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NMSU PPO & Medicare Carve-outBlue Cross and Blue Shield of New Mexico (BCBSNM)

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NMSU RetireesNMSU Preferred Provider Option PPO PlanNon-Medicare Eligible Retirees

NMSU Carveout PlanMedicare Eligible Retirees

Two Plans are available:

Nationwide coverage when traveling or living outside of home stateWorldwide coveragewhen traveling in more than 195 countries more than 5,300 hospitals nationwide networkNationwide, more than 95% of hospitals and 85% of doctorsOver 20,000 contracted providers in New Mexico

more than 896,000providers Preferred Providers - PPO3You receive the highest level of benefits when you see a provider in the BCBSNM network of contracted providers BCBS ID card accepted in lieu of payment in fullNo balance billingProvider files claim for youYou receive a lower level of benefits when you see an out-of-network providerYou are responsible for paying the provider up frontYou will be billed for the remaining balance over the allowed amountYou are responsible for getting prior authorization

When You Choose a Network Provider PPO4

4In-Network out-of-pocket maximum $3,500 Individual/$8,750 Family

Out-of-Network out-of-pocket maximum $5,500 Individual/$13,750 Family

Out-of-Network Deductible $1,000 Individual/$3,000 FamilyWhats New for January 1, 2014 - PPO55Benefits - PPOMember SharePreferred ProviderNon-Preferred ProviderDeductibleIndividual$ 500$1,000Family$1,500$3,000Out-of-Pocket MaximumIndividual$3,500$5,500Family$8,750$13,750Primary Provider Office Visit$25 (deductible waived)40%*Specialist Visit$3540%*Preventive Care / Well VisitsNo ChargeNot CoveredInpatient Admission25%*40%*Emergency Room25%*Urgent Care25%*40%*Pet Scans, CT Scans, MRIs, Lab Tests, X-rays, including EKGs25%40%**After deductible6Retail Pharmacy Program - PPO

7Mail-order copay is 2 times the monthly cost88Self Service: Blue Access for MembersMembers can:Check status of claimsView Explanations of BenefitsCommunicate with Customer Advocates through e-mailView provider selectionsOrder new ID cards or print temporary copyLink to Wellness site (Well onTarget)

Claims and Customer Service

88Blue Access for Members is a secure portion of our Web site that allows members to access their personal membership and claims information. Members may: check the status of a claim view Explanations of Benefits; prevent EOB mailingsreceive e-mail notification when claims are filedview provider selectionsconfirm covered dependentsorder replacement ID cards and print a temporary ID cardsend an e-mail inquiry to Customer Service (Currently, members can send emails to Customer Service, and a Customer Advocate can respond either by phone or U.S. mail. Later in 2006, two-way secure e-mail messaging capabilities will be rolled out enterprise-wide. Our Customer Advocates can actually correspond back and forth with members through their secure BAM mailbox. Currently in pilot phase.)Blue Access is also the doorway to other health benefits tools, such as:the Treatment Cost Advisorhospital comparison toolPersonal health manager (only available with Blue Care Connection Program)And health risk assessment (only available with Blue Care Connection Program)Details on those tools are coming up.FOR SPEAKERS INFORMATION ONLY: [Blue Access is available 7 days a week, from 6 a.m. to 3 a.m.] Also, the Personal Health Manager and Health Risk Assessment are only available for members who are enrolled in Blue Care Connection.

The NEW Integrated Provider Finder9Quick and Easy Ways to find Providers and Treatment CostsLog-in to bcbsnm.com/BlueAccess for MembersNational quality designations for facilities and physicians nationwideUsers can view patient reviews on physiciansor submit one of their ownEnhanced provider demographics addedEstimate the cost of providers procedures, treatments and tests.Cost estimates are based on real claims data of all BCBS plans and National.

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Cost Estimator Features - PPO13Cost for over 300 specific procedures Quality measurement informationLearn More about this Treatment (alternatives to surgery)Alternative options:Lower costCloser locationsAlternative to hospitalsCOMING in November 2013Member Liability Estimator - displays expected member out-of-pocket costs based on specific benefit plan, episodic contracted cost information, and real-time deductible and coinsurance

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My Coverage includes benefit highlights.Review secure messagesMy Claim Activity displays recent claims, or go to the Claims Center for all your claim detailsQuick Links to request replacement cards, download forms and moreForm Finder easier to view and find specific forms for membersBAM is password protected and gives you immediate, secure access to your account information.

Blue365Member Discount Program 18Weight Management Discounts at Jenny Craig on membership and foodVision Care and Eyewear Discounts on eyewear, contact lenses and laser vision correction surgeryDental Products Discounts on Procter & Gamble oral care bundles.

Hearing Aids Discounts on hearing aids for members, parents and grandparents

Under the My Health tab

24/7 NurselineAdvice anytime Round-the-clock health and wellness advice from licensed professionals1-800-973-6329

Our 24/7 Nurseline is here to helpNurses provide health advice and information AudioHealth Library includes topics such as kicking the smoking habitAvailable in English and Spanish

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What if I Have Questions?Claim questions/statusNetwork provider informationMembership and eligibility Medical coverage questionsInquiries (telephone and e-mail)Transition of Care information ID card requestsHelp with online tools1-866-369-NMSU (6678)Toll-freeCustomer Service

Personalized ServiceCall your customer service team for:20NMSU Medicare Carveout Plan No changes

Low or no out-of-pocket costsFreedom to choose your providersNo referrals requiredNo claims to fileWorldwide Coverage for EmergencyMany non-Medicare covered services provided21NMSU Medicare Carveout Plan

No DeductibleNo CoinsuranceNo Co-paymentsNo referrals required22When a Provider Accepts Medicare Assignment: Medicare Carveout PlanWhen provider does NOT accept Medicare assignment

When services are NOT covered by Medicare, but ARE plan benefits23ORExample: Acupuncture is not covered by Medicare.$140 Calendar year deductible20% Coinsurance$1500 Annual out-of-pocket maximum Prior Authorization from BCBS applies

What if I Have Questions? Medicare Carveout medical Claim questions/statusNetwork provider informationMembership and eligibility Medical coverage questionsInquiries (telephone and e-mail)Transition of Care information ID card requestsHelp with online tools1-866-369-NMSU (6678)Toll-freeCustomer Service

Personalized ServiceCall your customer service team for:24

Medicare Blue RX(Medicare Part D Prescription Drug Plan) Eligibility MedicareNMSU eligible retiree/spouse /dependentEnrollment in the Medicare Carve Out (MCO) plan is required upon reaching Medicare eligibility to continue coverage through NMSUUpon reaching Medicare eligibility, usually age 65.Not enrolled in any other Medicare Prescription Drug Plan (PDP).If the retiree/spouse/dependent is eligible for Medicare prior to reaching age 65, the retiree/spouse must contact NMSU Benefit Services and provide a copy of the Medicare A&B card

261. Membership/Enrollment Timeliness Measures the timeliness and efficiency of the plans completion of subscribers application and, subscribers required enrollment materials.2. Membership/Enrollment Accuracy Measures the member and group enrollment quality and process.3. Claims Timeliness Measures the percent of non-investigated claims finalized within 14 days.4. Claims Financial Accuracy Determines the percent of claim dollars paid accurately.5. Customer Service ASA Measures the average answer time for member calls.6. Customer Abandonment Rate Measures the number of calls lost due to customer hanging up.Non-Medicare Retirees Aging inMCO plan include Medicare Part D prescription planNMSU will mail you a packet containing the Medicare Part D information at least forty-five days prior to your birthday month.NMSU will automatically enroll you in Blue Medicare Rx and Medicare Carveout program once they have received confirmation of Medicare Part A and Medicare Part B enrollment from you.NMSU must have proof of Medicare Part A & B enrollment prior to the effective date of MedicareNew Enhanced Plus BlueMedicareRX- MedicareEffective 1/1/2014 Preferred and nonPreferred pharmacy copays.Preferred Pharmacies CVS, Albertsons and WalMart.All other pharmacies are considered nonPreferred.

281. Membership/Enrollment Timeliness Measures the timeliness and efficiency of the plans completion of subscribers application and, subscribers required enrollment materials.2. Membership/Enrollment Accuracy Measures the member and group enrollment quality and process.3. Claims Timeliness Measures the percent of non-investigated claims finalized within 14 days.4. Claims Financial Accuracy Determines the percent of claim dollars paid accurately.5. Customer Service ASA Measures the average answer time for member calls.6. Customer Abandonment Rate Measures the number of calls lost due to customer hanging up.NEW Enhanced Plus Blue MedicareRX Preferred Pharmacies 5-tierBenefitEnhanced Plus PlanIndividual Deductible $0Preferred PharmacyNonPreferred PharmacyTier 1 - Preferred Generic$0 copay$5 copay no changeTier 2 - Non-Preferred Generic$2 copay$7 copay Tier 3 Preferred Brand$25 copay$30 copay- no changeTier 4 Non-Preferred Brand$55 copay$60 copay no changeTier 5 Specialty33%33% - no changeAfter your total out-of-pocket costs exceed $4,550You pay the greater of: $2.55 or 5%, whichever is greater, for Generic/NonPreferred Generic and $6.35 or 5% coinsurance, whichever is greater, for all other classes. ** Copayments shown are per 30-day supply at an in-network pharmacy. For more detailed information on this benefit plan, please refer to your Summary of Benefit.

Mentally or Physically impaired Dependents - Medicare

If your dependent child loses Medicaid eligibility as secondary coverage (Dependent has Medicare as the primary coverage) you may add them to the NMSU medical and Blue MedicareRX within 31 days of the loss of coverage.

You must provide proof of loss to NMSUs Benefits OfficeTermination - MedicareYou can terminate your coverage at Open Enrollment or terminate by enrolling under another Part D plan outside of NMSU and providing that proof of enrollment.If you pick up another Medicare Part D prescription plan outside of NMSU, you will be dis-enrolled from the NMSU MCO and Blue Medicare Rx plan automatically, per CMS requirements.Once you have been dis-enrolled from the NMSU plans, either voluntarily or involuntarily, you will not be eligible to re-enroll at a later date.

Pharmacy (continued) - MedicareFor a complete list of our retail, network and preferred network pharmacies

What pharmacy can I use? Call 1-877-838-3877, 7 days a week, 7 a.m. 7 p.m., Local time. For the hearing or speech impaired, please call 1-888-285-2252

Or visit www.bcbsnm.com Resources - MedicareMedicare Blue RX

Call 1-877-838-3877, 7 days a week, 7 a.m. 7 p.m., CST

For the hearing or speech impaired, please call 1-888-285-2252 days a week, 7 a.m. 7 p.m., CST

Visit www.bcbsnm.com

MedicareCall 1-800-MEDICARE (1-800-633-4227) 24 hours a day

TTY/TDD Users: 1-877-486-2048, 24 hours a day

Visit www.medicare.gov

Resources (continued) MedicareSocial Security Call 1-877-772-1213, 7 a.m. 7 p.m. Monday- Friday

TTY/TDD Users: 1-800-325-0778, 7 a.m. 7 p.m. Monday-Friday

Visit www.socialsecurity.gov Blue365Member Discount Program 35Weight Management Discounts at Jenny Craig on membership and foodVision Care and Eyewear Discounts on eyewear, contact lenses and laser vision correction surgeryDental Products Discounts on Procter & Gamble oral care bundles.

Hearing Aids Discounts on hearing aids for members, parents and grandparents

Under the My Health tab

24/7 NurselineAdvice anytime Round-the-clock health and wellness advice from licensed professionals1-800-973-6329

Our 24/7 Nurseline is here to helpNurses provide health advice and information AudioHealth Library includes topics such as kicking the smoking habitAvailable in English and Spanish

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Administered by: Blue Cross and Blue Shield of New Mexico, a Division of Health Care Service Corporation, a Mutual Legal Reserve Company, an Independent Licensee of the Blue Cross and Blue Shield Association

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