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BlueChoice AdvantageSummary of BenefitsServicesIn-Network You PayOut-of-Network You PayMATERNITYPreventive Prenatal and Postnatal Office Visits 20 per visitDeductible, then 20% of Allowed BenefitDelivery and Facility ServicesNo charge*Deductible, then 20% of Allowed BenefitNursery Care of NewbornNo charge*Deductible, then 20% of Allowed BenefitIn Vitro Fertilization Procedures 8(limited to 3 attempts per live birth up to 100,000 lifetime maximum)No charge*Deductible, then 20% of Allowed BenefitMENTAL HEALTH AND SUBSTANCE ABUSE (Members are responsible for applicable physician and facility fees)Inpatient Facility ServicesNo charge*Deductible, then 20% of Allowed BenefitInpatient Physician ServicesNo charge*Deductible, then 20% of Allowed BenefitOutpatient Facility Services 15 per visitDeductible, then 20% of Allowed BenefitOutpatient Physician Services 15 per visitDeductible, then 20% of Allowed BenefitOffice Visits 15 per visitDeductible, then 20% of Allowed BenefitMedication Management 15 per visitDeductible, then 20% of Allowed BenefitDurable Medical Equipment25% of Allowed BenefitDeductible, then 20% of Allowed BenefitHearing Aids for ages 0–18 (limited to 1 hearingaid per hearing impaired ear every 3 years)No charge*No charge*Routine Exam (limited to 1 visit/benefit period) 10 per visit at participatingvision providerTotal charge minus 33 Allowed BenefitEyeglasses and Contact LensesDiscounts from participating vision centersNot coveredMEDICAL DEVICES AND SUPPLIESVISIONNote: Allowed Benefit is the fee that participating providers in the network have agreed to accept for a particular service. The participating provider cannot charge themember more than this amount for any covered service. Example: Dr. Carson charges 100 to see a sick patient. To be part of CareFirst’s network, he has agreed to accept 50for the visit. The member will pay their copay/coinsurance and deductible (if applicable) and CareFirst will pay the remaining amount up to 50.* No copayment or coinsurance.** Applies to Services not specifically listed in the preivous Preventive Services chart1 W hen multiple services are rendered on the same day by more than one provider, Member payments are required for each provider.2 In-Network: When covered services are rendered in Maryland, Washington D.C. and/or Northern Virginia, collectively known as the CareFirst BlueChoice servicearea, by a provider in the CareFirst BlueChoice Provider network, care is reimbursed at the in-network level. In-network benefits are based on the CareFirst BlueChoiceAllowed Benefit. The CareFirst BlueChoice Allowed Benefit is generally the contracted rates or fee schedules that CareFirst BlueChoice providers have agreed to accept aspayment for covered services. These payments are established by CareFirst BlueChoice, Inc., however, in certain circumstances, an allowance may be established by law.Outside of the CareFirst BlueChoice service area, when covered services are rendered by a provider in the preferred provider network, care is also covered at the in-networklevel. These in-network benefits are based on the contracted rates or fee schedules that preferred providers have agreed to accept as payment for covered services that areestablished by the local Blue Cross and Blue Shield Plan, however, in certain circumstances, an allowance may be established by law.3 Out-of-Network: When covered services are rendered by a provider that is not in the CareFirst BlueChoice network in Maryland, Washington D.C. or Northern Virginia,or is not in the preferred provider network outside of CareFirst BlueChoice service area, the care is reimbursed as out-of-network. Out-of-network benefits are based on theAllowed Benefit. The Allowed Benefit is generally the contracted rates or fee schedules that are established by CareFirst BlueChoice, or the local Blue Cross and Blue ShieldPlan, however, in certain circumstances, an allowance may be established by law.4 For family coverage only: When one family member meets the individual deductible, they can start receiving benefits. Each family member cannot contribute more thanthe individual deductible amount. The family deductible must be met before the remaining family members can start receiving benefits.5 For Family coverage only: When one family member meets the individual out-of-pocket maximum, their services will be covered at 100% up to the Allowed Benefit. Eachfamily member cannot contribute more than the individual out-of-pocket maximum amount. The family out-of-pocket maximum must be met before the services for allremaining family members will be covered at 100% up to the Allowed Benefit.6 If you receive laboratory services inside the CareFirst Service area (Maryland, D.C., Northern Virginia) members should use LabCorp to receive In-Network benefits.Services performed by any other provider, while inside the CareFirst Service area will be considered out-of-network. If you receive laboratory services outside of Maryland,D.C. or Northern Virginia, you may use any participating BlueCard PPO laboratory and receive in-network benefits.7 T here are no limits for children under age 19 when Physical, Speech or Occupational Therapy is included as part of Habilitative Services.8 Members who are unable to conceive have coverage for the evaluation of infertility services performed to confirm an infertility diagnosis, and some treatment options forinfertility. Preauthorization required.Not all services and procedures are covered by your benefits contract. This summary is for comparison purposes only and does not create rights notgiven through the benefit plan.The benefits described are issued under form numbers: MD/CFBC/GC (R. 1/13); MD/CFBC/HPN/EOC (R. 6/10); MD/CFBC/DOL APPEAL (R. 9/11);MD/CFBC/PPN/ DOCS (R. 6/10); MD/CFBC/PPN SOB (R. 6/10); MD/CFBC/ELIG (R. 7/09); MD/CFBC/RX (R. 7/12) and any amendments.Montgomery County Public Schools—Health Benefit Options 5

BlueChoice HMO Open AccessAn HMO plan with no referrals requiredWith a BlueChoice HMO Open Access plan, your primary care provider (PCP) providespreventive care and works with you to find specialty care using a large network of CareFirstBlueChoice specialists. However, unique to this plan is its Open Access feature whichallows you to visit specialists directly without needing a referral from your PCP.Take advantage of your benefits Choose from more than 35,000 providers,specialists and hospitals in Maryland,Washington, D.C. and Northern Virginia HMO plans encourage you to establish arelationship with your PCP for consistent,quality care No PCP referral required to see a specialist Receive comprehensive coverage for preventivehealth care visits at no cost Avoid the unwelcome surprise of high medicalcosts with predictable copays and deductibles(if applicable) Access the Away From Home Care program toenjoy plan benefits if you’re out of the area forat least 90 daysHow your plan worksEstablishing a relationship with one provider is the bestway for you to receive consistent, quality health care.When you enroll in a BlueChoice HMO Open Access plan,you will select a PCP to manage your primary medicalcare. Make sure you select a PCP for not only yourselfbut each of your family members as well. Your PCP mustparticipate in the CareFirst BlueChoice provider networkand must specialize in either family practice, generalpractice, pediatrics or internal medicine.With this plan, you have direct access to CareFirstBlueChoice specialists without needing to obtain a referralfrom your PCP. However, to ensure you take advantage oflower out-of-pocket costs, we encourage you to first callyour PCP when you need care.FOL5088-9P6 Montgomery County Public Schools—Health Benefit OptionsThe BlueChoice HMOplan achieved a“Commendable” ratingfrom the NationalCommittee for QualityAssuarcnce (NCQA).

BlueChoice HMO Open AccessAn HMO plan with no referrals requiredYour PCP can: Provide basic medical care Prescribe any medications you need Maintain your medical history Work with you to determine when you shouldsee a specialist Assist you in the selection of a specialist,if neededMake sure you only receive care from a CareFirstBlueChoice provider or you will not be covered, with theexception of emergency services and follow-up care afteremergency surgery.Your benefitsStep 1: Meet your deductible (if applicable)If your plan requires you to meet a deductible, you willbe responsible for the entire cost of services up to theamount of your deductible. Once your deductible issatisfied, your BlueChoice HMO Open Access coverage willbecome available to you. Some services do not requireyou to meet a deductible first.If more than one person is covered under your plan, oncethe total deductible amount is satisfied, the plan willstart to make payments for everyone covered. Deductiblerequirements can vary based on your coverage level (e.g.individual, family) as well as the specific plan selected.Members should refer to their Evidence of Coverage fordetailed deductible information.Step 2: Your plan will start to pay for servicesAfter you satisfy your deductible (if applicable), your planwill start to pay for covered services, as long as you visitparticipating CareFirst BlueChoice providers and facilities.Depending on your particular plan, you may have to pay acopay or coinsurance when you receive care.Step 3: Your out-of-pocket maximumcopays and/or coinsurance will count toward your out-ofpocket maximum.If more than one person is covered under your BlueChoiceHMO Open Access plan, once the family out-of-pocketmaximum is satisfied, no copays or coinsurance amountswill be required for anyone covered under your plan.Out-of-pocket maximum requirements vary based on yourcoverage level (e.g. individual, family). Members shouldrefer to their Certificate or Evidence of Coverage fordetailed out-of-pocket maximum information.Laboratory servicesTo receive the maximum laboratory benefit from yourBlueChoice HMO Open Access plan, you must use aLabCorp facility for any laboratory services. Servicesperformed at a facility that is not part of the LabCorpnetwork may not be covered under your plan. Also, anylab work performed in an outpatient hospital setting willrequire a prior authorization from your PCP.LabCorp has approximately 100 locations throughoutMaryland, Washington, D.C. and Northern Virginia. Tolocate the LabCorp patient service center near you, call888-522-2677 (LAB-CORP) or visit www.labcorp.com.Out-of-area coverageOut-of-area coverage is limited to emergency orurgent care only. However, members and their covereddependents planning to be out of the CareFirstBlueChoice, Inc. service area for at least 90 consecutivedays may be able to take advantage of a special program,Away From Home Care.This program allows temporary benefits through anotherBlue Cross and Blue Shield affiliated HMO. It providescoverage for routine services and is perfect for extendedout-of-town business or travel, semesters at school orfamilies living apart. For more information on Away FromHome Care, please call Member Services at the phonenumber listed on your identification card.Your out-of-pocket maximum is the maximum amount youpay during your benefit period. Should you reach yourout-of-pocket maximum, CareFirst BlueChoice, Inc. willthen pay 100% of the allowed benefit for covered servicesfor the remainder of the benefit period. Any amountyou pay toward your deductible (if applicable) and mostMontgomery County Public Schools—Health Benefit Options 7

BlueChoice HMO Open AccessSummary of BenefitsServicesIn-Network You PayVisit www.carefirst.com/doctor to locate providersFIRSTHELP—24/7 NURSE ADVICE LINEFree advice from a registered nurse. Visitwww.carefirst.com/needcare to learn moreabout your options for care.When your doctor is not available, call FirstHelp at 800-535-9700 to speak with aregistered nurse about your health questions and treatment options.PREVENTIVE SERVICES**Well-Child Care(including exams & immunizations) 10 PCP/ 15 SpecialistAdult Physical Examination(including routine GYN visit) 10 PCP/ 15 SpecialistBreast Cancer Screening 10 PCP/ 15 SpecialistPap TestNo charge*Prostate Cancer Screening 10 PCP/ 15 SpecialistColorectal Cancer Screening 10 PCP/ 15 SpecialistOFFICE VISITS, LABS AND TESTINGOffice Visits for Illness 10 PCP/ 15 Specialist per visitImaging (MRA/MRS, MRI, PET & CAT scans)2No charge*LabNo charge*2X-ray2No charge*Allergy Testing 15 PCP/ 25 Specialist per visitAllergy ShotsPhysical, Speech and Occupational Therapy(limited to 30 visits/injury/benefit period) 10 PCP/ 15 Specialist per visit6Chiropractic (limited to 20 visits/benefit period) 15 per visit 15 per visitEMERGENCY SERVICESUrgent Care Center 15 per visitEmergency Room—Facility Services 100 per visit (waived if admitted)Emergency Room—Physician ServicesNo charge*Ambulance (if medically necessary)No charge*HOSPITALIZATION (Members are responsible for applicable physician and facility fees)Outpatient Facility ServicesNo charge*Outpatient Physician ServicesNo charge*Inpatient Facility ServicesNo charge*Inpatient Physician ServicesNo charge*HOSPITAL ALTERNATIVESHome Health CareNo charge*HospiceNo charge*Skilled Nursing FacilityNo charge*8 Montgomery County Public Schools—Health Benefit Options

BlueChoice HMO Open AccessSummary of BenefitsServicesIn-Network You PayMATERNITYPreventive Prenatal and Postnatal Office Visits 15 per visitDelivery and Facility ServicesNo charge*Nursery Care of NewbornNo charge*Artificial and Intrauterine Insemination4(limited to 6 attempts per live birth)50% of the Allowed BenefitIn Vitro Fertilization Procedures 4(limited to 3 attempts per live birth up to 100,000 lifetime maximum)50% of the Allowed BenefitMENTAL HEALTH AND SUBSTANCE ABUSE (Members are responsible for applicable physician and facility fees)Inpatient Facility ServicesNo charge*Inpatient Physician ServicesNo charge*Outpatient Facility ServicesNo charge*Outpatient Physician Services 10 per visitOffice Visits 10 per visitMedication Management 10 per visitMEDICAL DEVICES AND SUPPLIESDurable Medical Equipment25% of Allowed BenefitHearing Aids for ages 0-18 (limited to 1 hearingaid per hearing impaired ear every 3 years)No charge*Note: Allowed Benefit is the fee that participating providers in the network have agreed to accept for a particular service. The participating provider cannot charge the membermore than this amount for any covered service. Example: Dr. Carson charges 100 to see a sick patient. To be part of CareFirst’s network, he has agreed to accept 50 for thevisit. The member will pay their copay/coinsurance and deductible (if applicable) and CareFirst will pay the remaining amount up to 50.* No copayment or coinsurance.** Applies to Services not specifically listed in the preivous Preventive Services chart1 W hen multiple services are rendered on the same day by more than one provider, Member payments are required for each provider.2Members who reside in the CareFirst service area must use LabCorp as their Lab Test facility and freestanding facilities for Imaging and X-rays.3There are no limits for children under age 19 when Physical, Speech or Occupational Therapy is included as part of Habilitative Services.4 Members who are unable to conceive have coverage for the evaluation of infertility services performed to confirm an infertility diagnosis, and some treatment options forinfertility. Preauthorization required.Note: Upon enrollment in CareFirst BlueChoice, you will need to select a Primary Care Provider (PCP). To select a PCP, go to www.carefirst.com forthe most current listing of PCPs from our online provider directory. You may also call the Member Services toll free phone number on the front of yourCareFirst BlueChoice ID card for assistance in selecting a PCP or obtaining a printed copy of the CareFirst BlueChoice provider directory.Not all services and procedures are covered by your benefits contract. This summary is for comparison purposes only and does not create rights not giventhrough the benefit plan.The benefits described are issued under form numbers: MD/CFBC/GC (R. 1/13); MD/CFBC/EOC (R. 4/08); MD/CFBC/DOL APPEAL (R. 9/11); MD/CFBC/DOCS (R. 4/08); MD/BC-OOP/SOB (R. 4/08); MD/CFBC/ELIG (R.7/09); MD/CFBC/RX (R. 7/12) and any amendments.Montgomery County Public Schools—Health Benefit Options 9

Preferred DentalIncludes access to a national provider networkCareFirst BlueCross BlueShield (CareFirst) and CareFirst BlueChoice, Inc. (CareFirst BlueChoice)1offer Preferred (PPO) Dental coverage, which allows you the freedom to see any dentistyou choose.Advantages of the plan Option 3—You can receive out-of-networkcoverage from a dentist who has no relationshipwith CareFirst. With this option, you mayexperience higher out-of-pocket costs sinceyou pay your provider directly. You can bebalance billed and must pay your deductible andcoinsurance as well. Freedom of choice, freedom to save—WithPreferred Dental coverage, you can see anydentist you choose. However, this plan also givesyou the option to reduce your out-of-pocketexpenses by visiting a dentist who participates inour Preferred Provider network. It’s your choice! Comprehensive coverage—Benefits includeregular preventive care, X-rays, dental surgeryand more. A summary of your benefits isavailable on the following page. (Additionalcoverage for orthodontia may be included—askyour benefits manager for details).Frequently asked questionsHow do I find a preferred dentist?You can access an online directory 24 hours a day atwww.carefirst.com/doctor. Click on the Dental tab,followed by Preferred Dental (PPO). Nationwide access to participating dentists—You have access to one of the nation’s largestdental networks, with more than 95,000participating dentists throughout the UnitedStates. Preferred Dental gives you coverage forthe dental services you need, whenever andwherever you need them.Three options for care Option 1—By choosing a dentist in the PreferredProvider Network, you incur the lowest out-ofpocket costs. These dentists accept CareFirst’sallowed benefit as payment in full, which meansno balance billing for you. Option 2—You can receive out-of-networkcoverage from a dentist who participates withCareFirst, but not through the Preferred ProviderNetwork. Similar to Option 1, there is nobalance billing. You are responsible for out-ofnetwork deductibles and coinsurance, and alsohave the convenience of your provider beingreimbursed directly.CST2924-1P C10 Montgomery County Public Schools—Health Benefit OptionsHow much will I have to pay for dentalservices?The chart on the following page gives you an overview ofmany of the covered services along with the percentage ofwhat you will pay for each class of services, both in andout-of-network.Is there a lot of paperwork?There is no paperwork when you see a participatingdentist, you are free from filing claims. However, if you usea non-participating dentist, you may be required to pay allcosts at the time of care, and then submit a claim form inorder to be reimbursed for covered services.Who can I call with questions about mydental plan?Call Dental Customer Service toll free at: 888-755-2657between 8:30 am and 5:15 pm ET, Monday–Friday.1 he CareFirst BlueChoice Dental Plan is offered in conjunction withTGroup Hospitalization and Medical Services, Inc., doing business asCareFirst BlueCross BlueShield, which contracts with participating dentistsand provides claims processing and administrative services under theDental Plan.

Preferred DentalSummary of BenefitsIn-NetworkYou PayMAXIMUM ANNUAL BENEFITOut-of-NetworkYou Pay 2,000(combined in-and out-of-network)ANNUAL DEDUCTIBLE Class INoneNone Class II & Class III 50 100 Class IV & Class V 50 100No charge120% of Allowed Benefit1Deductible, thenno charge1Deductible, then 20%A

Step 3: Your out-of-pocket maximum or out-of-pocket limit is the maximum amount you'll pay during your benefit period Should you ever reach your out-of-pocket limit, CareFirst will then pay 100% of the allowed benefit for all covered services for the remainder of the benefit period. Any amount you pay towards your deductible and most copays .