying out programs under title V of the Indian Health Care Improvement Act
The purpose of this Guide is to provide you basic information about the benefits offered to you as the tribal employee of a tribal employer that has chosen to participate in the FEHB Program This Guide will assist you with the process of selecting and enrolling in a plan that meets your health care needs during any of the following events
bull Initial Enrollment Opportunity bull Annual Open Season bull Qualifying Life Events bull Becoming eligible for Temporary Continuation of Coverage
Things to consider
1) See pages 3 and 4 for general information on FEHB (including eligibility) and Appendix B for guidance on choosing a plan
2) If you decide to enroll examine the brochure of each plan you are interested in to ensure the benefits and premiums meet your needs and the plan is available in your geographic area and
3) Contact your tribal employer for information on how to enroll
How do I get more information about this Program
Visit the FEHB Program online at wwwopmgovhealthcareshyinsuranceindianshytribeshealthshyinsurance for information including
bull How to compare health plans and choose the one that meets your needs bull Health plan websites and plan brochures bull Getting quality healthcare bull Medicare and FEHB
2
bull
Federal Employees Health Benefits (FEHB) Program
What does this Program offer
The FEHB Program offers a wide variety of plans and coverage to help you meet your health care needs It is group coverage available to eligible tribal employers that have chosen to participate in the FEHB Program for their eligible tribal employees It also covers eligible family members of those tribal employees If you leave tribal employment the FEHB Program offers Temporary Continuation of Coverage (TCC) as well as an opportunity to convert your enrollment to nonshygroup (private) coverage Please refer to the TCC section in this Guide for more details
Appendix E includes a comparison chart of all the plans in the FEHB Program with information comparing basic benefits and costs
Key FEHB Program facts
bull You can choose from FeeshyforshyService plans or Health Maintenance Organization plans with comprehensive coverage and higher premiums or ConsumershyDriven and High Deductible plans that offer catastrophic risk protection with higher deductibles health savingsreimbursement accounts and lower premiums
bull There are no waiting periods and no preshyexisting condition limitations even if you change plans
bull All nationwide FEHB plans offer international coverage
bull There are separate andor different provider networks for each plan Utilizing an inshynetwork provider may reduce your outshyofshypocket costs
bull FEHB coverage continues each year You do not need to reshyenroll each year If you are happy with your current coverage do nothing Please note that your premiums and benefits may change
bull The FEHB Open Season for Tribal Employees begins on the Monday of the second full work week in November and ends on the Monday of the second full week in December This yearrsquos Open Season is from Monday November 11 2013 through Monday December 9 2013
bull If your tribal employer participates in premium conversion FEHB enrollment changes can only be made during the annual Open Season or if you experience a Qualifying Life Event (QLE) Premium conversion allows tribal employees to use preshytax dollars to pay their FEHB premiums Check with your tribal employer to see if they participate in premium conversion
bull If your tribal employer does not participate in premium conversion or you choose not to participate in premium conversion you may change your FEHB enrollment from Self and Family to Self Only or cancel coverage at any time Other FEHB enrollment changes must be made during the annual Open Season or if you experience a QLE
What enrollment types are available
bull Self Only which covers only the enrolled tribal employee or
bull Self and Family which covers the enrolled tribal employee and all eligible family members
Am I eligible to enroll
You may be eligible if you are employed by a tribal employer that participates in the FEHB Program If your tribal employer has not provided you with information about FEHB enrollment you should contact them for information
3
Federal Employees Health Benefits (FEHB) Program
Which family members are eligible
Family members covered under your Self and Family enrollment are
bull Your spouse (including a valid common law marriage) and
bull Children under age 26 including legally adopted children recognized natural children and stepchildren
ndash Foster children are included if they meet certain requirements
ndash A child age 26 or over who is incapable of selfshysupport because of a mental or physical disability that
existed before age 26 is also an eligible family member
Contact your tribal employer for additional information In determining whether the child is a covered
family member your tribal employer will look at the childrsquos relationship to you as an FEHB enrollee
How much does it cost
The premiums for your FEHB enrollment are shared by you and your tribal employer Your tribal employer pays at a minimum the lesser of 72 of the average total premium of all plans weighted by the number of enrollees in each or 75 of the premium for the specific plan you choose If you are a tribal employee of a tribal employer that participates in premium conversion and you have chosen to participate you automatically pay your share of premium through a payroll deduction using preshytax dollars
The charts in Appendix E provide cost information for all plans in the FEHB Program
Please note that the provided rates are the maximum amount you will be required to pay for your premium Your tribal employer may choose to pay a higher portion of your premium Check with your tribal employer for exact rates You may have other outshyofshypocket costs in addition to your premium such as copays coinsurance and deductibles
When can I enroll or change my FEHB enrollment
If you are employed by a tribal employer that has recently elected to purchase health insurance through the FEHB Program you now have an opportunity to enroll in coverage Your tribal employer will provide you with the exact dates of your Initial Enrollment Opportunity and your effective date of coverage
If you chose not to enroll during the Initial Enrollment Opportunity you may also enroll 1) during the annual Open Season held from the Monday of the second full work week in November through the Monday of the second full work week in December (this yearrsquos Open Season is from November 11 through December 9 2013) or 2) if you have a qualifying life event (QLE)
If you participate in premium conversion you may enroll change your enrollment type change plans or cancel outside of Open Season only if you experience a QLE such as a change in family or other insurance coverage status Appendix C contains more specific information about QLEs that permit tribal employees to enroll or change enrollment in the FEHB Program However if you do not participate in premium conversion you may change your enrollment type from Self and Family to Self Only or cancel coverage at any time
How do I enroll or change my FEHB enrollment
You must enroll or change your FEHB enrollment by completing the Health Benefits Election Form (SF 2809) This form is available on our website at wwwopmgovformspdf_fillsf2809pdf You can find information and guidance on the SF 2809 at wwwopmgovhealthcareshyinsuranceindianshytribesreferenceshymaterialsenrollmentshyformshy2809shyemployeeshyguidancepdf Contact your tribal employer for details
4
Temporary Continuation of Coverage (TCC)
This section provides basic information about the Temporary Continuation of Coverage (TCC) provisions of the FEHB Program
What does TCC offer
TCC allows former tribal employees and formerly eligible family members to continue their FEHB Program coverage for a limited period TCC offers the same FEHB coverage and benefits that are available to tribal employees
Who is Eligible for TCC
Individuals eligible for TCC include
bull Former tribal employees whose FEHB coverage ended because they separated from tribal employment (including retirement) unless they were separated for gross misconduct
bull Children who lose coverage under a Self and Family FEHB enrollment of a current or former tribal employee because they are no longer considered eligible family members and
bull Former (divorced) spouses who lose coverage under a Self and Family FEHB enrollment of a current or former tribal employee
Which family members are eligible
Family members covered under your Self and Family TCC enrollment include
bull Your spouse (including a valid common law marriage)
bull Children under age 26 including recognized natural children legally adopted children and
stepchildren Foster children are included if they meet certain requirements
bull Your child age 26 or over who is incapable of selfshysupport because of a mental or physical
disability that existed before age 26
Note In determining whether the child is a covered family member your tribal employer will look at the childrsquos relationship to you as an FEHB enrollee
What TCC enrollment types are available
bull Self Only which only covers the TCC enrollee or
bull Self and Family which covers the TCC enrollee and all eligible family members
Note A former (divorced) spousersquos eligible family members are limited to children of both the tribal employee and the former spouse
5
Temporary Continuation of Coverage (TCC)
How much does it cost Under TCC you pay the total monthly premium (enrolleersquos share plus the tribal employerrsquos share) plus a 2 percent administrative charge The charts in Appendix E provide cost information for all plans in the FEHB Program
When can I enroll
Individuals eligible for TCC generally must enroll within 60 days after the qualifying event permitting enrollment or after receiving notice of eligibility from the tribal employer whichever is later The opportunity to elect TCC ends 60 days after the qualifying event if (1) you do not notify your tribal employer within 60 days of your childrsquos loss of coverage or (2) you or your former (divorced) spouse do not notify your tribal employer within 60 days of your divorce
How do I enroll
You must enroll by completing the Health Benefits Election Form (SF 2809) This form is available on our website at wwwopmgovformspdf_fillsf2809pdf You can find information and guidance on the SF 2809 at wwwopmgovhealthcareshyinsuranceindianshytribesreferenceshymaterialsenrollmentshyformshy2809shyemployeeshyguidancepdf
If you are a former tribal employee contact your tribal employer If you are a child contact the tribal employer of your parent who is the FEHB enrollee If you are a former (divorced) spouse contact the tribal employer of your former spouse
When can I change my TCC enrollment Former tribal employees children andor former (divorced) spouses with an existing TCC enrollment may change their enrollment during the annual Open Season or based upon a qualifying life event (QLE) A QLE is a term defined by OPM to describe events that may allow you to change your FEHB enrollment
A complete listing of QLEs can be found in Table 4 of the Tables of Permissible Changes of the SF 2809 at wwwopmgovformspdf_fillsf2809pdf
Be aware this information only applies to individuals with an existing TCC enrollment and that time limits apply for requesting changes
6
Temporary Continuation of Coverage (TCC)
When does my TCC coverage end
If you are a former tribal employee TCC ends on the date that is 18 months after the date of your separation from tribal employment
If you are a child TCC ends on the date that is 36 months from the date you cease being an eligible family member for FEHB purposes
If you are a former (divorced) spouse TCC ends on the date that is 36 months from the date you cease being an eligible family member for FEHB purposes
Note As a TCC enrollee you may voluntarily cancel your TCC enrollment at any time However once your cancellation takes effect you cannot reenroll in the FEHB Program You will not be entitled to a 31shyday extension of coverage for conversion to a nonshygroup (private) policy Family members who lose coverage upon your cancellation may enroll only if they are eligible for FEHB in their own right as tribal employees
If your TCC enrollment terminates because you acquire other FEHB coverage and that coverage ends before your original TCC eligibility period ends you may reenroll for the time remaining until your original TCC ending date
How do I get more information about TCC
Visit FEHB online at wwwopmgovhealthcareshyinsuranceindianshytribeshealthshyinsurance for more information about Temporary Continuation of Coverage
7
FEHB Program Health Information Technology and PriceCost Transparency
Did You Knowhellip Health Information Technology can improve your health
What is Health Information Technology Health Information Technology (HIT) allows doctors and hospitals to manage medical information and to securely exchange information among patients and providers In a variety of ways HIT has a demonstrated benefit in improving health care quality preventing medical errors reducing costs and decreasing paperwork
What are examples of HIT at work
bull You can go online to review your medical pharmacy and laboratory claims information
bull If you complete a Health Risk Assessment (HRA) your health plan can identify you as a candidate for case management or disease management and offer suggestions on healthy lifestyle strategies and how to reduce or eliminate health risks Health plans can provide you with tips and educational material about good health habits information about routine care that is age and gender appropriate
bull Physicians can have the very best clinical guidelines at their fingertips for managing and treating diseases
bull While with a patient a physician can enter a prescription on a computer where potential allergies and adverse reactions are shown immediately
bull Computer alerts are sent to physicians to remind them of a patientrsquos preventive care needs and to track referrals and test results
One feature of HIT is the Personal Health Record (PHR) The electronic version of your medical records allows you to maintain and manage health information for yourself and your family in a private and secure electronic environment Some health plans include your medical claims data in your PHR which gives a more complete picture of your health status and history
You can also find a PHR on OPMrsquos website at wwwopmgovhealthcareshyinsurancespecialshyinitiativesmanagingshymyshyownshyhealth This PHR is a fillable and downloadable form that you complete yourself and save on your home computer We encourage you to take a look at this PHR option and if you determine it will fulfill your recordshykeeping needs take advantage of this opportunity
Pricecost transparency is another element of health information technology For example many health plans allow you to use online tools that will show what the plan will pay on average for a specific procedure or for a specific prescription drug You can also review healthcare quality indicators for physician and hospital services
The health plans listed on our HIT website at wwwopmgovhealthcareshyinsurancehealthcarereferenceshymaterialsurl=HIT have taken steps to help you become a better consumer of health care and have met OPMrsquos HIT quality and pricecost transparency standards
No one is more responsible for your health care than you ndash HIT tools can help
8
Appendix A FEHB Program Features
No waiting periods You can use your benefits as soon as your coverage becomes effective There are no preshyexisting condition limitations
A choice of coverage You can choose Self Only coverage just for you or Self and Family coverage for you your spouse and children under age 26 Under certain circumstances your FEHB enrollment may cover your disabled child 26 years old or older who is incapable of selfshysupport
A choice of plans and options The FEHB Program offers FeeshyforshyService plans plans offering a PointshyofshyService product Health Maintenance Organizations High Deductible Health Plans and ConsumershyDriven Health Plans
Employing office contributions Your tribal employer pays at a minimum 72 percent of the average premium of all plans toward the total cost of your premium Please check with your tribal employer for exact rates
Salary deductions You pay your share of the premium through a payroll deduction If your tribal employer participates in premium conversion you may choose to pay your share of the FEHB premium with preshytax dollars
Enrollment opportunities Each year you can enroll or change your health plan enrollment during the annual Open Season Open Season runs from the Monday of the second full work week in November to the Monday of the second full work week in December This year Open Season will run from November 11 through December 9 2013 Also certain qualifying life events (QLEs) allow for certain types of changes throughout the year see your tribal employer for details
Continued group coverage The FEHB Program offers continued FEHB coverage bull For you or your family when you move transfer or go on leave without pay or enter military service (certain rules about coverage and premium amounts apply see your tribal employer)
Coverage after FEHB ends The FEHB Program offers temporary continuation of coverage (TCC) and conversion to nonshygroup (private) coverage bull For you and your family if you leave your job or retire bull For your covered child if he or she turns age 26 or bull For your former spouse when you divorce
Coverage for family members if you die Your surviving family members may be eligible to continue coverage as described below bull If you have a Self and Family FEHB enrollment with only a spouse your spouse is eligible for conversion to nonshygroup (private) coverage bull If you have a Self and Family FEHB enrollment with a child or children the child(ren) are eligible for Temporary Continuation of Coverage (TCC) and may cover your spouse Eligible family members may convert to nonshygroup (private) coverage when TCC expires at the end of 36 months
If you lose coverage under the FEHB Program you should automatically receive a Certificate of Group Health Plan Coverage from the last FEHB plan to cover you If not the plan must give you one on request This certificate may be important to qualify for benefits if you join a nonshyFEHB plan
9
Appendix B Choosing an FEHB Plan
What type of health plan is best for you You have some basic questions to answer about how you pay for and access medical care Here are the different types of plans from which to choose
Types of Plans Choice of doctors hospitals pharmacies and other providers
Specialty care Outshyofshypocket costs Paperwork
FeeshyforshyService wPPO (Preferred Provider Organization)
You must use the planrsquos network to reduce your outshyofshypocket costs For BCBS Basic Option you must use Preferred providers for your care to be eligible for benefits
Referral not required to get benefits
You pay fewer costs if you use a PPO provider than if you donrsquot
Some if you donrsquot use network providers
Health Maintenance You generally must Referral generally Your outshyofshypocket Little if any Organization use the planrsquos network
to reduce your outshyofshypocket costs
required from primary care doctor to get benefits
costs are generally limited to copayments
PointshyofshyService You must use the planrsquos network to reduce your outshyofshypocket costs You may go outside the network but you will pay more
Referral generally required to get maximum benefits
You pay less if you use a network provider than if you donrsquot
Little if you use the network You have to file your own claims if you donrsquot use the network
ConsumershyDriven You may use network Referral not required You will pay an Some if you donrsquot use Health Plans and nonshynetwork
providers You will pay more by not using the network
to get maximum benefits from PPOs
annual deductible and costshysharing You pay less if you use the network
network providers You file a claim to obtain reimbursement from your HRA
High Deductible Health Plans wHealth Savings Account (HSA) or Health Reimbursement Arrangement (HRA)
Some plans are network only others pay something even if you do not use a network provider
Referral not required to get maximum benefits from PPOs
You will pay an annual deductible and costshysharing You pay less if you use the network
Some if you donrsquot use network providers If you have an HSA or HRA account you may have to file a claim to obtain reimbursement
10
Appendix B Choosing an FEHB Plan
What should you consider when choosing a plan Having a variety of plans to choose from is a good thing but it can make the process confusing We have a tool on our website that will help you narrow your plan choice based on the benefits that are important to you go to wwwopmgovhealthcareshyinsuranceindianshytribeshealthshyinsurance You can also find help in selecting a plan using tools provided by PlanSmartChoice at wwwplansmartchoicecomregistrationaspx
Ask yourself these questions
1 How much does the plan cost This includes the premium you pay
2 What benefits does the plan cover Make sure the plan covers the services or supplies that are important to you and know its limitations and exclusions
3 What are my outshyofshypocket costs Does the plan charge a deductible (the amount you must first pay before the plan begins to pay benefits) What is the copayment or coinsurance (the amount you share in the cost of the service or supply)
4 Who are the doctors hospitals and other care providers I can use Your costs are lower when you use providers who are part of the plan these are ldquoinshynetworkrdquo providers
5 How well does my plan provide quality care Quality care varies from plan to plan and here are three sources for reviewing quality
bull Member survey results ndash evaluations by current plan members are posted within the health plan benefit charts in this Guide
bull Effectiveness of care ndash how a plan performs in preventing or treating common conditions is measured by the Healthcare Effectiveness Data and Information Set and is found at wwwopmgovhealthcareshyinsurancehealthcareplanshyinformationqualityshyhealthcareshyscores
bull Accreditation ndash evaluations of health plans by independent accrediting organizations Check the cover of your health planrsquos brochure for its accreditation level or go to httpreportcardncqaorgplanexternalplansearchaspx
1111
Appendix B Choosing an FEHB Plan
Definitions
Brand name drug shy A prescription drug that is protected by a patent supplied by a single company and marketed under the manufacturerrsquos brand name
Coinsurance shy The amount you pay as your share for the medical services you receive such as a doctorrsquos visit Coinsurance is a percentage of the planrsquos allowance for the service (you pay 20 for example)
Copayment shy The amount you pay as your share for the medical services you receive such as a doctorrsquos visit A copayment is a fixed dollar amount (you pay $15 for example)
Deductible shy The dollar amount of covered expenses an individual or family must pay before the plan begins to pay benefits There may be separate deductibles for different types of services For example a plan can have a prescription drug benefit deductible separate from its calendar year deductible
Formulary or Prescription Drug List shy A list of both generic and brand name drugs often made up of different costshysharing levels or tiers that are preferred by your health plan Health plans choose drugs that are medically safe and cost effective A team including pharmacists and physicians determines the drugs to include in the formulary
Generic Drug shy A generic medication is an equivalent of a brand name drug A generic drug provides the same effectiveness and safety as a brand name drug and usually costs less A generic drug may have a different color or shape than the brand name but it must have the same active ingredients strength and dosage form (pill liquid or injection)
InshyNetwork shy You receive treatment from the doctors clinics health centers hospitals medical practices and other providers with whom your plan has an agreement to care for its members
OutshyofshyNetwork shy You receive treatment from doctors hospitals and medical practitioners other than those with whom the plan has an agreement at additional cost Members who receive services outside the network may pay all charges
Premium Conversion shy Premium conversion allows tribal employees who are eligible for FEHB the opportunity to pay their share of FEHB premiums with preshytax dollars In order for tribal employees to participate in premium conversion their tribal employer must have a premium conversion plan Premium conversion plans are governed by the Internal Revenue Code and IRS rules govern when participants may change their enrollment or cancel outside of the annual Open Season
Provider shy A doctor hospital health care practitioner pharmacy or health care facility
Qualifying Life Events shy An event that may allow enrollees in the FEHB Program to change their health benefits enrollment outside of an Open Season These events also apply to tribal employees under premium conversion and include events such as change in family status or change in employment status
Additional definitions are located at the beginning of the sections introducing the different types of health plans
12
Appendix C Qualifying Life Events
Note This information does not apply to individuals who have a Temporary Continuation of Coverage (TCC) FEHB enrollment Please see the TCC section of this Guide if you are a current TCC enrollee
Qualifying Life Events
A qualifying life event (QLE) is a term defined by OPM to describe events that may allow a tribal employee to enroll in the FEHB Program make changes to hisher FEHB enrollment or make changes to hisher premium conversion participation if applicable
Outside of Open Season you can make changes to your FEHB enrollment if you experience certain QLEs The most common QLEs for changing FEHB enrollment type or plan are marriage acquiring a child moving away from the service area of your Health Maintenance Organization (HMO) losing health insurance coverage or changing employment status Your eligibility to make certain changes to your FEHB enrollment will depend upon whether or not you participate in premium conversion
Tribal Employees who Participate in Premium Conversion
Premium conversion allows tribal employees who are eligible for FEHB the opportunity to pay their share of FEHB premiums with preshytax dollars Your tribal employer may choose whether or not to have a premium conversion plan If your tribal employer has a premium conversion plan you may choose to participate or not participate If your tribal employer does not have a premium conversion plan you may not participate
Premium conversion plans are governed by the Internal Revenue Code and IRS rules govern when you may change your FEHB enrollment or premium conversion status outside of the annual Open Season If you experience a QLE you may change your FEHB enrollment (including a change to Self Only or cancellation) provided the action is consistent with the QLE
If you participate in premium conversion please refer to QLE Table 1 of the Standard Form (SF) 2809 at wwwopmgovformspdf_fillsf2809pdf for detailed information If you need assistance in accessing the SF 2809 or have additional questions please contact your tribal employer
Tribal Employees who do not Participate in Premium Conversion
If your tribal employer does not have a premium conversion plan or if they have a plan and you choose not to participate you are not subject to IRS rules for when you can make certain changes to your FEHB enrollment However you are subject to OPM rules for employees who do not participate in premium conversion
An important difference is that a tribal employee who does not participate in premium conversion may cancel hisher FEHB enrollment or change from a Self and Family to a Self Only enrollment at any time
If you do not participate in premium conversion please refer to QLE Table 5 of the SF 2809 at wwwopmgovformspdf_fillsf2809pdf for detailed information If you need assistance in accessing the SF 2809 or have additional questions please contact your tribal employer
13
Appendix D FEHB Member Survey Results
Each year FEHB plans with 500 or more subscribers mail the Consumers Assessment of Healthcare Providers and Systems (CAHPS)1 to a random sample of plan members For Health Maintenance Organizations (HMO)PointshyofshyService (POS) and High Deductible Health Plans (HDHP) and ConsumershyDriven Health Plans (CDHP) the sample includes all commercial plan members including nonshyFederal members For FeeshyforshyService (FFS)Preferred Provider Organization (PPO) plans the sample includes Federal members only The CAHPS survey asks questions to evaluate membersrsquo satisfaction with their health plans Independent vendors certified by the National Committee for Quality Assurance administer the surveys
OPM reports each planrsquos scores on the various survey measures by showing the percentage of satisfied members on a scale of 0 to 100 Also we list the national average for each measure Since we offer HMO plans FFSPPO plans HDHP and CDHP plans we compute a separate national average for each plan type
Survey findings and member ratings are provided for the following key measures of member satisfaction
bull Overall Plan Satisfaction ndash This measure is based on the question ldquoUsing any number from 0 to 10 where 0 is the worst health plan possible and 10 is the best health plan possible what number would you use to rate your health planrdquo We report the percentage of respondents who rated their plan 8 or higher
bull Getting Needed Care ndash How often was it easy to get an appointment the care tests or treatment you thought you needed through your health plan
bull Getting Care Quickly ndash When you needed care right away how often did you get care as soon as you thought you needed Not counting the times you needed care right away how often did you get an appointment at a doctors office or clinic as soon as you wanted
bull How Well Doctors Communicate ndash How often did your personal doctor explain things in a way that was easy to understand How often did your personal doctor listen carefully to you show respect for what you had to say and spend enough time with you
bull Customer Service ndash How often did your health planrsquos customer service department give you the information or help you needed How often did your health planrsquos customer service staff treat you with courtesy and respect How often were the forms from your health plan easy to fill out
bull Claims processing ndash How often did your health plan handle your claims quickly and correctly
bull Plan Information on Costs ndash How often were you able to find out from your health plan how much you would have to pay for a health care service or equipment or for specific prescription drug medicines
In evaluating plan scores you can compare individual plan scores against other plans and against the national averages Generally new plans and those with fewer than 500 FEHB subscribers do not conduct CAHPS Therefore some of the plans listed in the Guide will not have survey data 1 CAHPS is a registered trademark of the Agency for Healthcare Research and Quality (AHRQ)
14
Appendix E FEHB Plan Comparison Charts
Nationwide FeeshyforshyService Plans (Pages 16 through 19)
FeeshyforshyService (FFS) plans with a Preferred Provider Organization (PPO) ndash A FeeshyforshyService plan provides flexibility in using medical providers of your choice You may choose medical providers who have contracted with the health plan to offer discounted charges You may also choose medical providers who do not contract with the plan but you will pay more of the cost
Medical providers who have contracts with the health plan (Preferred Provider Organization or PPO) have agreed to accept the health planrsquos reimbursement You usually pay a copayment or a coinsurance amount and do not file claims or other paperwork Going to a PPO hospital does not guarantee PPO benefits for all services received in the hospital however Lab work radiology and other services from independent practishytioners within the hospital are frequently not covered by the hospitalrsquos PPO agreement If you receive treatshyment from medical providers who are not contracted with the health plan you either pay them directly and submit a claim for reimbursement to the health plan or the health plan pays the provider directly according to plan coverage and you pay a deductible coinsurance or the balance of the billed charge In any case you pay a greater amount in outshyofshypocket costs
PPOshyonly ndash A PPOshyonly plan provides medical services only through medical providers that have contracts with the plan With few exceptions there is no medical coverage if you or your family members receive care from providers not contracted with the plan
FeeshyforshyService plans open only to specific groups ndash Several FeeshyforshyService plans that are sponshysored or underwritten by an employee organization strictly limit enrollment to persons who are members of that organization If you are not certain if you are eligible check with your human resources office first
The Health Maintenance Organization (HMO) and PointshyofshyService (POS) section begins on page 21
The High Deductible Health Plan (HDHP) and ConsumershyDriven Health Plan (CDHP) section begins on page 60
Please note that the premium rates provided are the maximum amount you will be expected to pay for your premium Your tribal employer may choose to pay a higher portion of your premium Please check with your tribal employer for exact rates
The tables on the following pages highlight selected features that may help you narrow your choice of health plans The tables do not show all of your possible outshyofshypocket costs All benefits are subject to the definitions limitations and exclusions set forth in each planrsquos Federal brochure which is the official statement of benefits available under the planrsquos contract with the Office of Personnel Management Always consult plan brochures before making your final decision
15
Nationwide FeeshyforshyService Plans
How to read this chart
The table below highlights selected features that may help you narrow your choice of health plans Always consult plan brochures before making your final decision The chart does not show all of your possible outshyofshypocket costs
The Deductibles shown are the amount of covered expenses that you pay before your health plan begins to pay
Calendar Year deductibles for families are two or more times the per person amount shown
In some plans your combined Prescription Drug purchases from Mail Order and local pharmacies count toward the deductible In other plans only purchases from local pharmacies count Some plans require each family member to meet a per person deductible
The Hospital Inpatient deductible is what you pay each time you are admitted to a hospital
Doctors shows what you pay for inpatient surgical services and for office visits
Your share of Hospital Inpatient Room and Board covered charges is shown
Your Maximum Monthly Premium is the maximum amount you will pay for your premium Your tribal employer may choose to pay a higher portion of your premium Check with your tribal employer for exact rates
Temporary Continuation of Coverage (TCC) allows former tribal employees and formerly eligible family members to continue their FEHB coverage for a limited period Under TCC you pay the total monthly premium (enrolleersquos share plus the tribal employerrsquos share) plus a 2 administrative charge which equals 102 of Total Monthly Premium
Plan Name Open to All Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your
Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
APWU Health Plan (APWU) shyhigh
Blue Cross and Blue Shield Service Benefit Plan (BCBS) shystd
Blue Cross and Blue Shield Service Benefit Plan (BCBS) shybasic
GEHA Benefit Plan (GEHA) shyhigh
GEHA Benefit Plan (GEHA) shystd
MHBP shystd
MHBP shyValue Plan
NALC shyhigh
NALC Value Option
SAMBA shyhigh
SAMBA shystd
800shy222shy2798
Local phone
Local phone
800shy821shy6136
800shy821shy6136
800shy410shy7778
800shy410shy7778
888shy636shy6252
888shy636shy6252
800shy638shy6589
800shy638shy6589
471
104
111
311
314
454
414
321
KM1
441
444
472
105
112
312
315
455
415
322
KM2
442
445
13670
19028
13209
20317
10418
20913
11302
16122
9001
27523
13171
30910
44412
30930
48310
23691
50565
26946
32727
19546
70356
30081
55776
62875
53893
64190
42505
64798
46114
59911
36724
71540
53739
126114
142015
126195
145991
96659
148291
109939
130096
79748
168477
122733
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
16
Prescription Drugs ndash Prescription Drug Payment Levels shy Plans use terms such as Level (L I L II) or Tier (T1 T2) to show what you pay for generic or brand name prescription drugs The payment levels that plans use follow L I or Tier 1 includes generic drugs but may include some preferred brands L II or Tier 2 includes preferred brands and may include some generics L III or Tier 3 includes nonshypreferred brands other covered drugs and with some exceptions specialty drugs L IV or Tier 4 includes mostly preferred specialty drugs L V or Tier 5 generally includes nonshypreferred specialty drugs
Mail Order Discounts ndash If your plan has a Mail Order program (typically for maintenance drugs) and its response is ldquoYesrdquo in general its Mail Order program is superior to its retail pharmacy benefit (eg you obtain a greater quantity for less cost than retail pharmacy purchases) If your plan does not have a Mail Order program or it does not offer a superior benefit to retail pharshymacy purchases the response will be ldquoNordquo
The prescription drug copayments or coinsurances described in this chart do not represent the complete range of costshysharing under these plans Many plans have variations in their prescription drug benefits (eg you pay the greater of a dollar amount or a percentage or you pay one amount for your first prescription and then a different amount for refills) You must read the plan brochure for a complete description of prescription drug and all other benefits
MedicalshySurgical ndash You Pay
Copay ($)Coinsurance ()
Plan
APWU shyhigh
BCBS shystd
BCBS shybasic
GEHA shyhigh
GEHA shystd
MHBP shystd
MHBP shyvalue
NALC shyhigh
NALC shyValue
SAMBA shyhigh
SAMBA shystd
Benefit Type
Per Person
Calendar Year
Prescription Drug
Hospital Inpatient
Do
Office Visits
ctors
Inpatient Surgical Services
Hospital Inpatient
RampB Level I
Prescription Drugs
Level II Level III
PPO $275 None None $18 10 10 $8 2525 Yes NonshyPPO $500 None $300 30+diff 30+diff 30 50 5050 Yes
PPO $350 None $250 $20 15 Nothing 2015 Medicare B T2 30$80 T3 45$105 Yes NonshyPPO $350 None $350 + 35+ 35+ 35+ Nothing 45+ T1shyT5 T4 30$35$95 T5 30$55$155 Yes
PPO None None $175day $875 Max $25 $200 Nothing $1030day $3090day T2 $45 T3 50($55Min) T4 $50to$140 T5 $70to$195
NA
PPO $350 None $100 $20 10 Nothing $10 25 Max $150NA Yes NonshyPPO $350 None $300 25 25 Nothing $10 25 Max $150 +NA Yes
PPO $350 None None $10 15 15 $10 50 Max $200NA Yes NonshyPPO $350 None None 35 35 35 $10 50 Max $200 +NA Yes
PPO $400 None $200 $20 10 Nothing $5 30($200 max)50($200 max) Yes NonshyPPO $600 None $500 30 30 30 50 5050 Yes
PPO $600 None None $30 20 20 $10 4575 Yes NonshyPPO $900 Not Covered None 40 40 40 Not Covered Not Covered Yes
PPO $300 None $200 $20 15 Nothing 20 3045 Yes NonshyPPO $300 None $350 30 30 30 45+ 45+45+ Yes
NonshyPPO $4000 None 50 50 50 50 50 5050+ No PPO $2000 None 20 20 20 20 $10 $40$60 No
PPO $300 None $200 $20 10 Nothing $8 20($55 max)35($100 max) Yes NonshyPPO $300 None $300 30 30 30 $8 20($55 max)35($100 max) Yes
PPO $350 None $150 up to $450 $20 15 Nothing $8 30($70 max)40($110 max) Yes NonshyPPO $350 None $200 up to $600 35 35 35 $8 30($70 max)40($110 max) Yes
Deductible
Mail Order Discounts
17
Nationwide FeeshyforshyService Plans
Member Survey results are collected scored and reported by an independent organization ndash not by the health plans See Appendix D for a fuller explanation of each survey category
Overall Plan Satisfaction bull How would you rate your overall experience with your health plan
Getting Needed Care bull How often was it easy to get an appointment the care tests or treatment you thought you needed through your health plan
Getting Care Quickly bull When you needed care right away how often did you get care as soon as you thought you needed bull Not counting the times you needed care right away how often did you get an appointment at a doctorrsquos office or clinic as soon as you thought you needed
How Well Doctors bull How often did your personal doctor explain things in a way that was easy to understand Communicate bull How often did your personal doctor listen carefully to you show respect for what you had to say and spend enough time with you
Customer Service bull How often did written materials or the Internet provide the information you needed about how your health plan works bull How often did your health planrsquos customer service give you the information or help you needed bull How often were the forms from your health plan easy to fill out
Claims Processing bull How often did your health plan handle your claims quickly and correctly
Plan Information on Costs bull How often were you able to find out from your health plan how much you would have to pay for a health care service or equipment or for specific prescription drug medicines
APWU Health Plan shyhigh
Blue Cross and Blue Shield Service Benefit Plan shystd
Blue Cross and Blue Shield Service Benefit Plan shybasic
GEHA Benefit Plan shyhigh
GEHA Benefit Plan shystd
MHBP shystd
MHBP shyValue Plan
NALC shyhigh
NALC shyValue Option
SAMBA shyhigh
SAMBA shystd
Plan Name Open to All
FFS National A
Member Survey Results
47 47
10 10
11
31 31
31 31
45 45
41 41
32 32
KM KM
44 44
44 44
Plan Code
verage 805
772
835
757
838
725
84
63
856
897
816
Overall plan satisfaction
927
927
946
896
934
907
938
908
936
947
93
Getting needed care
917
935
917
891
922
895
916
857
922
943
905
Getting care quickly
951
951
955
95
961
949
935
929
959
96
956
How well doctors
communicate
911
89
926
921
912
875
906
866
934
946
911
Customer service
934
921
956
936
929
926
954
887
965
953
946
Claims processing
716
682
703
643
699
688
696
636
771
789
757
Plan Information on Costs
18
FeeshyforshyService Plans ndash Blue Cross and Blue Shield Service Benefit Plan ndash Member Survey Results for Select States
Again this year we are providing more detailed information regarding the quality of services provided by our health plans We are including the results of the Member Satisfaction survey at the state level for eight local Blue Cross Blue Shield (BCBS) Plans
Plan Name Location
Member Survey Results
Plan Code
Overall plan satisfaction
Getting needed care
Getting care quickly
How well doctors
communicate Customer service
Claims processing
Plan Inforshymation on Costs
FFS National Average 805 927 917 951 911 934 716
Blue Cross and Blue Shield Service shy Standard Benefit Plan shy Basic
Arizona 10 11
851 747
905 898
919 884
933 923
938 914
969 928
724 680
Blue Cross and Blue Shield Service shy Standard Benefit Plan shy Basic
California 10 11
809 705
915 873
897 840
954 943
881 910
937 912
677 616
Blue Cross and Blue Shield Service shy Standard Benefit Plan shy Basic
District of Columbia 10 11
768 691
935 893
930 874
951 940
882 881
898 922
657 622
Blue Cross and Blue Shield Service shy Standard Benefit Plan shy Basic
Florida 10 11
864 806
942 916
922 894
952 947
934 916
954 937
733 660
Blue Cross and Blue Shield Service shy Standard Benefit Plan shy Basic
Illinois 10 11
861 796
933 912
934 881
955 950
901 936
972 938
712 653
Blue Cross and Blue Shield Service shy Standard Benefit Plan shy Basic
Maryland 10 11
857 770
931 897
917 898
954 940
897 921
956 967
713 666
Blue Cross and Blue Shield Service shy Standard Benefit Plan shy Basic
Texas 10 11
887 825
934 898
931 883
950 955
936 910
957 967
721 617
Blue Cross and Blue Shield Service shy Standard Benefit Plan shy Basic
Virginia 10 11
871 782
924 901
929 894
966 962
914 917
959 960
708 681
19
The tables on the following pages highlight selected features that may help you narrow your choice of health plans The tables do not show all of your possible outshyofshypocket costs All benefits are subject to the definitions limitations and exclusions set forth in each planrsquos Federal brochure which is the official statement of benefits available under the planrsquos contract with the Office of Personnel Management Always consult plan brochures before making your final decision
20
Appendix E FEHB Plan Comparison Charts
Health Maintenance Organization Plans and Plans Offering a PointshyofshyService Product
(Pages 22 through 59)
Health Maintenance Organization (HMO) ndash A Health Maintenance Organization provides care through a network of physicians and hospitals in particular geographic or service areas HMOs coordinate the health care service you receive and free you from completing paperwork or being billed for covered services Your eligibility to enroll in an HMO is determined by where you live or for some plans where you work bull The HMO provides a comprehensive set of services ndash as long as you use the doctors and hospitals affiliated with the HMO
HMOs charge a copayment for primary physician and specialist visits and sometimes a copayment for inshyhospital care bull Most HMOs ask you to choose a doctor or medical group as your primary care physician (PCP) Your PCP provides your
general medical care In many HMOs you must get authorization or a ldquoreferralrdquo from your PCP to see other providers The referral is a recommendation by your physician for you to be evaluated andor treated by a different physician or medical professional The referral ensures that you see the right provider for the care appropriate to your condition
bull Medical care from a provider not in the planrsquos network is not covered unless itrsquos emergency care or your plan has an arrangement with another plan
Plans Offering a PointshyofshyService (POS) Product ndash A PointshyofshyService plan is like having two plans in one ndash an HMO and an FFS plan A POS allows you and your family members to choose between using (1) a network of providers in a designated service area (like an HMO) or (2) OutshyofshyNetwork providers (like an FFS plan) When you use the POS network of providers you usually pay a copayment for services and do not have to file claims or other paperwork If you use nonshyHMO or nonshyPOS providers you pay a deductible coinsurance or the balance of the billed charge In any case your outshyofshypocket costs are higher and you file your own claims for reimbursement
The tables on the following pages highlight what you are expected to pay for selected features under each plan Always consult plan brochures before making your final decision
Primary careSpecialist office visit copay ndash Shows what you pay for each office visit to your primary care doctor and specialist Contact your plan to find out what providers it considers specialists
Hospital per stay deductible ndash Shows the amount you pay when you are admitted into a hospital
Prescription drugs ndash Prescription Drug Payment Levels shy Plans use terms such as Level (L I L II) or Tier (T1 T2) to show what you pay for generic or brand name prescription drugs The payment levels that plans use follow L I or Tier 1 includes generic drugs but may include some preferred brands L II or Tier 2 includes preferred brands and may include some generics L III or Tier 3 includes nonshypreferred brands other covered drugs and with some exceptions specialty drugs L IV or Tier 4 includes mostly preferred specialty drugs L V or Tier 5 generally includes nonshypreferred specialty drugs
Mail Order Discounts ndash If your plan has a Mail Order program (typically for maintenance drugs) and its response is ldquoYesrdquo in general its Mail Order program is superior to its retail pharmacy benefit (eg you obtain a greater quantity for less cost than retail pharmacy purchases) If your plan does not have a Mail Order program or it does not offer a superior benefit to retail pharmacy purchases the response will be ldquoNordquo
Member Survey Results ndash See Appendix D for a description
Temporary Continuation of Coverage (TCC) ndash Allows former tribal employees and formerly eligible family members to continue their FEHB coverage for a limited period Under TCC you pay the total monthly premium (enrolleersquos share plus the tribal employerrsquos share) plus a 2 administrative charge which equals 102 of Your Total Monthly Premium
Your maximum monthly premium is the maximum amount you will be expected to pay for your premium Your tribal employer may choose to pay a higher portion of your premium Please check with your tribal employer for exact rates
21
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Alabama
Aetna Value Planshy Most of Alabama 877shy459shy6604
Alaska
Aetna Value Planshy Most of Alaska 877shy459shy6604
Arizona
Aetna Value Planshy All of Arizona 877shy459shy6604
Aetna Open Access shyHighshy Phoenix and Tucson Areas 877shy459shy6604
Health Net of Arizona Inc shyHighshy MaricopaPimaOther AZ counties 800shy289shy2818
Health Net of Arizona Inc shyStdshy MaricopaPimaOther AZ counties 800shy289shy2818
Humana Health Plan Inc shyHighshy Phoenix 888shy393shy6765
Humana Health Plan Inc shyStdshy Phoenix 888shy393shy6765
Humana Health Plan Inc shyHighshy Tucson 888shy393shy6765
Humana Health Plan Inc shyStdshy Tucson 888shy393shy6765
Arkansas
Aetna Value Planshy Most of Arkansas 877shy459shy6604
QualChoice shyHighshy All of Arkansas 800shy235shy7017
QualChoice shyStdshy All of Arkansas 800shy235shy7017
F54 F55
JS4 JS5
G54 G55
WQ1 WQ2
A71 A72
A74 A75
BF1 BF2
BF4 BF5
C71 C72
C74 C75
F54 F55
DH1 DH2
DH4 DH5
13058 29656
17258 41140
12822 29119
33482 89188
26548 80303
19509 62476
13880 30882
12491 27794
15825 35210
13149 29256
13058 29656
30353 76056
14296 38452
53279 120995
61069 138677
52315 118808
77618 187686
70545 178623
63365 160440
56629 125999
50965 113400
59608 132629
53648 119367
53279 120995
74426 174291
58048 135935
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
22
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay
deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How
well
doctors
communicate
Customer
service
Claims
processing
Plan
Information
on
Costs
Alabama
Aetna Value Plan InshyNetwork $25$40 20 $10
HMOPOS Nationa
30to$60050 to$1200 Yes
l Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Alaska
Aetna Value Plan InshyNetwork
4040
$25$40
40
20
50+
$10
50+50+
30to$60050 to$1200
No
Yes Aetna Value Plan OutshyNetwork
Arizona
Aetna Value Plan InshyNetwork
4040
$25$40
40
20
50+
$10
50+50+
30to$60050 to$1200
No
Yes Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Health Net of Arizona IncshyHigh
Health Net of Arizona IncshyStandard
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
Arkansas
Aetna Value Plan InshyNetwork
4040
$20$35
$20$40
$25$50
$20$35
$25$40
$20$35
$25$40
$25$40
40
$250day x 4
$250dayx5
25
$250day x 3
$500day x 3
$250day x 3
$500day x 3
20
50+
$10
$10
$10
$10
$10
$10
$10
$10
50+50+
$35$100
$3050
$4050
$40$60
$40$60
$40$60
$40$60
30to$60050 to$1200
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
602
676
676
838
888
888
861
843
843
923
939
939
849
884
884
918
921
921
636
686
686
Aetna Value Plan OutshyNetwork
QualChoice InshyNetwork
QualChoice OutshyNetwork
QualChoice InshyNetwork
4040
$20$30
4040
$20$40
40
$100max$500
40
$200max$1000
50+
$0
NA
$5
50+50+
$40$60
NA
$40$60
No
Yes
NA
Yes
23
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
California
Aetna Value Planshy Most of California 877shy459shy6604
Aetna HMO shy Los Angeles and San Diego Areas 877shy459shy6604
Anthem Blue Cross Select HMO shyHighshy Southern California 800shy235shy8631
Blue Shield of CA Access+HMO shyHighshy Southern Region 800shy880shy8086
Health Net of California shyHighshy Northern Region 800shy522shy0088
Health Net of California shyStdshy Northern Region 800shy522shy0088
Health Net of California shyHighshy Southern Region 800shy522shy0088
Health Net of California shyStdshy Southern Region 800shy522shy0088
Kaiser Foundation Health Plan shy Basic Option shy Northern California 800shy464shy4000
Kaiser Foundation Health Plan of California shyHighshy Northern California 800shy464shy4000
Kaiser Foundation Health Plan of California shyStdshy Northern California 800shy464shy4000
Kaiser Foundation Health Plan of California shyHighshy Southern California 800shy464shy4000
Kaiser Foundation Health Plan of California shyStdshy Southern California 800shy464shy4000
UnitedHealthcare of California shyHighshy Central and Southern California 866shy546shy0510
UnitedHealthcare of California shyStdshy Central and Southern California 866shy546shy0510
Colorado
Aetna Value Planshy All of Colorado 877shy459shy6604
Kaiser Foundation Health Plan of Colorado shyHighshy DenverBoulderSouthern Colorado areas 800shy632shy9700
Kaiser Foundation Health Plan of Colorado shyStdshy DenverBoulderSouthern Colorado areas 800shy632shy9700
Connecticut
Aetna Value Planshy All of Connecticut 877shy459shy6604
Delaware
Aetna Value Planshy All of Delaware 877shy459shy6604
Aetna Open Access shyHighshy KentNew CastleSussex areas 877shy459shy6604
Aetna Open Access shyBasicshy KentNew CastleSussex areas 877shy459shy6604
JS4 JS5
2X1 2X2
B31 B32
SI1 SI2
LB1 LB2
LB4 LB5
LP1 LP2
LP4 LP5
KC1 KC2
591 592
594 595
621 622
624 625
CY1 CY2
CY4 CY5
G54 G55
651 652
654 655
EP4 EP5
EP4 EP5
P31 P32
P34 P35
17258 41140
15940 41769
18194 43825
18445 42566
77474 182834
71405 168807
30687 74663
27027 66198
18293 47705
35345 91275
22772 58183
14073 35293
9019 20845
22819 54699
13109 30036
12822 29119
23933 55581
9887 22345
12694 28827
12694 28827
64801 164359
49560 118027
61069 138677
59725 139319
62024 141416
62280 140132
122490 283205
116299 268898
74767 172871
71034 164236
62125 145373
79518 189815
66694 156061
57420 132713
36797 85048
66742 152507
53485 122549
52315 118808
67878 153407
40339 91170
51792 117616
51792 117616
109563 264361
94017 217102
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
24
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay
deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How
well
doctors
communicate
Customer
service
Claims
processing
Plan
Information
on
Costs
California
Aetna Value Plan InshyNetwork $25$40 20 $10
HMO
30to$60050 to$1200
POS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Anthem Blue Cross Select HMOshyHigh
Blue Shield of CA Access+HMOshyHigh
Health Net of CaliforniashyHigh
Health Net of CaliforniashyStandard
Health Net of CaliforniashyHigh
Health Net of CaliforniashyStandard
Kaiser Foundation HP shy Basic Option
Kaiser Foundation HP of CaliforniashyHigh
Kaiser Foundation HP of CaliforniashyStandard
Kaiser Foundation HP of CaliforniashyHigh
Kaiser Foundation HP of CaliforniashyStandard
UnitedHealthcare of CaliforniashyHigh
UnitedHealthcare of CaliforniashyStandard
Colorado
Aetna Value Plan InshyNetwork
4040
$20$35
$25$35
$20$30
$20$30
$30$50
$20$30
$30$50
$25$35
$15$25
$30$40
$15$25
$30$40
$20$35
$25$40
$25$40
40
$250day x 4
$250max4days
$200 x 3 days
$150dayx5
$750
$150dayx5
$750
20
$250
$500
$250
$500
$150day x 4
30
20
50+
$10
$5$40$60
$10
$10
$15
$10
$15
$15
$10
$15
$10
$15
$10
$10
$10
50+50+
$35$100
$5$40$70$60
$3550
$35$60
$35$65
$35$60
$35$65
$35$35
$30$30
$35$35
$30$30
$35$35
$35$60
$25$50
30to$60050 to$1200
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
579
726
67
67
67
67
798
798
833
833
701
701
766
844
816
816
816
816
884
884
828
828
80
80
781
802
81
81
81
81
848
848
807
807
804
804
896
937
93
93
93
93
925
925
932
932
923
923
769
90
831
831
831
831
872
872
878
878
825
825
849
855
841
841
841
841
793
793
771
771
889
889
648
646
638
638
638
638
63
63
687
687
57
57
Aetna Value Plan OutshyNetwork
Kaiser Foundation HP of ColoradoshyHigh
Kaiser Foundation HP of ColoradoshyStandard
Connecticut
Aetna Value Plan InshyNetwork
4040
$20$40
$20$40
$25$40
40
$250x3
10
20
50+
$10
$15
$10
50+50+
$35$60
$40$80
30to$60050 to$1200
No
Yes
Yes
Yes
722
722
884
884
873
873
936
936
876
876
879
879
622
622
Aetna Value Plan OutshyNetwork
Delaware
Aetna Value Plan InshyNetwork
4040
$25$40
40
20
50+
$10
50+50+
30to$60050 to$1200
No
Yes Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Aetna Open AccessshyBasic
4040
$20$35
$15$35
40
$250day x 4
20 Plan Allow
50+
$10
$5
50+50+
$35$100
$35$100
No
Yes
Yes
602
602
862
862
855
855
972
972
865
865
872
872
618
618
25
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
District of Columbia
Aetna Value Plan shy All of Washington DC
Aetna Open Access shyHighshy Washington DC Area
Aetna Open Access shyBasicshy Washington DC Area
CareFirst BlueChoice shyHighshy Washington DC Metro Area
CareFirst BlueChoice shyStdshy Washington DC Metro Area
Kaiser Foundation Health Plan MidshyAtlantic States shyHighshy Washington DC area
Kaiser Foundation Health Plan MidshyAtlantic States shyStdshy Washington DC area
MD IPA shyHighshy Washington DC area
Florida
Aetna Value Plan shy Most of Florida
AvMed Health Plans shyHighshy Broward Dade and Palm Beach
AvMed Health Plans shyStdshy Broward Dade and Palm Beach
Capital Health Plan shyHighshy Tallahassee area
Coventry Health Plan of Florida shyHighshy Southern Florida
Coventry Health Plan of Florida shyStdshy Southern Florida
Humana Value Plan shy Tampa Area
Humana Value Plan shy South Florida Area
Humana Medical Plan Inc shyHighshy Orlando
Humana Medical Plan Inc shyStdshy Orlando
Humana Medical Plan Inc shyHighshy South Florida
Humana Medical Plan Inc shyStdshy South Florida
Humana Medical Plan Inc shyHighshy Daytona
Humana Medical Plan Inc shyStdshy Daytona
Humana Medical Plan Inc shyHighshy Tampa
Humana Medical Plan Inc shyStdshy Tampa
877shy459shy6604
877shy459shy6604
877shy459shy6604
888shy789shy9065
888shy789shy9065
877shy574shy3337
877shy574shy3337
877shy835shy9861
877shy459shy6604
800shy882shy8633
800shy882shy8633
850shy383shy3311
800shy441shy5501
800shy441shy5501
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
F54 F55
JN1 JN2
JN4 JN5
2G1 2G2
2G4 2G5
E31 E32
E34 E35
JP1 JP2
F54 F55
ML1 ML2
ML4 ML5
EA1 EA2
5E1 5E2
5E4 5E5
MJ4 MJ5
QP4 QP5
E21 E22
E24 E25
EE1 EE2
EE4 EE5
EX1 EX2
EX4 EX5
LL1 LL2
LL4 LL5
13058 29656
46867 105610
14021 31351
21177 48693
15284 35429
16926 42124
9646 22186
20245 50123
13058 29656
20336 56279
12604 30253
11679 30949
16664 47450
12501 30003
10247 22697
10247 22697
13149 29256
11834 26331
23153 51514
15825 35210
13880 30882
12491 27794
48720 108398
15825 35208
53279 120995
91271 204437
57208 127913
65067 146381
59056 132852
60731 139681
39358 90520
64116 147840
53279 120995
64209 154119
51424 123431
47650 126273
60464 145113
51005 122414
41809 92606
41809 92606
53648 119367
48282 107430
67082 149259
59608 132629
56629 125999
50965 113400
93161 207280
59608 132627
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
26
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay
deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How
well
doctors
communicate
Customer
service
Claims
processing
Plan
Information
on
Costs
District of Columbia
Aetna Value Plan InshyNetwork $25$40 20 $10
HMOPOS Nationa
30to$60050 to$1200 Yes
l Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Aetna Open AccessshyBasic
CareFirst BlueChoiceshyHigh
CareFirst BlueChoice InshyNetwork
4040
$15$30
$20$35
$25$35
Nothing$35
40
$150day x3
10 Plan Allow
$200
$200
50+
$5
$10
Nothing
Nothing
50+50+
$35$100
$35$100
$35$65
$35$65
No
Yes
Yes
Yes
Yes
69
69
648
648
844
844
86
86
872
872
833
833
942
942
925
925
865
865
846
846
914
914
902
902
567
567
54
54 CareFirst BlueChoice OutshyNetwork
Kaiser Foundation HP MidshyAtlantic StatesshyHigh
Kaiser Foundation HP MidshyAtlantic StatesshyStandard
MD IPAshyHigh
Florida
Aetna Value Plan InshyNetwork
$70$70
$10$20
$20$30
$25$40
$25$40
$500
$100
$250dayx3
$150day x 3
20
Nothing
$7$17 Net
$12$22Net
$7
$10
$35$65
$30$50$45$65
$35$55$50$70
$30$60
30to$60050 to$1200
Yes
Yes
Yes
Yes
Yes
83
83
583
867
867
846
831
831
876
927
927
937
813
813
867
836
836
841
702
702
677
Aetna Value Plan OutshyNetwork
AvMed Health PlansshyHigh
AvMed Health PlansshyStandard
Capital Health PlanshyHigh
Coventry Health Plan of FloridashyHigh
Coventry Health Plan of FloridashyStandard
Humana Value Plan InshyNetwork
4040
$15$40
$25$45
Nothing$15
$15$30
$20$50
$35$55
40
$250dayx3
$300dayx3
$250
Ded + $150x3
Ded + $150x5
20
50+
$5
$10
$15 Tier 1
$3$20
$3$10
$10
50+50+
$30$5030
$40$6030
$40$6020
$50$7020
$40$60
$30 Tier 2 $50 Tier 3
No
No
No
No
No
No
Yes
746
746
855
514
514
877
877
905
808
808
847
847
905
764
764
957
957
953
921
921
919
919
938
827
827
87
87
946
783
783
68
68
755
535
535
Humana Value Plan OutshyNetwork
Humana Value Plan InshyNetwork
5050
$35$55
50
20
$10+
$10
$40+$60+
$40$60
No
Yes Humana Value Plan OutshyNetwork
Humana Medical Plan IncshyHigh
Humana Medical Plan IncshyStandard
Humana Medical Plan IncshyHigh
Humana Medical Plan IncshyStandard
Humana Medical Plan IncshyHigh
Humana Medical Plan IncshyStandard
Humana Medical Plan IncshyHigh
Humana Medical Plan IncshyStandard
5050
$20$35
$25$40
$20$35
$25$40
$20$35
$25$40
$20$35
$25$40
50
$250day x 3
$500day x 3
$250day x 3
$500day x 3
$250day x 3
$500day x 3
$250day x 3
$500day x 3
$10+
$10
$10
$10
$10
$10
$10
$10
$10
$40+$60+
$40$60
$40$60
$40$60
$40$60
$40$60
$40$60
$40$60
$40$60
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
529
529
86
86
824
824
937
937
846
846
843
843
687
687
27
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Georgia
Aetna Value Planshy All of Georgia
Aetna Open Access shyHighshy Atlanta and Athens Areas
Humana Value Plan shy Atlanta Area
Humana Value Plan shy Macon Area
Humana Employers Health of Georgia Inc shyHighshy Columbus
Humana Employers Health of Georgia Inc shyStdshy Columbus
Humana Employers Health of Georgia Inc shyHighshy Atlanta
Humana Employers Health of Georgia Inc shyStdshy Atlanta
Humana Employers Health of Georgia Inc shyHighshy Macon
Humana Employers Health of Georgia Inc shyStdshy Macon
Kaiser Foundation Health Plan of Georgia shyHighshy Atlanta AthensColumbusMaconSavannah
Kaiser Foundation Health Plan of Georgia shyStdshy Atlanta AthensColumbusMaconSavannah
Guam
Calvos Selectcare shyHighshy Guam Northern Mariana Islands Palau
TakeCare shyHighshy GuamNMarianaIslandsBelau(Palau)
TakeCare shyStdshy GuamNMarianaIslandsBelau(Palau)
Hawaii Aetna Value Planshy All of Hawaii
HMSA shyHighshy All of Hawaii
Kaiser Foundation Health Plan of Hawaii shyHighshy HawaiiKauaiLanaiMauiMolokaiOahu
Kaiser Foundation Health Plan of Hawaii shyStdshy HawaiiKauaiLanaiMauiMolokaiOahu
877shy459shy6604
877shy459shy6604
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy865shy5813
888shy865shy5813
671 479shy7982
671shy647shy3526
671shy647shy3526
877shy459shy6604
800shy776shy4672
808shy432shy5955
808shy432shy5955
F54 F55
2U1 2U2
AD4 AD5
LM4 LM5
CB1 CB2
CB4 CB5
DG1 DG2
DG4 DG5
DN1 DN2
DN4 DN5
F81 F82
F84 F85
B41 B42
JK1 JK2
JK4 JK5
JS4 JS5
871 872
631 632
634 635
13058 29656
44133 104232
10247 22697
10247 22697
15825 35210
13880 30882
15825 35210
13149 29256
15825 35210
13880 30882
15015 36863
10047 22957
11949 31399
12447 36018
10209 26960
17258 41140
11377 25325
14515 32578
7553 16846
53279 120995
88482 203031
41809 92606
41809 92606
59608 132629
56629 125999
59608 132629
53648 119367
59608 132629
56629 125999
58782 134315
40991 93667
48751 128109
50786 133453
41654 109996
61069 138677
46419 103326
58272 129944
30818 68731
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
28
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay
deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How
well
doctors
communicate
Customer
service
Claims
processing
Plan
Information
on
Costs
Georgia
Aetna Value Plan InshyNetwork $25$40 20 $10
HMOP
30to$60050 to$1200
OS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Humana CoverageFirst InshyNetwork
4040
$20$35
$35$55
40
$250day x 4
20
50+
$10
$10
50+50+
$35$100
$40$60
No
Yes
Yes
59 90 878 941 86 857 62
Humana CoverageFirst OutshyNetwork
Humana CoverageFirst InshyNetwork
5050
$35$55
50
20
$10+
$10
$40+$60+
$40$60
No
Yes Humana CoverageFirst OutshyNetwork
Humana Employers Health of Georgia shyHigh
Humana Employers Health of Georgia shyStandard
Humana Employers Health of Georgia shyHigh
Humana Employers Health of Georgia shyStandard
Humana Employers Health of Georgia shyHigh
Humana Employers Health of Georgia shyStandard
Kaiser Foundation HP of GeorgiashyHigh
Kaiser Foundation HP of GeorgiashyStandard
Guam
Calvos Selectcare InshyNetwork
5050
$20$35
$25$40
$20$35
$25$40
$20$35
$25$40
$15$30
$20$35
$15$40
50
$250day x 3
$500day x 3
$250day x 3
$500day x 3
$250day x 3
$500day x 3
$250dayx3
$250dayx3
$200
$10+
$10
$10
$10
$10
$10
$10
$10$20 Comm
$15$25 Comm
$10
$40+$60+
$40$60
$40$60
$40$60
$40$60
$40$60
$40$60
$2550 of AWP
$40$50 Comm $40$50 Comm
$40$50 Comm $40$50 Comm
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
514
794
794
883
845
845
837
85
85
941
935
935
859
884
884
849
839
839
556
625
625
Calvos Selectcare OutshyNetwork
TakeCareshyHigh
TakeCareshyStandard
Hawaii Aetna Value Plan InshyNetwork
3030
$5 at FHP$40
$5 at FHP$40
$25$40
30
$100day for 5
$150day for 5
20
NA
$10
$15
$10
NA
$25$50
$40$80
30to$60050 to$1200
NA
Yes
Yes
Yes
687
687
669
669
686
686
904
904
792
792
786
786
571
571
Aetna Value Plan OutshyNetwork
HMSA InshyNetwork
4040
$15$15
40
$100
50+
$7
50+50+
$30$65
No
Yes 842 914 884 955 878 931 628 HMSA OutshyNetwork
Kaiser Foundation HP of HawaiishyHigh
Kaiser Foundation HP of HawaiishyStandard
3030
$20$20
$30$30
30
$100
10
$7 + 20
$10
$15
$45$45
$50$50
$30 + 20 $65 + 20 No
Yes
Yes
754
754
826
826
815
815
94
94
875
875
811
811
613
613
29
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Idaho
Aetna Value Planshy Most of Idaho 877shy459shy6604
Altius Health Plans shyHighshy Southern Region 800shy377shy4161
Altius Health Plans shyStdshy Southern Region 800shy377shy4161
Group Health Cooperative shyHighshy most of Washington StateampNorthern Idaho 888shy901shy4636
Group Health Cooperative shyStdshy most of Washington StateampNorthern Idaho 888shy901shy4636
SelectHealth shyHighshy Utah Idaho 801shy442shy7497
SelectHealth shyStdshy Utah Idaho 801shy442shy7497
Illinois
Aetna Value Planshy Most of Illinois 877shy459shy6604
Blue Cross and Blue Shield of Illinois shyHighshy Illinois 855shy676shy4482
Blue Preferred Plus POS shyHighshy Madison and St Clair counties 888shy811shy2092
Health Alliance HMO shyHighshy CentralECentralNCentSouthWest Ill 800shy851shy3379
Health Alliance HMO shyStdshy CentralECentralNCentSouthWest Ill 800shy851shy3379
Humana Benefit Plan of Illinois Inc shyHighshy Central and Northwestern Illinois 888shy393shy6765
Humana Benefit Plan of Illinois Inc shyStdshy Central and Northwestern Illinois 888shy393shy6765
Humana Value Plan shy Central Illinois 888shy393shy6765
Humana Value Plan shy Chicago Area 888shy393shy6765
Humana Health Plan Inc shyHighshy Chicago 888shy393shy6765
Humana Health Plan Inc shyStdshy Chicago 888shy393shy6765
Union Health Service shyHighshy Chicago area 312shy423shy4200
United Healthcare of the Midwest Inc shyHighshy Southwest Illinois 877shy835shy9861
UnitedHealthcare Plan of the River Valley Inc shyHighshy West Central Illinois 800shy747shy1446
H44 H45
9K1 9K2
DK4 DK5
541 542
544 545
SF1 SF2
SF4 SF5
H44 H45
A21 A22
9G1 9G2
FX1 FX2
K84 K85
9F1 9F2
AB4 AB5
GB4 GB5
MW4 MW5
751 752
754 755
761 762
B91 B92
YH1 YH2
13093 29732
19819 42542
11798 25954
27070 55009
11742 26509
19210 43095
12435 27741
13093 29732
30483 71121
32158 67069
26932 67294
20323 51891
51805 115264
15825 35210
10247 22697
10247 22697
40638 90413
15825 35210
14109 33787
33072 74273
14091 38330
53418 121307
63682 140107
48136 105894
71078 152824
47908 108156
63060 140671
50737 113183
53418 121307
74559 169258
76267 165125
70937 165354
64196 149643
96307 214284
59608 132629
41809 92606
41809 92606
84917 188936
59608 132629
57566 131177
77200 172473
57491 135811
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
30
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay
deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
6
Getting needed
care
Getting care
quickly
How
well
doctors
communicate
Customer
service
Claims
processing
Plan
Information
on
Costs
Idaho
Aetna Value Plan InshyNetwork $25$40 20 $10
HMO
30to$60050 to$1200
POS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Altius Health PlansshyHigh
Altius Health PlansshyStandard
Group Health CooperativeshyHigh
Group Health CooperativeshyStandard
SelectHealthshyHigh
SelectHealthshyStandard
Illinois
Aetna Value Plan InshyNetwork
4040
$20$30
$20$40
$25$25
$25$35
$15$25
$20$30
$25$40
40
$200
None
$350
$500
$100
$100 after
20
50+
$7
$7
$20
$20
$5 $25$50
$5
$10
50+50+
$25$50
$35$60
$40$60
$40$60
$25$50$50
$25$50
30to$60050 to$1200
No
No
None
Yes
Yes
Yes
Yes
Yes
552
552
659
659
629
629
852
852
86
86
876
876
813
813
869
869
851
851
948
948
941
941
958
958
883
883
912
912
912
912
895
895
881
881
903
903
588
588
692
692
64
64
Aetna Value Plan OutshyNetwork
Blue Cross and Blue Shield of IllinoisshyHigh
Blue Preferred Plus POS InshyNetwork
4040
$20$35
$25$35
40
$200day x 5
$500
50+
$10 copay
$5
50+50+
$40$60
$40$6025 $6025
No
Yes
Yes 647 891 861 961 84 864 685 Blue Preferred Plus POS OutshyNetwork
Health Alliance HMOshyHigh
Health Alliance HMOshyStandard
Humana Benefit Plan of Illinois IncshyHigh
Humana Benefit Plan of Illinois IncshyStandard
Humana Value Plan InshyNetwork
30 after ded
$25$50
$25$50
$20$35
$25$40
$35$55
30 after ded
$200day x 5
20
$250day x 3
$500day x 3
20
NA
$7
$7
$10
$10
$10
NA
$35$70
$35$70
$40$60
$40$60
$40$60
NA
Yes
Yes
Yes
Yes
Yes
745 915 88 962 878 868 67
Humana Value Plan OutshyNetwork
Humana CoverageFirst InshyNetwork
5050
$35$55
50
20
$10+
$10
$40+$60+
$40$60
No
Yes Humana CoverageFirst OutshyNetwork
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
Union Health ServiceshyHigh
United Healthcare of the Midwest IncshyHigh
UnitedHealthcare Plan of the River Valley shyHigh
5050
$20$35
$25$40
$15$15
$25$40
$25$50
50
$250day x 3
$500day x 3
None
$450
20
$10+
$10
$10
$10
$7
$10
$40+$60+
$40$60
$40$60
$35$60
$30$60
$35$50
No
Yes
Yes
Yes
Yes
Yes
647
647
665
577
822
822
919
896
788
788
902
86
943
943
957
956
859
859
892
914
834
834
898
918
66
66
732
623
31
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Indiana
Aetna Value Planshy All of Indiana 877shy459shy6604
Health Alliance HMO shyHighshy Western Indiana 800shy851shy3379
Health Alliance HMO shyStdshy Western Indiana 800shy851shy3379
Humana Value Plan shy LakePorterLaPorte Counties 888shy393shy6765
Humana Health Plan of Ohio shyHighshy Portions of Indiana 888shy393shy6765
Humana Health Plan of Ohio shyStdshy Portions of Indiana 888shy393shy6765
Humana Health Plan Inc shyHighshy LakePorterLaPorte Counties 888shy393shy6765
Humana Health Plan Inc shyStdshy LakePorterLaPorte Counties 888shy393shy6765
Humana Health Plan Inc shyHighshy Southern Indiana 888shy393shy6765
Humana Health Plan Inc shyStdshy Southern Indiana 888shy393shy6765
Physicians Health Plan of Northern Indiana shyHighshy Northeast Indiana 260shy432shy6690
Iowa
Aetna Value Planshy All of Iowa 877shy459shy6604
Coventry Health Care of Iowa shyHighshy CentralEasternWestern Iowa 800shy257shy4692
Coventry Health Care of Iowa shyStdshy CentralEasternWestern Iowa 800shy257shy4692
Health Alliance HMO shyHighshy Central and Eastern Iowa 800shy851shy3379
Health Alliance HMO shyStdshy Central and Eastern Iowa 800shy851shy3379
HealthPartners High Option shyNorthern Iowa 800shy883shy2177
HealthPartners Standard Option shyNorthern Iowa 800shy883shy2177
Sanford Health Plan shyHighshy Northwestern Iowa 800shy752shy5863
Sanford Health Plan shyStdshy Northwestern Iowa 800shy752shy5863
UnitedHealthcare Plan of the River Valley Inc shyHighshy Eastern and Central Iowa 800shy747shy1446
JS4 JS5
FX1 FX2
K84 K85
MW4 MW5
A61 A62
A64 A65
751 752
754 755
MH1 MH2
MH4 MH5
DQ1 DQ2
H44 H45
SV1 SV2
SY4 SY5
FX1 FX2
K84 K85
V31 V32
V34 V35
AU1 AU2
AU4 AU5
YH1 YH2
17258 41140
26932 67294
20323 51891
10247 22697
13880 30882
12491 27794
40638 90413
15825 35210
15825 35210
13880 30882
30786 68557
13093 29732
13351 31376
9799 23027
26932 67294
20323 51891
26865 64982
8897 20464
26173 63455
23647 57594
14091 38330
61069 138677
70937 165354
64196 149643
41809 92606
56629 125999
50965 113400
84917 188936
59608 132629
59608 132629
56629 125999
74868 166643
53418 121307
54474 128016
39979 93951
70937 165354
64196 149643
70869 162996
36302 83494
70163 161438
67586 155460
57491 135811
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
32
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay
deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How
well
doctors
communicate
Customer
service
Claims
processing
Plan
Information
on
Costs
Indiana
Aetna Value Plan InshyNetwork $25$40 20 $10
HMO
30to$60050 to$1200
POS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Health Alliance HMOshyHigh
Health Alliance HMOshyStandard
Humana Value Plan InshyNetwork
4040
$25$50
$25$50
$35$55
40
$200day x 5
20
20
50+
$7
$7
$10
50+50+
$35$70
$35$70
$40$60
No
Yes
Yes
Yes
745 915 88 962 878 868 67
Humana Value Plan OutshyNetwork
Humana Health Plan of OhioshyHigh
Humana Health Plan of OhioshyStandard
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
Physicians Health Plan of Northern IndianashyHigh
Iowa
Aetna Value Plan InshyNetwork
5050
$20$35
$25$40
$20$35
$25$40
$20$35
$25$40
$15$15
$25$40
50
$250day x 3
$500day x 3
$250day x 3
$500day x 3
$250day x 3
$500day x 3
20
20
$10+
$10
$10
$10
$10
$10
$10
$10
$10
$40+$60+
$40$60
$40$60
$40$60
$40$60
$40$60
$40$60
$25$50
30to$60050 to$1200
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
647
647
562
822
822
878
788
788
815
943
943
934
859
859
868
834
834
893
66
66
593
Aetna Value Plan OutshyNetwork
Coventry Health Care of IowashyHigh
Coventry Health Care of IowashyStandard
Health Alliance HMOshyHigh
Health Alliance HMOshyStandard
HealthPartners High Option
HealthPartners Standard Option
Sanford Health Plan InshyNetwork
4040
$25$50
$25$50
$25$50
$25$50
$25$45
$0 for 3 then 20
$20$30
40
20
20
$200day x 5
20
Nothing
20 in40 out
$100day x 5
50+
$3 $10
$3 $10
$7
$7
$12
$9
$15
50+50+
$45$70$100
30$5000 Max
$35$70
$35$70
$45$90
$40$70
$30$50
No
Yes
No
Yes
Yes
Yes
Yes
NA
562
562
745
647
647
535
905
905
915
893
893
903
888
888
88
875
875
89
964
964
962
951
951
977
837
837
878
92
92
902
903
903
868
911
911
912
652
652
67
725
725
558 Sanford Health Plan OutshyNetwork
Sanford Health Plan InshyNetwork
4040
$25$25
40
$100day x 5
40+
$15
40+40+
$30$50
NA
NA 535 903 89 977 902 912 558 Sanford Health Plan OutshyNetwork
UnitedHealthcare Plan of the River Valley shyHigh
40+40+
$25$50
40+
20
40+
$10
40+40+
$35$50
NA
Yes 577 896 86 956 914 918 623
33
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Kansas
Aetna Value Planshy Most of Kansas
Aetna Open Access shyHighshy Kansas City area
Coventry Health Care of Kansas shyHighshy Kansas City Metro Area (KS and MO)
Coventry Health Care of Kansas shyStdshy Kansas City Metro Area (KS and MO)
Humana Value Plan shy Kansas City Area
Humana Health Plan Inc shyHighshy Kansas City
Humana Health Plan Inc shyStdshy Kansas City
Kentucky
Aetna Value Planshy Most of Kentucky
Humana Health Plan of Ohio shyHighshy Portions of Kentucky
Humana Health Plan of Ohio shyStdshy Portions of Kentucky
Humana Health Plan Inc shyHighshy Louisville
Humana Health Plan Inc shyStdshy Louisville
Humana Health Plan Inc shyHighshy Lexington
Humana Health Plan Inc shyStdshy Lexington
Louisiana
Aetna Value Planshy Most of Louisiana
Coventry Health Care of Louisiana shyHighshy New Orleans Area
Coventry Health Care of Louisiana shyStdshy New Orleans Area
Humana Health Benefit Plan of Louisiana Inc shyHighshy Baton Rouge
Humana Health Benefit Plan of Louisiana Inc shyStdshy Baton Rouge
Humana Health Benefit Plan of Louisiana Inc shyHighshy New Orleans
Humana Health Benefit Plan of Louisiana Inc shyStdshy New Orleans
877shy459shy6604
877shy459shy6604
800shy969shy3343
800shy969shy3343
888shy393shy6765
888shy393shy6765
888shy393shy6765
877shy459shy6604
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
877shy459shy6604
800shy341shy6613
800shy341shy6613
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
G54 G55
HY1 HY2
HA1 HA2
HA4 HA5
PH4 PH5
MS1 MS2
MS4 MS5
H44 H45
A61 A62
A64 A65
MH1 MH2
MH4 MH5
MI1 MI2
MI4 MI5
F54 F55
BJ1 BJ2
BJ4 BJ5
AE1 AE2
AE4 AE5
BC1 BC2
BC4 BC5
12822 29119
13777 50039
13519 32270
12568 29535
10247 22697
62521 139111
15825 35210
13093 29732
13880 30882
12491 27794
15825 35210
13880 30882
19459 43292
13880 30882
13058 29656
19208 48754
13035 30271
15825 35210
13149 29256
13880 30882
12491 27794
52315 118808
55396 147754
55160 129630
51276 120503
41809 92606
107238 238608
59608 132629
53418 121307
56629 125999
50965 113400
59608 132629
56629 125999
63314 140872
56629 125999
53279 120995
63058 146443
53182 123506
59608 132629
53648 119367
56629 125999
50965 113400
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
34
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay
deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How
well
doctors
communicate
Customer
service
Claims
processing
Plan
Information
on
Costs
Kansas
Aetna Value Plan InshyNetwork $25$40 20 $10
HMO
30to$60050 to$1200
POS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Coventry Health Care of KansasshyHigh
Coventry Health Care of KansasshyStandard
Humana CoverageFirst InshyNetwork
4040
$20$35
$30$60
$30$60
$35$55
40
$250day x 4
25
30
20
50+
$10
$3 $12
$3 $12
$10
50+50+
$35$100
$50$75
$5020
$40$60
No
Yes
Yes
Yes
Yes
639
602
602
862
906
906
862
88
88
94
96
96
838
894
894
901
884
884
538
663
663
Humana CoverageFirst OutshyNetwork
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
Kentucky
Aetna Value Plan InshyNetwork
5050
$20$35
$25$40
$25$40
50
$250day x 3
$500day x 3
20
$10+
$10
$10
$10
$40+$60+
$40$60
$40$60
30to$60050 to$1200
No
Yes
Yes
Yes
676
676
903
903
901
901
951
951
881
881
918
918
729
729
Aetna Value Plan OutshyNetwork
Humana Health Plan of OhioshyHigh
Humana Health Plan of OhioshyStandard
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
Louisiana
Aetna Value Plan InshyNetwork
4040
$20$35
$25$40
$20$35
$25$40
$20$35
$25$40
$25$40
40
$250day x 3
$500day x 3
$250day x 3
$500day x 3
$250day x 3
$500day x 3
20
50+
$10
$10
$10
$10
$10
$10
$10
50+50+
$40$60
$40$60
$40$60
$40$60
$40$60
$40$60
30to$60050 to$1200
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes Aetna Value Plan OutshyNetwork
Coventry Health Care of LouisianashyHigh
Coventry Health Care of LouisianashyStandard
Humana Health Benefit Plan of LA shyHigh
Humana Health Benefit Plan of LA shyStandard
Humana Health Benefit Plan of LA shyHigh
Humana Health Benefit Plan of LA shyStandard
4040
$25$45
$30$55
$20$35
$35$40
$20$35
$35$40
40
Ded+$100
Ded+30
$250day x 3
$500day x 3
$250day x 3
$500day x 3
50+
$5
$5
$10
$10
$10
$10
50+50+
$40$100
$40$100
$40$60
$40$60
$40$60
$40$60
No
Yes
Yes
Yes
Yes
Yes
Yes
573
573
874
874
823
823
968
968
831
831
827
827
625
625
35
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Maine
Aetna Value Planshy All of Maine 877shy459shy6604
Maryland
Aetna Value Planshy All of Maryland 877shy459shy6604
Aetna Open Access shyHighshy NorthernCentralSouthern Maryland Areas 877shy459shy6604
Aetna Open Access shyBasicshy NorthernCentralSouthern Maryland Areas 877shy459shy6604
CareFirst BlueChoice shyHighshy All of Maryland 888shy789shy9065
CareFirst BlueChoice shyStdshy All of Maryland 888shy789shy9065
Coventry Health Care shyHighshy All of Maryland 800shy833shy7423
Coventry Health Care shyStdshy All of Maryland 800shy833shy7423
Kaiser Foundation Health Plan MidshyAtlantic States shyHighshy BaltimoreWashington DC areas 877shy574shy3337
Kaiser Foundation Health Plan MidshyAtlantic States shyStdshy BaltimoreWashington DC areas 877shy574shy3337
MD IPA shyHighshy All of Maryland 877shy835shy9861
Massachusetts
Aetna Value Planshy Most of Massachusetts 877shy459shy6604
Fallon Community Health Plan shyBasicshy CentralEastern Massachusetts 800shy868shy5200
EP4 EP5
F54 F55
JN1 JN2
JN4 JN5
2G1 2G2
2G4 2G5
IG1 IG2
IG4 IG5
E31 E32
E34 E35
JP1 JP2
EP4 EP5
JG1 JG2
12694 28827
13058 29656
46867 105610
14021 31351
21177 48693
15284 35429
14998 37685
13265 30509
16926 42124
9646 22186
20245 50123
12694 28827
29337 80043
51792 117616
53279 120995
91271 204437
57208 127913
65067 146381
59056 132852
58764 135153
54121 124479
60731 139681
39358 90520
64116 147840
51792 117616
73390 178358
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
36
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay
deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How
well
doctors
communicate
Customer
service
Claims
processing
Plan
Information
on
Costs
Maine
Aetna Value Plan InshyNetwork $25$40 20 $10
HMO
30to$60050 to$1200
POS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Maryland
Aetna Value Plan InshyNetwork
4040
$25$40
40
20
50+
$10
50+50+
30to$60050 to$1200
No
Yes Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Aetna Open AccessshyBasic
CareFirst BlueChoiceshyHigh
CareFirst BlueChoice InshyNetwork
4040
$15$30
$20$35
$25$35
Nothing$35
40
$150day x3
10 Plan Allow
$200
$200
50+
$5
$10
Nothing
Nothing
50+50+
$35$100
$35$100
$35$65
$35$65
No
Yes
Yes
Yes
Yes
69
69
648
648
844
844
86
86
872
872
833
833
942
942
925
925
865
865
846
846
914
914
902
902
567
567
54
54 CareFirst BlueChoice OutshyNetwork
Coventry Health CareshyHigh
Coventry Health CareshyStandard
Kaiser Foundation HP MidshyAtlantic StatesshyHigh
Kaiser Foundation HP MidshyAtlantic StatesshyStandard
MD IPAshyHigh
Massachusetts
Aetna Value Plan InshyNetwork
$70$70
$20$40
$20$40
$10$20
$20$30
$25$40
$25$40
$500
$200day x 3
$200day x 3
$100
$250dayx3
$150day x 3
20
Nothing
$3$15
$3$15
$7$17 Net
$12$22Net
$7
$10
$35$65
$30$60
$30$60
$30$50$45$65
$35$55$50$
$30$60
30to$60050 to$1200
Yes
Yes
Yes
Yes
70 Yes
Yes
Yes
563
563
83
83
583
864
864
867
867
846
864
864
831
831
876
969
969
927
927
937
892
892
813
813
867
871
871
836
836
841
606
606
702
702
677
Aetna Value Plan OutshyNetwork
Fallon Community Health PlanshyBasic
4040
$25$35
40
$150to$750max
50+
$10
50+50+
$30$60
No
Yes 627 851 882 929 883 801 649
37
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Michigan
Aetna Value Planshy All of Michigan 877shy459shy6604
Bluecare Network of MI shyHighshy East Region 800shy662shy6667
Bluecare Network of MI shyHighshy Southeast Region 800shy662shy6667
Grand Valley Health Plan shyHighshy Grand Rapids area 616shy949shy2410
Grand Valley Health Plan shyStdshy Grand Rapids area 616shy949shy2410
Health Alliance Plan shyHighshy Southeastern MichiganFlint Area 800shy556shy9765
Health Alliance Plan shyStdshy Southeastern MichiganFlint Area 800shy556shy9765
HealthPlus of MI shyHighshy East Michigan 800shy332shy9161
Total Health Care USA shyHighshy Michigan 800shy826shy2862
Minnesota
Aetna Value Planshy Most of Minnesota 877shy459shy6604
HealthPartners High Option shy Minnesota 800shy883shy2177
HealthPartners Standard Option shy Minnesota 800shy883shy2177
Mississippi Aetna Value Planshy Most of Mississippi 877shy459shy6604
G54 G55
K51 K52
LX1 LX2
RL1 RL2
RL4 RL5
521 522
GY4 GY5
X51 X52
A51 A52
H44 H45
V31 V32
V34 V35
H44 H45
12822 29119
22055 52593
18055 50747
24184 61492
19656 50897
20111 55722
16974 48191
13915 49809
13670 50117
13093 29732
26865 64982
8897 20464
13093 29732
52315 118808
65962 150359
61882 148476
68134 159436
63515 148629
63980 153551
60780 145869
56775 147520
55776 147834
53418 121307
70869 162996
36302 83494
53418 121307
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
38
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How well
doctors
communicate
Customer
service
Claims
processing
Plan Inform
ation
on Costs
Michigan
Aetna Value Plan InshyNetwork $25$40 20 $10
HMOP
30to$60050 to$1200
OS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Bluecare Network of MIshyHigh
Bluecare Network of MIshyHigh
Grand Valley Health PlanshyHigh
Grand Valley Health PlanshyStandard
Health Alliance PlanshyHigh
Health Alliance PlanshyStandard
HealthPlus of MIshyHigh
Total Health Care USAshyHigh
Minnesota
Aetna Value Plan InshyNetwork
4040
$15$25
$15$25
$10$10
$20$20
$10$20
$15$30
$10$20
$15$15
$25$40
40
Nothing
Nothing
Nothing
$500x3
Nothing
Nothing
None
None
20
50+
$10
$10
$5
$10
$5
$15
$0$8
$10
$10
50+50+
$30$60
$30$60
$15$15
NA$40
$50$50
$50$50
$40$60
$40$40
30to$60050 to$1200
No
Yes
Yes
No
No
Yes
Yes
Yes
Yes
Yes
651
651
742
742
793
793
793
899
899
90
90
888
888
919
875
875
912
912
862
862
92
933
933
952
952
943
943
951
884
884
883
883
899
899
946
937
937
836
836
902
902
919
672
672
795
795
656
656
658
Aetna Value Plan OutshyNetwork
HealthPartners High Option
HealthPartners Standard Option
Mississippi Aetna Value Plan InshyNetwork
4040
$25$45
$0 for 3 then 20
$25$40
40
Nothing
20 in40 out
20
50+
$12
$9
$10
50+50+
$45$90
$40$70
30to$60050 to$1200
No
Yes
Yes
Yes
647
647
893
893
875
875
951
951
92
92
911
911
725
725
Aetna Value Plan OutshyNetwork 4040 40 50+ 50+50+ No
39
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Missouri Aetna Value Planshy Most of Missouri
Aetna Open Access shyHighshy Kansas City area
Blue Preferred Plus POS shyHighshy StLouisCentralSW areas
Coventry Health Care of Kansas shyHighshy Kansas City Metro Area (KS and MO)
Coventry Health Care of Kansas shyStdshy Kansas City Metro Area (KS and MO)
Humana Value Plan shy Kansas City Area
Humana Health Plan Inc shyHighshy Kansas City
Humana Health Plan Inc shyStdshy Kansas City
United Healthcare of the Midwest Inc shyHighshy St Louis Area
Montana
Aetna Value Planshy SouthSoutheastWestern MT Areas
Nebraska
Aetna Value Planshy All of Nebraska
Nevada
Aetna Value Planshy Las Vegas Area
Aetna Open Access shyHighshy Clark County and Las Vegas areas
Health Plan of Nevada shyHighshy Las VegasEsmeralda and Nye counties
New Hampshire
Aetna Value Planshy All of New Hampshire
877shy459shy6604
877shy459shy6604
888shy811shy2092
800shy969shy3343
800shy969shy3343
888shy393shy6765
888shy393shy6765
888shy393shy6765
877shy835shy9861
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy545shy7378
877shy459shy6604
G54 G55
HY1 HY2
9G1 9G2
HA1 HA2
HA4 HA5
PH4 PH5
MS1 MS2
MS4 MS5
B91 B92
H44 H45
H44 H45
G54 G55
HF1 HF2
NM1 NM2
EP4 EP5
12822 29119
13577 50039
32158 67069
13519 32270
12568 29535
10247 22697
62521 139111
15825 35210
33072 74273
13093 29732
13093 29732
12822 29119
11267 36491
9883 23303
12694 28827
52315 118808
55396 147754
76267 165125
55160 129630
51276 120503
41809 92606
107238 238608
59608 132629
77200 172473
53418 121307
53418 121307
52315 118808
45970 133935
40322 95078
51792 117616
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
40
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How well
doctors
communicate
Customer
service
Claims
processing
Plan Inform
ation
on Costs
Missouri Aetna Value Plan InshyNetwork $25$40 20 $10
HMOP
30to$60050 to$1200
OS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
4040
$20$35
40
$250day x 4
50+
$10
50+50+
$35$100 $40$60
No
Yes 639 862 862 94 838 901 538
Blue Preferred Plus POS InshyNetwork $25$35 $500 $5 25$6025 Yes 647 891 861 961 84 864 685 Blue Preferred Plus POS OutshyNetwork Coventry Health Care of KansasshyHigh
Coventry Health Care of KansasshyStandard
Humana Value Plan InshyNetwork
30 after ded $30$60
$30$60
$35$55
30 after ded 25
30
20
NA $3 $12
$3 $12
$10
NA $50$75
$5020
$40$60
NA Yes
Yes
Yes
602
602
906
906
88
88
96
96
894
894
884
884
663
663
Humana Value Plan OutshyNetwork
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
United Healthcare of the Midwest IncshyHigh
Montana
Aetna Value Plan InshyNetwork
5050
$20$35
$25$40
$25$40
$25$40
50
$250day x 3
$500day x 3
$450
20
$10+
$10
$10
$7
$10
$40+$60+
$40$60
$40$60
$30$60
30to$60050 to$1200
No
Yes
Yes
Yes
Yes
676
676
665
903
903
919
901
901
902
951
951
957
881
881
892
918
918
898
729
729
732
Aetna Value Plan OutshyNetwork
Nebraska
Aetna Value Plan InshyNetwork
4040
$25$40
40
20
50+
$10
50+50+
30to$60050 to$1200
No
Yes Aetna Value Plan OutshyNetwork
Nevada
Aetna Value Plan InshyNetwork
4040
$25$40
40
20
50+
$10
50+50+
30to$60050 to$1200
No
Yes Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Health Plan of NevadashyHigh
New Hampshire
Aetna Value Plan InshyNetwork
4040
$20$35
$10$25
$25$40
40
$250day x 4
$300
20
50+
$10
$7
$10
50+50+
$35$100
$35$55$100
30to$60050 to$1200
No
Yes
Yes
Yes
602
516
838
696
861
66
923
892
849
892
918
912
636
529
Aetna Value Plan OutshyNetwork 4040 40 50+ 50+50+ No
41
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
New Jersey
Aetna Value Planshy All of New Jersey 877shy459shy6604
Aetna Open Access shyHighshy Northern New Jersey 877shy459shy6604
Aetna Open Access shyBasicshy Northern New Jersey 877shy459shy6604
Aetna Open Access shyHighshy Southern NJ 877shy459shy6604
Aetna Open Access shyBasicshy Southern NJ 877shy459shy6604
GHI Health Plan shyHighshy Northern New Jersey 212shy501shy4444
GHI Health Plan shyStdshy Northern New Jersey 212shy501shy4444
New Mexico
Aetna Value Planshy AlbuquerqueDona AnaHobbs Area 877shy459shy6604
Lovelace Health Plan shyHighshy All of New Mexico 800shy808shy7363
Presbyterian Health Plan shyHighshy All counties in New Mexico 800shy356shy2219
EP4 EP5
JR1 JR2
JR4 JR5
P31 P32
P34 P35
801 802
804 805
G54 G55
Q11 Q12
P21 P22
12694 28827
52355 123641
34184 82457
64801 164359
49560 118027
32591 93212
14135 33572
12822 29119
13099 30785
23940 56335
51792 117616
96868 222828
78334 180821
109563 264361
94017 217102
76709 191791
57672 130958
52315 118808
53445 125603
67885 154176
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
42
Primary care Hospital
Prescription Drugs
Member Survey Results
Mail lan
eeded
are
ll icate
r ng rmation
Plan Name ndash Location Specialist
office copay per stay
deductible Level I Level II Level III
order discount
Overall p
satisfaction
Getting n
care
Getting c
quickly
How
we
doctors
commun
Custome
service
Claims
processi
Plan
Info
on
Costs
New Jersey
Aetna Value Plan InshyNetwork $25$40 20 $10
HMO
30to$60050 to$1200
POS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Aetna Open AccessshyBasic
Aetna Open AccessshyHigh
Aetna Open AccessshyBasic
GHI Health Plan InshyNetwork
4040
$20$35
$15$35
$20$35
$15$35
$20$20
40
$250day x 4
20 Plan Allow
$250day x 4
20 Plan Allow
$150max$450
50+
$10
$5
$10
$5
$20
50+50+
$35$100
$35$100
$35$100
$35$100
$45$85
No
Yes
Yes
Yes
Yes
Yes
631
631
631
631
663
852
852
852
852
844
837
837
837
837
851
928
928
928
928
936
895
895
895
895
86
809
809
809
809
828
623
623
623
623
642 GHI Health Plan OutshyNetwork
GHI Health PlanshyStandard
New Mexico
Aetna Value Plan InshyNetwork
50 of sch
$30$30
$25$40
+50 of sch
$250day x 3
20
NA
$10
$10
NA
$45$85
30to$60050 to$1200
No
Yes
Yes
663 844 851 936 86 828 642
Aetna Value Plan OutshyNetwork
Lovelace Health PlanshyHigh
Presbyterian Health PlanshyHigh
4040
$25$35
$25$40
40
$250 after ded
$100 x 5 days
50+
$5
$10
50+50+
$35$6050
$40$7550
No
Yes
Yes
651
655
796
824
753
783
918
917
828
848
939
852
656
616
43
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
New York
Aetna Value Planshy Most of New York 877shy459shy6604
Aetna Open Access shyHighshy NYC AreaUpstate NY 877shy459shy6604
Aetna Open Access shyBasicshy NYC AreaUpstate NY 877shy459shy6604
CDPHP Universal Benefits Inc shyHighshy Upstate Hudson Valley Central NY 877shy269shy2134
CDPHP Universal Benefits Inc shyStdshy Upstate Hudson Valley Central NY 877shy269shy2134
GHI HMO Select shyHighshy BrnxBrklynManhatQueenRichmonWestche 877shy244shy4466
GHI HMO Select shyHighshy CapitalHudson Valley Regions 877shy244shy4466
GHI Health Plan shyHighshy All of New York 212shy501shy4444
GHI Health Plan shyStdshy All of New York 212shy501shy4444
HIP Health of Greater New York shyHighshy New York City area including Long Island 800shy447shy8255
HIP Health of Greater New York shyStdshy New York City area including Long Island 800shy447shy8255
Independent Health Association shyHighshy Western New York 800shy501shy3439
Independent Health Association shyStdshy Western New York 800shy501shy3439
MVP Health Care shyHighshy Eastern Region 888shy687shy6277
MVP Health Care shyStdshy Eastern Region 888shy687shy6277
MVP Health Care shyHighshy Western Region 888shy687shy6277
MVP Health Care shyStdshy Western Region 888shy687shy6277
MVP Health Care shyHighshy Central Region 888shy687shy6277
MVP Health Care shyStdshy Central Region 888shy687shy6277
MVP Health Care shyHighshy Northern Region 888shy687shy6277
MVP Health Care shyStdshy Northern Region 888shy687shy6277
MVP Health Care shyHighshy MidshyHudson Region 888shy687shy6277
MVP Health Care shyStdshy MidshyHudson Region 888shy687shy6277
EP4 EP5
JC1 JC2
JC4 JC5
SG1 SG2
SG4 SG5
6V1 6V2
X41 X42
801 802
804 805
511 512
514 515
QA1 QA2
C54 C55
GA1 GA2
GA4 GA5
GV1 GV2
GV4 GV5
M91 M92
M94 M95
MF1 MF2
MF4 MF5
MX1 MX2
MX4 MX5
12694 28827
40198 109033
26007 71920
22952 71235
12294 32053
19548 60991
14167 47634
32591 93212
14135 33572
17000 63158
12206 34562
18597 58201
14454 47853
16586 53386
13377 39674
13042 35704
11193 28006
17110 54877
13779 42651
25417 75411
22349 67734
18731 58664
13657 42345
51792 117616
84468 207928
69993 170073
66877 169374
50161 129408
63405 158925
57800 145301
76709 191791
57672 130958
60806 161136
49800 131968
62435 156079
58209 145524
60384 151168
54580 137182
53210 133132
45669 114266
60918 152689
56220 140218
69392 173634
66262 165803
62572 156552
55723 139906
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
44
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How well
doctors
communicate
Customer
service
Claims
processing
Plan Inform
ation
on Costs
New York
Aetna Value Plan InshyNetwork $25$40 20 $10
HMOP
30to$60050 to$1200
OS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Aetna Open AccessshyBasic
CDPHP Universal Benefits IncshyHigh
CDPHP Universal Benefits IncshyStandard
GHI HMO SelectshyHigh
GHI HMO SelectshyHigh
GHI Health Plan InshyNetwork
4040
$20$35
$15$35
$20$30
$25$40
$25$40
$25$40
$20$20
40
$250day x 4
20 Plan Allow
$100 x 5
$500+10
$500
$500
$150max$450
50+
$10
$5
25
30
$10
$10
$20
50+50+
$35$100
$35$100
2525
3030
$30$50
$30$50
$45$85
No
Yes
Yes
No
No
Yes
Yes
Yes
662
662
729
729
663
848
848
928
928
844
849
849
90
90
851
937
937
949
949
936
888
888
922
922
86
874
874
924
924
828
547
547
70
70
642 GHI Health Plan OutshyNetwork
GHI Health PlanshyStandard
HIP Health of Greater New YorkshyHigh
HIP Health of Greater New YorkshyStandard
Independent Health Assoc InshyNetwork
50 of sch
$30$30
$20$40
$30$50
$25$25
+50 of sch
$250day x 3
None
$1000
$250
NA
$10
$15
$15$100Ded
$10
NA
$45$85
$35$75
$30$75
$35$75 $75$100Ded
No
Yes
Yes
Yes
No
663
729
729
735
844
814
814
933
851
786
786
923
936
888
888
952
86
787
787
92
828
848
848
916
642
60
60
755 Independent Health Assoc OutshyNetwork
Independent Health Association InshyNetwork
2525
$30$50
25
$750
NA
$10
NA
$5050
No
Yes Independent Health Association OutshyNetwork
MVP Health CareshyHigh
MVP Health CareshyStandard
MVP Health CareshyHigh
MVP Health CareshyStandard
MVP Health CareshyHigh
MVP Health CareshyStandard
MVP Health CareshyHigh
MVP Health CareshyStandard
MVP Health CareshyHigh
MVP Health CareshyStandard
3030
$25$25
$30$50
$25$25
$30$50
$25$25
$30$50
$25$25
$30$50
$25$25
$30$50
30
$500
$750
$500
$750
$500
$750
$500
$750
$500
$750
NA
$5
$5
$5
$5
$5
$5
$5
$5
$5
$5
NA
$35$70
$45$90
$35$70
$45$90
$35$70
$45$90
$35$70
$45$90
$35$70
$45$90
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
739
739
739
739
739
739
739
739
739
739
934
934
934
934
934
934
934
934
934
934
89
89
89
89
89
89
89
89
89
89
962
962
962
962
962
962
962
962
962
962
896
896
896
896
896
896
896
896
896
896
92
92
92
92
92
92
92
92
92
92
768
768
768
768
768
768
768
768
768
768
45
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
North Carolina
Aetna Value Planshy All of North Carolina 877shy459shy6604
North Dakota
Aetna Value Planshy Most of North Dakota 877shy459shy6604
HealthPartners High Option shy Eastern North Dakota 800shy883shy2177
HealthPartners Standard Option shyEastern North Dakota 800shy883shy2177
Sanford Heart of America Health Plan shyHighshy Northcentral North Dakota 800shy525shy5661
Sanford Health Plan shyHighshy North Dakota 800shy752shy5863
Sanford Health Plan shyStdshy North Dakota 800shy752shy5863
Ohio
Aetna Value Planshy All of Ohio 877shy459shy6604
AultCare HMO shyHighshy StarkCarrollHolmesTuscarawasWayne Co 330shy363shy6360
Humana Health Plan of Ohio shyHighshy Greater Cincinnati Area 888shy393shy6765
Humana Health Plan of Ohio shyStdshy Greater Cincinnati Area 888shy393shy6765
HealthSpan Integrated CareshyClevelandAkron areas 800shy686shy7100
HealthSpan Integrated CareshyStdshyClevelandAkron areas 800shy686shy7100
The Health Plan of the Upper Ohio Valley shyHighshy Eastern Ohio 800shy624shy6961
Oklahoma
Aetna Value Planshy All of Oklahoma 877shy459shy6604
Globalhealth Inc shyHighshy Oklahoma 877shy280shy5600
F54 F55
H44 H45
V31 V32
V34 V35
RU1 RU2
C91 C92
C94 C95
JS4 JS5
3A1 3A2
A61 A62
A64 A65
641 642
644 645
U41 U42
JS4 JS5
IM1 IM2
13058 29656
13093 29732
26865 64982
8897 20464
13803 47086
20976 51441
14143 45836
17258 41140
14204 44676
13880 30882
12491 27794
28758 69344
13114 30163
26271 60855
17258 41140
11810 28460
53279 120995
53418 121307
70869 162996
36302 83494
56317 144742
64862 149184
57705 143467
61069 138677
57953 142284
56629 125999
50965 113400
72799 167445
53504 123066
70263 158786
61069 138677
48185 116118
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
46
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How well
doctors
communicate
Customer
service
Claims
processing
Plan Inform
ation
on Costs
North Carolina
Aetna Value Plan InshyNetwork $25$40 20 $10
HMOP
30to$60050 to$1200
OS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
North Dakota
Aetna Value Plan InshyNetwork
4040
$25$40
40
20
50+
$10
50+50+
30to$60050 to$1200
No
Yes Aetna Value Plan OutshyNetwork
HealthPartners High Option
HealthPartners Standard Option
Sanford Heart of America Health Plan InshyNetwork
4040
$25$45
$0 for 3 then 20
$15$25
40
Nothing
20 in40 out
None
50+
$12
$9
50$600ded
50+50+
$45$90
$40$70
50$600 ded
No
Yes
Yes
None
647
647
893
893
875
875
951
951
92
92
911
911
725
725
Sanford Heart of America Health Plan OutshyNetwork
Sanford Health Plan InshyNetwork
2020
$20$30
20
$100day x 5
NA
$15
NA
$30$50
NA
NA 535 903 89 977 902 912 558 Sanford Health Plan OutshyNetwork
Sanford Health Plan InshyNetwork
4040
$25$25
40
$100day x 5
40+
$15
40+40+
$30$50
NA
NA 535 903 89 977 902 912 558 Sanford Health Plan OutshyNetwork
Ohio
Aetna Value Plan InshyNetwork
40+40+
$25$40
40+
20
40+
$10
40+40+
30to$60050 to$1200
NA
Yes Aetna Value Plan OutshyNetwork
AultCare HMOshyHigh
Humana Health Plan of OhioshyHigh
Humana Health Plan of OhioshyStandard
HealthSpan Integrated CareshyHigh
HealthSpan Integrated CareshyStandard
The Health Plan of the Upper Ohio ValleyshyHigh
Oklahoma
Aetna Value Plan InshyNetwork
4040
$15$20
$20$35
$25$40
$20$20
$30$40
$10$20
$25$40
40
$150
$250day x 3
$500day x 3
$250
$500
$250
20
50+
$15
$10
$10
$10
$15
$15
$10
50+50+
$30$40$55
$40$60
$40$60
$30$30
$40$40
$30$50
30to$60050 to$1200
No
No
Yes
Yes
Yes
Yes
Yes
Yes
877
788
788
744
922
845
845
909
907
889
889
876
941
922
922
951
944
935
935
929
935
906
906
944
853
708
708
745
Aetna Value Plan OutshyNetwork
Globalhealth IncshyHigh
4040
$15$45
40
$250dymx1000
50+
$4$10
50+50+
$45$70
No
Yes 592 816 839 916 893 872 727
47
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Oregon
Aetna Value Planshy Most of Oregon
Kaiser Foundation Health Plan of Northwest shyHighshy PortlandSalem areas
Kaiser Foundation Health Plan of Northwest shyStdshy PortlandSalem areas
Pennsylvania
Aetna Value Planshy All of Pennsylvania
Aetna Open Access shyHighshy Philadelphia
Aetna Open Access shyBasicshy Philadelphia
Aetna Open Access shyHighshy Pittsburgh and Western PA Areas
Geisinger Health Plan shyStdshy NortheasternCentralSouth Central areas
HealthAmerica Pennsylvania shyHighshy Greater Pittsburgh Area
UPMC Health Plan shyHighshy Western Pennsylvania
UPMC Health Plan shyStdshy Western Pennsylvania
Puerto Rico
Humana Health Plans of Puerto Rico Inc shyHighshy Puerto Rico
TripleshyS Salud Inc shyHighshy All of Puerto Rico
Rhode Island
Aetna Value Planshy All of Rhode Island
South Carolina
Aetna Value Planshy All of South Carolina
877shy459shy6604
800shy813shy2000
800shy813shy2000
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
800shy447shy4000
866shy351shy5946
888shy876shy2756
888shy876shy2756
800shy314shy3121
787shy774shy6060
877shy459shy6604
877shy459shy6604
H44 H45
571 572
574 575
H44 H45
P31 P32
P34 P35
YE1 YE2
GG4 GG5
261 262
8W1 8W2
UW4 UW5
ZJ1 ZJ2
891 892
EP4 EP5
JS4 JS5
13093 29732
22672 52645
13617 31283
13093 29732
64801 164359
49560 118027
19203 59806
16820 41884
17814 47183
22135 54101
13345 30692
8026 18317
8829 19866
12694 28827
17258 41140
53418 121307
66592 150412
55557 127637
53418 121307
109563 264361
94017 217102
63053 157716
60623 139436
61637 144841
66044 151897
54448 125225
32748 74733
36023 81052
51792 117616
61069 138677
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
48
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay
deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How
well
doctors
communicate
Customer
service
Claims
processing
Plan
Information
on
Costs
Oregon
Aetna Value Plan InshyNetwork $25$40 20 $10
HMOP
30to$60050 to$1200
OS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Kaiser Foundation HP of NorthwestshyHigh
Kaiser Foundation HP of NorthwestshyStandard
Pennsylvania
Aetna Value Plan InshyNetwork
4040
$20$30
$30$40
$25$40
40
$200
$500
20
50+
$15
$20
$10
50+50+
$40$60
$40$60
30to$60050 to$1200
No
Yes
Yes
Yes
768
768
844
844
847
847
916
916
927
927
89
89
683
683
Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Aetna Open AccessshyBasic
Aetna Open AccessshyHigh
Geisinger Health PlanshyStandard
HealthAmerica PennsylvaniashyHigh
UPMC Health PlanshyHigh
UPMC Health PlanshyStandard
Puerto Rico
Humana Health Plans of PR InshyNetwork
4040
$20$35
$15$35
$20$35
$20$35
$25$50
10 after Deduct
20 after Deduct
$5$5
40
$250day x 4
20 Plan Allow
$250day x 4
20aftrDeduct
15 after ded
10 after deduct
20after Deduct
None
50+
$10
$5
$10
30 $5$15
$5
$5 after ded
$5 after ded
$250
50+50+
$35$100
$35$100
$35$100
$35$60
$35$75
$35$75$100
$10$15
40 $40$120 50 $85$250
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
579
579
579
668
699
754
754
806
861
861
861
868
873
908
908
803
835
835
835
85
885
899
899
82
935
935
935
938
957
97
97
938
887
887
887
906
86
913
913
887
899
899
899
902
921
904
904
70
631
631
631
677
671
678
678
541 Humana Health Plans of PR OutshyNetwork $10$10 $50 NA NA
Greater of $15 or Yes
TripleshyS Salud Inc InshyNetwork TripleshyS Salud Inc OutshyNetwork
Rhode Island
Aetna Value Plan InshyNetwork
$750$10
$25$40
$750 amp 10 +$10 amp 10 +
None 10 +
20
$5 or $12 NA
$10
NA
2025 up to$100$175max
30to$60050 to$1200
Yes No
Yes
691 874 844 963 872 75 586
Aetna Value Plan OutshyNetwork
South Carolina
Aetna Value Plan InshyNetwork
4040
$25$40
40
20
50+
$10
50+50+
30to$60050 to$1200
No
Yes Aetna Value Plan OutshyNetwork 4040 40 50+ 50+50+ No
49
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of Your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
South Dakota
Aetna Value Planshy Rapid CitySioux Falls Area 877shy459shy6604
HealthPartners High Option shy Eastern South Dakota 800shy883shy2177
HealthPartners Standard Option shyEastern South Dakota 800shy883shy2177
Sanford Health Plan shyHighshy EasternCentralRapid City Areas 800shy752shy5863
Sanford Health Plan shyStdshy EasternCentralRapid City Areas 800shy752shy5863
Tennessee
Aetna Value Planshy Most of Tennessee 877shy459shy6604
Aetna Open Access shyHighshy Memphis Area 877shy459shy6604
Humana Health Plan Inc shyHighshy Knoxville 888shy393shy6765
Humana Health Plan Inc shyStdshy Knoxville 888shy393shy6765
G54 G55
V31 V32
V34 V35
AU1 AU2
AU4 AU5
F54 F55
UB1 UB2
GJ1 GJ2
GJ4 GJ5
12822 29119
26865 64982
8897 20464
26173 63455
23647 57594
13058 29656
24581 76516
15825 35210
12491 27794
52315 118808
70869 162996
36302 83494
70163 161438
67586 155460
53279 120995
68539 174761
59608 132629
50965 113400
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
50
Primary
Prescription Drugs
Member Survey Results
ded ation
care Hospital Mail
plan
Getting nee
care
How well
teica
r ng rm
Plan Name ndash Location Specialist office copay
per stay deductible Level I
Level II Level III
order discount
Overall
satisfaction
care
Getting
quickly
doctors
commun
Custome
service
Claims
processi
Plan Info
on Costs
South Dakota
Aetna Value Plan InshyNetwork $25$40 20 $10
HMOP
30to$60050 to$1200
OS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
HealthPartners High Option
HealthPartners Standard Option
Sanford Health Plan InshyNetwork
4040
$25$45
$0 for 3 then 20
$20$30
40
Nothing
20 in40 out
$100day x 5
50+
$12
$9
$15
50+50+
$45$90
$40$70
$30$50
No
Yes
Yes
NA
647
647
535
893
893
903
875
875
89
951
951
977
92
92
902
911
911
912
725
725
558 Sanford Health Plan OutshyNetwork
Sanford Health Plan InshyNetwork
4040
$25$25
40
$100day x 5
40+
$15
40+40+
$30$50
NA
NA
535
535 903 89 977 902 912 558 Sanford Health Plan OutshyNetwork
Tennessee
Aetna Value Plan InshyNetwork
40+40+
$25$40
40+
20
40+
$10
40+40+
30to$60050 to$1200
NA
Yes Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
4040
$20$35
$20$35
$25$40
40
$250day x 4
$250day x 3
$500day x 3
50+
$10
$10
$10
50+50+
$35$100
$40$60
$40$60
No
Yes
Yes
Yes
66 875 868 959 889 914 69
51
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Texas
Aetna Value Planshy All of Texas 877shy459shy6604
Aetna Whole Health shyBasicshy Houston Area 877shy459shy6604
Firstcare shyHighshy Waco area 800shy884shy4901
Firstcare shyHighshy West Texas 800shy884shy4901
Firstcare shyHighshy TaylorCallahanEastland 800shy884shy4901
Firstcare shyHighshy Lubbock area 800shy884shy4901
Firstcare shyHighshy BryanCollege Station Area 800shy884shy4901
Humana Value Plan shy Corpus Christi Area 888shy393shy6765
Humana Value Plan shy San Antonio Area 888shy393shy6765
Humana Value Plan shy Austin Area 888shy393shy6765
Humana Health Plan of Texas shyHighshy Houston 888shy393shy6765
Humana Health Plan of Texas shyStdshy Houston 888shy393shy6765
Humana Health Plan of Texas shyHighshy Corpus Christi 888shy393shy6765
Humana Health Plan of Texas shyStdshy Corpus Christi 888shy393shy6765
Humana Health Plan of Texas shyHighshy San Antonio 888shy393shy6765
Humana Health Plan of Texas shyStdshy San Antonio 888shy393shy6765
Humana Health Plan of Texas shyHighshy Austin 888shy393shy6765
Humana Health Plan of Texas shyStdshy Austin 888shy393shy6765
Scott amp White Health Plan shyStdshy Central TX amp Some SE and SW Counties 800shy321shy7947
UnitedHealthcare Benefits of Texas Inc shyHighshy San Antonio 866shy546shy0510
JS4 JS5
ES1 ES2
B71 B72
CK1 CK2
CN1 CN2
CZ1 CZ2
ET1 ET2
TP4 TP5
TU4 TU5
TV4 TV5
EW1 EW2
EW4 EW5
UC1 UC2
UC4 UC5
UR1 UR2
UR4 UR5
UU1 UU2
UU4 UU5
A84 A85
GF1 GF2
17258 41140
12817 40332
11057 37880
10809 34896
13391 65886
13031 61566
12638 56836
10247 22697
10247 22697
10247 22697
13880 30882
12491 27794
17899 39821
13880 30882
55020 122416
13880 30882
26524 59015
15825 35210
14907 37260
32515 78160
61069 138677
52295 137853
45113 135352
44103 132308
54635 163918
53169 159512
51562 154687
41809 92606
41809 92606
41809 92606
56629 125999
50965 113400
61723 137332
56629 126001
99587 221579
56629 126001
70521 156910
59608 132629
58671 134720
76632 176438
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
52
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How well
doctors
communicate
Customer
service
Claims
processing
Plan Inform
ation
on Costs
Texas
Aetna Value Plan InshyNetwork $25$40 20 $10
HMO
30to$60050 to$1200
POS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Aetna Whole Health InshyNetwork
4040
$5$25$35
40
15
50+
$5
50+50+
$35$60
No
Yes Aetna Whole Health OutshyNetwork
FirstcareshyHigh
FirstcareshyHigh
FirstcareshyHigh
FirstcareshyHigh
FirstcareshyHigh
Humana Value Plan InshyNetwork
4040
$30$55
$30$55
$30$55
$30$55
$30$55
$35$55
40
$250day x 5
$250day x 5
$250day x 5
$250day x 5
$250day x 5
20
40
$10
$10
$10
$10
$10
$10
4040
$35$70
$35$70
$35$70
$35$70
$35$70
$40$60
No
Yes
Yes
Yes
Yes
Yes
Yes Humana Value Plan OutshyNetwork
Humana Value Plan InshyNetwork
5050
$35$55
50
20
$10+
$10
$40+$60+
$40$60
No
Yes Humana Value Plan OutshyNetwork
Humana Value Plan InshyNetwork
5050
$35$55
50
20
$10+
$10
$40+$60+
$40$60
No
Yes Humana Value Plan OutshyNetwork
Humana Health Plan of TexasshyHigh
Humana Health Plan of TexasshyStandard
Humana Health Plan of TexasshyHigh
Humana Health Plan of TexasshyStandard
Humana Health Plan of TexasshyHigh
Humana Health Plan of TexasshyStandard
Humana Health Plan of TexasshyHigh
Humana Health Plan of TexasshyStandard
Scott amp White Health PlanshyStandard
UnitedHealthcare Benefits of Texas IncshyHigh
5050
$20$35
$25$40
$20$35
$25$40
$20$35
$25$40
$20$35
$25$40
$20$45
$20$40
50
$250day x 3
$500day x 3
$250day x 3
$500day x 3
$250day x 3
$500day x 3
$250day x 3
$500day x 3
10
$250day x 5
$10+
$10
$10
$10
$10
$10
$10
$10
$10
$5
$10
$40+$60+
$40$60
$40$60
$40$60
$40$60
$40$60
$40$60
$40$60
$40$60
$45$100
$35$60
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
63
63
702
835
835
862
764
764
863
931
931
937
864
864
875
856
856
87
673
673
569
53
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Utah
Aetna Value Planshy Most of Utah 877shy459shy6604
Altius Health Plans shyHighshy Wasatch Front 800shy377shy4161
Altius Health Plans shyStdshy Wasatch Front 800shy377shy4161
SelectHealth shyHighshy Urban and Suburban Utah 800shy538shy5038
SelectHealth shyStdshy Urban and Suburban Utah 800shy538shy5038
Vermont Aetna Value Planshy All of Vermont 877shy459shy6604
Virgin Islands
TripleshyS Salud Inc shyHighshy US Virgin Islands 800shy981shy3241
G54 G55
9K1 9K2
DK4 DK5
SF1 SF2
SF4 SF5
EP4 EP5
851 852
12822 29119
19819 42542
11798 25954
19210 43095
12435 27741
12694 28827
10305 23402
52315 118808
63682 140107
48136 105894
63060 140671
50737 113183
51792 117616
42043 95481
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
54
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How well
doctors
communicate
Customer
service
Claims
processing
Plan Inform
ation
on Costs
Utah
Aetna Value Plan InshyNetwork $25$40 20 $10
HMO
30to$60050 to$1200
POS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Altius Health PlansshyHigh
Altius Health PlansshyStandard
SelectHealthshyHigh
SelectHealthshyStandard
Vermont Aetna Value Plan InshyNetwork
4040
$20$30
$20$40
$15$25
$20$30
$25$40
40
$200
None
$100
$100 after
20
50+
$7
$7
$5$25$50
$5$25$50
$10
50+50+
$25$50
$35$60
$25$50$50
$25 $50$50
30to$60050 to$1200
No
No
None
Yes
Yes
Yes
552
552
629
629
852
852
876
876
813
813
851
851
948
948
958
958
883
883
912
912
895
895
903
903
588
588
64
64
Aetna Value Plan OutshyNetwork
Virgin Islands
4040 40 50+ 50+50+ No
Greater of $15 or TripleshyS Salud Inc InshyNetwork TripleshyS Salud Inc OutshyNetwork
$750$10 $750 amp 10 +$10 amp 10 +
None 10 +
$5 or $12 NA NA
2025 up to$100$175max
Yes No
691 874 844 963 872 75 586
55
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Virginia
Aetna Value Planshy Most of Virginia 877shy459shy6604
Aetna Open Access shyHighshy NorthernCentralRichmond Virginia Areas 877shy459shy6604
Aetna Open Access shyBasicshy NorthernCentralRichmond Virginia Areas 877shy459shy6604
Aetna Whole Health shyBasicshy Roanoke VA area 877shy459shy6604
Aetna Whole Health shyBasicshy Newport News VA area 877shy459shy6604
CareFirst BlueChoice shyHighshy Northern Virginia 888shy789shy9065
CareFirst BlueChoice shyStdshy Northern Virginia 888shy789shy9065
HealthKeepers Inc shyHighshy Virginia 855shy580shy1200
Kaiser Foundation Health Plan MidshyAtlantic States shyHighshy Northern VirginiaFredericksburg area 877shy574shy3337
Kaiser Foundation Health Plan MidshyAtlantic States shyStdshy Northern VirginiaFredericksburg area 877shy574shy3337
MD IPA shyHighshy Northern Viginia 877shy835shy9861
Optima Health Plan shyHighshy Hampton Roads and Richmond areas 800shy206shy1060
Optima Health Plan shyStdshy Hampton Roads and Richmond areas 800shy206shy1060
Piedmont Community Healthcare shyHighshy Lynchburg area 888shy674shy3368
Washington
Aetna Value Planshy Most of Washington 877shy459shy6604
Aetna Open Access shyHighshy Seattle and Spokane areas 877shy459shy6604
Group Health Cooperative shyHighshy Western WACentral WASpokanePullman 888shy901shy4636
Group Health Cooperative shyStdshy Western WACentral WASpokanePullman 888shy901shy4636
KPS Health Plans shyStdshy All of Washington 800shy552shy7114
KPS Health Plans shyHighshy All of Washington 800shy552shy7114
Kaiser Foundation Health Plan of Northwest shyHighshy VancouverLongview 800shy813shy2000
Kaiser Foundation Health Plan of Northwest shyStdshy VancouverLongview 800shy813shy2000
F54 F55
JN1 JN2
JN4 JN5
D91 D92
J91 J92
2G1 2G2
2G4 2G5
A91 A92
E31 E32
E34 E35
JP1 JP2
9R1 9R2
9R4 9R5
2C1 2C2
G54 G55
C31 C32
541 542
544 545
L11 L12
VT1 VT2
571 572
574 575
13058 29656
46867 105610
14021 31351
12138 40332
11280 29365
21177 48693
15284 35429
20427 47008
16926 42124
9646 22186
20245 50123
26858 69565
11269 26665
12235 28017
12822 29119
14933 62274
27070 55009
11742 26509
12426 26823
31651 67459
22672 52645
13617 31283
53279 120995
91271 204437
57208 127913
49524 137853
46023 119808
65067 146381
59056 132852
64302 144663
60731 139681
39358 90520
64116 147840
70861 167671
45977 108794
49920 114308
52315 118808
58698 160234
71078 152824
47908 108156
50700 109437
75750 165523
66592 150412
55557 127637
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
56
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How well
doctors
communicate
Customer
service
Claims
processing
Plan Inform
ation
on Costs
Virginia
Aetna Value Plan InshyNetwork Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Aetna Open AccessshyBasic
Aetna Whole Health InshyNetwork Aetna Whole Health OutshyNetwork
Aetna Whole Health InshyNetwork Aetna Whole Health OutshyNetwork
CareFirst BlueChoiceshyHigh
CareFirst BlueChoice InshyNetwork
$25$40 4040
$15$30
$20$35
$25$35 4040
$5$25$35 4040
$25$35
Nothing$35
20 40
$150day x3
10 Plan Allow
15 40
15 40
$200
$200
$10 50+
$5
$10
$5 40
$5 40
Nothing
Nothing
HMO
50+50+
$35$100
$35$100
$35$60 4040
$35$60 4040
$35$65
$35$65
30to$60050 to$1200
POS National
Yes No
Yes
Yes
Yes No
Yes No
Yes
Yes
Average
69
69
648
648
679
844
844
86
86
864
872
872
833
833
849
942
942
925
925
942
865
865
846
846
877
914
914
902
902
875
567
567
54
54
649
CareFirst BlueChoice OutshyNetwork
HealthKeepers IncshyHigh
Kaiser Foundation HP MidshyAtlantic StatesshyHigh
Kaiser Foundation HP MidshyAtlantic StatesshyStandard
MD IPAshyHigh
Optima Health PlanshyHigh
Optima Health PlanshyStandard
Piedmont Community HealthcareshyHigh
Washington
Aetna Value Plan InshyNetwork Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Group Health CooperativeshyHigh
Group Health CooperativeshyStandard
KPS Health Plans InshyNetwork KPS Health Plans OutshyNetwork
KPS Health Plans InshyNetwork KPS Health Plans OutshyNetwork
Kaiser Foundation HP of NorthwestshyHigh
Kaiser Foundation HP of NorthwestshyStandard
$70$70
$10$20
$20$30
$25$40
$25$30
$35$35
$25$40 4040
$20$35
$25$25
$25$35
$154 or 2020
$30$30 $30+40+diff
$20$30
$30$40
$0$3530NonshyNetwork
$20$0childlt22$30
$154+40+diff 40+diff
$500
$200 x3 days
$100
$250dayx3
$150day x 3
$150max$750
$20020
20
20 40
$250day x 4
$350
$500
Nothing Nothing
None None
$200
$500
Nothing
$0
$7$17 Net
$12$22Net
$7
$10
$10
$15
$10 50+
$10
$20
$20
$10 Not Covered
$5 Not Covered
$15
$20
$35$65
$30$50$50
$30$50$45$65
$35$55$50$70
$30$60
$40$55
50+50+
$35$100
$40$60
$40$60
Not Covered
NA
$40$60
$40$60
$353050up to $3000
$355050 up to $3000
$35$50 30day$100 90day
$25$50 30day$100 90day
30to$60050 to$1200
Yes
Yes
Yes
Yes
Yes
Yes
No
No
Yes No
Yes
Yes
Yes
Yes No
Yes No
Yes
Yes
83
83
583
692
692
659
659
798
798
768
768
867
867
846
864
864
86
86
94
94
844
844
833
831
831
876
886
886
869
869
928
928
847
847
927
927
937
969
969
941
941
957
957
916
916
813
813
867
87
87
912
912
931
931
927
927
836
836
841
916
916
881
881
897
897
89
89
702
702
677
674
674
692
692
65
65
683
683
57
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
West Virginia
Aetna Value Planshy Most of West Virginia 877shy459shy6604
The Health Plan of the Upper Ohio Valley shyHighshy NorthernCentral West Virginia 800shy624shy6961
Wisconsin
Aetna Value Planshy All of Wisconsin 877shy459shy6604
Aetna Whole Health shyBasicshy Milwaukee WI Area 877shy459shy6604
Dean Health Plan shyHighshy South Central Wisconsin 800shy279shy1301
Group Health Cooperative shyHighshy South Central Wisconsin 800shy605shy4327
HealthPartners High Option shy Western Wisconsin 800shy883shy2177
HealthPartners Standard Option shy Western Wisconsin 800shy883shy2177
MercyCare HMO shyHighshy South Central Wisconsin 800shy895shy2421
Physicians Plus shyHighshy All of WI 800shy545shy5015
Wyoming
Aetna Value Plan shyBasicshy All of Wyoming 877shy459shy6604
Altius Health Plans shyHighshy Uinta County 800shy377shy4161
Altius Health Plans shyStdshy Uinta County 800shy377shy4161
F54 F55
U41 U42
JS4 JS5
F71 F72
WD1 WD2
WJ1 WJ2
V31 V32
V34 V35
EY1 EY2
LW1 LW2
H44 H45
9K1 9K2
DK4 DK5
13058 29656
26271 60855
17258 41140
10600 29208
24382 72670
15910 51534
26865 64982
8897 20464
14597 48275
16556 55954
13093 29732
19819 42542
11798 25954
53279 120995
70263 158786
61069 138677
43250 119170
68336 170838
59694 149279
70869 162996
36302 83494
58355 145955
60353 153787
53418 121307
63682 140107
48136 105894
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
58
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Claims
processing
Getting needed
care
Getting care
quickly
How well
doctors
communicate
Customer
service
Plan Inform
ation
on Costs
West Virginia
Aetna Value Plan InshyNetwork Aetna Value Plan OutshyNetwork
The Health Plan of the Upper Ohio ValleyshyHigh
Wisconsin
Aetna Value Plan InshyNetwork Aetna Value Plan OutshyNetwork
Aetna Whole Health InshyNetwork Aetna Whole Health OutshyNetwork
Dean Health PlanshyHigh
Group Health CooperativeshyHigh
HealthPartners High Option
HealthPartners Standard Option
MercyCare HMOshyHigh
Physicians PlusshyHigh
Wyoming
Aetna Value Plan InshyNetwork Aetna Value Plan OutshyNetwork
Altius Health PlansshyHigh
Altius Health PlansshyStandard
$25$40 4040
$10$20
$25$40 4040
$25$35 4040
$25$25
$10$10
$25$45
$0 for 3 then 20
$10$10
$10$10
$25$40 4040
$20$30
$20$40
20 40
$250
20 40
15 40
None
None
Nothing
20 in40 out
Nothing
Nothing
20 40
$200
None
$10 Yes 50+ 50+50+ No
$15 $30$50 Yes
$10 Yes 50+ 50+50+ No
$5 $35$60 Yes 40 4040 No
$10 Yes
$5 $20$20 Yes
$12 $45$90 Yes
$9 $40$70 Yes
$10 $20$50 Yes
$10 3050 No
$10 Yes 50+ 50+50+ No
$7 $25$50 No
$7 $35$60 None
HMOPOS National Average
30$75max 50 wmin$50
30to$60050 to$1200
30to$60050 to$1200
30to$60050 to$1200
744
682
785
647
647
784
601
552
552
679
909 876 951 929 944
909 90 97 834 879
834 834 953 929 932
893 875 951 92 911
893 875 951 92 911
888 854 938 888 87
857 822 96 863 866
852 813 948 883 895
852 813 948 883 895
864 849 942 877 875
745
588
718
725
725
684
686
588
588
649
59
Appendix E FEHB Plan Comparison Charts
High Deductible and ConsumershyDriven Health Plans With a Health Savings Account or Health Reimbursement Arrangement
(Pages 64 through 83)
A High Deductible Health Plan (HDHP) provides comprehensive coverage for highshycost medical events and a taxshyadvantaged way to help you build savings for future medical expenses The HDHP gives you greater flexibility and discretion over how you use your health care benefits
When you enroll your health plan establishes for you either a Health Savings Account (HSA) or a Health Reimbursement Arrangement (HRA) The plan automatically deposits the monthly ldquopremium pass throughrdquo into your HSA The plan credits an amount into the HRA (This is the ldquoPremium Contribution to HSAHRArdquo column in the following charts)
Preventive care is covered in full As you receive other nonshypreventive medical care you must meet the plan deductible before the health plan pays benefits You can choose to pay your deductible with funds from your HSA or you can choose instead to pay for your deductible outshyofshypocket allowing your savings to continue to grow
The HDHP features higher annual deductibles (a minimum of $1250 for Self Only and $2500 for Self and Family coverage) and annual outshyofshypocket limits (not to exceed $6350 for Self Only and $12700 for Self and Family coverage) than other insurance plans Depending on the HDHP you choose you may have the choice of using InshyNetwork and OutshyofshyNetwork providers There may be higher deductibles and outshyofshypocket limits when you use OutshyofshyNetwork providers Using InshyNetwork providers will save you money
Health Savings Account (HSA)
A Health Savings Account allows individuals to pay for current health expenses and save for future qualified medical expenses on a preshytax basis Funds deposited into an HSA are not taxed the balance in the HSA grows tax free and that amount is available on a tax free basis to pay medical costs You are eligible for an HSA if you are enrolled in an HDHP not covered by any other health plan that is not an HDHP (including a spousersquos health plan but does not include specific injury insurance and accident disability dental care vision care or longshyterm coverage) not enrolled in Medicare not received VA benefits or IHS benefits within the last three months not covered by your own or your spousersquos flexible spending account (FSA) and are not claimed as a dependent on someone elsersquos tax return If you are enrolled in a High Deductible Health Plan with an HSA you may not participate in a Health Care Flexible Spending Account (HCFSA) but you are permitted to participate in a Limited Expense (LEX) HCFSA HSAs are subject to a number of rules and limitations established by the Department of the Treasury
Visit wwwtreasurygovresourceshycenterfaqstaxespageshealthshysavingsshyaccountsaspx for more information The 2014 maximum contribution limits are $3300 for Self Only coverage and $6550 for Self and Family coverage If you are over 55 you can make an additional ldquocatch uprdquo contribution You can use funds in your account to help pay your health plan deductible
60
Appendix E FEHB Plan Comparison Charts
High Deductible and ConsumershyDriven Health Plans With a Health Savings Account or Health Reimbursement Arrangement
Features of an HSA include
bull Taxshydeductible deposits you make to the HSA Your own HSA contributions are either taxshydeductible or preshytax (if made by payroll deduction) See IRS Publication 969
bull Taxshydeferred interest earned on the account
bull Taxshyfree withdrawals for qualified medical expenses
bull Carryover of unused funds and interest from year to year
bull Portability the account is owned by you and is yours to keep ndash even when you retire leave government service or change plans
Health Reimbursement Arrangement (HRA)
Health Reimbursement Arrangements are a common feature of ConsumershyDriven Health Plans They may be referred to by the health plan under a different name such as personal care account They are also available to enrollees in High Deductible Health Plans who are not eligible for an HSA HRAs are similar to HSAs except
bull An enrollee cannot make deposits into an HRA
bull A health plan may impose a ceiling on the value of an HRA
bull Interest is not earned on an HRA and
bull The amount in an HRA is not transferable if the enrollee leaves the health plan
If you are enrolled in a High Deductible Health Plan with an HRA you may participate in a Health Care Flexible Spending Account (HCFSA)
The plan will credit the HRA different amounts depending on whether you have a Self Only or a Self and Family enrollment You can use funds in your account to help pay your health plan deductible
Features of an HRA include
bull Taxshyfree withdrawals for qualified medical expenses bull Carryover of unused credits from year to year bull Credits in an HRA do not earn interest bull Credits in the HRA are forfeited if you leave federal employment or switch health insurance plans
Please note that the premium rates provided are the maximum amount you are expected to pay for your premium Your tribal employer may choose to pay a higher portion of your premium Please check with your tribal employer for exact rates
61
Appendix E FEHB Plan Comparison Charts
High Deductible and ConsumershyDriven Health Plans With a Health Savings Account or Health Reimbursement Arrangement
ELIGIBILITY
FUNDING
Health Savings Account (HSA)
You must enroll in a High Deductible Health Plan (HDHP) No other general medical insurance coverage is permitted You cannot be enrolled in Medicare Part A or Part B You cannot be claimed as a dependent on someone elsersquos tax returns
The plan deposits a monthly ldquopremium pass throughrdquo into your account
Health Reimbursement Arrangement (HRA)
You must enroll in a High Deductible Health Plan (HDHP)
The plan deposits the credit amount directly into your account
CONTRIBUTIONS
DISTRIBUTIONS
The maximum allowed is a combination of the health plan ldquopremium pass throughrdquo and the member contribution up to the maximum contribution amount set by the IRS each year
May be used to pay the outshyofshypocket medical expenses for yourself your spouse or your dependents (even if they are not covered by the HDHP) or to pay the planrsquos deductible
See IRS Publication 502 for a complete list of eligible expenses
Only that portion of the premium specified by the health plan will be contributed You cannot add your own money to an HRA
May be used to pay the outshyofshypocket expenses for qualified medical expenses for individuals covered under the HDHP or to pay the planrsquos deductible
See IRS Publication 502 for a complete list of eligible expenses
ANNUAL ROLLOVER
PORTABLE Yes you can take this account with you when you change plans separate from service or retire
Yes funds accumulate without a maximum cap
If you retire and remain in your HDHP you may continue to use and accumulate credits in your HRA
If you terminate employment or change health plans only eligible expenses incurred while covered under that HDHP will be eligible for reimbursement subject to timely filing requirements Unused credits are forfeited
Yes credits accumulate without a maximum cap
IMPORTANT REMINDER This is only a summary of the features of the HDHPHSA or HRA Refer to the specific Plan brochure for the complete details covering Plan design operation and administration as each Plan will have differences
62
Appendix E FEHB Plan Comparison Charts
High Deductible and ConsumershyDriven Health Plans With a Health Savings Account or Health Reimbursement Arrangement
The tables on the following pages highlight selected features that may help you narrow your choice of health plans The tables do not show all of your possible outshyofshypocket costs All benefits are subject to the definitions limitations and exclusions set forth in each planrsquos Federal brochure which is the official statement of benefits available under the planrsquos contract with the Office of Personnel Management Always consult plan brochures before making your final decision
A ConsumershyDriven plan provides you with freedom in spending health care dollars the way you want The typical plan has features such as member responsibility for certain upshyfront medical costs an employershyfunded account that you may use to pay these upshyfront costs and catastrophic coverage with a high deductible You and your family receive full coverage for InshyNetwork preventive care
63
Appendix E FEHB Plan Comparison Charts
High Deductible and ConsumershyDriven Health Plans With a Health Savings Account or Health Reimbursement Arrangement
The tables on the following pages highlight what you are expected to pay for selected features under each plan The charts are not a complete statement of your outshyofshypocket obligations in every individual circumstance Unlike many regular medical plans the covered outshyofshypocket expenses under a High Deductible Health Plan including office visit copayments and prescription drug copayments count toward the calendar year deductible and the catastrophic limit You must read the planrsquos brochure for details
Premium Contribution (pass through) to HSAHRA (or personal care account) shows the amount your health plan automatically deposits or credits into your account on a monthly basis for Self OnlySelf and Family enrollments (ConsumershyDriven Health Plans credit accounts annually) The amount credited under ldquoPremium Contributionrdquo is shown as a monthly amount for comparison purposes only
Calendar Year (CY) Deductible SelfFamily is the maximum amount of covered expenses an individual or family must pay outshyofshypocket including deductibles coinsurance and copayments before the plan pays catastrophic benefits
Catastrophic (Cat) Limit SelfFamily is the maximum amount of covered expenses an individual or family must pay outshyofshypocket including deductibles and coinsurance and copays before the Plan pays catastrophic benefits
Office Visit shows what you pay for a visit to a primary care physician after the deductible is met for other than preventive care
Inpatient Hospital shows what you pay after the deductible is met for hospital services when an inpatient The amount could be a daily copayment up to a specified amount (eg $50 a day up to three days) a coinsurance amount such as 20 or a flat deductible amount (eg $200 per admission) This amount does not include charges from physicians or for services that may not be charged by the hospital such as laboratory or radiology
Your Maximum Monthly Premium is the maximum amount you will pay for your premium Your tribal employer may choose to pay a higher portion of your premium Check with your tribal employer for exact rates
Temporary Continuation of Coverage (TCC) allows former tribal employees and formerly eligible family members to continue their FEHB coverage for a limited period Under TCC you pay the total monthly premium (enrolleersquos share plus the tribal employerrsquos share) plus a 2 administrative charge which equals 102 of Your Total Monthly Premium
Plan Name Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
APWU Health Plan shyCDHPshy Nationwide
GEHA High Deductible Health Plan shyHDHPshy Nationwide
MHBP shy Consumer Option shyHDHPshy Nationwide
NALC shyCDHPshy Nationwide
800shy718shy1299
800shy821shy6136
800shy694shy9901
888shy636shy6252
474 475
341 342
481 482
324 325
9742 21915
11021 25172
13642 30912
10454 22700
39747 89414
44967 102703
55661 126120
42653 92617
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
64
Appendix E FEHB Plan Comparison Charts
High Deductible and ConsumershyDriven Health Plans With a Health Savings Account or Health Reimbursement Arrangement
20 or a flat deductible amount (eg $200 per admission) This amount does not include charges from physicians or for services that may not be charged by the hospital such as laboratory or radiology
Outpatient Surgery shows what you pay the doctor for surgery performed on an outpatient basis
Preventive Services are often covered in full usually with no or only a small deductible or copayment Preventive services may also be payable up to an annual maximum dollar amount (eg up to $300 per person per year)
Prescription Drug Payment Levels Plans use terms such as Level (L I L II) or Tier (T1 T2) to show what you pay for generic or brand name prescription drugs The payment levels that plans use follow L I or Tier 1 includes generic drugs but may include some preferred brands L II or Tier 2 includes preferred brands and may include some generics L III or Tier 3 includes nonshypreferred brands other covered drugs and with some exceptions specialty drugs L IV or Tier 4 includes mostly preferred specialty drugs L V or Tier 5 generally includes nonshypreferred specialty drugs
High Deductible Health Plans and Consumer shy Driven Health Plans are much different from the other types of plans shown in this Guide You can use inshynetwork providers to save money If you use outshyofshynetwork providers however you not only pay more of the costs but you are also usually responsible for any difference between the amount billed for a service and what the plan actually allows (For example you receive a bill from an outshyofshynetwork provider for $100 but the plan allows $85 for the service You pay the higher copayment for outshyofshynetwork care plus the $15 difference between $100 ndash the billed amount ndash and the planrsquos allowance of $85) In addition the difference you pay between the billed amount and the planrsquos allowance does not count toward satisfying the catastrophic limit
Plan Name Benefit Premium CY Ded Cat Limit Office Inpatient Outpatient Preventive Prescription Type Contribution SelfFamily SelfFamily Visit Hospital Surgery Services Drugs
SelfFamily Levels I II III
APWU Health Plan InshyNetwork $1200$2400 $600$1200 $3000$4500 15 None 15 Nothing 252525 APWU Health Plan OutshyNetwork $1200$2400 $600$1200 $9000$9000 40+diff None 40+diff Nothing up to $1200 Not CoveredNANA
GEHA HDHP InshyNetwork $6250$125 $1500$3000 $5000$10000 5 5 5 Nothing 252525 GEHA HDHP OutshyNetWork $6250$125 $1500$3000 $5000$10000 25 25 25 Ded25 25+25+25+
MHBP shy Consumer Option InshyNetwork $70$141 $2000$4000 $5000$10000 $15 $75 dayshy$750 Nothing Nothing $10$25$40 MHBP shy Consumer Option OutshyNetWork $70$141 $2000$4000 $7500$15000 40 40 40 Not Covered Not Covered
NALC InshyNetwork $1200$2400 $2000$4000 $4000$8000 20 20 20 Nothing $10$40$60 NALC OutshyNetwork $1200$2400 $4000$8000 $8000$16000 50 50 50 50 505050+
65
High Deductible Health Plans and ConsumershyDriven Health Plan Member Survey Results
Member Survey results are collected scored and reported by an independent organization ndash not by the health plans See Appendix D for a fuller explanation of each survey category
Overall Plan Satisfaction bull How would you rate your overall experience with your health plan
Getting Needed Care bull How often was it easy to get an appointment the care tests or treatment you thought you needed through your health plan
Getting Care Quickly bull When you needed care right away how often did you get care as soon as you thought you needed bull Not counting the times you needed care right away how often did you get an appointment at a doctorrsquos office or clinic
as soon as you thought you needed
How Well Doctors bull How often did your personal doctor explain things in a way that was easy to understand Communicate bull How often did your personal doctor listen carefully to you show respect for what you had to say and spend enough time with you
Customer Service bull How often did written materials or the Internet provide the information you needed about how your health plan works bull How often did your health planrsquos customer service give you the information or help you needed bull How often were the forms from your health plan easy to fill out
Claims Processing bull How often did your health plan handle your claims quickly and correctly
Plan Information on Costs bull How often were you able to find out from your health plan how much you would have to pay for a health care service or equipment or for specific prescription drug medicines
Aetna HealthFund shy Nationwide 22
GEHA High Deductible Health Plan shy Nationwide 34
Mail Handlers Benefit Plan Consumer Option shy Nationwide 48
Aetna HealthFund shy Nationwide 22
APWU Health Plan shy Nationwide 47
Humana CoverageFirst shy TX TP TU TV
Humana Coverage First shy IN MW
High Deductible Health Plans Plan Name
Plan Code
ConsumershyDriven Health Plans Plan Name
Plan Code
HDHP National Average
CDHP National Average
614
606
623
614
579
606
664
566
478
Overall plan satisfaction
Overall plan satisfaction
885 866 929 860
891 888 952 830
873 851 923 863
891 859 912 887
881 865 939 850
891 888 952 830
909 907 925 871
849 864 932 843
875 801 948 856
Getting needed care
Getting care quickly
How well doctors
communicate Customer service
Member Survey Results
Getting needed care
Getting care quickly
How well doctors
communicate Customer service
876
879
865
885
847
879
845
853
812
Claims processing
Claims processing
585
563
602
590
585
563
680
542
555
Plan Information on Costs
Plan Information on Costs
66
The tables on the following pages highlight selected features that may help you narrow your choice of health plans The tables do not show all of your possible outshyofshypocket costs All benefits are subject to the definitions limitations and exclusions set forth in each planrsquos Federal brochure which is the official statement of benefits available under the planrsquos contract with the Office of Personnel Management Always consult plan brochures before making your final decision
67
High Deductible and ConsumershyDriven Health Plans See pages 64shy65 for an explanation of the columns on these pages
Plan Name
Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Aetna HealthFund shyHDHPshy All 50 States and DC 877shy459shy6604 224 225 11856 25965 48372 105938
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Alabama
Aetna HealthFund shyCDHPshy Most of Alabama
Alaska
Aetna HealthFund shyCDHPshy Most of Alaska
Arizona
Aetna HealthFund shyCDHPshy All of Arizona
Arkansas
Aetna HealthFund shyCDHPshy Most of Arkansas
California
Aetna HealthFund shyCDHPshy Most of California
Colorado
Aetna HealthFund shyCDHPshy All of Colorado
Plan Name
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
Telephone Number
Enrollment Code
F51
JS1
G51
F51
JS1
G51
Self only
F52
JS2
G52
F52
JS2
G52
Self amp family
16322
22787
21977
16322
22787
21977
Self only
39021
53701
51861
39021
53701
51861
Self amp family
60115
66709
65883
60115
66709
65883
Self only
136516
151489
149613
136516
151489
149613
Self amp family
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
68
Plan Name
Benefit Type
Premium Contribution to HSAHRA
CY Ded SelfFamily
Cat Limit SelfFamily
Office Visit
Inpatient Hospital
Outpatient Surgery
Preventive Services
Prescription Drugs
Levels I II III
Aetna HealthFund HDHP InshyNetwork $6250$125 $1500$3000 $4000$8000 10 10 10 Nothing $10$35$60 Aetna HealthFund HDHP OutshyNetWork $6250$125 $2500$5000 $5000$10000 30 30 30 Ded30 30+30+30+
Premium Benefit CY Ded Cat Limit Office Inpatient Outpatient Preventive Prescription Contribution Type SelfFamily SelfFamily Visit Hospital Surgery Services Drugs to HSAHRA Levels I II III Plan Name
Alabama
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Alaska
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed4040+40+40+
Arizona
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Arkansas
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
California
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Colorado
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
69
High Deductible and ConsumershyDriven Health Plans See pages 64shy65 for an explanation of the columns on these pages
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Connecticut
Aetna HealthFund shyCDHPshy All of Connecticut
Delaware
Aetna HealthFund shyCDHPshy All of Delaware
District of Columbia
Aetna HealthFund shyCDHPshy All of Washington DC
CareFirst BlueChoice shyHDHPshy Washington DC Metro Area
Florida
Aetna HealthFund shyCDHPshy Most of Florida
Coventry Health Plan of Florida shyHDHPshy Southern Florida
Humana CoverageFirst shyCDHPshy Tampa Area
Humana CoverageFirst shyCDHPshy South Florida Area
Georgia
Aetna HealthFund shyCDHPshy All of Georgia
Humana CoverageFirst shyCDHPshy Atlanta Area
Humana CoverageFirst shyCDHPshy Macon Area
Guam
TakeCare shyHDHPshy GuamN Mariana IslandsBelau (Palau)
Plan Name
877shy459shy6604
877shy459shy6604
877shy459shy6604
888shy789shy9065
877shy459shy6604
800shy441shy5501
888shy393shy6765
888shy393shy6765
877shy459shy6604
888shy393shy6765
888shy393shy6765
671shy647shy3526
Telephone Number
Enrollment Code
EP1
EP1
F51
B61
F51
J41
MJ1
QP1
F51
AD1
LM1
KX1
Self only
EP2
EP2
F52
B62
F52
J42
MJ2
QP2
F52
AD2
LM2
KX2
Self amp family
20174
20174
16322
14018
16322
13979
12818
10987
16322
11598
12208
6822
Self only
47770
47770
39021
31268
39021
43929
28521
24447
39021
25804
27163
17900
Self amp family
64044
64044
60115
57192
60115
57033
52297
44828
60115
47321
49809
27833
Self only
145440
145440
136516
127574
136516
141522
116366
99744
136516
105282
110827
73032
Self amp family
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
70
Premium Benefit CY Ded Cat Limit Office Inpatient Outpatient Preventive Prescription Contribution Type SelfFamily SelfFamily Visit Hospital Surgery Services Drugs to HSAHRA Levels I II III Plan Name
Connecticut
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Delaware
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
District of Columbia
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
CareFirst BlueChoice InshyNetwork $3750$7500 $1500$3000 $4000$8000 Nothing $300 Nothing Nothing Nothing$30$60 CareFirst BlueChoice OutshyNetWork $3750$7500 $3000$6000 $6000$12000 $70 $500 $70 Nothing Nothing$30$60
Florida
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Coventry Health Plan of Florida $8334$16667 $2500$5000 $5000$10000 $10 Ded+20 Ded+20 Nothing $5$35$5020
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst outshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst outshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Georgia
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst outshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst outshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Guam
TakeCare InshyNetwork $8666$22208 $3000$6000 $5000$10000 20 after Ded 20 after Ded 20 after Ded Nothing $20$40$150 30 after Ded30 after Ded TakeCare OutshyNetWork $8666$22208 $3000$6000 $10000$20000 30 after Ded 30 after Ded 30 after Ded 1st $300ded 30 after Ded
71
High Deductible and ConsumershyDriven Health Plans See pages 64shy65 for an explanation of the columns on these pages
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Hawaii Aetna HealthFund shyCDHPshy All of Hawaii
Idaho
Aetna HealthFund shyCDHPshy Most of Idaho
Altius Health Plans shyHDHPshy Southern Region
Illinois
Aetna HealthFund shyCDHPshy Most of Illinois
Humana CoverageFirst shyCDHPshy Central Illinois
Humana CoverageFirst shyCDHPshy Chicago Area
Indiana
Aetna HealthFund shyCDHPshy All of Indiana
Humana CoverageFirst shyCDHPshy LakePorterLaPorte Counties
Iowa
Aetna HealthFund shyCDHPshy All of Iowa
Coventry Health Care of Iowa shyHDHPshy CentralEasternWestern Iowa
Kansas
Aetna HealthFund shyCDHPshy Most of Kansas
Coventry Health Care of Iowa shyHDHPshy CentralEasternWestern Iowa
Humana CoverageFirst shyCDHPshy Kansas City Area
Plan Name
877shy459shy6604
877shy459shy6604
800shy377shy4161
877shy459shy6604
888shy393shy6765
888shy393shy6765
877shy459shy6604
888shy393shy6765
877shy459shy6604
800shy257shy4692
877shy459shy6604
800shy969shy3343
888shy393shy6765
Telephone Number
Enrollment Code
JS1
H41
9K4
H41
GB1
MW1
JS1
MW1
H41
SV4
G51
9H1
PH1
Self only
JS2
H42
9K5
H42
GB2
MW2
JS2
MW2
H42
SV5
G52
9H2
PH2
Self amp family
22787
16237
8704
16237
12208
12208
22787
12208
16237
8970
21977
12747
10987
Self only
53701
38826
18033
38826
27163
27162
53701
27162
38826
21408
51861
29956
24447
Self amp family
66709
60028
35514
60028
49809
49809
66709
49809
60028
36598
65883
52008
44828
Self only
151489
13631
73576
136317
110827
110823
151489
110823
136317
87344
149613
122219
99744
Self amp family
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
72
Premium Benefit CY Ded Cat Limit Office Inpatient Outpatient Preventive Prescription Contribution Type SelfFamily SelfFamily Visit Hospital Surgery Services Drugs to HSAHRA Levels I II III Plan Name
Hawaii Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Idaho
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Altius Health Plans $4583$9166 $1250$2500 $5000$10000 $20 10 10 Nothing $7$25$50
Illinois
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirs outshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst outshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Indiana
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst outshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Iowa
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Coventry Health Care of Iowa $8333$16666 $2100$4200 $5000$10000 $25 15 45 Nothing $3 $10$45$70
Kansas
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Coventry Health Care of Kansas (Kansas City)shyHDHP $6666$13333 $2500$5000 $4000$8000 20 20 20 Nothing 202020
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst outshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
73
High Deductible and ConsumershyDriven Health Plans See pages 64shy65 for an explanation of the columns on these pages
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Kentucky
Aetna HealthFund shyCDHPshy Most of Kentucky
Humana CoverageFirst shyCDHPshy Lexington Area
Louisiana
Aetna HealthFund shyCDHPshy Most of Louisiana
Maine
Aetna HealthFund shyCDHPshy All of Maine
Maryland
Aetna HealthFund shyCDHPshy All of Maryland
CareFirst BlueChoice shyHDHPshy All of Maryland
Coventry Health Care HDHP shy All of Maryland
Massachusetts
Aetna HealthFund shyCDHPshy Most of Massachusetts
Michigan
Aetna HealthFund shyCDHPshy All of Michigan
Minnesota
Aetna HealthFund shyCDHPshy Most of Minnesota
Mississippi Aetna HealthFund shyCDHPshy Most of Mississippi
Plan Name
877shy459shy6604
888shy393shy6765
877shy459shy6604
877shy459shy6604
877shy459shy6604
888shy789shy9065
800shy833shy7423
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
Telephone Number
Enrollment Code
H41
6N1
F51
EP1
F51
B61
GZ1
EP1
G51
H41
H41
Self only
H42
6N2
F52
EP2
F52
B62
GZ2
EP2
G52
H42
H42
Self amp family
16237
10987
16322
20174
16322
14018
11980
20174
21977
16237
16237
Self only
38826
24447
39021
47770
39021
31268
26835
47770
51861
38826
38826
Self amp family
60028
44828
60115
64044
60115
57192
48880
64044
65883
60028
60028
Self only
136317
99744
136516
145440
136516
127574
109488
145440
149613
136317
136317
Self amp family
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
74
Premium Benefit CY Ded Cat Limit Office Inpatient Outpatient Preventive Prescription Contribution Type SelfFamily SelfFamily Visit Hospital Surgery Services Drugs to HSAHRA Levels I II III Plan Name
Kentucky
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst outshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Louisiana
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Maine
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Maryland
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
CareFirst BlueChoice InshyNetwork $3750$7500 $1500$3000 $4000$8000 Nothing $300 Nothing Nothing Nothing$30$60 CareFirst BlueChoice
Coventry Health Care HDHP
OutshyNetWork
InshyNetwork
$3750$7500
$4167$8334
$3000$6000
$2000$4000
$6000$12000
$4000$8000
$70
Nothing
$500
Nothing
$70
Nothing
Nothing
Nothing
Nothing$30$60
$3$15$30$60 Coventry Health Care HDHP OutshyNetWork $4167$8334 $2000$4000 $4000$8000 30 30 30 30 NA
Massachusetts
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Michigan
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Minnesota
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Mississippi Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
75
High Deductible and ConsumershyDriven Health Plans See pages 64shy65 for an explanation of the columns on these pages
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Missouri Aetna HealthFund shyCDHPshy Most of Missouri
Humana CoverageFirst shyCDHPshy Kansas City Area
Montana
Aetna HealthFund CDHP shy SouthSoutheastWestern MT Areas
Nebraska
Aetna HealthFund shyCDHPshy All of Nebraska
Nevada
Aetna HealthFund shyCDHPshy Las Vegas Area
New Hampshire
Aetna HealthFund shyCDHPshy All of New Hampshire
New Jersey
Aetna HealthFund shyCDHPshy All of New Jersey
New Mexico
Aetna HealthFund shyCDHPshy AlbuquerqueDona AnaHobbs Area
New York
Aetna HealthFund shyCDHPshy Most of New York
Independent Health Assoc shyHDHPshy Western New York
Plan Name
Coventry Health Care of Kansas (Kansas City)shyHDHP Kansas City Metro Area (KS and MO)
877shy459shy6604
800shy969shy3343
888shy393shy6765
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
800shy501shy3439
Telephone Number
Enrollment Code
G51
9H1
PH1
H41
H41
G51
EP1
EP1
G51
EP1
QA4
Self only
G52
9H2
PH2
H42
H42
G52
EP2
EP2
G52
EP2
QA5
Self amp family
21977
12747
10987
16237
16237
21977
20174
20174
21977
20174
9575
Self only
51861
29956
24447
38826
38826
51861
47770
47770
51861
47770
24919
Self amp family
65883
52008
44828
60028
60028
65883
64044
64044
65883
64044
39066
Self only
149613
122219
99744
136317
136317
149613
145440
145440
149613
145440
101669
Self amp family
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
76
Premium Benefit CY Ded Cat Limit Office Inpatient Outpatient Preventive Prescription Contribution Type SelfFamily SelfFamily Visit Hospital Surgery Services Drugs to HSAHRA Levels I II III Plan Name
Missouri Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Coventry Health Care of Kansas (Kansas City)shyHDHP $8333$16666 $2500$5000 $3500$7000 20 20 20 Nothing 202020
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst OutshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Montana
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Nebraska
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Nevada
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
New Hampshire
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
New Jersey
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
New Mexico
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
New York
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Independent Health Assoc InshyNetwork $6642$16667 $2000$4000 $5000$10000 $15 Nothing 20 Nothing $7$25$40 Independent Health Assoc OutshyNetWork $6642$16667 $2000$4000 $5000$10000 40 40 40 Nothing NA
77
High Deductible and ConsumershyDriven Health Plans See pages 64shy65 for an explanation of the columns on these pages
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
North Carolina
Aetna HealthFund shyCDHPshy All of North Carolina
North Dakota
Aetna HealthFund shyCDHPshy Most of North Dakota
Ohio Aetna HealthFund shyCDHPshy All of Ohio
AultCare HMO shyHDHPshy StarkCarrollHolmesTuscarawasWayne Co
Oklahoma Aetna HealthFund shyCDHPshy All of Oklahoma
Oregon Aetna HealthFund shyCDHPshy Most of Oregon
Pennsylvania
Aetna HealthFund shyCDHPshy All of Pennsylvania
HealthAmerica Pennsylvania shy HDHP shy Greater Pittsburgh Area
UPMC Health Plan shyHDHPshy Western Pennsylvania
Rhode Island
Aetna HealthFund shyCDHPshy All of Rhode Island
South Carolina
Aetna HealthFund shyCDHPshy All of South Carolina
Plan Name
877shy459shy6604
877shy459shy6604
877shy459shy6604
330shy363shy6360
877shy459shy6604
877shy459shy6604
877shy459shy6604
866shy351shy5946
888shy876shy2756
877shy459shy6604
877shy459shy6604
Telephone Number
Enrollment Code
F51
H41
JS1
3A4
JS1
H41
H41
Y61
8W4
EP1
JS1
Self only
F52
H42
JS2
3A5
JS2
H42
H42
Y62
8W5
EP2
JS2
Self amp family
16322
16237
22787
8669
22787
16237
16237
12298
12448
20174
22787
Self only
39021
38826
53701
17501
53701
38826
38826
28345
28053
47770
53701
Self amp family
60115
60028
66709
35369
66709
60028
60028
50178
50788
64044
66709
Self only
136516
136317
151489
71405
151489
136317
136317
115650
114458
145440
151489
Self amp family
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
78
North Carolina
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
North Dakota
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Ohio Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
AultCare HMO InshyNetwork $8333$16666 $2000$4000 $4000$8000 20 20 20 Nothing 202020 AultCare HMO OutshyNetWork $8333$16666 $4000$8000 $8000$16000 40 UCR 40 UCR 40 UCR 50 UCR
Oklahoma Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Oregon Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Pennsylvania
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
HealthAmerica Pennsylvania shy HDHP $6250$125 $1500$3000 $4000$8000 $15 Nothing Nothing Nothing $5$35$50
UPMC Health Plan InshyNetwork $8333$$16667 $2000$4000 $3000$6000 10after deduct Nothing UPMC Health Plan OutshyNetWork $8333$16667 $2000$4000 $6000$12000 30after deduct 30 NA
Rhode Island
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
South Carolina
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Plan Name
Premium Contribution to HSAHRA
CY Ded SelfFamily
Cat Limit SelfFamily
Office Visit
Inpatient Hospital
Outpatient Surgery
Preventive Services
Prescription Drugs
Levels I II III
Benefit Type
20 Plan Allow20 Plan Allow 20 Plan Allow
$5 after deduct$35 after deduct
10After Deduct
10 after deduct
30After Deduct
30 after deduct
79
High Deductible and ConsumershyDriven Health Plans See pages 64shy65 for an explanation of the columns on these pages
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
South Dakota
Aetna HealthFund shyCDHPshy Rapid CitySioux Falls Area
Tennessee
Aetna HealthFund shyCDHPshy Most of Tennessee
Texas Aetna HealthFund shyCDHPshy All of Texas
Humana CoverageFirst shyCDHPshy Corpus Christi Area
Humana CoverageFirst shyCDHPshy San Antonio Area
Humana CoverageFirst shyCDHPshy Austin Area
Utah Aetna HealthFund shyCDHPshy Most of Utah
Altius Health Plans shyHDHPshy Wasatch Front
Vermont
Aetna HealthFund shyCDHPshy All of Vermont
Virginia Aetna HealthFund shyCDHPshy Most of Virginia
CareFirst BlueChoice shyHDHPshy Northern Virginia
Plan Name
877shy459shy6604
877shy459shy6604
877shy459shy6604
888shy393shy6765
888shy393shy6765
888shy393shy6765
877shy459shy6604
800shy377shy4161
877shy459shy6604
877shy459shy6604
888shy789shy9065
Telephone Number
Enrollment Code
G51
F51
JS1
TP1
TU1
TV1
G51
9K4
EP1
F51
B61
Self only
G52
F52
JS2
TP2
TU2
TV2
G52
9K5
EP2
F52
B62
Self amp family
21977
16322
22787
12208
12208
13429
21977
8704
20174
16322
14018
Self only
51861
39021
53701
27163
27162
29879
51861
18033
47770
39021
31268
Self amp family
65883
60115
66709
49809
49809
54790
65883
35514
64044
60115
57192
Self only
149613
136516
151489
110827
110823
121906
149613
73576
145440
136516
127574
Self amp family
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
80
Premium Benefit CY Ded Cat Limit Office Inpatient Outpatient Preventive Prescription Contribution Type SelfFamily SelfFamily Visit Hospital Surgery Services Drugs to HSAHRA Levels I II III Plan Name
South Dakota
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Tennessee
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Texas Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst OutshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst OutshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst OutshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Utah Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Altius Health Plans $5208$10415 $1250$2500 $5000$10000 $20 10 10 Nothing $7$25$50
Vermont
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60
Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Virginia Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
CareFirst BlueChoice InshyNetwork $3750$7500 $1500$3000 $4000$8000 Nothing $300 Nothing Nothing Nothing$30$60 CareFirst BlueChoice OutshyNetWork $3750$7500 $3000$6000 $6000$12000 $70 $500 $70 Nothing Nothing$30$60
81
High Deductible and ConsumershyDriven Health Plans See pages 64shy65 for an explanation of the columns on these pages
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Washington Aetna HealthFund shyCDHPshy Most of Washington
KPS Health Plans shyHDHPshy All of Washington
West Virginia Aetna HealthFund shyCDHPshy Most of West Virginia
Wisconsin Aetna HealthFund shyCDHPshy All of Wisconsin
Wyoming
Aetna HealthFund shyCDHPshy All of Wyoming
Altius Health Plans shyHDHPshy Uinta County
Plan Name
877shy459shy6604
800shy552shy7114
877shy459shy6604
877shy459shy6604
877shy459shy6604
800shy377shy4161
Telephone Number
Enrollment Code
G51
L14
F51
JS1
H41
9K4
Self only
G52
L15
F52
JS2
H42
9K5
Self amp family
21977
10262
16322
22787
16237
8704
Self only
51861
22425
39021
53701
38826
18033
Self amp family
65883
41871
60115
66709
60028
35514
Self only
149613
91494
136516
151489
136317
73576
Self amp family
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
82
Washington Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
KPS Health Plans InshyNetwork $6250$125 $1300$2600 $4000$8000 20 None 20 Nothing KPS Health Plans OutshyNetWork $6250$125 $1300$2600 $4000$8000 40 None 40 Not Covered Not Covered
West Virginia Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Wisconsin Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Wyoming
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Altius Health Plans $5208$10415 $1250$2500 $5000$10000 $20 10 10 Nothing $7$25$50
Plan Name
Premium Contribution to HSAHRA
CY Ded SelfFamily
Cat Limit SelfFamily
Office Visit
Inpatient Hospital
Outpatient Surgery
Preventive Services
Prescription Drugs
Levels I II III
Benefit Type
$10$35$50 30day $100 90day
83
______________________________________________________________________________________________________________
Medicaid and the Childrenrsquos Health Insurance Program (CHIP) Offer Free or LowshyCost Health Coverage to Children and Families
If you or your children are eligible for Medicaid or CHIP and you are eligible for health coverage from your employer your State may have a premium assistance program that can help pay for coverage These States use funds from their Medicaid or CHIP programs to help people who are eligible for these programs but also have access to health insurance through their employer If you or your children are not eligible for Medicaid or CHIP you will not be eligible for these premium assistance programs
If you or your dependents are already enrolled in Medicaid or CHIP and you live in a State listed below you can contact your State Medicaid or CHIP office to find out if premium assistance is available
If you or your dependents are NOT currently enrolled in Medicaid or CHIP and you think you or any of your dependents might be eligible for either of these programs you can contact your State Medicaid or CHIP office or dial 1shy877shyKIDS NOW or wwwinsurekidsnowgov to find out how to apply If you qualify you can ask the State if it has a program that might help you pay the premiums for an employershysponsored plan
Once it is determined that you or your dependents are eligible for premium assistance under Medicaid or CHIP as well as eligible under your employer plan your employer must permit you to enroll in your employer plan if you are not already enrolled This is called a ldquospecial enrollmentrdquo opportunity and you must request coverage within 60 days of being determined eligible for premium assistance If you have questions about enrolling in your employer plan you can contact the Department of Labor electronically at wwwaskebsadolgov or by calling tollshyfree 1shy866shy444shyEBSA (3272)
If you live in one of the following States you may be eligible for assistance paying your employer health plan premiums The following list of States is current as of January 31 2013 You should contact your State for further information on eligibility ndash
ALABAMA ndash Medicaid KANSAS ndash Medicaid Website httpwwwmedicaidalabamagov Phone 1shy855shy692shy5447
Website httpwwwkdheksgovhcf Phone 1shy800shy792shy4884
ALASKA ndash Medicaid KENTUCKY ndash Medicaid Website httphealthhssstateakusdpaprogramsmedicaid Phone (Outside of Anchorage) 1shy888shy318shy8890 Phone (Anchorage) 907shy269shy6529
Website httpchfskygovdmsdefaulthtm Phone 1shy800shy635shy2570
ARIZONA ndash CHIP LOUISIANA ndash Medicaid Website httpwwwazahcccsgovapplicants Phone (Outside of Maricopa County) 1shy877shy764shy5437 Phone (Maricopa County) 602shy417shy5437
Website httpwwwlahippdhhlouisianagov Phone 1shy888shy695shy2447
COLORADO ndash Medicaid MAINE ndash Medicaid Medicaid Website httpwwwcoloradogov Medicaid Phone (In state) 1shy800shy866shy3513 Medicaid Phone (Out of state) 1shy800shy221shy3943
Website httpwwwmainegovdhhsofipublicshyassistanceindexhtml Phone 1shy800shy977shy6740 TTY 1shy800shy977shy6741
FLORIDA ndash Medicaid MASSACHUSETTS ndash Medicaid and CHIP Website httpswwwflmedicaidtplrecoverycom Phone 1shy877shy357shy3268
Website httpwwwmassgovMassHealth Phone 1shy800shy462shy1120
GEORGIA ndash Medicaid MINNESOTA ndash Medicaid Website httpdchgeorgiagov Click on Programs then Medicaid then Health Insurance Premium Payent (HIPP) Phone 1shy800shy869shy1150
Website httpwwwdhsstatemnus Click on Health Care then Medical Assistance Phone 1shy800shy657shy3629
IDAHO ndash Medicaid and CHIP MISSOURI ndash Medicaid Medicaid Website wwwaccesstohealthinsuranceidahogov Medicaid Phone 1shy800shy926shy2588 CHIP Website wwwmedicaididahogov CHIP Phone 1shy800shy926shy2588
Website httpwwwdssmogovmhdparticipantspageshipphtm Phone 573shy751shy2005
INDIANA ndash Medicaid MONTANA ndash Medicaid Website httpwwwingovfssa Phone 1shy800shy889shy9949
Website httpmedicaidproviderhhsmtgovclientpages clientindexshtml Phone 1shy800shy694shy3084
IOWA ndash Medicaid NEBRASKA ndash Medicaid Website wwwdhsstateiaushipp Phone 1shy888shy346shy9562
Website wwwACCESSNebraskanegov Phone 1shy877shy383shy4278
84
Medicaid and the Childrenrsquos Health Insurance Program (CHIP) Offer Free or LowshyCost Health Coverage to Children and Families
NEVADA ndash Medicaid SOUTH CAROLINA ndash Medicaid Medicaid Website httpdwssnvgov Medicaid Phone 1shy800shy992shy0900
Website httpwwwscdhhsgov Phone 1shy888shy549shy0820
NEW HAMPSHIRE ndash Medicaid SOUTH DAKOTA ndash Medicaid Website httpwwwdhhsnhgovoiidocumentshippapppdf Phone 603shy271shy5218
Website httpdsssdgov Phone 1shy888shy828shy0059
NEW JERSEY ndash Medicaid and CHIP TEXAS ndash Medicaid Medicaid Website httpwwwstatenjushumanservices dmahsclientsmedicaid Medicaid Phone 609shy631shy2392 CHIP Website httpwwwnjfamilycareorgindexhtml CHIP Phone 1shy800shy701shy0710
Website httpswwwgethipptexascom Phone 1shy800shy440shy0493
NEW YORK ndash Medicaid UTAH ndash Medicaid and CHIP Website httpwwwnyhealthgovhealth_caremedicaid Phone 1shy800shy541shy2831
Website httphealthutahgovupp Phone 1shy866shy435shy7414
NORTH CAROLINA ndash Medicaid VERMONTndash Medicaid Website httpwwwncdhhsgovdma Phone 919shy855shy4100
Website httpwwwgreenmountaincareorg Phone 1shy800shy250shy8427
NORTH DAKOTA ndash Medicaid VIRGINIA ndash Medicaid and CHIP Website httpwwwndgovdhsservicesmedicalservmedicaid Phone 1shy800shy755shy2604
Medicaid Website httpwwwdmasvirginiagovrcpshyHIPPhtm Medicaid Phone 1shy800shy432shy5924 CHIP Website httpwwwfamisorg CHIP Phone 1shy866shy873shy2647
OKLAHOMA ndash Medicaid and CHIP WASHINGTON ndash Medicaid Website httpwwwinsureoklahomaorg Phone 1shy888shy365shy3742
Website httphrsadshswagovpremiumpymtApplyshtm Phone 1shy800shy562shy3022 ext 15473
OREGON ndash Medicaid and CHIP WEST VIRGINIA ndash Medicaid Website httpwwworegonhealthykidsgov httpwwwhijossaludablesoregongov Phone 1shy877shy314shy5678
Website wwwdhhrwvgovbms Phone 1shy877shy598shy5820 HMS Third Party Liability
PENNSYLVANIA ndash Medicaid WISCONSIN ndash Medicaid Website httpwwwdpwstatepaushipp Phone 1shy800shy692shy7462
Website httpwwwbadgercareplusorgpubspshy10095htm Phone 1shy800shy362shy3002
RHODE ISLAND ndash Medicaid WYOMING ndash Medicaid Website wwwohhsrigov Phone 401shy462shy5300
Website httphealthwyogovhealthcarefinequalitycare Phone 307shy777shy7531
To see if any more States have added a premium assistance program since January 31 2013 or for more information on special enrollment rights you can contact either
US Department of Labor Employee Benefits Security Administration wwwdolgovebsa 1shy866shy444shyEBSA (3272)
US Department of Health and Human Services Centers for Medicare amp Medicaid Services wwwcmshhsgov 1shy877shy267shy2323 Ext 61565
OMB Control Number 1210shy0137 (expires 09302013)
85
Table of Contents
Page
Introduction to the Federal Employees Health Benefits (FEHB) Program and this Guide 2
Federal Employees Health Benefits (FEHB) Program 3
Temporary Continuation of Coverage (TCC) 5
FEHB Program Health Information Technology and PriceCost Transparency 8
Appendix A FEHB Program Features 9
Appendix B Choosing an FEHB Plan 10
Appendix C Qualifying Life Events 13
Appendix D Member Survey Results 14
Appendix E FEHB Plan Comparison Charts 15
bull Nationwide FeeshyforshyService Plans 16
bull Health Maintenance Organization Plans and Plans Offering a PointshyofshyService Product 21
bull High Deductible and ConsumershyDriven 60
Medicaid and the Childrenrsquos Health Insurance Program (CHIP) 84
1
Introduction to the Federal Employees Health Benefits (FEHB) Program and this Guide
The Indian Health Care Improvement Act (IHCIA) section 409 ldquoAccess to Federal Insurancerdquo under the Patient Protection and Affordable Care Act (ACA) extends entitlement to purchase coverage in the FEHB Program to the following groups (hereinafter tribal employer)
1) Indian tribes or tribal organizations carrying out programs under the Indian SelfshyDetermination and Education Assistance Act and
2) Urban Indian organizations carrying out programs under title V of the Indian Health Care Improvement Act
The purpose of this Guide is to provide you basic information about the benefits offered to you as the tribal employee of a tribal employer that has chosen to participate in the FEHB Program This Guide will assist you with the process of selecting and enrolling in a plan that meets your health care needs during any of the following events
bull Initial Enrollment Opportunity bull Annual Open Season bull Qualifying Life Events bull Becoming eligible for Temporary Continuation of Coverage
Things to consider
1) See pages 3 and 4 for general information on FEHB (including eligibility) and Appendix B for guidance on choosing a plan
2) If you decide to enroll examine the brochure of each plan you are interested in to ensure the benefits and premiums meet your needs and the plan is available in your geographic area and
3) Contact your tribal employer for information on how to enroll
How do I get more information about this Program
Visit the FEHB Program online at wwwopmgovhealthcareshyinsuranceindianshytribeshealthshyinsurance for information including
bull How to compare health plans and choose the one that meets your needs bull Health plan websites and plan brochures bull Getting quality healthcare bull Medicare and FEHB
2
bull
Federal Employees Health Benefits (FEHB) Program
What does this Program offer
The FEHB Program offers a wide variety of plans and coverage to help you meet your health care needs It is group coverage available to eligible tribal employers that have chosen to participate in the FEHB Program for their eligible tribal employees It also covers eligible family members of those tribal employees If you leave tribal employment the FEHB Program offers Temporary Continuation of Coverage (TCC) as well as an opportunity to convert your enrollment to nonshygroup (private) coverage Please refer to the TCC section in this Guide for more details
Appendix E includes a comparison chart of all the plans in the FEHB Program with information comparing basic benefits and costs
Key FEHB Program facts
bull You can choose from FeeshyforshyService plans or Health Maintenance Organization plans with comprehensive coverage and higher premiums or ConsumershyDriven and High Deductible plans that offer catastrophic risk protection with higher deductibles health savingsreimbursement accounts and lower premiums
bull There are no waiting periods and no preshyexisting condition limitations even if you change plans
bull All nationwide FEHB plans offer international coverage
bull There are separate andor different provider networks for each plan Utilizing an inshynetwork provider may reduce your outshyofshypocket costs
bull FEHB coverage continues each year You do not need to reshyenroll each year If you are happy with your current coverage do nothing Please note that your premiums and benefits may change
bull The FEHB Open Season for Tribal Employees begins on the Monday of the second full work week in November and ends on the Monday of the second full week in December This yearrsquos Open Season is from Monday November 11 2013 through Monday December 9 2013
bull If your tribal employer participates in premium conversion FEHB enrollment changes can only be made during the annual Open Season or if you experience a Qualifying Life Event (QLE) Premium conversion allows tribal employees to use preshytax dollars to pay their FEHB premiums Check with your tribal employer to see if they participate in premium conversion
bull If your tribal employer does not participate in premium conversion or you choose not to participate in premium conversion you may change your FEHB enrollment from Self and Family to Self Only or cancel coverage at any time Other FEHB enrollment changes must be made during the annual Open Season or if you experience a QLE
What enrollment types are available
bull Self Only which covers only the enrolled tribal employee or
bull Self and Family which covers the enrolled tribal employee and all eligible family members
Am I eligible to enroll
You may be eligible if you are employed by a tribal employer that participates in the FEHB Program If your tribal employer has not provided you with information about FEHB enrollment you should contact them for information
3
Federal Employees Health Benefits (FEHB) Program
Which family members are eligible
Family members covered under your Self and Family enrollment are
bull Your spouse (including a valid common law marriage) and
bull Children under age 26 including legally adopted children recognized natural children and stepchildren
ndash Foster children are included if they meet certain requirements
ndash A child age 26 or over who is incapable of selfshysupport because of a mental or physical disability that
existed before age 26 is also an eligible family member
Contact your tribal employer for additional information In determining whether the child is a covered
family member your tribal employer will look at the childrsquos relationship to you as an FEHB enrollee
How much does it cost
The premiums for your FEHB enrollment are shared by you and your tribal employer Your tribal employer pays at a minimum the lesser of 72 of the average total premium of all plans weighted by the number of enrollees in each or 75 of the premium for the specific plan you choose If you are a tribal employee of a tribal employer that participates in premium conversion and you have chosen to participate you automatically pay your share of premium through a payroll deduction using preshytax dollars
The charts in Appendix E provide cost information for all plans in the FEHB Program
Please note that the provided rates are the maximum amount you will be required to pay for your premium Your tribal employer may choose to pay a higher portion of your premium Check with your tribal employer for exact rates You may have other outshyofshypocket costs in addition to your premium such as copays coinsurance and deductibles
When can I enroll or change my FEHB enrollment
If you are employed by a tribal employer that has recently elected to purchase health insurance through the FEHB Program you now have an opportunity to enroll in coverage Your tribal employer will provide you with the exact dates of your Initial Enrollment Opportunity and your effective date of coverage
If you chose not to enroll during the Initial Enrollment Opportunity you may also enroll 1) during the annual Open Season held from the Monday of the second full work week in November through the Monday of the second full work week in December (this yearrsquos Open Season is from November 11 through December 9 2013) or 2) if you have a qualifying life event (QLE)
If you participate in premium conversion you may enroll change your enrollment type change plans or cancel outside of Open Season only if you experience a QLE such as a change in family or other insurance coverage status Appendix C contains more specific information about QLEs that permit tribal employees to enroll or change enrollment in the FEHB Program However if you do not participate in premium conversion you may change your enrollment type from Self and Family to Self Only or cancel coverage at any time
How do I enroll or change my FEHB enrollment
You must enroll or change your FEHB enrollment by completing the Health Benefits Election Form (SF 2809) This form is available on our website at wwwopmgovformspdf_fillsf2809pdf You can find information and guidance on the SF 2809 at wwwopmgovhealthcareshyinsuranceindianshytribesreferenceshymaterialsenrollmentshyformshy2809shyemployeeshyguidancepdf Contact your tribal employer for details
4
Temporary Continuation of Coverage (TCC)
This section provides basic information about the Temporary Continuation of Coverage (TCC) provisions of the FEHB Program
What does TCC offer
TCC allows former tribal employees and formerly eligible family members to continue their FEHB Program coverage for a limited period TCC offers the same FEHB coverage and benefits that are available to tribal employees
Who is Eligible for TCC
Individuals eligible for TCC include
bull Former tribal employees whose FEHB coverage ended because they separated from tribal employment (including retirement) unless they were separated for gross misconduct
bull Children who lose coverage under a Self and Family FEHB enrollment of a current or former tribal employee because they are no longer considered eligible family members and
bull Former (divorced) spouses who lose coverage under a Self and Family FEHB enrollment of a current or former tribal employee
Which family members are eligible
Family members covered under your Self and Family TCC enrollment include
bull Your spouse (including a valid common law marriage)
bull Children under age 26 including recognized natural children legally adopted children and
stepchildren Foster children are included if they meet certain requirements
bull Your child age 26 or over who is incapable of selfshysupport because of a mental or physical
disability that existed before age 26
Note In determining whether the child is a covered family member your tribal employer will look at the childrsquos relationship to you as an FEHB enrollee
What TCC enrollment types are available
bull Self Only which only covers the TCC enrollee or
bull Self and Family which covers the TCC enrollee and all eligible family members
Note A former (divorced) spousersquos eligible family members are limited to children of both the tribal employee and the former spouse
5
Temporary Continuation of Coverage (TCC)
How much does it cost Under TCC you pay the total monthly premium (enrolleersquos share plus the tribal employerrsquos share) plus a 2 percent administrative charge The charts in Appendix E provide cost information for all plans in the FEHB Program
When can I enroll
Individuals eligible for TCC generally must enroll within 60 days after the qualifying event permitting enrollment or after receiving notice of eligibility from the tribal employer whichever is later The opportunity to elect TCC ends 60 days after the qualifying event if (1) you do not notify your tribal employer within 60 days of your childrsquos loss of coverage or (2) you or your former (divorced) spouse do not notify your tribal employer within 60 days of your divorce
How do I enroll
You must enroll by completing the Health Benefits Election Form (SF 2809) This form is available on our website at wwwopmgovformspdf_fillsf2809pdf You can find information and guidance on the SF 2809 at wwwopmgovhealthcareshyinsuranceindianshytribesreferenceshymaterialsenrollmentshyformshy2809shyemployeeshyguidancepdf
If you are a former tribal employee contact your tribal employer If you are a child contact the tribal employer of your parent who is the FEHB enrollee If you are a former (divorced) spouse contact the tribal employer of your former spouse
When can I change my TCC enrollment Former tribal employees children andor former (divorced) spouses with an existing TCC enrollment may change their enrollment during the annual Open Season or based upon a qualifying life event (QLE) A QLE is a term defined by OPM to describe events that may allow you to change your FEHB enrollment
A complete listing of QLEs can be found in Table 4 of the Tables of Permissible Changes of the SF 2809 at wwwopmgovformspdf_fillsf2809pdf
Be aware this information only applies to individuals with an existing TCC enrollment and that time limits apply for requesting changes
6
Temporary Continuation of Coverage (TCC)
When does my TCC coverage end
If you are a former tribal employee TCC ends on the date that is 18 months after the date of your separation from tribal employment
If you are a child TCC ends on the date that is 36 months from the date you cease being an eligible family member for FEHB purposes
If you are a former (divorced) spouse TCC ends on the date that is 36 months from the date you cease being an eligible family member for FEHB purposes
Note As a TCC enrollee you may voluntarily cancel your TCC enrollment at any time However once your cancellation takes effect you cannot reenroll in the FEHB Program You will not be entitled to a 31shyday extension of coverage for conversion to a nonshygroup (private) policy Family members who lose coverage upon your cancellation may enroll only if they are eligible for FEHB in their own right as tribal employees
If your TCC enrollment terminates because you acquire other FEHB coverage and that coverage ends before your original TCC eligibility period ends you may reenroll for the time remaining until your original TCC ending date
How do I get more information about TCC
Visit FEHB online at wwwopmgovhealthcareshyinsuranceindianshytribeshealthshyinsurance for more information about Temporary Continuation of Coverage
7
FEHB Program Health Information Technology and PriceCost Transparency
Did You Knowhellip Health Information Technology can improve your health
What is Health Information Technology Health Information Technology (HIT) allows doctors and hospitals to manage medical information and to securely exchange information among patients and providers In a variety of ways HIT has a demonstrated benefit in improving health care quality preventing medical errors reducing costs and decreasing paperwork
What are examples of HIT at work
bull You can go online to review your medical pharmacy and laboratory claims information
bull If you complete a Health Risk Assessment (HRA) your health plan can identify you as a candidate for case management or disease management and offer suggestions on healthy lifestyle strategies and how to reduce or eliminate health risks Health plans can provide you with tips and educational material about good health habits information about routine care that is age and gender appropriate
bull Physicians can have the very best clinical guidelines at their fingertips for managing and treating diseases
bull While with a patient a physician can enter a prescription on a computer where potential allergies and adverse reactions are shown immediately
bull Computer alerts are sent to physicians to remind them of a patientrsquos preventive care needs and to track referrals and test results
One feature of HIT is the Personal Health Record (PHR) The electronic version of your medical records allows you to maintain and manage health information for yourself and your family in a private and secure electronic environment Some health plans include your medical claims data in your PHR which gives a more complete picture of your health status and history
You can also find a PHR on OPMrsquos website at wwwopmgovhealthcareshyinsurancespecialshyinitiativesmanagingshymyshyownshyhealth This PHR is a fillable and downloadable form that you complete yourself and save on your home computer We encourage you to take a look at this PHR option and if you determine it will fulfill your recordshykeeping needs take advantage of this opportunity
Pricecost transparency is another element of health information technology For example many health plans allow you to use online tools that will show what the plan will pay on average for a specific procedure or for a specific prescription drug You can also review healthcare quality indicators for physician and hospital services
The health plans listed on our HIT website at wwwopmgovhealthcareshyinsurancehealthcarereferenceshymaterialsurl=HIT have taken steps to help you become a better consumer of health care and have met OPMrsquos HIT quality and pricecost transparency standards
No one is more responsible for your health care than you ndash HIT tools can help
8
Appendix A FEHB Program Features
No waiting periods You can use your benefits as soon as your coverage becomes effective There are no preshyexisting condition limitations
A choice of coverage You can choose Self Only coverage just for you or Self and Family coverage for you your spouse and children under age 26 Under certain circumstances your FEHB enrollment may cover your disabled child 26 years old or older who is incapable of selfshysupport
A choice of plans and options The FEHB Program offers FeeshyforshyService plans plans offering a PointshyofshyService product Health Maintenance Organizations High Deductible Health Plans and ConsumershyDriven Health Plans
Employing office contributions Your tribal employer pays at a minimum 72 percent of the average premium of all plans toward the total cost of your premium Please check with your tribal employer for exact rates
Salary deductions You pay your share of the premium through a payroll deduction If your tribal employer participates in premium conversion you may choose to pay your share of the FEHB premium with preshytax dollars
Enrollment opportunities Each year you can enroll or change your health plan enrollment during the annual Open Season Open Season runs from the Monday of the second full work week in November to the Monday of the second full work week in December This year Open Season will run from November 11 through December 9 2013 Also certain qualifying life events (QLEs) allow for certain types of changes throughout the year see your tribal employer for details
Continued group coverage The FEHB Program offers continued FEHB coverage bull For you or your family when you move transfer or go on leave without pay or enter military service (certain rules about coverage and premium amounts apply see your tribal employer)
Coverage after FEHB ends The FEHB Program offers temporary continuation of coverage (TCC) and conversion to nonshygroup (private) coverage bull For you and your family if you leave your job or retire bull For your covered child if he or she turns age 26 or bull For your former spouse when you divorce
Coverage for family members if you die Your surviving family members may be eligible to continue coverage as described below bull If you have a Self and Family FEHB enrollment with only a spouse your spouse is eligible for conversion to nonshygroup (private) coverage bull If you have a Self and Family FEHB enrollment with a child or children the child(ren) are eligible for Temporary Continuation of Coverage (TCC) and may cover your spouse Eligible family members may convert to nonshygroup (private) coverage when TCC expires at the end of 36 months
If you lose coverage under the FEHB Program you should automatically receive a Certificate of Group Health Plan Coverage from the last FEHB plan to cover you If not the plan must give you one on request This certificate may be important to qualify for benefits if you join a nonshyFEHB plan
9
Appendix B Choosing an FEHB Plan
What type of health plan is best for you You have some basic questions to answer about how you pay for and access medical care Here are the different types of plans from which to choose
Types of Plans Choice of doctors hospitals pharmacies and other providers
Specialty care Outshyofshypocket costs Paperwork
FeeshyforshyService wPPO (Preferred Provider Organization)
You must use the planrsquos network to reduce your outshyofshypocket costs For BCBS Basic Option you must use Preferred providers for your care to be eligible for benefits
Referral not required to get benefits
You pay fewer costs if you use a PPO provider than if you donrsquot
Some if you donrsquot use network providers
Health Maintenance You generally must Referral generally Your outshyofshypocket Little if any Organization use the planrsquos network
to reduce your outshyofshypocket costs
required from primary care doctor to get benefits
costs are generally limited to copayments
PointshyofshyService You must use the planrsquos network to reduce your outshyofshypocket costs You may go outside the network but you will pay more
Referral generally required to get maximum benefits
You pay less if you use a network provider than if you donrsquot
Little if you use the network You have to file your own claims if you donrsquot use the network
ConsumershyDriven You may use network Referral not required You will pay an Some if you donrsquot use Health Plans and nonshynetwork
providers You will pay more by not using the network
to get maximum benefits from PPOs
annual deductible and costshysharing You pay less if you use the network
network providers You file a claim to obtain reimbursement from your HRA
High Deductible Health Plans wHealth Savings Account (HSA) or Health Reimbursement Arrangement (HRA)
Some plans are network only others pay something even if you do not use a network provider
Referral not required to get maximum benefits from PPOs
You will pay an annual deductible and costshysharing You pay less if you use the network
Some if you donrsquot use network providers If you have an HSA or HRA account you may have to file a claim to obtain reimbursement
10
Appendix B Choosing an FEHB Plan
What should you consider when choosing a plan Having a variety of plans to choose from is a good thing but it can make the process confusing We have a tool on our website that will help you narrow your plan choice based on the benefits that are important to you go to wwwopmgovhealthcareshyinsuranceindianshytribeshealthshyinsurance You can also find help in selecting a plan using tools provided by PlanSmartChoice at wwwplansmartchoicecomregistrationaspx
Ask yourself these questions
1 How much does the plan cost This includes the premium you pay
2 What benefits does the plan cover Make sure the plan covers the services or supplies that are important to you and know its limitations and exclusions
3 What are my outshyofshypocket costs Does the plan charge a deductible (the amount you must first pay before the plan begins to pay benefits) What is the copayment or coinsurance (the amount you share in the cost of the service or supply)
4 Who are the doctors hospitals and other care providers I can use Your costs are lower when you use providers who are part of the plan these are ldquoinshynetworkrdquo providers
5 How well does my plan provide quality care Quality care varies from plan to plan and here are three sources for reviewing quality
bull Member survey results ndash evaluations by current plan members are posted within the health plan benefit charts in this Guide
bull Effectiveness of care ndash how a plan performs in preventing or treating common conditions is measured by the Healthcare Effectiveness Data and Information Set and is found at wwwopmgovhealthcareshyinsurancehealthcareplanshyinformationqualityshyhealthcareshyscores
bull Accreditation ndash evaluations of health plans by independent accrediting organizations Check the cover of your health planrsquos brochure for its accreditation level or go to httpreportcardncqaorgplanexternalplansearchaspx
1111
Appendix B Choosing an FEHB Plan
Definitions
Brand name drug shy A prescription drug that is protected by a patent supplied by a single company and marketed under the manufacturerrsquos brand name
Coinsurance shy The amount you pay as your share for the medical services you receive such as a doctorrsquos visit Coinsurance is a percentage of the planrsquos allowance for the service (you pay 20 for example)
Copayment shy The amount you pay as your share for the medical services you receive such as a doctorrsquos visit A copayment is a fixed dollar amount (you pay $15 for example)
Deductible shy The dollar amount of covered expenses an individual or family must pay before the plan begins to pay benefits There may be separate deductibles for different types of services For example a plan can have a prescription drug benefit deductible separate from its calendar year deductible
Formulary or Prescription Drug List shy A list of both generic and brand name drugs often made up of different costshysharing levels or tiers that are preferred by your health plan Health plans choose drugs that are medically safe and cost effective A team including pharmacists and physicians determines the drugs to include in the formulary
Generic Drug shy A generic medication is an equivalent of a brand name drug A generic drug provides the same effectiveness and safety as a brand name drug and usually costs less A generic drug may have a different color or shape than the brand name but it must have the same active ingredients strength and dosage form (pill liquid or injection)
InshyNetwork shy You receive treatment from the doctors clinics health centers hospitals medical practices and other providers with whom your plan has an agreement to care for its members
OutshyofshyNetwork shy You receive treatment from doctors hospitals and medical practitioners other than those with whom the plan has an agreement at additional cost Members who receive services outside the network may pay all charges
Premium Conversion shy Premium conversion allows tribal employees who are eligible for FEHB the opportunity to pay their share of FEHB premiums with preshytax dollars In order for tribal employees to participate in premium conversion their tribal employer must have a premium conversion plan Premium conversion plans are governed by the Internal Revenue Code and IRS rules govern when participants may change their enrollment or cancel outside of the annual Open Season
Provider shy A doctor hospital health care practitioner pharmacy or health care facility
Qualifying Life Events shy An event that may allow enrollees in the FEHB Program to change their health benefits enrollment outside of an Open Season These events also apply to tribal employees under premium conversion and include events such as change in family status or change in employment status
Additional definitions are located at the beginning of the sections introducing the different types of health plans
12
Appendix C Qualifying Life Events
Note This information does not apply to individuals who have a Temporary Continuation of Coverage (TCC) FEHB enrollment Please see the TCC section of this Guide if you are a current TCC enrollee
Qualifying Life Events
A qualifying life event (QLE) is a term defined by OPM to describe events that may allow a tribal employee to enroll in the FEHB Program make changes to hisher FEHB enrollment or make changes to hisher premium conversion participation if applicable
Outside of Open Season you can make changes to your FEHB enrollment if you experience certain QLEs The most common QLEs for changing FEHB enrollment type or plan are marriage acquiring a child moving away from the service area of your Health Maintenance Organization (HMO) losing health insurance coverage or changing employment status Your eligibility to make certain changes to your FEHB enrollment will depend upon whether or not you participate in premium conversion
Tribal Employees who Participate in Premium Conversion
Premium conversion allows tribal employees who are eligible for FEHB the opportunity to pay their share of FEHB premiums with preshytax dollars Your tribal employer may choose whether or not to have a premium conversion plan If your tribal employer has a premium conversion plan you may choose to participate or not participate If your tribal employer does not have a premium conversion plan you may not participate
Premium conversion plans are governed by the Internal Revenue Code and IRS rules govern when you may change your FEHB enrollment or premium conversion status outside of the annual Open Season If you experience a QLE you may change your FEHB enrollment (including a change to Self Only or cancellation) provided the action is consistent with the QLE
If you participate in premium conversion please refer to QLE Table 1 of the Standard Form (SF) 2809 at wwwopmgovformspdf_fillsf2809pdf for detailed information If you need assistance in accessing the SF 2809 or have additional questions please contact your tribal employer
Tribal Employees who do not Participate in Premium Conversion
If your tribal employer does not have a premium conversion plan or if they have a plan and you choose not to participate you are not subject to IRS rules for when you can make certain changes to your FEHB enrollment However you are subject to OPM rules for employees who do not participate in premium conversion
An important difference is that a tribal employee who does not participate in premium conversion may cancel hisher FEHB enrollment or change from a Self and Family to a Self Only enrollment at any time
If you do not participate in premium conversion please refer to QLE Table 5 of the SF 2809 at wwwopmgovformspdf_fillsf2809pdf for detailed information If you need assistance in accessing the SF 2809 or have additional questions please contact your tribal employer
13
Appendix D FEHB Member Survey Results
Each year FEHB plans with 500 or more subscribers mail the Consumers Assessment of Healthcare Providers and Systems (CAHPS)1 to a random sample of plan members For Health Maintenance Organizations (HMO)PointshyofshyService (POS) and High Deductible Health Plans (HDHP) and ConsumershyDriven Health Plans (CDHP) the sample includes all commercial plan members including nonshyFederal members For FeeshyforshyService (FFS)Preferred Provider Organization (PPO) plans the sample includes Federal members only The CAHPS survey asks questions to evaluate membersrsquo satisfaction with their health plans Independent vendors certified by the National Committee for Quality Assurance administer the surveys
OPM reports each planrsquos scores on the various survey measures by showing the percentage of satisfied members on a scale of 0 to 100 Also we list the national average for each measure Since we offer HMO plans FFSPPO plans HDHP and CDHP plans we compute a separate national average for each plan type
Survey findings and member ratings are provided for the following key measures of member satisfaction
bull Overall Plan Satisfaction ndash This measure is based on the question ldquoUsing any number from 0 to 10 where 0 is the worst health plan possible and 10 is the best health plan possible what number would you use to rate your health planrdquo We report the percentage of respondents who rated their plan 8 or higher
bull Getting Needed Care ndash How often was it easy to get an appointment the care tests or treatment you thought you needed through your health plan
bull Getting Care Quickly ndash When you needed care right away how often did you get care as soon as you thought you needed Not counting the times you needed care right away how often did you get an appointment at a doctors office or clinic as soon as you wanted
bull How Well Doctors Communicate ndash How often did your personal doctor explain things in a way that was easy to understand How often did your personal doctor listen carefully to you show respect for what you had to say and spend enough time with you
bull Customer Service ndash How often did your health planrsquos customer service department give you the information or help you needed How often did your health planrsquos customer service staff treat you with courtesy and respect How often were the forms from your health plan easy to fill out
bull Claims processing ndash How often did your health plan handle your claims quickly and correctly
bull Plan Information on Costs ndash How often were you able to find out from your health plan how much you would have to pay for a health care service or equipment or for specific prescription drug medicines
In evaluating plan scores you can compare individual plan scores against other plans and against the national averages Generally new plans and those with fewer than 500 FEHB subscribers do not conduct CAHPS Therefore some of the plans listed in the Guide will not have survey data 1 CAHPS is a registered trademark of the Agency for Healthcare Research and Quality (AHRQ)
14
Appendix E FEHB Plan Comparison Charts
Nationwide FeeshyforshyService Plans (Pages 16 through 19)
FeeshyforshyService (FFS) plans with a Preferred Provider Organization (PPO) ndash A FeeshyforshyService plan provides flexibility in using medical providers of your choice You may choose medical providers who have contracted with the health plan to offer discounted charges You may also choose medical providers who do not contract with the plan but you will pay more of the cost
Medical providers who have contracts with the health plan (Preferred Provider Organization or PPO) have agreed to accept the health planrsquos reimbursement You usually pay a copayment or a coinsurance amount and do not file claims or other paperwork Going to a PPO hospital does not guarantee PPO benefits for all services received in the hospital however Lab work radiology and other services from independent practishytioners within the hospital are frequently not covered by the hospitalrsquos PPO agreement If you receive treatshyment from medical providers who are not contracted with the health plan you either pay them directly and submit a claim for reimbursement to the health plan or the health plan pays the provider directly according to plan coverage and you pay a deductible coinsurance or the balance of the billed charge In any case you pay a greater amount in outshyofshypocket costs
PPOshyonly ndash A PPOshyonly plan provides medical services only through medical providers that have contracts with the plan With few exceptions there is no medical coverage if you or your family members receive care from providers not contracted with the plan
FeeshyforshyService plans open only to specific groups ndash Several FeeshyforshyService plans that are sponshysored or underwritten by an employee organization strictly limit enrollment to persons who are members of that organization If you are not certain if you are eligible check with your human resources office first
The Health Maintenance Organization (HMO) and PointshyofshyService (POS) section begins on page 21
The High Deductible Health Plan (HDHP) and ConsumershyDriven Health Plan (CDHP) section begins on page 60
Please note that the premium rates provided are the maximum amount you will be expected to pay for your premium Your tribal employer may choose to pay a higher portion of your premium Please check with your tribal employer for exact rates
The tables on the following pages highlight selected features that may help you narrow your choice of health plans The tables do not show all of your possible outshyofshypocket costs All benefits are subject to the definitions limitations and exclusions set forth in each planrsquos Federal brochure which is the official statement of benefits available under the planrsquos contract with the Office of Personnel Management Always consult plan brochures before making your final decision
15
Nationwide FeeshyforshyService Plans
How to read this chart
The table below highlights selected features that may help you narrow your choice of health plans Always consult plan brochures before making your final decision The chart does not show all of your possible outshyofshypocket costs
The Deductibles shown are the amount of covered expenses that you pay before your health plan begins to pay
Calendar Year deductibles for families are two or more times the per person amount shown
In some plans your combined Prescription Drug purchases from Mail Order and local pharmacies count toward the deductible In other plans only purchases from local pharmacies count Some plans require each family member to meet a per person deductible
The Hospital Inpatient deductible is what you pay each time you are admitted to a hospital
Doctors shows what you pay for inpatient surgical services and for office visits
Your share of Hospital Inpatient Room and Board covered charges is shown
Your Maximum Monthly Premium is the maximum amount you will pay for your premium Your tribal employer may choose to pay a higher portion of your premium Check with your tribal employer for exact rates
Temporary Continuation of Coverage (TCC) allows former tribal employees and formerly eligible family members to continue their FEHB coverage for a limited period Under TCC you pay the total monthly premium (enrolleersquos share plus the tribal employerrsquos share) plus a 2 administrative charge which equals 102 of Total Monthly Premium
Plan Name Open to All Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your
Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
APWU Health Plan (APWU) shyhigh
Blue Cross and Blue Shield Service Benefit Plan (BCBS) shystd
Blue Cross and Blue Shield Service Benefit Plan (BCBS) shybasic
GEHA Benefit Plan (GEHA) shyhigh
GEHA Benefit Plan (GEHA) shystd
MHBP shystd
MHBP shyValue Plan
NALC shyhigh
NALC Value Option
SAMBA shyhigh
SAMBA shystd
800shy222shy2798
Local phone
Local phone
800shy821shy6136
800shy821shy6136
800shy410shy7778
800shy410shy7778
888shy636shy6252
888shy636shy6252
800shy638shy6589
800shy638shy6589
471
104
111
311
314
454
414
321
KM1
441
444
472
105
112
312
315
455
415
322
KM2
442
445
13670
19028
13209
20317
10418
20913
11302
16122
9001
27523
13171
30910
44412
30930
48310
23691
50565
26946
32727
19546
70356
30081
55776
62875
53893
64190
42505
64798
46114
59911
36724
71540
53739
126114
142015
126195
145991
96659
148291
109939
130096
79748
168477
122733
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
16
Prescription Drugs ndash Prescription Drug Payment Levels shy Plans use terms such as Level (L I L II) or Tier (T1 T2) to show what you pay for generic or brand name prescription drugs The payment levels that plans use follow L I or Tier 1 includes generic drugs but may include some preferred brands L II or Tier 2 includes preferred brands and may include some generics L III or Tier 3 includes nonshypreferred brands other covered drugs and with some exceptions specialty drugs L IV or Tier 4 includes mostly preferred specialty drugs L V or Tier 5 generally includes nonshypreferred specialty drugs
Mail Order Discounts ndash If your plan has a Mail Order program (typically for maintenance drugs) and its response is ldquoYesrdquo in general its Mail Order program is superior to its retail pharmacy benefit (eg you obtain a greater quantity for less cost than retail pharmacy purchases) If your plan does not have a Mail Order program or it does not offer a superior benefit to retail pharshymacy purchases the response will be ldquoNordquo
The prescription drug copayments or coinsurances described in this chart do not represent the complete range of costshysharing under these plans Many plans have variations in their prescription drug benefits (eg you pay the greater of a dollar amount or a percentage or you pay one amount for your first prescription and then a different amount for refills) You must read the plan brochure for a complete description of prescription drug and all other benefits
MedicalshySurgical ndash You Pay
Copay ($)Coinsurance ()
Plan
APWU shyhigh
BCBS shystd
BCBS shybasic
GEHA shyhigh
GEHA shystd
MHBP shystd
MHBP shyvalue
NALC shyhigh
NALC shyValue
SAMBA shyhigh
SAMBA shystd
Benefit Type
Per Person
Calendar Year
Prescription Drug
Hospital Inpatient
Do
Office Visits
ctors
Inpatient Surgical Services
Hospital Inpatient
RampB Level I
Prescription Drugs
Level II Level III
PPO $275 None None $18 10 10 $8 2525 Yes NonshyPPO $500 None $300 30+diff 30+diff 30 50 5050 Yes
PPO $350 None $250 $20 15 Nothing 2015 Medicare B T2 30$80 T3 45$105 Yes NonshyPPO $350 None $350 + 35+ 35+ 35+ Nothing 45+ T1shyT5 T4 30$35$95 T5 30$55$155 Yes
PPO None None $175day $875 Max $25 $200 Nothing $1030day $3090day T2 $45 T3 50($55Min) T4 $50to$140 T5 $70to$195
NA
PPO $350 None $100 $20 10 Nothing $10 25 Max $150NA Yes NonshyPPO $350 None $300 25 25 Nothing $10 25 Max $150 +NA Yes
PPO $350 None None $10 15 15 $10 50 Max $200NA Yes NonshyPPO $350 None None 35 35 35 $10 50 Max $200 +NA Yes
PPO $400 None $200 $20 10 Nothing $5 30($200 max)50($200 max) Yes NonshyPPO $600 None $500 30 30 30 50 5050 Yes
PPO $600 None None $30 20 20 $10 4575 Yes NonshyPPO $900 Not Covered None 40 40 40 Not Covered Not Covered Yes
PPO $300 None $200 $20 15 Nothing 20 3045 Yes NonshyPPO $300 None $350 30 30 30 45+ 45+45+ Yes
NonshyPPO $4000 None 50 50 50 50 50 5050+ No PPO $2000 None 20 20 20 20 $10 $40$60 No
PPO $300 None $200 $20 10 Nothing $8 20($55 max)35($100 max) Yes NonshyPPO $300 None $300 30 30 30 $8 20($55 max)35($100 max) Yes
PPO $350 None $150 up to $450 $20 15 Nothing $8 30($70 max)40($110 max) Yes NonshyPPO $350 None $200 up to $600 35 35 35 $8 30($70 max)40($110 max) Yes
Deductible
Mail Order Discounts
17
Nationwide FeeshyforshyService Plans
Member Survey results are collected scored and reported by an independent organization ndash not by the health plans See Appendix D for a fuller explanation of each survey category
Overall Plan Satisfaction bull How would you rate your overall experience with your health plan
Getting Needed Care bull How often was it easy to get an appointment the care tests or treatment you thought you needed through your health plan
Getting Care Quickly bull When you needed care right away how often did you get care as soon as you thought you needed bull Not counting the times you needed care right away how often did you get an appointment at a doctorrsquos office or clinic as soon as you thought you needed
How Well Doctors bull How often did your personal doctor explain things in a way that was easy to understand Communicate bull How often did your personal doctor listen carefully to you show respect for what you had to say and spend enough time with you
Customer Service bull How often did written materials or the Internet provide the information you needed about how your health plan works bull How often did your health planrsquos customer service give you the information or help you needed bull How often were the forms from your health plan easy to fill out
Claims Processing bull How often did your health plan handle your claims quickly and correctly
Plan Information on Costs bull How often were you able to find out from your health plan how much you would have to pay for a health care service or equipment or for specific prescription drug medicines
APWU Health Plan shyhigh
Blue Cross and Blue Shield Service Benefit Plan shystd
Blue Cross and Blue Shield Service Benefit Plan shybasic
GEHA Benefit Plan shyhigh
GEHA Benefit Plan shystd
MHBP shystd
MHBP shyValue Plan
NALC shyhigh
NALC shyValue Option
SAMBA shyhigh
SAMBA shystd
Plan Name Open to All
FFS National A
Member Survey Results
47 47
10 10
11
31 31
31 31
45 45
41 41
32 32
KM KM
44 44
44 44
Plan Code
verage 805
772
835
757
838
725
84
63
856
897
816
Overall plan satisfaction
927
927
946
896
934
907
938
908
936
947
93
Getting needed care
917
935
917
891
922
895
916
857
922
943
905
Getting care quickly
951
951
955
95
961
949
935
929
959
96
956
How well doctors
communicate
911
89
926
921
912
875
906
866
934
946
911
Customer service
934
921
956
936
929
926
954
887
965
953
946
Claims processing
716
682
703
643
699
688
696
636
771
789
757
Plan Information on Costs
18
FeeshyforshyService Plans ndash Blue Cross and Blue Shield Service Benefit Plan ndash Member Survey Results for Select States
Again this year we are providing more detailed information regarding the quality of services provided by our health plans We are including the results of the Member Satisfaction survey at the state level for eight local Blue Cross Blue Shield (BCBS) Plans
Plan Name Location
Member Survey Results
Plan Code
Overall plan satisfaction
Getting needed care
Getting care quickly
How well doctors
communicate Customer service
Claims processing
Plan Inforshymation on Costs
FFS National Average 805 927 917 951 911 934 716
Blue Cross and Blue Shield Service shy Standard Benefit Plan shy Basic
Arizona 10 11
851 747
905 898
919 884
933 923
938 914
969 928
724 680
Blue Cross and Blue Shield Service shy Standard Benefit Plan shy Basic
California 10 11
809 705
915 873
897 840
954 943
881 910
937 912
677 616
Blue Cross and Blue Shield Service shy Standard Benefit Plan shy Basic
District of Columbia 10 11
768 691
935 893
930 874
951 940
882 881
898 922
657 622
Blue Cross and Blue Shield Service shy Standard Benefit Plan shy Basic
Florida 10 11
864 806
942 916
922 894
952 947
934 916
954 937
733 660
Blue Cross and Blue Shield Service shy Standard Benefit Plan shy Basic
Illinois 10 11
861 796
933 912
934 881
955 950
901 936
972 938
712 653
Blue Cross and Blue Shield Service shy Standard Benefit Plan shy Basic
Maryland 10 11
857 770
931 897
917 898
954 940
897 921
956 967
713 666
Blue Cross and Blue Shield Service shy Standard Benefit Plan shy Basic
Texas 10 11
887 825
934 898
931 883
950 955
936 910
957 967
721 617
Blue Cross and Blue Shield Service shy Standard Benefit Plan shy Basic
Virginia 10 11
871 782
924 901
929 894
966 962
914 917
959 960
708 681
19
The tables on the following pages highlight selected features that may help you narrow your choice of health plans The tables do not show all of your possible outshyofshypocket costs All benefits are subject to the definitions limitations and exclusions set forth in each planrsquos Federal brochure which is the official statement of benefits available under the planrsquos contract with the Office of Personnel Management Always consult plan brochures before making your final decision
20
Appendix E FEHB Plan Comparison Charts
Health Maintenance Organization Plans and Plans Offering a PointshyofshyService Product
(Pages 22 through 59)
Health Maintenance Organization (HMO) ndash A Health Maintenance Organization provides care through a network of physicians and hospitals in particular geographic or service areas HMOs coordinate the health care service you receive and free you from completing paperwork or being billed for covered services Your eligibility to enroll in an HMO is determined by where you live or for some plans where you work bull The HMO provides a comprehensive set of services ndash as long as you use the doctors and hospitals affiliated with the HMO
HMOs charge a copayment for primary physician and specialist visits and sometimes a copayment for inshyhospital care bull Most HMOs ask you to choose a doctor or medical group as your primary care physician (PCP) Your PCP provides your
general medical care In many HMOs you must get authorization or a ldquoreferralrdquo from your PCP to see other providers The referral is a recommendation by your physician for you to be evaluated andor treated by a different physician or medical professional The referral ensures that you see the right provider for the care appropriate to your condition
bull Medical care from a provider not in the planrsquos network is not covered unless itrsquos emergency care or your plan has an arrangement with another plan
Plans Offering a PointshyofshyService (POS) Product ndash A PointshyofshyService plan is like having two plans in one ndash an HMO and an FFS plan A POS allows you and your family members to choose between using (1) a network of providers in a designated service area (like an HMO) or (2) OutshyofshyNetwork providers (like an FFS plan) When you use the POS network of providers you usually pay a copayment for services and do not have to file claims or other paperwork If you use nonshyHMO or nonshyPOS providers you pay a deductible coinsurance or the balance of the billed charge In any case your outshyofshypocket costs are higher and you file your own claims for reimbursement
The tables on the following pages highlight what you are expected to pay for selected features under each plan Always consult plan brochures before making your final decision
Primary careSpecialist office visit copay ndash Shows what you pay for each office visit to your primary care doctor and specialist Contact your plan to find out what providers it considers specialists
Hospital per stay deductible ndash Shows the amount you pay when you are admitted into a hospital
Prescription drugs ndash Prescription Drug Payment Levels shy Plans use terms such as Level (L I L II) or Tier (T1 T2) to show what you pay for generic or brand name prescription drugs The payment levels that plans use follow L I or Tier 1 includes generic drugs but may include some preferred brands L II or Tier 2 includes preferred brands and may include some generics L III or Tier 3 includes nonshypreferred brands other covered drugs and with some exceptions specialty drugs L IV or Tier 4 includes mostly preferred specialty drugs L V or Tier 5 generally includes nonshypreferred specialty drugs
Mail Order Discounts ndash If your plan has a Mail Order program (typically for maintenance drugs) and its response is ldquoYesrdquo in general its Mail Order program is superior to its retail pharmacy benefit (eg you obtain a greater quantity for less cost than retail pharmacy purchases) If your plan does not have a Mail Order program or it does not offer a superior benefit to retail pharmacy purchases the response will be ldquoNordquo
Member Survey Results ndash See Appendix D for a description
Temporary Continuation of Coverage (TCC) ndash Allows former tribal employees and formerly eligible family members to continue their FEHB coverage for a limited period Under TCC you pay the total monthly premium (enrolleersquos share plus the tribal employerrsquos share) plus a 2 administrative charge which equals 102 of Your Total Monthly Premium
Your maximum monthly premium is the maximum amount you will be expected to pay for your premium Your tribal employer may choose to pay a higher portion of your premium Please check with your tribal employer for exact rates
21
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Alabama
Aetna Value Planshy Most of Alabama 877shy459shy6604
Alaska
Aetna Value Planshy Most of Alaska 877shy459shy6604
Arizona
Aetna Value Planshy All of Arizona 877shy459shy6604
Aetna Open Access shyHighshy Phoenix and Tucson Areas 877shy459shy6604
Health Net of Arizona Inc shyHighshy MaricopaPimaOther AZ counties 800shy289shy2818
Health Net of Arizona Inc shyStdshy MaricopaPimaOther AZ counties 800shy289shy2818
Humana Health Plan Inc shyHighshy Phoenix 888shy393shy6765
Humana Health Plan Inc shyStdshy Phoenix 888shy393shy6765
Humana Health Plan Inc shyHighshy Tucson 888shy393shy6765
Humana Health Plan Inc shyStdshy Tucson 888shy393shy6765
Arkansas
Aetna Value Planshy Most of Arkansas 877shy459shy6604
QualChoice shyHighshy All of Arkansas 800shy235shy7017
QualChoice shyStdshy All of Arkansas 800shy235shy7017
F54 F55
JS4 JS5
G54 G55
WQ1 WQ2
A71 A72
A74 A75
BF1 BF2
BF4 BF5
C71 C72
C74 C75
F54 F55
DH1 DH2
DH4 DH5
13058 29656
17258 41140
12822 29119
33482 89188
26548 80303
19509 62476
13880 30882
12491 27794
15825 35210
13149 29256
13058 29656
30353 76056
14296 38452
53279 120995
61069 138677
52315 118808
77618 187686
70545 178623
63365 160440
56629 125999
50965 113400
59608 132629
53648 119367
53279 120995
74426 174291
58048 135935
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
22
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay
deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How
well
doctors
communicate
Customer
service
Claims
processing
Plan
Information
on
Costs
Alabama
Aetna Value Plan InshyNetwork $25$40 20 $10
HMOPOS Nationa
30to$60050 to$1200 Yes
l Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Alaska
Aetna Value Plan InshyNetwork
4040
$25$40
40
20
50+
$10
50+50+
30to$60050 to$1200
No
Yes Aetna Value Plan OutshyNetwork
Arizona
Aetna Value Plan InshyNetwork
4040
$25$40
40
20
50+
$10
50+50+
30to$60050 to$1200
No
Yes Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Health Net of Arizona IncshyHigh
Health Net of Arizona IncshyStandard
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
Arkansas
Aetna Value Plan InshyNetwork
4040
$20$35
$20$40
$25$50
$20$35
$25$40
$20$35
$25$40
$25$40
40
$250day x 4
$250dayx5
25
$250day x 3
$500day x 3
$250day x 3
$500day x 3
20
50+
$10
$10
$10
$10
$10
$10
$10
$10
50+50+
$35$100
$3050
$4050
$40$60
$40$60
$40$60
$40$60
30to$60050 to$1200
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
602
676
676
838
888
888
861
843
843
923
939
939
849
884
884
918
921
921
636
686
686
Aetna Value Plan OutshyNetwork
QualChoice InshyNetwork
QualChoice OutshyNetwork
QualChoice InshyNetwork
4040
$20$30
4040
$20$40
40
$100max$500
40
$200max$1000
50+
$0
NA
$5
50+50+
$40$60
NA
$40$60
No
Yes
NA
Yes
23
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
California
Aetna Value Planshy Most of California 877shy459shy6604
Aetna HMO shy Los Angeles and San Diego Areas 877shy459shy6604
Anthem Blue Cross Select HMO shyHighshy Southern California 800shy235shy8631
Blue Shield of CA Access+HMO shyHighshy Southern Region 800shy880shy8086
Health Net of California shyHighshy Northern Region 800shy522shy0088
Health Net of California shyStdshy Northern Region 800shy522shy0088
Health Net of California shyHighshy Southern Region 800shy522shy0088
Health Net of California shyStdshy Southern Region 800shy522shy0088
Kaiser Foundation Health Plan shy Basic Option shy Northern California 800shy464shy4000
Kaiser Foundation Health Plan of California shyHighshy Northern California 800shy464shy4000
Kaiser Foundation Health Plan of California shyStdshy Northern California 800shy464shy4000
Kaiser Foundation Health Plan of California shyHighshy Southern California 800shy464shy4000
Kaiser Foundation Health Plan of California shyStdshy Southern California 800shy464shy4000
UnitedHealthcare of California shyHighshy Central and Southern California 866shy546shy0510
UnitedHealthcare of California shyStdshy Central and Southern California 866shy546shy0510
Colorado
Aetna Value Planshy All of Colorado 877shy459shy6604
Kaiser Foundation Health Plan of Colorado shyHighshy DenverBoulderSouthern Colorado areas 800shy632shy9700
Kaiser Foundation Health Plan of Colorado shyStdshy DenverBoulderSouthern Colorado areas 800shy632shy9700
Connecticut
Aetna Value Planshy All of Connecticut 877shy459shy6604
Delaware
Aetna Value Planshy All of Delaware 877shy459shy6604
Aetna Open Access shyHighshy KentNew CastleSussex areas 877shy459shy6604
Aetna Open Access shyBasicshy KentNew CastleSussex areas 877shy459shy6604
JS4 JS5
2X1 2X2
B31 B32
SI1 SI2
LB1 LB2
LB4 LB5
LP1 LP2
LP4 LP5
KC1 KC2
591 592
594 595
621 622
624 625
CY1 CY2
CY4 CY5
G54 G55
651 652
654 655
EP4 EP5
EP4 EP5
P31 P32
P34 P35
17258 41140
15940 41769
18194 43825
18445 42566
77474 182834
71405 168807
30687 74663
27027 66198
18293 47705
35345 91275
22772 58183
14073 35293
9019 20845
22819 54699
13109 30036
12822 29119
23933 55581
9887 22345
12694 28827
12694 28827
64801 164359
49560 118027
61069 138677
59725 139319
62024 141416
62280 140132
122490 283205
116299 268898
74767 172871
71034 164236
62125 145373
79518 189815
66694 156061
57420 132713
36797 85048
66742 152507
53485 122549
52315 118808
67878 153407
40339 91170
51792 117616
51792 117616
109563 264361
94017 217102
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
24
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay
deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How
well
doctors
communicate
Customer
service
Claims
processing
Plan
Information
on
Costs
California
Aetna Value Plan InshyNetwork $25$40 20 $10
HMO
30to$60050 to$1200
POS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Anthem Blue Cross Select HMOshyHigh
Blue Shield of CA Access+HMOshyHigh
Health Net of CaliforniashyHigh
Health Net of CaliforniashyStandard
Health Net of CaliforniashyHigh
Health Net of CaliforniashyStandard
Kaiser Foundation HP shy Basic Option
Kaiser Foundation HP of CaliforniashyHigh
Kaiser Foundation HP of CaliforniashyStandard
Kaiser Foundation HP of CaliforniashyHigh
Kaiser Foundation HP of CaliforniashyStandard
UnitedHealthcare of CaliforniashyHigh
UnitedHealthcare of CaliforniashyStandard
Colorado
Aetna Value Plan InshyNetwork
4040
$20$35
$25$35
$20$30
$20$30
$30$50
$20$30
$30$50
$25$35
$15$25
$30$40
$15$25
$30$40
$20$35
$25$40
$25$40
40
$250day x 4
$250max4days
$200 x 3 days
$150dayx5
$750
$150dayx5
$750
20
$250
$500
$250
$500
$150day x 4
30
20
50+
$10
$5$40$60
$10
$10
$15
$10
$15
$15
$10
$15
$10
$15
$10
$10
$10
50+50+
$35$100
$5$40$70$60
$3550
$35$60
$35$65
$35$60
$35$65
$35$35
$30$30
$35$35
$30$30
$35$35
$35$60
$25$50
30to$60050 to$1200
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
579
726
67
67
67
67
798
798
833
833
701
701
766
844
816
816
816
816
884
884
828
828
80
80
781
802
81
81
81
81
848
848
807
807
804
804
896
937
93
93
93
93
925
925
932
932
923
923
769
90
831
831
831
831
872
872
878
878
825
825
849
855
841
841
841
841
793
793
771
771
889
889
648
646
638
638
638
638
63
63
687
687
57
57
Aetna Value Plan OutshyNetwork
Kaiser Foundation HP of ColoradoshyHigh
Kaiser Foundation HP of ColoradoshyStandard
Connecticut
Aetna Value Plan InshyNetwork
4040
$20$40
$20$40
$25$40
40
$250x3
10
20
50+
$10
$15
$10
50+50+
$35$60
$40$80
30to$60050 to$1200
No
Yes
Yes
Yes
722
722
884
884
873
873
936
936
876
876
879
879
622
622
Aetna Value Plan OutshyNetwork
Delaware
Aetna Value Plan InshyNetwork
4040
$25$40
40
20
50+
$10
50+50+
30to$60050 to$1200
No
Yes Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Aetna Open AccessshyBasic
4040
$20$35
$15$35
40
$250day x 4
20 Plan Allow
50+
$10
$5
50+50+
$35$100
$35$100
No
Yes
Yes
602
602
862
862
855
855
972
972
865
865
872
872
618
618
25
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
District of Columbia
Aetna Value Plan shy All of Washington DC
Aetna Open Access shyHighshy Washington DC Area
Aetna Open Access shyBasicshy Washington DC Area
CareFirst BlueChoice shyHighshy Washington DC Metro Area
CareFirst BlueChoice shyStdshy Washington DC Metro Area
Kaiser Foundation Health Plan MidshyAtlantic States shyHighshy Washington DC area
Kaiser Foundation Health Plan MidshyAtlantic States shyStdshy Washington DC area
MD IPA shyHighshy Washington DC area
Florida
Aetna Value Plan shy Most of Florida
AvMed Health Plans shyHighshy Broward Dade and Palm Beach
AvMed Health Plans shyStdshy Broward Dade and Palm Beach
Capital Health Plan shyHighshy Tallahassee area
Coventry Health Plan of Florida shyHighshy Southern Florida
Coventry Health Plan of Florida shyStdshy Southern Florida
Humana Value Plan shy Tampa Area
Humana Value Plan shy South Florida Area
Humana Medical Plan Inc shyHighshy Orlando
Humana Medical Plan Inc shyStdshy Orlando
Humana Medical Plan Inc shyHighshy South Florida
Humana Medical Plan Inc shyStdshy South Florida
Humana Medical Plan Inc shyHighshy Daytona
Humana Medical Plan Inc shyStdshy Daytona
Humana Medical Plan Inc shyHighshy Tampa
Humana Medical Plan Inc shyStdshy Tampa
877shy459shy6604
877shy459shy6604
877shy459shy6604
888shy789shy9065
888shy789shy9065
877shy574shy3337
877shy574shy3337
877shy835shy9861
877shy459shy6604
800shy882shy8633
800shy882shy8633
850shy383shy3311
800shy441shy5501
800shy441shy5501
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
F54 F55
JN1 JN2
JN4 JN5
2G1 2G2
2G4 2G5
E31 E32
E34 E35
JP1 JP2
F54 F55
ML1 ML2
ML4 ML5
EA1 EA2
5E1 5E2
5E4 5E5
MJ4 MJ5
QP4 QP5
E21 E22
E24 E25
EE1 EE2
EE4 EE5
EX1 EX2
EX4 EX5
LL1 LL2
LL4 LL5
13058 29656
46867 105610
14021 31351
21177 48693
15284 35429
16926 42124
9646 22186
20245 50123
13058 29656
20336 56279
12604 30253
11679 30949
16664 47450
12501 30003
10247 22697
10247 22697
13149 29256
11834 26331
23153 51514
15825 35210
13880 30882
12491 27794
48720 108398
15825 35208
53279 120995
91271 204437
57208 127913
65067 146381
59056 132852
60731 139681
39358 90520
64116 147840
53279 120995
64209 154119
51424 123431
47650 126273
60464 145113
51005 122414
41809 92606
41809 92606
53648 119367
48282 107430
67082 149259
59608 132629
56629 125999
50965 113400
93161 207280
59608 132627
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
26
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay
deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How
well
doctors
communicate
Customer
service
Claims
processing
Plan
Information
on
Costs
District of Columbia
Aetna Value Plan InshyNetwork $25$40 20 $10
HMOPOS Nationa
30to$60050 to$1200 Yes
l Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Aetna Open AccessshyBasic
CareFirst BlueChoiceshyHigh
CareFirst BlueChoice InshyNetwork
4040
$15$30
$20$35
$25$35
Nothing$35
40
$150day x3
10 Plan Allow
$200
$200
50+
$5
$10
Nothing
Nothing
50+50+
$35$100
$35$100
$35$65
$35$65
No
Yes
Yes
Yes
Yes
69
69
648
648
844
844
86
86
872
872
833
833
942
942
925
925
865
865
846
846
914
914
902
902
567
567
54
54 CareFirst BlueChoice OutshyNetwork
Kaiser Foundation HP MidshyAtlantic StatesshyHigh
Kaiser Foundation HP MidshyAtlantic StatesshyStandard
MD IPAshyHigh
Florida
Aetna Value Plan InshyNetwork
$70$70
$10$20
$20$30
$25$40
$25$40
$500
$100
$250dayx3
$150day x 3
20
Nothing
$7$17 Net
$12$22Net
$7
$10
$35$65
$30$50$45$65
$35$55$50$70
$30$60
30to$60050 to$1200
Yes
Yes
Yes
Yes
Yes
83
83
583
867
867
846
831
831
876
927
927
937
813
813
867
836
836
841
702
702
677
Aetna Value Plan OutshyNetwork
AvMed Health PlansshyHigh
AvMed Health PlansshyStandard
Capital Health PlanshyHigh
Coventry Health Plan of FloridashyHigh
Coventry Health Plan of FloridashyStandard
Humana Value Plan InshyNetwork
4040
$15$40
$25$45
Nothing$15
$15$30
$20$50
$35$55
40
$250dayx3
$300dayx3
$250
Ded + $150x3
Ded + $150x5
20
50+
$5
$10
$15 Tier 1
$3$20
$3$10
$10
50+50+
$30$5030
$40$6030
$40$6020
$50$7020
$40$60
$30 Tier 2 $50 Tier 3
No
No
No
No
No
No
Yes
746
746
855
514
514
877
877
905
808
808
847
847
905
764
764
957
957
953
921
921
919
919
938
827
827
87
87
946
783
783
68
68
755
535
535
Humana Value Plan OutshyNetwork
Humana Value Plan InshyNetwork
5050
$35$55
50
20
$10+
$10
$40+$60+
$40$60
No
Yes Humana Value Plan OutshyNetwork
Humana Medical Plan IncshyHigh
Humana Medical Plan IncshyStandard
Humana Medical Plan IncshyHigh
Humana Medical Plan IncshyStandard
Humana Medical Plan IncshyHigh
Humana Medical Plan IncshyStandard
Humana Medical Plan IncshyHigh
Humana Medical Plan IncshyStandard
5050
$20$35
$25$40
$20$35
$25$40
$20$35
$25$40
$20$35
$25$40
50
$250day x 3
$500day x 3
$250day x 3
$500day x 3
$250day x 3
$500day x 3
$250day x 3
$500day x 3
$10+
$10
$10
$10
$10
$10
$10
$10
$10
$40+$60+
$40$60
$40$60
$40$60
$40$60
$40$60
$40$60
$40$60
$40$60
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
529
529
86
86
824
824
937
937
846
846
843
843
687
687
27
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Georgia
Aetna Value Planshy All of Georgia
Aetna Open Access shyHighshy Atlanta and Athens Areas
Humana Value Plan shy Atlanta Area
Humana Value Plan shy Macon Area
Humana Employers Health of Georgia Inc shyHighshy Columbus
Humana Employers Health of Georgia Inc shyStdshy Columbus
Humana Employers Health of Georgia Inc shyHighshy Atlanta
Humana Employers Health of Georgia Inc shyStdshy Atlanta
Humana Employers Health of Georgia Inc shyHighshy Macon
Humana Employers Health of Georgia Inc shyStdshy Macon
Kaiser Foundation Health Plan of Georgia shyHighshy Atlanta AthensColumbusMaconSavannah
Kaiser Foundation Health Plan of Georgia shyStdshy Atlanta AthensColumbusMaconSavannah
Guam
Calvos Selectcare shyHighshy Guam Northern Mariana Islands Palau
TakeCare shyHighshy GuamNMarianaIslandsBelau(Palau)
TakeCare shyStdshy GuamNMarianaIslandsBelau(Palau)
Hawaii Aetna Value Planshy All of Hawaii
HMSA shyHighshy All of Hawaii
Kaiser Foundation Health Plan of Hawaii shyHighshy HawaiiKauaiLanaiMauiMolokaiOahu
Kaiser Foundation Health Plan of Hawaii shyStdshy HawaiiKauaiLanaiMauiMolokaiOahu
877shy459shy6604
877shy459shy6604
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy865shy5813
888shy865shy5813
671 479shy7982
671shy647shy3526
671shy647shy3526
877shy459shy6604
800shy776shy4672
808shy432shy5955
808shy432shy5955
F54 F55
2U1 2U2
AD4 AD5
LM4 LM5
CB1 CB2
CB4 CB5
DG1 DG2
DG4 DG5
DN1 DN2
DN4 DN5
F81 F82
F84 F85
B41 B42
JK1 JK2
JK4 JK5
JS4 JS5
871 872
631 632
634 635
13058 29656
44133 104232
10247 22697
10247 22697
15825 35210
13880 30882
15825 35210
13149 29256
15825 35210
13880 30882
15015 36863
10047 22957
11949 31399
12447 36018
10209 26960
17258 41140
11377 25325
14515 32578
7553 16846
53279 120995
88482 203031
41809 92606
41809 92606
59608 132629
56629 125999
59608 132629
53648 119367
59608 132629
56629 125999
58782 134315
40991 93667
48751 128109
50786 133453
41654 109996
61069 138677
46419 103326
58272 129944
30818 68731
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
28
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay
deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How
well
doctors
communicate
Customer
service
Claims
processing
Plan
Information
on
Costs
Georgia
Aetna Value Plan InshyNetwork $25$40 20 $10
HMOP
30to$60050 to$1200
OS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Humana CoverageFirst InshyNetwork
4040
$20$35
$35$55
40
$250day x 4
20
50+
$10
$10
50+50+
$35$100
$40$60
No
Yes
Yes
59 90 878 941 86 857 62
Humana CoverageFirst OutshyNetwork
Humana CoverageFirst InshyNetwork
5050
$35$55
50
20
$10+
$10
$40+$60+
$40$60
No
Yes Humana CoverageFirst OutshyNetwork
Humana Employers Health of Georgia shyHigh
Humana Employers Health of Georgia shyStandard
Humana Employers Health of Georgia shyHigh
Humana Employers Health of Georgia shyStandard
Humana Employers Health of Georgia shyHigh
Humana Employers Health of Georgia shyStandard
Kaiser Foundation HP of GeorgiashyHigh
Kaiser Foundation HP of GeorgiashyStandard
Guam
Calvos Selectcare InshyNetwork
5050
$20$35
$25$40
$20$35
$25$40
$20$35
$25$40
$15$30
$20$35
$15$40
50
$250day x 3
$500day x 3
$250day x 3
$500day x 3
$250day x 3
$500day x 3
$250dayx3
$250dayx3
$200
$10+
$10
$10
$10
$10
$10
$10
$10$20 Comm
$15$25 Comm
$10
$40+$60+
$40$60
$40$60
$40$60
$40$60
$40$60
$40$60
$2550 of AWP
$40$50 Comm $40$50 Comm
$40$50 Comm $40$50 Comm
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
514
794
794
883
845
845
837
85
85
941
935
935
859
884
884
849
839
839
556
625
625
Calvos Selectcare OutshyNetwork
TakeCareshyHigh
TakeCareshyStandard
Hawaii Aetna Value Plan InshyNetwork
3030
$5 at FHP$40
$5 at FHP$40
$25$40
30
$100day for 5
$150day for 5
20
NA
$10
$15
$10
NA
$25$50
$40$80
30to$60050 to$1200
NA
Yes
Yes
Yes
687
687
669
669
686
686
904
904
792
792
786
786
571
571
Aetna Value Plan OutshyNetwork
HMSA InshyNetwork
4040
$15$15
40
$100
50+
$7
50+50+
$30$65
No
Yes 842 914 884 955 878 931 628 HMSA OutshyNetwork
Kaiser Foundation HP of HawaiishyHigh
Kaiser Foundation HP of HawaiishyStandard
3030
$20$20
$30$30
30
$100
10
$7 + 20
$10
$15
$45$45
$50$50
$30 + 20 $65 + 20 No
Yes
Yes
754
754
826
826
815
815
94
94
875
875
811
811
613
613
29
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Idaho
Aetna Value Planshy Most of Idaho 877shy459shy6604
Altius Health Plans shyHighshy Southern Region 800shy377shy4161
Altius Health Plans shyStdshy Southern Region 800shy377shy4161
Group Health Cooperative shyHighshy most of Washington StateampNorthern Idaho 888shy901shy4636
Group Health Cooperative shyStdshy most of Washington StateampNorthern Idaho 888shy901shy4636
SelectHealth shyHighshy Utah Idaho 801shy442shy7497
SelectHealth shyStdshy Utah Idaho 801shy442shy7497
Illinois
Aetna Value Planshy Most of Illinois 877shy459shy6604
Blue Cross and Blue Shield of Illinois shyHighshy Illinois 855shy676shy4482
Blue Preferred Plus POS shyHighshy Madison and St Clair counties 888shy811shy2092
Health Alliance HMO shyHighshy CentralECentralNCentSouthWest Ill 800shy851shy3379
Health Alliance HMO shyStdshy CentralECentralNCentSouthWest Ill 800shy851shy3379
Humana Benefit Plan of Illinois Inc shyHighshy Central and Northwestern Illinois 888shy393shy6765
Humana Benefit Plan of Illinois Inc shyStdshy Central and Northwestern Illinois 888shy393shy6765
Humana Value Plan shy Central Illinois 888shy393shy6765
Humana Value Plan shy Chicago Area 888shy393shy6765
Humana Health Plan Inc shyHighshy Chicago 888shy393shy6765
Humana Health Plan Inc shyStdshy Chicago 888shy393shy6765
Union Health Service shyHighshy Chicago area 312shy423shy4200
United Healthcare of the Midwest Inc shyHighshy Southwest Illinois 877shy835shy9861
UnitedHealthcare Plan of the River Valley Inc shyHighshy West Central Illinois 800shy747shy1446
H44 H45
9K1 9K2
DK4 DK5
541 542
544 545
SF1 SF2
SF4 SF5
H44 H45
A21 A22
9G1 9G2
FX1 FX2
K84 K85
9F1 9F2
AB4 AB5
GB4 GB5
MW4 MW5
751 752
754 755
761 762
B91 B92
YH1 YH2
13093 29732
19819 42542
11798 25954
27070 55009
11742 26509
19210 43095
12435 27741
13093 29732
30483 71121
32158 67069
26932 67294
20323 51891
51805 115264
15825 35210
10247 22697
10247 22697
40638 90413
15825 35210
14109 33787
33072 74273
14091 38330
53418 121307
63682 140107
48136 105894
71078 152824
47908 108156
63060 140671
50737 113183
53418 121307
74559 169258
76267 165125
70937 165354
64196 149643
96307 214284
59608 132629
41809 92606
41809 92606
84917 188936
59608 132629
57566 131177
77200 172473
57491 135811
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
30
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay
deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
6
Getting needed
care
Getting care
quickly
How
well
doctors
communicate
Customer
service
Claims
processing
Plan
Information
on
Costs
Idaho
Aetna Value Plan InshyNetwork $25$40 20 $10
HMO
30to$60050 to$1200
POS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Altius Health PlansshyHigh
Altius Health PlansshyStandard
Group Health CooperativeshyHigh
Group Health CooperativeshyStandard
SelectHealthshyHigh
SelectHealthshyStandard
Illinois
Aetna Value Plan InshyNetwork
4040
$20$30
$20$40
$25$25
$25$35
$15$25
$20$30
$25$40
40
$200
None
$350
$500
$100
$100 after
20
50+
$7
$7
$20
$20
$5 $25$50
$5
$10
50+50+
$25$50
$35$60
$40$60
$40$60
$25$50$50
$25$50
30to$60050 to$1200
No
No
None
Yes
Yes
Yes
Yes
Yes
552
552
659
659
629
629
852
852
86
86
876
876
813
813
869
869
851
851
948
948
941
941
958
958
883
883
912
912
912
912
895
895
881
881
903
903
588
588
692
692
64
64
Aetna Value Plan OutshyNetwork
Blue Cross and Blue Shield of IllinoisshyHigh
Blue Preferred Plus POS InshyNetwork
4040
$20$35
$25$35
40
$200day x 5
$500
50+
$10 copay
$5
50+50+
$40$60
$40$6025 $6025
No
Yes
Yes 647 891 861 961 84 864 685 Blue Preferred Plus POS OutshyNetwork
Health Alliance HMOshyHigh
Health Alliance HMOshyStandard
Humana Benefit Plan of Illinois IncshyHigh
Humana Benefit Plan of Illinois IncshyStandard
Humana Value Plan InshyNetwork
30 after ded
$25$50
$25$50
$20$35
$25$40
$35$55
30 after ded
$200day x 5
20
$250day x 3
$500day x 3
20
NA
$7
$7
$10
$10
$10
NA
$35$70
$35$70
$40$60
$40$60
$40$60
NA
Yes
Yes
Yes
Yes
Yes
745 915 88 962 878 868 67
Humana Value Plan OutshyNetwork
Humana CoverageFirst InshyNetwork
5050
$35$55
50
20
$10+
$10
$40+$60+
$40$60
No
Yes Humana CoverageFirst OutshyNetwork
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
Union Health ServiceshyHigh
United Healthcare of the Midwest IncshyHigh
UnitedHealthcare Plan of the River Valley shyHigh
5050
$20$35
$25$40
$15$15
$25$40
$25$50
50
$250day x 3
$500day x 3
None
$450
20
$10+
$10
$10
$10
$7
$10
$40+$60+
$40$60
$40$60
$35$60
$30$60
$35$50
No
Yes
Yes
Yes
Yes
Yes
647
647
665
577
822
822
919
896
788
788
902
86
943
943
957
956
859
859
892
914
834
834
898
918
66
66
732
623
31
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Indiana
Aetna Value Planshy All of Indiana 877shy459shy6604
Health Alliance HMO shyHighshy Western Indiana 800shy851shy3379
Health Alliance HMO shyStdshy Western Indiana 800shy851shy3379
Humana Value Plan shy LakePorterLaPorte Counties 888shy393shy6765
Humana Health Plan of Ohio shyHighshy Portions of Indiana 888shy393shy6765
Humana Health Plan of Ohio shyStdshy Portions of Indiana 888shy393shy6765
Humana Health Plan Inc shyHighshy LakePorterLaPorte Counties 888shy393shy6765
Humana Health Plan Inc shyStdshy LakePorterLaPorte Counties 888shy393shy6765
Humana Health Plan Inc shyHighshy Southern Indiana 888shy393shy6765
Humana Health Plan Inc shyStdshy Southern Indiana 888shy393shy6765
Physicians Health Plan of Northern Indiana shyHighshy Northeast Indiana 260shy432shy6690
Iowa
Aetna Value Planshy All of Iowa 877shy459shy6604
Coventry Health Care of Iowa shyHighshy CentralEasternWestern Iowa 800shy257shy4692
Coventry Health Care of Iowa shyStdshy CentralEasternWestern Iowa 800shy257shy4692
Health Alliance HMO shyHighshy Central and Eastern Iowa 800shy851shy3379
Health Alliance HMO shyStdshy Central and Eastern Iowa 800shy851shy3379
HealthPartners High Option shyNorthern Iowa 800shy883shy2177
HealthPartners Standard Option shyNorthern Iowa 800shy883shy2177
Sanford Health Plan shyHighshy Northwestern Iowa 800shy752shy5863
Sanford Health Plan shyStdshy Northwestern Iowa 800shy752shy5863
UnitedHealthcare Plan of the River Valley Inc shyHighshy Eastern and Central Iowa 800shy747shy1446
JS4 JS5
FX1 FX2
K84 K85
MW4 MW5
A61 A62
A64 A65
751 752
754 755
MH1 MH2
MH4 MH5
DQ1 DQ2
H44 H45
SV1 SV2
SY4 SY5
FX1 FX2
K84 K85
V31 V32
V34 V35
AU1 AU2
AU4 AU5
YH1 YH2
17258 41140
26932 67294
20323 51891
10247 22697
13880 30882
12491 27794
40638 90413
15825 35210
15825 35210
13880 30882
30786 68557
13093 29732
13351 31376
9799 23027
26932 67294
20323 51891
26865 64982
8897 20464
26173 63455
23647 57594
14091 38330
61069 138677
70937 165354
64196 149643
41809 92606
56629 125999
50965 113400
84917 188936
59608 132629
59608 132629
56629 125999
74868 166643
53418 121307
54474 128016
39979 93951
70937 165354
64196 149643
70869 162996
36302 83494
70163 161438
67586 155460
57491 135811
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
32
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay
deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How
well
doctors
communicate
Customer
service
Claims
processing
Plan
Information
on
Costs
Indiana
Aetna Value Plan InshyNetwork $25$40 20 $10
HMO
30to$60050 to$1200
POS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Health Alliance HMOshyHigh
Health Alliance HMOshyStandard
Humana Value Plan InshyNetwork
4040
$25$50
$25$50
$35$55
40
$200day x 5
20
20
50+
$7
$7
$10
50+50+
$35$70
$35$70
$40$60
No
Yes
Yes
Yes
745 915 88 962 878 868 67
Humana Value Plan OutshyNetwork
Humana Health Plan of OhioshyHigh
Humana Health Plan of OhioshyStandard
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
Physicians Health Plan of Northern IndianashyHigh
Iowa
Aetna Value Plan InshyNetwork
5050
$20$35
$25$40
$20$35
$25$40
$20$35
$25$40
$15$15
$25$40
50
$250day x 3
$500day x 3
$250day x 3
$500day x 3
$250day x 3
$500day x 3
20
20
$10+
$10
$10
$10
$10
$10
$10
$10
$10
$40+$60+
$40$60
$40$60
$40$60
$40$60
$40$60
$40$60
$25$50
30to$60050 to$1200
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
647
647
562
822
822
878
788
788
815
943
943
934
859
859
868
834
834
893
66
66
593
Aetna Value Plan OutshyNetwork
Coventry Health Care of IowashyHigh
Coventry Health Care of IowashyStandard
Health Alliance HMOshyHigh
Health Alliance HMOshyStandard
HealthPartners High Option
HealthPartners Standard Option
Sanford Health Plan InshyNetwork
4040
$25$50
$25$50
$25$50
$25$50
$25$45
$0 for 3 then 20
$20$30
40
20
20
$200day x 5
20
Nothing
20 in40 out
$100day x 5
50+
$3 $10
$3 $10
$7
$7
$12
$9
$15
50+50+
$45$70$100
30$5000 Max
$35$70
$35$70
$45$90
$40$70
$30$50
No
Yes
No
Yes
Yes
Yes
Yes
NA
562
562
745
647
647
535
905
905
915
893
893
903
888
888
88
875
875
89
964
964
962
951
951
977
837
837
878
92
92
902
903
903
868
911
911
912
652
652
67
725
725
558 Sanford Health Plan OutshyNetwork
Sanford Health Plan InshyNetwork
4040
$25$25
40
$100day x 5
40+
$15
40+40+
$30$50
NA
NA 535 903 89 977 902 912 558 Sanford Health Plan OutshyNetwork
UnitedHealthcare Plan of the River Valley shyHigh
40+40+
$25$50
40+
20
40+
$10
40+40+
$35$50
NA
Yes 577 896 86 956 914 918 623
33
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Kansas
Aetna Value Planshy Most of Kansas
Aetna Open Access shyHighshy Kansas City area
Coventry Health Care of Kansas shyHighshy Kansas City Metro Area (KS and MO)
Coventry Health Care of Kansas shyStdshy Kansas City Metro Area (KS and MO)
Humana Value Plan shy Kansas City Area
Humana Health Plan Inc shyHighshy Kansas City
Humana Health Plan Inc shyStdshy Kansas City
Kentucky
Aetna Value Planshy Most of Kentucky
Humana Health Plan of Ohio shyHighshy Portions of Kentucky
Humana Health Plan of Ohio shyStdshy Portions of Kentucky
Humana Health Plan Inc shyHighshy Louisville
Humana Health Plan Inc shyStdshy Louisville
Humana Health Plan Inc shyHighshy Lexington
Humana Health Plan Inc shyStdshy Lexington
Louisiana
Aetna Value Planshy Most of Louisiana
Coventry Health Care of Louisiana shyHighshy New Orleans Area
Coventry Health Care of Louisiana shyStdshy New Orleans Area
Humana Health Benefit Plan of Louisiana Inc shyHighshy Baton Rouge
Humana Health Benefit Plan of Louisiana Inc shyStdshy Baton Rouge
Humana Health Benefit Plan of Louisiana Inc shyHighshy New Orleans
Humana Health Benefit Plan of Louisiana Inc shyStdshy New Orleans
877shy459shy6604
877shy459shy6604
800shy969shy3343
800shy969shy3343
888shy393shy6765
888shy393shy6765
888shy393shy6765
877shy459shy6604
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
877shy459shy6604
800shy341shy6613
800shy341shy6613
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
G54 G55
HY1 HY2
HA1 HA2
HA4 HA5
PH4 PH5
MS1 MS2
MS4 MS5
H44 H45
A61 A62
A64 A65
MH1 MH2
MH4 MH5
MI1 MI2
MI4 MI5
F54 F55
BJ1 BJ2
BJ4 BJ5
AE1 AE2
AE4 AE5
BC1 BC2
BC4 BC5
12822 29119
13777 50039
13519 32270
12568 29535
10247 22697
62521 139111
15825 35210
13093 29732
13880 30882
12491 27794
15825 35210
13880 30882
19459 43292
13880 30882
13058 29656
19208 48754
13035 30271
15825 35210
13149 29256
13880 30882
12491 27794
52315 118808
55396 147754
55160 129630
51276 120503
41809 92606
107238 238608
59608 132629
53418 121307
56629 125999
50965 113400
59608 132629
56629 125999
63314 140872
56629 125999
53279 120995
63058 146443
53182 123506
59608 132629
53648 119367
56629 125999
50965 113400
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
34
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay
deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How
well
doctors
communicate
Customer
service
Claims
processing
Plan
Information
on
Costs
Kansas
Aetna Value Plan InshyNetwork $25$40 20 $10
HMO
30to$60050 to$1200
POS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Coventry Health Care of KansasshyHigh
Coventry Health Care of KansasshyStandard
Humana CoverageFirst InshyNetwork
4040
$20$35
$30$60
$30$60
$35$55
40
$250day x 4
25
30
20
50+
$10
$3 $12
$3 $12
$10
50+50+
$35$100
$50$75
$5020
$40$60
No
Yes
Yes
Yes
Yes
639
602
602
862
906
906
862
88
88
94
96
96
838
894
894
901
884
884
538
663
663
Humana CoverageFirst OutshyNetwork
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
Kentucky
Aetna Value Plan InshyNetwork
5050
$20$35
$25$40
$25$40
50
$250day x 3
$500day x 3
20
$10+
$10
$10
$10
$40+$60+
$40$60
$40$60
30to$60050 to$1200
No
Yes
Yes
Yes
676
676
903
903
901
901
951
951
881
881
918
918
729
729
Aetna Value Plan OutshyNetwork
Humana Health Plan of OhioshyHigh
Humana Health Plan of OhioshyStandard
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
Louisiana
Aetna Value Plan InshyNetwork
4040
$20$35
$25$40
$20$35
$25$40
$20$35
$25$40
$25$40
40
$250day x 3
$500day x 3
$250day x 3
$500day x 3
$250day x 3
$500day x 3
20
50+
$10
$10
$10
$10
$10
$10
$10
50+50+
$40$60
$40$60
$40$60
$40$60
$40$60
$40$60
30to$60050 to$1200
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes Aetna Value Plan OutshyNetwork
Coventry Health Care of LouisianashyHigh
Coventry Health Care of LouisianashyStandard
Humana Health Benefit Plan of LA shyHigh
Humana Health Benefit Plan of LA shyStandard
Humana Health Benefit Plan of LA shyHigh
Humana Health Benefit Plan of LA shyStandard
4040
$25$45
$30$55
$20$35
$35$40
$20$35
$35$40
40
Ded+$100
Ded+30
$250day x 3
$500day x 3
$250day x 3
$500day x 3
50+
$5
$5
$10
$10
$10
$10
50+50+
$40$100
$40$100
$40$60
$40$60
$40$60
$40$60
No
Yes
Yes
Yes
Yes
Yes
Yes
573
573
874
874
823
823
968
968
831
831
827
827
625
625
35
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Maine
Aetna Value Planshy All of Maine 877shy459shy6604
Maryland
Aetna Value Planshy All of Maryland 877shy459shy6604
Aetna Open Access shyHighshy NorthernCentralSouthern Maryland Areas 877shy459shy6604
Aetna Open Access shyBasicshy NorthernCentralSouthern Maryland Areas 877shy459shy6604
CareFirst BlueChoice shyHighshy All of Maryland 888shy789shy9065
CareFirst BlueChoice shyStdshy All of Maryland 888shy789shy9065
Coventry Health Care shyHighshy All of Maryland 800shy833shy7423
Coventry Health Care shyStdshy All of Maryland 800shy833shy7423
Kaiser Foundation Health Plan MidshyAtlantic States shyHighshy BaltimoreWashington DC areas 877shy574shy3337
Kaiser Foundation Health Plan MidshyAtlantic States shyStdshy BaltimoreWashington DC areas 877shy574shy3337
MD IPA shyHighshy All of Maryland 877shy835shy9861
Massachusetts
Aetna Value Planshy Most of Massachusetts 877shy459shy6604
Fallon Community Health Plan shyBasicshy CentralEastern Massachusetts 800shy868shy5200
EP4 EP5
F54 F55
JN1 JN2
JN4 JN5
2G1 2G2
2G4 2G5
IG1 IG2
IG4 IG5
E31 E32
E34 E35
JP1 JP2
EP4 EP5
JG1 JG2
12694 28827
13058 29656
46867 105610
14021 31351
21177 48693
15284 35429
14998 37685
13265 30509
16926 42124
9646 22186
20245 50123
12694 28827
29337 80043
51792 117616
53279 120995
91271 204437
57208 127913
65067 146381
59056 132852
58764 135153
54121 124479
60731 139681
39358 90520
64116 147840
51792 117616
73390 178358
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
36
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay
deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How
well
doctors
communicate
Customer
service
Claims
processing
Plan
Information
on
Costs
Maine
Aetna Value Plan InshyNetwork $25$40 20 $10
HMO
30to$60050 to$1200
POS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Maryland
Aetna Value Plan InshyNetwork
4040
$25$40
40
20
50+
$10
50+50+
30to$60050 to$1200
No
Yes Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Aetna Open AccessshyBasic
CareFirst BlueChoiceshyHigh
CareFirst BlueChoice InshyNetwork
4040
$15$30
$20$35
$25$35
Nothing$35
40
$150day x3
10 Plan Allow
$200
$200
50+
$5
$10
Nothing
Nothing
50+50+
$35$100
$35$100
$35$65
$35$65
No
Yes
Yes
Yes
Yes
69
69
648
648
844
844
86
86
872
872
833
833
942
942
925
925
865
865
846
846
914
914
902
902
567
567
54
54 CareFirst BlueChoice OutshyNetwork
Coventry Health CareshyHigh
Coventry Health CareshyStandard
Kaiser Foundation HP MidshyAtlantic StatesshyHigh
Kaiser Foundation HP MidshyAtlantic StatesshyStandard
MD IPAshyHigh
Massachusetts
Aetna Value Plan InshyNetwork
$70$70
$20$40
$20$40
$10$20
$20$30
$25$40
$25$40
$500
$200day x 3
$200day x 3
$100
$250dayx3
$150day x 3
20
Nothing
$3$15
$3$15
$7$17 Net
$12$22Net
$7
$10
$35$65
$30$60
$30$60
$30$50$45$65
$35$55$50$
$30$60
30to$60050 to$1200
Yes
Yes
Yes
Yes
70 Yes
Yes
Yes
563
563
83
83
583
864
864
867
867
846
864
864
831
831
876
969
969
927
927
937
892
892
813
813
867
871
871
836
836
841
606
606
702
702
677
Aetna Value Plan OutshyNetwork
Fallon Community Health PlanshyBasic
4040
$25$35
40
$150to$750max
50+
$10
50+50+
$30$60
No
Yes 627 851 882 929 883 801 649
37
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Michigan
Aetna Value Planshy All of Michigan 877shy459shy6604
Bluecare Network of MI shyHighshy East Region 800shy662shy6667
Bluecare Network of MI shyHighshy Southeast Region 800shy662shy6667
Grand Valley Health Plan shyHighshy Grand Rapids area 616shy949shy2410
Grand Valley Health Plan shyStdshy Grand Rapids area 616shy949shy2410
Health Alliance Plan shyHighshy Southeastern MichiganFlint Area 800shy556shy9765
Health Alliance Plan shyStdshy Southeastern MichiganFlint Area 800shy556shy9765
HealthPlus of MI shyHighshy East Michigan 800shy332shy9161
Total Health Care USA shyHighshy Michigan 800shy826shy2862
Minnesota
Aetna Value Planshy Most of Minnesota 877shy459shy6604
HealthPartners High Option shy Minnesota 800shy883shy2177
HealthPartners Standard Option shy Minnesota 800shy883shy2177
Mississippi Aetna Value Planshy Most of Mississippi 877shy459shy6604
G54 G55
K51 K52
LX1 LX2
RL1 RL2
RL4 RL5
521 522
GY4 GY5
X51 X52
A51 A52
H44 H45
V31 V32
V34 V35
H44 H45
12822 29119
22055 52593
18055 50747
24184 61492
19656 50897
20111 55722
16974 48191
13915 49809
13670 50117
13093 29732
26865 64982
8897 20464
13093 29732
52315 118808
65962 150359
61882 148476
68134 159436
63515 148629
63980 153551
60780 145869
56775 147520
55776 147834
53418 121307
70869 162996
36302 83494
53418 121307
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
38
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How well
doctors
communicate
Customer
service
Claims
processing
Plan Inform
ation
on Costs
Michigan
Aetna Value Plan InshyNetwork $25$40 20 $10
HMOP
30to$60050 to$1200
OS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Bluecare Network of MIshyHigh
Bluecare Network of MIshyHigh
Grand Valley Health PlanshyHigh
Grand Valley Health PlanshyStandard
Health Alliance PlanshyHigh
Health Alliance PlanshyStandard
HealthPlus of MIshyHigh
Total Health Care USAshyHigh
Minnesota
Aetna Value Plan InshyNetwork
4040
$15$25
$15$25
$10$10
$20$20
$10$20
$15$30
$10$20
$15$15
$25$40
40
Nothing
Nothing
Nothing
$500x3
Nothing
Nothing
None
None
20
50+
$10
$10
$5
$10
$5
$15
$0$8
$10
$10
50+50+
$30$60
$30$60
$15$15
NA$40
$50$50
$50$50
$40$60
$40$40
30to$60050 to$1200
No
Yes
Yes
No
No
Yes
Yes
Yes
Yes
Yes
651
651
742
742
793
793
793
899
899
90
90
888
888
919
875
875
912
912
862
862
92
933
933
952
952
943
943
951
884
884
883
883
899
899
946
937
937
836
836
902
902
919
672
672
795
795
656
656
658
Aetna Value Plan OutshyNetwork
HealthPartners High Option
HealthPartners Standard Option
Mississippi Aetna Value Plan InshyNetwork
4040
$25$45
$0 for 3 then 20
$25$40
40
Nothing
20 in40 out
20
50+
$12
$9
$10
50+50+
$45$90
$40$70
30to$60050 to$1200
No
Yes
Yes
Yes
647
647
893
893
875
875
951
951
92
92
911
911
725
725
Aetna Value Plan OutshyNetwork 4040 40 50+ 50+50+ No
39
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Missouri Aetna Value Planshy Most of Missouri
Aetna Open Access shyHighshy Kansas City area
Blue Preferred Plus POS shyHighshy StLouisCentralSW areas
Coventry Health Care of Kansas shyHighshy Kansas City Metro Area (KS and MO)
Coventry Health Care of Kansas shyStdshy Kansas City Metro Area (KS and MO)
Humana Value Plan shy Kansas City Area
Humana Health Plan Inc shyHighshy Kansas City
Humana Health Plan Inc shyStdshy Kansas City
United Healthcare of the Midwest Inc shyHighshy St Louis Area
Montana
Aetna Value Planshy SouthSoutheastWestern MT Areas
Nebraska
Aetna Value Planshy All of Nebraska
Nevada
Aetna Value Planshy Las Vegas Area
Aetna Open Access shyHighshy Clark County and Las Vegas areas
Health Plan of Nevada shyHighshy Las VegasEsmeralda and Nye counties
New Hampshire
Aetna Value Planshy All of New Hampshire
877shy459shy6604
877shy459shy6604
888shy811shy2092
800shy969shy3343
800shy969shy3343
888shy393shy6765
888shy393shy6765
888shy393shy6765
877shy835shy9861
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy545shy7378
877shy459shy6604
G54 G55
HY1 HY2
9G1 9G2
HA1 HA2
HA4 HA5
PH4 PH5
MS1 MS2
MS4 MS5
B91 B92
H44 H45
H44 H45
G54 G55
HF1 HF2
NM1 NM2
EP4 EP5
12822 29119
13577 50039
32158 67069
13519 32270
12568 29535
10247 22697
62521 139111
15825 35210
33072 74273
13093 29732
13093 29732
12822 29119
11267 36491
9883 23303
12694 28827
52315 118808
55396 147754
76267 165125
55160 129630
51276 120503
41809 92606
107238 238608
59608 132629
77200 172473
53418 121307
53418 121307
52315 118808
45970 133935
40322 95078
51792 117616
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
40
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How well
doctors
communicate
Customer
service
Claims
processing
Plan Inform
ation
on Costs
Missouri Aetna Value Plan InshyNetwork $25$40 20 $10
HMOP
30to$60050 to$1200
OS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
4040
$20$35
40
$250day x 4
50+
$10
50+50+
$35$100 $40$60
No
Yes 639 862 862 94 838 901 538
Blue Preferred Plus POS InshyNetwork $25$35 $500 $5 25$6025 Yes 647 891 861 961 84 864 685 Blue Preferred Plus POS OutshyNetwork Coventry Health Care of KansasshyHigh
Coventry Health Care of KansasshyStandard
Humana Value Plan InshyNetwork
30 after ded $30$60
$30$60
$35$55
30 after ded 25
30
20
NA $3 $12
$3 $12
$10
NA $50$75
$5020
$40$60
NA Yes
Yes
Yes
602
602
906
906
88
88
96
96
894
894
884
884
663
663
Humana Value Plan OutshyNetwork
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
United Healthcare of the Midwest IncshyHigh
Montana
Aetna Value Plan InshyNetwork
5050
$20$35
$25$40
$25$40
$25$40
50
$250day x 3
$500day x 3
$450
20
$10+
$10
$10
$7
$10
$40+$60+
$40$60
$40$60
$30$60
30to$60050 to$1200
No
Yes
Yes
Yes
Yes
676
676
665
903
903
919
901
901
902
951
951
957
881
881
892
918
918
898
729
729
732
Aetna Value Plan OutshyNetwork
Nebraska
Aetna Value Plan InshyNetwork
4040
$25$40
40
20
50+
$10
50+50+
30to$60050 to$1200
No
Yes Aetna Value Plan OutshyNetwork
Nevada
Aetna Value Plan InshyNetwork
4040
$25$40
40
20
50+
$10
50+50+
30to$60050 to$1200
No
Yes Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Health Plan of NevadashyHigh
New Hampshire
Aetna Value Plan InshyNetwork
4040
$20$35
$10$25
$25$40
40
$250day x 4
$300
20
50+
$10
$7
$10
50+50+
$35$100
$35$55$100
30to$60050 to$1200
No
Yes
Yes
Yes
602
516
838
696
861
66
923
892
849
892
918
912
636
529
Aetna Value Plan OutshyNetwork 4040 40 50+ 50+50+ No
41
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
New Jersey
Aetna Value Planshy All of New Jersey 877shy459shy6604
Aetna Open Access shyHighshy Northern New Jersey 877shy459shy6604
Aetna Open Access shyBasicshy Northern New Jersey 877shy459shy6604
Aetna Open Access shyHighshy Southern NJ 877shy459shy6604
Aetna Open Access shyBasicshy Southern NJ 877shy459shy6604
GHI Health Plan shyHighshy Northern New Jersey 212shy501shy4444
GHI Health Plan shyStdshy Northern New Jersey 212shy501shy4444
New Mexico
Aetna Value Planshy AlbuquerqueDona AnaHobbs Area 877shy459shy6604
Lovelace Health Plan shyHighshy All of New Mexico 800shy808shy7363
Presbyterian Health Plan shyHighshy All counties in New Mexico 800shy356shy2219
EP4 EP5
JR1 JR2
JR4 JR5
P31 P32
P34 P35
801 802
804 805
G54 G55
Q11 Q12
P21 P22
12694 28827
52355 123641
34184 82457
64801 164359
49560 118027
32591 93212
14135 33572
12822 29119
13099 30785
23940 56335
51792 117616
96868 222828
78334 180821
109563 264361
94017 217102
76709 191791
57672 130958
52315 118808
53445 125603
67885 154176
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
42
Primary care Hospital
Prescription Drugs
Member Survey Results
Mail lan
eeded
are
ll icate
r ng rmation
Plan Name ndash Location Specialist
office copay per stay
deductible Level I Level II Level III
order discount
Overall p
satisfaction
Getting n
care
Getting c
quickly
How
we
doctors
commun
Custome
service
Claims
processi
Plan
Info
on
Costs
New Jersey
Aetna Value Plan InshyNetwork $25$40 20 $10
HMO
30to$60050 to$1200
POS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Aetna Open AccessshyBasic
Aetna Open AccessshyHigh
Aetna Open AccessshyBasic
GHI Health Plan InshyNetwork
4040
$20$35
$15$35
$20$35
$15$35
$20$20
40
$250day x 4
20 Plan Allow
$250day x 4
20 Plan Allow
$150max$450
50+
$10
$5
$10
$5
$20
50+50+
$35$100
$35$100
$35$100
$35$100
$45$85
No
Yes
Yes
Yes
Yes
Yes
631
631
631
631
663
852
852
852
852
844
837
837
837
837
851
928
928
928
928
936
895
895
895
895
86
809
809
809
809
828
623
623
623
623
642 GHI Health Plan OutshyNetwork
GHI Health PlanshyStandard
New Mexico
Aetna Value Plan InshyNetwork
50 of sch
$30$30
$25$40
+50 of sch
$250day x 3
20
NA
$10
$10
NA
$45$85
30to$60050 to$1200
No
Yes
Yes
663 844 851 936 86 828 642
Aetna Value Plan OutshyNetwork
Lovelace Health PlanshyHigh
Presbyterian Health PlanshyHigh
4040
$25$35
$25$40
40
$250 after ded
$100 x 5 days
50+
$5
$10
50+50+
$35$6050
$40$7550
No
Yes
Yes
651
655
796
824
753
783
918
917
828
848
939
852
656
616
43
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
New York
Aetna Value Planshy Most of New York 877shy459shy6604
Aetna Open Access shyHighshy NYC AreaUpstate NY 877shy459shy6604
Aetna Open Access shyBasicshy NYC AreaUpstate NY 877shy459shy6604
CDPHP Universal Benefits Inc shyHighshy Upstate Hudson Valley Central NY 877shy269shy2134
CDPHP Universal Benefits Inc shyStdshy Upstate Hudson Valley Central NY 877shy269shy2134
GHI HMO Select shyHighshy BrnxBrklynManhatQueenRichmonWestche 877shy244shy4466
GHI HMO Select shyHighshy CapitalHudson Valley Regions 877shy244shy4466
GHI Health Plan shyHighshy All of New York 212shy501shy4444
GHI Health Plan shyStdshy All of New York 212shy501shy4444
HIP Health of Greater New York shyHighshy New York City area including Long Island 800shy447shy8255
HIP Health of Greater New York shyStdshy New York City area including Long Island 800shy447shy8255
Independent Health Association shyHighshy Western New York 800shy501shy3439
Independent Health Association shyStdshy Western New York 800shy501shy3439
MVP Health Care shyHighshy Eastern Region 888shy687shy6277
MVP Health Care shyStdshy Eastern Region 888shy687shy6277
MVP Health Care shyHighshy Western Region 888shy687shy6277
MVP Health Care shyStdshy Western Region 888shy687shy6277
MVP Health Care shyHighshy Central Region 888shy687shy6277
MVP Health Care shyStdshy Central Region 888shy687shy6277
MVP Health Care shyHighshy Northern Region 888shy687shy6277
MVP Health Care shyStdshy Northern Region 888shy687shy6277
MVP Health Care shyHighshy MidshyHudson Region 888shy687shy6277
MVP Health Care shyStdshy MidshyHudson Region 888shy687shy6277
EP4 EP5
JC1 JC2
JC4 JC5
SG1 SG2
SG4 SG5
6V1 6V2
X41 X42
801 802
804 805
511 512
514 515
QA1 QA2
C54 C55
GA1 GA2
GA4 GA5
GV1 GV2
GV4 GV5
M91 M92
M94 M95
MF1 MF2
MF4 MF5
MX1 MX2
MX4 MX5
12694 28827
40198 109033
26007 71920
22952 71235
12294 32053
19548 60991
14167 47634
32591 93212
14135 33572
17000 63158
12206 34562
18597 58201
14454 47853
16586 53386
13377 39674
13042 35704
11193 28006
17110 54877
13779 42651
25417 75411
22349 67734
18731 58664
13657 42345
51792 117616
84468 207928
69993 170073
66877 169374
50161 129408
63405 158925
57800 145301
76709 191791
57672 130958
60806 161136
49800 131968
62435 156079
58209 145524
60384 151168
54580 137182
53210 133132
45669 114266
60918 152689
56220 140218
69392 173634
66262 165803
62572 156552
55723 139906
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
44
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How well
doctors
communicate
Customer
service
Claims
processing
Plan Inform
ation
on Costs
New York
Aetna Value Plan InshyNetwork $25$40 20 $10
HMOP
30to$60050 to$1200
OS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Aetna Open AccessshyBasic
CDPHP Universal Benefits IncshyHigh
CDPHP Universal Benefits IncshyStandard
GHI HMO SelectshyHigh
GHI HMO SelectshyHigh
GHI Health Plan InshyNetwork
4040
$20$35
$15$35
$20$30
$25$40
$25$40
$25$40
$20$20
40
$250day x 4
20 Plan Allow
$100 x 5
$500+10
$500
$500
$150max$450
50+
$10
$5
25
30
$10
$10
$20
50+50+
$35$100
$35$100
2525
3030
$30$50
$30$50
$45$85
No
Yes
Yes
No
No
Yes
Yes
Yes
662
662
729
729
663
848
848
928
928
844
849
849
90
90
851
937
937
949
949
936
888
888
922
922
86
874
874
924
924
828
547
547
70
70
642 GHI Health Plan OutshyNetwork
GHI Health PlanshyStandard
HIP Health of Greater New YorkshyHigh
HIP Health of Greater New YorkshyStandard
Independent Health Assoc InshyNetwork
50 of sch
$30$30
$20$40
$30$50
$25$25
+50 of sch
$250day x 3
None
$1000
$250
NA
$10
$15
$15$100Ded
$10
NA
$45$85
$35$75
$30$75
$35$75 $75$100Ded
No
Yes
Yes
Yes
No
663
729
729
735
844
814
814
933
851
786
786
923
936
888
888
952
86
787
787
92
828
848
848
916
642
60
60
755 Independent Health Assoc OutshyNetwork
Independent Health Association InshyNetwork
2525
$30$50
25
$750
NA
$10
NA
$5050
No
Yes Independent Health Association OutshyNetwork
MVP Health CareshyHigh
MVP Health CareshyStandard
MVP Health CareshyHigh
MVP Health CareshyStandard
MVP Health CareshyHigh
MVP Health CareshyStandard
MVP Health CareshyHigh
MVP Health CareshyStandard
MVP Health CareshyHigh
MVP Health CareshyStandard
3030
$25$25
$30$50
$25$25
$30$50
$25$25
$30$50
$25$25
$30$50
$25$25
$30$50
30
$500
$750
$500
$750
$500
$750
$500
$750
$500
$750
NA
$5
$5
$5
$5
$5
$5
$5
$5
$5
$5
NA
$35$70
$45$90
$35$70
$45$90
$35$70
$45$90
$35$70
$45$90
$35$70
$45$90
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
739
739
739
739
739
739
739
739
739
739
934
934
934
934
934
934
934
934
934
934
89
89
89
89
89
89
89
89
89
89
962
962
962
962
962
962
962
962
962
962
896
896
896
896
896
896
896
896
896
896
92
92
92
92
92
92
92
92
92
92
768
768
768
768
768
768
768
768
768
768
45
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
North Carolina
Aetna Value Planshy All of North Carolina 877shy459shy6604
North Dakota
Aetna Value Planshy Most of North Dakota 877shy459shy6604
HealthPartners High Option shy Eastern North Dakota 800shy883shy2177
HealthPartners Standard Option shyEastern North Dakota 800shy883shy2177
Sanford Heart of America Health Plan shyHighshy Northcentral North Dakota 800shy525shy5661
Sanford Health Plan shyHighshy North Dakota 800shy752shy5863
Sanford Health Plan shyStdshy North Dakota 800shy752shy5863
Ohio
Aetna Value Planshy All of Ohio 877shy459shy6604
AultCare HMO shyHighshy StarkCarrollHolmesTuscarawasWayne Co 330shy363shy6360
Humana Health Plan of Ohio shyHighshy Greater Cincinnati Area 888shy393shy6765
Humana Health Plan of Ohio shyStdshy Greater Cincinnati Area 888shy393shy6765
HealthSpan Integrated CareshyClevelandAkron areas 800shy686shy7100
HealthSpan Integrated CareshyStdshyClevelandAkron areas 800shy686shy7100
The Health Plan of the Upper Ohio Valley shyHighshy Eastern Ohio 800shy624shy6961
Oklahoma
Aetna Value Planshy All of Oklahoma 877shy459shy6604
Globalhealth Inc shyHighshy Oklahoma 877shy280shy5600
F54 F55
H44 H45
V31 V32
V34 V35
RU1 RU2
C91 C92
C94 C95
JS4 JS5
3A1 3A2
A61 A62
A64 A65
641 642
644 645
U41 U42
JS4 JS5
IM1 IM2
13058 29656
13093 29732
26865 64982
8897 20464
13803 47086
20976 51441
14143 45836
17258 41140
14204 44676
13880 30882
12491 27794
28758 69344
13114 30163
26271 60855
17258 41140
11810 28460
53279 120995
53418 121307
70869 162996
36302 83494
56317 144742
64862 149184
57705 143467
61069 138677
57953 142284
56629 125999
50965 113400
72799 167445
53504 123066
70263 158786
61069 138677
48185 116118
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
46
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How well
doctors
communicate
Customer
service
Claims
processing
Plan Inform
ation
on Costs
North Carolina
Aetna Value Plan InshyNetwork $25$40 20 $10
HMOP
30to$60050 to$1200
OS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
North Dakota
Aetna Value Plan InshyNetwork
4040
$25$40
40
20
50+
$10
50+50+
30to$60050 to$1200
No
Yes Aetna Value Plan OutshyNetwork
HealthPartners High Option
HealthPartners Standard Option
Sanford Heart of America Health Plan InshyNetwork
4040
$25$45
$0 for 3 then 20
$15$25
40
Nothing
20 in40 out
None
50+
$12
$9
50$600ded
50+50+
$45$90
$40$70
50$600 ded
No
Yes
Yes
None
647
647
893
893
875
875
951
951
92
92
911
911
725
725
Sanford Heart of America Health Plan OutshyNetwork
Sanford Health Plan InshyNetwork
2020
$20$30
20
$100day x 5
NA
$15
NA
$30$50
NA
NA 535 903 89 977 902 912 558 Sanford Health Plan OutshyNetwork
Sanford Health Plan InshyNetwork
4040
$25$25
40
$100day x 5
40+
$15
40+40+
$30$50
NA
NA 535 903 89 977 902 912 558 Sanford Health Plan OutshyNetwork
Ohio
Aetna Value Plan InshyNetwork
40+40+
$25$40
40+
20
40+
$10
40+40+
30to$60050 to$1200
NA
Yes Aetna Value Plan OutshyNetwork
AultCare HMOshyHigh
Humana Health Plan of OhioshyHigh
Humana Health Plan of OhioshyStandard
HealthSpan Integrated CareshyHigh
HealthSpan Integrated CareshyStandard
The Health Plan of the Upper Ohio ValleyshyHigh
Oklahoma
Aetna Value Plan InshyNetwork
4040
$15$20
$20$35
$25$40
$20$20
$30$40
$10$20
$25$40
40
$150
$250day x 3
$500day x 3
$250
$500
$250
20
50+
$15
$10
$10
$10
$15
$15
$10
50+50+
$30$40$55
$40$60
$40$60
$30$30
$40$40
$30$50
30to$60050 to$1200
No
No
Yes
Yes
Yes
Yes
Yes
Yes
877
788
788
744
922
845
845
909
907
889
889
876
941
922
922
951
944
935
935
929
935
906
906
944
853
708
708
745
Aetna Value Plan OutshyNetwork
Globalhealth IncshyHigh
4040
$15$45
40
$250dymx1000
50+
$4$10
50+50+
$45$70
No
Yes 592 816 839 916 893 872 727
47
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Oregon
Aetna Value Planshy Most of Oregon
Kaiser Foundation Health Plan of Northwest shyHighshy PortlandSalem areas
Kaiser Foundation Health Plan of Northwest shyStdshy PortlandSalem areas
Pennsylvania
Aetna Value Planshy All of Pennsylvania
Aetna Open Access shyHighshy Philadelphia
Aetna Open Access shyBasicshy Philadelphia
Aetna Open Access shyHighshy Pittsburgh and Western PA Areas
Geisinger Health Plan shyStdshy NortheasternCentralSouth Central areas
HealthAmerica Pennsylvania shyHighshy Greater Pittsburgh Area
UPMC Health Plan shyHighshy Western Pennsylvania
UPMC Health Plan shyStdshy Western Pennsylvania
Puerto Rico
Humana Health Plans of Puerto Rico Inc shyHighshy Puerto Rico
TripleshyS Salud Inc shyHighshy All of Puerto Rico
Rhode Island
Aetna Value Planshy All of Rhode Island
South Carolina
Aetna Value Planshy All of South Carolina
877shy459shy6604
800shy813shy2000
800shy813shy2000
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
800shy447shy4000
866shy351shy5946
888shy876shy2756
888shy876shy2756
800shy314shy3121
787shy774shy6060
877shy459shy6604
877shy459shy6604
H44 H45
571 572
574 575
H44 H45
P31 P32
P34 P35
YE1 YE2
GG4 GG5
261 262
8W1 8W2
UW4 UW5
ZJ1 ZJ2
891 892
EP4 EP5
JS4 JS5
13093 29732
22672 52645
13617 31283
13093 29732
64801 164359
49560 118027
19203 59806
16820 41884
17814 47183
22135 54101
13345 30692
8026 18317
8829 19866
12694 28827
17258 41140
53418 121307
66592 150412
55557 127637
53418 121307
109563 264361
94017 217102
63053 157716
60623 139436
61637 144841
66044 151897
54448 125225
32748 74733
36023 81052
51792 117616
61069 138677
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
48
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay
deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How
well
doctors
communicate
Customer
service
Claims
processing
Plan
Information
on
Costs
Oregon
Aetna Value Plan InshyNetwork $25$40 20 $10
HMOP
30to$60050 to$1200
OS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Kaiser Foundation HP of NorthwestshyHigh
Kaiser Foundation HP of NorthwestshyStandard
Pennsylvania
Aetna Value Plan InshyNetwork
4040
$20$30
$30$40
$25$40
40
$200
$500
20
50+
$15
$20
$10
50+50+
$40$60
$40$60
30to$60050 to$1200
No
Yes
Yes
Yes
768
768
844
844
847
847
916
916
927
927
89
89
683
683
Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Aetna Open AccessshyBasic
Aetna Open AccessshyHigh
Geisinger Health PlanshyStandard
HealthAmerica PennsylvaniashyHigh
UPMC Health PlanshyHigh
UPMC Health PlanshyStandard
Puerto Rico
Humana Health Plans of PR InshyNetwork
4040
$20$35
$15$35
$20$35
$20$35
$25$50
10 after Deduct
20 after Deduct
$5$5
40
$250day x 4
20 Plan Allow
$250day x 4
20aftrDeduct
15 after ded
10 after deduct
20after Deduct
None
50+
$10
$5
$10
30 $5$15
$5
$5 after ded
$5 after ded
$250
50+50+
$35$100
$35$100
$35$100
$35$60
$35$75
$35$75$100
$10$15
40 $40$120 50 $85$250
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
579
579
579
668
699
754
754
806
861
861
861
868
873
908
908
803
835
835
835
85
885
899
899
82
935
935
935
938
957
97
97
938
887
887
887
906
86
913
913
887
899
899
899
902
921
904
904
70
631
631
631
677
671
678
678
541 Humana Health Plans of PR OutshyNetwork $10$10 $50 NA NA
Greater of $15 or Yes
TripleshyS Salud Inc InshyNetwork TripleshyS Salud Inc OutshyNetwork
Rhode Island
Aetna Value Plan InshyNetwork
$750$10
$25$40
$750 amp 10 +$10 amp 10 +
None 10 +
20
$5 or $12 NA
$10
NA
2025 up to$100$175max
30to$60050 to$1200
Yes No
Yes
691 874 844 963 872 75 586
Aetna Value Plan OutshyNetwork
South Carolina
Aetna Value Plan InshyNetwork
4040
$25$40
40
20
50+
$10
50+50+
30to$60050 to$1200
No
Yes Aetna Value Plan OutshyNetwork 4040 40 50+ 50+50+ No
49
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of Your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
South Dakota
Aetna Value Planshy Rapid CitySioux Falls Area 877shy459shy6604
HealthPartners High Option shy Eastern South Dakota 800shy883shy2177
HealthPartners Standard Option shyEastern South Dakota 800shy883shy2177
Sanford Health Plan shyHighshy EasternCentralRapid City Areas 800shy752shy5863
Sanford Health Plan shyStdshy EasternCentralRapid City Areas 800shy752shy5863
Tennessee
Aetna Value Planshy Most of Tennessee 877shy459shy6604
Aetna Open Access shyHighshy Memphis Area 877shy459shy6604
Humana Health Plan Inc shyHighshy Knoxville 888shy393shy6765
Humana Health Plan Inc shyStdshy Knoxville 888shy393shy6765
G54 G55
V31 V32
V34 V35
AU1 AU2
AU4 AU5
F54 F55
UB1 UB2
GJ1 GJ2
GJ4 GJ5
12822 29119
26865 64982
8897 20464
26173 63455
23647 57594
13058 29656
24581 76516
15825 35210
12491 27794
52315 118808
70869 162996
36302 83494
70163 161438
67586 155460
53279 120995
68539 174761
59608 132629
50965 113400
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
50
Primary
Prescription Drugs
Member Survey Results
ded ation
care Hospital Mail
plan
Getting nee
care
How well
teica
r ng rm
Plan Name ndash Location Specialist office copay
per stay deductible Level I
Level II Level III
order discount
Overall
satisfaction
care
Getting
quickly
doctors
commun
Custome
service
Claims
processi
Plan Info
on Costs
South Dakota
Aetna Value Plan InshyNetwork $25$40 20 $10
HMOP
30to$60050 to$1200
OS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
HealthPartners High Option
HealthPartners Standard Option
Sanford Health Plan InshyNetwork
4040
$25$45
$0 for 3 then 20
$20$30
40
Nothing
20 in40 out
$100day x 5
50+
$12
$9
$15
50+50+
$45$90
$40$70
$30$50
No
Yes
Yes
NA
647
647
535
893
893
903
875
875
89
951
951
977
92
92
902
911
911
912
725
725
558 Sanford Health Plan OutshyNetwork
Sanford Health Plan InshyNetwork
4040
$25$25
40
$100day x 5
40+
$15
40+40+
$30$50
NA
NA
535
535 903 89 977 902 912 558 Sanford Health Plan OutshyNetwork
Tennessee
Aetna Value Plan InshyNetwork
40+40+
$25$40
40+
20
40+
$10
40+40+
30to$60050 to$1200
NA
Yes Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
4040
$20$35
$20$35
$25$40
40
$250day x 4
$250day x 3
$500day x 3
50+
$10
$10
$10
50+50+
$35$100
$40$60
$40$60
No
Yes
Yes
Yes
66 875 868 959 889 914 69
51
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Texas
Aetna Value Planshy All of Texas 877shy459shy6604
Aetna Whole Health shyBasicshy Houston Area 877shy459shy6604
Firstcare shyHighshy Waco area 800shy884shy4901
Firstcare shyHighshy West Texas 800shy884shy4901
Firstcare shyHighshy TaylorCallahanEastland 800shy884shy4901
Firstcare shyHighshy Lubbock area 800shy884shy4901
Firstcare shyHighshy BryanCollege Station Area 800shy884shy4901
Humana Value Plan shy Corpus Christi Area 888shy393shy6765
Humana Value Plan shy San Antonio Area 888shy393shy6765
Humana Value Plan shy Austin Area 888shy393shy6765
Humana Health Plan of Texas shyHighshy Houston 888shy393shy6765
Humana Health Plan of Texas shyStdshy Houston 888shy393shy6765
Humana Health Plan of Texas shyHighshy Corpus Christi 888shy393shy6765
Humana Health Plan of Texas shyStdshy Corpus Christi 888shy393shy6765
Humana Health Plan of Texas shyHighshy San Antonio 888shy393shy6765
Humana Health Plan of Texas shyStdshy San Antonio 888shy393shy6765
Humana Health Plan of Texas shyHighshy Austin 888shy393shy6765
Humana Health Plan of Texas shyStdshy Austin 888shy393shy6765
Scott amp White Health Plan shyStdshy Central TX amp Some SE and SW Counties 800shy321shy7947
UnitedHealthcare Benefits of Texas Inc shyHighshy San Antonio 866shy546shy0510
JS4 JS5
ES1 ES2
B71 B72
CK1 CK2
CN1 CN2
CZ1 CZ2
ET1 ET2
TP4 TP5
TU4 TU5
TV4 TV5
EW1 EW2
EW4 EW5
UC1 UC2
UC4 UC5
UR1 UR2
UR4 UR5
UU1 UU2
UU4 UU5
A84 A85
GF1 GF2
17258 41140
12817 40332
11057 37880
10809 34896
13391 65886
13031 61566
12638 56836
10247 22697
10247 22697
10247 22697
13880 30882
12491 27794
17899 39821
13880 30882
55020 122416
13880 30882
26524 59015
15825 35210
14907 37260
32515 78160
61069 138677
52295 137853
45113 135352
44103 132308
54635 163918
53169 159512
51562 154687
41809 92606
41809 92606
41809 92606
56629 125999
50965 113400
61723 137332
56629 126001
99587 221579
56629 126001
70521 156910
59608 132629
58671 134720
76632 176438
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
52
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How well
doctors
communicate
Customer
service
Claims
processing
Plan Inform
ation
on Costs
Texas
Aetna Value Plan InshyNetwork $25$40 20 $10
HMO
30to$60050 to$1200
POS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Aetna Whole Health InshyNetwork
4040
$5$25$35
40
15
50+
$5
50+50+
$35$60
No
Yes Aetna Whole Health OutshyNetwork
FirstcareshyHigh
FirstcareshyHigh
FirstcareshyHigh
FirstcareshyHigh
FirstcareshyHigh
Humana Value Plan InshyNetwork
4040
$30$55
$30$55
$30$55
$30$55
$30$55
$35$55
40
$250day x 5
$250day x 5
$250day x 5
$250day x 5
$250day x 5
20
40
$10
$10
$10
$10
$10
$10
4040
$35$70
$35$70
$35$70
$35$70
$35$70
$40$60
No
Yes
Yes
Yes
Yes
Yes
Yes Humana Value Plan OutshyNetwork
Humana Value Plan InshyNetwork
5050
$35$55
50
20
$10+
$10
$40+$60+
$40$60
No
Yes Humana Value Plan OutshyNetwork
Humana Value Plan InshyNetwork
5050
$35$55
50
20
$10+
$10
$40+$60+
$40$60
No
Yes Humana Value Plan OutshyNetwork
Humana Health Plan of TexasshyHigh
Humana Health Plan of TexasshyStandard
Humana Health Plan of TexasshyHigh
Humana Health Plan of TexasshyStandard
Humana Health Plan of TexasshyHigh
Humana Health Plan of TexasshyStandard
Humana Health Plan of TexasshyHigh
Humana Health Plan of TexasshyStandard
Scott amp White Health PlanshyStandard
UnitedHealthcare Benefits of Texas IncshyHigh
5050
$20$35
$25$40
$20$35
$25$40
$20$35
$25$40
$20$35
$25$40
$20$45
$20$40
50
$250day x 3
$500day x 3
$250day x 3
$500day x 3
$250day x 3
$500day x 3
$250day x 3
$500day x 3
10
$250day x 5
$10+
$10
$10
$10
$10
$10
$10
$10
$10
$5
$10
$40+$60+
$40$60
$40$60
$40$60
$40$60
$40$60
$40$60
$40$60
$40$60
$45$100
$35$60
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
63
63
702
835
835
862
764
764
863
931
931
937
864
864
875
856
856
87
673
673
569
53
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Utah
Aetna Value Planshy Most of Utah 877shy459shy6604
Altius Health Plans shyHighshy Wasatch Front 800shy377shy4161
Altius Health Plans shyStdshy Wasatch Front 800shy377shy4161
SelectHealth shyHighshy Urban and Suburban Utah 800shy538shy5038
SelectHealth shyStdshy Urban and Suburban Utah 800shy538shy5038
Vermont Aetna Value Planshy All of Vermont 877shy459shy6604
Virgin Islands
TripleshyS Salud Inc shyHighshy US Virgin Islands 800shy981shy3241
G54 G55
9K1 9K2
DK4 DK5
SF1 SF2
SF4 SF5
EP4 EP5
851 852
12822 29119
19819 42542
11798 25954
19210 43095
12435 27741
12694 28827
10305 23402
52315 118808
63682 140107
48136 105894
63060 140671
50737 113183
51792 117616
42043 95481
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
54
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How well
doctors
communicate
Customer
service
Claims
processing
Plan Inform
ation
on Costs
Utah
Aetna Value Plan InshyNetwork $25$40 20 $10
HMO
30to$60050 to$1200
POS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Altius Health PlansshyHigh
Altius Health PlansshyStandard
SelectHealthshyHigh
SelectHealthshyStandard
Vermont Aetna Value Plan InshyNetwork
4040
$20$30
$20$40
$15$25
$20$30
$25$40
40
$200
None
$100
$100 after
20
50+
$7
$7
$5$25$50
$5$25$50
$10
50+50+
$25$50
$35$60
$25$50$50
$25 $50$50
30to$60050 to$1200
No
No
None
Yes
Yes
Yes
552
552
629
629
852
852
876
876
813
813
851
851
948
948
958
958
883
883
912
912
895
895
903
903
588
588
64
64
Aetna Value Plan OutshyNetwork
Virgin Islands
4040 40 50+ 50+50+ No
Greater of $15 or TripleshyS Salud Inc InshyNetwork TripleshyS Salud Inc OutshyNetwork
$750$10 $750 amp 10 +$10 amp 10 +
None 10 +
$5 or $12 NA NA
2025 up to$100$175max
Yes No
691 874 844 963 872 75 586
55
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Virginia
Aetna Value Planshy Most of Virginia 877shy459shy6604
Aetna Open Access shyHighshy NorthernCentralRichmond Virginia Areas 877shy459shy6604
Aetna Open Access shyBasicshy NorthernCentralRichmond Virginia Areas 877shy459shy6604
Aetna Whole Health shyBasicshy Roanoke VA area 877shy459shy6604
Aetna Whole Health shyBasicshy Newport News VA area 877shy459shy6604
CareFirst BlueChoice shyHighshy Northern Virginia 888shy789shy9065
CareFirst BlueChoice shyStdshy Northern Virginia 888shy789shy9065
HealthKeepers Inc shyHighshy Virginia 855shy580shy1200
Kaiser Foundation Health Plan MidshyAtlantic States shyHighshy Northern VirginiaFredericksburg area 877shy574shy3337
Kaiser Foundation Health Plan MidshyAtlantic States shyStdshy Northern VirginiaFredericksburg area 877shy574shy3337
MD IPA shyHighshy Northern Viginia 877shy835shy9861
Optima Health Plan shyHighshy Hampton Roads and Richmond areas 800shy206shy1060
Optima Health Plan shyStdshy Hampton Roads and Richmond areas 800shy206shy1060
Piedmont Community Healthcare shyHighshy Lynchburg area 888shy674shy3368
Washington
Aetna Value Planshy Most of Washington 877shy459shy6604
Aetna Open Access shyHighshy Seattle and Spokane areas 877shy459shy6604
Group Health Cooperative shyHighshy Western WACentral WASpokanePullman 888shy901shy4636
Group Health Cooperative shyStdshy Western WACentral WASpokanePullman 888shy901shy4636
KPS Health Plans shyStdshy All of Washington 800shy552shy7114
KPS Health Plans shyHighshy All of Washington 800shy552shy7114
Kaiser Foundation Health Plan of Northwest shyHighshy VancouverLongview 800shy813shy2000
Kaiser Foundation Health Plan of Northwest shyStdshy VancouverLongview 800shy813shy2000
F54 F55
JN1 JN2
JN4 JN5
D91 D92
J91 J92
2G1 2G2
2G4 2G5
A91 A92
E31 E32
E34 E35
JP1 JP2
9R1 9R2
9R4 9R5
2C1 2C2
G54 G55
C31 C32
541 542
544 545
L11 L12
VT1 VT2
571 572
574 575
13058 29656
46867 105610
14021 31351
12138 40332
11280 29365
21177 48693
15284 35429
20427 47008
16926 42124
9646 22186
20245 50123
26858 69565
11269 26665
12235 28017
12822 29119
14933 62274
27070 55009
11742 26509
12426 26823
31651 67459
22672 52645
13617 31283
53279 120995
91271 204437
57208 127913
49524 137853
46023 119808
65067 146381
59056 132852
64302 144663
60731 139681
39358 90520
64116 147840
70861 167671
45977 108794
49920 114308
52315 118808
58698 160234
71078 152824
47908 108156
50700 109437
75750 165523
66592 150412
55557 127637
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
56
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How well
doctors
communicate
Customer
service
Claims
processing
Plan Inform
ation
on Costs
Virginia
Aetna Value Plan InshyNetwork Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Aetna Open AccessshyBasic
Aetna Whole Health InshyNetwork Aetna Whole Health OutshyNetwork
Aetna Whole Health InshyNetwork Aetna Whole Health OutshyNetwork
CareFirst BlueChoiceshyHigh
CareFirst BlueChoice InshyNetwork
$25$40 4040
$15$30
$20$35
$25$35 4040
$5$25$35 4040
$25$35
Nothing$35
20 40
$150day x3
10 Plan Allow
15 40
15 40
$200
$200
$10 50+
$5
$10
$5 40
$5 40
Nothing
Nothing
HMO
50+50+
$35$100
$35$100
$35$60 4040
$35$60 4040
$35$65
$35$65
30to$60050 to$1200
POS National
Yes No
Yes
Yes
Yes No
Yes No
Yes
Yes
Average
69
69
648
648
679
844
844
86
86
864
872
872
833
833
849
942
942
925
925
942
865
865
846
846
877
914
914
902
902
875
567
567
54
54
649
CareFirst BlueChoice OutshyNetwork
HealthKeepers IncshyHigh
Kaiser Foundation HP MidshyAtlantic StatesshyHigh
Kaiser Foundation HP MidshyAtlantic StatesshyStandard
MD IPAshyHigh
Optima Health PlanshyHigh
Optima Health PlanshyStandard
Piedmont Community HealthcareshyHigh
Washington
Aetna Value Plan InshyNetwork Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Group Health CooperativeshyHigh
Group Health CooperativeshyStandard
KPS Health Plans InshyNetwork KPS Health Plans OutshyNetwork
KPS Health Plans InshyNetwork KPS Health Plans OutshyNetwork
Kaiser Foundation HP of NorthwestshyHigh
Kaiser Foundation HP of NorthwestshyStandard
$70$70
$10$20
$20$30
$25$40
$25$30
$35$35
$25$40 4040
$20$35
$25$25
$25$35
$154 or 2020
$30$30 $30+40+diff
$20$30
$30$40
$0$3530NonshyNetwork
$20$0childlt22$30
$154+40+diff 40+diff
$500
$200 x3 days
$100
$250dayx3
$150day x 3
$150max$750
$20020
20
20 40
$250day x 4
$350
$500
Nothing Nothing
None None
$200
$500
Nothing
$0
$7$17 Net
$12$22Net
$7
$10
$10
$15
$10 50+
$10
$20
$20
$10 Not Covered
$5 Not Covered
$15
$20
$35$65
$30$50$50
$30$50$45$65
$35$55$50$70
$30$60
$40$55
50+50+
$35$100
$40$60
$40$60
Not Covered
NA
$40$60
$40$60
$353050up to $3000
$355050 up to $3000
$35$50 30day$100 90day
$25$50 30day$100 90day
30to$60050 to$1200
Yes
Yes
Yes
Yes
Yes
Yes
No
No
Yes No
Yes
Yes
Yes
Yes No
Yes No
Yes
Yes
83
83
583
692
692
659
659
798
798
768
768
867
867
846
864
864
86
86
94
94
844
844
833
831
831
876
886
886
869
869
928
928
847
847
927
927
937
969
969
941
941
957
957
916
916
813
813
867
87
87
912
912
931
931
927
927
836
836
841
916
916
881
881
897
897
89
89
702
702
677
674
674
692
692
65
65
683
683
57
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
West Virginia
Aetna Value Planshy Most of West Virginia 877shy459shy6604
The Health Plan of the Upper Ohio Valley shyHighshy NorthernCentral West Virginia 800shy624shy6961
Wisconsin
Aetna Value Planshy All of Wisconsin 877shy459shy6604
Aetna Whole Health shyBasicshy Milwaukee WI Area 877shy459shy6604
Dean Health Plan shyHighshy South Central Wisconsin 800shy279shy1301
Group Health Cooperative shyHighshy South Central Wisconsin 800shy605shy4327
HealthPartners High Option shy Western Wisconsin 800shy883shy2177
HealthPartners Standard Option shy Western Wisconsin 800shy883shy2177
MercyCare HMO shyHighshy South Central Wisconsin 800shy895shy2421
Physicians Plus shyHighshy All of WI 800shy545shy5015
Wyoming
Aetna Value Plan shyBasicshy All of Wyoming 877shy459shy6604
Altius Health Plans shyHighshy Uinta County 800shy377shy4161
Altius Health Plans shyStdshy Uinta County 800shy377shy4161
F54 F55
U41 U42
JS4 JS5
F71 F72
WD1 WD2
WJ1 WJ2
V31 V32
V34 V35
EY1 EY2
LW1 LW2
H44 H45
9K1 9K2
DK4 DK5
13058 29656
26271 60855
17258 41140
10600 29208
24382 72670
15910 51534
26865 64982
8897 20464
14597 48275
16556 55954
13093 29732
19819 42542
11798 25954
53279 120995
70263 158786
61069 138677
43250 119170
68336 170838
59694 149279
70869 162996
36302 83494
58355 145955
60353 153787
53418 121307
63682 140107
48136 105894
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
58
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Claims
processing
Getting needed
care
Getting care
quickly
How well
doctors
communicate
Customer
service
Plan Inform
ation
on Costs
West Virginia
Aetna Value Plan InshyNetwork Aetna Value Plan OutshyNetwork
The Health Plan of the Upper Ohio ValleyshyHigh
Wisconsin
Aetna Value Plan InshyNetwork Aetna Value Plan OutshyNetwork
Aetna Whole Health InshyNetwork Aetna Whole Health OutshyNetwork
Dean Health PlanshyHigh
Group Health CooperativeshyHigh
HealthPartners High Option
HealthPartners Standard Option
MercyCare HMOshyHigh
Physicians PlusshyHigh
Wyoming
Aetna Value Plan InshyNetwork Aetna Value Plan OutshyNetwork
Altius Health PlansshyHigh
Altius Health PlansshyStandard
$25$40 4040
$10$20
$25$40 4040
$25$35 4040
$25$25
$10$10
$25$45
$0 for 3 then 20
$10$10
$10$10
$25$40 4040
$20$30
$20$40
20 40
$250
20 40
15 40
None
None
Nothing
20 in40 out
Nothing
Nothing
20 40
$200
None
$10 Yes 50+ 50+50+ No
$15 $30$50 Yes
$10 Yes 50+ 50+50+ No
$5 $35$60 Yes 40 4040 No
$10 Yes
$5 $20$20 Yes
$12 $45$90 Yes
$9 $40$70 Yes
$10 $20$50 Yes
$10 3050 No
$10 Yes 50+ 50+50+ No
$7 $25$50 No
$7 $35$60 None
HMOPOS National Average
30$75max 50 wmin$50
30to$60050 to$1200
30to$60050 to$1200
30to$60050 to$1200
744
682
785
647
647
784
601
552
552
679
909 876 951 929 944
909 90 97 834 879
834 834 953 929 932
893 875 951 92 911
893 875 951 92 911
888 854 938 888 87
857 822 96 863 866
852 813 948 883 895
852 813 948 883 895
864 849 942 877 875
745
588
718
725
725
684
686
588
588
649
59
Appendix E FEHB Plan Comparison Charts
High Deductible and ConsumershyDriven Health Plans With a Health Savings Account or Health Reimbursement Arrangement
(Pages 64 through 83)
A High Deductible Health Plan (HDHP) provides comprehensive coverage for highshycost medical events and a taxshyadvantaged way to help you build savings for future medical expenses The HDHP gives you greater flexibility and discretion over how you use your health care benefits
When you enroll your health plan establishes for you either a Health Savings Account (HSA) or a Health Reimbursement Arrangement (HRA) The plan automatically deposits the monthly ldquopremium pass throughrdquo into your HSA The plan credits an amount into the HRA (This is the ldquoPremium Contribution to HSAHRArdquo column in the following charts)
Preventive care is covered in full As you receive other nonshypreventive medical care you must meet the plan deductible before the health plan pays benefits You can choose to pay your deductible with funds from your HSA or you can choose instead to pay for your deductible outshyofshypocket allowing your savings to continue to grow
The HDHP features higher annual deductibles (a minimum of $1250 for Self Only and $2500 for Self and Family coverage) and annual outshyofshypocket limits (not to exceed $6350 for Self Only and $12700 for Self and Family coverage) than other insurance plans Depending on the HDHP you choose you may have the choice of using InshyNetwork and OutshyofshyNetwork providers There may be higher deductibles and outshyofshypocket limits when you use OutshyofshyNetwork providers Using InshyNetwork providers will save you money
Health Savings Account (HSA)
A Health Savings Account allows individuals to pay for current health expenses and save for future qualified medical expenses on a preshytax basis Funds deposited into an HSA are not taxed the balance in the HSA grows tax free and that amount is available on a tax free basis to pay medical costs You are eligible for an HSA if you are enrolled in an HDHP not covered by any other health plan that is not an HDHP (including a spousersquos health plan but does not include specific injury insurance and accident disability dental care vision care or longshyterm coverage) not enrolled in Medicare not received VA benefits or IHS benefits within the last three months not covered by your own or your spousersquos flexible spending account (FSA) and are not claimed as a dependent on someone elsersquos tax return If you are enrolled in a High Deductible Health Plan with an HSA you may not participate in a Health Care Flexible Spending Account (HCFSA) but you are permitted to participate in a Limited Expense (LEX) HCFSA HSAs are subject to a number of rules and limitations established by the Department of the Treasury
Visit wwwtreasurygovresourceshycenterfaqstaxespageshealthshysavingsshyaccountsaspx for more information The 2014 maximum contribution limits are $3300 for Self Only coverage and $6550 for Self and Family coverage If you are over 55 you can make an additional ldquocatch uprdquo contribution You can use funds in your account to help pay your health plan deductible
60
Appendix E FEHB Plan Comparison Charts
High Deductible and ConsumershyDriven Health Plans With a Health Savings Account or Health Reimbursement Arrangement
Features of an HSA include
bull Taxshydeductible deposits you make to the HSA Your own HSA contributions are either taxshydeductible or preshytax (if made by payroll deduction) See IRS Publication 969
bull Taxshydeferred interest earned on the account
bull Taxshyfree withdrawals for qualified medical expenses
bull Carryover of unused funds and interest from year to year
bull Portability the account is owned by you and is yours to keep ndash even when you retire leave government service or change plans
Health Reimbursement Arrangement (HRA)
Health Reimbursement Arrangements are a common feature of ConsumershyDriven Health Plans They may be referred to by the health plan under a different name such as personal care account They are also available to enrollees in High Deductible Health Plans who are not eligible for an HSA HRAs are similar to HSAs except
bull An enrollee cannot make deposits into an HRA
bull A health plan may impose a ceiling on the value of an HRA
bull Interest is not earned on an HRA and
bull The amount in an HRA is not transferable if the enrollee leaves the health plan
If you are enrolled in a High Deductible Health Plan with an HRA you may participate in a Health Care Flexible Spending Account (HCFSA)
The plan will credit the HRA different amounts depending on whether you have a Self Only or a Self and Family enrollment You can use funds in your account to help pay your health plan deductible
Features of an HRA include
bull Taxshyfree withdrawals for qualified medical expenses bull Carryover of unused credits from year to year bull Credits in an HRA do not earn interest bull Credits in the HRA are forfeited if you leave federal employment or switch health insurance plans
Please note that the premium rates provided are the maximum amount you are expected to pay for your premium Your tribal employer may choose to pay a higher portion of your premium Please check with your tribal employer for exact rates
61
Appendix E FEHB Plan Comparison Charts
High Deductible and ConsumershyDriven Health Plans With a Health Savings Account or Health Reimbursement Arrangement
ELIGIBILITY
FUNDING
Health Savings Account (HSA)
You must enroll in a High Deductible Health Plan (HDHP) No other general medical insurance coverage is permitted You cannot be enrolled in Medicare Part A or Part B You cannot be claimed as a dependent on someone elsersquos tax returns
The plan deposits a monthly ldquopremium pass throughrdquo into your account
Health Reimbursement Arrangement (HRA)
You must enroll in a High Deductible Health Plan (HDHP)
The plan deposits the credit amount directly into your account
CONTRIBUTIONS
DISTRIBUTIONS
The maximum allowed is a combination of the health plan ldquopremium pass throughrdquo and the member contribution up to the maximum contribution amount set by the IRS each year
May be used to pay the outshyofshypocket medical expenses for yourself your spouse or your dependents (even if they are not covered by the HDHP) or to pay the planrsquos deductible
See IRS Publication 502 for a complete list of eligible expenses
Only that portion of the premium specified by the health plan will be contributed You cannot add your own money to an HRA
May be used to pay the outshyofshypocket expenses for qualified medical expenses for individuals covered under the HDHP or to pay the planrsquos deductible
See IRS Publication 502 for a complete list of eligible expenses
ANNUAL ROLLOVER
PORTABLE Yes you can take this account with you when you change plans separate from service or retire
Yes funds accumulate without a maximum cap
If you retire and remain in your HDHP you may continue to use and accumulate credits in your HRA
If you terminate employment or change health plans only eligible expenses incurred while covered under that HDHP will be eligible for reimbursement subject to timely filing requirements Unused credits are forfeited
Yes credits accumulate without a maximum cap
IMPORTANT REMINDER This is only a summary of the features of the HDHPHSA or HRA Refer to the specific Plan brochure for the complete details covering Plan design operation and administration as each Plan will have differences
62
Appendix E FEHB Plan Comparison Charts
High Deductible and ConsumershyDriven Health Plans With a Health Savings Account or Health Reimbursement Arrangement
The tables on the following pages highlight selected features that may help you narrow your choice of health plans The tables do not show all of your possible outshyofshypocket costs All benefits are subject to the definitions limitations and exclusions set forth in each planrsquos Federal brochure which is the official statement of benefits available under the planrsquos contract with the Office of Personnel Management Always consult plan brochures before making your final decision
A ConsumershyDriven plan provides you with freedom in spending health care dollars the way you want The typical plan has features such as member responsibility for certain upshyfront medical costs an employershyfunded account that you may use to pay these upshyfront costs and catastrophic coverage with a high deductible You and your family receive full coverage for InshyNetwork preventive care
63
Appendix E FEHB Plan Comparison Charts
High Deductible and ConsumershyDriven Health Plans With a Health Savings Account or Health Reimbursement Arrangement
The tables on the following pages highlight what you are expected to pay for selected features under each plan The charts are not a complete statement of your outshyofshypocket obligations in every individual circumstance Unlike many regular medical plans the covered outshyofshypocket expenses under a High Deductible Health Plan including office visit copayments and prescription drug copayments count toward the calendar year deductible and the catastrophic limit You must read the planrsquos brochure for details
Premium Contribution (pass through) to HSAHRA (or personal care account) shows the amount your health plan automatically deposits or credits into your account on a monthly basis for Self OnlySelf and Family enrollments (ConsumershyDriven Health Plans credit accounts annually) The amount credited under ldquoPremium Contributionrdquo is shown as a monthly amount for comparison purposes only
Calendar Year (CY) Deductible SelfFamily is the maximum amount of covered expenses an individual or family must pay outshyofshypocket including deductibles coinsurance and copayments before the plan pays catastrophic benefits
Catastrophic (Cat) Limit SelfFamily is the maximum amount of covered expenses an individual or family must pay outshyofshypocket including deductibles and coinsurance and copays before the Plan pays catastrophic benefits
Office Visit shows what you pay for a visit to a primary care physician after the deductible is met for other than preventive care
Inpatient Hospital shows what you pay after the deductible is met for hospital services when an inpatient The amount could be a daily copayment up to a specified amount (eg $50 a day up to three days) a coinsurance amount such as 20 or a flat deductible amount (eg $200 per admission) This amount does not include charges from physicians or for services that may not be charged by the hospital such as laboratory or radiology
Your Maximum Monthly Premium is the maximum amount you will pay for your premium Your tribal employer may choose to pay a higher portion of your premium Check with your tribal employer for exact rates
Temporary Continuation of Coverage (TCC) allows former tribal employees and formerly eligible family members to continue their FEHB coverage for a limited period Under TCC you pay the total monthly premium (enrolleersquos share plus the tribal employerrsquos share) plus a 2 administrative charge which equals 102 of Your Total Monthly Premium
Plan Name Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
APWU Health Plan shyCDHPshy Nationwide
GEHA High Deductible Health Plan shyHDHPshy Nationwide
MHBP shy Consumer Option shyHDHPshy Nationwide
NALC shyCDHPshy Nationwide
800shy718shy1299
800shy821shy6136
800shy694shy9901
888shy636shy6252
474 475
341 342
481 482
324 325
9742 21915
11021 25172
13642 30912
10454 22700
39747 89414
44967 102703
55661 126120
42653 92617
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
64
Appendix E FEHB Plan Comparison Charts
High Deductible and ConsumershyDriven Health Plans With a Health Savings Account or Health Reimbursement Arrangement
20 or a flat deductible amount (eg $200 per admission) This amount does not include charges from physicians or for services that may not be charged by the hospital such as laboratory or radiology
Outpatient Surgery shows what you pay the doctor for surgery performed on an outpatient basis
Preventive Services are often covered in full usually with no or only a small deductible or copayment Preventive services may also be payable up to an annual maximum dollar amount (eg up to $300 per person per year)
Prescription Drug Payment Levels Plans use terms such as Level (L I L II) or Tier (T1 T2) to show what you pay for generic or brand name prescription drugs The payment levels that plans use follow L I or Tier 1 includes generic drugs but may include some preferred brands L II or Tier 2 includes preferred brands and may include some generics L III or Tier 3 includes nonshypreferred brands other covered drugs and with some exceptions specialty drugs L IV or Tier 4 includes mostly preferred specialty drugs L V or Tier 5 generally includes nonshypreferred specialty drugs
High Deductible Health Plans and Consumer shy Driven Health Plans are much different from the other types of plans shown in this Guide You can use inshynetwork providers to save money If you use outshyofshynetwork providers however you not only pay more of the costs but you are also usually responsible for any difference between the amount billed for a service and what the plan actually allows (For example you receive a bill from an outshyofshynetwork provider for $100 but the plan allows $85 for the service You pay the higher copayment for outshyofshynetwork care plus the $15 difference between $100 ndash the billed amount ndash and the planrsquos allowance of $85) In addition the difference you pay between the billed amount and the planrsquos allowance does not count toward satisfying the catastrophic limit
Plan Name Benefit Premium CY Ded Cat Limit Office Inpatient Outpatient Preventive Prescription Type Contribution SelfFamily SelfFamily Visit Hospital Surgery Services Drugs
SelfFamily Levels I II III
APWU Health Plan InshyNetwork $1200$2400 $600$1200 $3000$4500 15 None 15 Nothing 252525 APWU Health Plan OutshyNetwork $1200$2400 $600$1200 $9000$9000 40+diff None 40+diff Nothing up to $1200 Not CoveredNANA
GEHA HDHP InshyNetwork $6250$125 $1500$3000 $5000$10000 5 5 5 Nothing 252525 GEHA HDHP OutshyNetWork $6250$125 $1500$3000 $5000$10000 25 25 25 Ded25 25+25+25+
MHBP shy Consumer Option InshyNetwork $70$141 $2000$4000 $5000$10000 $15 $75 dayshy$750 Nothing Nothing $10$25$40 MHBP shy Consumer Option OutshyNetWork $70$141 $2000$4000 $7500$15000 40 40 40 Not Covered Not Covered
NALC InshyNetwork $1200$2400 $2000$4000 $4000$8000 20 20 20 Nothing $10$40$60 NALC OutshyNetwork $1200$2400 $4000$8000 $8000$16000 50 50 50 50 505050+
65
High Deductible Health Plans and ConsumershyDriven Health Plan Member Survey Results
Member Survey results are collected scored and reported by an independent organization ndash not by the health plans See Appendix D for a fuller explanation of each survey category
Overall Plan Satisfaction bull How would you rate your overall experience with your health plan
Getting Needed Care bull How often was it easy to get an appointment the care tests or treatment you thought you needed through your health plan
Getting Care Quickly bull When you needed care right away how often did you get care as soon as you thought you needed bull Not counting the times you needed care right away how often did you get an appointment at a doctorrsquos office or clinic
as soon as you thought you needed
How Well Doctors bull How often did your personal doctor explain things in a way that was easy to understand Communicate bull How often did your personal doctor listen carefully to you show respect for what you had to say and spend enough time with you
Customer Service bull How often did written materials or the Internet provide the information you needed about how your health plan works bull How often did your health planrsquos customer service give you the information or help you needed bull How often were the forms from your health plan easy to fill out
Claims Processing bull How often did your health plan handle your claims quickly and correctly
Plan Information on Costs bull How often were you able to find out from your health plan how much you would have to pay for a health care service or equipment or for specific prescription drug medicines
Aetna HealthFund shy Nationwide 22
GEHA High Deductible Health Plan shy Nationwide 34
Mail Handlers Benefit Plan Consumer Option shy Nationwide 48
Aetna HealthFund shy Nationwide 22
APWU Health Plan shy Nationwide 47
Humana CoverageFirst shy TX TP TU TV
Humana Coverage First shy IN MW
High Deductible Health Plans Plan Name
Plan Code
ConsumershyDriven Health Plans Plan Name
Plan Code
HDHP National Average
CDHP National Average
614
606
623
614
579
606
664
566
478
Overall plan satisfaction
Overall plan satisfaction
885 866 929 860
891 888 952 830
873 851 923 863
891 859 912 887
881 865 939 850
891 888 952 830
909 907 925 871
849 864 932 843
875 801 948 856
Getting needed care
Getting care quickly
How well doctors
communicate Customer service
Member Survey Results
Getting needed care
Getting care quickly
How well doctors
communicate Customer service
876
879
865
885
847
879
845
853
812
Claims processing
Claims processing
585
563
602
590
585
563
680
542
555
Plan Information on Costs
Plan Information on Costs
66
The tables on the following pages highlight selected features that may help you narrow your choice of health plans The tables do not show all of your possible outshyofshypocket costs All benefits are subject to the definitions limitations and exclusions set forth in each planrsquos Federal brochure which is the official statement of benefits available under the planrsquos contract with the Office of Personnel Management Always consult plan brochures before making your final decision
67
High Deductible and ConsumershyDriven Health Plans See pages 64shy65 for an explanation of the columns on these pages
Plan Name
Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Aetna HealthFund shyHDHPshy All 50 States and DC 877shy459shy6604 224 225 11856 25965 48372 105938
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Alabama
Aetna HealthFund shyCDHPshy Most of Alabama
Alaska
Aetna HealthFund shyCDHPshy Most of Alaska
Arizona
Aetna HealthFund shyCDHPshy All of Arizona
Arkansas
Aetna HealthFund shyCDHPshy Most of Arkansas
California
Aetna HealthFund shyCDHPshy Most of California
Colorado
Aetna HealthFund shyCDHPshy All of Colorado
Plan Name
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
Telephone Number
Enrollment Code
F51
JS1
G51
F51
JS1
G51
Self only
F52
JS2
G52
F52
JS2
G52
Self amp family
16322
22787
21977
16322
22787
21977
Self only
39021
53701
51861
39021
53701
51861
Self amp family
60115
66709
65883
60115
66709
65883
Self only
136516
151489
149613
136516
151489
149613
Self amp family
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
68
Plan Name
Benefit Type
Premium Contribution to HSAHRA
CY Ded SelfFamily
Cat Limit SelfFamily
Office Visit
Inpatient Hospital
Outpatient Surgery
Preventive Services
Prescription Drugs
Levels I II III
Aetna HealthFund HDHP InshyNetwork $6250$125 $1500$3000 $4000$8000 10 10 10 Nothing $10$35$60 Aetna HealthFund HDHP OutshyNetWork $6250$125 $2500$5000 $5000$10000 30 30 30 Ded30 30+30+30+
Premium Benefit CY Ded Cat Limit Office Inpatient Outpatient Preventive Prescription Contribution Type SelfFamily SelfFamily Visit Hospital Surgery Services Drugs to HSAHRA Levels I II III Plan Name
Alabama
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Alaska
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed4040+40+40+
Arizona
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Arkansas
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
California
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Colorado
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
69
High Deductible and ConsumershyDriven Health Plans See pages 64shy65 for an explanation of the columns on these pages
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Connecticut
Aetna HealthFund shyCDHPshy All of Connecticut
Delaware
Aetna HealthFund shyCDHPshy All of Delaware
District of Columbia
Aetna HealthFund shyCDHPshy All of Washington DC
CareFirst BlueChoice shyHDHPshy Washington DC Metro Area
Florida
Aetna HealthFund shyCDHPshy Most of Florida
Coventry Health Plan of Florida shyHDHPshy Southern Florida
Humana CoverageFirst shyCDHPshy Tampa Area
Humana CoverageFirst shyCDHPshy South Florida Area
Georgia
Aetna HealthFund shyCDHPshy All of Georgia
Humana CoverageFirst shyCDHPshy Atlanta Area
Humana CoverageFirst shyCDHPshy Macon Area
Guam
TakeCare shyHDHPshy GuamN Mariana IslandsBelau (Palau)
Plan Name
877shy459shy6604
877shy459shy6604
877shy459shy6604
888shy789shy9065
877shy459shy6604
800shy441shy5501
888shy393shy6765
888shy393shy6765
877shy459shy6604
888shy393shy6765
888shy393shy6765
671shy647shy3526
Telephone Number
Enrollment Code
EP1
EP1
F51
B61
F51
J41
MJ1
QP1
F51
AD1
LM1
KX1
Self only
EP2
EP2
F52
B62
F52
J42
MJ2
QP2
F52
AD2
LM2
KX2
Self amp family
20174
20174
16322
14018
16322
13979
12818
10987
16322
11598
12208
6822
Self only
47770
47770
39021
31268
39021
43929
28521
24447
39021
25804
27163
17900
Self amp family
64044
64044
60115
57192
60115
57033
52297
44828
60115
47321
49809
27833
Self only
145440
145440
136516
127574
136516
141522
116366
99744
136516
105282
110827
73032
Self amp family
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
70
Premium Benefit CY Ded Cat Limit Office Inpatient Outpatient Preventive Prescription Contribution Type SelfFamily SelfFamily Visit Hospital Surgery Services Drugs to HSAHRA Levels I II III Plan Name
Connecticut
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Delaware
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
District of Columbia
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
CareFirst BlueChoice InshyNetwork $3750$7500 $1500$3000 $4000$8000 Nothing $300 Nothing Nothing Nothing$30$60 CareFirst BlueChoice OutshyNetWork $3750$7500 $3000$6000 $6000$12000 $70 $500 $70 Nothing Nothing$30$60
Florida
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Coventry Health Plan of Florida $8334$16667 $2500$5000 $5000$10000 $10 Ded+20 Ded+20 Nothing $5$35$5020
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst outshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst outshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Georgia
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst outshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst outshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Guam
TakeCare InshyNetwork $8666$22208 $3000$6000 $5000$10000 20 after Ded 20 after Ded 20 after Ded Nothing $20$40$150 30 after Ded30 after Ded TakeCare OutshyNetWork $8666$22208 $3000$6000 $10000$20000 30 after Ded 30 after Ded 30 after Ded 1st $300ded 30 after Ded
71
High Deductible and ConsumershyDriven Health Plans See pages 64shy65 for an explanation of the columns on these pages
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Hawaii Aetna HealthFund shyCDHPshy All of Hawaii
Idaho
Aetna HealthFund shyCDHPshy Most of Idaho
Altius Health Plans shyHDHPshy Southern Region
Illinois
Aetna HealthFund shyCDHPshy Most of Illinois
Humana CoverageFirst shyCDHPshy Central Illinois
Humana CoverageFirst shyCDHPshy Chicago Area
Indiana
Aetna HealthFund shyCDHPshy All of Indiana
Humana CoverageFirst shyCDHPshy LakePorterLaPorte Counties
Iowa
Aetna HealthFund shyCDHPshy All of Iowa
Coventry Health Care of Iowa shyHDHPshy CentralEasternWestern Iowa
Kansas
Aetna HealthFund shyCDHPshy Most of Kansas
Coventry Health Care of Iowa shyHDHPshy CentralEasternWestern Iowa
Humana CoverageFirst shyCDHPshy Kansas City Area
Plan Name
877shy459shy6604
877shy459shy6604
800shy377shy4161
877shy459shy6604
888shy393shy6765
888shy393shy6765
877shy459shy6604
888shy393shy6765
877shy459shy6604
800shy257shy4692
877shy459shy6604
800shy969shy3343
888shy393shy6765
Telephone Number
Enrollment Code
JS1
H41
9K4
H41
GB1
MW1
JS1
MW1
H41
SV4
G51
9H1
PH1
Self only
JS2
H42
9K5
H42
GB2
MW2
JS2
MW2
H42
SV5
G52
9H2
PH2
Self amp family
22787
16237
8704
16237
12208
12208
22787
12208
16237
8970
21977
12747
10987
Self only
53701
38826
18033
38826
27163
27162
53701
27162
38826
21408
51861
29956
24447
Self amp family
66709
60028
35514
60028
49809
49809
66709
49809
60028
36598
65883
52008
44828
Self only
151489
13631
73576
136317
110827
110823
151489
110823
136317
87344
149613
122219
99744
Self amp family
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
72
Premium Benefit CY Ded Cat Limit Office Inpatient Outpatient Preventive Prescription Contribution Type SelfFamily SelfFamily Visit Hospital Surgery Services Drugs to HSAHRA Levels I II III Plan Name
Hawaii Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Idaho
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Altius Health Plans $4583$9166 $1250$2500 $5000$10000 $20 10 10 Nothing $7$25$50
Illinois
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirs outshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst outshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Indiana
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst outshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Iowa
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Coventry Health Care of Iowa $8333$16666 $2100$4200 $5000$10000 $25 15 45 Nothing $3 $10$45$70
Kansas
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Coventry Health Care of Kansas (Kansas City)shyHDHP $6666$13333 $2500$5000 $4000$8000 20 20 20 Nothing 202020
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst outshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
73
High Deductible and ConsumershyDriven Health Plans See pages 64shy65 for an explanation of the columns on these pages
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Kentucky
Aetna HealthFund shyCDHPshy Most of Kentucky
Humana CoverageFirst shyCDHPshy Lexington Area
Louisiana
Aetna HealthFund shyCDHPshy Most of Louisiana
Maine
Aetna HealthFund shyCDHPshy All of Maine
Maryland
Aetna HealthFund shyCDHPshy All of Maryland
CareFirst BlueChoice shyHDHPshy All of Maryland
Coventry Health Care HDHP shy All of Maryland
Massachusetts
Aetna HealthFund shyCDHPshy Most of Massachusetts
Michigan
Aetna HealthFund shyCDHPshy All of Michigan
Minnesota
Aetna HealthFund shyCDHPshy Most of Minnesota
Mississippi Aetna HealthFund shyCDHPshy Most of Mississippi
Plan Name
877shy459shy6604
888shy393shy6765
877shy459shy6604
877shy459shy6604
877shy459shy6604
888shy789shy9065
800shy833shy7423
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
Telephone Number
Enrollment Code
H41
6N1
F51
EP1
F51
B61
GZ1
EP1
G51
H41
H41
Self only
H42
6N2
F52
EP2
F52
B62
GZ2
EP2
G52
H42
H42
Self amp family
16237
10987
16322
20174
16322
14018
11980
20174
21977
16237
16237
Self only
38826
24447
39021
47770
39021
31268
26835
47770
51861
38826
38826
Self amp family
60028
44828
60115
64044
60115
57192
48880
64044
65883
60028
60028
Self only
136317
99744
136516
145440
136516
127574
109488
145440
149613
136317
136317
Self amp family
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
74
Premium Benefit CY Ded Cat Limit Office Inpatient Outpatient Preventive Prescription Contribution Type SelfFamily SelfFamily Visit Hospital Surgery Services Drugs to HSAHRA Levels I II III Plan Name
Kentucky
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst outshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Louisiana
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Maine
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Maryland
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
CareFirst BlueChoice InshyNetwork $3750$7500 $1500$3000 $4000$8000 Nothing $300 Nothing Nothing Nothing$30$60 CareFirst BlueChoice
Coventry Health Care HDHP
OutshyNetWork
InshyNetwork
$3750$7500
$4167$8334
$3000$6000
$2000$4000
$6000$12000
$4000$8000
$70
Nothing
$500
Nothing
$70
Nothing
Nothing
Nothing
Nothing$30$60
$3$15$30$60 Coventry Health Care HDHP OutshyNetWork $4167$8334 $2000$4000 $4000$8000 30 30 30 30 NA
Massachusetts
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Michigan
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Minnesota
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Mississippi Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
75
High Deductible and ConsumershyDriven Health Plans See pages 64shy65 for an explanation of the columns on these pages
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Missouri Aetna HealthFund shyCDHPshy Most of Missouri
Humana CoverageFirst shyCDHPshy Kansas City Area
Montana
Aetna HealthFund CDHP shy SouthSoutheastWestern MT Areas
Nebraska
Aetna HealthFund shyCDHPshy All of Nebraska
Nevada
Aetna HealthFund shyCDHPshy Las Vegas Area
New Hampshire
Aetna HealthFund shyCDHPshy All of New Hampshire
New Jersey
Aetna HealthFund shyCDHPshy All of New Jersey
New Mexico
Aetna HealthFund shyCDHPshy AlbuquerqueDona AnaHobbs Area
New York
Aetna HealthFund shyCDHPshy Most of New York
Independent Health Assoc shyHDHPshy Western New York
Plan Name
Coventry Health Care of Kansas (Kansas City)shyHDHP Kansas City Metro Area (KS and MO)
877shy459shy6604
800shy969shy3343
888shy393shy6765
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
800shy501shy3439
Telephone Number
Enrollment Code
G51
9H1
PH1
H41
H41
G51
EP1
EP1
G51
EP1
QA4
Self only
G52
9H2
PH2
H42
H42
G52
EP2
EP2
G52
EP2
QA5
Self amp family
21977
12747
10987
16237
16237
21977
20174
20174
21977
20174
9575
Self only
51861
29956
24447
38826
38826
51861
47770
47770
51861
47770
24919
Self amp family
65883
52008
44828
60028
60028
65883
64044
64044
65883
64044
39066
Self only
149613
122219
99744
136317
136317
149613
145440
145440
149613
145440
101669
Self amp family
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
76
Premium Benefit CY Ded Cat Limit Office Inpatient Outpatient Preventive Prescription Contribution Type SelfFamily SelfFamily Visit Hospital Surgery Services Drugs to HSAHRA Levels I II III Plan Name
Missouri Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Coventry Health Care of Kansas (Kansas City)shyHDHP $8333$16666 $2500$5000 $3500$7000 20 20 20 Nothing 202020
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst OutshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Montana
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Nebraska
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Nevada
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
New Hampshire
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
New Jersey
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
New Mexico
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
New York
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Independent Health Assoc InshyNetwork $6642$16667 $2000$4000 $5000$10000 $15 Nothing 20 Nothing $7$25$40 Independent Health Assoc OutshyNetWork $6642$16667 $2000$4000 $5000$10000 40 40 40 Nothing NA
77
High Deductible and ConsumershyDriven Health Plans See pages 64shy65 for an explanation of the columns on these pages
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
North Carolina
Aetna HealthFund shyCDHPshy All of North Carolina
North Dakota
Aetna HealthFund shyCDHPshy Most of North Dakota
Ohio Aetna HealthFund shyCDHPshy All of Ohio
AultCare HMO shyHDHPshy StarkCarrollHolmesTuscarawasWayne Co
Oklahoma Aetna HealthFund shyCDHPshy All of Oklahoma
Oregon Aetna HealthFund shyCDHPshy Most of Oregon
Pennsylvania
Aetna HealthFund shyCDHPshy All of Pennsylvania
HealthAmerica Pennsylvania shy HDHP shy Greater Pittsburgh Area
UPMC Health Plan shyHDHPshy Western Pennsylvania
Rhode Island
Aetna HealthFund shyCDHPshy All of Rhode Island
South Carolina
Aetna HealthFund shyCDHPshy All of South Carolina
Plan Name
877shy459shy6604
877shy459shy6604
877shy459shy6604
330shy363shy6360
877shy459shy6604
877shy459shy6604
877shy459shy6604
866shy351shy5946
888shy876shy2756
877shy459shy6604
877shy459shy6604
Telephone Number
Enrollment Code
F51
H41
JS1
3A4
JS1
H41
H41
Y61
8W4
EP1
JS1
Self only
F52
H42
JS2
3A5
JS2
H42
H42
Y62
8W5
EP2
JS2
Self amp family
16322
16237
22787
8669
22787
16237
16237
12298
12448
20174
22787
Self only
39021
38826
53701
17501
53701
38826
38826
28345
28053
47770
53701
Self amp family
60115
60028
66709
35369
66709
60028
60028
50178
50788
64044
66709
Self only
136516
136317
151489
71405
151489
136317
136317
115650
114458
145440
151489
Self amp family
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
78
North Carolina
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
North Dakota
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Ohio Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
AultCare HMO InshyNetwork $8333$16666 $2000$4000 $4000$8000 20 20 20 Nothing 202020 AultCare HMO OutshyNetWork $8333$16666 $4000$8000 $8000$16000 40 UCR 40 UCR 40 UCR 50 UCR
Oklahoma Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Oregon Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Pennsylvania
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
HealthAmerica Pennsylvania shy HDHP $6250$125 $1500$3000 $4000$8000 $15 Nothing Nothing Nothing $5$35$50
UPMC Health Plan InshyNetwork $8333$$16667 $2000$4000 $3000$6000 10after deduct Nothing UPMC Health Plan OutshyNetWork $8333$16667 $2000$4000 $6000$12000 30after deduct 30 NA
Rhode Island
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
South Carolina
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Plan Name
Premium Contribution to HSAHRA
CY Ded SelfFamily
Cat Limit SelfFamily
Office Visit
Inpatient Hospital
Outpatient Surgery
Preventive Services
Prescription Drugs
Levels I II III
Benefit Type
20 Plan Allow20 Plan Allow 20 Plan Allow
$5 after deduct$35 after deduct
10After Deduct
10 after deduct
30After Deduct
30 after deduct
79
High Deductible and ConsumershyDriven Health Plans See pages 64shy65 for an explanation of the columns on these pages
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
South Dakota
Aetna HealthFund shyCDHPshy Rapid CitySioux Falls Area
Tennessee
Aetna HealthFund shyCDHPshy Most of Tennessee
Texas Aetna HealthFund shyCDHPshy All of Texas
Humana CoverageFirst shyCDHPshy Corpus Christi Area
Humana CoverageFirst shyCDHPshy San Antonio Area
Humana CoverageFirst shyCDHPshy Austin Area
Utah Aetna HealthFund shyCDHPshy Most of Utah
Altius Health Plans shyHDHPshy Wasatch Front
Vermont
Aetna HealthFund shyCDHPshy All of Vermont
Virginia Aetna HealthFund shyCDHPshy Most of Virginia
CareFirst BlueChoice shyHDHPshy Northern Virginia
Plan Name
877shy459shy6604
877shy459shy6604
877shy459shy6604
888shy393shy6765
888shy393shy6765
888shy393shy6765
877shy459shy6604
800shy377shy4161
877shy459shy6604
877shy459shy6604
888shy789shy9065
Telephone Number
Enrollment Code
G51
F51
JS1
TP1
TU1
TV1
G51
9K4
EP1
F51
B61
Self only
G52
F52
JS2
TP2
TU2
TV2
G52
9K5
EP2
F52
B62
Self amp family
21977
16322
22787
12208
12208
13429
21977
8704
20174
16322
14018
Self only
51861
39021
53701
27163
27162
29879
51861
18033
47770
39021
31268
Self amp family
65883
60115
66709
49809
49809
54790
65883
35514
64044
60115
57192
Self only
149613
136516
151489
110827
110823
121906
149613
73576
145440
136516
127574
Self amp family
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
80
Premium Benefit CY Ded Cat Limit Office Inpatient Outpatient Preventive Prescription Contribution Type SelfFamily SelfFamily Visit Hospital Surgery Services Drugs to HSAHRA Levels I II III Plan Name
South Dakota
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Tennessee
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Texas Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst OutshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst OutshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst OutshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Utah Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Altius Health Plans $5208$10415 $1250$2500 $5000$10000 $20 10 10 Nothing $7$25$50
Vermont
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60
Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Virginia Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
CareFirst BlueChoice InshyNetwork $3750$7500 $1500$3000 $4000$8000 Nothing $300 Nothing Nothing Nothing$30$60 CareFirst BlueChoice OutshyNetWork $3750$7500 $3000$6000 $6000$12000 $70 $500 $70 Nothing Nothing$30$60
81
High Deductible and ConsumershyDriven Health Plans See pages 64shy65 for an explanation of the columns on these pages
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Washington Aetna HealthFund shyCDHPshy Most of Washington
KPS Health Plans shyHDHPshy All of Washington
West Virginia Aetna HealthFund shyCDHPshy Most of West Virginia
Wisconsin Aetna HealthFund shyCDHPshy All of Wisconsin
Wyoming
Aetna HealthFund shyCDHPshy All of Wyoming
Altius Health Plans shyHDHPshy Uinta County
Plan Name
877shy459shy6604
800shy552shy7114
877shy459shy6604
877shy459shy6604
877shy459shy6604
800shy377shy4161
Telephone Number
Enrollment Code
G51
L14
F51
JS1
H41
9K4
Self only
G52
L15
F52
JS2
H42
9K5
Self amp family
21977
10262
16322
22787
16237
8704
Self only
51861
22425
39021
53701
38826
18033
Self amp family
65883
41871
60115
66709
60028
35514
Self only
149613
91494
136516
151489
136317
73576
Self amp family
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
82
Washington Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
KPS Health Plans InshyNetwork $6250$125 $1300$2600 $4000$8000 20 None 20 Nothing KPS Health Plans OutshyNetWork $6250$125 $1300$2600 $4000$8000 40 None 40 Not Covered Not Covered
West Virginia Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Wisconsin Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Wyoming
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Altius Health Plans $5208$10415 $1250$2500 $5000$10000 $20 10 10 Nothing $7$25$50
Plan Name
Premium Contribution to HSAHRA
CY Ded SelfFamily
Cat Limit SelfFamily
Office Visit
Inpatient Hospital
Outpatient Surgery
Preventive Services
Prescription Drugs
Levels I II III
Benefit Type
$10$35$50 30day $100 90day
83
______________________________________________________________________________________________________________
Medicaid and the Childrenrsquos Health Insurance Program (CHIP) Offer Free or LowshyCost Health Coverage to Children and Families
If you or your children are eligible for Medicaid or CHIP and you are eligible for health coverage from your employer your State may have a premium assistance program that can help pay for coverage These States use funds from their Medicaid or CHIP programs to help people who are eligible for these programs but also have access to health insurance through their employer If you or your children are not eligible for Medicaid or CHIP you will not be eligible for these premium assistance programs
If you or your dependents are already enrolled in Medicaid or CHIP and you live in a State listed below you can contact your State Medicaid or CHIP office to find out if premium assistance is available
If you or your dependents are NOT currently enrolled in Medicaid or CHIP and you think you or any of your dependents might be eligible for either of these programs you can contact your State Medicaid or CHIP office or dial 1shy877shyKIDS NOW or wwwinsurekidsnowgov to find out how to apply If you qualify you can ask the State if it has a program that might help you pay the premiums for an employershysponsored plan
Once it is determined that you or your dependents are eligible for premium assistance under Medicaid or CHIP as well as eligible under your employer plan your employer must permit you to enroll in your employer plan if you are not already enrolled This is called a ldquospecial enrollmentrdquo opportunity and you must request coverage within 60 days of being determined eligible for premium assistance If you have questions about enrolling in your employer plan you can contact the Department of Labor electronically at wwwaskebsadolgov or by calling tollshyfree 1shy866shy444shyEBSA (3272)
If you live in one of the following States you may be eligible for assistance paying your employer health plan premiums The following list of States is current as of January 31 2013 You should contact your State for further information on eligibility ndash
ALABAMA ndash Medicaid KANSAS ndash Medicaid Website httpwwwmedicaidalabamagov Phone 1shy855shy692shy5447
Website httpwwwkdheksgovhcf Phone 1shy800shy792shy4884
ALASKA ndash Medicaid KENTUCKY ndash Medicaid Website httphealthhssstateakusdpaprogramsmedicaid Phone (Outside of Anchorage) 1shy888shy318shy8890 Phone (Anchorage) 907shy269shy6529
Website httpchfskygovdmsdefaulthtm Phone 1shy800shy635shy2570
ARIZONA ndash CHIP LOUISIANA ndash Medicaid Website httpwwwazahcccsgovapplicants Phone (Outside of Maricopa County) 1shy877shy764shy5437 Phone (Maricopa County) 602shy417shy5437
Website httpwwwlahippdhhlouisianagov Phone 1shy888shy695shy2447
COLORADO ndash Medicaid MAINE ndash Medicaid Medicaid Website httpwwwcoloradogov Medicaid Phone (In state) 1shy800shy866shy3513 Medicaid Phone (Out of state) 1shy800shy221shy3943
Website httpwwwmainegovdhhsofipublicshyassistanceindexhtml Phone 1shy800shy977shy6740 TTY 1shy800shy977shy6741
FLORIDA ndash Medicaid MASSACHUSETTS ndash Medicaid and CHIP Website httpswwwflmedicaidtplrecoverycom Phone 1shy877shy357shy3268
Website httpwwwmassgovMassHealth Phone 1shy800shy462shy1120
GEORGIA ndash Medicaid MINNESOTA ndash Medicaid Website httpdchgeorgiagov Click on Programs then Medicaid then Health Insurance Premium Payent (HIPP) Phone 1shy800shy869shy1150
Website httpwwwdhsstatemnus Click on Health Care then Medical Assistance Phone 1shy800shy657shy3629
IDAHO ndash Medicaid and CHIP MISSOURI ndash Medicaid Medicaid Website wwwaccesstohealthinsuranceidahogov Medicaid Phone 1shy800shy926shy2588 CHIP Website wwwmedicaididahogov CHIP Phone 1shy800shy926shy2588
Website httpwwwdssmogovmhdparticipantspageshipphtm Phone 573shy751shy2005
INDIANA ndash Medicaid MONTANA ndash Medicaid Website httpwwwingovfssa Phone 1shy800shy889shy9949
Website httpmedicaidproviderhhsmtgovclientpages clientindexshtml Phone 1shy800shy694shy3084
IOWA ndash Medicaid NEBRASKA ndash Medicaid Website wwwdhsstateiaushipp Phone 1shy888shy346shy9562
Website wwwACCESSNebraskanegov Phone 1shy877shy383shy4278
84
Medicaid and the Childrenrsquos Health Insurance Program (CHIP) Offer Free or LowshyCost Health Coverage to Children and Families
NEVADA ndash Medicaid SOUTH CAROLINA ndash Medicaid Medicaid Website httpdwssnvgov Medicaid Phone 1shy800shy992shy0900
Website httpwwwscdhhsgov Phone 1shy888shy549shy0820
NEW HAMPSHIRE ndash Medicaid SOUTH DAKOTA ndash Medicaid Website httpwwwdhhsnhgovoiidocumentshippapppdf Phone 603shy271shy5218
Website httpdsssdgov Phone 1shy888shy828shy0059
NEW JERSEY ndash Medicaid and CHIP TEXAS ndash Medicaid Medicaid Website httpwwwstatenjushumanservices dmahsclientsmedicaid Medicaid Phone 609shy631shy2392 CHIP Website httpwwwnjfamilycareorgindexhtml CHIP Phone 1shy800shy701shy0710
Website httpswwwgethipptexascom Phone 1shy800shy440shy0493
NEW YORK ndash Medicaid UTAH ndash Medicaid and CHIP Website httpwwwnyhealthgovhealth_caremedicaid Phone 1shy800shy541shy2831
Website httphealthutahgovupp Phone 1shy866shy435shy7414
NORTH CAROLINA ndash Medicaid VERMONTndash Medicaid Website httpwwwncdhhsgovdma Phone 919shy855shy4100
Website httpwwwgreenmountaincareorg Phone 1shy800shy250shy8427
NORTH DAKOTA ndash Medicaid VIRGINIA ndash Medicaid and CHIP Website httpwwwndgovdhsservicesmedicalservmedicaid Phone 1shy800shy755shy2604
Medicaid Website httpwwwdmasvirginiagovrcpshyHIPPhtm Medicaid Phone 1shy800shy432shy5924 CHIP Website httpwwwfamisorg CHIP Phone 1shy866shy873shy2647
OKLAHOMA ndash Medicaid and CHIP WASHINGTON ndash Medicaid Website httpwwwinsureoklahomaorg Phone 1shy888shy365shy3742
Website httphrsadshswagovpremiumpymtApplyshtm Phone 1shy800shy562shy3022 ext 15473
OREGON ndash Medicaid and CHIP WEST VIRGINIA ndash Medicaid Website httpwwworegonhealthykidsgov httpwwwhijossaludablesoregongov Phone 1shy877shy314shy5678
Website wwwdhhrwvgovbms Phone 1shy877shy598shy5820 HMS Third Party Liability
PENNSYLVANIA ndash Medicaid WISCONSIN ndash Medicaid Website httpwwwdpwstatepaushipp Phone 1shy800shy692shy7462
Website httpwwwbadgercareplusorgpubspshy10095htm Phone 1shy800shy362shy3002
RHODE ISLAND ndash Medicaid WYOMING ndash Medicaid Website wwwohhsrigov Phone 401shy462shy5300
Website httphealthwyogovhealthcarefinequalitycare Phone 307shy777shy7531
To see if any more States have added a premium assistance program since January 31 2013 or for more information on special enrollment rights you can contact either
US Department of Labor Employee Benefits Security Administration wwwdolgovebsa 1shy866shy444shyEBSA (3272)
US Department of Health and Human Services Centers for Medicare amp Medicaid Services wwwcmshhsgov 1shy877shy267shy2323 Ext 61565
OMB Control Number 1210shy0137 (expires 09302013)
85
Introduction to the Federal Employees Health Benefits (FEHB) Program and this Guide
The Indian Health Care Improvement Act (IHCIA) section 409 ldquoAccess to Federal Insurancerdquo under the Patient Protection and Affordable Care Act (ACA) extends entitlement to purchase coverage in the FEHB Program to the following groups (hereinafter tribal employer)
1) Indian tribes or tribal organizations carrying out programs under the Indian SelfshyDetermination and Education Assistance Act and
2) Urban Indian organizations carrying out programs under title V of the Indian Health Care Improvement Act
The purpose of this Guide is to provide you basic information about the benefits offered to you as the tribal employee of a tribal employer that has chosen to participate in the FEHB Program This Guide will assist you with the process of selecting and enrolling in a plan that meets your health care needs during any of the following events
bull Initial Enrollment Opportunity bull Annual Open Season bull Qualifying Life Events bull Becoming eligible for Temporary Continuation of Coverage
Things to consider
1) See pages 3 and 4 for general information on FEHB (including eligibility) and Appendix B for guidance on choosing a plan
2) If you decide to enroll examine the brochure of each plan you are interested in to ensure the benefits and premiums meet your needs and the plan is available in your geographic area and
3) Contact your tribal employer for information on how to enroll
How do I get more information about this Program
Visit the FEHB Program online at wwwopmgovhealthcareshyinsuranceindianshytribeshealthshyinsurance for information including
bull How to compare health plans and choose the one that meets your needs bull Health plan websites and plan brochures bull Getting quality healthcare bull Medicare and FEHB
2
bull
Federal Employees Health Benefits (FEHB) Program
What does this Program offer
The FEHB Program offers a wide variety of plans and coverage to help you meet your health care needs It is group coverage available to eligible tribal employers that have chosen to participate in the FEHB Program for their eligible tribal employees It also covers eligible family members of those tribal employees If you leave tribal employment the FEHB Program offers Temporary Continuation of Coverage (TCC) as well as an opportunity to convert your enrollment to nonshygroup (private) coverage Please refer to the TCC section in this Guide for more details
Appendix E includes a comparison chart of all the plans in the FEHB Program with information comparing basic benefits and costs
Key FEHB Program facts
bull You can choose from FeeshyforshyService plans or Health Maintenance Organization plans with comprehensive coverage and higher premiums or ConsumershyDriven and High Deductible plans that offer catastrophic risk protection with higher deductibles health savingsreimbursement accounts and lower premiums
bull There are no waiting periods and no preshyexisting condition limitations even if you change plans
bull All nationwide FEHB plans offer international coverage
bull There are separate andor different provider networks for each plan Utilizing an inshynetwork provider may reduce your outshyofshypocket costs
bull FEHB coverage continues each year You do not need to reshyenroll each year If you are happy with your current coverage do nothing Please note that your premiums and benefits may change
bull The FEHB Open Season for Tribal Employees begins on the Monday of the second full work week in November and ends on the Monday of the second full week in December This yearrsquos Open Season is from Monday November 11 2013 through Monday December 9 2013
bull If your tribal employer participates in premium conversion FEHB enrollment changes can only be made during the annual Open Season or if you experience a Qualifying Life Event (QLE) Premium conversion allows tribal employees to use preshytax dollars to pay their FEHB premiums Check with your tribal employer to see if they participate in premium conversion
bull If your tribal employer does not participate in premium conversion or you choose not to participate in premium conversion you may change your FEHB enrollment from Self and Family to Self Only or cancel coverage at any time Other FEHB enrollment changes must be made during the annual Open Season or if you experience a QLE
What enrollment types are available
bull Self Only which covers only the enrolled tribal employee or
bull Self and Family which covers the enrolled tribal employee and all eligible family members
Am I eligible to enroll
You may be eligible if you are employed by a tribal employer that participates in the FEHB Program If your tribal employer has not provided you with information about FEHB enrollment you should contact them for information
3
Federal Employees Health Benefits (FEHB) Program
Which family members are eligible
Family members covered under your Self and Family enrollment are
bull Your spouse (including a valid common law marriage) and
bull Children under age 26 including legally adopted children recognized natural children and stepchildren
ndash Foster children are included if they meet certain requirements
ndash A child age 26 or over who is incapable of selfshysupport because of a mental or physical disability that
existed before age 26 is also an eligible family member
Contact your tribal employer for additional information In determining whether the child is a covered
family member your tribal employer will look at the childrsquos relationship to you as an FEHB enrollee
How much does it cost
The premiums for your FEHB enrollment are shared by you and your tribal employer Your tribal employer pays at a minimum the lesser of 72 of the average total premium of all plans weighted by the number of enrollees in each or 75 of the premium for the specific plan you choose If you are a tribal employee of a tribal employer that participates in premium conversion and you have chosen to participate you automatically pay your share of premium through a payroll deduction using preshytax dollars
The charts in Appendix E provide cost information for all plans in the FEHB Program
Please note that the provided rates are the maximum amount you will be required to pay for your premium Your tribal employer may choose to pay a higher portion of your premium Check with your tribal employer for exact rates You may have other outshyofshypocket costs in addition to your premium such as copays coinsurance and deductibles
When can I enroll or change my FEHB enrollment
If you are employed by a tribal employer that has recently elected to purchase health insurance through the FEHB Program you now have an opportunity to enroll in coverage Your tribal employer will provide you with the exact dates of your Initial Enrollment Opportunity and your effective date of coverage
If you chose not to enroll during the Initial Enrollment Opportunity you may also enroll 1) during the annual Open Season held from the Monday of the second full work week in November through the Monday of the second full work week in December (this yearrsquos Open Season is from November 11 through December 9 2013) or 2) if you have a qualifying life event (QLE)
If you participate in premium conversion you may enroll change your enrollment type change plans or cancel outside of Open Season only if you experience a QLE such as a change in family or other insurance coverage status Appendix C contains more specific information about QLEs that permit tribal employees to enroll or change enrollment in the FEHB Program However if you do not participate in premium conversion you may change your enrollment type from Self and Family to Self Only or cancel coverage at any time
How do I enroll or change my FEHB enrollment
You must enroll or change your FEHB enrollment by completing the Health Benefits Election Form (SF 2809) This form is available on our website at wwwopmgovformspdf_fillsf2809pdf You can find information and guidance on the SF 2809 at wwwopmgovhealthcareshyinsuranceindianshytribesreferenceshymaterialsenrollmentshyformshy2809shyemployeeshyguidancepdf Contact your tribal employer for details
4
Temporary Continuation of Coverage (TCC)
This section provides basic information about the Temporary Continuation of Coverage (TCC) provisions of the FEHB Program
What does TCC offer
TCC allows former tribal employees and formerly eligible family members to continue their FEHB Program coverage for a limited period TCC offers the same FEHB coverage and benefits that are available to tribal employees
Who is Eligible for TCC
Individuals eligible for TCC include
bull Former tribal employees whose FEHB coverage ended because they separated from tribal employment (including retirement) unless they were separated for gross misconduct
bull Children who lose coverage under a Self and Family FEHB enrollment of a current or former tribal employee because they are no longer considered eligible family members and
bull Former (divorced) spouses who lose coverage under a Self and Family FEHB enrollment of a current or former tribal employee
Which family members are eligible
Family members covered under your Self and Family TCC enrollment include
bull Your spouse (including a valid common law marriage)
bull Children under age 26 including recognized natural children legally adopted children and
stepchildren Foster children are included if they meet certain requirements
bull Your child age 26 or over who is incapable of selfshysupport because of a mental or physical
disability that existed before age 26
Note In determining whether the child is a covered family member your tribal employer will look at the childrsquos relationship to you as an FEHB enrollee
What TCC enrollment types are available
bull Self Only which only covers the TCC enrollee or
bull Self and Family which covers the TCC enrollee and all eligible family members
Note A former (divorced) spousersquos eligible family members are limited to children of both the tribal employee and the former spouse
5
Temporary Continuation of Coverage (TCC)
How much does it cost Under TCC you pay the total monthly premium (enrolleersquos share plus the tribal employerrsquos share) plus a 2 percent administrative charge The charts in Appendix E provide cost information for all plans in the FEHB Program
When can I enroll
Individuals eligible for TCC generally must enroll within 60 days after the qualifying event permitting enrollment or after receiving notice of eligibility from the tribal employer whichever is later The opportunity to elect TCC ends 60 days after the qualifying event if (1) you do not notify your tribal employer within 60 days of your childrsquos loss of coverage or (2) you or your former (divorced) spouse do not notify your tribal employer within 60 days of your divorce
How do I enroll
You must enroll by completing the Health Benefits Election Form (SF 2809) This form is available on our website at wwwopmgovformspdf_fillsf2809pdf You can find information and guidance on the SF 2809 at wwwopmgovhealthcareshyinsuranceindianshytribesreferenceshymaterialsenrollmentshyformshy2809shyemployeeshyguidancepdf
If you are a former tribal employee contact your tribal employer If you are a child contact the tribal employer of your parent who is the FEHB enrollee If you are a former (divorced) spouse contact the tribal employer of your former spouse
When can I change my TCC enrollment Former tribal employees children andor former (divorced) spouses with an existing TCC enrollment may change their enrollment during the annual Open Season or based upon a qualifying life event (QLE) A QLE is a term defined by OPM to describe events that may allow you to change your FEHB enrollment
A complete listing of QLEs can be found in Table 4 of the Tables of Permissible Changes of the SF 2809 at wwwopmgovformspdf_fillsf2809pdf
Be aware this information only applies to individuals with an existing TCC enrollment and that time limits apply for requesting changes
6
Temporary Continuation of Coverage (TCC)
When does my TCC coverage end
If you are a former tribal employee TCC ends on the date that is 18 months after the date of your separation from tribal employment
If you are a child TCC ends on the date that is 36 months from the date you cease being an eligible family member for FEHB purposes
If you are a former (divorced) spouse TCC ends on the date that is 36 months from the date you cease being an eligible family member for FEHB purposes
Note As a TCC enrollee you may voluntarily cancel your TCC enrollment at any time However once your cancellation takes effect you cannot reenroll in the FEHB Program You will not be entitled to a 31shyday extension of coverage for conversion to a nonshygroup (private) policy Family members who lose coverage upon your cancellation may enroll only if they are eligible for FEHB in their own right as tribal employees
If your TCC enrollment terminates because you acquire other FEHB coverage and that coverage ends before your original TCC eligibility period ends you may reenroll for the time remaining until your original TCC ending date
How do I get more information about TCC
Visit FEHB online at wwwopmgovhealthcareshyinsuranceindianshytribeshealthshyinsurance for more information about Temporary Continuation of Coverage
7
FEHB Program Health Information Technology and PriceCost Transparency
Did You Knowhellip Health Information Technology can improve your health
What is Health Information Technology Health Information Technology (HIT) allows doctors and hospitals to manage medical information and to securely exchange information among patients and providers In a variety of ways HIT has a demonstrated benefit in improving health care quality preventing medical errors reducing costs and decreasing paperwork
What are examples of HIT at work
bull You can go online to review your medical pharmacy and laboratory claims information
bull If you complete a Health Risk Assessment (HRA) your health plan can identify you as a candidate for case management or disease management and offer suggestions on healthy lifestyle strategies and how to reduce or eliminate health risks Health plans can provide you with tips and educational material about good health habits information about routine care that is age and gender appropriate
bull Physicians can have the very best clinical guidelines at their fingertips for managing and treating diseases
bull While with a patient a physician can enter a prescription on a computer where potential allergies and adverse reactions are shown immediately
bull Computer alerts are sent to physicians to remind them of a patientrsquos preventive care needs and to track referrals and test results
One feature of HIT is the Personal Health Record (PHR) The electronic version of your medical records allows you to maintain and manage health information for yourself and your family in a private and secure electronic environment Some health plans include your medical claims data in your PHR which gives a more complete picture of your health status and history
You can also find a PHR on OPMrsquos website at wwwopmgovhealthcareshyinsurancespecialshyinitiativesmanagingshymyshyownshyhealth This PHR is a fillable and downloadable form that you complete yourself and save on your home computer We encourage you to take a look at this PHR option and if you determine it will fulfill your recordshykeeping needs take advantage of this opportunity
Pricecost transparency is another element of health information technology For example many health plans allow you to use online tools that will show what the plan will pay on average for a specific procedure or for a specific prescription drug You can also review healthcare quality indicators for physician and hospital services
The health plans listed on our HIT website at wwwopmgovhealthcareshyinsurancehealthcarereferenceshymaterialsurl=HIT have taken steps to help you become a better consumer of health care and have met OPMrsquos HIT quality and pricecost transparency standards
No one is more responsible for your health care than you ndash HIT tools can help
8
Appendix A FEHB Program Features
No waiting periods You can use your benefits as soon as your coverage becomes effective There are no preshyexisting condition limitations
A choice of coverage You can choose Self Only coverage just for you or Self and Family coverage for you your spouse and children under age 26 Under certain circumstances your FEHB enrollment may cover your disabled child 26 years old or older who is incapable of selfshysupport
A choice of plans and options The FEHB Program offers FeeshyforshyService plans plans offering a PointshyofshyService product Health Maintenance Organizations High Deductible Health Plans and ConsumershyDriven Health Plans
Employing office contributions Your tribal employer pays at a minimum 72 percent of the average premium of all plans toward the total cost of your premium Please check with your tribal employer for exact rates
Salary deductions You pay your share of the premium through a payroll deduction If your tribal employer participates in premium conversion you may choose to pay your share of the FEHB premium with preshytax dollars
Enrollment opportunities Each year you can enroll or change your health plan enrollment during the annual Open Season Open Season runs from the Monday of the second full work week in November to the Monday of the second full work week in December This year Open Season will run from November 11 through December 9 2013 Also certain qualifying life events (QLEs) allow for certain types of changes throughout the year see your tribal employer for details
Continued group coverage The FEHB Program offers continued FEHB coverage bull For you or your family when you move transfer or go on leave without pay or enter military service (certain rules about coverage and premium amounts apply see your tribal employer)
Coverage after FEHB ends The FEHB Program offers temporary continuation of coverage (TCC) and conversion to nonshygroup (private) coverage bull For you and your family if you leave your job or retire bull For your covered child if he or she turns age 26 or bull For your former spouse when you divorce
Coverage for family members if you die Your surviving family members may be eligible to continue coverage as described below bull If you have a Self and Family FEHB enrollment with only a spouse your spouse is eligible for conversion to nonshygroup (private) coverage bull If you have a Self and Family FEHB enrollment with a child or children the child(ren) are eligible for Temporary Continuation of Coverage (TCC) and may cover your spouse Eligible family members may convert to nonshygroup (private) coverage when TCC expires at the end of 36 months
If you lose coverage under the FEHB Program you should automatically receive a Certificate of Group Health Plan Coverage from the last FEHB plan to cover you If not the plan must give you one on request This certificate may be important to qualify for benefits if you join a nonshyFEHB plan
9
Appendix B Choosing an FEHB Plan
What type of health plan is best for you You have some basic questions to answer about how you pay for and access medical care Here are the different types of plans from which to choose
Types of Plans Choice of doctors hospitals pharmacies and other providers
Specialty care Outshyofshypocket costs Paperwork
FeeshyforshyService wPPO (Preferred Provider Organization)
You must use the planrsquos network to reduce your outshyofshypocket costs For BCBS Basic Option you must use Preferred providers for your care to be eligible for benefits
Referral not required to get benefits
You pay fewer costs if you use a PPO provider than if you donrsquot
Some if you donrsquot use network providers
Health Maintenance You generally must Referral generally Your outshyofshypocket Little if any Organization use the planrsquos network
to reduce your outshyofshypocket costs
required from primary care doctor to get benefits
costs are generally limited to copayments
PointshyofshyService You must use the planrsquos network to reduce your outshyofshypocket costs You may go outside the network but you will pay more
Referral generally required to get maximum benefits
You pay less if you use a network provider than if you donrsquot
Little if you use the network You have to file your own claims if you donrsquot use the network
ConsumershyDriven You may use network Referral not required You will pay an Some if you donrsquot use Health Plans and nonshynetwork
providers You will pay more by not using the network
to get maximum benefits from PPOs
annual deductible and costshysharing You pay less if you use the network
network providers You file a claim to obtain reimbursement from your HRA
High Deductible Health Plans wHealth Savings Account (HSA) or Health Reimbursement Arrangement (HRA)
Some plans are network only others pay something even if you do not use a network provider
Referral not required to get maximum benefits from PPOs
You will pay an annual deductible and costshysharing You pay less if you use the network
Some if you donrsquot use network providers If you have an HSA or HRA account you may have to file a claim to obtain reimbursement
10
Appendix B Choosing an FEHB Plan
What should you consider when choosing a plan Having a variety of plans to choose from is a good thing but it can make the process confusing We have a tool on our website that will help you narrow your plan choice based on the benefits that are important to you go to wwwopmgovhealthcareshyinsuranceindianshytribeshealthshyinsurance You can also find help in selecting a plan using tools provided by PlanSmartChoice at wwwplansmartchoicecomregistrationaspx
Ask yourself these questions
1 How much does the plan cost This includes the premium you pay
2 What benefits does the plan cover Make sure the plan covers the services or supplies that are important to you and know its limitations and exclusions
3 What are my outshyofshypocket costs Does the plan charge a deductible (the amount you must first pay before the plan begins to pay benefits) What is the copayment or coinsurance (the amount you share in the cost of the service or supply)
4 Who are the doctors hospitals and other care providers I can use Your costs are lower when you use providers who are part of the plan these are ldquoinshynetworkrdquo providers
5 How well does my plan provide quality care Quality care varies from plan to plan and here are three sources for reviewing quality
bull Member survey results ndash evaluations by current plan members are posted within the health plan benefit charts in this Guide
bull Effectiveness of care ndash how a plan performs in preventing or treating common conditions is measured by the Healthcare Effectiveness Data and Information Set and is found at wwwopmgovhealthcareshyinsurancehealthcareplanshyinformationqualityshyhealthcareshyscores
bull Accreditation ndash evaluations of health plans by independent accrediting organizations Check the cover of your health planrsquos brochure for its accreditation level or go to httpreportcardncqaorgplanexternalplansearchaspx
1111
Appendix B Choosing an FEHB Plan
Definitions
Brand name drug shy A prescription drug that is protected by a patent supplied by a single company and marketed under the manufacturerrsquos brand name
Coinsurance shy The amount you pay as your share for the medical services you receive such as a doctorrsquos visit Coinsurance is a percentage of the planrsquos allowance for the service (you pay 20 for example)
Copayment shy The amount you pay as your share for the medical services you receive such as a doctorrsquos visit A copayment is a fixed dollar amount (you pay $15 for example)
Deductible shy The dollar amount of covered expenses an individual or family must pay before the plan begins to pay benefits There may be separate deductibles for different types of services For example a plan can have a prescription drug benefit deductible separate from its calendar year deductible
Formulary or Prescription Drug List shy A list of both generic and brand name drugs often made up of different costshysharing levels or tiers that are preferred by your health plan Health plans choose drugs that are medically safe and cost effective A team including pharmacists and physicians determines the drugs to include in the formulary
Generic Drug shy A generic medication is an equivalent of a brand name drug A generic drug provides the same effectiveness and safety as a brand name drug and usually costs less A generic drug may have a different color or shape than the brand name but it must have the same active ingredients strength and dosage form (pill liquid or injection)
InshyNetwork shy You receive treatment from the doctors clinics health centers hospitals medical practices and other providers with whom your plan has an agreement to care for its members
OutshyofshyNetwork shy You receive treatment from doctors hospitals and medical practitioners other than those with whom the plan has an agreement at additional cost Members who receive services outside the network may pay all charges
Premium Conversion shy Premium conversion allows tribal employees who are eligible for FEHB the opportunity to pay their share of FEHB premiums with preshytax dollars In order for tribal employees to participate in premium conversion their tribal employer must have a premium conversion plan Premium conversion plans are governed by the Internal Revenue Code and IRS rules govern when participants may change their enrollment or cancel outside of the annual Open Season
Provider shy A doctor hospital health care practitioner pharmacy or health care facility
Qualifying Life Events shy An event that may allow enrollees in the FEHB Program to change their health benefits enrollment outside of an Open Season These events also apply to tribal employees under premium conversion and include events such as change in family status or change in employment status
Additional definitions are located at the beginning of the sections introducing the different types of health plans
12
Appendix C Qualifying Life Events
Note This information does not apply to individuals who have a Temporary Continuation of Coverage (TCC) FEHB enrollment Please see the TCC section of this Guide if you are a current TCC enrollee
Qualifying Life Events
A qualifying life event (QLE) is a term defined by OPM to describe events that may allow a tribal employee to enroll in the FEHB Program make changes to hisher FEHB enrollment or make changes to hisher premium conversion participation if applicable
Outside of Open Season you can make changes to your FEHB enrollment if you experience certain QLEs The most common QLEs for changing FEHB enrollment type or plan are marriage acquiring a child moving away from the service area of your Health Maintenance Organization (HMO) losing health insurance coverage or changing employment status Your eligibility to make certain changes to your FEHB enrollment will depend upon whether or not you participate in premium conversion
Tribal Employees who Participate in Premium Conversion
Premium conversion allows tribal employees who are eligible for FEHB the opportunity to pay their share of FEHB premiums with preshytax dollars Your tribal employer may choose whether or not to have a premium conversion plan If your tribal employer has a premium conversion plan you may choose to participate or not participate If your tribal employer does not have a premium conversion plan you may not participate
Premium conversion plans are governed by the Internal Revenue Code and IRS rules govern when you may change your FEHB enrollment or premium conversion status outside of the annual Open Season If you experience a QLE you may change your FEHB enrollment (including a change to Self Only or cancellation) provided the action is consistent with the QLE
If you participate in premium conversion please refer to QLE Table 1 of the Standard Form (SF) 2809 at wwwopmgovformspdf_fillsf2809pdf for detailed information If you need assistance in accessing the SF 2809 or have additional questions please contact your tribal employer
Tribal Employees who do not Participate in Premium Conversion
If your tribal employer does not have a premium conversion plan or if they have a plan and you choose not to participate you are not subject to IRS rules for when you can make certain changes to your FEHB enrollment However you are subject to OPM rules for employees who do not participate in premium conversion
An important difference is that a tribal employee who does not participate in premium conversion may cancel hisher FEHB enrollment or change from a Self and Family to a Self Only enrollment at any time
If you do not participate in premium conversion please refer to QLE Table 5 of the SF 2809 at wwwopmgovformspdf_fillsf2809pdf for detailed information If you need assistance in accessing the SF 2809 or have additional questions please contact your tribal employer
13
Appendix D FEHB Member Survey Results
Each year FEHB plans with 500 or more subscribers mail the Consumers Assessment of Healthcare Providers and Systems (CAHPS)1 to a random sample of plan members For Health Maintenance Organizations (HMO)PointshyofshyService (POS) and High Deductible Health Plans (HDHP) and ConsumershyDriven Health Plans (CDHP) the sample includes all commercial plan members including nonshyFederal members For FeeshyforshyService (FFS)Preferred Provider Organization (PPO) plans the sample includes Federal members only The CAHPS survey asks questions to evaluate membersrsquo satisfaction with their health plans Independent vendors certified by the National Committee for Quality Assurance administer the surveys
OPM reports each planrsquos scores on the various survey measures by showing the percentage of satisfied members on a scale of 0 to 100 Also we list the national average for each measure Since we offer HMO plans FFSPPO plans HDHP and CDHP plans we compute a separate national average for each plan type
Survey findings and member ratings are provided for the following key measures of member satisfaction
bull Overall Plan Satisfaction ndash This measure is based on the question ldquoUsing any number from 0 to 10 where 0 is the worst health plan possible and 10 is the best health plan possible what number would you use to rate your health planrdquo We report the percentage of respondents who rated their plan 8 or higher
bull Getting Needed Care ndash How often was it easy to get an appointment the care tests or treatment you thought you needed through your health plan
bull Getting Care Quickly ndash When you needed care right away how often did you get care as soon as you thought you needed Not counting the times you needed care right away how often did you get an appointment at a doctors office or clinic as soon as you wanted
bull How Well Doctors Communicate ndash How often did your personal doctor explain things in a way that was easy to understand How often did your personal doctor listen carefully to you show respect for what you had to say and spend enough time with you
bull Customer Service ndash How often did your health planrsquos customer service department give you the information or help you needed How often did your health planrsquos customer service staff treat you with courtesy and respect How often were the forms from your health plan easy to fill out
bull Claims processing ndash How often did your health plan handle your claims quickly and correctly
bull Plan Information on Costs ndash How often were you able to find out from your health plan how much you would have to pay for a health care service or equipment or for specific prescription drug medicines
In evaluating plan scores you can compare individual plan scores against other plans and against the national averages Generally new plans and those with fewer than 500 FEHB subscribers do not conduct CAHPS Therefore some of the plans listed in the Guide will not have survey data 1 CAHPS is a registered trademark of the Agency for Healthcare Research and Quality (AHRQ)
14
Appendix E FEHB Plan Comparison Charts
Nationwide FeeshyforshyService Plans (Pages 16 through 19)
FeeshyforshyService (FFS) plans with a Preferred Provider Organization (PPO) ndash A FeeshyforshyService plan provides flexibility in using medical providers of your choice You may choose medical providers who have contracted with the health plan to offer discounted charges You may also choose medical providers who do not contract with the plan but you will pay more of the cost
Medical providers who have contracts with the health plan (Preferred Provider Organization or PPO) have agreed to accept the health planrsquos reimbursement You usually pay a copayment or a coinsurance amount and do not file claims or other paperwork Going to a PPO hospital does not guarantee PPO benefits for all services received in the hospital however Lab work radiology and other services from independent practishytioners within the hospital are frequently not covered by the hospitalrsquos PPO agreement If you receive treatshyment from medical providers who are not contracted with the health plan you either pay them directly and submit a claim for reimbursement to the health plan or the health plan pays the provider directly according to plan coverage and you pay a deductible coinsurance or the balance of the billed charge In any case you pay a greater amount in outshyofshypocket costs
PPOshyonly ndash A PPOshyonly plan provides medical services only through medical providers that have contracts with the plan With few exceptions there is no medical coverage if you or your family members receive care from providers not contracted with the plan
FeeshyforshyService plans open only to specific groups ndash Several FeeshyforshyService plans that are sponshysored or underwritten by an employee organization strictly limit enrollment to persons who are members of that organization If you are not certain if you are eligible check with your human resources office first
The Health Maintenance Organization (HMO) and PointshyofshyService (POS) section begins on page 21
The High Deductible Health Plan (HDHP) and ConsumershyDriven Health Plan (CDHP) section begins on page 60
Please note that the premium rates provided are the maximum amount you will be expected to pay for your premium Your tribal employer may choose to pay a higher portion of your premium Please check with your tribal employer for exact rates
The tables on the following pages highlight selected features that may help you narrow your choice of health plans The tables do not show all of your possible outshyofshypocket costs All benefits are subject to the definitions limitations and exclusions set forth in each planrsquos Federal brochure which is the official statement of benefits available under the planrsquos contract with the Office of Personnel Management Always consult plan brochures before making your final decision
15
Nationwide FeeshyforshyService Plans
How to read this chart
The table below highlights selected features that may help you narrow your choice of health plans Always consult plan brochures before making your final decision The chart does not show all of your possible outshyofshypocket costs
The Deductibles shown are the amount of covered expenses that you pay before your health plan begins to pay
Calendar Year deductibles for families are two or more times the per person amount shown
In some plans your combined Prescription Drug purchases from Mail Order and local pharmacies count toward the deductible In other plans only purchases from local pharmacies count Some plans require each family member to meet a per person deductible
The Hospital Inpatient deductible is what you pay each time you are admitted to a hospital
Doctors shows what you pay for inpatient surgical services and for office visits
Your share of Hospital Inpatient Room and Board covered charges is shown
Your Maximum Monthly Premium is the maximum amount you will pay for your premium Your tribal employer may choose to pay a higher portion of your premium Check with your tribal employer for exact rates
Temporary Continuation of Coverage (TCC) allows former tribal employees and formerly eligible family members to continue their FEHB coverage for a limited period Under TCC you pay the total monthly premium (enrolleersquos share plus the tribal employerrsquos share) plus a 2 administrative charge which equals 102 of Total Monthly Premium
Plan Name Open to All Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your
Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
APWU Health Plan (APWU) shyhigh
Blue Cross and Blue Shield Service Benefit Plan (BCBS) shystd
Blue Cross and Blue Shield Service Benefit Plan (BCBS) shybasic
GEHA Benefit Plan (GEHA) shyhigh
GEHA Benefit Plan (GEHA) shystd
MHBP shystd
MHBP shyValue Plan
NALC shyhigh
NALC Value Option
SAMBA shyhigh
SAMBA shystd
800shy222shy2798
Local phone
Local phone
800shy821shy6136
800shy821shy6136
800shy410shy7778
800shy410shy7778
888shy636shy6252
888shy636shy6252
800shy638shy6589
800shy638shy6589
471
104
111
311
314
454
414
321
KM1
441
444
472
105
112
312
315
455
415
322
KM2
442
445
13670
19028
13209
20317
10418
20913
11302
16122
9001
27523
13171
30910
44412
30930
48310
23691
50565
26946
32727
19546
70356
30081
55776
62875
53893
64190
42505
64798
46114
59911
36724
71540
53739
126114
142015
126195
145991
96659
148291
109939
130096
79748
168477
122733
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
16
Prescription Drugs ndash Prescription Drug Payment Levels shy Plans use terms such as Level (L I L II) or Tier (T1 T2) to show what you pay for generic or brand name prescription drugs The payment levels that plans use follow L I or Tier 1 includes generic drugs but may include some preferred brands L II or Tier 2 includes preferred brands and may include some generics L III or Tier 3 includes nonshypreferred brands other covered drugs and with some exceptions specialty drugs L IV or Tier 4 includes mostly preferred specialty drugs L V or Tier 5 generally includes nonshypreferred specialty drugs
Mail Order Discounts ndash If your plan has a Mail Order program (typically for maintenance drugs) and its response is ldquoYesrdquo in general its Mail Order program is superior to its retail pharmacy benefit (eg you obtain a greater quantity for less cost than retail pharmacy purchases) If your plan does not have a Mail Order program or it does not offer a superior benefit to retail pharshymacy purchases the response will be ldquoNordquo
The prescription drug copayments or coinsurances described in this chart do not represent the complete range of costshysharing under these plans Many plans have variations in their prescription drug benefits (eg you pay the greater of a dollar amount or a percentage or you pay one amount for your first prescription and then a different amount for refills) You must read the plan brochure for a complete description of prescription drug and all other benefits
MedicalshySurgical ndash You Pay
Copay ($)Coinsurance ()
Plan
APWU shyhigh
BCBS shystd
BCBS shybasic
GEHA shyhigh
GEHA shystd
MHBP shystd
MHBP shyvalue
NALC shyhigh
NALC shyValue
SAMBA shyhigh
SAMBA shystd
Benefit Type
Per Person
Calendar Year
Prescription Drug
Hospital Inpatient
Do
Office Visits
ctors
Inpatient Surgical Services
Hospital Inpatient
RampB Level I
Prescription Drugs
Level II Level III
PPO $275 None None $18 10 10 $8 2525 Yes NonshyPPO $500 None $300 30+diff 30+diff 30 50 5050 Yes
PPO $350 None $250 $20 15 Nothing 2015 Medicare B T2 30$80 T3 45$105 Yes NonshyPPO $350 None $350 + 35+ 35+ 35+ Nothing 45+ T1shyT5 T4 30$35$95 T5 30$55$155 Yes
PPO None None $175day $875 Max $25 $200 Nothing $1030day $3090day T2 $45 T3 50($55Min) T4 $50to$140 T5 $70to$195
NA
PPO $350 None $100 $20 10 Nothing $10 25 Max $150NA Yes NonshyPPO $350 None $300 25 25 Nothing $10 25 Max $150 +NA Yes
PPO $350 None None $10 15 15 $10 50 Max $200NA Yes NonshyPPO $350 None None 35 35 35 $10 50 Max $200 +NA Yes
PPO $400 None $200 $20 10 Nothing $5 30($200 max)50($200 max) Yes NonshyPPO $600 None $500 30 30 30 50 5050 Yes
PPO $600 None None $30 20 20 $10 4575 Yes NonshyPPO $900 Not Covered None 40 40 40 Not Covered Not Covered Yes
PPO $300 None $200 $20 15 Nothing 20 3045 Yes NonshyPPO $300 None $350 30 30 30 45+ 45+45+ Yes
NonshyPPO $4000 None 50 50 50 50 50 5050+ No PPO $2000 None 20 20 20 20 $10 $40$60 No
PPO $300 None $200 $20 10 Nothing $8 20($55 max)35($100 max) Yes NonshyPPO $300 None $300 30 30 30 $8 20($55 max)35($100 max) Yes
PPO $350 None $150 up to $450 $20 15 Nothing $8 30($70 max)40($110 max) Yes NonshyPPO $350 None $200 up to $600 35 35 35 $8 30($70 max)40($110 max) Yes
Deductible
Mail Order Discounts
17
Nationwide FeeshyforshyService Plans
Member Survey results are collected scored and reported by an independent organization ndash not by the health plans See Appendix D for a fuller explanation of each survey category
Overall Plan Satisfaction bull How would you rate your overall experience with your health plan
Getting Needed Care bull How often was it easy to get an appointment the care tests or treatment you thought you needed through your health plan
Getting Care Quickly bull When you needed care right away how often did you get care as soon as you thought you needed bull Not counting the times you needed care right away how often did you get an appointment at a doctorrsquos office or clinic as soon as you thought you needed
How Well Doctors bull How often did your personal doctor explain things in a way that was easy to understand Communicate bull How often did your personal doctor listen carefully to you show respect for what you had to say and spend enough time with you
Customer Service bull How often did written materials or the Internet provide the information you needed about how your health plan works bull How often did your health planrsquos customer service give you the information or help you needed bull How often were the forms from your health plan easy to fill out
Claims Processing bull How often did your health plan handle your claims quickly and correctly
Plan Information on Costs bull How often were you able to find out from your health plan how much you would have to pay for a health care service or equipment or for specific prescription drug medicines
APWU Health Plan shyhigh
Blue Cross and Blue Shield Service Benefit Plan shystd
Blue Cross and Blue Shield Service Benefit Plan shybasic
GEHA Benefit Plan shyhigh
GEHA Benefit Plan shystd
MHBP shystd
MHBP shyValue Plan
NALC shyhigh
NALC shyValue Option
SAMBA shyhigh
SAMBA shystd
Plan Name Open to All
FFS National A
Member Survey Results
47 47
10 10
11
31 31
31 31
45 45
41 41
32 32
KM KM
44 44
44 44
Plan Code
verage 805
772
835
757
838
725
84
63
856
897
816
Overall plan satisfaction
927
927
946
896
934
907
938
908
936
947
93
Getting needed care
917
935
917
891
922
895
916
857
922
943
905
Getting care quickly
951
951
955
95
961
949
935
929
959
96
956
How well doctors
communicate
911
89
926
921
912
875
906
866
934
946
911
Customer service
934
921
956
936
929
926
954
887
965
953
946
Claims processing
716
682
703
643
699
688
696
636
771
789
757
Plan Information on Costs
18
FeeshyforshyService Plans ndash Blue Cross and Blue Shield Service Benefit Plan ndash Member Survey Results for Select States
Again this year we are providing more detailed information regarding the quality of services provided by our health plans We are including the results of the Member Satisfaction survey at the state level for eight local Blue Cross Blue Shield (BCBS) Plans
Plan Name Location
Member Survey Results
Plan Code
Overall plan satisfaction
Getting needed care
Getting care quickly
How well doctors
communicate Customer service
Claims processing
Plan Inforshymation on Costs
FFS National Average 805 927 917 951 911 934 716
Blue Cross and Blue Shield Service shy Standard Benefit Plan shy Basic
Arizona 10 11
851 747
905 898
919 884
933 923
938 914
969 928
724 680
Blue Cross and Blue Shield Service shy Standard Benefit Plan shy Basic
California 10 11
809 705
915 873
897 840
954 943
881 910
937 912
677 616
Blue Cross and Blue Shield Service shy Standard Benefit Plan shy Basic
District of Columbia 10 11
768 691
935 893
930 874
951 940
882 881
898 922
657 622
Blue Cross and Blue Shield Service shy Standard Benefit Plan shy Basic
Florida 10 11
864 806
942 916
922 894
952 947
934 916
954 937
733 660
Blue Cross and Blue Shield Service shy Standard Benefit Plan shy Basic
Illinois 10 11
861 796
933 912
934 881
955 950
901 936
972 938
712 653
Blue Cross and Blue Shield Service shy Standard Benefit Plan shy Basic
Maryland 10 11
857 770
931 897
917 898
954 940
897 921
956 967
713 666
Blue Cross and Blue Shield Service shy Standard Benefit Plan shy Basic
Texas 10 11
887 825
934 898
931 883
950 955
936 910
957 967
721 617
Blue Cross and Blue Shield Service shy Standard Benefit Plan shy Basic
Virginia 10 11
871 782
924 901
929 894
966 962
914 917
959 960
708 681
19
The tables on the following pages highlight selected features that may help you narrow your choice of health plans The tables do not show all of your possible outshyofshypocket costs All benefits are subject to the definitions limitations and exclusions set forth in each planrsquos Federal brochure which is the official statement of benefits available under the planrsquos contract with the Office of Personnel Management Always consult plan brochures before making your final decision
20
Appendix E FEHB Plan Comparison Charts
Health Maintenance Organization Plans and Plans Offering a PointshyofshyService Product
(Pages 22 through 59)
Health Maintenance Organization (HMO) ndash A Health Maintenance Organization provides care through a network of physicians and hospitals in particular geographic or service areas HMOs coordinate the health care service you receive and free you from completing paperwork or being billed for covered services Your eligibility to enroll in an HMO is determined by where you live or for some plans where you work bull The HMO provides a comprehensive set of services ndash as long as you use the doctors and hospitals affiliated with the HMO
HMOs charge a copayment for primary physician and specialist visits and sometimes a copayment for inshyhospital care bull Most HMOs ask you to choose a doctor or medical group as your primary care physician (PCP) Your PCP provides your
general medical care In many HMOs you must get authorization or a ldquoreferralrdquo from your PCP to see other providers The referral is a recommendation by your physician for you to be evaluated andor treated by a different physician or medical professional The referral ensures that you see the right provider for the care appropriate to your condition
bull Medical care from a provider not in the planrsquos network is not covered unless itrsquos emergency care or your plan has an arrangement with another plan
Plans Offering a PointshyofshyService (POS) Product ndash A PointshyofshyService plan is like having two plans in one ndash an HMO and an FFS plan A POS allows you and your family members to choose between using (1) a network of providers in a designated service area (like an HMO) or (2) OutshyofshyNetwork providers (like an FFS plan) When you use the POS network of providers you usually pay a copayment for services and do not have to file claims or other paperwork If you use nonshyHMO or nonshyPOS providers you pay a deductible coinsurance or the balance of the billed charge In any case your outshyofshypocket costs are higher and you file your own claims for reimbursement
The tables on the following pages highlight what you are expected to pay for selected features under each plan Always consult plan brochures before making your final decision
Primary careSpecialist office visit copay ndash Shows what you pay for each office visit to your primary care doctor and specialist Contact your plan to find out what providers it considers specialists
Hospital per stay deductible ndash Shows the amount you pay when you are admitted into a hospital
Prescription drugs ndash Prescription Drug Payment Levels shy Plans use terms such as Level (L I L II) or Tier (T1 T2) to show what you pay for generic or brand name prescription drugs The payment levels that plans use follow L I or Tier 1 includes generic drugs but may include some preferred brands L II or Tier 2 includes preferred brands and may include some generics L III or Tier 3 includes nonshypreferred brands other covered drugs and with some exceptions specialty drugs L IV or Tier 4 includes mostly preferred specialty drugs L V or Tier 5 generally includes nonshypreferred specialty drugs
Mail Order Discounts ndash If your plan has a Mail Order program (typically for maintenance drugs) and its response is ldquoYesrdquo in general its Mail Order program is superior to its retail pharmacy benefit (eg you obtain a greater quantity for less cost than retail pharmacy purchases) If your plan does not have a Mail Order program or it does not offer a superior benefit to retail pharmacy purchases the response will be ldquoNordquo
Member Survey Results ndash See Appendix D for a description
Temporary Continuation of Coverage (TCC) ndash Allows former tribal employees and formerly eligible family members to continue their FEHB coverage for a limited period Under TCC you pay the total monthly premium (enrolleersquos share plus the tribal employerrsquos share) plus a 2 administrative charge which equals 102 of Your Total Monthly Premium
Your maximum monthly premium is the maximum amount you will be expected to pay for your premium Your tribal employer may choose to pay a higher portion of your premium Please check with your tribal employer for exact rates
21
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Alabama
Aetna Value Planshy Most of Alabama 877shy459shy6604
Alaska
Aetna Value Planshy Most of Alaska 877shy459shy6604
Arizona
Aetna Value Planshy All of Arizona 877shy459shy6604
Aetna Open Access shyHighshy Phoenix and Tucson Areas 877shy459shy6604
Health Net of Arizona Inc shyHighshy MaricopaPimaOther AZ counties 800shy289shy2818
Health Net of Arizona Inc shyStdshy MaricopaPimaOther AZ counties 800shy289shy2818
Humana Health Plan Inc shyHighshy Phoenix 888shy393shy6765
Humana Health Plan Inc shyStdshy Phoenix 888shy393shy6765
Humana Health Plan Inc shyHighshy Tucson 888shy393shy6765
Humana Health Plan Inc shyStdshy Tucson 888shy393shy6765
Arkansas
Aetna Value Planshy Most of Arkansas 877shy459shy6604
QualChoice shyHighshy All of Arkansas 800shy235shy7017
QualChoice shyStdshy All of Arkansas 800shy235shy7017
F54 F55
JS4 JS5
G54 G55
WQ1 WQ2
A71 A72
A74 A75
BF1 BF2
BF4 BF5
C71 C72
C74 C75
F54 F55
DH1 DH2
DH4 DH5
13058 29656
17258 41140
12822 29119
33482 89188
26548 80303
19509 62476
13880 30882
12491 27794
15825 35210
13149 29256
13058 29656
30353 76056
14296 38452
53279 120995
61069 138677
52315 118808
77618 187686
70545 178623
63365 160440
56629 125999
50965 113400
59608 132629
53648 119367
53279 120995
74426 174291
58048 135935
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
22
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay
deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How
well
doctors
communicate
Customer
service
Claims
processing
Plan
Information
on
Costs
Alabama
Aetna Value Plan InshyNetwork $25$40 20 $10
HMOPOS Nationa
30to$60050 to$1200 Yes
l Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Alaska
Aetna Value Plan InshyNetwork
4040
$25$40
40
20
50+
$10
50+50+
30to$60050 to$1200
No
Yes Aetna Value Plan OutshyNetwork
Arizona
Aetna Value Plan InshyNetwork
4040
$25$40
40
20
50+
$10
50+50+
30to$60050 to$1200
No
Yes Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Health Net of Arizona IncshyHigh
Health Net of Arizona IncshyStandard
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
Arkansas
Aetna Value Plan InshyNetwork
4040
$20$35
$20$40
$25$50
$20$35
$25$40
$20$35
$25$40
$25$40
40
$250day x 4
$250dayx5
25
$250day x 3
$500day x 3
$250day x 3
$500day x 3
20
50+
$10
$10
$10
$10
$10
$10
$10
$10
50+50+
$35$100
$3050
$4050
$40$60
$40$60
$40$60
$40$60
30to$60050 to$1200
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
602
676
676
838
888
888
861
843
843
923
939
939
849
884
884
918
921
921
636
686
686
Aetna Value Plan OutshyNetwork
QualChoice InshyNetwork
QualChoice OutshyNetwork
QualChoice InshyNetwork
4040
$20$30
4040
$20$40
40
$100max$500
40
$200max$1000
50+
$0
NA
$5
50+50+
$40$60
NA
$40$60
No
Yes
NA
Yes
23
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
California
Aetna Value Planshy Most of California 877shy459shy6604
Aetna HMO shy Los Angeles and San Diego Areas 877shy459shy6604
Anthem Blue Cross Select HMO shyHighshy Southern California 800shy235shy8631
Blue Shield of CA Access+HMO shyHighshy Southern Region 800shy880shy8086
Health Net of California shyHighshy Northern Region 800shy522shy0088
Health Net of California shyStdshy Northern Region 800shy522shy0088
Health Net of California shyHighshy Southern Region 800shy522shy0088
Health Net of California shyStdshy Southern Region 800shy522shy0088
Kaiser Foundation Health Plan shy Basic Option shy Northern California 800shy464shy4000
Kaiser Foundation Health Plan of California shyHighshy Northern California 800shy464shy4000
Kaiser Foundation Health Plan of California shyStdshy Northern California 800shy464shy4000
Kaiser Foundation Health Plan of California shyHighshy Southern California 800shy464shy4000
Kaiser Foundation Health Plan of California shyStdshy Southern California 800shy464shy4000
UnitedHealthcare of California shyHighshy Central and Southern California 866shy546shy0510
UnitedHealthcare of California shyStdshy Central and Southern California 866shy546shy0510
Colorado
Aetna Value Planshy All of Colorado 877shy459shy6604
Kaiser Foundation Health Plan of Colorado shyHighshy DenverBoulderSouthern Colorado areas 800shy632shy9700
Kaiser Foundation Health Plan of Colorado shyStdshy DenverBoulderSouthern Colorado areas 800shy632shy9700
Connecticut
Aetna Value Planshy All of Connecticut 877shy459shy6604
Delaware
Aetna Value Planshy All of Delaware 877shy459shy6604
Aetna Open Access shyHighshy KentNew CastleSussex areas 877shy459shy6604
Aetna Open Access shyBasicshy KentNew CastleSussex areas 877shy459shy6604
JS4 JS5
2X1 2X2
B31 B32
SI1 SI2
LB1 LB2
LB4 LB5
LP1 LP2
LP4 LP5
KC1 KC2
591 592
594 595
621 622
624 625
CY1 CY2
CY4 CY5
G54 G55
651 652
654 655
EP4 EP5
EP4 EP5
P31 P32
P34 P35
17258 41140
15940 41769
18194 43825
18445 42566
77474 182834
71405 168807
30687 74663
27027 66198
18293 47705
35345 91275
22772 58183
14073 35293
9019 20845
22819 54699
13109 30036
12822 29119
23933 55581
9887 22345
12694 28827
12694 28827
64801 164359
49560 118027
61069 138677
59725 139319
62024 141416
62280 140132
122490 283205
116299 268898
74767 172871
71034 164236
62125 145373
79518 189815
66694 156061
57420 132713
36797 85048
66742 152507
53485 122549
52315 118808
67878 153407
40339 91170
51792 117616
51792 117616
109563 264361
94017 217102
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
24
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay
deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How
well
doctors
communicate
Customer
service
Claims
processing
Plan
Information
on
Costs
California
Aetna Value Plan InshyNetwork $25$40 20 $10
HMO
30to$60050 to$1200
POS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Anthem Blue Cross Select HMOshyHigh
Blue Shield of CA Access+HMOshyHigh
Health Net of CaliforniashyHigh
Health Net of CaliforniashyStandard
Health Net of CaliforniashyHigh
Health Net of CaliforniashyStandard
Kaiser Foundation HP shy Basic Option
Kaiser Foundation HP of CaliforniashyHigh
Kaiser Foundation HP of CaliforniashyStandard
Kaiser Foundation HP of CaliforniashyHigh
Kaiser Foundation HP of CaliforniashyStandard
UnitedHealthcare of CaliforniashyHigh
UnitedHealthcare of CaliforniashyStandard
Colorado
Aetna Value Plan InshyNetwork
4040
$20$35
$25$35
$20$30
$20$30
$30$50
$20$30
$30$50
$25$35
$15$25
$30$40
$15$25
$30$40
$20$35
$25$40
$25$40
40
$250day x 4
$250max4days
$200 x 3 days
$150dayx5
$750
$150dayx5
$750
20
$250
$500
$250
$500
$150day x 4
30
20
50+
$10
$5$40$60
$10
$10
$15
$10
$15
$15
$10
$15
$10
$15
$10
$10
$10
50+50+
$35$100
$5$40$70$60
$3550
$35$60
$35$65
$35$60
$35$65
$35$35
$30$30
$35$35
$30$30
$35$35
$35$60
$25$50
30to$60050 to$1200
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
579
726
67
67
67
67
798
798
833
833
701
701
766
844
816
816
816
816
884
884
828
828
80
80
781
802
81
81
81
81
848
848
807
807
804
804
896
937
93
93
93
93
925
925
932
932
923
923
769
90
831
831
831
831
872
872
878
878
825
825
849
855
841
841
841
841
793
793
771
771
889
889
648
646
638
638
638
638
63
63
687
687
57
57
Aetna Value Plan OutshyNetwork
Kaiser Foundation HP of ColoradoshyHigh
Kaiser Foundation HP of ColoradoshyStandard
Connecticut
Aetna Value Plan InshyNetwork
4040
$20$40
$20$40
$25$40
40
$250x3
10
20
50+
$10
$15
$10
50+50+
$35$60
$40$80
30to$60050 to$1200
No
Yes
Yes
Yes
722
722
884
884
873
873
936
936
876
876
879
879
622
622
Aetna Value Plan OutshyNetwork
Delaware
Aetna Value Plan InshyNetwork
4040
$25$40
40
20
50+
$10
50+50+
30to$60050 to$1200
No
Yes Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Aetna Open AccessshyBasic
4040
$20$35
$15$35
40
$250day x 4
20 Plan Allow
50+
$10
$5
50+50+
$35$100
$35$100
No
Yes
Yes
602
602
862
862
855
855
972
972
865
865
872
872
618
618
25
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
District of Columbia
Aetna Value Plan shy All of Washington DC
Aetna Open Access shyHighshy Washington DC Area
Aetna Open Access shyBasicshy Washington DC Area
CareFirst BlueChoice shyHighshy Washington DC Metro Area
CareFirst BlueChoice shyStdshy Washington DC Metro Area
Kaiser Foundation Health Plan MidshyAtlantic States shyHighshy Washington DC area
Kaiser Foundation Health Plan MidshyAtlantic States shyStdshy Washington DC area
MD IPA shyHighshy Washington DC area
Florida
Aetna Value Plan shy Most of Florida
AvMed Health Plans shyHighshy Broward Dade and Palm Beach
AvMed Health Plans shyStdshy Broward Dade and Palm Beach
Capital Health Plan shyHighshy Tallahassee area
Coventry Health Plan of Florida shyHighshy Southern Florida
Coventry Health Plan of Florida shyStdshy Southern Florida
Humana Value Plan shy Tampa Area
Humana Value Plan shy South Florida Area
Humana Medical Plan Inc shyHighshy Orlando
Humana Medical Plan Inc shyStdshy Orlando
Humana Medical Plan Inc shyHighshy South Florida
Humana Medical Plan Inc shyStdshy South Florida
Humana Medical Plan Inc shyHighshy Daytona
Humana Medical Plan Inc shyStdshy Daytona
Humana Medical Plan Inc shyHighshy Tampa
Humana Medical Plan Inc shyStdshy Tampa
877shy459shy6604
877shy459shy6604
877shy459shy6604
888shy789shy9065
888shy789shy9065
877shy574shy3337
877shy574shy3337
877shy835shy9861
877shy459shy6604
800shy882shy8633
800shy882shy8633
850shy383shy3311
800shy441shy5501
800shy441shy5501
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
F54 F55
JN1 JN2
JN4 JN5
2G1 2G2
2G4 2G5
E31 E32
E34 E35
JP1 JP2
F54 F55
ML1 ML2
ML4 ML5
EA1 EA2
5E1 5E2
5E4 5E5
MJ4 MJ5
QP4 QP5
E21 E22
E24 E25
EE1 EE2
EE4 EE5
EX1 EX2
EX4 EX5
LL1 LL2
LL4 LL5
13058 29656
46867 105610
14021 31351
21177 48693
15284 35429
16926 42124
9646 22186
20245 50123
13058 29656
20336 56279
12604 30253
11679 30949
16664 47450
12501 30003
10247 22697
10247 22697
13149 29256
11834 26331
23153 51514
15825 35210
13880 30882
12491 27794
48720 108398
15825 35208
53279 120995
91271 204437
57208 127913
65067 146381
59056 132852
60731 139681
39358 90520
64116 147840
53279 120995
64209 154119
51424 123431
47650 126273
60464 145113
51005 122414
41809 92606
41809 92606
53648 119367
48282 107430
67082 149259
59608 132629
56629 125999
50965 113400
93161 207280
59608 132627
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
26
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay
deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How
well
doctors
communicate
Customer
service
Claims
processing
Plan
Information
on
Costs
District of Columbia
Aetna Value Plan InshyNetwork $25$40 20 $10
HMOPOS Nationa
30to$60050 to$1200 Yes
l Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Aetna Open AccessshyBasic
CareFirst BlueChoiceshyHigh
CareFirst BlueChoice InshyNetwork
4040
$15$30
$20$35
$25$35
Nothing$35
40
$150day x3
10 Plan Allow
$200
$200
50+
$5
$10
Nothing
Nothing
50+50+
$35$100
$35$100
$35$65
$35$65
No
Yes
Yes
Yes
Yes
69
69
648
648
844
844
86
86
872
872
833
833
942
942
925
925
865
865
846
846
914
914
902
902
567
567
54
54 CareFirst BlueChoice OutshyNetwork
Kaiser Foundation HP MidshyAtlantic StatesshyHigh
Kaiser Foundation HP MidshyAtlantic StatesshyStandard
MD IPAshyHigh
Florida
Aetna Value Plan InshyNetwork
$70$70
$10$20
$20$30
$25$40
$25$40
$500
$100
$250dayx3
$150day x 3
20
Nothing
$7$17 Net
$12$22Net
$7
$10
$35$65
$30$50$45$65
$35$55$50$70
$30$60
30to$60050 to$1200
Yes
Yes
Yes
Yes
Yes
83
83
583
867
867
846
831
831
876
927
927
937
813
813
867
836
836
841
702
702
677
Aetna Value Plan OutshyNetwork
AvMed Health PlansshyHigh
AvMed Health PlansshyStandard
Capital Health PlanshyHigh
Coventry Health Plan of FloridashyHigh
Coventry Health Plan of FloridashyStandard
Humana Value Plan InshyNetwork
4040
$15$40
$25$45
Nothing$15
$15$30
$20$50
$35$55
40
$250dayx3
$300dayx3
$250
Ded + $150x3
Ded + $150x5
20
50+
$5
$10
$15 Tier 1
$3$20
$3$10
$10
50+50+
$30$5030
$40$6030
$40$6020
$50$7020
$40$60
$30 Tier 2 $50 Tier 3
No
No
No
No
No
No
Yes
746
746
855
514
514
877
877
905
808
808
847
847
905
764
764
957
957
953
921
921
919
919
938
827
827
87
87
946
783
783
68
68
755
535
535
Humana Value Plan OutshyNetwork
Humana Value Plan InshyNetwork
5050
$35$55
50
20
$10+
$10
$40+$60+
$40$60
No
Yes Humana Value Plan OutshyNetwork
Humana Medical Plan IncshyHigh
Humana Medical Plan IncshyStandard
Humana Medical Plan IncshyHigh
Humana Medical Plan IncshyStandard
Humana Medical Plan IncshyHigh
Humana Medical Plan IncshyStandard
Humana Medical Plan IncshyHigh
Humana Medical Plan IncshyStandard
5050
$20$35
$25$40
$20$35
$25$40
$20$35
$25$40
$20$35
$25$40
50
$250day x 3
$500day x 3
$250day x 3
$500day x 3
$250day x 3
$500day x 3
$250day x 3
$500day x 3
$10+
$10
$10
$10
$10
$10
$10
$10
$10
$40+$60+
$40$60
$40$60
$40$60
$40$60
$40$60
$40$60
$40$60
$40$60
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
529
529
86
86
824
824
937
937
846
846
843
843
687
687
27
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Georgia
Aetna Value Planshy All of Georgia
Aetna Open Access shyHighshy Atlanta and Athens Areas
Humana Value Plan shy Atlanta Area
Humana Value Plan shy Macon Area
Humana Employers Health of Georgia Inc shyHighshy Columbus
Humana Employers Health of Georgia Inc shyStdshy Columbus
Humana Employers Health of Georgia Inc shyHighshy Atlanta
Humana Employers Health of Georgia Inc shyStdshy Atlanta
Humana Employers Health of Georgia Inc shyHighshy Macon
Humana Employers Health of Georgia Inc shyStdshy Macon
Kaiser Foundation Health Plan of Georgia shyHighshy Atlanta AthensColumbusMaconSavannah
Kaiser Foundation Health Plan of Georgia shyStdshy Atlanta AthensColumbusMaconSavannah
Guam
Calvos Selectcare shyHighshy Guam Northern Mariana Islands Palau
TakeCare shyHighshy GuamNMarianaIslandsBelau(Palau)
TakeCare shyStdshy GuamNMarianaIslandsBelau(Palau)
Hawaii Aetna Value Planshy All of Hawaii
HMSA shyHighshy All of Hawaii
Kaiser Foundation Health Plan of Hawaii shyHighshy HawaiiKauaiLanaiMauiMolokaiOahu
Kaiser Foundation Health Plan of Hawaii shyStdshy HawaiiKauaiLanaiMauiMolokaiOahu
877shy459shy6604
877shy459shy6604
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy865shy5813
888shy865shy5813
671 479shy7982
671shy647shy3526
671shy647shy3526
877shy459shy6604
800shy776shy4672
808shy432shy5955
808shy432shy5955
F54 F55
2U1 2U2
AD4 AD5
LM4 LM5
CB1 CB2
CB4 CB5
DG1 DG2
DG4 DG5
DN1 DN2
DN4 DN5
F81 F82
F84 F85
B41 B42
JK1 JK2
JK4 JK5
JS4 JS5
871 872
631 632
634 635
13058 29656
44133 104232
10247 22697
10247 22697
15825 35210
13880 30882
15825 35210
13149 29256
15825 35210
13880 30882
15015 36863
10047 22957
11949 31399
12447 36018
10209 26960
17258 41140
11377 25325
14515 32578
7553 16846
53279 120995
88482 203031
41809 92606
41809 92606
59608 132629
56629 125999
59608 132629
53648 119367
59608 132629
56629 125999
58782 134315
40991 93667
48751 128109
50786 133453
41654 109996
61069 138677
46419 103326
58272 129944
30818 68731
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
28
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay
deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How
well
doctors
communicate
Customer
service
Claims
processing
Plan
Information
on
Costs
Georgia
Aetna Value Plan InshyNetwork $25$40 20 $10
HMOP
30to$60050 to$1200
OS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Humana CoverageFirst InshyNetwork
4040
$20$35
$35$55
40
$250day x 4
20
50+
$10
$10
50+50+
$35$100
$40$60
No
Yes
Yes
59 90 878 941 86 857 62
Humana CoverageFirst OutshyNetwork
Humana CoverageFirst InshyNetwork
5050
$35$55
50
20
$10+
$10
$40+$60+
$40$60
No
Yes Humana CoverageFirst OutshyNetwork
Humana Employers Health of Georgia shyHigh
Humana Employers Health of Georgia shyStandard
Humana Employers Health of Georgia shyHigh
Humana Employers Health of Georgia shyStandard
Humana Employers Health of Georgia shyHigh
Humana Employers Health of Georgia shyStandard
Kaiser Foundation HP of GeorgiashyHigh
Kaiser Foundation HP of GeorgiashyStandard
Guam
Calvos Selectcare InshyNetwork
5050
$20$35
$25$40
$20$35
$25$40
$20$35
$25$40
$15$30
$20$35
$15$40
50
$250day x 3
$500day x 3
$250day x 3
$500day x 3
$250day x 3
$500day x 3
$250dayx3
$250dayx3
$200
$10+
$10
$10
$10
$10
$10
$10
$10$20 Comm
$15$25 Comm
$10
$40+$60+
$40$60
$40$60
$40$60
$40$60
$40$60
$40$60
$2550 of AWP
$40$50 Comm $40$50 Comm
$40$50 Comm $40$50 Comm
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
514
794
794
883
845
845
837
85
85
941
935
935
859
884
884
849
839
839
556
625
625
Calvos Selectcare OutshyNetwork
TakeCareshyHigh
TakeCareshyStandard
Hawaii Aetna Value Plan InshyNetwork
3030
$5 at FHP$40
$5 at FHP$40
$25$40
30
$100day for 5
$150day for 5
20
NA
$10
$15
$10
NA
$25$50
$40$80
30to$60050 to$1200
NA
Yes
Yes
Yes
687
687
669
669
686
686
904
904
792
792
786
786
571
571
Aetna Value Plan OutshyNetwork
HMSA InshyNetwork
4040
$15$15
40
$100
50+
$7
50+50+
$30$65
No
Yes 842 914 884 955 878 931 628 HMSA OutshyNetwork
Kaiser Foundation HP of HawaiishyHigh
Kaiser Foundation HP of HawaiishyStandard
3030
$20$20
$30$30
30
$100
10
$7 + 20
$10
$15
$45$45
$50$50
$30 + 20 $65 + 20 No
Yes
Yes
754
754
826
826
815
815
94
94
875
875
811
811
613
613
29
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Idaho
Aetna Value Planshy Most of Idaho 877shy459shy6604
Altius Health Plans shyHighshy Southern Region 800shy377shy4161
Altius Health Plans shyStdshy Southern Region 800shy377shy4161
Group Health Cooperative shyHighshy most of Washington StateampNorthern Idaho 888shy901shy4636
Group Health Cooperative shyStdshy most of Washington StateampNorthern Idaho 888shy901shy4636
SelectHealth shyHighshy Utah Idaho 801shy442shy7497
SelectHealth shyStdshy Utah Idaho 801shy442shy7497
Illinois
Aetna Value Planshy Most of Illinois 877shy459shy6604
Blue Cross and Blue Shield of Illinois shyHighshy Illinois 855shy676shy4482
Blue Preferred Plus POS shyHighshy Madison and St Clair counties 888shy811shy2092
Health Alliance HMO shyHighshy CentralECentralNCentSouthWest Ill 800shy851shy3379
Health Alliance HMO shyStdshy CentralECentralNCentSouthWest Ill 800shy851shy3379
Humana Benefit Plan of Illinois Inc shyHighshy Central and Northwestern Illinois 888shy393shy6765
Humana Benefit Plan of Illinois Inc shyStdshy Central and Northwestern Illinois 888shy393shy6765
Humana Value Plan shy Central Illinois 888shy393shy6765
Humana Value Plan shy Chicago Area 888shy393shy6765
Humana Health Plan Inc shyHighshy Chicago 888shy393shy6765
Humana Health Plan Inc shyStdshy Chicago 888shy393shy6765
Union Health Service shyHighshy Chicago area 312shy423shy4200
United Healthcare of the Midwest Inc shyHighshy Southwest Illinois 877shy835shy9861
UnitedHealthcare Plan of the River Valley Inc shyHighshy West Central Illinois 800shy747shy1446
H44 H45
9K1 9K2
DK4 DK5
541 542
544 545
SF1 SF2
SF4 SF5
H44 H45
A21 A22
9G1 9G2
FX1 FX2
K84 K85
9F1 9F2
AB4 AB5
GB4 GB5
MW4 MW5
751 752
754 755
761 762
B91 B92
YH1 YH2
13093 29732
19819 42542
11798 25954
27070 55009
11742 26509
19210 43095
12435 27741
13093 29732
30483 71121
32158 67069
26932 67294
20323 51891
51805 115264
15825 35210
10247 22697
10247 22697
40638 90413
15825 35210
14109 33787
33072 74273
14091 38330
53418 121307
63682 140107
48136 105894
71078 152824
47908 108156
63060 140671
50737 113183
53418 121307
74559 169258
76267 165125
70937 165354
64196 149643
96307 214284
59608 132629
41809 92606
41809 92606
84917 188936
59608 132629
57566 131177
77200 172473
57491 135811
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
30
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay
deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
6
Getting needed
care
Getting care
quickly
How
well
doctors
communicate
Customer
service
Claims
processing
Plan
Information
on
Costs
Idaho
Aetna Value Plan InshyNetwork $25$40 20 $10
HMO
30to$60050 to$1200
POS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Altius Health PlansshyHigh
Altius Health PlansshyStandard
Group Health CooperativeshyHigh
Group Health CooperativeshyStandard
SelectHealthshyHigh
SelectHealthshyStandard
Illinois
Aetna Value Plan InshyNetwork
4040
$20$30
$20$40
$25$25
$25$35
$15$25
$20$30
$25$40
40
$200
None
$350
$500
$100
$100 after
20
50+
$7
$7
$20
$20
$5 $25$50
$5
$10
50+50+
$25$50
$35$60
$40$60
$40$60
$25$50$50
$25$50
30to$60050 to$1200
No
No
None
Yes
Yes
Yes
Yes
Yes
552
552
659
659
629
629
852
852
86
86
876
876
813
813
869
869
851
851
948
948
941
941
958
958
883
883
912
912
912
912
895
895
881
881
903
903
588
588
692
692
64
64
Aetna Value Plan OutshyNetwork
Blue Cross and Blue Shield of IllinoisshyHigh
Blue Preferred Plus POS InshyNetwork
4040
$20$35
$25$35
40
$200day x 5
$500
50+
$10 copay
$5
50+50+
$40$60
$40$6025 $6025
No
Yes
Yes 647 891 861 961 84 864 685 Blue Preferred Plus POS OutshyNetwork
Health Alliance HMOshyHigh
Health Alliance HMOshyStandard
Humana Benefit Plan of Illinois IncshyHigh
Humana Benefit Plan of Illinois IncshyStandard
Humana Value Plan InshyNetwork
30 after ded
$25$50
$25$50
$20$35
$25$40
$35$55
30 after ded
$200day x 5
20
$250day x 3
$500day x 3
20
NA
$7
$7
$10
$10
$10
NA
$35$70
$35$70
$40$60
$40$60
$40$60
NA
Yes
Yes
Yes
Yes
Yes
745 915 88 962 878 868 67
Humana Value Plan OutshyNetwork
Humana CoverageFirst InshyNetwork
5050
$35$55
50
20
$10+
$10
$40+$60+
$40$60
No
Yes Humana CoverageFirst OutshyNetwork
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
Union Health ServiceshyHigh
United Healthcare of the Midwest IncshyHigh
UnitedHealthcare Plan of the River Valley shyHigh
5050
$20$35
$25$40
$15$15
$25$40
$25$50
50
$250day x 3
$500day x 3
None
$450
20
$10+
$10
$10
$10
$7
$10
$40+$60+
$40$60
$40$60
$35$60
$30$60
$35$50
No
Yes
Yes
Yes
Yes
Yes
647
647
665
577
822
822
919
896
788
788
902
86
943
943
957
956
859
859
892
914
834
834
898
918
66
66
732
623
31
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Indiana
Aetna Value Planshy All of Indiana 877shy459shy6604
Health Alliance HMO shyHighshy Western Indiana 800shy851shy3379
Health Alliance HMO shyStdshy Western Indiana 800shy851shy3379
Humana Value Plan shy LakePorterLaPorte Counties 888shy393shy6765
Humana Health Plan of Ohio shyHighshy Portions of Indiana 888shy393shy6765
Humana Health Plan of Ohio shyStdshy Portions of Indiana 888shy393shy6765
Humana Health Plan Inc shyHighshy LakePorterLaPorte Counties 888shy393shy6765
Humana Health Plan Inc shyStdshy LakePorterLaPorte Counties 888shy393shy6765
Humana Health Plan Inc shyHighshy Southern Indiana 888shy393shy6765
Humana Health Plan Inc shyStdshy Southern Indiana 888shy393shy6765
Physicians Health Plan of Northern Indiana shyHighshy Northeast Indiana 260shy432shy6690
Iowa
Aetna Value Planshy All of Iowa 877shy459shy6604
Coventry Health Care of Iowa shyHighshy CentralEasternWestern Iowa 800shy257shy4692
Coventry Health Care of Iowa shyStdshy CentralEasternWestern Iowa 800shy257shy4692
Health Alliance HMO shyHighshy Central and Eastern Iowa 800shy851shy3379
Health Alliance HMO shyStdshy Central and Eastern Iowa 800shy851shy3379
HealthPartners High Option shyNorthern Iowa 800shy883shy2177
HealthPartners Standard Option shyNorthern Iowa 800shy883shy2177
Sanford Health Plan shyHighshy Northwestern Iowa 800shy752shy5863
Sanford Health Plan shyStdshy Northwestern Iowa 800shy752shy5863
UnitedHealthcare Plan of the River Valley Inc shyHighshy Eastern and Central Iowa 800shy747shy1446
JS4 JS5
FX1 FX2
K84 K85
MW4 MW5
A61 A62
A64 A65
751 752
754 755
MH1 MH2
MH4 MH5
DQ1 DQ2
H44 H45
SV1 SV2
SY4 SY5
FX1 FX2
K84 K85
V31 V32
V34 V35
AU1 AU2
AU4 AU5
YH1 YH2
17258 41140
26932 67294
20323 51891
10247 22697
13880 30882
12491 27794
40638 90413
15825 35210
15825 35210
13880 30882
30786 68557
13093 29732
13351 31376
9799 23027
26932 67294
20323 51891
26865 64982
8897 20464
26173 63455
23647 57594
14091 38330
61069 138677
70937 165354
64196 149643
41809 92606
56629 125999
50965 113400
84917 188936
59608 132629
59608 132629
56629 125999
74868 166643
53418 121307
54474 128016
39979 93951
70937 165354
64196 149643
70869 162996
36302 83494
70163 161438
67586 155460
57491 135811
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
32
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay
deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How
well
doctors
communicate
Customer
service
Claims
processing
Plan
Information
on
Costs
Indiana
Aetna Value Plan InshyNetwork $25$40 20 $10
HMO
30to$60050 to$1200
POS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Health Alliance HMOshyHigh
Health Alliance HMOshyStandard
Humana Value Plan InshyNetwork
4040
$25$50
$25$50
$35$55
40
$200day x 5
20
20
50+
$7
$7
$10
50+50+
$35$70
$35$70
$40$60
No
Yes
Yes
Yes
745 915 88 962 878 868 67
Humana Value Plan OutshyNetwork
Humana Health Plan of OhioshyHigh
Humana Health Plan of OhioshyStandard
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
Physicians Health Plan of Northern IndianashyHigh
Iowa
Aetna Value Plan InshyNetwork
5050
$20$35
$25$40
$20$35
$25$40
$20$35
$25$40
$15$15
$25$40
50
$250day x 3
$500day x 3
$250day x 3
$500day x 3
$250day x 3
$500day x 3
20
20
$10+
$10
$10
$10
$10
$10
$10
$10
$10
$40+$60+
$40$60
$40$60
$40$60
$40$60
$40$60
$40$60
$25$50
30to$60050 to$1200
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
647
647
562
822
822
878
788
788
815
943
943
934
859
859
868
834
834
893
66
66
593
Aetna Value Plan OutshyNetwork
Coventry Health Care of IowashyHigh
Coventry Health Care of IowashyStandard
Health Alliance HMOshyHigh
Health Alliance HMOshyStandard
HealthPartners High Option
HealthPartners Standard Option
Sanford Health Plan InshyNetwork
4040
$25$50
$25$50
$25$50
$25$50
$25$45
$0 for 3 then 20
$20$30
40
20
20
$200day x 5
20
Nothing
20 in40 out
$100day x 5
50+
$3 $10
$3 $10
$7
$7
$12
$9
$15
50+50+
$45$70$100
30$5000 Max
$35$70
$35$70
$45$90
$40$70
$30$50
No
Yes
No
Yes
Yes
Yes
Yes
NA
562
562
745
647
647
535
905
905
915
893
893
903
888
888
88
875
875
89
964
964
962
951
951
977
837
837
878
92
92
902
903
903
868
911
911
912
652
652
67
725
725
558 Sanford Health Plan OutshyNetwork
Sanford Health Plan InshyNetwork
4040
$25$25
40
$100day x 5
40+
$15
40+40+
$30$50
NA
NA 535 903 89 977 902 912 558 Sanford Health Plan OutshyNetwork
UnitedHealthcare Plan of the River Valley shyHigh
40+40+
$25$50
40+
20
40+
$10
40+40+
$35$50
NA
Yes 577 896 86 956 914 918 623
33
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Kansas
Aetna Value Planshy Most of Kansas
Aetna Open Access shyHighshy Kansas City area
Coventry Health Care of Kansas shyHighshy Kansas City Metro Area (KS and MO)
Coventry Health Care of Kansas shyStdshy Kansas City Metro Area (KS and MO)
Humana Value Plan shy Kansas City Area
Humana Health Plan Inc shyHighshy Kansas City
Humana Health Plan Inc shyStdshy Kansas City
Kentucky
Aetna Value Planshy Most of Kentucky
Humana Health Plan of Ohio shyHighshy Portions of Kentucky
Humana Health Plan of Ohio shyStdshy Portions of Kentucky
Humana Health Plan Inc shyHighshy Louisville
Humana Health Plan Inc shyStdshy Louisville
Humana Health Plan Inc shyHighshy Lexington
Humana Health Plan Inc shyStdshy Lexington
Louisiana
Aetna Value Planshy Most of Louisiana
Coventry Health Care of Louisiana shyHighshy New Orleans Area
Coventry Health Care of Louisiana shyStdshy New Orleans Area
Humana Health Benefit Plan of Louisiana Inc shyHighshy Baton Rouge
Humana Health Benefit Plan of Louisiana Inc shyStdshy Baton Rouge
Humana Health Benefit Plan of Louisiana Inc shyHighshy New Orleans
Humana Health Benefit Plan of Louisiana Inc shyStdshy New Orleans
877shy459shy6604
877shy459shy6604
800shy969shy3343
800shy969shy3343
888shy393shy6765
888shy393shy6765
888shy393shy6765
877shy459shy6604
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
877shy459shy6604
800shy341shy6613
800shy341shy6613
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
G54 G55
HY1 HY2
HA1 HA2
HA4 HA5
PH4 PH5
MS1 MS2
MS4 MS5
H44 H45
A61 A62
A64 A65
MH1 MH2
MH4 MH5
MI1 MI2
MI4 MI5
F54 F55
BJ1 BJ2
BJ4 BJ5
AE1 AE2
AE4 AE5
BC1 BC2
BC4 BC5
12822 29119
13777 50039
13519 32270
12568 29535
10247 22697
62521 139111
15825 35210
13093 29732
13880 30882
12491 27794
15825 35210
13880 30882
19459 43292
13880 30882
13058 29656
19208 48754
13035 30271
15825 35210
13149 29256
13880 30882
12491 27794
52315 118808
55396 147754
55160 129630
51276 120503
41809 92606
107238 238608
59608 132629
53418 121307
56629 125999
50965 113400
59608 132629
56629 125999
63314 140872
56629 125999
53279 120995
63058 146443
53182 123506
59608 132629
53648 119367
56629 125999
50965 113400
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
34
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay
deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How
well
doctors
communicate
Customer
service
Claims
processing
Plan
Information
on
Costs
Kansas
Aetna Value Plan InshyNetwork $25$40 20 $10
HMO
30to$60050 to$1200
POS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Coventry Health Care of KansasshyHigh
Coventry Health Care of KansasshyStandard
Humana CoverageFirst InshyNetwork
4040
$20$35
$30$60
$30$60
$35$55
40
$250day x 4
25
30
20
50+
$10
$3 $12
$3 $12
$10
50+50+
$35$100
$50$75
$5020
$40$60
No
Yes
Yes
Yes
Yes
639
602
602
862
906
906
862
88
88
94
96
96
838
894
894
901
884
884
538
663
663
Humana CoverageFirst OutshyNetwork
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
Kentucky
Aetna Value Plan InshyNetwork
5050
$20$35
$25$40
$25$40
50
$250day x 3
$500day x 3
20
$10+
$10
$10
$10
$40+$60+
$40$60
$40$60
30to$60050 to$1200
No
Yes
Yes
Yes
676
676
903
903
901
901
951
951
881
881
918
918
729
729
Aetna Value Plan OutshyNetwork
Humana Health Plan of OhioshyHigh
Humana Health Plan of OhioshyStandard
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
Louisiana
Aetna Value Plan InshyNetwork
4040
$20$35
$25$40
$20$35
$25$40
$20$35
$25$40
$25$40
40
$250day x 3
$500day x 3
$250day x 3
$500day x 3
$250day x 3
$500day x 3
20
50+
$10
$10
$10
$10
$10
$10
$10
50+50+
$40$60
$40$60
$40$60
$40$60
$40$60
$40$60
30to$60050 to$1200
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes Aetna Value Plan OutshyNetwork
Coventry Health Care of LouisianashyHigh
Coventry Health Care of LouisianashyStandard
Humana Health Benefit Plan of LA shyHigh
Humana Health Benefit Plan of LA shyStandard
Humana Health Benefit Plan of LA shyHigh
Humana Health Benefit Plan of LA shyStandard
4040
$25$45
$30$55
$20$35
$35$40
$20$35
$35$40
40
Ded+$100
Ded+30
$250day x 3
$500day x 3
$250day x 3
$500day x 3
50+
$5
$5
$10
$10
$10
$10
50+50+
$40$100
$40$100
$40$60
$40$60
$40$60
$40$60
No
Yes
Yes
Yes
Yes
Yes
Yes
573
573
874
874
823
823
968
968
831
831
827
827
625
625
35
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Maine
Aetna Value Planshy All of Maine 877shy459shy6604
Maryland
Aetna Value Planshy All of Maryland 877shy459shy6604
Aetna Open Access shyHighshy NorthernCentralSouthern Maryland Areas 877shy459shy6604
Aetna Open Access shyBasicshy NorthernCentralSouthern Maryland Areas 877shy459shy6604
CareFirst BlueChoice shyHighshy All of Maryland 888shy789shy9065
CareFirst BlueChoice shyStdshy All of Maryland 888shy789shy9065
Coventry Health Care shyHighshy All of Maryland 800shy833shy7423
Coventry Health Care shyStdshy All of Maryland 800shy833shy7423
Kaiser Foundation Health Plan MidshyAtlantic States shyHighshy BaltimoreWashington DC areas 877shy574shy3337
Kaiser Foundation Health Plan MidshyAtlantic States shyStdshy BaltimoreWashington DC areas 877shy574shy3337
MD IPA shyHighshy All of Maryland 877shy835shy9861
Massachusetts
Aetna Value Planshy Most of Massachusetts 877shy459shy6604
Fallon Community Health Plan shyBasicshy CentralEastern Massachusetts 800shy868shy5200
EP4 EP5
F54 F55
JN1 JN2
JN4 JN5
2G1 2G2
2G4 2G5
IG1 IG2
IG4 IG5
E31 E32
E34 E35
JP1 JP2
EP4 EP5
JG1 JG2
12694 28827
13058 29656
46867 105610
14021 31351
21177 48693
15284 35429
14998 37685
13265 30509
16926 42124
9646 22186
20245 50123
12694 28827
29337 80043
51792 117616
53279 120995
91271 204437
57208 127913
65067 146381
59056 132852
58764 135153
54121 124479
60731 139681
39358 90520
64116 147840
51792 117616
73390 178358
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
36
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay
deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How
well
doctors
communicate
Customer
service
Claims
processing
Plan
Information
on
Costs
Maine
Aetna Value Plan InshyNetwork $25$40 20 $10
HMO
30to$60050 to$1200
POS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Maryland
Aetna Value Plan InshyNetwork
4040
$25$40
40
20
50+
$10
50+50+
30to$60050 to$1200
No
Yes Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Aetna Open AccessshyBasic
CareFirst BlueChoiceshyHigh
CareFirst BlueChoice InshyNetwork
4040
$15$30
$20$35
$25$35
Nothing$35
40
$150day x3
10 Plan Allow
$200
$200
50+
$5
$10
Nothing
Nothing
50+50+
$35$100
$35$100
$35$65
$35$65
No
Yes
Yes
Yes
Yes
69
69
648
648
844
844
86
86
872
872
833
833
942
942
925
925
865
865
846
846
914
914
902
902
567
567
54
54 CareFirst BlueChoice OutshyNetwork
Coventry Health CareshyHigh
Coventry Health CareshyStandard
Kaiser Foundation HP MidshyAtlantic StatesshyHigh
Kaiser Foundation HP MidshyAtlantic StatesshyStandard
MD IPAshyHigh
Massachusetts
Aetna Value Plan InshyNetwork
$70$70
$20$40
$20$40
$10$20
$20$30
$25$40
$25$40
$500
$200day x 3
$200day x 3
$100
$250dayx3
$150day x 3
20
Nothing
$3$15
$3$15
$7$17 Net
$12$22Net
$7
$10
$35$65
$30$60
$30$60
$30$50$45$65
$35$55$50$
$30$60
30to$60050 to$1200
Yes
Yes
Yes
Yes
70 Yes
Yes
Yes
563
563
83
83
583
864
864
867
867
846
864
864
831
831
876
969
969
927
927
937
892
892
813
813
867
871
871
836
836
841
606
606
702
702
677
Aetna Value Plan OutshyNetwork
Fallon Community Health PlanshyBasic
4040
$25$35
40
$150to$750max
50+
$10
50+50+
$30$60
No
Yes 627 851 882 929 883 801 649
37
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Michigan
Aetna Value Planshy All of Michigan 877shy459shy6604
Bluecare Network of MI shyHighshy East Region 800shy662shy6667
Bluecare Network of MI shyHighshy Southeast Region 800shy662shy6667
Grand Valley Health Plan shyHighshy Grand Rapids area 616shy949shy2410
Grand Valley Health Plan shyStdshy Grand Rapids area 616shy949shy2410
Health Alliance Plan shyHighshy Southeastern MichiganFlint Area 800shy556shy9765
Health Alliance Plan shyStdshy Southeastern MichiganFlint Area 800shy556shy9765
HealthPlus of MI shyHighshy East Michigan 800shy332shy9161
Total Health Care USA shyHighshy Michigan 800shy826shy2862
Minnesota
Aetna Value Planshy Most of Minnesota 877shy459shy6604
HealthPartners High Option shy Minnesota 800shy883shy2177
HealthPartners Standard Option shy Minnesota 800shy883shy2177
Mississippi Aetna Value Planshy Most of Mississippi 877shy459shy6604
G54 G55
K51 K52
LX1 LX2
RL1 RL2
RL4 RL5
521 522
GY4 GY5
X51 X52
A51 A52
H44 H45
V31 V32
V34 V35
H44 H45
12822 29119
22055 52593
18055 50747
24184 61492
19656 50897
20111 55722
16974 48191
13915 49809
13670 50117
13093 29732
26865 64982
8897 20464
13093 29732
52315 118808
65962 150359
61882 148476
68134 159436
63515 148629
63980 153551
60780 145869
56775 147520
55776 147834
53418 121307
70869 162996
36302 83494
53418 121307
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
38
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How well
doctors
communicate
Customer
service
Claims
processing
Plan Inform
ation
on Costs
Michigan
Aetna Value Plan InshyNetwork $25$40 20 $10
HMOP
30to$60050 to$1200
OS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Bluecare Network of MIshyHigh
Bluecare Network of MIshyHigh
Grand Valley Health PlanshyHigh
Grand Valley Health PlanshyStandard
Health Alliance PlanshyHigh
Health Alliance PlanshyStandard
HealthPlus of MIshyHigh
Total Health Care USAshyHigh
Minnesota
Aetna Value Plan InshyNetwork
4040
$15$25
$15$25
$10$10
$20$20
$10$20
$15$30
$10$20
$15$15
$25$40
40
Nothing
Nothing
Nothing
$500x3
Nothing
Nothing
None
None
20
50+
$10
$10
$5
$10
$5
$15
$0$8
$10
$10
50+50+
$30$60
$30$60
$15$15
NA$40
$50$50
$50$50
$40$60
$40$40
30to$60050 to$1200
No
Yes
Yes
No
No
Yes
Yes
Yes
Yes
Yes
651
651
742
742
793
793
793
899
899
90
90
888
888
919
875
875
912
912
862
862
92
933
933
952
952
943
943
951
884
884
883
883
899
899
946
937
937
836
836
902
902
919
672
672
795
795
656
656
658
Aetna Value Plan OutshyNetwork
HealthPartners High Option
HealthPartners Standard Option
Mississippi Aetna Value Plan InshyNetwork
4040
$25$45
$0 for 3 then 20
$25$40
40
Nothing
20 in40 out
20
50+
$12
$9
$10
50+50+
$45$90
$40$70
30to$60050 to$1200
No
Yes
Yes
Yes
647
647
893
893
875
875
951
951
92
92
911
911
725
725
Aetna Value Plan OutshyNetwork 4040 40 50+ 50+50+ No
39
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Missouri Aetna Value Planshy Most of Missouri
Aetna Open Access shyHighshy Kansas City area
Blue Preferred Plus POS shyHighshy StLouisCentralSW areas
Coventry Health Care of Kansas shyHighshy Kansas City Metro Area (KS and MO)
Coventry Health Care of Kansas shyStdshy Kansas City Metro Area (KS and MO)
Humana Value Plan shy Kansas City Area
Humana Health Plan Inc shyHighshy Kansas City
Humana Health Plan Inc shyStdshy Kansas City
United Healthcare of the Midwest Inc shyHighshy St Louis Area
Montana
Aetna Value Planshy SouthSoutheastWestern MT Areas
Nebraska
Aetna Value Planshy All of Nebraska
Nevada
Aetna Value Planshy Las Vegas Area
Aetna Open Access shyHighshy Clark County and Las Vegas areas
Health Plan of Nevada shyHighshy Las VegasEsmeralda and Nye counties
New Hampshire
Aetna Value Planshy All of New Hampshire
877shy459shy6604
877shy459shy6604
888shy811shy2092
800shy969shy3343
800shy969shy3343
888shy393shy6765
888shy393shy6765
888shy393shy6765
877shy835shy9861
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy545shy7378
877shy459shy6604
G54 G55
HY1 HY2
9G1 9G2
HA1 HA2
HA4 HA5
PH4 PH5
MS1 MS2
MS4 MS5
B91 B92
H44 H45
H44 H45
G54 G55
HF1 HF2
NM1 NM2
EP4 EP5
12822 29119
13577 50039
32158 67069
13519 32270
12568 29535
10247 22697
62521 139111
15825 35210
33072 74273
13093 29732
13093 29732
12822 29119
11267 36491
9883 23303
12694 28827
52315 118808
55396 147754
76267 165125
55160 129630
51276 120503
41809 92606
107238 238608
59608 132629
77200 172473
53418 121307
53418 121307
52315 118808
45970 133935
40322 95078
51792 117616
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
40
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How well
doctors
communicate
Customer
service
Claims
processing
Plan Inform
ation
on Costs
Missouri Aetna Value Plan InshyNetwork $25$40 20 $10
HMOP
30to$60050 to$1200
OS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
4040
$20$35
40
$250day x 4
50+
$10
50+50+
$35$100 $40$60
No
Yes 639 862 862 94 838 901 538
Blue Preferred Plus POS InshyNetwork $25$35 $500 $5 25$6025 Yes 647 891 861 961 84 864 685 Blue Preferred Plus POS OutshyNetwork Coventry Health Care of KansasshyHigh
Coventry Health Care of KansasshyStandard
Humana Value Plan InshyNetwork
30 after ded $30$60
$30$60
$35$55
30 after ded 25
30
20
NA $3 $12
$3 $12
$10
NA $50$75
$5020
$40$60
NA Yes
Yes
Yes
602
602
906
906
88
88
96
96
894
894
884
884
663
663
Humana Value Plan OutshyNetwork
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
United Healthcare of the Midwest IncshyHigh
Montana
Aetna Value Plan InshyNetwork
5050
$20$35
$25$40
$25$40
$25$40
50
$250day x 3
$500day x 3
$450
20
$10+
$10
$10
$7
$10
$40+$60+
$40$60
$40$60
$30$60
30to$60050 to$1200
No
Yes
Yes
Yes
Yes
676
676
665
903
903
919
901
901
902
951
951
957
881
881
892
918
918
898
729
729
732
Aetna Value Plan OutshyNetwork
Nebraska
Aetna Value Plan InshyNetwork
4040
$25$40
40
20
50+
$10
50+50+
30to$60050 to$1200
No
Yes Aetna Value Plan OutshyNetwork
Nevada
Aetna Value Plan InshyNetwork
4040
$25$40
40
20
50+
$10
50+50+
30to$60050 to$1200
No
Yes Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Health Plan of NevadashyHigh
New Hampshire
Aetna Value Plan InshyNetwork
4040
$20$35
$10$25
$25$40
40
$250day x 4
$300
20
50+
$10
$7
$10
50+50+
$35$100
$35$55$100
30to$60050 to$1200
No
Yes
Yes
Yes
602
516
838
696
861
66
923
892
849
892
918
912
636
529
Aetna Value Plan OutshyNetwork 4040 40 50+ 50+50+ No
41
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
New Jersey
Aetna Value Planshy All of New Jersey 877shy459shy6604
Aetna Open Access shyHighshy Northern New Jersey 877shy459shy6604
Aetna Open Access shyBasicshy Northern New Jersey 877shy459shy6604
Aetna Open Access shyHighshy Southern NJ 877shy459shy6604
Aetna Open Access shyBasicshy Southern NJ 877shy459shy6604
GHI Health Plan shyHighshy Northern New Jersey 212shy501shy4444
GHI Health Plan shyStdshy Northern New Jersey 212shy501shy4444
New Mexico
Aetna Value Planshy AlbuquerqueDona AnaHobbs Area 877shy459shy6604
Lovelace Health Plan shyHighshy All of New Mexico 800shy808shy7363
Presbyterian Health Plan shyHighshy All counties in New Mexico 800shy356shy2219
EP4 EP5
JR1 JR2
JR4 JR5
P31 P32
P34 P35
801 802
804 805
G54 G55
Q11 Q12
P21 P22
12694 28827
52355 123641
34184 82457
64801 164359
49560 118027
32591 93212
14135 33572
12822 29119
13099 30785
23940 56335
51792 117616
96868 222828
78334 180821
109563 264361
94017 217102
76709 191791
57672 130958
52315 118808
53445 125603
67885 154176
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
42
Primary care Hospital
Prescription Drugs
Member Survey Results
Mail lan
eeded
are
ll icate
r ng rmation
Plan Name ndash Location Specialist
office copay per stay
deductible Level I Level II Level III
order discount
Overall p
satisfaction
Getting n
care
Getting c
quickly
How
we
doctors
commun
Custome
service
Claims
processi
Plan
Info
on
Costs
New Jersey
Aetna Value Plan InshyNetwork $25$40 20 $10
HMO
30to$60050 to$1200
POS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Aetna Open AccessshyBasic
Aetna Open AccessshyHigh
Aetna Open AccessshyBasic
GHI Health Plan InshyNetwork
4040
$20$35
$15$35
$20$35
$15$35
$20$20
40
$250day x 4
20 Plan Allow
$250day x 4
20 Plan Allow
$150max$450
50+
$10
$5
$10
$5
$20
50+50+
$35$100
$35$100
$35$100
$35$100
$45$85
No
Yes
Yes
Yes
Yes
Yes
631
631
631
631
663
852
852
852
852
844
837
837
837
837
851
928
928
928
928
936
895
895
895
895
86
809
809
809
809
828
623
623
623
623
642 GHI Health Plan OutshyNetwork
GHI Health PlanshyStandard
New Mexico
Aetna Value Plan InshyNetwork
50 of sch
$30$30
$25$40
+50 of sch
$250day x 3
20
NA
$10
$10
NA
$45$85
30to$60050 to$1200
No
Yes
Yes
663 844 851 936 86 828 642
Aetna Value Plan OutshyNetwork
Lovelace Health PlanshyHigh
Presbyterian Health PlanshyHigh
4040
$25$35
$25$40
40
$250 after ded
$100 x 5 days
50+
$5
$10
50+50+
$35$6050
$40$7550
No
Yes
Yes
651
655
796
824
753
783
918
917
828
848
939
852
656
616
43
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
New York
Aetna Value Planshy Most of New York 877shy459shy6604
Aetna Open Access shyHighshy NYC AreaUpstate NY 877shy459shy6604
Aetna Open Access shyBasicshy NYC AreaUpstate NY 877shy459shy6604
CDPHP Universal Benefits Inc shyHighshy Upstate Hudson Valley Central NY 877shy269shy2134
CDPHP Universal Benefits Inc shyStdshy Upstate Hudson Valley Central NY 877shy269shy2134
GHI HMO Select shyHighshy BrnxBrklynManhatQueenRichmonWestche 877shy244shy4466
GHI HMO Select shyHighshy CapitalHudson Valley Regions 877shy244shy4466
GHI Health Plan shyHighshy All of New York 212shy501shy4444
GHI Health Plan shyStdshy All of New York 212shy501shy4444
HIP Health of Greater New York shyHighshy New York City area including Long Island 800shy447shy8255
HIP Health of Greater New York shyStdshy New York City area including Long Island 800shy447shy8255
Independent Health Association shyHighshy Western New York 800shy501shy3439
Independent Health Association shyStdshy Western New York 800shy501shy3439
MVP Health Care shyHighshy Eastern Region 888shy687shy6277
MVP Health Care shyStdshy Eastern Region 888shy687shy6277
MVP Health Care shyHighshy Western Region 888shy687shy6277
MVP Health Care shyStdshy Western Region 888shy687shy6277
MVP Health Care shyHighshy Central Region 888shy687shy6277
MVP Health Care shyStdshy Central Region 888shy687shy6277
MVP Health Care shyHighshy Northern Region 888shy687shy6277
MVP Health Care shyStdshy Northern Region 888shy687shy6277
MVP Health Care shyHighshy MidshyHudson Region 888shy687shy6277
MVP Health Care shyStdshy MidshyHudson Region 888shy687shy6277
EP4 EP5
JC1 JC2
JC4 JC5
SG1 SG2
SG4 SG5
6V1 6V2
X41 X42
801 802
804 805
511 512
514 515
QA1 QA2
C54 C55
GA1 GA2
GA4 GA5
GV1 GV2
GV4 GV5
M91 M92
M94 M95
MF1 MF2
MF4 MF5
MX1 MX2
MX4 MX5
12694 28827
40198 109033
26007 71920
22952 71235
12294 32053
19548 60991
14167 47634
32591 93212
14135 33572
17000 63158
12206 34562
18597 58201
14454 47853
16586 53386
13377 39674
13042 35704
11193 28006
17110 54877
13779 42651
25417 75411
22349 67734
18731 58664
13657 42345
51792 117616
84468 207928
69993 170073
66877 169374
50161 129408
63405 158925
57800 145301
76709 191791
57672 130958
60806 161136
49800 131968
62435 156079
58209 145524
60384 151168
54580 137182
53210 133132
45669 114266
60918 152689
56220 140218
69392 173634
66262 165803
62572 156552
55723 139906
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
44
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How well
doctors
communicate
Customer
service
Claims
processing
Plan Inform
ation
on Costs
New York
Aetna Value Plan InshyNetwork $25$40 20 $10
HMOP
30to$60050 to$1200
OS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Aetna Open AccessshyBasic
CDPHP Universal Benefits IncshyHigh
CDPHP Universal Benefits IncshyStandard
GHI HMO SelectshyHigh
GHI HMO SelectshyHigh
GHI Health Plan InshyNetwork
4040
$20$35
$15$35
$20$30
$25$40
$25$40
$25$40
$20$20
40
$250day x 4
20 Plan Allow
$100 x 5
$500+10
$500
$500
$150max$450
50+
$10
$5
25
30
$10
$10
$20
50+50+
$35$100
$35$100
2525
3030
$30$50
$30$50
$45$85
No
Yes
Yes
No
No
Yes
Yes
Yes
662
662
729
729
663
848
848
928
928
844
849
849
90
90
851
937
937
949
949
936
888
888
922
922
86
874
874
924
924
828
547
547
70
70
642 GHI Health Plan OutshyNetwork
GHI Health PlanshyStandard
HIP Health of Greater New YorkshyHigh
HIP Health of Greater New YorkshyStandard
Independent Health Assoc InshyNetwork
50 of sch
$30$30
$20$40
$30$50
$25$25
+50 of sch
$250day x 3
None
$1000
$250
NA
$10
$15
$15$100Ded
$10
NA
$45$85
$35$75
$30$75
$35$75 $75$100Ded
No
Yes
Yes
Yes
No
663
729
729
735
844
814
814
933
851
786
786
923
936
888
888
952
86
787
787
92
828
848
848
916
642
60
60
755 Independent Health Assoc OutshyNetwork
Independent Health Association InshyNetwork
2525
$30$50
25
$750
NA
$10
NA
$5050
No
Yes Independent Health Association OutshyNetwork
MVP Health CareshyHigh
MVP Health CareshyStandard
MVP Health CareshyHigh
MVP Health CareshyStandard
MVP Health CareshyHigh
MVP Health CareshyStandard
MVP Health CareshyHigh
MVP Health CareshyStandard
MVP Health CareshyHigh
MVP Health CareshyStandard
3030
$25$25
$30$50
$25$25
$30$50
$25$25
$30$50
$25$25
$30$50
$25$25
$30$50
30
$500
$750
$500
$750
$500
$750
$500
$750
$500
$750
NA
$5
$5
$5
$5
$5
$5
$5
$5
$5
$5
NA
$35$70
$45$90
$35$70
$45$90
$35$70
$45$90
$35$70
$45$90
$35$70
$45$90
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
739
739
739
739
739
739
739
739
739
739
934
934
934
934
934
934
934
934
934
934
89
89
89
89
89
89
89
89
89
89
962
962
962
962
962
962
962
962
962
962
896
896
896
896
896
896
896
896
896
896
92
92
92
92
92
92
92
92
92
92
768
768
768
768
768
768
768
768
768
768
45
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
North Carolina
Aetna Value Planshy All of North Carolina 877shy459shy6604
North Dakota
Aetna Value Planshy Most of North Dakota 877shy459shy6604
HealthPartners High Option shy Eastern North Dakota 800shy883shy2177
HealthPartners Standard Option shyEastern North Dakota 800shy883shy2177
Sanford Heart of America Health Plan shyHighshy Northcentral North Dakota 800shy525shy5661
Sanford Health Plan shyHighshy North Dakota 800shy752shy5863
Sanford Health Plan shyStdshy North Dakota 800shy752shy5863
Ohio
Aetna Value Planshy All of Ohio 877shy459shy6604
AultCare HMO shyHighshy StarkCarrollHolmesTuscarawasWayne Co 330shy363shy6360
Humana Health Plan of Ohio shyHighshy Greater Cincinnati Area 888shy393shy6765
Humana Health Plan of Ohio shyStdshy Greater Cincinnati Area 888shy393shy6765
HealthSpan Integrated CareshyClevelandAkron areas 800shy686shy7100
HealthSpan Integrated CareshyStdshyClevelandAkron areas 800shy686shy7100
The Health Plan of the Upper Ohio Valley shyHighshy Eastern Ohio 800shy624shy6961
Oklahoma
Aetna Value Planshy All of Oklahoma 877shy459shy6604
Globalhealth Inc shyHighshy Oklahoma 877shy280shy5600
F54 F55
H44 H45
V31 V32
V34 V35
RU1 RU2
C91 C92
C94 C95
JS4 JS5
3A1 3A2
A61 A62
A64 A65
641 642
644 645
U41 U42
JS4 JS5
IM1 IM2
13058 29656
13093 29732
26865 64982
8897 20464
13803 47086
20976 51441
14143 45836
17258 41140
14204 44676
13880 30882
12491 27794
28758 69344
13114 30163
26271 60855
17258 41140
11810 28460
53279 120995
53418 121307
70869 162996
36302 83494
56317 144742
64862 149184
57705 143467
61069 138677
57953 142284
56629 125999
50965 113400
72799 167445
53504 123066
70263 158786
61069 138677
48185 116118
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
46
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How well
doctors
communicate
Customer
service
Claims
processing
Plan Inform
ation
on Costs
North Carolina
Aetna Value Plan InshyNetwork $25$40 20 $10
HMOP
30to$60050 to$1200
OS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
North Dakota
Aetna Value Plan InshyNetwork
4040
$25$40
40
20
50+
$10
50+50+
30to$60050 to$1200
No
Yes Aetna Value Plan OutshyNetwork
HealthPartners High Option
HealthPartners Standard Option
Sanford Heart of America Health Plan InshyNetwork
4040
$25$45
$0 for 3 then 20
$15$25
40
Nothing
20 in40 out
None
50+
$12
$9
50$600ded
50+50+
$45$90
$40$70
50$600 ded
No
Yes
Yes
None
647
647
893
893
875
875
951
951
92
92
911
911
725
725
Sanford Heart of America Health Plan OutshyNetwork
Sanford Health Plan InshyNetwork
2020
$20$30
20
$100day x 5
NA
$15
NA
$30$50
NA
NA 535 903 89 977 902 912 558 Sanford Health Plan OutshyNetwork
Sanford Health Plan InshyNetwork
4040
$25$25
40
$100day x 5
40+
$15
40+40+
$30$50
NA
NA 535 903 89 977 902 912 558 Sanford Health Plan OutshyNetwork
Ohio
Aetna Value Plan InshyNetwork
40+40+
$25$40
40+
20
40+
$10
40+40+
30to$60050 to$1200
NA
Yes Aetna Value Plan OutshyNetwork
AultCare HMOshyHigh
Humana Health Plan of OhioshyHigh
Humana Health Plan of OhioshyStandard
HealthSpan Integrated CareshyHigh
HealthSpan Integrated CareshyStandard
The Health Plan of the Upper Ohio ValleyshyHigh
Oklahoma
Aetna Value Plan InshyNetwork
4040
$15$20
$20$35
$25$40
$20$20
$30$40
$10$20
$25$40
40
$150
$250day x 3
$500day x 3
$250
$500
$250
20
50+
$15
$10
$10
$10
$15
$15
$10
50+50+
$30$40$55
$40$60
$40$60
$30$30
$40$40
$30$50
30to$60050 to$1200
No
No
Yes
Yes
Yes
Yes
Yes
Yes
877
788
788
744
922
845
845
909
907
889
889
876
941
922
922
951
944
935
935
929
935
906
906
944
853
708
708
745
Aetna Value Plan OutshyNetwork
Globalhealth IncshyHigh
4040
$15$45
40
$250dymx1000
50+
$4$10
50+50+
$45$70
No
Yes 592 816 839 916 893 872 727
47
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Oregon
Aetna Value Planshy Most of Oregon
Kaiser Foundation Health Plan of Northwest shyHighshy PortlandSalem areas
Kaiser Foundation Health Plan of Northwest shyStdshy PortlandSalem areas
Pennsylvania
Aetna Value Planshy All of Pennsylvania
Aetna Open Access shyHighshy Philadelphia
Aetna Open Access shyBasicshy Philadelphia
Aetna Open Access shyHighshy Pittsburgh and Western PA Areas
Geisinger Health Plan shyStdshy NortheasternCentralSouth Central areas
HealthAmerica Pennsylvania shyHighshy Greater Pittsburgh Area
UPMC Health Plan shyHighshy Western Pennsylvania
UPMC Health Plan shyStdshy Western Pennsylvania
Puerto Rico
Humana Health Plans of Puerto Rico Inc shyHighshy Puerto Rico
TripleshyS Salud Inc shyHighshy All of Puerto Rico
Rhode Island
Aetna Value Planshy All of Rhode Island
South Carolina
Aetna Value Planshy All of South Carolina
877shy459shy6604
800shy813shy2000
800shy813shy2000
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
800shy447shy4000
866shy351shy5946
888shy876shy2756
888shy876shy2756
800shy314shy3121
787shy774shy6060
877shy459shy6604
877shy459shy6604
H44 H45
571 572
574 575
H44 H45
P31 P32
P34 P35
YE1 YE2
GG4 GG5
261 262
8W1 8W2
UW4 UW5
ZJ1 ZJ2
891 892
EP4 EP5
JS4 JS5
13093 29732
22672 52645
13617 31283
13093 29732
64801 164359
49560 118027
19203 59806
16820 41884
17814 47183
22135 54101
13345 30692
8026 18317
8829 19866
12694 28827
17258 41140
53418 121307
66592 150412
55557 127637
53418 121307
109563 264361
94017 217102
63053 157716
60623 139436
61637 144841
66044 151897
54448 125225
32748 74733
36023 81052
51792 117616
61069 138677
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
48
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay
deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How
well
doctors
communicate
Customer
service
Claims
processing
Plan
Information
on
Costs
Oregon
Aetna Value Plan InshyNetwork $25$40 20 $10
HMOP
30to$60050 to$1200
OS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Kaiser Foundation HP of NorthwestshyHigh
Kaiser Foundation HP of NorthwestshyStandard
Pennsylvania
Aetna Value Plan InshyNetwork
4040
$20$30
$30$40
$25$40
40
$200
$500
20
50+
$15
$20
$10
50+50+
$40$60
$40$60
30to$60050 to$1200
No
Yes
Yes
Yes
768
768
844
844
847
847
916
916
927
927
89
89
683
683
Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Aetna Open AccessshyBasic
Aetna Open AccessshyHigh
Geisinger Health PlanshyStandard
HealthAmerica PennsylvaniashyHigh
UPMC Health PlanshyHigh
UPMC Health PlanshyStandard
Puerto Rico
Humana Health Plans of PR InshyNetwork
4040
$20$35
$15$35
$20$35
$20$35
$25$50
10 after Deduct
20 after Deduct
$5$5
40
$250day x 4
20 Plan Allow
$250day x 4
20aftrDeduct
15 after ded
10 after deduct
20after Deduct
None
50+
$10
$5
$10
30 $5$15
$5
$5 after ded
$5 after ded
$250
50+50+
$35$100
$35$100
$35$100
$35$60
$35$75
$35$75$100
$10$15
40 $40$120 50 $85$250
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
579
579
579
668
699
754
754
806
861
861
861
868
873
908
908
803
835
835
835
85
885
899
899
82
935
935
935
938
957
97
97
938
887
887
887
906
86
913
913
887
899
899
899
902
921
904
904
70
631
631
631
677
671
678
678
541 Humana Health Plans of PR OutshyNetwork $10$10 $50 NA NA
Greater of $15 or Yes
TripleshyS Salud Inc InshyNetwork TripleshyS Salud Inc OutshyNetwork
Rhode Island
Aetna Value Plan InshyNetwork
$750$10
$25$40
$750 amp 10 +$10 amp 10 +
None 10 +
20
$5 or $12 NA
$10
NA
2025 up to$100$175max
30to$60050 to$1200
Yes No
Yes
691 874 844 963 872 75 586
Aetna Value Plan OutshyNetwork
South Carolina
Aetna Value Plan InshyNetwork
4040
$25$40
40
20
50+
$10
50+50+
30to$60050 to$1200
No
Yes Aetna Value Plan OutshyNetwork 4040 40 50+ 50+50+ No
49
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of Your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
South Dakota
Aetna Value Planshy Rapid CitySioux Falls Area 877shy459shy6604
HealthPartners High Option shy Eastern South Dakota 800shy883shy2177
HealthPartners Standard Option shyEastern South Dakota 800shy883shy2177
Sanford Health Plan shyHighshy EasternCentralRapid City Areas 800shy752shy5863
Sanford Health Plan shyStdshy EasternCentralRapid City Areas 800shy752shy5863
Tennessee
Aetna Value Planshy Most of Tennessee 877shy459shy6604
Aetna Open Access shyHighshy Memphis Area 877shy459shy6604
Humana Health Plan Inc shyHighshy Knoxville 888shy393shy6765
Humana Health Plan Inc shyStdshy Knoxville 888shy393shy6765
G54 G55
V31 V32
V34 V35
AU1 AU2
AU4 AU5
F54 F55
UB1 UB2
GJ1 GJ2
GJ4 GJ5
12822 29119
26865 64982
8897 20464
26173 63455
23647 57594
13058 29656
24581 76516
15825 35210
12491 27794
52315 118808
70869 162996
36302 83494
70163 161438
67586 155460
53279 120995
68539 174761
59608 132629
50965 113400
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
50
Primary
Prescription Drugs
Member Survey Results
ded ation
care Hospital Mail
plan
Getting nee
care
How well
teica
r ng rm
Plan Name ndash Location Specialist office copay
per stay deductible Level I
Level II Level III
order discount
Overall
satisfaction
care
Getting
quickly
doctors
commun
Custome
service
Claims
processi
Plan Info
on Costs
South Dakota
Aetna Value Plan InshyNetwork $25$40 20 $10
HMOP
30to$60050 to$1200
OS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
HealthPartners High Option
HealthPartners Standard Option
Sanford Health Plan InshyNetwork
4040
$25$45
$0 for 3 then 20
$20$30
40
Nothing
20 in40 out
$100day x 5
50+
$12
$9
$15
50+50+
$45$90
$40$70
$30$50
No
Yes
Yes
NA
647
647
535
893
893
903
875
875
89
951
951
977
92
92
902
911
911
912
725
725
558 Sanford Health Plan OutshyNetwork
Sanford Health Plan InshyNetwork
4040
$25$25
40
$100day x 5
40+
$15
40+40+
$30$50
NA
NA
535
535 903 89 977 902 912 558 Sanford Health Plan OutshyNetwork
Tennessee
Aetna Value Plan InshyNetwork
40+40+
$25$40
40+
20
40+
$10
40+40+
30to$60050 to$1200
NA
Yes Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
4040
$20$35
$20$35
$25$40
40
$250day x 4
$250day x 3
$500day x 3
50+
$10
$10
$10
50+50+
$35$100
$40$60
$40$60
No
Yes
Yes
Yes
66 875 868 959 889 914 69
51
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Texas
Aetna Value Planshy All of Texas 877shy459shy6604
Aetna Whole Health shyBasicshy Houston Area 877shy459shy6604
Firstcare shyHighshy Waco area 800shy884shy4901
Firstcare shyHighshy West Texas 800shy884shy4901
Firstcare shyHighshy TaylorCallahanEastland 800shy884shy4901
Firstcare shyHighshy Lubbock area 800shy884shy4901
Firstcare shyHighshy BryanCollege Station Area 800shy884shy4901
Humana Value Plan shy Corpus Christi Area 888shy393shy6765
Humana Value Plan shy San Antonio Area 888shy393shy6765
Humana Value Plan shy Austin Area 888shy393shy6765
Humana Health Plan of Texas shyHighshy Houston 888shy393shy6765
Humana Health Plan of Texas shyStdshy Houston 888shy393shy6765
Humana Health Plan of Texas shyHighshy Corpus Christi 888shy393shy6765
Humana Health Plan of Texas shyStdshy Corpus Christi 888shy393shy6765
Humana Health Plan of Texas shyHighshy San Antonio 888shy393shy6765
Humana Health Plan of Texas shyStdshy San Antonio 888shy393shy6765
Humana Health Plan of Texas shyHighshy Austin 888shy393shy6765
Humana Health Plan of Texas shyStdshy Austin 888shy393shy6765
Scott amp White Health Plan shyStdshy Central TX amp Some SE and SW Counties 800shy321shy7947
UnitedHealthcare Benefits of Texas Inc shyHighshy San Antonio 866shy546shy0510
JS4 JS5
ES1 ES2
B71 B72
CK1 CK2
CN1 CN2
CZ1 CZ2
ET1 ET2
TP4 TP5
TU4 TU5
TV4 TV5
EW1 EW2
EW4 EW5
UC1 UC2
UC4 UC5
UR1 UR2
UR4 UR5
UU1 UU2
UU4 UU5
A84 A85
GF1 GF2
17258 41140
12817 40332
11057 37880
10809 34896
13391 65886
13031 61566
12638 56836
10247 22697
10247 22697
10247 22697
13880 30882
12491 27794
17899 39821
13880 30882
55020 122416
13880 30882
26524 59015
15825 35210
14907 37260
32515 78160
61069 138677
52295 137853
45113 135352
44103 132308
54635 163918
53169 159512
51562 154687
41809 92606
41809 92606
41809 92606
56629 125999
50965 113400
61723 137332
56629 126001
99587 221579
56629 126001
70521 156910
59608 132629
58671 134720
76632 176438
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
52
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How well
doctors
communicate
Customer
service
Claims
processing
Plan Inform
ation
on Costs
Texas
Aetna Value Plan InshyNetwork $25$40 20 $10
HMO
30to$60050 to$1200
POS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Aetna Whole Health InshyNetwork
4040
$5$25$35
40
15
50+
$5
50+50+
$35$60
No
Yes Aetna Whole Health OutshyNetwork
FirstcareshyHigh
FirstcareshyHigh
FirstcareshyHigh
FirstcareshyHigh
FirstcareshyHigh
Humana Value Plan InshyNetwork
4040
$30$55
$30$55
$30$55
$30$55
$30$55
$35$55
40
$250day x 5
$250day x 5
$250day x 5
$250day x 5
$250day x 5
20
40
$10
$10
$10
$10
$10
$10
4040
$35$70
$35$70
$35$70
$35$70
$35$70
$40$60
No
Yes
Yes
Yes
Yes
Yes
Yes Humana Value Plan OutshyNetwork
Humana Value Plan InshyNetwork
5050
$35$55
50
20
$10+
$10
$40+$60+
$40$60
No
Yes Humana Value Plan OutshyNetwork
Humana Value Plan InshyNetwork
5050
$35$55
50
20
$10+
$10
$40+$60+
$40$60
No
Yes Humana Value Plan OutshyNetwork
Humana Health Plan of TexasshyHigh
Humana Health Plan of TexasshyStandard
Humana Health Plan of TexasshyHigh
Humana Health Plan of TexasshyStandard
Humana Health Plan of TexasshyHigh
Humana Health Plan of TexasshyStandard
Humana Health Plan of TexasshyHigh
Humana Health Plan of TexasshyStandard
Scott amp White Health PlanshyStandard
UnitedHealthcare Benefits of Texas IncshyHigh
5050
$20$35
$25$40
$20$35
$25$40
$20$35
$25$40
$20$35
$25$40
$20$45
$20$40
50
$250day x 3
$500day x 3
$250day x 3
$500day x 3
$250day x 3
$500day x 3
$250day x 3
$500day x 3
10
$250day x 5
$10+
$10
$10
$10
$10
$10
$10
$10
$10
$5
$10
$40+$60+
$40$60
$40$60
$40$60
$40$60
$40$60
$40$60
$40$60
$40$60
$45$100
$35$60
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
63
63
702
835
835
862
764
764
863
931
931
937
864
864
875
856
856
87
673
673
569
53
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Utah
Aetna Value Planshy Most of Utah 877shy459shy6604
Altius Health Plans shyHighshy Wasatch Front 800shy377shy4161
Altius Health Plans shyStdshy Wasatch Front 800shy377shy4161
SelectHealth shyHighshy Urban and Suburban Utah 800shy538shy5038
SelectHealth shyStdshy Urban and Suburban Utah 800shy538shy5038
Vermont Aetna Value Planshy All of Vermont 877shy459shy6604
Virgin Islands
TripleshyS Salud Inc shyHighshy US Virgin Islands 800shy981shy3241
G54 G55
9K1 9K2
DK4 DK5
SF1 SF2
SF4 SF5
EP4 EP5
851 852
12822 29119
19819 42542
11798 25954
19210 43095
12435 27741
12694 28827
10305 23402
52315 118808
63682 140107
48136 105894
63060 140671
50737 113183
51792 117616
42043 95481
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
54
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How well
doctors
communicate
Customer
service
Claims
processing
Plan Inform
ation
on Costs
Utah
Aetna Value Plan InshyNetwork $25$40 20 $10
HMO
30to$60050 to$1200
POS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Altius Health PlansshyHigh
Altius Health PlansshyStandard
SelectHealthshyHigh
SelectHealthshyStandard
Vermont Aetna Value Plan InshyNetwork
4040
$20$30
$20$40
$15$25
$20$30
$25$40
40
$200
None
$100
$100 after
20
50+
$7
$7
$5$25$50
$5$25$50
$10
50+50+
$25$50
$35$60
$25$50$50
$25 $50$50
30to$60050 to$1200
No
No
None
Yes
Yes
Yes
552
552
629
629
852
852
876
876
813
813
851
851
948
948
958
958
883
883
912
912
895
895
903
903
588
588
64
64
Aetna Value Plan OutshyNetwork
Virgin Islands
4040 40 50+ 50+50+ No
Greater of $15 or TripleshyS Salud Inc InshyNetwork TripleshyS Salud Inc OutshyNetwork
$750$10 $750 amp 10 +$10 amp 10 +
None 10 +
$5 or $12 NA NA
2025 up to$100$175max
Yes No
691 874 844 963 872 75 586
55
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Virginia
Aetna Value Planshy Most of Virginia 877shy459shy6604
Aetna Open Access shyHighshy NorthernCentralRichmond Virginia Areas 877shy459shy6604
Aetna Open Access shyBasicshy NorthernCentralRichmond Virginia Areas 877shy459shy6604
Aetna Whole Health shyBasicshy Roanoke VA area 877shy459shy6604
Aetna Whole Health shyBasicshy Newport News VA area 877shy459shy6604
CareFirst BlueChoice shyHighshy Northern Virginia 888shy789shy9065
CareFirst BlueChoice shyStdshy Northern Virginia 888shy789shy9065
HealthKeepers Inc shyHighshy Virginia 855shy580shy1200
Kaiser Foundation Health Plan MidshyAtlantic States shyHighshy Northern VirginiaFredericksburg area 877shy574shy3337
Kaiser Foundation Health Plan MidshyAtlantic States shyStdshy Northern VirginiaFredericksburg area 877shy574shy3337
MD IPA shyHighshy Northern Viginia 877shy835shy9861
Optima Health Plan shyHighshy Hampton Roads and Richmond areas 800shy206shy1060
Optima Health Plan shyStdshy Hampton Roads and Richmond areas 800shy206shy1060
Piedmont Community Healthcare shyHighshy Lynchburg area 888shy674shy3368
Washington
Aetna Value Planshy Most of Washington 877shy459shy6604
Aetna Open Access shyHighshy Seattle and Spokane areas 877shy459shy6604
Group Health Cooperative shyHighshy Western WACentral WASpokanePullman 888shy901shy4636
Group Health Cooperative shyStdshy Western WACentral WASpokanePullman 888shy901shy4636
KPS Health Plans shyStdshy All of Washington 800shy552shy7114
KPS Health Plans shyHighshy All of Washington 800shy552shy7114
Kaiser Foundation Health Plan of Northwest shyHighshy VancouverLongview 800shy813shy2000
Kaiser Foundation Health Plan of Northwest shyStdshy VancouverLongview 800shy813shy2000
F54 F55
JN1 JN2
JN4 JN5
D91 D92
J91 J92
2G1 2G2
2G4 2G5
A91 A92
E31 E32
E34 E35
JP1 JP2
9R1 9R2
9R4 9R5
2C1 2C2
G54 G55
C31 C32
541 542
544 545
L11 L12
VT1 VT2
571 572
574 575
13058 29656
46867 105610
14021 31351
12138 40332
11280 29365
21177 48693
15284 35429
20427 47008
16926 42124
9646 22186
20245 50123
26858 69565
11269 26665
12235 28017
12822 29119
14933 62274
27070 55009
11742 26509
12426 26823
31651 67459
22672 52645
13617 31283
53279 120995
91271 204437
57208 127913
49524 137853
46023 119808
65067 146381
59056 132852
64302 144663
60731 139681
39358 90520
64116 147840
70861 167671
45977 108794
49920 114308
52315 118808
58698 160234
71078 152824
47908 108156
50700 109437
75750 165523
66592 150412
55557 127637
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
56
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How well
doctors
communicate
Customer
service
Claims
processing
Plan Inform
ation
on Costs
Virginia
Aetna Value Plan InshyNetwork Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Aetna Open AccessshyBasic
Aetna Whole Health InshyNetwork Aetna Whole Health OutshyNetwork
Aetna Whole Health InshyNetwork Aetna Whole Health OutshyNetwork
CareFirst BlueChoiceshyHigh
CareFirst BlueChoice InshyNetwork
$25$40 4040
$15$30
$20$35
$25$35 4040
$5$25$35 4040
$25$35
Nothing$35
20 40
$150day x3
10 Plan Allow
15 40
15 40
$200
$200
$10 50+
$5
$10
$5 40
$5 40
Nothing
Nothing
HMO
50+50+
$35$100
$35$100
$35$60 4040
$35$60 4040
$35$65
$35$65
30to$60050 to$1200
POS National
Yes No
Yes
Yes
Yes No
Yes No
Yes
Yes
Average
69
69
648
648
679
844
844
86
86
864
872
872
833
833
849
942
942
925
925
942
865
865
846
846
877
914
914
902
902
875
567
567
54
54
649
CareFirst BlueChoice OutshyNetwork
HealthKeepers IncshyHigh
Kaiser Foundation HP MidshyAtlantic StatesshyHigh
Kaiser Foundation HP MidshyAtlantic StatesshyStandard
MD IPAshyHigh
Optima Health PlanshyHigh
Optima Health PlanshyStandard
Piedmont Community HealthcareshyHigh
Washington
Aetna Value Plan InshyNetwork Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Group Health CooperativeshyHigh
Group Health CooperativeshyStandard
KPS Health Plans InshyNetwork KPS Health Plans OutshyNetwork
KPS Health Plans InshyNetwork KPS Health Plans OutshyNetwork
Kaiser Foundation HP of NorthwestshyHigh
Kaiser Foundation HP of NorthwestshyStandard
$70$70
$10$20
$20$30
$25$40
$25$30
$35$35
$25$40 4040
$20$35
$25$25
$25$35
$154 or 2020
$30$30 $30+40+diff
$20$30
$30$40
$0$3530NonshyNetwork
$20$0childlt22$30
$154+40+diff 40+diff
$500
$200 x3 days
$100
$250dayx3
$150day x 3
$150max$750
$20020
20
20 40
$250day x 4
$350
$500
Nothing Nothing
None None
$200
$500
Nothing
$0
$7$17 Net
$12$22Net
$7
$10
$10
$15
$10 50+
$10
$20
$20
$10 Not Covered
$5 Not Covered
$15
$20
$35$65
$30$50$50
$30$50$45$65
$35$55$50$70
$30$60
$40$55
50+50+
$35$100
$40$60
$40$60
Not Covered
NA
$40$60
$40$60
$353050up to $3000
$355050 up to $3000
$35$50 30day$100 90day
$25$50 30day$100 90day
30to$60050 to$1200
Yes
Yes
Yes
Yes
Yes
Yes
No
No
Yes No
Yes
Yes
Yes
Yes No
Yes No
Yes
Yes
83
83
583
692
692
659
659
798
798
768
768
867
867
846
864
864
86
86
94
94
844
844
833
831
831
876
886
886
869
869
928
928
847
847
927
927
937
969
969
941
941
957
957
916
916
813
813
867
87
87
912
912
931
931
927
927
836
836
841
916
916
881
881
897
897
89
89
702
702
677
674
674
692
692
65
65
683
683
57
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
West Virginia
Aetna Value Planshy Most of West Virginia 877shy459shy6604
The Health Plan of the Upper Ohio Valley shyHighshy NorthernCentral West Virginia 800shy624shy6961
Wisconsin
Aetna Value Planshy All of Wisconsin 877shy459shy6604
Aetna Whole Health shyBasicshy Milwaukee WI Area 877shy459shy6604
Dean Health Plan shyHighshy South Central Wisconsin 800shy279shy1301
Group Health Cooperative shyHighshy South Central Wisconsin 800shy605shy4327
HealthPartners High Option shy Western Wisconsin 800shy883shy2177
HealthPartners Standard Option shy Western Wisconsin 800shy883shy2177
MercyCare HMO shyHighshy South Central Wisconsin 800shy895shy2421
Physicians Plus shyHighshy All of WI 800shy545shy5015
Wyoming
Aetna Value Plan shyBasicshy All of Wyoming 877shy459shy6604
Altius Health Plans shyHighshy Uinta County 800shy377shy4161
Altius Health Plans shyStdshy Uinta County 800shy377shy4161
F54 F55
U41 U42
JS4 JS5
F71 F72
WD1 WD2
WJ1 WJ2
V31 V32
V34 V35
EY1 EY2
LW1 LW2
H44 H45
9K1 9K2
DK4 DK5
13058 29656
26271 60855
17258 41140
10600 29208
24382 72670
15910 51534
26865 64982
8897 20464
14597 48275
16556 55954
13093 29732
19819 42542
11798 25954
53279 120995
70263 158786
61069 138677
43250 119170
68336 170838
59694 149279
70869 162996
36302 83494
58355 145955
60353 153787
53418 121307
63682 140107
48136 105894
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
58
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Claims
processing
Getting needed
care
Getting care
quickly
How well
doctors
communicate
Customer
service
Plan Inform
ation
on Costs
West Virginia
Aetna Value Plan InshyNetwork Aetna Value Plan OutshyNetwork
The Health Plan of the Upper Ohio ValleyshyHigh
Wisconsin
Aetna Value Plan InshyNetwork Aetna Value Plan OutshyNetwork
Aetna Whole Health InshyNetwork Aetna Whole Health OutshyNetwork
Dean Health PlanshyHigh
Group Health CooperativeshyHigh
HealthPartners High Option
HealthPartners Standard Option
MercyCare HMOshyHigh
Physicians PlusshyHigh
Wyoming
Aetna Value Plan InshyNetwork Aetna Value Plan OutshyNetwork
Altius Health PlansshyHigh
Altius Health PlansshyStandard
$25$40 4040
$10$20
$25$40 4040
$25$35 4040
$25$25
$10$10
$25$45
$0 for 3 then 20
$10$10
$10$10
$25$40 4040
$20$30
$20$40
20 40
$250
20 40
15 40
None
None
Nothing
20 in40 out
Nothing
Nothing
20 40
$200
None
$10 Yes 50+ 50+50+ No
$15 $30$50 Yes
$10 Yes 50+ 50+50+ No
$5 $35$60 Yes 40 4040 No
$10 Yes
$5 $20$20 Yes
$12 $45$90 Yes
$9 $40$70 Yes
$10 $20$50 Yes
$10 3050 No
$10 Yes 50+ 50+50+ No
$7 $25$50 No
$7 $35$60 None
HMOPOS National Average
30$75max 50 wmin$50
30to$60050 to$1200
30to$60050 to$1200
30to$60050 to$1200
744
682
785
647
647
784
601
552
552
679
909 876 951 929 944
909 90 97 834 879
834 834 953 929 932
893 875 951 92 911
893 875 951 92 911
888 854 938 888 87
857 822 96 863 866
852 813 948 883 895
852 813 948 883 895
864 849 942 877 875
745
588
718
725
725
684
686
588
588
649
59
Appendix E FEHB Plan Comparison Charts
High Deductible and ConsumershyDriven Health Plans With a Health Savings Account or Health Reimbursement Arrangement
(Pages 64 through 83)
A High Deductible Health Plan (HDHP) provides comprehensive coverage for highshycost medical events and a taxshyadvantaged way to help you build savings for future medical expenses The HDHP gives you greater flexibility and discretion over how you use your health care benefits
When you enroll your health plan establishes for you either a Health Savings Account (HSA) or a Health Reimbursement Arrangement (HRA) The plan automatically deposits the monthly ldquopremium pass throughrdquo into your HSA The plan credits an amount into the HRA (This is the ldquoPremium Contribution to HSAHRArdquo column in the following charts)
Preventive care is covered in full As you receive other nonshypreventive medical care you must meet the plan deductible before the health plan pays benefits You can choose to pay your deductible with funds from your HSA or you can choose instead to pay for your deductible outshyofshypocket allowing your savings to continue to grow
The HDHP features higher annual deductibles (a minimum of $1250 for Self Only and $2500 for Self and Family coverage) and annual outshyofshypocket limits (not to exceed $6350 for Self Only and $12700 for Self and Family coverage) than other insurance plans Depending on the HDHP you choose you may have the choice of using InshyNetwork and OutshyofshyNetwork providers There may be higher deductibles and outshyofshypocket limits when you use OutshyofshyNetwork providers Using InshyNetwork providers will save you money
Health Savings Account (HSA)
A Health Savings Account allows individuals to pay for current health expenses and save for future qualified medical expenses on a preshytax basis Funds deposited into an HSA are not taxed the balance in the HSA grows tax free and that amount is available on a tax free basis to pay medical costs You are eligible for an HSA if you are enrolled in an HDHP not covered by any other health plan that is not an HDHP (including a spousersquos health plan but does not include specific injury insurance and accident disability dental care vision care or longshyterm coverage) not enrolled in Medicare not received VA benefits or IHS benefits within the last three months not covered by your own or your spousersquos flexible spending account (FSA) and are not claimed as a dependent on someone elsersquos tax return If you are enrolled in a High Deductible Health Plan with an HSA you may not participate in a Health Care Flexible Spending Account (HCFSA) but you are permitted to participate in a Limited Expense (LEX) HCFSA HSAs are subject to a number of rules and limitations established by the Department of the Treasury
Visit wwwtreasurygovresourceshycenterfaqstaxespageshealthshysavingsshyaccountsaspx for more information The 2014 maximum contribution limits are $3300 for Self Only coverage and $6550 for Self and Family coverage If you are over 55 you can make an additional ldquocatch uprdquo contribution You can use funds in your account to help pay your health plan deductible
60
Appendix E FEHB Plan Comparison Charts
High Deductible and ConsumershyDriven Health Plans With a Health Savings Account or Health Reimbursement Arrangement
Features of an HSA include
bull Taxshydeductible deposits you make to the HSA Your own HSA contributions are either taxshydeductible or preshytax (if made by payroll deduction) See IRS Publication 969
bull Taxshydeferred interest earned on the account
bull Taxshyfree withdrawals for qualified medical expenses
bull Carryover of unused funds and interest from year to year
bull Portability the account is owned by you and is yours to keep ndash even when you retire leave government service or change plans
Health Reimbursement Arrangement (HRA)
Health Reimbursement Arrangements are a common feature of ConsumershyDriven Health Plans They may be referred to by the health plan under a different name such as personal care account They are also available to enrollees in High Deductible Health Plans who are not eligible for an HSA HRAs are similar to HSAs except
bull An enrollee cannot make deposits into an HRA
bull A health plan may impose a ceiling on the value of an HRA
bull Interest is not earned on an HRA and
bull The amount in an HRA is not transferable if the enrollee leaves the health plan
If you are enrolled in a High Deductible Health Plan with an HRA you may participate in a Health Care Flexible Spending Account (HCFSA)
The plan will credit the HRA different amounts depending on whether you have a Self Only or a Self and Family enrollment You can use funds in your account to help pay your health plan deductible
Features of an HRA include
bull Taxshyfree withdrawals for qualified medical expenses bull Carryover of unused credits from year to year bull Credits in an HRA do not earn interest bull Credits in the HRA are forfeited if you leave federal employment or switch health insurance plans
Please note that the premium rates provided are the maximum amount you are expected to pay for your premium Your tribal employer may choose to pay a higher portion of your premium Please check with your tribal employer for exact rates
61
Appendix E FEHB Plan Comparison Charts
High Deductible and ConsumershyDriven Health Plans With a Health Savings Account or Health Reimbursement Arrangement
ELIGIBILITY
FUNDING
Health Savings Account (HSA)
You must enroll in a High Deductible Health Plan (HDHP) No other general medical insurance coverage is permitted You cannot be enrolled in Medicare Part A or Part B You cannot be claimed as a dependent on someone elsersquos tax returns
The plan deposits a monthly ldquopremium pass throughrdquo into your account
Health Reimbursement Arrangement (HRA)
You must enroll in a High Deductible Health Plan (HDHP)
The plan deposits the credit amount directly into your account
CONTRIBUTIONS
DISTRIBUTIONS
The maximum allowed is a combination of the health plan ldquopremium pass throughrdquo and the member contribution up to the maximum contribution amount set by the IRS each year
May be used to pay the outshyofshypocket medical expenses for yourself your spouse or your dependents (even if they are not covered by the HDHP) or to pay the planrsquos deductible
See IRS Publication 502 for a complete list of eligible expenses
Only that portion of the premium specified by the health plan will be contributed You cannot add your own money to an HRA
May be used to pay the outshyofshypocket expenses for qualified medical expenses for individuals covered under the HDHP or to pay the planrsquos deductible
See IRS Publication 502 for a complete list of eligible expenses
ANNUAL ROLLOVER
PORTABLE Yes you can take this account with you when you change plans separate from service or retire
Yes funds accumulate without a maximum cap
If you retire and remain in your HDHP you may continue to use and accumulate credits in your HRA
If you terminate employment or change health plans only eligible expenses incurred while covered under that HDHP will be eligible for reimbursement subject to timely filing requirements Unused credits are forfeited
Yes credits accumulate without a maximum cap
IMPORTANT REMINDER This is only a summary of the features of the HDHPHSA or HRA Refer to the specific Plan brochure for the complete details covering Plan design operation and administration as each Plan will have differences
62
Appendix E FEHB Plan Comparison Charts
High Deductible and ConsumershyDriven Health Plans With a Health Savings Account or Health Reimbursement Arrangement
The tables on the following pages highlight selected features that may help you narrow your choice of health plans The tables do not show all of your possible outshyofshypocket costs All benefits are subject to the definitions limitations and exclusions set forth in each planrsquos Federal brochure which is the official statement of benefits available under the planrsquos contract with the Office of Personnel Management Always consult plan brochures before making your final decision
A ConsumershyDriven plan provides you with freedom in spending health care dollars the way you want The typical plan has features such as member responsibility for certain upshyfront medical costs an employershyfunded account that you may use to pay these upshyfront costs and catastrophic coverage with a high deductible You and your family receive full coverage for InshyNetwork preventive care
63
Appendix E FEHB Plan Comparison Charts
High Deductible and ConsumershyDriven Health Plans With a Health Savings Account or Health Reimbursement Arrangement
The tables on the following pages highlight what you are expected to pay for selected features under each plan The charts are not a complete statement of your outshyofshypocket obligations in every individual circumstance Unlike many regular medical plans the covered outshyofshypocket expenses under a High Deductible Health Plan including office visit copayments and prescription drug copayments count toward the calendar year deductible and the catastrophic limit You must read the planrsquos brochure for details
Premium Contribution (pass through) to HSAHRA (or personal care account) shows the amount your health plan automatically deposits or credits into your account on a monthly basis for Self OnlySelf and Family enrollments (ConsumershyDriven Health Plans credit accounts annually) The amount credited under ldquoPremium Contributionrdquo is shown as a monthly amount for comparison purposes only
Calendar Year (CY) Deductible SelfFamily is the maximum amount of covered expenses an individual or family must pay outshyofshypocket including deductibles coinsurance and copayments before the plan pays catastrophic benefits
Catastrophic (Cat) Limit SelfFamily is the maximum amount of covered expenses an individual or family must pay outshyofshypocket including deductibles and coinsurance and copays before the Plan pays catastrophic benefits
Office Visit shows what you pay for a visit to a primary care physician after the deductible is met for other than preventive care
Inpatient Hospital shows what you pay after the deductible is met for hospital services when an inpatient The amount could be a daily copayment up to a specified amount (eg $50 a day up to three days) a coinsurance amount such as 20 or a flat deductible amount (eg $200 per admission) This amount does not include charges from physicians or for services that may not be charged by the hospital such as laboratory or radiology
Your Maximum Monthly Premium is the maximum amount you will pay for your premium Your tribal employer may choose to pay a higher portion of your premium Check with your tribal employer for exact rates
Temporary Continuation of Coverage (TCC) allows former tribal employees and formerly eligible family members to continue their FEHB coverage for a limited period Under TCC you pay the total monthly premium (enrolleersquos share plus the tribal employerrsquos share) plus a 2 administrative charge which equals 102 of Your Total Monthly Premium
Plan Name Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
APWU Health Plan shyCDHPshy Nationwide
GEHA High Deductible Health Plan shyHDHPshy Nationwide
MHBP shy Consumer Option shyHDHPshy Nationwide
NALC shyCDHPshy Nationwide
800shy718shy1299
800shy821shy6136
800shy694shy9901
888shy636shy6252
474 475
341 342
481 482
324 325
9742 21915
11021 25172
13642 30912
10454 22700
39747 89414
44967 102703
55661 126120
42653 92617
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
64
Appendix E FEHB Plan Comparison Charts
High Deductible and ConsumershyDriven Health Plans With a Health Savings Account or Health Reimbursement Arrangement
20 or a flat deductible amount (eg $200 per admission) This amount does not include charges from physicians or for services that may not be charged by the hospital such as laboratory or radiology
Outpatient Surgery shows what you pay the doctor for surgery performed on an outpatient basis
Preventive Services are often covered in full usually with no or only a small deductible or copayment Preventive services may also be payable up to an annual maximum dollar amount (eg up to $300 per person per year)
Prescription Drug Payment Levels Plans use terms such as Level (L I L II) or Tier (T1 T2) to show what you pay for generic or brand name prescription drugs The payment levels that plans use follow L I or Tier 1 includes generic drugs but may include some preferred brands L II or Tier 2 includes preferred brands and may include some generics L III or Tier 3 includes nonshypreferred brands other covered drugs and with some exceptions specialty drugs L IV or Tier 4 includes mostly preferred specialty drugs L V or Tier 5 generally includes nonshypreferred specialty drugs
High Deductible Health Plans and Consumer shy Driven Health Plans are much different from the other types of plans shown in this Guide You can use inshynetwork providers to save money If you use outshyofshynetwork providers however you not only pay more of the costs but you are also usually responsible for any difference between the amount billed for a service and what the plan actually allows (For example you receive a bill from an outshyofshynetwork provider for $100 but the plan allows $85 for the service You pay the higher copayment for outshyofshynetwork care plus the $15 difference between $100 ndash the billed amount ndash and the planrsquos allowance of $85) In addition the difference you pay between the billed amount and the planrsquos allowance does not count toward satisfying the catastrophic limit
Plan Name Benefit Premium CY Ded Cat Limit Office Inpatient Outpatient Preventive Prescription Type Contribution SelfFamily SelfFamily Visit Hospital Surgery Services Drugs
SelfFamily Levels I II III
APWU Health Plan InshyNetwork $1200$2400 $600$1200 $3000$4500 15 None 15 Nothing 252525 APWU Health Plan OutshyNetwork $1200$2400 $600$1200 $9000$9000 40+diff None 40+diff Nothing up to $1200 Not CoveredNANA
GEHA HDHP InshyNetwork $6250$125 $1500$3000 $5000$10000 5 5 5 Nothing 252525 GEHA HDHP OutshyNetWork $6250$125 $1500$3000 $5000$10000 25 25 25 Ded25 25+25+25+
MHBP shy Consumer Option InshyNetwork $70$141 $2000$4000 $5000$10000 $15 $75 dayshy$750 Nothing Nothing $10$25$40 MHBP shy Consumer Option OutshyNetWork $70$141 $2000$4000 $7500$15000 40 40 40 Not Covered Not Covered
NALC InshyNetwork $1200$2400 $2000$4000 $4000$8000 20 20 20 Nothing $10$40$60 NALC OutshyNetwork $1200$2400 $4000$8000 $8000$16000 50 50 50 50 505050+
65
High Deductible Health Plans and ConsumershyDriven Health Plan Member Survey Results
Member Survey results are collected scored and reported by an independent organization ndash not by the health plans See Appendix D for a fuller explanation of each survey category
Overall Plan Satisfaction bull How would you rate your overall experience with your health plan
Getting Needed Care bull How often was it easy to get an appointment the care tests or treatment you thought you needed through your health plan
Getting Care Quickly bull When you needed care right away how often did you get care as soon as you thought you needed bull Not counting the times you needed care right away how often did you get an appointment at a doctorrsquos office or clinic
as soon as you thought you needed
How Well Doctors bull How often did your personal doctor explain things in a way that was easy to understand Communicate bull How often did your personal doctor listen carefully to you show respect for what you had to say and spend enough time with you
Customer Service bull How often did written materials or the Internet provide the information you needed about how your health plan works bull How often did your health planrsquos customer service give you the information or help you needed bull How often were the forms from your health plan easy to fill out
Claims Processing bull How often did your health plan handle your claims quickly and correctly
Plan Information on Costs bull How often were you able to find out from your health plan how much you would have to pay for a health care service or equipment or for specific prescription drug medicines
Aetna HealthFund shy Nationwide 22
GEHA High Deductible Health Plan shy Nationwide 34
Mail Handlers Benefit Plan Consumer Option shy Nationwide 48
Aetna HealthFund shy Nationwide 22
APWU Health Plan shy Nationwide 47
Humana CoverageFirst shy TX TP TU TV
Humana Coverage First shy IN MW
High Deductible Health Plans Plan Name
Plan Code
ConsumershyDriven Health Plans Plan Name
Plan Code
HDHP National Average
CDHP National Average
614
606
623
614
579
606
664
566
478
Overall plan satisfaction
Overall plan satisfaction
885 866 929 860
891 888 952 830
873 851 923 863
891 859 912 887
881 865 939 850
891 888 952 830
909 907 925 871
849 864 932 843
875 801 948 856
Getting needed care
Getting care quickly
How well doctors
communicate Customer service
Member Survey Results
Getting needed care
Getting care quickly
How well doctors
communicate Customer service
876
879
865
885
847
879
845
853
812
Claims processing
Claims processing
585
563
602
590
585
563
680
542
555
Plan Information on Costs
Plan Information on Costs
66
The tables on the following pages highlight selected features that may help you narrow your choice of health plans The tables do not show all of your possible outshyofshypocket costs All benefits are subject to the definitions limitations and exclusions set forth in each planrsquos Federal brochure which is the official statement of benefits available under the planrsquos contract with the Office of Personnel Management Always consult plan brochures before making your final decision
67
High Deductible and ConsumershyDriven Health Plans See pages 64shy65 for an explanation of the columns on these pages
Plan Name
Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Aetna HealthFund shyHDHPshy All 50 States and DC 877shy459shy6604 224 225 11856 25965 48372 105938
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Alabama
Aetna HealthFund shyCDHPshy Most of Alabama
Alaska
Aetna HealthFund shyCDHPshy Most of Alaska
Arizona
Aetna HealthFund shyCDHPshy All of Arizona
Arkansas
Aetna HealthFund shyCDHPshy Most of Arkansas
California
Aetna HealthFund shyCDHPshy Most of California
Colorado
Aetna HealthFund shyCDHPshy All of Colorado
Plan Name
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
Telephone Number
Enrollment Code
F51
JS1
G51
F51
JS1
G51
Self only
F52
JS2
G52
F52
JS2
G52
Self amp family
16322
22787
21977
16322
22787
21977
Self only
39021
53701
51861
39021
53701
51861
Self amp family
60115
66709
65883
60115
66709
65883
Self only
136516
151489
149613
136516
151489
149613
Self amp family
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
68
Plan Name
Benefit Type
Premium Contribution to HSAHRA
CY Ded SelfFamily
Cat Limit SelfFamily
Office Visit
Inpatient Hospital
Outpatient Surgery
Preventive Services
Prescription Drugs
Levels I II III
Aetna HealthFund HDHP InshyNetwork $6250$125 $1500$3000 $4000$8000 10 10 10 Nothing $10$35$60 Aetna HealthFund HDHP OutshyNetWork $6250$125 $2500$5000 $5000$10000 30 30 30 Ded30 30+30+30+
Premium Benefit CY Ded Cat Limit Office Inpatient Outpatient Preventive Prescription Contribution Type SelfFamily SelfFamily Visit Hospital Surgery Services Drugs to HSAHRA Levels I II III Plan Name
Alabama
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Alaska
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed4040+40+40+
Arizona
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Arkansas
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
California
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Colorado
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
69
High Deductible and ConsumershyDriven Health Plans See pages 64shy65 for an explanation of the columns on these pages
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Connecticut
Aetna HealthFund shyCDHPshy All of Connecticut
Delaware
Aetna HealthFund shyCDHPshy All of Delaware
District of Columbia
Aetna HealthFund shyCDHPshy All of Washington DC
CareFirst BlueChoice shyHDHPshy Washington DC Metro Area
Florida
Aetna HealthFund shyCDHPshy Most of Florida
Coventry Health Plan of Florida shyHDHPshy Southern Florida
Humana CoverageFirst shyCDHPshy Tampa Area
Humana CoverageFirst shyCDHPshy South Florida Area
Georgia
Aetna HealthFund shyCDHPshy All of Georgia
Humana CoverageFirst shyCDHPshy Atlanta Area
Humana CoverageFirst shyCDHPshy Macon Area
Guam
TakeCare shyHDHPshy GuamN Mariana IslandsBelau (Palau)
Plan Name
877shy459shy6604
877shy459shy6604
877shy459shy6604
888shy789shy9065
877shy459shy6604
800shy441shy5501
888shy393shy6765
888shy393shy6765
877shy459shy6604
888shy393shy6765
888shy393shy6765
671shy647shy3526
Telephone Number
Enrollment Code
EP1
EP1
F51
B61
F51
J41
MJ1
QP1
F51
AD1
LM1
KX1
Self only
EP2
EP2
F52
B62
F52
J42
MJ2
QP2
F52
AD2
LM2
KX2
Self amp family
20174
20174
16322
14018
16322
13979
12818
10987
16322
11598
12208
6822
Self only
47770
47770
39021
31268
39021
43929
28521
24447
39021
25804
27163
17900
Self amp family
64044
64044
60115
57192
60115
57033
52297
44828
60115
47321
49809
27833
Self only
145440
145440
136516
127574
136516
141522
116366
99744
136516
105282
110827
73032
Self amp family
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
70
Premium Benefit CY Ded Cat Limit Office Inpatient Outpatient Preventive Prescription Contribution Type SelfFamily SelfFamily Visit Hospital Surgery Services Drugs to HSAHRA Levels I II III Plan Name
Connecticut
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Delaware
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
District of Columbia
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
CareFirst BlueChoice InshyNetwork $3750$7500 $1500$3000 $4000$8000 Nothing $300 Nothing Nothing Nothing$30$60 CareFirst BlueChoice OutshyNetWork $3750$7500 $3000$6000 $6000$12000 $70 $500 $70 Nothing Nothing$30$60
Florida
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Coventry Health Plan of Florida $8334$16667 $2500$5000 $5000$10000 $10 Ded+20 Ded+20 Nothing $5$35$5020
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst outshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst outshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Georgia
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst outshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst outshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Guam
TakeCare InshyNetwork $8666$22208 $3000$6000 $5000$10000 20 after Ded 20 after Ded 20 after Ded Nothing $20$40$150 30 after Ded30 after Ded TakeCare OutshyNetWork $8666$22208 $3000$6000 $10000$20000 30 after Ded 30 after Ded 30 after Ded 1st $300ded 30 after Ded
71
High Deductible and ConsumershyDriven Health Plans See pages 64shy65 for an explanation of the columns on these pages
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Hawaii Aetna HealthFund shyCDHPshy All of Hawaii
Idaho
Aetna HealthFund shyCDHPshy Most of Idaho
Altius Health Plans shyHDHPshy Southern Region
Illinois
Aetna HealthFund shyCDHPshy Most of Illinois
Humana CoverageFirst shyCDHPshy Central Illinois
Humana CoverageFirst shyCDHPshy Chicago Area
Indiana
Aetna HealthFund shyCDHPshy All of Indiana
Humana CoverageFirst shyCDHPshy LakePorterLaPorte Counties
Iowa
Aetna HealthFund shyCDHPshy All of Iowa
Coventry Health Care of Iowa shyHDHPshy CentralEasternWestern Iowa
Kansas
Aetna HealthFund shyCDHPshy Most of Kansas
Coventry Health Care of Iowa shyHDHPshy CentralEasternWestern Iowa
Humana CoverageFirst shyCDHPshy Kansas City Area
Plan Name
877shy459shy6604
877shy459shy6604
800shy377shy4161
877shy459shy6604
888shy393shy6765
888shy393shy6765
877shy459shy6604
888shy393shy6765
877shy459shy6604
800shy257shy4692
877shy459shy6604
800shy969shy3343
888shy393shy6765
Telephone Number
Enrollment Code
JS1
H41
9K4
H41
GB1
MW1
JS1
MW1
H41
SV4
G51
9H1
PH1
Self only
JS2
H42
9K5
H42
GB2
MW2
JS2
MW2
H42
SV5
G52
9H2
PH2
Self amp family
22787
16237
8704
16237
12208
12208
22787
12208
16237
8970
21977
12747
10987
Self only
53701
38826
18033
38826
27163
27162
53701
27162
38826
21408
51861
29956
24447
Self amp family
66709
60028
35514
60028
49809
49809
66709
49809
60028
36598
65883
52008
44828
Self only
151489
13631
73576
136317
110827
110823
151489
110823
136317
87344
149613
122219
99744
Self amp family
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
72
Premium Benefit CY Ded Cat Limit Office Inpatient Outpatient Preventive Prescription Contribution Type SelfFamily SelfFamily Visit Hospital Surgery Services Drugs to HSAHRA Levels I II III Plan Name
Hawaii Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Idaho
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Altius Health Plans $4583$9166 $1250$2500 $5000$10000 $20 10 10 Nothing $7$25$50
Illinois
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirs outshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst outshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Indiana
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst outshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Iowa
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Coventry Health Care of Iowa $8333$16666 $2100$4200 $5000$10000 $25 15 45 Nothing $3 $10$45$70
Kansas
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Coventry Health Care of Kansas (Kansas City)shyHDHP $6666$13333 $2500$5000 $4000$8000 20 20 20 Nothing 202020
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst outshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
73
High Deductible and ConsumershyDriven Health Plans See pages 64shy65 for an explanation of the columns on these pages
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Kentucky
Aetna HealthFund shyCDHPshy Most of Kentucky
Humana CoverageFirst shyCDHPshy Lexington Area
Louisiana
Aetna HealthFund shyCDHPshy Most of Louisiana
Maine
Aetna HealthFund shyCDHPshy All of Maine
Maryland
Aetna HealthFund shyCDHPshy All of Maryland
CareFirst BlueChoice shyHDHPshy All of Maryland
Coventry Health Care HDHP shy All of Maryland
Massachusetts
Aetna HealthFund shyCDHPshy Most of Massachusetts
Michigan
Aetna HealthFund shyCDHPshy All of Michigan
Minnesota
Aetna HealthFund shyCDHPshy Most of Minnesota
Mississippi Aetna HealthFund shyCDHPshy Most of Mississippi
Plan Name
877shy459shy6604
888shy393shy6765
877shy459shy6604
877shy459shy6604
877shy459shy6604
888shy789shy9065
800shy833shy7423
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
Telephone Number
Enrollment Code
H41
6N1
F51
EP1
F51
B61
GZ1
EP1
G51
H41
H41
Self only
H42
6N2
F52
EP2
F52
B62
GZ2
EP2
G52
H42
H42
Self amp family
16237
10987
16322
20174
16322
14018
11980
20174
21977
16237
16237
Self only
38826
24447
39021
47770
39021
31268
26835
47770
51861
38826
38826
Self amp family
60028
44828
60115
64044
60115
57192
48880
64044
65883
60028
60028
Self only
136317
99744
136516
145440
136516
127574
109488
145440
149613
136317
136317
Self amp family
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
74
Premium Benefit CY Ded Cat Limit Office Inpatient Outpatient Preventive Prescription Contribution Type SelfFamily SelfFamily Visit Hospital Surgery Services Drugs to HSAHRA Levels I II III Plan Name
Kentucky
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst outshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Louisiana
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Maine
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Maryland
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
CareFirst BlueChoice InshyNetwork $3750$7500 $1500$3000 $4000$8000 Nothing $300 Nothing Nothing Nothing$30$60 CareFirst BlueChoice
Coventry Health Care HDHP
OutshyNetWork
InshyNetwork
$3750$7500
$4167$8334
$3000$6000
$2000$4000
$6000$12000
$4000$8000
$70
Nothing
$500
Nothing
$70
Nothing
Nothing
Nothing
Nothing$30$60
$3$15$30$60 Coventry Health Care HDHP OutshyNetWork $4167$8334 $2000$4000 $4000$8000 30 30 30 30 NA
Massachusetts
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Michigan
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Minnesota
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Mississippi Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
75
High Deductible and ConsumershyDriven Health Plans See pages 64shy65 for an explanation of the columns on these pages
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Missouri Aetna HealthFund shyCDHPshy Most of Missouri
Humana CoverageFirst shyCDHPshy Kansas City Area
Montana
Aetna HealthFund CDHP shy SouthSoutheastWestern MT Areas
Nebraska
Aetna HealthFund shyCDHPshy All of Nebraska
Nevada
Aetna HealthFund shyCDHPshy Las Vegas Area
New Hampshire
Aetna HealthFund shyCDHPshy All of New Hampshire
New Jersey
Aetna HealthFund shyCDHPshy All of New Jersey
New Mexico
Aetna HealthFund shyCDHPshy AlbuquerqueDona AnaHobbs Area
New York
Aetna HealthFund shyCDHPshy Most of New York
Independent Health Assoc shyHDHPshy Western New York
Plan Name
Coventry Health Care of Kansas (Kansas City)shyHDHP Kansas City Metro Area (KS and MO)
877shy459shy6604
800shy969shy3343
888shy393shy6765
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
800shy501shy3439
Telephone Number
Enrollment Code
G51
9H1
PH1
H41
H41
G51
EP1
EP1
G51
EP1
QA4
Self only
G52
9H2
PH2
H42
H42
G52
EP2
EP2
G52
EP2
QA5
Self amp family
21977
12747
10987
16237
16237
21977
20174
20174
21977
20174
9575
Self only
51861
29956
24447
38826
38826
51861
47770
47770
51861
47770
24919
Self amp family
65883
52008
44828
60028
60028
65883
64044
64044
65883
64044
39066
Self only
149613
122219
99744
136317
136317
149613
145440
145440
149613
145440
101669
Self amp family
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
76
Premium Benefit CY Ded Cat Limit Office Inpatient Outpatient Preventive Prescription Contribution Type SelfFamily SelfFamily Visit Hospital Surgery Services Drugs to HSAHRA Levels I II III Plan Name
Missouri Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Coventry Health Care of Kansas (Kansas City)shyHDHP $8333$16666 $2500$5000 $3500$7000 20 20 20 Nothing 202020
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst OutshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Montana
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Nebraska
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Nevada
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
New Hampshire
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
New Jersey
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
New Mexico
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
New York
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Independent Health Assoc InshyNetwork $6642$16667 $2000$4000 $5000$10000 $15 Nothing 20 Nothing $7$25$40 Independent Health Assoc OutshyNetWork $6642$16667 $2000$4000 $5000$10000 40 40 40 Nothing NA
77
High Deductible and ConsumershyDriven Health Plans See pages 64shy65 for an explanation of the columns on these pages
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
North Carolina
Aetna HealthFund shyCDHPshy All of North Carolina
North Dakota
Aetna HealthFund shyCDHPshy Most of North Dakota
Ohio Aetna HealthFund shyCDHPshy All of Ohio
AultCare HMO shyHDHPshy StarkCarrollHolmesTuscarawasWayne Co
Oklahoma Aetna HealthFund shyCDHPshy All of Oklahoma
Oregon Aetna HealthFund shyCDHPshy Most of Oregon
Pennsylvania
Aetna HealthFund shyCDHPshy All of Pennsylvania
HealthAmerica Pennsylvania shy HDHP shy Greater Pittsburgh Area
UPMC Health Plan shyHDHPshy Western Pennsylvania
Rhode Island
Aetna HealthFund shyCDHPshy All of Rhode Island
South Carolina
Aetna HealthFund shyCDHPshy All of South Carolina
Plan Name
877shy459shy6604
877shy459shy6604
877shy459shy6604
330shy363shy6360
877shy459shy6604
877shy459shy6604
877shy459shy6604
866shy351shy5946
888shy876shy2756
877shy459shy6604
877shy459shy6604
Telephone Number
Enrollment Code
F51
H41
JS1
3A4
JS1
H41
H41
Y61
8W4
EP1
JS1
Self only
F52
H42
JS2
3A5
JS2
H42
H42
Y62
8W5
EP2
JS2
Self amp family
16322
16237
22787
8669
22787
16237
16237
12298
12448
20174
22787
Self only
39021
38826
53701
17501
53701
38826
38826
28345
28053
47770
53701
Self amp family
60115
60028
66709
35369
66709
60028
60028
50178
50788
64044
66709
Self only
136516
136317
151489
71405
151489
136317
136317
115650
114458
145440
151489
Self amp family
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
78
North Carolina
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
North Dakota
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Ohio Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
AultCare HMO InshyNetwork $8333$16666 $2000$4000 $4000$8000 20 20 20 Nothing 202020 AultCare HMO OutshyNetWork $8333$16666 $4000$8000 $8000$16000 40 UCR 40 UCR 40 UCR 50 UCR
Oklahoma Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Oregon Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Pennsylvania
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
HealthAmerica Pennsylvania shy HDHP $6250$125 $1500$3000 $4000$8000 $15 Nothing Nothing Nothing $5$35$50
UPMC Health Plan InshyNetwork $8333$$16667 $2000$4000 $3000$6000 10after deduct Nothing UPMC Health Plan OutshyNetWork $8333$16667 $2000$4000 $6000$12000 30after deduct 30 NA
Rhode Island
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
South Carolina
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Plan Name
Premium Contribution to HSAHRA
CY Ded SelfFamily
Cat Limit SelfFamily
Office Visit
Inpatient Hospital
Outpatient Surgery
Preventive Services
Prescription Drugs
Levels I II III
Benefit Type
20 Plan Allow20 Plan Allow 20 Plan Allow
$5 after deduct$35 after deduct
10After Deduct
10 after deduct
30After Deduct
30 after deduct
79
High Deductible and ConsumershyDriven Health Plans See pages 64shy65 for an explanation of the columns on these pages
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
South Dakota
Aetna HealthFund shyCDHPshy Rapid CitySioux Falls Area
Tennessee
Aetna HealthFund shyCDHPshy Most of Tennessee
Texas Aetna HealthFund shyCDHPshy All of Texas
Humana CoverageFirst shyCDHPshy Corpus Christi Area
Humana CoverageFirst shyCDHPshy San Antonio Area
Humana CoverageFirst shyCDHPshy Austin Area
Utah Aetna HealthFund shyCDHPshy Most of Utah
Altius Health Plans shyHDHPshy Wasatch Front
Vermont
Aetna HealthFund shyCDHPshy All of Vermont
Virginia Aetna HealthFund shyCDHPshy Most of Virginia
CareFirst BlueChoice shyHDHPshy Northern Virginia
Plan Name
877shy459shy6604
877shy459shy6604
877shy459shy6604
888shy393shy6765
888shy393shy6765
888shy393shy6765
877shy459shy6604
800shy377shy4161
877shy459shy6604
877shy459shy6604
888shy789shy9065
Telephone Number
Enrollment Code
G51
F51
JS1
TP1
TU1
TV1
G51
9K4
EP1
F51
B61
Self only
G52
F52
JS2
TP2
TU2
TV2
G52
9K5
EP2
F52
B62
Self amp family
21977
16322
22787
12208
12208
13429
21977
8704
20174
16322
14018
Self only
51861
39021
53701
27163
27162
29879
51861
18033
47770
39021
31268
Self amp family
65883
60115
66709
49809
49809
54790
65883
35514
64044
60115
57192
Self only
149613
136516
151489
110827
110823
121906
149613
73576
145440
136516
127574
Self amp family
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
80
Premium Benefit CY Ded Cat Limit Office Inpatient Outpatient Preventive Prescription Contribution Type SelfFamily SelfFamily Visit Hospital Surgery Services Drugs to HSAHRA Levels I II III Plan Name
South Dakota
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Tennessee
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Texas Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst OutshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst OutshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst OutshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Utah Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Altius Health Plans $5208$10415 $1250$2500 $5000$10000 $20 10 10 Nothing $7$25$50
Vermont
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60
Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Virginia Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
CareFirst BlueChoice InshyNetwork $3750$7500 $1500$3000 $4000$8000 Nothing $300 Nothing Nothing Nothing$30$60 CareFirst BlueChoice OutshyNetWork $3750$7500 $3000$6000 $6000$12000 $70 $500 $70 Nothing Nothing$30$60
81
High Deductible and ConsumershyDriven Health Plans See pages 64shy65 for an explanation of the columns on these pages
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Washington Aetna HealthFund shyCDHPshy Most of Washington
KPS Health Plans shyHDHPshy All of Washington
West Virginia Aetna HealthFund shyCDHPshy Most of West Virginia
Wisconsin Aetna HealthFund shyCDHPshy All of Wisconsin
Wyoming
Aetna HealthFund shyCDHPshy All of Wyoming
Altius Health Plans shyHDHPshy Uinta County
Plan Name
877shy459shy6604
800shy552shy7114
877shy459shy6604
877shy459shy6604
877shy459shy6604
800shy377shy4161
Telephone Number
Enrollment Code
G51
L14
F51
JS1
H41
9K4
Self only
G52
L15
F52
JS2
H42
9K5
Self amp family
21977
10262
16322
22787
16237
8704
Self only
51861
22425
39021
53701
38826
18033
Self amp family
65883
41871
60115
66709
60028
35514
Self only
149613
91494
136516
151489
136317
73576
Self amp family
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
82
Washington Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
KPS Health Plans InshyNetwork $6250$125 $1300$2600 $4000$8000 20 None 20 Nothing KPS Health Plans OutshyNetWork $6250$125 $1300$2600 $4000$8000 40 None 40 Not Covered Not Covered
West Virginia Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Wisconsin Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Wyoming
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Altius Health Plans $5208$10415 $1250$2500 $5000$10000 $20 10 10 Nothing $7$25$50
Plan Name
Premium Contribution to HSAHRA
CY Ded SelfFamily
Cat Limit SelfFamily
Office Visit
Inpatient Hospital
Outpatient Surgery
Preventive Services
Prescription Drugs
Levels I II III
Benefit Type
$10$35$50 30day $100 90day
83
______________________________________________________________________________________________________________
Medicaid and the Childrenrsquos Health Insurance Program (CHIP) Offer Free or LowshyCost Health Coverage to Children and Families
If you or your children are eligible for Medicaid or CHIP and you are eligible for health coverage from your employer your State may have a premium assistance program that can help pay for coverage These States use funds from their Medicaid or CHIP programs to help people who are eligible for these programs but also have access to health insurance through their employer If you or your children are not eligible for Medicaid or CHIP you will not be eligible for these premium assistance programs
If you or your dependents are already enrolled in Medicaid or CHIP and you live in a State listed below you can contact your State Medicaid or CHIP office to find out if premium assistance is available
If you or your dependents are NOT currently enrolled in Medicaid or CHIP and you think you or any of your dependents might be eligible for either of these programs you can contact your State Medicaid or CHIP office or dial 1shy877shyKIDS NOW or wwwinsurekidsnowgov to find out how to apply If you qualify you can ask the State if it has a program that might help you pay the premiums for an employershysponsored plan
Once it is determined that you or your dependents are eligible for premium assistance under Medicaid or CHIP as well as eligible under your employer plan your employer must permit you to enroll in your employer plan if you are not already enrolled This is called a ldquospecial enrollmentrdquo opportunity and you must request coverage within 60 days of being determined eligible for premium assistance If you have questions about enrolling in your employer plan you can contact the Department of Labor electronically at wwwaskebsadolgov or by calling tollshyfree 1shy866shy444shyEBSA (3272)
If you live in one of the following States you may be eligible for assistance paying your employer health plan premiums The following list of States is current as of January 31 2013 You should contact your State for further information on eligibility ndash
ALABAMA ndash Medicaid KANSAS ndash Medicaid Website httpwwwmedicaidalabamagov Phone 1shy855shy692shy5447
Website httpwwwkdheksgovhcf Phone 1shy800shy792shy4884
ALASKA ndash Medicaid KENTUCKY ndash Medicaid Website httphealthhssstateakusdpaprogramsmedicaid Phone (Outside of Anchorage) 1shy888shy318shy8890 Phone (Anchorage) 907shy269shy6529
Website httpchfskygovdmsdefaulthtm Phone 1shy800shy635shy2570
ARIZONA ndash CHIP LOUISIANA ndash Medicaid Website httpwwwazahcccsgovapplicants Phone (Outside of Maricopa County) 1shy877shy764shy5437 Phone (Maricopa County) 602shy417shy5437
Website httpwwwlahippdhhlouisianagov Phone 1shy888shy695shy2447
COLORADO ndash Medicaid MAINE ndash Medicaid Medicaid Website httpwwwcoloradogov Medicaid Phone (In state) 1shy800shy866shy3513 Medicaid Phone (Out of state) 1shy800shy221shy3943
Website httpwwwmainegovdhhsofipublicshyassistanceindexhtml Phone 1shy800shy977shy6740 TTY 1shy800shy977shy6741
FLORIDA ndash Medicaid MASSACHUSETTS ndash Medicaid and CHIP Website httpswwwflmedicaidtplrecoverycom Phone 1shy877shy357shy3268
Website httpwwwmassgovMassHealth Phone 1shy800shy462shy1120
GEORGIA ndash Medicaid MINNESOTA ndash Medicaid Website httpdchgeorgiagov Click on Programs then Medicaid then Health Insurance Premium Payent (HIPP) Phone 1shy800shy869shy1150
Website httpwwwdhsstatemnus Click on Health Care then Medical Assistance Phone 1shy800shy657shy3629
IDAHO ndash Medicaid and CHIP MISSOURI ndash Medicaid Medicaid Website wwwaccesstohealthinsuranceidahogov Medicaid Phone 1shy800shy926shy2588 CHIP Website wwwmedicaididahogov CHIP Phone 1shy800shy926shy2588
Website httpwwwdssmogovmhdparticipantspageshipphtm Phone 573shy751shy2005
INDIANA ndash Medicaid MONTANA ndash Medicaid Website httpwwwingovfssa Phone 1shy800shy889shy9949
Website httpmedicaidproviderhhsmtgovclientpages clientindexshtml Phone 1shy800shy694shy3084
IOWA ndash Medicaid NEBRASKA ndash Medicaid Website wwwdhsstateiaushipp Phone 1shy888shy346shy9562
Website wwwACCESSNebraskanegov Phone 1shy877shy383shy4278
84
Medicaid and the Childrenrsquos Health Insurance Program (CHIP) Offer Free or LowshyCost Health Coverage to Children and Families
NEVADA ndash Medicaid SOUTH CAROLINA ndash Medicaid Medicaid Website httpdwssnvgov Medicaid Phone 1shy800shy992shy0900
Website httpwwwscdhhsgov Phone 1shy888shy549shy0820
NEW HAMPSHIRE ndash Medicaid SOUTH DAKOTA ndash Medicaid Website httpwwwdhhsnhgovoiidocumentshippapppdf Phone 603shy271shy5218
Website httpdsssdgov Phone 1shy888shy828shy0059
NEW JERSEY ndash Medicaid and CHIP TEXAS ndash Medicaid Medicaid Website httpwwwstatenjushumanservices dmahsclientsmedicaid Medicaid Phone 609shy631shy2392 CHIP Website httpwwwnjfamilycareorgindexhtml CHIP Phone 1shy800shy701shy0710
Website httpswwwgethipptexascom Phone 1shy800shy440shy0493
NEW YORK ndash Medicaid UTAH ndash Medicaid and CHIP Website httpwwwnyhealthgovhealth_caremedicaid Phone 1shy800shy541shy2831
Website httphealthutahgovupp Phone 1shy866shy435shy7414
NORTH CAROLINA ndash Medicaid VERMONTndash Medicaid Website httpwwwncdhhsgovdma Phone 919shy855shy4100
Website httpwwwgreenmountaincareorg Phone 1shy800shy250shy8427
NORTH DAKOTA ndash Medicaid VIRGINIA ndash Medicaid and CHIP Website httpwwwndgovdhsservicesmedicalservmedicaid Phone 1shy800shy755shy2604
Medicaid Website httpwwwdmasvirginiagovrcpshyHIPPhtm Medicaid Phone 1shy800shy432shy5924 CHIP Website httpwwwfamisorg CHIP Phone 1shy866shy873shy2647
OKLAHOMA ndash Medicaid and CHIP WASHINGTON ndash Medicaid Website httpwwwinsureoklahomaorg Phone 1shy888shy365shy3742
Website httphrsadshswagovpremiumpymtApplyshtm Phone 1shy800shy562shy3022 ext 15473
OREGON ndash Medicaid and CHIP WEST VIRGINIA ndash Medicaid Website httpwwworegonhealthykidsgov httpwwwhijossaludablesoregongov Phone 1shy877shy314shy5678
Website wwwdhhrwvgovbms Phone 1shy877shy598shy5820 HMS Third Party Liability
PENNSYLVANIA ndash Medicaid WISCONSIN ndash Medicaid Website httpwwwdpwstatepaushipp Phone 1shy800shy692shy7462
Website httpwwwbadgercareplusorgpubspshy10095htm Phone 1shy800shy362shy3002
RHODE ISLAND ndash Medicaid WYOMING ndash Medicaid Website wwwohhsrigov Phone 401shy462shy5300
Website httphealthwyogovhealthcarefinequalitycare Phone 307shy777shy7531
To see if any more States have added a premium assistance program since January 31 2013 or for more information on special enrollment rights you can contact either
US Department of Labor Employee Benefits Security Administration wwwdolgovebsa 1shy866shy444shyEBSA (3272)
US Department of Health and Human Services Centers for Medicare amp Medicaid Services wwwcmshhsgov 1shy877shy267shy2323 Ext 61565
OMB Control Number 1210shy0137 (expires 09302013)
85
bull
Federal Employees Health Benefits (FEHB) Program
What does this Program offer
The FEHB Program offers a wide variety of plans and coverage to help you meet your health care needs It is group coverage available to eligible tribal employers that have chosen to participate in the FEHB Program for their eligible tribal employees It also covers eligible family members of those tribal employees If you leave tribal employment the FEHB Program offers Temporary Continuation of Coverage (TCC) as well as an opportunity to convert your enrollment to nonshygroup (private) coverage Please refer to the TCC section in this Guide for more details
Appendix E includes a comparison chart of all the plans in the FEHB Program with information comparing basic benefits and costs
Key FEHB Program facts
bull You can choose from FeeshyforshyService plans or Health Maintenance Organization plans with comprehensive coverage and higher premiums or ConsumershyDriven and High Deductible plans that offer catastrophic risk protection with higher deductibles health savingsreimbursement accounts and lower premiums
bull There are no waiting periods and no preshyexisting condition limitations even if you change plans
bull All nationwide FEHB plans offer international coverage
bull There are separate andor different provider networks for each plan Utilizing an inshynetwork provider may reduce your outshyofshypocket costs
bull FEHB coverage continues each year You do not need to reshyenroll each year If you are happy with your current coverage do nothing Please note that your premiums and benefits may change
bull The FEHB Open Season for Tribal Employees begins on the Monday of the second full work week in November and ends on the Monday of the second full week in December This yearrsquos Open Season is from Monday November 11 2013 through Monday December 9 2013
bull If your tribal employer participates in premium conversion FEHB enrollment changes can only be made during the annual Open Season or if you experience a Qualifying Life Event (QLE) Premium conversion allows tribal employees to use preshytax dollars to pay their FEHB premiums Check with your tribal employer to see if they participate in premium conversion
bull If your tribal employer does not participate in premium conversion or you choose not to participate in premium conversion you may change your FEHB enrollment from Self and Family to Self Only or cancel coverage at any time Other FEHB enrollment changes must be made during the annual Open Season or if you experience a QLE
What enrollment types are available
bull Self Only which covers only the enrolled tribal employee or
bull Self and Family which covers the enrolled tribal employee and all eligible family members
Am I eligible to enroll
You may be eligible if you are employed by a tribal employer that participates in the FEHB Program If your tribal employer has not provided you with information about FEHB enrollment you should contact them for information
3
Federal Employees Health Benefits (FEHB) Program
Which family members are eligible
Family members covered under your Self and Family enrollment are
bull Your spouse (including a valid common law marriage) and
bull Children under age 26 including legally adopted children recognized natural children and stepchildren
ndash Foster children are included if they meet certain requirements
ndash A child age 26 or over who is incapable of selfshysupport because of a mental or physical disability that
existed before age 26 is also an eligible family member
Contact your tribal employer for additional information In determining whether the child is a covered
family member your tribal employer will look at the childrsquos relationship to you as an FEHB enrollee
How much does it cost
The premiums for your FEHB enrollment are shared by you and your tribal employer Your tribal employer pays at a minimum the lesser of 72 of the average total premium of all plans weighted by the number of enrollees in each or 75 of the premium for the specific plan you choose If you are a tribal employee of a tribal employer that participates in premium conversion and you have chosen to participate you automatically pay your share of premium through a payroll deduction using preshytax dollars
The charts in Appendix E provide cost information for all plans in the FEHB Program
Please note that the provided rates are the maximum amount you will be required to pay for your premium Your tribal employer may choose to pay a higher portion of your premium Check with your tribal employer for exact rates You may have other outshyofshypocket costs in addition to your premium such as copays coinsurance and deductibles
When can I enroll or change my FEHB enrollment
If you are employed by a tribal employer that has recently elected to purchase health insurance through the FEHB Program you now have an opportunity to enroll in coverage Your tribal employer will provide you with the exact dates of your Initial Enrollment Opportunity and your effective date of coverage
If you chose not to enroll during the Initial Enrollment Opportunity you may also enroll 1) during the annual Open Season held from the Monday of the second full work week in November through the Monday of the second full work week in December (this yearrsquos Open Season is from November 11 through December 9 2013) or 2) if you have a qualifying life event (QLE)
If you participate in premium conversion you may enroll change your enrollment type change plans or cancel outside of Open Season only if you experience a QLE such as a change in family or other insurance coverage status Appendix C contains more specific information about QLEs that permit tribal employees to enroll or change enrollment in the FEHB Program However if you do not participate in premium conversion you may change your enrollment type from Self and Family to Self Only or cancel coverage at any time
How do I enroll or change my FEHB enrollment
You must enroll or change your FEHB enrollment by completing the Health Benefits Election Form (SF 2809) This form is available on our website at wwwopmgovformspdf_fillsf2809pdf You can find information and guidance on the SF 2809 at wwwopmgovhealthcareshyinsuranceindianshytribesreferenceshymaterialsenrollmentshyformshy2809shyemployeeshyguidancepdf Contact your tribal employer for details
4
Temporary Continuation of Coverage (TCC)
This section provides basic information about the Temporary Continuation of Coverage (TCC) provisions of the FEHB Program
What does TCC offer
TCC allows former tribal employees and formerly eligible family members to continue their FEHB Program coverage for a limited period TCC offers the same FEHB coverage and benefits that are available to tribal employees
Who is Eligible for TCC
Individuals eligible for TCC include
bull Former tribal employees whose FEHB coverage ended because they separated from tribal employment (including retirement) unless they were separated for gross misconduct
bull Children who lose coverage under a Self and Family FEHB enrollment of a current or former tribal employee because they are no longer considered eligible family members and
bull Former (divorced) spouses who lose coverage under a Self and Family FEHB enrollment of a current or former tribal employee
Which family members are eligible
Family members covered under your Self and Family TCC enrollment include
bull Your spouse (including a valid common law marriage)
bull Children under age 26 including recognized natural children legally adopted children and
stepchildren Foster children are included if they meet certain requirements
bull Your child age 26 or over who is incapable of selfshysupport because of a mental or physical
disability that existed before age 26
Note In determining whether the child is a covered family member your tribal employer will look at the childrsquos relationship to you as an FEHB enrollee
What TCC enrollment types are available
bull Self Only which only covers the TCC enrollee or
bull Self and Family which covers the TCC enrollee and all eligible family members
Note A former (divorced) spousersquos eligible family members are limited to children of both the tribal employee and the former spouse
5
Temporary Continuation of Coverage (TCC)
How much does it cost Under TCC you pay the total monthly premium (enrolleersquos share plus the tribal employerrsquos share) plus a 2 percent administrative charge The charts in Appendix E provide cost information for all plans in the FEHB Program
When can I enroll
Individuals eligible for TCC generally must enroll within 60 days after the qualifying event permitting enrollment or after receiving notice of eligibility from the tribal employer whichever is later The opportunity to elect TCC ends 60 days after the qualifying event if (1) you do not notify your tribal employer within 60 days of your childrsquos loss of coverage or (2) you or your former (divorced) spouse do not notify your tribal employer within 60 days of your divorce
How do I enroll
You must enroll by completing the Health Benefits Election Form (SF 2809) This form is available on our website at wwwopmgovformspdf_fillsf2809pdf You can find information and guidance on the SF 2809 at wwwopmgovhealthcareshyinsuranceindianshytribesreferenceshymaterialsenrollmentshyformshy2809shyemployeeshyguidancepdf
If you are a former tribal employee contact your tribal employer If you are a child contact the tribal employer of your parent who is the FEHB enrollee If you are a former (divorced) spouse contact the tribal employer of your former spouse
When can I change my TCC enrollment Former tribal employees children andor former (divorced) spouses with an existing TCC enrollment may change their enrollment during the annual Open Season or based upon a qualifying life event (QLE) A QLE is a term defined by OPM to describe events that may allow you to change your FEHB enrollment
A complete listing of QLEs can be found in Table 4 of the Tables of Permissible Changes of the SF 2809 at wwwopmgovformspdf_fillsf2809pdf
Be aware this information only applies to individuals with an existing TCC enrollment and that time limits apply for requesting changes
6
Temporary Continuation of Coverage (TCC)
When does my TCC coverage end
If you are a former tribal employee TCC ends on the date that is 18 months after the date of your separation from tribal employment
If you are a child TCC ends on the date that is 36 months from the date you cease being an eligible family member for FEHB purposes
If you are a former (divorced) spouse TCC ends on the date that is 36 months from the date you cease being an eligible family member for FEHB purposes
Note As a TCC enrollee you may voluntarily cancel your TCC enrollment at any time However once your cancellation takes effect you cannot reenroll in the FEHB Program You will not be entitled to a 31shyday extension of coverage for conversion to a nonshygroup (private) policy Family members who lose coverage upon your cancellation may enroll only if they are eligible for FEHB in their own right as tribal employees
If your TCC enrollment terminates because you acquire other FEHB coverage and that coverage ends before your original TCC eligibility period ends you may reenroll for the time remaining until your original TCC ending date
How do I get more information about TCC
Visit FEHB online at wwwopmgovhealthcareshyinsuranceindianshytribeshealthshyinsurance for more information about Temporary Continuation of Coverage
7
FEHB Program Health Information Technology and PriceCost Transparency
Did You Knowhellip Health Information Technology can improve your health
What is Health Information Technology Health Information Technology (HIT) allows doctors and hospitals to manage medical information and to securely exchange information among patients and providers In a variety of ways HIT has a demonstrated benefit in improving health care quality preventing medical errors reducing costs and decreasing paperwork
What are examples of HIT at work
bull You can go online to review your medical pharmacy and laboratory claims information
bull If you complete a Health Risk Assessment (HRA) your health plan can identify you as a candidate for case management or disease management and offer suggestions on healthy lifestyle strategies and how to reduce or eliminate health risks Health plans can provide you with tips and educational material about good health habits information about routine care that is age and gender appropriate
bull Physicians can have the very best clinical guidelines at their fingertips for managing and treating diseases
bull While with a patient a physician can enter a prescription on a computer where potential allergies and adverse reactions are shown immediately
bull Computer alerts are sent to physicians to remind them of a patientrsquos preventive care needs and to track referrals and test results
One feature of HIT is the Personal Health Record (PHR) The electronic version of your medical records allows you to maintain and manage health information for yourself and your family in a private and secure electronic environment Some health plans include your medical claims data in your PHR which gives a more complete picture of your health status and history
You can also find a PHR on OPMrsquos website at wwwopmgovhealthcareshyinsurancespecialshyinitiativesmanagingshymyshyownshyhealth This PHR is a fillable and downloadable form that you complete yourself and save on your home computer We encourage you to take a look at this PHR option and if you determine it will fulfill your recordshykeeping needs take advantage of this opportunity
Pricecost transparency is another element of health information technology For example many health plans allow you to use online tools that will show what the plan will pay on average for a specific procedure or for a specific prescription drug You can also review healthcare quality indicators for physician and hospital services
The health plans listed on our HIT website at wwwopmgovhealthcareshyinsurancehealthcarereferenceshymaterialsurl=HIT have taken steps to help you become a better consumer of health care and have met OPMrsquos HIT quality and pricecost transparency standards
No one is more responsible for your health care than you ndash HIT tools can help
8
Appendix A FEHB Program Features
No waiting periods You can use your benefits as soon as your coverage becomes effective There are no preshyexisting condition limitations
A choice of coverage You can choose Self Only coverage just for you or Self and Family coverage for you your spouse and children under age 26 Under certain circumstances your FEHB enrollment may cover your disabled child 26 years old or older who is incapable of selfshysupport
A choice of plans and options The FEHB Program offers FeeshyforshyService plans plans offering a PointshyofshyService product Health Maintenance Organizations High Deductible Health Plans and ConsumershyDriven Health Plans
Employing office contributions Your tribal employer pays at a minimum 72 percent of the average premium of all plans toward the total cost of your premium Please check with your tribal employer for exact rates
Salary deductions You pay your share of the premium through a payroll deduction If your tribal employer participates in premium conversion you may choose to pay your share of the FEHB premium with preshytax dollars
Enrollment opportunities Each year you can enroll or change your health plan enrollment during the annual Open Season Open Season runs from the Monday of the second full work week in November to the Monday of the second full work week in December This year Open Season will run from November 11 through December 9 2013 Also certain qualifying life events (QLEs) allow for certain types of changes throughout the year see your tribal employer for details
Continued group coverage The FEHB Program offers continued FEHB coverage bull For you or your family when you move transfer or go on leave without pay or enter military service (certain rules about coverage and premium amounts apply see your tribal employer)
Coverage after FEHB ends The FEHB Program offers temporary continuation of coverage (TCC) and conversion to nonshygroup (private) coverage bull For you and your family if you leave your job or retire bull For your covered child if he or she turns age 26 or bull For your former spouse when you divorce
Coverage for family members if you die Your surviving family members may be eligible to continue coverage as described below bull If you have a Self and Family FEHB enrollment with only a spouse your spouse is eligible for conversion to nonshygroup (private) coverage bull If you have a Self and Family FEHB enrollment with a child or children the child(ren) are eligible for Temporary Continuation of Coverage (TCC) and may cover your spouse Eligible family members may convert to nonshygroup (private) coverage when TCC expires at the end of 36 months
If you lose coverage under the FEHB Program you should automatically receive a Certificate of Group Health Plan Coverage from the last FEHB plan to cover you If not the plan must give you one on request This certificate may be important to qualify for benefits if you join a nonshyFEHB plan
9
Appendix B Choosing an FEHB Plan
What type of health plan is best for you You have some basic questions to answer about how you pay for and access medical care Here are the different types of plans from which to choose
Types of Plans Choice of doctors hospitals pharmacies and other providers
Specialty care Outshyofshypocket costs Paperwork
FeeshyforshyService wPPO (Preferred Provider Organization)
You must use the planrsquos network to reduce your outshyofshypocket costs For BCBS Basic Option you must use Preferred providers for your care to be eligible for benefits
Referral not required to get benefits
You pay fewer costs if you use a PPO provider than if you donrsquot
Some if you donrsquot use network providers
Health Maintenance You generally must Referral generally Your outshyofshypocket Little if any Organization use the planrsquos network
to reduce your outshyofshypocket costs
required from primary care doctor to get benefits
costs are generally limited to copayments
PointshyofshyService You must use the planrsquos network to reduce your outshyofshypocket costs You may go outside the network but you will pay more
Referral generally required to get maximum benefits
You pay less if you use a network provider than if you donrsquot
Little if you use the network You have to file your own claims if you donrsquot use the network
ConsumershyDriven You may use network Referral not required You will pay an Some if you donrsquot use Health Plans and nonshynetwork
providers You will pay more by not using the network
to get maximum benefits from PPOs
annual deductible and costshysharing You pay less if you use the network
network providers You file a claim to obtain reimbursement from your HRA
High Deductible Health Plans wHealth Savings Account (HSA) or Health Reimbursement Arrangement (HRA)
Some plans are network only others pay something even if you do not use a network provider
Referral not required to get maximum benefits from PPOs
You will pay an annual deductible and costshysharing You pay less if you use the network
Some if you donrsquot use network providers If you have an HSA or HRA account you may have to file a claim to obtain reimbursement
10
Appendix B Choosing an FEHB Plan
What should you consider when choosing a plan Having a variety of plans to choose from is a good thing but it can make the process confusing We have a tool on our website that will help you narrow your plan choice based on the benefits that are important to you go to wwwopmgovhealthcareshyinsuranceindianshytribeshealthshyinsurance You can also find help in selecting a plan using tools provided by PlanSmartChoice at wwwplansmartchoicecomregistrationaspx
Ask yourself these questions
1 How much does the plan cost This includes the premium you pay
2 What benefits does the plan cover Make sure the plan covers the services or supplies that are important to you and know its limitations and exclusions
3 What are my outshyofshypocket costs Does the plan charge a deductible (the amount you must first pay before the plan begins to pay benefits) What is the copayment or coinsurance (the amount you share in the cost of the service or supply)
4 Who are the doctors hospitals and other care providers I can use Your costs are lower when you use providers who are part of the plan these are ldquoinshynetworkrdquo providers
5 How well does my plan provide quality care Quality care varies from plan to plan and here are three sources for reviewing quality
bull Member survey results ndash evaluations by current plan members are posted within the health plan benefit charts in this Guide
bull Effectiveness of care ndash how a plan performs in preventing or treating common conditions is measured by the Healthcare Effectiveness Data and Information Set and is found at wwwopmgovhealthcareshyinsurancehealthcareplanshyinformationqualityshyhealthcareshyscores
bull Accreditation ndash evaluations of health plans by independent accrediting organizations Check the cover of your health planrsquos brochure for its accreditation level or go to httpreportcardncqaorgplanexternalplansearchaspx
1111
Appendix B Choosing an FEHB Plan
Definitions
Brand name drug shy A prescription drug that is protected by a patent supplied by a single company and marketed under the manufacturerrsquos brand name
Coinsurance shy The amount you pay as your share for the medical services you receive such as a doctorrsquos visit Coinsurance is a percentage of the planrsquos allowance for the service (you pay 20 for example)
Copayment shy The amount you pay as your share for the medical services you receive such as a doctorrsquos visit A copayment is a fixed dollar amount (you pay $15 for example)
Deductible shy The dollar amount of covered expenses an individual or family must pay before the plan begins to pay benefits There may be separate deductibles for different types of services For example a plan can have a prescription drug benefit deductible separate from its calendar year deductible
Formulary or Prescription Drug List shy A list of both generic and brand name drugs often made up of different costshysharing levels or tiers that are preferred by your health plan Health plans choose drugs that are medically safe and cost effective A team including pharmacists and physicians determines the drugs to include in the formulary
Generic Drug shy A generic medication is an equivalent of a brand name drug A generic drug provides the same effectiveness and safety as a brand name drug and usually costs less A generic drug may have a different color or shape than the brand name but it must have the same active ingredients strength and dosage form (pill liquid or injection)
InshyNetwork shy You receive treatment from the doctors clinics health centers hospitals medical practices and other providers with whom your plan has an agreement to care for its members
OutshyofshyNetwork shy You receive treatment from doctors hospitals and medical practitioners other than those with whom the plan has an agreement at additional cost Members who receive services outside the network may pay all charges
Premium Conversion shy Premium conversion allows tribal employees who are eligible for FEHB the opportunity to pay their share of FEHB premiums with preshytax dollars In order for tribal employees to participate in premium conversion their tribal employer must have a premium conversion plan Premium conversion plans are governed by the Internal Revenue Code and IRS rules govern when participants may change their enrollment or cancel outside of the annual Open Season
Provider shy A doctor hospital health care practitioner pharmacy or health care facility
Qualifying Life Events shy An event that may allow enrollees in the FEHB Program to change their health benefits enrollment outside of an Open Season These events also apply to tribal employees under premium conversion and include events such as change in family status or change in employment status
Additional definitions are located at the beginning of the sections introducing the different types of health plans
12
Appendix C Qualifying Life Events
Note This information does not apply to individuals who have a Temporary Continuation of Coverage (TCC) FEHB enrollment Please see the TCC section of this Guide if you are a current TCC enrollee
Qualifying Life Events
A qualifying life event (QLE) is a term defined by OPM to describe events that may allow a tribal employee to enroll in the FEHB Program make changes to hisher FEHB enrollment or make changes to hisher premium conversion participation if applicable
Outside of Open Season you can make changes to your FEHB enrollment if you experience certain QLEs The most common QLEs for changing FEHB enrollment type or plan are marriage acquiring a child moving away from the service area of your Health Maintenance Organization (HMO) losing health insurance coverage or changing employment status Your eligibility to make certain changes to your FEHB enrollment will depend upon whether or not you participate in premium conversion
Tribal Employees who Participate in Premium Conversion
Premium conversion allows tribal employees who are eligible for FEHB the opportunity to pay their share of FEHB premiums with preshytax dollars Your tribal employer may choose whether or not to have a premium conversion plan If your tribal employer has a premium conversion plan you may choose to participate or not participate If your tribal employer does not have a premium conversion plan you may not participate
Premium conversion plans are governed by the Internal Revenue Code and IRS rules govern when you may change your FEHB enrollment or premium conversion status outside of the annual Open Season If you experience a QLE you may change your FEHB enrollment (including a change to Self Only or cancellation) provided the action is consistent with the QLE
If you participate in premium conversion please refer to QLE Table 1 of the Standard Form (SF) 2809 at wwwopmgovformspdf_fillsf2809pdf for detailed information If you need assistance in accessing the SF 2809 or have additional questions please contact your tribal employer
Tribal Employees who do not Participate in Premium Conversion
If your tribal employer does not have a premium conversion plan or if they have a plan and you choose not to participate you are not subject to IRS rules for when you can make certain changes to your FEHB enrollment However you are subject to OPM rules for employees who do not participate in premium conversion
An important difference is that a tribal employee who does not participate in premium conversion may cancel hisher FEHB enrollment or change from a Self and Family to a Self Only enrollment at any time
If you do not participate in premium conversion please refer to QLE Table 5 of the SF 2809 at wwwopmgovformspdf_fillsf2809pdf for detailed information If you need assistance in accessing the SF 2809 or have additional questions please contact your tribal employer
13
Appendix D FEHB Member Survey Results
Each year FEHB plans with 500 or more subscribers mail the Consumers Assessment of Healthcare Providers and Systems (CAHPS)1 to a random sample of plan members For Health Maintenance Organizations (HMO)PointshyofshyService (POS) and High Deductible Health Plans (HDHP) and ConsumershyDriven Health Plans (CDHP) the sample includes all commercial plan members including nonshyFederal members For FeeshyforshyService (FFS)Preferred Provider Organization (PPO) plans the sample includes Federal members only The CAHPS survey asks questions to evaluate membersrsquo satisfaction with their health plans Independent vendors certified by the National Committee for Quality Assurance administer the surveys
OPM reports each planrsquos scores on the various survey measures by showing the percentage of satisfied members on a scale of 0 to 100 Also we list the national average for each measure Since we offer HMO plans FFSPPO plans HDHP and CDHP plans we compute a separate national average for each plan type
Survey findings and member ratings are provided for the following key measures of member satisfaction
bull Overall Plan Satisfaction ndash This measure is based on the question ldquoUsing any number from 0 to 10 where 0 is the worst health plan possible and 10 is the best health plan possible what number would you use to rate your health planrdquo We report the percentage of respondents who rated their plan 8 or higher
bull Getting Needed Care ndash How often was it easy to get an appointment the care tests or treatment you thought you needed through your health plan
bull Getting Care Quickly ndash When you needed care right away how often did you get care as soon as you thought you needed Not counting the times you needed care right away how often did you get an appointment at a doctors office or clinic as soon as you wanted
bull How Well Doctors Communicate ndash How often did your personal doctor explain things in a way that was easy to understand How often did your personal doctor listen carefully to you show respect for what you had to say and spend enough time with you
bull Customer Service ndash How often did your health planrsquos customer service department give you the information or help you needed How often did your health planrsquos customer service staff treat you with courtesy and respect How often were the forms from your health plan easy to fill out
bull Claims processing ndash How often did your health plan handle your claims quickly and correctly
bull Plan Information on Costs ndash How often were you able to find out from your health plan how much you would have to pay for a health care service or equipment or for specific prescription drug medicines
In evaluating plan scores you can compare individual plan scores against other plans and against the national averages Generally new plans and those with fewer than 500 FEHB subscribers do not conduct CAHPS Therefore some of the plans listed in the Guide will not have survey data 1 CAHPS is a registered trademark of the Agency for Healthcare Research and Quality (AHRQ)
14
Appendix E FEHB Plan Comparison Charts
Nationwide FeeshyforshyService Plans (Pages 16 through 19)
FeeshyforshyService (FFS) plans with a Preferred Provider Organization (PPO) ndash A FeeshyforshyService plan provides flexibility in using medical providers of your choice You may choose medical providers who have contracted with the health plan to offer discounted charges You may also choose medical providers who do not contract with the plan but you will pay more of the cost
Medical providers who have contracts with the health plan (Preferred Provider Organization or PPO) have agreed to accept the health planrsquos reimbursement You usually pay a copayment or a coinsurance amount and do not file claims or other paperwork Going to a PPO hospital does not guarantee PPO benefits for all services received in the hospital however Lab work radiology and other services from independent practishytioners within the hospital are frequently not covered by the hospitalrsquos PPO agreement If you receive treatshyment from medical providers who are not contracted with the health plan you either pay them directly and submit a claim for reimbursement to the health plan or the health plan pays the provider directly according to plan coverage and you pay a deductible coinsurance or the balance of the billed charge In any case you pay a greater amount in outshyofshypocket costs
PPOshyonly ndash A PPOshyonly plan provides medical services only through medical providers that have contracts with the plan With few exceptions there is no medical coverage if you or your family members receive care from providers not contracted with the plan
FeeshyforshyService plans open only to specific groups ndash Several FeeshyforshyService plans that are sponshysored or underwritten by an employee organization strictly limit enrollment to persons who are members of that organization If you are not certain if you are eligible check with your human resources office first
The Health Maintenance Organization (HMO) and PointshyofshyService (POS) section begins on page 21
The High Deductible Health Plan (HDHP) and ConsumershyDriven Health Plan (CDHP) section begins on page 60
Please note that the premium rates provided are the maximum amount you will be expected to pay for your premium Your tribal employer may choose to pay a higher portion of your premium Please check with your tribal employer for exact rates
The tables on the following pages highlight selected features that may help you narrow your choice of health plans The tables do not show all of your possible outshyofshypocket costs All benefits are subject to the definitions limitations and exclusions set forth in each planrsquos Federal brochure which is the official statement of benefits available under the planrsquos contract with the Office of Personnel Management Always consult plan brochures before making your final decision
15
Nationwide FeeshyforshyService Plans
How to read this chart
The table below highlights selected features that may help you narrow your choice of health plans Always consult plan brochures before making your final decision The chart does not show all of your possible outshyofshypocket costs
The Deductibles shown are the amount of covered expenses that you pay before your health plan begins to pay
Calendar Year deductibles for families are two or more times the per person amount shown
In some plans your combined Prescription Drug purchases from Mail Order and local pharmacies count toward the deductible In other plans only purchases from local pharmacies count Some plans require each family member to meet a per person deductible
The Hospital Inpatient deductible is what you pay each time you are admitted to a hospital
Doctors shows what you pay for inpatient surgical services and for office visits
Your share of Hospital Inpatient Room and Board covered charges is shown
Your Maximum Monthly Premium is the maximum amount you will pay for your premium Your tribal employer may choose to pay a higher portion of your premium Check with your tribal employer for exact rates
Temporary Continuation of Coverage (TCC) allows former tribal employees and formerly eligible family members to continue their FEHB coverage for a limited period Under TCC you pay the total monthly premium (enrolleersquos share plus the tribal employerrsquos share) plus a 2 administrative charge which equals 102 of Total Monthly Premium
Plan Name Open to All Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your
Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
APWU Health Plan (APWU) shyhigh
Blue Cross and Blue Shield Service Benefit Plan (BCBS) shystd
Blue Cross and Blue Shield Service Benefit Plan (BCBS) shybasic
GEHA Benefit Plan (GEHA) shyhigh
GEHA Benefit Plan (GEHA) shystd
MHBP shystd
MHBP shyValue Plan
NALC shyhigh
NALC Value Option
SAMBA shyhigh
SAMBA shystd
800shy222shy2798
Local phone
Local phone
800shy821shy6136
800shy821shy6136
800shy410shy7778
800shy410shy7778
888shy636shy6252
888shy636shy6252
800shy638shy6589
800shy638shy6589
471
104
111
311
314
454
414
321
KM1
441
444
472
105
112
312
315
455
415
322
KM2
442
445
13670
19028
13209
20317
10418
20913
11302
16122
9001
27523
13171
30910
44412
30930
48310
23691
50565
26946
32727
19546
70356
30081
55776
62875
53893
64190
42505
64798
46114
59911
36724
71540
53739
126114
142015
126195
145991
96659
148291
109939
130096
79748
168477
122733
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
16
Prescription Drugs ndash Prescription Drug Payment Levels shy Plans use terms such as Level (L I L II) or Tier (T1 T2) to show what you pay for generic or brand name prescription drugs The payment levels that plans use follow L I or Tier 1 includes generic drugs but may include some preferred brands L II or Tier 2 includes preferred brands and may include some generics L III or Tier 3 includes nonshypreferred brands other covered drugs and with some exceptions specialty drugs L IV or Tier 4 includes mostly preferred specialty drugs L V or Tier 5 generally includes nonshypreferred specialty drugs
Mail Order Discounts ndash If your plan has a Mail Order program (typically for maintenance drugs) and its response is ldquoYesrdquo in general its Mail Order program is superior to its retail pharmacy benefit (eg you obtain a greater quantity for less cost than retail pharmacy purchases) If your plan does not have a Mail Order program or it does not offer a superior benefit to retail pharshymacy purchases the response will be ldquoNordquo
The prescription drug copayments or coinsurances described in this chart do not represent the complete range of costshysharing under these plans Many plans have variations in their prescription drug benefits (eg you pay the greater of a dollar amount or a percentage or you pay one amount for your first prescription and then a different amount for refills) You must read the plan brochure for a complete description of prescription drug and all other benefits
MedicalshySurgical ndash You Pay
Copay ($)Coinsurance ()
Plan
APWU shyhigh
BCBS shystd
BCBS shybasic
GEHA shyhigh
GEHA shystd
MHBP shystd
MHBP shyvalue
NALC shyhigh
NALC shyValue
SAMBA shyhigh
SAMBA shystd
Benefit Type
Per Person
Calendar Year
Prescription Drug
Hospital Inpatient
Do
Office Visits
ctors
Inpatient Surgical Services
Hospital Inpatient
RampB Level I
Prescription Drugs
Level II Level III
PPO $275 None None $18 10 10 $8 2525 Yes NonshyPPO $500 None $300 30+diff 30+diff 30 50 5050 Yes
PPO $350 None $250 $20 15 Nothing 2015 Medicare B T2 30$80 T3 45$105 Yes NonshyPPO $350 None $350 + 35+ 35+ 35+ Nothing 45+ T1shyT5 T4 30$35$95 T5 30$55$155 Yes
PPO None None $175day $875 Max $25 $200 Nothing $1030day $3090day T2 $45 T3 50($55Min) T4 $50to$140 T5 $70to$195
NA
PPO $350 None $100 $20 10 Nothing $10 25 Max $150NA Yes NonshyPPO $350 None $300 25 25 Nothing $10 25 Max $150 +NA Yes
PPO $350 None None $10 15 15 $10 50 Max $200NA Yes NonshyPPO $350 None None 35 35 35 $10 50 Max $200 +NA Yes
PPO $400 None $200 $20 10 Nothing $5 30($200 max)50($200 max) Yes NonshyPPO $600 None $500 30 30 30 50 5050 Yes
PPO $600 None None $30 20 20 $10 4575 Yes NonshyPPO $900 Not Covered None 40 40 40 Not Covered Not Covered Yes
PPO $300 None $200 $20 15 Nothing 20 3045 Yes NonshyPPO $300 None $350 30 30 30 45+ 45+45+ Yes
NonshyPPO $4000 None 50 50 50 50 50 5050+ No PPO $2000 None 20 20 20 20 $10 $40$60 No
PPO $300 None $200 $20 10 Nothing $8 20($55 max)35($100 max) Yes NonshyPPO $300 None $300 30 30 30 $8 20($55 max)35($100 max) Yes
PPO $350 None $150 up to $450 $20 15 Nothing $8 30($70 max)40($110 max) Yes NonshyPPO $350 None $200 up to $600 35 35 35 $8 30($70 max)40($110 max) Yes
Deductible
Mail Order Discounts
17
Nationwide FeeshyforshyService Plans
Member Survey results are collected scored and reported by an independent organization ndash not by the health plans See Appendix D for a fuller explanation of each survey category
Overall Plan Satisfaction bull How would you rate your overall experience with your health plan
Getting Needed Care bull How often was it easy to get an appointment the care tests or treatment you thought you needed through your health plan
Getting Care Quickly bull When you needed care right away how often did you get care as soon as you thought you needed bull Not counting the times you needed care right away how often did you get an appointment at a doctorrsquos office or clinic as soon as you thought you needed
How Well Doctors bull How often did your personal doctor explain things in a way that was easy to understand Communicate bull How often did your personal doctor listen carefully to you show respect for what you had to say and spend enough time with you
Customer Service bull How often did written materials or the Internet provide the information you needed about how your health plan works bull How often did your health planrsquos customer service give you the information or help you needed bull How often were the forms from your health plan easy to fill out
Claims Processing bull How often did your health plan handle your claims quickly and correctly
Plan Information on Costs bull How often were you able to find out from your health plan how much you would have to pay for a health care service or equipment or for specific prescription drug medicines
APWU Health Plan shyhigh
Blue Cross and Blue Shield Service Benefit Plan shystd
Blue Cross and Blue Shield Service Benefit Plan shybasic
GEHA Benefit Plan shyhigh
GEHA Benefit Plan shystd
MHBP shystd
MHBP shyValue Plan
NALC shyhigh
NALC shyValue Option
SAMBA shyhigh
SAMBA shystd
Plan Name Open to All
FFS National A
Member Survey Results
47 47
10 10
11
31 31
31 31
45 45
41 41
32 32
KM KM
44 44
44 44
Plan Code
verage 805
772
835
757
838
725
84
63
856
897
816
Overall plan satisfaction
927
927
946
896
934
907
938
908
936
947
93
Getting needed care
917
935
917
891
922
895
916
857
922
943
905
Getting care quickly
951
951
955
95
961
949
935
929
959
96
956
How well doctors
communicate
911
89
926
921
912
875
906
866
934
946
911
Customer service
934
921
956
936
929
926
954
887
965
953
946
Claims processing
716
682
703
643
699
688
696
636
771
789
757
Plan Information on Costs
18
FeeshyforshyService Plans ndash Blue Cross and Blue Shield Service Benefit Plan ndash Member Survey Results for Select States
Again this year we are providing more detailed information regarding the quality of services provided by our health plans We are including the results of the Member Satisfaction survey at the state level for eight local Blue Cross Blue Shield (BCBS) Plans
Plan Name Location
Member Survey Results
Plan Code
Overall plan satisfaction
Getting needed care
Getting care quickly
How well doctors
communicate Customer service
Claims processing
Plan Inforshymation on Costs
FFS National Average 805 927 917 951 911 934 716
Blue Cross and Blue Shield Service shy Standard Benefit Plan shy Basic
Arizona 10 11
851 747
905 898
919 884
933 923
938 914
969 928
724 680
Blue Cross and Blue Shield Service shy Standard Benefit Plan shy Basic
California 10 11
809 705
915 873
897 840
954 943
881 910
937 912
677 616
Blue Cross and Blue Shield Service shy Standard Benefit Plan shy Basic
District of Columbia 10 11
768 691
935 893
930 874
951 940
882 881
898 922
657 622
Blue Cross and Blue Shield Service shy Standard Benefit Plan shy Basic
Florida 10 11
864 806
942 916
922 894
952 947
934 916
954 937
733 660
Blue Cross and Blue Shield Service shy Standard Benefit Plan shy Basic
Illinois 10 11
861 796
933 912
934 881
955 950
901 936
972 938
712 653
Blue Cross and Blue Shield Service shy Standard Benefit Plan shy Basic
Maryland 10 11
857 770
931 897
917 898
954 940
897 921
956 967
713 666
Blue Cross and Blue Shield Service shy Standard Benefit Plan shy Basic
Texas 10 11
887 825
934 898
931 883
950 955
936 910
957 967
721 617
Blue Cross and Blue Shield Service shy Standard Benefit Plan shy Basic
Virginia 10 11
871 782
924 901
929 894
966 962
914 917
959 960
708 681
19
The tables on the following pages highlight selected features that may help you narrow your choice of health plans The tables do not show all of your possible outshyofshypocket costs All benefits are subject to the definitions limitations and exclusions set forth in each planrsquos Federal brochure which is the official statement of benefits available under the planrsquos contract with the Office of Personnel Management Always consult plan brochures before making your final decision
20
Appendix E FEHB Plan Comparison Charts
Health Maintenance Organization Plans and Plans Offering a PointshyofshyService Product
(Pages 22 through 59)
Health Maintenance Organization (HMO) ndash A Health Maintenance Organization provides care through a network of physicians and hospitals in particular geographic or service areas HMOs coordinate the health care service you receive and free you from completing paperwork or being billed for covered services Your eligibility to enroll in an HMO is determined by where you live or for some plans where you work bull The HMO provides a comprehensive set of services ndash as long as you use the doctors and hospitals affiliated with the HMO
HMOs charge a copayment for primary physician and specialist visits and sometimes a copayment for inshyhospital care bull Most HMOs ask you to choose a doctor or medical group as your primary care physician (PCP) Your PCP provides your
general medical care In many HMOs you must get authorization or a ldquoreferralrdquo from your PCP to see other providers The referral is a recommendation by your physician for you to be evaluated andor treated by a different physician or medical professional The referral ensures that you see the right provider for the care appropriate to your condition
bull Medical care from a provider not in the planrsquos network is not covered unless itrsquos emergency care or your plan has an arrangement with another plan
Plans Offering a PointshyofshyService (POS) Product ndash A PointshyofshyService plan is like having two plans in one ndash an HMO and an FFS plan A POS allows you and your family members to choose between using (1) a network of providers in a designated service area (like an HMO) or (2) OutshyofshyNetwork providers (like an FFS plan) When you use the POS network of providers you usually pay a copayment for services and do not have to file claims or other paperwork If you use nonshyHMO or nonshyPOS providers you pay a deductible coinsurance or the balance of the billed charge In any case your outshyofshypocket costs are higher and you file your own claims for reimbursement
The tables on the following pages highlight what you are expected to pay for selected features under each plan Always consult plan brochures before making your final decision
Primary careSpecialist office visit copay ndash Shows what you pay for each office visit to your primary care doctor and specialist Contact your plan to find out what providers it considers specialists
Hospital per stay deductible ndash Shows the amount you pay when you are admitted into a hospital
Prescription drugs ndash Prescription Drug Payment Levels shy Plans use terms such as Level (L I L II) or Tier (T1 T2) to show what you pay for generic or brand name prescription drugs The payment levels that plans use follow L I or Tier 1 includes generic drugs but may include some preferred brands L II or Tier 2 includes preferred brands and may include some generics L III or Tier 3 includes nonshypreferred brands other covered drugs and with some exceptions specialty drugs L IV or Tier 4 includes mostly preferred specialty drugs L V or Tier 5 generally includes nonshypreferred specialty drugs
Mail Order Discounts ndash If your plan has a Mail Order program (typically for maintenance drugs) and its response is ldquoYesrdquo in general its Mail Order program is superior to its retail pharmacy benefit (eg you obtain a greater quantity for less cost than retail pharmacy purchases) If your plan does not have a Mail Order program or it does not offer a superior benefit to retail pharmacy purchases the response will be ldquoNordquo
Member Survey Results ndash See Appendix D for a description
Temporary Continuation of Coverage (TCC) ndash Allows former tribal employees and formerly eligible family members to continue their FEHB coverage for a limited period Under TCC you pay the total monthly premium (enrolleersquos share plus the tribal employerrsquos share) plus a 2 administrative charge which equals 102 of Your Total Monthly Premium
Your maximum monthly premium is the maximum amount you will be expected to pay for your premium Your tribal employer may choose to pay a higher portion of your premium Please check with your tribal employer for exact rates
21
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Alabama
Aetna Value Planshy Most of Alabama 877shy459shy6604
Alaska
Aetna Value Planshy Most of Alaska 877shy459shy6604
Arizona
Aetna Value Planshy All of Arizona 877shy459shy6604
Aetna Open Access shyHighshy Phoenix and Tucson Areas 877shy459shy6604
Health Net of Arizona Inc shyHighshy MaricopaPimaOther AZ counties 800shy289shy2818
Health Net of Arizona Inc shyStdshy MaricopaPimaOther AZ counties 800shy289shy2818
Humana Health Plan Inc shyHighshy Phoenix 888shy393shy6765
Humana Health Plan Inc shyStdshy Phoenix 888shy393shy6765
Humana Health Plan Inc shyHighshy Tucson 888shy393shy6765
Humana Health Plan Inc shyStdshy Tucson 888shy393shy6765
Arkansas
Aetna Value Planshy Most of Arkansas 877shy459shy6604
QualChoice shyHighshy All of Arkansas 800shy235shy7017
QualChoice shyStdshy All of Arkansas 800shy235shy7017
F54 F55
JS4 JS5
G54 G55
WQ1 WQ2
A71 A72
A74 A75
BF1 BF2
BF4 BF5
C71 C72
C74 C75
F54 F55
DH1 DH2
DH4 DH5
13058 29656
17258 41140
12822 29119
33482 89188
26548 80303
19509 62476
13880 30882
12491 27794
15825 35210
13149 29256
13058 29656
30353 76056
14296 38452
53279 120995
61069 138677
52315 118808
77618 187686
70545 178623
63365 160440
56629 125999
50965 113400
59608 132629
53648 119367
53279 120995
74426 174291
58048 135935
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
22
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay
deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How
well
doctors
communicate
Customer
service
Claims
processing
Plan
Information
on
Costs
Alabama
Aetna Value Plan InshyNetwork $25$40 20 $10
HMOPOS Nationa
30to$60050 to$1200 Yes
l Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Alaska
Aetna Value Plan InshyNetwork
4040
$25$40
40
20
50+
$10
50+50+
30to$60050 to$1200
No
Yes Aetna Value Plan OutshyNetwork
Arizona
Aetna Value Plan InshyNetwork
4040
$25$40
40
20
50+
$10
50+50+
30to$60050 to$1200
No
Yes Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Health Net of Arizona IncshyHigh
Health Net of Arizona IncshyStandard
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
Arkansas
Aetna Value Plan InshyNetwork
4040
$20$35
$20$40
$25$50
$20$35
$25$40
$20$35
$25$40
$25$40
40
$250day x 4
$250dayx5
25
$250day x 3
$500day x 3
$250day x 3
$500day x 3
20
50+
$10
$10
$10
$10
$10
$10
$10
$10
50+50+
$35$100
$3050
$4050
$40$60
$40$60
$40$60
$40$60
30to$60050 to$1200
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
602
676
676
838
888
888
861
843
843
923
939
939
849
884
884
918
921
921
636
686
686
Aetna Value Plan OutshyNetwork
QualChoice InshyNetwork
QualChoice OutshyNetwork
QualChoice InshyNetwork
4040
$20$30
4040
$20$40
40
$100max$500
40
$200max$1000
50+
$0
NA
$5
50+50+
$40$60
NA
$40$60
No
Yes
NA
Yes
23
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
California
Aetna Value Planshy Most of California 877shy459shy6604
Aetna HMO shy Los Angeles and San Diego Areas 877shy459shy6604
Anthem Blue Cross Select HMO shyHighshy Southern California 800shy235shy8631
Blue Shield of CA Access+HMO shyHighshy Southern Region 800shy880shy8086
Health Net of California shyHighshy Northern Region 800shy522shy0088
Health Net of California shyStdshy Northern Region 800shy522shy0088
Health Net of California shyHighshy Southern Region 800shy522shy0088
Health Net of California shyStdshy Southern Region 800shy522shy0088
Kaiser Foundation Health Plan shy Basic Option shy Northern California 800shy464shy4000
Kaiser Foundation Health Plan of California shyHighshy Northern California 800shy464shy4000
Kaiser Foundation Health Plan of California shyStdshy Northern California 800shy464shy4000
Kaiser Foundation Health Plan of California shyHighshy Southern California 800shy464shy4000
Kaiser Foundation Health Plan of California shyStdshy Southern California 800shy464shy4000
UnitedHealthcare of California shyHighshy Central and Southern California 866shy546shy0510
UnitedHealthcare of California shyStdshy Central and Southern California 866shy546shy0510
Colorado
Aetna Value Planshy All of Colorado 877shy459shy6604
Kaiser Foundation Health Plan of Colorado shyHighshy DenverBoulderSouthern Colorado areas 800shy632shy9700
Kaiser Foundation Health Plan of Colorado shyStdshy DenverBoulderSouthern Colorado areas 800shy632shy9700
Connecticut
Aetna Value Planshy All of Connecticut 877shy459shy6604
Delaware
Aetna Value Planshy All of Delaware 877shy459shy6604
Aetna Open Access shyHighshy KentNew CastleSussex areas 877shy459shy6604
Aetna Open Access shyBasicshy KentNew CastleSussex areas 877shy459shy6604
JS4 JS5
2X1 2X2
B31 B32
SI1 SI2
LB1 LB2
LB4 LB5
LP1 LP2
LP4 LP5
KC1 KC2
591 592
594 595
621 622
624 625
CY1 CY2
CY4 CY5
G54 G55
651 652
654 655
EP4 EP5
EP4 EP5
P31 P32
P34 P35
17258 41140
15940 41769
18194 43825
18445 42566
77474 182834
71405 168807
30687 74663
27027 66198
18293 47705
35345 91275
22772 58183
14073 35293
9019 20845
22819 54699
13109 30036
12822 29119
23933 55581
9887 22345
12694 28827
12694 28827
64801 164359
49560 118027
61069 138677
59725 139319
62024 141416
62280 140132
122490 283205
116299 268898
74767 172871
71034 164236
62125 145373
79518 189815
66694 156061
57420 132713
36797 85048
66742 152507
53485 122549
52315 118808
67878 153407
40339 91170
51792 117616
51792 117616
109563 264361
94017 217102
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
24
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay
deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How
well
doctors
communicate
Customer
service
Claims
processing
Plan
Information
on
Costs
California
Aetna Value Plan InshyNetwork $25$40 20 $10
HMO
30to$60050 to$1200
POS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Anthem Blue Cross Select HMOshyHigh
Blue Shield of CA Access+HMOshyHigh
Health Net of CaliforniashyHigh
Health Net of CaliforniashyStandard
Health Net of CaliforniashyHigh
Health Net of CaliforniashyStandard
Kaiser Foundation HP shy Basic Option
Kaiser Foundation HP of CaliforniashyHigh
Kaiser Foundation HP of CaliforniashyStandard
Kaiser Foundation HP of CaliforniashyHigh
Kaiser Foundation HP of CaliforniashyStandard
UnitedHealthcare of CaliforniashyHigh
UnitedHealthcare of CaliforniashyStandard
Colorado
Aetna Value Plan InshyNetwork
4040
$20$35
$25$35
$20$30
$20$30
$30$50
$20$30
$30$50
$25$35
$15$25
$30$40
$15$25
$30$40
$20$35
$25$40
$25$40
40
$250day x 4
$250max4days
$200 x 3 days
$150dayx5
$750
$150dayx5
$750
20
$250
$500
$250
$500
$150day x 4
30
20
50+
$10
$5$40$60
$10
$10
$15
$10
$15
$15
$10
$15
$10
$15
$10
$10
$10
50+50+
$35$100
$5$40$70$60
$3550
$35$60
$35$65
$35$60
$35$65
$35$35
$30$30
$35$35
$30$30
$35$35
$35$60
$25$50
30to$60050 to$1200
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
579
726
67
67
67
67
798
798
833
833
701
701
766
844
816
816
816
816
884
884
828
828
80
80
781
802
81
81
81
81
848
848
807
807
804
804
896
937
93
93
93
93
925
925
932
932
923
923
769
90
831
831
831
831
872
872
878
878
825
825
849
855
841
841
841
841
793
793
771
771
889
889
648
646
638
638
638
638
63
63
687
687
57
57
Aetna Value Plan OutshyNetwork
Kaiser Foundation HP of ColoradoshyHigh
Kaiser Foundation HP of ColoradoshyStandard
Connecticut
Aetna Value Plan InshyNetwork
4040
$20$40
$20$40
$25$40
40
$250x3
10
20
50+
$10
$15
$10
50+50+
$35$60
$40$80
30to$60050 to$1200
No
Yes
Yes
Yes
722
722
884
884
873
873
936
936
876
876
879
879
622
622
Aetna Value Plan OutshyNetwork
Delaware
Aetna Value Plan InshyNetwork
4040
$25$40
40
20
50+
$10
50+50+
30to$60050 to$1200
No
Yes Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Aetna Open AccessshyBasic
4040
$20$35
$15$35
40
$250day x 4
20 Plan Allow
50+
$10
$5
50+50+
$35$100
$35$100
No
Yes
Yes
602
602
862
862
855
855
972
972
865
865
872
872
618
618
25
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
District of Columbia
Aetna Value Plan shy All of Washington DC
Aetna Open Access shyHighshy Washington DC Area
Aetna Open Access shyBasicshy Washington DC Area
CareFirst BlueChoice shyHighshy Washington DC Metro Area
CareFirst BlueChoice shyStdshy Washington DC Metro Area
Kaiser Foundation Health Plan MidshyAtlantic States shyHighshy Washington DC area
Kaiser Foundation Health Plan MidshyAtlantic States shyStdshy Washington DC area
MD IPA shyHighshy Washington DC area
Florida
Aetna Value Plan shy Most of Florida
AvMed Health Plans shyHighshy Broward Dade and Palm Beach
AvMed Health Plans shyStdshy Broward Dade and Palm Beach
Capital Health Plan shyHighshy Tallahassee area
Coventry Health Plan of Florida shyHighshy Southern Florida
Coventry Health Plan of Florida shyStdshy Southern Florida
Humana Value Plan shy Tampa Area
Humana Value Plan shy South Florida Area
Humana Medical Plan Inc shyHighshy Orlando
Humana Medical Plan Inc shyStdshy Orlando
Humana Medical Plan Inc shyHighshy South Florida
Humana Medical Plan Inc shyStdshy South Florida
Humana Medical Plan Inc shyHighshy Daytona
Humana Medical Plan Inc shyStdshy Daytona
Humana Medical Plan Inc shyHighshy Tampa
Humana Medical Plan Inc shyStdshy Tampa
877shy459shy6604
877shy459shy6604
877shy459shy6604
888shy789shy9065
888shy789shy9065
877shy574shy3337
877shy574shy3337
877shy835shy9861
877shy459shy6604
800shy882shy8633
800shy882shy8633
850shy383shy3311
800shy441shy5501
800shy441shy5501
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
F54 F55
JN1 JN2
JN4 JN5
2G1 2G2
2G4 2G5
E31 E32
E34 E35
JP1 JP2
F54 F55
ML1 ML2
ML4 ML5
EA1 EA2
5E1 5E2
5E4 5E5
MJ4 MJ5
QP4 QP5
E21 E22
E24 E25
EE1 EE2
EE4 EE5
EX1 EX2
EX4 EX5
LL1 LL2
LL4 LL5
13058 29656
46867 105610
14021 31351
21177 48693
15284 35429
16926 42124
9646 22186
20245 50123
13058 29656
20336 56279
12604 30253
11679 30949
16664 47450
12501 30003
10247 22697
10247 22697
13149 29256
11834 26331
23153 51514
15825 35210
13880 30882
12491 27794
48720 108398
15825 35208
53279 120995
91271 204437
57208 127913
65067 146381
59056 132852
60731 139681
39358 90520
64116 147840
53279 120995
64209 154119
51424 123431
47650 126273
60464 145113
51005 122414
41809 92606
41809 92606
53648 119367
48282 107430
67082 149259
59608 132629
56629 125999
50965 113400
93161 207280
59608 132627
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
26
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay
deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How
well
doctors
communicate
Customer
service
Claims
processing
Plan
Information
on
Costs
District of Columbia
Aetna Value Plan InshyNetwork $25$40 20 $10
HMOPOS Nationa
30to$60050 to$1200 Yes
l Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Aetna Open AccessshyBasic
CareFirst BlueChoiceshyHigh
CareFirst BlueChoice InshyNetwork
4040
$15$30
$20$35
$25$35
Nothing$35
40
$150day x3
10 Plan Allow
$200
$200
50+
$5
$10
Nothing
Nothing
50+50+
$35$100
$35$100
$35$65
$35$65
No
Yes
Yes
Yes
Yes
69
69
648
648
844
844
86
86
872
872
833
833
942
942
925
925
865
865
846
846
914
914
902
902
567
567
54
54 CareFirst BlueChoice OutshyNetwork
Kaiser Foundation HP MidshyAtlantic StatesshyHigh
Kaiser Foundation HP MidshyAtlantic StatesshyStandard
MD IPAshyHigh
Florida
Aetna Value Plan InshyNetwork
$70$70
$10$20
$20$30
$25$40
$25$40
$500
$100
$250dayx3
$150day x 3
20
Nothing
$7$17 Net
$12$22Net
$7
$10
$35$65
$30$50$45$65
$35$55$50$70
$30$60
30to$60050 to$1200
Yes
Yes
Yes
Yes
Yes
83
83
583
867
867
846
831
831
876
927
927
937
813
813
867
836
836
841
702
702
677
Aetna Value Plan OutshyNetwork
AvMed Health PlansshyHigh
AvMed Health PlansshyStandard
Capital Health PlanshyHigh
Coventry Health Plan of FloridashyHigh
Coventry Health Plan of FloridashyStandard
Humana Value Plan InshyNetwork
4040
$15$40
$25$45
Nothing$15
$15$30
$20$50
$35$55
40
$250dayx3
$300dayx3
$250
Ded + $150x3
Ded + $150x5
20
50+
$5
$10
$15 Tier 1
$3$20
$3$10
$10
50+50+
$30$5030
$40$6030
$40$6020
$50$7020
$40$60
$30 Tier 2 $50 Tier 3
No
No
No
No
No
No
Yes
746
746
855
514
514
877
877
905
808
808
847
847
905
764
764
957
957
953
921
921
919
919
938
827
827
87
87
946
783
783
68
68
755
535
535
Humana Value Plan OutshyNetwork
Humana Value Plan InshyNetwork
5050
$35$55
50
20
$10+
$10
$40+$60+
$40$60
No
Yes Humana Value Plan OutshyNetwork
Humana Medical Plan IncshyHigh
Humana Medical Plan IncshyStandard
Humana Medical Plan IncshyHigh
Humana Medical Plan IncshyStandard
Humana Medical Plan IncshyHigh
Humana Medical Plan IncshyStandard
Humana Medical Plan IncshyHigh
Humana Medical Plan IncshyStandard
5050
$20$35
$25$40
$20$35
$25$40
$20$35
$25$40
$20$35
$25$40
50
$250day x 3
$500day x 3
$250day x 3
$500day x 3
$250day x 3
$500day x 3
$250day x 3
$500day x 3
$10+
$10
$10
$10
$10
$10
$10
$10
$10
$40+$60+
$40$60
$40$60
$40$60
$40$60
$40$60
$40$60
$40$60
$40$60
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
529
529
86
86
824
824
937
937
846
846
843
843
687
687
27
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Georgia
Aetna Value Planshy All of Georgia
Aetna Open Access shyHighshy Atlanta and Athens Areas
Humana Value Plan shy Atlanta Area
Humana Value Plan shy Macon Area
Humana Employers Health of Georgia Inc shyHighshy Columbus
Humana Employers Health of Georgia Inc shyStdshy Columbus
Humana Employers Health of Georgia Inc shyHighshy Atlanta
Humana Employers Health of Georgia Inc shyStdshy Atlanta
Humana Employers Health of Georgia Inc shyHighshy Macon
Humana Employers Health of Georgia Inc shyStdshy Macon
Kaiser Foundation Health Plan of Georgia shyHighshy Atlanta AthensColumbusMaconSavannah
Kaiser Foundation Health Plan of Georgia shyStdshy Atlanta AthensColumbusMaconSavannah
Guam
Calvos Selectcare shyHighshy Guam Northern Mariana Islands Palau
TakeCare shyHighshy GuamNMarianaIslandsBelau(Palau)
TakeCare shyStdshy GuamNMarianaIslandsBelau(Palau)
Hawaii Aetna Value Planshy All of Hawaii
HMSA shyHighshy All of Hawaii
Kaiser Foundation Health Plan of Hawaii shyHighshy HawaiiKauaiLanaiMauiMolokaiOahu
Kaiser Foundation Health Plan of Hawaii shyStdshy HawaiiKauaiLanaiMauiMolokaiOahu
877shy459shy6604
877shy459shy6604
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy865shy5813
888shy865shy5813
671 479shy7982
671shy647shy3526
671shy647shy3526
877shy459shy6604
800shy776shy4672
808shy432shy5955
808shy432shy5955
F54 F55
2U1 2U2
AD4 AD5
LM4 LM5
CB1 CB2
CB4 CB5
DG1 DG2
DG4 DG5
DN1 DN2
DN4 DN5
F81 F82
F84 F85
B41 B42
JK1 JK2
JK4 JK5
JS4 JS5
871 872
631 632
634 635
13058 29656
44133 104232
10247 22697
10247 22697
15825 35210
13880 30882
15825 35210
13149 29256
15825 35210
13880 30882
15015 36863
10047 22957
11949 31399
12447 36018
10209 26960
17258 41140
11377 25325
14515 32578
7553 16846
53279 120995
88482 203031
41809 92606
41809 92606
59608 132629
56629 125999
59608 132629
53648 119367
59608 132629
56629 125999
58782 134315
40991 93667
48751 128109
50786 133453
41654 109996
61069 138677
46419 103326
58272 129944
30818 68731
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
28
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay
deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How
well
doctors
communicate
Customer
service
Claims
processing
Plan
Information
on
Costs
Georgia
Aetna Value Plan InshyNetwork $25$40 20 $10
HMOP
30to$60050 to$1200
OS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Humana CoverageFirst InshyNetwork
4040
$20$35
$35$55
40
$250day x 4
20
50+
$10
$10
50+50+
$35$100
$40$60
No
Yes
Yes
59 90 878 941 86 857 62
Humana CoverageFirst OutshyNetwork
Humana CoverageFirst InshyNetwork
5050
$35$55
50
20
$10+
$10
$40+$60+
$40$60
No
Yes Humana CoverageFirst OutshyNetwork
Humana Employers Health of Georgia shyHigh
Humana Employers Health of Georgia shyStandard
Humana Employers Health of Georgia shyHigh
Humana Employers Health of Georgia shyStandard
Humana Employers Health of Georgia shyHigh
Humana Employers Health of Georgia shyStandard
Kaiser Foundation HP of GeorgiashyHigh
Kaiser Foundation HP of GeorgiashyStandard
Guam
Calvos Selectcare InshyNetwork
5050
$20$35
$25$40
$20$35
$25$40
$20$35
$25$40
$15$30
$20$35
$15$40
50
$250day x 3
$500day x 3
$250day x 3
$500day x 3
$250day x 3
$500day x 3
$250dayx3
$250dayx3
$200
$10+
$10
$10
$10
$10
$10
$10
$10$20 Comm
$15$25 Comm
$10
$40+$60+
$40$60
$40$60
$40$60
$40$60
$40$60
$40$60
$2550 of AWP
$40$50 Comm $40$50 Comm
$40$50 Comm $40$50 Comm
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
514
794
794
883
845
845
837
85
85
941
935
935
859
884
884
849
839
839
556
625
625
Calvos Selectcare OutshyNetwork
TakeCareshyHigh
TakeCareshyStandard
Hawaii Aetna Value Plan InshyNetwork
3030
$5 at FHP$40
$5 at FHP$40
$25$40
30
$100day for 5
$150day for 5
20
NA
$10
$15
$10
NA
$25$50
$40$80
30to$60050 to$1200
NA
Yes
Yes
Yes
687
687
669
669
686
686
904
904
792
792
786
786
571
571
Aetna Value Plan OutshyNetwork
HMSA InshyNetwork
4040
$15$15
40
$100
50+
$7
50+50+
$30$65
No
Yes 842 914 884 955 878 931 628 HMSA OutshyNetwork
Kaiser Foundation HP of HawaiishyHigh
Kaiser Foundation HP of HawaiishyStandard
3030
$20$20
$30$30
30
$100
10
$7 + 20
$10
$15
$45$45
$50$50
$30 + 20 $65 + 20 No
Yes
Yes
754
754
826
826
815
815
94
94
875
875
811
811
613
613
29
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Idaho
Aetna Value Planshy Most of Idaho 877shy459shy6604
Altius Health Plans shyHighshy Southern Region 800shy377shy4161
Altius Health Plans shyStdshy Southern Region 800shy377shy4161
Group Health Cooperative shyHighshy most of Washington StateampNorthern Idaho 888shy901shy4636
Group Health Cooperative shyStdshy most of Washington StateampNorthern Idaho 888shy901shy4636
SelectHealth shyHighshy Utah Idaho 801shy442shy7497
SelectHealth shyStdshy Utah Idaho 801shy442shy7497
Illinois
Aetna Value Planshy Most of Illinois 877shy459shy6604
Blue Cross and Blue Shield of Illinois shyHighshy Illinois 855shy676shy4482
Blue Preferred Plus POS shyHighshy Madison and St Clair counties 888shy811shy2092
Health Alliance HMO shyHighshy CentralECentralNCentSouthWest Ill 800shy851shy3379
Health Alliance HMO shyStdshy CentralECentralNCentSouthWest Ill 800shy851shy3379
Humana Benefit Plan of Illinois Inc shyHighshy Central and Northwestern Illinois 888shy393shy6765
Humana Benefit Plan of Illinois Inc shyStdshy Central and Northwestern Illinois 888shy393shy6765
Humana Value Plan shy Central Illinois 888shy393shy6765
Humana Value Plan shy Chicago Area 888shy393shy6765
Humana Health Plan Inc shyHighshy Chicago 888shy393shy6765
Humana Health Plan Inc shyStdshy Chicago 888shy393shy6765
Union Health Service shyHighshy Chicago area 312shy423shy4200
United Healthcare of the Midwest Inc shyHighshy Southwest Illinois 877shy835shy9861
UnitedHealthcare Plan of the River Valley Inc shyHighshy West Central Illinois 800shy747shy1446
H44 H45
9K1 9K2
DK4 DK5
541 542
544 545
SF1 SF2
SF4 SF5
H44 H45
A21 A22
9G1 9G2
FX1 FX2
K84 K85
9F1 9F2
AB4 AB5
GB4 GB5
MW4 MW5
751 752
754 755
761 762
B91 B92
YH1 YH2
13093 29732
19819 42542
11798 25954
27070 55009
11742 26509
19210 43095
12435 27741
13093 29732
30483 71121
32158 67069
26932 67294
20323 51891
51805 115264
15825 35210
10247 22697
10247 22697
40638 90413
15825 35210
14109 33787
33072 74273
14091 38330
53418 121307
63682 140107
48136 105894
71078 152824
47908 108156
63060 140671
50737 113183
53418 121307
74559 169258
76267 165125
70937 165354
64196 149643
96307 214284
59608 132629
41809 92606
41809 92606
84917 188936
59608 132629
57566 131177
77200 172473
57491 135811
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
30
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay
deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
6
Getting needed
care
Getting care
quickly
How
well
doctors
communicate
Customer
service
Claims
processing
Plan
Information
on
Costs
Idaho
Aetna Value Plan InshyNetwork $25$40 20 $10
HMO
30to$60050 to$1200
POS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Altius Health PlansshyHigh
Altius Health PlansshyStandard
Group Health CooperativeshyHigh
Group Health CooperativeshyStandard
SelectHealthshyHigh
SelectHealthshyStandard
Illinois
Aetna Value Plan InshyNetwork
4040
$20$30
$20$40
$25$25
$25$35
$15$25
$20$30
$25$40
40
$200
None
$350
$500
$100
$100 after
20
50+
$7
$7
$20
$20
$5 $25$50
$5
$10
50+50+
$25$50
$35$60
$40$60
$40$60
$25$50$50
$25$50
30to$60050 to$1200
No
No
None
Yes
Yes
Yes
Yes
Yes
552
552
659
659
629
629
852
852
86
86
876
876
813
813
869
869
851
851
948
948
941
941
958
958
883
883
912
912
912
912
895
895
881
881
903
903
588
588
692
692
64
64
Aetna Value Plan OutshyNetwork
Blue Cross and Blue Shield of IllinoisshyHigh
Blue Preferred Plus POS InshyNetwork
4040
$20$35
$25$35
40
$200day x 5
$500
50+
$10 copay
$5
50+50+
$40$60
$40$6025 $6025
No
Yes
Yes 647 891 861 961 84 864 685 Blue Preferred Plus POS OutshyNetwork
Health Alliance HMOshyHigh
Health Alliance HMOshyStandard
Humana Benefit Plan of Illinois IncshyHigh
Humana Benefit Plan of Illinois IncshyStandard
Humana Value Plan InshyNetwork
30 after ded
$25$50
$25$50
$20$35
$25$40
$35$55
30 after ded
$200day x 5
20
$250day x 3
$500day x 3
20
NA
$7
$7
$10
$10
$10
NA
$35$70
$35$70
$40$60
$40$60
$40$60
NA
Yes
Yes
Yes
Yes
Yes
745 915 88 962 878 868 67
Humana Value Plan OutshyNetwork
Humana CoverageFirst InshyNetwork
5050
$35$55
50
20
$10+
$10
$40+$60+
$40$60
No
Yes Humana CoverageFirst OutshyNetwork
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
Union Health ServiceshyHigh
United Healthcare of the Midwest IncshyHigh
UnitedHealthcare Plan of the River Valley shyHigh
5050
$20$35
$25$40
$15$15
$25$40
$25$50
50
$250day x 3
$500day x 3
None
$450
20
$10+
$10
$10
$10
$7
$10
$40+$60+
$40$60
$40$60
$35$60
$30$60
$35$50
No
Yes
Yes
Yes
Yes
Yes
647
647
665
577
822
822
919
896
788
788
902
86
943
943
957
956
859
859
892
914
834
834
898
918
66
66
732
623
31
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Indiana
Aetna Value Planshy All of Indiana 877shy459shy6604
Health Alliance HMO shyHighshy Western Indiana 800shy851shy3379
Health Alliance HMO shyStdshy Western Indiana 800shy851shy3379
Humana Value Plan shy LakePorterLaPorte Counties 888shy393shy6765
Humana Health Plan of Ohio shyHighshy Portions of Indiana 888shy393shy6765
Humana Health Plan of Ohio shyStdshy Portions of Indiana 888shy393shy6765
Humana Health Plan Inc shyHighshy LakePorterLaPorte Counties 888shy393shy6765
Humana Health Plan Inc shyStdshy LakePorterLaPorte Counties 888shy393shy6765
Humana Health Plan Inc shyHighshy Southern Indiana 888shy393shy6765
Humana Health Plan Inc shyStdshy Southern Indiana 888shy393shy6765
Physicians Health Plan of Northern Indiana shyHighshy Northeast Indiana 260shy432shy6690
Iowa
Aetna Value Planshy All of Iowa 877shy459shy6604
Coventry Health Care of Iowa shyHighshy CentralEasternWestern Iowa 800shy257shy4692
Coventry Health Care of Iowa shyStdshy CentralEasternWestern Iowa 800shy257shy4692
Health Alliance HMO shyHighshy Central and Eastern Iowa 800shy851shy3379
Health Alliance HMO shyStdshy Central and Eastern Iowa 800shy851shy3379
HealthPartners High Option shyNorthern Iowa 800shy883shy2177
HealthPartners Standard Option shyNorthern Iowa 800shy883shy2177
Sanford Health Plan shyHighshy Northwestern Iowa 800shy752shy5863
Sanford Health Plan shyStdshy Northwestern Iowa 800shy752shy5863
UnitedHealthcare Plan of the River Valley Inc shyHighshy Eastern and Central Iowa 800shy747shy1446
JS4 JS5
FX1 FX2
K84 K85
MW4 MW5
A61 A62
A64 A65
751 752
754 755
MH1 MH2
MH4 MH5
DQ1 DQ2
H44 H45
SV1 SV2
SY4 SY5
FX1 FX2
K84 K85
V31 V32
V34 V35
AU1 AU2
AU4 AU5
YH1 YH2
17258 41140
26932 67294
20323 51891
10247 22697
13880 30882
12491 27794
40638 90413
15825 35210
15825 35210
13880 30882
30786 68557
13093 29732
13351 31376
9799 23027
26932 67294
20323 51891
26865 64982
8897 20464
26173 63455
23647 57594
14091 38330
61069 138677
70937 165354
64196 149643
41809 92606
56629 125999
50965 113400
84917 188936
59608 132629
59608 132629
56629 125999
74868 166643
53418 121307
54474 128016
39979 93951
70937 165354
64196 149643
70869 162996
36302 83494
70163 161438
67586 155460
57491 135811
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
32
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay
deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How
well
doctors
communicate
Customer
service
Claims
processing
Plan
Information
on
Costs
Indiana
Aetna Value Plan InshyNetwork $25$40 20 $10
HMO
30to$60050 to$1200
POS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Health Alliance HMOshyHigh
Health Alliance HMOshyStandard
Humana Value Plan InshyNetwork
4040
$25$50
$25$50
$35$55
40
$200day x 5
20
20
50+
$7
$7
$10
50+50+
$35$70
$35$70
$40$60
No
Yes
Yes
Yes
745 915 88 962 878 868 67
Humana Value Plan OutshyNetwork
Humana Health Plan of OhioshyHigh
Humana Health Plan of OhioshyStandard
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
Physicians Health Plan of Northern IndianashyHigh
Iowa
Aetna Value Plan InshyNetwork
5050
$20$35
$25$40
$20$35
$25$40
$20$35
$25$40
$15$15
$25$40
50
$250day x 3
$500day x 3
$250day x 3
$500day x 3
$250day x 3
$500day x 3
20
20
$10+
$10
$10
$10
$10
$10
$10
$10
$10
$40+$60+
$40$60
$40$60
$40$60
$40$60
$40$60
$40$60
$25$50
30to$60050 to$1200
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
647
647
562
822
822
878
788
788
815
943
943
934
859
859
868
834
834
893
66
66
593
Aetna Value Plan OutshyNetwork
Coventry Health Care of IowashyHigh
Coventry Health Care of IowashyStandard
Health Alliance HMOshyHigh
Health Alliance HMOshyStandard
HealthPartners High Option
HealthPartners Standard Option
Sanford Health Plan InshyNetwork
4040
$25$50
$25$50
$25$50
$25$50
$25$45
$0 for 3 then 20
$20$30
40
20
20
$200day x 5
20
Nothing
20 in40 out
$100day x 5
50+
$3 $10
$3 $10
$7
$7
$12
$9
$15
50+50+
$45$70$100
30$5000 Max
$35$70
$35$70
$45$90
$40$70
$30$50
No
Yes
No
Yes
Yes
Yes
Yes
NA
562
562
745
647
647
535
905
905
915
893
893
903
888
888
88
875
875
89
964
964
962
951
951
977
837
837
878
92
92
902
903
903
868
911
911
912
652
652
67
725
725
558 Sanford Health Plan OutshyNetwork
Sanford Health Plan InshyNetwork
4040
$25$25
40
$100day x 5
40+
$15
40+40+
$30$50
NA
NA 535 903 89 977 902 912 558 Sanford Health Plan OutshyNetwork
UnitedHealthcare Plan of the River Valley shyHigh
40+40+
$25$50
40+
20
40+
$10
40+40+
$35$50
NA
Yes 577 896 86 956 914 918 623
33
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Kansas
Aetna Value Planshy Most of Kansas
Aetna Open Access shyHighshy Kansas City area
Coventry Health Care of Kansas shyHighshy Kansas City Metro Area (KS and MO)
Coventry Health Care of Kansas shyStdshy Kansas City Metro Area (KS and MO)
Humana Value Plan shy Kansas City Area
Humana Health Plan Inc shyHighshy Kansas City
Humana Health Plan Inc shyStdshy Kansas City
Kentucky
Aetna Value Planshy Most of Kentucky
Humana Health Plan of Ohio shyHighshy Portions of Kentucky
Humana Health Plan of Ohio shyStdshy Portions of Kentucky
Humana Health Plan Inc shyHighshy Louisville
Humana Health Plan Inc shyStdshy Louisville
Humana Health Plan Inc shyHighshy Lexington
Humana Health Plan Inc shyStdshy Lexington
Louisiana
Aetna Value Planshy Most of Louisiana
Coventry Health Care of Louisiana shyHighshy New Orleans Area
Coventry Health Care of Louisiana shyStdshy New Orleans Area
Humana Health Benefit Plan of Louisiana Inc shyHighshy Baton Rouge
Humana Health Benefit Plan of Louisiana Inc shyStdshy Baton Rouge
Humana Health Benefit Plan of Louisiana Inc shyHighshy New Orleans
Humana Health Benefit Plan of Louisiana Inc shyStdshy New Orleans
877shy459shy6604
877shy459shy6604
800shy969shy3343
800shy969shy3343
888shy393shy6765
888shy393shy6765
888shy393shy6765
877shy459shy6604
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
877shy459shy6604
800shy341shy6613
800shy341shy6613
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
G54 G55
HY1 HY2
HA1 HA2
HA4 HA5
PH4 PH5
MS1 MS2
MS4 MS5
H44 H45
A61 A62
A64 A65
MH1 MH2
MH4 MH5
MI1 MI2
MI4 MI5
F54 F55
BJ1 BJ2
BJ4 BJ5
AE1 AE2
AE4 AE5
BC1 BC2
BC4 BC5
12822 29119
13777 50039
13519 32270
12568 29535
10247 22697
62521 139111
15825 35210
13093 29732
13880 30882
12491 27794
15825 35210
13880 30882
19459 43292
13880 30882
13058 29656
19208 48754
13035 30271
15825 35210
13149 29256
13880 30882
12491 27794
52315 118808
55396 147754
55160 129630
51276 120503
41809 92606
107238 238608
59608 132629
53418 121307
56629 125999
50965 113400
59608 132629
56629 125999
63314 140872
56629 125999
53279 120995
63058 146443
53182 123506
59608 132629
53648 119367
56629 125999
50965 113400
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
34
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay
deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How
well
doctors
communicate
Customer
service
Claims
processing
Plan
Information
on
Costs
Kansas
Aetna Value Plan InshyNetwork $25$40 20 $10
HMO
30to$60050 to$1200
POS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Coventry Health Care of KansasshyHigh
Coventry Health Care of KansasshyStandard
Humana CoverageFirst InshyNetwork
4040
$20$35
$30$60
$30$60
$35$55
40
$250day x 4
25
30
20
50+
$10
$3 $12
$3 $12
$10
50+50+
$35$100
$50$75
$5020
$40$60
No
Yes
Yes
Yes
Yes
639
602
602
862
906
906
862
88
88
94
96
96
838
894
894
901
884
884
538
663
663
Humana CoverageFirst OutshyNetwork
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
Kentucky
Aetna Value Plan InshyNetwork
5050
$20$35
$25$40
$25$40
50
$250day x 3
$500day x 3
20
$10+
$10
$10
$10
$40+$60+
$40$60
$40$60
30to$60050 to$1200
No
Yes
Yes
Yes
676
676
903
903
901
901
951
951
881
881
918
918
729
729
Aetna Value Plan OutshyNetwork
Humana Health Plan of OhioshyHigh
Humana Health Plan of OhioshyStandard
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
Louisiana
Aetna Value Plan InshyNetwork
4040
$20$35
$25$40
$20$35
$25$40
$20$35
$25$40
$25$40
40
$250day x 3
$500day x 3
$250day x 3
$500day x 3
$250day x 3
$500day x 3
20
50+
$10
$10
$10
$10
$10
$10
$10
50+50+
$40$60
$40$60
$40$60
$40$60
$40$60
$40$60
30to$60050 to$1200
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes Aetna Value Plan OutshyNetwork
Coventry Health Care of LouisianashyHigh
Coventry Health Care of LouisianashyStandard
Humana Health Benefit Plan of LA shyHigh
Humana Health Benefit Plan of LA shyStandard
Humana Health Benefit Plan of LA shyHigh
Humana Health Benefit Plan of LA shyStandard
4040
$25$45
$30$55
$20$35
$35$40
$20$35
$35$40
40
Ded+$100
Ded+30
$250day x 3
$500day x 3
$250day x 3
$500day x 3
50+
$5
$5
$10
$10
$10
$10
50+50+
$40$100
$40$100
$40$60
$40$60
$40$60
$40$60
No
Yes
Yes
Yes
Yes
Yes
Yes
573
573
874
874
823
823
968
968
831
831
827
827
625
625
35
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Maine
Aetna Value Planshy All of Maine 877shy459shy6604
Maryland
Aetna Value Planshy All of Maryland 877shy459shy6604
Aetna Open Access shyHighshy NorthernCentralSouthern Maryland Areas 877shy459shy6604
Aetna Open Access shyBasicshy NorthernCentralSouthern Maryland Areas 877shy459shy6604
CareFirst BlueChoice shyHighshy All of Maryland 888shy789shy9065
CareFirst BlueChoice shyStdshy All of Maryland 888shy789shy9065
Coventry Health Care shyHighshy All of Maryland 800shy833shy7423
Coventry Health Care shyStdshy All of Maryland 800shy833shy7423
Kaiser Foundation Health Plan MidshyAtlantic States shyHighshy BaltimoreWashington DC areas 877shy574shy3337
Kaiser Foundation Health Plan MidshyAtlantic States shyStdshy BaltimoreWashington DC areas 877shy574shy3337
MD IPA shyHighshy All of Maryland 877shy835shy9861
Massachusetts
Aetna Value Planshy Most of Massachusetts 877shy459shy6604
Fallon Community Health Plan shyBasicshy CentralEastern Massachusetts 800shy868shy5200
EP4 EP5
F54 F55
JN1 JN2
JN4 JN5
2G1 2G2
2G4 2G5
IG1 IG2
IG4 IG5
E31 E32
E34 E35
JP1 JP2
EP4 EP5
JG1 JG2
12694 28827
13058 29656
46867 105610
14021 31351
21177 48693
15284 35429
14998 37685
13265 30509
16926 42124
9646 22186
20245 50123
12694 28827
29337 80043
51792 117616
53279 120995
91271 204437
57208 127913
65067 146381
59056 132852
58764 135153
54121 124479
60731 139681
39358 90520
64116 147840
51792 117616
73390 178358
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
36
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay
deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How
well
doctors
communicate
Customer
service
Claims
processing
Plan
Information
on
Costs
Maine
Aetna Value Plan InshyNetwork $25$40 20 $10
HMO
30to$60050 to$1200
POS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Maryland
Aetna Value Plan InshyNetwork
4040
$25$40
40
20
50+
$10
50+50+
30to$60050 to$1200
No
Yes Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Aetna Open AccessshyBasic
CareFirst BlueChoiceshyHigh
CareFirst BlueChoice InshyNetwork
4040
$15$30
$20$35
$25$35
Nothing$35
40
$150day x3
10 Plan Allow
$200
$200
50+
$5
$10
Nothing
Nothing
50+50+
$35$100
$35$100
$35$65
$35$65
No
Yes
Yes
Yes
Yes
69
69
648
648
844
844
86
86
872
872
833
833
942
942
925
925
865
865
846
846
914
914
902
902
567
567
54
54 CareFirst BlueChoice OutshyNetwork
Coventry Health CareshyHigh
Coventry Health CareshyStandard
Kaiser Foundation HP MidshyAtlantic StatesshyHigh
Kaiser Foundation HP MidshyAtlantic StatesshyStandard
MD IPAshyHigh
Massachusetts
Aetna Value Plan InshyNetwork
$70$70
$20$40
$20$40
$10$20
$20$30
$25$40
$25$40
$500
$200day x 3
$200day x 3
$100
$250dayx3
$150day x 3
20
Nothing
$3$15
$3$15
$7$17 Net
$12$22Net
$7
$10
$35$65
$30$60
$30$60
$30$50$45$65
$35$55$50$
$30$60
30to$60050 to$1200
Yes
Yes
Yes
Yes
70 Yes
Yes
Yes
563
563
83
83
583
864
864
867
867
846
864
864
831
831
876
969
969
927
927
937
892
892
813
813
867
871
871
836
836
841
606
606
702
702
677
Aetna Value Plan OutshyNetwork
Fallon Community Health PlanshyBasic
4040
$25$35
40
$150to$750max
50+
$10
50+50+
$30$60
No
Yes 627 851 882 929 883 801 649
37
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Michigan
Aetna Value Planshy All of Michigan 877shy459shy6604
Bluecare Network of MI shyHighshy East Region 800shy662shy6667
Bluecare Network of MI shyHighshy Southeast Region 800shy662shy6667
Grand Valley Health Plan shyHighshy Grand Rapids area 616shy949shy2410
Grand Valley Health Plan shyStdshy Grand Rapids area 616shy949shy2410
Health Alliance Plan shyHighshy Southeastern MichiganFlint Area 800shy556shy9765
Health Alliance Plan shyStdshy Southeastern MichiganFlint Area 800shy556shy9765
HealthPlus of MI shyHighshy East Michigan 800shy332shy9161
Total Health Care USA shyHighshy Michigan 800shy826shy2862
Minnesota
Aetna Value Planshy Most of Minnesota 877shy459shy6604
HealthPartners High Option shy Minnesota 800shy883shy2177
HealthPartners Standard Option shy Minnesota 800shy883shy2177
Mississippi Aetna Value Planshy Most of Mississippi 877shy459shy6604
G54 G55
K51 K52
LX1 LX2
RL1 RL2
RL4 RL5
521 522
GY4 GY5
X51 X52
A51 A52
H44 H45
V31 V32
V34 V35
H44 H45
12822 29119
22055 52593
18055 50747
24184 61492
19656 50897
20111 55722
16974 48191
13915 49809
13670 50117
13093 29732
26865 64982
8897 20464
13093 29732
52315 118808
65962 150359
61882 148476
68134 159436
63515 148629
63980 153551
60780 145869
56775 147520
55776 147834
53418 121307
70869 162996
36302 83494
53418 121307
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
38
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How well
doctors
communicate
Customer
service
Claims
processing
Plan Inform
ation
on Costs
Michigan
Aetna Value Plan InshyNetwork $25$40 20 $10
HMOP
30to$60050 to$1200
OS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Bluecare Network of MIshyHigh
Bluecare Network of MIshyHigh
Grand Valley Health PlanshyHigh
Grand Valley Health PlanshyStandard
Health Alliance PlanshyHigh
Health Alliance PlanshyStandard
HealthPlus of MIshyHigh
Total Health Care USAshyHigh
Minnesota
Aetna Value Plan InshyNetwork
4040
$15$25
$15$25
$10$10
$20$20
$10$20
$15$30
$10$20
$15$15
$25$40
40
Nothing
Nothing
Nothing
$500x3
Nothing
Nothing
None
None
20
50+
$10
$10
$5
$10
$5
$15
$0$8
$10
$10
50+50+
$30$60
$30$60
$15$15
NA$40
$50$50
$50$50
$40$60
$40$40
30to$60050 to$1200
No
Yes
Yes
No
No
Yes
Yes
Yes
Yes
Yes
651
651
742
742
793
793
793
899
899
90
90
888
888
919
875
875
912
912
862
862
92
933
933
952
952
943
943
951
884
884
883
883
899
899
946
937
937
836
836
902
902
919
672
672
795
795
656
656
658
Aetna Value Plan OutshyNetwork
HealthPartners High Option
HealthPartners Standard Option
Mississippi Aetna Value Plan InshyNetwork
4040
$25$45
$0 for 3 then 20
$25$40
40
Nothing
20 in40 out
20
50+
$12
$9
$10
50+50+
$45$90
$40$70
30to$60050 to$1200
No
Yes
Yes
Yes
647
647
893
893
875
875
951
951
92
92
911
911
725
725
Aetna Value Plan OutshyNetwork 4040 40 50+ 50+50+ No
39
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Missouri Aetna Value Planshy Most of Missouri
Aetna Open Access shyHighshy Kansas City area
Blue Preferred Plus POS shyHighshy StLouisCentralSW areas
Coventry Health Care of Kansas shyHighshy Kansas City Metro Area (KS and MO)
Coventry Health Care of Kansas shyStdshy Kansas City Metro Area (KS and MO)
Humana Value Plan shy Kansas City Area
Humana Health Plan Inc shyHighshy Kansas City
Humana Health Plan Inc shyStdshy Kansas City
United Healthcare of the Midwest Inc shyHighshy St Louis Area
Montana
Aetna Value Planshy SouthSoutheastWestern MT Areas
Nebraska
Aetna Value Planshy All of Nebraska
Nevada
Aetna Value Planshy Las Vegas Area
Aetna Open Access shyHighshy Clark County and Las Vegas areas
Health Plan of Nevada shyHighshy Las VegasEsmeralda and Nye counties
New Hampshire
Aetna Value Planshy All of New Hampshire
877shy459shy6604
877shy459shy6604
888shy811shy2092
800shy969shy3343
800shy969shy3343
888shy393shy6765
888shy393shy6765
888shy393shy6765
877shy835shy9861
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy545shy7378
877shy459shy6604
G54 G55
HY1 HY2
9G1 9G2
HA1 HA2
HA4 HA5
PH4 PH5
MS1 MS2
MS4 MS5
B91 B92
H44 H45
H44 H45
G54 G55
HF1 HF2
NM1 NM2
EP4 EP5
12822 29119
13577 50039
32158 67069
13519 32270
12568 29535
10247 22697
62521 139111
15825 35210
33072 74273
13093 29732
13093 29732
12822 29119
11267 36491
9883 23303
12694 28827
52315 118808
55396 147754
76267 165125
55160 129630
51276 120503
41809 92606
107238 238608
59608 132629
77200 172473
53418 121307
53418 121307
52315 118808
45970 133935
40322 95078
51792 117616
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
40
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How well
doctors
communicate
Customer
service
Claims
processing
Plan Inform
ation
on Costs
Missouri Aetna Value Plan InshyNetwork $25$40 20 $10
HMOP
30to$60050 to$1200
OS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
4040
$20$35
40
$250day x 4
50+
$10
50+50+
$35$100 $40$60
No
Yes 639 862 862 94 838 901 538
Blue Preferred Plus POS InshyNetwork $25$35 $500 $5 25$6025 Yes 647 891 861 961 84 864 685 Blue Preferred Plus POS OutshyNetwork Coventry Health Care of KansasshyHigh
Coventry Health Care of KansasshyStandard
Humana Value Plan InshyNetwork
30 after ded $30$60
$30$60
$35$55
30 after ded 25
30
20
NA $3 $12
$3 $12
$10
NA $50$75
$5020
$40$60
NA Yes
Yes
Yes
602
602
906
906
88
88
96
96
894
894
884
884
663
663
Humana Value Plan OutshyNetwork
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
United Healthcare of the Midwest IncshyHigh
Montana
Aetna Value Plan InshyNetwork
5050
$20$35
$25$40
$25$40
$25$40
50
$250day x 3
$500day x 3
$450
20
$10+
$10
$10
$7
$10
$40+$60+
$40$60
$40$60
$30$60
30to$60050 to$1200
No
Yes
Yes
Yes
Yes
676
676
665
903
903
919
901
901
902
951
951
957
881
881
892
918
918
898
729
729
732
Aetna Value Plan OutshyNetwork
Nebraska
Aetna Value Plan InshyNetwork
4040
$25$40
40
20
50+
$10
50+50+
30to$60050 to$1200
No
Yes Aetna Value Plan OutshyNetwork
Nevada
Aetna Value Plan InshyNetwork
4040
$25$40
40
20
50+
$10
50+50+
30to$60050 to$1200
No
Yes Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Health Plan of NevadashyHigh
New Hampshire
Aetna Value Plan InshyNetwork
4040
$20$35
$10$25
$25$40
40
$250day x 4
$300
20
50+
$10
$7
$10
50+50+
$35$100
$35$55$100
30to$60050 to$1200
No
Yes
Yes
Yes
602
516
838
696
861
66
923
892
849
892
918
912
636
529
Aetna Value Plan OutshyNetwork 4040 40 50+ 50+50+ No
41
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
New Jersey
Aetna Value Planshy All of New Jersey 877shy459shy6604
Aetna Open Access shyHighshy Northern New Jersey 877shy459shy6604
Aetna Open Access shyBasicshy Northern New Jersey 877shy459shy6604
Aetna Open Access shyHighshy Southern NJ 877shy459shy6604
Aetna Open Access shyBasicshy Southern NJ 877shy459shy6604
GHI Health Plan shyHighshy Northern New Jersey 212shy501shy4444
GHI Health Plan shyStdshy Northern New Jersey 212shy501shy4444
New Mexico
Aetna Value Planshy AlbuquerqueDona AnaHobbs Area 877shy459shy6604
Lovelace Health Plan shyHighshy All of New Mexico 800shy808shy7363
Presbyterian Health Plan shyHighshy All counties in New Mexico 800shy356shy2219
EP4 EP5
JR1 JR2
JR4 JR5
P31 P32
P34 P35
801 802
804 805
G54 G55
Q11 Q12
P21 P22
12694 28827
52355 123641
34184 82457
64801 164359
49560 118027
32591 93212
14135 33572
12822 29119
13099 30785
23940 56335
51792 117616
96868 222828
78334 180821
109563 264361
94017 217102
76709 191791
57672 130958
52315 118808
53445 125603
67885 154176
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
42
Primary care Hospital
Prescription Drugs
Member Survey Results
Mail lan
eeded
are
ll icate
r ng rmation
Plan Name ndash Location Specialist
office copay per stay
deductible Level I Level II Level III
order discount
Overall p
satisfaction
Getting n
care
Getting c
quickly
How
we
doctors
commun
Custome
service
Claims
processi
Plan
Info
on
Costs
New Jersey
Aetna Value Plan InshyNetwork $25$40 20 $10
HMO
30to$60050 to$1200
POS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Aetna Open AccessshyBasic
Aetna Open AccessshyHigh
Aetna Open AccessshyBasic
GHI Health Plan InshyNetwork
4040
$20$35
$15$35
$20$35
$15$35
$20$20
40
$250day x 4
20 Plan Allow
$250day x 4
20 Plan Allow
$150max$450
50+
$10
$5
$10
$5
$20
50+50+
$35$100
$35$100
$35$100
$35$100
$45$85
No
Yes
Yes
Yes
Yes
Yes
631
631
631
631
663
852
852
852
852
844
837
837
837
837
851
928
928
928
928
936
895
895
895
895
86
809
809
809
809
828
623
623
623
623
642 GHI Health Plan OutshyNetwork
GHI Health PlanshyStandard
New Mexico
Aetna Value Plan InshyNetwork
50 of sch
$30$30
$25$40
+50 of sch
$250day x 3
20
NA
$10
$10
NA
$45$85
30to$60050 to$1200
No
Yes
Yes
663 844 851 936 86 828 642
Aetna Value Plan OutshyNetwork
Lovelace Health PlanshyHigh
Presbyterian Health PlanshyHigh
4040
$25$35
$25$40
40
$250 after ded
$100 x 5 days
50+
$5
$10
50+50+
$35$6050
$40$7550
No
Yes
Yes
651
655
796
824
753
783
918
917
828
848
939
852
656
616
43
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
New York
Aetna Value Planshy Most of New York 877shy459shy6604
Aetna Open Access shyHighshy NYC AreaUpstate NY 877shy459shy6604
Aetna Open Access shyBasicshy NYC AreaUpstate NY 877shy459shy6604
CDPHP Universal Benefits Inc shyHighshy Upstate Hudson Valley Central NY 877shy269shy2134
CDPHP Universal Benefits Inc shyStdshy Upstate Hudson Valley Central NY 877shy269shy2134
GHI HMO Select shyHighshy BrnxBrklynManhatQueenRichmonWestche 877shy244shy4466
GHI HMO Select shyHighshy CapitalHudson Valley Regions 877shy244shy4466
GHI Health Plan shyHighshy All of New York 212shy501shy4444
GHI Health Plan shyStdshy All of New York 212shy501shy4444
HIP Health of Greater New York shyHighshy New York City area including Long Island 800shy447shy8255
HIP Health of Greater New York shyStdshy New York City area including Long Island 800shy447shy8255
Independent Health Association shyHighshy Western New York 800shy501shy3439
Independent Health Association shyStdshy Western New York 800shy501shy3439
MVP Health Care shyHighshy Eastern Region 888shy687shy6277
MVP Health Care shyStdshy Eastern Region 888shy687shy6277
MVP Health Care shyHighshy Western Region 888shy687shy6277
MVP Health Care shyStdshy Western Region 888shy687shy6277
MVP Health Care shyHighshy Central Region 888shy687shy6277
MVP Health Care shyStdshy Central Region 888shy687shy6277
MVP Health Care shyHighshy Northern Region 888shy687shy6277
MVP Health Care shyStdshy Northern Region 888shy687shy6277
MVP Health Care shyHighshy MidshyHudson Region 888shy687shy6277
MVP Health Care shyStdshy MidshyHudson Region 888shy687shy6277
EP4 EP5
JC1 JC2
JC4 JC5
SG1 SG2
SG4 SG5
6V1 6V2
X41 X42
801 802
804 805
511 512
514 515
QA1 QA2
C54 C55
GA1 GA2
GA4 GA5
GV1 GV2
GV4 GV5
M91 M92
M94 M95
MF1 MF2
MF4 MF5
MX1 MX2
MX4 MX5
12694 28827
40198 109033
26007 71920
22952 71235
12294 32053
19548 60991
14167 47634
32591 93212
14135 33572
17000 63158
12206 34562
18597 58201
14454 47853
16586 53386
13377 39674
13042 35704
11193 28006
17110 54877
13779 42651
25417 75411
22349 67734
18731 58664
13657 42345
51792 117616
84468 207928
69993 170073
66877 169374
50161 129408
63405 158925
57800 145301
76709 191791
57672 130958
60806 161136
49800 131968
62435 156079
58209 145524
60384 151168
54580 137182
53210 133132
45669 114266
60918 152689
56220 140218
69392 173634
66262 165803
62572 156552
55723 139906
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
44
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How well
doctors
communicate
Customer
service
Claims
processing
Plan Inform
ation
on Costs
New York
Aetna Value Plan InshyNetwork $25$40 20 $10
HMOP
30to$60050 to$1200
OS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Aetna Open AccessshyBasic
CDPHP Universal Benefits IncshyHigh
CDPHP Universal Benefits IncshyStandard
GHI HMO SelectshyHigh
GHI HMO SelectshyHigh
GHI Health Plan InshyNetwork
4040
$20$35
$15$35
$20$30
$25$40
$25$40
$25$40
$20$20
40
$250day x 4
20 Plan Allow
$100 x 5
$500+10
$500
$500
$150max$450
50+
$10
$5
25
30
$10
$10
$20
50+50+
$35$100
$35$100
2525
3030
$30$50
$30$50
$45$85
No
Yes
Yes
No
No
Yes
Yes
Yes
662
662
729
729
663
848
848
928
928
844
849
849
90
90
851
937
937
949
949
936
888
888
922
922
86
874
874
924
924
828
547
547
70
70
642 GHI Health Plan OutshyNetwork
GHI Health PlanshyStandard
HIP Health of Greater New YorkshyHigh
HIP Health of Greater New YorkshyStandard
Independent Health Assoc InshyNetwork
50 of sch
$30$30
$20$40
$30$50
$25$25
+50 of sch
$250day x 3
None
$1000
$250
NA
$10
$15
$15$100Ded
$10
NA
$45$85
$35$75
$30$75
$35$75 $75$100Ded
No
Yes
Yes
Yes
No
663
729
729
735
844
814
814
933
851
786
786
923
936
888
888
952
86
787
787
92
828
848
848
916
642
60
60
755 Independent Health Assoc OutshyNetwork
Independent Health Association InshyNetwork
2525
$30$50
25
$750
NA
$10
NA
$5050
No
Yes Independent Health Association OutshyNetwork
MVP Health CareshyHigh
MVP Health CareshyStandard
MVP Health CareshyHigh
MVP Health CareshyStandard
MVP Health CareshyHigh
MVP Health CareshyStandard
MVP Health CareshyHigh
MVP Health CareshyStandard
MVP Health CareshyHigh
MVP Health CareshyStandard
3030
$25$25
$30$50
$25$25
$30$50
$25$25
$30$50
$25$25
$30$50
$25$25
$30$50
30
$500
$750
$500
$750
$500
$750
$500
$750
$500
$750
NA
$5
$5
$5
$5
$5
$5
$5
$5
$5
$5
NA
$35$70
$45$90
$35$70
$45$90
$35$70
$45$90
$35$70
$45$90
$35$70
$45$90
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
739
739
739
739
739
739
739
739
739
739
934
934
934
934
934
934
934
934
934
934
89
89
89
89
89
89
89
89
89
89
962
962
962
962
962
962
962
962
962
962
896
896
896
896
896
896
896
896
896
896
92
92
92
92
92
92
92
92
92
92
768
768
768
768
768
768
768
768
768
768
45
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
North Carolina
Aetna Value Planshy All of North Carolina 877shy459shy6604
North Dakota
Aetna Value Planshy Most of North Dakota 877shy459shy6604
HealthPartners High Option shy Eastern North Dakota 800shy883shy2177
HealthPartners Standard Option shyEastern North Dakota 800shy883shy2177
Sanford Heart of America Health Plan shyHighshy Northcentral North Dakota 800shy525shy5661
Sanford Health Plan shyHighshy North Dakota 800shy752shy5863
Sanford Health Plan shyStdshy North Dakota 800shy752shy5863
Ohio
Aetna Value Planshy All of Ohio 877shy459shy6604
AultCare HMO shyHighshy StarkCarrollHolmesTuscarawasWayne Co 330shy363shy6360
Humana Health Plan of Ohio shyHighshy Greater Cincinnati Area 888shy393shy6765
Humana Health Plan of Ohio shyStdshy Greater Cincinnati Area 888shy393shy6765
HealthSpan Integrated CareshyClevelandAkron areas 800shy686shy7100
HealthSpan Integrated CareshyStdshyClevelandAkron areas 800shy686shy7100
The Health Plan of the Upper Ohio Valley shyHighshy Eastern Ohio 800shy624shy6961
Oklahoma
Aetna Value Planshy All of Oklahoma 877shy459shy6604
Globalhealth Inc shyHighshy Oklahoma 877shy280shy5600
F54 F55
H44 H45
V31 V32
V34 V35
RU1 RU2
C91 C92
C94 C95
JS4 JS5
3A1 3A2
A61 A62
A64 A65
641 642
644 645
U41 U42
JS4 JS5
IM1 IM2
13058 29656
13093 29732
26865 64982
8897 20464
13803 47086
20976 51441
14143 45836
17258 41140
14204 44676
13880 30882
12491 27794
28758 69344
13114 30163
26271 60855
17258 41140
11810 28460
53279 120995
53418 121307
70869 162996
36302 83494
56317 144742
64862 149184
57705 143467
61069 138677
57953 142284
56629 125999
50965 113400
72799 167445
53504 123066
70263 158786
61069 138677
48185 116118
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
46
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How well
doctors
communicate
Customer
service
Claims
processing
Plan Inform
ation
on Costs
North Carolina
Aetna Value Plan InshyNetwork $25$40 20 $10
HMOP
30to$60050 to$1200
OS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
North Dakota
Aetna Value Plan InshyNetwork
4040
$25$40
40
20
50+
$10
50+50+
30to$60050 to$1200
No
Yes Aetna Value Plan OutshyNetwork
HealthPartners High Option
HealthPartners Standard Option
Sanford Heart of America Health Plan InshyNetwork
4040
$25$45
$0 for 3 then 20
$15$25
40
Nothing
20 in40 out
None
50+
$12
$9
50$600ded
50+50+
$45$90
$40$70
50$600 ded
No
Yes
Yes
None
647
647
893
893
875
875
951
951
92
92
911
911
725
725
Sanford Heart of America Health Plan OutshyNetwork
Sanford Health Plan InshyNetwork
2020
$20$30
20
$100day x 5
NA
$15
NA
$30$50
NA
NA 535 903 89 977 902 912 558 Sanford Health Plan OutshyNetwork
Sanford Health Plan InshyNetwork
4040
$25$25
40
$100day x 5
40+
$15
40+40+
$30$50
NA
NA 535 903 89 977 902 912 558 Sanford Health Plan OutshyNetwork
Ohio
Aetna Value Plan InshyNetwork
40+40+
$25$40
40+
20
40+
$10
40+40+
30to$60050 to$1200
NA
Yes Aetna Value Plan OutshyNetwork
AultCare HMOshyHigh
Humana Health Plan of OhioshyHigh
Humana Health Plan of OhioshyStandard
HealthSpan Integrated CareshyHigh
HealthSpan Integrated CareshyStandard
The Health Plan of the Upper Ohio ValleyshyHigh
Oklahoma
Aetna Value Plan InshyNetwork
4040
$15$20
$20$35
$25$40
$20$20
$30$40
$10$20
$25$40
40
$150
$250day x 3
$500day x 3
$250
$500
$250
20
50+
$15
$10
$10
$10
$15
$15
$10
50+50+
$30$40$55
$40$60
$40$60
$30$30
$40$40
$30$50
30to$60050 to$1200
No
No
Yes
Yes
Yes
Yes
Yes
Yes
877
788
788
744
922
845
845
909
907
889
889
876
941
922
922
951
944
935
935
929
935
906
906
944
853
708
708
745
Aetna Value Plan OutshyNetwork
Globalhealth IncshyHigh
4040
$15$45
40
$250dymx1000
50+
$4$10
50+50+
$45$70
No
Yes 592 816 839 916 893 872 727
47
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Oregon
Aetna Value Planshy Most of Oregon
Kaiser Foundation Health Plan of Northwest shyHighshy PortlandSalem areas
Kaiser Foundation Health Plan of Northwest shyStdshy PortlandSalem areas
Pennsylvania
Aetna Value Planshy All of Pennsylvania
Aetna Open Access shyHighshy Philadelphia
Aetna Open Access shyBasicshy Philadelphia
Aetna Open Access shyHighshy Pittsburgh and Western PA Areas
Geisinger Health Plan shyStdshy NortheasternCentralSouth Central areas
HealthAmerica Pennsylvania shyHighshy Greater Pittsburgh Area
UPMC Health Plan shyHighshy Western Pennsylvania
UPMC Health Plan shyStdshy Western Pennsylvania
Puerto Rico
Humana Health Plans of Puerto Rico Inc shyHighshy Puerto Rico
TripleshyS Salud Inc shyHighshy All of Puerto Rico
Rhode Island
Aetna Value Planshy All of Rhode Island
South Carolina
Aetna Value Planshy All of South Carolina
877shy459shy6604
800shy813shy2000
800shy813shy2000
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
800shy447shy4000
866shy351shy5946
888shy876shy2756
888shy876shy2756
800shy314shy3121
787shy774shy6060
877shy459shy6604
877shy459shy6604
H44 H45
571 572
574 575
H44 H45
P31 P32
P34 P35
YE1 YE2
GG4 GG5
261 262
8W1 8W2
UW4 UW5
ZJ1 ZJ2
891 892
EP4 EP5
JS4 JS5
13093 29732
22672 52645
13617 31283
13093 29732
64801 164359
49560 118027
19203 59806
16820 41884
17814 47183
22135 54101
13345 30692
8026 18317
8829 19866
12694 28827
17258 41140
53418 121307
66592 150412
55557 127637
53418 121307
109563 264361
94017 217102
63053 157716
60623 139436
61637 144841
66044 151897
54448 125225
32748 74733
36023 81052
51792 117616
61069 138677
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
48
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay
deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How
well
doctors
communicate
Customer
service
Claims
processing
Plan
Information
on
Costs
Oregon
Aetna Value Plan InshyNetwork $25$40 20 $10
HMOP
30to$60050 to$1200
OS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Kaiser Foundation HP of NorthwestshyHigh
Kaiser Foundation HP of NorthwestshyStandard
Pennsylvania
Aetna Value Plan InshyNetwork
4040
$20$30
$30$40
$25$40
40
$200
$500
20
50+
$15
$20
$10
50+50+
$40$60
$40$60
30to$60050 to$1200
No
Yes
Yes
Yes
768
768
844
844
847
847
916
916
927
927
89
89
683
683
Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Aetna Open AccessshyBasic
Aetna Open AccessshyHigh
Geisinger Health PlanshyStandard
HealthAmerica PennsylvaniashyHigh
UPMC Health PlanshyHigh
UPMC Health PlanshyStandard
Puerto Rico
Humana Health Plans of PR InshyNetwork
4040
$20$35
$15$35
$20$35
$20$35
$25$50
10 after Deduct
20 after Deduct
$5$5
40
$250day x 4
20 Plan Allow
$250day x 4
20aftrDeduct
15 after ded
10 after deduct
20after Deduct
None
50+
$10
$5
$10
30 $5$15
$5
$5 after ded
$5 after ded
$250
50+50+
$35$100
$35$100
$35$100
$35$60
$35$75
$35$75$100
$10$15
40 $40$120 50 $85$250
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
579
579
579
668
699
754
754
806
861
861
861
868
873
908
908
803
835
835
835
85
885
899
899
82
935
935
935
938
957
97
97
938
887
887
887
906
86
913
913
887
899
899
899
902
921
904
904
70
631
631
631
677
671
678
678
541 Humana Health Plans of PR OutshyNetwork $10$10 $50 NA NA
Greater of $15 or Yes
TripleshyS Salud Inc InshyNetwork TripleshyS Salud Inc OutshyNetwork
Rhode Island
Aetna Value Plan InshyNetwork
$750$10
$25$40
$750 amp 10 +$10 amp 10 +
None 10 +
20
$5 or $12 NA
$10
NA
2025 up to$100$175max
30to$60050 to$1200
Yes No
Yes
691 874 844 963 872 75 586
Aetna Value Plan OutshyNetwork
South Carolina
Aetna Value Plan InshyNetwork
4040
$25$40
40
20
50+
$10
50+50+
30to$60050 to$1200
No
Yes Aetna Value Plan OutshyNetwork 4040 40 50+ 50+50+ No
49
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of Your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
South Dakota
Aetna Value Planshy Rapid CitySioux Falls Area 877shy459shy6604
HealthPartners High Option shy Eastern South Dakota 800shy883shy2177
HealthPartners Standard Option shyEastern South Dakota 800shy883shy2177
Sanford Health Plan shyHighshy EasternCentralRapid City Areas 800shy752shy5863
Sanford Health Plan shyStdshy EasternCentralRapid City Areas 800shy752shy5863
Tennessee
Aetna Value Planshy Most of Tennessee 877shy459shy6604
Aetna Open Access shyHighshy Memphis Area 877shy459shy6604
Humana Health Plan Inc shyHighshy Knoxville 888shy393shy6765
Humana Health Plan Inc shyStdshy Knoxville 888shy393shy6765
G54 G55
V31 V32
V34 V35
AU1 AU2
AU4 AU5
F54 F55
UB1 UB2
GJ1 GJ2
GJ4 GJ5
12822 29119
26865 64982
8897 20464
26173 63455
23647 57594
13058 29656
24581 76516
15825 35210
12491 27794
52315 118808
70869 162996
36302 83494
70163 161438
67586 155460
53279 120995
68539 174761
59608 132629
50965 113400
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
50
Primary
Prescription Drugs
Member Survey Results
ded ation
care Hospital Mail
plan
Getting nee
care
How well
teica
r ng rm
Plan Name ndash Location Specialist office copay
per stay deductible Level I
Level II Level III
order discount
Overall
satisfaction
care
Getting
quickly
doctors
commun
Custome
service
Claims
processi
Plan Info
on Costs
South Dakota
Aetna Value Plan InshyNetwork $25$40 20 $10
HMOP
30to$60050 to$1200
OS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
HealthPartners High Option
HealthPartners Standard Option
Sanford Health Plan InshyNetwork
4040
$25$45
$0 for 3 then 20
$20$30
40
Nothing
20 in40 out
$100day x 5
50+
$12
$9
$15
50+50+
$45$90
$40$70
$30$50
No
Yes
Yes
NA
647
647
535
893
893
903
875
875
89
951
951
977
92
92
902
911
911
912
725
725
558 Sanford Health Plan OutshyNetwork
Sanford Health Plan InshyNetwork
4040
$25$25
40
$100day x 5
40+
$15
40+40+
$30$50
NA
NA
535
535 903 89 977 902 912 558 Sanford Health Plan OutshyNetwork
Tennessee
Aetna Value Plan InshyNetwork
40+40+
$25$40
40+
20
40+
$10
40+40+
30to$60050 to$1200
NA
Yes Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
4040
$20$35
$20$35
$25$40
40
$250day x 4
$250day x 3
$500day x 3
50+
$10
$10
$10
50+50+
$35$100
$40$60
$40$60
No
Yes
Yes
Yes
66 875 868 959 889 914 69
51
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Texas
Aetna Value Planshy All of Texas 877shy459shy6604
Aetna Whole Health shyBasicshy Houston Area 877shy459shy6604
Firstcare shyHighshy Waco area 800shy884shy4901
Firstcare shyHighshy West Texas 800shy884shy4901
Firstcare shyHighshy TaylorCallahanEastland 800shy884shy4901
Firstcare shyHighshy Lubbock area 800shy884shy4901
Firstcare shyHighshy BryanCollege Station Area 800shy884shy4901
Humana Value Plan shy Corpus Christi Area 888shy393shy6765
Humana Value Plan shy San Antonio Area 888shy393shy6765
Humana Value Plan shy Austin Area 888shy393shy6765
Humana Health Plan of Texas shyHighshy Houston 888shy393shy6765
Humana Health Plan of Texas shyStdshy Houston 888shy393shy6765
Humana Health Plan of Texas shyHighshy Corpus Christi 888shy393shy6765
Humana Health Plan of Texas shyStdshy Corpus Christi 888shy393shy6765
Humana Health Plan of Texas shyHighshy San Antonio 888shy393shy6765
Humana Health Plan of Texas shyStdshy San Antonio 888shy393shy6765
Humana Health Plan of Texas shyHighshy Austin 888shy393shy6765
Humana Health Plan of Texas shyStdshy Austin 888shy393shy6765
Scott amp White Health Plan shyStdshy Central TX amp Some SE and SW Counties 800shy321shy7947
UnitedHealthcare Benefits of Texas Inc shyHighshy San Antonio 866shy546shy0510
JS4 JS5
ES1 ES2
B71 B72
CK1 CK2
CN1 CN2
CZ1 CZ2
ET1 ET2
TP4 TP5
TU4 TU5
TV4 TV5
EW1 EW2
EW4 EW5
UC1 UC2
UC4 UC5
UR1 UR2
UR4 UR5
UU1 UU2
UU4 UU5
A84 A85
GF1 GF2
17258 41140
12817 40332
11057 37880
10809 34896
13391 65886
13031 61566
12638 56836
10247 22697
10247 22697
10247 22697
13880 30882
12491 27794
17899 39821
13880 30882
55020 122416
13880 30882
26524 59015
15825 35210
14907 37260
32515 78160
61069 138677
52295 137853
45113 135352
44103 132308
54635 163918
53169 159512
51562 154687
41809 92606
41809 92606
41809 92606
56629 125999
50965 113400
61723 137332
56629 126001
99587 221579
56629 126001
70521 156910
59608 132629
58671 134720
76632 176438
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
52
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How well
doctors
communicate
Customer
service
Claims
processing
Plan Inform
ation
on Costs
Texas
Aetna Value Plan InshyNetwork $25$40 20 $10
HMO
30to$60050 to$1200
POS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Aetna Whole Health InshyNetwork
4040
$5$25$35
40
15
50+
$5
50+50+
$35$60
No
Yes Aetna Whole Health OutshyNetwork
FirstcareshyHigh
FirstcareshyHigh
FirstcareshyHigh
FirstcareshyHigh
FirstcareshyHigh
Humana Value Plan InshyNetwork
4040
$30$55
$30$55
$30$55
$30$55
$30$55
$35$55
40
$250day x 5
$250day x 5
$250day x 5
$250day x 5
$250day x 5
20
40
$10
$10
$10
$10
$10
$10
4040
$35$70
$35$70
$35$70
$35$70
$35$70
$40$60
No
Yes
Yes
Yes
Yes
Yes
Yes Humana Value Plan OutshyNetwork
Humana Value Plan InshyNetwork
5050
$35$55
50
20
$10+
$10
$40+$60+
$40$60
No
Yes Humana Value Plan OutshyNetwork
Humana Value Plan InshyNetwork
5050
$35$55
50
20
$10+
$10
$40+$60+
$40$60
No
Yes Humana Value Plan OutshyNetwork
Humana Health Plan of TexasshyHigh
Humana Health Plan of TexasshyStandard
Humana Health Plan of TexasshyHigh
Humana Health Plan of TexasshyStandard
Humana Health Plan of TexasshyHigh
Humana Health Plan of TexasshyStandard
Humana Health Plan of TexasshyHigh
Humana Health Plan of TexasshyStandard
Scott amp White Health PlanshyStandard
UnitedHealthcare Benefits of Texas IncshyHigh
5050
$20$35
$25$40
$20$35
$25$40
$20$35
$25$40
$20$35
$25$40
$20$45
$20$40
50
$250day x 3
$500day x 3
$250day x 3
$500day x 3
$250day x 3
$500day x 3
$250day x 3
$500day x 3
10
$250day x 5
$10+
$10
$10
$10
$10
$10
$10
$10
$10
$5
$10
$40+$60+
$40$60
$40$60
$40$60
$40$60
$40$60
$40$60
$40$60
$40$60
$45$100
$35$60
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
63
63
702
835
835
862
764
764
863
931
931
937
864
864
875
856
856
87
673
673
569
53
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Utah
Aetna Value Planshy Most of Utah 877shy459shy6604
Altius Health Plans shyHighshy Wasatch Front 800shy377shy4161
Altius Health Plans shyStdshy Wasatch Front 800shy377shy4161
SelectHealth shyHighshy Urban and Suburban Utah 800shy538shy5038
SelectHealth shyStdshy Urban and Suburban Utah 800shy538shy5038
Vermont Aetna Value Planshy All of Vermont 877shy459shy6604
Virgin Islands
TripleshyS Salud Inc shyHighshy US Virgin Islands 800shy981shy3241
G54 G55
9K1 9K2
DK4 DK5
SF1 SF2
SF4 SF5
EP4 EP5
851 852
12822 29119
19819 42542
11798 25954
19210 43095
12435 27741
12694 28827
10305 23402
52315 118808
63682 140107
48136 105894
63060 140671
50737 113183
51792 117616
42043 95481
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
54
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How well
doctors
communicate
Customer
service
Claims
processing
Plan Inform
ation
on Costs
Utah
Aetna Value Plan InshyNetwork $25$40 20 $10
HMO
30to$60050 to$1200
POS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Altius Health PlansshyHigh
Altius Health PlansshyStandard
SelectHealthshyHigh
SelectHealthshyStandard
Vermont Aetna Value Plan InshyNetwork
4040
$20$30
$20$40
$15$25
$20$30
$25$40
40
$200
None
$100
$100 after
20
50+
$7
$7
$5$25$50
$5$25$50
$10
50+50+
$25$50
$35$60
$25$50$50
$25 $50$50
30to$60050 to$1200
No
No
None
Yes
Yes
Yes
552
552
629
629
852
852
876
876
813
813
851
851
948
948
958
958
883
883
912
912
895
895
903
903
588
588
64
64
Aetna Value Plan OutshyNetwork
Virgin Islands
4040 40 50+ 50+50+ No
Greater of $15 or TripleshyS Salud Inc InshyNetwork TripleshyS Salud Inc OutshyNetwork
$750$10 $750 amp 10 +$10 amp 10 +
None 10 +
$5 or $12 NA NA
2025 up to$100$175max
Yes No
691 874 844 963 872 75 586
55
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Virginia
Aetna Value Planshy Most of Virginia 877shy459shy6604
Aetna Open Access shyHighshy NorthernCentralRichmond Virginia Areas 877shy459shy6604
Aetna Open Access shyBasicshy NorthernCentralRichmond Virginia Areas 877shy459shy6604
Aetna Whole Health shyBasicshy Roanoke VA area 877shy459shy6604
Aetna Whole Health shyBasicshy Newport News VA area 877shy459shy6604
CareFirst BlueChoice shyHighshy Northern Virginia 888shy789shy9065
CareFirst BlueChoice shyStdshy Northern Virginia 888shy789shy9065
HealthKeepers Inc shyHighshy Virginia 855shy580shy1200
Kaiser Foundation Health Plan MidshyAtlantic States shyHighshy Northern VirginiaFredericksburg area 877shy574shy3337
Kaiser Foundation Health Plan MidshyAtlantic States shyStdshy Northern VirginiaFredericksburg area 877shy574shy3337
MD IPA shyHighshy Northern Viginia 877shy835shy9861
Optima Health Plan shyHighshy Hampton Roads and Richmond areas 800shy206shy1060
Optima Health Plan shyStdshy Hampton Roads and Richmond areas 800shy206shy1060
Piedmont Community Healthcare shyHighshy Lynchburg area 888shy674shy3368
Washington
Aetna Value Planshy Most of Washington 877shy459shy6604
Aetna Open Access shyHighshy Seattle and Spokane areas 877shy459shy6604
Group Health Cooperative shyHighshy Western WACentral WASpokanePullman 888shy901shy4636
Group Health Cooperative shyStdshy Western WACentral WASpokanePullman 888shy901shy4636
KPS Health Plans shyStdshy All of Washington 800shy552shy7114
KPS Health Plans shyHighshy All of Washington 800shy552shy7114
Kaiser Foundation Health Plan of Northwest shyHighshy VancouverLongview 800shy813shy2000
Kaiser Foundation Health Plan of Northwest shyStdshy VancouverLongview 800shy813shy2000
F54 F55
JN1 JN2
JN4 JN5
D91 D92
J91 J92
2G1 2G2
2G4 2G5
A91 A92
E31 E32
E34 E35
JP1 JP2
9R1 9R2
9R4 9R5
2C1 2C2
G54 G55
C31 C32
541 542
544 545
L11 L12
VT1 VT2
571 572
574 575
13058 29656
46867 105610
14021 31351
12138 40332
11280 29365
21177 48693
15284 35429
20427 47008
16926 42124
9646 22186
20245 50123
26858 69565
11269 26665
12235 28017
12822 29119
14933 62274
27070 55009
11742 26509
12426 26823
31651 67459
22672 52645
13617 31283
53279 120995
91271 204437
57208 127913
49524 137853
46023 119808
65067 146381
59056 132852
64302 144663
60731 139681
39358 90520
64116 147840
70861 167671
45977 108794
49920 114308
52315 118808
58698 160234
71078 152824
47908 108156
50700 109437
75750 165523
66592 150412
55557 127637
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
56
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How well
doctors
communicate
Customer
service
Claims
processing
Plan Inform
ation
on Costs
Virginia
Aetna Value Plan InshyNetwork Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Aetna Open AccessshyBasic
Aetna Whole Health InshyNetwork Aetna Whole Health OutshyNetwork
Aetna Whole Health InshyNetwork Aetna Whole Health OutshyNetwork
CareFirst BlueChoiceshyHigh
CareFirst BlueChoice InshyNetwork
$25$40 4040
$15$30
$20$35
$25$35 4040
$5$25$35 4040
$25$35
Nothing$35
20 40
$150day x3
10 Plan Allow
15 40
15 40
$200
$200
$10 50+
$5
$10
$5 40
$5 40
Nothing
Nothing
HMO
50+50+
$35$100
$35$100
$35$60 4040
$35$60 4040
$35$65
$35$65
30to$60050 to$1200
POS National
Yes No
Yes
Yes
Yes No
Yes No
Yes
Yes
Average
69
69
648
648
679
844
844
86
86
864
872
872
833
833
849
942
942
925
925
942
865
865
846
846
877
914
914
902
902
875
567
567
54
54
649
CareFirst BlueChoice OutshyNetwork
HealthKeepers IncshyHigh
Kaiser Foundation HP MidshyAtlantic StatesshyHigh
Kaiser Foundation HP MidshyAtlantic StatesshyStandard
MD IPAshyHigh
Optima Health PlanshyHigh
Optima Health PlanshyStandard
Piedmont Community HealthcareshyHigh
Washington
Aetna Value Plan InshyNetwork Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Group Health CooperativeshyHigh
Group Health CooperativeshyStandard
KPS Health Plans InshyNetwork KPS Health Plans OutshyNetwork
KPS Health Plans InshyNetwork KPS Health Plans OutshyNetwork
Kaiser Foundation HP of NorthwestshyHigh
Kaiser Foundation HP of NorthwestshyStandard
$70$70
$10$20
$20$30
$25$40
$25$30
$35$35
$25$40 4040
$20$35
$25$25
$25$35
$154 or 2020
$30$30 $30+40+diff
$20$30
$30$40
$0$3530NonshyNetwork
$20$0childlt22$30
$154+40+diff 40+diff
$500
$200 x3 days
$100
$250dayx3
$150day x 3
$150max$750
$20020
20
20 40
$250day x 4
$350
$500
Nothing Nothing
None None
$200
$500
Nothing
$0
$7$17 Net
$12$22Net
$7
$10
$10
$15
$10 50+
$10
$20
$20
$10 Not Covered
$5 Not Covered
$15
$20
$35$65
$30$50$50
$30$50$45$65
$35$55$50$70
$30$60
$40$55
50+50+
$35$100
$40$60
$40$60
Not Covered
NA
$40$60
$40$60
$353050up to $3000
$355050 up to $3000
$35$50 30day$100 90day
$25$50 30day$100 90day
30to$60050 to$1200
Yes
Yes
Yes
Yes
Yes
Yes
No
No
Yes No
Yes
Yes
Yes
Yes No
Yes No
Yes
Yes
83
83
583
692
692
659
659
798
798
768
768
867
867
846
864
864
86
86
94
94
844
844
833
831
831
876
886
886
869
869
928
928
847
847
927
927
937
969
969
941
941
957
957
916
916
813
813
867
87
87
912
912
931
931
927
927
836
836
841
916
916
881
881
897
897
89
89
702
702
677
674
674
692
692
65
65
683
683
57
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
West Virginia
Aetna Value Planshy Most of West Virginia 877shy459shy6604
The Health Plan of the Upper Ohio Valley shyHighshy NorthernCentral West Virginia 800shy624shy6961
Wisconsin
Aetna Value Planshy All of Wisconsin 877shy459shy6604
Aetna Whole Health shyBasicshy Milwaukee WI Area 877shy459shy6604
Dean Health Plan shyHighshy South Central Wisconsin 800shy279shy1301
Group Health Cooperative shyHighshy South Central Wisconsin 800shy605shy4327
HealthPartners High Option shy Western Wisconsin 800shy883shy2177
HealthPartners Standard Option shy Western Wisconsin 800shy883shy2177
MercyCare HMO shyHighshy South Central Wisconsin 800shy895shy2421
Physicians Plus shyHighshy All of WI 800shy545shy5015
Wyoming
Aetna Value Plan shyBasicshy All of Wyoming 877shy459shy6604
Altius Health Plans shyHighshy Uinta County 800shy377shy4161
Altius Health Plans shyStdshy Uinta County 800shy377shy4161
F54 F55
U41 U42
JS4 JS5
F71 F72
WD1 WD2
WJ1 WJ2
V31 V32
V34 V35
EY1 EY2
LW1 LW2
H44 H45
9K1 9K2
DK4 DK5
13058 29656
26271 60855
17258 41140
10600 29208
24382 72670
15910 51534
26865 64982
8897 20464
14597 48275
16556 55954
13093 29732
19819 42542
11798 25954
53279 120995
70263 158786
61069 138677
43250 119170
68336 170838
59694 149279
70869 162996
36302 83494
58355 145955
60353 153787
53418 121307
63682 140107
48136 105894
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
58
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Claims
processing
Getting needed
care
Getting care
quickly
How well
doctors
communicate
Customer
service
Plan Inform
ation
on Costs
West Virginia
Aetna Value Plan InshyNetwork Aetna Value Plan OutshyNetwork
The Health Plan of the Upper Ohio ValleyshyHigh
Wisconsin
Aetna Value Plan InshyNetwork Aetna Value Plan OutshyNetwork
Aetna Whole Health InshyNetwork Aetna Whole Health OutshyNetwork
Dean Health PlanshyHigh
Group Health CooperativeshyHigh
HealthPartners High Option
HealthPartners Standard Option
MercyCare HMOshyHigh
Physicians PlusshyHigh
Wyoming
Aetna Value Plan InshyNetwork Aetna Value Plan OutshyNetwork
Altius Health PlansshyHigh
Altius Health PlansshyStandard
$25$40 4040
$10$20
$25$40 4040
$25$35 4040
$25$25
$10$10
$25$45
$0 for 3 then 20
$10$10
$10$10
$25$40 4040
$20$30
$20$40
20 40
$250
20 40
15 40
None
None
Nothing
20 in40 out
Nothing
Nothing
20 40
$200
None
$10 Yes 50+ 50+50+ No
$15 $30$50 Yes
$10 Yes 50+ 50+50+ No
$5 $35$60 Yes 40 4040 No
$10 Yes
$5 $20$20 Yes
$12 $45$90 Yes
$9 $40$70 Yes
$10 $20$50 Yes
$10 3050 No
$10 Yes 50+ 50+50+ No
$7 $25$50 No
$7 $35$60 None
HMOPOS National Average
30$75max 50 wmin$50
30to$60050 to$1200
30to$60050 to$1200
30to$60050 to$1200
744
682
785
647
647
784
601
552
552
679
909 876 951 929 944
909 90 97 834 879
834 834 953 929 932
893 875 951 92 911
893 875 951 92 911
888 854 938 888 87
857 822 96 863 866
852 813 948 883 895
852 813 948 883 895
864 849 942 877 875
745
588
718
725
725
684
686
588
588
649
59
Appendix E FEHB Plan Comparison Charts
High Deductible and ConsumershyDriven Health Plans With a Health Savings Account or Health Reimbursement Arrangement
(Pages 64 through 83)
A High Deductible Health Plan (HDHP) provides comprehensive coverage for highshycost medical events and a taxshyadvantaged way to help you build savings for future medical expenses The HDHP gives you greater flexibility and discretion over how you use your health care benefits
When you enroll your health plan establishes for you either a Health Savings Account (HSA) or a Health Reimbursement Arrangement (HRA) The plan automatically deposits the monthly ldquopremium pass throughrdquo into your HSA The plan credits an amount into the HRA (This is the ldquoPremium Contribution to HSAHRArdquo column in the following charts)
Preventive care is covered in full As you receive other nonshypreventive medical care you must meet the plan deductible before the health plan pays benefits You can choose to pay your deductible with funds from your HSA or you can choose instead to pay for your deductible outshyofshypocket allowing your savings to continue to grow
The HDHP features higher annual deductibles (a minimum of $1250 for Self Only and $2500 for Self and Family coverage) and annual outshyofshypocket limits (not to exceed $6350 for Self Only and $12700 for Self and Family coverage) than other insurance plans Depending on the HDHP you choose you may have the choice of using InshyNetwork and OutshyofshyNetwork providers There may be higher deductibles and outshyofshypocket limits when you use OutshyofshyNetwork providers Using InshyNetwork providers will save you money
Health Savings Account (HSA)
A Health Savings Account allows individuals to pay for current health expenses and save for future qualified medical expenses on a preshytax basis Funds deposited into an HSA are not taxed the balance in the HSA grows tax free and that amount is available on a tax free basis to pay medical costs You are eligible for an HSA if you are enrolled in an HDHP not covered by any other health plan that is not an HDHP (including a spousersquos health plan but does not include specific injury insurance and accident disability dental care vision care or longshyterm coverage) not enrolled in Medicare not received VA benefits or IHS benefits within the last three months not covered by your own or your spousersquos flexible spending account (FSA) and are not claimed as a dependent on someone elsersquos tax return If you are enrolled in a High Deductible Health Plan with an HSA you may not participate in a Health Care Flexible Spending Account (HCFSA) but you are permitted to participate in a Limited Expense (LEX) HCFSA HSAs are subject to a number of rules and limitations established by the Department of the Treasury
Visit wwwtreasurygovresourceshycenterfaqstaxespageshealthshysavingsshyaccountsaspx for more information The 2014 maximum contribution limits are $3300 for Self Only coverage and $6550 for Self and Family coverage If you are over 55 you can make an additional ldquocatch uprdquo contribution You can use funds in your account to help pay your health plan deductible
60
Appendix E FEHB Plan Comparison Charts
High Deductible and ConsumershyDriven Health Plans With a Health Savings Account or Health Reimbursement Arrangement
Features of an HSA include
bull Taxshydeductible deposits you make to the HSA Your own HSA contributions are either taxshydeductible or preshytax (if made by payroll deduction) See IRS Publication 969
bull Taxshydeferred interest earned on the account
bull Taxshyfree withdrawals for qualified medical expenses
bull Carryover of unused funds and interest from year to year
bull Portability the account is owned by you and is yours to keep ndash even when you retire leave government service or change plans
Health Reimbursement Arrangement (HRA)
Health Reimbursement Arrangements are a common feature of ConsumershyDriven Health Plans They may be referred to by the health plan under a different name such as personal care account They are also available to enrollees in High Deductible Health Plans who are not eligible for an HSA HRAs are similar to HSAs except
bull An enrollee cannot make deposits into an HRA
bull A health plan may impose a ceiling on the value of an HRA
bull Interest is not earned on an HRA and
bull The amount in an HRA is not transferable if the enrollee leaves the health plan
If you are enrolled in a High Deductible Health Plan with an HRA you may participate in a Health Care Flexible Spending Account (HCFSA)
The plan will credit the HRA different amounts depending on whether you have a Self Only or a Self and Family enrollment You can use funds in your account to help pay your health plan deductible
Features of an HRA include
bull Taxshyfree withdrawals for qualified medical expenses bull Carryover of unused credits from year to year bull Credits in an HRA do not earn interest bull Credits in the HRA are forfeited if you leave federal employment or switch health insurance plans
Please note that the premium rates provided are the maximum amount you are expected to pay for your premium Your tribal employer may choose to pay a higher portion of your premium Please check with your tribal employer for exact rates
61
Appendix E FEHB Plan Comparison Charts
High Deductible and ConsumershyDriven Health Plans With a Health Savings Account or Health Reimbursement Arrangement
ELIGIBILITY
FUNDING
Health Savings Account (HSA)
You must enroll in a High Deductible Health Plan (HDHP) No other general medical insurance coverage is permitted You cannot be enrolled in Medicare Part A or Part B You cannot be claimed as a dependent on someone elsersquos tax returns
The plan deposits a monthly ldquopremium pass throughrdquo into your account
Health Reimbursement Arrangement (HRA)
You must enroll in a High Deductible Health Plan (HDHP)
The plan deposits the credit amount directly into your account
CONTRIBUTIONS
DISTRIBUTIONS
The maximum allowed is a combination of the health plan ldquopremium pass throughrdquo and the member contribution up to the maximum contribution amount set by the IRS each year
May be used to pay the outshyofshypocket medical expenses for yourself your spouse or your dependents (even if they are not covered by the HDHP) or to pay the planrsquos deductible
See IRS Publication 502 for a complete list of eligible expenses
Only that portion of the premium specified by the health plan will be contributed You cannot add your own money to an HRA
May be used to pay the outshyofshypocket expenses for qualified medical expenses for individuals covered under the HDHP or to pay the planrsquos deductible
See IRS Publication 502 for a complete list of eligible expenses
ANNUAL ROLLOVER
PORTABLE Yes you can take this account with you when you change plans separate from service or retire
Yes funds accumulate without a maximum cap
If you retire and remain in your HDHP you may continue to use and accumulate credits in your HRA
If you terminate employment or change health plans only eligible expenses incurred while covered under that HDHP will be eligible for reimbursement subject to timely filing requirements Unused credits are forfeited
Yes credits accumulate without a maximum cap
IMPORTANT REMINDER This is only a summary of the features of the HDHPHSA or HRA Refer to the specific Plan brochure for the complete details covering Plan design operation and administration as each Plan will have differences
62
Appendix E FEHB Plan Comparison Charts
High Deductible and ConsumershyDriven Health Plans With a Health Savings Account or Health Reimbursement Arrangement
The tables on the following pages highlight selected features that may help you narrow your choice of health plans The tables do not show all of your possible outshyofshypocket costs All benefits are subject to the definitions limitations and exclusions set forth in each planrsquos Federal brochure which is the official statement of benefits available under the planrsquos contract with the Office of Personnel Management Always consult plan brochures before making your final decision
A ConsumershyDriven plan provides you with freedom in spending health care dollars the way you want The typical plan has features such as member responsibility for certain upshyfront medical costs an employershyfunded account that you may use to pay these upshyfront costs and catastrophic coverage with a high deductible You and your family receive full coverage for InshyNetwork preventive care
63
Appendix E FEHB Plan Comparison Charts
High Deductible and ConsumershyDriven Health Plans With a Health Savings Account or Health Reimbursement Arrangement
The tables on the following pages highlight what you are expected to pay for selected features under each plan The charts are not a complete statement of your outshyofshypocket obligations in every individual circumstance Unlike many regular medical plans the covered outshyofshypocket expenses under a High Deductible Health Plan including office visit copayments and prescription drug copayments count toward the calendar year deductible and the catastrophic limit You must read the planrsquos brochure for details
Premium Contribution (pass through) to HSAHRA (or personal care account) shows the amount your health plan automatically deposits or credits into your account on a monthly basis for Self OnlySelf and Family enrollments (ConsumershyDriven Health Plans credit accounts annually) The amount credited under ldquoPremium Contributionrdquo is shown as a monthly amount for comparison purposes only
Calendar Year (CY) Deductible SelfFamily is the maximum amount of covered expenses an individual or family must pay outshyofshypocket including deductibles coinsurance and copayments before the plan pays catastrophic benefits
Catastrophic (Cat) Limit SelfFamily is the maximum amount of covered expenses an individual or family must pay outshyofshypocket including deductibles and coinsurance and copays before the Plan pays catastrophic benefits
Office Visit shows what you pay for a visit to a primary care physician after the deductible is met for other than preventive care
Inpatient Hospital shows what you pay after the deductible is met for hospital services when an inpatient The amount could be a daily copayment up to a specified amount (eg $50 a day up to three days) a coinsurance amount such as 20 or a flat deductible amount (eg $200 per admission) This amount does not include charges from physicians or for services that may not be charged by the hospital such as laboratory or radiology
Your Maximum Monthly Premium is the maximum amount you will pay for your premium Your tribal employer may choose to pay a higher portion of your premium Check with your tribal employer for exact rates
Temporary Continuation of Coverage (TCC) allows former tribal employees and formerly eligible family members to continue their FEHB coverage for a limited period Under TCC you pay the total monthly premium (enrolleersquos share plus the tribal employerrsquos share) plus a 2 administrative charge which equals 102 of Your Total Monthly Premium
Plan Name Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
APWU Health Plan shyCDHPshy Nationwide
GEHA High Deductible Health Plan shyHDHPshy Nationwide
MHBP shy Consumer Option shyHDHPshy Nationwide
NALC shyCDHPshy Nationwide
800shy718shy1299
800shy821shy6136
800shy694shy9901
888shy636shy6252
474 475
341 342
481 482
324 325
9742 21915
11021 25172
13642 30912
10454 22700
39747 89414
44967 102703
55661 126120
42653 92617
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
64
Appendix E FEHB Plan Comparison Charts
High Deductible and ConsumershyDriven Health Plans With a Health Savings Account or Health Reimbursement Arrangement
20 or a flat deductible amount (eg $200 per admission) This amount does not include charges from physicians or for services that may not be charged by the hospital such as laboratory or radiology
Outpatient Surgery shows what you pay the doctor for surgery performed on an outpatient basis
Preventive Services are often covered in full usually with no or only a small deductible or copayment Preventive services may also be payable up to an annual maximum dollar amount (eg up to $300 per person per year)
Prescription Drug Payment Levels Plans use terms such as Level (L I L II) or Tier (T1 T2) to show what you pay for generic or brand name prescription drugs The payment levels that plans use follow L I or Tier 1 includes generic drugs but may include some preferred brands L II or Tier 2 includes preferred brands and may include some generics L III or Tier 3 includes nonshypreferred brands other covered drugs and with some exceptions specialty drugs L IV or Tier 4 includes mostly preferred specialty drugs L V or Tier 5 generally includes nonshypreferred specialty drugs
High Deductible Health Plans and Consumer shy Driven Health Plans are much different from the other types of plans shown in this Guide You can use inshynetwork providers to save money If you use outshyofshynetwork providers however you not only pay more of the costs but you are also usually responsible for any difference between the amount billed for a service and what the plan actually allows (For example you receive a bill from an outshyofshynetwork provider for $100 but the plan allows $85 for the service You pay the higher copayment for outshyofshynetwork care plus the $15 difference between $100 ndash the billed amount ndash and the planrsquos allowance of $85) In addition the difference you pay between the billed amount and the planrsquos allowance does not count toward satisfying the catastrophic limit
Plan Name Benefit Premium CY Ded Cat Limit Office Inpatient Outpatient Preventive Prescription Type Contribution SelfFamily SelfFamily Visit Hospital Surgery Services Drugs
SelfFamily Levels I II III
APWU Health Plan InshyNetwork $1200$2400 $600$1200 $3000$4500 15 None 15 Nothing 252525 APWU Health Plan OutshyNetwork $1200$2400 $600$1200 $9000$9000 40+diff None 40+diff Nothing up to $1200 Not CoveredNANA
GEHA HDHP InshyNetwork $6250$125 $1500$3000 $5000$10000 5 5 5 Nothing 252525 GEHA HDHP OutshyNetWork $6250$125 $1500$3000 $5000$10000 25 25 25 Ded25 25+25+25+
MHBP shy Consumer Option InshyNetwork $70$141 $2000$4000 $5000$10000 $15 $75 dayshy$750 Nothing Nothing $10$25$40 MHBP shy Consumer Option OutshyNetWork $70$141 $2000$4000 $7500$15000 40 40 40 Not Covered Not Covered
NALC InshyNetwork $1200$2400 $2000$4000 $4000$8000 20 20 20 Nothing $10$40$60 NALC OutshyNetwork $1200$2400 $4000$8000 $8000$16000 50 50 50 50 505050+
65
High Deductible Health Plans and ConsumershyDriven Health Plan Member Survey Results
Member Survey results are collected scored and reported by an independent organization ndash not by the health plans See Appendix D for a fuller explanation of each survey category
Overall Plan Satisfaction bull How would you rate your overall experience with your health plan
Getting Needed Care bull How often was it easy to get an appointment the care tests or treatment you thought you needed through your health plan
Getting Care Quickly bull When you needed care right away how often did you get care as soon as you thought you needed bull Not counting the times you needed care right away how often did you get an appointment at a doctorrsquos office or clinic
as soon as you thought you needed
How Well Doctors bull How often did your personal doctor explain things in a way that was easy to understand Communicate bull How often did your personal doctor listen carefully to you show respect for what you had to say and spend enough time with you
Customer Service bull How often did written materials or the Internet provide the information you needed about how your health plan works bull How often did your health planrsquos customer service give you the information or help you needed bull How often were the forms from your health plan easy to fill out
Claims Processing bull How often did your health plan handle your claims quickly and correctly
Plan Information on Costs bull How often were you able to find out from your health plan how much you would have to pay for a health care service or equipment or for specific prescription drug medicines
Aetna HealthFund shy Nationwide 22
GEHA High Deductible Health Plan shy Nationwide 34
Mail Handlers Benefit Plan Consumer Option shy Nationwide 48
Aetna HealthFund shy Nationwide 22
APWU Health Plan shy Nationwide 47
Humana CoverageFirst shy TX TP TU TV
Humana Coverage First shy IN MW
High Deductible Health Plans Plan Name
Plan Code
ConsumershyDriven Health Plans Plan Name
Plan Code
HDHP National Average
CDHP National Average
614
606
623
614
579
606
664
566
478
Overall plan satisfaction
Overall plan satisfaction
885 866 929 860
891 888 952 830
873 851 923 863
891 859 912 887
881 865 939 850
891 888 952 830
909 907 925 871
849 864 932 843
875 801 948 856
Getting needed care
Getting care quickly
How well doctors
communicate Customer service
Member Survey Results
Getting needed care
Getting care quickly
How well doctors
communicate Customer service
876
879
865
885
847
879
845
853
812
Claims processing
Claims processing
585
563
602
590
585
563
680
542
555
Plan Information on Costs
Plan Information on Costs
66
The tables on the following pages highlight selected features that may help you narrow your choice of health plans The tables do not show all of your possible outshyofshypocket costs All benefits are subject to the definitions limitations and exclusions set forth in each planrsquos Federal brochure which is the official statement of benefits available under the planrsquos contract with the Office of Personnel Management Always consult plan brochures before making your final decision
67
High Deductible and ConsumershyDriven Health Plans See pages 64shy65 for an explanation of the columns on these pages
Plan Name
Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Aetna HealthFund shyHDHPshy All 50 States and DC 877shy459shy6604 224 225 11856 25965 48372 105938
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Alabama
Aetna HealthFund shyCDHPshy Most of Alabama
Alaska
Aetna HealthFund shyCDHPshy Most of Alaska
Arizona
Aetna HealthFund shyCDHPshy All of Arizona
Arkansas
Aetna HealthFund shyCDHPshy Most of Arkansas
California
Aetna HealthFund shyCDHPshy Most of California
Colorado
Aetna HealthFund shyCDHPshy All of Colorado
Plan Name
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
Telephone Number
Enrollment Code
F51
JS1
G51
F51
JS1
G51
Self only
F52
JS2
G52
F52
JS2
G52
Self amp family
16322
22787
21977
16322
22787
21977
Self only
39021
53701
51861
39021
53701
51861
Self amp family
60115
66709
65883
60115
66709
65883
Self only
136516
151489
149613
136516
151489
149613
Self amp family
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
68
Plan Name
Benefit Type
Premium Contribution to HSAHRA
CY Ded SelfFamily
Cat Limit SelfFamily
Office Visit
Inpatient Hospital
Outpatient Surgery
Preventive Services
Prescription Drugs
Levels I II III
Aetna HealthFund HDHP InshyNetwork $6250$125 $1500$3000 $4000$8000 10 10 10 Nothing $10$35$60 Aetna HealthFund HDHP OutshyNetWork $6250$125 $2500$5000 $5000$10000 30 30 30 Ded30 30+30+30+
Premium Benefit CY Ded Cat Limit Office Inpatient Outpatient Preventive Prescription Contribution Type SelfFamily SelfFamily Visit Hospital Surgery Services Drugs to HSAHRA Levels I II III Plan Name
Alabama
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Alaska
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed4040+40+40+
Arizona
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Arkansas
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
California
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Colorado
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
69
High Deductible and ConsumershyDriven Health Plans See pages 64shy65 for an explanation of the columns on these pages
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Connecticut
Aetna HealthFund shyCDHPshy All of Connecticut
Delaware
Aetna HealthFund shyCDHPshy All of Delaware
District of Columbia
Aetna HealthFund shyCDHPshy All of Washington DC
CareFirst BlueChoice shyHDHPshy Washington DC Metro Area
Florida
Aetna HealthFund shyCDHPshy Most of Florida
Coventry Health Plan of Florida shyHDHPshy Southern Florida
Humana CoverageFirst shyCDHPshy Tampa Area
Humana CoverageFirst shyCDHPshy South Florida Area
Georgia
Aetna HealthFund shyCDHPshy All of Georgia
Humana CoverageFirst shyCDHPshy Atlanta Area
Humana CoverageFirst shyCDHPshy Macon Area
Guam
TakeCare shyHDHPshy GuamN Mariana IslandsBelau (Palau)
Plan Name
877shy459shy6604
877shy459shy6604
877shy459shy6604
888shy789shy9065
877shy459shy6604
800shy441shy5501
888shy393shy6765
888shy393shy6765
877shy459shy6604
888shy393shy6765
888shy393shy6765
671shy647shy3526
Telephone Number
Enrollment Code
EP1
EP1
F51
B61
F51
J41
MJ1
QP1
F51
AD1
LM1
KX1
Self only
EP2
EP2
F52
B62
F52
J42
MJ2
QP2
F52
AD2
LM2
KX2
Self amp family
20174
20174
16322
14018
16322
13979
12818
10987
16322
11598
12208
6822
Self only
47770
47770
39021
31268
39021
43929
28521
24447
39021
25804
27163
17900
Self amp family
64044
64044
60115
57192
60115
57033
52297
44828
60115
47321
49809
27833
Self only
145440
145440
136516
127574
136516
141522
116366
99744
136516
105282
110827
73032
Self amp family
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
70
Premium Benefit CY Ded Cat Limit Office Inpatient Outpatient Preventive Prescription Contribution Type SelfFamily SelfFamily Visit Hospital Surgery Services Drugs to HSAHRA Levels I II III Plan Name
Connecticut
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Delaware
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
District of Columbia
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
CareFirst BlueChoice InshyNetwork $3750$7500 $1500$3000 $4000$8000 Nothing $300 Nothing Nothing Nothing$30$60 CareFirst BlueChoice OutshyNetWork $3750$7500 $3000$6000 $6000$12000 $70 $500 $70 Nothing Nothing$30$60
Florida
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Coventry Health Plan of Florida $8334$16667 $2500$5000 $5000$10000 $10 Ded+20 Ded+20 Nothing $5$35$5020
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst outshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst outshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Georgia
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst outshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst outshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Guam
TakeCare InshyNetwork $8666$22208 $3000$6000 $5000$10000 20 after Ded 20 after Ded 20 after Ded Nothing $20$40$150 30 after Ded30 after Ded TakeCare OutshyNetWork $8666$22208 $3000$6000 $10000$20000 30 after Ded 30 after Ded 30 after Ded 1st $300ded 30 after Ded
71
High Deductible and ConsumershyDriven Health Plans See pages 64shy65 for an explanation of the columns on these pages
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Hawaii Aetna HealthFund shyCDHPshy All of Hawaii
Idaho
Aetna HealthFund shyCDHPshy Most of Idaho
Altius Health Plans shyHDHPshy Southern Region
Illinois
Aetna HealthFund shyCDHPshy Most of Illinois
Humana CoverageFirst shyCDHPshy Central Illinois
Humana CoverageFirst shyCDHPshy Chicago Area
Indiana
Aetna HealthFund shyCDHPshy All of Indiana
Humana CoverageFirst shyCDHPshy LakePorterLaPorte Counties
Iowa
Aetna HealthFund shyCDHPshy All of Iowa
Coventry Health Care of Iowa shyHDHPshy CentralEasternWestern Iowa
Kansas
Aetna HealthFund shyCDHPshy Most of Kansas
Coventry Health Care of Iowa shyHDHPshy CentralEasternWestern Iowa
Humana CoverageFirst shyCDHPshy Kansas City Area
Plan Name
877shy459shy6604
877shy459shy6604
800shy377shy4161
877shy459shy6604
888shy393shy6765
888shy393shy6765
877shy459shy6604
888shy393shy6765
877shy459shy6604
800shy257shy4692
877shy459shy6604
800shy969shy3343
888shy393shy6765
Telephone Number
Enrollment Code
JS1
H41
9K4
H41
GB1
MW1
JS1
MW1
H41
SV4
G51
9H1
PH1
Self only
JS2
H42
9K5
H42
GB2
MW2
JS2
MW2
H42
SV5
G52
9H2
PH2
Self amp family
22787
16237
8704
16237
12208
12208
22787
12208
16237
8970
21977
12747
10987
Self only
53701
38826
18033
38826
27163
27162
53701
27162
38826
21408
51861
29956
24447
Self amp family
66709
60028
35514
60028
49809
49809
66709
49809
60028
36598
65883
52008
44828
Self only
151489
13631
73576
136317
110827
110823
151489
110823
136317
87344
149613
122219
99744
Self amp family
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
72
Premium Benefit CY Ded Cat Limit Office Inpatient Outpatient Preventive Prescription Contribution Type SelfFamily SelfFamily Visit Hospital Surgery Services Drugs to HSAHRA Levels I II III Plan Name
Hawaii Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Idaho
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Altius Health Plans $4583$9166 $1250$2500 $5000$10000 $20 10 10 Nothing $7$25$50
Illinois
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirs outshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst outshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Indiana
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst outshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Iowa
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Coventry Health Care of Iowa $8333$16666 $2100$4200 $5000$10000 $25 15 45 Nothing $3 $10$45$70
Kansas
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Coventry Health Care of Kansas (Kansas City)shyHDHP $6666$13333 $2500$5000 $4000$8000 20 20 20 Nothing 202020
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst outshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
73
High Deductible and ConsumershyDriven Health Plans See pages 64shy65 for an explanation of the columns on these pages
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Kentucky
Aetna HealthFund shyCDHPshy Most of Kentucky
Humana CoverageFirst shyCDHPshy Lexington Area
Louisiana
Aetna HealthFund shyCDHPshy Most of Louisiana
Maine
Aetna HealthFund shyCDHPshy All of Maine
Maryland
Aetna HealthFund shyCDHPshy All of Maryland
CareFirst BlueChoice shyHDHPshy All of Maryland
Coventry Health Care HDHP shy All of Maryland
Massachusetts
Aetna HealthFund shyCDHPshy Most of Massachusetts
Michigan
Aetna HealthFund shyCDHPshy All of Michigan
Minnesota
Aetna HealthFund shyCDHPshy Most of Minnesota
Mississippi Aetna HealthFund shyCDHPshy Most of Mississippi
Plan Name
877shy459shy6604
888shy393shy6765
877shy459shy6604
877shy459shy6604
877shy459shy6604
888shy789shy9065
800shy833shy7423
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
Telephone Number
Enrollment Code
H41
6N1
F51
EP1
F51
B61
GZ1
EP1
G51
H41
H41
Self only
H42
6N2
F52
EP2
F52
B62
GZ2
EP2
G52
H42
H42
Self amp family
16237
10987
16322
20174
16322
14018
11980
20174
21977
16237
16237
Self only
38826
24447
39021
47770
39021
31268
26835
47770
51861
38826
38826
Self amp family
60028
44828
60115
64044
60115
57192
48880
64044
65883
60028
60028
Self only
136317
99744
136516
145440
136516
127574
109488
145440
149613
136317
136317
Self amp family
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
74
Premium Benefit CY Ded Cat Limit Office Inpatient Outpatient Preventive Prescription Contribution Type SelfFamily SelfFamily Visit Hospital Surgery Services Drugs to HSAHRA Levels I II III Plan Name
Kentucky
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst outshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Louisiana
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Maine
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Maryland
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
CareFirst BlueChoice InshyNetwork $3750$7500 $1500$3000 $4000$8000 Nothing $300 Nothing Nothing Nothing$30$60 CareFirst BlueChoice
Coventry Health Care HDHP
OutshyNetWork
InshyNetwork
$3750$7500
$4167$8334
$3000$6000
$2000$4000
$6000$12000
$4000$8000
$70
Nothing
$500
Nothing
$70
Nothing
Nothing
Nothing
Nothing$30$60
$3$15$30$60 Coventry Health Care HDHP OutshyNetWork $4167$8334 $2000$4000 $4000$8000 30 30 30 30 NA
Massachusetts
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Michigan
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Minnesota
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Mississippi Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
75
High Deductible and ConsumershyDriven Health Plans See pages 64shy65 for an explanation of the columns on these pages
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Missouri Aetna HealthFund shyCDHPshy Most of Missouri
Humana CoverageFirst shyCDHPshy Kansas City Area
Montana
Aetna HealthFund CDHP shy SouthSoutheastWestern MT Areas
Nebraska
Aetna HealthFund shyCDHPshy All of Nebraska
Nevada
Aetna HealthFund shyCDHPshy Las Vegas Area
New Hampshire
Aetna HealthFund shyCDHPshy All of New Hampshire
New Jersey
Aetna HealthFund shyCDHPshy All of New Jersey
New Mexico
Aetna HealthFund shyCDHPshy AlbuquerqueDona AnaHobbs Area
New York
Aetna HealthFund shyCDHPshy Most of New York
Independent Health Assoc shyHDHPshy Western New York
Plan Name
Coventry Health Care of Kansas (Kansas City)shyHDHP Kansas City Metro Area (KS and MO)
877shy459shy6604
800shy969shy3343
888shy393shy6765
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
800shy501shy3439
Telephone Number
Enrollment Code
G51
9H1
PH1
H41
H41
G51
EP1
EP1
G51
EP1
QA4
Self only
G52
9H2
PH2
H42
H42
G52
EP2
EP2
G52
EP2
QA5
Self amp family
21977
12747
10987
16237
16237
21977
20174
20174
21977
20174
9575
Self only
51861
29956
24447
38826
38826
51861
47770
47770
51861
47770
24919
Self amp family
65883
52008
44828
60028
60028
65883
64044
64044
65883
64044
39066
Self only
149613
122219
99744
136317
136317
149613
145440
145440
149613
145440
101669
Self amp family
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
76
Premium Benefit CY Ded Cat Limit Office Inpatient Outpatient Preventive Prescription Contribution Type SelfFamily SelfFamily Visit Hospital Surgery Services Drugs to HSAHRA Levels I II III Plan Name
Missouri Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Coventry Health Care of Kansas (Kansas City)shyHDHP $8333$16666 $2500$5000 $3500$7000 20 20 20 Nothing 202020
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst OutshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Montana
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Nebraska
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Nevada
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
New Hampshire
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
New Jersey
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
New Mexico
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
New York
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Independent Health Assoc InshyNetwork $6642$16667 $2000$4000 $5000$10000 $15 Nothing 20 Nothing $7$25$40 Independent Health Assoc OutshyNetWork $6642$16667 $2000$4000 $5000$10000 40 40 40 Nothing NA
77
High Deductible and ConsumershyDriven Health Plans See pages 64shy65 for an explanation of the columns on these pages
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
North Carolina
Aetna HealthFund shyCDHPshy All of North Carolina
North Dakota
Aetna HealthFund shyCDHPshy Most of North Dakota
Ohio Aetna HealthFund shyCDHPshy All of Ohio
AultCare HMO shyHDHPshy StarkCarrollHolmesTuscarawasWayne Co
Oklahoma Aetna HealthFund shyCDHPshy All of Oklahoma
Oregon Aetna HealthFund shyCDHPshy Most of Oregon
Pennsylvania
Aetna HealthFund shyCDHPshy All of Pennsylvania
HealthAmerica Pennsylvania shy HDHP shy Greater Pittsburgh Area
UPMC Health Plan shyHDHPshy Western Pennsylvania
Rhode Island
Aetna HealthFund shyCDHPshy All of Rhode Island
South Carolina
Aetna HealthFund shyCDHPshy All of South Carolina
Plan Name
877shy459shy6604
877shy459shy6604
877shy459shy6604
330shy363shy6360
877shy459shy6604
877shy459shy6604
877shy459shy6604
866shy351shy5946
888shy876shy2756
877shy459shy6604
877shy459shy6604
Telephone Number
Enrollment Code
F51
H41
JS1
3A4
JS1
H41
H41
Y61
8W4
EP1
JS1
Self only
F52
H42
JS2
3A5
JS2
H42
H42
Y62
8W5
EP2
JS2
Self amp family
16322
16237
22787
8669
22787
16237
16237
12298
12448
20174
22787
Self only
39021
38826
53701
17501
53701
38826
38826
28345
28053
47770
53701
Self amp family
60115
60028
66709
35369
66709
60028
60028
50178
50788
64044
66709
Self only
136516
136317
151489
71405
151489
136317
136317
115650
114458
145440
151489
Self amp family
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
78
North Carolina
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
North Dakota
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Ohio Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
AultCare HMO InshyNetwork $8333$16666 $2000$4000 $4000$8000 20 20 20 Nothing 202020 AultCare HMO OutshyNetWork $8333$16666 $4000$8000 $8000$16000 40 UCR 40 UCR 40 UCR 50 UCR
Oklahoma Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Oregon Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Pennsylvania
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
HealthAmerica Pennsylvania shy HDHP $6250$125 $1500$3000 $4000$8000 $15 Nothing Nothing Nothing $5$35$50
UPMC Health Plan InshyNetwork $8333$$16667 $2000$4000 $3000$6000 10after deduct Nothing UPMC Health Plan OutshyNetWork $8333$16667 $2000$4000 $6000$12000 30after deduct 30 NA
Rhode Island
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
South Carolina
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Plan Name
Premium Contribution to HSAHRA
CY Ded SelfFamily
Cat Limit SelfFamily
Office Visit
Inpatient Hospital
Outpatient Surgery
Preventive Services
Prescription Drugs
Levels I II III
Benefit Type
20 Plan Allow20 Plan Allow 20 Plan Allow
$5 after deduct$35 after deduct
10After Deduct
10 after deduct
30After Deduct
30 after deduct
79
High Deductible and ConsumershyDriven Health Plans See pages 64shy65 for an explanation of the columns on these pages
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
South Dakota
Aetna HealthFund shyCDHPshy Rapid CitySioux Falls Area
Tennessee
Aetna HealthFund shyCDHPshy Most of Tennessee
Texas Aetna HealthFund shyCDHPshy All of Texas
Humana CoverageFirst shyCDHPshy Corpus Christi Area
Humana CoverageFirst shyCDHPshy San Antonio Area
Humana CoverageFirst shyCDHPshy Austin Area
Utah Aetna HealthFund shyCDHPshy Most of Utah
Altius Health Plans shyHDHPshy Wasatch Front
Vermont
Aetna HealthFund shyCDHPshy All of Vermont
Virginia Aetna HealthFund shyCDHPshy Most of Virginia
CareFirst BlueChoice shyHDHPshy Northern Virginia
Plan Name
877shy459shy6604
877shy459shy6604
877shy459shy6604
888shy393shy6765
888shy393shy6765
888shy393shy6765
877shy459shy6604
800shy377shy4161
877shy459shy6604
877shy459shy6604
888shy789shy9065
Telephone Number
Enrollment Code
G51
F51
JS1
TP1
TU1
TV1
G51
9K4
EP1
F51
B61
Self only
G52
F52
JS2
TP2
TU2
TV2
G52
9K5
EP2
F52
B62
Self amp family
21977
16322
22787
12208
12208
13429
21977
8704
20174
16322
14018
Self only
51861
39021
53701
27163
27162
29879
51861
18033
47770
39021
31268
Self amp family
65883
60115
66709
49809
49809
54790
65883
35514
64044
60115
57192
Self only
149613
136516
151489
110827
110823
121906
149613
73576
145440
136516
127574
Self amp family
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
80
Premium Benefit CY Ded Cat Limit Office Inpatient Outpatient Preventive Prescription Contribution Type SelfFamily SelfFamily Visit Hospital Surgery Services Drugs to HSAHRA Levels I II III Plan Name
South Dakota
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Tennessee
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Texas Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst OutshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst OutshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst OutshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Utah Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Altius Health Plans $5208$10415 $1250$2500 $5000$10000 $20 10 10 Nothing $7$25$50
Vermont
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60
Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Virginia Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
CareFirst BlueChoice InshyNetwork $3750$7500 $1500$3000 $4000$8000 Nothing $300 Nothing Nothing Nothing$30$60 CareFirst BlueChoice OutshyNetWork $3750$7500 $3000$6000 $6000$12000 $70 $500 $70 Nothing Nothing$30$60
81
High Deductible and ConsumershyDriven Health Plans See pages 64shy65 for an explanation of the columns on these pages
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Washington Aetna HealthFund shyCDHPshy Most of Washington
KPS Health Plans shyHDHPshy All of Washington
West Virginia Aetna HealthFund shyCDHPshy Most of West Virginia
Wisconsin Aetna HealthFund shyCDHPshy All of Wisconsin
Wyoming
Aetna HealthFund shyCDHPshy All of Wyoming
Altius Health Plans shyHDHPshy Uinta County
Plan Name
877shy459shy6604
800shy552shy7114
877shy459shy6604
877shy459shy6604
877shy459shy6604
800shy377shy4161
Telephone Number
Enrollment Code
G51
L14
F51
JS1
H41
9K4
Self only
G52
L15
F52
JS2
H42
9K5
Self amp family
21977
10262
16322
22787
16237
8704
Self only
51861
22425
39021
53701
38826
18033
Self amp family
65883
41871
60115
66709
60028
35514
Self only
149613
91494
136516
151489
136317
73576
Self amp family
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
82
Washington Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
KPS Health Plans InshyNetwork $6250$125 $1300$2600 $4000$8000 20 None 20 Nothing KPS Health Plans OutshyNetWork $6250$125 $1300$2600 $4000$8000 40 None 40 Not Covered Not Covered
West Virginia Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Wisconsin Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Wyoming
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Altius Health Plans $5208$10415 $1250$2500 $5000$10000 $20 10 10 Nothing $7$25$50
Plan Name
Premium Contribution to HSAHRA
CY Ded SelfFamily
Cat Limit SelfFamily
Office Visit
Inpatient Hospital
Outpatient Surgery
Preventive Services
Prescription Drugs
Levels I II III
Benefit Type
$10$35$50 30day $100 90day
83
______________________________________________________________________________________________________________
Medicaid and the Childrenrsquos Health Insurance Program (CHIP) Offer Free or LowshyCost Health Coverage to Children and Families
If you or your children are eligible for Medicaid or CHIP and you are eligible for health coverage from your employer your State may have a premium assistance program that can help pay for coverage These States use funds from their Medicaid or CHIP programs to help people who are eligible for these programs but also have access to health insurance through their employer If you or your children are not eligible for Medicaid or CHIP you will not be eligible for these premium assistance programs
If you or your dependents are already enrolled in Medicaid or CHIP and you live in a State listed below you can contact your State Medicaid or CHIP office to find out if premium assistance is available
If you or your dependents are NOT currently enrolled in Medicaid or CHIP and you think you or any of your dependents might be eligible for either of these programs you can contact your State Medicaid or CHIP office or dial 1shy877shyKIDS NOW or wwwinsurekidsnowgov to find out how to apply If you qualify you can ask the State if it has a program that might help you pay the premiums for an employershysponsored plan
Once it is determined that you or your dependents are eligible for premium assistance under Medicaid or CHIP as well as eligible under your employer plan your employer must permit you to enroll in your employer plan if you are not already enrolled This is called a ldquospecial enrollmentrdquo opportunity and you must request coverage within 60 days of being determined eligible for premium assistance If you have questions about enrolling in your employer plan you can contact the Department of Labor electronically at wwwaskebsadolgov or by calling tollshyfree 1shy866shy444shyEBSA (3272)
If you live in one of the following States you may be eligible for assistance paying your employer health plan premiums The following list of States is current as of January 31 2013 You should contact your State for further information on eligibility ndash
ALABAMA ndash Medicaid KANSAS ndash Medicaid Website httpwwwmedicaidalabamagov Phone 1shy855shy692shy5447
Website httpwwwkdheksgovhcf Phone 1shy800shy792shy4884
ALASKA ndash Medicaid KENTUCKY ndash Medicaid Website httphealthhssstateakusdpaprogramsmedicaid Phone (Outside of Anchorage) 1shy888shy318shy8890 Phone (Anchorage) 907shy269shy6529
Website httpchfskygovdmsdefaulthtm Phone 1shy800shy635shy2570
ARIZONA ndash CHIP LOUISIANA ndash Medicaid Website httpwwwazahcccsgovapplicants Phone (Outside of Maricopa County) 1shy877shy764shy5437 Phone (Maricopa County) 602shy417shy5437
Website httpwwwlahippdhhlouisianagov Phone 1shy888shy695shy2447
COLORADO ndash Medicaid MAINE ndash Medicaid Medicaid Website httpwwwcoloradogov Medicaid Phone (In state) 1shy800shy866shy3513 Medicaid Phone (Out of state) 1shy800shy221shy3943
Website httpwwwmainegovdhhsofipublicshyassistanceindexhtml Phone 1shy800shy977shy6740 TTY 1shy800shy977shy6741
FLORIDA ndash Medicaid MASSACHUSETTS ndash Medicaid and CHIP Website httpswwwflmedicaidtplrecoverycom Phone 1shy877shy357shy3268
Website httpwwwmassgovMassHealth Phone 1shy800shy462shy1120
GEORGIA ndash Medicaid MINNESOTA ndash Medicaid Website httpdchgeorgiagov Click on Programs then Medicaid then Health Insurance Premium Payent (HIPP) Phone 1shy800shy869shy1150
Website httpwwwdhsstatemnus Click on Health Care then Medical Assistance Phone 1shy800shy657shy3629
IDAHO ndash Medicaid and CHIP MISSOURI ndash Medicaid Medicaid Website wwwaccesstohealthinsuranceidahogov Medicaid Phone 1shy800shy926shy2588 CHIP Website wwwmedicaididahogov CHIP Phone 1shy800shy926shy2588
Website httpwwwdssmogovmhdparticipantspageshipphtm Phone 573shy751shy2005
INDIANA ndash Medicaid MONTANA ndash Medicaid Website httpwwwingovfssa Phone 1shy800shy889shy9949
Website httpmedicaidproviderhhsmtgovclientpages clientindexshtml Phone 1shy800shy694shy3084
IOWA ndash Medicaid NEBRASKA ndash Medicaid Website wwwdhsstateiaushipp Phone 1shy888shy346shy9562
Website wwwACCESSNebraskanegov Phone 1shy877shy383shy4278
84
Medicaid and the Childrenrsquos Health Insurance Program (CHIP) Offer Free or LowshyCost Health Coverage to Children and Families
NEVADA ndash Medicaid SOUTH CAROLINA ndash Medicaid Medicaid Website httpdwssnvgov Medicaid Phone 1shy800shy992shy0900
Website httpwwwscdhhsgov Phone 1shy888shy549shy0820
NEW HAMPSHIRE ndash Medicaid SOUTH DAKOTA ndash Medicaid Website httpwwwdhhsnhgovoiidocumentshippapppdf Phone 603shy271shy5218
Website httpdsssdgov Phone 1shy888shy828shy0059
NEW JERSEY ndash Medicaid and CHIP TEXAS ndash Medicaid Medicaid Website httpwwwstatenjushumanservices dmahsclientsmedicaid Medicaid Phone 609shy631shy2392 CHIP Website httpwwwnjfamilycareorgindexhtml CHIP Phone 1shy800shy701shy0710
Website httpswwwgethipptexascom Phone 1shy800shy440shy0493
NEW YORK ndash Medicaid UTAH ndash Medicaid and CHIP Website httpwwwnyhealthgovhealth_caremedicaid Phone 1shy800shy541shy2831
Website httphealthutahgovupp Phone 1shy866shy435shy7414
NORTH CAROLINA ndash Medicaid VERMONTndash Medicaid Website httpwwwncdhhsgovdma Phone 919shy855shy4100
Website httpwwwgreenmountaincareorg Phone 1shy800shy250shy8427
NORTH DAKOTA ndash Medicaid VIRGINIA ndash Medicaid and CHIP Website httpwwwndgovdhsservicesmedicalservmedicaid Phone 1shy800shy755shy2604
Medicaid Website httpwwwdmasvirginiagovrcpshyHIPPhtm Medicaid Phone 1shy800shy432shy5924 CHIP Website httpwwwfamisorg CHIP Phone 1shy866shy873shy2647
OKLAHOMA ndash Medicaid and CHIP WASHINGTON ndash Medicaid Website httpwwwinsureoklahomaorg Phone 1shy888shy365shy3742
Website httphrsadshswagovpremiumpymtApplyshtm Phone 1shy800shy562shy3022 ext 15473
OREGON ndash Medicaid and CHIP WEST VIRGINIA ndash Medicaid Website httpwwworegonhealthykidsgov httpwwwhijossaludablesoregongov Phone 1shy877shy314shy5678
Website wwwdhhrwvgovbms Phone 1shy877shy598shy5820 HMS Third Party Liability
PENNSYLVANIA ndash Medicaid WISCONSIN ndash Medicaid Website httpwwwdpwstatepaushipp Phone 1shy800shy692shy7462
Website httpwwwbadgercareplusorgpubspshy10095htm Phone 1shy800shy362shy3002
RHODE ISLAND ndash Medicaid WYOMING ndash Medicaid Website wwwohhsrigov Phone 401shy462shy5300
Website httphealthwyogovhealthcarefinequalitycare Phone 307shy777shy7531
To see if any more States have added a premium assistance program since January 31 2013 or for more information on special enrollment rights you can contact either
US Department of Labor Employee Benefits Security Administration wwwdolgovebsa 1shy866shy444shyEBSA (3272)
US Department of Health and Human Services Centers for Medicare amp Medicaid Services wwwcmshhsgov 1shy877shy267shy2323 Ext 61565
OMB Control Number 1210shy0137 (expires 09302013)
85
Federal Employees Health Benefits (FEHB) Program
Which family members are eligible
Family members covered under your Self and Family enrollment are
bull Your spouse (including a valid common law marriage) and
bull Children under age 26 including legally adopted children recognized natural children and stepchildren
ndash Foster children are included if they meet certain requirements
ndash A child age 26 or over who is incapable of selfshysupport because of a mental or physical disability that
existed before age 26 is also an eligible family member
Contact your tribal employer for additional information In determining whether the child is a covered
family member your tribal employer will look at the childrsquos relationship to you as an FEHB enrollee
How much does it cost
The premiums for your FEHB enrollment are shared by you and your tribal employer Your tribal employer pays at a minimum the lesser of 72 of the average total premium of all plans weighted by the number of enrollees in each or 75 of the premium for the specific plan you choose If you are a tribal employee of a tribal employer that participates in premium conversion and you have chosen to participate you automatically pay your share of premium through a payroll deduction using preshytax dollars
The charts in Appendix E provide cost information for all plans in the FEHB Program
Please note that the provided rates are the maximum amount you will be required to pay for your premium Your tribal employer may choose to pay a higher portion of your premium Check with your tribal employer for exact rates You may have other outshyofshypocket costs in addition to your premium such as copays coinsurance and deductibles
When can I enroll or change my FEHB enrollment
If you are employed by a tribal employer that has recently elected to purchase health insurance through the FEHB Program you now have an opportunity to enroll in coverage Your tribal employer will provide you with the exact dates of your Initial Enrollment Opportunity and your effective date of coverage
If you chose not to enroll during the Initial Enrollment Opportunity you may also enroll 1) during the annual Open Season held from the Monday of the second full work week in November through the Monday of the second full work week in December (this yearrsquos Open Season is from November 11 through December 9 2013) or 2) if you have a qualifying life event (QLE)
If you participate in premium conversion you may enroll change your enrollment type change plans or cancel outside of Open Season only if you experience a QLE such as a change in family or other insurance coverage status Appendix C contains more specific information about QLEs that permit tribal employees to enroll or change enrollment in the FEHB Program However if you do not participate in premium conversion you may change your enrollment type from Self and Family to Self Only or cancel coverage at any time
How do I enroll or change my FEHB enrollment
You must enroll or change your FEHB enrollment by completing the Health Benefits Election Form (SF 2809) This form is available on our website at wwwopmgovformspdf_fillsf2809pdf You can find information and guidance on the SF 2809 at wwwopmgovhealthcareshyinsuranceindianshytribesreferenceshymaterialsenrollmentshyformshy2809shyemployeeshyguidancepdf Contact your tribal employer for details
4
Temporary Continuation of Coverage (TCC)
This section provides basic information about the Temporary Continuation of Coverage (TCC) provisions of the FEHB Program
What does TCC offer
TCC allows former tribal employees and formerly eligible family members to continue their FEHB Program coverage for a limited period TCC offers the same FEHB coverage and benefits that are available to tribal employees
Who is Eligible for TCC
Individuals eligible for TCC include
bull Former tribal employees whose FEHB coverage ended because they separated from tribal employment (including retirement) unless they were separated for gross misconduct
bull Children who lose coverage under a Self and Family FEHB enrollment of a current or former tribal employee because they are no longer considered eligible family members and
bull Former (divorced) spouses who lose coverage under a Self and Family FEHB enrollment of a current or former tribal employee
Which family members are eligible
Family members covered under your Self and Family TCC enrollment include
bull Your spouse (including a valid common law marriage)
bull Children under age 26 including recognized natural children legally adopted children and
stepchildren Foster children are included if they meet certain requirements
bull Your child age 26 or over who is incapable of selfshysupport because of a mental or physical
disability that existed before age 26
Note In determining whether the child is a covered family member your tribal employer will look at the childrsquos relationship to you as an FEHB enrollee
What TCC enrollment types are available
bull Self Only which only covers the TCC enrollee or
bull Self and Family which covers the TCC enrollee and all eligible family members
Note A former (divorced) spousersquos eligible family members are limited to children of both the tribal employee and the former spouse
5
Temporary Continuation of Coverage (TCC)
How much does it cost Under TCC you pay the total monthly premium (enrolleersquos share plus the tribal employerrsquos share) plus a 2 percent administrative charge The charts in Appendix E provide cost information for all plans in the FEHB Program
When can I enroll
Individuals eligible for TCC generally must enroll within 60 days after the qualifying event permitting enrollment or after receiving notice of eligibility from the tribal employer whichever is later The opportunity to elect TCC ends 60 days after the qualifying event if (1) you do not notify your tribal employer within 60 days of your childrsquos loss of coverage or (2) you or your former (divorced) spouse do not notify your tribal employer within 60 days of your divorce
How do I enroll
You must enroll by completing the Health Benefits Election Form (SF 2809) This form is available on our website at wwwopmgovformspdf_fillsf2809pdf You can find information and guidance on the SF 2809 at wwwopmgovhealthcareshyinsuranceindianshytribesreferenceshymaterialsenrollmentshyformshy2809shyemployeeshyguidancepdf
If you are a former tribal employee contact your tribal employer If you are a child contact the tribal employer of your parent who is the FEHB enrollee If you are a former (divorced) spouse contact the tribal employer of your former spouse
When can I change my TCC enrollment Former tribal employees children andor former (divorced) spouses with an existing TCC enrollment may change their enrollment during the annual Open Season or based upon a qualifying life event (QLE) A QLE is a term defined by OPM to describe events that may allow you to change your FEHB enrollment
A complete listing of QLEs can be found in Table 4 of the Tables of Permissible Changes of the SF 2809 at wwwopmgovformspdf_fillsf2809pdf
Be aware this information only applies to individuals with an existing TCC enrollment and that time limits apply for requesting changes
6
Temporary Continuation of Coverage (TCC)
When does my TCC coverage end
If you are a former tribal employee TCC ends on the date that is 18 months after the date of your separation from tribal employment
If you are a child TCC ends on the date that is 36 months from the date you cease being an eligible family member for FEHB purposes
If you are a former (divorced) spouse TCC ends on the date that is 36 months from the date you cease being an eligible family member for FEHB purposes
Note As a TCC enrollee you may voluntarily cancel your TCC enrollment at any time However once your cancellation takes effect you cannot reenroll in the FEHB Program You will not be entitled to a 31shyday extension of coverage for conversion to a nonshygroup (private) policy Family members who lose coverage upon your cancellation may enroll only if they are eligible for FEHB in their own right as tribal employees
If your TCC enrollment terminates because you acquire other FEHB coverage and that coverage ends before your original TCC eligibility period ends you may reenroll for the time remaining until your original TCC ending date
How do I get more information about TCC
Visit FEHB online at wwwopmgovhealthcareshyinsuranceindianshytribeshealthshyinsurance for more information about Temporary Continuation of Coverage
7
FEHB Program Health Information Technology and PriceCost Transparency
Did You Knowhellip Health Information Technology can improve your health
What is Health Information Technology Health Information Technology (HIT) allows doctors and hospitals to manage medical information and to securely exchange information among patients and providers In a variety of ways HIT has a demonstrated benefit in improving health care quality preventing medical errors reducing costs and decreasing paperwork
What are examples of HIT at work
bull You can go online to review your medical pharmacy and laboratory claims information
bull If you complete a Health Risk Assessment (HRA) your health plan can identify you as a candidate for case management or disease management and offer suggestions on healthy lifestyle strategies and how to reduce or eliminate health risks Health plans can provide you with tips and educational material about good health habits information about routine care that is age and gender appropriate
bull Physicians can have the very best clinical guidelines at their fingertips for managing and treating diseases
bull While with a patient a physician can enter a prescription on a computer where potential allergies and adverse reactions are shown immediately
bull Computer alerts are sent to physicians to remind them of a patientrsquos preventive care needs and to track referrals and test results
One feature of HIT is the Personal Health Record (PHR) The electronic version of your medical records allows you to maintain and manage health information for yourself and your family in a private and secure electronic environment Some health plans include your medical claims data in your PHR which gives a more complete picture of your health status and history
You can also find a PHR on OPMrsquos website at wwwopmgovhealthcareshyinsurancespecialshyinitiativesmanagingshymyshyownshyhealth This PHR is a fillable and downloadable form that you complete yourself and save on your home computer We encourage you to take a look at this PHR option and if you determine it will fulfill your recordshykeeping needs take advantage of this opportunity
Pricecost transparency is another element of health information technology For example many health plans allow you to use online tools that will show what the plan will pay on average for a specific procedure or for a specific prescription drug You can also review healthcare quality indicators for physician and hospital services
The health plans listed on our HIT website at wwwopmgovhealthcareshyinsurancehealthcarereferenceshymaterialsurl=HIT have taken steps to help you become a better consumer of health care and have met OPMrsquos HIT quality and pricecost transparency standards
No one is more responsible for your health care than you ndash HIT tools can help
8
Appendix A FEHB Program Features
No waiting periods You can use your benefits as soon as your coverage becomes effective There are no preshyexisting condition limitations
A choice of coverage You can choose Self Only coverage just for you or Self and Family coverage for you your spouse and children under age 26 Under certain circumstances your FEHB enrollment may cover your disabled child 26 years old or older who is incapable of selfshysupport
A choice of plans and options The FEHB Program offers FeeshyforshyService plans plans offering a PointshyofshyService product Health Maintenance Organizations High Deductible Health Plans and ConsumershyDriven Health Plans
Employing office contributions Your tribal employer pays at a minimum 72 percent of the average premium of all plans toward the total cost of your premium Please check with your tribal employer for exact rates
Salary deductions You pay your share of the premium through a payroll deduction If your tribal employer participates in premium conversion you may choose to pay your share of the FEHB premium with preshytax dollars
Enrollment opportunities Each year you can enroll or change your health plan enrollment during the annual Open Season Open Season runs from the Monday of the second full work week in November to the Monday of the second full work week in December This year Open Season will run from November 11 through December 9 2013 Also certain qualifying life events (QLEs) allow for certain types of changes throughout the year see your tribal employer for details
Continued group coverage The FEHB Program offers continued FEHB coverage bull For you or your family when you move transfer or go on leave without pay or enter military service (certain rules about coverage and premium amounts apply see your tribal employer)
Coverage after FEHB ends The FEHB Program offers temporary continuation of coverage (TCC) and conversion to nonshygroup (private) coverage bull For you and your family if you leave your job or retire bull For your covered child if he or she turns age 26 or bull For your former spouse when you divorce
Coverage for family members if you die Your surviving family members may be eligible to continue coverage as described below bull If you have a Self and Family FEHB enrollment with only a spouse your spouse is eligible for conversion to nonshygroup (private) coverage bull If you have a Self and Family FEHB enrollment with a child or children the child(ren) are eligible for Temporary Continuation of Coverage (TCC) and may cover your spouse Eligible family members may convert to nonshygroup (private) coverage when TCC expires at the end of 36 months
If you lose coverage under the FEHB Program you should automatically receive a Certificate of Group Health Plan Coverage from the last FEHB plan to cover you If not the plan must give you one on request This certificate may be important to qualify for benefits if you join a nonshyFEHB plan
9
Appendix B Choosing an FEHB Plan
What type of health plan is best for you You have some basic questions to answer about how you pay for and access medical care Here are the different types of plans from which to choose
Types of Plans Choice of doctors hospitals pharmacies and other providers
Specialty care Outshyofshypocket costs Paperwork
FeeshyforshyService wPPO (Preferred Provider Organization)
You must use the planrsquos network to reduce your outshyofshypocket costs For BCBS Basic Option you must use Preferred providers for your care to be eligible for benefits
Referral not required to get benefits
You pay fewer costs if you use a PPO provider than if you donrsquot
Some if you donrsquot use network providers
Health Maintenance You generally must Referral generally Your outshyofshypocket Little if any Organization use the planrsquos network
to reduce your outshyofshypocket costs
required from primary care doctor to get benefits
costs are generally limited to copayments
PointshyofshyService You must use the planrsquos network to reduce your outshyofshypocket costs You may go outside the network but you will pay more
Referral generally required to get maximum benefits
You pay less if you use a network provider than if you donrsquot
Little if you use the network You have to file your own claims if you donrsquot use the network
ConsumershyDriven You may use network Referral not required You will pay an Some if you donrsquot use Health Plans and nonshynetwork
providers You will pay more by not using the network
to get maximum benefits from PPOs
annual deductible and costshysharing You pay less if you use the network
network providers You file a claim to obtain reimbursement from your HRA
High Deductible Health Plans wHealth Savings Account (HSA) or Health Reimbursement Arrangement (HRA)
Some plans are network only others pay something even if you do not use a network provider
Referral not required to get maximum benefits from PPOs
You will pay an annual deductible and costshysharing You pay less if you use the network
Some if you donrsquot use network providers If you have an HSA or HRA account you may have to file a claim to obtain reimbursement
10
Appendix B Choosing an FEHB Plan
What should you consider when choosing a plan Having a variety of plans to choose from is a good thing but it can make the process confusing We have a tool on our website that will help you narrow your plan choice based on the benefits that are important to you go to wwwopmgovhealthcareshyinsuranceindianshytribeshealthshyinsurance You can also find help in selecting a plan using tools provided by PlanSmartChoice at wwwplansmartchoicecomregistrationaspx
Ask yourself these questions
1 How much does the plan cost This includes the premium you pay
2 What benefits does the plan cover Make sure the plan covers the services or supplies that are important to you and know its limitations and exclusions
3 What are my outshyofshypocket costs Does the plan charge a deductible (the amount you must first pay before the plan begins to pay benefits) What is the copayment or coinsurance (the amount you share in the cost of the service or supply)
4 Who are the doctors hospitals and other care providers I can use Your costs are lower when you use providers who are part of the plan these are ldquoinshynetworkrdquo providers
5 How well does my plan provide quality care Quality care varies from plan to plan and here are three sources for reviewing quality
bull Member survey results ndash evaluations by current plan members are posted within the health plan benefit charts in this Guide
bull Effectiveness of care ndash how a plan performs in preventing or treating common conditions is measured by the Healthcare Effectiveness Data and Information Set and is found at wwwopmgovhealthcareshyinsurancehealthcareplanshyinformationqualityshyhealthcareshyscores
bull Accreditation ndash evaluations of health plans by independent accrediting organizations Check the cover of your health planrsquos brochure for its accreditation level or go to httpreportcardncqaorgplanexternalplansearchaspx
1111
Appendix B Choosing an FEHB Plan
Definitions
Brand name drug shy A prescription drug that is protected by a patent supplied by a single company and marketed under the manufacturerrsquos brand name
Coinsurance shy The amount you pay as your share for the medical services you receive such as a doctorrsquos visit Coinsurance is a percentage of the planrsquos allowance for the service (you pay 20 for example)
Copayment shy The amount you pay as your share for the medical services you receive such as a doctorrsquos visit A copayment is a fixed dollar amount (you pay $15 for example)
Deductible shy The dollar amount of covered expenses an individual or family must pay before the plan begins to pay benefits There may be separate deductibles for different types of services For example a plan can have a prescription drug benefit deductible separate from its calendar year deductible
Formulary or Prescription Drug List shy A list of both generic and brand name drugs often made up of different costshysharing levels or tiers that are preferred by your health plan Health plans choose drugs that are medically safe and cost effective A team including pharmacists and physicians determines the drugs to include in the formulary
Generic Drug shy A generic medication is an equivalent of a brand name drug A generic drug provides the same effectiveness and safety as a brand name drug and usually costs less A generic drug may have a different color or shape than the brand name but it must have the same active ingredients strength and dosage form (pill liquid or injection)
InshyNetwork shy You receive treatment from the doctors clinics health centers hospitals medical practices and other providers with whom your plan has an agreement to care for its members
OutshyofshyNetwork shy You receive treatment from doctors hospitals and medical practitioners other than those with whom the plan has an agreement at additional cost Members who receive services outside the network may pay all charges
Premium Conversion shy Premium conversion allows tribal employees who are eligible for FEHB the opportunity to pay their share of FEHB premiums with preshytax dollars In order for tribal employees to participate in premium conversion their tribal employer must have a premium conversion plan Premium conversion plans are governed by the Internal Revenue Code and IRS rules govern when participants may change their enrollment or cancel outside of the annual Open Season
Provider shy A doctor hospital health care practitioner pharmacy or health care facility
Qualifying Life Events shy An event that may allow enrollees in the FEHB Program to change their health benefits enrollment outside of an Open Season These events also apply to tribal employees under premium conversion and include events such as change in family status or change in employment status
Additional definitions are located at the beginning of the sections introducing the different types of health plans
12
Appendix C Qualifying Life Events
Note This information does not apply to individuals who have a Temporary Continuation of Coverage (TCC) FEHB enrollment Please see the TCC section of this Guide if you are a current TCC enrollee
Qualifying Life Events
A qualifying life event (QLE) is a term defined by OPM to describe events that may allow a tribal employee to enroll in the FEHB Program make changes to hisher FEHB enrollment or make changes to hisher premium conversion participation if applicable
Outside of Open Season you can make changes to your FEHB enrollment if you experience certain QLEs The most common QLEs for changing FEHB enrollment type or plan are marriage acquiring a child moving away from the service area of your Health Maintenance Organization (HMO) losing health insurance coverage or changing employment status Your eligibility to make certain changes to your FEHB enrollment will depend upon whether or not you participate in premium conversion
Tribal Employees who Participate in Premium Conversion
Premium conversion allows tribal employees who are eligible for FEHB the opportunity to pay their share of FEHB premiums with preshytax dollars Your tribal employer may choose whether or not to have a premium conversion plan If your tribal employer has a premium conversion plan you may choose to participate or not participate If your tribal employer does not have a premium conversion plan you may not participate
Premium conversion plans are governed by the Internal Revenue Code and IRS rules govern when you may change your FEHB enrollment or premium conversion status outside of the annual Open Season If you experience a QLE you may change your FEHB enrollment (including a change to Self Only or cancellation) provided the action is consistent with the QLE
If you participate in premium conversion please refer to QLE Table 1 of the Standard Form (SF) 2809 at wwwopmgovformspdf_fillsf2809pdf for detailed information If you need assistance in accessing the SF 2809 or have additional questions please contact your tribal employer
Tribal Employees who do not Participate in Premium Conversion
If your tribal employer does not have a premium conversion plan or if they have a plan and you choose not to participate you are not subject to IRS rules for when you can make certain changes to your FEHB enrollment However you are subject to OPM rules for employees who do not participate in premium conversion
An important difference is that a tribal employee who does not participate in premium conversion may cancel hisher FEHB enrollment or change from a Self and Family to a Self Only enrollment at any time
If you do not participate in premium conversion please refer to QLE Table 5 of the SF 2809 at wwwopmgovformspdf_fillsf2809pdf for detailed information If you need assistance in accessing the SF 2809 or have additional questions please contact your tribal employer
13
Appendix D FEHB Member Survey Results
Each year FEHB plans with 500 or more subscribers mail the Consumers Assessment of Healthcare Providers and Systems (CAHPS)1 to a random sample of plan members For Health Maintenance Organizations (HMO)PointshyofshyService (POS) and High Deductible Health Plans (HDHP) and ConsumershyDriven Health Plans (CDHP) the sample includes all commercial plan members including nonshyFederal members For FeeshyforshyService (FFS)Preferred Provider Organization (PPO) plans the sample includes Federal members only The CAHPS survey asks questions to evaluate membersrsquo satisfaction with their health plans Independent vendors certified by the National Committee for Quality Assurance administer the surveys
OPM reports each planrsquos scores on the various survey measures by showing the percentage of satisfied members on a scale of 0 to 100 Also we list the national average for each measure Since we offer HMO plans FFSPPO plans HDHP and CDHP plans we compute a separate national average for each plan type
Survey findings and member ratings are provided for the following key measures of member satisfaction
bull Overall Plan Satisfaction ndash This measure is based on the question ldquoUsing any number from 0 to 10 where 0 is the worst health plan possible and 10 is the best health plan possible what number would you use to rate your health planrdquo We report the percentage of respondents who rated their plan 8 or higher
bull Getting Needed Care ndash How often was it easy to get an appointment the care tests or treatment you thought you needed through your health plan
bull Getting Care Quickly ndash When you needed care right away how often did you get care as soon as you thought you needed Not counting the times you needed care right away how often did you get an appointment at a doctors office or clinic as soon as you wanted
bull How Well Doctors Communicate ndash How often did your personal doctor explain things in a way that was easy to understand How often did your personal doctor listen carefully to you show respect for what you had to say and spend enough time with you
bull Customer Service ndash How often did your health planrsquos customer service department give you the information or help you needed How often did your health planrsquos customer service staff treat you with courtesy and respect How often were the forms from your health plan easy to fill out
bull Claims processing ndash How often did your health plan handle your claims quickly and correctly
bull Plan Information on Costs ndash How often were you able to find out from your health plan how much you would have to pay for a health care service or equipment or for specific prescription drug medicines
In evaluating plan scores you can compare individual plan scores against other plans and against the national averages Generally new plans and those with fewer than 500 FEHB subscribers do not conduct CAHPS Therefore some of the plans listed in the Guide will not have survey data 1 CAHPS is a registered trademark of the Agency for Healthcare Research and Quality (AHRQ)
14
Appendix E FEHB Plan Comparison Charts
Nationwide FeeshyforshyService Plans (Pages 16 through 19)
FeeshyforshyService (FFS) plans with a Preferred Provider Organization (PPO) ndash A FeeshyforshyService plan provides flexibility in using medical providers of your choice You may choose medical providers who have contracted with the health plan to offer discounted charges You may also choose medical providers who do not contract with the plan but you will pay more of the cost
Medical providers who have contracts with the health plan (Preferred Provider Organization or PPO) have agreed to accept the health planrsquos reimbursement You usually pay a copayment or a coinsurance amount and do not file claims or other paperwork Going to a PPO hospital does not guarantee PPO benefits for all services received in the hospital however Lab work radiology and other services from independent practishytioners within the hospital are frequently not covered by the hospitalrsquos PPO agreement If you receive treatshyment from medical providers who are not contracted with the health plan you either pay them directly and submit a claim for reimbursement to the health plan or the health plan pays the provider directly according to plan coverage and you pay a deductible coinsurance or the balance of the billed charge In any case you pay a greater amount in outshyofshypocket costs
PPOshyonly ndash A PPOshyonly plan provides medical services only through medical providers that have contracts with the plan With few exceptions there is no medical coverage if you or your family members receive care from providers not contracted with the plan
FeeshyforshyService plans open only to specific groups ndash Several FeeshyforshyService plans that are sponshysored or underwritten by an employee organization strictly limit enrollment to persons who are members of that organization If you are not certain if you are eligible check with your human resources office first
The Health Maintenance Organization (HMO) and PointshyofshyService (POS) section begins on page 21
The High Deductible Health Plan (HDHP) and ConsumershyDriven Health Plan (CDHP) section begins on page 60
Please note that the premium rates provided are the maximum amount you will be expected to pay for your premium Your tribal employer may choose to pay a higher portion of your premium Please check with your tribal employer for exact rates
The tables on the following pages highlight selected features that may help you narrow your choice of health plans The tables do not show all of your possible outshyofshypocket costs All benefits are subject to the definitions limitations and exclusions set forth in each planrsquos Federal brochure which is the official statement of benefits available under the planrsquos contract with the Office of Personnel Management Always consult plan brochures before making your final decision
15
Nationwide FeeshyforshyService Plans
How to read this chart
The table below highlights selected features that may help you narrow your choice of health plans Always consult plan brochures before making your final decision The chart does not show all of your possible outshyofshypocket costs
The Deductibles shown are the amount of covered expenses that you pay before your health plan begins to pay
Calendar Year deductibles for families are two or more times the per person amount shown
In some plans your combined Prescription Drug purchases from Mail Order and local pharmacies count toward the deductible In other plans only purchases from local pharmacies count Some plans require each family member to meet a per person deductible
The Hospital Inpatient deductible is what you pay each time you are admitted to a hospital
Doctors shows what you pay for inpatient surgical services and for office visits
Your share of Hospital Inpatient Room and Board covered charges is shown
Your Maximum Monthly Premium is the maximum amount you will pay for your premium Your tribal employer may choose to pay a higher portion of your premium Check with your tribal employer for exact rates
Temporary Continuation of Coverage (TCC) allows former tribal employees and formerly eligible family members to continue their FEHB coverage for a limited period Under TCC you pay the total monthly premium (enrolleersquos share plus the tribal employerrsquos share) plus a 2 administrative charge which equals 102 of Total Monthly Premium
Plan Name Open to All Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your
Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
APWU Health Plan (APWU) shyhigh
Blue Cross and Blue Shield Service Benefit Plan (BCBS) shystd
Blue Cross and Blue Shield Service Benefit Plan (BCBS) shybasic
GEHA Benefit Plan (GEHA) shyhigh
GEHA Benefit Plan (GEHA) shystd
MHBP shystd
MHBP shyValue Plan
NALC shyhigh
NALC Value Option
SAMBA shyhigh
SAMBA shystd
800shy222shy2798
Local phone
Local phone
800shy821shy6136
800shy821shy6136
800shy410shy7778
800shy410shy7778
888shy636shy6252
888shy636shy6252
800shy638shy6589
800shy638shy6589
471
104
111
311
314
454
414
321
KM1
441
444
472
105
112
312
315
455
415
322
KM2
442
445
13670
19028
13209
20317
10418
20913
11302
16122
9001
27523
13171
30910
44412
30930
48310
23691
50565
26946
32727
19546
70356
30081
55776
62875
53893
64190
42505
64798
46114
59911
36724
71540
53739
126114
142015
126195
145991
96659
148291
109939
130096
79748
168477
122733
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
16
Prescription Drugs ndash Prescription Drug Payment Levels shy Plans use terms such as Level (L I L II) or Tier (T1 T2) to show what you pay for generic or brand name prescription drugs The payment levels that plans use follow L I or Tier 1 includes generic drugs but may include some preferred brands L II or Tier 2 includes preferred brands and may include some generics L III or Tier 3 includes nonshypreferred brands other covered drugs and with some exceptions specialty drugs L IV or Tier 4 includes mostly preferred specialty drugs L V or Tier 5 generally includes nonshypreferred specialty drugs
Mail Order Discounts ndash If your plan has a Mail Order program (typically for maintenance drugs) and its response is ldquoYesrdquo in general its Mail Order program is superior to its retail pharmacy benefit (eg you obtain a greater quantity for less cost than retail pharmacy purchases) If your plan does not have a Mail Order program or it does not offer a superior benefit to retail pharshymacy purchases the response will be ldquoNordquo
The prescription drug copayments or coinsurances described in this chart do not represent the complete range of costshysharing under these plans Many plans have variations in their prescription drug benefits (eg you pay the greater of a dollar amount or a percentage or you pay one amount for your first prescription and then a different amount for refills) You must read the plan brochure for a complete description of prescription drug and all other benefits
MedicalshySurgical ndash You Pay
Copay ($)Coinsurance ()
Plan
APWU shyhigh
BCBS shystd
BCBS shybasic
GEHA shyhigh
GEHA shystd
MHBP shystd
MHBP shyvalue
NALC shyhigh
NALC shyValue
SAMBA shyhigh
SAMBA shystd
Benefit Type
Per Person
Calendar Year
Prescription Drug
Hospital Inpatient
Do
Office Visits
ctors
Inpatient Surgical Services
Hospital Inpatient
RampB Level I
Prescription Drugs
Level II Level III
PPO $275 None None $18 10 10 $8 2525 Yes NonshyPPO $500 None $300 30+diff 30+diff 30 50 5050 Yes
PPO $350 None $250 $20 15 Nothing 2015 Medicare B T2 30$80 T3 45$105 Yes NonshyPPO $350 None $350 + 35+ 35+ 35+ Nothing 45+ T1shyT5 T4 30$35$95 T5 30$55$155 Yes
PPO None None $175day $875 Max $25 $200 Nothing $1030day $3090day T2 $45 T3 50($55Min) T4 $50to$140 T5 $70to$195
NA
PPO $350 None $100 $20 10 Nothing $10 25 Max $150NA Yes NonshyPPO $350 None $300 25 25 Nothing $10 25 Max $150 +NA Yes
PPO $350 None None $10 15 15 $10 50 Max $200NA Yes NonshyPPO $350 None None 35 35 35 $10 50 Max $200 +NA Yes
PPO $400 None $200 $20 10 Nothing $5 30($200 max)50($200 max) Yes NonshyPPO $600 None $500 30 30 30 50 5050 Yes
PPO $600 None None $30 20 20 $10 4575 Yes NonshyPPO $900 Not Covered None 40 40 40 Not Covered Not Covered Yes
PPO $300 None $200 $20 15 Nothing 20 3045 Yes NonshyPPO $300 None $350 30 30 30 45+ 45+45+ Yes
NonshyPPO $4000 None 50 50 50 50 50 5050+ No PPO $2000 None 20 20 20 20 $10 $40$60 No
PPO $300 None $200 $20 10 Nothing $8 20($55 max)35($100 max) Yes NonshyPPO $300 None $300 30 30 30 $8 20($55 max)35($100 max) Yes
PPO $350 None $150 up to $450 $20 15 Nothing $8 30($70 max)40($110 max) Yes NonshyPPO $350 None $200 up to $600 35 35 35 $8 30($70 max)40($110 max) Yes
Deductible
Mail Order Discounts
17
Nationwide FeeshyforshyService Plans
Member Survey results are collected scored and reported by an independent organization ndash not by the health plans See Appendix D for a fuller explanation of each survey category
Overall Plan Satisfaction bull How would you rate your overall experience with your health plan
Getting Needed Care bull How often was it easy to get an appointment the care tests or treatment you thought you needed through your health plan
Getting Care Quickly bull When you needed care right away how often did you get care as soon as you thought you needed bull Not counting the times you needed care right away how often did you get an appointment at a doctorrsquos office or clinic as soon as you thought you needed
How Well Doctors bull How often did your personal doctor explain things in a way that was easy to understand Communicate bull How often did your personal doctor listen carefully to you show respect for what you had to say and spend enough time with you
Customer Service bull How often did written materials or the Internet provide the information you needed about how your health plan works bull How often did your health planrsquos customer service give you the information or help you needed bull How often were the forms from your health plan easy to fill out
Claims Processing bull How often did your health plan handle your claims quickly and correctly
Plan Information on Costs bull How often were you able to find out from your health plan how much you would have to pay for a health care service or equipment or for specific prescription drug medicines
APWU Health Plan shyhigh
Blue Cross and Blue Shield Service Benefit Plan shystd
Blue Cross and Blue Shield Service Benefit Plan shybasic
GEHA Benefit Plan shyhigh
GEHA Benefit Plan shystd
MHBP shystd
MHBP shyValue Plan
NALC shyhigh
NALC shyValue Option
SAMBA shyhigh
SAMBA shystd
Plan Name Open to All
FFS National A
Member Survey Results
47 47
10 10
11
31 31
31 31
45 45
41 41
32 32
KM KM
44 44
44 44
Plan Code
verage 805
772
835
757
838
725
84
63
856
897
816
Overall plan satisfaction
927
927
946
896
934
907
938
908
936
947
93
Getting needed care
917
935
917
891
922
895
916
857
922
943
905
Getting care quickly
951
951
955
95
961
949
935
929
959
96
956
How well doctors
communicate
911
89
926
921
912
875
906
866
934
946
911
Customer service
934
921
956
936
929
926
954
887
965
953
946
Claims processing
716
682
703
643
699
688
696
636
771
789
757
Plan Information on Costs
18
FeeshyforshyService Plans ndash Blue Cross and Blue Shield Service Benefit Plan ndash Member Survey Results for Select States
Again this year we are providing more detailed information regarding the quality of services provided by our health plans We are including the results of the Member Satisfaction survey at the state level for eight local Blue Cross Blue Shield (BCBS) Plans
Plan Name Location
Member Survey Results
Plan Code
Overall plan satisfaction
Getting needed care
Getting care quickly
How well doctors
communicate Customer service
Claims processing
Plan Inforshymation on Costs
FFS National Average 805 927 917 951 911 934 716
Blue Cross and Blue Shield Service shy Standard Benefit Plan shy Basic
Arizona 10 11
851 747
905 898
919 884
933 923
938 914
969 928
724 680
Blue Cross and Blue Shield Service shy Standard Benefit Plan shy Basic
California 10 11
809 705
915 873
897 840
954 943
881 910
937 912
677 616
Blue Cross and Blue Shield Service shy Standard Benefit Plan shy Basic
District of Columbia 10 11
768 691
935 893
930 874
951 940
882 881
898 922
657 622
Blue Cross and Blue Shield Service shy Standard Benefit Plan shy Basic
Florida 10 11
864 806
942 916
922 894
952 947
934 916
954 937
733 660
Blue Cross and Blue Shield Service shy Standard Benefit Plan shy Basic
Illinois 10 11
861 796
933 912
934 881
955 950
901 936
972 938
712 653
Blue Cross and Blue Shield Service shy Standard Benefit Plan shy Basic
Maryland 10 11
857 770
931 897
917 898
954 940
897 921
956 967
713 666
Blue Cross and Blue Shield Service shy Standard Benefit Plan shy Basic
Texas 10 11
887 825
934 898
931 883
950 955
936 910
957 967
721 617
Blue Cross and Blue Shield Service shy Standard Benefit Plan shy Basic
Virginia 10 11
871 782
924 901
929 894
966 962
914 917
959 960
708 681
19
The tables on the following pages highlight selected features that may help you narrow your choice of health plans The tables do not show all of your possible outshyofshypocket costs All benefits are subject to the definitions limitations and exclusions set forth in each planrsquos Federal brochure which is the official statement of benefits available under the planrsquos contract with the Office of Personnel Management Always consult plan brochures before making your final decision
20
Appendix E FEHB Plan Comparison Charts
Health Maintenance Organization Plans and Plans Offering a PointshyofshyService Product
(Pages 22 through 59)
Health Maintenance Organization (HMO) ndash A Health Maintenance Organization provides care through a network of physicians and hospitals in particular geographic or service areas HMOs coordinate the health care service you receive and free you from completing paperwork or being billed for covered services Your eligibility to enroll in an HMO is determined by where you live or for some plans where you work bull The HMO provides a comprehensive set of services ndash as long as you use the doctors and hospitals affiliated with the HMO
HMOs charge a copayment for primary physician and specialist visits and sometimes a copayment for inshyhospital care bull Most HMOs ask you to choose a doctor or medical group as your primary care physician (PCP) Your PCP provides your
general medical care In many HMOs you must get authorization or a ldquoreferralrdquo from your PCP to see other providers The referral is a recommendation by your physician for you to be evaluated andor treated by a different physician or medical professional The referral ensures that you see the right provider for the care appropriate to your condition
bull Medical care from a provider not in the planrsquos network is not covered unless itrsquos emergency care or your plan has an arrangement with another plan
Plans Offering a PointshyofshyService (POS) Product ndash A PointshyofshyService plan is like having two plans in one ndash an HMO and an FFS plan A POS allows you and your family members to choose between using (1) a network of providers in a designated service area (like an HMO) or (2) OutshyofshyNetwork providers (like an FFS plan) When you use the POS network of providers you usually pay a copayment for services and do not have to file claims or other paperwork If you use nonshyHMO or nonshyPOS providers you pay a deductible coinsurance or the balance of the billed charge In any case your outshyofshypocket costs are higher and you file your own claims for reimbursement
The tables on the following pages highlight what you are expected to pay for selected features under each plan Always consult plan brochures before making your final decision
Primary careSpecialist office visit copay ndash Shows what you pay for each office visit to your primary care doctor and specialist Contact your plan to find out what providers it considers specialists
Hospital per stay deductible ndash Shows the amount you pay when you are admitted into a hospital
Prescription drugs ndash Prescription Drug Payment Levels shy Plans use terms such as Level (L I L II) or Tier (T1 T2) to show what you pay for generic or brand name prescription drugs The payment levels that plans use follow L I or Tier 1 includes generic drugs but may include some preferred brands L II or Tier 2 includes preferred brands and may include some generics L III or Tier 3 includes nonshypreferred brands other covered drugs and with some exceptions specialty drugs L IV or Tier 4 includes mostly preferred specialty drugs L V or Tier 5 generally includes nonshypreferred specialty drugs
Mail Order Discounts ndash If your plan has a Mail Order program (typically for maintenance drugs) and its response is ldquoYesrdquo in general its Mail Order program is superior to its retail pharmacy benefit (eg you obtain a greater quantity for less cost than retail pharmacy purchases) If your plan does not have a Mail Order program or it does not offer a superior benefit to retail pharmacy purchases the response will be ldquoNordquo
Member Survey Results ndash See Appendix D for a description
Temporary Continuation of Coverage (TCC) ndash Allows former tribal employees and formerly eligible family members to continue their FEHB coverage for a limited period Under TCC you pay the total monthly premium (enrolleersquos share plus the tribal employerrsquos share) plus a 2 administrative charge which equals 102 of Your Total Monthly Premium
Your maximum monthly premium is the maximum amount you will be expected to pay for your premium Your tribal employer may choose to pay a higher portion of your premium Please check with your tribal employer for exact rates
21
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Alabama
Aetna Value Planshy Most of Alabama 877shy459shy6604
Alaska
Aetna Value Planshy Most of Alaska 877shy459shy6604
Arizona
Aetna Value Planshy All of Arizona 877shy459shy6604
Aetna Open Access shyHighshy Phoenix and Tucson Areas 877shy459shy6604
Health Net of Arizona Inc shyHighshy MaricopaPimaOther AZ counties 800shy289shy2818
Health Net of Arizona Inc shyStdshy MaricopaPimaOther AZ counties 800shy289shy2818
Humana Health Plan Inc shyHighshy Phoenix 888shy393shy6765
Humana Health Plan Inc shyStdshy Phoenix 888shy393shy6765
Humana Health Plan Inc shyHighshy Tucson 888shy393shy6765
Humana Health Plan Inc shyStdshy Tucson 888shy393shy6765
Arkansas
Aetna Value Planshy Most of Arkansas 877shy459shy6604
QualChoice shyHighshy All of Arkansas 800shy235shy7017
QualChoice shyStdshy All of Arkansas 800shy235shy7017
F54 F55
JS4 JS5
G54 G55
WQ1 WQ2
A71 A72
A74 A75
BF1 BF2
BF4 BF5
C71 C72
C74 C75
F54 F55
DH1 DH2
DH4 DH5
13058 29656
17258 41140
12822 29119
33482 89188
26548 80303
19509 62476
13880 30882
12491 27794
15825 35210
13149 29256
13058 29656
30353 76056
14296 38452
53279 120995
61069 138677
52315 118808
77618 187686
70545 178623
63365 160440
56629 125999
50965 113400
59608 132629
53648 119367
53279 120995
74426 174291
58048 135935
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
22
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay
deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How
well
doctors
communicate
Customer
service
Claims
processing
Plan
Information
on
Costs
Alabama
Aetna Value Plan InshyNetwork $25$40 20 $10
HMOPOS Nationa
30to$60050 to$1200 Yes
l Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Alaska
Aetna Value Plan InshyNetwork
4040
$25$40
40
20
50+
$10
50+50+
30to$60050 to$1200
No
Yes Aetna Value Plan OutshyNetwork
Arizona
Aetna Value Plan InshyNetwork
4040
$25$40
40
20
50+
$10
50+50+
30to$60050 to$1200
No
Yes Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Health Net of Arizona IncshyHigh
Health Net of Arizona IncshyStandard
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
Arkansas
Aetna Value Plan InshyNetwork
4040
$20$35
$20$40
$25$50
$20$35
$25$40
$20$35
$25$40
$25$40
40
$250day x 4
$250dayx5
25
$250day x 3
$500day x 3
$250day x 3
$500day x 3
20
50+
$10
$10
$10
$10
$10
$10
$10
$10
50+50+
$35$100
$3050
$4050
$40$60
$40$60
$40$60
$40$60
30to$60050 to$1200
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
602
676
676
838
888
888
861
843
843
923
939
939
849
884
884
918
921
921
636
686
686
Aetna Value Plan OutshyNetwork
QualChoice InshyNetwork
QualChoice OutshyNetwork
QualChoice InshyNetwork
4040
$20$30
4040
$20$40
40
$100max$500
40
$200max$1000
50+
$0
NA
$5
50+50+
$40$60
NA
$40$60
No
Yes
NA
Yes
23
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
California
Aetna Value Planshy Most of California 877shy459shy6604
Aetna HMO shy Los Angeles and San Diego Areas 877shy459shy6604
Anthem Blue Cross Select HMO shyHighshy Southern California 800shy235shy8631
Blue Shield of CA Access+HMO shyHighshy Southern Region 800shy880shy8086
Health Net of California shyHighshy Northern Region 800shy522shy0088
Health Net of California shyStdshy Northern Region 800shy522shy0088
Health Net of California shyHighshy Southern Region 800shy522shy0088
Health Net of California shyStdshy Southern Region 800shy522shy0088
Kaiser Foundation Health Plan shy Basic Option shy Northern California 800shy464shy4000
Kaiser Foundation Health Plan of California shyHighshy Northern California 800shy464shy4000
Kaiser Foundation Health Plan of California shyStdshy Northern California 800shy464shy4000
Kaiser Foundation Health Plan of California shyHighshy Southern California 800shy464shy4000
Kaiser Foundation Health Plan of California shyStdshy Southern California 800shy464shy4000
UnitedHealthcare of California shyHighshy Central and Southern California 866shy546shy0510
UnitedHealthcare of California shyStdshy Central and Southern California 866shy546shy0510
Colorado
Aetna Value Planshy All of Colorado 877shy459shy6604
Kaiser Foundation Health Plan of Colorado shyHighshy DenverBoulderSouthern Colorado areas 800shy632shy9700
Kaiser Foundation Health Plan of Colorado shyStdshy DenverBoulderSouthern Colorado areas 800shy632shy9700
Connecticut
Aetna Value Planshy All of Connecticut 877shy459shy6604
Delaware
Aetna Value Planshy All of Delaware 877shy459shy6604
Aetna Open Access shyHighshy KentNew CastleSussex areas 877shy459shy6604
Aetna Open Access shyBasicshy KentNew CastleSussex areas 877shy459shy6604
JS4 JS5
2X1 2X2
B31 B32
SI1 SI2
LB1 LB2
LB4 LB5
LP1 LP2
LP4 LP5
KC1 KC2
591 592
594 595
621 622
624 625
CY1 CY2
CY4 CY5
G54 G55
651 652
654 655
EP4 EP5
EP4 EP5
P31 P32
P34 P35
17258 41140
15940 41769
18194 43825
18445 42566
77474 182834
71405 168807
30687 74663
27027 66198
18293 47705
35345 91275
22772 58183
14073 35293
9019 20845
22819 54699
13109 30036
12822 29119
23933 55581
9887 22345
12694 28827
12694 28827
64801 164359
49560 118027
61069 138677
59725 139319
62024 141416
62280 140132
122490 283205
116299 268898
74767 172871
71034 164236
62125 145373
79518 189815
66694 156061
57420 132713
36797 85048
66742 152507
53485 122549
52315 118808
67878 153407
40339 91170
51792 117616
51792 117616
109563 264361
94017 217102
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
24
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay
deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How
well
doctors
communicate
Customer
service
Claims
processing
Plan
Information
on
Costs
California
Aetna Value Plan InshyNetwork $25$40 20 $10
HMO
30to$60050 to$1200
POS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Anthem Blue Cross Select HMOshyHigh
Blue Shield of CA Access+HMOshyHigh
Health Net of CaliforniashyHigh
Health Net of CaliforniashyStandard
Health Net of CaliforniashyHigh
Health Net of CaliforniashyStandard
Kaiser Foundation HP shy Basic Option
Kaiser Foundation HP of CaliforniashyHigh
Kaiser Foundation HP of CaliforniashyStandard
Kaiser Foundation HP of CaliforniashyHigh
Kaiser Foundation HP of CaliforniashyStandard
UnitedHealthcare of CaliforniashyHigh
UnitedHealthcare of CaliforniashyStandard
Colorado
Aetna Value Plan InshyNetwork
4040
$20$35
$25$35
$20$30
$20$30
$30$50
$20$30
$30$50
$25$35
$15$25
$30$40
$15$25
$30$40
$20$35
$25$40
$25$40
40
$250day x 4
$250max4days
$200 x 3 days
$150dayx5
$750
$150dayx5
$750
20
$250
$500
$250
$500
$150day x 4
30
20
50+
$10
$5$40$60
$10
$10
$15
$10
$15
$15
$10
$15
$10
$15
$10
$10
$10
50+50+
$35$100
$5$40$70$60
$3550
$35$60
$35$65
$35$60
$35$65
$35$35
$30$30
$35$35
$30$30
$35$35
$35$60
$25$50
30to$60050 to$1200
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
579
726
67
67
67
67
798
798
833
833
701
701
766
844
816
816
816
816
884
884
828
828
80
80
781
802
81
81
81
81
848
848
807
807
804
804
896
937
93
93
93
93
925
925
932
932
923
923
769
90
831
831
831
831
872
872
878
878
825
825
849
855
841
841
841
841
793
793
771
771
889
889
648
646
638
638
638
638
63
63
687
687
57
57
Aetna Value Plan OutshyNetwork
Kaiser Foundation HP of ColoradoshyHigh
Kaiser Foundation HP of ColoradoshyStandard
Connecticut
Aetna Value Plan InshyNetwork
4040
$20$40
$20$40
$25$40
40
$250x3
10
20
50+
$10
$15
$10
50+50+
$35$60
$40$80
30to$60050 to$1200
No
Yes
Yes
Yes
722
722
884
884
873
873
936
936
876
876
879
879
622
622
Aetna Value Plan OutshyNetwork
Delaware
Aetna Value Plan InshyNetwork
4040
$25$40
40
20
50+
$10
50+50+
30to$60050 to$1200
No
Yes Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Aetna Open AccessshyBasic
4040
$20$35
$15$35
40
$250day x 4
20 Plan Allow
50+
$10
$5
50+50+
$35$100
$35$100
No
Yes
Yes
602
602
862
862
855
855
972
972
865
865
872
872
618
618
25
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
District of Columbia
Aetna Value Plan shy All of Washington DC
Aetna Open Access shyHighshy Washington DC Area
Aetna Open Access shyBasicshy Washington DC Area
CareFirst BlueChoice shyHighshy Washington DC Metro Area
CareFirst BlueChoice shyStdshy Washington DC Metro Area
Kaiser Foundation Health Plan MidshyAtlantic States shyHighshy Washington DC area
Kaiser Foundation Health Plan MidshyAtlantic States shyStdshy Washington DC area
MD IPA shyHighshy Washington DC area
Florida
Aetna Value Plan shy Most of Florida
AvMed Health Plans shyHighshy Broward Dade and Palm Beach
AvMed Health Plans shyStdshy Broward Dade and Palm Beach
Capital Health Plan shyHighshy Tallahassee area
Coventry Health Plan of Florida shyHighshy Southern Florida
Coventry Health Plan of Florida shyStdshy Southern Florida
Humana Value Plan shy Tampa Area
Humana Value Plan shy South Florida Area
Humana Medical Plan Inc shyHighshy Orlando
Humana Medical Plan Inc shyStdshy Orlando
Humana Medical Plan Inc shyHighshy South Florida
Humana Medical Plan Inc shyStdshy South Florida
Humana Medical Plan Inc shyHighshy Daytona
Humana Medical Plan Inc shyStdshy Daytona
Humana Medical Plan Inc shyHighshy Tampa
Humana Medical Plan Inc shyStdshy Tampa
877shy459shy6604
877shy459shy6604
877shy459shy6604
888shy789shy9065
888shy789shy9065
877shy574shy3337
877shy574shy3337
877shy835shy9861
877shy459shy6604
800shy882shy8633
800shy882shy8633
850shy383shy3311
800shy441shy5501
800shy441shy5501
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
F54 F55
JN1 JN2
JN4 JN5
2G1 2G2
2G4 2G5
E31 E32
E34 E35
JP1 JP2
F54 F55
ML1 ML2
ML4 ML5
EA1 EA2
5E1 5E2
5E4 5E5
MJ4 MJ5
QP4 QP5
E21 E22
E24 E25
EE1 EE2
EE4 EE5
EX1 EX2
EX4 EX5
LL1 LL2
LL4 LL5
13058 29656
46867 105610
14021 31351
21177 48693
15284 35429
16926 42124
9646 22186
20245 50123
13058 29656
20336 56279
12604 30253
11679 30949
16664 47450
12501 30003
10247 22697
10247 22697
13149 29256
11834 26331
23153 51514
15825 35210
13880 30882
12491 27794
48720 108398
15825 35208
53279 120995
91271 204437
57208 127913
65067 146381
59056 132852
60731 139681
39358 90520
64116 147840
53279 120995
64209 154119
51424 123431
47650 126273
60464 145113
51005 122414
41809 92606
41809 92606
53648 119367
48282 107430
67082 149259
59608 132629
56629 125999
50965 113400
93161 207280
59608 132627
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
26
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay
deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How
well
doctors
communicate
Customer
service
Claims
processing
Plan
Information
on
Costs
District of Columbia
Aetna Value Plan InshyNetwork $25$40 20 $10
HMOPOS Nationa
30to$60050 to$1200 Yes
l Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Aetna Open AccessshyBasic
CareFirst BlueChoiceshyHigh
CareFirst BlueChoice InshyNetwork
4040
$15$30
$20$35
$25$35
Nothing$35
40
$150day x3
10 Plan Allow
$200
$200
50+
$5
$10
Nothing
Nothing
50+50+
$35$100
$35$100
$35$65
$35$65
No
Yes
Yes
Yes
Yes
69
69
648
648
844
844
86
86
872
872
833
833
942
942
925
925
865
865
846
846
914
914
902
902
567
567
54
54 CareFirst BlueChoice OutshyNetwork
Kaiser Foundation HP MidshyAtlantic StatesshyHigh
Kaiser Foundation HP MidshyAtlantic StatesshyStandard
MD IPAshyHigh
Florida
Aetna Value Plan InshyNetwork
$70$70
$10$20
$20$30
$25$40
$25$40
$500
$100
$250dayx3
$150day x 3
20
Nothing
$7$17 Net
$12$22Net
$7
$10
$35$65
$30$50$45$65
$35$55$50$70
$30$60
30to$60050 to$1200
Yes
Yes
Yes
Yes
Yes
83
83
583
867
867
846
831
831
876
927
927
937
813
813
867
836
836
841
702
702
677
Aetna Value Plan OutshyNetwork
AvMed Health PlansshyHigh
AvMed Health PlansshyStandard
Capital Health PlanshyHigh
Coventry Health Plan of FloridashyHigh
Coventry Health Plan of FloridashyStandard
Humana Value Plan InshyNetwork
4040
$15$40
$25$45
Nothing$15
$15$30
$20$50
$35$55
40
$250dayx3
$300dayx3
$250
Ded + $150x3
Ded + $150x5
20
50+
$5
$10
$15 Tier 1
$3$20
$3$10
$10
50+50+
$30$5030
$40$6030
$40$6020
$50$7020
$40$60
$30 Tier 2 $50 Tier 3
No
No
No
No
No
No
Yes
746
746
855
514
514
877
877
905
808
808
847
847
905
764
764
957
957
953
921
921
919
919
938
827
827
87
87
946
783
783
68
68
755
535
535
Humana Value Plan OutshyNetwork
Humana Value Plan InshyNetwork
5050
$35$55
50
20
$10+
$10
$40+$60+
$40$60
No
Yes Humana Value Plan OutshyNetwork
Humana Medical Plan IncshyHigh
Humana Medical Plan IncshyStandard
Humana Medical Plan IncshyHigh
Humana Medical Plan IncshyStandard
Humana Medical Plan IncshyHigh
Humana Medical Plan IncshyStandard
Humana Medical Plan IncshyHigh
Humana Medical Plan IncshyStandard
5050
$20$35
$25$40
$20$35
$25$40
$20$35
$25$40
$20$35
$25$40
50
$250day x 3
$500day x 3
$250day x 3
$500day x 3
$250day x 3
$500day x 3
$250day x 3
$500day x 3
$10+
$10
$10
$10
$10
$10
$10
$10
$10
$40+$60+
$40$60
$40$60
$40$60
$40$60
$40$60
$40$60
$40$60
$40$60
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
529
529
86
86
824
824
937
937
846
846
843
843
687
687
27
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Georgia
Aetna Value Planshy All of Georgia
Aetna Open Access shyHighshy Atlanta and Athens Areas
Humana Value Plan shy Atlanta Area
Humana Value Plan shy Macon Area
Humana Employers Health of Georgia Inc shyHighshy Columbus
Humana Employers Health of Georgia Inc shyStdshy Columbus
Humana Employers Health of Georgia Inc shyHighshy Atlanta
Humana Employers Health of Georgia Inc shyStdshy Atlanta
Humana Employers Health of Georgia Inc shyHighshy Macon
Humana Employers Health of Georgia Inc shyStdshy Macon
Kaiser Foundation Health Plan of Georgia shyHighshy Atlanta AthensColumbusMaconSavannah
Kaiser Foundation Health Plan of Georgia shyStdshy Atlanta AthensColumbusMaconSavannah
Guam
Calvos Selectcare shyHighshy Guam Northern Mariana Islands Palau
TakeCare shyHighshy GuamNMarianaIslandsBelau(Palau)
TakeCare shyStdshy GuamNMarianaIslandsBelau(Palau)
Hawaii Aetna Value Planshy All of Hawaii
HMSA shyHighshy All of Hawaii
Kaiser Foundation Health Plan of Hawaii shyHighshy HawaiiKauaiLanaiMauiMolokaiOahu
Kaiser Foundation Health Plan of Hawaii shyStdshy HawaiiKauaiLanaiMauiMolokaiOahu
877shy459shy6604
877shy459shy6604
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy865shy5813
888shy865shy5813
671 479shy7982
671shy647shy3526
671shy647shy3526
877shy459shy6604
800shy776shy4672
808shy432shy5955
808shy432shy5955
F54 F55
2U1 2U2
AD4 AD5
LM4 LM5
CB1 CB2
CB4 CB5
DG1 DG2
DG4 DG5
DN1 DN2
DN4 DN5
F81 F82
F84 F85
B41 B42
JK1 JK2
JK4 JK5
JS4 JS5
871 872
631 632
634 635
13058 29656
44133 104232
10247 22697
10247 22697
15825 35210
13880 30882
15825 35210
13149 29256
15825 35210
13880 30882
15015 36863
10047 22957
11949 31399
12447 36018
10209 26960
17258 41140
11377 25325
14515 32578
7553 16846
53279 120995
88482 203031
41809 92606
41809 92606
59608 132629
56629 125999
59608 132629
53648 119367
59608 132629
56629 125999
58782 134315
40991 93667
48751 128109
50786 133453
41654 109996
61069 138677
46419 103326
58272 129944
30818 68731
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
28
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay
deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How
well
doctors
communicate
Customer
service
Claims
processing
Plan
Information
on
Costs
Georgia
Aetna Value Plan InshyNetwork $25$40 20 $10
HMOP
30to$60050 to$1200
OS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Humana CoverageFirst InshyNetwork
4040
$20$35
$35$55
40
$250day x 4
20
50+
$10
$10
50+50+
$35$100
$40$60
No
Yes
Yes
59 90 878 941 86 857 62
Humana CoverageFirst OutshyNetwork
Humana CoverageFirst InshyNetwork
5050
$35$55
50
20
$10+
$10
$40+$60+
$40$60
No
Yes Humana CoverageFirst OutshyNetwork
Humana Employers Health of Georgia shyHigh
Humana Employers Health of Georgia shyStandard
Humana Employers Health of Georgia shyHigh
Humana Employers Health of Georgia shyStandard
Humana Employers Health of Georgia shyHigh
Humana Employers Health of Georgia shyStandard
Kaiser Foundation HP of GeorgiashyHigh
Kaiser Foundation HP of GeorgiashyStandard
Guam
Calvos Selectcare InshyNetwork
5050
$20$35
$25$40
$20$35
$25$40
$20$35
$25$40
$15$30
$20$35
$15$40
50
$250day x 3
$500day x 3
$250day x 3
$500day x 3
$250day x 3
$500day x 3
$250dayx3
$250dayx3
$200
$10+
$10
$10
$10
$10
$10
$10
$10$20 Comm
$15$25 Comm
$10
$40+$60+
$40$60
$40$60
$40$60
$40$60
$40$60
$40$60
$2550 of AWP
$40$50 Comm $40$50 Comm
$40$50 Comm $40$50 Comm
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
514
794
794
883
845
845
837
85
85
941
935
935
859
884
884
849
839
839
556
625
625
Calvos Selectcare OutshyNetwork
TakeCareshyHigh
TakeCareshyStandard
Hawaii Aetna Value Plan InshyNetwork
3030
$5 at FHP$40
$5 at FHP$40
$25$40
30
$100day for 5
$150day for 5
20
NA
$10
$15
$10
NA
$25$50
$40$80
30to$60050 to$1200
NA
Yes
Yes
Yes
687
687
669
669
686
686
904
904
792
792
786
786
571
571
Aetna Value Plan OutshyNetwork
HMSA InshyNetwork
4040
$15$15
40
$100
50+
$7
50+50+
$30$65
No
Yes 842 914 884 955 878 931 628 HMSA OutshyNetwork
Kaiser Foundation HP of HawaiishyHigh
Kaiser Foundation HP of HawaiishyStandard
3030
$20$20
$30$30
30
$100
10
$7 + 20
$10
$15
$45$45
$50$50
$30 + 20 $65 + 20 No
Yes
Yes
754
754
826
826
815
815
94
94
875
875
811
811
613
613
29
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Idaho
Aetna Value Planshy Most of Idaho 877shy459shy6604
Altius Health Plans shyHighshy Southern Region 800shy377shy4161
Altius Health Plans shyStdshy Southern Region 800shy377shy4161
Group Health Cooperative shyHighshy most of Washington StateampNorthern Idaho 888shy901shy4636
Group Health Cooperative shyStdshy most of Washington StateampNorthern Idaho 888shy901shy4636
SelectHealth shyHighshy Utah Idaho 801shy442shy7497
SelectHealth shyStdshy Utah Idaho 801shy442shy7497
Illinois
Aetna Value Planshy Most of Illinois 877shy459shy6604
Blue Cross and Blue Shield of Illinois shyHighshy Illinois 855shy676shy4482
Blue Preferred Plus POS shyHighshy Madison and St Clair counties 888shy811shy2092
Health Alliance HMO shyHighshy CentralECentralNCentSouthWest Ill 800shy851shy3379
Health Alliance HMO shyStdshy CentralECentralNCentSouthWest Ill 800shy851shy3379
Humana Benefit Plan of Illinois Inc shyHighshy Central and Northwestern Illinois 888shy393shy6765
Humana Benefit Plan of Illinois Inc shyStdshy Central and Northwestern Illinois 888shy393shy6765
Humana Value Plan shy Central Illinois 888shy393shy6765
Humana Value Plan shy Chicago Area 888shy393shy6765
Humana Health Plan Inc shyHighshy Chicago 888shy393shy6765
Humana Health Plan Inc shyStdshy Chicago 888shy393shy6765
Union Health Service shyHighshy Chicago area 312shy423shy4200
United Healthcare of the Midwest Inc shyHighshy Southwest Illinois 877shy835shy9861
UnitedHealthcare Plan of the River Valley Inc shyHighshy West Central Illinois 800shy747shy1446
H44 H45
9K1 9K2
DK4 DK5
541 542
544 545
SF1 SF2
SF4 SF5
H44 H45
A21 A22
9G1 9G2
FX1 FX2
K84 K85
9F1 9F2
AB4 AB5
GB4 GB5
MW4 MW5
751 752
754 755
761 762
B91 B92
YH1 YH2
13093 29732
19819 42542
11798 25954
27070 55009
11742 26509
19210 43095
12435 27741
13093 29732
30483 71121
32158 67069
26932 67294
20323 51891
51805 115264
15825 35210
10247 22697
10247 22697
40638 90413
15825 35210
14109 33787
33072 74273
14091 38330
53418 121307
63682 140107
48136 105894
71078 152824
47908 108156
63060 140671
50737 113183
53418 121307
74559 169258
76267 165125
70937 165354
64196 149643
96307 214284
59608 132629
41809 92606
41809 92606
84917 188936
59608 132629
57566 131177
77200 172473
57491 135811
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
30
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay
deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
6
Getting needed
care
Getting care
quickly
How
well
doctors
communicate
Customer
service
Claims
processing
Plan
Information
on
Costs
Idaho
Aetna Value Plan InshyNetwork $25$40 20 $10
HMO
30to$60050 to$1200
POS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Altius Health PlansshyHigh
Altius Health PlansshyStandard
Group Health CooperativeshyHigh
Group Health CooperativeshyStandard
SelectHealthshyHigh
SelectHealthshyStandard
Illinois
Aetna Value Plan InshyNetwork
4040
$20$30
$20$40
$25$25
$25$35
$15$25
$20$30
$25$40
40
$200
None
$350
$500
$100
$100 after
20
50+
$7
$7
$20
$20
$5 $25$50
$5
$10
50+50+
$25$50
$35$60
$40$60
$40$60
$25$50$50
$25$50
30to$60050 to$1200
No
No
None
Yes
Yes
Yes
Yes
Yes
552
552
659
659
629
629
852
852
86
86
876
876
813
813
869
869
851
851
948
948
941
941
958
958
883
883
912
912
912
912
895
895
881
881
903
903
588
588
692
692
64
64
Aetna Value Plan OutshyNetwork
Blue Cross and Blue Shield of IllinoisshyHigh
Blue Preferred Plus POS InshyNetwork
4040
$20$35
$25$35
40
$200day x 5
$500
50+
$10 copay
$5
50+50+
$40$60
$40$6025 $6025
No
Yes
Yes 647 891 861 961 84 864 685 Blue Preferred Plus POS OutshyNetwork
Health Alliance HMOshyHigh
Health Alliance HMOshyStandard
Humana Benefit Plan of Illinois IncshyHigh
Humana Benefit Plan of Illinois IncshyStandard
Humana Value Plan InshyNetwork
30 after ded
$25$50
$25$50
$20$35
$25$40
$35$55
30 after ded
$200day x 5
20
$250day x 3
$500day x 3
20
NA
$7
$7
$10
$10
$10
NA
$35$70
$35$70
$40$60
$40$60
$40$60
NA
Yes
Yes
Yes
Yes
Yes
745 915 88 962 878 868 67
Humana Value Plan OutshyNetwork
Humana CoverageFirst InshyNetwork
5050
$35$55
50
20
$10+
$10
$40+$60+
$40$60
No
Yes Humana CoverageFirst OutshyNetwork
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
Union Health ServiceshyHigh
United Healthcare of the Midwest IncshyHigh
UnitedHealthcare Plan of the River Valley shyHigh
5050
$20$35
$25$40
$15$15
$25$40
$25$50
50
$250day x 3
$500day x 3
None
$450
20
$10+
$10
$10
$10
$7
$10
$40+$60+
$40$60
$40$60
$35$60
$30$60
$35$50
No
Yes
Yes
Yes
Yes
Yes
647
647
665
577
822
822
919
896
788
788
902
86
943
943
957
956
859
859
892
914
834
834
898
918
66
66
732
623
31
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Indiana
Aetna Value Planshy All of Indiana 877shy459shy6604
Health Alliance HMO shyHighshy Western Indiana 800shy851shy3379
Health Alliance HMO shyStdshy Western Indiana 800shy851shy3379
Humana Value Plan shy LakePorterLaPorte Counties 888shy393shy6765
Humana Health Plan of Ohio shyHighshy Portions of Indiana 888shy393shy6765
Humana Health Plan of Ohio shyStdshy Portions of Indiana 888shy393shy6765
Humana Health Plan Inc shyHighshy LakePorterLaPorte Counties 888shy393shy6765
Humana Health Plan Inc shyStdshy LakePorterLaPorte Counties 888shy393shy6765
Humana Health Plan Inc shyHighshy Southern Indiana 888shy393shy6765
Humana Health Plan Inc shyStdshy Southern Indiana 888shy393shy6765
Physicians Health Plan of Northern Indiana shyHighshy Northeast Indiana 260shy432shy6690
Iowa
Aetna Value Planshy All of Iowa 877shy459shy6604
Coventry Health Care of Iowa shyHighshy CentralEasternWestern Iowa 800shy257shy4692
Coventry Health Care of Iowa shyStdshy CentralEasternWestern Iowa 800shy257shy4692
Health Alliance HMO shyHighshy Central and Eastern Iowa 800shy851shy3379
Health Alliance HMO shyStdshy Central and Eastern Iowa 800shy851shy3379
HealthPartners High Option shyNorthern Iowa 800shy883shy2177
HealthPartners Standard Option shyNorthern Iowa 800shy883shy2177
Sanford Health Plan shyHighshy Northwestern Iowa 800shy752shy5863
Sanford Health Plan shyStdshy Northwestern Iowa 800shy752shy5863
UnitedHealthcare Plan of the River Valley Inc shyHighshy Eastern and Central Iowa 800shy747shy1446
JS4 JS5
FX1 FX2
K84 K85
MW4 MW5
A61 A62
A64 A65
751 752
754 755
MH1 MH2
MH4 MH5
DQ1 DQ2
H44 H45
SV1 SV2
SY4 SY5
FX1 FX2
K84 K85
V31 V32
V34 V35
AU1 AU2
AU4 AU5
YH1 YH2
17258 41140
26932 67294
20323 51891
10247 22697
13880 30882
12491 27794
40638 90413
15825 35210
15825 35210
13880 30882
30786 68557
13093 29732
13351 31376
9799 23027
26932 67294
20323 51891
26865 64982
8897 20464
26173 63455
23647 57594
14091 38330
61069 138677
70937 165354
64196 149643
41809 92606
56629 125999
50965 113400
84917 188936
59608 132629
59608 132629
56629 125999
74868 166643
53418 121307
54474 128016
39979 93951
70937 165354
64196 149643
70869 162996
36302 83494
70163 161438
67586 155460
57491 135811
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
32
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay
deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How
well
doctors
communicate
Customer
service
Claims
processing
Plan
Information
on
Costs
Indiana
Aetna Value Plan InshyNetwork $25$40 20 $10
HMO
30to$60050 to$1200
POS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Health Alliance HMOshyHigh
Health Alliance HMOshyStandard
Humana Value Plan InshyNetwork
4040
$25$50
$25$50
$35$55
40
$200day x 5
20
20
50+
$7
$7
$10
50+50+
$35$70
$35$70
$40$60
No
Yes
Yes
Yes
745 915 88 962 878 868 67
Humana Value Plan OutshyNetwork
Humana Health Plan of OhioshyHigh
Humana Health Plan of OhioshyStandard
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
Physicians Health Plan of Northern IndianashyHigh
Iowa
Aetna Value Plan InshyNetwork
5050
$20$35
$25$40
$20$35
$25$40
$20$35
$25$40
$15$15
$25$40
50
$250day x 3
$500day x 3
$250day x 3
$500day x 3
$250day x 3
$500day x 3
20
20
$10+
$10
$10
$10
$10
$10
$10
$10
$10
$40+$60+
$40$60
$40$60
$40$60
$40$60
$40$60
$40$60
$25$50
30to$60050 to$1200
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
647
647
562
822
822
878
788
788
815
943
943
934
859
859
868
834
834
893
66
66
593
Aetna Value Plan OutshyNetwork
Coventry Health Care of IowashyHigh
Coventry Health Care of IowashyStandard
Health Alliance HMOshyHigh
Health Alliance HMOshyStandard
HealthPartners High Option
HealthPartners Standard Option
Sanford Health Plan InshyNetwork
4040
$25$50
$25$50
$25$50
$25$50
$25$45
$0 for 3 then 20
$20$30
40
20
20
$200day x 5
20
Nothing
20 in40 out
$100day x 5
50+
$3 $10
$3 $10
$7
$7
$12
$9
$15
50+50+
$45$70$100
30$5000 Max
$35$70
$35$70
$45$90
$40$70
$30$50
No
Yes
No
Yes
Yes
Yes
Yes
NA
562
562
745
647
647
535
905
905
915
893
893
903
888
888
88
875
875
89
964
964
962
951
951
977
837
837
878
92
92
902
903
903
868
911
911
912
652
652
67
725
725
558 Sanford Health Plan OutshyNetwork
Sanford Health Plan InshyNetwork
4040
$25$25
40
$100day x 5
40+
$15
40+40+
$30$50
NA
NA 535 903 89 977 902 912 558 Sanford Health Plan OutshyNetwork
UnitedHealthcare Plan of the River Valley shyHigh
40+40+
$25$50
40+
20
40+
$10
40+40+
$35$50
NA
Yes 577 896 86 956 914 918 623
33
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Kansas
Aetna Value Planshy Most of Kansas
Aetna Open Access shyHighshy Kansas City area
Coventry Health Care of Kansas shyHighshy Kansas City Metro Area (KS and MO)
Coventry Health Care of Kansas shyStdshy Kansas City Metro Area (KS and MO)
Humana Value Plan shy Kansas City Area
Humana Health Plan Inc shyHighshy Kansas City
Humana Health Plan Inc shyStdshy Kansas City
Kentucky
Aetna Value Planshy Most of Kentucky
Humana Health Plan of Ohio shyHighshy Portions of Kentucky
Humana Health Plan of Ohio shyStdshy Portions of Kentucky
Humana Health Plan Inc shyHighshy Louisville
Humana Health Plan Inc shyStdshy Louisville
Humana Health Plan Inc shyHighshy Lexington
Humana Health Plan Inc shyStdshy Lexington
Louisiana
Aetna Value Planshy Most of Louisiana
Coventry Health Care of Louisiana shyHighshy New Orleans Area
Coventry Health Care of Louisiana shyStdshy New Orleans Area
Humana Health Benefit Plan of Louisiana Inc shyHighshy Baton Rouge
Humana Health Benefit Plan of Louisiana Inc shyStdshy Baton Rouge
Humana Health Benefit Plan of Louisiana Inc shyHighshy New Orleans
Humana Health Benefit Plan of Louisiana Inc shyStdshy New Orleans
877shy459shy6604
877shy459shy6604
800shy969shy3343
800shy969shy3343
888shy393shy6765
888shy393shy6765
888shy393shy6765
877shy459shy6604
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
877shy459shy6604
800shy341shy6613
800shy341shy6613
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
G54 G55
HY1 HY2
HA1 HA2
HA4 HA5
PH4 PH5
MS1 MS2
MS4 MS5
H44 H45
A61 A62
A64 A65
MH1 MH2
MH4 MH5
MI1 MI2
MI4 MI5
F54 F55
BJ1 BJ2
BJ4 BJ5
AE1 AE2
AE4 AE5
BC1 BC2
BC4 BC5
12822 29119
13777 50039
13519 32270
12568 29535
10247 22697
62521 139111
15825 35210
13093 29732
13880 30882
12491 27794
15825 35210
13880 30882
19459 43292
13880 30882
13058 29656
19208 48754
13035 30271
15825 35210
13149 29256
13880 30882
12491 27794
52315 118808
55396 147754
55160 129630
51276 120503
41809 92606
107238 238608
59608 132629
53418 121307
56629 125999
50965 113400
59608 132629
56629 125999
63314 140872
56629 125999
53279 120995
63058 146443
53182 123506
59608 132629
53648 119367
56629 125999
50965 113400
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
34
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay
deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How
well
doctors
communicate
Customer
service
Claims
processing
Plan
Information
on
Costs
Kansas
Aetna Value Plan InshyNetwork $25$40 20 $10
HMO
30to$60050 to$1200
POS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Coventry Health Care of KansasshyHigh
Coventry Health Care of KansasshyStandard
Humana CoverageFirst InshyNetwork
4040
$20$35
$30$60
$30$60
$35$55
40
$250day x 4
25
30
20
50+
$10
$3 $12
$3 $12
$10
50+50+
$35$100
$50$75
$5020
$40$60
No
Yes
Yes
Yes
Yes
639
602
602
862
906
906
862
88
88
94
96
96
838
894
894
901
884
884
538
663
663
Humana CoverageFirst OutshyNetwork
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
Kentucky
Aetna Value Plan InshyNetwork
5050
$20$35
$25$40
$25$40
50
$250day x 3
$500day x 3
20
$10+
$10
$10
$10
$40+$60+
$40$60
$40$60
30to$60050 to$1200
No
Yes
Yes
Yes
676
676
903
903
901
901
951
951
881
881
918
918
729
729
Aetna Value Plan OutshyNetwork
Humana Health Plan of OhioshyHigh
Humana Health Plan of OhioshyStandard
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
Louisiana
Aetna Value Plan InshyNetwork
4040
$20$35
$25$40
$20$35
$25$40
$20$35
$25$40
$25$40
40
$250day x 3
$500day x 3
$250day x 3
$500day x 3
$250day x 3
$500day x 3
20
50+
$10
$10
$10
$10
$10
$10
$10
50+50+
$40$60
$40$60
$40$60
$40$60
$40$60
$40$60
30to$60050 to$1200
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes Aetna Value Plan OutshyNetwork
Coventry Health Care of LouisianashyHigh
Coventry Health Care of LouisianashyStandard
Humana Health Benefit Plan of LA shyHigh
Humana Health Benefit Plan of LA shyStandard
Humana Health Benefit Plan of LA shyHigh
Humana Health Benefit Plan of LA shyStandard
4040
$25$45
$30$55
$20$35
$35$40
$20$35
$35$40
40
Ded+$100
Ded+30
$250day x 3
$500day x 3
$250day x 3
$500day x 3
50+
$5
$5
$10
$10
$10
$10
50+50+
$40$100
$40$100
$40$60
$40$60
$40$60
$40$60
No
Yes
Yes
Yes
Yes
Yes
Yes
573
573
874
874
823
823
968
968
831
831
827
827
625
625
35
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Maine
Aetna Value Planshy All of Maine 877shy459shy6604
Maryland
Aetna Value Planshy All of Maryland 877shy459shy6604
Aetna Open Access shyHighshy NorthernCentralSouthern Maryland Areas 877shy459shy6604
Aetna Open Access shyBasicshy NorthernCentralSouthern Maryland Areas 877shy459shy6604
CareFirst BlueChoice shyHighshy All of Maryland 888shy789shy9065
CareFirst BlueChoice shyStdshy All of Maryland 888shy789shy9065
Coventry Health Care shyHighshy All of Maryland 800shy833shy7423
Coventry Health Care shyStdshy All of Maryland 800shy833shy7423
Kaiser Foundation Health Plan MidshyAtlantic States shyHighshy BaltimoreWashington DC areas 877shy574shy3337
Kaiser Foundation Health Plan MidshyAtlantic States shyStdshy BaltimoreWashington DC areas 877shy574shy3337
MD IPA shyHighshy All of Maryland 877shy835shy9861
Massachusetts
Aetna Value Planshy Most of Massachusetts 877shy459shy6604
Fallon Community Health Plan shyBasicshy CentralEastern Massachusetts 800shy868shy5200
EP4 EP5
F54 F55
JN1 JN2
JN4 JN5
2G1 2G2
2G4 2G5
IG1 IG2
IG4 IG5
E31 E32
E34 E35
JP1 JP2
EP4 EP5
JG1 JG2
12694 28827
13058 29656
46867 105610
14021 31351
21177 48693
15284 35429
14998 37685
13265 30509
16926 42124
9646 22186
20245 50123
12694 28827
29337 80043
51792 117616
53279 120995
91271 204437
57208 127913
65067 146381
59056 132852
58764 135153
54121 124479
60731 139681
39358 90520
64116 147840
51792 117616
73390 178358
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
36
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay
deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How
well
doctors
communicate
Customer
service
Claims
processing
Plan
Information
on
Costs
Maine
Aetna Value Plan InshyNetwork $25$40 20 $10
HMO
30to$60050 to$1200
POS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Maryland
Aetna Value Plan InshyNetwork
4040
$25$40
40
20
50+
$10
50+50+
30to$60050 to$1200
No
Yes Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Aetna Open AccessshyBasic
CareFirst BlueChoiceshyHigh
CareFirst BlueChoice InshyNetwork
4040
$15$30
$20$35
$25$35
Nothing$35
40
$150day x3
10 Plan Allow
$200
$200
50+
$5
$10
Nothing
Nothing
50+50+
$35$100
$35$100
$35$65
$35$65
No
Yes
Yes
Yes
Yes
69
69
648
648
844
844
86
86
872
872
833
833
942
942
925
925
865
865
846
846
914
914
902
902
567
567
54
54 CareFirst BlueChoice OutshyNetwork
Coventry Health CareshyHigh
Coventry Health CareshyStandard
Kaiser Foundation HP MidshyAtlantic StatesshyHigh
Kaiser Foundation HP MidshyAtlantic StatesshyStandard
MD IPAshyHigh
Massachusetts
Aetna Value Plan InshyNetwork
$70$70
$20$40
$20$40
$10$20
$20$30
$25$40
$25$40
$500
$200day x 3
$200day x 3
$100
$250dayx3
$150day x 3
20
Nothing
$3$15
$3$15
$7$17 Net
$12$22Net
$7
$10
$35$65
$30$60
$30$60
$30$50$45$65
$35$55$50$
$30$60
30to$60050 to$1200
Yes
Yes
Yes
Yes
70 Yes
Yes
Yes
563
563
83
83
583
864
864
867
867
846
864
864
831
831
876
969
969
927
927
937
892
892
813
813
867
871
871
836
836
841
606
606
702
702
677
Aetna Value Plan OutshyNetwork
Fallon Community Health PlanshyBasic
4040
$25$35
40
$150to$750max
50+
$10
50+50+
$30$60
No
Yes 627 851 882 929 883 801 649
37
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Michigan
Aetna Value Planshy All of Michigan 877shy459shy6604
Bluecare Network of MI shyHighshy East Region 800shy662shy6667
Bluecare Network of MI shyHighshy Southeast Region 800shy662shy6667
Grand Valley Health Plan shyHighshy Grand Rapids area 616shy949shy2410
Grand Valley Health Plan shyStdshy Grand Rapids area 616shy949shy2410
Health Alliance Plan shyHighshy Southeastern MichiganFlint Area 800shy556shy9765
Health Alliance Plan shyStdshy Southeastern MichiganFlint Area 800shy556shy9765
HealthPlus of MI shyHighshy East Michigan 800shy332shy9161
Total Health Care USA shyHighshy Michigan 800shy826shy2862
Minnesota
Aetna Value Planshy Most of Minnesota 877shy459shy6604
HealthPartners High Option shy Minnesota 800shy883shy2177
HealthPartners Standard Option shy Minnesota 800shy883shy2177
Mississippi Aetna Value Planshy Most of Mississippi 877shy459shy6604
G54 G55
K51 K52
LX1 LX2
RL1 RL2
RL4 RL5
521 522
GY4 GY5
X51 X52
A51 A52
H44 H45
V31 V32
V34 V35
H44 H45
12822 29119
22055 52593
18055 50747
24184 61492
19656 50897
20111 55722
16974 48191
13915 49809
13670 50117
13093 29732
26865 64982
8897 20464
13093 29732
52315 118808
65962 150359
61882 148476
68134 159436
63515 148629
63980 153551
60780 145869
56775 147520
55776 147834
53418 121307
70869 162996
36302 83494
53418 121307
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
38
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How well
doctors
communicate
Customer
service
Claims
processing
Plan Inform
ation
on Costs
Michigan
Aetna Value Plan InshyNetwork $25$40 20 $10
HMOP
30to$60050 to$1200
OS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Bluecare Network of MIshyHigh
Bluecare Network of MIshyHigh
Grand Valley Health PlanshyHigh
Grand Valley Health PlanshyStandard
Health Alliance PlanshyHigh
Health Alliance PlanshyStandard
HealthPlus of MIshyHigh
Total Health Care USAshyHigh
Minnesota
Aetna Value Plan InshyNetwork
4040
$15$25
$15$25
$10$10
$20$20
$10$20
$15$30
$10$20
$15$15
$25$40
40
Nothing
Nothing
Nothing
$500x3
Nothing
Nothing
None
None
20
50+
$10
$10
$5
$10
$5
$15
$0$8
$10
$10
50+50+
$30$60
$30$60
$15$15
NA$40
$50$50
$50$50
$40$60
$40$40
30to$60050 to$1200
No
Yes
Yes
No
No
Yes
Yes
Yes
Yes
Yes
651
651
742
742
793
793
793
899
899
90
90
888
888
919
875
875
912
912
862
862
92
933
933
952
952
943
943
951
884
884
883
883
899
899
946
937
937
836
836
902
902
919
672
672
795
795
656
656
658
Aetna Value Plan OutshyNetwork
HealthPartners High Option
HealthPartners Standard Option
Mississippi Aetna Value Plan InshyNetwork
4040
$25$45
$0 for 3 then 20
$25$40
40
Nothing
20 in40 out
20
50+
$12
$9
$10
50+50+
$45$90
$40$70
30to$60050 to$1200
No
Yes
Yes
Yes
647
647
893
893
875
875
951
951
92
92
911
911
725
725
Aetna Value Plan OutshyNetwork 4040 40 50+ 50+50+ No
39
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Missouri Aetna Value Planshy Most of Missouri
Aetna Open Access shyHighshy Kansas City area
Blue Preferred Plus POS shyHighshy StLouisCentralSW areas
Coventry Health Care of Kansas shyHighshy Kansas City Metro Area (KS and MO)
Coventry Health Care of Kansas shyStdshy Kansas City Metro Area (KS and MO)
Humana Value Plan shy Kansas City Area
Humana Health Plan Inc shyHighshy Kansas City
Humana Health Plan Inc shyStdshy Kansas City
United Healthcare of the Midwest Inc shyHighshy St Louis Area
Montana
Aetna Value Planshy SouthSoutheastWestern MT Areas
Nebraska
Aetna Value Planshy All of Nebraska
Nevada
Aetna Value Planshy Las Vegas Area
Aetna Open Access shyHighshy Clark County and Las Vegas areas
Health Plan of Nevada shyHighshy Las VegasEsmeralda and Nye counties
New Hampshire
Aetna Value Planshy All of New Hampshire
877shy459shy6604
877shy459shy6604
888shy811shy2092
800shy969shy3343
800shy969shy3343
888shy393shy6765
888shy393shy6765
888shy393shy6765
877shy835shy9861
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy545shy7378
877shy459shy6604
G54 G55
HY1 HY2
9G1 9G2
HA1 HA2
HA4 HA5
PH4 PH5
MS1 MS2
MS4 MS5
B91 B92
H44 H45
H44 H45
G54 G55
HF1 HF2
NM1 NM2
EP4 EP5
12822 29119
13577 50039
32158 67069
13519 32270
12568 29535
10247 22697
62521 139111
15825 35210
33072 74273
13093 29732
13093 29732
12822 29119
11267 36491
9883 23303
12694 28827
52315 118808
55396 147754
76267 165125
55160 129630
51276 120503
41809 92606
107238 238608
59608 132629
77200 172473
53418 121307
53418 121307
52315 118808
45970 133935
40322 95078
51792 117616
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
40
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How well
doctors
communicate
Customer
service
Claims
processing
Plan Inform
ation
on Costs
Missouri Aetna Value Plan InshyNetwork $25$40 20 $10
HMOP
30to$60050 to$1200
OS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
4040
$20$35
40
$250day x 4
50+
$10
50+50+
$35$100 $40$60
No
Yes 639 862 862 94 838 901 538
Blue Preferred Plus POS InshyNetwork $25$35 $500 $5 25$6025 Yes 647 891 861 961 84 864 685 Blue Preferred Plus POS OutshyNetwork Coventry Health Care of KansasshyHigh
Coventry Health Care of KansasshyStandard
Humana Value Plan InshyNetwork
30 after ded $30$60
$30$60
$35$55
30 after ded 25
30
20
NA $3 $12
$3 $12
$10
NA $50$75
$5020
$40$60
NA Yes
Yes
Yes
602
602
906
906
88
88
96
96
894
894
884
884
663
663
Humana Value Plan OutshyNetwork
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
United Healthcare of the Midwest IncshyHigh
Montana
Aetna Value Plan InshyNetwork
5050
$20$35
$25$40
$25$40
$25$40
50
$250day x 3
$500day x 3
$450
20
$10+
$10
$10
$7
$10
$40+$60+
$40$60
$40$60
$30$60
30to$60050 to$1200
No
Yes
Yes
Yes
Yes
676
676
665
903
903
919
901
901
902
951
951
957
881
881
892
918
918
898
729
729
732
Aetna Value Plan OutshyNetwork
Nebraska
Aetna Value Plan InshyNetwork
4040
$25$40
40
20
50+
$10
50+50+
30to$60050 to$1200
No
Yes Aetna Value Plan OutshyNetwork
Nevada
Aetna Value Plan InshyNetwork
4040
$25$40
40
20
50+
$10
50+50+
30to$60050 to$1200
No
Yes Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Health Plan of NevadashyHigh
New Hampshire
Aetna Value Plan InshyNetwork
4040
$20$35
$10$25
$25$40
40
$250day x 4
$300
20
50+
$10
$7
$10
50+50+
$35$100
$35$55$100
30to$60050 to$1200
No
Yes
Yes
Yes
602
516
838
696
861
66
923
892
849
892
918
912
636
529
Aetna Value Plan OutshyNetwork 4040 40 50+ 50+50+ No
41
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
New Jersey
Aetna Value Planshy All of New Jersey 877shy459shy6604
Aetna Open Access shyHighshy Northern New Jersey 877shy459shy6604
Aetna Open Access shyBasicshy Northern New Jersey 877shy459shy6604
Aetna Open Access shyHighshy Southern NJ 877shy459shy6604
Aetna Open Access shyBasicshy Southern NJ 877shy459shy6604
GHI Health Plan shyHighshy Northern New Jersey 212shy501shy4444
GHI Health Plan shyStdshy Northern New Jersey 212shy501shy4444
New Mexico
Aetna Value Planshy AlbuquerqueDona AnaHobbs Area 877shy459shy6604
Lovelace Health Plan shyHighshy All of New Mexico 800shy808shy7363
Presbyterian Health Plan shyHighshy All counties in New Mexico 800shy356shy2219
EP4 EP5
JR1 JR2
JR4 JR5
P31 P32
P34 P35
801 802
804 805
G54 G55
Q11 Q12
P21 P22
12694 28827
52355 123641
34184 82457
64801 164359
49560 118027
32591 93212
14135 33572
12822 29119
13099 30785
23940 56335
51792 117616
96868 222828
78334 180821
109563 264361
94017 217102
76709 191791
57672 130958
52315 118808
53445 125603
67885 154176
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
42
Primary care Hospital
Prescription Drugs
Member Survey Results
Mail lan
eeded
are
ll icate
r ng rmation
Plan Name ndash Location Specialist
office copay per stay
deductible Level I Level II Level III
order discount
Overall p
satisfaction
Getting n
care
Getting c
quickly
How
we
doctors
commun
Custome
service
Claims
processi
Plan
Info
on
Costs
New Jersey
Aetna Value Plan InshyNetwork $25$40 20 $10
HMO
30to$60050 to$1200
POS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Aetna Open AccessshyBasic
Aetna Open AccessshyHigh
Aetna Open AccessshyBasic
GHI Health Plan InshyNetwork
4040
$20$35
$15$35
$20$35
$15$35
$20$20
40
$250day x 4
20 Plan Allow
$250day x 4
20 Plan Allow
$150max$450
50+
$10
$5
$10
$5
$20
50+50+
$35$100
$35$100
$35$100
$35$100
$45$85
No
Yes
Yes
Yes
Yes
Yes
631
631
631
631
663
852
852
852
852
844
837
837
837
837
851
928
928
928
928
936
895
895
895
895
86
809
809
809
809
828
623
623
623
623
642 GHI Health Plan OutshyNetwork
GHI Health PlanshyStandard
New Mexico
Aetna Value Plan InshyNetwork
50 of sch
$30$30
$25$40
+50 of sch
$250day x 3
20
NA
$10
$10
NA
$45$85
30to$60050 to$1200
No
Yes
Yes
663 844 851 936 86 828 642
Aetna Value Plan OutshyNetwork
Lovelace Health PlanshyHigh
Presbyterian Health PlanshyHigh
4040
$25$35
$25$40
40
$250 after ded
$100 x 5 days
50+
$5
$10
50+50+
$35$6050
$40$7550
No
Yes
Yes
651
655
796
824
753
783
918
917
828
848
939
852
656
616
43
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
New York
Aetna Value Planshy Most of New York 877shy459shy6604
Aetna Open Access shyHighshy NYC AreaUpstate NY 877shy459shy6604
Aetna Open Access shyBasicshy NYC AreaUpstate NY 877shy459shy6604
CDPHP Universal Benefits Inc shyHighshy Upstate Hudson Valley Central NY 877shy269shy2134
CDPHP Universal Benefits Inc shyStdshy Upstate Hudson Valley Central NY 877shy269shy2134
GHI HMO Select shyHighshy BrnxBrklynManhatQueenRichmonWestche 877shy244shy4466
GHI HMO Select shyHighshy CapitalHudson Valley Regions 877shy244shy4466
GHI Health Plan shyHighshy All of New York 212shy501shy4444
GHI Health Plan shyStdshy All of New York 212shy501shy4444
HIP Health of Greater New York shyHighshy New York City area including Long Island 800shy447shy8255
HIP Health of Greater New York shyStdshy New York City area including Long Island 800shy447shy8255
Independent Health Association shyHighshy Western New York 800shy501shy3439
Independent Health Association shyStdshy Western New York 800shy501shy3439
MVP Health Care shyHighshy Eastern Region 888shy687shy6277
MVP Health Care shyStdshy Eastern Region 888shy687shy6277
MVP Health Care shyHighshy Western Region 888shy687shy6277
MVP Health Care shyStdshy Western Region 888shy687shy6277
MVP Health Care shyHighshy Central Region 888shy687shy6277
MVP Health Care shyStdshy Central Region 888shy687shy6277
MVP Health Care shyHighshy Northern Region 888shy687shy6277
MVP Health Care shyStdshy Northern Region 888shy687shy6277
MVP Health Care shyHighshy MidshyHudson Region 888shy687shy6277
MVP Health Care shyStdshy MidshyHudson Region 888shy687shy6277
EP4 EP5
JC1 JC2
JC4 JC5
SG1 SG2
SG4 SG5
6V1 6V2
X41 X42
801 802
804 805
511 512
514 515
QA1 QA2
C54 C55
GA1 GA2
GA4 GA5
GV1 GV2
GV4 GV5
M91 M92
M94 M95
MF1 MF2
MF4 MF5
MX1 MX2
MX4 MX5
12694 28827
40198 109033
26007 71920
22952 71235
12294 32053
19548 60991
14167 47634
32591 93212
14135 33572
17000 63158
12206 34562
18597 58201
14454 47853
16586 53386
13377 39674
13042 35704
11193 28006
17110 54877
13779 42651
25417 75411
22349 67734
18731 58664
13657 42345
51792 117616
84468 207928
69993 170073
66877 169374
50161 129408
63405 158925
57800 145301
76709 191791
57672 130958
60806 161136
49800 131968
62435 156079
58209 145524
60384 151168
54580 137182
53210 133132
45669 114266
60918 152689
56220 140218
69392 173634
66262 165803
62572 156552
55723 139906
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
44
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How well
doctors
communicate
Customer
service
Claims
processing
Plan Inform
ation
on Costs
New York
Aetna Value Plan InshyNetwork $25$40 20 $10
HMOP
30to$60050 to$1200
OS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Aetna Open AccessshyBasic
CDPHP Universal Benefits IncshyHigh
CDPHP Universal Benefits IncshyStandard
GHI HMO SelectshyHigh
GHI HMO SelectshyHigh
GHI Health Plan InshyNetwork
4040
$20$35
$15$35
$20$30
$25$40
$25$40
$25$40
$20$20
40
$250day x 4
20 Plan Allow
$100 x 5
$500+10
$500
$500
$150max$450
50+
$10
$5
25
30
$10
$10
$20
50+50+
$35$100
$35$100
2525
3030
$30$50
$30$50
$45$85
No
Yes
Yes
No
No
Yes
Yes
Yes
662
662
729
729
663
848
848
928
928
844
849
849
90
90
851
937
937
949
949
936
888
888
922
922
86
874
874
924
924
828
547
547
70
70
642 GHI Health Plan OutshyNetwork
GHI Health PlanshyStandard
HIP Health of Greater New YorkshyHigh
HIP Health of Greater New YorkshyStandard
Independent Health Assoc InshyNetwork
50 of sch
$30$30
$20$40
$30$50
$25$25
+50 of sch
$250day x 3
None
$1000
$250
NA
$10
$15
$15$100Ded
$10
NA
$45$85
$35$75
$30$75
$35$75 $75$100Ded
No
Yes
Yes
Yes
No
663
729
729
735
844
814
814
933
851
786
786
923
936
888
888
952
86
787
787
92
828
848
848
916
642
60
60
755 Independent Health Assoc OutshyNetwork
Independent Health Association InshyNetwork
2525
$30$50
25
$750
NA
$10
NA
$5050
No
Yes Independent Health Association OutshyNetwork
MVP Health CareshyHigh
MVP Health CareshyStandard
MVP Health CareshyHigh
MVP Health CareshyStandard
MVP Health CareshyHigh
MVP Health CareshyStandard
MVP Health CareshyHigh
MVP Health CareshyStandard
MVP Health CareshyHigh
MVP Health CareshyStandard
3030
$25$25
$30$50
$25$25
$30$50
$25$25
$30$50
$25$25
$30$50
$25$25
$30$50
30
$500
$750
$500
$750
$500
$750
$500
$750
$500
$750
NA
$5
$5
$5
$5
$5
$5
$5
$5
$5
$5
NA
$35$70
$45$90
$35$70
$45$90
$35$70
$45$90
$35$70
$45$90
$35$70
$45$90
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
739
739
739
739
739
739
739
739
739
739
934
934
934
934
934
934
934
934
934
934
89
89
89
89
89
89
89
89
89
89
962
962
962
962
962
962
962
962
962
962
896
896
896
896
896
896
896
896
896
896
92
92
92
92
92
92
92
92
92
92
768
768
768
768
768
768
768
768
768
768
45
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
North Carolina
Aetna Value Planshy All of North Carolina 877shy459shy6604
North Dakota
Aetna Value Planshy Most of North Dakota 877shy459shy6604
HealthPartners High Option shy Eastern North Dakota 800shy883shy2177
HealthPartners Standard Option shyEastern North Dakota 800shy883shy2177
Sanford Heart of America Health Plan shyHighshy Northcentral North Dakota 800shy525shy5661
Sanford Health Plan shyHighshy North Dakota 800shy752shy5863
Sanford Health Plan shyStdshy North Dakota 800shy752shy5863
Ohio
Aetna Value Planshy All of Ohio 877shy459shy6604
AultCare HMO shyHighshy StarkCarrollHolmesTuscarawasWayne Co 330shy363shy6360
Humana Health Plan of Ohio shyHighshy Greater Cincinnati Area 888shy393shy6765
Humana Health Plan of Ohio shyStdshy Greater Cincinnati Area 888shy393shy6765
HealthSpan Integrated CareshyClevelandAkron areas 800shy686shy7100
HealthSpan Integrated CareshyStdshyClevelandAkron areas 800shy686shy7100
The Health Plan of the Upper Ohio Valley shyHighshy Eastern Ohio 800shy624shy6961
Oklahoma
Aetna Value Planshy All of Oklahoma 877shy459shy6604
Globalhealth Inc shyHighshy Oklahoma 877shy280shy5600
F54 F55
H44 H45
V31 V32
V34 V35
RU1 RU2
C91 C92
C94 C95
JS4 JS5
3A1 3A2
A61 A62
A64 A65
641 642
644 645
U41 U42
JS4 JS5
IM1 IM2
13058 29656
13093 29732
26865 64982
8897 20464
13803 47086
20976 51441
14143 45836
17258 41140
14204 44676
13880 30882
12491 27794
28758 69344
13114 30163
26271 60855
17258 41140
11810 28460
53279 120995
53418 121307
70869 162996
36302 83494
56317 144742
64862 149184
57705 143467
61069 138677
57953 142284
56629 125999
50965 113400
72799 167445
53504 123066
70263 158786
61069 138677
48185 116118
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
46
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How well
doctors
communicate
Customer
service
Claims
processing
Plan Inform
ation
on Costs
North Carolina
Aetna Value Plan InshyNetwork $25$40 20 $10
HMOP
30to$60050 to$1200
OS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
North Dakota
Aetna Value Plan InshyNetwork
4040
$25$40
40
20
50+
$10
50+50+
30to$60050 to$1200
No
Yes Aetna Value Plan OutshyNetwork
HealthPartners High Option
HealthPartners Standard Option
Sanford Heart of America Health Plan InshyNetwork
4040
$25$45
$0 for 3 then 20
$15$25
40
Nothing
20 in40 out
None
50+
$12
$9
50$600ded
50+50+
$45$90
$40$70
50$600 ded
No
Yes
Yes
None
647
647
893
893
875
875
951
951
92
92
911
911
725
725
Sanford Heart of America Health Plan OutshyNetwork
Sanford Health Plan InshyNetwork
2020
$20$30
20
$100day x 5
NA
$15
NA
$30$50
NA
NA 535 903 89 977 902 912 558 Sanford Health Plan OutshyNetwork
Sanford Health Plan InshyNetwork
4040
$25$25
40
$100day x 5
40+
$15
40+40+
$30$50
NA
NA 535 903 89 977 902 912 558 Sanford Health Plan OutshyNetwork
Ohio
Aetna Value Plan InshyNetwork
40+40+
$25$40
40+
20
40+
$10
40+40+
30to$60050 to$1200
NA
Yes Aetna Value Plan OutshyNetwork
AultCare HMOshyHigh
Humana Health Plan of OhioshyHigh
Humana Health Plan of OhioshyStandard
HealthSpan Integrated CareshyHigh
HealthSpan Integrated CareshyStandard
The Health Plan of the Upper Ohio ValleyshyHigh
Oklahoma
Aetna Value Plan InshyNetwork
4040
$15$20
$20$35
$25$40
$20$20
$30$40
$10$20
$25$40
40
$150
$250day x 3
$500day x 3
$250
$500
$250
20
50+
$15
$10
$10
$10
$15
$15
$10
50+50+
$30$40$55
$40$60
$40$60
$30$30
$40$40
$30$50
30to$60050 to$1200
No
No
Yes
Yes
Yes
Yes
Yes
Yes
877
788
788
744
922
845
845
909
907
889
889
876
941
922
922
951
944
935
935
929
935
906
906
944
853
708
708
745
Aetna Value Plan OutshyNetwork
Globalhealth IncshyHigh
4040
$15$45
40
$250dymx1000
50+
$4$10
50+50+
$45$70
No
Yes 592 816 839 916 893 872 727
47
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Oregon
Aetna Value Planshy Most of Oregon
Kaiser Foundation Health Plan of Northwest shyHighshy PortlandSalem areas
Kaiser Foundation Health Plan of Northwest shyStdshy PortlandSalem areas
Pennsylvania
Aetna Value Planshy All of Pennsylvania
Aetna Open Access shyHighshy Philadelphia
Aetna Open Access shyBasicshy Philadelphia
Aetna Open Access shyHighshy Pittsburgh and Western PA Areas
Geisinger Health Plan shyStdshy NortheasternCentralSouth Central areas
HealthAmerica Pennsylvania shyHighshy Greater Pittsburgh Area
UPMC Health Plan shyHighshy Western Pennsylvania
UPMC Health Plan shyStdshy Western Pennsylvania
Puerto Rico
Humana Health Plans of Puerto Rico Inc shyHighshy Puerto Rico
TripleshyS Salud Inc shyHighshy All of Puerto Rico
Rhode Island
Aetna Value Planshy All of Rhode Island
South Carolina
Aetna Value Planshy All of South Carolina
877shy459shy6604
800shy813shy2000
800shy813shy2000
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
800shy447shy4000
866shy351shy5946
888shy876shy2756
888shy876shy2756
800shy314shy3121
787shy774shy6060
877shy459shy6604
877shy459shy6604
H44 H45
571 572
574 575
H44 H45
P31 P32
P34 P35
YE1 YE2
GG4 GG5
261 262
8W1 8W2
UW4 UW5
ZJ1 ZJ2
891 892
EP4 EP5
JS4 JS5
13093 29732
22672 52645
13617 31283
13093 29732
64801 164359
49560 118027
19203 59806
16820 41884
17814 47183
22135 54101
13345 30692
8026 18317
8829 19866
12694 28827
17258 41140
53418 121307
66592 150412
55557 127637
53418 121307
109563 264361
94017 217102
63053 157716
60623 139436
61637 144841
66044 151897
54448 125225
32748 74733
36023 81052
51792 117616
61069 138677
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
48
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay
deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How
well
doctors
communicate
Customer
service
Claims
processing
Plan
Information
on
Costs
Oregon
Aetna Value Plan InshyNetwork $25$40 20 $10
HMOP
30to$60050 to$1200
OS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Kaiser Foundation HP of NorthwestshyHigh
Kaiser Foundation HP of NorthwestshyStandard
Pennsylvania
Aetna Value Plan InshyNetwork
4040
$20$30
$30$40
$25$40
40
$200
$500
20
50+
$15
$20
$10
50+50+
$40$60
$40$60
30to$60050 to$1200
No
Yes
Yes
Yes
768
768
844
844
847
847
916
916
927
927
89
89
683
683
Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Aetna Open AccessshyBasic
Aetna Open AccessshyHigh
Geisinger Health PlanshyStandard
HealthAmerica PennsylvaniashyHigh
UPMC Health PlanshyHigh
UPMC Health PlanshyStandard
Puerto Rico
Humana Health Plans of PR InshyNetwork
4040
$20$35
$15$35
$20$35
$20$35
$25$50
10 after Deduct
20 after Deduct
$5$5
40
$250day x 4
20 Plan Allow
$250day x 4
20aftrDeduct
15 after ded
10 after deduct
20after Deduct
None
50+
$10
$5
$10
30 $5$15
$5
$5 after ded
$5 after ded
$250
50+50+
$35$100
$35$100
$35$100
$35$60
$35$75
$35$75$100
$10$15
40 $40$120 50 $85$250
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
579
579
579
668
699
754
754
806
861
861
861
868
873
908
908
803
835
835
835
85
885
899
899
82
935
935
935
938
957
97
97
938
887
887
887
906
86
913
913
887
899
899
899
902
921
904
904
70
631
631
631
677
671
678
678
541 Humana Health Plans of PR OutshyNetwork $10$10 $50 NA NA
Greater of $15 or Yes
TripleshyS Salud Inc InshyNetwork TripleshyS Salud Inc OutshyNetwork
Rhode Island
Aetna Value Plan InshyNetwork
$750$10
$25$40
$750 amp 10 +$10 amp 10 +
None 10 +
20
$5 or $12 NA
$10
NA
2025 up to$100$175max
30to$60050 to$1200
Yes No
Yes
691 874 844 963 872 75 586
Aetna Value Plan OutshyNetwork
South Carolina
Aetna Value Plan InshyNetwork
4040
$25$40
40
20
50+
$10
50+50+
30to$60050 to$1200
No
Yes Aetna Value Plan OutshyNetwork 4040 40 50+ 50+50+ No
49
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of Your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
South Dakota
Aetna Value Planshy Rapid CitySioux Falls Area 877shy459shy6604
HealthPartners High Option shy Eastern South Dakota 800shy883shy2177
HealthPartners Standard Option shyEastern South Dakota 800shy883shy2177
Sanford Health Plan shyHighshy EasternCentralRapid City Areas 800shy752shy5863
Sanford Health Plan shyStdshy EasternCentralRapid City Areas 800shy752shy5863
Tennessee
Aetna Value Planshy Most of Tennessee 877shy459shy6604
Aetna Open Access shyHighshy Memphis Area 877shy459shy6604
Humana Health Plan Inc shyHighshy Knoxville 888shy393shy6765
Humana Health Plan Inc shyStdshy Knoxville 888shy393shy6765
G54 G55
V31 V32
V34 V35
AU1 AU2
AU4 AU5
F54 F55
UB1 UB2
GJ1 GJ2
GJ4 GJ5
12822 29119
26865 64982
8897 20464
26173 63455
23647 57594
13058 29656
24581 76516
15825 35210
12491 27794
52315 118808
70869 162996
36302 83494
70163 161438
67586 155460
53279 120995
68539 174761
59608 132629
50965 113400
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
50
Primary
Prescription Drugs
Member Survey Results
ded ation
care Hospital Mail
plan
Getting nee
care
How well
teica
r ng rm
Plan Name ndash Location Specialist office copay
per stay deductible Level I
Level II Level III
order discount
Overall
satisfaction
care
Getting
quickly
doctors
commun
Custome
service
Claims
processi
Plan Info
on Costs
South Dakota
Aetna Value Plan InshyNetwork $25$40 20 $10
HMOP
30to$60050 to$1200
OS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
HealthPartners High Option
HealthPartners Standard Option
Sanford Health Plan InshyNetwork
4040
$25$45
$0 for 3 then 20
$20$30
40
Nothing
20 in40 out
$100day x 5
50+
$12
$9
$15
50+50+
$45$90
$40$70
$30$50
No
Yes
Yes
NA
647
647
535
893
893
903
875
875
89
951
951
977
92
92
902
911
911
912
725
725
558 Sanford Health Plan OutshyNetwork
Sanford Health Plan InshyNetwork
4040
$25$25
40
$100day x 5
40+
$15
40+40+
$30$50
NA
NA
535
535 903 89 977 902 912 558 Sanford Health Plan OutshyNetwork
Tennessee
Aetna Value Plan InshyNetwork
40+40+
$25$40
40+
20
40+
$10
40+40+
30to$60050 to$1200
NA
Yes Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
4040
$20$35
$20$35
$25$40
40
$250day x 4
$250day x 3
$500day x 3
50+
$10
$10
$10
50+50+
$35$100
$40$60
$40$60
No
Yes
Yes
Yes
66 875 868 959 889 914 69
51
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Texas
Aetna Value Planshy All of Texas 877shy459shy6604
Aetna Whole Health shyBasicshy Houston Area 877shy459shy6604
Firstcare shyHighshy Waco area 800shy884shy4901
Firstcare shyHighshy West Texas 800shy884shy4901
Firstcare shyHighshy TaylorCallahanEastland 800shy884shy4901
Firstcare shyHighshy Lubbock area 800shy884shy4901
Firstcare shyHighshy BryanCollege Station Area 800shy884shy4901
Humana Value Plan shy Corpus Christi Area 888shy393shy6765
Humana Value Plan shy San Antonio Area 888shy393shy6765
Humana Value Plan shy Austin Area 888shy393shy6765
Humana Health Plan of Texas shyHighshy Houston 888shy393shy6765
Humana Health Plan of Texas shyStdshy Houston 888shy393shy6765
Humana Health Plan of Texas shyHighshy Corpus Christi 888shy393shy6765
Humana Health Plan of Texas shyStdshy Corpus Christi 888shy393shy6765
Humana Health Plan of Texas shyHighshy San Antonio 888shy393shy6765
Humana Health Plan of Texas shyStdshy San Antonio 888shy393shy6765
Humana Health Plan of Texas shyHighshy Austin 888shy393shy6765
Humana Health Plan of Texas shyStdshy Austin 888shy393shy6765
Scott amp White Health Plan shyStdshy Central TX amp Some SE and SW Counties 800shy321shy7947
UnitedHealthcare Benefits of Texas Inc shyHighshy San Antonio 866shy546shy0510
JS4 JS5
ES1 ES2
B71 B72
CK1 CK2
CN1 CN2
CZ1 CZ2
ET1 ET2
TP4 TP5
TU4 TU5
TV4 TV5
EW1 EW2
EW4 EW5
UC1 UC2
UC4 UC5
UR1 UR2
UR4 UR5
UU1 UU2
UU4 UU5
A84 A85
GF1 GF2
17258 41140
12817 40332
11057 37880
10809 34896
13391 65886
13031 61566
12638 56836
10247 22697
10247 22697
10247 22697
13880 30882
12491 27794
17899 39821
13880 30882
55020 122416
13880 30882
26524 59015
15825 35210
14907 37260
32515 78160
61069 138677
52295 137853
45113 135352
44103 132308
54635 163918
53169 159512
51562 154687
41809 92606
41809 92606
41809 92606
56629 125999
50965 113400
61723 137332
56629 126001
99587 221579
56629 126001
70521 156910
59608 132629
58671 134720
76632 176438
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
52
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How well
doctors
communicate
Customer
service
Claims
processing
Plan Inform
ation
on Costs
Texas
Aetna Value Plan InshyNetwork $25$40 20 $10
HMO
30to$60050 to$1200
POS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Aetna Whole Health InshyNetwork
4040
$5$25$35
40
15
50+
$5
50+50+
$35$60
No
Yes Aetna Whole Health OutshyNetwork
FirstcareshyHigh
FirstcareshyHigh
FirstcareshyHigh
FirstcareshyHigh
FirstcareshyHigh
Humana Value Plan InshyNetwork
4040
$30$55
$30$55
$30$55
$30$55
$30$55
$35$55
40
$250day x 5
$250day x 5
$250day x 5
$250day x 5
$250day x 5
20
40
$10
$10
$10
$10
$10
$10
4040
$35$70
$35$70
$35$70
$35$70
$35$70
$40$60
No
Yes
Yes
Yes
Yes
Yes
Yes Humana Value Plan OutshyNetwork
Humana Value Plan InshyNetwork
5050
$35$55
50
20
$10+
$10
$40+$60+
$40$60
No
Yes Humana Value Plan OutshyNetwork
Humana Value Plan InshyNetwork
5050
$35$55
50
20
$10+
$10
$40+$60+
$40$60
No
Yes Humana Value Plan OutshyNetwork
Humana Health Plan of TexasshyHigh
Humana Health Plan of TexasshyStandard
Humana Health Plan of TexasshyHigh
Humana Health Plan of TexasshyStandard
Humana Health Plan of TexasshyHigh
Humana Health Plan of TexasshyStandard
Humana Health Plan of TexasshyHigh
Humana Health Plan of TexasshyStandard
Scott amp White Health PlanshyStandard
UnitedHealthcare Benefits of Texas IncshyHigh
5050
$20$35
$25$40
$20$35
$25$40
$20$35
$25$40
$20$35
$25$40
$20$45
$20$40
50
$250day x 3
$500day x 3
$250day x 3
$500day x 3
$250day x 3
$500day x 3
$250day x 3
$500day x 3
10
$250day x 5
$10+
$10
$10
$10
$10
$10
$10
$10
$10
$5
$10
$40+$60+
$40$60
$40$60
$40$60
$40$60
$40$60
$40$60
$40$60
$40$60
$45$100
$35$60
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
63
63
702
835
835
862
764
764
863
931
931
937
864
864
875
856
856
87
673
673
569
53
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Utah
Aetna Value Planshy Most of Utah 877shy459shy6604
Altius Health Plans shyHighshy Wasatch Front 800shy377shy4161
Altius Health Plans shyStdshy Wasatch Front 800shy377shy4161
SelectHealth shyHighshy Urban and Suburban Utah 800shy538shy5038
SelectHealth shyStdshy Urban and Suburban Utah 800shy538shy5038
Vermont Aetna Value Planshy All of Vermont 877shy459shy6604
Virgin Islands
TripleshyS Salud Inc shyHighshy US Virgin Islands 800shy981shy3241
G54 G55
9K1 9K2
DK4 DK5
SF1 SF2
SF4 SF5
EP4 EP5
851 852
12822 29119
19819 42542
11798 25954
19210 43095
12435 27741
12694 28827
10305 23402
52315 118808
63682 140107
48136 105894
63060 140671
50737 113183
51792 117616
42043 95481
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
54
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How well
doctors
communicate
Customer
service
Claims
processing
Plan Inform
ation
on Costs
Utah
Aetna Value Plan InshyNetwork $25$40 20 $10
HMO
30to$60050 to$1200
POS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Altius Health PlansshyHigh
Altius Health PlansshyStandard
SelectHealthshyHigh
SelectHealthshyStandard
Vermont Aetna Value Plan InshyNetwork
4040
$20$30
$20$40
$15$25
$20$30
$25$40
40
$200
None
$100
$100 after
20
50+
$7
$7
$5$25$50
$5$25$50
$10
50+50+
$25$50
$35$60
$25$50$50
$25 $50$50
30to$60050 to$1200
No
No
None
Yes
Yes
Yes
552
552
629
629
852
852
876
876
813
813
851
851
948
948
958
958
883
883
912
912
895
895
903
903
588
588
64
64
Aetna Value Plan OutshyNetwork
Virgin Islands
4040 40 50+ 50+50+ No
Greater of $15 or TripleshyS Salud Inc InshyNetwork TripleshyS Salud Inc OutshyNetwork
$750$10 $750 amp 10 +$10 amp 10 +
None 10 +
$5 or $12 NA NA
2025 up to$100$175max
Yes No
691 874 844 963 872 75 586
55
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Virginia
Aetna Value Planshy Most of Virginia 877shy459shy6604
Aetna Open Access shyHighshy NorthernCentralRichmond Virginia Areas 877shy459shy6604
Aetna Open Access shyBasicshy NorthernCentralRichmond Virginia Areas 877shy459shy6604
Aetna Whole Health shyBasicshy Roanoke VA area 877shy459shy6604
Aetna Whole Health shyBasicshy Newport News VA area 877shy459shy6604
CareFirst BlueChoice shyHighshy Northern Virginia 888shy789shy9065
CareFirst BlueChoice shyStdshy Northern Virginia 888shy789shy9065
HealthKeepers Inc shyHighshy Virginia 855shy580shy1200
Kaiser Foundation Health Plan MidshyAtlantic States shyHighshy Northern VirginiaFredericksburg area 877shy574shy3337
Kaiser Foundation Health Plan MidshyAtlantic States shyStdshy Northern VirginiaFredericksburg area 877shy574shy3337
MD IPA shyHighshy Northern Viginia 877shy835shy9861
Optima Health Plan shyHighshy Hampton Roads and Richmond areas 800shy206shy1060
Optima Health Plan shyStdshy Hampton Roads and Richmond areas 800shy206shy1060
Piedmont Community Healthcare shyHighshy Lynchburg area 888shy674shy3368
Washington
Aetna Value Planshy Most of Washington 877shy459shy6604
Aetna Open Access shyHighshy Seattle and Spokane areas 877shy459shy6604
Group Health Cooperative shyHighshy Western WACentral WASpokanePullman 888shy901shy4636
Group Health Cooperative shyStdshy Western WACentral WASpokanePullman 888shy901shy4636
KPS Health Plans shyStdshy All of Washington 800shy552shy7114
KPS Health Plans shyHighshy All of Washington 800shy552shy7114
Kaiser Foundation Health Plan of Northwest shyHighshy VancouverLongview 800shy813shy2000
Kaiser Foundation Health Plan of Northwest shyStdshy VancouverLongview 800shy813shy2000
F54 F55
JN1 JN2
JN4 JN5
D91 D92
J91 J92
2G1 2G2
2G4 2G5
A91 A92
E31 E32
E34 E35
JP1 JP2
9R1 9R2
9R4 9R5
2C1 2C2
G54 G55
C31 C32
541 542
544 545
L11 L12
VT1 VT2
571 572
574 575
13058 29656
46867 105610
14021 31351
12138 40332
11280 29365
21177 48693
15284 35429
20427 47008
16926 42124
9646 22186
20245 50123
26858 69565
11269 26665
12235 28017
12822 29119
14933 62274
27070 55009
11742 26509
12426 26823
31651 67459
22672 52645
13617 31283
53279 120995
91271 204437
57208 127913
49524 137853
46023 119808
65067 146381
59056 132852
64302 144663
60731 139681
39358 90520
64116 147840
70861 167671
45977 108794
49920 114308
52315 118808
58698 160234
71078 152824
47908 108156
50700 109437
75750 165523
66592 150412
55557 127637
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
56
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How well
doctors
communicate
Customer
service
Claims
processing
Plan Inform
ation
on Costs
Virginia
Aetna Value Plan InshyNetwork Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Aetna Open AccessshyBasic
Aetna Whole Health InshyNetwork Aetna Whole Health OutshyNetwork
Aetna Whole Health InshyNetwork Aetna Whole Health OutshyNetwork
CareFirst BlueChoiceshyHigh
CareFirst BlueChoice InshyNetwork
$25$40 4040
$15$30
$20$35
$25$35 4040
$5$25$35 4040
$25$35
Nothing$35
20 40
$150day x3
10 Plan Allow
15 40
15 40
$200
$200
$10 50+
$5
$10
$5 40
$5 40
Nothing
Nothing
HMO
50+50+
$35$100
$35$100
$35$60 4040
$35$60 4040
$35$65
$35$65
30to$60050 to$1200
POS National
Yes No
Yes
Yes
Yes No
Yes No
Yes
Yes
Average
69
69
648
648
679
844
844
86
86
864
872
872
833
833
849
942
942
925
925
942
865
865
846
846
877
914
914
902
902
875
567
567
54
54
649
CareFirst BlueChoice OutshyNetwork
HealthKeepers IncshyHigh
Kaiser Foundation HP MidshyAtlantic StatesshyHigh
Kaiser Foundation HP MidshyAtlantic StatesshyStandard
MD IPAshyHigh
Optima Health PlanshyHigh
Optima Health PlanshyStandard
Piedmont Community HealthcareshyHigh
Washington
Aetna Value Plan InshyNetwork Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Group Health CooperativeshyHigh
Group Health CooperativeshyStandard
KPS Health Plans InshyNetwork KPS Health Plans OutshyNetwork
KPS Health Plans InshyNetwork KPS Health Plans OutshyNetwork
Kaiser Foundation HP of NorthwestshyHigh
Kaiser Foundation HP of NorthwestshyStandard
$70$70
$10$20
$20$30
$25$40
$25$30
$35$35
$25$40 4040
$20$35
$25$25
$25$35
$154 or 2020
$30$30 $30+40+diff
$20$30
$30$40
$0$3530NonshyNetwork
$20$0childlt22$30
$154+40+diff 40+diff
$500
$200 x3 days
$100
$250dayx3
$150day x 3
$150max$750
$20020
20
20 40
$250day x 4
$350
$500
Nothing Nothing
None None
$200
$500
Nothing
$0
$7$17 Net
$12$22Net
$7
$10
$10
$15
$10 50+
$10
$20
$20
$10 Not Covered
$5 Not Covered
$15
$20
$35$65
$30$50$50
$30$50$45$65
$35$55$50$70
$30$60
$40$55
50+50+
$35$100
$40$60
$40$60
Not Covered
NA
$40$60
$40$60
$353050up to $3000
$355050 up to $3000
$35$50 30day$100 90day
$25$50 30day$100 90day
30to$60050 to$1200
Yes
Yes
Yes
Yes
Yes
Yes
No
No
Yes No
Yes
Yes
Yes
Yes No
Yes No
Yes
Yes
83
83
583
692
692
659
659
798
798
768
768
867
867
846
864
864
86
86
94
94
844
844
833
831
831
876
886
886
869
869
928
928
847
847
927
927
937
969
969
941
941
957
957
916
916
813
813
867
87
87
912
912
931
931
927
927
836
836
841
916
916
881
881
897
897
89
89
702
702
677
674
674
692
692
65
65
683
683
57
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
West Virginia
Aetna Value Planshy Most of West Virginia 877shy459shy6604
The Health Plan of the Upper Ohio Valley shyHighshy NorthernCentral West Virginia 800shy624shy6961
Wisconsin
Aetna Value Planshy All of Wisconsin 877shy459shy6604
Aetna Whole Health shyBasicshy Milwaukee WI Area 877shy459shy6604
Dean Health Plan shyHighshy South Central Wisconsin 800shy279shy1301
Group Health Cooperative shyHighshy South Central Wisconsin 800shy605shy4327
HealthPartners High Option shy Western Wisconsin 800shy883shy2177
HealthPartners Standard Option shy Western Wisconsin 800shy883shy2177
MercyCare HMO shyHighshy South Central Wisconsin 800shy895shy2421
Physicians Plus shyHighshy All of WI 800shy545shy5015
Wyoming
Aetna Value Plan shyBasicshy All of Wyoming 877shy459shy6604
Altius Health Plans shyHighshy Uinta County 800shy377shy4161
Altius Health Plans shyStdshy Uinta County 800shy377shy4161
F54 F55
U41 U42
JS4 JS5
F71 F72
WD1 WD2
WJ1 WJ2
V31 V32
V34 V35
EY1 EY2
LW1 LW2
H44 H45
9K1 9K2
DK4 DK5
13058 29656
26271 60855
17258 41140
10600 29208
24382 72670
15910 51534
26865 64982
8897 20464
14597 48275
16556 55954
13093 29732
19819 42542
11798 25954
53279 120995
70263 158786
61069 138677
43250 119170
68336 170838
59694 149279
70869 162996
36302 83494
58355 145955
60353 153787
53418 121307
63682 140107
48136 105894
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
58
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Claims
processing
Getting needed
care
Getting care
quickly
How well
doctors
communicate
Customer
service
Plan Inform
ation
on Costs
West Virginia
Aetna Value Plan InshyNetwork Aetna Value Plan OutshyNetwork
The Health Plan of the Upper Ohio ValleyshyHigh
Wisconsin
Aetna Value Plan InshyNetwork Aetna Value Plan OutshyNetwork
Aetna Whole Health InshyNetwork Aetna Whole Health OutshyNetwork
Dean Health PlanshyHigh
Group Health CooperativeshyHigh
HealthPartners High Option
HealthPartners Standard Option
MercyCare HMOshyHigh
Physicians PlusshyHigh
Wyoming
Aetna Value Plan InshyNetwork Aetna Value Plan OutshyNetwork
Altius Health PlansshyHigh
Altius Health PlansshyStandard
$25$40 4040
$10$20
$25$40 4040
$25$35 4040
$25$25
$10$10
$25$45
$0 for 3 then 20
$10$10
$10$10
$25$40 4040
$20$30
$20$40
20 40
$250
20 40
15 40
None
None
Nothing
20 in40 out
Nothing
Nothing
20 40
$200
None
$10 Yes 50+ 50+50+ No
$15 $30$50 Yes
$10 Yes 50+ 50+50+ No
$5 $35$60 Yes 40 4040 No
$10 Yes
$5 $20$20 Yes
$12 $45$90 Yes
$9 $40$70 Yes
$10 $20$50 Yes
$10 3050 No
$10 Yes 50+ 50+50+ No
$7 $25$50 No
$7 $35$60 None
HMOPOS National Average
30$75max 50 wmin$50
30to$60050 to$1200
30to$60050 to$1200
30to$60050 to$1200
744
682
785
647
647
784
601
552
552
679
909 876 951 929 944
909 90 97 834 879
834 834 953 929 932
893 875 951 92 911
893 875 951 92 911
888 854 938 888 87
857 822 96 863 866
852 813 948 883 895
852 813 948 883 895
864 849 942 877 875
745
588
718
725
725
684
686
588
588
649
59
Appendix E FEHB Plan Comparison Charts
High Deductible and ConsumershyDriven Health Plans With a Health Savings Account or Health Reimbursement Arrangement
(Pages 64 through 83)
A High Deductible Health Plan (HDHP) provides comprehensive coverage for highshycost medical events and a taxshyadvantaged way to help you build savings for future medical expenses The HDHP gives you greater flexibility and discretion over how you use your health care benefits
When you enroll your health plan establishes for you either a Health Savings Account (HSA) or a Health Reimbursement Arrangement (HRA) The plan automatically deposits the monthly ldquopremium pass throughrdquo into your HSA The plan credits an amount into the HRA (This is the ldquoPremium Contribution to HSAHRArdquo column in the following charts)
Preventive care is covered in full As you receive other nonshypreventive medical care you must meet the plan deductible before the health plan pays benefits You can choose to pay your deductible with funds from your HSA or you can choose instead to pay for your deductible outshyofshypocket allowing your savings to continue to grow
The HDHP features higher annual deductibles (a minimum of $1250 for Self Only and $2500 for Self and Family coverage) and annual outshyofshypocket limits (not to exceed $6350 for Self Only and $12700 for Self and Family coverage) than other insurance plans Depending on the HDHP you choose you may have the choice of using InshyNetwork and OutshyofshyNetwork providers There may be higher deductibles and outshyofshypocket limits when you use OutshyofshyNetwork providers Using InshyNetwork providers will save you money
Health Savings Account (HSA)
A Health Savings Account allows individuals to pay for current health expenses and save for future qualified medical expenses on a preshytax basis Funds deposited into an HSA are not taxed the balance in the HSA grows tax free and that amount is available on a tax free basis to pay medical costs You are eligible for an HSA if you are enrolled in an HDHP not covered by any other health plan that is not an HDHP (including a spousersquos health plan but does not include specific injury insurance and accident disability dental care vision care or longshyterm coverage) not enrolled in Medicare not received VA benefits or IHS benefits within the last three months not covered by your own or your spousersquos flexible spending account (FSA) and are not claimed as a dependent on someone elsersquos tax return If you are enrolled in a High Deductible Health Plan with an HSA you may not participate in a Health Care Flexible Spending Account (HCFSA) but you are permitted to participate in a Limited Expense (LEX) HCFSA HSAs are subject to a number of rules and limitations established by the Department of the Treasury
Visit wwwtreasurygovresourceshycenterfaqstaxespageshealthshysavingsshyaccountsaspx for more information The 2014 maximum contribution limits are $3300 for Self Only coverage and $6550 for Self and Family coverage If you are over 55 you can make an additional ldquocatch uprdquo contribution You can use funds in your account to help pay your health plan deductible
60
Appendix E FEHB Plan Comparison Charts
High Deductible and ConsumershyDriven Health Plans With a Health Savings Account or Health Reimbursement Arrangement
Features of an HSA include
bull Taxshydeductible deposits you make to the HSA Your own HSA contributions are either taxshydeductible or preshytax (if made by payroll deduction) See IRS Publication 969
bull Taxshydeferred interest earned on the account
bull Taxshyfree withdrawals for qualified medical expenses
bull Carryover of unused funds and interest from year to year
bull Portability the account is owned by you and is yours to keep ndash even when you retire leave government service or change plans
Health Reimbursement Arrangement (HRA)
Health Reimbursement Arrangements are a common feature of ConsumershyDriven Health Plans They may be referred to by the health plan under a different name such as personal care account They are also available to enrollees in High Deductible Health Plans who are not eligible for an HSA HRAs are similar to HSAs except
bull An enrollee cannot make deposits into an HRA
bull A health plan may impose a ceiling on the value of an HRA
bull Interest is not earned on an HRA and
bull The amount in an HRA is not transferable if the enrollee leaves the health plan
If you are enrolled in a High Deductible Health Plan with an HRA you may participate in a Health Care Flexible Spending Account (HCFSA)
The plan will credit the HRA different amounts depending on whether you have a Self Only or a Self and Family enrollment You can use funds in your account to help pay your health plan deductible
Features of an HRA include
bull Taxshyfree withdrawals for qualified medical expenses bull Carryover of unused credits from year to year bull Credits in an HRA do not earn interest bull Credits in the HRA are forfeited if you leave federal employment or switch health insurance plans
Please note that the premium rates provided are the maximum amount you are expected to pay for your premium Your tribal employer may choose to pay a higher portion of your premium Please check with your tribal employer for exact rates
61
Appendix E FEHB Plan Comparison Charts
High Deductible and ConsumershyDriven Health Plans With a Health Savings Account or Health Reimbursement Arrangement
ELIGIBILITY
FUNDING
Health Savings Account (HSA)
You must enroll in a High Deductible Health Plan (HDHP) No other general medical insurance coverage is permitted You cannot be enrolled in Medicare Part A or Part B You cannot be claimed as a dependent on someone elsersquos tax returns
The plan deposits a monthly ldquopremium pass throughrdquo into your account
Health Reimbursement Arrangement (HRA)
You must enroll in a High Deductible Health Plan (HDHP)
The plan deposits the credit amount directly into your account
CONTRIBUTIONS
DISTRIBUTIONS
The maximum allowed is a combination of the health plan ldquopremium pass throughrdquo and the member contribution up to the maximum contribution amount set by the IRS each year
May be used to pay the outshyofshypocket medical expenses for yourself your spouse or your dependents (even if they are not covered by the HDHP) or to pay the planrsquos deductible
See IRS Publication 502 for a complete list of eligible expenses
Only that portion of the premium specified by the health plan will be contributed You cannot add your own money to an HRA
May be used to pay the outshyofshypocket expenses for qualified medical expenses for individuals covered under the HDHP or to pay the planrsquos deductible
See IRS Publication 502 for a complete list of eligible expenses
ANNUAL ROLLOVER
PORTABLE Yes you can take this account with you when you change plans separate from service or retire
Yes funds accumulate without a maximum cap
If you retire and remain in your HDHP you may continue to use and accumulate credits in your HRA
If you terminate employment or change health plans only eligible expenses incurred while covered under that HDHP will be eligible for reimbursement subject to timely filing requirements Unused credits are forfeited
Yes credits accumulate without a maximum cap
IMPORTANT REMINDER This is only a summary of the features of the HDHPHSA or HRA Refer to the specific Plan brochure for the complete details covering Plan design operation and administration as each Plan will have differences
62
Appendix E FEHB Plan Comparison Charts
High Deductible and ConsumershyDriven Health Plans With a Health Savings Account or Health Reimbursement Arrangement
The tables on the following pages highlight selected features that may help you narrow your choice of health plans The tables do not show all of your possible outshyofshypocket costs All benefits are subject to the definitions limitations and exclusions set forth in each planrsquos Federal brochure which is the official statement of benefits available under the planrsquos contract with the Office of Personnel Management Always consult plan brochures before making your final decision
A ConsumershyDriven plan provides you with freedom in spending health care dollars the way you want The typical plan has features such as member responsibility for certain upshyfront medical costs an employershyfunded account that you may use to pay these upshyfront costs and catastrophic coverage with a high deductible You and your family receive full coverage for InshyNetwork preventive care
63
Appendix E FEHB Plan Comparison Charts
High Deductible and ConsumershyDriven Health Plans With a Health Savings Account or Health Reimbursement Arrangement
The tables on the following pages highlight what you are expected to pay for selected features under each plan The charts are not a complete statement of your outshyofshypocket obligations in every individual circumstance Unlike many regular medical plans the covered outshyofshypocket expenses under a High Deductible Health Plan including office visit copayments and prescription drug copayments count toward the calendar year deductible and the catastrophic limit You must read the planrsquos brochure for details
Premium Contribution (pass through) to HSAHRA (or personal care account) shows the amount your health plan automatically deposits or credits into your account on a monthly basis for Self OnlySelf and Family enrollments (ConsumershyDriven Health Plans credit accounts annually) The amount credited under ldquoPremium Contributionrdquo is shown as a monthly amount for comparison purposes only
Calendar Year (CY) Deductible SelfFamily is the maximum amount of covered expenses an individual or family must pay outshyofshypocket including deductibles coinsurance and copayments before the plan pays catastrophic benefits
Catastrophic (Cat) Limit SelfFamily is the maximum amount of covered expenses an individual or family must pay outshyofshypocket including deductibles and coinsurance and copays before the Plan pays catastrophic benefits
Office Visit shows what you pay for a visit to a primary care physician after the deductible is met for other than preventive care
Inpatient Hospital shows what you pay after the deductible is met for hospital services when an inpatient The amount could be a daily copayment up to a specified amount (eg $50 a day up to three days) a coinsurance amount such as 20 or a flat deductible amount (eg $200 per admission) This amount does not include charges from physicians or for services that may not be charged by the hospital such as laboratory or radiology
Your Maximum Monthly Premium is the maximum amount you will pay for your premium Your tribal employer may choose to pay a higher portion of your premium Check with your tribal employer for exact rates
Temporary Continuation of Coverage (TCC) allows former tribal employees and formerly eligible family members to continue their FEHB coverage for a limited period Under TCC you pay the total monthly premium (enrolleersquos share plus the tribal employerrsquos share) plus a 2 administrative charge which equals 102 of Your Total Monthly Premium
Plan Name Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
APWU Health Plan shyCDHPshy Nationwide
GEHA High Deductible Health Plan shyHDHPshy Nationwide
MHBP shy Consumer Option shyHDHPshy Nationwide
NALC shyCDHPshy Nationwide
800shy718shy1299
800shy821shy6136
800shy694shy9901
888shy636shy6252
474 475
341 342
481 482
324 325
9742 21915
11021 25172
13642 30912
10454 22700
39747 89414
44967 102703
55661 126120
42653 92617
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
64
Appendix E FEHB Plan Comparison Charts
High Deductible and ConsumershyDriven Health Plans With a Health Savings Account or Health Reimbursement Arrangement
20 or a flat deductible amount (eg $200 per admission) This amount does not include charges from physicians or for services that may not be charged by the hospital such as laboratory or radiology
Outpatient Surgery shows what you pay the doctor for surgery performed on an outpatient basis
Preventive Services are often covered in full usually with no or only a small deductible or copayment Preventive services may also be payable up to an annual maximum dollar amount (eg up to $300 per person per year)
Prescription Drug Payment Levels Plans use terms such as Level (L I L II) or Tier (T1 T2) to show what you pay for generic or brand name prescription drugs The payment levels that plans use follow L I or Tier 1 includes generic drugs but may include some preferred brands L II or Tier 2 includes preferred brands and may include some generics L III or Tier 3 includes nonshypreferred brands other covered drugs and with some exceptions specialty drugs L IV or Tier 4 includes mostly preferred specialty drugs L V or Tier 5 generally includes nonshypreferred specialty drugs
High Deductible Health Plans and Consumer shy Driven Health Plans are much different from the other types of plans shown in this Guide You can use inshynetwork providers to save money If you use outshyofshynetwork providers however you not only pay more of the costs but you are also usually responsible for any difference between the amount billed for a service and what the plan actually allows (For example you receive a bill from an outshyofshynetwork provider for $100 but the plan allows $85 for the service You pay the higher copayment for outshyofshynetwork care plus the $15 difference between $100 ndash the billed amount ndash and the planrsquos allowance of $85) In addition the difference you pay between the billed amount and the planrsquos allowance does not count toward satisfying the catastrophic limit
Plan Name Benefit Premium CY Ded Cat Limit Office Inpatient Outpatient Preventive Prescription Type Contribution SelfFamily SelfFamily Visit Hospital Surgery Services Drugs
SelfFamily Levels I II III
APWU Health Plan InshyNetwork $1200$2400 $600$1200 $3000$4500 15 None 15 Nothing 252525 APWU Health Plan OutshyNetwork $1200$2400 $600$1200 $9000$9000 40+diff None 40+diff Nothing up to $1200 Not CoveredNANA
GEHA HDHP InshyNetwork $6250$125 $1500$3000 $5000$10000 5 5 5 Nothing 252525 GEHA HDHP OutshyNetWork $6250$125 $1500$3000 $5000$10000 25 25 25 Ded25 25+25+25+
MHBP shy Consumer Option InshyNetwork $70$141 $2000$4000 $5000$10000 $15 $75 dayshy$750 Nothing Nothing $10$25$40 MHBP shy Consumer Option OutshyNetWork $70$141 $2000$4000 $7500$15000 40 40 40 Not Covered Not Covered
NALC InshyNetwork $1200$2400 $2000$4000 $4000$8000 20 20 20 Nothing $10$40$60 NALC OutshyNetwork $1200$2400 $4000$8000 $8000$16000 50 50 50 50 505050+
65
High Deductible Health Plans and ConsumershyDriven Health Plan Member Survey Results
Member Survey results are collected scored and reported by an independent organization ndash not by the health plans See Appendix D for a fuller explanation of each survey category
Overall Plan Satisfaction bull How would you rate your overall experience with your health plan
Getting Needed Care bull How often was it easy to get an appointment the care tests or treatment you thought you needed through your health plan
Getting Care Quickly bull When you needed care right away how often did you get care as soon as you thought you needed bull Not counting the times you needed care right away how often did you get an appointment at a doctorrsquos office or clinic
as soon as you thought you needed
How Well Doctors bull How often did your personal doctor explain things in a way that was easy to understand Communicate bull How often did your personal doctor listen carefully to you show respect for what you had to say and spend enough time with you
Customer Service bull How often did written materials or the Internet provide the information you needed about how your health plan works bull How often did your health planrsquos customer service give you the information or help you needed bull How often were the forms from your health plan easy to fill out
Claims Processing bull How often did your health plan handle your claims quickly and correctly
Plan Information on Costs bull How often were you able to find out from your health plan how much you would have to pay for a health care service or equipment or for specific prescription drug medicines
Aetna HealthFund shy Nationwide 22
GEHA High Deductible Health Plan shy Nationwide 34
Mail Handlers Benefit Plan Consumer Option shy Nationwide 48
Aetna HealthFund shy Nationwide 22
APWU Health Plan shy Nationwide 47
Humana CoverageFirst shy TX TP TU TV
Humana Coverage First shy IN MW
High Deductible Health Plans Plan Name
Plan Code
ConsumershyDriven Health Plans Plan Name
Plan Code
HDHP National Average
CDHP National Average
614
606
623
614
579
606
664
566
478
Overall plan satisfaction
Overall plan satisfaction
885 866 929 860
891 888 952 830
873 851 923 863
891 859 912 887
881 865 939 850
891 888 952 830
909 907 925 871
849 864 932 843
875 801 948 856
Getting needed care
Getting care quickly
How well doctors
communicate Customer service
Member Survey Results
Getting needed care
Getting care quickly
How well doctors
communicate Customer service
876
879
865
885
847
879
845
853
812
Claims processing
Claims processing
585
563
602
590
585
563
680
542
555
Plan Information on Costs
Plan Information on Costs
66
The tables on the following pages highlight selected features that may help you narrow your choice of health plans The tables do not show all of your possible outshyofshypocket costs All benefits are subject to the definitions limitations and exclusions set forth in each planrsquos Federal brochure which is the official statement of benefits available under the planrsquos contract with the Office of Personnel Management Always consult plan brochures before making your final decision
67
High Deductible and ConsumershyDriven Health Plans See pages 64shy65 for an explanation of the columns on these pages
Plan Name
Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Aetna HealthFund shyHDHPshy All 50 States and DC 877shy459shy6604 224 225 11856 25965 48372 105938
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Alabama
Aetna HealthFund shyCDHPshy Most of Alabama
Alaska
Aetna HealthFund shyCDHPshy Most of Alaska
Arizona
Aetna HealthFund shyCDHPshy All of Arizona
Arkansas
Aetna HealthFund shyCDHPshy Most of Arkansas
California
Aetna HealthFund shyCDHPshy Most of California
Colorado
Aetna HealthFund shyCDHPshy All of Colorado
Plan Name
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
Telephone Number
Enrollment Code
F51
JS1
G51
F51
JS1
G51
Self only
F52
JS2
G52
F52
JS2
G52
Self amp family
16322
22787
21977
16322
22787
21977
Self only
39021
53701
51861
39021
53701
51861
Self amp family
60115
66709
65883
60115
66709
65883
Self only
136516
151489
149613
136516
151489
149613
Self amp family
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
68
Plan Name
Benefit Type
Premium Contribution to HSAHRA
CY Ded SelfFamily
Cat Limit SelfFamily
Office Visit
Inpatient Hospital
Outpatient Surgery
Preventive Services
Prescription Drugs
Levels I II III
Aetna HealthFund HDHP InshyNetwork $6250$125 $1500$3000 $4000$8000 10 10 10 Nothing $10$35$60 Aetna HealthFund HDHP OutshyNetWork $6250$125 $2500$5000 $5000$10000 30 30 30 Ded30 30+30+30+
Premium Benefit CY Ded Cat Limit Office Inpatient Outpatient Preventive Prescription Contribution Type SelfFamily SelfFamily Visit Hospital Surgery Services Drugs to HSAHRA Levels I II III Plan Name
Alabama
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Alaska
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed4040+40+40+
Arizona
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Arkansas
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
California
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Colorado
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
69
High Deductible and ConsumershyDriven Health Plans See pages 64shy65 for an explanation of the columns on these pages
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Connecticut
Aetna HealthFund shyCDHPshy All of Connecticut
Delaware
Aetna HealthFund shyCDHPshy All of Delaware
District of Columbia
Aetna HealthFund shyCDHPshy All of Washington DC
CareFirst BlueChoice shyHDHPshy Washington DC Metro Area
Florida
Aetna HealthFund shyCDHPshy Most of Florida
Coventry Health Plan of Florida shyHDHPshy Southern Florida
Humana CoverageFirst shyCDHPshy Tampa Area
Humana CoverageFirst shyCDHPshy South Florida Area
Georgia
Aetna HealthFund shyCDHPshy All of Georgia
Humana CoverageFirst shyCDHPshy Atlanta Area
Humana CoverageFirst shyCDHPshy Macon Area
Guam
TakeCare shyHDHPshy GuamN Mariana IslandsBelau (Palau)
Plan Name
877shy459shy6604
877shy459shy6604
877shy459shy6604
888shy789shy9065
877shy459shy6604
800shy441shy5501
888shy393shy6765
888shy393shy6765
877shy459shy6604
888shy393shy6765
888shy393shy6765
671shy647shy3526
Telephone Number
Enrollment Code
EP1
EP1
F51
B61
F51
J41
MJ1
QP1
F51
AD1
LM1
KX1
Self only
EP2
EP2
F52
B62
F52
J42
MJ2
QP2
F52
AD2
LM2
KX2
Self amp family
20174
20174
16322
14018
16322
13979
12818
10987
16322
11598
12208
6822
Self only
47770
47770
39021
31268
39021
43929
28521
24447
39021
25804
27163
17900
Self amp family
64044
64044
60115
57192
60115
57033
52297
44828
60115
47321
49809
27833
Self only
145440
145440
136516
127574
136516
141522
116366
99744
136516
105282
110827
73032
Self amp family
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
70
Premium Benefit CY Ded Cat Limit Office Inpatient Outpatient Preventive Prescription Contribution Type SelfFamily SelfFamily Visit Hospital Surgery Services Drugs to HSAHRA Levels I II III Plan Name
Connecticut
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Delaware
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
District of Columbia
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
CareFirst BlueChoice InshyNetwork $3750$7500 $1500$3000 $4000$8000 Nothing $300 Nothing Nothing Nothing$30$60 CareFirst BlueChoice OutshyNetWork $3750$7500 $3000$6000 $6000$12000 $70 $500 $70 Nothing Nothing$30$60
Florida
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Coventry Health Plan of Florida $8334$16667 $2500$5000 $5000$10000 $10 Ded+20 Ded+20 Nothing $5$35$5020
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst outshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst outshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Georgia
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst outshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst outshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Guam
TakeCare InshyNetwork $8666$22208 $3000$6000 $5000$10000 20 after Ded 20 after Ded 20 after Ded Nothing $20$40$150 30 after Ded30 after Ded TakeCare OutshyNetWork $8666$22208 $3000$6000 $10000$20000 30 after Ded 30 after Ded 30 after Ded 1st $300ded 30 after Ded
71
High Deductible and ConsumershyDriven Health Plans See pages 64shy65 for an explanation of the columns on these pages
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Hawaii Aetna HealthFund shyCDHPshy All of Hawaii
Idaho
Aetna HealthFund shyCDHPshy Most of Idaho
Altius Health Plans shyHDHPshy Southern Region
Illinois
Aetna HealthFund shyCDHPshy Most of Illinois
Humana CoverageFirst shyCDHPshy Central Illinois
Humana CoverageFirst shyCDHPshy Chicago Area
Indiana
Aetna HealthFund shyCDHPshy All of Indiana
Humana CoverageFirst shyCDHPshy LakePorterLaPorte Counties
Iowa
Aetna HealthFund shyCDHPshy All of Iowa
Coventry Health Care of Iowa shyHDHPshy CentralEasternWestern Iowa
Kansas
Aetna HealthFund shyCDHPshy Most of Kansas
Coventry Health Care of Iowa shyHDHPshy CentralEasternWestern Iowa
Humana CoverageFirst shyCDHPshy Kansas City Area
Plan Name
877shy459shy6604
877shy459shy6604
800shy377shy4161
877shy459shy6604
888shy393shy6765
888shy393shy6765
877shy459shy6604
888shy393shy6765
877shy459shy6604
800shy257shy4692
877shy459shy6604
800shy969shy3343
888shy393shy6765
Telephone Number
Enrollment Code
JS1
H41
9K4
H41
GB1
MW1
JS1
MW1
H41
SV4
G51
9H1
PH1
Self only
JS2
H42
9K5
H42
GB2
MW2
JS2
MW2
H42
SV5
G52
9H2
PH2
Self amp family
22787
16237
8704
16237
12208
12208
22787
12208
16237
8970
21977
12747
10987
Self only
53701
38826
18033
38826
27163
27162
53701
27162
38826
21408
51861
29956
24447
Self amp family
66709
60028
35514
60028
49809
49809
66709
49809
60028
36598
65883
52008
44828
Self only
151489
13631
73576
136317
110827
110823
151489
110823
136317
87344
149613
122219
99744
Self amp family
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
72
Premium Benefit CY Ded Cat Limit Office Inpatient Outpatient Preventive Prescription Contribution Type SelfFamily SelfFamily Visit Hospital Surgery Services Drugs to HSAHRA Levels I II III Plan Name
Hawaii Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Idaho
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Altius Health Plans $4583$9166 $1250$2500 $5000$10000 $20 10 10 Nothing $7$25$50
Illinois
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirs outshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst outshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Indiana
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst outshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Iowa
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Coventry Health Care of Iowa $8333$16666 $2100$4200 $5000$10000 $25 15 45 Nothing $3 $10$45$70
Kansas
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Coventry Health Care of Kansas (Kansas City)shyHDHP $6666$13333 $2500$5000 $4000$8000 20 20 20 Nothing 202020
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst outshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
73
High Deductible and ConsumershyDriven Health Plans See pages 64shy65 for an explanation of the columns on these pages
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Kentucky
Aetna HealthFund shyCDHPshy Most of Kentucky
Humana CoverageFirst shyCDHPshy Lexington Area
Louisiana
Aetna HealthFund shyCDHPshy Most of Louisiana
Maine
Aetna HealthFund shyCDHPshy All of Maine
Maryland
Aetna HealthFund shyCDHPshy All of Maryland
CareFirst BlueChoice shyHDHPshy All of Maryland
Coventry Health Care HDHP shy All of Maryland
Massachusetts
Aetna HealthFund shyCDHPshy Most of Massachusetts
Michigan
Aetna HealthFund shyCDHPshy All of Michigan
Minnesota
Aetna HealthFund shyCDHPshy Most of Minnesota
Mississippi Aetna HealthFund shyCDHPshy Most of Mississippi
Plan Name
877shy459shy6604
888shy393shy6765
877shy459shy6604
877shy459shy6604
877shy459shy6604
888shy789shy9065
800shy833shy7423
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
Telephone Number
Enrollment Code
H41
6N1
F51
EP1
F51
B61
GZ1
EP1
G51
H41
H41
Self only
H42
6N2
F52
EP2
F52
B62
GZ2
EP2
G52
H42
H42
Self amp family
16237
10987
16322
20174
16322
14018
11980
20174
21977
16237
16237
Self only
38826
24447
39021
47770
39021
31268
26835
47770
51861
38826
38826
Self amp family
60028
44828
60115
64044
60115
57192
48880
64044
65883
60028
60028
Self only
136317
99744
136516
145440
136516
127574
109488
145440
149613
136317
136317
Self amp family
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
74
Premium Benefit CY Ded Cat Limit Office Inpatient Outpatient Preventive Prescription Contribution Type SelfFamily SelfFamily Visit Hospital Surgery Services Drugs to HSAHRA Levels I II III Plan Name
Kentucky
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst outshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Louisiana
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Maine
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Maryland
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
CareFirst BlueChoice InshyNetwork $3750$7500 $1500$3000 $4000$8000 Nothing $300 Nothing Nothing Nothing$30$60 CareFirst BlueChoice
Coventry Health Care HDHP
OutshyNetWork
InshyNetwork
$3750$7500
$4167$8334
$3000$6000
$2000$4000
$6000$12000
$4000$8000
$70
Nothing
$500
Nothing
$70
Nothing
Nothing
Nothing
Nothing$30$60
$3$15$30$60 Coventry Health Care HDHP OutshyNetWork $4167$8334 $2000$4000 $4000$8000 30 30 30 30 NA
Massachusetts
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Michigan
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Minnesota
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Mississippi Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
75
High Deductible and ConsumershyDriven Health Plans See pages 64shy65 for an explanation of the columns on these pages
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Missouri Aetna HealthFund shyCDHPshy Most of Missouri
Humana CoverageFirst shyCDHPshy Kansas City Area
Montana
Aetna HealthFund CDHP shy SouthSoutheastWestern MT Areas
Nebraska
Aetna HealthFund shyCDHPshy All of Nebraska
Nevada
Aetna HealthFund shyCDHPshy Las Vegas Area
New Hampshire
Aetna HealthFund shyCDHPshy All of New Hampshire
New Jersey
Aetna HealthFund shyCDHPshy All of New Jersey
New Mexico
Aetna HealthFund shyCDHPshy AlbuquerqueDona AnaHobbs Area
New York
Aetna HealthFund shyCDHPshy Most of New York
Independent Health Assoc shyHDHPshy Western New York
Plan Name
Coventry Health Care of Kansas (Kansas City)shyHDHP Kansas City Metro Area (KS and MO)
877shy459shy6604
800shy969shy3343
888shy393shy6765
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
800shy501shy3439
Telephone Number
Enrollment Code
G51
9H1
PH1
H41
H41
G51
EP1
EP1
G51
EP1
QA4
Self only
G52
9H2
PH2
H42
H42
G52
EP2
EP2
G52
EP2
QA5
Self amp family
21977
12747
10987
16237
16237
21977
20174
20174
21977
20174
9575
Self only
51861
29956
24447
38826
38826
51861
47770
47770
51861
47770
24919
Self amp family
65883
52008
44828
60028
60028
65883
64044
64044
65883
64044
39066
Self only
149613
122219
99744
136317
136317
149613
145440
145440
149613
145440
101669
Self amp family
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
76
Premium Benefit CY Ded Cat Limit Office Inpatient Outpatient Preventive Prescription Contribution Type SelfFamily SelfFamily Visit Hospital Surgery Services Drugs to HSAHRA Levels I II III Plan Name
Missouri Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Coventry Health Care of Kansas (Kansas City)shyHDHP $8333$16666 $2500$5000 $3500$7000 20 20 20 Nothing 202020
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst OutshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Montana
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Nebraska
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Nevada
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
New Hampshire
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
New Jersey
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
New Mexico
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
New York
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Independent Health Assoc InshyNetwork $6642$16667 $2000$4000 $5000$10000 $15 Nothing 20 Nothing $7$25$40 Independent Health Assoc OutshyNetWork $6642$16667 $2000$4000 $5000$10000 40 40 40 Nothing NA
77
High Deductible and ConsumershyDriven Health Plans See pages 64shy65 for an explanation of the columns on these pages
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
North Carolina
Aetna HealthFund shyCDHPshy All of North Carolina
North Dakota
Aetna HealthFund shyCDHPshy Most of North Dakota
Ohio Aetna HealthFund shyCDHPshy All of Ohio
AultCare HMO shyHDHPshy StarkCarrollHolmesTuscarawasWayne Co
Oklahoma Aetna HealthFund shyCDHPshy All of Oklahoma
Oregon Aetna HealthFund shyCDHPshy Most of Oregon
Pennsylvania
Aetna HealthFund shyCDHPshy All of Pennsylvania
HealthAmerica Pennsylvania shy HDHP shy Greater Pittsburgh Area
UPMC Health Plan shyHDHPshy Western Pennsylvania
Rhode Island
Aetna HealthFund shyCDHPshy All of Rhode Island
South Carolina
Aetna HealthFund shyCDHPshy All of South Carolina
Plan Name
877shy459shy6604
877shy459shy6604
877shy459shy6604
330shy363shy6360
877shy459shy6604
877shy459shy6604
877shy459shy6604
866shy351shy5946
888shy876shy2756
877shy459shy6604
877shy459shy6604
Telephone Number
Enrollment Code
F51
H41
JS1
3A4
JS1
H41
H41
Y61
8W4
EP1
JS1
Self only
F52
H42
JS2
3A5
JS2
H42
H42
Y62
8W5
EP2
JS2
Self amp family
16322
16237
22787
8669
22787
16237
16237
12298
12448
20174
22787
Self only
39021
38826
53701
17501
53701
38826
38826
28345
28053
47770
53701
Self amp family
60115
60028
66709
35369
66709
60028
60028
50178
50788
64044
66709
Self only
136516
136317
151489
71405
151489
136317
136317
115650
114458
145440
151489
Self amp family
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
78
North Carolina
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
North Dakota
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Ohio Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
AultCare HMO InshyNetwork $8333$16666 $2000$4000 $4000$8000 20 20 20 Nothing 202020 AultCare HMO OutshyNetWork $8333$16666 $4000$8000 $8000$16000 40 UCR 40 UCR 40 UCR 50 UCR
Oklahoma Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Oregon Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Pennsylvania
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
HealthAmerica Pennsylvania shy HDHP $6250$125 $1500$3000 $4000$8000 $15 Nothing Nothing Nothing $5$35$50
UPMC Health Plan InshyNetwork $8333$$16667 $2000$4000 $3000$6000 10after deduct Nothing UPMC Health Plan OutshyNetWork $8333$16667 $2000$4000 $6000$12000 30after deduct 30 NA
Rhode Island
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
South Carolina
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Plan Name
Premium Contribution to HSAHRA
CY Ded SelfFamily
Cat Limit SelfFamily
Office Visit
Inpatient Hospital
Outpatient Surgery
Preventive Services
Prescription Drugs
Levels I II III
Benefit Type
20 Plan Allow20 Plan Allow 20 Plan Allow
$5 after deduct$35 after deduct
10After Deduct
10 after deduct
30After Deduct
30 after deduct
79
High Deductible and ConsumershyDriven Health Plans See pages 64shy65 for an explanation of the columns on these pages
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
South Dakota
Aetna HealthFund shyCDHPshy Rapid CitySioux Falls Area
Tennessee
Aetna HealthFund shyCDHPshy Most of Tennessee
Texas Aetna HealthFund shyCDHPshy All of Texas
Humana CoverageFirst shyCDHPshy Corpus Christi Area
Humana CoverageFirst shyCDHPshy San Antonio Area
Humana CoverageFirst shyCDHPshy Austin Area
Utah Aetna HealthFund shyCDHPshy Most of Utah
Altius Health Plans shyHDHPshy Wasatch Front
Vermont
Aetna HealthFund shyCDHPshy All of Vermont
Virginia Aetna HealthFund shyCDHPshy Most of Virginia
CareFirst BlueChoice shyHDHPshy Northern Virginia
Plan Name
877shy459shy6604
877shy459shy6604
877shy459shy6604
888shy393shy6765
888shy393shy6765
888shy393shy6765
877shy459shy6604
800shy377shy4161
877shy459shy6604
877shy459shy6604
888shy789shy9065
Telephone Number
Enrollment Code
G51
F51
JS1
TP1
TU1
TV1
G51
9K4
EP1
F51
B61
Self only
G52
F52
JS2
TP2
TU2
TV2
G52
9K5
EP2
F52
B62
Self amp family
21977
16322
22787
12208
12208
13429
21977
8704
20174
16322
14018
Self only
51861
39021
53701
27163
27162
29879
51861
18033
47770
39021
31268
Self amp family
65883
60115
66709
49809
49809
54790
65883
35514
64044
60115
57192
Self only
149613
136516
151489
110827
110823
121906
149613
73576
145440
136516
127574
Self amp family
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
80
Premium Benefit CY Ded Cat Limit Office Inpatient Outpatient Preventive Prescription Contribution Type SelfFamily SelfFamily Visit Hospital Surgery Services Drugs to HSAHRA Levels I II III Plan Name
South Dakota
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Tennessee
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Texas Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst OutshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst OutshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst OutshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Utah Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Altius Health Plans $5208$10415 $1250$2500 $5000$10000 $20 10 10 Nothing $7$25$50
Vermont
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60
Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Virginia Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
CareFirst BlueChoice InshyNetwork $3750$7500 $1500$3000 $4000$8000 Nothing $300 Nothing Nothing Nothing$30$60 CareFirst BlueChoice OutshyNetWork $3750$7500 $3000$6000 $6000$12000 $70 $500 $70 Nothing Nothing$30$60
81
High Deductible and ConsumershyDriven Health Plans See pages 64shy65 for an explanation of the columns on these pages
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Washington Aetna HealthFund shyCDHPshy Most of Washington
KPS Health Plans shyHDHPshy All of Washington
West Virginia Aetna HealthFund shyCDHPshy Most of West Virginia
Wisconsin Aetna HealthFund shyCDHPshy All of Wisconsin
Wyoming
Aetna HealthFund shyCDHPshy All of Wyoming
Altius Health Plans shyHDHPshy Uinta County
Plan Name
877shy459shy6604
800shy552shy7114
877shy459shy6604
877shy459shy6604
877shy459shy6604
800shy377shy4161
Telephone Number
Enrollment Code
G51
L14
F51
JS1
H41
9K4
Self only
G52
L15
F52
JS2
H42
9K5
Self amp family
21977
10262
16322
22787
16237
8704
Self only
51861
22425
39021
53701
38826
18033
Self amp family
65883
41871
60115
66709
60028
35514
Self only
149613
91494
136516
151489
136317
73576
Self amp family
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
82
Washington Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
KPS Health Plans InshyNetwork $6250$125 $1300$2600 $4000$8000 20 None 20 Nothing KPS Health Plans OutshyNetWork $6250$125 $1300$2600 $4000$8000 40 None 40 Not Covered Not Covered
West Virginia Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Wisconsin Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Wyoming
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Altius Health Plans $5208$10415 $1250$2500 $5000$10000 $20 10 10 Nothing $7$25$50
Plan Name
Premium Contribution to HSAHRA
CY Ded SelfFamily
Cat Limit SelfFamily
Office Visit
Inpatient Hospital
Outpatient Surgery
Preventive Services
Prescription Drugs
Levels I II III
Benefit Type
$10$35$50 30day $100 90day
83
______________________________________________________________________________________________________________
Medicaid and the Childrenrsquos Health Insurance Program (CHIP) Offer Free or LowshyCost Health Coverage to Children and Families
If you or your children are eligible for Medicaid or CHIP and you are eligible for health coverage from your employer your State may have a premium assistance program that can help pay for coverage These States use funds from their Medicaid or CHIP programs to help people who are eligible for these programs but also have access to health insurance through their employer If you or your children are not eligible for Medicaid or CHIP you will not be eligible for these premium assistance programs
If you or your dependents are already enrolled in Medicaid or CHIP and you live in a State listed below you can contact your State Medicaid or CHIP office to find out if premium assistance is available
If you or your dependents are NOT currently enrolled in Medicaid or CHIP and you think you or any of your dependents might be eligible for either of these programs you can contact your State Medicaid or CHIP office or dial 1shy877shyKIDS NOW or wwwinsurekidsnowgov to find out how to apply If you qualify you can ask the State if it has a program that might help you pay the premiums for an employershysponsored plan
Once it is determined that you or your dependents are eligible for premium assistance under Medicaid or CHIP as well as eligible under your employer plan your employer must permit you to enroll in your employer plan if you are not already enrolled This is called a ldquospecial enrollmentrdquo opportunity and you must request coverage within 60 days of being determined eligible for premium assistance If you have questions about enrolling in your employer plan you can contact the Department of Labor electronically at wwwaskebsadolgov or by calling tollshyfree 1shy866shy444shyEBSA (3272)
If you live in one of the following States you may be eligible for assistance paying your employer health plan premiums The following list of States is current as of January 31 2013 You should contact your State for further information on eligibility ndash
ALABAMA ndash Medicaid KANSAS ndash Medicaid Website httpwwwmedicaidalabamagov Phone 1shy855shy692shy5447
Website httpwwwkdheksgovhcf Phone 1shy800shy792shy4884
ALASKA ndash Medicaid KENTUCKY ndash Medicaid Website httphealthhssstateakusdpaprogramsmedicaid Phone (Outside of Anchorage) 1shy888shy318shy8890 Phone (Anchorage) 907shy269shy6529
Website httpchfskygovdmsdefaulthtm Phone 1shy800shy635shy2570
ARIZONA ndash CHIP LOUISIANA ndash Medicaid Website httpwwwazahcccsgovapplicants Phone (Outside of Maricopa County) 1shy877shy764shy5437 Phone (Maricopa County) 602shy417shy5437
Website httpwwwlahippdhhlouisianagov Phone 1shy888shy695shy2447
COLORADO ndash Medicaid MAINE ndash Medicaid Medicaid Website httpwwwcoloradogov Medicaid Phone (In state) 1shy800shy866shy3513 Medicaid Phone (Out of state) 1shy800shy221shy3943
Website httpwwwmainegovdhhsofipublicshyassistanceindexhtml Phone 1shy800shy977shy6740 TTY 1shy800shy977shy6741
FLORIDA ndash Medicaid MASSACHUSETTS ndash Medicaid and CHIP Website httpswwwflmedicaidtplrecoverycom Phone 1shy877shy357shy3268
Website httpwwwmassgovMassHealth Phone 1shy800shy462shy1120
GEORGIA ndash Medicaid MINNESOTA ndash Medicaid Website httpdchgeorgiagov Click on Programs then Medicaid then Health Insurance Premium Payent (HIPP) Phone 1shy800shy869shy1150
Website httpwwwdhsstatemnus Click on Health Care then Medical Assistance Phone 1shy800shy657shy3629
IDAHO ndash Medicaid and CHIP MISSOURI ndash Medicaid Medicaid Website wwwaccesstohealthinsuranceidahogov Medicaid Phone 1shy800shy926shy2588 CHIP Website wwwmedicaididahogov CHIP Phone 1shy800shy926shy2588
Website httpwwwdssmogovmhdparticipantspageshipphtm Phone 573shy751shy2005
INDIANA ndash Medicaid MONTANA ndash Medicaid Website httpwwwingovfssa Phone 1shy800shy889shy9949
Website httpmedicaidproviderhhsmtgovclientpages clientindexshtml Phone 1shy800shy694shy3084
IOWA ndash Medicaid NEBRASKA ndash Medicaid Website wwwdhsstateiaushipp Phone 1shy888shy346shy9562
Website wwwACCESSNebraskanegov Phone 1shy877shy383shy4278
84
Medicaid and the Childrenrsquos Health Insurance Program (CHIP) Offer Free or LowshyCost Health Coverage to Children and Families
NEVADA ndash Medicaid SOUTH CAROLINA ndash Medicaid Medicaid Website httpdwssnvgov Medicaid Phone 1shy800shy992shy0900
Website httpwwwscdhhsgov Phone 1shy888shy549shy0820
NEW HAMPSHIRE ndash Medicaid SOUTH DAKOTA ndash Medicaid Website httpwwwdhhsnhgovoiidocumentshippapppdf Phone 603shy271shy5218
Website httpdsssdgov Phone 1shy888shy828shy0059
NEW JERSEY ndash Medicaid and CHIP TEXAS ndash Medicaid Medicaid Website httpwwwstatenjushumanservices dmahsclientsmedicaid Medicaid Phone 609shy631shy2392 CHIP Website httpwwwnjfamilycareorgindexhtml CHIP Phone 1shy800shy701shy0710
Website httpswwwgethipptexascom Phone 1shy800shy440shy0493
NEW YORK ndash Medicaid UTAH ndash Medicaid and CHIP Website httpwwwnyhealthgovhealth_caremedicaid Phone 1shy800shy541shy2831
Website httphealthutahgovupp Phone 1shy866shy435shy7414
NORTH CAROLINA ndash Medicaid VERMONTndash Medicaid Website httpwwwncdhhsgovdma Phone 919shy855shy4100
Website httpwwwgreenmountaincareorg Phone 1shy800shy250shy8427
NORTH DAKOTA ndash Medicaid VIRGINIA ndash Medicaid and CHIP Website httpwwwndgovdhsservicesmedicalservmedicaid Phone 1shy800shy755shy2604
Medicaid Website httpwwwdmasvirginiagovrcpshyHIPPhtm Medicaid Phone 1shy800shy432shy5924 CHIP Website httpwwwfamisorg CHIP Phone 1shy866shy873shy2647
OKLAHOMA ndash Medicaid and CHIP WASHINGTON ndash Medicaid Website httpwwwinsureoklahomaorg Phone 1shy888shy365shy3742
Website httphrsadshswagovpremiumpymtApplyshtm Phone 1shy800shy562shy3022 ext 15473
OREGON ndash Medicaid and CHIP WEST VIRGINIA ndash Medicaid Website httpwwworegonhealthykidsgov httpwwwhijossaludablesoregongov Phone 1shy877shy314shy5678
Website wwwdhhrwvgovbms Phone 1shy877shy598shy5820 HMS Third Party Liability
PENNSYLVANIA ndash Medicaid WISCONSIN ndash Medicaid Website httpwwwdpwstatepaushipp Phone 1shy800shy692shy7462
Website httpwwwbadgercareplusorgpubspshy10095htm Phone 1shy800shy362shy3002
RHODE ISLAND ndash Medicaid WYOMING ndash Medicaid Website wwwohhsrigov Phone 401shy462shy5300
Website httphealthwyogovhealthcarefinequalitycare Phone 307shy777shy7531
To see if any more States have added a premium assistance program since January 31 2013 or for more information on special enrollment rights you can contact either
US Department of Labor Employee Benefits Security Administration wwwdolgovebsa 1shy866shy444shyEBSA (3272)
US Department of Health and Human Services Centers for Medicare amp Medicaid Services wwwcmshhsgov 1shy877shy267shy2323 Ext 61565
OMB Control Number 1210shy0137 (expires 09302013)
85
Temporary Continuation of Coverage (TCC)
This section provides basic information about the Temporary Continuation of Coverage (TCC) provisions of the FEHB Program
What does TCC offer
TCC allows former tribal employees and formerly eligible family members to continue their FEHB Program coverage for a limited period TCC offers the same FEHB coverage and benefits that are available to tribal employees
Who is Eligible for TCC
Individuals eligible for TCC include
bull Former tribal employees whose FEHB coverage ended because they separated from tribal employment (including retirement) unless they were separated for gross misconduct
bull Children who lose coverage under a Self and Family FEHB enrollment of a current or former tribal employee because they are no longer considered eligible family members and
bull Former (divorced) spouses who lose coverage under a Self and Family FEHB enrollment of a current or former tribal employee
Which family members are eligible
Family members covered under your Self and Family TCC enrollment include
bull Your spouse (including a valid common law marriage)
bull Children under age 26 including recognized natural children legally adopted children and
stepchildren Foster children are included if they meet certain requirements
bull Your child age 26 or over who is incapable of selfshysupport because of a mental or physical
disability that existed before age 26
Note In determining whether the child is a covered family member your tribal employer will look at the childrsquos relationship to you as an FEHB enrollee
What TCC enrollment types are available
bull Self Only which only covers the TCC enrollee or
bull Self and Family which covers the TCC enrollee and all eligible family members
Note A former (divorced) spousersquos eligible family members are limited to children of both the tribal employee and the former spouse
5
Temporary Continuation of Coverage (TCC)
How much does it cost Under TCC you pay the total monthly premium (enrolleersquos share plus the tribal employerrsquos share) plus a 2 percent administrative charge The charts in Appendix E provide cost information for all plans in the FEHB Program
When can I enroll
Individuals eligible for TCC generally must enroll within 60 days after the qualifying event permitting enrollment or after receiving notice of eligibility from the tribal employer whichever is later The opportunity to elect TCC ends 60 days after the qualifying event if (1) you do not notify your tribal employer within 60 days of your childrsquos loss of coverage or (2) you or your former (divorced) spouse do not notify your tribal employer within 60 days of your divorce
How do I enroll
You must enroll by completing the Health Benefits Election Form (SF 2809) This form is available on our website at wwwopmgovformspdf_fillsf2809pdf You can find information and guidance on the SF 2809 at wwwopmgovhealthcareshyinsuranceindianshytribesreferenceshymaterialsenrollmentshyformshy2809shyemployeeshyguidancepdf
If you are a former tribal employee contact your tribal employer If you are a child contact the tribal employer of your parent who is the FEHB enrollee If you are a former (divorced) spouse contact the tribal employer of your former spouse
When can I change my TCC enrollment Former tribal employees children andor former (divorced) spouses with an existing TCC enrollment may change their enrollment during the annual Open Season or based upon a qualifying life event (QLE) A QLE is a term defined by OPM to describe events that may allow you to change your FEHB enrollment
A complete listing of QLEs can be found in Table 4 of the Tables of Permissible Changes of the SF 2809 at wwwopmgovformspdf_fillsf2809pdf
Be aware this information only applies to individuals with an existing TCC enrollment and that time limits apply for requesting changes
6
Temporary Continuation of Coverage (TCC)
When does my TCC coverage end
If you are a former tribal employee TCC ends on the date that is 18 months after the date of your separation from tribal employment
If you are a child TCC ends on the date that is 36 months from the date you cease being an eligible family member for FEHB purposes
If you are a former (divorced) spouse TCC ends on the date that is 36 months from the date you cease being an eligible family member for FEHB purposes
Note As a TCC enrollee you may voluntarily cancel your TCC enrollment at any time However once your cancellation takes effect you cannot reenroll in the FEHB Program You will not be entitled to a 31shyday extension of coverage for conversion to a nonshygroup (private) policy Family members who lose coverage upon your cancellation may enroll only if they are eligible for FEHB in their own right as tribal employees
If your TCC enrollment terminates because you acquire other FEHB coverage and that coverage ends before your original TCC eligibility period ends you may reenroll for the time remaining until your original TCC ending date
How do I get more information about TCC
Visit FEHB online at wwwopmgovhealthcareshyinsuranceindianshytribeshealthshyinsurance for more information about Temporary Continuation of Coverage
7
FEHB Program Health Information Technology and PriceCost Transparency
Did You Knowhellip Health Information Technology can improve your health
What is Health Information Technology Health Information Technology (HIT) allows doctors and hospitals to manage medical information and to securely exchange information among patients and providers In a variety of ways HIT has a demonstrated benefit in improving health care quality preventing medical errors reducing costs and decreasing paperwork
What are examples of HIT at work
bull You can go online to review your medical pharmacy and laboratory claims information
bull If you complete a Health Risk Assessment (HRA) your health plan can identify you as a candidate for case management or disease management and offer suggestions on healthy lifestyle strategies and how to reduce or eliminate health risks Health plans can provide you with tips and educational material about good health habits information about routine care that is age and gender appropriate
bull Physicians can have the very best clinical guidelines at their fingertips for managing and treating diseases
bull While with a patient a physician can enter a prescription on a computer where potential allergies and adverse reactions are shown immediately
bull Computer alerts are sent to physicians to remind them of a patientrsquos preventive care needs and to track referrals and test results
One feature of HIT is the Personal Health Record (PHR) The electronic version of your medical records allows you to maintain and manage health information for yourself and your family in a private and secure electronic environment Some health plans include your medical claims data in your PHR which gives a more complete picture of your health status and history
You can also find a PHR on OPMrsquos website at wwwopmgovhealthcareshyinsurancespecialshyinitiativesmanagingshymyshyownshyhealth This PHR is a fillable and downloadable form that you complete yourself and save on your home computer We encourage you to take a look at this PHR option and if you determine it will fulfill your recordshykeeping needs take advantage of this opportunity
Pricecost transparency is another element of health information technology For example many health plans allow you to use online tools that will show what the plan will pay on average for a specific procedure or for a specific prescription drug You can also review healthcare quality indicators for physician and hospital services
The health plans listed on our HIT website at wwwopmgovhealthcareshyinsurancehealthcarereferenceshymaterialsurl=HIT have taken steps to help you become a better consumer of health care and have met OPMrsquos HIT quality and pricecost transparency standards
No one is more responsible for your health care than you ndash HIT tools can help
8
Appendix A FEHB Program Features
No waiting periods You can use your benefits as soon as your coverage becomes effective There are no preshyexisting condition limitations
A choice of coverage You can choose Self Only coverage just for you or Self and Family coverage for you your spouse and children under age 26 Under certain circumstances your FEHB enrollment may cover your disabled child 26 years old or older who is incapable of selfshysupport
A choice of plans and options The FEHB Program offers FeeshyforshyService plans plans offering a PointshyofshyService product Health Maintenance Organizations High Deductible Health Plans and ConsumershyDriven Health Plans
Employing office contributions Your tribal employer pays at a minimum 72 percent of the average premium of all plans toward the total cost of your premium Please check with your tribal employer for exact rates
Salary deductions You pay your share of the premium through a payroll deduction If your tribal employer participates in premium conversion you may choose to pay your share of the FEHB premium with preshytax dollars
Enrollment opportunities Each year you can enroll or change your health plan enrollment during the annual Open Season Open Season runs from the Monday of the second full work week in November to the Monday of the second full work week in December This year Open Season will run from November 11 through December 9 2013 Also certain qualifying life events (QLEs) allow for certain types of changes throughout the year see your tribal employer for details
Continued group coverage The FEHB Program offers continued FEHB coverage bull For you or your family when you move transfer or go on leave without pay or enter military service (certain rules about coverage and premium amounts apply see your tribal employer)
Coverage after FEHB ends The FEHB Program offers temporary continuation of coverage (TCC) and conversion to nonshygroup (private) coverage bull For you and your family if you leave your job or retire bull For your covered child if he or she turns age 26 or bull For your former spouse when you divorce
Coverage for family members if you die Your surviving family members may be eligible to continue coverage as described below bull If you have a Self and Family FEHB enrollment with only a spouse your spouse is eligible for conversion to nonshygroup (private) coverage bull If you have a Self and Family FEHB enrollment with a child or children the child(ren) are eligible for Temporary Continuation of Coverage (TCC) and may cover your spouse Eligible family members may convert to nonshygroup (private) coverage when TCC expires at the end of 36 months
If you lose coverage under the FEHB Program you should automatically receive a Certificate of Group Health Plan Coverage from the last FEHB plan to cover you If not the plan must give you one on request This certificate may be important to qualify for benefits if you join a nonshyFEHB plan
9
Appendix B Choosing an FEHB Plan
What type of health plan is best for you You have some basic questions to answer about how you pay for and access medical care Here are the different types of plans from which to choose
Types of Plans Choice of doctors hospitals pharmacies and other providers
Specialty care Outshyofshypocket costs Paperwork
FeeshyforshyService wPPO (Preferred Provider Organization)
You must use the planrsquos network to reduce your outshyofshypocket costs For BCBS Basic Option you must use Preferred providers for your care to be eligible for benefits
Referral not required to get benefits
You pay fewer costs if you use a PPO provider than if you donrsquot
Some if you donrsquot use network providers
Health Maintenance You generally must Referral generally Your outshyofshypocket Little if any Organization use the planrsquos network
to reduce your outshyofshypocket costs
required from primary care doctor to get benefits
costs are generally limited to copayments
PointshyofshyService You must use the planrsquos network to reduce your outshyofshypocket costs You may go outside the network but you will pay more
Referral generally required to get maximum benefits
You pay less if you use a network provider than if you donrsquot
Little if you use the network You have to file your own claims if you donrsquot use the network
ConsumershyDriven You may use network Referral not required You will pay an Some if you donrsquot use Health Plans and nonshynetwork
providers You will pay more by not using the network
to get maximum benefits from PPOs
annual deductible and costshysharing You pay less if you use the network
network providers You file a claim to obtain reimbursement from your HRA
High Deductible Health Plans wHealth Savings Account (HSA) or Health Reimbursement Arrangement (HRA)
Some plans are network only others pay something even if you do not use a network provider
Referral not required to get maximum benefits from PPOs
You will pay an annual deductible and costshysharing You pay less if you use the network
Some if you donrsquot use network providers If you have an HSA or HRA account you may have to file a claim to obtain reimbursement
10
Appendix B Choosing an FEHB Plan
What should you consider when choosing a plan Having a variety of plans to choose from is a good thing but it can make the process confusing We have a tool on our website that will help you narrow your plan choice based on the benefits that are important to you go to wwwopmgovhealthcareshyinsuranceindianshytribeshealthshyinsurance You can also find help in selecting a plan using tools provided by PlanSmartChoice at wwwplansmartchoicecomregistrationaspx
Ask yourself these questions
1 How much does the plan cost This includes the premium you pay
2 What benefits does the plan cover Make sure the plan covers the services or supplies that are important to you and know its limitations and exclusions
3 What are my outshyofshypocket costs Does the plan charge a deductible (the amount you must first pay before the plan begins to pay benefits) What is the copayment or coinsurance (the amount you share in the cost of the service or supply)
4 Who are the doctors hospitals and other care providers I can use Your costs are lower when you use providers who are part of the plan these are ldquoinshynetworkrdquo providers
5 How well does my plan provide quality care Quality care varies from plan to plan and here are three sources for reviewing quality
bull Member survey results ndash evaluations by current plan members are posted within the health plan benefit charts in this Guide
bull Effectiveness of care ndash how a plan performs in preventing or treating common conditions is measured by the Healthcare Effectiveness Data and Information Set and is found at wwwopmgovhealthcareshyinsurancehealthcareplanshyinformationqualityshyhealthcareshyscores
bull Accreditation ndash evaluations of health plans by independent accrediting organizations Check the cover of your health planrsquos brochure for its accreditation level or go to httpreportcardncqaorgplanexternalplansearchaspx
1111
Appendix B Choosing an FEHB Plan
Definitions
Brand name drug shy A prescription drug that is protected by a patent supplied by a single company and marketed under the manufacturerrsquos brand name
Coinsurance shy The amount you pay as your share for the medical services you receive such as a doctorrsquos visit Coinsurance is a percentage of the planrsquos allowance for the service (you pay 20 for example)
Copayment shy The amount you pay as your share for the medical services you receive such as a doctorrsquos visit A copayment is a fixed dollar amount (you pay $15 for example)
Deductible shy The dollar amount of covered expenses an individual or family must pay before the plan begins to pay benefits There may be separate deductibles for different types of services For example a plan can have a prescription drug benefit deductible separate from its calendar year deductible
Formulary or Prescription Drug List shy A list of both generic and brand name drugs often made up of different costshysharing levels or tiers that are preferred by your health plan Health plans choose drugs that are medically safe and cost effective A team including pharmacists and physicians determines the drugs to include in the formulary
Generic Drug shy A generic medication is an equivalent of a brand name drug A generic drug provides the same effectiveness and safety as a brand name drug and usually costs less A generic drug may have a different color or shape than the brand name but it must have the same active ingredients strength and dosage form (pill liquid or injection)
InshyNetwork shy You receive treatment from the doctors clinics health centers hospitals medical practices and other providers with whom your plan has an agreement to care for its members
OutshyofshyNetwork shy You receive treatment from doctors hospitals and medical practitioners other than those with whom the plan has an agreement at additional cost Members who receive services outside the network may pay all charges
Premium Conversion shy Premium conversion allows tribal employees who are eligible for FEHB the opportunity to pay their share of FEHB premiums with preshytax dollars In order for tribal employees to participate in premium conversion their tribal employer must have a premium conversion plan Premium conversion plans are governed by the Internal Revenue Code and IRS rules govern when participants may change their enrollment or cancel outside of the annual Open Season
Provider shy A doctor hospital health care practitioner pharmacy or health care facility
Qualifying Life Events shy An event that may allow enrollees in the FEHB Program to change their health benefits enrollment outside of an Open Season These events also apply to tribal employees under premium conversion and include events such as change in family status or change in employment status
Additional definitions are located at the beginning of the sections introducing the different types of health plans
12
Appendix C Qualifying Life Events
Note This information does not apply to individuals who have a Temporary Continuation of Coverage (TCC) FEHB enrollment Please see the TCC section of this Guide if you are a current TCC enrollee
Qualifying Life Events
A qualifying life event (QLE) is a term defined by OPM to describe events that may allow a tribal employee to enroll in the FEHB Program make changes to hisher FEHB enrollment or make changes to hisher premium conversion participation if applicable
Outside of Open Season you can make changes to your FEHB enrollment if you experience certain QLEs The most common QLEs for changing FEHB enrollment type or plan are marriage acquiring a child moving away from the service area of your Health Maintenance Organization (HMO) losing health insurance coverage or changing employment status Your eligibility to make certain changes to your FEHB enrollment will depend upon whether or not you participate in premium conversion
Tribal Employees who Participate in Premium Conversion
Premium conversion allows tribal employees who are eligible for FEHB the opportunity to pay their share of FEHB premiums with preshytax dollars Your tribal employer may choose whether or not to have a premium conversion plan If your tribal employer has a premium conversion plan you may choose to participate or not participate If your tribal employer does not have a premium conversion plan you may not participate
Premium conversion plans are governed by the Internal Revenue Code and IRS rules govern when you may change your FEHB enrollment or premium conversion status outside of the annual Open Season If you experience a QLE you may change your FEHB enrollment (including a change to Self Only or cancellation) provided the action is consistent with the QLE
If you participate in premium conversion please refer to QLE Table 1 of the Standard Form (SF) 2809 at wwwopmgovformspdf_fillsf2809pdf for detailed information If you need assistance in accessing the SF 2809 or have additional questions please contact your tribal employer
Tribal Employees who do not Participate in Premium Conversion
If your tribal employer does not have a premium conversion plan or if they have a plan and you choose not to participate you are not subject to IRS rules for when you can make certain changes to your FEHB enrollment However you are subject to OPM rules for employees who do not participate in premium conversion
An important difference is that a tribal employee who does not participate in premium conversion may cancel hisher FEHB enrollment or change from a Self and Family to a Self Only enrollment at any time
If you do not participate in premium conversion please refer to QLE Table 5 of the SF 2809 at wwwopmgovformspdf_fillsf2809pdf for detailed information If you need assistance in accessing the SF 2809 or have additional questions please contact your tribal employer
13
Appendix D FEHB Member Survey Results
Each year FEHB plans with 500 or more subscribers mail the Consumers Assessment of Healthcare Providers and Systems (CAHPS)1 to a random sample of plan members For Health Maintenance Organizations (HMO)PointshyofshyService (POS) and High Deductible Health Plans (HDHP) and ConsumershyDriven Health Plans (CDHP) the sample includes all commercial plan members including nonshyFederal members For FeeshyforshyService (FFS)Preferred Provider Organization (PPO) plans the sample includes Federal members only The CAHPS survey asks questions to evaluate membersrsquo satisfaction with their health plans Independent vendors certified by the National Committee for Quality Assurance administer the surveys
OPM reports each planrsquos scores on the various survey measures by showing the percentage of satisfied members on a scale of 0 to 100 Also we list the national average for each measure Since we offer HMO plans FFSPPO plans HDHP and CDHP plans we compute a separate national average for each plan type
Survey findings and member ratings are provided for the following key measures of member satisfaction
bull Overall Plan Satisfaction ndash This measure is based on the question ldquoUsing any number from 0 to 10 where 0 is the worst health plan possible and 10 is the best health plan possible what number would you use to rate your health planrdquo We report the percentage of respondents who rated their plan 8 or higher
bull Getting Needed Care ndash How often was it easy to get an appointment the care tests or treatment you thought you needed through your health plan
bull Getting Care Quickly ndash When you needed care right away how often did you get care as soon as you thought you needed Not counting the times you needed care right away how often did you get an appointment at a doctors office or clinic as soon as you wanted
bull How Well Doctors Communicate ndash How often did your personal doctor explain things in a way that was easy to understand How often did your personal doctor listen carefully to you show respect for what you had to say and spend enough time with you
bull Customer Service ndash How often did your health planrsquos customer service department give you the information or help you needed How often did your health planrsquos customer service staff treat you with courtesy and respect How often were the forms from your health plan easy to fill out
bull Claims processing ndash How often did your health plan handle your claims quickly and correctly
bull Plan Information on Costs ndash How often were you able to find out from your health plan how much you would have to pay for a health care service or equipment or for specific prescription drug medicines
In evaluating plan scores you can compare individual plan scores against other plans and against the national averages Generally new plans and those with fewer than 500 FEHB subscribers do not conduct CAHPS Therefore some of the plans listed in the Guide will not have survey data 1 CAHPS is a registered trademark of the Agency for Healthcare Research and Quality (AHRQ)
14
Appendix E FEHB Plan Comparison Charts
Nationwide FeeshyforshyService Plans (Pages 16 through 19)
FeeshyforshyService (FFS) plans with a Preferred Provider Organization (PPO) ndash A FeeshyforshyService plan provides flexibility in using medical providers of your choice You may choose medical providers who have contracted with the health plan to offer discounted charges You may also choose medical providers who do not contract with the plan but you will pay more of the cost
Medical providers who have contracts with the health plan (Preferred Provider Organization or PPO) have agreed to accept the health planrsquos reimbursement You usually pay a copayment or a coinsurance amount and do not file claims or other paperwork Going to a PPO hospital does not guarantee PPO benefits for all services received in the hospital however Lab work radiology and other services from independent practishytioners within the hospital are frequently not covered by the hospitalrsquos PPO agreement If you receive treatshyment from medical providers who are not contracted with the health plan you either pay them directly and submit a claim for reimbursement to the health plan or the health plan pays the provider directly according to plan coverage and you pay a deductible coinsurance or the balance of the billed charge In any case you pay a greater amount in outshyofshypocket costs
PPOshyonly ndash A PPOshyonly plan provides medical services only through medical providers that have contracts with the plan With few exceptions there is no medical coverage if you or your family members receive care from providers not contracted with the plan
FeeshyforshyService plans open only to specific groups ndash Several FeeshyforshyService plans that are sponshysored or underwritten by an employee organization strictly limit enrollment to persons who are members of that organization If you are not certain if you are eligible check with your human resources office first
The Health Maintenance Organization (HMO) and PointshyofshyService (POS) section begins on page 21
The High Deductible Health Plan (HDHP) and ConsumershyDriven Health Plan (CDHP) section begins on page 60
Please note that the premium rates provided are the maximum amount you will be expected to pay for your premium Your tribal employer may choose to pay a higher portion of your premium Please check with your tribal employer for exact rates
The tables on the following pages highlight selected features that may help you narrow your choice of health plans The tables do not show all of your possible outshyofshypocket costs All benefits are subject to the definitions limitations and exclusions set forth in each planrsquos Federal brochure which is the official statement of benefits available under the planrsquos contract with the Office of Personnel Management Always consult plan brochures before making your final decision
15
Nationwide FeeshyforshyService Plans
How to read this chart
The table below highlights selected features that may help you narrow your choice of health plans Always consult plan brochures before making your final decision The chart does not show all of your possible outshyofshypocket costs
The Deductibles shown are the amount of covered expenses that you pay before your health plan begins to pay
Calendar Year deductibles for families are two or more times the per person amount shown
In some plans your combined Prescription Drug purchases from Mail Order and local pharmacies count toward the deductible In other plans only purchases from local pharmacies count Some plans require each family member to meet a per person deductible
The Hospital Inpatient deductible is what you pay each time you are admitted to a hospital
Doctors shows what you pay for inpatient surgical services and for office visits
Your share of Hospital Inpatient Room and Board covered charges is shown
Your Maximum Monthly Premium is the maximum amount you will pay for your premium Your tribal employer may choose to pay a higher portion of your premium Check with your tribal employer for exact rates
Temporary Continuation of Coverage (TCC) allows former tribal employees and formerly eligible family members to continue their FEHB coverage for a limited period Under TCC you pay the total monthly premium (enrolleersquos share plus the tribal employerrsquos share) plus a 2 administrative charge which equals 102 of Total Monthly Premium
Plan Name Open to All Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your
Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
APWU Health Plan (APWU) shyhigh
Blue Cross and Blue Shield Service Benefit Plan (BCBS) shystd
Blue Cross and Blue Shield Service Benefit Plan (BCBS) shybasic
GEHA Benefit Plan (GEHA) shyhigh
GEHA Benefit Plan (GEHA) shystd
MHBP shystd
MHBP shyValue Plan
NALC shyhigh
NALC Value Option
SAMBA shyhigh
SAMBA shystd
800shy222shy2798
Local phone
Local phone
800shy821shy6136
800shy821shy6136
800shy410shy7778
800shy410shy7778
888shy636shy6252
888shy636shy6252
800shy638shy6589
800shy638shy6589
471
104
111
311
314
454
414
321
KM1
441
444
472
105
112
312
315
455
415
322
KM2
442
445
13670
19028
13209
20317
10418
20913
11302
16122
9001
27523
13171
30910
44412
30930
48310
23691
50565
26946
32727
19546
70356
30081
55776
62875
53893
64190
42505
64798
46114
59911
36724
71540
53739
126114
142015
126195
145991
96659
148291
109939
130096
79748
168477
122733
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
16
Prescription Drugs ndash Prescription Drug Payment Levels shy Plans use terms such as Level (L I L II) or Tier (T1 T2) to show what you pay for generic or brand name prescription drugs The payment levels that plans use follow L I or Tier 1 includes generic drugs but may include some preferred brands L II or Tier 2 includes preferred brands and may include some generics L III or Tier 3 includes nonshypreferred brands other covered drugs and with some exceptions specialty drugs L IV or Tier 4 includes mostly preferred specialty drugs L V or Tier 5 generally includes nonshypreferred specialty drugs
Mail Order Discounts ndash If your plan has a Mail Order program (typically for maintenance drugs) and its response is ldquoYesrdquo in general its Mail Order program is superior to its retail pharmacy benefit (eg you obtain a greater quantity for less cost than retail pharmacy purchases) If your plan does not have a Mail Order program or it does not offer a superior benefit to retail pharshymacy purchases the response will be ldquoNordquo
The prescription drug copayments or coinsurances described in this chart do not represent the complete range of costshysharing under these plans Many plans have variations in their prescription drug benefits (eg you pay the greater of a dollar amount or a percentage or you pay one amount for your first prescription and then a different amount for refills) You must read the plan brochure for a complete description of prescription drug and all other benefits
MedicalshySurgical ndash You Pay
Copay ($)Coinsurance ()
Plan
APWU shyhigh
BCBS shystd
BCBS shybasic
GEHA shyhigh
GEHA shystd
MHBP shystd
MHBP shyvalue
NALC shyhigh
NALC shyValue
SAMBA shyhigh
SAMBA shystd
Benefit Type
Per Person
Calendar Year
Prescription Drug
Hospital Inpatient
Do
Office Visits
ctors
Inpatient Surgical Services
Hospital Inpatient
RampB Level I
Prescription Drugs
Level II Level III
PPO $275 None None $18 10 10 $8 2525 Yes NonshyPPO $500 None $300 30+diff 30+diff 30 50 5050 Yes
PPO $350 None $250 $20 15 Nothing 2015 Medicare B T2 30$80 T3 45$105 Yes NonshyPPO $350 None $350 + 35+ 35+ 35+ Nothing 45+ T1shyT5 T4 30$35$95 T5 30$55$155 Yes
PPO None None $175day $875 Max $25 $200 Nothing $1030day $3090day T2 $45 T3 50($55Min) T4 $50to$140 T5 $70to$195
NA
PPO $350 None $100 $20 10 Nothing $10 25 Max $150NA Yes NonshyPPO $350 None $300 25 25 Nothing $10 25 Max $150 +NA Yes
PPO $350 None None $10 15 15 $10 50 Max $200NA Yes NonshyPPO $350 None None 35 35 35 $10 50 Max $200 +NA Yes
PPO $400 None $200 $20 10 Nothing $5 30($200 max)50($200 max) Yes NonshyPPO $600 None $500 30 30 30 50 5050 Yes
PPO $600 None None $30 20 20 $10 4575 Yes NonshyPPO $900 Not Covered None 40 40 40 Not Covered Not Covered Yes
PPO $300 None $200 $20 15 Nothing 20 3045 Yes NonshyPPO $300 None $350 30 30 30 45+ 45+45+ Yes
NonshyPPO $4000 None 50 50 50 50 50 5050+ No PPO $2000 None 20 20 20 20 $10 $40$60 No
PPO $300 None $200 $20 10 Nothing $8 20($55 max)35($100 max) Yes NonshyPPO $300 None $300 30 30 30 $8 20($55 max)35($100 max) Yes
PPO $350 None $150 up to $450 $20 15 Nothing $8 30($70 max)40($110 max) Yes NonshyPPO $350 None $200 up to $600 35 35 35 $8 30($70 max)40($110 max) Yes
Deductible
Mail Order Discounts
17
Nationwide FeeshyforshyService Plans
Member Survey results are collected scored and reported by an independent organization ndash not by the health plans See Appendix D for a fuller explanation of each survey category
Overall Plan Satisfaction bull How would you rate your overall experience with your health plan
Getting Needed Care bull How often was it easy to get an appointment the care tests or treatment you thought you needed through your health plan
Getting Care Quickly bull When you needed care right away how often did you get care as soon as you thought you needed bull Not counting the times you needed care right away how often did you get an appointment at a doctorrsquos office or clinic as soon as you thought you needed
How Well Doctors bull How often did your personal doctor explain things in a way that was easy to understand Communicate bull How often did your personal doctor listen carefully to you show respect for what you had to say and spend enough time with you
Customer Service bull How often did written materials or the Internet provide the information you needed about how your health plan works bull How often did your health planrsquos customer service give you the information or help you needed bull How often were the forms from your health plan easy to fill out
Claims Processing bull How often did your health plan handle your claims quickly and correctly
Plan Information on Costs bull How often were you able to find out from your health plan how much you would have to pay for a health care service or equipment or for specific prescription drug medicines
APWU Health Plan shyhigh
Blue Cross and Blue Shield Service Benefit Plan shystd
Blue Cross and Blue Shield Service Benefit Plan shybasic
GEHA Benefit Plan shyhigh
GEHA Benefit Plan shystd
MHBP shystd
MHBP shyValue Plan
NALC shyhigh
NALC shyValue Option
SAMBA shyhigh
SAMBA shystd
Plan Name Open to All
FFS National A
Member Survey Results
47 47
10 10
11
31 31
31 31
45 45
41 41
32 32
KM KM
44 44
44 44
Plan Code
verage 805
772
835
757
838
725
84
63
856
897
816
Overall plan satisfaction
927
927
946
896
934
907
938
908
936
947
93
Getting needed care
917
935
917
891
922
895
916
857
922
943
905
Getting care quickly
951
951
955
95
961
949
935
929
959
96
956
How well doctors
communicate
911
89
926
921
912
875
906
866
934
946
911
Customer service
934
921
956
936
929
926
954
887
965
953
946
Claims processing
716
682
703
643
699
688
696
636
771
789
757
Plan Information on Costs
18
FeeshyforshyService Plans ndash Blue Cross and Blue Shield Service Benefit Plan ndash Member Survey Results for Select States
Again this year we are providing more detailed information regarding the quality of services provided by our health plans We are including the results of the Member Satisfaction survey at the state level for eight local Blue Cross Blue Shield (BCBS) Plans
Plan Name Location
Member Survey Results
Plan Code
Overall plan satisfaction
Getting needed care
Getting care quickly
How well doctors
communicate Customer service
Claims processing
Plan Inforshymation on Costs
FFS National Average 805 927 917 951 911 934 716
Blue Cross and Blue Shield Service shy Standard Benefit Plan shy Basic
Arizona 10 11
851 747
905 898
919 884
933 923
938 914
969 928
724 680
Blue Cross and Blue Shield Service shy Standard Benefit Plan shy Basic
California 10 11
809 705
915 873
897 840
954 943
881 910
937 912
677 616
Blue Cross and Blue Shield Service shy Standard Benefit Plan shy Basic
District of Columbia 10 11
768 691
935 893
930 874
951 940
882 881
898 922
657 622
Blue Cross and Blue Shield Service shy Standard Benefit Plan shy Basic
Florida 10 11
864 806
942 916
922 894
952 947
934 916
954 937
733 660
Blue Cross and Blue Shield Service shy Standard Benefit Plan shy Basic
Illinois 10 11
861 796
933 912
934 881
955 950
901 936
972 938
712 653
Blue Cross and Blue Shield Service shy Standard Benefit Plan shy Basic
Maryland 10 11
857 770
931 897
917 898
954 940
897 921
956 967
713 666
Blue Cross and Blue Shield Service shy Standard Benefit Plan shy Basic
Texas 10 11
887 825
934 898
931 883
950 955
936 910
957 967
721 617
Blue Cross and Blue Shield Service shy Standard Benefit Plan shy Basic
Virginia 10 11
871 782
924 901
929 894
966 962
914 917
959 960
708 681
19
The tables on the following pages highlight selected features that may help you narrow your choice of health plans The tables do not show all of your possible outshyofshypocket costs All benefits are subject to the definitions limitations and exclusions set forth in each planrsquos Federal brochure which is the official statement of benefits available under the planrsquos contract with the Office of Personnel Management Always consult plan brochures before making your final decision
20
Appendix E FEHB Plan Comparison Charts
Health Maintenance Organization Plans and Plans Offering a PointshyofshyService Product
(Pages 22 through 59)
Health Maintenance Organization (HMO) ndash A Health Maintenance Organization provides care through a network of physicians and hospitals in particular geographic or service areas HMOs coordinate the health care service you receive and free you from completing paperwork or being billed for covered services Your eligibility to enroll in an HMO is determined by where you live or for some plans where you work bull The HMO provides a comprehensive set of services ndash as long as you use the doctors and hospitals affiliated with the HMO
HMOs charge a copayment for primary physician and specialist visits and sometimes a copayment for inshyhospital care bull Most HMOs ask you to choose a doctor or medical group as your primary care physician (PCP) Your PCP provides your
general medical care In many HMOs you must get authorization or a ldquoreferralrdquo from your PCP to see other providers The referral is a recommendation by your physician for you to be evaluated andor treated by a different physician or medical professional The referral ensures that you see the right provider for the care appropriate to your condition
bull Medical care from a provider not in the planrsquos network is not covered unless itrsquos emergency care or your plan has an arrangement with another plan
Plans Offering a PointshyofshyService (POS) Product ndash A PointshyofshyService plan is like having two plans in one ndash an HMO and an FFS plan A POS allows you and your family members to choose between using (1) a network of providers in a designated service area (like an HMO) or (2) OutshyofshyNetwork providers (like an FFS plan) When you use the POS network of providers you usually pay a copayment for services and do not have to file claims or other paperwork If you use nonshyHMO or nonshyPOS providers you pay a deductible coinsurance or the balance of the billed charge In any case your outshyofshypocket costs are higher and you file your own claims for reimbursement
The tables on the following pages highlight what you are expected to pay for selected features under each plan Always consult plan brochures before making your final decision
Primary careSpecialist office visit copay ndash Shows what you pay for each office visit to your primary care doctor and specialist Contact your plan to find out what providers it considers specialists
Hospital per stay deductible ndash Shows the amount you pay when you are admitted into a hospital
Prescription drugs ndash Prescription Drug Payment Levels shy Plans use terms such as Level (L I L II) or Tier (T1 T2) to show what you pay for generic or brand name prescription drugs The payment levels that plans use follow L I or Tier 1 includes generic drugs but may include some preferred brands L II or Tier 2 includes preferred brands and may include some generics L III or Tier 3 includes nonshypreferred brands other covered drugs and with some exceptions specialty drugs L IV or Tier 4 includes mostly preferred specialty drugs L V or Tier 5 generally includes nonshypreferred specialty drugs
Mail Order Discounts ndash If your plan has a Mail Order program (typically for maintenance drugs) and its response is ldquoYesrdquo in general its Mail Order program is superior to its retail pharmacy benefit (eg you obtain a greater quantity for less cost than retail pharmacy purchases) If your plan does not have a Mail Order program or it does not offer a superior benefit to retail pharmacy purchases the response will be ldquoNordquo
Member Survey Results ndash See Appendix D for a description
Temporary Continuation of Coverage (TCC) ndash Allows former tribal employees and formerly eligible family members to continue their FEHB coverage for a limited period Under TCC you pay the total monthly premium (enrolleersquos share plus the tribal employerrsquos share) plus a 2 administrative charge which equals 102 of Your Total Monthly Premium
Your maximum monthly premium is the maximum amount you will be expected to pay for your premium Your tribal employer may choose to pay a higher portion of your premium Please check with your tribal employer for exact rates
21
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Alabama
Aetna Value Planshy Most of Alabama 877shy459shy6604
Alaska
Aetna Value Planshy Most of Alaska 877shy459shy6604
Arizona
Aetna Value Planshy All of Arizona 877shy459shy6604
Aetna Open Access shyHighshy Phoenix and Tucson Areas 877shy459shy6604
Health Net of Arizona Inc shyHighshy MaricopaPimaOther AZ counties 800shy289shy2818
Health Net of Arizona Inc shyStdshy MaricopaPimaOther AZ counties 800shy289shy2818
Humana Health Plan Inc shyHighshy Phoenix 888shy393shy6765
Humana Health Plan Inc shyStdshy Phoenix 888shy393shy6765
Humana Health Plan Inc shyHighshy Tucson 888shy393shy6765
Humana Health Plan Inc shyStdshy Tucson 888shy393shy6765
Arkansas
Aetna Value Planshy Most of Arkansas 877shy459shy6604
QualChoice shyHighshy All of Arkansas 800shy235shy7017
QualChoice shyStdshy All of Arkansas 800shy235shy7017
F54 F55
JS4 JS5
G54 G55
WQ1 WQ2
A71 A72
A74 A75
BF1 BF2
BF4 BF5
C71 C72
C74 C75
F54 F55
DH1 DH2
DH4 DH5
13058 29656
17258 41140
12822 29119
33482 89188
26548 80303
19509 62476
13880 30882
12491 27794
15825 35210
13149 29256
13058 29656
30353 76056
14296 38452
53279 120995
61069 138677
52315 118808
77618 187686
70545 178623
63365 160440
56629 125999
50965 113400
59608 132629
53648 119367
53279 120995
74426 174291
58048 135935
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
22
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay
deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How
well
doctors
communicate
Customer
service
Claims
processing
Plan
Information
on
Costs
Alabama
Aetna Value Plan InshyNetwork $25$40 20 $10
HMOPOS Nationa
30to$60050 to$1200 Yes
l Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Alaska
Aetna Value Plan InshyNetwork
4040
$25$40
40
20
50+
$10
50+50+
30to$60050 to$1200
No
Yes Aetna Value Plan OutshyNetwork
Arizona
Aetna Value Plan InshyNetwork
4040
$25$40
40
20
50+
$10
50+50+
30to$60050 to$1200
No
Yes Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Health Net of Arizona IncshyHigh
Health Net of Arizona IncshyStandard
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
Arkansas
Aetna Value Plan InshyNetwork
4040
$20$35
$20$40
$25$50
$20$35
$25$40
$20$35
$25$40
$25$40
40
$250day x 4
$250dayx5
25
$250day x 3
$500day x 3
$250day x 3
$500day x 3
20
50+
$10
$10
$10
$10
$10
$10
$10
$10
50+50+
$35$100
$3050
$4050
$40$60
$40$60
$40$60
$40$60
30to$60050 to$1200
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
602
676
676
838
888
888
861
843
843
923
939
939
849
884
884
918
921
921
636
686
686
Aetna Value Plan OutshyNetwork
QualChoice InshyNetwork
QualChoice OutshyNetwork
QualChoice InshyNetwork
4040
$20$30
4040
$20$40
40
$100max$500
40
$200max$1000
50+
$0
NA
$5
50+50+
$40$60
NA
$40$60
No
Yes
NA
Yes
23
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
California
Aetna Value Planshy Most of California 877shy459shy6604
Aetna HMO shy Los Angeles and San Diego Areas 877shy459shy6604
Anthem Blue Cross Select HMO shyHighshy Southern California 800shy235shy8631
Blue Shield of CA Access+HMO shyHighshy Southern Region 800shy880shy8086
Health Net of California shyHighshy Northern Region 800shy522shy0088
Health Net of California shyStdshy Northern Region 800shy522shy0088
Health Net of California shyHighshy Southern Region 800shy522shy0088
Health Net of California shyStdshy Southern Region 800shy522shy0088
Kaiser Foundation Health Plan shy Basic Option shy Northern California 800shy464shy4000
Kaiser Foundation Health Plan of California shyHighshy Northern California 800shy464shy4000
Kaiser Foundation Health Plan of California shyStdshy Northern California 800shy464shy4000
Kaiser Foundation Health Plan of California shyHighshy Southern California 800shy464shy4000
Kaiser Foundation Health Plan of California shyStdshy Southern California 800shy464shy4000
UnitedHealthcare of California shyHighshy Central and Southern California 866shy546shy0510
UnitedHealthcare of California shyStdshy Central and Southern California 866shy546shy0510
Colorado
Aetna Value Planshy All of Colorado 877shy459shy6604
Kaiser Foundation Health Plan of Colorado shyHighshy DenverBoulderSouthern Colorado areas 800shy632shy9700
Kaiser Foundation Health Plan of Colorado shyStdshy DenverBoulderSouthern Colorado areas 800shy632shy9700
Connecticut
Aetna Value Planshy All of Connecticut 877shy459shy6604
Delaware
Aetna Value Planshy All of Delaware 877shy459shy6604
Aetna Open Access shyHighshy KentNew CastleSussex areas 877shy459shy6604
Aetna Open Access shyBasicshy KentNew CastleSussex areas 877shy459shy6604
JS4 JS5
2X1 2X2
B31 B32
SI1 SI2
LB1 LB2
LB4 LB5
LP1 LP2
LP4 LP5
KC1 KC2
591 592
594 595
621 622
624 625
CY1 CY2
CY4 CY5
G54 G55
651 652
654 655
EP4 EP5
EP4 EP5
P31 P32
P34 P35
17258 41140
15940 41769
18194 43825
18445 42566
77474 182834
71405 168807
30687 74663
27027 66198
18293 47705
35345 91275
22772 58183
14073 35293
9019 20845
22819 54699
13109 30036
12822 29119
23933 55581
9887 22345
12694 28827
12694 28827
64801 164359
49560 118027
61069 138677
59725 139319
62024 141416
62280 140132
122490 283205
116299 268898
74767 172871
71034 164236
62125 145373
79518 189815
66694 156061
57420 132713
36797 85048
66742 152507
53485 122549
52315 118808
67878 153407
40339 91170
51792 117616
51792 117616
109563 264361
94017 217102
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
24
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay
deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How
well
doctors
communicate
Customer
service
Claims
processing
Plan
Information
on
Costs
California
Aetna Value Plan InshyNetwork $25$40 20 $10
HMO
30to$60050 to$1200
POS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Anthem Blue Cross Select HMOshyHigh
Blue Shield of CA Access+HMOshyHigh
Health Net of CaliforniashyHigh
Health Net of CaliforniashyStandard
Health Net of CaliforniashyHigh
Health Net of CaliforniashyStandard
Kaiser Foundation HP shy Basic Option
Kaiser Foundation HP of CaliforniashyHigh
Kaiser Foundation HP of CaliforniashyStandard
Kaiser Foundation HP of CaliforniashyHigh
Kaiser Foundation HP of CaliforniashyStandard
UnitedHealthcare of CaliforniashyHigh
UnitedHealthcare of CaliforniashyStandard
Colorado
Aetna Value Plan InshyNetwork
4040
$20$35
$25$35
$20$30
$20$30
$30$50
$20$30
$30$50
$25$35
$15$25
$30$40
$15$25
$30$40
$20$35
$25$40
$25$40
40
$250day x 4
$250max4days
$200 x 3 days
$150dayx5
$750
$150dayx5
$750
20
$250
$500
$250
$500
$150day x 4
30
20
50+
$10
$5$40$60
$10
$10
$15
$10
$15
$15
$10
$15
$10
$15
$10
$10
$10
50+50+
$35$100
$5$40$70$60
$3550
$35$60
$35$65
$35$60
$35$65
$35$35
$30$30
$35$35
$30$30
$35$35
$35$60
$25$50
30to$60050 to$1200
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
579
726
67
67
67
67
798
798
833
833
701
701
766
844
816
816
816
816
884
884
828
828
80
80
781
802
81
81
81
81
848
848
807
807
804
804
896
937
93
93
93
93
925
925
932
932
923
923
769
90
831
831
831
831
872
872
878
878
825
825
849
855
841
841
841
841
793
793
771
771
889
889
648
646
638
638
638
638
63
63
687
687
57
57
Aetna Value Plan OutshyNetwork
Kaiser Foundation HP of ColoradoshyHigh
Kaiser Foundation HP of ColoradoshyStandard
Connecticut
Aetna Value Plan InshyNetwork
4040
$20$40
$20$40
$25$40
40
$250x3
10
20
50+
$10
$15
$10
50+50+
$35$60
$40$80
30to$60050 to$1200
No
Yes
Yes
Yes
722
722
884
884
873
873
936
936
876
876
879
879
622
622
Aetna Value Plan OutshyNetwork
Delaware
Aetna Value Plan InshyNetwork
4040
$25$40
40
20
50+
$10
50+50+
30to$60050 to$1200
No
Yes Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Aetna Open AccessshyBasic
4040
$20$35
$15$35
40
$250day x 4
20 Plan Allow
50+
$10
$5
50+50+
$35$100
$35$100
No
Yes
Yes
602
602
862
862
855
855
972
972
865
865
872
872
618
618
25
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
District of Columbia
Aetna Value Plan shy All of Washington DC
Aetna Open Access shyHighshy Washington DC Area
Aetna Open Access shyBasicshy Washington DC Area
CareFirst BlueChoice shyHighshy Washington DC Metro Area
CareFirst BlueChoice shyStdshy Washington DC Metro Area
Kaiser Foundation Health Plan MidshyAtlantic States shyHighshy Washington DC area
Kaiser Foundation Health Plan MidshyAtlantic States shyStdshy Washington DC area
MD IPA shyHighshy Washington DC area
Florida
Aetna Value Plan shy Most of Florida
AvMed Health Plans shyHighshy Broward Dade and Palm Beach
AvMed Health Plans shyStdshy Broward Dade and Palm Beach
Capital Health Plan shyHighshy Tallahassee area
Coventry Health Plan of Florida shyHighshy Southern Florida
Coventry Health Plan of Florida shyStdshy Southern Florida
Humana Value Plan shy Tampa Area
Humana Value Plan shy South Florida Area
Humana Medical Plan Inc shyHighshy Orlando
Humana Medical Plan Inc shyStdshy Orlando
Humana Medical Plan Inc shyHighshy South Florida
Humana Medical Plan Inc shyStdshy South Florida
Humana Medical Plan Inc shyHighshy Daytona
Humana Medical Plan Inc shyStdshy Daytona
Humana Medical Plan Inc shyHighshy Tampa
Humana Medical Plan Inc shyStdshy Tampa
877shy459shy6604
877shy459shy6604
877shy459shy6604
888shy789shy9065
888shy789shy9065
877shy574shy3337
877shy574shy3337
877shy835shy9861
877shy459shy6604
800shy882shy8633
800shy882shy8633
850shy383shy3311
800shy441shy5501
800shy441shy5501
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
F54 F55
JN1 JN2
JN4 JN5
2G1 2G2
2G4 2G5
E31 E32
E34 E35
JP1 JP2
F54 F55
ML1 ML2
ML4 ML5
EA1 EA2
5E1 5E2
5E4 5E5
MJ4 MJ5
QP4 QP5
E21 E22
E24 E25
EE1 EE2
EE4 EE5
EX1 EX2
EX4 EX5
LL1 LL2
LL4 LL5
13058 29656
46867 105610
14021 31351
21177 48693
15284 35429
16926 42124
9646 22186
20245 50123
13058 29656
20336 56279
12604 30253
11679 30949
16664 47450
12501 30003
10247 22697
10247 22697
13149 29256
11834 26331
23153 51514
15825 35210
13880 30882
12491 27794
48720 108398
15825 35208
53279 120995
91271 204437
57208 127913
65067 146381
59056 132852
60731 139681
39358 90520
64116 147840
53279 120995
64209 154119
51424 123431
47650 126273
60464 145113
51005 122414
41809 92606
41809 92606
53648 119367
48282 107430
67082 149259
59608 132629
56629 125999
50965 113400
93161 207280
59608 132627
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
26
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay
deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How
well
doctors
communicate
Customer
service
Claims
processing
Plan
Information
on
Costs
District of Columbia
Aetna Value Plan InshyNetwork $25$40 20 $10
HMOPOS Nationa
30to$60050 to$1200 Yes
l Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Aetna Open AccessshyBasic
CareFirst BlueChoiceshyHigh
CareFirst BlueChoice InshyNetwork
4040
$15$30
$20$35
$25$35
Nothing$35
40
$150day x3
10 Plan Allow
$200
$200
50+
$5
$10
Nothing
Nothing
50+50+
$35$100
$35$100
$35$65
$35$65
No
Yes
Yes
Yes
Yes
69
69
648
648
844
844
86
86
872
872
833
833
942
942
925
925
865
865
846
846
914
914
902
902
567
567
54
54 CareFirst BlueChoice OutshyNetwork
Kaiser Foundation HP MidshyAtlantic StatesshyHigh
Kaiser Foundation HP MidshyAtlantic StatesshyStandard
MD IPAshyHigh
Florida
Aetna Value Plan InshyNetwork
$70$70
$10$20
$20$30
$25$40
$25$40
$500
$100
$250dayx3
$150day x 3
20
Nothing
$7$17 Net
$12$22Net
$7
$10
$35$65
$30$50$45$65
$35$55$50$70
$30$60
30to$60050 to$1200
Yes
Yes
Yes
Yes
Yes
83
83
583
867
867
846
831
831
876
927
927
937
813
813
867
836
836
841
702
702
677
Aetna Value Plan OutshyNetwork
AvMed Health PlansshyHigh
AvMed Health PlansshyStandard
Capital Health PlanshyHigh
Coventry Health Plan of FloridashyHigh
Coventry Health Plan of FloridashyStandard
Humana Value Plan InshyNetwork
4040
$15$40
$25$45
Nothing$15
$15$30
$20$50
$35$55
40
$250dayx3
$300dayx3
$250
Ded + $150x3
Ded + $150x5
20
50+
$5
$10
$15 Tier 1
$3$20
$3$10
$10
50+50+
$30$5030
$40$6030
$40$6020
$50$7020
$40$60
$30 Tier 2 $50 Tier 3
No
No
No
No
No
No
Yes
746
746
855
514
514
877
877
905
808
808
847
847
905
764
764
957
957
953
921
921
919
919
938
827
827
87
87
946
783
783
68
68
755
535
535
Humana Value Plan OutshyNetwork
Humana Value Plan InshyNetwork
5050
$35$55
50
20
$10+
$10
$40+$60+
$40$60
No
Yes Humana Value Plan OutshyNetwork
Humana Medical Plan IncshyHigh
Humana Medical Plan IncshyStandard
Humana Medical Plan IncshyHigh
Humana Medical Plan IncshyStandard
Humana Medical Plan IncshyHigh
Humana Medical Plan IncshyStandard
Humana Medical Plan IncshyHigh
Humana Medical Plan IncshyStandard
5050
$20$35
$25$40
$20$35
$25$40
$20$35
$25$40
$20$35
$25$40
50
$250day x 3
$500day x 3
$250day x 3
$500day x 3
$250day x 3
$500day x 3
$250day x 3
$500day x 3
$10+
$10
$10
$10
$10
$10
$10
$10
$10
$40+$60+
$40$60
$40$60
$40$60
$40$60
$40$60
$40$60
$40$60
$40$60
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
529
529
86
86
824
824
937
937
846
846
843
843
687
687
27
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Georgia
Aetna Value Planshy All of Georgia
Aetna Open Access shyHighshy Atlanta and Athens Areas
Humana Value Plan shy Atlanta Area
Humana Value Plan shy Macon Area
Humana Employers Health of Georgia Inc shyHighshy Columbus
Humana Employers Health of Georgia Inc shyStdshy Columbus
Humana Employers Health of Georgia Inc shyHighshy Atlanta
Humana Employers Health of Georgia Inc shyStdshy Atlanta
Humana Employers Health of Georgia Inc shyHighshy Macon
Humana Employers Health of Georgia Inc shyStdshy Macon
Kaiser Foundation Health Plan of Georgia shyHighshy Atlanta AthensColumbusMaconSavannah
Kaiser Foundation Health Plan of Georgia shyStdshy Atlanta AthensColumbusMaconSavannah
Guam
Calvos Selectcare shyHighshy Guam Northern Mariana Islands Palau
TakeCare shyHighshy GuamNMarianaIslandsBelau(Palau)
TakeCare shyStdshy GuamNMarianaIslandsBelau(Palau)
Hawaii Aetna Value Planshy All of Hawaii
HMSA shyHighshy All of Hawaii
Kaiser Foundation Health Plan of Hawaii shyHighshy HawaiiKauaiLanaiMauiMolokaiOahu
Kaiser Foundation Health Plan of Hawaii shyStdshy HawaiiKauaiLanaiMauiMolokaiOahu
877shy459shy6604
877shy459shy6604
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy865shy5813
888shy865shy5813
671 479shy7982
671shy647shy3526
671shy647shy3526
877shy459shy6604
800shy776shy4672
808shy432shy5955
808shy432shy5955
F54 F55
2U1 2U2
AD4 AD5
LM4 LM5
CB1 CB2
CB4 CB5
DG1 DG2
DG4 DG5
DN1 DN2
DN4 DN5
F81 F82
F84 F85
B41 B42
JK1 JK2
JK4 JK5
JS4 JS5
871 872
631 632
634 635
13058 29656
44133 104232
10247 22697
10247 22697
15825 35210
13880 30882
15825 35210
13149 29256
15825 35210
13880 30882
15015 36863
10047 22957
11949 31399
12447 36018
10209 26960
17258 41140
11377 25325
14515 32578
7553 16846
53279 120995
88482 203031
41809 92606
41809 92606
59608 132629
56629 125999
59608 132629
53648 119367
59608 132629
56629 125999
58782 134315
40991 93667
48751 128109
50786 133453
41654 109996
61069 138677
46419 103326
58272 129944
30818 68731
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
28
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay
deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How
well
doctors
communicate
Customer
service
Claims
processing
Plan
Information
on
Costs
Georgia
Aetna Value Plan InshyNetwork $25$40 20 $10
HMOP
30to$60050 to$1200
OS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Humana CoverageFirst InshyNetwork
4040
$20$35
$35$55
40
$250day x 4
20
50+
$10
$10
50+50+
$35$100
$40$60
No
Yes
Yes
59 90 878 941 86 857 62
Humana CoverageFirst OutshyNetwork
Humana CoverageFirst InshyNetwork
5050
$35$55
50
20
$10+
$10
$40+$60+
$40$60
No
Yes Humana CoverageFirst OutshyNetwork
Humana Employers Health of Georgia shyHigh
Humana Employers Health of Georgia shyStandard
Humana Employers Health of Georgia shyHigh
Humana Employers Health of Georgia shyStandard
Humana Employers Health of Georgia shyHigh
Humana Employers Health of Georgia shyStandard
Kaiser Foundation HP of GeorgiashyHigh
Kaiser Foundation HP of GeorgiashyStandard
Guam
Calvos Selectcare InshyNetwork
5050
$20$35
$25$40
$20$35
$25$40
$20$35
$25$40
$15$30
$20$35
$15$40
50
$250day x 3
$500day x 3
$250day x 3
$500day x 3
$250day x 3
$500day x 3
$250dayx3
$250dayx3
$200
$10+
$10
$10
$10
$10
$10
$10
$10$20 Comm
$15$25 Comm
$10
$40+$60+
$40$60
$40$60
$40$60
$40$60
$40$60
$40$60
$2550 of AWP
$40$50 Comm $40$50 Comm
$40$50 Comm $40$50 Comm
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
514
794
794
883
845
845
837
85
85
941
935
935
859
884
884
849
839
839
556
625
625
Calvos Selectcare OutshyNetwork
TakeCareshyHigh
TakeCareshyStandard
Hawaii Aetna Value Plan InshyNetwork
3030
$5 at FHP$40
$5 at FHP$40
$25$40
30
$100day for 5
$150day for 5
20
NA
$10
$15
$10
NA
$25$50
$40$80
30to$60050 to$1200
NA
Yes
Yes
Yes
687
687
669
669
686
686
904
904
792
792
786
786
571
571
Aetna Value Plan OutshyNetwork
HMSA InshyNetwork
4040
$15$15
40
$100
50+
$7
50+50+
$30$65
No
Yes 842 914 884 955 878 931 628 HMSA OutshyNetwork
Kaiser Foundation HP of HawaiishyHigh
Kaiser Foundation HP of HawaiishyStandard
3030
$20$20
$30$30
30
$100
10
$7 + 20
$10
$15
$45$45
$50$50
$30 + 20 $65 + 20 No
Yes
Yes
754
754
826
826
815
815
94
94
875
875
811
811
613
613
29
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Idaho
Aetna Value Planshy Most of Idaho 877shy459shy6604
Altius Health Plans shyHighshy Southern Region 800shy377shy4161
Altius Health Plans shyStdshy Southern Region 800shy377shy4161
Group Health Cooperative shyHighshy most of Washington StateampNorthern Idaho 888shy901shy4636
Group Health Cooperative shyStdshy most of Washington StateampNorthern Idaho 888shy901shy4636
SelectHealth shyHighshy Utah Idaho 801shy442shy7497
SelectHealth shyStdshy Utah Idaho 801shy442shy7497
Illinois
Aetna Value Planshy Most of Illinois 877shy459shy6604
Blue Cross and Blue Shield of Illinois shyHighshy Illinois 855shy676shy4482
Blue Preferred Plus POS shyHighshy Madison and St Clair counties 888shy811shy2092
Health Alliance HMO shyHighshy CentralECentralNCentSouthWest Ill 800shy851shy3379
Health Alliance HMO shyStdshy CentralECentralNCentSouthWest Ill 800shy851shy3379
Humana Benefit Plan of Illinois Inc shyHighshy Central and Northwestern Illinois 888shy393shy6765
Humana Benefit Plan of Illinois Inc shyStdshy Central and Northwestern Illinois 888shy393shy6765
Humana Value Plan shy Central Illinois 888shy393shy6765
Humana Value Plan shy Chicago Area 888shy393shy6765
Humana Health Plan Inc shyHighshy Chicago 888shy393shy6765
Humana Health Plan Inc shyStdshy Chicago 888shy393shy6765
Union Health Service shyHighshy Chicago area 312shy423shy4200
United Healthcare of the Midwest Inc shyHighshy Southwest Illinois 877shy835shy9861
UnitedHealthcare Plan of the River Valley Inc shyHighshy West Central Illinois 800shy747shy1446
H44 H45
9K1 9K2
DK4 DK5
541 542
544 545
SF1 SF2
SF4 SF5
H44 H45
A21 A22
9G1 9G2
FX1 FX2
K84 K85
9F1 9F2
AB4 AB5
GB4 GB5
MW4 MW5
751 752
754 755
761 762
B91 B92
YH1 YH2
13093 29732
19819 42542
11798 25954
27070 55009
11742 26509
19210 43095
12435 27741
13093 29732
30483 71121
32158 67069
26932 67294
20323 51891
51805 115264
15825 35210
10247 22697
10247 22697
40638 90413
15825 35210
14109 33787
33072 74273
14091 38330
53418 121307
63682 140107
48136 105894
71078 152824
47908 108156
63060 140671
50737 113183
53418 121307
74559 169258
76267 165125
70937 165354
64196 149643
96307 214284
59608 132629
41809 92606
41809 92606
84917 188936
59608 132629
57566 131177
77200 172473
57491 135811
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
30
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay
deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
6
Getting needed
care
Getting care
quickly
How
well
doctors
communicate
Customer
service
Claims
processing
Plan
Information
on
Costs
Idaho
Aetna Value Plan InshyNetwork $25$40 20 $10
HMO
30to$60050 to$1200
POS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Altius Health PlansshyHigh
Altius Health PlansshyStandard
Group Health CooperativeshyHigh
Group Health CooperativeshyStandard
SelectHealthshyHigh
SelectHealthshyStandard
Illinois
Aetna Value Plan InshyNetwork
4040
$20$30
$20$40
$25$25
$25$35
$15$25
$20$30
$25$40
40
$200
None
$350
$500
$100
$100 after
20
50+
$7
$7
$20
$20
$5 $25$50
$5
$10
50+50+
$25$50
$35$60
$40$60
$40$60
$25$50$50
$25$50
30to$60050 to$1200
No
No
None
Yes
Yes
Yes
Yes
Yes
552
552
659
659
629
629
852
852
86
86
876
876
813
813
869
869
851
851
948
948
941
941
958
958
883
883
912
912
912
912
895
895
881
881
903
903
588
588
692
692
64
64
Aetna Value Plan OutshyNetwork
Blue Cross and Blue Shield of IllinoisshyHigh
Blue Preferred Plus POS InshyNetwork
4040
$20$35
$25$35
40
$200day x 5
$500
50+
$10 copay
$5
50+50+
$40$60
$40$6025 $6025
No
Yes
Yes 647 891 861 961 84 864 685 Blue Preferred Plus POS OutshyNetwork
Health Alliance HMOshyHigh
Health Alliance HMOshyStandard
Humana Benefit Plan of Illinois IncshyHigh
Humana Benefit Plan of Illinois IncshyStandard
Humana Value Plan InshyNetwork
30 after ded
$25$50
$25$50
$20$35
$25$40
$35$55
30 after ded
$200day x 5
20
$250day x 3
$500day x 3
20
NA
$7
$7
$10
$10
$10
NA
$35$70
$35$70
$40$60
$40$60
$40$60
NA
Yes
Yes
Yes
Yes
Yes
745 915 88 962 878 868 67
Humana Value Plan OutshyNetwork
Humana CoverageFirst InshyNetwork
5050
$35$55
50
20
$10+
$10
$40+$60+
$40$60
No
Yes Humana CoverageFirst OutshyNetwork
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
Union Health ServiceshyHigh
United Healthcare of the Midwest IncshyHigh
UnitedHealthcare Plan of the River Valley shyHigh
5050
$20$35
$25$40
$15$15
$25$40
$25$50
50
$250day x 3
$500day x 3
None
$450
20
$10+
$10
$10
$10
$7
$10
$40+$60+
$40$60
$40$60
$35$60
$30$60
$35$50
No
Yes
Yes
Yes
Yes
Yes
647
647
665
577
822
822
919
896
788
788
902
86
943
943
957
956
859
859
892
914
834
834
898
918
66
66
732
623
31
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Indiana
Aetna Value Planshy All of Indiana 877shy459shy6604
Health Alliance HMO shyHighshy Western Indiana 800shy851shy3379
Health Alliance HMO shyStdshy Western Indiana 800shy851shy3379
Humana Value Plan shy LakePorterLaPorte Counties 888shy393shy6765
Humana Health Plan of Ohio shyHighshy Portions of Indiana 888shy393shy6765
Humana Health Plan of Ohio shyStdshy Portions of Indiana 888shy393shy6765
Humana Health Plan Inc shyHighshy LakePorterLaPorte Counties 888shy393shy6765
Humana Health Plan Inc shyStdshy LakePorterLaPorte Counties 888shy393shy6765
Humana Health Plan Inc shyHighshy Southern Indiana 888shy393shy6765
Humana Health Plan Inc shyStdshy Southern Indiana 888shy393shy6765
Physicians Health Plan of Northern Indiana shyHighshy Northeast Indiana 260shy432shy6690
Iowa
Aetna Value Planshy All of Iowa 877shy459shy6604
Coventry Health Care of Iowa shyHighshy CentralEasternWestern Iowa 800shy257shy4692
Coventry Health Care of Iowa shyStdshy CentralEasternWestern Iowa 800shy257shy4692
Health Alliance HMO shyHighshy Central and Eastern Iowa 800shy851shy3379
Health Alliance HMO shyStdshy Central and Eastern Iowa 800shy851shy3379
HealthPartners High Option shyNorthern Iowa 800shy883shy2177
HealthPartners Standard Option shyNorthern Iowa 800shy883shy2177
Sanford Health Plan shyHighshy Northwestern Iowa 800shy752shy5863
Sanford Health Plan shyStdshy Northwestern Iowa 800shy752shy5863
UnitedHealthcare Plan of the River Valley Inc shyHighshy Eastern and Central Iowa 800shy747shy1446
JS4 JS5
FX1 FX2
K84 K85
MW4 MW5
A61 A62
A64 A65
751 752
754 755
MH1 MH2
MH4 MH5
DQ1 DQ2
H44 H45
SV1 SV2
SY4 SY5
FX1 FX2
K84 K85
V31 V32
V34 V35
AU1 AU2
AU4 AU5
YH1 YH2
17258 41140
26932 67294
20323 51891
10247 22697
13880 30882
12491 27794
40638 90413
15825 35210
15825 35210
13880 30882
30786 68557
13093 29732
13351 31376
9799 23027
26932 67294
20323 51891
26865 64982
8897 20464
26173 63455
23647 57594
14091 38330
61069 138677
70937 165354
64196 149643
41809 92606
56629 125999
50965 113400
84917 188936
59608 132629
59608 132629
56629 125999
74868 166643
53418 121307
54474 128016
39979 93951
70937 165354
64196 149643
70869 162996
36302 83494
70163 161438
67586 155460
57491 135811
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
32
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay
deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How
well
doctors
communicate
Customer
service
Claims
processing
Plan
Information
on
Costs
Indiana
Aetna Value Plan InshyNetwork $25$40 20 $10
HMO
30to$60050 to$1200
POS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Health Alliance HMOshyHigh
Health Alliance HMOshyStandard
Humana Value Plan InshyNetwork
4040
$25$50
$25$50
$35$55
40
$200day x 5
20
20
50+
$7
$7
$10
50+50+
$35$70
$35$70
$40$60
No
Yes
Yes
Yes
745 915 88 962 878 868 67
Humana Value Plan OutshyNetwork
Humana Health Plan of OhioshyHigh
Humana Health Plan of OhioshyStandard
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
Physicians Health Plan of Northern IndianashyHigh
Iowa
Aetna Value Plan InshyNetwork
5050
$20$35
$25$40
$20$35
$25$40
$20$35
$25$40
$15$15
$25$40
50
$250day x 3
$500day x 3
$250day x 3
$500day x 3
$250day x 3
$500day x 3
20
20
$10+
$10
$10
$10
$10
$10
$10
$10
$10
$40+$60+
$40$60
$40$60
$40$60
$40$60
$40$60
$40$60
$25$50
30to$60050 to$1200
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
647
647
562
822
822
878
788
788
815
943
943
934
859
859
868
834
834
893
66
66
593
Aetna Value Plan OutshyNetwork
Coventry Health Care of IowashyHigh
Coventry Health Care of IowashyStandard
Health Alliance HMOshyHigh
Health Alliance HMOshyStandard
HealthPartners High Option
HealthPartners Standard Option
Sanford Health Plan InshyNetwork
4040
$25$50
$25$50
$25$50
$25$50
$25$45
$0 for 3 then 20
$20$30
40
20
20
$200day x 5
20
Nothing
20 in40 out
$100day x 5
50+
$3 $10
$3 $10
$7
$7
$12
$9
$15
50+50+
$45$70$100
30$5000 Max
$35$70
$35$70
$45$90
$40$70
$30$50
No
Yes
No
Yes
Yes
Yes
Yes
NA
562
562
745
647
647
535
905
905
915
893
893
903
888
888
88
875
875
89
964
964
962
951
951
977
837
837
878
92
92
902
903
903
868
911
911
912
652
652
67
725
725
558 Sanford Health Plan OutshyNetwork
Sanford Health Plan InshyNetwork
4040
$25$25
40
$100day x 5
40+
$15
40+40+
$30$50
NA
NA 535 903 89 977 902 912 558 Sanford Health Plan OutshyNetwork
UnitedHealthcare Plan of the River Valley shyHigh
40+40+
$25$50
40+
20
40+
$10
40+40+
$35$50
NA
Yes 577 896 86 956 914 918 623
33
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Kansas
Aetna Value Planshy Most of Kansas
Aetna Open Access shyHighshy Kansas City area
Coventry Health Care of Kansas shyHighshy Kansas City Metro Area (KS and MO)
Coventry Health Care of Kansas shyStdshy Kansas City Metro Area (KS and MO)
Humana Value Plan shy Kansas City Area
Humana Health Plan Inc shyHighshy Kansas City
Humana Health Plan Inc shyStdshy Kansas City
Kentucky
Aetna Value Planshy Most of Kentucky
Humana Health Plan of Ohio shyHighshy Portions of Kentucky
Humana Health Plan of Ohio shyStdshy Portions of Kentucky
Humana Health Plan Inc shyHighshy Louisville
Humana Health Plan Inc shyStdshy Louisville
Humana Health Plan Inc shyHighshy Lexington
Humana Health Plan Inc shyStdshy Lexington
Louisiana
Aetna Value Planshy Most of Louisiana
Coventry Health Care of Louisiana shyHighshy New Orleans Area
Coventry Health Care of Louisiana shyStdshy New Orleans Area
Humana Health Benefit Plan of Louisiana Inc shyHighshy Baton Rouge
Humana Health Benefit Plan of Louisiana Inc shyStdshy Baton Rouge
Humana Health Benefit Plan of Louisiana Inc shyHighshy New Orleans
Humana Health Benefit Plan of Louisiana Inc shyStdshy New Orleans
877shy459shy6604
877shy459shy6604
800shy969shy3343
800shy969shy3343
888shy393shy6765
888shy393shy6765
888shy393shy6765
877shy459shy6604
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
877shy459shy6604
800shy341shy6613
800shy341shy6613
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
G54 G55
HY1 HY2
HA1 HA2
HA4 HA5
PH4 PH5
MS1 MS2
MS4 MS5
H44 H45
A61 A62
A64 A65
MH1 MH2
MH4 MH5
MI1 MI2
MI4 MI5
F54 F55
BJ1 BJ2
BJ4 BJ5
AE1 AE2
AE4 AE5
BC1 BC2
BC4 BC5
12822 29119
13777 50039
13519 32270
12568 29535
10247 22697
62521 139111
15825 35210
13093 29732
13880 30882
12491 27794
15825 35210
13880 30882
19459 43292
13880 30882
13058 29656
19208 48754
13035 30271
15825 35210
13149 29256
13880 30882
12491 27794
52315 118808
55396 147754
55160 129630
51276 120503
41809 92606
107238 238608
59608 132629
53418 121307
56629 125999
50965 113400
59608 132629
56629 125999
63314 140872
56629 125999
53279 120995
63058 146443
53182 123506
59608 132629
53648 119367
56629 125999
50965 113400
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
34
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay
deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How
well
doctors
communicate
Customer
service
Claims
processing
Plan
Information
on
Costs
Kansas
Aetna Value Plan InshyNetwork $25$40 20 $10
HMO
30to$60050 to$1200
POS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Coventry Health Care of KansasshyHigh
Coventry Health Care of KansasshyStandard
Humana CoverageFirst InshyNetwork
4040
$20$35
$30$60
$30$60
$35$55
40
$250day x 4
25
30
20
50+
$10
$3 $12
$3 $12
$10
50+50+
$35$100
$50$75
$5020
$40$60
No
Yes
Yes
Yes
Yes
639
602
602
862
906
906
862
88
88
94
96
96
838
894
894
901
884
884
538
663
663
Humana CoverageFirst OutshyNetwork
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
Kentucky
Aetna Value Plan InshyNetwork
5050
$20$35
$25$40
$25$40
50
$250day x 3
$500day x 3
20
$10+
$10
$10
$10
$40+$60+
$40$60
$40$60
30to$60050 to$1200
No
Yes
Yes
Yes
676
676
903
903
901
901
951
951
881
881
918
918
729
729
Aetna Value Plan OutshyNetwork
Humana Health Plan of OhioshyHigh
Humana Health Plan of OhioshyStandard
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
Louisiana
Aetna Value Plan InshyNetwork
4040
$20$35
$25$40
$20$35
$25$40
$20$35
$25$40
$25$40
40
$250day x 3
$500day x 3
$250day x 3
$500day x 3
$250day x 3
$500day x 3
20
50+
$10
$10
$10
$10
$10
$10
$10
50+50+
$40$60
$40$60
$40$60
$40$60
$40$60
$40$60
30to$60050 to$1200
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes Aetna Value Plan OutshyNetwork
Coventry Health Care of LouisianashyHigh
Coventry Health Care of LouisianashyStandard
Humana Health Benefit Plan of LA shyHigh
Humana Health Benefit Plan of LA shyStandard
Humana Health Benefit Plan of LA shyHigh
Humana Health Benefit Plan of LA shyStandard
4040
$25$45
$30$55
$20$35
$35$40
$20$35
$35$40
40
Ded+$100
Ded+30
$250day x 3
$500day x 3
$250day x 3
$500day x 3
50+
$5
$5
$10
$10
$10
$10
50+50+
$40$100
$40$100
$40$60
$40$60
$40$60
$40$60
No
Yes
Yes
Yes
Yes
Yes
Yes
573
573
874
874
823
823
968
968
831
831
827
827
625
625
35
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Maine
Aetna Value Planshy All of Maine 877shy459shy6604
Maryland
Aetna Value Planshy All of Maryland 877shy459shy6604
Aetna Open Access shyHighshy NorthernCentralSouthern Maryland Areas 877shy459shy6604
Aetna Open Access shyBasicshy NorthernCentralSouthern Maryland Areas 877shy459shy6604
CareFirst BlueChoice shyHighshy All of Maryland 888shy789shy9065
CareFirst BlueChoice shyStdshy All of Maryland 888shy789shy9065
Coventry Health Care shyHighshy All of Maryland 800shy833shy7423
Coventry Health Care shyStdshy All of Maryland 800shy833shy7423
Kaiser Foundation Health Plan MidshyAtlantic States shyHighshy BaltimoreWashington DC areas 877shy574shy3337
Kaiser Foundation Health Plan MidshyAtlantic States shyStdshy BaltimoreWashington DC areas 877shy574shy3337
MD IPA shyHighshy All of Maryland 877shy835shy9861
Massachusetts
Aetna Value Planshy Most of Massachusetts 877shy459shy6604
Fallon Community Health Plan shyBasicshy CentralEastern Massachusetts 800shy868shy5200
EP4 EP5
F54 F55
JN1 JN2
JN4 JN5
2G1 2G2
2G4 2G5
IG1 IG2
IG4 IG5
E31 E32
E34 E35
JP1 JP2
EP4 EP5
JG1 JG2
12694 28827
13058 29656
46867 105610
14021 31351
21177 48693
15284 35429
14998 37685
13265 30509
16926 42124
9646 22186
20245 50123
12694 28827
29337 80043
51792 117616
53279 120995
91271 204437
57208 127913
65067 146381
59056 132852
58764 135153
54121 124479
60731 139681
39358 90520
64116 147840
51792 117616
73390 178358
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
36
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay
deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How
well
doctors
communicate
Customer
service
Claims
processing
Plan
Information
on
Costs
Maine
Aetna Value Plan InshyNetwork $25$40 20 $10
HMO
30to$60050 to$1200
POS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Maryland
Aetna Value Plan InshyNetwork
4040
$25$40
40
20
50+
$10
50+50+
30to$60050 to$1200
No
Yes Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Aetna Open AccessshyBasic
CareFirst BlueChoiceshyHigh
CareFirst BlueChoice InshyNetwork
4040
$15$30
$20$35
$25$35
Nothing$35
40
$150day x3
10 Plan Allow
$200
$200
50+
$5
$10
Nothing
Nothing
50+50+
$35$100
$35$100
$35$65
$35$65
No
Yes
Yes
Yes
Yes
69
69
648
648
844
844
86
86
872
872
833
833
942
942
925
925
865
865
846
846
914
914
902
902
567
567
54
54 CareFirst BlueChoice OutshyNetwork
Coventry Health CareshyHigh
Coventry Health CareshyStandard
Kaiser Foundation HP MidshyAtlantic StatesshyHigh
Kaiser Foundation HP MidshyAtlantic StatesshyStandard
MD IPAshyHigh
Massachusetts
Aetna Value Plan InshyNetwork
$70$70
$20$40
$20$40
$10$20
$20$30
$25$40
$25$40
$500
$200day x 3
$200day x 3
$100
$250dayx3
$150day x 3
20
Nothing
$3$15
$3$15
$7$17 Net
$12$22Net
$7
$10
$35$65
$30$60
$30$60
$30$50$45$65
$35$55$50$
$30$60
30to$60050 to$1200
Yes
Yes
Yes
Yes
70 Yes
Yes
Yes
563
563
83
83
583
864
864
867
867
846
864
864
831
831
876
969
969
927
927
937
892
892
813
813
867
871
871
836
836
841
606
606
702
702
677
Aetna Value Plan OutshyNetwork
Fallon Community Health PlanshyBasic
4040
$25$35
40
$150to$750max
50+
$10
50+50+
$30$60
No
Yes 627 851 882 929 883 801 649
37
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Michigan
Aetna Value Planshy All of Michigan 877shy459shy6604
Bluecare Network of MI shyHighshy East Region 800shy662shy6667
Bluecare Network of MI shyHighshy Southeast Region 800shy662shy6667
Grand Valley Health Plan shyHighshy Grand Rapids area 616shy949shy2410
Grand Valley Health Plan shyStdshy Grand Rapids area 616shy949shy2410
Health Alliance Plan shyHighshy Southeastern MichiganFlint Area 800shy556shy9765
Health Alliance Plan shyStdshy Southeastern MichiganFlint Area 800shy556shy9765
HealthPlus of MI shyHighshy East Michigan 800shy332shy9161
Total Health Care USA shyHighshy Michigan 800shy826shy2862
Minnesota
Aetna Value Planshy Most of Minnesota 877shy459shy6604
HealthPartners High Option shy Minnesota 800shy883shy2177
HealthPartners Standard Option shy Minnesota 800shy883shy2177
Mississippi Aetna Value Planshy Most of Mississippi 877shy459shy6604
G54 G55
K51 K52
LX1 LX2
RL1 RL2
RL4 RL5
521 522
GY4 GY5
X51 X52
A51 A52
H44 H45
V31 V32
V34 V35
H44 H45
12822 29119
22055 52593
18055 50747
24184 61492
19656 50897
20111 55722
16974 48191
13915 49809
13670 50117
13093 29732
26865 64982
8897 20464
13093 29732
52315 118808
65962 150359
61882 148476
68134 159436
63515 148629
63980 153551
60780 145869
56775 147520
55776 147834
53418 121307
70869 162996
36302 83494
53418 121307
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
38
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How well
doctors
communicate
Customer
service
Claims
processing
Plan Inform
ation
on Costs
Michigan
Aetna Value Plan InshyNetwork $25$40 20 $10
HMOP
30to$60050 to$1200
OS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Bluecare Network of MIshyHigh
Bluecare Network of MIshyHigh
Grand Valley Health PlanshyHigh
Grand Valley Health PlanshyStandard
Health Alliance PlanshyHigh
Health Alliance PlanshyStandard
HealthPlus of MIshyHigh
Total Health Care USAshyHigh
Minnesota
Aetna Value Plan InshyNetwork
4040
$15$25
$15$25
$10$10
$20$20
$10$20
$15$30
$10$20
$15$15
$25$40
40
Nothing
Nothing
Nothing
$500x3
Nothing
Nothing
None
None
20
50+
$10
$10
$5
$10
$5
$15
$0$8
$10
$10
50+50+
$30$60
$30$60
$15$15
NA$40
$50$50
$50$50
$40$60
$40$40
30to$60050 to$1200
No
Yes
Yes
No
No
Yes
Yes
Yes
Yes
Yes
651
651
742
742
793
793
793
899
899
90
90
888
888
919
875
875
912
912
862
862
92
933
933
952
952
943
943
951
884
884
883
883
899
899
946
937
937
836
836
902
902
919
672
672
795
795
656
656
658
Aetna Value Plan OutshyNetwork
HealthPartners High Option
HealthPartners Standard Option
Mississippi Aetna Value Plan InshyNetwork
4040
$25$45
$0 for 3 then 20
$25$40
40
Nothing
20 in40 out
20
50+
$12
$9
$10
50+50+
$45$90
$40$70
30to$60050 to$1200
No
Yes
Yes
Yes
647
647
893
893
875
875
951
951
92
92
911
911
725
725
Aetna Value Plan OutshyNetwork 4040 40 50+ 50+50+ No
39
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Missouri Aetna Value Planshy Most of Missouri
Aetna Open Access shyHighshy Kansas City area
Blue Preferred Plus POS shyHighshy StLouisCentralSW areas
Coventry Health Care of Kansas shyHighshy Kansas City Metro Area (KS and MO)
Coventry Health Care of Kansas shyStdshy Kansas City Metro Area (KS and MO)
Humana Value Plan shy Kansas City Area
Humana Health Plan Inc shyHighshy Kansas City
Humana Health Plan Inc shyStdshy Kansas City
United Healthcare of the Midwest Inc shyHighshy St Louis Area
Montana
Aetna Value Planshy SouthSoutheastWestern MT Areas
Nebraska
Aetna Value Planshy All of Nebraska
Nevada
Aetna Value Planshy Las Vegas Area
Aetna Open Access shyHighshy Clark County and Las Vegas areas
Health Plan of Nevada shyHighshy Las VegasEsmeralda and Nye counties
New Hampshire
Aetna Value Planshy All of New Hampshire
877shy459shy6604
877shy459shy6604
888shy811shy2092
800shy969shy3343
800shy969shy3343
888shy393shy6765
888shy393shy6765
888shy393shy6765
877shy835shy9861
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy545shy7378
877shy459shy6604
G54 G55
HY1 HY2
9G1 9G2
HA1 HA2
HA4 HA5
PH4 PH5
MS1 MS2
MS4 MS5
B91 B92
H44 H45
H44 H45
G54 G55
HF1 HF2
NM1 NM2
EP4 EP5
12822 29119
13577 50039
32158 67069
13519 32270
12568 29535
10247 22697
62521 139111
15825 35210
33072 74273
13093 29732
13093 29732
12822 29119
11267 36491
9883 23303
12694 28827
52315 118808
55396 147754
76267 165125
55160 129630
51276 120503
41809 92606
107238 238608
59608 132629
77200 172473
53418 121307
53418 121307
52315 118808
45970 133935
40322 95078
51792 117616
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
40
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How well
doctors
communicate
Customer
service
Claims
processing
Plan Inform
ation
on Costs
Missouri Aetna Value Plan InshyNetwork $25$40 20 $10
HMOP
30to$60050 to$1200
OS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
4040
$20$35
40
$250day x 4
50+
$10
50+50+
$35$100 $40$60
No
Yes 639 862 862 94 838 901 538
Blue Preferred Plus POS InshyNetwork $25$35 $500 $5 25$6025 Yes 647 891 861 961 84 864 685 Blue Preferred Plus POS OutshyNetwork Coventry Health Care of KansasshyHigh
Coventry Health Care of KansasshyStandard
Humana Value Plan InshyNetwork
30 after ded $30$60
$30$60
$35$55
30 after ded 25
30
20
NA $3 $12
$3 $12
$10
NA $50$75
$5020
$40$60
NA Yes
Yes
Yes
602
602
906
906
88
88
96
96
894
894
884
884
663
663
Humana Value Plan OutshyNetwork
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
United Healthcare of the Midwest IncshyHigh
Montana
Aetna Value Plan InshyNetwork
5050
$20$35
$25$40
$25$40
$25$40
50
$250day x 3
$500day x 3
$450
20
$10+
$10
$10
$7
$10
$40+$60+
$40$60
$40$60
$30$60
30to$60050 to$1200
No
Yes
Yes
Yes
Yes
676
676
665
903
903
919
901
901
902
951
951
957
881
881
892
918
918
898
729
729
732
Aetna Value Plan OutshyNetwork
Nebraska
Aetna Value Plan InshyNetwork
4040
$25$40
40
20
50+
$10
50+50+
30to$60050 to$1200
No
Yes Aetna Value Plan OutshyNetwork
Nevada
Aetna Value Plan InshyNetwork
4040
$25$40
40
20
50+
$10
50+50+
30to$60050 to$1200
No
Yes Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Health Plan of NevadashyHigh
New Hampshire
Aetna Value Plan InshyNetwork
4040
$20$35
$10$25
$25$40
40
$250day x 4
$300
20
50+
$10
$7
$10
50+50+
$35$100
$35$55$100
30to$60050 to$1200
No
Yes
Yes
Yes
602
516
838
696
861
66
923
892
849
892
918
912
636
529
Aetna Value Plan OutshyNetwork 4040 40 50+ 50+50+ No
41
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
New Jersey
Aetna Value Planshy All of New Jersey 877shy459shy6604
Aetna Open Access shyHighshy Northern New Jersey 877shy459shy6604
Aetna Open Access shyBasicshy Northern New Jersey 877shy459shy6604
Aetna Open Access shyHighshy Southern NJ 877shy459shy6604
Aetna Open Access shyBasicshy Southern NJ 877shy459shy6604
GHI Health Plan shyHighshy Northern New Jersey 212shy501shy4444
GHI Health Plan shyStdshy Northern New Jersey 212shy501shy4444
New Mexico
Aetna Value Planshy AlbuquerqueDona AnaHobbs Area 877shy459shy6604
Lovelace Health Plan shyHighshy All of New Mexico 800shy808shy7363
Presbyterian Health Plan shyHighshy All counties in New Mexico 800shy356shy2219
EP4 EP5
JR1 JR2
JR4 JR5
P31 P32
P34 P35
801 802
804 805
G54 G55
Q11 Q12
P21 P22
12694 28827
52355 123641
34184 82457
64801 164359
49560 118027
32591 93212
14135 33572
12822 29119
13099 30785
23940 56335
51792 117616
96868 222828
78334 180821
109563 264361
94017 217102
76709 191791
57672 130958
52315 118808
53445 125603
67885 154176
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
42
Primary care Hospital
Prescription Drugs
Member Survey Results
Mail lan
eeded
are
ll icate
r ng rmation
Plan Name ndash Location Specialist
office copay per stay
deductible Level I Level II Level III
order discount
Overall p
satisfaction
Getting n
care
Getting c
quickly
How
we
doctors
commun
Custome
service
Claims
processi
Plan
Info
on
Costs
New Jersey
Aetna Value Plan InshyNetwork $25$40 20 $10
HMO
30to$60050 to$1200
POS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Aetna Open AccessshyBasic
Aetna Open AccessshyHigh
Aetna Open AccessshyBasic
GHI Health Plan InshyNetwork
4040
$20$35
$15$35
$20$35
$15$35
$20$20
40
$250day x 4
20 Plan Allow
$250day x 4
20 Plan Allow
$150max$450
50+
$10
$5
$10
$5
$20
50+50+
$35$100
$35$100
$35$100
$35$100
$45$85
No
Yes
Yes
Yes
Yes
Yes
631
631
631
631
663
852
852
852
852
844
837
837
837
837
851
928
928
928
928
936
895
895
895
895
86
809
809
809
809
828
623
623
623
623
642 GHI Health Plan OutshyNetwork
GHI Health PlanshyStandard
New Mexico
Aetna Value Plan InshyNetwork
50 of sch
$30$30
$25$40
+50 of sch
$250day x 3
20
NA
$10
$10
NA
$45$85
30to$60050 to$1200
No
Yes
Yes
663 844 851 936 86 828 642
Aetna Value Plan OutshyNetwork
Lovelace Health PlanshyHigh
Presbyterian Health PlanshyHigh
4040
$25$35
$25$40
40
$250 after ded
$100 x 5 days
50+
$5
$10
50+50+
$35$6050
$40$7550
No
Yes
Yes
651
655
796
824
753
783
918
917
828
848
939
852
656
616
43
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
New York
Aetna Value Planshy Most of New York 877shy459shy6604
Aetna Open Access shyHighshy NYC AreaUpstate NY 877shy459shy6604
Aetna Open Access shyBasicshy NYC AreaUpstate NY 877shy459shy6604
CDPHP Universal Benefits Inc shyHighshy Upstate Hudson Valley Central NY 877shy269shy2134
CDPHP Universal Benefits Inc shyStdshy Upstate Hudson Valley Central NY 877shy269shy2134
GHI HMO Select shyHighshy BrnxBrklynManhatQueenRichmonWestche 877shy244shy4466
GHI HMO Select shyHighshy CapitalHudson Valley Regions 877shy244shy4466
GHI Health Plan shyHighshy All of New York 212shy501shy4444
GHI Health Plan shyStdshy All of New York 212shy501shy4444
HIP Health of Greater New York shyHighshy New York City area including Long Island 800shy447shy8255
HIP Health of Greater New York shyStdshy New York City area including Long Island 800shy447shy8255
Independent Health Association shyHighshy Western New York 800shy501shy3439
Independent Health Association shyStdshy Western New York 800shy501shy3439
MVP Health Care shyHighshy Eastern Region 888shy687shy6277
MVP Health Care shyStdshy Eastern Region 888shy687shy6277
MVP Health Care shyHighshy Western Region 888shy687shy6277
MVP Health Care shyStdshy Western Region 888shy687shy6277
MVP Health Care shyHighshy Central Region 888shy687shy6277
MVP Health Care shyStdshy Central Region 888shy687shy6277
MVP Health Care shyHighshy Northern Region 888shy687shy6277
MVP Health Care shyStdshy Northern Region 888shy687shy6277
MVP Health Care shyHighshy MidshyHudson Region 888shy687shy6277
MVP Health Care shyStdshy MidshyHudson Region 888shy687shy6277
EP4 EP5
JC1 JC2
JC4 JC5
SG1 SG2
SG4 SG5
6V1 6V2
X41 X42
801 802
804 805
511 512
514 515
QA1 QA2
C54 C55
GA1 GA2
GA4 GA5
GV1 GV2
GV4 GV5
M91 M92
M94 M95
MF1 MF2
MF4 MF5
MX1 MX2
MX4 MX5
12694 28827
40198 109033
26007 71920
22952 71235
12294 32053
19548 60991
14167 47634
32591 93212
14135 33572
17000 63158
12206 34562
18597 58201
14454 47853
16586 53386
13377 39674
13042 35704
11193 28006
17110 54877
13779 42651
25417 75411
22349 67734
18731 58664
13657 42345
51792 117616
84468 207928
69993 170073
66877 169374
50161 129408
63405 158925
57800 145301
76709 191791
57672 130958
60806 161136
49800 131968
62435 156079
58209 145524
60384 151168
54580 137182
53210 133132
45669 114266
60918 152689
56220 140218
69392 173634
66262 165803
62572 156552
55723 139906
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
44
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How well
doctors
communicate
Customer
service
Claims
processing
Plan Inform
ation
on Costs
New York
Aetna Value Plan InshyNetwork $25$40 20 $10
HMOP
30to$60050 to$1200
OS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Aetna Open AccessshyBasic
CDPHP Universal Benefits IncshyHigh
CDPHP Universal Benefits IncshyStandard
GHI HMO SelectshyHigh
GHI HMO SelectshyHigh
GHI Health Plan InshyNetwork
4040
$20$35
$15$35
$20$30
$25$40
$25$40
$25$40
$20$20
40
$250day x 4
20 Plan Allow
$100 x 5
$500+10
$500
$500
$150max$450
50+
$10
$5
25
30
$10
$10
$20
50+50+
$35$100
$35$100
2525
3030
$30$50
$30$50
$45$85
No
Yes
Yes
No
No
Yes
Yes
Yes
662
662
729
729
663
848
848
928
928
844
849
849
90
90
851
937
937
949
949
936
888
888
922
922
86
874
874
924
924
828
547
547
70
70
642 GHI Health Plan OutshyNetwork
GHI Health PlanshyStandard
HIP Health of Greater New YorkshyHigh
HIP Health of Greater New YorkshyStandard
Independent Health Assoc InshyNetwork
50 of sch
$30$30
$20$40
$30$50
$25$25
+50 of sch
$250day x 3
None
$1000
$250
NA
$10
$15
$15$100Ded
$10
NA
$45$85
$35$75
$30$75
$35$75 $75$100Ded
No
Yes
Yes
Yes
No
663
729
729
735
844
814
814
933
851
786
786
923
936
888
888
952
86
787
787
92
828
848
848
916
642
60
60
755 Independent Health Assoc OutshyNetwork
Independent Health Association InshyNetwork
2525
$30$50
25
$750
NA
$10
NA
$5050
No
Yes Independent Health Association OutshyNetwork
MVP Health CareshyHigh
MVP Health CareshyStandard
MVP Health CareshyHigh
MVP Health CareshyStandard
MVP Health CareshyHigh
MVP Health CareshyStandard
MVP Health CareshyHigh
MVP Health CareshyStandard
MVP Health CareshyHigh
MVP Health CareshyStandard
3030
$25$25
$30$50
$25$25
$30$50
$25$25
$30$50
$25$25
$30$50
$25$25
$30$50
30
$500
$750
$500
$750
$500
$750
$500
$750
$500
$750
NA
$5
$5
$5
$5
$5
$5
$5
$5
$5
$5
NA
$35$70
$45$90
$35$70
$45$90
$35$70
$45$90
$35$70
$45$90
$35$70
$45$90
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
739
739
739
739
739
739
739
739
739
739
934
934
934
934
934
934
934
934
934
934
89
89
89
89
89
89
89
89
89
89
962
962
962
962
962
962
962
962
962
962
896
896
896
896
896
896
896
896
896
896
92
92
92
92
92
92
92
92
92
92
768
768
768
768
768
768
768
768
768
768
45
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
North Carolina
Aetna Value Planshy All of North Carolina 877shy459shy6604
North Dakota
Aetna Value Planshy Most of North Dakota 877shy459shy6604
HealthPartners High Option shy Eastern North Dakota 800shy883shy2177
HealthPartners Standard Option shyEastern North Dakota 800shy883shy2177
Sanford Heart of America Health Plan shyHighshy Northcentral North Dakota 800shy525shy5661
Sanford Health Plan shyHighshy North Dakota 800shy752shy5863
Sanford Health Plan shyStdshy North Dakota 800shy752shy5863
Ohio
Aetna Value Planshy All of Ohio 877shy459shy6604
AultCare HMO shyHighshy StarkCarrollHolmesTuscarawasWayne Co 330shy363shy6360
Humana Health Plan of Ohio shyHighshy Greater Cincinnati Area 888shy393shy6765
Humana Health Plan of Ohio shyStdshy Greater Cincinnati Area 888shy393shy6765
HealthSpan Integrated CareshyClevelandAkron areas 800shy686shy7100
HealthSpan Integrated CareshyStdshyClevelandAkron areas 800shy686shy7100
The Health Plan of the Upper Ohio Valley shyHighshy Eastern Ohio 800shy624shy6961
Oklahoma
Aetna Value Planshy All of Oklahoma 877shy459shy6604
Globalhealth Inc shyHighshy Oklahoma 877shy280shy5600
F54 F55
H44 H45
V31 V32
V34 V35
RU1 RU2
C91 C92
C94 C95
JS4 JS5
3A1 3A2
A61 A62
A64 A65
641 642
644 645
U41 U42
JS4 JS5
IM1 IM2
13058 29656
13093 29732
26865 64982
8897 20464
13803 47086
20976 51441
14143 45836
17258 41140
14204 44676
13880 30882
12491 27794
28758 69344
13114 30163
26271 60855
17258 41140
11810 28460
53279 120995
53418 121307
70869 162996
36302 83494
56317 144742
64862 149184
57705 143467
61069 138677
57953 142284
56629 125999
50965 113400
72799 167445
53504 123066
70263 158786
61069 138677
48185 116118
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
46
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How well
doctors
communicate
Customer
service
Claims
processing
Plan Inform
ation
on Costs
North Carolina
Aetna Value Plan InshyNetwork $25$40 20 $10
HMOP
30to$60050 to$1200
OS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
North Dakota
Aetna Value Plan InshyNetwork
4040
$25$40
40
20
50+
$10
50+50+
30to$60050 to$1200
No
Yes Aetna Value Plan OutshyNetwork
HealthPartners High Option
HealthPartners Standard Option
Sanford Heart of America Health Plan InshyNetwork
4040
$25$45
$0 for 3 then 20
$15$25
40
Nothing
20 in40 out
None
50+
$12
$9
50$600ded
50+50+
$45$90
$40$70
50$600 ded
No
Yes
Yes
None
647
647
893
893
875
875
951
951
92
92
911
911
725
725
Sanford Heart of America Health Plan OutshyNetwork
Sanford Health Plan InshyNetwork
2020
$20$30
20
$100day x 5
NA
$15
NA
$30$50
NA
NA 535 903 89 977 902 912 558 Sanford Health Plan OutshyNetwork
Sanford Health Plan InshyNetwork
4040
$25$25
40
$100day x 5
40+
$15
40+40+
$30$50
NA
NA 535 903 89 977 902 912 558 Sanford Health Plan OutshyNetwork
Ohio
Aetna Value Plan InshyNetwork
40+40+
$25$40
40+
20
40+
$10
40+40+
30to$60050 to$1200
NA
Yes Aetna Value Plan OutshyNetwork
AultCare HMOshyHigh
Humana Health Plan of OhioshyHigh
Humana Health Plan of OhioshyStandard
HealthSpan Integrated CareshyHigh
HealthSpan Integrated CareshyStandard
The Health Plan of the Upper Ohio ValleyshyHigh
Oklahoma
Aetna Value Plan InshyNetwork
4040
$15$20
$20$35
$25$40
$20$20
$30$40
$10$20
$25$40
40
$150
$250day x 3
$500day x 3
$250
$500
$250
20
50+
$15
$10
$10
$10
$15
$15
$10
50+50+
$30$40$55
$40$60
$40$60
$30$30
$40$40
$30$50
30to$60050 to$1200
No
No
Yes
Yes
Yes
Yes
Yes
Yes
877
788
788
744
922
845
845
909
907
889
889
876
941
922
922
951
944
935
935
929
935
906
906
944
853
708
708
745
Aetna Value Plan OutshyNetwork
Globalhealth IncshyHigh
4040
$15$45
40
$250dymx1000
50+
$4$10
50+50+
$45$70
No
Yes 592 816 839 916 893 872 727
47
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Oregon
Aetna Value Planshy Most of Oregon
Kaiser Foundation Health Plan of Northwest shyHighshy PortlandSalem areas
Kaiser Foundation Health Plan of Northwest shyStdshy PortlandSalem areas
Pennsylvania
Aetna Value Planshy All of Pennsylvania
Aetna Open Access shyHighshy Philadelphia
Aetna Open Access shyBasicshy Philadelphia
Aetna Open Access shyHighshy Pittsburgh and Western PA Areas
Geisinger Health Plan shyStdshy NortheasternCentralSouth Central areas
HealthAmerica Pennsylvania shyHighshy Greater Pittsburgh Area
UPMC Health Plan shyHighshy Western Pennsylvania
UPMC Health Plan shyStdshy Western Pennsylvania
Puerto Rico
Humana Health Plans of Puerto Rico Inc shyHighshy Puerto Rico
TripleshyS Salud Inc shyHighshy All of Puerto Rico
Rhode Island
Aetna Value Planshy All of Rhode Island
South Carolina
Aetna Value Planshy All of South Carolina
877shy459shy6604
800shy813shy2000
800shy813shy2000
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
800shy447shy4000
866shy351shy5946
888shy876shy2756
888shy876shy2756
800shy314shy3121
787shy774shy6060
877shy459shy6604
877shy459shy6604
H44 H45
571 572
574 575
H44 H45
P31 P32
P34 P35
YE1 YE2
GG4 GG5
261 262
8W1 8W2
UW4 UW5
ZJ1 ZJ2
891 892
EP4 EP5
JS4 JS5
13093 29732
22672 52645
13617 31283
13093 29732
64801 164359
49560 118027
19203 59806
16820 41884
17814 47183
22135 54101
13345 30692
8026 18317
8829 19866
12694 28827
17258 41140
53418 121307
66592 150412
55557 127637
53418 121307
109563 264361
94017 217102
63053 157716
60623 139436
61637 144841
66044 151897
54448 125225
32748 74733
36023 81052
51792 117616
61069 138677
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
48
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay
deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How
well
doctors
communicate
Customer
service
Claims
processing
Plan
Information
on
Costs
Oregon
Aetna Value Plan InshyNetwork $25$40 20 $10
HMOP
30to$60050 to$1200
OS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Kaiser Foundation HP of NorthwestshyHigh
Kaiser Foundation HP of NorthwestshyStandard
Pennsylvania
Aetna Value Plan InshyNetwork
4040
$20$30
$30$40
$25$40
40
$200
$500
20
50+
$15
$20
$10
50+50+
$40$60
$40$60
30to$60050 to$1200
No
Yes
Yes
Yes
768
768
844
844
847
847
916
916
927
927
89
89
683
683
Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Aetna Open AccessshyBasic
Aetna Open AccessshyHigh
Geisinger Health PlanshyStandard
HealthAmerica PennsylvaniashyHigh
UPMC Health PlanshyHigh
UPMC Health PlanshyStandard
Puerto Rico
Humana Health Plans of PR InshyNetwork
4040
$20$35
$15$35
$20$35
$20$35
$25$50
10 after Deduct
20 after Deduct
$5$5
40
$250day x 4
20 Plan Allow
$250day x 4
20aftrDeduct
15 after ded
10 after deduct
20after Deduct
None
50+
$10
$5
$10
30 $5$15
$5
$5 after ded
$5 after ded
$250
50+50+
$35$100
$35$100
$35$100
$35$60
$35$75
$35$75$100
$10$15
40 $40$120 50 $85$250
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
579
579
579
668
699
754
754
806
861
861
861
868
873
908
908
803
835
835
835
85
885
899
899
82
935
935
935
938
957
97
97
938
887
887
887
906
86
913
913
887
899
899
899
902
921
904
904
70
631
631
631
677
671
678
678
541 Humana Health Plans of PR OutshyNetwork $10$10 $50 NA NA
Greater of $15 or Yes
TripleshyS Salud Inc InshyNetwork TripleshyS Salud Inc OutshyNetwork
Rhode Island
Aetna Value Plan InshyNetwork
$750$10
$25$40
$750 amp 10 +$10 amp 10 +
None 10 +
20
$5 or $12 NA
$10
NA
2025 up to$100$175max
30to$60050 to$1200
Yes No
Yes
691 874 844 963 872 75 586
Aetna Value Plan OutshyNetwork
South Carolina
Aetna Value Plan InshyNetwork
4040
$25$40
40
20
50+
$10
50+50+
30to$60050 to$1200
No
Yes Aetna Value Plan OutshyNetwork 4040 40 50+ 50+50+ No
49
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of Your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
South Dakota
Aetna Value Planshy Rapid CitySioux Falls Area 877shy459shy6604
HealthPartners High Option shy Eastern South Dakota 800shy883shy2177
HealthPartners Standard Option shyEastern South Dakota 800shy883shy2177
Sanford Health Plan shyHighshy EasternCentralRapid City Areas 800shy752shy5863
Sanford Health Plan shyStdshy EasternCentralRapid City Areas 800shy752shy5863
Tennessee
Aetna Value Planshy Most of Tennessee 877shy459shy6604
Aetna Open Access shyHighshy Memphis Area 877shy459shy6604
Humana Health Plan Inc shyHighshy Knoxville 888shy393shy6765
Humana Health Plan Inc shyStdshy Knoxville 888shy393shy6765
G54 G55
V31 V32
V34 V35
AU1 AU2
AU4 AU5
F54 F55
UB1 UB2
GJ1 GJ2
GJ4 GJ5
12822 29119
26865 64982
8897 20464
26173 63455
23647 57594
13058 29656
24581 76516
15825 35210
12491 27794
52315 118808
70869 162996
36302 83494
70163 161438
67586 155460
53279 120995
68539 174761
59608 132629
50965 113400
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
50
Primary
Prescription Drugs
Member Survey Results
ded ation
care Hospital Mail
plan
Getting nee
care
How well
teica
r ng rm
Plan Name ndash Location Specialist office copay
per stay deductible Level I
Level II Level III
order discount
Overall
satisfaction
care
Getting
quickly
doctors
commun
Custome
service
Claims
processi
Plan Info
on Costs
South Dakota
Aetna Value Plan InshyNetwork $25$40 20 $10
HMOP
30to$60050 to$1200
OS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
HealthPartners High Option
HealthPartners Standard Option
Sanford Health Plan InshyNetwork
4040
$25$45
$0 for 3 then 20
$20$30
40
Nothing
20 in40 out
$100day x 5
50+
$12
$9
$15
50+50+
$45$90
$40$70
$30$50
No
Yes
Yes
NA
647
647
535
893
893
903
875
875
89
951
951
977
92
92
902
911
911
912
725
725
558 Sanford Health Plan OutshyNetwork
Sanford Health Plan InshyNetwork
4040
$25$25
40
$100day x 5
40+
$15
40+40+
$30$50
NA
NA
535
535 903 89 977 902 912 558 Sanford Health Plan OutshyNetwork
Tennessee
Aetna Value Plan InshyNetwork
40+40+
$25$40
40+
20
40+
$10
40+40+
30to$60050 to$1200
NA
Yes Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
4040
$20$35
$20$35
$25$40
40
$250day x 4
$250day x 3
$500day x 3
50+
$10
$10
$10
50+50+
$35$100
$40$60
$40$60
No
Yes
Yes
Yes
66 875 868 959 889 914 69
51
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Texas
Aetna Value Planshy All of Texas 877shy459shy6604
Aetna Whole Health shyBasicshy Houston Area 877shy459shy6604
Firstcare shyHighshy Waco area 800shy884shy4901
Firstcare shyHighshy West Texas 800shy884shy4901
Firstcare shyHighshy TaylorCallahanEastland 800shy884shy4901
Firstcare shyHighshy Lubbock area 800shy884shy4901
Firstcare shyHighshy BryanCollege Station Area 800shy884shy4901
Humana Value Plan shy Corpus Christi Area 888shy393shy6765
Humana Value Plan shy San Antonio Area 888shy393shy6765
Humana Value Plan shy Austin Area 888shy393shy6765
Humana Health Plan of Texas shyHighshy Houston 888shy393shy6765
Humana Health Plan of Texas shyStdshy Houston 888shy393shy6765
Humana Health Plan of Texas shyHighshy Corpus Christi 888shy393shy6765
Humana Health Plan of Texas shyStdshy Corpus Christi 888shy393shy6765
Humana Health Plan of Texas shyHighshy San Antonio 888shy393shy6765
Humana Health Plan of Texas shyStdshy San Antonio 888shy393shy6765
Humana Health Plan of Texas shyHighshy Austin 888shy393shy6765
Humana Health Plan of Texas shyStdshy Austin 888shy393shy6765
Scott amp White Health Plan shyStdshy Central TX amp Some SE and SW Counties 800shy321shy7947
UnitedHealthcare Benefits of Texas Inc shyHighshy San Antonio 866shy546shy0510
JS4 JS5
ES1 ES2
B71 B72
CK1 CK2
CN1 CN2
CZ1 CZ2
ET1 ET2
TP4 TP5
TU4 TU5
TV4 TV5
EW1 EW2
EW4 EW5
UC1 UC2
UC4 UC5
UR1 UR2
UR4 UR5
UU1 UU2
UU4 UU5
A84 A85
GF1 GF2
17258 41140
12817 40332
11057 37880
10809 34896
13391 65886
13031 61566
12638 56836
10247 22697
10247 22697
10247 22697
13880 30882
12491 27794
17899 39821
13880 30882
55020 122416
13880 30882
26524 59015
15825 35210
14907 37260
32515 78160
61069 138677
52295 137853
45113 135352
44103 132308
54635 163918
53169 159512
51562 154687
41809 92606
41809 92606
41809 92606
56629 125999
50965 113400
61723 137332
56629 126001
99587 221579
56629 126001
70521 156910
59608 132629
58671 134720
76632 176438
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
52
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How well
doctors
communicate
Customer
service
Claims
processing
Plan Inform
ation
on Costs
Texas
Aetna Value Plan InshyNetwork $25$40 20 $10
HMO
30to$60050 to$1200
POS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Aetna Whole Health InshyNetwork
4040
$5$25$35
40
15
50+
$5
50+50+
$35$60
No
Yes Aetna Whole Health OutshyNetwork
FirstcareshyHigh
FirstcareshyHigh
FirstcareshyHigh
FirstcareshyHigh
FirstcareshyHigh
Humana Value Plan InshyNetwork
4040
$30$55
$30$55
$30$55
$30$55
$30$55
$35$55
40
$250day x 5
$250day x 5
$250day x 5
$250day x 5
$250day x 5
20
40
$10
$10
$10
$10
$10
$10
4040
$35$70
$35$70
$35$70
$35$70
$35$70
$40$60
No
Yes
Yes
Yes
Yes
Yes
Yes Humana Value Plan OutshyNetwork
Humana Value Plan InshyNetwork
5050
$35$55
50
20
$10+
$10
$40+$60+
$40$60
No
Yes Humana Value Plan OutshyNetwork
Humana Value Plan InshyNetwork
5050
$35$55
50
20
$10+
$10
$40+$60+
$40$60
No
Yes Humana Value Plan OutshyNetwork
Humana Health Plan of TexasshyHigh
Humana Health Plan of TexasshyStandard
Humana Health Plan of TexasshyHigh
Humana Health Plan of TexasshyStandard
Humana Health Plan of TexasshyHigh
Humana Health Plan of TexasshyStandard
Humana Health Plan of TexasshyHigh
Humana Health Plan of TexasshyStandard
Scott amp White Health PlanshyStandard
UnitedHealthcare Benefits of Texas IncshyHigh
5050
$20$35
$25$40
$20$35
$25$40
$20$35
$25$40
$20$35
$25$40
$20$45
$20$40
50
$250day x 3
$500day x 3
$250day x 3
$500day x 3
$250day x 3
$500day x 3
$250day x 3
$500day x 3
10
$250day x 5
$10+
$10
$10
$10
$10
$10
$10
$10
$10
$5
$10
$40+$60+
$40$60
$40$60
$40$60
$40$60
$40$60
$40$60
$40$60
$40$60
$45$100
$35$60
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
63
63
702
835
835
862
764
764
863
931
931
937
864
864
875
856
856
87
673
673
569
53
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Utah
Aetna Value Planshy Most of Utah 877shy459shy6604
Altius Health Plans shyHighshy Wasatch Front 800shy377shy4161
Altius Health Plans shyStdshy Wasatch Front 800shy377shy4161
SelectHealth shyHighshy Urban and Suburban Utah 800shy538shy5038
SelectHealth shyStdshy Urban and Suburban Utah 800shy538shy5038
Vermont Aetna Value Planshy All of Vermont 877shy459shy6604
Virgin Islands
TripleshyS Salud Inc shyHighshy US Virgin Islands 800shy981shy3241
G54 G55
9K1 9K2
DK4 DK5
SF1 SF2
SF4 SF5
EP4 EP5
851 852
12822 29119
19819 42542
11798 25954
19210 43095
12435 27741
12694 28827
10305 23402
52315 118808
63682 140107
48136 105894
63060 140671
50737 113183
51792 117616
42043 95481
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
54
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How well
doctors
communicate
Customer
service
Claims
processing
Plan Inform
ation
on Costs
Utah
Aetna Value Plan InshyNetwork $25$40 20 $10
HMO
30to$60050 to$1200
POS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Altius Health PlansshyHigh
Altius Health PlansshyStandard
SelectHealthshyHigh
SelectHealthshyStandard
Vermont Aetna Value Plan InshyNetwork
4040
$20$30
$20$40
$15$25
$20$30
$25$40
40
$200
None
$100
$100 after
20
50+
$7
$7
$5$25$50
$5$25$50
$10
50+50+
$25$50
$35$60
$25$50$50
$25 $50$50
30to$60050 to$1200
No
No
None
Yes
Yes
Yes
552
552
629
629
852
852
876
876
813
813
851
851
948
948
958
958
883
883
912
912
895
895
903
903
588
588
64
64
Aetna Value Plan OutshyNetwork
Virgin Islands
4040 40 50+ 50+50+ No
Greater of $15 or TripleshyS Salud Inc InshyNetwork TripleshyS Salud Inc OutshyNetwork
$750$10 $750 amp 10 +$10 amp 10 +
None 10 +
$5 or $12 NA NA
2025 up to$100$175max
Yes No
691 874 844 963 872 75 586
55
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Virginia
Aetna Value Planshy Most of Virginia 877shy459shy6604
Aetna Open Access shyHighshy NorthernCentralRichmond Virginia Areas 877shy459shy6604
Aetna Open Access shyBasicshy NorthernCentralRichmond Virginia Areas 877shy459shy6604
Aetna Whole Health shyBasicshy Roanoke VA area 877shy459shy6604
Aetna Whole Health shyBasicshy Newport News VA area 877shy459shy6604
CareFirst BlueChoice shyHighshy Northern Virginia 888shy789shy9065
CareFirst BlueChoice shyStdshy Northern Virginia 888shy789shy9065
HealthKeepers Inc shyHighshy Virginia 855shy580shy1200
Kaiser Foundation Health Plan MidshyAtlantic States shyHighshy Northern VirginiaFredericksburg area 877shy574shy3337
Kaiser Foundation Health Plan MidshyAtlantic States shyStdshy Northern VirginiaFredericksburg area 877shy574shy3337
MD IPA shyHighshy Northern Viginia 877shy835shy9861
Optima Health Plan shyHighshy Hampton Roads and Richmond areas 800shy206shy1060
Optima Health Plan shyStdshy Hampton Roads and Richmond areas 800shy206shy1060
Piedmont Community Healthcare shyHighshy Lynchburg area 888shy674shy3368
Washington
Aetna Value Planshy Most of Washington 877shy459shy6604
Aetna Open Access shyHighshy Seattle and Spokane areas 877shy459shy6604
Group Health Cooperative shyHighshy Western WACentral WASpokanePullman 888shy901shy4636
Group Health Cooperative shyStdshy Western WACentral WASpokanePullman 888shy901shy4636
KPS Health Plans shyStdshy All of Washington 800shy552shy7114
KPS Health Plans shyHighshy All of Washington 800shy552shy7114
Kaiser Foundation Health Plan of Northwest shyHighshy VancouverLongview 800shy813shy2000
Kaiser Foundation Health Plan of Northwest shyStdshy VancouverLongview 800shy813shy2000
F54 F55
JN1 JN2
JN4 JN5
D91 D92
J91 J92
2G1 2G2
2G4 2G5
A91 A92
E31 E32
E34 E35
JP1 JP2
9R1 9R2
9R4 9R5
2C1 2C2
G54 G55
C31 C32
541 542
544 545
L11 L12
VT1 VT2
571 572
574 575
13058 29656
46867 105610
14021 31351
12138 40332
11280 29365
21177 48693
15284 35429
20427 47008
16926 42124
9646 22186
20245 50123
26858 69565
11269 26665
12235 28017
12822 29119
14933 62274
27070 55009
11742 26509
12426 26823
31651 67459
22672 52645
13617 31283
53279 120995
91271 204437
57208 127913
49524 137853
46023 119808
65067 146381
59056 132852
64302 144663
60731 139681
39358 90520
64116 147840
70861 167671
45977 108794
49920 114308
52315 118808
58698 160234
71078 152824
47908 108156
50700 109437
75750 165523
66592 150412
55557 127637
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
56
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How well
doctors
communicate
Customer
service
Claims
processing
Plan Inform
ation
on Costs
Virginia
Aetna Value Plan InshyNetwork Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Aetna Open AccessshyBasic
Aetna Whole Health InshyNetwork Aetna Whole Health OutshyNetwork
Aetna Whole Health InshyNetwork Aetna Whole Health OutshyNetwork
CareFirst BlueChoiceshyHigh
CareFirst BlueChoice InshyNetwork
$25$40 4040
$15$30
$20$35
$25$35 4040
$5$25$35 4040
$25$35
Nothing$35
20 40
$150day x3
10 Plan Allow
15 40
15 40
$200
$200
$10 50+
$5
$10
$5 40
$5 40
Nothing
Nothing
HMO
50+50+
$35$100
$35$100
$35$60 4040
$35$60 4040
$35$65
$35$65
30to$60050 to$1200
POS National
Yes No
Yes
Yes
Yes No
Yes No
Yes
Yes
Average
69
69
648
648
679
844
844
86
86
864
872
872
833
833
849
942
942
925
925
942
865
865
846
846
877
914
914
902
902
875
567
567
54
54
649
CareFirst BlueChoice OutshyNetwork
HealthKeepers IncshyHigh
Kaiser Foundation HP MidshyAtlantic StatesshyHigh
Kaiser Foundation HP MidshyAtlantic StatesshyStandard
MD IPAshyHigh
Optima Health PlanshyHigh
Optima Health PlanshyStandard
Piedmont Community HealthcareshyHigh
Washington
Aetna Value Plan InshyNetwork Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Group Health CooperativeshyHigh
Group Health CooperativeshyStandard
KPS Health Plans InshyNetwork KPS Health Plans OutshyNetwork
KPS Health Plans InshyNetwork KPS Health Plans OutshyNetwork
Kaiser Foundation HP of NorthwestshyHigh
Kaiser Foundation HP of NorthwestshyStandard
$70$70
$10$20
$20$30
$25$40
$25$30
$35$35
$25$40 4040
$20$35
$25$25
$25$35
$154 or 2020
$30$30 $30+40+diff
$20$30
$30$40
$0$3530NonshyNetwork
$20$0childlt22$30
$154+40+diff 40+diff
$500
$200 x3 days
$100
$250dayx3
$150day x 3
$150max$750
$20020
20
20 40
$250day x 4
$350
$500
Nothing Nothing
None None
$200
$500
Nothing
$0
$7$17 Net
$12$22Net
$7
$10
$10
$15
$10 50+
$10
$20
$20
$10 Not Covered
$5 Not Covered
$15
$20
$35$65
$30$50$50
$30$50$45$65
$35$55$50$70
$30$60
$40$55
50+50+
$35$100
$40$60
$40$60
Not Covered
NA
$40$60
$40$60
$353050up to $3000
$355050 up to $3000
$35$50 30day$100 90day
$25$50 30day$100 90day
30to$60050 to$1200
Yes
Yes
Yes
Yes
Yes
Yes
No
No
Yes No
Yes
Yes
Yes
Yes No
Yes No
Yes
Yes
83
83
583
692
692
659
659
798
798
768
768
867
867
846
864
864
86
86
94
94
844
844
833
831
831
876
886
886
869
869
928
928
847
847
927
927
937
969
969
941
941
957
957
916
916
813
813
867
87
87
912
912
931
931
927
927
836
836
841
916
916
881
881
897
897
89
89
702
702
677
674
674
692
692
65
65
683
683
57
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
West Virginia
Aetna Value Planshy Most of West Virginia 877shy459shy6604
The Health Plan of the Upper Ohio Valley shyHighshy NorthernCentral West Virginia 800shy624shy6961
Wisconsin
Aetna Value Planshy All of Wisconsin 877shy459shy6604
Aetna Whole Health shyBasicshy Milwaukee WI Area 877shy459shy6604
Dean Health Plan shyHighshy South Central Wisconsin 800shy279shy1301
Group Health Cooperative shyHighshy South Central Wisconsin 800shy605shy4327
HealthPartners High Option shy Western Wisconsin 800shy883shy2177
HealthPartners Standard Option shy Western Wisconsin 800shy883shy2177
MercyCare HMO shyHighshy South Central Wisconsin 800shy895shy2421
Physicians Plus shyHighshy All of WI 800shy545shy5015
Wyoming
Aetna Value Plan shyBasicshy All of Wyoming 877shy459shy6604
Altius Health Plans shyHighshy Uinta County 800shy377shy4161
Altius Health Plans shyStdshy Uinta County 800shy377shy4161
F54 F55
U41 U42
JS4 JS5
F71 F72
WD1 WD2
WJ1 WJ2
V31 V32
V34 V35
EY1 EY2
LW1 LW2
H44 H45
9K1 9K2
DK4 DK5
13058 29656
26271 60855
17258 41140
10600 29208
24382 72670
15910 51534
26865 64982
8897 20464
14597 48275
16556 55954
13093 29732
19819 42542
11798 25954
53279 120995
70263 158786
61069 138677
43250 119170
68336 170838
59694 149279
70869 162996
36302 83494
58355 145955
60353 153787
53418 121307
63682 140107
48136 105894
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
58
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Claims
processing
Getting needed
care
Getting care
quickly
How well
doctors
communicate
Customer
service
Plan Inform
ation
on Costs
West Virginia
Aetna Value Plan InshyNetwork Aetna Value Plan OutshyNetwork
The Health Plan of the Upper Ohio ValleyshyHigh
Wisconsin
Aetna Value Plan InshyNetwork Aetna Value Plan OutshyNetwork
Aetna Whole Health InshyNetwork Aetna Whole Health OutshyNetwork
Dean Health PlanshyHigh
Group Health CooperativeshyHigh
HealthPartners High Option
HealthPartners Standard Option
MercyCare HMOshyHigh
Physicians PlusshyHigh
Wyoming
Aetna Value Plan InshyNetwork Aetna Value Plan OutshyNetwork
Altius Health PlansshyHigh
Altius Health PlansshyStandard
$25$40 4040
$10$20
$25$40 4040
$25$35 4040
$25$25
$10$10
$25$45
$0 for 3 then 20
$10$10
$10$10
$25$40 4040
$20$30
$20$40
20 40
$250
20 40
15 40
None
None
Nothing
20 in40 out
Nothing
Nothing
20 40
$200
None
$10 Yes 50+ 50+50+ No
$15 $30$50 Yes
$10 Yes 50+ 50+50+ No
$5 $35$60 Yes 40 4040 No
$10 Yes
$5 $20$20 Yes
$12 $45$90 Yes
$9 $40$70 Yes
$10 $20$50 Yes
$10 3050 No
$10 Yes 50+ 50+50+ No
$7 $25$50 No
$7 $35$60 None
HMOPOS National Average
30$75max 50 wmin$50
30to$60050 to$1200
30to$60050 to$1200
30to$60050 to$1200
744
682
785
647
647
784
601
552
552
679
909 876 951 929 944
909 90 97 834 879
834 834 953 929 932
893 875 951 92 911
893 875 951 92 911
888 854 938 888 87
857 822 96 863 866
852 813 948 883 895
852 813 948 883 895
864 849 942 877 875
745
588
718
725
725
684
686
588
588
649
59
Appendix E FEHB Plan Comparison Charts
High Deductible and ConsumershyDriven Health Plans With a Health Savings Account or Health Reimbursement Arrangement
(Pages 64 through 83)
A High Deductible Health Plan (HDHP) provides comprehensive coverage for highshycost medical events and a taxshyadvantaged way to help you build savings for future medical expenses The HDHP gives you greater flexibility and discretion over how you use your health care benefits
When you enroll your health plan establishes for you either a Health Savings Account (HSA) or a Health Reimbursement Arrangement (HRA) The plan automatically deposits the monthly ldquopremium pass throughrdquo into your HSA The plan credits an amount into the HRA (This is the ldquoPremium Contribution to HSAHRArdquo column in the following charts)
Preventive care is covered in full As you receive other nonshypreventive medical care you must meet the plan deductible before the health plan pays benefits You can choose to pay your deductible with funds from your HSA or you can choose instead to pay for your deductible outshyofshypocket allowing your savings to continue to grow
The HDHP features higher annual deductibles (a minimum of $1250 for Self Only and $2500 for Self and Family coverage) and annual outshyofshypocket limits (not to exceed $6350 for Self Only and $12700 for Self and Family coverage) than other insurance plans Depending on the HDHP you choose you may have the choice of using InshyNetwork and OutshyofshyNetwork providers There may be higher deductibles and outshyofshypocket limits when you use OutshyofshyNetwork providers Using InshyNetwork providers will save you money
Health Savings Account (HSA)
A Health Savings Account allows individuals to pay for current health expenses and save for future qualified medical expenses on a preshytax basis Funds deposited into an HSA are not taxed the balance in the HSA grows tax free and that amount is available on a tax free basis to pay medical costs You are eligible for an HSA if you are enrolled in an HDHP not covered by any other health plan that is not an HDHP (including a spousersquos health plan but does not include specific injury insurance and accident disability dental care vision care or longshyterm coverage) not enrolled in Medicare not received VA benefits or IHS benefits within the last three months not covered by your own or your spousersquos flexible spending account (FSA) and are not claimed as a dependent on someone elsersquos tax return If you are enrolled in a High Deductible Health Plan with an HSA you may not participate in a Health Care Flexible Spending Account (HCFSA) but you are permitted to participate in a Limited Expense (LEX) HCFSA HSAs are subject to a number of rules and limitations established by the Department of the Treasury
Visit wwwtreasurygovresourceshycenterfaqstaxespageshealthshysavingsshyaccountsaspx for more information The 2014 maximum contribution limits are $3300 for Self Only coverage and $6550 for Self and Family coverage If you are over 55 you can make an additional ldquocatch uprdquo contribution You can use funds in your account to help pay your health plan deductible
60
Appendix E FEHB Plan Comparison Charts
High Deductible and ConsumershyDriven Health Plans With a Health Savings Account or Health Reimbursement Arrangement
Features of an HSA include
bull Taxshydeductible deposits you make to the HSA Your own HSA contributions are either taxshydeductible or preshytax (if made by payroll deduction) See IRS Publication 969
bull Taxshydeferred interest earned on the account
bull Taxshyfree withdrawals for qualified medical expenses
bull Carryover of unused funds and interest from year to year
bull Portability the account is owned by you and is yours to keep ndash even when you retire leave government service or change plans
Health Reimbursement Arrangement (HRA)
Health Reimbursement Arrangements are a common feature of ConsumershyDriven Health Plans They may be referred to by the health plan under a different name such as personal care account They are also available to enrollees in High Deductible Health Plans who are not eligible for an HSA HRAs are similar to HSAs except
bull An enrollee cannot make deposits into an HRA
bull A health plan may impose a ceiling on the value of an HRA
bull Interest is not earned on an HRA and
bull The amount in an HRA is not transferable if the enrollee leaves the health plan
If you are enrolled in a High Deductible Health Plan with an HRA you may participate in a Health Care Flexible Spending Account (HCFSA)
The plan will credit the HRA different amounts depending on whether you have a Self Only or a Self and Family enrollment You can use funds in your account to help pay your health plan deductible
Features of an HRA include
bull Taxshyfree withdrawals for qualified medical expenses bull Carryover of unused credits from year to year bull Credits in an HRA do not earn interest bull Credits in the HRA are forfeited if you leave federal employment or switch health insurance plans
Please note that the premium rates provided are the maximum amount you are expected to pay for your premium Your tribal employer may choose to pay a higher portion of your premium Please check with your tribal employer for exact rates
61
Appendix E FEHB Plan Comparison Charts
High Deductible and ConsumershyDriven Health Plans With a Health Savings Account or Health Reimbursement Arrangement
ELIGIBILITY
FUNDING
Health Savings Account (HSA)
You must enroll in a High Deductible Health Plan (HDHP) No other general medical insurance coverage is permitted You cannot be enrolled in Medicare Part A or Part B You cannot be claimed as a dependent on someone elsersquos tax returns
The plan deposits a monthly ldquopremium pass throughrdquo into your account
Health Reimbursement Arrangement (HRA)
You must enroll in a High Deductible Health Plan (HDHP)
The plan deposits the credit amount directly into your account
CONTRIBUTIONS
DISTRIBUTIONS
The maximum allowed is a combination of the health plan ldquopremium pass throughrdquo and the member contribution up to the maximum contribution amount set by the IRS each year
May be used to pay the outshyofshypocket medical expenses for yourself your spouse or your dependents (even if they are not covered by the HDHP) or to pay the planrsquos deductible
See IRS Publication 502 for a complete list of eligible expenses
Only that portion of the premium specified by the health plan will be contributed You cannot add your own money to an HRA
May be used to pay the outshyofshypocket expenses for qualified medical expenses for individuals covered under the HDHP or to pay the planrsquos deductible
See IRS Publication 502 for a complete list of eligible expenses
ANNUAL ROLLOVER
PORTABLE Yes you can take this account with you when you change plans separate from service or retire
Yes funds accumulate without a maximum cap
If you retire and remain in your HDHP you may continue to use and accumulate credits in your HRA
If you terminate employment or change health plans only eligible expenses incurred while covered under that HDHP will be eligible for reimbursement subject to timely filing requirements Unused credits are forfeited
Yes credits accumulate without a maximum cap
IMPORTANT REMINDER This is only a summary of the features of the HDHPHSA or HRA Refer to the specific Plan brochure for the complete details covering Plan design operation and administration as each Plan will have differences
62
Appendix E FEHB Plan Comparison Charts
High Deductible and ConsumershyDriven Health Plans With a Health Savings Account or Health Reimbursement Arrangement
The tables on the following pages highlight selected features that may help you narrow your choice of health plans The tables do not show all of your possible outshyofshypocket costs All benefits are subject to the definitions limitations and exclusions set forth in each planrsquos Federal brochure which is the official statement of benefits available under the planrsquos contract with the Office of Personnel Management Always consult plan brochures before making your final decision
A ConsumershyDriven plan provides you with freedom in spending health care dollars the way you want The typical plan has features such as member responsibility for certain upshyfront medical costs an employershyfunded account that you may use to pay these upshyfront costs and catastrophic coverage with a high deductible You and your family receive full coverage for InshyNetwork preventive care
63
Appendix E FEHB Plan Comparison Charts
High Deductible and ConsumershyDriven Health Plans With a Health Savings Account or Health Reimbursement Arrangement
The tables on the following pages highlight what you are expected to pay for selected features under each plan The charts are not a complete statement of your outshyofshypocket obligations in every individual circumstance Unlike many regular medical plans the covered outshyofshypocket expenses under a High Deductible Health Plan including office visit copayments and prescription drug copayments count toward the calendar year deductible and the catastrophic limit You must read the planrsquos brochure for details
Premium Contribution (pass through) to HSAHRA (or personal care account) shows the amount your health plan automatically deposits or credits into your account on a monthly basis for Self OnlySelf and Family enrollments (ConsumershyDriven Health Plans credit accounts annually) The amount credited under ldquoPremium Contributionrdquo is shown as a monthly amount for comparison purposes only
Calendar Year (CY) Deductible SelfFamily is the maximum amount of covered expenses an individual or family must pay outshyofshypocket including deductibles coinsurance and copayments before the plan pays catastrophic benefits
Catastrophic (Cat) Limit SelfFamily is the maximum amount of covered expenses an individual or family must pay outshyofshypocket including deductibles and coinsurance and copays before the Plan pays catastrophic benefits
Office Visit shows what you pay for a visit to a primary care physician after the deductible is met for other than preventive care
Inpatient Hospital shows what you pay after the deductible is met for hospital services when an inpatient The amount could be a daily copayment up to a specified amount (eg $50 a day up to three days) a coinsurance amount such as 20 or a flat deductible amount (eg $200 per admission) This amount does not include charges from physicians or for services that may not be charged by the hospital such as laboratory or radiology
Your Maximum Monthly Premium is the maximum amount you will pay for your premium Your tribal employer may choose to pay a higher portion of your premium Check with your tribal employer for exact rates
Temporary Continuation of Coverage (TCC) allows former tribal employees and formerly eligible family members to continue their FEHB coverage for a limited period Under TCC you pay the total monthly premium (enrolleersquos share plus the tribal employerrsquos share) plus a 2 administrative charge which equals 102 of Your Total Monthly Premium
Plan Name Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
APWU Health Plan shyCDHPshy Nationwide
GEHA High Deductible Health Plan shyHDHPshy Nationwide
MHBP shy Consumer Option shyHDHPshy Nationwide
NALC shyCDHPshy Nationwide
800shy718shy1299
800shy821shy6136
800shy694shy9901
888shy636shy6252
474 475
341 342
481 482
324 325
9742 21915
11021 25172
13642 30912
10454 22700
39747 89414
44967 102703
55661 126120
42653 92617
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
64
Appendix E FEHB Plan Comparison Charts
High Deductible and ConsumershyDriven Health Plans With a Health Savings Account or Health Reimbursement Arrangement
20 or a flat deductible amount (eg $200 per admission) This amount does not include charges from physicians or for services that may not be charged by the hospital such as laboratory or radiology
Outpatient Surgery shows what you pay the doctor for surgery performed on an outpatient basis
Preventive Services are often covered in full usually with no or only a small deductible or copayment Preventive services may also be payable up to an annual maximum dollar amount (eg up to $300 per person per year)
Prescription Drug Payment Levels Plans use terms such as Level (L I L II) or Tier (T1 T2) to show what you pay for generic or brand name prescription drugs The payment levels that plans use follow L I or Tier 1 includes generic drugs but may include some preferred brands L II or Tier 2 includes preferred brands and may include some generics L III or Tier 3 includes nonshypreferred brands other covered drugs and with some exceptions specialty drugs L IV or Tier 4 includes mostly preferred specialty drugs L V or Tier 5 generally includes nonshypreferred specialty drugs
High Deductible Health Plans and Consumer shy Driven Health Plans are much different from the other types of plans shown in this Guide You can use inshynetwork providers to save money If you use outshyofshynetwork providers however you not only pay more of the costs but you are also usually responsible for any difference between the amount billed for a service and what the plan actually allows (For example you receive a bill from an outshyofshynetwork provider for $100 but the plan allows $85 for the service You pay the higher copayment for outshyofshynetwork care plus the $15 difference between $100 ndash the billed amount ndash and the planrsquos allowance of $85) In addition the difference you pay between the billed amount and the planrsquos allowance does not count toward satisfying the catastrophic limit
Plan Name Benefit Premium CY Ded Cat Limit Office Inpatient Outpatient Preventive Prescription Type Contribution SelfFamily SelfFamily Visit Hospital Surgery Services Drugs
SelfFamily Levels I II III
APWU Health Plan InshyNetwork $1200$2400 $600$1200 $3000$4500 15 None 15 Nothing 252525 APWU Health Plan OutshyNetwork $1200$2400 $600$1200 $9000$9000 40+diff None 40+diff Nothing up to $1200 Not CoveredNANA
GEHA HDHP InshyNetwork $6250$125 $1500$3000 $5000$10000 5 5 5 Nothing 252525 GEHA HDHP OutshyNetWork $6250$125 $1500$3000 $5000$10000 25 25 25 Ded25 25+25+25+
MHBP shy Consumer Option InshyNetwork $70$141 $2000$4000 $5000$10000 $15 $75 dayshy$750 Nothing Nothing $10$25$40 MHBP shy Consumer Option OutshyNetWork $70$141 $2000$4000 $7500$15000 40 40 40 Not Covered Not Covered
NALC InshyNetwork $1200$2400 $2000$4000 $4000$8000 20 20 20 Nothing $10$40$60 NALC OutshyNetwork $1200$2400 $4000$8000 $8000$16000 50 50 50 50 505050+
65
High Deductible Health Plans and ConsumershyDriven Health Plan Member Survey Results
Member Survey results are collected scored and reported by an independent organization ndash not by the health plans See Appendix D for a fuller explanation of each survey category
Overall Plan Satisfaction bull How would you rate your overall experience with your health plan
Getting Needed Care bull How often was it easy to get an appointment the care tests or treatment you thought you needed through your health plan
Getting Care Quickly bull When you needed care right away how often did you get care as soon as you thought you needed bull Not counting the times you needed care right away how often did you get an appointment at a doctorrsquos office or clinic
as soon as you thought you needed
How Well Doctors bull How often did your personal doctor explain things in a way that was easy to understand Communicate bull How often did your personal doctor listen carefully to you show respect for what you had to say and spend enough time with you
Customer Service bull How often did written materials or the Internet provide the information you needed about how your health plan works bull How often did your health planrsquos customer service give you the information or help you needed bull How often were the forms from your health plan easy to fill out
Claims Processing bull How often did your health plan handle your claims quickly and correctly
Plan Information on Costs bull How often were you able to find out from your health plan how much you would have to pay for a health care service or equipment or for specific prescription drug medicines
Aetna HealthFund shy Nationwide 22
GEHA High Deductible Health Plan shy Nationwide 34
Mail Handlers Benefit Plan Consumer Option shy Nationwide 48
Aetna HealthFund shy Nationwide 22
APWU Health Plan shy Nationwide 47
Humana CoverageFirst shy TX TP TU TV
Humana Coverage First shy IN MW
High Deductible Health Plans Plan Name
Plan Code
ConsumershyDriven Health Plans Plan Name
Plan Code
HDHP National Average
CDHP National Average
614
606
623
614
579
606
664
566
478
Overall plan satisfaction
Overall plan satisfaction
885 866 929 860
891 888 952 830
873 851 923 863
891 859 912 887
881 865 939 850
891 888 952 830
909 907 925 871
849 864 932 843
875 801 948 856
Getting needed care
Getting care quickly
How well doctors
communicate Customer service
Member Survey Results
Getting needed care
Getting care quickly
How well doctors
communicate Customer service
876
879
865
885
847
879
845
853
812
Claims processing
Claims processing
585
563
602
590
585
563
680
542
555
Plan Information on Costs
Plan Information on Costs
66
The tables on the following pages highlight selected features that may help you narrow your choice of health plans The tables do not show all of your possible outshyofshypocket costs All benefits are subject to the definitions limitations and exclusions set forth in each planrsquos Federal brochure which is the official statement of benefits available under the planrsquos contract with the Office of Personnel Management Always consult plan brochures before making your final decision
67
High Deductible and ConsumershyDriven Health Plans See pages 64shy65 for an explanation of the columns on these pages
Plan Name
Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Aetna HealthFund shyHDHPshy All 50 States and DC 877shy459shy6604 224 225 11856 25965 48372 105938
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Alabama
Aetna HealthFund shyCDHPshy Most of Alabama
Alaska
Aetna HealthFund shyCDHPshy Most of Alaska
Arizona
Aetna HealthFund shyCDHPshy All of Arizona
Arkansas
Aetna HealthFund shyCDHPshy Most of Arkansas
California
Aetna HealthFund shyCDHPshy Most of California
Colorado
Aetna HealthFund shyCDHPshy All of Colorado
Plan Name
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
Telephone Number
Enrollment Code
F51
JS1
G51
F51
JS1
G51
Self only
F52
JS2
G52
F52
JS2
G52
Self amp family
16322
22787
21977
16322
22787
21977
Self only
39021
53701
51861
39021
53701
51861
Self amp family
60115
66709
65883
60115
66709
65883
Self only
136516
151489
149613
136516
151489
149613
Self amp family
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
68
Plan Name
Benefit Type
Premium Contribution to HSAHRA
CY Ded SelfFamily
Cat Limit SelfFamily
Office Visit
Inpatient Hospital
Outpatient Surgery
Preventive Services
Prescription Drugs
Levels I II III
Aetna HealthFund HDHP InshyNetwork $6250$125 $1500$3000 $4000$8000 10 10 10 Nothing $10$35$60 Aetna HealthFund HDHP OutshyNetWork $6250$125 $2500$5000 $5000$10000 30 30 30 Ded30 30+30+30+
Premium Benefit CY Ded Cat Limit Office Inpatient Outpatient Preventive Prescription Contribution Type SelfFamily SelfFamily Visit Hospital Surgery Services Drugs to HSAHRA Levels I II III Plan Name
Alabama
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Alaska
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed4040+40+40+
Arizona
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Arkansas
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
California
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Colorado
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
69
High Deductible and ConsumershyDriven Health Plans See pages 64shy65 for an explanation of the columns on these pages
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Connecticut
Aetna HealthFund shyCDHPshy All of Connecticut
Delaware
Aetna HealthFund shyCDHPshy All of Delaware
District of Columbia
Aetna HealthFund shyCDHPshy All of Washington DC
CareFirst BlueChoice shyHDHPshy Washington DC Metro Area
Florida
Aetna HealthFund shyCDHPshy Most of Florida
Coventry Health Plan of Florida shyHDHPshy Southern Florida
Humana CoverageFirst shyCDHPshy Tampa Area
Humana CoverageFirst shyCDHPshy South Florida Area
Georgia
Aetna HealthFund shyCDHPshy All of Georgia
Humana CoverageFirst shyCDHPshy Atlanta Area
Humana CoverageFirst shyCDHPshy Macon Area
Guam
TakeCare shyHDHPshy GuamN Mariana IslandsBelau (Palau)
Plan Name
877shy459shy6604
877shy459shy6604
877shy459shy6604
888shy789shy9065
877shy459shy6604
800shy441shy5501
888shy393shy6765
888shy393shy6765
877shy459shy6604
888shy393shy6765
888shy393shy6765
671shy647shy3526
Telephone Number
Enrollment Code
EP1
EP1
F51
B61
F51
J41
MJ1
QP1
F51
AD1
LM1
KX1
Self only
EP2
EP2
F52
B62
F52
J42
MJ2
QP2
F52
AD2
LM2
KX2
Self amp family
20174
20174
16322
14018
16322
13979
12818
10987
16322
11598
12208
6822
Self only
47770
47770
39021
31268
39021
43929
28521
24447
39021
25804
27163
17900
Self amp family
64044
64044
60115
57192
60115
57033
52297
44828
60115
47321
49809
27833
Self only
145440
145440
136516
127574
136516
141522
116366
99744
136516
105282
110827
73032
Self amp family
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
70
Premium Benefit CY Ded Cat Limit Office Inpatient Outpatient Preventive Prescription Contribution Type SelfFamily SelfFamily Visit Hospital Surgery Services Drugs to HSAHRA Levels I II III Plan Name
Connecticut
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Delaware
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
District of Columbia
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
CareFirst BlueChoice InshyNetwork $3750$7500 $1500$3000 $4000$8000 Nothing $300 Nothing Nothing Nothing$30$60 CareFirst BlueChoice OutshyNetWork $3750$7500 $3000$6000 $6000$12000 $70 $500 $70 Nothing Nothing$30$60
Florida
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Coventry Health Plan of Florida $8334$16667 $2500$5000 $5000$10000 $10 Ded+20 Ded+20 Nothing $5$35$5020
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst outshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst outshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Georgia
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst outshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst outshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Guam
TakeCare InshyNetwork $8666$22208 $3000$6000 $5000$10000 20 after Ded 20 after Ded 20 after Ded Nothing $20$40$150 30 after Ded30 after Ded TakeCare OutshyNetWork $8666$22208 $3000$6000 $10000$20000 30 after Ded 30 after Ded 30 after Ded 1st $300ded 30 after Ded
71
High Deductible and ConsumershyDriven Health Plans See pages 64shy65 for an explanation of the columns on these pages
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Hawaii Aetna HealthFund shyCDHPshy All of Hawaii
Idaho
Aetna HealthFund shyCDHPshy Most of Idaho
Altius Health Plans shyHDHPshy Southern Region
Illinois
Aetna HealthFund shyCDHPshy Most of Illinois
Humana CoverageFirst shyCDHPshy Central Illinois
Humana CoverageFirst shyCDHPshy Chicago Area
Indiana
Aetna HealthFund shyCDHPshy All of Indiana
Humana CoverageFirst shyCDHPshy LakePorterLaPorte Counties
Iowa
Aetna HealthFund shyCDHPshy All of Iowa
Coventry Health Care of Iowa shyHDHPshy CentralEasternWestern Iowa
Kansas
Aetna HealthFund shyCDHPshy Most of Kansas
Coventry Health Care of Iowa shyHDHPshy CentralEasternWestern Iowa
Humana CoverageFirst shyCDHPshy Kansas City Area
Plan Name
877shy459shy6604
877shy459shy6604
800shy377shy4161
877shy459shy6604
888shy393shy6765
888shy393shy6765
877shy459shy6604
888shy393shy6765
877shy459shy6604
800shy257shy4692
877shy459shy6604
800shy969shy3343
888shy393shy6765
Telephone Number
Enrollment Code
JS1
H41
9K4
H41
GB1
MW1
JS1
MW1
H41
SV4
G51
9H1
PH1
Self only
JS2
H42
9K5
H42
GB2
MW2
JS2
MW2
H42
SV5
G52
9H2
PH2
Self amp family
22787
16237
8704
16237
12208
12208
22787
12208
16237
8970
21977
12747
10987
Self only
53701
38826
18033
38826
27163
27162
53701
27162
38826
21408
51861
29956
24447
Self amp family
66709
60028
35514
60028
49809
49809
66709
49809
60028
36598
65883
52008
44828
Self only
151489
13631
73576
136317
110827
110823
151489
110823
136317
87344
149613
122219
99744
Self amp family
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
72
Premium Benefit CY Ded Cat Limit Office Inpatient Outpatient Preventive Prescription Contribution Type SelfFamily SelfFamily Visit Hospital Surgery Services Drugs to HSAHRA Levels I II III Plan Name
Hawaii Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Idaho
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Altius Health Plans $4583$9166 $1250$2500 $5000$10000 $20 10 10 Nothing $7$25$50
Illinois
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirs outshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst outshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Indiana
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst outshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Iowa
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Coventry Health Care of Iowa $8333$16666 $2100$4200 $5000$10000 $25 15 45 Nothing $3 $10$45$70
Kansas
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Coventry Health Care of Kansas (Kansas City)shyHDHP $6666$13333 $2500$5000 $4000$8000 20 20 20 Nothing 202020
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst outshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
73
High Deductible and ConsumershyDriven Health Plans See pages 64shy65 for an explanation of the columns on these pages
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Kentucky
Aetna HealthFund shyCDHPshy Most of Kentucky
Humana CoverageFirst shyCDHPshy Lexington Area
Louisiana
Aetna HealthFund shyCDHPshy Most of Louisiana
Maine
Aetna HealthFund shyCDHPshy All of Maine
Maryland
Aetna HealthFund shyCDHPshy All of Maryland
CareFirst BlueChoice shyHDHPshy All of Maryland
Coventry Health Care HDHP shy All of Maryland
Massachusetts
Aetna HealthFund shyCDHPshy Most of Massachusetts
Michigan
Aetna HealthFund shyCDHPshy All of Michigan
Minnesota
Aetna HealthFund shyCDHPshy Most of Minnesota
Mississippi Aetna HealthFund shyCDHPshy Most of Mississippi
Plan Name
877shy459shy6604
888shy393shy6765
877shy459shy6604
877shy459shy6604
877shy459shy6604
888shy789shy9065
800shy833shy7423
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
Telephone Number
Enrollment Code
H41
6N1
F51
EP1
F51
B61
GZ1
EP1
G51
H41
H41
Self only
H42
6N2
F52
EP2
F52
B62
GZ2
EP2
G52
H42
H42
Self amp family
16237
10987
16322
20174
16322
14018
11980
20174
21977
16237
16237
Self only
38826
24447
39021
47770
39021
31268
26835
47770
51861
38826
38826
Self amp family
60028
44828
60115
64044
60115
57192
48880
64044
65883
60028
60028
Self only
136317
99744
136516
145440
136516
127574
109488
145440
149613
136317
136317
Self amp family
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
74
Premium Benefit CY Ded Cat Limit Office Inpatient Outpatient Preventive Prescription Contribution Type SelfFamily SelfFamily Visit Hospital Surgery Services Drugs to HSAHRA Levels I II III Plan Name
Kentucky
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst outshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Louisiana
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Maine
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Maryland
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
CareFirst BlueChoice InshyNetwork $3750$7500 $1500$3000 $4000$8000 Nothing $300 Nothing Nothing Nothing$30$60 CareFirst BlueChoice
Coventry Health Care HDHP
OutshyNetWork
InshyNetwork
$3750$7500
$4167$8334
$3000$6000
$2000$4000
$6000$12000
$4000$8000
$70
Nothing
$500
Nothing
$70
Nothing
Nothing
Nothing
Nothing$30$60
$3$15$30$60 Coventry Health Care HDHP OutshyNetWork $4167$8334 $2000$4000 $4000$8000 30 30 30 30 NA
Massachusetts
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Michigan
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Minnesota
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Mississippi Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
75
High Deductible and ConsumershyDriven Health Plans See pages 64shy65 for an explanation of the columns on these pages
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Missouri Aetna HealthFund shyCDHPshy Most of Missouri
Humana CoverageFirst shyCDHPshy Kansas City Area
Montana
Aetna HealthFund CDHP shy SouthSoutheastWestern MT Areas
Nebraska
Aetna HealthFund shyCDHPshy All of Nebraska
Nevada
Aetna HealthFund shyCDHPshy Las Vegas Area
New Hampshire
Aetna HealthFund shyCDHPshy All of New Hampshire
New Jersey
Aetna HealthFund shyCDHPshy All of New Jersey
New Mexico
Aetna HealthFund shyCDHPshy AlbuquerqueDona AnaHobbs Area
New York
Aetna HealthFund shyCDHPshy Most of New York
Independent Health Assoc shyHDHPshy Western New York
Plan Name
Coventry Health Care of Kansas (Kansas City)shyHDHP Kansas City Metro Area (KS and MO)
877shy459shy6604
800shy969shy3343
888shy393shy6765
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
800shy501shy3439
Telephone Number
Enrollment Code
G51
9H1
PH1
H41
H41
G51
EP1
EP1
G51
EP1
QA4
Self only
G52
9H2
PH2
H42
H42
G52
EP2
EP2
G52
EP2
QA5
Self amp family
21977
12747
10987
16237
16237
21977
20174
20174
21977
20174
9575
Self only
51861
29956
24447
38826
38826
51861
47770
47770
51861
47770
24919
Self amp family
65883
52008
44828
60028
60028
65883
64044
64044
65883
64044
39066
Self only
149613
122219
99744
136317
136317
149613
145440
145440
149613
145440
101669
Self amp family
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
76
Premium Benefit CY Ded Cat Limit Office Inpatient Outpatient Preventive Prescription Contribution Type SelfFamily SelfFamily Visit Hospital Surgery Services Drugs to HSAHRA Levels I II III Plan Name
Missouri Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Coventry Health Care of Kansas (Kansas City)shyHDHP $8333$16666 $2500$5000 $3500$7000 20 20 20 Nothing 202020
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst OutshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Montana
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Nebraska
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Nevada
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
New Hampshire
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
New Jersey
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
New Mexico
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
New York
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Independent Health Assoc InshyNetwork $6642$16667 $2000$4000 $5000$10000 $15 Nothing 20 Nothing $7$25$40 Independent Health Assoc OutshyNetWork $6642$16667 $2000$4000 $5000$10000 40 40 40 Nothing NA
77
High Deductible and ConsumershyDriven Health Plans See pages 64shy65 for an explanation of the columns on these pages
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
North Carolina
Aetna HealthFund shyCDHPshy All of North Carolina
North Dakota
Aetna HealthFund shyCDHPshy Most of North Dakota
Ohio Aetna HealthFund shyCDHPshy All of Ohio
AultCare HMO shyHDHPshy StarkCarrollHolmesTuscarawasWayne Co
Oklahoma Aetna HealthFund shyCDHPshy All of Oklahoma
Oregon Aetna HealthFund shyCDHPshy Most of Oregon
Pennsylvania
Aetna HealthFund shyCDHPshy All of Pennsylvania
HealthAmerica Pennsylvania shy HDHP shy Greater Pittsburgh Area
UPMC Health Plan shyHDHPshy Western Pennsylvania
Rhode Island
Aetna HealthFund shyCDHPshy All of Rhode Island
South Carolina
Aetna HealthFund shyCDHPshy All of South Carolina
Plan Name
877shy459shy6604
877shy459shy6604
877shy459shy6604
330shy363shy6360
877shy459shy6604
877shy459shy6604
877shy459shy6604
866shy351shy5946
888shy876shy2756
877shy459shy6604
877shy459shy6604
Telephone Number
Enrollment Code
F51
H41
JS1
3A4
JS1
H41
H41
Y61
8W4
EP1
JS1
Self only
F52
H42
JS2
3A5
JS2
H42
H42
Y62
8W5
EP2
JS2
Self amp family
16322
16237
22787
8669
22787
16237
16237
12298
12448
20174
22787
Self only
39021
38826
53701
17501
53701
38826
38826
28345
28053
47770
53701
Self amp family
60115
60028
66709
35369
66709
60028
60028
50178
50788
64044
66709
Self only
136516
136317
151489
71405
151489
136317
136317
115650
114458
145440
151489
Self amp family
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
78
North Carolina
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
North Dakota
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Ohio Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
AultCare HMO InshyNetwork $8333$16666 $2000$4000 $4000$8000 20 20 20 Nothing 202020 AultCare HMO OutshyNetWork $8333$16666 $4000$8000 $8000$16000 40 UCR 40 UCR 40 UCR 50 UCR
Oklahoma Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Oregon Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Pennsylvania
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
HealthAmerica Pennsylvania shy HDHP $6250$125 $1500$3000 $4000$8000 $15 Nothing Nothing Nothing $5$35$50
UPMC Health Plan InshyNetwork $8333$$16667 $2000$4000 $3000$6000 10after deduct Nothing UPMC Health Plan OutshyNetWork $8333$16667 $2000$4000 $6000$12000 30after deduct 30 NA
Rhode Island
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
South Carolina
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Plan Name
Premium Contribution to HSAHRA
CY Ded SelfFamily
Cat Limit SelfFamily
Office Visit
Inpatient Hospital
Outpatient Surgery
Preventive Services
Prescription Drugs
Levels I II III
Benefit Type
20 Plan Allow20 Plan Allow 20 Plan Allow
$5 after deduct$35 after deduct
10After Deduct
10 after deduct
30After Deduct
30 after deduct
79
High Deductible and ConsumershyDriven Health Plans See pages 64shy65 for an explanation of the columns on these pages
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
South Dakota
Aetna HealthFund shyCDHPshy Rapid CitySioux Falls Area
Tennessee
Aetna HealthFund shyCDHPshy Most of Tennessee
Texas Aetna HealthFund shyCDHPshy All of Texas
Humana CoverageFirst shyCDHPshy Corpus Christi Area
Humana CoverageFirst shyCDHPshy San Antonio Area
Humana CoverageFirst shyCDHPshy Austin Area
Utah Aetna HealthFund shyCDHPshy Most of Utah
Altius Health Plans shyHDHPshy Wasatch Front
Vermont
Aetna HealthFund shyCDHPshy All of Vermont
Virginia Aetna HealthFund shyCDHPshy Most of Virginia
CareFirst BlueChoice shyHDHPshy Northern Virginia
Plan Name
877shy459shy6604
877shy459shy6604
877shy459shy6604
888shy393shy6765
888shy393shy6765
888shy393shy6765
877shy459shy6604
800shy377shy4161
877shy459shy6604
877shy459shy6604
888shy789shy9065
Telephone Number
Enrollment Code
G51
F51
JS1
TP1
TU1
TV1
G51
9K4
EP1
F51
B61
Self only
G52
F52
JS2
TP2
TU2
TV2
G52
9K5
EP2
F52
B62
Self amp family
21977
16322
22787
12208
12208
13429
21977
8704
20174
16322
14018
Self only
51861
39021
53701
27163
27162
29879
51861
18033
47770
39021
31268
Self amp family
65883
60115
66709
49809
49809
54790
65883
35514
64044
60115
57192
Self only
149613
136516
151489
110827
110823
121906
149613
73576
145440
136516
127574
Self amp family
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
80
Premium Benefit CY Ded Cat Limit Office Inpatient Outpatient Preventive Prescription Contribution Type SelfFamily SelfFamily Visit Hospital Surgery Services Drugs to HSAHRA Levels I II III Plan Name
South Dakota
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Tennessee
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Texas Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst OutshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst OutshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst OutshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Utah Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Altius Health Plans $5208$10415 $1250$2500 $5000$10000 $20 10 10 Nothing $7$25$50
Vermont
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60
Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Virginia Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
CareFirst BlueChoice InshyNetwork $3750$7500 $1500$3000 $4000$8000 Nothing $300 Nothing Nothing Nothing$30$60 CareFirst BlueChoice OutshyNetWork $3750$7500 $3000$6000 $6000$12000 $70 $500 $70 Nothing Nothing$30$60
81
High Deductible and ConsumershyDriven Health Plans See pages 64shy65 for an explanation of the columns on these pages
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Washington Aetna HealthFund shyCDHPshy Most of Washington
KPS Health Plans shyHDHPshy All of Washington
West Virginia Aetna HealthFund shyCDHPshy Most of West Virginia
Wisconsin Aetna HealthFund shyCDHPshy All of Wisconsin
Wyoming
Aetna HealthFund shyCDHPshy All of Wyoming
Altius Health Plans shyHDHPshy Uinta County
Plan Name
877shy459shy6604
800shy552shy7114
877shy459shy6604
877shy459shy6604
877shy459shy6604
800shy377shy4161
Telephone Number
Enrollment Code
G51
L14
F51
JS1
H41
9K4
Self only
G52
L15
F52
JS2
H42
9K5
Self amp family
21977
10262
16322
22787
16237
8704
Self only
51861
22425
39021
53701
38826
18033
Self amp family
65883
41871
60115
66709
60028
35514
Self only
149613
91494
136516
151489
136317
73576
Self amp family
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
82
Washington Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
KPS Health Plans InshyNetwork $6250$125 $1300$2600 $4000$8000 20 None 20 Nothing KPS Health Plans OutshyNetWork $6250$125 $1300$2600 $4000$8000 40 None 40 Not Covered Not Covered
West Virginia Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Wisconsin Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Wyoming
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Altius Health Plans $5208$10415 $1250$2500 $5000$10000 $20 10 10 Nothing $7$25$50
Plan Name
Premium Contribution to HSAHRA
CY Ded SelfFamily
Cat Limit SelfFamily
Office Visit
Inpatient Hospital
Outpatient Surgery
Preventive Services
Prescription Drugs
Levels I II III
Benefit Type
$10$35$50 30day $100 90day
83
______________________________________________________________________________________________________________
Medicaid and the Childrenrsquos Health Insurance Program (CHIP) Offer Free or LowshyCost Health Coverage to Children and Families
If you or your children are eligible for Medicaid or CHIP and you are eligible for health coverage from your employer your State may have a premium assistance program that can help pay for coverage These States use funds from their Medicaid or CHIP programs to help people who are eligible for these programs but also have access to health insurance through their employer If you or your children are not eligible for Medicaid or CHIP you will not be eligible for these premium assistance programs
If you or your dependents are already enrolled in Medicaid or CHIP and you live in a State listed below you can contact your State Medicaid or CHIP office to find out if premium assistance is available
If you or your dependents are NOT currently enrolled in Medicaid or CHIP and you think you or any of your dependents might be eligible for either of these programs you can contact your State Medicaid or CHIP office or dial 1shy877shyKIDS NOW or wwwinsurekidsnowgov to find out how to apply If you qualify you can ask the State if it has a program that might help you pay the premiums for an employershysponsored plan
Once it is determined that you or your dependents are eligible for premium assistance under Medicaid or CHIP as well as eligible under your employer plan your employer must permit you to enroll in your employer plan if you are not already enrolled This is called a ldquospecial enrollmentrdquo opportunity and you must request coverage within 60 days of being determined eligible for premium assistance If you have questions about enrolling in your employer plan you can contact the Department of Labor electronically at wwwaskebsadolgov or by calling tollshyfree 1shy866shy444shyEBSA (3272)
If you live in one of the following States you may be eligible for assistance paying your employer health plan premiums The following list of States is current as of January 31 2013 You should contact your State for further information on eligibility ndash
ALABAMA ndash Medicaid KANSAS ndash Medicaid Website httpwwwmedicaidalabamagov Phone 1shy855shy692shy5447
Website httpwwwkdheksgovhcf Phone 1shy800shy792shy4884
ALASKA ndash Medicaid KENTUCKY ndash Medicaid Website httphealthhssstateakusdpaprogramsmedicaid Phone (Outside of Anchorage) 1shy888shy318shy8890 Phone (Anchorage) 907shy269shy6529
Website httpchfskygovdmsdefaulthtm Phone 1shy800shy635shy2570
ARIZONA ndash CHIP LOUISIANA ndash Medicaid Website httpwwwazahcccsgovapplicants Phone (Outside of Maricopa County) 1shy877shy764shy5437 Phone (Maricopa County) 602shy417shy5437
Website httpwwwlahippdhhlouisianagov Phone 1shy888shy695shy2447
COLORADO ndash Medicaid MAINE ndash Medicaid Medicaid Website httpwwwcoloradogov Medicaid Phone (In state) 1shy800shy866shy3513 Medicaid Phone (Out of state) 1shy800shy221shy3943
Website httpwwwmainegovdhhsofipublicshyassistanceindexhtml Phone 1shy800shy977shy6740 TTY 1shy800shy977shy6741
FLORIDA ndash Medicaid MASSACHUSETTS ndash Medicaid and CHIP Website httpswwwflmedicaidtplrecoverycom Phone 1shy877shy357shy3268
Website httpwwwmassgovMassHealth Phone 1shy800shy462shy1120
GEORGIA ndash Medicaid MINNESOTA ndash Medicaid Website httpdchgeorgiagov Click on Programs then Medicaid then Health Insurance Premium Payent (HIPP) Phone 1shy800shy869shy1150
Website httpwwwdhsstatemnus Click on Health Care then Medical Assistance Phone 1shy800shy657shy3629
IDAHO ndash Medicaid and CHIP MISSOURI ndash Medicaid Medicaid Website wwwaccesstohealthinsuranceidahogov Medicaid Phone 1shy800shy926shy2588 CHIP Website wwwmedicaididahogov CHIP Phone 1shy800shy926shy2588
Website httpwwwdssmogovmhdparticipantspageshipphtm Phone 573shy751shy2005
INDIANA ndash Medicaid MONTANA ndash Medicaid Website httpwwwingovfssa Phone 1shy800shy889shy9949
Website httpmedicaidproviderhhsmtgovclientpages clientindexshtml Phone 1shy800shy694shy3084
IOWA ndash Medicaid NEBRASKA ndash Medicaid Website wwwdhsstateiaushipp Phone 1shy888shy346shy9562
Website wwwACCESSNebraskanegov Phone 1shy877shy383shy4278
84
Medicaid and the Childrenrsquos Health Insurance Program (CHIP) Offer Free or LowshyCost Health Coverage to Children and Families
NEVADA ndash Medicaid SOUTH CAROLINA ndash Medicaid Medicaid Website httpdwssnvgov Medicaid Phone 1shy800shy992shy0900
Website httpwwwscdhhsgov Phone 1shy888shy549shy0820
NEW HAMPSHIRE ndash Medicaid SOUTH DAKOTA ndash Medicaid Website httpwwwdhhsnhgovoiidocumentshippapppdf Phone 603shy271shy5218
Website httpdsssdgov Phone 1shy888shy828shy0059
NEW JERSEY ndash Medicaid and CHIP TEXAS ndash Medicaid Medicaid Website httpwwwstatenjushumanservices dmahsclientsmedicaid Medicaid Phone 609shy631shy2392 CHIP Website httpwwwnjfamilycareorgindexhtml CHIP Phone 1shy800shy701shy0710
Website httpswwwgethipptexascom Phone 1shy800shy440shy0493
NEW YORK ndash Medicaid UTAH ndash Medicaid and CHIP Website httpwwwnyhealthgovhealth_caremedicaid Phone 1shy800shy541shy2831
Website httphealthutahgovupp Phone 1shy866shy435shy7414
NORTH CAROLINA ndash Medicaid VERMONTndash Medicaid Website httpwwwncdhhsgovdma Phone 919shy855shy4100
Website httpwwwgreenmountaincareorg Phone 1shy800shy250shy8427
NORTH DAKOTA ndash Medicaid VIRGINIA ndash Medicaid and CHIP Website httpwwwndgovdhsservicesmedicalservmedicaid Phone 1shy800shy755shy2604
Medicaid Website httpwwwdmasvirginiagovrcpshyHIPPhtm Medicaid Phone 1shy800shy432shy5924 CHIP Website httpwwwfamisorg CHIP Phone 1shy866shy873shy2647
OKLAHOMA ndash Medicaid and CHIP WASHINGTON ndash Medicaid Website httpwwwinsureoklahomaorg Phone 1shy888shy365shy3742
Website httphrsadshswagovpremiumpymtApplyshtm Phone 1shy800shy562shy3022 ext 15473
OREGON ndash Medicaid and CHIP WEST VIRGINIA ndash Medicaid Website httpwwworegonhealthykidsgov httpwwwhijossaludablesoregongov Phone 1shy877shy314shy5678
Website wwwdhhrwvgovbms Phone 1shy877shy598shy5820 HMS Third Party Liability
PENNSYLVANIA ndash Medicaid WISCONSIN ndash Medicaid Website httpwwwdpwstatepaushipp Phone 1shy800shy692shy7462
Website httpwwwbadgercareplusorgpubspshy10095htm Phone 1shy800shy362shy3002
RHODE ISLAND ndash Medicaid WYOMING ndash Medicaid Website wwwohhsrigov Phone 401shy462shy5300
Website httphealthwyogovhealthcarefinequalitycare Phone 307shy777shy7531
To see if any more States have added a premium assistance program since January 31 2013 or for more information on special enrollment rights you can contact either
US Department of Labor Employee Benefits Security Administration wwwdolgovebsa 1shy866shy444shyEBSA (3272)
US Department of Health and Human Services Centers for Medicare amp Medicaid Services wwwcmshhsgov 1shy877shy267shy2323 Ext 61565
OMB Control Number 1210shy0137 (expires 09302013)
85
Temporary Continuation of Coverage (TCC)
How much does it cost Under TCC you pay the total monthly premium (enrolleersquos share plus the tribal employerrsquos share) plus a 2 percent administrative charge The charts in Appendix E provide cost information for all plans in the FEHB Program
When can I enroll
Individuals eligible for TCC generally must enroll within 60 days after the qualifying event permitting enrollment or after receiving notice of eligibility from the tribal employer whichever is later The opportunity to elect TCC ends 60 days after the qualifying event if (1) you do not notify your tribal employer within 60 days of your childrsquos loss of coverage or (2) you or your former (divorced) spouse do not notify your tribal employer within 60 days of your divorce
How do I enroll
You must enroll by completing the Health Benefits Election Form (SF 2809) This form is available on our website at wwwopmgovformspdf_fillsf2809pdf You can find information and guidance on the SF 2809 at wwwopmgovhealthcareshyinsuranceindianshytribesreferenceshymaterialsenrollmentshyformshy2809shyemployeeshyguidancepdf
If you are a former tribal employee contact your tribal employer If you are a child contact the tribal employer of your parent who is the FEHB enrollee If you are a former (divorced) spouse contact the tribal employer of your former spouse
When can I change my TCC enrollment Former tribal employees children andor former (divorced) spouses with an existing TCC enrollment may change their enrollment during the annual Open Season or based upon a qualifying life event (QLE) A QLE is a term defined by OPM to describe events that may allow you to change your FEHB enrollment
A complete listing of QLEs can be found in Table 4 of the Tables of Permissible Changes of the SF 2809 at wwwopmgovformspdf_fillsf2809pdf
Be aware this information only applies to individuals with an existing TCC enrollment and that time limits apply for requesting changes
6
Temporary Continuation of Coverage (TCC)
When does my TCC coverage end
If you are a former tribal employee TCC ends on the date that is 18 months after the date of your separation from tribal employment
If you are a child TCC ends on the date that is 36 months from the date you cease being an eligible family member for FEHB purposes
If you are a former (divorced) spouse TCC ends on the date that is 36 months from the date you cease being an eligible family member for FEHB purposes
Note As a TCC enrollee you may voluntarily cancel your TCC enrollment at any time However once your cancellation takes effect you cannot reenroll in the FEHB Program You will not be entitled to a 31shyday extension of coverage for conversion to a nonshygroup (private) policy Family members who lose coverage upon your cancellation may enroll only if they are eligible for FEHB in their own right as tribal employees
If your TCC enrollment terminates because you acquire other FEHB coverage and that coverage ends before your original TCC eligibility period ends you may reenroll for the time remaining until your original TCC ending date
How do I get more information about TCC
Visit FEHB online at wwwopmgovhealthcareshyinsuranceindianshytribeshealthshyinsurance for more information about Temporary Continuation of Coverage
7
FEHB Program Health Information Technology and PriceCost Transparency
Did You Knowhellip Health Information Technology can improve your health
What is Health Information Technology Health Information Technology (HIT) allows doctors and hospitals to manage medical information and to securely exchange information among patients and providers In a variety of ways HIT has a demonstrated benefit in improving health care quality preventing medical errors reducing costs and decreasing paperwork
What are examples of HIT at work
bull You can go online to review your medical pharmacy and laboratory claims information
bull If you complete a Health Risk Assessment (HRA) your health plan can identify you as a candidate for case management or disease management and offer suggestions on healthy lifestyle strategies and how to reduce or eliminate health risks Health plans can provide you with tips and educational material about good health habits information about routine care that is age and gender appropriate
bull Physicians can have the very best clinical guidelines at their fingertips for managing and treating diseases
bull While with a patient a physician can enter a prescription on a computer where potential allergies and adverse reactions are shown immediately
bull Computer alerts are sent to physicians to remind them of a patientrsquos preventive care needs and to track referrals and test results
One feature of HIT is the Personal Health Record (PHR) The electronic version of your medical records allows you to maintain and manage health information for yourself and your family in a private and secure electronic environment Some health plans include your medical claims data in your PHR which gives a more complete picture of your health status and history
You can also find a PHR on OPMrsquos website at wwwopmgovhealthcareshyinsurancespecialshyinitiativesmanagingshymyshyownshyhealth This PHR is a fillable and downloadable form that you complete yourself and save on your home computer We encourage you to take a look at this PHR option and if you determine it will fulfill your recordshykeeping needs take advantage of this opportunity
Pricecost transparency is another element of health information technology For example many health plans allow you to use online tools that will show what the plan will pay on average for a specific procedure or for a specific prescription drug You can also review healthcare quality indicators for physician and hospital services
The health plans listed on our HIT website at wwwopmgovhealthcareshyinsurancehealthcarereferenceshymaterialsurl=HIT have taken steps to help you become a better consumer of health care and have met OPMrsquos HIT quality and pricecost transparency standards
No one is more responsible for your health care than you ndash HIT tools can help
8
Appendix A FEHB Program Features
No waiting periods You can use your benefits as soon as your coverage becomes effective There are no preshyexisting condition limitations
A choice of coverage You can choose Self Only coverage just for you or Self and Family coverage for you your spouse and children under age 26 Under certain circumstances your FEHB enrollment may cover your disabled child 26 years old or older who is incapable of selfshysupport
A choice of plans and options The FEHB Program offers FeeshyforshyService plans plans offering a PointshyofshyService product Health Maintenance Organizations High Deductible Health Plans and ConsumershyDriven Health Plans
Employing office contributions Your tribal employer pays at a minimum 72 percent of the average premium of all plans toward the total cost of your premium Please check with your tribal employer for exact rates
Salary deductions You pay your share of the premium through a payroll deduction If your tribal employer participates in premium conversion you may choose to pay your share of the FEHB premium with preshytax dollars
Enrollment opportunities Each year you can enroll or change your health plan enrollment during the annual Open Season Open Season runs from the Monday of the second full work week in November to the Monday of the second full work week in December This year Open Season will run from November 11 through December 9 2013 Also certain qualifying life events (QLEs) allow for certain types of changes throughout the year see your tribal employer for details
Continued group coverage The FEHB Program offers continued FEHB coverage bull For you or your family when you move transfer or go on leave without pay or enter military service (certain rules about coverage and premium amounts apply see your tribal employer)
Coverage after FEHB ends The FEHB Program offers temporary continuation of coverage (TCC) and conversion to nonshygroup (private) coverage bull For you and your family if you leave your job or retire bull For your covered child if he or she turns age 26 or bull For your former spouse when you divorce
Coverage for family members if you die Your surviving family members may be eligible to continue coverage as described below bull If you have a Self and Family FEHB enrollment with only a spouse your spouse is eligible for conversion to nonshygroup (private) coverage bull If you have a Self and Family FEHB enrollment with a child or children the child(ren) are eligible for Temporary Continuation of Coverage (TCC) and may cover your spouse Eligible family members may convert to nonshygroup (private) coverage when TCC expires at the end of 36 months
If you lose coverage under the FEHB Program you should automatically receive a Certificate of Group Health Plan Coverage from the last FEHB plan to cover you If not the plan must give you one on request This certificate may be important to qualify for benefits if you join a nonshyFEHB plan
9
Appendix B Choosing an FEHB Plan
What type of health plan is best for you You have some basic questions to answer about how you pay for and access medical care Here are the different types of plans from which to choose
Types of Plans Choice of doctors hospitals pharmacies and other providers
Specialty care Outshyofshypocket costs Paperwork
FeeshyforshyService wPPO (Preferred Provider Organization)
You must use the planrsquos network to reduce your outshyofshypocket costs For BCBS Basic Option you must use Preferred providers for your care to be eligible for benefits
Referral not required to get benefits
You pay fewer costs if you use a PPO provider than if you donrsquot
Some if you donrsquot use network providers
Health Maintenance You generally must Referral generally Your outshyofshypocket Little if any Organization use the planrsquos network
to reduce your outshyofshypocket costs
required from primary care doctor to get benefits
costs are generally limited to copayments
PointshyofshyService You must use the planrsquos network to reduce your outshyofshypocket costs You may go outside the network but you will pay more
Referral generally required to get maximum benefits
You pay less if you use a network provider than if you donrsquot
Little if you use the network You have to file your own claims if you donrsquot use the network
ConsumershyDriven You may use network Referral not required You will pay an Some if you donrsquot use Health Plans and nonshynetwork
providers You will pay more by not using the network
to get maximum benefits from PPOs
annual deductible and costshysharing You pay less if you use the network
network providers You file a claim to obtain reimbursement from your HRA
High Deductible Health Plans wHealth Savings Account (HSA) or Health Reimbursement Arrangement (HRA)
Some plans are network only others pay something even if you do not use a network provider
Referral not required to get maximum benefits from PPOs
You will pay an annual deductible and costshysharing You pay less if you use the network
Some if you donrsquot use network providers If you have an HSA or HRA account you may have to file a claim to obtain reimbursement
10
Appendix B Choosing an FEHB Plan
What should you consider when choosing a plan Having a variety of plans to choose from is a good thing but it can make the process confusing We have a tool on our website that will help you narrow your plan choice based on the benefits that are important to you go to wwwopmgovhealthcareshyinsuranceindianshytribeshealthshyinsurance You can also find help in selecting a plan using tools provided by PlanSmartChoice at wwwplansmartchoicecomregistrationaspx
Ask yourself these questions
1 How much does the plan cost This includes the premium you pay
2 What benefits does the plan cover Make sure the plan covers the services or supplies that are important to you and know its limitations and exclusions
3 What are my outshyofshypocket costs Does the plan charge a deductible (the amount you must first pay before the plan begins to pay benefits) What is the copayment or coinsurance (the amount you share in the cost of the service or supply)
4 Who are the doctors hospitals and other care providers I can use Your costs are lower when you use providers who are part of the plan these are ldquoinshynetworkrdquo providers
5 How well does my plan provide quality care Quality care varies from plan to plan and here are three sources for reviewing quality
bull Member survey results ndash evaluations by current plan members are posted within the health plan benefit charts in this Guide
bull Effectiveness of care ndash how a plan performs in preventing or treating common conditions is measured by the Healthcare Effectiveness Data and Information Set and is found at wwwopmgovhealthcareshyinsurancehealthcareplanshyinformationqualityshyhealthcareshyscores
bull Accreditation ndash evaluations of health plans by independent accrediting organizations Check the cover of your health planrsquos brochure for its accreditation level or go to httpreportcardncqaorgplanexternalplansearchaspx
1111
Appendix B Choosing an FEHB Plan
Definitions
Brand name drug shy A prescription drug that is protected by a patent supplied by a single company and marketed under the manufacturerrsquos brand name
Coinsurance shy The amount you pay as your share for the medical services you receive such as a doctorrsquos visit Coinsurance is a percentage of the planrsquos allowance for the service (you pay 20 for example)
Copayment shy The amount you pay as your share for the medical services you receive such as a doctorrsquos visit A copayment is a fixed dollar amount (you pay $15 for example)
Deductible shy The dollar amount of covered expenses an individual or family must pay before the plan begins to pay benefits There may be separate deductibles for different types of services For example a plan can have a prescription drug benefit deductible separate from its calendar year deductible
Formulary or Prescription Drug List shy A list of both generic and brand name drugs often made up of different costshysharing levels or tiers that are preferred by your health plan Health plans choose drugs that are medically safe and cost effective A team including pharmacists and physicians determines the drugs to include in the formulary
Generic Drug shy A generic medication is an equivalent of a brand name drug A generic drug provides the same effectiveness and safety as a brand name drug and usually costs less A generic drug may have a different color or shape than the brand name but it must have the same active ingredients strength and dosage form (pill liquid or injection)
InshyNetwork shy You receive treatment from the doctors clinics health centers hospitals medical practices and other providers with whom your plan has an agreement to care for its members
OutshyofshyNetwork shy You receive treatment from doctors hospitals and medical practitioners other than those with whom the plan has an agreement at additional cost Members who receive services outside the network may pay all charges
Premium Conversion shy Premium conversion allows tribal employees who are eligible for FEHB the opportunity to pay their share of FEHB premiums with preshytax dollars In order for tribal employees to participate in premium conversion their tribal employer must have a premium conversion plan Premium conversion plans are governed by the Internal Revenue Code and IRS rules govern when participants may change their enrollment or cancel outside of the annual Open Season
Provider shy A doctor hospital health care practitioner pharmacy or health care facility
Qualifying Life Events shy An event that may allow enrollees in the FEHB Program to change their health benefits enrollment outside of an Open Season These events also apply to tribal employees under premium conversion and include events such as change in family status or change in employment status
Additional definitions are located at the beginning of the sections introducing the different types of health plans
12
Appendix C Qualifying Life Events
Note This information does not apply to individuals who have a Temporary Continuation of Coverage (TCC) FEHB enrollment Please see the TCC section of this Guide if you are a current TCC enrollee
Qualifying Life Events
A qualifying life event (QLE) is a term defined by OPM to describe events that may allow a tribal employee to enroll in the FEHB Program make changes to hisher FEHB enrollment or make changes to hisher premium conversion participation if applicable
Outside of Open Season you can make changes to your FEHB enrollment if you experience certain QLEs The most common QLEs for changing FEHB enrollment type or plan are marriage acquiring a child moving away from the service area of your Health Maintenance Organization (HMO) losing health insurance coverage or changing employment status Your eligibility to make certain changes to your FEHB enrollment will depend upon whether or not you participate in premium conversion
Tribal Employees who Participate in Premium Conversion
Premium conversion allows tribal employees who are eligible for FEHB the opportunity to pay their share of FEHB premiums with preshytax dollars Your tribal employer may choose whether or not to have a premium conversion plan If your tribal employer has a premium conversion plan you may choose to participate or not participate If your tribal employer does not have a premium conversion plan you may not participate
Premium conversion plans are governed by the Internal Revenue Code and IRS rules govern when you may change your FEHB enrollment or premium conversion status outside of the annual Open Season If you experience a QLE you may change your FEHB enrollment (including a change to Self Only or cancellation) provided the action is consistent with the QLE
If you participate in premium conversion please refer to QLE Table 1 of the Standard Form (SF) 2809 at wwwopmgovformspdf_fillsf2809pdf for detailed information If you need assistance in accessing the SF 2809 or have additional questions please contact your tribal employer
Tribal Employees who do not Participate in Premium Conversion
If your tribal employer does not have a premium conversion plan or if they have a plan and you choose not to participate you are not subject to IRS rules for when you can make certain changes to your FEHB enrollment However you are subject to OPM rules for employees who do not participate in premium conversion
An important difference is that a tribal employee who does not participate in premium conversion may cancel hisher FEHB enrollment or change from a Self and Family to a Self Only enrollment at any time
If you do not participate in premium conversion please refer to QLE Table 5 of the SF 2809 at wwwopmgovformspdf_fillsf2809pdf for detailed information If you need assistance in accessing the SF 2809 or have additional questions please contact your tribal employer
13
Appendix D FEHB Member Survey Results
Each year FEHB plans with 500 or more subscribers mail the Consumers Assessment of Healthcare Providers and Systems (CAHPS)1 to a random sample of plan members For Health Maintenance Organizations (HMO)PointshyofshyService (POS) and High Deductible Health Plans (HDHP) and ConsumershyDriven Health Plans (CDHP) the sample includes all commercial plan members including nonshyFederal members For FeeshyforshyService (FFS)Preferred Provider Organization (PPO) plans the sample includes Federal members only The CAHPS survey asks questions to evaluate membersrsquo satisfaction with their health plans Independent vendors certified by the National Committee for Quality Assurance administer the surveys
OPM reports each planrsquos scores on the various survey measures by showing the percentage of satisfied members on a scale of 0 to 100 Also we list the national average for each measure Since we offer HMO plans FFSPPO plans HDHP and CDHP plans we compute a separate national average for each plan type
Survey findings and member ratings are provided for the following key measures of member satisfaction
bull Overall Plan Satisfaction ndash This measure is based on the question ldquoUsing any number from 0 to 10 where 0 is the worst health plan possible and 10 is the best health plan possible what number would you use to rate your health planrdquo We report the percentage of respondents who rated their plan 8 or higher
bull Getting Needed Care ndash How often was it easy to get an appointment the care tests or treatment you thought you needed through your health plan
bull Getting Care Quickly ndash When you needed care right away how often did you get care as soon as you thought you needed Not counting the times you needed care right away how often did you get an appointment at a doctors office or clinic as soon as you wanted
bull How Well Doctors Communicate ndash How often did your personal doctor explain things in a way that was easy to understand How often did your personal doctor listen carefully to you show respect for what you had to say and spend enough time with you
bull Customer Service ndash How often did your health planrsquos customer service department give you the information or help you needed How often did your health planrsquos customer service staff treat you with courtesy and respect How often were the forms from your health plan easy to fill out
bull Claims processing ndash How often did your health plan handle your claims quickly and correctly
bull Plan Information on Costs ndash How often were you able to find out from your health plan how much you would have to pay for a health care service or equipment or for specific prescription drug medicines
In evaluating plan scores you can compare individual plan scores against other plans and against the national averages Generally new plans and those with fewer than 500 FEHB subscribers do not conduct CAHPS Therefore some of the plans listed in the Guide will not have survey data 1 CAHPS is a registered trademark of the Agency for Healthcare Research and Quality (AHRQ)
14
Appendix E FEHB Plan Comparison Charts
Nationwide FeeshyforshyService Plans (Pages 16 through 19)
FeeshyforshyService (FFS) plans with a Preferred Provider Organization (PPO) ndash A FeeshyforshyService plan provides flexibility in using medical providers of your choice You may choose medical providers who have contracted with the health plan to offer discounted charges You may also choose medical providers who do not contract with the plan but you will pay more of the cost
Medical providers who have contracts with the health plan (Preferred Provider Organization or PPO) have agreed to accept the health planrsquos reimbursement You usually pay a copayment or a coinsurance amount and do not file claims or other paperwork Going to a PPO hospital does not guarantee PPO benefits for all services received in the hospital however Lab work radiology and other services from independent practishytioners within the hospital are frequently not covered by the hospitalrsquos PPO agreement If you receive treatshyment from medical providers who are not contracted with the health plan you either pay them directly and submit a claim for reimbursement to the health plan or the health plan pays the provider directly according to plan coverage and you pay a deductible coinsurance or the balance of the billed charge In any case you pay a greater amount in outshyofshypocket costs
PPOshyonly ndash A PPOshyonly plan provides medical services only through medical providers that have contracts with the plan With few exceptions there is no medical coverage if you or your family members receive care from providers not contracted with the plan
FeeshyforshyService plans open only to specific groups ndash Several FeeshyforshyService plans that are sponshysored or underwritten by an employee organization strictly limit enrollment to persons who are members of that organization If you are not certain if you are eligible check with your human resources office first
The Health Maintenance Organization (HMO) and PointshyofshyService (POS) section begins on page 21
The High Deductible Health Plan (HDHP) and ConsumershyDriven Health Plan (CDHP) section begins on page 60
Please note that the premium rates provided are the maximum amount you will be expected to pay for your premium Your tribal employer may choose to pay a higher portion of your premium Please check with your tribal employer for exact rates
The tables on the following pages highlight selected features that may help you narrow your choice of health plans The tables do not show all of your possible outshyofshypocket costs All benefits are subject to the definitions limitations and exclusions set forth in each planrsquos Federal brochure which is the official statement of benefits available under the planrsquos contract with the Office of Personnel Management Always consult plan brochures before making your final decision
15
Nationwide FeeshyforshyService Plans
How to read this chart
The table below highlights selected features that may help you narrow your choice of health plans Always consult plan brochures before making your final decision The chart does not show all of your possible outshyofshypocket costs
The Deductibles shown are the amount of covered expenses that you pay before your health plan begins to pay
Calendar Year deductibles for families are two or more times the per person amount shown
In some plans your combined Prescription Drug purchases from Mail Order and local pharmacies count toward the deductible In other plans only purchases from local pharmacies count Some plans require each family member to meet a per person deductible
The Hospital Inpatient deductible is what you pay each time you are admitted to a hospital
Doctors shows what you pay for inpatient surgical services and for office visits
Your share of Hospital Inpatient Room and Board covered charges is shown
Your Maximum Monthly Premium is the maximum amount you will pay for your premium Your tribal employer may choose to pay a higher portion of your premium Check with your tribal employer for exact rates
Temporary Continuation of Coverage (TCC) allows former tribal employees and formerly eligible family members to continue their FEHB coverage for a limited period Under TCC you pay the total monthly premium (enrolleersquos share plus the tribal employerrsquos share) plus a 2 administrative charge which equals 102 of Total Monthly Premium
Plan Name Open to All Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your
Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
APWU Health Plan (APWU) shyhigh
Blue Cross and Blue Shield Service Benefit Plan (BCBS) shystd
Blue Cross and Blue Shield Service Benefit Plan (BCBS) shybasic
GEHA Benefit Plan (GEHA) shyhigh
GEHA Benefit Plan (GEHA) shystd
MHBP shystd
MHBP shyValue Plan
NALC shyhigh
NALC Value Option
SAMBA shyhigh
SAMBA shystd
800shy222shy2798
Local phone
Local phone
800shy821shy6136
800shy821shy6136
800shy410shy7778
800shy410shy7778
888shy636shy6252
888shy636shy6252
800shy638shy6589
800shy638shy6589
471
104
111
311
314
454
414
321
KM1
441
444
472
105
112
312
315
455
415
322
KM2
442
445
13670
19028
13209
20317
10418
20913
11302
16122
9001
27523
13171
30910
44412
30930
48310
23691
50565
26946
32727
19546
70356
30081
55776
62875
53893
64190
42505
64798
46114
59911
36724
71540
53739
126114
142015
126195
145991
96659
148291
109939
130096
79748
168477
122733
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
16
Prescription Drugs ndash Prescription Drug Payment Levels shy Plans use terms such as Level (L I L II) or Tier (T1 T2) to show what you pay for generic or brand name prescription drugs The payment levels that plans use follow L I or Tier 1 includes generic drugs but may include some preferred brands L II or Tier 2 includes preferred brands and may include some generics L III or Tier 3 includes nonshypreferred brands other covered drugs and with some exceptions specialty drugs L IV or Tier 4 includes mostly preferred specialty drugs L V or Tier 5 generally includes nonshypreferred specialty drugs
Mail Order Discounts ndash If your plan has a Mail Order program (typically for maintenance drugs) and its response is ldquoYesrdquo in general its Mail Order program is superior to its retail pharmacy benefit (eg you obtain a greater quantity for less cost than retail pharmacy purchases) If your plan does not have a Mail Order program or it does not offer a superior benefit to retail pharshymacy purchases the response will be ldquoNordquo
The prescription drug copayments or coinsurances described in this chart do not represent the complete range of costshysharing under these plans Many plans have variations in their prescription drug benefits (eg you pay the greater of a dollar amount or a percentage or you pay one amount for your first prescription and then a different amount for refills) You must read the plan brochure for a complete description of prescription drug and all other benefits
MedicalshySurgical ndash You Pay
Copay ($)Coinsurance ()
Plan
APWU shyhigh
BCBS shystd
BCBS shybasic
GEHA shyhigh
GEHA shystd
MHBP shystd
MHBP shyvalue
NALC shyhigh
NALC shyValue
SAMBA shyhigh
SAMBA shystd
Benefit Type
Per Person
Calendar Year
Prescription Drug
Hospital Inpatient
Do
Office Visits
ctors
Inpatient Surgical Services
Hospital Inpatient
RampB Level I
Prescription Drugs
Level II Level III
PPO $275 None None $18 10 10 $8 2525 Yes NonshyPPO $500 None $300 30+diff 30+diff 30 50 5050 Yes
PPO $350 None $250 $20 15 Nothing 2015 Medicare B T2 30$80 T3 45$105 Yes NonshyPPO $350 None $350 + 35+ 35+ 35+ Nothing 45+ T1shyT5 T4 30$35$95 T5 30$55$155 Yes
PPO None None $175day $875 Max $25 $200 Nothing $1030day $3090day T2 $45 T3 50($55Min) T4 $50to$140 T5 $70to$195
NA
PPO $350 None $100 $20 10 Nothing $10 25 Max $150NA Yes NonshyPPO $350 None $300 25 25 Nothing $10 25 Max $150 +NA Yes
PPO $350 None None $10 15 15 $10 50 Max $200NA Yes NonshyPPO $350 None None 35 35 35 $10 50 Max $200 +NA Yes
PPO $400 None $200 $20 10 Nothing $5 30($200 max)50($200 max) Yes NonshyPPO $600 None $500 30 30 30 50 5050 Yes
PPO $600 None None $30 20 20 $10 4575 Yes NonshyPPO $900 Not Covered None 40 40 40 Not Covered Not Covered Yes
PPO $300 None $200 $20 15 Nothing 20 3045 Yes NonshyPPO $300 None $350 30 30 30 45+ 45+45+ Yes
NonshyPPO $4000 None 50 50 50 50 50 5050+ No PPO $2000 None 20 20 20 20 $10 $40$60 No
PPO $300 None $200 $20 10 Nothing $8 20($55 max)35($100 max) Yes NonshyPPO $300 None $300 30 30 30 $8 20($55 max)35($100 max) Yes
PPO $350 None $150 up to $450 $20 15 Nothing $8 30($70 max)40($110 max) Yes NonshyPPO $350 None $200 up to $600 35 35 35 $8 30($70 max)40($110 max) Yes
Deductible
Mail Order Discounts
17
Nationwide FeeshyforshyService Plans
Member Survey results are collected scored and reported by an independent organization ndash not by the health plans See Appendix D for a fuller explanation of each survey category
Overall Plan Satisfaction bull How would you rate your overall experience with your health plan
Getting Needed Care bull How often was it easy to get an appointment the care tests or treatment you thought you needed through your health plan
Getting Care Quickly bull When you needed care right away how often did you get care as soon as you thought you needed bull Not counting the times you needed care right away how often did you get an appointment at a doctorrsquos office or clinic as soon as you thought you needed
How Well Doctors bull How often did your personal doctor explain things in a way that was easy to understand Communicate bull How often did your personal doctor listen carefully to you show respect for what you had to say and spend enough time with you
Customer Service bull How often did written materials or the Internet provide the information you needed about how your health plan works bull How often did your health planrsquos customer service give you the information or help you needed bull How often were the forms from your health plan easy to fill out
Claims Processing bull How often did your health plan handle your claims quickly and correctly
Plan Information on Costs bull How often were you able to find out from your health plan how much you would have to pay for a health care service or equipment or for specific prescription drug medicines
APWU Health Plan shyhigh
Blue Cross and Blue Shield Service Benefit Plan shystd
Blue Cross and Blue Shield Service Benefit Plan shybasic
GEHA Benefit Plan shyhigh
GEHA Benefit Plan shystd
MHBP shystd
MHBP shyValue Plan
NALC shyhigh
NALC shyValue Option
SAMBA shyhigh
SAMBA shystd
Plan Name Open to All
FFS National A
Member Survey Results
47 47
10 10
11
31 31
31 31
45 45
41 41
32 32
KM KM
44 44
44 44
Plan Code
verage 805
772
835
757
838
725
84
63
856
897
816
Overall plan satisfaction
927
927
946
896
934
907
938
908
936
947
93
Getting needed care
917
935
917
891
922
895
916
857
922
943
905
Getting care quickly
951
951
955
95
961
949
935
929
959
96
956
How well doctors
communicate
911
89
926
921
912
875
906
866
934
946
911
Customer service
934
921
956
936
929
926
954
887
965
953
946
Claims processing
716
682
703
643
699
688
696
636
771
789
757
Plan Information on Costs
18
FeeshyforshyService Plans ndash Blue Cross and Blue Shield Service Benefit Plan ndash Member Survey Results for Select States
Again this year we are providing more detailed information regarding the quality of services provided by our health plans We are including the results of the Member Satisfaction survey at the state level for eight local Blue Cross Blue Shield (BCBS) Plans
Plan Name Location
Member Survey Results
Plan Code
Overall plan satisfaction
Getting needed care
Getting care quickly
How well doctors
communicate Customer service
Claims processing
Plan Inforshymation on Costs
FFS National Average 805 927 917 951 911 934 716
Blue Cross and Blue Shield Service shy Standard Benefit Plan shy Basic
Arizona 10 11
851 747
905 898
919 884
933 923
938 914
969 928
724 680
Blue Cross and Blue Shield Service shy Standard Benefit Plan shy Basic
California 10 11
809 705
915 873
897 840
954 943
881 910
937 912
677 616
Blue Cross and Blue Shield Service shy Standard Benefit Plan shy Basic
District of Columbia 10 11
768 691
935 893
930 874
951 940
882 881
898 922
657 622
Blue Cross and Blue Shield Service shy Standard Benefit Plan shy Basic
Florida 10 11
864 806
942 916
922 894
952 947
934 916
954 937
733 660
Blue Cross and Blue Shield Service shy Standard Benefit Plan shy Basic
Illinois 10 11
861 796
933 912
934 881
955 950
901 936
972 938
712 653
Blue Cross and Blue Shield Service shy Standard Benefit Plan shy Basic
Maryland 10 11
857 770
931 897
917 898
954 940
897 921
956 967
713 666
Blue Cross and Blue Shield Service shy Standard Benefit Plan shy Basic
Texas 10 11
887 825
934 898
931 883
950 955
936 910
957 967
721 617
Blue Cross and Blue Shield Service shy Standard Benefit Plan shy Basic
Virginia 10 11
871 782
924 901
929 894
966 962
914 917
959 960
708 681
19
The tables on the following pages highlight selected features that may help you narrow your choice of health plans The tables do not show all of your possible outshyofshypocket costs All benefits are subject to the definitions limitations and exclusions set forth in each planrsquos Federal brochure which is the official statement of benefits available under the planrsquos contract with the Office of Personnel Management Always consult plan brochures before making your final decision
20
Appendix E FEHB Plan Comparison Charts
Health Maintenance Organization Plans and Plans Offering a PointshyofshyService Product
(Pages 22 through 59)
Health Maintenance Organization (HMO) ndash A Health Maintenance Organization provides care through a network of physicians and hospitals in particular geographic or service areas HMOs coordinate the health care service you receive and free you from completing paperwork or being billed for covered services Your eligibility to enroll in an HMO is determined by where you live or for some plans where you work bull The HMO provides a comprehensive set of services ndash as long as you use the doctors and hospitals affiliated with the HMO
HMOs charge a copayment for primary physician and specialist visits and sometimes a copayment for inshyhospital care bull Most HMOs ask you to choose a doctor or medical group as your primary care physician (PCP) Your PCP provides your
general medical care In many HMOs you must get authorization or a ldquoreferralrdquo from your PCP to see other providers The referral is a recommendation by your physician for you to be evaluated andor treated by a different physician or medical professional The referral ensures that you see the right provider for the care appropriate to your condition
bull Medical care from a provider not in the planrsquos network is not covered unless itrsquos emergency care or your plan has an arrangement with another plan
Plans Offering a PointshyofshyService (POS) Product ndash A PointshyofshyService plan is like having two plans in one ndash an HMO and an FFS plan A POS allows you and your family members to choose between using (1) a network of providers in a designated service area (like an HMO) or (2) OutshyofshyNetwork providers (like an FFS plan) When you use the POS network of providers you usually pay a copayment for services and do not have to file claims or other paperwork If you use nonshyHMO or nonshyPOS providers you pay a deductible coinsurance or the balance of the billed charge In any case your outshyofshypocket costs are higher and you file your own claims for reimbursement
The tables on the following pages highlight what you are expected to pay for selected features under each plan Always consult plan brochures before making your final decision
Primary careSpecialist office visit copay ndash Shows what you pay for each office visit to your primary care doctor and specialist Contact your plan to find out what providers it considers specialists
Hospital per stay deductible ndash Shows the amount you pay when you are admitted into a hospital
Prescription drugs ndash Prescription Drug Payment Levels shy Plans use terms such as Level (L I L II) or Tier (T1 T2) to show what you pay for generic or brand name prescription drugs The payment levels that plans use follow L I or Tier 1 includes generic drugs but may include some preferred brands L II or Tier 2 includes preferred brands and may include some generics L III or Tier 3 includes nonshypreferred brands other covered drugs and with some exceptions specialty drugs L IV or Tier 4 includes mostly preferred specialty drugs L V or Tier 5 generally includes nonshypreferred specialty drugs
Mail Order Discounts ndash If your plan has a Mail Order program (typically for maintenance drugs) and its response is ldquoYesrdquo in general its Mail Order program is superior to its retail pharmacy benefit (eg you obtain a greater quantity for less cost than retail pharmacy purchases) If your plan does not have a Mail Order program or it does not offer a superior benefit to retail pharmacy purchases the response will be ldquoNordquo
Member Survey Results ndash See Appendix D for a description
Temporary Continuation of Coverage (TCC) ndash Allows former tribal employees and formerly eligible family members to continue their FEHB coverage for a limited period Under TCC you pay the total monthly premium (enrolleersquos share plus the tribal employerrsquos share) plus a 2 administrative charge which equals 102 of Your Total Monthly Premium
Your maximum monthly premium is the maximum amount you will be expected to pay for your premium Your tribal employer may choose to pay a higher portion of your premium Please check with your tribal employer for exact rates
21
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Alabama
Aetna Value Planshy Most of Alabama 877shy459shy6604
Alaska
Aetna Value Planshy Most of Alaska 877shy459shy6604
Arizona
Aetna Value Planshy All of Arizona 877shy459shy6604
Aetna Open Access shyHighshy Phoenix and Tucson Areas 877shy459shy6604
Health Net of Arizona Inc shyHighshy MaricopaPimaOther AZ counties 800shy289shy2818
Health Net of Arizona Inc shyStdshy MaricopaPimaOther AZ counties 800shy289shy2818
Humana Health Plan Inc shyHighshy Phoenix 888shy393shy6765
Humana Health Plan Inc shyStdshy Phoenix 888shy393shy6765
Humana Health Plan Inc shyHighshy Tucson 888shy393shy6765
Humana Health Plan Inc shyStdshy Tucson 888shy393shy6765
Arkansas
Aetna Value Planshy Most of Arkansas 877shy459shy6604
QualChoice shyHighshy All of Arkansas 800shy235shy7017
QualChoice shyStdshy All of Arkansas 800shy235shy7017
F54 F55
JS4 JS5
G54 G55
WQ1 WQ2
A71 A72
A74 A75
BF1 BF2
BF4 BF5
C71 C72
C74 C75
F54 F55
DH1 DH2
DH4 DH5
13058 29656
17258 41140
12822 29119
33482 89188
26548 80303
19509 62476
13880 30882
12491 27794
15825 35210
13149 29256
13058 29656
30353 76056
14296 38452
53279 120995
61069 138677
52315 118808
77618 187686
70545 178623
63365 160440
56629 125999
50965 113400
59608 132629
53648 119367
53279 120995
74426 174291
58048 135935
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
22
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay
deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How
well
doctors
communicate
Customer
service
Claims
processing
Plan
Information
on
Costs
Alabama
Aetna Value Plan InshyNetwork $25$40 20 $10
HMOPOS Nationa
30to$60050 to$1200 Yes
l Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Alaska
Aetna Value Plan InshyNetwork
4040
$25$40
40
20
50+
$10
50+50+
30to$60050 to$1200
No
Yes Aetna Value Plan OutshyNetwork
Arizona
Aetna Value Plan InshyNetwork
4040
$25$40
40
20
50+
$10
50+50+
30to$60050 to$1200
No
Yes Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Health Net of Arizona IncshyHigh
Health Net of Arizona IncshyStandard
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
Arkansas
Aetna Value Plan InshyNetwork
4040
$20$35
$20$40
$25$50
$20$35
$25$40
$20$35
$25$40
$25$40
40
$250day x 4
$250dayx5
25
$250day x 3
$500day x 3
$250day x 3
$500day x 3
20
50+
$10
$10
$10
$10
$10
$10
$10
$10
50+50+
$35$100
$3050
$4050
$40$60
$40$60
$40$60
$40$60
30to$60050 to$1200
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
602
676
676
838
888
888
861
843
843
923
939
939
849
884
884
918
921
921
636
686
686
Aetna Value Plan OutshyNetwork
QualChoice InshyNetwork
QualChoice OutshyNetwork
QualChoice InshyNetwork
4040
$20$30
4040
$20$40
40
$100max$500
40
$200max$1000
50+
$0
NA
$5
50+50+
$40$60
NA
$40$60
No
Yes
NA
Yes
23
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
California
Aetna Value Planshy Most of California 877shy459shy6604
Aetna HMO shy Los Angeles and San Diego Areas 877shy459shy6604
Anthem Blue Cross Select HMO shyHighshy Southern California 800shy235shy8631
Blue Shield of CA Access+HMO shyHighshy Southern Region 800shy880shy8086
Health Net of California shyHighshy Northern Region 800shy522shy0088
Health Net of California shyStdshy Northern Region 800shy522shy0088
Health Net of California shyHighshy Southern Region 800shy522shy0088
Health Net of California shyStdshy Southern Region 800shy522shy0088
Kaiser Foundation Health Plan shy Basic Option shy Northern California 800shy464shy4000
Kaiser Foundation Health Plan of California shyHighshy Northern California 800shy464shy4000
Kaiser Foundation Health Plan of California shyStdshy Northern California 800shy464shy4000
Kaiser Foundation Health Plan of California shyHighshy Southern California 800shy464shy4000
Kaiser Foundation Health Plan of California shyStdshy Southern California 800shy464shy4000
UnitedHealthcare of California shyHighshy Central and Southern California 866shy546shy0510
UnitedHealthcare of California shyStdshy Central and Southern California 866shy546shy0510
Colorado
Aetna Value Planshy All of Colorado 877shy459shy6604
Kaiser Foundation Health Plan of Colorado shyHighshy DenverBoulderSouthern Colorado areas 800shy632shy9700
Kaiser Foundation Health Plan of Colorado shyStdshy DenverBoulderSouthern Colorado areas 800shy632shy9700
Connecticut
Aetna Value Planshy All of Connecticut 877shy459shy6604
Delaware
Aetna Value Planshy All of Delaware 877shy459shy6604
Aetna Open Access shyHighshy KentNew CastleSussex areas 877shy459shy6604
Aetna Open Access shyBasicshy KentNew CastleSussex areas 877shy459shy6604
JS4 JS5
2X1 2X2
B31 B32
SI1 SI2
LB1 LB2
LB4 LB5
LP1 LP2
LP4 LP5
KC1 KC2
591 592
594 595
621 622
624 625
CY1 CY2
CY4 CY5
G54 G55
651 652
654 655
EP4 EP5
EP4 EP5
P31 P32
P34 P35
17258 41140
15940 41769
18194 43825
18445 42566
77474 182834
71405 168807
30687 74663
27027 66198
18293 47705
35345 91275
22772 58183
14073 35293
9019 20845
22819 54699
13109 30036
12822 29119
23933 55581
9887 22345
12694 28827
12694 28827
64801 164359
49560 118027
61069 138677
59725 139319
62024 141416
62280 140132
122490 283205
116299 268898
74767 172871
71034 164236
62125 145373
79518 189815
66694 156061
57420 132713
36797 85048
66742 152507
53485 122549
52315 118808
67878 153407
40339 91170
51792 117616
51792 117616
109563 264361
94017 217102
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
24
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay
deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How
well
doctors
communicate
Customer
service
Claims
processing
Plan
Information
on
Costs
California
Aetna Value Plan InshyNetwork $25$40 20 $10
HMO
30to$60050 to$1200
POS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Anthem Blue Cross Select HMOshyHigh
Blue Shield of CA Access+HMOshyHigh
Health Net of CaliforniashyHigh
Health Net of CaliforniashyStandard
Health Net of CaliforniashyHigh
Health Net of CaliforniashyStandard
Kaiser Foundation HP shy Basic Option
Kaiser Foundation HP of CaliforniashyHigh
Kaiser Foundation HP of CaliforniashyStandard
Kaiser Foundation HP of CaliforniashyHigh
Kaiser Foundation HP of CaliforniashyStandard
UnitedHealthcare of CaliforniashyHigh
UnitedHealthcare of CaliforniashyStandard
Colorado
Aetna Value Plan InshyNetwork
4040
$20$35
$25$35
$20$30
$20$30
$30$50
$20$30
$30$50
$25$35
$15$25
$30$40
$15$25
$30$40
$20$35
$25$40
$25$40
40
$250day x 4
$250max4days
$200 x 3 days
$150dayx5
$750
$150dayx5
$750
20
$250
$500
$250
$500
$150day x 4
30
20
50+
$10
$5$40$60
$10
$10
$15
$10
$15
$15
$10
$15
$10
$15
$10
$10
$10
50+50+
$35$100
$5$40$70$60
$3550
$35$60
$35$65
$35$60
$35$65
$35$35
$30$30
$35$35
$30$30
$35$35
$35$60
$25$50
30to$60050 to$1200
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
579
726
67
67
67
67
798
798
833
833
701
701
766
844
816
816
816
816
884
884
828
828
80
80
781
802
81
81
81
81
848
848
807
807
804
804
896
937
93
93
93
93
925
925
932
932
923
923
769
90
831
831
831
831
872
872
878
878
825
825
849
855
841
841
841
841
793
793
771
771
889
889
648
646
638
638
638
638
63
63
687
687
57
57
Aetna Value Plan OutshyNetwork
Kaiser Foundation HP of ColoradoshyHigh
Kaiser Foundation HP of ColoradoshyStandard
Connecticut
Aetna Value Plan InshyNetwork
4040
$20$40
$20$40
$25$40
40
$250x3
10
20
50+
$10
$15
$10
50+50+
$35$60
$40$80
30to$60050 to$1200
No
Yes
Yes
Yes
722
722
884
884
873
873
936
936
876
876
879
879
622
622
Aetna Value Plan OutshyNetwork
Delaware
Aetna Value Plan InshyNetwork
4040
$25$40
40
20
50+
$10
50+50+
30to$60050 to$1200
No
Yes Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Aetna Open AccessshyBasic
4040
$20$35
$15$35
40
$250day x 4
20 Plan Allow
50+
$10
$5
50+50+
$35$100
$35$100
No
Yes
Yes
602
602
862
862
855
855
972
972
865
865
872
872
618
618
25
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
District of Columbia
Aetna Value Plan shy All of Washington DC
Aetna Open Access shyHighshy Washington DC Area
Aetna Open Access shyBasicshy Washington DC Area
CareFirst BlueChoice shyHighshy Washington DC Metro Area
CareFirst BlueChoice shyStdshy Washington DC Metro Area
Kaiser Foundation Health Plan MidshyAtlantic States shyHighshy Washington DC area
Kaiser Foundation Health Plan MidshyAtlantic States shyStdshy Washington DC area
MD IPA shyHighshy Washington DC area
Florida
Aetna Value Plan shy Most of Florida
AvMed Health Plans shyHighshy Broward Dade and Palm Beach
AvMed Health Plans shyStdshy Broward Dade and Palm Beach
Capital Health Plan shyHighshy Tallahassee area
Coventry Health Plan of Florida shyHighshy Southern Florida
Coventry Health Plan of Florida shyStdshy Southern Florida
Humana Value Plan shy Tampa Area
Humana Value Plan shy South Florida Area
Humana Medical Plan Inc shyHighshy Orlando
Humana Medical Plan Inc shyStdshy Orlando
Humana Medical Plan Inc shyHighshy South Florida
Humana Medical Plan Inc shyStdshy South Florida
Humana Medical Plan Inc shyHighshy Daytona
Humana Medical Plan Inc shyStdshy Daytona
Humana Medical Plan Inc shyHighshy Tampa
Humana Medical Plan Inc shyStdshy Tampa
877shy459shy6604
877shy459shy6604
877shy459shy6604
888shy789shy9065
888shy789shy9065
877shy574shy3337
877shy574shy3337
877shy835shy9861
877shy459shy6604
800shy882shy8633
800shy882shy8633
850shy383shy3311
800shy441shy5501
800shy441shy5501
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
F54 F55
JN1 JN2
JN4 JN5
2G1 2G2
2G4 2G5
E31 E32
E34 E35
JP1 JP2
F54 F55
ML1 ML2
ML4 ML5
EA1 EA2
5E1 5E2
5E4 5E5
MJ4 MJ5
QP4 QP5
E21 E22
E24 E25
EE1 EE2
EE4 EE5
EX1 EX2
EX4 EX5
LL1 LL2
LL4 LL5
13058 29656
46867 105610
14021 31351
21177 48693
15284 35429
16926 42124
9646 22186
20245 50123
13058 29656
20336 56279
12604 30253
11679 30949
16664 47450
12501 30003
10247 22697
10247 22697
13149 29256
11834 26331
23153 51514
15825 35210
13880 30882
12491 27794
48720 108398
15825 35208
53279 120995
91271 204437
57208 127913
65067 146381
59056 132852
60731 139681
39358 90520
64116 147840
53279 120995
64209 154119
51424 123431
47650 126273
60464 145113
51005 122414
41809 92606
41809 92606
53648 119367
48282 107430
67082 149259
59608 132629
56629 125999
50965 113400
93161 207280
59608 132627
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
26
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay
deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How
well
doctors
communicate
Customer
service
Claims
processing
Plan
Information
on
Costs
District of Columbia
Aetna Value Plan InshyNetwork $25$40 20 $10
HMOPOS Nationa
30to$60050 to$1200 Yes
l Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Aetna Open AccessshyBasic
CareFirst BlueChoiceshyHigh
CareFirst BlueChoice InshyNetwork
4040
$15$30
$20$35
$25$35
Nothing$35
40
$150day x3
10 Plan Allow
$200
$200
50+
$5
$10
Nothing
Nothing
50+50+
$35$100
$35$100
$35$65
$35$65
No
Yes
Yes
Yes
Yes
69
69
648
648
844
844
86
86
872
872
833
833
942
942
925
925
865
865
846
846
914
914
902
902
567
567
54
54 CareFirst BlueChoice OutshyNetwork
Kaiser Foundation HP MidshyAtlantic StatesshyHigh
Kaiser Foundation HP MidshyAtlantic StatesshyStandard
MD IPAshyHigh
Florida
Aetna Value Plan InshyNetwork
$70$70
$10$20
$20$30
$25$40
$25$40
$500
$100
$250dayx3
$150day x 3
20
Nothing
$7$17 Net
$12$22Net
$7
$10
$35$65
$30$50$45$65
$35$55$50$70
$30$60
30to$60050 to$1200
Yes
Yes
Yes
Yes
Yes
83
83
583
867
867
846
831
831
876
927
927
937
813
813
867
836
836
841
702
702
677
Aetna Value Plan OutshyNetwork
AvMed Health PlansshyHigh
AvMed Health PlansshyStandard
Capital Health PlanshyHigh
Coventry Health Plan of FloridashyHigh
Coventry Health Plan of FloridashyStandard
Humana Value Plan InshyNetwork
4040
$15$40
$25$45
Nothing$15
$15$30
$20$50
$35$55
40
$250dayx3
$300dayx3
$250
Ded + $150x3
Ded + $150x5
20
50+
$5
$10
$15 Tier 1
$3$20
$3$10
$10
50+50+
$30$5030
$40$6030
$40$6020
$50$7020
$40$60
$30 Tier 2 $50 Tier 3
No
No
No
No
No
No
Yes
746
746
855
514
514
877
877
905
808
808
847
847
905
764
764
957
957
953
921
921
919
919
938
827
827
87
87
946
783
783
68
68
755
535
535
Humana Value Plan OutshyNetwork
Humana Value Plan InshyNetwork
5050
$35$55
50
20
$10+
$10
$40+$60+
$40$60
No
Yes Humana Value Plan OutshyNetwork
Humana Medical Plan IncshyHigh
Humana Medical Plan IncshyStandard
Humana Medical Plan IncshyHigh
Humana Medical Plan IncshyStandard
Humana Medical Plan IncshyHigh
Humana Medical Plan IncshyStandard
Humana Medical Plan IncshyHigh
Humana Medical Plan IncshyStandard
5050
$20$35
$25$40
$20$35
$25$40
$20$35
$25$40
$20$35
$25$40
50
$250day x 3
$500day x 3
$250day x 3
$500day x 3
$250day x 3
$500day x 3
$250day x 3
$500day x 3
$10+
$10
$10
$10
$10
$10
$10
$10
$10
$40+$60+
$40$60
$40$60
$40$60
$40$60
$40$60
$40$60
$40$60
$40$60
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
529
529
86
86
824
824
937
937
846
846
843
843
687
687
27
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Georgia
Aetna Value Planshy All of Georgia
Aetna Open Access shyHighshy Atlanta and Athens Areas
Humana Value Plan shy Atlanta Area
Humana Value Plan shy Macon Area
Humana Employers Health of Georgia Inc shyHighshy Columbus
Humana Employers Health of Georgia Inc shyStdshy Columbus
Humana Employers Health of Georgia Inc shyHighshy Atlanta
Humana Employers Health of Georgia Inc shyStdshy Atlanta
Humana Employers Health of Georgia Inc shyHighshy Macon
Humana Employers Health of Georgia Inc shyStdshy Macon
Kaiser Foundation Health Plan of Georgia shyHighshy Atlanta AthensColumbusMaconSavannah
Kaiser Foundation Health Plan of Georgia shyStdshy Atlanta AthensColumbusMaconSavannah
Guam
Calvos Selectcare shyHighshy Guam Northern Mariana Islands Palau
TakeCare shyHighshy GuamNMarianaIslandsBelau(Palau)
TakeCare shyStdshy GuamNMarianaIslandsBelau(Palau)
Hawaii Aetna Value Planshy All of Hawaii
HMSA shyHighshy All of Hawaii
Kaiser Foundation Health Plan of Hawaii shyHighshy HawaiiKauaiLanaiMauiMolokaiOahu
Kaiser Foundation Health Plan of Hawaii shyStdshy HawaiiKauaiLanaiMauiMolokaiOahu
877shy459shy6604
877shy459shy6604
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy865shy5813
888shy865shy5813
671 479shy7982
671shy647shy3526
671shy647shy3526
877shy459shy6604
800shy776shy4672
808shy432shy5955
808shy432shy5955
F54 F55
2U1 2U2
AD4 AD5
LM4 LM5
CB1 CB2
CB4 CB5
DG1 DG2
DG4 DG5
DN1 DN2
DN4 DN5
F81 F82
F84 F85
B41 B42
JK1 JK2
JK4 JK5
JS4 JS5
871 872
631 632
634 635
13058 29656
44133 104232
10247 22697
10247 22697
15825 35210
13880 30882
15825 35210
13149 29256
15825 35210
13880 30882
15015 36863
10047 22957
11949 31399
12447 36018
10209 26960
17258 41140
11377 25325
14515 32578
7553 16846
53279 120995
88482 203031
41809 92606
41809 92606
59608 132629
56629 125999
59608 132629
53648 119367
59608 132629
56629 125999
58782 134315
40991 93667
48751 128109
50786 133453
41654 109996
61069 138677
46419 103326
58272 129944
30818 68731
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
28
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay
deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How
well
doctors
communicate
Customer
service
Claims
processing
Plan
Information
on
Costs
Georgia
Aetna Value Plan InshyNetwork $25$40 20 $10
HMOP
30to$60050 to$1200
OS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Humana CoverageFirst InshyNetwork
4040
$20$35
$35$55
40
$250day x 4
20
50+
$10
$10
50+50+
$35$100
$40$60
No
Yes
Yes
59 90 878 941 86 857 62
Humana CoverageFirst OutshyNetwork
Humana CoverageFirst InshyNetwork
5050
$35$55
50
20
$10+
$10
$40+$60+
$40$60
No
Yes Humana CoverageFirst OutshyNetwork
Humana Employers Health of Georgia shyHigh
Humana Employers Health of Georgia shyStandard
Humana Employers Health of Georgia shyHigh
Humana Employers Health of Georgia shyStandard
Humana Employers Health of Georgia shyHigh
Humana Employers Health of Georgia shyStandard
Kaiser Foundation HP of GeorgiashyHigh
Kaiser Foundation HP of GeorgiashyStandard
Guam
Calvos Selectcare InshyNetwork
5050
$20$35
$25$40
$20$35
$25$40
$20$35
$25$40
$15$30
$20$35
$15$40
50
$250day x 3
$500day x 3
$250day x 3
$500day x 3
$250day x 3
$500day x 3
$250dayx3
$250dayx3
$200
$10+
$10
$10
$10
$10
$10
$10
$10$20 Comm
$15$25 Comm
$10
$40+$60+
$40$60
$40$60
$40$60
$40$60
$40$60
$40$60
$2550 of AWP
$40$50 Comm $40$50 Comm
$40$50 Comm $40$50 Comm
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
514
794
794
883
845
845
837
85
85
941
935
935
859
884
884
849
839
839
556
625
625
Calvos Selectcare OutshyNetwork
TakeCareshyHigh
TakeCareshyStandard
Hawaii Aetna Value Plan InshyNetwork
3030
$5 at FHP$40
$5 at FHP$40
$25$40
30
$100day for 5
$150day for 5
20
NA
$10
$15
$10
NA
$25$50
$40$80
30to$60050 to$1200
NA
Yes
Yes
Yes
687
687
669
669
686
686
904
904
792
792
786
786
571
571
Aetna Value Plan OutshyNetwork
HMSA InshyNetwork
4040
$15$15
40
$100
50+
$7
50+50+
$30$65
No
Yes 842 914 884 955 878 931 628 HMSA OutshyNetwork
Kaiser Foundation HP of HawaiishyHigh
Kaiser Foundation HP of HawaiishyStandard
3030
$20$20
$30$30
30
$100
10
$7 + 20
$10
$15
$45$45
$50$50
$30 + 20 $65 + 20 No
Yes
Yes
754
754
826
826
815
815
94
94
875
875
811
811
613
613
29
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Idaho
Aetna Value Planshy Most of Idaho 877shy459shy6604
Altius Health Plans shyHighshy Southern Region 800shy377shy4161
Altius Health Plans shyStdshy Southern Region 800shy377shy4161
Group Health Cooperative shyHighshy most of Washington StateampNorthern Idaho 888shy901shy4636
Group Health Cooperative shyStdshy most of Washington StateampNorthern Idaho 888shy901shy4636
SelectHealth shyHighshy Utah Idaho 801shy442shy7497
SelectHealth shyStdshy Utah Idaho 801shy442shy7497
Illinois
Aetna Value Planshy Most of Illinois 877shy459shy6604
Blue Cross and Blue Shield of Illinois shyHighshy Illinois 855shy676shy4482
Blue Preferred Plus POS shyHighshy Madison and St Clair counties 888shy811shy2092
Health Alliance HMO shyHighshy CentralECentralNCentSouthWest Ill 800shy851shy3379
Health Alliance HMO shyStdshy CentralECentralNCentSouthWest Ill 800shy851shy3379
Humana Benefit Plan of Illinois Inc shyHighshy Central and Northwestern Illinois 888shy393shy6765
Humana Benefit Plan of Illinois Inc shyStdshy Central and Northwestern Illinois 888shy393shy6765
Humana Value Plan shy Central Illinois 888shy393shy6765
Humana Value Plan shy Chicago Area 888shy393shy6765
Humana Health Plan Inc shyHighshy Chicago 888shy393shy6765
Humana Health Plan Inc shyStdshy Chicago 888shy393shy6765
Union Health Service shyHighshy Chicago area 312shy423shy4200
United Healthcare of the Midwest Inc shyHighshy Southwest Illinois 877shy835shy9861
UnitedHealthcare Plan of the River Valley Inc shyHighshy West Central Illinois 800shy747shy1446
H44 H45
9K1 9K2
DK4 DK5
541 542
544 545
SF1 SF2
SF4 SF5
H44 H45
A21 A22
9G1 9G2
FX1 FX2
K84 K85
9F1 9F2
AB4 AB5
GB4 GB5
MW4 MW5
751 752
754 755
761 762
B91 B92
YH1 YH2
13093 29732
19819 42542
11798 25954
27070 55009
11742 26509
19210 43095
12435 27741
13093 29732
30483 71121
32158 67069
26932 67294
20323 51891
51805 115264
15825 35210
10247 22697
10247 22697
40638 90413
15825 35210
14109 33787
33072 74273
14091 38330
53418 121307
63682 140107
48136 105894
71078 152824
47908 108156
63060 140671
50737 113183
53418 121307
74559 169258
76267 165125
70937 165354
64196 149643
96307 214284
59608 132629
41809 92606
41809 92606
84917 188936
59608 132629
57566 131177
77200 172473
57491 135811
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
30
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay
deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
6
Getting needed
care
Getting care
quickly
How
well
doctors
communicate
Customer
service
Claims
processing
Plan
Information
on
Costs
Idaho
Aetna Value Plan InshyNetwork $25$40 20 $10
HMO
30to$60050 to$1200
POS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Altius Health PlansshyHigh
Altius Health PlansshyStandard
Group Health CooperativeshyHigh
Group Health CooperativeshyStandard
SelectHealthshyHigh
SelectHealthshyStandard
Illinois
Aetna Value Plan InshyNetwork
4040
$20$30
$20$40
$25$25
$25$35
$15$25
$20$30
$25$40
40
$200
None
$350
$500
$100
$100 after
20
50+
$7
$7
$20
$20
$5 $25$50
$5
$10
50+50+
$25$50
$35$60
$40$60
$40$60
$25$50$50
$25$50
30to$60050 to$1200
No
No
None
Yes
Yes
Yes
Yes
Yes
552
552
659
659
629
629
852
852
86
86
876
876
813
813
869
869
851
851
948
948
941
941
958
958
883
883
912
912
912
912
895
895
881
881
903
903
588
588
692
692
64
64
Aetna Value Plan OutshyNetwork
Blue Cross and Blue Shield of IllinoisshyHigh
Blue Preferred Plus POS InshyNetwork
4040
$20$35
$25$35
40
$200day x 5
$500
50+
$10 copay
$5
50+50+
$40$60
$40$6025 $6025
No
Yes
Yes 647 891 861 961 84 864 685 Blue Preferred Plus POS OutshyNetwork
Health Alliance HMOshyHigh
Health Alliance HMOshyStandard
Humana Benefit Plan of Illinois IncshyHigh
Humana Benefit Plan of Illinois IncshyStandard
Humana Value Plan InshyNetwork
30 after ded
$25$50
$25$50
$20$35
$25$40
$35$55
30 after ded
$200day x 5
20
$250day x 3
$500day x 3
20
NA
$7
$7
$10
$10
$10
NA
$35$70
$35$70
$40$60
$40$60
$40$60
NA
Yes
Yes
Yes
Yes
Yes
745 915 88 962 878 868 67
Humana Value Plan OutshyNetwork
Humana CoverageFirst InshyNetwork
5050
$35$55
50
20
$10+
$10
$40+$60+
$40$60
No
Yes Humana CoverageFirst OutshyNetwork
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
Union Health ServiceshyHigh
United Healthcare of the Midwest IncshyHigh
UnitedHealthcare Plan of the River Valley shyHigh
5050
$20$35
$25$40
$15$15
$25$40
$25$50
50
$250day x 3
$500day x 3
None
$450
20
$10+
$10
$10
$10
$7
$10
$40+$60+
$40$60
$40$60
$35$60
$30$60
$35$50
No
Yes
Yes
Yes
Yes
Yes
647
647
665
577
822
822
919
896
788
788
902
86
943
943
957
956
859
859
892
914
834
834
898
918
66
66
732
623
31
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Indiana
Aetna Value Planshy All of Indiana 877shy459shy6604
Health Alliance HMO shyHighshy Western Indiana 800shy851shy3379
Health Alliance HMO shyStdshy Western Indiana 800shy851shy3379
Humana Value Plan shy LakePorterLaPorte Counties 888shy393shy6765
Humana Health Plan of Ohio shyHighshy Portions of Indiana 888shy393shy6765
Humana Health Plan of Ohio shyStdshy Portions of Indiana 888shy393shy6765
Humana Health Plan Inc shyHighshy LakePorterLaPorte Counties 888shy393shy6765
Humana Health Plan Inc shyStdshy LakePorterLaPorte Counties 888shy393shy6765
Humana Health Plan Inc shyHighshy Southern Indiana 888shy393shy6765
Humana Health Plan Inc shyStdshy Southern Indiana 888shy393shy6765
Physicians Health Plan of Northern Indiana shyHighshy Northeast Indiana 260shy432shy6690
Iowa
Aetna Value Planshy All of Iowa 877shy459shy6604
Coventry Health Care of Iowa shyHighshy CentralEasternWestern Iowa 800shy257shy4692
Coventry Health Care of Iowa shyStdshy CentralEasternWestern Iowa 800shy257shy4692
Health Alliance HMO shyHighshy Central and Eastern Iowa 800shy851shy3379
Health Alliance HMO shyStdshy Central and Eastern Iowa 800shy851shy3379
HealthPartners High Option shyNorthern Iowa 800shy883shy2177
HealthPartners Standard Option shyNorthern Iowa 800shy883shy2177
Sanford Health Plan shyHighshy Northwestern Iowa 800shy752shy5863
Sanford Health Plan shyStdshy Northwestern Iowa 800shy752shy5863
UnitedHealthcare Plan of the River Valley Inc shyHighshy Eastern and Central Iowa 800shy747shy1446
JS4 JS5
FX1 FX2
K84 K85
MW4 MW5
A61 A62
A64 A65
751 752
754 755
MH1 MH2
MH4 MH5
DQ1 DQ2
H44 H45
SV1 SV2
SY4 SY5
FX1 FX2
K84 K85
V31 V32
V34 V35
AU1 AU2
AU4 AU5
YH1 YH2
17258 41140
26932 67294
20323 51891
10247 22697
13880 30882
12491 27794
40638 90413
15825 35210
15825 35210
13880 30882
30786 68557
13093 29732
13351 31376
9799 23027
26932 67294
20323 51891
26865 64982
8897 20464
26173 63455
23647 57594
14091 38330
61069 138677
70937 165354
64196 149643
41809 92606
56629 125999
50965 113400
84917 188936
59608 132629
59608 132629
56629 125999
74868 166643
53418 121307
54474 128016
39979 93951
70937 165354
64196 149643
70869 162996
36302 83494
70163 161438
67586 155460
57491 135811
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
32
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay
deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How
well
doctors
communicate
Customer
service
Claims
processing
Plan
Information
on
Costs
Indiana
Aetna Value Plan InshyNetwork $25$40 20 $10
HMO
30to$60050 to$1200
POS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Health Alliance HMOshyHigh
Health Alliance HMOshyStandard
Humana Value Plan InshyNetwork
4040
$25$50
$25$50
$35$55
40
$200day x 5
20
20
50+
$7
$7
$10
50+50+
$35$70
$35$70
$40$60
No
Yes
Yes
Yes
745 915 88 962 878 868 67
Humana Value Plan OutshyNetwork
Humana Health Plan of OhioshyHigh
Humana Health Plan of OhioshyStandard
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
Physicians Health Plan of Northern IndianashyHigh
Iowa
Aetna Value Plan InshyNetwork
5050
$20$35
$25$40
$20$35
$25$40
$20$35
$25$40
$15$15
$25$40
50
$250day x 3
$500day x 3
$250day x 3
$500day x 3
$250day x 3
$500day x 3
20
20
$10+
$10
$10
$10
$10
$10
$10
$10
$10
$40+$60+
$40$60
$40$60
$40$60
$40$60
$40$60
$40$60
$25$50
30to$60050 to$1200
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
647
647
562
822
822
878
788
788
815
943
943
934
859
859
868
834
834
893
66
66
593
Aetna Value Plan OutshyNetwork
Coventry Health Care of IowashyHigh
Coventry Health Care of IowashyStandard
Health Alliance HMOshyHigh
Health Alliance HMOshyStandard
HealthPartners High Option
HealthPartners Standard Option
Sanford Health Plan InshyNetwork
4040
$25$50
$25$50
$25$50
$25$50
$25$45
$0 for 3 then 20
$20$30
40
20
20
$200day x 5
20
Nothing
20 in40 out
$100day x 5
50+
$3 $10
$3 $10
$7
$7
$12
$9
$15
50+50+
$45$70$100
30$5000 Max
$35$70
$35$70
$45$90
$40$70
$30$50
No
Yes
No
Yes
Yes
Yes
Yes
NA
562
562
745
647
647
535
905
905
915
893
893
903
888
888
88
875
875
89
964
964
962
951
951
977
837
837
878
92
92
902
903
903
868
911
911
912
652
652
67
725
725
558 Sanford Health Plan OutshyNetwork
Sanford Health Plan InshyNetwork
4040
$25$25
40
$100day x 5
40+
$15
40+40+
$30$50
NA
NA 535 903 89 977 902 912 558 Sanford Health Plan OutshyNetwork
UnitedHealthcare Plan of the River Valley shyHigh
40+40+
$25$50
40+
20
40+
$10
40+40+
$35$50
NA
Yes 577 896 86 956 914 918 623
33
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Kansas
Aetna Value Planshy Most of Kansas
Aetna Open Access shyHighshy Kansas City area
Coventry Health Care of Kansas shyHighshy Kansas City Metro Area (KS and MO)
Coventry Health Care of Kansas shyStdshy Kansas City Metro Area (KS and MO)
Humana Value Plan shy Kansas City Area
Humana Health Plan Inc shyHighshy Kansas City
Humana Health Plan Inc shyStdshy Kansas City
Kentucky
Aetna Value Planshy Most of Kentucky
Humana Health Plan of Ohio shyHighshy Portions of Kentucky
Humana Health Plan of Ohio shyStdshy Portions of Kentucky
Humana Health Plan Inc shyHighshy Louisville
Humana Health Plan Inc shyStdshy Louisville
Humana Health Plan Inc shyHighshy Lexington
Humana Health Plan Inc shyStdshy Lexington
Louisiana
Aetna Value Planshy Most of Louisiana
Coventry Health Care of Louisiana shyHighshy New Orleans Area
Coventry Health Care of Louisiana shyStdshy New Orleans Area
Humana Health Benefit Plan of Louisiana Inc shyHighshy Baton Rouge
Humana Health Benefit Plan of Louisiana Inc shyStdshy Baton Rouge
Humana Health Benefit Plan of Louisiana Inc shyHighshy New Orleans
Humana Health Benefit Plan of Louisiana Inc shyStdshy New Orleans
877shy459shy6604
877shy459shy6604
800shy969shy3343
800shy969shy3343
888shy393shy6765
888shy393shy6765
888shy393shy6765
877shy459shy6604
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
877shy459shy6604
800shy341shy6613
800shy341shy6613
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
G54 G55
HY1 HY2
HA1 HA2
HA4 HA5
PH4 PH5
MS1 MS2
MS4 MS5
H44 H45
A61 A62
A64 A65
MH1 MH2
MH4 MH5
MI1 MI2
MI4 MI5
F54 F55
BJ1 BJ2
BJ4 BJ5
AE1 AE2
AE4 AE5
BC1 BC2
BC4 BC5
12822 29119
13777 50039
13519 32270
12568 29535
10247 22697
62521 139111
15825 35210
13093 29732
13880 30882
12491 27794
15825 35210
13880 30882
19459 43292
13880 30882
13058 29656
19208 48754
13035 30271
15825 35210
13149 29256
13880 30882
12491 27794
52315 118808
55396 147754
55160 129630
51276 120503
41809 92606
107238 238608
59608 132629
53418 121307
56629 125999
50965 113400
59608 132629
56629 125999
63314 140872
56629 125999
53279 120995
63058 146443
53182 123506
59608 132629
53648 119367
56629 125999
50965 113400
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
34
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay
deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How
well
doctors
communicate
Customer
service
Claims
processing
Plan
Information
on
Costs
Kansas
Aetna Value Plan InshyNetwork $25$40 20 $10
HMO
30to$60050 to$1200
POS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Coventry Health Care of KansasshyHigh
Coventry Health Care of KansasshyStandard
Humana CoverageFirst InshyNetwork
4040
$20$35
$30$60
$30$60
$35$55
40
$250day x 4
25
30
20
50+
$10
$3 $12
$3 $12
$10
50+50+
$35$100
$50$75
$5020
$40$60
No
Yes
Yes
Yes
Yes
639
602
602
862
906
906
862
88
88
94
96
96
838
894
894
901
884
884
538
663
663
Humana CoverageFirst OutshyNetwork
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
Kentucky
Aetna Value Plan InshyNetwork
5050
$20$35
$25$40
$25$40
50
$250day x 3
$500day x 3
20
$10+
$10
$10
$10
$40+$60+
$40$60
$40$60
30to$60050 to$1200
No
Yes
Yes
Yes
676
676
903
903
901
901
951
951
881
881
918
918
729
729
Aetna Value Plan OutshyNetwork
Humana Health Plan of OhioshyHigh
Humana Health Plan of OhioshyStandard
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
Louisiana
Aetna Value Plan InshyNetwork
4040
$20$35
$25$40
$20$35
$25$40
$20$35
$25$40
$25$40
40
$250day x 3
$500day x 3
$250day x 3
$500day x 3
$250day x 3
$500day x 3
20
50+
$10
$10
$10
$10
$10
$10
$10
50+50+
$40$60
$40$60
$40$60
$40$60
$40$60
$40$60
30to$60050 to$1200
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes Aetna Value Plan OutshyNetwork
Coventry Health Care of LouisianashyHigh
Coventry Health Care of LouisianashyStandard
Humana Health Benefit Plan of LA shyHigh
Humana Health Benefit Plan of LA shyStandard
Humana Health Benefit Plan of LA shyHigh
Humana Health Benefit Plan of LA shyStandard
4040
$25$45
$30$55
$20$35
$35$40
$20$35
$35$40
40
Ded+$100
Ded+30
$250day x 3
$500day x 3
$250day x 3
$500day x 3
50+
$5
$5
$10
$10
$10
$10
50+50+
$40$100
$40$100
$40$60
$40$60
$40$60
$40$60
No
Yes
Yes
Yes
Yes
Yes
Yes
573
573
874
874
823
823
968
968
831
831
827
827
625
625
35
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Maine
Aetna Value Planshy All of Maine 877shy459shy6604
Maryland
Aetna Value Planshy All of Maryland 877shy459shy6604
Aetna Open Access shyHighshy NorthernCentralSouthern Maryland Areas 877shy459shy6604
Aetna Open Access shyBasicshy NorthernCentralSouthern Maryland Areas 877shy459shy6604
CareFirst BlueChoice shyHighshy All of Maryland 888shy789shy9065
CareFirst BlueChoice shyStdshy All of Maryland 888shy789shy9065
Coventry Health Care shyHighshy All of Maryland 800shy833shy7423
Coventry Health Care shyStdshy All of Maryland 800shy833shy7423
Kaiser Foundation Health Plan MidshyAtlantic States shyHighshy BaltimoreWashington DC areas 877shy574shy3337
Kaiser Foundation Health Plan MidshyAtlantic States shyStdshy BaltimoreWashington DC areas 877shy574shy3337
MD IPA shyHighshy All of Maryland 877shy835shy9861
Massachusetts
Aetna Value Planshy Most of Massachusetts 877shy459shy6604
Fallon Community Health Plan shyBasicshy CentralEastern Massachusetts 800shy868shy5200
EP4 EP5
F54 F55
JN1 JN2
JN4 JN5
2G1 2G2
2G4 2G5
IG1 IG2
IG4 IG5
E31 E32
E34 E35
JP1 JP2
EP4 EP5
JG1 JG2
12694 28827
13058 29656
46867 105610
14021 31351
21177 48693
15284 35429
14998 37685
13265 30509
16926 42124
9646 22186
20245 50123
12694 28827
29337 80043
51792 117616
53279 120995
91271 204437
57208 127913
65067 146381
59056 132852
58764 135153
54121 124479
60731 139681
39358 90520
64116 147840
51792 117616
73390 178358
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
36
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay
deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How
well
doctors
communicate
Customer
service
Claims
processing
Plan
Information
on
Costs
Maine
Aetna Value Plan InshyNetwork $25$40 20 $10
HMO
30to$60050 to$1200
POS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Maryland
Aetna Value Plan InshyNetwork
4040
$25$40
40
20
50+
$10
50+50+
30to$60050 to$1200
No
Yes Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Aetna Open AccessshyBasic
CareFirst BlueChoiceshyHigh
CareFirst BlueChoice InshyNetwork
4040
$15$30
$20$35
$25$35
Nothing$35
40
$150day x3
10 Plan Allow
$200
$200
50+
$5
$10
Nothing
Nothing
50+50+
$35$100
$35$100
$35$65
$35$65
No
Yes
Yes
Yes
Yes
69
69
648
648
844
844
86
86
872
872
833
833
942
942
925
925
865
865
846
846
914
914
902
902
567
567
54
54 CareFirst BlueChoice OutshyNetwork
Coventry Health CareshyHigh
Coventry Health CareshyStandard
Kaiser Foundation HP MidshyAtlantic StatesshyHigh
Kaiser Foundation HP MidshyAtlantic StatesshyStandard
MD IPAshyHigh
Massachusetts
Aetna Value Plan InshyNetwork
$70$70
$20$40
$20$40
$10$20
$20$30
$25$40
$25$40
$500
$200day x 3
$200day x 3
$100
$250dayx3
$150day x 3
20
Nothing
$3$15
$3$15
$7$17 Net
$12$22Net
$7
$10
$35$65
$30$60
$30$60
$30$50$45$65
$35$55$50$
$30$60
30to$60050 to$1200
Yes
Yes
Yes
Yes
70 Yes
Yes
Yes
563
563
83
83
583
864
864
867
867
846
864
864
831
831
876
969
969
927
927
937
892
892
813
813
867
871
871
836
836
841
606
606
702
702
677
Aetna Value Plan OutshyNetwork
Fallon Community Health PlanshyBasic
4040
$25$35
40
$150to$750max
50+
$10
50+50+
$30$60
No
Yes 627 851 882 929 883 801 649
37
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Michigan
Aetna Value Planshy All of Michigan 877shy459shy6604
Bluecare Network of MI shyHighshy East Region 800shy662shy6667
Bluecare Network of MI shyHighshy Southeast Region 800shy662shy6667
Grand Valley Health Plan shyHighshy Grand Rapids area 616shy949shy2410
Grand Valley Health Plan shyStdshy Grand Rapids area 616shy949shy2410
Health Alliance Plan shyHighshy Southeastern MichiganFlint Area 800shy556shy9765
Health Alliance Plan shyStdshy Southeastern MichiganFlint Area 800shy556shy9765
HealthPlus of MI shyHighshy East Michigan 800shy332shy9161
Total Health Care USA shyHighshy Michigan 800shy826shy2862
Minnesota
Aetna Value Planshy Most of Minnesota 877shy459shy6604
HealthPartners High Option shy Minnesota 800shy883shy2177
HealthPartners Standard Option shy Minnesota 800shy883shy2177
Mississippi Aetna Value Planshy Most of Mississippi 877shy459shy6604
G54 G55
K51 K52
LX1 LX2
RL1 RL2
RL4 RL5
521 522
GY4 GY5
X51 X52
A51 A52
H44 H45
V31 V32
V34 V35
H44 H45
12822 29119
22055 52593
18055 50747
24184 61492
19656 50897
20111 55722
16974 48191
13915 49809
13670 50117
13093 29732
26865 64982
8897 20464
13093 29732
52315 118808
65962 150359
61882 148476
68134 159436
63515 148629
63980 153551
60780 145869
56775 147520
55776 147834
53418 121307
70869 162996
36302 83494
53418 121307
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
38
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How well
doctors
communicate
Customer
service
Claims
processing
Plan Inform
ation
on Costs
Michigan
Aetna Value Plan InshyNetwork $25$40 20 $10
HMOP
30to$60050 to$1200
OS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Bluecare Network of MIshyHigh
Bluecare Network of MIshyHigh
Grand Valley Health PlanshyHigh
Grand Valley Health PlanshyStandard
Health Alliance PlanshyHigh
Health Alliance PlanshyStandard
HealthPlus of MIshyHigh
Total Health Care USAshyHigh
Minnesota
Aetna Value Plan InshyNetwork
4040
$15$25
$15$25
$10$10
$20$20
$10$20
$15$30
$10$20
$15$15
$25$40
40
Nothing
Nothing
Nothing
$500x3
Nothing
Nothing
None
None
20
50+
$10
$10
$5
$10
$5
$15
$0$8
$10
$10
50+50+
$30$60
$30$60
$15$15
NA$40
$50$50
$50$50
$40$60
$40$40
30to$60050 to$1200
No
Yes
Yes
No
No
Yes
Yes
Yes
Yes
Yes
651
651
742
742
793
793
793
899
899
90
90
888
888
919
875
875
912
912
862
862
92
933
933
952
952
943
943
951
884
884
883
883
899
899
946
937
937
836
836
902
902
919
672
672
795
795
656
656
658
Aetna Value Plan OutshyNetwork
HealthPartners High Option
HealthPartners Standard Option
Mississippi Aetna Value Plan InshyNetwork
4040
$25$45
$0 for 3 then 20
$25$40
40
Nothing
20 in40 out
20
50+
$12
$9
$10
50+50+
$45$90
$40$70
30to$60050 to$1200
No
Yes
Yes
Yes
647
647
893
893
875
875
951
951
92
92
911
911
725
725
Aetna Value Plan OutshyNetwork 4040 40 50+ 50+50+ No
39
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Missouri Aetna Value Planshy Most of Missouri
Aetna Open Access shyHighshy Kansas City area
Blue Preferred Plus POS shyHighshy StLouisCentralSW areas
Coventry Health Care of Kansas shyHighshy Kansas City Metro Area (KS and MO)
Coventry Health Care of Kansas shyStdshy Kansas City Metro Area (KS and MO)
Humana Value Plan shy Kansas City Area
Humana Health Plan Inc shyHighshy Kansas City
Humana Health Plan Inc shyStdshy Kansas City
United Healthcare of the Midwest Inc shyHighshy St Louis Area
Montana
Aetna Value Planshy SouthSoutheastWestern MT Areas
Nebraska
Aetna Value Planshy All of Nebraska
Nevada
Aetna Value Planshy Las Vegas Area
Aetna Open Access shyHighshy Clark County and Las Vegas areas
Health Plan of Nevada shyHighshy Las VegasEsmeralda and Nye counties
New Hampshire
Aetna Value Planshy All of New Hampshire
877shy459shy6604
877shy459shy6604
888shy811shy2092
800shy969shy3343
800shy969shy3343
888shy393shy6765
888shy393shy6765
888shy393shy6765
877shy835shy9861
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy545shy7378
877shy459shy6604
G54 G55
HY1 HY2
9G1 9G2
HA1 HA2
HA4 HA5
PH4 PH5
MS1 MS2
MS4 MS5
B91 B92
H44 H45
H44 H45
G54 G55
HF1 HF2
NM1 NM2
EP4 EP5
12822 29119
13577 50039
32158 67069
13519 32270
12568 29535
10247 22697
62521 139111
15825 35210
33072 74273
13093 29732
13093 29732
12822 29119
11267 36491
9883 23303
12694 28827
52315 118808
55396 147754
76267 165125
55160 129630
51276 120503
41809 92606
107238 238608
59608 132629
77200 172473
53418 121307
53418 121307
52315 118808
45970 133935
40322 95078
51792 117616
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
40
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How well
doctors
communicate
Customer
service
Claims
processing
Plan Inform
ation
on Costs
Missouri Aetna Value Plan InshyNetwork $25$40 20 $10
HMOP
30to$60050 to$1200
OS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
4040
$20$35
40
$250day x 4
50+
$10
50+50+
$35$100 $40$60
No
Yes 639 862 862 94 838 901 538
Blue Preferred Plus POS InshyNetwork $25$35 $500 $5 25$6025 Yes 647 891 861 961 84 864 685 Blue Preferred Plus POS OutshyNetwork Coventry Health Care of KansasshyHigh
Coventry Health Care of KansasshyStandard
Humana Value Plan InshyNetwork
30 after ded $30$60
$30$60
$35$55
30 after ded 25
30
20
NA $3 $12
$3 $12
$10
NA $50$75
$5020
$40$60
NA Yes
Yes
Yes
602
602
906
906
88
88
96
96
894
894
884
884
663
663
Humana Value Plan OutshyNetwork
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
United Healthcare of the Midwest IncshyHigh
Montana
Aetna Value Plan InshyNetwork
5050
$20$35
$25$40
$25$40
$25$40
50
$250day x 3
$500day x 3
$450
20
$10+
$10
$10
$7
$10
$40+$60+
$40$60
$40$60
$30$60
30to$60050 to$1200
No
Yes
Yes
Yes
Yes
676
676
665
903
903
919
901
901
902
951
951
957
881
881
892
918
918
898
729
729
732
Aetna Value Plan OutshyNetwork
Nebraska
Aetna Value Plan InshyNetwork
4040
$25$40
40
20
50+
$10
50+50+
30to$60050 to$1200
No
Yes Aetna Value Plan OutshyNetwork
Nevada
Aetna Value Plan InshyNetwork
4040
$25$40
40
20
50+
$10
50+50+
30to$60050 to$1200
No
Yes Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Health Plan of NevadashyHigh
New Hampshire
Aetna Value Plan InshyNetwork
4040
$20$35
$10$25
$25$40
40
$250day x 4
$300
20
50+
$10
$7
$10
50+50+
$35$100
$35$55$100
30to$60050 to$1200
No
Yes
Yes
Yes
602
516
838
696
861
66
923
892
849
892
918
912
636
529
Aetna Value Plan OutshyNetwork 4040 40 50+ 50+50+ No
41
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
New Jersey
Aetna Value Planshy All of New Jersey 877shy459shy6604
Aetna Open Access shyHighshy Northern New Jersey 877shy459shy6604
Aetna Open Access shyBasicshy Northern New Jersey 877shy459shy6604
Aetna Open Access shyHighshy Southern NJ 877shy459shy6604
Aetna Open Access shyBasicshy Southern NJ 877shy459shy6604
GHI Health Plan shyHighshy Northern New Jersey 212shy501shy4444
GHI Health Plan shyStdshy Northern New Jersey 212shy501shy4444
New Mexico
Aetna Value Planshy AlbuquerqueDona AnaHobbs Area 877shy459shy6604
Lovelace Health Plan shyHighshy All of New Mexico 800shy808shy7363
Presbyterian Health Plan shyHighshy All counties in New Mexico 800shy356shy2219
EP4 EP5
JR1 JR2
JR4 JR5
P31 P32
P34 P35
801 802
804 805
G54 G55
Q11 Q12
P21 P22
12694 28827
52355 123641
34184 82457
64801 164359
49560 118027
32591 93212
14135 33572
12822 29119
13099 30785
23940 56335
51792 117616
96868 222828
78334 180821
109563 264361
94017 217102
76709 191791
57672 130958
52315 118808
53445 125603
67885 154176
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
42
Primary care Hospital
Prescription Drugs
Member Survey Results
Mail lan
eeded
are
ll icate
r ng rmation
Plan Name ndash Location Specialist
office copay per stay
deductible Level I Level II Level III
order discount
Overall p
satisfaction
Getting n
care
Getting c
quickly
How
we
doctors
commun
Custome
service
Claims
processi
Plan
Info
on
Costs
New Jersey
Aetna Value Plan InshyNetwork $25$40 20 $10
HMO
30to$60050 to$1200
POS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Aetna Open AccessshyBasic
Aetna Open AccessshyHigh
Aetna Open AccessshyBasic
GHI Health Plan InshyNetwork
4040
$20$35
$15$35
$20$35
$15$35
$20$20
40
$250day x 4
20 Plan Allow
$250day x 4
20 Plan Allow
$150max$450
50+
$10
$5
$10
$5
$20
50+50+
$35$100
$35$100
$35$100
$35$100
$45$85
No
Yes
Yes
Yes
Yes
Yes
631
631
631
631
663
852
852
852
852
844
837
837
837
837
851
928
928
928
928
936
895
895
895
895
86
809
809
809
809
828
623
623
623
623
642 GHI Health Plan OutshyNetwork
GHI Health PlanshyStandard
New Mexico
Aetna Value Plan InshyNetwork
50 of sch
$30$30
$25$40
+50 of sch
$250day x 3
20
NA
$10
$10
NA
$45$85
30to$60050 to$1200
No
Yes
Yes
663 844 851 936 86 828 642
Aetna Value Plan OutshyNetwork
Lovelace Health PlanshyHigh
Presbyterian Health PlanshyHigh
4040
$25$35
$25$40
40
$250 after ded
$100 x 5 days
50+
$5
$10
50+50+
$35$6050
$40$7550
No
Yes
Yes
651
655
796
824
753
783
918
917
828
848
939
852
656
616
43
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
New York
Aetna Value Planshy Most of New York 877shy459shy6604
Aetna Open Access shyHighshy NYC AreaUpstate NY 877shy459shy6604
Aetna Open Access shyBasicshy NYC AreaUpstate NY 877shy459shy6604
CDPHP Universal Benefits Inc shyHighshy Upstate Hudson Valley Central NY 877shy269shy2134
CDPHP Universal Benefits Inc shyStdshy Upstate Hudson Valley Central NY 877shy269shy2134
GHI HMO Select shyHighshy BrnxBrklynManhatQueenRichmonWestche 877shy244shy4466
GHI HMO Select shyHighshy CapitalHudson Valley Regions 877shy244shy4466
GHI Health Plan shyHighshy All of New York 212shy501shy4444
GHI Health Plan shyStdshy All of New York 212shy501shy4444
HIP Health of Greater New York shyHighshy New York City area including Long Island 800shy447shy8255
HIP Health of Greater New York shyStdshy New York City area including Long Island 800shy447shy8255
Independent Health Association shyHighshy Western New York 800shy501shy3439
Independent Health Association shyStdshy Western New York 800shy501shy3439
MVP Health Care shyHighshy Eastern Region 888shy687shy6277
MVP Health Care shyStdshy Eastern Region 888shy687shy6277
MVP Health Care shyHighshy Western Region 888shy687shy6277
MVP Health Care shyStdshy Western Region 888shy687shy6277
MVP Health Care shyHighshy Central Region 888shy687shy6277
MVP Health Care shyStdshy Central Region 888shy687shy6277
MVP Health Care shyHighshy Northern Region 888shy687shy6277
MVP Health Care shyStdshy Northern Region 888shy687shy6277
MVP Health Care shyHighshy MidshyHudson Region 888shy687shy6277
MVP Health Care shyStdshy MidshyHudson Region 888shy687shy6277
EP4 EP5
JC1 JC2
JC4 JC5
SG1 SG2
SG4 SG5
6V1 6V2
X41 X42
801 802
804 805
511 512
514 515
QA1 QA2
C54 C55
GA1 GA2
GA4 GA5
GV1 GV2
GV4 GV5
M91 M92
M94 M95
MF1 MF2
MF4 MF5
MX1 MX2
MX4 MX5
12694 28827
40198 109033
26007 71920
22952 71235
12294 32053
19548 60991
14167 47634
32591 93212
14135 33572
17000 63158
12206 34562
18597 58201
14454 47853
16586 53386
13377 39674
13042 35704
11193 28006
17110 54877
13779 42651
25417 75411
22349 67734
18731 58664
13657 42345
51792 117616
84468 207928
69993 170073
66877 169374
50161 129408
63405 158925
57800 145301
76709 191791
57672 130958
60806 161136
49800 131968
62435 156079
58209 145524
60384 151168
54580 137182
53210 133132
45669 114266
60918 152689
56220 140218
69392 173634
66262 165803
62572 156552
55723 139906
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
44
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How well
doctors
communicate
Customer
service
Claims
processing
Plan Inform
ation
on Costs
New York
Aetna Value Plan InshyNetwork $25$40 20 $10
HMOP
30to$60050 to$1200
OS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Aetna Open AccessshyBasic
CDPHP Universal Benefits IncshyHigh
CDPHP Universal Benefits IncshyStandard
GHI HMO SelectshyHigh
GHI HMO SelectshyHigh
GHI Health Plan InshyNetwork
4040
$20$35
$15$35
$20$30
$25$40
$25$40
$25$40
$20$20
40
$250day x 4
20 Plan Allow
$100 x 5
$500+10
$500
$500
$150max$450
50+
$10
$5
25
30
$10
$10
$20
50+50+
$35$100
$35$100
2525
3030
$30$50
$30$50
$45$85
No
Yes
Yes
No
No
Yes
Yes
Yes
662
662
729
729
663
848
848
928
928
844
849
849
90
90
851
937
937
949
949
936
888
888
922
922
86
874
874
924
924
828
547
547
70
70
642 GHI Health Plan OutshyNetwork
GHI Health PlanshyStandard
HIP Health of Greater New YorkshyHigh
HIP Health of Greater New YorkshyStandard
Independent Health Assoc InshyNetwork
50 of sch
$30$30
$20$40
$30$50
$25$25
+50 of sch
$250day x 3
None
$1000
$250
NA
$10
$15
$15$100Ded
$10
NA
$45$85
$35$75
$30$75
$35$75 $75$100Ded
No
Yes
Yes
Yes
No
663
729
729
735
844
814
814
933
851
786
786
923
936
888
888
952
86
787
787
92
828
848
848
916
642
60
60
755 Independent Health Assoc OutshyNetwork
Independent Health Association InshyNetwork
2525
$30$50
25
$750
NA
$10
NA
$5050
No
Yes Independent Health Association OutshyNetwork
MVP Health CareshyHigh
MVP Health CareshyStandard
MVP Health CareshyHigh
MVP Health CareshyStandard
MVP Health CareshyHigh
MVP Health CareshyStandard
MVP Health CareshyHigh
MVP Health CareshyStandard
MVP Health CareshyHigh
MVP Health CareshyStandard
3030
$25$25
$30$50
$25$25
$30$50
$25$25
$30$50
$25$25
$30$50
$25$25
$30$50
30
$500
$750
$500
$750
$500
$750
$500
$750
$500
$750
NA
$5
$5
$5
$5
$5
$5
$5
$5
$5
$5
NA
$35$70
$45$90
$35$70
$45$90
$35$70
$45$90
$35$70
$45$90
$35$70
$45$90
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
739
739
739
739
739
739
739
739
739
739
934
934
934
934
934
934
934
934
934
934
89
89
89
89
89
89
89
89
89
89
962
962
962
962
962
962
962
962
962
962
896
896
896
896
896
896
896
896
896
896
92
92
92
92
92
92
92
92
92
92
768
768
768
768
768
768
768
768
768
768
45
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
North Carolina
Aetna Value Planshy All of North Carolina 877shy459shy6604
North Dakota
Aetna Value Planshy Most of North Dakota 877shy459shy6604
HealthPartners High Option shy Eastern North Dakota 800shy883shy2177
HealthPartners Standard Option shyEastern North Dakota 800shy883shy2177
Sanford Heart of America Health Plan shyHighshy Northcentral North Dakota 800shy525shy5661
Sanford Health Plan shyHighshy North Dakota 800shy752shy5863
Sanford Health Plan shyStdshy North Dakota 800shy752shy5863
Ohio
Aetna Value Planshy All of Ohio 877shy459shy6604
AultCare HMO shyHighshy StarkCarrollHolmesTuscarawasWayne Co 330shy363shy6360
Humana Health Plan of Ohio shyHighshy Greater Cincinnati Area 888shy393shy6765
Humana Health Plan of Ohio shyStdshy Greater Cincinnati Area 888shy393shy6765
HealthSpan Integrated CareshyClevelandAkron areas 800shy686shy7100
HealthSpan Integrated CareshyStdshyClevelandAkron areas 800shy686shy7100
The Health Plan of the Upper Ohio Valley shyHighshy Eastern Ohio 800shy624shy6961
Oklahoma
Aetna Value Planshy All of Oklahoma 877shy459shy6604
Globalhealth Inc shyHighshy Oklahoma 877shy280shy5600
F54 F55
H44 H45
V31 V32
V34 V35
RU1 RU2
C91 C92
C94 C95
JS4 JS5
3A1 3A2
A61 A62
A64 A65
641 642
644 645
U41 U42
JS4 JS5
IM1 IM2
13058 29656
13093 29732
26865 64982
8897 20464
13803 47086
20976 51441
14143 45836
17258 41140
14204 44676
13880 30882
12491 27794
28758 69344
13114 30163
26271 60855
17258 41140
11810 28460
53279 120995
53418 121307
70869 162996
36302 83494
56317 144742
64862 149184
57705 143467
61069 138677
57953 142284
56629 125999
50965 113400
72799 167445
53504 123066
70263 158786
61069 138677
48185 116118
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
46
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How well
doctors
communicate
Customer
service
Claims
processing
Plan Inform
ation
on Costs
North Carolina
Aetna Value Plan InshyNetwork $25$40 20 $10
HMOP
30to$60050 to$1200
OS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
North Dakota
Aetna Value Plan InshyNetwork
4040
$25$40
40
20
50+
$10
50+50+
30to$60050 to$1200
No
Yes Aetna Value Plan OutshyNetwork
HealthPartners High Option
HealthPartners Standard Option
Sanford Heart of America Health Plan InshyNetwork
4040
$25$45
$0 for 3 then 20
$15$25
40
Nothing
20 in40 out
None
50+
$12
$9
50$600ded
50+50+
$45$90
$40$70
50$600 ded
No
Yes
Yes
None
647
647
893
893
875
875
951
951
92
92
911
911
725
725
Sanford Heart of America Health Plan OutshyNetwork
Sanford Health Plan InshyNetwork
2020
$20$30
20
$100day x 5
NA
$15
NA
$30$50
NA
NA 535 903 89 977 902 912 558 Sanford Health Plan OutshyNetwork
Sanford Health Plan InshyNetwork
4040
$25$25
40
$100day x 5
40+
$15
40+40+
$30$50
NA
NA 535 903 89 977 902 912 558 Sanford Health Plan OutshyNetwork
Ohio
Aetna Value Plan InshyNetwork
40+40+
$25$40
40+
20
40+
$10
40+40+
30to$60050 to$1200
NA
Yes Aetna Value Plan OutshyNetwork
AultCare HMOshyHigh
Humana Health Plan of OhioshyHigh
Humana Health Plan of OhioshyStandard
HealthSpan Integrated CareshyHigh
HealthSpan Integrated CareshyStandard
The Health Plan of the Upper Ohio ValleyshyHigh
Oklahoma
Aetna Value Plan InshyNetwork
4040
$15$20
$20$35
$25$40
$20$20
$30$40
$10$20
$25$40
40
$150
$250day x 3
$500day x 3
$250
$500
$250
20
50+
$15
$10
$10
$10
$15
$15
$10
50+50+
$30$40$55
$40$60
$40$60
$30$30
$40$40
$30$50
30to$60050 to$1200
No
No
Yes
Yes
Yes
Yes
Yes
Yes
877
788
788
744
922
845
845
909
907
889
889
876
941
922
922
951
944
935
935
929
935
906
906
944
853
708
708
745
Aetna Value Plan OutshyNetwork
Globalhealth IncshyHigh
4040
$15$45
40
$250dymx1000
50+
$4$10
50+50+
$45$70
No
Yes 592 816 839 916 893 872 727
47
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Oregon
Aetna Value Planshy Most of Oregon
Kaiser Foundation Health Plan of Northwest shyHighshy PortlandSalem areas
Kaiser Foundation Health Plan of Northwest shyStdshy PortlandSalem areas
Pennsylvania
Aetna Value Planshy All of Pennsylvania
Aetna Open Access shyHighshy Philadelphia
Aetna Open Access shyBasicshy Philadelphia
Aetna Open Access shyHighshy Pittsburgh and Western PA Areas
Geisinger Health Plan shyStdshy NortheasternCentralSouth Central areas
HealthAmerica Pennsylvania shyHighshy Greater Pittsburgh Area
UPMC Health Plan shyHighshy Western Pennsylvania
UPMC Health Plan shyStdshy Western Pennsylvania
Puerto Rico
Humana Health Plans of Puerto Rico Inc shyHighshy Puerto Rico
TripleshyS Salud Inc shyHighshy All of Puerto Rico
Rhode Island
Aetna Value Planshy All of Rhode Island
South Carolina
Aetna Value Planshy All of South Carolina
877shy459shy6604
800shy813shy2000
800shy813shy2000
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
800shy447shy4000
866shy351shy5946
888shy876shy2756
888shy876shy2756
800shy314shy3121
787shy774shy6060
877shy459shy6604
877shy459shy6604
H44 H45
571 572
574 575
H44 H45
P31 P32
P34 P35
YE1 YE2
GG4 GG5
261 262
8W1 8W2
UW4 UW5
ZJ1 ZJ2
891 892
EP4 EP5
JS4 JS5
13093 29732
22672 52645
13617 31283
13093 29732
64801 164359
49560 118027
19203 59806
16820 41884
17814 47183
22135 54101
13345 30692
8026 18317
8829 19866
12694 28827
17258 41140
53418 121307
66592 150412
55557 127637
53418 121307
109563 264361
94017 217102
63053 157716
60623 139436
61637 144841
66044 151897
54448 125225
32748 74733
36023 81052
51792 117616
61069 138677
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
48
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay
deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How
well
doctors
communicate
Customer
service
Claims
processing
Plan
Information
on
Costs
Oregon
Aetna Value Plan InshyNetwork $25$40 20 $10
HMOP
30to$60050 to$1200
OS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Kaiser Foundation HP of NorthwestshyHigh
Kaiser Foundation HP of NorthwestshyStandard
Pennsylvania
Aetna Value Plan InshyNetwork
4040
$20$30
$30$40
$25$40
40
$200
$500
20
50+
$15
$20
$10
50+50+
$40$60
$40$60
30to$60050 to$1200
No
Yes
Yes
Yes
768
768
844
844
847
847
916
916
927
927
89
89
683
683
Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Aetna Open AccessshyBasic
Aetna Open AccessshyHigh
Geisinger Health PlanshyStandard
HealthAmerica PennsylvaniashyHigh
UPMC Health PlanshyHigh
UPMC Health PlanshyStandard
Puerto Rico
Humana Health Plans of PR InshyNetwork
4040
$20$35
$15$35
$20$35
$20$35
$25$50
10 after Deduct
20 after Deduct
$5$5
40
$250day x 4
20 Plan Allow
$250day x 4
20aftrDeduct
15 after ded
10 after deduct
20after Deduct
None
50+
$10
$5
$10
30 $5$15
$5
$5 after ded
$5 after ded
$250
50+50+
$35$100
$35$100
$35$100
$35$60
$35$75
$35$75$100
$10$15
40 $40$120 50 $85$250
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
579
579
579
668
699
754
754
806
861
861
861
868
873
908
908
803
835
835
835
85
885
899
899
82
935
935
935
938
957
97
97
938
887
887
887
906
86
913
913
887
899
899
899
902
921
904
904
70
631
631
631
677
671
678
678
541 Humana Health Plans of PR OutshyNetwork $10$10 $50 NA NA
Greater of $15 or Yes
TripleshyS Salud Inc InshyNetwork TripleshyS Salud Inc OutshyNetwork
Rhode Island
Aetna Value Plan InshyNetwork
$750$10
$25$40
$750 amp 10 +$10 amp 10 +
None 10 +
20
$5 or $12 NA
$10
NA
2025 up to$100$175max
30to$60050 to$1200
Yes No
Yes
691 874 844 963 872 75 586
Aetna Value Plan OutshyNetwork
South Carolina
Aetna Value Plan InshyNetwork
4040
$25$40
40
20
50+
$10
50+50+
30to$60050 to$1200
No
Yes Aetna Value Plan OutshyNetwork 4040 40 50+ 50+50+ No
49
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of Your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
South Dakota
Aetna Value Planshy Rapid CitySioux Falls Area 877shy459shy6604
HealthPartners High Option shy Eastern South Dakota 800shy883shy2177
HealthPartners Standard Option shyEastern South Dakota 800shy883shy2177
Sanford Health Plan shyHighshy EasternCentralRapid City Areas 800shy752shy5863
Sanford Health Plan shyStdshy EasternCentralRapid City Areas 800shy752shy5863
Tennessee
Aetna Value Planshy Most of Tennessee 877shy459shy6604
Aetna Open Access shyHighshy Memphis Area 877shy459shy6604
Humana Health Plan Inc shyHighshy Knoxville 888shy393shy6765
Humana Health Plan Inc shyStdshy Knoxville 888shy393shy6765
G54 G55
V31 V32
V34 V35
AU1 AU2
AU4 AU5
F54 F55
UB1 UB2
GJ1 GJ2
GJ4 GJ5
12822 29119
26865 64982
8897 20464
26173 63455
23647 57594
13058 29656
24581 76516
15825 35210
12491 27794
52315 118808
70869 162996
36302 83494
70163 161438
67586 155460
53279 120995
68539 174761
59608 132629
50965 113400
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
50
Primary
Prescription Drugs
Member Survey Results
ded ation
care Hospital Mail
plan
Getting nee
care
How well
teica
r ng rm
Plan Name ndash Location Specialist office copay
per stay deductible Level I
Level II Level III
order discount
Overall
satisfaction
care
Getting
quickly
doctors
commun
Custome
service
Claims
processi
Plan Info
on Costs
South Dakota
Aetna Value Plan InshyNetwork $25$40 20 $10
HMOP
30to$60050 to$1200
OS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
HealthPartners High Option
HealthPartners Standard Option
Sanford Health Plan InshyNetwork
4040
$25$45
$0 for 3 then 20
$20$30
40
Nothing
20 in40 out
$100day x 5
50+
$12
$9
$15
50+50+
$45$90
$40$70
$30$50
No
Yes
Yes
NA
647
647
535
893
893
903
875
875
89
951
951
977
92
92
902
911
911
912
725
725
558 Sanford Health Plan OutshyNetwork
Sanford Health Plan InshyNetwork
4040
$25$25
40
$100day x 5
40+
$15
40+40+
$30$50
NA
NA
535
535 903 89 977 902 912 558 Sanford Health Plan OutshyNetwork
Tennessee
Aetna Value Plan InshyNetwork
40+40+
$25$40
40+
20
40+
$10
40+40+
30to$60050 to$1200
NA
Yes Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
4040
$20$35
$20$35
$25$40
40
$250day x 4
$250day x 3
$500day x 3
50+
$10
$10
$10
50+50+
$35$100
$40$60
$40$60
No
Yes
Yes
Yes
66 875 868 959 889 914 69
51
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Texas
Aetna Value Planshy All of Texas 877shy459shy6604
Aetna Whole Health shyBasicshy Houston Area 877shy459shy6604
Firstcare shyHighshy Waco area 800shy884shy4901
Firstcare shyHighshy West Texas 800shy884shy4901
Firstcare shyHighshy TaylorCallahanEastland 800shy884shy4901
Firstcare shyHighshy Lubbock area 800shy884shy4901
Firstcare shyHighshy BryanCollege Station Area 800shy884shy4901
Humana Value Plan shy Corpus Christi Area 888shy393shy6765
Humana Value Plan shy San Antonio Area 888shy393shy6765
Humana Value Plan shy Austin Area 888shy393shy6765
Humana Health Plan of Texas shyHighshy Houston 888shy393shy6765
Humana Health Plan of Texas shyStdshy Houston 888shy393shy6765
Humana Health Plan of Texas shyHighshy Corpus Christi 888shy393shy6765
Humana Health Plan of Texas shyStdshy Corpus Christi 888shy393shy6765
Humana Health Plan of Texas shyHighshy San Antonio 888shy393shy6765
Humana Health Plan of Texas shyStdshy San Antonio 888shy393shy6765
Humana Health Plan of Texas shyHighshy Austin 888shy393shy6765
Humana Health Plan of Texas shyStdshy Austin 888shy393shy6765
Scott amp White Health Plan shyStdshy Central TX amp Some SE and SW Counties 800shy321shy7947
UnitedHealthcare Benefits of Texas Inc shyHighshy San Antonio 866shy546shy0510
JS4 JS5
ES1 ES2
B71 B72
CK1 CK2
CN1 CN2
CZ1 CZ2
ET1 ET2
TP4 TP5
TU4 TU5
TV4 TV5
EW1 EW2
EW4 EW5
UC1 UC2
UC4 UC5
UR1 UR2
UR4 UR5
UU1 UU2
UU4 UU5
A84 A85
GF1 GF2
17258 41140
12817 40332
11057 37880
10809 34896
13391 65886
13031 61566
12638 56836
10247 22697
10247 22697
10247 22697
13880 30882
12491 27794
17899 39821
13880 30882
55020 122416
13880 30882
26524 59015
15825 35210
14907 37260
32515 78160
61069 138677
52295 137853
45113 135352
44103 132308
54635 163918
53169 159512
51562 154687
41809 92606
41809 92606
41809 92606
56629 125999
50965 113400
61723 137332
56629 126001
99587 221579
56629 126001
70521 156910
59608 132629
58671 134720
76632 176438
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
52
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How well
doctors
communicate
Customer
service
Claims
processing
Plan Inform
ation
on Costs
Texas
Aetna Value Plan InshyNetwork $25$40 20 $10
HMO
30to$60050 to$1200
POS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Aetna Whole Health InshyNetwork
4040
$5$25$35
40
15
50+
$5
50+50+
$35$60
No
Yes Aetna Whole Health OutshyNetwork
FirstcareshyHigh
FirstcareshyHigh
FirstcareshyHigh
FirstcareshyHigh
FirstcareshyHigh
Humana Value Plan InshyNetwork
4040
$30$55
$30$55
$30$55
$30$55
$30$55
$35$55
40
$250day x 5
$250day x 5
$250day x 5
$250day x 5
$250day x 5
20
40
$10
$10
$10
$10
$10
$10
4040
$35$70
$35$70
$35$70
$35$70
$35$70
$40$60
No
Yes
Yes
Yes
Yes
Yes
Yes Humana Value Plan OutshyNetwork
Humana Value Plan InshyNetwork
5050
$35$55
50
20
$10+
$10
$40+$60+
$40$60
No
Yes Humana Value Plan OutshyNetwork
Humana Value Plan InshyNetwork
5050
$35$55
50
20
$10+
$10
$40+$60+
$40$60
No
Yes Humana Value Plan OutshyNetwork
Humana Health Plan of TexasshyHigh
Humana Health Plan of TexasshyStandard
Humana Health Plan of TexasshyHigh
Humana Health Plan of TexasshyStandard
Humana Health Plan of TexasshyHigh
Humana Health Plan of TexasshyStandard
Humana Health Plan of TexasshyHigh
Humana Health Plan of TexasshyStandard
Scott amp White Health PlanshyStandard
UnitedHealthcare Benefits of Texas IncshyHigh
5050
$20$35
$25$40
$20$35
$25$40
$20$35
$25$40
$20$35
$25$40
$20$45
$20$40
50
$250day x 3
$500day x 3
$250day x 3
$500day x 3
$250day x 3
$500day x 3
$250day x 3
$500day x 3
10
$250day x 5
$10+
$10
$10
$10
$10
$10
$10
$10
$10
$5
$10
$40+$60+
$40$60
$40$60
$40$60
$40$60
$40$60
$40$60
$40$60
$40$60
$45$100
$35$60
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
63
63
702
835
835
862
764
764
863
931
931
937
864
864
875
856
856
87
673
673
569
53
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Utah
Aetna Value Planshy Most of Utah 877shy459shy6604
Altius Health Plans shyHighshy Wasatch Front 800shy377shy4161
Altius Health Plans shyStdshy Wasatch Front 800shy377shy4161
SelectHealth shyHighshy Urban and Suburban Utah 800shy538shy5038
SelectHealth shyStdshy Urban and Suburban Utah 800shy538shy5038
Vermont Aetna Value Planshy All of Vermont 877shy459shy6604
Virgin Islands
TripleshyS Salud Inc shyHighshy US Virgin Islands 800shy981shy3241
G54 G55
9K1 9K2
DK4 DK5
SF1 SF2
SF4 SF5
EP4 EP5
851 852
12822 29119
19819 42542
11798 25954
19210 43095
12435 27741
12694 28827
10305 23402
52315 118808
63682 140107
48136 105894
63060 140671
50737 113183
51792 117616
42043 95481
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
54
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How well
doctors
communicate
Customer
service
Claims
processing
Plan Inform
ation
on Costs
Utah
Aetna Value Plan InshyNetwork $25$40 20 $10
HMO
30to$60050 to$1200
POS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Altius Health PlansshyHigh
Altius Health PlansshyStandard
SelectHealthshyHigh
SelectHealthshyStandard
Vermont Aetna Value Plan InshyNetwork
4040
$20$30
$20$40
$15$25
$20$30
$25$40
40
$200
None
$100
$100 after
20
50+
$7
$7
$5$25$50
$5$25$50
$10
50+50+
$25$50
$35$60
$25$50$50
$25 $50$50
30to$60050 to$1200
No
No
None
Yes
Yes
Yes
552
552
629
629
852
852
876
876
813
813
851
851
948
948
958
958
883
883
912
912
895
895
903
903
588
588
64
64
Aetna Value Plan OutshyNetwork
Virgin Islands
4040 40 50+ 50+50+ No
Greater of $15 or TripleshyS Salud Inc InshyNetwork TripleshyS Salud Inc OutshyNetwork
$750$10 $750 amp 10 +$10 amp 10 +
None 10 +
$5 or $12 NA NA
2025 up to$100$175max
Yes No
691 874 844 963 872 75 586
55
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Virginia
Aetna Value Planshy Most of Virginia 877shy459shy6604
Aetna Open Access shyHighshy NorthernCentralRichmond Virginia Areas 877shy459shy6604
Aetna Open Access shyBasicshy NorthernCentralRichmond Virginia Areas 877shy459shy6604
Aetna Whole Health shyBasicshy Roanoke VA area 877shy459shy6604
Aetna Whole Health shyBasicshy Newport News VA area 877shy459shy6604
CareFirst BlueChoice shyHighshy Northern Virginia 888shy789shy9065
CareFirst BlueChoice shyStdshy Northern Virginia 888shy789shy9065
HealthKeepers Inc shyHighshy Virginia 855shy580shy1200
Kaiser Foundation Health Plan MidshyAtlantic States shyHighshy Northern VirginiaFredericksburg area 877shy574shy3337
Kaiser Foundation Health Plan MidshyAtlantic States shyStdshy Northern VirginiaFredericksburg area 877shy574shy3337
MD IPA shyHighshy Northern Viginia 877shy835shy9861
Optima Health Plan shyHighshy Hampton Roads and Richmond areas 800shy206shy1060
Optima Health Plan shyStdshy Hampton Roads and Richmond areas 800shy206shy1060
Piedmont Community Healthcare shyHighshy Lynchburg area 888shy674shy3368
Washington
Aetna Value Planshy Most of Washington 877shy459shy6604
Aetna Open Access shyHighshy Seattle and Spokane areas 877shy459shy6604
Group Health Cooperative shyHighshy Western WACentral WASpokanePullman 888shy901shy4636
Group Health Cooperative shyStdshy Western WACentral WASpokanePullman 888shy901shy4636
KPS Health Plans shyStdshy All of Washington 800shy552shy7114
KPS Health Plans shyHighshy All of Washington 800shy552shy7114
Kaiser Foundation Health Plan of Northwest shyHighshy VancouverLongview 800shy813shy2000
Kaiser Foundation Health Plan of Northwest shyStdshy VancouverLongview 800shy813shy2000
F54 F55
JN1 JN2
JN4 JN5
D91 D92
J91 J92
2G1 2G2
2G4 2G5
A91 A92
E31 E32
E34 E35
JP1 JP2
9R1 9R2
9R4 9R5
2C1 2C2
G54 G55
C31 C32
541 542
544 545
L11 L12
VT1 VT2
571 572
574 575
13058 29656
46867 105610
14021 31351
12138 40332
11280 29365
21177 48693
15284 35429
20427 47008
16926 42124
9646 22186
20245 50123
26858 69565
11269 26665
12235 28017
12822 29119
14933 62274
27070 55009
11742 26509
12426 26823
31651 67459
22672 52645
13617 31283
53279 120995
91271 204437
57208 127913
49524 137853
46023 119808
65067 146381
59056 132852
64302 144663
60731 139681
39358 90520
64116 147840
70861 167671
45977 108794
49920 114308
52315 118808
58698 160234
71078 152824
47908 108156
50700 109437
75750 165523
66592 150412
55557 127637
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
56
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How well
doctors
communicate
Customer
service
Claims
processing
Plan Inform
ation
on Costs
Virginia
Aetna Value Plan InshyNetwork Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Aetna Open AccessshyBasic
Aetna Whole Health InshyNetwork Aetna Whole Health OutshyNetwork
Aetna Whole Health InshyNetwork Aetna Whole Health OutshyNetwork
CareFirst BlueChoiceshyHigh
CareFirst BlueChoice InshyNetwork
$25$40 4040
$15$30
$20$35
$25$35 4040
$5$25$35 4040
$25$35
Nothing$35
20 40
$150day x3
10 Plan Allow
15 40
15 40
$200
$200
$10 50+
$5
$10
$5 40
$5 40
Nothing
Nothing
HMO
50+50+
$35$100
$35$100
$35$60 4040
$35$60 4040
$35$65
$35$65
30to$60050 to$1200
POS National
Yes No
Yes
Yes
Yes No
Yes No
Yes
Yes
Average
69
69
648
648
679
844
844
86
86
864
872
872
833
833
849
942
942
925
925
942
865
865
846
846
877
914
914
902
902
875
567
567
54
54
649
CareFirst BlueChoice OutshyNetwork
HealthKeepers IncshyHigh
Kaiser Foundation HP MidshyAtlantic StatesshyHigh
Kaiser Foundation HP MidshyAtlantic StatesshyStandard
MD IPAshyHigh
Optima Health PlanshyHigh
Optima Health PlanshyStandard
Piedmont Community HealthcareshyHigh
Washington
Aetna Value Plan InshyNetwork Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Group Health CooperativeshyHigh
Group Health CooperativeshyStandard
KPS Health Plans InshyNetwork KPS Health Plans OutshyNetwork
KPS Health Plans InshyNetwork KPS Health Plans OutshyNetwork
Kaiser Foundation HP of NorthwestshyHigh
Kaiser Foundation HP of NorthwestshyStandard
$70$70
$10$20
$20$30
$25$40
$25$30
$35$35
$25$40 4040
$20$35
$25$25
$25$35
$154 or 2020
$30$30 $30+40+diff
$20$30
$30$40
$0$3530NonshyNetwork
$20$0childlt22$30
$154+40+diff 40+diff
$500
$200 x3 days
$100
$250dayx3
$150day x 3
$150max$750
$20020
20
20 40
$250day x 4
$350
$500
Nothing Nothing
None None
$200
$500
Nothing
$0
$7$17 Net
$12$22Net
$7
$10
$10
$15
$10 50+
$10
$20
$20
$10 Not Covered
$5 Not Covered
$15
$20
$35$65
$30$50$50
$30$50$45$65
$35$55$50$70
$30$60
$40$55
50+50+
$35$100
$40$60
$40$60
Not Covered
NA
$40$60
$40$60
$353050up to $3000
$355050 up to $3000
$35$50 30day$100 90day
$25$50 30day$100 90day
30to$60050 to$1200
Yes
Yes
Yes
Yes
Yes
Yes
No
No
Yes No
Yes
Yes
Yes
Yes No
Yes No
Yes
Yes
83
83
583
692
692
659
659
798
798
768
768
867
867
846
864
864
86
86
94
94
844
844
833
831
831
876
886
886
869
869
928
928
847
847
927
927
937
969
969
941
941
957
957
916
916
813
813
867
87
87
912
912
931
931
927
927
836
836
841
916
916
881
881
897
897
89
89
702
702
677
674
674
692
692
65
65
683
683
57
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
West Virginia
Aetna Value Planshy Most of West Virginia 877shy459shy6604
The Health Plan of the Upper Ohio Valley shyHighshy NorthernCentral West Virginia 800shy624shy6961
Wisconsin
Aetna Value Planshy All of Wisconsin 877shy459shy6604
Aetna Whole Health shyBasicshy Milwaukee WI Area 877shy459shy6604
Dean Health Plan shyHighshy South Central Wisconsin 800shy279shy1301
Group Health Cooperative shyHighshy South Central Wisconsin 800shy605shy4327
HealthPartners High Option shy Western Wisconsin 800shy883shy2177
HealthPartners Standard Option shy Western Wisconsin 800shy883shy2177
MercyCare HMO shyHighshy South Central Wisconsin 800shy895shy2421
Physicians Plus shyHighshy All of WI 800shy545shy5015
Wyoming
Aetna Value Plan shyBasicshy All of Wyoming 877shy459shy6604
Altius Health Plans shyHighshy Uinta County 800shy377shy4161
Altius Health Plans shyStdshy Uinta County 800shy377shy4161
F54 F55
U41 U42
JS4 JS5
F71 F72
WD1 WD2
WJ1 WJ2
V31 V32
V34 V35
EY1 EY2
LW1 LW2
H44 H45
9K1 9K2
DK4 DK5
13058 29656
26271 60855
17258 41140
10600 29208
24382 72670
15910 51534
26865 64982
8897 20464
14597 48275
16556 55954
13093 29732
19819 42542
11798 25954
53279 120995
70263 158786
61069 138677
43250 119170
68336 170838
59694 149279
70869 162996
36302 83494
58355 145955
60353 153787
53418 121307
63682 140107
48136 105894
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
58
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Claims
processing
Getting needed
care
Getting care
quickly
How well
doctors
communicate
Customer
service
Plan Inform
ation
on Costs
West Virginia
Aetna Value Plan InshyNetwork Aetna Value Plan OutshyNetwork
The Health Plan of the Upper Ohio ValleyshyHigh
Wisconsin
Aetna Value Plan InshyNetwork Aetna Value Plan OutshyNetwork
Aetna Whole Health InshyNetwork Aetna Whole Health OutshyNetwork
Dean Health PlanshyHigh
Group Health CooperativeshyHigh
HealthPartners High Option
HealthPartners Standard Option
MercyCare HMOshyHigh
Physicians PlusshyHigh
Wyoming
Aetna Value Plan InshyNetwork Aetna Value Plan OutshyNetwork
Altius Health PlansshyHigh
Altius Health PlansshyStandard
$25$40 4040
$10$20
$25$40 4040
$25$35 4040
$25$25
$10$10
$25$45
$0 for 3 then 20
$10$10
$10$10
$25$40 4040
$20$30
$20$40
20 40
$250
20 40
15 40
None
None
Nothing
20 in40 out
Nothing
Nothing
20 40
$200
None
$10 Yes 50+ 50+50+ No
$15 $30$50 Yes
$10 Yes 50+ 50+50+ No
$5 $35$60 Yes 40 4040 No
$10 Yes
$5 $20$20 Yes
$12 $45$90 Yes
$9 $40$70 Yes
$10 $20$50 Yes
$10 3050 No
$10 Yes 50+ 50+50+ No
$7 $25$50 No
$7 $35$60 None
HMOPOS National Average
30$75max 50 wmin$50
30to$60050 to$1200
30to$60050 to$1200
30to$60050 to$1200
744
682
785
647
647
784
601
552
552
679
909 876 951 929 944
909 90 97 834 879
834 834 953 929 932
893 875 951 92 911
893 875 951 92 911
888 854 938 888 87
857 822 96 863 866
852 813 948 883 895
852 813 948 883 895
864 849 942 877 875
745
588
718
725
725
684
686
588
588
649
59
Appendix E FEHB Plan Comparison Charts
High Deductible and ConsumershyDriven Health Plans With a Health Savings Account or Health Reimbursement Arrangement
(Pages 64 through 83)
A High Deductible Health Plan (HDHP) provides comprehensive coverage for highshycost medical events and a taxshyadvantaged way to help you build savings for future medical expenses The HDHP gives you greater flexibility and discretion over how you use your health care benefits
When you enroll your health plan establishes for you either a Health Savings Account (HSA) or a Health Reimbursement Arrangement (HRA) The plan automatically deposits the monthly ldquopremium pass throughrdquo into your HSA The plan credits an amount into the HRA (This is the ldquoPremium Contribution to HSAHRArdquo column in the following charts)
Preventive care is covered in full As you receive other nonshypreventive medical care you must meet the plan deductible before the health plan pays benefits You can choose to pay your deductible with funds from your HSA or you can choose instead to pay for your deductible outshyofshypocket allowing your savings to continue to grow
The HDHP features higher annual deductibles (a minimum of $1250 for Self Only and $2500 for Self and Family coverage) and annual outshyofshypocket limits (not to exceed $6350 for Self Only and $12700 for Self and Family coverage) than other insurance plans Depending on the HDHP you choose you may have the choice of using InshyNetwork and OutshyofshyNetwork providers There may be higher deductibles and outshyofshypocket limits when you use OutshyofshyNetwork providers Using InshyNetwork providers will save you money
Health Savings Account (HSA)
A Health Savings Account allows individuals to pay for current health expenses and save for future qualified medical expenses on a preshytax basis Funds deposited into an HSA are not taxed the balance in the HSA grows tax free and that amount is available on a tax free basis to pay medical costs You are eligible for an HSA if you are enrolled in an HDHP not covered by any other health plan that is not an HDHP (including a spousersquos health plan but does not include specific injury insurance and accident disability dental care vision care or longshyterm coverage) not enrolled in Medicare not received VA benefits or IHS benefits within the last three months not covered by your own or your spousersquos flexible spending account (FSA) and are not claimed as a dependent on someone elsersquos tax return If you are enrolled in a High Deductible Health Plan with an HSA you may not participate in a Health Care Flexible Spending Account (HCFSA) but you are permitted to participate in a Limited Expense (LEX) HCFSA HSAs are subject to a number of rules and limitations established by the Department of the Treasury
Visit wwwtreasurygovresourceshycenterfaqstaxespageshealthshysavingsshyaccountsaspx for more information The 2014 maximum contribution limits are $3300 for Self Only coverage and $6550 for Self and Family coverage If you are over 55 you can make an additional ldquocatch uprdquo contribution You can use funds in your account to help pay your health plan deductible
60
Appendix E FEHB Plan Comparison Charts
High Deductible and ConsumershyDriven Health Plans With a Health Savings Account or Health Reimbursement Arrangement
Features of an HSA include
bull Taxshydeductible deposits you make to the HSA Your own HSA contributions are either taxshydeductible or preshytax (if made by payroll deduction) See IRS Publication 969
bull Taxshydeferred interest earned on the account
bull Taxshyfree withdrawals for qualified medical expenses
bull Carryover of unused funds and interest from year to year
bull Portability the account is owned by you and is yours to keep ndash even when you retire leave government service or change plans
Health Reimbursement Arrangement (HRA)
Health Reimbursement Arrangements are a common feature of ConsumershyDriven Health Plans They may be referred to by the health plan under a different name such as personal care account They are also available to enrollees in High Deductible Health Plans who are not eligible for an HSA HRAs are similar to HSAs except
bull An enrollee cannot make deposits into an HRA
bull A health plan may impose a ceiling on the value of an HRA
bull Interest is not earned on an HRA and
bull The amount in an HRA is not transferable if the enrollee leaves the health plan
If you are enrolled in a High Deductible Health Plan with an HRA you may participate in a Health Care Flexible Spending Account (HCFSA)
The plan will credit the HRA different amounts depending on whether you have a Self Only or a Self and Family enrollment You can use funds in your account to help pay your health plan deductible
Features of an HRA include
bull Taxshyfree withdrawals for qualified medical expenses bull Carryover of unused credits from year to year bull Credits in an HRA do not earn interest bull Credits in the HRA are forfeited if you leave federal employment or switch health insurance plans
Please note that the premium rates provided are the maximum amount you are expected to pay for your premium Your tribal employer may choose to pay a higher portion of your premium Please check with your tribal employer for exact rates
61
Appendix E FEHB Plan Comparison Charts
High Deductible and ConsumershyDriven Health Plans With a Health Savings Account or Health Reimbursement Arrangement
ELIGIBILITY
FUNDING
Health Savings Account (HSA)
You must enroll in a High Deductible Health Plan (HDHP) No other general medical insurance coverage is permitted You cannot be enrolled in Medicare Part A or Part B You cannot be claimed as a dependent on someone elsersquos tax returns
The plan deposits a monthly ldquopremium pass throughrdquo into your account
Health Reimbursement Arrangement (HRA)
You must enroll in a High Deductible Health Plan (HDHP)
The plan deposits the credit amount directly into your account
CONTRIBUTIONS
DISTRIBUTIONS
The maximum allowed is a combination of the health plan ldquopremium pass throughrdquo and the member contribution up to the maximum contribution amount set by the IRS each year
May be used to pay the outshyofshypocket medical expenses for yourself your spouse or your dependents (even if they are not covered by the HDHP) or to pay the planrsquos deductible
See IRS Publication 502 for a complete list of eligible expenses
Only that portion of the premium specified by the health plan will be contributed You cannot add your own money to an HRA
May be used to pay the outshyofshypocket expenses for qualified medical expenses for individuals covered under the HDHP or to pay the planrsquos deductible
See IRS Publication 502 for a complete list of eligible expenses
ANNUAL ROLLOVER
PORTABLE Yes you can take this account with you when you change plans separate from service or retire
Yes funds accumulate without a maximum cap
If you retire and remain in your HDHP you may continue to use and accumulate credits in your HRA
If you terminate employment or change health plans only eligible expenses incurred while covered under that HDHP will be eligible for reimbursement subject to timely filing requirements Unused credits are forfeited
Yes credits accumulate without a maximum cap
IMPORTANT REMINDER This is only a summary of the features of the HDHPHSA or HRA Refer to the specific Plan brochure for the complete details covering Plan design operation and administration as each Plan will have differences
62
Appendix E FEHB Plan Comparison Charts
High Deductible and ConsumershyDriven Health Plans With a Health Savings Account or Health Reimbursement Arrangement
The tables on the following pages highlight selected features that may help you narrow your choice of health plans The tables do not show all of your possible outshyofshypocket costs All benefits are subject to the definitions limitations and exclusions set forth in each planrsquos Federal brochure which is the official statement of benefits available under the planrsquos contract with the Office of Personnel Management Always consult plan brochures before making your final decision
A ConsumershyDriven plan provides you with freedom in spending health care dollars the way you want The typical plan has features such as member responsibility for certain upshyfront medical costs an employershyfunded account that you may use to pay these upshyfront costs and catastrophic coverage with a high deductible You and your family receive full coverage for InshyNetwork preventive care
63
Appendix E FEHB Plan Comparison Charts
High Deductible and ConsumershyDriven Health Plans With a Health Savings Account or Health Reimbursement Arrangement
The tables on the following pages highlight what you are expected to pay for selected features under each plan The charts are not a complete statement of your outshyofshypocket obligations in every individual circumstance Unlike many regular medical plans the covered outshyofshypocket expenses under a High Deductible Health Plan including office visit copayments and prescription drug copayments count toward the calendar year deductible and the catastrophic limit You must read the planrsquos brochure for details
Premium Contribution (pass through) to HSAHRA (or personal care account) shows the amount your health plan automatically deposits or credits into your account on a monthly basis for Self OnlySelf and Family enrollments (ConsumershyDriven Health Plans credit accounts annually) The amount credited under ldquoPremium Contributionrdquo is shown as a monthly amount for comparison purposes only
Calendar Year (CY) Deductible SelfFamily is the maximum amount of covered expenses an individual or family must pay outshyofshypocket including deductibles coinsurance and copayments before the plan pays catastrophic benefits
Catastrophic (Cat) Limit SelfFamily is the maximum amount of covered expenses an individual or family must pay outshyofshypocket including deductibles and coinsurance and copays before the Plan pays catastrophic benefits
Office Visit shows what you pay for a visit to a primary care physician after the deductible is met for other than preventive care
Inpatient Hospital shows what you pay after the deductible is met for hospital services when an inpatient The amount could be a daily copayment up to a specified amount (eg $50 a day up to three days) a coinsurance amount such as 20 or a flat deductible amount (eg $200 per admission) This amount does not include charges from physicians or for services that may not be charged by the hospital such as laboratory or radiology
Your Maximum Monthly Premium is the maximum amount you will pay for your premium Your tribal employer may choose to pay a higher portion of your premium Check with your tribal employer for exact rates
Temporary Continuation of Coverage (TCC) allows former tribal employees and formerly eligible family members to continue their FEHB coverage for a limited period Under TCC you pay the total monthly premium (enrolleersquos share plus the tribal employerrsquos share) plus a 2 administrative charge which equals 102 of Your Total Monthly Premium
Plan Name Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
APWU Health Plan shyCDHPshy Nationwide
GEHA High Deductible Health Plan shyHDHPshy Nationwide
MHBP shy Consumer Option shyHDHPshy Nationwide
NALC shyCDHPshy Nationwide
800shy718shy1299
800shy821shy6136
800shy694shy9901
888shy636shy6252
474 475
341 342
481 482
324 325
9742 21915
11021 25172
13642 30912
10454 22700
39747 89414
44967 102703
55661 126120
42653 92617
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
64
Appendix E FEHB Plan Comparison Charts
High Deductible and ConsumershyDriven Health Plans With a Health Savings Account or Health Reimbursement Arrangement
20 or a flat deductible amount (eg $200 per admission) This amount does not include charges from physicians or for services that may not be charged by the hospital such as laboratory or radiology
Outpatient Surgery shows what you pay the doctor for surgery performed on an outpatient basis
Preventive Services are often covered in full usually with no or only a small deductible or copayment Preventive services may also be payable up to an annual maximum dollar amount (eg up to $300 per person per year)
Prescription Drug Payment Levels Plans use terms such as Level (L I L II) or Tier (T1 T2) to show what you pay for generic or brand name prescription drugs The payment levels that plans use follow L I or Tier 1 includes generic drugs but may include some preferred brands L II or Tier 2 includes preferred brands and may include some generics L III or Tier 3 includes nonshypreferred brands other covered drugs and with some exceptions specialty drugs L IV or Tier 4 includes mostly preferred specialty drugs L V or Tier 5 generally includes nonshypreferred specialty drugs
High Deductible Health Plans and Consumer shy Driven Health Plans are much different from the other types of plans shown in this Guide You can use inshynetwork providers to save money If you use outshyofshynetwork providers however you not only pay more of the costs but you are also usually responsible for any difference between the amount billed for a service and what the plan actually allows (For example you receive a bill from an outshyofshynetwork provider for $100 but the plan allows $85 for the service You pay the higher copayment for outshyofshynetwork care plus the $15 difference between $100 ndash the billed amount ndash and the planrsquos allowance of $85) In addition the difference you pay between the billed amount and the planrsquos allowance does not count toward satisfying the catastrophic limit
Plan Name Benefit Premium CY Ded Cat Limit Office Inpatient Outpatient Preventive Prescription Type Contribution SelfFamily SelfFamily Visit Hospital Surgery Services Drugs
SelfFamily Levels I II III
APWU Health Plan InshyNetwork $1200$2400 $600$1200 $3000$4500 15 None 15 Nothing 252525 APWU Health Plan OutshyNetwork $1200$2400 $600$1200 $9000$9000 40+diff None 40+diff Nothing up to $1200 Not CoveredNANA
GEHA HDHP InshyNetwork $6250$125 $1500$3000 $5000$10000 5 5 5 Nothing 252525 GEHA HDHP OutshyNetWork $6250$125 $1500$3000 $5000$10000 25 25 25 Ded25 25+25+25+
MHBP shy Consumer Option InshyNetwork $70$141 $2000$4000 $5000$10000 $15 $75 dayshy$750 Nothing Nothing $10$25$40 MHBP shy Consumer Option OutshyNetWork $70$141 $2000$4000 $7500$15000 40 40 40 Not Covered Not Covered
NALC InshyNetwork $1200$2400 $2000$4000 $4000$8000 20 20 20 Nothing $10$40$60 NALC OutshyNetwork $1200$2400 $4000$8000 $8000$16000 50 50 50 50 505050+
65
High Deductible Health Plans and ConsumershyDriven Health Plan Member Survey Results
Member Survey results are collected scored and reported by an independent organization ndash not by the health plans See Appendix D for a fuller explanation of each survey category
Overall Plan Satisfaction bull How would you rate your overall experience with your health plan
Getting Needed Care bull How often was it easy to get an appointment the care tests or treatment you thought you needed through your health plan
Getting Care Quickly bull When you needed care right away how often did you get care as soon as you thought you needed bull Not counting the times you needed care right away how often did you get an appointment at a doctorrsquos office or clinic
as soon as you thought you needed
How Well Doctors bull How often did your personal doctor explain things in a way that was easy to understand Communicate bull How often did your personal doctor listen carefully to you show respect for what you had to say and spend enough time with you
Customer Service bull How often did written materials or the Internet provide the information you needed about how your health plan works bull How often did your health planrsquos customer service give you the information or help you needed bull How often were the forms from your health plan easy to fill out
Claims Processing bull How often did your health plan handle your claims quickly and correctly
Plan Information on Costs bull How often were you able to find out from your health plan how much you would have to pay for a health care service or equipment or for specific prescription drug medicines
Aetna HealthFund shy Nationwide 22
GEHA High Deductible Health Plan shy Nationwide 34
Mail Handlers Benefit Plan Consumer Option shy Nationwide 48
Aetna HealthFund shy Nationwide 22
APWU Health Plan shy Nationwide 47
Humana CoverageFirst shy TX TP TU TV
Humana Coverage First shy IN MW
High Deductible Health Plans Plan Name
Plan Code
ConsumershyDriven Health Plans Plan Name
Plan Code
HDHP National Average
CDHP National Average
614
606
623
614
579
606
664
566
478
Overall plan satisfaction
Overall plan satisfaction
885 866 929 860
891 888 952 830
873 851 923 863
891 859 912 887
881 865 939 850
891 888 952 830
909 907 925 871
849 864 932 843
875 801 948 856
Getting needed care
Getting care quickly
How well doctors
communicate Customer service
Member Survey Results
Getting needed care
Getting care quickly
How well doctors
communicate Customer service
876
879
865
885
847
879
845
853
812
Claims processing
Claims processing
585
563
602
590
585
563
680
542
555
Plan Information on Costs
Plan Information on Costs
66
The tables on the following pages highlight selected features that may help you narrow your choice of health plans The tables do not show all of your possible outshyofshypocket costs All benefits are subject to the definitions limitations and exclusions set forth in each planrsquos Federal brochure which is the official statement of benefits available under the planrsquos contract with the Office of Personnel Management Always consult plan brochures before making your final decision
67
High Deductible and ConsumershyDriven Health Plans See pages 64shy65 for an explanation of the columns on these pages
Plan Name
Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Aetna HealthFund shyHDHPshy All 50 States and DC 877shy459shy6604 224 225 11856 25965 48372 105938
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Alabama
Aetna HealthFund shyCDHPshy Most of Alabama
Alaska
Aetna HealthFund shyCDHPshy Most of Alaska
Arizona
Aetna HealthFund shyCDHPshy All of Arizona
Arkansas
Aetna HealthFund shyCDHPshy Most of Arkansas
California
Aetna HealthFund shyCDHPshy Most of California
Colorado
Aetna HealthFund shyCDHPshy All of Colorado
Plan Name
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
Telephone Number
Enrollment Code
F51
JS1
G51
F51
JS1
G51
Self only
F52
JS2
G52
F52
JS2
G52
Self amp family
16322
22787
21977
16322
22787
21977
Self only
39021
53701
51861
39021
53701
51861
Self amp family
60115
66709
65883
60115
66709
65883
Self only
136516
151489
149613
136516
151489
149613
Self amp family
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
68
Plan Name
Benefit Type
Premium Contribution to HSAHRA
CY Ded SelfFamily
Cat Limit SelfFamily
Office Visit
Inpatient Hospital
Outpatient Surgery
Preventive Services
Prescription Drugs
Levels I II III
Aetna HealthFund HDHP InshyNetwork $6250$125 $1500$3000 $4000$8000 10 10 10 Nothing $10$35$60 Aetna HealthFund HDHP OutshyNetWork $6250$125 $2500$5000 $5000$10000 30 30 30 Ded30 30+30+30+
Premium Benefit CY Ded Cat Limit Office Inpatient Outpatient Preventive Prescription Contribution Type SelfFamily SelfFamily Visit Hospital Surgery Services Drugs to HSAHRA Levels I II III Plan Name
Alabama
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Alaska
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed4040+40+40+
Arizona
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Arkansas
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
California
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Colorado
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
69
High Deductible and ConsumershyDriven Health Plans See pages 64shy65 for an explanation of the columns on these pages
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Connecticut
Aetna HealthFund shyCDHPshy All of Connecticut
Delaware
Aetna HealthFund shyCDHPshy All of Delaware
District of Columbia
Aetna HealthFund shyCDHPshy All of Washington DC
CareFirst BlueChoice shyHDHPshy Washington DC Metro Area
Florida
Aetna HealthFund shyCDHPshy Most of Florida
Coventry Health Plan of Florida shyHDHPshy Southern Florida
Humana CoverageFirst shyCDHPshy Tampa Area
Humana CoverageFirst shyCDHPshy South Florida Area
Georgia
Aetna HealthFund shyCDHPshy All of Georgia
Humana CoverageFirst shyCDHPshy Atlanta Area
Humana CoverageFirst shyCDHPshy Macon Area
Guam
TakeCare shyHDHPshy GuamN Mariana IslandsBelau (Palau)
Plan Name
877shy459shy6604
877shy459shy6604
877shy459shy6604
888shy789shy9065
877shy459shy6604
800shy441shy5501
888shy393shy6765
888shy393shy6765
877shy459shy6604
888shy393shy6765
888shy393shy6765
671shy647shy3526
Telephone Number
Enrollment Code
EP1
EP1
F51
B61
F51
J41
MJ1
QP1
F51
AD1
LM1
KX1
Self only
EP2
EP2
F52
B62
F52
J42
MJ2
QP2
F52
AD2
LM2
KX2
Self amp family
20174
20174
16322
14018
16322
13979
12818
10987
16322
11598
12208
6822
Self only
47770
47770
39021
31268
39021
43929
28521
24447
39021
25804
27163
17900
Self amp family
64044
64044
60115
57192
60115
57033
52297
44828
60115
47321
49809
27833
Self only
145440
145440
136516
127574
136516
141522
116366
99744
136516
105282
110827
73032
Self amp family
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
70
Premium Benefit CY Ded Cat Limit Office Inpatient Outpatient Preventive Prescription Contribution Type SelfFamily SelfFamily Visit Hospital Surgery Services Drugs to HSAHRA Levels I II III Plan Name
Connecticut
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Delaware
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
District of Columbia
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
CareFirst BlueChoice InshyNetwork $3750$7500 $1500$3000 $4000$8000 Nothing $300 Nothing Nothing Nothing$30$60 CareFirst BlueChoice OutshyNetWork $3750$7500 $3000$6000 $6000$12000 $70 $500 $70 Nothing Nothing$30$60
Florida
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Coventry Health Plan of Florida $8334$16667 $2500$5000 $5000$10000 $10 Ded+20 Ded+20 Nothing $5$35$5020
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst outshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst outshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Georgia
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst outshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst outshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Guam
TakeCare InshyNetwork $8666$22208 $3000$6000 $5000$10000 20 after Ded 20 after Ded 20 after Ded Nothing $20$40$150 30 after Ded30 after Ded TakeCare OutshyNetWork $8666$22208 $3000$6000 $10000$20000 30 after Ded 30 after Ded 30 after Ded 1st $300ded 30 after Ded
71
High Deductible and ConsumershyDriven Health Plans See pages 64shy65 for an explanation of the columns on these pages
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Hawaii Aetna HealthFund shyCDHPshy All of Hawaii
Idaho
Aetna HealthFund shyCDHPshy Most of Idaho
Altius Health Plans shyHDHPshy Southern Region
Illinois
Aetna HealthFund shyCDHPshy Most of Illinois
Humana CoverageFirst shyCDHPshy Central Illinois
Humana CoverageFirst shyCDHPshy Chicago Area
Indiana
Aetna HealthFund shyCDHPshy All of Indiana
Humana CoverageFirst shyCDHPshy LakePorterLaPorte Counties
Iowa
Aetna HealthFund shyCDHPshy All of Iowa
Coventry Health Care of Iowa shyHDHPshy CentralEasternWestern Iowa
Kansas
Aetna HealthFund shyCDHPshy Most of Kansas
Coventry Health Care of Iowa shyHDHPshy CentralEasternWestern Iowa
Humana CoverageFirst shyCDHPshy Kansas City Area
Plan Name
877shy459shy6604
877shy459shy6604
800shy377shy4161
877shy459shy6604
888shy393shy6765
888shy393shy6765
877shy459shy6604
888shy393shy6765
877shy459shy6604
800shy257shy4692
877shy459shy6604
800shy969shy3343
888shy393shy6765
Telephone Number
Enrollment Code
JS1
H41
9K4
H41
GB1
MW1
JS1
MW1
H41
SV4
G51
9H1
PH1
Self only
JS2
H42
9K5
H42
GB2
MW2
JS2
MW2
H42
SV5
G52
9H2
PH2
Self amp family
22787
16237
8704
16237
12208
12208
22787
12208
16237
8970
21977
12747
10987
Self only
53701
38826
18033
38826
27163
27162
53701
27162
38826
21408
51861
29956
24447
Self amp family
66709
60028
35514
60028
49809
49809
66709
49809
60028
36598
65883
52008
44828
Self only
151489
13631
73576
136317
110827
110823
151489
110823
136317
87344
149613
122219
99744
Self amp family
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
72
Premium Benefit CY Ded Cat Limit Office Inpatient Outpatient Preventive Prescription Contribution Type SelfFamily SelfFamily Visit Hospital Surgery Services Drugs to HSAHRA Levels I II III Plan Name
Hawaii Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Idaho
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Altius Health Plans $4583$9166 $1250$2500 $5000$10000 $20 10 10 Nothing $7$25$50
Illinois
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirs outshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst outshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Indiana
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst outshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Iowa
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Coventry Health Care of Iowa $8333$16666 $2100$4200 $5000$10000 $25 15 45 Nothing $3 $10$45$70
Kansas
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Coventry Health Care of Kansas (Kansas City)shyHDHP $6666$13333 $2500$5000 $4000$8000 20 20 20 Nothing 202020
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst outshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
73
High Deductible and ConsumershyDriven Health Plans See pages 64shy65 for an explanation of the columns on these pages
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Kentucky
Aetna HealthFund shyCDHPshy Most of Kentucky
Humana CoverageFirst shyCDHPshy Lexington Area
Louisiana
Aetna HealthFund shyCDHPshy Most of Louisiana
Maine
Aetna HealthFund shyCDHPshy All of Maine
Maryland
Aetna HealthFund shyCDHPshy All of Maryland
CareFirst BlueChoice shyHDHPshy All of Maryland
Coventry Health Care HDHP shy All of Maryland
Massachusetts
Aetna HealthFund shyCDHPshy Most of Massachusetts
Michigan
Aetna HealthFund shyCDHPshy All of Michigan
Minnesota
Aetna HealthFund shyCDHPshy Most of Minnesota
Mississippi Aetna HealthFund shyCDHPshy Most of Mississippi
Plan Name
877shy459shy6604
888shy393shy6765
877shy459shy6604
877shy459shy6604
877shy459shy6604
888shy789shy9065
800shy833shy7423
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
Telephone Number
Enrollment Code
H41
6N1
F51
EP1
F51
B61
GZ1
EP1
G51
H41
H41
Self only
H42
6N2
F52
EP2
F52
B62
GZ2
EP2
G52
H42
H42
Self amp family
16237
10987
16322
20174
16322
14018
11980
20174
21977
16237
16237
Self only
38826
24447
39021
47770
39021
31268
26835
47770
51861
38826
38826
Self amp family
60028
44828
60115
64044
60115
57192
48880
64044
65883
60028
60028
Self only
136317
99744
136516
145440
136516
127574
109488
145440
149613
136317
136317
Self amp family
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
74
Premium Benefit CY Ded Cat Limit Office Inpatient Outpatient Preventive Prescription Contribution Type SelfFamily SelfFamily Visit Hospital Surgery Services Drugs to HSAHRA Levels I II III Plan Name
Kentucky
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst outshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Louisiana
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Maine
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Maryland
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
CareFirst BlueChoice InshyNetwork $3750$7500 $1500$3000 $4000$8000 Nothing $300 Nothing Nothing Nothing$30$60 CareFirst BlueChoice
Coventry Health Care HDHP
OutshyNetWork
InshyNetwork
$3750$7500
$4167$8334
$3000$6000
$2000$4000
$6000$12000
$4000$8000
$70
Nothing
$500
Nothing
$70
Nothing
Nothing
Nothing
Nothing$30$60
$3$15$30$60 Coventry Health Care HDHP OutshyNetWork $4167$8334 $2000$4000 $4000$8000 30 30 30 30 NA
Massachusetts
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Michigan
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Minnesota
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Mississippi Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
75
High Deductible and ConsumershyDriven Health Plans See pages 64shy65 for an explanation of the columns on these pages
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Missouri Aetna HealthFund shyCDHPshy Most of Missouri
Humana CoverageFirst shyCDHPshy Kansas City Area
Montana
Aetna HealthFund CDHP shy SouthSoutheastWestern MT Areas
Nebraska
Aetna HealthFund shyCDHPshy All of Nebraska
Nevada
Aetna HealthFund shyCDHPshy Las Vegas Area
New Hampshire
Aetna HealthFund shyCDHPshy All of New Hampshire
New Jersey
Aetna HealthFund shyCDHPshy All of New Jersey
New Mexico
Aetna HealthFund shyCDHPshy AlbuquerqueDona AnaHobbs Area
New York
Aetna HealthFund shyCDHPshy Most of New York
Independent Health Assoc shyHDHPshy Western New York
Plan Name
Coventry Health Care of Kansas (Kansas City)shyHDHP Kansas City Metro Area (KS and MO)
877shy459shy6604
800shy969shy3343
888shy393shy6765
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
800shy501shy3439
Telephone Number
Enrollment Code
G51
9H1
PH1
H41
H41
G51
EP1
EP1
G51
EP1
QA4
Self only
G52
9H2
PH2
H42
H42
G52
EP2
EP2
G52
EP2
QA5
Self amp family
21977
12747
10987
16237
16237
21977
20174
20174
21977
20174
9575
Self only
51861
29956
24447
38826
38826
51861
47770
47770
51861
47770
24919
Self amp family
65883
52008
44828
60028
60028
65883
64044
64044
65883
64044
39066
Self only
149613
122219
99744
136317
136317
149613
145440
145440
149613
145440
101669
Self amp family
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
76
Premium Benefit CY Ded Cat Limit Office Inpatient Outpatient Preventive Prescription Contribution Type SelfFamily SelfFamily Visit Hospital Surgery Services Drugs to HSAHRA Levels I II III Plan Name
Missouri Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Coventry Health Care of Kansas (Kansas City)shyHDHP $8333$16666 $2500$5000 $3500$7000 20 20 20 Nothing 202020
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst OutshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Montana
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Nebraska
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Nevada
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
New Hampshire
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
New Jersey
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
New Mexico
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
New York
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Independent Health Assoc InshyNetwork $6642$16667 $2000$4000 $5000$10000 $15 Nothing 20 Nothing $7$25$40 Independent Health Assoc OutshyNetWork $6642$16667 $2000$4000 $5000$10000 40 40 40 Nothing NA
77
High Deductible and ConsumershyDriven Health Plans See pages 64shy65 for an explanation of the columns on these pages
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
North Carolina
Aetna HealthFund shyCDHPshy All of North Carolina
North Dakota
Aetna HealthFund shyCDHPshy Most of North Dakota
Ohio Aetna HealthFund shyCDHPshy All of Ohio
AultCare HMO shyHDHPshy StarkCarrollHolmesTuscarawasWayne Co
Oklahoma Aetna HealthFund shyCDHPshy All of Oklahoma
Oregon Aetna HealthFund shyCDHPshy Most of Oregon
Pennsylvania
Aetna HealthFund shyCDHPshy All of Pennsylvania
HealthAmerica Pennsylvania shy HDHP shy Greater Pittsburgh Area
UPMC Health Plan shyHDHPshy Western Pennsylvania
Rhode Island
Aetna HealthFund shyCDHPshy All of Rhode Island
South Carolina
Aetna HealthFund shyCDHPshy All of South Carolina
Plan Name
877shy459shy6604
877shy459shy6604
877shy459shy6604
330shy363shy6360
877shy459shy6604
877shy459shy6604
877shy459shy6604
866shy351shy5946
888shy876shy2756
877shy459shy6604
877shy459shy6604
Telephone Number
Enrollment Code
F51
H41
JS1
3A4
JS1
H41
H41
Y61
8W4
EP1
JS1
Self only
F52
H42
JS2
3A5
JS2
H42
H42
Y62
8W5
EP2
JS2
Self amp family
16322
16237
22787
8669
22787
16237
16237
12298
12448
20174
22787
Self only
39021
38826
53701
17501
53701
38826
38826
28345
28053
47770
53701
Self amp family
60115
60028
66709
35369
66709
60028
60028
50178
50788
64044
66709
Self only
136516
136317
151489
71405
151489
136317
136317
115650
114458
145440
151489
Self amp family
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
78
North Carolina
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
North Dakota
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Ohio Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
AultCare HMO InshyNetwork $8333$16666 $2000$4000 $4000$8000 20 20 20 Nothing 202020 AultCare HMO OutshyNetWork $8333$16666 $4000$8000 $8000$16000 40 UCR 40 UCR 40 UCR 50 UCR
Oklahoma Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Oregon Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Pennsylvania
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
HealthAmerica Pennsylvania shy HDHP $6250$125 $1500$3000 $4000$8000 $15 Nothing Nothing Nothing $5$35$50
UPMC Health Plan InshyNetwork $8333$$16667 $2000$4000 $3000$6000 10after deduct Nothing UPMC Health Plan OutshyNetWork $8333$16667 $2000$4000 $6000$12000 30after deduct 30 NA
Rhode Island
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
South Carolina
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Plan Name
Premium Contribution to HSAHRA
CY Ded SelfFamily
Cat Limit SelfFamily
Office Visit
Inpatient Hospital
Outpatient Surgery
Preventive Services
Prescription Drugs
Levels I II III
Benefit Type
20 Plan Allow20 Plan Allow 20 Plan Allow
$5 after deduct$35 after deduct
10After Deduct
10 after deduct
30After Deduct
30 after deduct
79
High Deductible and ConsumershyDriven Health Plans See pages 64shy65 for an explanation of the columns on these pages
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
South Dakota
Aetna HealthFund shyCDHPshy Rapid CitySioux Falls Area
Tennessee
Aetna HealthFund shyCDHPshy Most of Tennessee
Texas Aetna HealthFund shyCDHPshy All of Texas
Humana CoverageFirst shyCDHPshy Corpus Christi Area
Humana CoverageFirst shyCDHPshy San Antonio Area
Humana CoverageFirst shyCDHPshy Austin Area
Utah Aetna HealthFund shyCDHPshy Most of Utah
Altius Health Plans shyHDHPshy Wasatch Front
Vermont
Aetna HealthFund shyCDHPshy All of Vermont
Virginia Aetna HealthFund shyCDHPshy Most of Virginia
CareFirst BlueChoice shyHDHPshy Northern Virginia
Plan Name
877shy459shy6604
877shy459shy6604
877shy459shy6604
888shy393shy6765
888shy393shy6765
888shy393shy6765
877shy459shy6604
800shy377shy4161
877shy459shy6604
877shy459shy6604
888shy789shy9065
Telephone Number
Enrollment Code
G51
F51
JS1
TP1
TU1
TV1
G51
9K4
EP1
F51
B61
Self only
G52
F52
JS2
TP2
TU2
TV2
G52
9K5
EP2
F52
B62
Self amp family
21977
16322
22787
12208
12208
13429
21977
8704
20174
16322
14018
Self only
51861
39021
53701
27163
27162
29879
51861
18033
47770
39021
31268
Self amp family
65883
60115
66709
49809
49809
54790
65883
35514
64044
60115
57192
Self only
149613
136516
151489
110827
110823
121906
149613
73576
145440
136516
127574
Self amp family
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
80
Premium Benefit CY Ded Cat Limit Office Inpatient Outpatient Preventive Prescription Contribution Type SelfFamily SelfFamily Visit Hospital Surgery Services Drugs to HSAHRA Levels I II III Plan Name
South Dakota
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Tennessee
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Texas Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst OutshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst OutshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst OutshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Utah Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Altius Health Plans $5208$10415 $1250$2500 $5000$10000 $20 10 10 Nothing $7$25$50
Vermont
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60
Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Virginia Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
CareFirst BlueChoice InshyNetwork $3750$7500 $1500$3000 $4000$8000 Nothing $300 Nothing Nothing Nothing$30$60 CareFirst BlueChoice OutshyNetWork $3750$7500 $3000$6000 $6000$12000 $70 $500 $70 Nothing Nothing$30$60
81
High Deductible and ConsumershyDriven Health Plans See pages 64shy65 for an explanation of the columns on these pages
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Washington Aetna HealthFund shyCDHPshy Most of Washington
KPS Health Plans shyHDHPshy All of Washington
West Virginia Aetna HealthFund shyCDHPshy Most of West Virginia
Wisconsin Aetna HealthFund shyCDHPshy All of Wisconsin
Wyoming
Aetna HealthFund shyCDHPshy All of Wyoming
Altius Health Plans shyHDHPshy Uinta County
Plan Name
877shy459shy6604
800shy552shy7114
877shy459shy6604
877shy459shy6604
877shy459shy6604
800shy377shy4161
Telephone Number
Enrollment Code
G51
L14
F51
JS1
H41
9K4
Self only
G52
L15
F52
JS2
H42
9K5
Self amp family
21977
10262
16322
22787
16237
8704
Self only
51861
22425
39021
53701
38826
18033
Self amp family
65883
41871
60115
66709
60028
35514
Self only
149613
91494
136516
151489
136317
73576
Self amp family
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
82
Washington Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
KPS Health Plans InshyNetwork $6250$125 $1300$2600 $4000$8000 20 None 20 Nothing KPS Health Plans OutshyNetWork $6250$125 $1300$2600 $4000$8000 40 None 40 Not Covered Not Covered
West Virginia Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Wisconsin Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Wyoming
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Altius Health Plans $5208$10415 $1250$2500 $5000$10000 $20 10 10 Nothing $7$25$50
Plan Name
Premium Contribution to HSAHRA
CY Ded SelfFamily
Cat Limit SelfFamily
Office Visit
Inpatient Hospital
Outpatient Surgery
Preventive Services
Prescription Drugs
Levels I II III
Benefit Type
$10$35$50 30day $100 90day
83
______________________________________________________________________________________________________________
Medicaid and the Childrenrsquos Health Insurance Program (CHIP) Offer Free or LowshyCost Health Coverage to Children and Families
If you or your children are eligible for Medicaid or CHIP and you are eligible for health coverage from your employer your State may have a premium assistance program that can help pay for coverage These States use funds from their Medicaid or CHIP programs to help people who are eligible for these programs but also have access to health insurance through their employer If you or your children are not eligible for Medicaid or CHIP you will not be eligible for these premium assistance programs
If you or your dependents are already enrolled in Medicaid or CHIP and you live in a State listed below you can contact your State Medicaid or CHIP office to find out if premium assistance is available
If you or your dependents are NOT currently enrolled in Medicaid or CHIP and you think you or any of your dependents might be eligible for either of these programs you can contact your State Medicaid or CHIP office or dial 1shy877shyKIDS NOW or wwwinsurekidsnowgov to find out how to apply If you qualify you can ask the State if it has a program that might help you pay the premiums for an employershysponsored plan
Once it is determined that you or your dependents are eligible for premium assistance under Medicaid or CHIP as well as eligible under your employer plan your employer must permit you to enroll in your employer plan if you are not already enrolled This is called a ldquospecial enrollmentrdquo opportunity and you must request coverage within 60 days of being determined eligible for premium assistance If you have questions about enrolling in your employer plan you can contact the Department of Labor electronically at wwwaskebsadolgov or by calling tollshyfree 1shy866shy444shyEBSA (3272)
If you live in one of the following States you may be eligible for assistance paying your employer health plan premiums The following list of States is current as of January 31 2013 You should contact your State for further information on eligibility ndash
ALABAMA ndash Medicaid KANSAS ndash Medicaid Website httpwwwmedicaidalabamagov Phone 1shy855shy692shy5447
Website httpwwwkdheksgovhcf Phone 1shy800shy792shy4884
ALASKA ndash Medicaid KENTUCKY ndash Medicaid Website httphealthhssstateakusdpaprogramsmedicaid Phone (Outside of Anchorage) 1shy888shy318shy8890 Phone (Anchorage) 907shy269shy6529
Website httpchfskygovdmsdefaulthtm Phone 1shy800shy635shy2570
ARIZONA ndash CHIP LOUISIANA ndash Medicaid Website httpwwwazahcccsgovapplicants Phone (Outside of Maricopa County) 1shy877shy764shy5437 Phone (Maricopa County) 602shy417shy5437
Website httpwwwlahippdhhlouisianagov Phone 1shy888shy695shy2447
COLORADO ndash Medicaid MAINE ndash Medicaid Medicaid Website httpwwwcoloradogov Medicaid Phone (In state) 1shy800shy866shy3513 Medicaid Phone (Out of state) 1shy800shy221shy3943
Website httpwwwmainegovdhhsofipublicshyassistanceindexhtml Phone 1shy800shy977shy6740 TTY 1shy800shy977shy6741
FLORIDA ndash Medicaid MASSACHUSETTS ndash Medicaid and CHIP Website httpswwwflmedicaidtplrecoverycom Phone 1shy877shy357shy3268
Website httpwwwmassgovMassHealth Phone 1shy800shy462shy1120
GEORGIA ndash Medicaid MINNESOTA ndash Medicaid Website httpdchgeorgiagov Click on Programs then Medicaid then Health Insurance Premium Payent (HIPP) Phone 1shy800shy869shy1150
Website httpwwwdhsstatemnus Click on Health Care then Medical Assistance Phone 1shy800shy657shy3629
IDAHO ndash Medicaid and CHIP MISSOURI ndash Medicaid Medicaid Website wwwaccesstohealthinsuranceidahogov Medicaid Phone 1shy800shy926shy2588 CHIP Website wwwmedicaididahogov CHIP Phone 1shy800shy926shy2588
Website httpwwwdssmogovmhdparticipantspageshipphtm Phone 573shy751shy2005
INDIANA ndash Medicaid MONTANA ndash Medicaid Website httpwwwingovfssa Phone 1shy800shy889shy9949
Website httpmedicaidproviderhhsmtgovclientpages clientindexshtml Phone 1shy800shy694shy3084
IOWA ndash Medicaid NEBRASKA ndash Medicaid Website wwwdhsstateiaushipp Phone 1shy888shy346shy9562
Website wwwACCESSNebraskanegov Phone 1shy877shy383shy4278
84
Medicaid and the Childrenrsquos Health Insurance Program (CHIP) Offer Free or LowshyCost Health Coverage to Children and Families
NEVADA ndash Medicaid SOUTH CAROLINA ndash Medicaid Medicaid Website httpdwssnvgov Medicaid Phone 1shy800shy992shy0900
Website httpwwwscdhhsgov Phone 1shy888shy549shy0820
NEW HAMPSHIRE ndash Medicaid SOUTH DAKOTA ndash Medicaid Website httpwwwdhhsnhgovoiidocumentshippapppdf Phone 603shy271shy5218
Website httpdsssdgov Phone 1shy888shy828shy0059
NEW JERSEY ndash Medicaid and CHIP TEXAS ndash Medicaid Medicaid Website httpwwwstatenjushumanservices dmahsclientsmedicaid Medicaid Phone 609shy631shy2392 CHIP Website httpwwwnjfamilycareorgindexhtml CHIP Phone 1shy800shy701shy0710
Website httpswwwgethipptexascom Phone 1shy800shy440shy0493
NEW YORK ndash Medicaid UTAH ndash Medicaid and CHIP Website httpwwwnyhealthgovhealth_caremedicaid Phone 1shy800shy541shy2831
Website httphealthutahgovupp Phone 1shy866shy435shy7414
NORTH CAROLINA ndash Medicaid VERMONTndash Medicaid Website httpwwwncdhhsgovdma Phone 919shy855shy4100
Website httpwwwgreenmountaincareorg Phone 1shy800shy250shy8427
NORTH DAKOTA ndash Medicaid VIRGINIA ndash Medicaid and CHIP Website httpwwwndgovdhsservicesmedicalservmedicaid Phone 1shy800shy755shy2604
Medicaid Website httpwwwdmasvirginiagovrcpshyHIPPhtm Medicaid Phone 1shy800shy432shy5924 CHIP Website httpwwwfamisorg CHIP Phone 1shy866shy873shy2647
OKLAHOMA ndash Medicaid and CHIP WASHINGTON ndash Medicaid Website httpwwwinsureoklahomaorg Phone 1shy888shy365shy3742
Website httphrsadshswagovpremiumpymtApplyshtm Phone 1shy800shy562shy3022 ext 15473
OREGON ndash Medicaid and CHIP WEST VIRGINIA ndash Medicaid Website httpwwworegonhealthykidsgov httpwwwhijossaludablesoregongov Phone 1shy877shy314shy5678
Website wwwdhhrwvgovbms Phone 1shy877shy598shy5820 HMS Third Party Liability
PENNSYLVANIA ndash Medicaid WISCONSIN ndash Medicaid Website httpwwwdpwstatepaushipp Phone 1shy800shy692shy7462
Website httpwwwbadgercareplusorgpubspshy10095htm Phone 1shy800shy362shy3002
RHODE ISLAND ndash Medicaid WYOMING ndash Medicaid Website wwwohhsrigov Phone 401shy462shy5300
Website httphealthwyogovhealthcarefinequalitycare Phone 307shy777shy7531
To see if any more States have added a premium assistance program since January 31 2013 or for more information on special enrollment rights you can contact either
US Department of Labor Employee Benefits Security Administration wwwdolgovebsa 1shy866shy444shyEBSA (3272)
US Department of Health and Human Services Centers for Medicare amp Medicaid Services wwwcmshhsgov 1shy877shy267shy2323 Ext 61565
OMB Control Number 1210shy0137 (expires 09302013)
85
Temporary Continuation of Coverage (TCC)
When does my TCC coverage end
If you are a former tribal employee TCC ends on the date that is 18 months after the date of your separation from tribal employment
If you are a child TCC ends on the date that is 36 months from the date you cease being an eligible family member for FEHB purposes
If you are a former (divorced) spouse TCC ends on the date that is 36 months from the date you cease being an eligible family member for FEHB purposes
Note As a TCC enrollee you may voluntarily cancel your TCC enrollment at any time However once your cancellation takes effect you cannot reenroll in the FEHB Program You will not be entitled to a 31shyday extension of coverage for conversion to a nonshygroup (private) policy Family members who lose coverage upon your cancellation may enroll only if they are eligible for FEHB in their own right as tribal employees
If your TCC enrollment terminates because you acquire other FEHB coverage and that coverage ends before your original TCC eligibility period ends you may reenroll for the time remaining until your original TCC ending date
How do I get more information about TCC
Visit FEHB online at wwwopmgovhealthcareshyinsuranceindianshytribeshealthshyinsurance for more information about Temporary Continuation of Coverage
7
FEHB Program Health Information Technology and PriceCost Transparency
Did You Knowhellip Health Information Technology can improve your health
What is Health Information Technology Health Information Technology (HIT) allows doctors and hospitals to manage medical information and to securely exchange information among patients and providers In a variety of ways HIT has a demonstrated benefit in improving health care quality preventing medical errors reducing costs and decreasing paperwork
What are examples of HIT at work
bull You can go online to review your medical pharmacy and laboratory claims information
bull If you complete a Health Risk Assessment (HRA) your health plan can identify you as a candidate for case management or disease management and offer suggestions on healthy lifestyle strategies and how to reduce or eliminate health risks Health plans can provide you with tips and educational material about good health habits information about routine care that is age and gender appropriate
bull Physicians can have the very best clinical guidelines at their fingertips for managing and treating diseases
bull While with a patient a physician can enter a prescription on a computer where potential allergies and adverse reactions are shown immediately
bull Computer alerts are sent to physicians to remind them of a patientrsquos preventive care needs and to track referrals and test results
One feature of HIT is the Personal Health Record (PHR) The electronic version of your medical records allows you to maintain and manage health information for yourself and your family in a private and secure electronic environment Some health plans include your medical claims data in your PHR which gives a more complete picture of your health status and history
You can also find a PHR on OPMrsquos website at wwwopmgovhealthcareshyinsurancespecialshyinitiativesmanagingshymyshyownshyhealth This PHR is a fillable and downloadable form that you complete yourself and save on your home computer We encourage you to take a look at this PHR option and if you determine it will fulfill your recordshykeeping needs take advantage of this opportunity
Pricecost transparency is another element of health information technology For example many health plans allow you to use online tools that will show what the plan will pay on average for a specific procedure or for a specific prescription drug You can also review healthcare quality indicators for physician and hospital services
The health plans listed on our HIT website at wwwopmgovhealthcareshyinsurancehealthcarereferenceshymaterialsurl=HIT have taken steps to help you become a better consumer of health care and have met OPMrsquos HIT quality and pricecost transparency standards
No one is more responsible for your health care than you ndash HIT tools can help
8
Appendix A FEHB Program Features
No waiting periods You can use your benefits as soon as your coverage becomes effective There are no preshyexisting condition limitations
A choice of coverage You can choose Self Only coverage just for you or Self and Family coverage for you your spouse and children under age 26 Under certain circumstances your FEHB enrollment may cover your disabled child 26 years old or older who is incapable of selfshysupport
A choice of plans and options The FEHB Program offers FeeshyforshyService plans plans offering a PointshyofshyService product Health Maintenance Organizations High Deductible Health Plans and ConsumershyDriven Health Plans
Employing office contributions Your tribal employer pays at a minimum 72 percent of the average premium of all plans toward the total cost of your premium Please check with your tribal employer for exact rates
Salary deductions You pay your share of the premium through a payroll deduction If your tribal employer participates in premium conversion you may choose to pay your share of the FEHB premium with preshytax dollars
Enrollment opportunities Each year you can enroll or change your health plan enrollment during the annual Open Season Open Season runs from the Monday of the second full work week in November to the Monday of the second full work week in December This year Open Season will run from November 11 through December 9 2013 Also certain qualifying life events (QLEs) allow for certain types of changes throughout the year see your tribal employer for details
Continued group coverage The FEHB Program offers continued FEHB coverage bull For you or your family when you move transfer or go on leave without pay or enter military service (certain rules about coverage and premium amounts apply see your tribal employer)
Coverage after FEHB ends The FEHB Program offers temporary continuation of coverage (TCC) and conversion to nonshygroup (private) coverage bull For you and your family if you leave your job or retire bull For your covered child if he or she turns age 26 or bull For your former spouse when you divorce
Coverage for family members if you die Your surviving family members may be eligible to continue coverage as described below bull If you have a Self and Family FEHB enrollment with only a spouse your spouse is eligible for conversion to nonshygroup (private) coverage bull If you have a Self and Family FEHB enrollment with a child or children the child(ren) are eligible for Temporary Continuation of Coverage (TCC) and may cover your spouse Eligible family members may convert to nonshygroup (private) coverage when TCC expires at the end of 36 months
If you lose coverage under the FEHB Program you should automatically receive a Certificate of Group Health Plan Coverage from the last FEHB plan to cover you If not the plan must give you one on request This certificate may be important to qualify for benefits if you join a nonshyFEHB plan
9
Appendix B Choosing an FEHB Plan
What type of health plan is best for you You have some basic questions to answer about how you pay for and access medical care Here are the different types of plans from which to choose
Types of Plans Choice of doctors hospitals pharmacies and other providers
Specialty care Outshyofshypocket costs Paperwork
FeeshyforshyService wPPO (Preferred Provider Organization)
You must use the planrsquos network to reduce your outshyofshypocket costs For BCBS Basic Option you must use Preferred providers for your care to be eligible for benefits
Referral not required to get benefits
You pay fewer costs if you use a PPO provider than if you donrsquot
Some if you donrsquot use network providers
Health Maintenance You generally must Referral generally Your outshyofshypocket Little if any Organization use the planrsquos network
to reduce your outshyofshypocket costs
required from primary care doctor to get benefits
costs are generally limited to copayments
PointshyofshyService You must use the planrsquos network to reduce your outshyofshypocket costs You may go outside the network but you will pay more
Referral generally required to get maximum benefits
You pay less if you use a network provider than if you donrsquot
Little if you use the network You have to file your own claims if you donrsquot use the network
ConsumershyDriven You may use network Referral not required You will pay an Some if you donrsquot use Health Plans and nonshynetwork
providers You will pay more by not using the network
to get maximum benefits from PPOs
annual deductible and costshysharing You pay less if you use the network
network providers You file a claim to obtain reimbursement from your HRA
High Deductible Health Plans wHealth Savings Account (HSA) or Health Reimbursement Arrangement (HRA)
Some plans are network only others pay something even if you do not use a network provider
Referral not required to get maximum benefits from PPOs
You will pay an annual deductible and costshysharing You pay less if you use the network
Some if you donrsquot use network providers If you have an HSA or HRA account you may have to file a claim to obtain reimbursement
10
Appendix B Choosing an FEHB Plan
What should you consider when choosing a plan Having a variety of plans to choose from is a good thing but it can make the process confusing We have a tool on our website that will help you narrow your plan choice based on the benefits that are important to you go to wwwopmgovhealthcareshyinsuranceindianshytribeshealthshyinsurance You can also find help in selecting a plan using tools provided by PlanSmartChoice at wwwplansmartchoicecomregistrationaspx
Ask yourself these questions
1 How much does the plan cost This includes the premium you pay
2 What benefits does the plan cover Make sure the plan covers the services or supplies that are important to you and know its limitations and exclusions
3 What are my outshyofshypocket costs Does the plan charge a deductible (the amount you must first pay before the plan begins to pay benefits) What is the copayment or coinsurance (the amount you share in the cost of the service or supply)
4 Who are the doctors hospitals and other care providers I can use Your costs are lower when you use providers who are part of the plan these are ldquoinshynetworkrdquo providers
5 How well does my plan provide quality care Quality care varies from plan to plan and here are three sources for reviewing quality
bull Member survey results ndash evaluations by current plan members are posted within the health plan benefit charts in this Guide
bull Effectiveness of care ndash how a plan performs in preventing or treating common conditions is measured by the Healthcare Effectiveness Data and Information Set and is found at wwwopmgovhealthcareshyinsurancehealthcareplanshyinformationqualityshyhealthcareshyscores
bull Accreditation ndash evaluations of health plans by independent accrediting organizations Check the cover of your health planrsquos brochure for its accreditation level or go to httpreportcardncqaorgplanexternalplansearchaspx
1111
Appendix B Choosing an FEHB Plan
Definitions
Brand name drug shy A prescription drug that is protected by a patent supplied by a single company and marketed under the manufacturerrsquos brand name
Coinsurance shy The amount you pay as your share for the medical services you receive such as a doctorrsquos visit Coinsurance is a percentage of the planrsquos allowance for the service (you pay 20 for example)
Copayment shy The amount you pay as your share for the medical services you receive such as a doctorrsquos visit A copayment is a fixed dollar amount (you pay $15 for example)
Deductible shy The dollar amount of covered expenses an individual or family must pay before the plan begins to pay benefits There may be separate deductibles for different types of services For example a plan can have a prescription drug benefit deductible separate from its calendar year deductible
Formulary or Prescription Drug List shy A list of both generic and brand name drugs often made up of different costshysharing levels or tiers that are preferred by your health plan Health plans choose drugs that are medically safe and cost effective A team including pharmacists and physicians determines the drugs to include in the formulary
Generic Drug shy A generic medication is an equivalent of a brand name drug A generic drug provides the same effectiveness and safety as a brand name drug and usually costs less A generic drug may have a different color or shape than the brand name but it must have the same active ingredients strength and dosage form (pill liquid or injection)
InshyNetwork shy You receive treatment from the doctors clinics health centers hospitals medical practices and other providers with whom your plan has an agreement to care for its members
OutshyofshyNetwork shy You receive treatment from doctors hospitals and medical practitioners other than those with whom the plan has an agreement at additional cost Members who receive services outside the network may pay all charges
Premium Conversion shy Premium conversion allows tribal employees who are eligible for FEHB the opportunity to pay their share of FEHB premiums with preshytax dollars In order for tribal employees to participate in premium conversion their tribal employer must have a premium conversion plan Premium conversion plans are governed by the Internal Revenue Code and IRS rules govern when participants may change their enrollment or cancel outside of the annual Open Season
Provider shy A doctor hospital health care practitioner pharmacy or health care facility
Qualifying Life Events shy An event that may allow enrollees in the FEHB Program to change their health benefits enrollment outside of an Open Season These events also apply to tribal employees under premium conversion and include events such as change in family status or change in employment status
Additional definitions are located at the beginning of the sections introducing the different types of health plans
12
Appendix C Qualifying Life Events
Note This information does not apply to individuals who have a Temporary Continuation of Coverage (TCC) FEHB enrollment Please see the TCC section of this Guide if you are a current TCC enrollee
Qualifying Life Events
A qualifying life event (QLE) is a term defined by OPM to describe events that may allow a tribal employee to enroll in the FEHB Program make changes to hisher FEHB enrollment or make changes to hisher premium conversion participation if applicable
Outside of Open Season you can make changes to your FEHB enrollment if you experience certain QLEs The most common QLEs for changing FEHB enrollment type or plan are marriage acquiring a child moving away from the service area of your Health Maintenance Organization (HMO) losing health insurance coverage or changing employment status Your eligibility to make certain changes to your FEHB enrollment will depend upon whether or not you participate in premium conversion
Tribal Employees who Participate in Premium Conversion
Premium conversion allows tribal employees who are eligible for FEHB the opportunity to pay their share of FEHB premiums with preshytax dollars Your tribal employer may choose whether or not to have a premium conversion plan If your tribal employer has a premium conversion plan you may choose to participate or not participate If your tribal employer does not have a premium conversion plan you may not participate
Premium conversion plans are governed by the Internal Revenue Code and IRS rules govern when you may change your FEHB enrollment or premium conversion status outside of the annual Open Season If you experience a QLE you may change your FEHB enrollment (including a change to Self Only or cancellation) provided the action is consistent with the QLE
If you participate in premium conversion please refer to QLE Table 1 of the Standard Form (SF) 2809 at wwwopmgovformspdf_fillsf2809pdf for detailed information If you need assistance in accessing the SF 2809 or have additional questions please contact your tribal employer
Tribal Employees who do not Participate in Premium Conversion
If your tribal employer does not have a premium conversion plan or if they have a plan and you choose not to participate you are not subject to IRS rules for when you can make certain changes to your FEHB enrollment However you are subject to OPM rules for employees who do not participate in premium conversion
An important difference is that a tribal employee who does not participate in premium conversion may cancel hisher FEHB enrollment or change from a Self and Family to a Self Only enrollment at any time
If you do not participate in premium conversion please refer to QLE Table 5 of the SF 2809 at wwwopmgovformspdf_fillsf2809pdf for detailed information If you need assistance in accessing the SF 2809 or have additional questions please contact your tribal employer
13
Appendix D FEHB Member Survey Results
Each year FEHB plans with 500 or more subscribers mail the Consumers Assessment of Healthcare Providers and Systems (CAHPS)1 to a random sample of plan members For Health Maintenance Organizations (HMO)PointshyofshyService (POS) and High Deductible Health Plans (HDHP) and ConsumershyDriven Health Plans (CDHP) the sample includes all commercial plan members including nonshyFederal members For FeeshyforshyService (FFS)Preferred Provider Organization (PPO) plans the sample includes Federal members only The CAHPS survey asks questions to evaluate membersrsquo satisfaction with their health plans Independent vendors certified by the National Committee for Quality Assurance administer the surveys
OPM reports each planrsquos scores on the various survey measures by showing the percentage of satisfied members on a scale of 0 to 100 Also we list the national average for each measure Since we offer HMO plans FFSPPO plans HDHP and CDHP plans we compute a separate national average for each plan type
Survey findings and member ratings are provided for the following key measures of member satisfaction
bull Overall Plan Satisfaction ndash This measure is based on the question ldquoUsing any number from 0 to 10 where 0 is the worst health plan possible and 10 is the best health plan possible what number would you use to rate your health planrdquo We report the percentage of respondents who rated their plan 8 or higher
bull Getting Needed Care ndash How often was it easy to get an appointment the care tests or treatment you thought you needed through your health plan
bull Getting Care Quickly ndash When you needed care right away how often did you get care as soon as you thought you needed Not counting the times you needed care right away how often did you get an appointment at a doctors office or clinic as soon as you wanted
bull How Well Doctors Communicate ndash How often did your personal doctor explain things in a way that was easy to understand How often did your personal doctor listen carefully to you show respect for what you had to say and spend enough time with you
bull Customer Service ndash How often did your health planrsquos customer service department give you the information or help you needed How often did your health planrsquos customer service staff treat you with courtesy and respect How often were the forms from your health plan easy to fill out
bull Claims processing ndash How often did your health plan handle your claims quickly and correctly
bull Plan Information on Costs ndash How often were you able to find out from your health plan how much you would have to pay for a health care service or equipment or for specific prescription drug medicines
In evaluating plan scores you can compare individual plan scores against other plans and against the national averages Generally new plans and those with fewer than 500 FEHB subscribers do not conduct CAHPS Therefore some of the plans listed in the Guide will not have survey data 1 CAHPS is a registered trademark of the Agency for Healthcare Research and Quality (AHRQ)
14
Appendix E FEHB Plan Comparison Charts
Nationwide FeeshyforshyService Plans (Pages 16 through 19)
FeeshyforshyService (FFS) plans with a Preferred Provider Organization (PPO) ndash A FeeshyforshyService plan provides flexibility in using medical providers of your choice You may choose medical providers who have contracted with the health plan to offer discounted charges You may also choose medical providers who do not contract with the plan but you will pay more of the cost
Medical providers who have contracts with the health plan (Preferred Provider Organization or PPO) have agreed to accept the health planrsquos reimbursement You usually pay a copayment or a coinsurance amount and do not file claims or other paperwork Going to a PPO hospital does not guarantee PPO benefits for all services received in the hospital however Lab work radiology and other services from independent practishytioners within the hospital are frequently not covered by the hospitalrsquos PPO agreement If you receive treatshyment from medical providers who are not contracted with the health plan you either pay them directly and submit a claim for reimbursement to the health plan or the health plan pays the provider directly according to plan coverage and you pay a deductible coinsurance or the balance of the billed charge In any case you pay a greater amount in outshyofshypocket costs
PPOshyonly ndash A PPOshyonly plan provides medical services only through medical providers that have contracts with the plan With few exceptions there is no medical coverage if you or your family members receive care from providers not contracted with the plan
FeeshyforshyService plans open only to specific groups ndash Several FeeshyforshyService plans that are sponshysored or underwritten by an employee organization strictly limit enrollment to persons who are members of that organization If you are not certain if you are eligible check with your human resources office first
The Health Maintenance Organization (HMO) and PointshyofshyService (POS) section begins on page 21
The High Deductible Health Plan (HDHP) and ConsumershyDriven Health Plan (CDHP) section begins on page 60
Please note that the premium rates provided are the maximum amount you will be expected to pay for your premium Your tribal employer may choose to pay a higher portion of your premium Please check with your tribal employer for exact rates
The tables on the following pages highlight selected features that may help you narrow your choice of health plans The tables do not show all of your possible outshyofshypocket costs All benefits are subject to the definitions limitations and exclusions set forth in each planrsquos Federal brochure which is the official statement of benefits available under the planrsquos contract with the Office of Personnel Management Always consult plan brochures before making your final decision
15
Nationwide FeeshyforshyService Plans
How to read this chart
The table below highlights selected features that may help you narrow your choice of health plans Always consult plan brochures before making your final decision The chart does not show all of your possible outshyofshypocket costs
The Deductibles shown are the amount of covered expenses that you pay before your health plan begins to pay
Calendar Year deductibles for families are two or more times the per person amount shown
In some plans your combined Prescription Drug purchases from Mail Order and local pharmacies count toward the deductible In other plans only purchases from local pharmacies count Some plans require each family member to meet a per person deductible
The Hospital Inpatient deductible is what you pay each time you are admitted to a hospital
Doctors shows what you pay for inpatient surgical services and for office visits
Your share of Hospital Inpatient Room and Board covered charges is shown
Your Maximum Monthly Premium is the maximum amount you will pay for your premium Your tribal employer may choose to pay a higher portion of your premium Check with your tribal employer for exact rates
Temporary Continuation of Coverage (TCC) allows former tribal employees and formerly eligible family members to continue their FEHB coverage for a limited period Under TCC you pay the total monthly premium (enrolleersquos share plus the tribal employerrsquos share) plus a 2 administrative charge which equals 102 of Total Monthly Premium
Plan Name Open to All Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your
Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
APWU Health Plan (APWU) shyhigh
Blue Cross and Blue Shield Service Benefit Plan (BCBS) shystd
Blue Cross and Blue Shield Service Benefit Plan (BCBS) shybasic
GEHA Benefit Plan (GEHA) shyhigh
GEHA Benefit Plan (GEHA) shystd
MHBP shystd
MHBP shyValue Plan
NALC shyhigh
NALC Value Option
SAMBA shyhigh
SAMBA shystd
800shy222shy2798
Local phone
Local phone
800shy821shy6136
800shy821shy6136
800shy410shy7778
800shy410shy7778
888shy636shy6252
888shy636shy6252
800shy638shy6589
800shy638shy6589
471
104
111
311
314
454
414
321
KM1
441
444
472
105
112
312
315
455
415
322
KM2
442
445
13670
19028
13209
20317
10418
20913
11302
16122
9001
27523
13171
30910
44412
30930
48310
23691
50565
26946
32727
19546
70356
30081
55776
62875
53893
64190
42505
64798
46114
59911
36724
71540
53739
126114
142015
126195
145991
96659
148291
109939
130096
79748
168477
122733
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
16
Prescription Drugs ndash Prescription Drug Payment Levels shy Plans use terms such as Level (L I L II) or Tier (T1 T2) to show what you pay for generic or brand name prescription drugs The payment levels that plans use follow L I or Tier 1 includes generic drugs but may include some preferred brands L II or Tier 2 includes preferred brands and may include some generics L III or Tier 3 includes nonshypreferred brands other covered drugs and with some exceptions specialty drugs L IV or Tier 4 includes mostly preferred specialty drugs L V or Tier 5 generally includes nonshypreferred specialty drugs
Mail Order Discounts ndash If your plan has a Mail Order program (typically for maintenance drugs) and its response is ldquoYesrdquo in general its Mail Order program is superior to its retail pharmacy benefit (eg you obtain a greater quantity for less cost than retail pharmacy purchases) If your plan does not have a Mail Order program or it does not offer a superior benefit to retail pharshymacy purchases the response will be ldquoNordquo
The prescription drug copayments or coinsurances described in this chart do not represent the complete range of costshysharing under these plans Many plans have variations in their prescription drug benefits (eg you pay the greater of a dollar amount or a percentage or you pay one amount for your first prescription and then a different amount for refills) You must read the plan brochure for a complete description of prescription drug and all other benefits
MedicalshySurgical ndash You Pay
Copay ($)Coinsurance ()
Plan
APWU shyhigh
BCBS shystd
BCBS shybasic
GEHA shyhigh
GEHA shystd
MHBP shystd
MHBP shyvalue
NALC shyhigh
NALC shyValue
SAMBA shyhigh
SAMBA shystd
Benefit Type
Per Person
Calendar Year
Prescription Drug
Hospital Inpatient
Do
Office Visits
ctors
Inpatient Surgical Services
Hospital Inpatient
RampB Level I
Prescription Drugs
Level II Level III
PPO $275 None None $18 10 10 $8 2525 Yes NonshyPPO $500 None $300 30+diff 30+diff 30 50 5050 Yes
PPO $350 None $250 $20 15 Nothing 2015 Medicare B T2 30$80 T3 45$105 Yes NonshyPPO $350 None $350 + 35+ 35+ 35+ Nothing 45+ T1shyT5 T4 30$35$95 T5 30$55$155 Yes
PPO None None $175day $875 Max $25 $200 Nothing $1030day $3090day T2 $45 T3 50($55Min) T4 $50to$140 T5 $70to$195
NA
PPO $350 None $100 $20 10 Nothing $10 25 Max $150NA Yes NonshyPPO $350 None $300 25 25 Nothing $10 25 Max $150 +NA Yes
PPO $350 None None $10 15 15 $10 50 Max $200NA Yes NonshyPPO $350 None None 35 35 35 $10 50 Max $200 +NA Yes
PPO $400 None $200 $20 10 Nothing $5 30($200 max)50($200 max) Yes NonshyPPO $600 None $500 30 30 30 50 5050 Yes
PPO $600 None None $30 20 20 $10 4575 Yes NonshyPPO $900 Not Covered None 40 40 40 Not Covered Not Covered Yes
PPO $300 None $200 $20 15 Nothing 20 3045 Yes NonshyPPO $300 None $350 30 30 30 45+ 45+45+ Yes
NonshyPPO $4000 None 50 50 50 50 50 5050+ No PPO $2000 None 20 20 20 20 $10 $40$60 No
PPO $300 None $200 $20 10 Nothing $8 20($55 max)35($100 max) Yes NonshyPPO $300 None $300 30 30 30 $8 20($55 max)35($100 max) Yes
PPO $350 None $150 up to $450 $20 15 Nothing $8 30($70 max)40($110 max) Yes NonshyPPO $350 None $200 up to $600 35 35 35 $8 30($70 max)40($110 max) Yes
Deductible
Mail Order Discounts
17
Nationwide FeeshyforshyService Plans
Member Survey results are collected scored and reported by an independent organization ndash not by the health plans See Appendix D for a fuller explanation of each survey category
Overall Plan Satisfaction bull How would you rate your overall experience with your health plan
Getting Needed Care bull How often was it easy to get an appointment the care tests or treatment you thought you needed through your health plan
Getting Care Quickly bull When you needed care right away how often did you get care as soon as you thought you needed bull Not counting the times you needed care right away how often did you get an appointment at a doctorrsquos office or clinic as soon as you thought you needed
How Well Doctors bull How often did your personal doctor explain things in a way that was easy to understand Communicate bull How often did your personal doctor listen carefully to you show respect for what you had to say and spend enough time with you
Customer Service bull How often did written materials or the Internet provide the information you needed about how your health plan works bull How often did your health planrsquos customer service give you the information or help you needed bull How often were the forms from your health plan easy to fill out
Claims Processing bull How often did your health plan handle your claims quickly and correctly
Plan Information on Costs bull How often were you able to find out from your health plan how much you would have to pay for a health care service or equipment or for specific prescription drug medicines
APWU Health Plan shyhigh
Blue Cross and Blue Shield Service Benefit Plan shystd
Blue Cross and Blue Shield Service Benefit Plan shybasic
GEHA Benefit Plan shyhigh
GEHA Benefit Plan shystd
MHBP shystd
MHBP shyValue Plan
NALC shyhigh
NALC shyValue Option
SAMBA shyhigh
SAMBA shystd
Plan Name Open to All
FFS National A
Member Survey Results
47 47
10 10
11
31 31
31 31
45 45
41 41
32 32
KM KM
44 44
44 44
Plan Code
verage 805
772
835
757
838
725
84
63
856
897
816
Overall plan satisfaction
927
927
946
896
934
907
938
908
936
947
93
Getting needed care
917
935
917
891
922
895
916
857
922
943
905
Getting care quickly
951
951
955
95
961
949
935
929
959
96
956
How well doctors
communicate
911
89
926
921
912
875
906
866
934
946
911
Customer service
934
921
956
936
929
926
954
887
965
953
946
Claims processing
716
682
703
643
699
688
696
636
771
789
757
Plan Information on Costs
18
FeeshyforshyService Plans ndash Blue Cross and Blue Shield Service Benefit Plan ndash Member Survey Results for Select States
Again this year we are providing more detailed information regarding the quality of services provided by our health plans We are including the results of the Member Satisfaction survey at the state level for eight local Blue Cross Blue Shield (BCBS) Plans
Plan Name Location
Member Survey Results
Plan Code
Overall plan satisfaction
Getting needed care
Getting care quickly
How well doctors
communicate Customer service
Claims processing
Plan Inforshymation on Costs
FFS National Average 805 927 917 951 911 934 716
Blue Cross and Blue Shield Service shy Standard Benefit Plan shy Basic
Arizona 10 11
851 747
905 898
919 884
933 923
938 914
969 928
724 680
Blue Cross and Blue Shield Service shy Standard Benefit Plan shy Basic
California 10 11
809 705
915 873
897 840
954 943
881 910
937 912
677 616
Blue Cross and Blue Shield Service shy Standard Benefit Plan shy Basic
District of Columbia 10 11
768 691
935 893
930 874
951 940
882 881
898 922
657 622
Blue Cross and Blue Shield Service shy Standard Benefit Plan shy Basic
Florida 10 11
864 806
942 916
922 894
952 947
934 916
954 937
733 660
Blue Cross and Blue Shield Service shy Standard Benefit Plan shy Basic
Illinois 10 11
861 796
933 912
934 881
955 950
901 936
972 938
712 653
Blue Cross and Blue Shield Service shy Standard Benefit Plan shy Basic
Maryland 10 11
857 770
931 897
917 898
954 940
897 921
956 967
713 666
Blue Cross and Blue Shield Service shy Standard Benefit Plan shy Basic
Texas 10 11
887 825
934 898
931 883
950 955
936 910
957 967
721 617
Blue Cross and Blue Shield Service shy Standard Benefit Plan shy Basic
Virginia 10 11
871 782
924 901
929 894
966 962
914 917
959 960
708 681
19
The tables on the following pages highlight selected features that may help you narrow your choice of health plans The tables do not show all of your possible outshyofshypocket costs All benefits are subject to the definitions limitations and exclusions set forth in each planrsquos Federal brochure which is the official statement of benefits available under the planrsquos contract with the Office of Personnel Management Always consult plan brochures before making your final decision
20
Appendix E FEHB Plan Comparison Charts
Health Maintenance Organization Plans and Plans Offering a PointshyofshyService Product
(Pages 22 through 59)
Health Maintenance Organization (HMO) ndash A Health Maintenance Organization provides care through a network of physicians and hospitals in particular geographic or service areas HMOs coordinate the health care service you receive and free you from completing paperwork or being billed for covered services Your eligibility to enroll in an HMO is determined by where you live or for some plans where you work bull The HMO provides a comprehensive set of services ndash as long as you use the doctors and hospitals affiliated with the HMO
HMOs charge a copayment for primary physician and specialist visits and sometimes a copayment for inshyhospital care bull Most HMOs ask you to choose a doctor or medical group as your primary care physician (PCP) Your PCP provides your
general medical care In many HMOs you must get authorization or a ldquoreferralrdquo from your PCP to see other providers The referral is a recommendation by your physician for you to be evaluated andor treated by a different physician or medical professional The referral ensures that you see the right provider for the care appropriate to your condition
bull Medical care from a provider not in the planrsquos network is not covered unless itrsquos emergency care or your plan has an arrangement with another plan
Plans Offering a PointshyofshyService (POS) Product ndash A PointshyofshyService plan is like having two plans in one ndash an HMO and an FFS plan A POS allows you and your family members to choose between using (1) a network of providers in a designated service area (like an HMO) or (2) OutshyofshyNetwork providers (like an FFS plan) When you use the POS network of providers you usually pay a copayment for services and do not have to file claims or other paperwork If you use nonshyHMO or nonshyPOS providers you pay a deductible coinsurance or the balance of the billed charge In any case your outshyofshypocket costs are higher and you file your own claims for reimbursement
The tables on the following pages highlight what you are expected to pay for selected features under each plan Always consult plan brochures before making your final decision
Primary careSpecialist office visit copay ndash Shows what you pay for each office visit to your primary care doctor and specialist Contact your plan to find out what providers it considers specialists
Hospital per stay deductible ndash Shows the amount you pay when you are admitted into a hospital
Prescription drugs ndash Prescription Drug Payment Levels shy Plans use terms such as Level (L I L II) or Tier (T1 T2) to show what you pay for generic or brand name prescription drugs The payment levels that plans use follow L I or Tier 1 includes generic drugs but may include some preferred brands L II or Tier 2 includes preferred brands and may include some generics L III or Tier 3 includes nonshypreferred brands other covered drugs and with some exceptions specialty drugs L IV or Tier 4 includes mostly preferred specialty drugs L V or Tier 5 generally includes nonshypreferred specialty drugs
Mail Order Discounts ndash If your plan has a Mail Order program (typically for maintenance drugs) and its response is ldquoYesrdquo in general its Mail Order program is superior to its retail pharmacy benefit (eg you obtain a greater quantity for less cost than retail pharmacy purchases) If your plan does not have a Mail Order program or it does not offer a superior benefit to retail pharmacy purchases the response will be ldquoNordquo
Member Survey Results ndash See Appendix D for a description
Temporary Continuation of Coverage (TCC) ndash Allows former tribal employees and formerly eligible family members to continue their FEHB coverage for a limited period Under TCC you pay the total monthly premium (enrolleersquos share plus the tribal employerrsquos share) plus a 2 administrative charge which equals 102 of Your Total Monthly Premium
Your maximum monthly premium is the maximum amount you will be expected to pay for your premium Your tribal employer may choose to pay a higher portion of your premium Please check with your tribal employer for exact rates
21
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Alabama
Aetna Value Planshy Most of Alabama 877shy459shy6604
Alaska
Aetna Value Planshy Most of Alaska 877shy459shy6604
Arizona
Aetna Value Planshy All of Arizona 877shy459shy6604
Aetna Open Access shyHighshy Phoenix and Tucson Areas 877shy459shy6604
Health Net of Arizona Inc shyHighshy MaricopaPimaOther AZ counties 800shy289shy2818
Health Net of Arizona Inc shyStdshy MaricopaPimaOther AZ counties 800shy289shy2818
Humana Health Plan Inc shyHighshy Phoenix 888shy393shy6765
Humana Health Plan Inc shyStdshy Phoenix 888shy393shy6765
Humana Health Plan Inc shyHighshy Tucson 888shy393shy6765
Humana Health Plan Inc shyStdshy Tucson 888shy393shy6765
Arkansas
Aetna Value Planshy Most of Arkansas 877shy459shy6604
QualChoice shyHighshy All of Arkansas 800shy235shy7017
QualChoice shyStdshy All of Arkansas 800shy235shy7017
F54 F55
JS4 JS5
G54 G55
WQ1 WQ2
A71 A72
A74 A75
BF1 BF2
BF4 BF5
C71 C72
C74 C75
F54 F55
DH1 DH2
DH4 DH5
13058 29656
17258 41140
12822 29119
33482 89188
26548 80303
19509 62476
13880 30882
12491 27794
15825 35210
13149 29256
13058 29656
30353 76056
14296 38452
53279 120995
61069 138677
52315 118808
77618 187686
70545 178623
63365 160440
56629 125999
50965 113400
59608 132629
53648 119367
53279 120995
74426 174291
58048 135935
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
22
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay
deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How
well
doctors
communicate
Customer
service
Claims
processing
Plan
Information
on
Costs
Alabama
Aetna Value Plan InshyNetwork $25$40 20 $10
HMOPOS Nationa
30to$60050 to$1200 Yes
l Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Alaska
Aetna Value Plan InshyNetwork
4040
$25$40
40
20
50+
$10
50+50+
30to$60050 to$1200
No
Yes Aetna Value Plan OutshyNetwork
Arizona
Aetna Value Plan InshyNetwork
4040
$25$40
40
20
50+
$10
50+50+
30to$60050 to$1200
No
Yes Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Health Net of Arizona IncshyHigh
Health Net of Arizona IncshyStandard
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
Arkansas
Aetna Value Plan InshyNetwork
4040
$20$35
$20$40
$25$50
$20$35
$25$40
$20$35
$25$40
$25$40
40
$250day x 4
$250dayx5
25
$250day x 3
$500day x 3
$250day x 3
$500day x 3
20
50+
$10
$10
$10
$10
$10
$10
$10
$10
50+50+
$35$100
$3050
$4050
$40$60
$40$60
$40$60
$40$60
30to$60050 to$1200
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
602
676
676
838
888
888
861
843
843
923
939
939
849
884
884
918
921
921
636
686
686
Aetna Value Plan OutshyNetwork
QualChoice InshyNetwork
QualChoice OutshyNetwork
QualChoice InshyNetwork
4040
$20$30
4040
$20$40
40
$100max$500
40
$200max$1000
50+
$0
NA
$5
50+50+
$40$60
NA
$40$60
No
Yes
NA
Yes
23
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
California
Aetna Value Planshy Most of California 877shy459shy6604
Aetna HMO shy Los Angeles and San Diego Areas 877shy459shy6604
Anthem Blue Cross Select HMO shyHighshy Southern California 800shy235shy8631
Blue Shield of CA Access+HMO shyHighshy Southern Region 800shy880shy8086
Health Net of California shyHighshy Northern Region 800shy522shy0088
Health Net of California shyStdshy Northern Region 800shy522shy0088
Health Net of California shyHighshy Southern Region 800shy522shy0088
Health Net of California shyStdshy Southern Region 800shy522shy0088
Kaiser Foundation Health Plan shy Basic Option shy Northern California 800shy464shy4000
Kaiser Foundation Health Plan of California shyHighshy Northern California 800shy464shy4000
Kaiser Foundation Health Plan of California shyStdshy Northern California 800shy464shy4000
Kaiser Foundation Health Plan of California shyHighshy Southern California 800shy464shy4000
Kaiser Foundation Health Plan of California shyStdshy Southern California 800shy464shy4000
UnitedHealthcare of California shyHighshy Central and Southern California 866shy546shy0510
UnitedHealthcare of California shyStdshy Central and Southern California 866shy546shy0510
Colorado
Aetna Value Planshy All of Colorado 877shy459shy6604
Kaiser Foundation Health Plan of Colorado shyHighshy DenverBoulderSouthern Colorado areas 800shy632shy9700
Kaiser Foundation Health Plan of Colorado shyStdshy DenverBoulderSouthern Colorado areas 800shy632shy9700
Connecticut
Aetna Value Planshy All of Connecticut 877shy459shy6604
Delaware
Aetna Value Planshy All of Delaware 877shy459shy6604
Aetna Open Access shyHighshy KentNew CastleSussex areas 877shy459shy6604
Aetna Open Access shyBasicshy KentNew CastleSussex areas 877shy459shy6604
JS4 JS5
2X1 2X2
B31 B32
SI1 SI2
LB1 LB2
LB4 LB5
LP1 LP2
LP4 LP5
KC1 KC2
591 592
594 595
621 622
624 625
CY1 CY2
CY4 CY5
G54 G55
651 652
654 655
EP4 EP5
EP4 EP5
P31 P32
P34 P35
17258 41140
15940 41769
18194 43825
18445 42566
77474 182834
71405 168807
30687 74663
27027 66198
18293 47705
35345 91275
22772 58183
14073 35293
9019 20845
22819 54699
13109 30036
12822 29119
23933 55581
9887 22345
12694 28827
12694 28827
64801 164359
49560 118027
61069 138677
59725 139319
62024 141416
62280 140132
122490 283205
116299 268898
74767 172871
71034 164236
62125 145373
79518 189815
66694 156061
57420 132713
36797 85048
66742 152507
53485 122549
52315 118808
67878 153407
40339 91170
51792 117616
51792 117616
109563 264361
94017 217102
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
24
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay
deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How
well
doctors
communicate
Customer
service
Claims
processing
Plan
Information
on
Costs
California
Aetna Value Plan InshyNetwork $25$40 20 $10
HMO
30to$60050 to$1200
POS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Anthem Blue Cross Select HMOshyHigh
Blue Shield of CA Access+HMOshyHigh
Health Net of CaliforniashyHigh
Health Net of CaliforniashyStandard
Health Net of CaliforniashyHigh
Health Net of CaliforniashyStandard
Kaiser Foundation HP shy Basic Option
Kaiser Foundation HP of CaliforniashyHigh
Kaiser Foundation HP of CaliforniashyStandard
Kaiser Foundation HP of CaliforniashyHigh
Kaiser Foundation HP of CaliforniashyStandard
UnitedHealthcare of CaliforniashyHigh
UnitedHealthcare of CaliforniashyStandard
Colorado
Aetna Value Plan InshyNetwork
4040
$20$35
$25$35
$20$30
$20$30
$30$50
$20$30
$30$50
$25$35
$15$25
$30$40
$15$25
$30$40
$20$35
$25$40
$25$40
40
$250day x 4
$250max4days
$200 x 3 days
$150dayx5
$750
$150dayx5
$750
20
$250
$500
$250
$500
$150day x 4
30
20
50+
$10
$5$40$60
$10
$10
$15
$10
$15
$15
$10
$15
$10
$15
$10
$10
$10
50+50+
$35$100
$5$40$70$60
$3550
$35$60
$35$65
$35$60
$35$65
$35$35
$30$30
$35$35
$30$30
$35$35
$35$60
$25$50
30to$60050 to$1200
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
579
726
67
67
67
67
798
798
833
833
701
701
766
844
816
816
816
816
884
884
828
828
80
80
781
802
81
81
81
81
848
848
807
807
804
804
896
937
93
93
93
93
925
925
932
932
923
923
769
90
831
831
831
831
872
872
878
878
825
825
849
855
841
841
841
841
793
793
771
771
889
889
648
646
638
638
638
638
63
63
687
687
57
57
Aetna Value Plan OutshyNetwork
Kaiser Foundation HP of ColoradoshyHigh
Kaiser Foundation HP of ColoradoshyStandard
Connecticut
Aetna Value Plan InshyNetwork
4040
$20$40
$20$40
$25$40
40
$250x3
10
20
50+
$10
$15
$10
50+50+
$35$60
$40$80
30to$60050 to$1200
No
Yes
Yes
Yes
722
722
884
884
873
873
936
936
876
876
879
879
622
622
Aetna Value Plan OutshyNetwork
Delaware
Aetna Value Plan InshyNetwork
4040
$25$40
40
20
50+
$10
50+50+
30to$60050 to$1200
No
Yes Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Aetna Open AccessshyBasic
4040
$20$35
$15$35
40
$250day x 4
20 Plan Allow
50+
$10
$5
50+50+
$35$100
$35$100
No
Yes
Yes
602
602
862
862
855
855
972
972
865
865
872
872
618
618
25
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
District of Columbia
Aetna Value Plan shy All of Washington DC
Aetna Open Access shyHighshy Washington DC Area
Aetna Open Access shyBasicshy Washington DC Area
CareFirst BlueChoice shyHighshy Washington DC Metro Area
CareFirst BlueChoice shyStdshy Washington DC Metro Area
Kaiser Foundation Health Plan MidshyAtlantic States shyHighshy Washington DC area
Kaiser Foundation Health Plan MidshyAtlantic States shyStdshy Washington DC area
MD IPA shyHighshy Washington DC area
Florida
Aetna Value Plan shy Most of Florida
AvMed Health Plans shyHighshy Broward Dade and Palm Beach
AvMed Health Plans shyStdshy Broward Dade and Palm Beach
Capital Health Plan shyHighshy Tallahassee area
Coventry Health Plan of Florida shyHighshy Southern Florida
Coventry Health Plan of Florida shyStdshy Southern Florida
Humana Value Plan shy Tampa Area
Humana Value Plan shy South Florida Area
Humana Medical Plan Inc shyHighshy Orlando
Humana Medical Plan Inc shyStdshy Orlando
Humana Medical Plan Inc shyHighshy South Florida
Humana Medical Plan Inc shyStdshy South Florida
Humana Medical Plan Inc shyHighshy Daytona
Humana Medical Plan Inc shyStdshy Daytona
Humana Medical Plan Inc shyHighshy Tampa
Humana Medical Plan Inc shyStdshy Tampa
877shy459shy6604
877shy459shy6604
877shy459shy6604
888shy789shy9065
888shy789shy9065
877shy574shy3337
877shy574shy3337
877shy835shy9861
877shy459shy6604
800shy882shy8633
800shy882shy8633
850shy383shy3311
800shy441shy5501
800shy441shy5501
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
F54 F55
JN1 JN2
JN4 JN5
2G1 2G2
2G4 2G5
E31 E32
E34 E35
JP1 JP2
F54 F55
ML1 ML2
ML4 ML5
EA1 EA2
5E1 5E2
5E4 5E5
MJ4 MJ5
QP4 QP5
E21 E22
E24 E25
EE1 EE2
EE4 EE5
EX1 EX2
EX4 EX5
LL1 LL2
LL4 LL5
13058 29656
46867 105610
14021 31351
21177 48693
15284 35429
16926 42124
9646 22186
20245 50123
13058 29656
20336 56279
12604 30253
11679 30949
16664 47450
12501 30003
10247 22697
10247 22697
13149 29256
11834 26331
23153 51514
15825 35210
13880 30882
12491 27794
48720 108398
15825 35208
53279 120995
91271 204437
57208 127913
65067 146381
59056 132852
60731 139681
39358 90520
64116 147840
53279 120995
64209 154119
51424 123431
47650 126273
60464 145113
51005 122414
41809 92606
41809 92606
53648 119367
48282 107430
67082 149259
59608 132629
56629 125999
50965 113400
93161 207280
59608 132627
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
26
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay
deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How
well
doctors
communicate
Customer
service
Claims
processing
Plan
Information
on
Costs
District of Columbia
Aetna Value Plan InshyNetwork $25$40 20 $10
HMOPOS Nationa
30to$60050 to$1200 Yes
l Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Aetna Open AccessshyBasic
CareFirst BlueChoiceshyHigh
CareFirst BlueChoice InshyNetwork
4040
$15$30
$20$35
$25$35
Nothing$35
40
$150day x3
10 Plan Allow
$200
$200
50+
$5
$10
Nothing
Nothing
50+50+
$35$100
$35$100
$35$65
$35$65
No
Yes
Yes
Yes
Yes
69
69
648
648
844
844
86
86
872
872
833
833
942
942
925
925
865
865
846
846
914
914
902
902
567
567
54
54 CareFirst BlueChoice OutshyNetwork
Kaiser Foundation HP MidshyAtlantic StatesshyHigh
Kaiser Foundation HP MidshyAtlantic StatesshyStandard
MD IPAshyHigh
Florida
Aetna Value Plan InshyNetwork
$70$70
$10$20
$20$30
$25$40
$25$40
$500
$100
$250dayx3
$150day x 3
20
Nothing
$7$17 Net
$12$22Net
$7
$10
$35$65
$30$50$45$65
$35$55$50$70
$30$60
30to$60050 to$1200
Yes
Yes
Yes
Yes
Yes
83
83
583
867
867
846
831
831
876
927
927
937
813
813
867
836
836
841
702
702
677
Aetna Value Plan OutshyNetwork
AvMed Health PlansshyHigh
AvMed Health PlansshyStandard
Capital Health PlanshyHigh
Coventry Health Plan of FloridashyHigh
Coventry Health Plan of FloridashyStandard
Humana Value Plan InshyNetwork
4040
$15$40
$25$45
Nothing$15
$15$30
$20$50
$35$55
40
$250dayx3
$300dayx3
$250
Ded + $150x3
Ded + $150x5
20
50+
$5
$10
$15 Tier 1
$3$20
$3$10
$10
50+50+
$30$5030
$40$6030
$40$6020
$50$7020
$40$60
$30 Tier 2 $50 Tier 3
No
No
No
No
No
No
Yes
746
746
855
514
514
877
877
905
808
808
847
847
905
764
764
957
957
953
921
921
919
919
938
827
827
87
87
946
783
783
68
68
755
535
535
Humana Value Plan OutshyNetwork
Humana Value Plan InshyNetwork
5050
$35$55
50
20
$10+
$10
$40+$60+
$40$60
No
Yes Humana Value Plan OutshyNetwork
Humana Medical Plan IncshyHigh
Humana Medical Plan IncshyStandard
Humana Medical Plan IncshyHigh
Humana Medical Plan IncshyStandard
Humana Medical Plan IncshyHigh
Humana Medical Plan IncshyStandard
Humana Medical Plan IncshyHigh
Humana Medical Plan IncshyStandard
5050
$20$35
$25$40
$20$35
$25$40
$20$35
$25$40
$20$35
$25$40
50
$250day x 3
$500day x 3
$250day x 3
$500day x 3
$250day x 3
$500day x 3
$250day x 3
$500day x 3
$10+
$10
$10
$10
$10
$10
$10
$10
$10
$40+$60+
$40$60
$40$60
$40$60
$40$60
$40$60
$40$60
$40$60
$40$60
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
529
529
86
86
824
824
937
937
846
846
843
843
687
687
27
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Georgia
Aetna Value Planshy All of Georgia
Aetna Open Access shyHighshy Atlanta and Athens Areas
Humana Value Plan shy Atlanta Area
Humana Value Plan shy Macon Area
Humana Employers Health of Georgia Inc shyHighshy Columbus
Humana Employers Health of Georgia Inc shyStdshy Columbus
Humana Employers Health of Georgia Inc shyHighshy Atlanta
Humana Employers Health of Georgia Inc shyStdshy Atlanta
Humana Employers Health of Georgia Inc shyHighshy Macon
Humana Employers Health of Georgia Inc shyStdshy Macon
Kaiser Foundation Health Plan of Georgia shyHighshy Atlanta AthensColumbusMaconSavannah
Kaiser Foundation Health Plan of Georgia shyStdshy Atlanta AthensColumbusMaconSavannah
Guam
Calvos Selectcare shyHighshy Guam Northern Mariana Islands Palau
TakeCare shyHighshy GuamNMarianaIslandsBelau(Palau)
TakeCare shyStdshy GuamNMarianaIslandsBelau(Palau)
Hawaii Aetna Value Planshy All of Hawaii
HMSA shyHighshy All of Hawaii
Kaiser Foundation Health Plan of Hawaii shyHighshy HawaiiKauaiLanaiMauiMolokaiOahu
Kaiser Foundation Health Plan of Hawaii shyStdshy HawaiiKauaiLanaiMauiMolokaiOahu
877shy459shy6604
877shy459shy6604
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy865shy5813
888shy865shy5813
671 479shy7982
671shy647shy3526
671shy647shy3526
877shy459shy6604
800shy776shy4672
808shy432shy5955
808shy432shy5955
F54 F55
2U1 2U2
AD4 AD5
LM4 LM5
CB1 CB2
CB4 CB5
DG1 DG2
DG4 DG5
DN1 DN2
DN4 DN5
F81 F82
F84 F85
B41 B42
JK1 JK2
JK4 JK5
JS4 JS5
871 872
631 632
634 635
13058 29656
44133 104232
10247 22697
10247 22697
15825 35210
13880 30882
15825 35210
13149 29256
15825 35210
13880 30882
15015 36863
10047 22957
11949 31399
12447 36018
10209 26960
17258 41140
11377 25325
14515 32578
7553 16846
53279 120995
88482 203031
41809 92606
41809 92606
59608 132629
56629 125999
59608 132629
53648 119367
59608 132629
56629 125999
58782 134315
40991 93667
48751 128109
50786 133453
41654 109996
61069 138677
46419 103326
58272 129944
30818 68731
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
28
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay
deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How
well
doctors
communicate
Customer
service
Claims
processing
Plan
Information
on
Costs
Georgia
Aetna Value Plan InshyNetwork $25$40 20 $10
HMOP
30to$60050 to$1200
OS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Humana CoverageFirst InshyNetwork
4040
$20$35
$35$55
40
$250day x 4
20
50+
$10
$10
50+50+
$35$100
$40$60
No
Yes
Yes
59 90 878 941 86 857 62
Humana CoverageFirst OutshyNetwork
Humana CoverageFirst InshyNetwork
5050
$35$55
50
20
$10+
$10
$40+$60+
$40$60
No
Yes Humana CoverageFirst OutshyNetwork
Humana Employers Health of Georgia shyHigh
Humana Employers Health of Georgia shyStandard
Humana Employers Health of Georgia shyHigh
Humana Employers Health of Georgia shyStandard
Humana Employers Health of Georgia shyHigh
Humana Employers Health of Georgia shyStandard
Kaiser Foundation HP of GeorgiashyHigh
Kaiser Foundation HP of GeorgiashyStandard
Guam
Calvos Selectcare InshyNetwork
5050
$20$35
$25$40
$20$35
$25$40
$20$35
$25$40
$15$30
$20$35
$15$40
50
$250day x 3
$500day x 3
$250day x 3
$500day x 3
$250day x 3
$500day x 3
$250dayx3
$250dayx3
$200
$10+
$10
$10
$10
$10
$10
$10
$10$20 Comm
$15$25 Comm
$10
$40+$60+
$40$60
$40$60
$40$60
$40$60
$40$60
$40$60
$2550 of AWP
$40$50 Comm $40$50 Comm
$40$50 Comm $40$50 Comm
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
514
794
794
883
845
845
837
85
85
941
935
935
859
884
884
849
839
839
556
625
625
Calvos Selectcare OutshyNetwork
TakeCareshyHigh
TakeCareshyStandard
Hawaii Aetna Value Plan InshyNetwork
3030
$5 at FHP$40
$5 at FHP$40
$25$40
30
$100day for 5
$150day for 5
20
NA
$10
$15
$10
NA
$25$50
$40$80
30to$60050 to$1200
NA
Yes
Yes
Yes
687
687
669
669
686
686
904
904
792
792
786
786
571
571
Aetna Value Plan OutshyNetwork
HMSA InshyNetwork
4040
$15$15
40
$100
50+
$7
50+50+
$30$65
No
Yes 842 914 884 955 878 931 628 HMSA OutshyNetwork
Kaiser Foundation HP of HawaiishyHigh
Kaiser Foundation HP of HawaiishyStandard
3030
$20$20
$30$30
30
$100
10
$7 + 20
$10
$15
$45$45
$50$50
$30 + 20 $65 + 20 No
Yes
Yes
754
754
826
826
815
815
94
94
875
875
811
811
613
613
29
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Idaho
Aetna Value Planshy Most of Idaho 877shy459shy6604
Altius Health Plans shyHighshy Southern Region 800shy377shy4161
Altius Health Plans shyStdshy Southern Region 800shy377shy4161
Group Health Cooperative shyHighshy most of Washington StateampNorthern Idaho 888shy901shy4636
Group Health Cooperative shyStdshy most of Washington StateampNorthern Idaho 888shy901shy4636
SelectHealth shyHighshy Utah Idaho 801shy442shy7497
SelectHealth shyStdshy Utah Idaho 801shy442shy7497
Illinois
Aetna Value Planshy Most of Illinois 877shy459shy6604
Blue Cross and Blue Shield of Illinois shyHighshy Illinois 855shy676shy4482
Blue Preferred Plus POS shyHighshy Madison and St Clair counties 888shy811shy2092
Health Alliance HMO shyHighshy CentralECentralNCentSouthWest Ill 800shy851shy3379
Health Alliance HMO shyStdshy CentralECentralNCentSouthWest Ill 800shy851shy3379
Humana Benefit Plan of Illinois Inc shyHighshy Central and Northwestern Illinois 888shy393shy6765
Humana Benefit Plan of Illinois Inc shyStdshy Central and Northwestern Illinois 888shy393shy6765
Humana Value Plan shy Central Illinois 888shy393shy6765
Humana Value Plan shy Chicago Area 888shy393shy6765
Humana Health Plan Inc shyHighshy Chicago 888shy393shy6765
Humana Health Plan Inc shyStdshy Chicago 888shy393shy6765
Union Health Service shyHighshy Chicago area 312shy423shy4200
United Healthcare of the Midwest Inc shyHighshy Southwest Illinois 877shy835shy9861
UnitedHealthcare Plan of the River Valley Inc shyHighshy West Central Illinois 800shy747shy1446
H44 H45
9K1 9K2
DK4 DK5
541 542
544 545
SF1 SF2
SF4 SF5
H44 H45
A21 A22
9G1 9G2
FX1 FX2
K84 K85
9F1 9F2
AB4 AB5
GB4 GB5
MW4 MW5
751 752
754 755
761 762
B91 B92
YH1 YH2
13093 29732
19819 42542
11798 25954
27070 55009
11742 26509
19210 43095
12435 27741
13093 29732
30483 71121
32158 67069
26932 67294
20323 51891
51805 115264
15825 35210
10247 22697
10247 22697
40638 90413
15825 35210
14109 33787
33072 74273
14091 38330
53418 121307
63682 140107
48136 105894
71078 152824
47908 108156
63060 140671
50737 113183
53418 121307
74559 169258
76267 165125
70937 165354
64196 149643
96307 214284
59608 132629
41809 92606
41809 92606
84917 188936
59608 132629
57566 131177
77200 172473
57491 135811
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
30
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay
deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
6
Getting needed
care
Getting care
quickly
How
well
doctors
communicate
Customer
service
Claims
processing
Plan
Information
on
Costs
Idaho
Aetna Value Plan InshyNetwork $25$40 20 $10
HMO
30to$60050 to$1200
POS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Altius Health PlansshyHigh
Altius Health PlansshyStandard
Group Health CooperativeshyHigh
Group Health CooperativeshyStandard
SelectHealthshyHigh
SelectHealthshyStandard
Illinois
Aetna Value Plan InshyNetwork
4040
$20$30
$20$40
$25$25
$25$35
$15$25
$20$30
$25$40
40
$200
None
$350
$500
$100
$100 after
20
50+
$7
$7
$20
$20
$5 $25$50
$5
$10
50+50+
$25$50
$35$60
$40$60
$40$60
$25$50$50
$25$50
30to$60050 to$1200
No
No
None
Yes
Yes
Yes
Yes
Yes
552
552
659
659
629
629
852
852
86
86
876
876
813
813
869
869
851
851
948
948
941
941
958
958
883
883
912
912
912
912
895
895
881
881
903
903
588
588
692
692
64
64
Aetna Value Plan OutshyNetwork
Blue Cross and Blue Shield of IllinoisshyHigh
Blue Preferred Plus POS InshyNetwork
4040
$20$35
$25$35
40
$200day x 5
$500
50+
$10 copay
$5
50+50+
$40$60
$40$6025 $6025
No
Yes
Yes 647 891 861 961 84 864 685 Blue Preferred Plus POS OutshyNetwork
Health Alliance HMOshyHigh
Health Alliance HMOshyStandard
Humana Benefit Plan of Illinois IncshyHigh
Humana Benefit Plan of Illinois IncshyStandard
Humana Value Plan InshyNetwork
30 after ded
$25$50
$25$50
$20$35
$25$40
$35$55
30 after ded
$200day x 5
20
$250day x 3
$500day x 3
20
NA
$7
$7
$10
$10
$10
NA
$35$70
$35$70
$40$60
$40$60
$40$60
NA
Yes
Yes
Yes
Yes
Yes
745 915 88 962 878 868 67
Humana Value Plan OutshyNetwork
Humana CoverageFirst InshyNetwork
5050
$35$55
50
20
$10+
$10
$40+$60+
$40$60
No
Yes Humana CoverageFirst OutshyNetwork
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
Union Health ServiceshyHigh
United Healthcare of the Midwest IncshyHigh
UnitedHealthcare Plan of the River Valley shyHigh
5050
$20$35
$25$40
$15$15
$25$40
$25$50
50
$250day x 3
$500day x 3
None
$450
20
$10+
$10
$10
$10
$7
$10
$40+$60+
$40$60
$40$60
$35$60
$30$60
$35$50
No
Yes
Yes
Yes
Yes
Yes
647
647
665
577
822
822
919
896
788
788
902
86
943
943
957
956
859
859
892
914
834
834
898
918
66
66
732
623
31
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Indiana
Aetna Value Planshy All of Indiana 877shy459shy6604
Health Alliance HMO shyHighshy Western Indiana 800shy851shy3379
Health Alliance HMO shyStdshy Western Indiana 800shy851shy3379
Humana Value Plan shy LakePorterLaPorte Counties 888shy393shy6765
Humana Health Plan of Ohio shyHighshy Portions of Indiana 888shy393shy6765
Humana Health Plan of Ohio shyStdshy Portions of Indiana 888shy393shy6765
Humana Health Plan Inc shyHighshy LakePorterLaPorte Counties 888shy393shy6765
Humana Health Plan Inc shyStdshy LakePorterLaPorte Counties 888shy393shy6765
Humana Health Plan Inc shyHighshy Southern Indiana 888shy393shy6765
Humana Health Plan Inc shyStdshy Southern Indiana 888shy393shy6765
Physicians Health Plan of Northern Indiana shyHighshy Northeast Indiana 260shy432shy6690
Iowa
Aetna Value Planshy All of Iowa 877shy459shy6604
Coventry Health Care of Iowa shyHighshy CentralEasternWestern Iowa 800shy257shy4692
Coventry Health Care of Iowa shyStdshy CentralEasternWestern Iowa 800shy257shy4692
Health Alliance HMO shyHighshy Central and Eastern Iowa 800shy851shy3379
Health Alliance HMO shyStdshy Central and Eastern Iowa 800shy851shy3379
HealthPartners High Option shyNorthern Iowa 800shy883shy2177
HealthPartners Standard Option shyNorthern Iowa 800shy883shy2177
Sanford Health Plan shyHighshy Northwestern Iowa 800shy752shy5863
Sanford Health Plan shyStdshy Northwestern Iowa 800shy752shy5863
UnitedHealthcare Plan of the River Valley Inc shyHighshy Eastern and Central Iowa 800shy747shy1446
JS4 JS5
FX1 FX2
K84 K85
MW4 MW5
A61 A62
A64 A65
751 752
754 755
MH1 MH2
MH4 MH5
DQ1 DQ2
H44 H45
SV1 SV2
SY4 SY5
FX1 FX2
K84 K85
V31 V32
V34 V35
AU1 AU2
AU4 AU5
YH1 YH2
17258 41140
26932 67294
20323 51891
10247 22697
13880 30882
12491 27794
40638 90413
15825 35210
15825 35210
13880 30882
30786 68557
13093 29732
13351 31376
9799 23027
26932 67294
20323 51891
26865 64982
8897 20464
26173 63455
23647 57594
14091 38330
61069 138677
70937 165354
64196 149643
41809 92606
56629 125999
50965 113400
84917 188936
59608 132629
59608 132629
56629 125999
74868 166643
53418 121307
54474 128016
39979 93951
70937 165354
64196 149643
70869 162996
36302 83494
70163 161438
67586 155460
57491 135811
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
32
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay
deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How
well
doctors
communicate
Customer
service
Claims
processing
Plan
Information
on
Costs
Indiana
Aetna Value Plan InshyNetwork $25$40 20 $10
HMO
30to$60050 to$1200
POS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Health Alliance HMOshyHigh
Health Alliance HMOshyStandard
Humana Value Plan InshyNetwork
4040
$25$50
$25$50
$35$55
40
$200day x 5
20
20
50+
$7
$7
$10
50+50+
$35$70
$35$70
$40$60
No
Yes
Yes
Yes
745 915 88 962 878 868 67
Humana Value Plan OutshyNetwork
Humana Health Plan of OhioshyHigh
Humana Health Plan of OhioshyStandard
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
Physicians Health Plan of Northern IndianashyHigh
Iowa
Aetna Value Plan InshyNetwork
5050
$20$35
$25$40
$20$35
$25$40
$20$35
$25$40
$15$15
$25$40
50
$250day x 3
$500day x 3
$250day x 3
$500day x 3
$250day x 3
$500day x 3
20
20
$10+
$10
$10
$10
$10
$10
$10
$10
$10
$40+$60+
$40$60
$40$60
$40$60
$40$60
$40$60
$40$60
$25$50
30to$60050 to$1200
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
647
647
562
822
822
878
788
788
815
943
943
934
859
859
868
834
834
893
66
66
593
Aetna Value Plan OutshyNetwork
Coventry Health Care of IowashyHigh
Coventry Health Care of IowashyStandard
Health Alliance HMOshyHigh
Health Alliance HMOshyStandard
HealthPartners High Option
HealthPartners Standard Option
Sanford Health Plan InshyNetwork
4040
$25$50
$25$50
$25$50
$25$50
$25$45
$0 for 3 then 20
$20$30
40
20
20
$200day x 5
20
Nothing
20 in40 out
$100day x 5
50+
$3 $10
$3 $10
$7
$7
$12
$9
$15
50+50+
$45$70$100
30$5000 Max
$35$70
$35$70
$45$90
$40$70
$30$50
No
Yes
No
Yes
Yes
Yes
Yes
NA
562
562
745
647
647
535
905
905
915
893
893
903
888
888
88
875
875
89
964
964
962
951
951
977
837
837
878
92
92
902
903
903
868
911
911
912
652
652
67
725
725
558 Sanford Health Plan OutshyNetwork
Sanford Health Plan InshyNetwork
4040
$25$25
40
$100day x 5
40+
$15
40+40+
$30$50
NA
NA 535 903 89 977 902 912 558 Sanford Health Plan OutshyNetwork
UnitedHealthcare Plan of the River Valley shyHigh
40+40+
$25$50
40+
20
40+
$10
40+40+
$35$50
NA
Yes 577 896 86 956 914 918 623
33
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Kansas
Aetna Value Planshy Most of Kansas
Aetna Open Access shyHighshy Kansas City area
Coventry Health Care of Kansas shyHighshy Kansas City Metro Area (KS and MO)
Coventry Health Care of Kansas shyStdshy Kansas City Metro Area (KS and MO)
Humana Value Plan shy Kansas City Area
Humana Health Plan Inc shyHighshy Kansas City
Humana Health Plan Inc shyStdshy Kansas City
Kentucky
Aetna Value Planshy Most of Kentucky
Humana Health Plan of Ohio shyHighshy Portions of Kentucky
Humana Health Plan of Ohio shyStdshy Portions of Kentucky
Humana Health Plan Inc shyHighshy Louisville
Humana Health Plan Inc shyStdshy Louisville
Humana Health Plan Inc shyHighshy Lexington
Humana Health Plan Inc shyStdshy Lexington
Louisiana
Aetna Value Planshy Most of Louisiana
Coventry Health Care of Louisiana shyHighshy New Orleans Area
Coventry Health Care of Louisiana shyStdshy New Orleans Area
Humana Health Benefit Plan of Louisiana Inc shyHighshy Baton Rouge
Humana Health Benefit Plan of Louisiana Inc shyStdshy Baton Rouge
Humana Health Benefit Plan of Louisiana Inc shyHighshy New Orleans
Humana Health Benefit Plan of Louisiana Inc shyStdshy New Orleans
877shy459shy6604
877shy459shy6604
800shy969shy3343
800shy969shy3343
888shy393shy6765
888shy393shy6765
888shy393shy6765
877shy459shy6604
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
877shy459shy6604
800shy341shy6613
800shy341shy6613
888shy393shy6765
888shy393shy6765
888shy393shy6765
888shy393shy6765
G54 G55
HY1 HY2
HA1 HA2
HA4 HA5
PH4 PH5
MS1 MS2
MS4 MS5
H44 H45
A61 A62
A64 A65
MH1 MH2
MH4 MH5
MI1 MI2
MI4 MI5
F54 F55
BJ1 BJ2
BJ4 BJ5
AE1 AE2
AE4 AE5
BC1 BC2
BC4 BC5
12822 29119
13777 50039
13519 32270
12568 29535
10247 22697
62521 139111
15825 35210
13093 29732
13880 30882
12491 27794
15825 35210
13880 30882
19459 43292
13880 30882
13058 29656
19208 48754
13035 30271
15825 35210
13149 29256
13880 30882
12491 27794
52315 118808
55396 147754
55160 129630
51276 120503
41809 92606
107238 238608
59608 132629
53418 121307
56629 125999
50965 113400
59608 132629
56629 125999
63314 140872
56629 125999
53279 120995
63058 146443
53182 123506
59608 132629
53648 119367
56629 125999
50965 113400
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
34
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay
deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How
well
doctors
communicate
Customer
service
Claims
processing
Plan
Information
on
Costs
Kansas
Aetna Value Plan InshyNetwork $25$40 20 $10
HMO
30to$60050 to$1200
POS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Coventry Health Care of KansasshyHigh
Coventry Health Care of KansasshyStandard
Humana CoverageFirst InshyNetwork
4040
$20$35
$30$60
$30$60
$35$55
40
$250day x 4
25
30
20
50+
$10
$3 $12
$3 $12
$10
50+50+
$35$100
$50$75
$5020
$40$60
No
Yes
Yes
Yes
Yes
639
602
602
862
906
906
862
88
88
94
96
96
838
894
894
901
884
884
538
663
663
Humana CoverageFirst OutshyNetwork
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
Kentucky
Aetna Value Plan InshyNetwork
5050
$20$35
$25$40
$25$40
50
$250day x 3
$500day x 3
20
$10+
$10
$10
$10
$40+$60+
$40$60
$40$60
30to$60050 to$1200
No
Yes
Yes
Yes
676
676
903
903
901
901
951
951
881
881
918
918
729
729
Aetna Value Plan OutshyNetwork
Humana Health Plan of OhioshyHigh
Humana Health Plan of OhioshyStandard
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
Louisiana
Aetna Value Plan InshyNetwork
4040
$20$35
$25$40
$20$35
$25$40
$20$35
$25$40
$25$40
40
$250day x 3
$500day x 3
$250day x 3
$500day x 3
$250day x 3
$500day x 3
20
50+
$10
$10
$10
$10
$10
$10
$10
50+50+
$40$60
$40$60
$40$60
$40$60
$40$60
$40$60
30to$60050 to$1200
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes Aetna Value Plan OutshyNetwork
Coventry Health Care of LouisianashyHigh
Coventry Health Care of LouisianashyStandard
Humana Health Benefit Plan of LA shyHigh
Humana Health Benefit Plan of LA shyStandard
Humana Health Benefit Plan of LA shyHigh
Humana Health Benefit Plan of LA shyStandard
4040
$25$45
$30$55
$20$35
$35$40
$20$35
$35$40
40
Ded+$100
Ded+30
$250day x 3
$500day x 3
$250day x 3
$500day x 3
50+
$5
$5
$10
$10
$10
$10
50+50+
$40$100
$40$100
$40$60
$40$60
$40$60
$40$60
No
Yes
Yes
Yes
Yes
Yes
Yes
573
573
874
874
823
823
968
968
831
831
827
827
625
625
35
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Maine
Aetna Value Planshy All of Maine 877shy459shy6604
Maryland
Aetna Value Planshy All of Maryland 877shy459shy6604
Aetna Open Access shyHighshy NorthernCentralSouthern Maryland Areas 877shy459shy6604
Aetna Open Access shyBasicshy NorthernCentralSouthern Maryland Areas 877shy459shy6604
CareFirst BlueChoice shyHighshy All of Maryland 888shy789shy9065
CareFirst BlueChoice shyStdshy All of Maryland 888shy789shy9065
Coventry Health Care shyHighshy All of Maryland 800shy833shy7423
Coventry Health Care shyStdshy All of Maryland 800shy833shy7423
Kaiser Foundation Health Plan MidshyAtlantic States shyHighshy BaltimoreWashington DC areas 877shy574shy3337
Kaiser Foundation Health Plan MidshyAtlantic States shyStdshy BaltimoreWashington DC areas 877shy574shy3337
MD IPA shyHighshy All of Maryland 877shy835shy9861
Massachusetts
Aetna Value Planshy Most of Massachusetts 877shy459shy6604
Fallon Community Health Plan shyBasicshy CentralEastern Massachusetts 800shy868shy5200
EP4 EP5
F54 F55
JN1 JN2
JN4 JN5
2G1 2G2
2G4 2G5
IG1 IG2
IG4 IG5
E31 E32
E34 E35
JP1 JP2
EP4 EP5
JG1 JG2
12694 28827
13058 29656
46867 105610
14021 31351
21177 48693
15284 35429
14998 37685
13265 30509
16926 42124
9646 22186
20245 50123
12694 28827
29337 80043
51792 117616
53279 120995
91271 204437
57208 127913
65067 146381
59056 132852
58764 135153
54121 124479
60731 139681
39358 90520
64116 147840
51792 117616
73390 178358
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
36
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay
deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How
well
doctors
communicate
Customer
service
Claims
processing
Plan
Information
on
Costs
Maine
Aetna Value Plan InshyNetwork $25$40 20 $10
HMO
30to$60050 to$1200
POS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Maryland
Aetna Value Plan InshyNetwork
4040
$25$40
40
20
50+
$10
50+50+
30to$60050 to$1200
No
Yes Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Aetna Open AccessshyBasic
CareFirst BlueChoiceshyHigh
CareFirst BlueChoice InshyNetwork
4040
$15$30
$20$35
$25$35
Nothing$35
40
$150day x3
10 Plan Allow
$200
$200
50+
$5
$10
Nothing
Nothing
50+50+
$35$100
$35$100
$35$65
$35$65
No
Yes
Yes
Yes
Yes
69
69
648
648
844
844
86
86
872
872
833
833
942
942
925
925
865
865
846
846
914
914
902
902
567
567
54
54 CareFirst BlueChoice OutshyNetwork
Coventry Health CareshyHigh
Coventry Health CareshyStandard
Kaiser Foundation HP MidshyAtlantic StatesshyHigh
Kaiser Foundation HP MidshyAtlantic StatesshyStandard
MD IPAshyHigh
Massachusetts
Aetna Value Plan InshyNetwork
$70$70
$20$40
$20$40
$10$20
$20$30
$25$40
$25$40
$500
$200day x 3
$200day x 3
$100
$250dayx3
$150day x 3
20
Nothing
$3$15
$3$15
$7$17 Net
$12$22Net
$7
$10
$35$65
$30$60
$30$60
$30$50$45$65
$35$55$50$
$30$60
30to$60050 to$1200
Yes
Yes
Yes
Yes
70 Yes
Yes
Yes
563
563
83
83
583
864
864
867
867
846
864
864
831
831
876
969
969
927
927
937
892
892
813
813
867
871
871
836
836
841
606
606
702
702
677
Aetna Value Plan OutshyNetwork
Fallon Community Health PlanshyBasic
4040
$25$35
40
$150to$750max
50+
$10
50+50+
$30$60
No
Yes 627 851 882 929 883 801 649
37
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Michigan
Aetna Value Planshy All of Michigan 877shy459shy6604
Bluecare Network of MI shyHighshy East Region 800shy662shy6667
Bluecare Network of MI shyHighshy Southeast Region 800shy662shy6667
Grand Valley Health Plan shyHighshy Grand Rapids area 616shy949shy2410
Grand Valley Health Plan shyStdshy Grand Rapids area 616shy949shy2410
Health Alliance Plan shyHighshy Southeastern MichiganFlint Area 800shy556shy9765
Health Alliance Plan shyStdshy Southeastern MichiganFlint Area 800shy556shy9765
HealthPlus of MI shyHighshy East Michigan 800shy332shy9161
Total Health Care USA shyHighshy Michigan 800shy826shy2862
Minnesota
Aetna Value Planshy Most of Minnesota 877shy459shy6604
HealthPartners High Option shy Minnesota 800shy883shy2177
HealthPartners Standard Option shy Minnesota 800shy883shy2177
Mississippi Aetna Value Planshy Most of Mississippi 877shy459shy6604
G54 G55
K51 K52
LX1 LX2
RL1 RL2
RL4 RL5
521 522
GY4 GY5
X51 X52
A51 A52
H44 H45
V31 V32
V34 V35
H44 H45
12822 29119
22055 52593
18055 50747
24184 61492
19656 50897
20111 55722
16974 48191
13915 49809
13670 50117
13093 29732
26865 64982
8897 20464
13093 29732
52315 118808
65962 150359
61882 148476
68134 159436
63515 148629
63980 153551
60780 145869
56775 147520
55776 147834
53418 121307
70869 162996
36302 83494
53418 121307
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
38
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How well
doctors
communicate
Customer
service
Claims
processing
Plan Inform
ation
on Costs
Michigan
Aetna Value Plan InshyNetwork $25$40 20 $10
HMOP
30to$60050 to$1200
OS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Bluecare Network of MIshyHigh
Bluecare Network of MIshyHigh
Grand Valley Health PlanshyHigh
Grand Valley Health PlanshyStandard
Health Alliance PlanshyHigh
Health Alliance PlanshyStandard
HealthPlus of MIshyHigh
Total Health Care USAshyHigh
Minnesota
Aetna Value Plan InshyNetwork
4040
$15$25
$15$25
$10$10
$20$20
$10$20
$15$30
$10$20
$15$15
$25$40
40
Nothing
Nothing
Nothing
$500x3
Nothing
Nothing
None
None
20
50+
$10
$10
$5
$10
$5
$15
$0$8
$10
$10
50+50+
$30$60
$30$60
$15$15
NA$40
$50$50
$50$50
$40$60
$40$40
30to$60050 to$1200
No
Yes
Yes
No
No
Yes
Yes
Yes
Yes
Yes
651
651
742
742
793
793
793
899
899
90
90
888
888
919
875
875
912
912
862
862
92
933
933
952
952
943
943
951
884
884
883
883
899
899
946
937
937
836
836
902
902
919
672
672
795
795
656
656
658
Aetna Value Plan OutshyNetwork
HealthPartners High Option
HealthPartners Standard Option
Mississippi Aetna Value Plan InshyNetwork
4040
$25$45
$0 for 3 then 20
$25$40
40
Nothing
20 in40 out
20
50+
$12
$9
$10
50+50+
$45$90
$40$70
30to$60050 to$1200
No
Yes
Yes
Yes
647
647
893
893
875
875
951
951
92
92
911
911
725
725
Aetna Value Plan OutshyNetwork 4040 40 50+ 50+50+ No
39
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Missouri Aetna Value Planshy Most of Missouri
Aetna Open Access shyHighshy Kansas City area
Blue Preferred Plus POS shyHighshy StLouisCentralSW areas
Coventry Health Care of Kansas shyHighshy Kansas City Metro Area (KS and MO)
Coventry Health Care of Kansas shyStdshy Kansas City Metro Area (KS and MO)
Humana Value Plan shy Kansas City Area
Humana Health Plan Inc shyHighshy Kansas City
Humana Health Plan Inc shyStdshy Kansas City
United Healthcare of the Midwest Inc shyHighshy St Louis Area
Montana
Aetna Value Planshy SouthSoutheastWestern MT Areas
Nebraska
Aetna Value Planshy All of Nebraska
Nevada
Aetna Value Planshy Las Vegas Area
Aetna Open Access shyHighshy Clark County and Las Vegas areas
Health Plan of Nevada shyHighshy Las VegasEsmeralda and Nye counties
New Hampshire
Aetna Value Planshy All of New Hampshire
877shy459shy6604
877shy459shy6604
888shy811shy2092
800shy969shy3343
800shy969shy3343
888shy393shy6765
888shy393shy6765
888shy393shy6765
877shy835shy9861
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy545shy7378
877shy459shy6604
G54 G55
HY1 HY2
9G1 9G2
HA1 HA2
HA4 HA5
PH4 PH5
MS1 MS2
MS4 MS5
B91 B92
H44 H45
H44 H45
G54 G55
HF1 HF2
NM1 NM2
EP4 EP5
12822 29119
13577 50039
32158 67069
13519 32270
12568 29535
10247 22697
62521 139111
15825 35210
33072 74273
13093 29732
13093 29732
12822 29119
11267 36491
9883 23303
12694 28827
52315 118808
55396 147754
76267 165125
55160 129630
51276 120503
41809 92606
107238 238608
59608 132629
77200 172473
53418 121307
53418 121307
52315 118808
45970 133935
40322 95078
51792 117616
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
40
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How well
doctors
communicate
Customer
service
Claims
processing
Plan Inform
ation
on Costs
Missouri Aetna Value Plan InshyNetwork $25$40 20 $10
HMOP
30to$60050 to$1200
OS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
4040
$20$35
40
$250day x 4
50+
$10
50+50+
$35$100 $40$60
No
Yes 639 862 862 94 838 901 538
Blue Preferred Plus POS InshyNetwork $25$35 $500 $5 25$6025 Yes 647 891 861 961 84 864 685 Blue Preferred Plus POS OutshyNetwork Coventry Health Care of KansasshyHigh
Coventry Health Care of KansasshyStandard
Humana Value Plan InshyNetwork
30 after ded $30$60
$30$60
$35$55
30 after ded 25
30
20
NA $3 $12
$3 $12
$10
NA $50$75
$5020
$40$60
NA Yes
Yes
Yes
602
602
906
906
88
88
96
96
894
894
884
884
663
663
Humana Value Plan OutshyNetwork
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
United Healthcare of the Midwest IncshyHigh
Montana
Aetna Value Plan InshyNetwork
5050
$20$35
$25$40
$25$40
$25$40
50
$250day x 3
$500day x 3
$450
20
$10+
$10
$10
$7
$10
$40+$60+
$40$60
$40$60
$30$60
30to$60050 to$1200
No
Yes
Yes
Yes
Yes
676
676
665
903
903
919
901
901
902
951
951
957
881
881
892
918
918
898
729
729
732
Aetna Value Plan OutshyNetwork
Nebraska
Aetna Value Plan InshyNetwork
4040
$25$40
40
20
50+
$10
50+50+
30to$60050 to$1200
No
Yes Aetna Value Plan OutshyNetwork
Nevada
Aetna Value Plan InshyNetwork
4040
$25$40
40
20
50+
$10
50+50+
30to$60050 to$1200
No
Yes Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Health Plan of NevadashyHigh
New Hampshire
Aetna Value Plan InshyNetwork
4040
$20$35
$10$25
$25$40
40
$250day x 4
$300
20
50+
$10
$7
$10
50+50+
$35$100
$35$55$100
30to$60050 to$1200
No
Yes
Yes
Yes
602
516
838
696
861
66
923
892
849
892
918
912
636
529
Aetna Value Plan OutshyNetwork 4040 40 50+ 50+50+ No
41
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
New Jersey
Aetna Value Planshy All of New Jersey 877shy459shy6604
Aetna Open Access shyHighshy Northern New Jersey 877shy459shy6604
Aetna Open Access shyBasicshy Northern New Jersey 877shy459shy6604
Aetna Open Access shyHighshy Southern NJ 877shy459shy6604
Aetna Open Access shyBasicshy Southern NJ 877shy459shy6604
GHI Health Plan shyHighshy Northern New Jersey 212shy501shy4444
GHI Health Plan shyStdshy Northern New Jersey 212shy501shy4444
New Mexico
Aetna Value Planshy AlbuquerqueDona AnaHobbs Area 877shy459shy6604
Lovelace Health Plan shyHighshy All of New Mexico 800shy808shy7363
Presbyterian Health Plan shyHighshy All counties in New Mexico 800shy356shy2219
EP4 EP5
JR1 JR2
JR4 JR5
P31 P32
P34 P35
801 802
804 805
G54 G55
Q11 Q12
P21 P22
12694 28827
52355 123641
34184 82457
64801 164359
49560 118027
32591 93212
14135 33572
12822 29119
13099 30785
23940 56335
51792 117616
96868 222828
78334 180821
109563 264361
94017 217102
76709 191791
57672 130958
52315 118808
53445 125603
67885 154176
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
42
Primary care Hospital
Prescription Drugs
Member Survey Results
Mail lan
eeded
are
ll icate
r ng rmation
Plan Name ndash Location Specialist
office copay per stay
deductible Level I Level II Level III
order discount
Overall p
satisfaction
Getting n
care
Getting c
quickly
How
we
doctors
commun
Custome
service
Claims
processi
Plan
Info
on
Costs
New Jersey
Aetna Value Plan InshyNetwork $25$40 20 $10
HMO
30to$60050 to$1200
POS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Aetna Open AccessshyBasic
Aetna Open AccessshyHigh
Aetna Open AccessshyBasic
GHI Health Plan InshyNetwork
4040
$20$35
$15$35
$20$35
$15$35
$20$20
40
$250day x 4
20 Plan Allow
$250day x 4
20 Plan Allow
$150max$450
50+
$10
$5
$10
$5
$20
50+50+
$35$100
$35$100
$35$100
$35$100
$45$85
No
Yes
Yes
Yes
Yes
Yes
631
631
631
631
663
852
852
852
852
844
837
837
837
837
851
928
928
928
928
936
895
895
895
895
86
809
809
809
809
828
623
623
623
623
642 GHI Health Plan OutshyNetwork
GHI Health PlanshyStandard
New Mexico
Aetna Value Plan InshyNetwork
50 of sch
$30$30
$25$40
+50 of sch
$250day x 3
20
NA
$10
$10
NA
$45$85
30to$60050 to$1200
No
Yes
Yes
663 844 851 936 86 828 642
Aetna Value Plan OutshyNetwork
Lovelace Health PlanshyHigh
Presbyterian Health PlanshyHigh
4040
$25$35
$25$40
40
$250 after ded
$100 x 5 days
50+
$5
$10
50+50+
$35$6050
$40$7550
No
Yes
Yes
651
655
796
824
753
783
918
917
828
848
939
852
656
616
43
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
New York
Aetna Value Planshy Most of New York 877shy459shy6604
Aetna Open Access shyHighshy NYC AreaUpstate NY 877shy459shy6604
Aetna Open Access shyBasicshy NYC AreaUpstate NY 877shy459shy6604
CDPHP Universal Benefits Inc shyHighshy Upstate Hudson Valley Central NY 877shy269shy2134
CDPHP Universal Benefits Inc shyStdshy Upstate Hudson Valley Central NY 877shy269shy2134
GHI HMO Select shyHighshy BrnxBrklynManhatQueenRichmonWestche 877shy244shy4466
GHI HMO Select shyHighshy CapitalHudson Valley Regions 877shy244shy4466
GHI Health Plan shyHighshy All of New York 212shy501shy4444
GHI Health Plan shyStdshy All of New York 212shy501shy4444
HIP Health of Greater New York shyHighshy New York City area including Long Island 800shy447shy8255
HIP Health of Greater New York shyStdshy New York City area including Long Island 800shy447shy8255
Independent Health Association shyHighshy Western New York 800shy501shy3439
Independent Health Association shyStdshy Western New York 800shy501shy3439
MVP Health Care shyHighshy Eastern Region 888shy687shy6277
MVP Health Care shyStdshy Eastern Region 888shy687shy6277
MVP Health Care shyHighshy Western Region 888shy687shy6277
MVP Health Care shyStdshy Western Region 888shy687shy6277
MVP Health Care shyHighshy Central Region 888shy687shy6277
MVP Health Care shyStdshy Central Region 888shy687shy6277
MVP Health Care shyHighshy Northern Region 888shy687shy6277
MVP Health Care shyStdshy Northern Region 888shy687shy6277
MVP Health Care shyHighshy MidshyHudson Region 888shy687shy6277
MVP Health Care shyStdshy MidshyHudson Region 888shy687shy6277
EP4 EP5
JC1 JC2
JC4 JC5
SG1 SG2
SG4 SG5
6V1 6V2
X41 X42
801 802
804 805
511 512
514 515
QA1 QA2
C54 C55
GA1 GA2
GA4 GA5
GV1 GV2
GV4 GV5
M91 M92
M94 M95
MF1 MF2
MF4 MF5
MX1 MX2
MX4 MX5
12694 28827
40198 109033
26007 71920
22952 71235
12294 32053
19548 60991
14167 47634
32591 93212
14135 33572
17000 63158
12206 34562
18597 58201
14454 47853
16586 53386
13377 39674
13042 35704
11193 28006
17110 54877
13779 42651
25417 75411
22349 67734
18731 58664
13657 42345
51792 117616
84468 207928
69993 170073
66877 169374
50161 129408
63405 158925
57800 145301
76709 191791
57672 130958
60806 161136
49800 131968
62435 156079
58209 145524
60384 151168
54580 137182
53210 133132
45669 114266
60918 152689
56220 140218
69392 173634
66262 165803
62572 156552
55723 139906
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
44
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How well
doctors
communicate
Customer
service
Claims
processing
Plan Inform
ation
on Costs
New York
Aetna Value Plan InshyNetwork $25$40 20 $10
HMOP
30to$60050 to$1200
OS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Aetna Open AccessshyBasic
CDPHP Universal Benefits IncshyHigh
CDPHP Universal Benefits IncshyStandard
GHI HMO SelectshyHigh
GHI HMO SelectshyHigh
GHI Health Plan InshyNetwork
4040
$20$35
$15$35
$20$30
$25$40
$25$40
$25$40
$20$20
40
$250day x 4
20 Plan Allow
$100 x 5
$500+10
$500
$500
$150max$450
50+
$10
$5
25
30
$10
$10
$20
50+50+
$35$100
$35$100
2525
3030
$30$50
$30$50
$45$85
No
Yes
Yes
No
No
Yes
Yes
Yes
662
662
729
729
663
848
848
928
928
844
849
849
90
90
851
937
937
949
949
936
888
888
922
922
86
874
874
924
924
828
547
547
70
70
642 GHI Health Plan OutshyNetwork
GHI Health PlanshyStandard
HIP Health of Greater New YorkshyHigh
HIP Health of Greater New YorkshyStandard
Independent Health Assoc InshyNetwork
50 of sch
$30$30
$20$40
$30$50
$25$25
+50 of sch
$250day x 3
None
$1000
$250
NA
$10
$15
$15$100Ded
$10
NA
$45$85
$35$75
$30$75
$35$75 $75$100Ded
No
Yes
Yes
Yes
No
663
729
729
735
844
814
814
933
851
786
786
923
936
888
888
952
86
787
787
92
828
848
848
916
642
60
60
755 Independent Health Assoc OutshyNetwork
Independent Health Association InshyNetwork
2525
$30$50
25
$750
NA
$10
NA
$5050
No
Yes Independent Health Association OutshyNetwork
MVP Health CareshyHigh
MVP Health CareshyStandard
MVP Health CareshyHigh
MVP Health CareshyStandard
MVP Health CareshyHigh
MVP Health CareshyStandard
MVP Health CareshyHigh
MVP Health CareshyStandard
MVP Health CareshyHigh
MVP Health CareshyStandard
3030
$25$25
$30$50
$25$25
$30$50
$25$25
$30$50
$25$25
$30$50
$25$25
$30$50
30
$500
$750
$500
$750
$500
$750
$500
$750
$500
$750
NA
$5
$5
$5
$5
$5
$5
$5
$5
$5
$5
NA
$35$70
$45$90
$35$70
$45$90
$35$70
$45$90
$35$70
$45$90
$35$70
$45$90
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
739
739
739
739
739
739
739
739
739
739
934
934
934
934
934
934
934
934
934
934
89
89
89
89
89
89
89
89
89
89
962
962
962
962
962
962
962
962
962
962
896
896
896
896
896
896
896
896
896
896
92
92
92
92
92
92
92
92
92
92
768
768
768
768
768
768
768
768
768
768
45
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
North Carolina
Aetna Value Planshy All of North Carolina 877shy459shy6604
North Dakota
Aetna Value Planshy Most of North Dakota 877shy459shy6604
HealthPartners High Option shy Eastern North Dakota 800shy883shy2177
HealthPartners Standard Option shyEastern North Dakota 800shy883shy2177
Sanford Heart of America Health Plan shyHighshy Northcentral North Dakota 800shy525shy5661
Sanford Health Plan shyHighshy North Dakota 800shy752shy5863
Sanford Health Plan shyStdshy North Dakota 800shy752shy5863
Ohio
Aetna Value Planshy All of Ohio 877shy459shy6604
AultCare HMO shyHighshy StarkCarrollHolmesTuscarawasWayne Co 330shy363shy6360
Humana Health Plan of Ohio shyHighshy Greater Cincinnati Area 888shy393shy6765
Humana Health Plan of Ohio shyStdshy Greater Cincinnati Area 888shy393shy6765
HealthSpan Integrated CareshyClevelandAkron areas 800shy686shy7100
HealthSpan Integrated CareshyStdshyClevelandAkron areas 800shy686shy7100
The Health Plan of the Upper Ohio Valley shyHighshy Eastern Ohio 800shy624shy6961
Oklahoma
Aetna Value Planshy All of Oklahoma 877shy459shy6604
Globalhealth Inc shyHighshy Oklahoma 877shy280shy5600
F54 F55
H44 H45
V31 V32
V34 V35
RU1 RU2
C91 C92
C94 C95
JS4 JS5
3A1 3A2
A61 A62
A64 A65
641 642
644 645
U41 U42
JS4 JS5
IM1 IM2
13058 29656
13093 29732
26865 64982
8897 20464
13803 47086
20976 51441
14143 45836
17258 41140
14204 44676
13880 30882
12491 27794
28758 69344
13114 30163
26271 60855
17258 41140
11810 28460
53279 120995
53418 121307
70869 162996
36302 83494
56317 144742
64862 149184
57705 143467
61069 138677
57953 142284
56629 125999
50965 113400
72799 167445
53504 123066
70263 158786
61069 138677
48185 116118
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
46
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How well
doctors
communicate
Customer
service
Claims
processing
Plan Inform
ation
on Costs
North Carolina
Aetna Value Plan InshyNetwork $25$40 20 $10
HMOP
30to$60050 to$1200
OS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
North Dakota
Aetna Value Plan InshyNetwork
4040
$25$40
40
20
50+
$10
50+50+
30to$60050 to$1200
No
Yes Aetna Value Plan OutshyNetwork
HealthPartners High Option
HealthPartners Standard Option
Sanford Heart of America Health Plan InshyNetwork
4040
$25$45
$0 for 3 then 20
$15$25
40
Nothing
20 in40 out
None
50+
$12
$9
50$600ded
50+50+
$45$90
$40$70
50$600 ded
No
Yes
Yes
None
647
647
893
893
875
875
951
951
92
92
911
911
725
725
Sanford Heart of America Health Plan OutshyNetwork
Sanford Health Plan InshyNetwork
2020
$20$30
20
$100day x 5
NA
$15
NA
$30$50
NA
NA 535 903 89 977 902 912 558 Sanford Health Plan OutshyNetwork
Sanford Health Plan InshyNetwork
4040
$25$25
40
$100day x 5
40+
$15
40+40+
$30$50
NA
NA 535 903 89 977 902 912 558 Sanford Health Plan OutshyNetwork
Ohio
Aetna Value Plan InshyNetwork
40+40+
$25$40
40+
20
40+
$10
40+40+
30to$60050 to$1200
NA
Yes Aetna Value Plan OutshyNetwork
AultCare HMOshyHigh
Humana Health Plan of OhioshyHigh
Humana Health Plan of OhioshyStandard
HealthSpan Integrated CareshyHigh
HealthSpan Integrated CareshyStandard
The Health Plan of the Upper Ohio ValleyshyHigh
Oklahoma
Aetna Value Plan InshyNetwork
4040
$15$20
$20$35
$25$40
$20$20
$30$40
$10$20
$25$40
40
$150
$250day x 3
$500day x 3
$250
$500
$250
20
50+
$15
$10
$10
$10
$15
$15
$10
50+50+
$30$40$55
$40$60
$40$60
$30$30
$40$40
$30$50
30to$60050 to$1200
No
No
Yes
Yes
Yes
Yes
Yes
Yes
877
788
788
744
922
845
845
909
907
889
889
876
941
922
922
951
944
935
935
929
935
906
906
944
853
708
708
745
Aetna Value Plan OutshyNetwork
Globalhealth IncshyHigh
4040
$15$45
40
$250dymx1000
50+
$4$10
50+50+
$45$70
No
Yes 592 816 839 916 893 872 727
47
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone
Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Oregon
Aetna Value Planshy Most of Oregon
Kaiser Foundation Health Plan of Northwest shyHighshy PortlandSalem areas
Kaiser Foundation Health Plan of Northwest shyStdshy PortlandSalem areas
Pennsylvania
Aetna Value Planshy All of Pennsylvania
Aetna Open Access shyHighshy Philadelphia
Aetna Open Access shyBasicshy Philadelphia
Aetna Open Access shyHighshy Pittsburgh and Western PA Areas
Geisinger Health Plan shyStdshy NortheasternCentralSouth Central areas
HealthAmerica Pennsylvania shyHighshy Greater Pittsburgh Area
UPMC Health Plan shyHighshy Western Pennsylvania
UPMC Health Plan shyStdshy Western Pennsylvania
Puerto Rico
Humana Health Plans of Puerto Rico Inc shyHighshy Puerto Rico
TripleshyS Salud Inc shyHighshy All of Puerto Rico
Rhode Island
Aetna Value Planshy All of Rhode Island
South Carolina
Aetna Value Planshy All of South Carolina
877shy459shy6604
800shy813shy2000
800shy813shy2000
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
800shy447shy4000
866shy351shy5946
888shy876shy2756
888shy876shy2756
800shy314shy3121
787shy774shy6060
877shy459shy6604
877shy459shy6604
H44 H45
571 572
574 575
H44 H45
P31 P32
P34 P35
YE1 YE2
GG4 GG5
261 262
8W1 8W2
UW4 UW5
ZJ1 ZJ2
891 892
EP4 EP5
JS4 JS5
13093 29732
22672 52645
13617 31283
13093 29732
64801 164359
49560 118027
19203 59806
16820 41884
17814 47183
22135 54101
13345 30692
8026 18317
8829 19866
12694 28827
17258 41140
53418 121307
66592 150412
55557 127637
53418 121307
109563 264361
94017 217102
63053 157716
60623 139436
61637 144841
66044 151897
54448 125225
32748 74733
36023 81052
51792 117616
61069 138677
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
48
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay
deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How
well
doctors
communicate
Customer
service
Claims
processing
Plan
Information
on
Costs
Oregon
Aetna Value Plan InshyNetwork $25$40 20 $10
HMOP
30to$60050 to$1200
OS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Kaiser Foundation HP of NorthwestshyHigh
Kaiser Foundation HP of NorthwestshyStandard
Pennsylvania
Aetna Value Plan InshyNetwork
4040
$20$30
$30$40
$25$40
40
$200
$500
20
50+
$15
$20
$10
50+50+
$40$60
$40$60
30to$60050 to$1200
No
Yes
Yes
Yes
768
768
844
844
847
847
916
916
927
927
89
89
683
683
Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Aetna Open AccessshyBasic
Aetna Open AccessshyHigh
Geisinger Health PlanshyStandard
HealthAmerica PennsylvaniashyHigh
UPMC Health PlanshyHigh
UPMC Health PlanshyStandard
Puerto Rico
Humana Health Plans of PR InshyNetwork
4040
$20$35
$15$35
$20$35
$20$35
$25$50
10 after Deduct
20 after Deduct
$5$5
40
$250day x 4
20 Plan Allow
$250day x 4
20aftrDeduct
15 after ded
10 after deduct
20after Deduct
None
50+
$10
$5
$10
30 $5$15
$5
$5 after ded
$5 after ded
$250
50+50+
$35$100
$35$100
$35$100
$35$60
$35$75
$35$75$100
$10$15
40 $40$120 50 $85$250
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
579
579
579
668
699
754
754
806
861
861
861
868
873
908
908
803
835
835
835
85
885
899
899
82
935
935
935
938
957
97
97
938
887
887
887
906
86
913
913
887
899
899
899
902
921
904
904
70
631
631
631
677
671
678
678
541 Humana Health Plans of PR OutshyNetwork $10$10 $50 NA NA
Greater of $15 or Yes
TripleshyS Salud Inc InshyNetwork TripleshyS Salud Inc OutshyNetwork
Rhode Island
Aetna Value Plan InshyNetwork
$750$10
$25$40
$750 amp 10 +$10 amp 10 +
None 10 +
20
$5 or $12 NA
$10
NA
2025 up to$100$175max
30to$60050 to$1200
Yes No
Yes
691 874 844 963 872 75 586
Aetna Value Plan OutshyNetwork
South Carolina
Aetna Value Plan InshyNetwork
4040
$25$40
40
20
50+
$10
50+50+
30to$60050 to$1200
No
Yes Aetna Value Plan OutshyNetwork 4040 40 50+ 50+50+ No
49
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of Your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
South Dakota
Aetna Value Planshy Rapid CitySioux Falls Area 877shy459shy6604
HealthPartners High Option shy Eastern South Dakota 800shy883shy2177
HealthPartners Standard Option shyEastern South Dakota 800shy883shy2177
Sanford Health Plan shyHighshy EasternCentralRapid City Areas 800shy752shy5863
Sanford Health Plan shyStdshy EasternCentralRapid City Areas 800shy752shy5863
Tennessee
Aetna Value Planshy Most of Tennessee 877shy459shy6604
Aetna Open Access shyHighshy Memphis Area 877shy459shy6604
Humana Health Plan Inc shyHighshy Knoxville 888shy393shy6765
Humana Health Plan Inc shyStdshy Knoxville 888shy393shy6765
G54 G55
V31 V32
V34 V35
AU1 AU2
AU4 AU5
F54 F55
UB1 UB2
GJ1 GJ2
GJ4 GJ5
12822 29119
26865 64982
8897 20464
26173 63455
23647 57594
13058 29656
24581 76516
15825 35210
12491 27794
52315 118808
70869 162996
36302 83494
70163 161438
67586 155460
53279 120995
68539 174761
59608 132629
50965 113400
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
50
Primary
Prescription Drugs
Member Survey Results
ded ation
care Hospital Mail
plan
Getting nee
care
How well
teica
r ng rm
Plan Name ndash Location Specialist office copay
per stay deductible Level I
Level II Level III
order discount
Overall
satisfaction
care
Getting
quickly
doctors
commun
Custome
service
Claims
processi
Plan Info
on Costs
South Dakota
Aetna Value Plan InshyNetwork $25$40 20 $10
HMOP
30to$60050 to$1200
OS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
HealthPartners High Option
HealthPartners Standard Option
Sanford Health Plan InshyNetwork
4040
$25$45
$0 for 3 then 20
$20$30
40
Nothing
20 in40 out
$100day x 5
50+
$12
$9
$15
50+50+
$45$90
$40$70
$30$50
No
Yes
Yes
NA
647
647
535
893
893
903
875
875
89
951
951
977
92
92
902
911
911
912
725
725
558 Sanford Health Plan OutshyNetwork
Sanford Health Plan InshyNetwork
4040
$25$25
40
$100day x 5
40+
$15
40+40+
$30$50
NA
NA
535
535 903 89 977 902 912 558 Sanford Health Plan OutshyNetwork
Tennessee
Aetna Value Plan InshyNetwork
40+40+
$25$40
40+
20
40+
$10
40+40+
30to$60050 to$1200
NA
Yes Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Humana Health Plan IncshyHigh
Humana Health Plan IncshyStandard
4040
$20$35
$20$35
$25$40
40
$250day x 4
$250day x 3
$500day x 3
50+
$10
$10
$10
50+50+
$35$100
$40$60
$40$60
No
Yes
Yes
Yes
66 875 868 959 889 914 69
51
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Texas
Aetna Value Planshy All of Texas 877shy459shy6604
Aetna Whole Health shyBasicshy Houston Area 877shy459shy6604
Firstcare shyHighshy Waco area 800shy884shy4901
Firstcare shyHighshy West Texas 800shy884shy4901
Firstcare shyHighshy TaylorCallahanEastland 800shy884shy4901
Firstcare shyHighshy Lubbock area 800shy884shy4901
Firstcare shyHighshy BryanCollege Station Area 800shy884shy4901
Humana Value Plan shy Corpus Christi Area 888shy393shy6765
Humana Value Plan shy San Antonio Area 888shy393shy6765
Humana Value Plan shy Austin Area 888shy393shy6765
Humana Health Plan of Texas shyHighshy Houston 888shy393shy6765
Humana Health Plan of Texas shyStdshy Houston 888shy393shy6765
Humana Health Plan of Texas shyHighshy Corpus Christi 888shy393shy6765
Humana Health Plan of Texas shyStdshy Corpus Christi 888shy393shy6765
Humana Health Plan of Texas shyHighshy San Antonio 888shy393shy6765
Humana Health Plan of Texas shyStdshy San Antonio 888shy393shy6765
Humana Health Plan of Texas shyHighshy Austin 888shy393shy6765
Humana Health Plan of Texas shyStdshy Austin 888shy393shy6765
Scott amp White Health Plan shyStdshy Central TX amp Some SE and SW Counties 800shy321shy7947
UnitedHealthcare Benefits of Texas Inc shyHighshy San Antonio 866shy546shy0510
JS4 JS5
ES1 ES2
B71 B72
CK1 CK2
CN1 CN2
CZ1 CZ2
ET1 ET2
TP4 TP5
TU4 TU5
TV4 TV5
EW1 EW2
EW4 EW5
UC1 UC2
UC4 UC5
UR1 UR2
UR4 UR5
UU1 UU2
UU4 UU5
A84 A85
GF1 GF2
17258 41140
12817 40332
11057 37880
10809 34896
13391 65886
13031 61566
12638 56836
10247 22697
10247 22697
10247 22697
13880 30882
12491 27794
17899 39821
13880 30882
55020 122416
13880 30882
26524 59015
15825 35210
14907 37260
32515 78160
61069 138677
52295 137853
45113 135352
44103 132308
54635 163918
53169 159512
51562 154687
41809 92606
41809 92606
41809 92606
56629 125999
50965 113400
61723 137332
56629 126001
99587 221579
56629 126001
70521 156910
59608 132629
58671 134720
76632 176438
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
52
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How well
doctors
communicate
Customer
service
Claims
processing
Plan Inform
ation
on Costs
Texas
Aetna Value Plan InshyNetwork $25$40 20 $10
HMO
30to$60050 to$1200
POS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Aetna Whole Health InshyNetwork
4040
$5$25$35
40
15
50+
$5
50+50+
$35$60
No
Yes Aetna Whole Health OutshyNetwork
FirstcareshyHigh
FirstcareshyHigh
FirstcareshyHigh
FirstcareshyHigh
FirstcareshyHigh
Humana Value Plan InshyNetwork
4040
$30$55
$30$55
$30$55
$30$55
$30$55
$35$55
40
$250day x 5
$250day x 5
$250day x 5
$250day x 5
$250day x 5
20
40
$10
$10
$10
$10
$10
$10
4040
$35$70
$35$70
$35$70
$35$70
$35$70
$40$60
No
Yes
Yes
Yes
Yes
Yes
Yes Humana Value Plan OutshyNetwork
Humana Value Plan InshyNetwork
5050
$35$55
50
20
$10+
$10
$40+$60+
$40$60
No
Yes Humana Value Plan OutshyNetwork
Humana Value Plan InshyNetwork
5050
$35$55
50
20
$10+
$10
$40+$60+
$40$60
No
Yes Humana Value Plan OutshyNetwork
Humana Health Plan of TexasshyHigh
Humana Health Plan of TexasshyStandard
Humana Health Plan of TexasshyHigh
Humana Health Plan of TexasshyStandard
Humana Health Plan of TexasshyHigh
Humana Health Plan of TexasshyStandard
Humana Health Plan of TexasshyHigh
Humana Health Plan of TexasshyStandard
Scott amp White Health PlanshyStandard
UnitedHealthcare Benefits of Texas IncshyHigh
5050
$20$35
$25$40
$20$35
$25$40
$20$35
$25$40
$20$35
$25$40
$20$45
$20$40
50
$250day x 3
$500day x 3
$250day x 3
$500day x 3
$250day x 3
$500day x 3
$250day x 3
$500day x 3
10
$250day x 5
$10+
$10
$10
$10
$10
$10
$10
$10
$10
$5
$10
$40+$60+
$40$60
$40$60
$40$60
$40$60
$40$60
$40$60
$40$60
$40$60
$45$100
$35$60
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
63
63
702
835
835
862
764
764
863
931
931
937
864
864
875
856
856
87
673
673
569
53
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Utah
Aetna Value Planshy Most of Utah 877shy459shy6604
Altius Health Plans shyHighshy Wasatch Front 800shy377shy4161
Altius Health Plans shyStdshy Wasatch Front 800shy377shy4161
SelectHealth shyHighshy Urban and Suburban Utah 800shy538shy5038
SelectHealth shyStdshy Urban and Suburban Utah 800shy538shy5038
Vermont Aetna Value Planshy All of Vermont 877shy459shy6604
Virgin Islands
TripleshyS Salud Inc shyHighshy US Virgin Islands 800shy981shy3241
G54 G55
9K1 9K2
DK4 DK5
SF1 SF2
SF4 SF5
EP4 EP5
851 852
12822 29119
19819 42542
11798 25954
19210 43095
12435 27741
12694 28827
10305 23402
52315 118808
63682 140107
48136 105894
63060 140671
50737 113183
51792 117616
42043 95481
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
54
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How well
doctors
communicate
Customer
service
Claims
processing
Plan Inform
ation
on Costs
Utah
Aetna Value Plan InshyNetwork $25$40 20 $10
HMO
30to$60050 to$1200
POS National
Yes
Average 679 864 849 942 877 875 649
Aetna Value Plan OutshyNetwork
Altius Health PlansshyHigh
Altius Health PlansshyStandard
SelectHealthshyHigh
SelectHealthshyStandard
Vermont Aetna Value Plan InshyNetwork
4040
$20$30
$20$40
$15$25
$20$30
$25$40
40
$200
None
$100
$100 after
20
50+
$7
$7
$5$25$50
$5$25$50
$10
50+50+
$25$50
$35$60
$25$50$50
$25 $50$50
30to$60050 to$1200
No
No
None
Yes
Yes
Yes
552
552
629
629
852
852
876
876
813
813
851
851
948
948
958
958
883
883
912
912
895
895
903
903
588
588
64
64
Aetna Value Plan OutshyNetwork
Virgin Islands
4040 40 50+ 50+50+ No
Greater of $15 or TripleshyS Salud Inc InshyNetwork TripleshyS Salud Inc OutshyNetwork
$750$10 $750 amp 10 +$10 amp 10 +
None 10 +
$5 or $12 NA NA
2025 up to$100$175max
Yes No
691 874 844 963 872 75 586
55
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Virginia
Aetna Value Planshy Most of Virginia 877shy459shy6604
Aetna Open Access shyHighshy NorthernCentralRichmond Virginia Areas 877shy459shy6604
Aetna Open Access shyBasicshy NorthernCentralRichmond Virginia Areas 877shy459shy6604
Aetna Whole Health shyBasicshy Roanoke VA area 877shy459shy6604
Aetna Whole Health shyBasicshy Newport News VA area 877shy459shy6604
CareFirst BlueChoice shyHighshy Northern Virginia 888shy789shy9065
CareFirst BlueChoice shyStdshy Northern Virginia 888shy789shy9065
HealthKeepers Inc shyHighshy Virginia 855shy580shy1200
Kaiser Foundation Health Plan MidshyAtlantic States shyHighshy Northern VirginiaFredericksburg area 877shy574shy3337
Kaiser Foundation Health Plan MidshyAtlantic States shyStdshy Northern VirginiaFredericksburg area 877shy574shy3337
MD IPA shyHighshy Northern Viginia 877shy835shy9861
Optima Health Plan shyHighshy Hampton Roads and Richmond areas 800shy206shy1060
Optima Health Plan shyStdshy Hampton Roads and Richmond areas 800shy206shy1060
Piedmont Community Healthcare shyHighshy Lynchburg area 888shy674shy3368
Washington
Aetna Value Planshy Most of Washington 877shy459shy6604
Aetna Open Access shyHighshy Seattle and Spokane areas 877shy459shy6604
Group Health Cooperative shyHighshy Western WACentral WASpokanePullman 888shy901shy4636
Group Health Cooperative shyStdshy Western WACentral WASpokanePullman 888shy901shy4636
KPS Health Plans shyStdshy All of Washington 800shy552shy7114
KPS Health Plans shyHighshy All of Washington 800shy552shy7114
Kaiser Foundation Health Plan of Northwest shyHighshy VancouverLongview 800shy813shy2000
Kaiser Foundation Health Plan of Northwest shyStdshy VancouverLongview 800shy813shy2000
F54 F55
JN1 JN2
JN4 JN5
D91 D92
J91 J92
2G1 2G2
2G4 2G5
A91 A92
E31 E32
E34 E35
JP1 JP2
9R1 9R2
9R4 9R5
2C1 2C2
G54 G55
C31 C32
541 542
544 545
L11 L12
VT1 VT2
571 572
574 575
13058 29656
46867 105610
14021 31351
12138 40332
11280 29365
21177 48693
15284 35429
20427 47008
16926 42124
9646 22186
20245 50123
26858 69565
11269 26665
12235 28017
12822 29119
14933 62274
27070 55009
11742 26509
12426 26823
31651 67459
22672 52645
13617 31283
53279 120995
91271 204437
57208 127913
49524 137853
46023 119808
65067 146381
59056 132852
64302 144663
60731 139681
39358 90520
64116 147840
70861 167671
45977 108794
49920 114308
52315 118808
58698 160234
71078 152824
47908 108156
50700 109437
75750 165523
66592 150412
55557 127637
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
56
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Getting needed
care
Getting care
quickly
How well
doctors
communicate
Customer
service
Claims
processing
Plan Inform
ation
on Costs
Virginia
Aetna Value Plan InshyNetwork Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Aetna Open AccessshyBasic
Aetna Whole Health InshyNetwork Aetna Whole Health OutshyNetwork
Aetna Whole Health InshyNetwork Aetna Whole Health OutshyNetwork
CareFirst BlueChoiceshyHigh
CareFirst BlueChoice InshyNetwork
$25$40 4040
$15$30
$20$35
$25$35 4040
$5$25$35 4040
$25$35
Nothing$35
20 40
$150day x3
10 Plan Allow
15 40
15 40
$200
$200
$10 50+
$5
$10
$5 40
$5 40
Nothing
Nothing
HMO
50+50+
$35$100
$35$100
$35$60 4040
$35$60 4040
$35$65
$35$65
30to$60050 to$1200
POS National
Yes No
Yes
Yes
Yes No
Yes No
Yes
Yes
Average
69
69
648
648
679
844
844
86
86
864
872
872
833
833
849
942
942
925
925
942
865
865
846
846
877
914
914
902
902
875
567
567
54
54
649
CareFirst BlueChoice OutshyNetwork
HealthKeepers IncshyHigh
Kaiser Foundation HP MidshyAtlantic StatesshyHigh
Kaiser Foundation HP MidshyAtlantic StatesshyStandard
MD IPAshyHigh
Optima Health PlanshyHigh
Optima Health PlanshyStandard
Piedmont Community HealthcareshyHigh
Washington
Aetna Value Plan InshyNetwork Aetna Value Plan OutshyNetwork
Aetna Open AccessshyHigh
Group Health CooperativeshyHigh
Group Health CooperativeshyStandard
KPS Health Plans InshyNetwork KPS Health Plans OutshyNetwork
KPS Health Plans InshyNetwork KPS Health Plans OutshyNetwork
Kaiser Foundation HP of NorthwestshyHigh
Kaiser Foundation HP of NorthwestshyStandard
$70$70
$10$20
$20$30
$25$40
$25$30
$35$35
$25$40 4040
$20$35
$25$25
$25$35
$154 or 2020
$30$30 $30+40+diff
$20$30
$30$40
$0$3530NonshyNetwork
$20$0childlt22$30
$154+40+diff 40+diff
$500
$200 x3 days
$100
$250dayx3
$150day x 3
$150max$750
$20020
20
20 40
$250day x 4
$350
$500
Nothing Nothing
None None
$200
$500
Nothing
$0
$7$17 Net
$12$22Net
$7
$10
$10
$15
$10 50+
$10
$20
$20
$10 Not Covered
$5 Not Covered
$15
$20
$35$65
$30$50$50
$30$50$45$65
$35$55$50$70
$30$60
$40$55
50+50+
$35$100
$40$60
$40$60
Not Covered
NA
$40$60
$40$60
$353050up to $3000
$355050 up to $3000
$35$50 30day$100 90day
$25$50 30day$100 90day
30to$60050 to$1200
Yes
Yes
Yes
Yes
Yes
Yes
No
No
Yes No
Yes
Yes
Yes
Yes No
Yes No
Yes
Yes
83
83
583
692
692
659
659
798
798
768
768
867
867
846
864
864
86
86
94
94
844
844
833
831
831
876
886
886
869
869
928
928
847
847
927
927
937
969
969
941
941
957
957
916
916
813
813
867
87
87
912
912
931
931
927
927
836
836
841
916
916
881
881
897
897
89
89
702
702
677
674
674
692
692
65
65
683
683
57
Health Maintenance Organization (HMO) and PointshyofshyService (POS) Plans See page 21 for an explanation of the columns on these pages
Plan Name ndash Location Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
West Virginia
Aetna Value Planshy Most of West Virginia 877shy459shy6604
The Health Plan of the Upper Ohio Valley shyHighshy NorthernCentral West Virginia 800shy624shy6961
Wisconsin
Aetna Value Planshy All of Wisconsin 877shy459shy6604
Aetna Whole Health shyBasicshy Milwaukee WI Area 877shy459shy6604
Dean Health Plan shyHighshy South Central Wisconsin 800shy279shy1301
Group Health Cooperative shyHighshy South Central Wisconsin 800shy605shy4327
HealthPartners High Option shy Western Wisconsin 800shy883shy2177
HealthPartners Standard Option shy Western Wisconsin 800shy883shy2177
MercyCare HMO shyHighshy South Central Wisconsin 800shy895shy2421
Physicians Plus shyHighshy All of WI 800shy545shy5015
Wyoming
Aetna Value Plan shyBasicshy All of Wyoming 877shy459shy6604
Altius Health Plans shyHighshy Uinta County 800shy377shy4161
Altius Health Plans shyStdshy Uinta County 800shy377shy4161
F54 F55
U41 U42
JS4 JS5
F71 F72
WD1 WD2
WJ1 WJ2
V31 V32
V34 V35
EY1 EY2
LW1 LW2
H44 H45
9K1 9K2
DK4 DK5
13058 29656
26271 60855
17258 41140
10600 29208
24382 72670
15910 51534
26865 64982
8897 20464
14597 48275
16556 55954
13093 29732
19819 42542
11798 25954
53279 120995
70263 158786
61069 138677
43250 119170
68336 170838
59694 149279
70869 162996
36302 83494
58355 145955
60353 153787
53418 121307
63682 140107
48136 105894
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
58
Plan Name ndash Location
Primary care
Specialist office copay
Hospital per stay deductible
Prescription Drugs
Member Survey Results
Level I Level II Level III
Mail order
discount
Overall plan
satisfaction
Claims
processing
Getting needed
care
Getting care
quickly
How well
doctors
communicate
Customer
service
Plan Inform
ation
on Costs
West Virginia
Aetna Value Plan InshyNetwork Aetna Value Plan OutshyNetwork
The Health Plan of the Upper Ohio ValleyshyHigh
Wisconsin
Aetna Value Plan InshyNetwork Aetna Value Plan OutshyNetwork
Aetna Whole Health InshyNetwork Aetna Whole Health OutshyNetwork
Dean Health PlanshyHigh
Group Health CooperativeshyHigh
HealthPartners High Option
HealthPartners Standard Option
MercyCare HMOshyHigh
Physicians PlusshyHigh
Wyoming
Aetna Value Plan InshyNetwork Aetna Value Plan OutshyNetwork
Altius Health PlansshyHigh
Altius Health PlansshyStandard
$25$40 4040
$10$20
$25$40 4040
$25$35 4040
$25$25
$10$10
$25$45
$0 for 3 then 20
$10$10
$10$10
$25$40 4040
$20$30
$20$40
20 40
$250
20 40
15 40
None
None
Nothing
20 in40 out
Nothing
Nothing
20 40
$200
None
$10 Yes 50+ 50+50+ No
$15 $30$50 Yes
$10 Yes 50+ 50+50+ No
$5 $35$60 Yes 40 4040 No
$10 Yes
$5 $20$20 Yes
$12 $45$90 Yes
$9 $40$70 Yes
$10 $20$50 Yes
$10 3050 No
$10 Yes 50+ 50+50+ No
$7 $25$50 No
$7 $35$60 None
HMOPOS National Average
30$75max 50 wmin$50
30to$60050 to$1200
30to$60050 to$1200
30to$60050 to$1200
744
682
785
647
647
784
601
552
552
679
909 876 951 929 944
909 90 97 834 879
834 834 953 929 932
893 875 951 92 911
893 875 951 92 911
888 854 938 888 87
857 822 96 863 866
852 813 948 883 895
852 813 948 883 895
864 849 942 877 875
745
588
718
725
725
684
686
588
588
649
59
Appendix E FEHB Plan Comparison Charts
High Deductible and ConsumershyDriven Health Plans With a Health Savings Account or Health Reimbursement Arrangement
(Pages 64 through 83)
A High Deductible Health Plan (HDHP) provides comprehensive coverage for highshycost medical events and a taxshyadvantaged way to help you build savings for future medical expenses The HDHP gives you greater flexibility and discretion over how you use your health care benefits
When you enroll your health plan establishes for you either a Health Savings Account (HSA) or a Health Reimbursement Arrangement (HRA) The plan automatically deposits the monthly ldquopremium pass throughrdquo into your HSA The plan credits an amount into the HRA (This is the ldquoPremium Contribution to HSAHRArdquo column in the following charts)
Preventive care is covered in full As you receive other nonshypreventive medical care you must meet the plan deductible before the health plan pays benefits You can choose to pay your deductible with funds from your HSA or you can choose instead to pay for your deductible outshyofshypocket allowing your savings to continue to grow
The HDHP features higher annual deductibles (a minimum of $1250 for Self Only and $2500 for Self and Family coverage) and annual outshyofshypocket limits (not to exceed $6350 for Self Only and $12700 for Self and Family coverage) than other insurance plans Depending on the HDHP you choose you may have the choice of using InshyNetwork and OutshyofshyNetwork providers There may be higher deductibles and outshyofshypocket limits when you use OutshyofshyNetwork providers Using InshyNetwork providers will save you money
Health Savings Account (HSA)
A Health Savings Account allows individuals to pay for current health expenses and save for future qualified medical expenses on a preshytax basis Funds deposited into an HSA are not taxed the balance in the HSA grows tax free and that amount is available on a tax free basis to pay medical costs You are eligible for an HSA if you are enrolled in an HDHP not covered by any other health plan that is not an HDHP (including a spousersquos health plan but does not include specific injury insurance and accident disability dental care vision care or longshyterm coverage) not enrolled in Medicare not received VA benefits or IHS benefits within the last three months not covered by your own or your spousersquos flexible spending account (FSA) and are not claimed as a dependent on someone elsersquos tax return If you are enrolled in a High Deductible Health Plan with an HSA you may not participate in a Health Care Flexible Spending Account (HCFSA) but you are permitted to participate in a Limited Expense (LEX) HCFSA HSAs are subject to a number of rules and limitations established by the Department of the Treasury
Visit wwwtreasurygovresourceshycenterfaqstaxespageshealthshysavingsshyaccountsaspx for more information The 2014 maximum contribution limits are $3300 for Self Only coverage and $6550 for Self and Family coverage If you are over 55 you can make an additional ldquocatch uprdquo contribution You can use funds in your account to help pay your health plan deductible
60
Appendix E FEHB Plan Comparison Charts
High Deductible and ConsumershyDriven Health Plans With a Health Savings Account or Health Reimbursement Arrangement
Features of an HSA include
bull Taxshydeductible deposits you make to the HSA Your own HSA contributions are either taxshydeductible or preshytax (if made by payroll deduction) See IRS Publication 969
bull Taxshydeferred interest earned on the account
bull Taxshyfree withdrawals for qualified medical expenses
bull Carryover of unused funds and interest from year to year
bull Portability the account is owned by you and is yours to keep ndash even when you retire leave government service or change plans
Health Reimbursement Arrangement (HRA)
Health Reimbursement Arrangements are a common feature of ConsumershyDriven Health Plans They may be referred to by the health plan under a different name such as personal care account They are also available to enrollees in High Deductible Health Plans who are not eligible for an HSA HRAs are similar to HSAs except
bull An enrollee cannot make deposits into an HRA
bull A health plan may impose a ceiling on the value of an HRA
bull Interest is not earned on an HRA and
bull The amount in an HRA is not transferable if the enrollee leaves the health plan
If you are enrolled in a High Deductible Health Plan with an HRA you may participate in a Health Care Flexible Spending Account (HCFSA)
The plan will credit the HRA different amounts depending on whether you have a Self Only or a Self and Family enrollment You can use funds in your account to help pay your health plan deductible
Features of an HRA include
bull Taxshyfree withdrawals for qualified medical expenses bull Carryover of unused credits from year to year bull Credits in an HRA do not earn interest bull Credits in the HRA are forfeited if you leave federal employment or switch health insurance plans
Please note that the premium rates provided are the maximum amount you are expected to pay for your premium Your tribal employer may choose to pay a higher portion of your premium Please check with your tribal employer for exact rates
61
Appendix E FEHB Plan Comparison Charts
High Deductible and ConsumershyDriven Health Plans With a Health Savings Account or Health Reimbursement Arrangement
ELIGIBILITY
FUNDING
Health Savings Account (HSA)
You must enroll in a High Deductible Health Plan (HDHP) No other general medical insurance coverage is permitted You cannot be enrolled in Medicare Part A or Part B You cannot be claimed as a dependent on someone elsersquos tax returns
The plan deposits a monthly ldquopremium pass throughrdquo into your account
Health Reimbursement Arrangement (HRA)
You must enroll in a High Deductible Health Plan (HDHP)
The plan deposits the credit amount directly into your account
CONTRIBUTIONS
DISTRIBUTIONS
The maximum allowed is a combination of the health plan ldquopremium pass throughrdquo and the member contribution up to the maximum contribution amount set by the IRS each year
May be used to pay the outshyofshypocket medical expenses for yourself your spouse or your dependents (even if they are not covered by the HDHP) or to pay the planrsquos deductible
See IRS Publication 502 for a complete list of eligible expenses
Only that portion of the premium specified by the health plan will be contributed You cannot add your own money to an HRA
May be used to pay the outshyofshypocket expenses for qualified medical expenses for individuals covered under the HDHP or to pay the planrsquos deductible
See IRS Publication 502 for a complete list of eligible expenses
ANNUAL ROLLOVER
PORTABLE Yes you can take this account with you when you change plans separate from service or retire
Yes funds accumulate without a maximum cap
If you retire and remain in your HDHP you may continue to use and accumulate credits in your HRA
If you terminate employment or change health plans only eligible expenses incurred while covered under that HDHP will be eligible for reimbursement subject to timely filing requirements Unused credits are forfeited
Yes credits accumulate without a maximum cap
IMPORTANT REMINDER This is only a summary of the features of the HDHPHSA or HRA Refer to the specific Plan brochure for the complete details covering Plan design operation and administration as each Plan will have differences
62
Appendix E FEHB Plan Comparison Charts
High Deductible and ConsumershyDriven Health Plans With a Health Savings Account or Health Reimbursement Arrangement
The tables on the following pages highlight selected features that may help you narrow your choice of health plans The tables do not show all of your possible outshyofshypocket costs All benefits are subject to the definitions limitations and exclusions set forth in each planrsquos Federal brochure which is the official statement of benefits available under the planrsquos contract with the Office of Personnel Management Always consult plan brochures before making your final decision
A ConsumershyDriven plan provides you with freedom in spending health care dollars the way you want The typical plan has features such as member responsibility for certain upshyfront medical costs an employershyfunded account that you may use to pay these upshyfront costs and catastrophic coverage with a high deductible You and your family receive full coverage for InshyNetwork preventive care
63
Appendix E FEHB Plan Comparison Charts
High Deductible and ConsumershyDriven Health Plans With a Health Savings Account or Health Reimbursement Arrangement
The tables on the following pages highlight what you are expected to pay for selected features under each plan The charts are not a complete statement of your outshyofshypocket obligations in every individual circumstance Unlike many regular medical plans the covered outshyofshypocket expenses under a High Deductible Health Plan including office visit copayments and prescription drug copayments count toward the calendar year deductible and the catastrophic limit You must read the planrsquos brochure for details
Premium Contribution (pass through) to HSAHRA (or personal care account) shows the amount your health plan automatically deposits or credits into your account on a monthly basis for Self OnlySelf and Family enrollments (ConsumershyDriven Health Plans credit accounts annually) The amount credited under ldquoPremium Contributionrdquo is shown as a monthly amount for comparison purposes only
Calendar Year (CY) Deductible SelfFamily is the maximum amount of covered expenses an individual or family must pay outshyofshypocket including deductibles coinsurance and copayments before the plan pays catastrophic benefits
Catastrophic (Cat) Limit SelfFamily is the maximum amount of covered expenses an individual or family must pay outshyofshypocket including deductibles and coinsurance and copays before the Plan pays catastrophic benefits
Office Visit shows what you pay for a visit to a primary care physician after the deductible is met for other than preventive care
Inpatient Hospital shows what you pay after the deductible is met for hospital services when an inpatient The amount could be a daily copayment up to a specified amount (eg $50 a day up to three days) a coinsurance amount such as 20 or a flat deductible amount (eg $200 per admission) This amount does not include charges from physicians or for services that may not be charged by the hospital such as laboratory or radiology
Your Maximum Monthly Premium is the maximum amount you will pay for your premium Your tribal employer may choose to pay a higher portion of your premium Check with your tribal employer for exact rates
Temporary Continuation of Coverage (TCC) allows former tribal employees and formerly eligible family members to continue their FEHB coverage for a limited period Under TCC you pay the total monthly premium (enrolleersquos share plus the tribal employerrsquos share) plus a 2 administrative charge which equals 102 of Your Total Monthly Premium
Plan Name Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
APWU Health Plan shyCDHPshy Nationwide
GEHA High Deductible Health Plan shyHDHPshy Nationwide
MHBP shy Consumer Option shyHDHPshy Nationwide
NALC shyCDHPshy Nationwide
800shy718shy1299
800shy821shy6136
800shy694shy9901
888shy636shy6252
474 475
341 342
481 482
324 325
9742 21915
11021 25172
13642 30912
10454 22700
39747 89414
44967 102703
55661 126120
42653 92617
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
64
Appendix E FEHB Plan Comparison Charts
High Deductible and ConsumershyDriven Health Plans With a Health Savings Account or Health Reimbursement Arrangement
20 or a flat deductible amount (eg $200 per admission) This amount does not include charges from physicians or for services that may not be charged by the hospital such as laboratory or radiology
Outpatient Surgery shows what you pay the doctor for surgery performed on an outpatient basis
Preventive Services are often covered in full usually with no or only a small deductible or copayment Preventive services may also be payable up to an annual maximum dollar amount (eg up to $300 per person per year)
Prescription Drug Payment Levels Plans use terms such as Level (L I L II) or Tier (T1 T2) to show what you pay for generic or brand name prescription drugs The payment levels that plans use follow L I or Tier 1 includes generic drugs but may include some preferred brands L II or Tier 2 includes preferred brands and may include some generics L III or Tier 3 includes nonshypreferred brands other covered drugs and with some exceptions specialty drugs L IV or Tier 4 includes mostly preferred specialty drugs L V or Tier 5 generally includes nonshypreferred specialty drugs
High Deductible Health Plans and Consumer shy Driven Health Plans are much different from the other types of plans shown in this Guide You can use inshynetwork providers to save money If you use outshyofshynetwork providers however you not only pay more of the costs but you are also usually responsible for any difference between the amount billed for a service and what the plan actually allows (For example you receive a bill from an outshyofshynetwork provider for $100 but the plan allows $85 for the service You pay the higher copayment for outshyofshynetwork care plus the $15 difference between $100 ndash the billed amount ndash and the planrsquos allowance of $85) In addition the difference you pay between the billed amount and the planrsquos allowance does not count toward satisfying the catastrophic limit
Plan Name Benefit Premium CY Ded Cat Limit Office Inpatient Outpatient Preventive Prescription Type Contribution SelfFamily SelfFamily Visit Hospital Surgery Services Drugs
SelfFamily Levels I II III
APWU Health Plan InshyNetwork $1200$2400 $600$1200 $3000$4500 15 None 15 Nothing 252525 APWU Health Plan OutshyNetwork $1200$2400 $600$1200 $9000$9000 40+diff None 40+diff Nothing up to $1200 Not CoveredNANA
GEHA HDHP InshyNetwork $6250$125 $1500$3000 $5000$10000 5 5 5 Nothing 252525 GEHA HDHP OutshyNetWork $6250$125 $1500$3000 $5000$10000 25 25 25 Ded25 25+25+25+
MHBP shy Consumer Option InshyNetwork $70$141 $2000$4000 $5000$10000 $15 $75 dayshy$750 Nothing Nothing $10$25$40 MHBP shy Consumer Option OutshyNetWork $70$141 $2000$4000 $7500$15000 40 40 40 Not Covered Not Covered
NALC InshyNetwork $1200$2400 $2000$4000 $4000$8000 20 20 20 Nothing $10$40$60 NALC OutshyNetwork $1200$2400 $4000$8000 $8000$16000 50 50 50 50 505050+
65
High Deductible Health Plans and ConsumershyDriven Health Plan Member Survey Results
Member Survey results are collected scored and reported by an independent organization ndash not by the health plans See Appendix D for a fuller explanation of each survey category
Overall Plan Satisfaction bull How would you rate your overall experience with your health plan
Getting Needed Care bull How often was it easy to get an appointment the care tests or treatment you thought you needed through your health plan
Getting Care Quickly bull When you needed care right away how often did you get care as soon as you thought you needed bull Not counting the times you needed care right away how often did you get an appointment at a doctorrsquos office or clinic
as soon as you thought you needed
How Well Doctors bull How often did your personal doctor explain things in a way that was easy to understand Communicate bull How often did your personal doctor listen carefully to you show respect for what you had to say and spend enough time with you
Customer Service bull How often did written materials or the Internet provide the information you needed about how your health plan works bull How often did your health planrsquos customer service give you the information or help you needed bull How often were the forms from your health plan easy to fill out
Claims Processing bull How often did your health plan handle your claims quickly and correctly
Plan Information on Costs bull How often were you able to find out from your health plan how much you would have to pay for a health care service or equipment or for specific prescription drug medicines
Aetna HealthFund shy Nationwide 22
GEHA High Deductible Health Plan shy Nationwide 34
Mail Handlers Benefit Plan Consumer Option shy Nationwide 48
Aetna HealthFund shy Nationwide 22
APWU Health Plan shy Nationwide 47
Humana CoverageFirst shy TX TP TU TV
Humana Coverage First shy IN MW
High Deductible Health Plans Plan Name
Plan Code
ConsumershyDriven Health Plans Plan Name
Plan Code
HDHP National Average
CDHP National Average
614
606
623
614
579
606
664
566
478
Overall plan satisfaction
Overall plan satisfaction
885 866 929 860
891 888 952 830
873 851 923 863
891 859 912 887
881 865 939 850
891 888 952 830
909 907 925 871
849 864 932 843
875 801 948 856
Getting needed care
Getting care quickly
How well doctors
communicate Customer service
Member Survey Results
Getting needed care
Getting care quickly
How well doctors
communicate Customer service
876
879
865
885
847
879
845
853
812
Claims processing
Claims processing
585
563
602
590
585
563
680
542
555
Plan Information on Costs
Plan Information on Costs
66
The tables on the following pages highlight selected features that may help you narrow your choice of health plans The tables do not show all of your possible outshyofshypocket costs All benefits are subject to the definitions limitations and exclusions set forth in each planrsquos Federal brochure which is the official statement of benefits available under the planrsquos contract with the Office of Personnel Management Always consult plan brochures before making your final decision
67
High Deductible and ConsumershyDriven Health Plans See pages 64shy65 for an explanation of the columns on these pages
Plan Name
Telephone Number
Enrollment Code
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Self only
Self amp family
Self only
Self amp family
Self only
Self amp family
Aetna HealthFund shyHDHPshy All 50 States and DC 877shy459shy6604 224 225 11856 25965 48372 105938
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Alabama
Aetna HealthFund shyCDHPshy Most of Alabama
Alaska
Aetna HealthFund shyCDHPshy Most of Alaska
Arizona
Aetna HealthFund shyCDHPshy All of Arizona
Arkansas
Aetna HealthFund shyCDHPshy Most of Arkansas
California
Aetna HealthFund shyCDHPshy Most of California
Colorado
Aetna HealthFund shyCDHPshy All of Colorado
Plan Name
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
Telephone Number
Enrollment Code
F51
JS1
G51
F51
JS1
G51
Self only
F52
JS2
G52
F52
JS2
G52
Self amp family
16322
22787
21977
16322
22787
21977
Self only
39021
53701
51861
39021
53701
51861
Self amp family
60115
66709
65883
60115
66709
65883
Self only
136516
151489
149613
136516
151489
149613
Self amp family
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
68
Plan Name
Benefit Type
Premium Contribution to HSAHRA
CY Ded SelfFamily
Cat Limit SelfFamily
Office Visit
Inpatient Hospital
Outpatient Surgery
Preventive Services
Prescription Drugs
Levels I II III
Aetna HealthFund HDHP InshyNetwork $6250$125 $1500$3000 $4000$8000 10 10 10 Nothing $10$35$60 Aetna HealthFund HDHP OutshyNetWork $6250$125 $2500$5000 $5000$10000 30 30 30 Ded30 30+30+30+
Premium Benefit CY Ded Cat Limit Office Inpatient Outpatient Preventive Prescription Contribution Type SelfFamily SelfFamily Visit Hospital Surgery Services Drugs to HSAHRA Levels I II III Plan Name
Alabama
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Alaska
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed4040+40+40+
Arizona
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Arkansas
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
California
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Colorado
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
69
High Deductible and ConsumershyDriven Health Plans See pages 64shy65 for an explanation of the columns on these pages
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Connecticut
Aetna HealthFund shyCDHPshy All of Connecticut
Delaware
Aetna HealthFund shyCDHPshy All of Delaware
District of Columbia
Aetna HealthFund shyCDHPshy All of Washington DC
CareFirst BlueChoice shyHDHPshy Washington DC Metro Area
Florida
Aetna HealthFund shyCDHPshy Most of Florida
Coventry Health Plan of Florida shyHDHPshy Southern Florida
Humana CoverageFirst shyCDHPshy Tampa Area
Humana CoverageFirst shyCDHPshy South Florida Area
Georgia
Aetna HealthFund shyCDHPshy All of Georgia
Humana CoverageFirst shyCDHPshy Atlanta Area
Humana CoverageFirst shyCDHPshy Macon Area
Guam
TakeCare shyHDHPshy GuamN Mariana IslandsBelau (Palau)
Plan Name
877shy459shy6604
877shy459shy6604
877shy459shy6604
888shy789shy9065
877shy459shy6604
800shy441shy5501
888shy393shy6765
888shy393shy6765
877shy459shy6604
888shy393shy6765
888shy393shy6765
671shy647shy3526
Telephone Number
Enrollment Code
EP1
EP1
F51
B61
F51
J41
MJ1
QP1
F51
AD1
LM1
KX1
Self only
EP2
EP2
F52
B62
F52
J42
MJ2
QP2
F52
AD2
LM2
KX2
Self amp family
20174
20174
16322
14018
16322
13979
12818
10987
16322
11598
12208
6822
Self only
47770
47770
39021
31268
39021
43929
28521
24447
39021
25804
27163
17900
Self amp family
64044
64044
60115
57192
60115
57033
52297
44828
60115
47321
49809
27833
Self only
145440
145440
136516
127574
136516
141522
116366
99744
136516
105282
110827
73032
Self amp family
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
70
Premium Benefit CY Ded Cat Limit Office Inpatient Outpatient Preventive Prescription Contribution Type SelfFamily SelfFamily Visit Hospital Surgery Services Drugs to HSAHRA Levels I II III Plan Name
Connecticut
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Delaware
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
District of Columbia
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
CareFirst BlueChoice InshyNetwork $3750$7500 $1500$3000 $4000$8000 Nothing $300 Nothing Nothing Nothing$30$60 CareFirst BlueChoice OutshyNetWork $3750$7500 $3000$6000 $6000$12000 $70 $500 $70 Nothing Nothing$30$60
Florida
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Coventry Health Plan of Florida $8334$16667 $2500$5000 $5000$10000 $10 Ded+20 Ded+20 Nothing $5$35$5020
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst outshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst outshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Georgia
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst outshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst outshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Guam
TakeCare InshyNetwork $8666$22208 $3000$6000 $5000$10000 20 after Ded 20 after Ded 20 after Ded Nothing $20$40$150 30 after Ded30 after Ded TakeCare OutshyNetWork $8666$22208 $3000$6000 $10000$20000 30 after Ded 30 after Ded 30 after Ded 1st $300ded 30 after Ded
71
High Deductible and ConsumershyDriven Health Plans See pages 64shy65 for an explanation of the columns on these pages
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Hawaii Aetna HealthFund shyCDHPshy All of Hawaii
Idaho
Aetna HealthFund shyCDHPshy Most of Idaho
Altius Health Plans shyHDHPshy Southern Region
Illinois
Aetna HealthFund shyCDHPshy Most of Illinois
Humana CoverageFirst shyCDHPshy Central Illinois
Humana CoverageFirst shyCDHPshy Chicago Area
Indiana
Aetna HealthFund shyCDHPshy All of Indiana
Humana CoverageFirst shyCDHPshy LakePorterLaPorte Counties
Iowa
Aetna HealthFund shyCDHPshy All of Iowa
Coventry Health Care of Iowa shyHDHPshy CentralEasternWestern Iowa
Kansas
Aetna HealthFund shyCDHPshy Most of Kansas
Coventry Health Care of Iowa shyHDHPshy CentralEasternWestern Iowa
Humana CoverageFirst shyCDHPshy Kansas City Area
Plan Name
877shy459shy6604
877shy459shy6604
800shy377shy4161
877shy459shy6604
888shy393shy6765
888shy393shy6765
877shy459shy6604
888shy393shy6765
877shy459shy6604
800shy257shy4692
877shy459shy6604
800shy969shy3343
888shy393shy6765
Telephone Number
Enrollment Code
JS1
H41
9K4
H41
GB1
MW1
JS1
MW1
H41
SV4
G51
9H1
PH1
Self only
JS2
H42
9K5
H42
GB2
MW2
JS2
MW2
H42
SV5
G52
9H2
PH2
Self amp family
22787
16237
8704
16237
12208
12208
22787
12208
16237
8970
21977
12747
10987
Self only
53701
38826
18033
38826
27163
27162
53701
27162
38826
21408
51861
29956
24447
Self amp family
66709
60028
35514
60028
49809
49809
66709
49809
60028
36598
65883
52008
44828
Self only
151489
13631
73576
136317
110827
110823
151489
110823
136317
87344
149613
122219
99744
Self amp family
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
72
Premium Benefit CY Ded Cat Limit Office Inpatient Outpatient Preventive Prescription Contribution Type SelfFamily SelfFamily Visit Hospital Surgery Services Drugs to HSAHRA Levels I II III Plan Name
Hawaii Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Idaho
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Altius Health Plans $4583$9166 $1250$2500 $5000$10000 $20 10 10 Nothing $7$25$50
Illinois
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirs outshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst outshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Indiana
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst outshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Iowa
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Coventry Health Care of Iowa $8333$16666 $2100$4200 $5000$10000 $25 15 45 Nothing $3 $10$45$70
Kansas
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Coventry Health Care of Kansas (Kansas City)shyHDHP $6666$13333 $2500$5000 $4000$8000 20 20 20 Nothing 202020
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst outshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
73
High Deductible and ConsumershyDriven Health Plans See pages 64shy65 for an explanation of the columns on these pages
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Kentucky
Aetna HealthFund shyCDHPshy Most of Kentucky
Humana CoverageFirst shyCDHPshy Lexington Area
Louisiana
Aetna HealthFund shyCDHPshy Most of Louisiana
Maine
Aetna HealthFund shyCDHPshy All of Maine
Maryland
Aetna HealthFund shyCDHPshy All of Maryland
CareFirst BlueChoice shyHDHPshy All of Maryland
Coventry Health Care HDHP shy All of Maryland
Massachusetts
Aetna HealthFund shyCDHPshy Most of Massachusetts
Michigan
Aetna HealthFund shyCDHPshy All of Michigan
Minnesota
Aetna HealthFund shyCDHPshy Most of Minnesota
Mississippi Aetna HealthFund shyCDHPshy Most of Mississippi
Plan Name
877shy459shy6604
888shy393shy6765
877shy459shy6604
877shy459shy6604
877shy459shy6604
888shy789shy9065
800shy833shy7423
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
Telephone Number
Enrollment Code
H41
6N1
F51
EP1
F51
B61
GZ1
EP1
G51
H41
H41
Self only
H42
6N2
F52
EP2
F52
B62
GZ2
EP2
G52
H42
H42
Self amp family
16237
10987
16322
20174
16322
14018
11980
20174
21977
16237
16237
Self only
38826
24447
39021
47770
39021
31268
26835
47770
51861
38826
38826
Self amp family
60028
44828
60115
64044
60115
57192
48880
64044
65883
60028
60028
Self only
136317
99744
136516
145440
136516
127574
109488
145440
149613
136317
136317
Self amp family
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
74
Premium Benefit CY Ded Cat Limit Office Inpatient Outpatient Preventive Prescription Contribution Type SelfFamily SelfFamily Visit Hospital Surgery Services Drugs to HSAHRA Levels I II III Plan Name
Kentucky
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst outshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Louisiana
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Maine
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Maryland
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
CareFirst BlueChoice InshyNetwork $3750$7500 $1500$3000 $4000$8000 Nothing $300 Nothing Nothing Nothing$30$60 CareFirst BlueChoice
Coventry Health Care HDHP
OutshyNetWork
InshyNetwork
$3750$7500
$4167$8334
$3000$6000
$2000$4000
$6000$12000
$4000$8000
$70
Nothing
$500
Nothing
$70
Nothing
Nothing
Nothing
Nothing$30$60
$3$15$30$60 Coventry Health Care HDHP OutshyNetWork $4167$8334 $2000$4000 $4000$8000 30 30 30 30 NA
Massachusetts
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Michigan
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Minnesota
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Mississippi Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
75
High Deductible and ConsumershyDriven Health Plans See pages 64shy65 for an explanation of the columns on these pages
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Missouri Aetna HealthFund shyCDHPshy Most of Missouri
Humana CoverageFirst shyCDHPshy Kansas City Area
Montana
Aetna HealthFund CDHP shy SouthSoutheastWestern MT Areas
Nebraska
Aetna HealthFund shyCDHPshy All of Nebraska
Nevada
Aetna HealthFund shyCDHPshy Las Vegas Area
New Hampshire
Aetna HealthFund shyCDHPshy All of New Hampshire
New Jersey
Aetna HealthFund shyCDHPshy All of New Jersey
New Mexico
Aetna HealthFund shyCDHPshy AlbuquerqueDona AnaHobbs Area
New York
Aetna HealthFund shyCDHPshy Most of New York
Independent Health Assoc shyHDHPshy Western New York
Plan Name
Coventry Health Care of Kansas (Kansas City)shyHDHP Kansas City Metro Area (KS and MO)
877shy459shy6604
800shy969shy3343
888shy393shy6765
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
877shy459shy6604
800shy501shy3439
Telephone Number
Enrollment Code
G51
9H1
PH1
H41
H41
G51
EP1
EP1
G51
EP1
QA4
Self only
G52
9H2
PH2
H42
H42
G52
EP2
EP2
G52
EP2
QA5
Self amp family
21977
12747
10987
16237
16237
21977
20174
20174
21977
20174
9575
Self only
51861
29956
24447
38826
38826
51861
47770
47770
51861
47770
24919
Self amp family
65883
52008
44828
60028
60028
65883
64044
64044
65883
64044
39066
Self only
149613
122219
99744
136317
136317
149613
145440
145440
149613
145440
101669
Self amp family
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
76
Premium Benefit CY Ded Cat Limit Office Inpatient Outpatient Preventive Prescription Contribution Type SelfFamily SelfFamily Visit Hospital Surgery Services Drugs to HSAHRA Levels I II III Plan Name
Missouri Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Coventry Health Care of Kansas (Kansas City)shyHDHP $8333$16666 $2500$5000 $3500$7000 20 20 20 Nothing 202020
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst OutshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Montana
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Nebraska
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Nevada
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
New Hampshire
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
New Jersey
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
New Mexico
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
New York
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Independent Health Assoc InshyNetwork $6642$16667 $2000$4000 $5000$10000 $15 Nothing 20 Nothing $7$25$40 Independent Health Assoc OutshyNetWork $6642$16667 $2000$4000 $5000$10000 40 40 40 Nothing NA
77
High Deductible and ConsumershyDriven Health Plans See pages 64shy65 for an explanation of the columns on these pages
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
North Carolina
Aetna HealthFund shyCDHPshy All of North Carolina
North Dakota
Aetna HealthFund shyCDHPshy Most of North Dakota
Ohio Aetna HealthFund shyCDHPshy All of Ohio
AultCare HMO shyHDHPshy StarkCarrollHolmesTuscarawasWayne Co
Oklahoma Aetna HealthFund shyCDHPshy All of Oklahoma
Oregon Aetna HealthFund shyCDHPshy Most of Oregon
Pennsylvania
Aetna HealthFund shyCDHPshy All of Pennsylvania
HealthAmerica Pennsylvania shy HDHP shy Greater Pittsburgh Area
UPMC Health Plan shyHDHPshy Western Pennsylvania
Rhode Island
Aetna HealthFund shyCDHPshy All of Rhode Island
South Carolina
Aetna HealthFund shyCDHPshy All of South Carolina
Plan Name
877shy459shy6604
877shy459shy6604
877shy459shy6604
330shy363shy6360
877shy459shy6604
877shy459shy6604
877shy459shy6604
866shy351shy5946
888shy876shy2756
877shy459shy6604
877shy459shy6604
Telephone Number
Enrollment Code
F51
H41
JS1
3A4
JS1
H41
H41
Y61
8W4
EP1
JS1
Self only
F52
H42
JS2
3A5
JS2
H42
H42
Y62
8W5
EP2
JS2
Self amp family
16322
16237
22787
8669
22787
16237
16237
12298
12448
20174
22787
Self only
39021
38826
53701
17501
53701
38826
38826
28345
28053
47770
53701
Self amp family
60115
60028
66709
35369
66709
60028
60028
50178
50788
64044
66709
Self only
136516
136317
151489
71405
151489
136317
136317
115650
114458
145440
151489
Self amp family
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
78
North Carolina
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
North Dakota
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Ohio Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
AultCare HMO InshyNetwork $8333$16666 $2000$4000 $4000$8000 20 20 20 Nothing 202020 AultCare HMO OutshyNetWork $8333$16666 $4000$8000 $8000$16000 40 UCR 40 UCR 40 UCR 50 UCR
Oklahoma Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Oregon Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Pennsylvania
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
HealthAmerica Pennsylvania shy HDHP $6250$125 $1500$3000 $4000$8000 $15 Nothing Nothing Nothing $5$35$50
UPMC Health Plan InshyNetwork $8333$$16667 $2000$4000 $3000$6000 10after deduct Nothing UPMC Health Plan OutshyNetWork $8333$16667 $2000$4000 $6000$12000 30after deduct 30 NA
Rhode Island
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
South Carolina
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Plan Name
Premium Contribution to HSAHRA
CY Ded SelfFamily
Cat Limit SelfFamily
Office Visit
Inpatient Hospital
Outpatient Surgery
Preventive Services
Prescription Drugs
Levels I II III
Benefit Type
20 Plan Allow20 Plan Allow 20 Plan Allow
$5 after deduct$35 after deduct
10After Deduct
10 after deduct
30After Deduct
30 after deduct
79
High Deductible and ConsumershyDriven Health Plans See pages 64shy65 for an explanation of the columns on these pages
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
South Dakota
Aetna HealthFund shyCDHPshy Rapid CitySioux Falls Area
Tennessee
Aetna HealthFund shyCDHPshy Most of Tennessee
Texas Aetna HealthFund shyCDHPshy All of Texas
Humana CoverageFirst shyCDHPshy Corpus Christi Area
Humana CoverageFirst shyCDHPshy San Antonio Area
Humana CoverageFirst shyCDHPshy Austin Area
Utah Aetna HealthFund shyCDHPshy Most of Utah
Altius Health Plans shyHDHPshy Wasatch Front
Vermont
Aetna HealthFund shyCDHPshy All of Vermont
Virginia Aetna HealthFund shyCDHPshy Most of Virginia
CareFirst BlueChoice shyHDHPshy Northern Virginia
Plan Name
877shy459shy6604
877shy459shy6604
877shy459shy6604
888shy393shy6765
888shy393shy6765
888shy393shy6765
877shy459shy6604
800shy377shy4161
877shy459shy6604
877shy459shy6604
888shy789shy9065
Telephone Number
Enrollment Code
G51
F51
JS1
TP1
TU1
TV1
G51
9K4
EP1
F51
B61
Self only
G52
F52
JS2
TP2
TU2
TV2
G52
9K5
EP2
F52
B62
Self amp family
21977
16322
22787
12208
12208
13429
21977
8704
20174
16322
14018
Self only
51861
39021
53701
27163
27162
29879
51861
18033
47770
39021
31268
Self amp family
65883
60115
66709
49809
49809
54790
65883
35514
64044
60115
57192
Self only
149613
136516
151489
110827
110823
121906
149613
73576
145440
136516
127574
Self amp family
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
80
Premium Benefit CY Ded Cat Limit Office Inpatient Outpatient Preventive Prescription Contribution Type SelfFamily SelfFamily Visit Hospital Surgery Services Drugs to HSAHRA Levels I II III Plan Name
South Dakota
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Tennessee
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Texas Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst OutshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst OutshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Humana CoverageFirst InshyNetwork $8333 $1000$2000 $4000$8000 $25 10 10 Nothing $10$40$60 Humana CoverageFirst OutshyNetwork NA $3000$6000 $7000$14000 40 40 40 30 $10+$40+$60+
Utah Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Altius Health Plans $5208$10415 $1250$2500 $5000$10000 $20 10 10 Nothing $7$25$50
Vermont
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60
Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Virginia Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
CareFirst BlueChoice InshyNetwork $3750$7500 $1500$3000 $4000$8000 Nothing $300 Nothing Nothing Nothing$30$60 CareFirst BlueChoice OutshyNetWork $3750$7500 $3000$6000 $6000$12000 $70 $500 $70 Nothing Nothing$30$60
81
High Deductible and ConsumershyDriven Health Plans See pages 64shy65 for an explanation of the columns on these pages
Your Maximum Monthly Premium
TCC 102 of your Total Monthly
Premium
Washington Aetna HealthFund shyCDHPshy Most of Washington
KPS Health Plans shyHDHPshy All of Washington
West Virginia Aetna HealthFund shyCDHPshy Most of West Virginia
Wisconsin Aetna HealthFund shyCDHPshy All of Wisconsin
Wyoming
Aetna HealthFund shyCDHPshy All of Wyoming
Altius Health Plans shyHDHPshy Uinta County
Plan Name
877shy459shy6604
800shy552shy7114
877shy459shy6604
877shy459shy6604
877shy459shy6604
800shy377shy4161
Telephone Number
Enrollment Code
G51
L14
F51
JS1
H41
9K4
Self only
G52
L15
F52
JS2
H42
9K5
Self amp family
21977
10262
16322
22787
16237
8704
Self only
51861
22425
39021
53701
38826
18033
Self amp family
65883
41871
60115
66709
60028
35514
Self only
149613
91494
136516
151489
136317
73576
Self amp family
The information contained in this Guide is not the official statement of benefits Each planrsquos Federal brochure is the official statement of benefits
82
Washington Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
KPS Health Plans InshyNetwork $6250$125 $1300$2600 $4000$8000 20 None 20 Nothing KPS Health Plans OutshyNetWork $6250$125 $1300$2600 $4000$8000 40 None 40 Not Covered Not Covered
West Virginia Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Wisconsin Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Wyoming
Aetna HealthFund CDHP InshyNetwork $8333$16666 $1000$2000 $4000$8000 15 15 15 Nothing $10$35$60 Aetna HealthFund CDHP OutshyNetwork $8333$16666 $1000$2000 $5000$10000 40 40 40 FundDed40 40+40+40+
Altius Health Plans $5208$10415 $1250$2500 $5000$10000 $20 10 10 Nothing $7$25$50
Plan Name
Premium Contribution to HSAHRA
CY Ded SelfFamily
Cat Limit SelfFamily
Office Visit
Inpatient Hospital
Outpatient Surgery
Preventive Services
Prescription Drugs
Levels I II III
Benefit Type
$10$35$50 30day $100 90day
83
______________________________________________________________________________________________________________
Medicaid and the Childrenrsquos Health Insurance Program (CHIP) Offer Free or LowshyCost Health Coverage to Children and Families
If you or your children are eligible for Medicaid or CHIP and you are eligible for health coverage from your employer your State may have a premium assistance program that can help pay for coverage These States use funds from their Medicaid or CHIP programs to help people who are eligible for these programs but also have access to health insurance through their employer If you or your children are not eligible for Medicaid or CHIP you will not be eligible for these premium assistance programs
If you or your dependents are already enrolled in Medicaid or CHIP and you live in a State listed below you can contact your State Medicaid or CHIP office to find out if premium assistance is available
If you or your dependents are NOT currently enrolled in Medicaid or CHIP and you think you or any of your dependents might be eligible for either of these programs you can contact your State Medicaid or CHIP office or dial 1shy877shyKIDS NOW or wwwinsurekidsnowgov to find out how to apply If you qualify you can ask the State if it has a program that might help you pay the premiums for an employershysponsored plan
Once it is determined that you or your dependents are eligible for premium assistance under Medicaid or CHIP as well as eligible under your employer plan your employer must permit you to enroll in your employer plan if you are not already enrolled This is called a ldquospecial enrollmentrdquo opportunity and you must request coverage within 60 days of being determined eligible for premium assistance If you have questions about enrolling in your employer plan you can contact the Department of Labor electronically at wwwaskebsadolgov or by calling tollshyfree 1shy866shy444shyEBSA (3272)
If you live in one of the following States you may be eligible for assistance paying your employer health plan premiums The following list of States is current as of January 31 2013 You should contact your State for further information on eligibility ndash
ALABAMA ndash Medicaid KANSAS ndash Medicaid Website httpwwwmedicaidalabamagov Phone 1shy855shy692shy5447
Website httpwwwkdheksgovhcf Phone 1shy800shy792shy4884
ALASKA ndash Medicaid KENTUCKY ndash Medicaid Website httphealthhssstateakusdpaprogramsmedicaid Phone (Outside of Anchorage) 1shy888shy318shy8890 Phone (Anchorage) 907shy269shy6529
Website httpchfskygovdmsdefaulthtm Phone 1shy800shy635shy2570
ARIZONA ndash CHIP LOUISIANA ndash Medicaid Website httpwwwazahcccsgovapplicants Phone (Outside of Maricopa County) 1shy877shy764shy5437 Phone (Maricopa County) 602shy417shy5437
Website httpwwwlahippdhhlouisianagov Phone 1shy888shy695shy2447
COLORADO ndash Medicaid MAINE ndash Medicaid Medicaid Website httpwwwcoloradogov Medicaid Phone (In state) 1shy800shy866shy3513 Medicaid Phone (Out of state) 1shy800shy221shy3943
Website httpwwwmainegovdhhsofipublicshyassistanceindexhtml Phone 1shy800shy977shy6740 TTY 1shy800shy977shy6741
FLORIDA ndash Medicaid MASSACHUSETTS ndash Medicaid and CHIP Website httpswwwflmedicaidtplrecoverycom Phone 1shy877shy357shy3268
Website httpwwwmassgovMassHealth Phone 1shy800shy462shy1120
GEORGIA ndash Medicaid MINNESOTA ndash Medicaid Website httpdchgeorgiagov Click on Programs then Medicaid then Health Insurance Premium Payent (HIPP) Phone 1shy800shy869shy1150
Website httpwwwdhsstatemnus Click on Health Care then Medical Assistance Phone 1shy800shy657shy3629
IDAHO ndash Medicaid and CHIP MISSOURI ndash Medicaid Medicaid Website wwwaccesstohealthinsuranceidahogov Medicaid Phone 1shy800shy926shy2588 CHIP Website wwwmedicaididahogov CHIP Phone 1shy800shy926shy2588
Website httpwwwdssmogovmhdparticipantspageshipphtm Phone 573shy751shy2005
INDIANA ndash Medicaid MONTANA ndash Medicaid Website httpwwwingovfssa Phone 1shy800shy889shy9949
Website httpmedicaidproviderhhsmtgovclientpages clientindexshtml Phone 1shy800shy694shy3084
IOWA ndash Medicaid NEBRASKA ndash Medicaid Website wwwdhsstateiaushipp Phone 1shy888shy346shy9562
Website wwwACCESSNebraskanegov Phone 1shy877shy383shy4278
84
Medicaid and the Childrenrsquos Health Insurance Program (CHIP) Offer Free or LowshyCost Health Coverage to Children and Families
NEVADA ndash Medicaid SOUTH CAROLINA ndash Medicaid Medicaid Website httpdwssnvgov Medicaid Phone 1shy800shy992shy0900
Website httpwwwscdhhsgov Phone 1shy888shy549shy0820
NEW HAMPSHIRE ndash Medicaid SOUTH DAKOTA ndash Medicaid Website httpwwwdhhsnhgovoiidocumentshippapppdf Phone 603shy271shy5218
Website httpdsssdgov Phone 1shy888shy828shy0059
NEW JERSEY ndash Medicaid and CHIP TEXAS ndash Medicaid Medicaid Website httpwwwstatenjushumanservices dmahsclientsmedicaid Medicaid Phone 609shy631shy2392 CHIP Website httpwwwnjfamilycareorgindexhtml CHIP Phone 1shy800shy701shy0710
Website httpswwwgethipptexascom Phone 1shy800shy440shy0493
NEW YORK ndash Medicaid UTAH ndash Medicaid and CHIP Website httpwwwnyhealthgovhealth_caremedicaid Phone 1shy800shy541shy2831
Website httphealthutahgovupp Phone 1shy866shy435shy7414
NORTH CAROLINA ndash Medicaid VERMONTndash Medicaid Website httpwwwncdhhsgovdma Phone 919shy855shy4100
Website httpwwwgreenmountaincareorg Phone 1shy800shy250shy8427
NORTH DAKOTA ndash Medicaid VIRGINIA ndash Medicaid and CHIP Website httpwwwndgovdhsservicesmedicalservmedicaid Phone 1shy800shy755shy2604
Medicaid Website httpwwwdmasvirginiagovrcpshyHIPPhtm Medicaid Phone 1shy800shy432shy5924 CHIP Website httpwwwfamisorg CHIP Phone 1shy866shy873shy2647
OKLAHOMA ndash Medicaid and CHIP WASHINGTON ndash Medicaid Website httpwwwinsureoklahomaorg Phone 1shy888shy365shy3742
Website httphrsadshswagovpremiumpymtApplyshtm Phone 1shy800shy562shy3022 ext 15473
OREGON ndash Medicaid and CHIP WEST VIRGINIA ndash Medicaid Website httpwwworegonhealthykidsgov httpwwwhijossaludablesoregongov Phone 1shy877shy314shy5678
Website wwwdhhrwvgovbms Phone 1shy877shy598shy5820 HMS Third Party Liability
PENNSYLVANIA ndash Medicaid WISCONSIN ndash Medicaid Website httpwwwdpwstatepaushipp Phone 1shy800shy692shy7462
Website httpwwwbadgercareplusorgpubspshy10095htm Phone 1shy800shy362shy3002
RHODE ISLAND ndash Medicaid WYOMING ndash Medicaid Website wwwohhsrigov Phone 401shy462shy5300
Website httphealthwyogovhealthcarefinequalitycare Phone 307shy777shy7531
To see if any more States have added a premium assistance program since January 31 2013 or for more information on special enrollment rights you can contact either
US Department of Labor Employee Benefits Security Administration wwwdolgovebsa 1shy866shy444shyEBSA (3272)
US Department of Health and Human Services Centers for Medicare amp Medicaid Services wwwcmshhsgov 1shy877shy267shy2323 Ext 61565
OMB Control Number 1210shy0137 (expires 09302013)
85