WIXLIB

Covered Medical BenefitsCost if you use anIn-Network ProviderCost if you use aNon-Network ProviderEmergency Room Facility ServicesCopay waived if admitted. 150 copay per visit andthen 20% coinsurance.Deductible does not apply 150 copay per visit andthen 20% coinsurance.Deductible does not applyEmergency Room Doctor and Other Services20% coinsurance afterdeductible is met40% coinsurance afterdeductible is metEmergency Room Mental/Behavioral Healthand Substance Abuse Doctor Services20% coinsurance afterdeductible is met40% coinsurance afterdeductible is metEmergency Ambulance (Air and Ground)20% coinsurance afterdeductible is met40% coinsurance afterdeductible is met20% coinsurance afterdeductible is met40% coinsurance afterdeductible is metFacility Fees20% coinsurance afterdeductible is met40% coinsurance afterdeductible is metDoctor Services20% coinsurance afterdeductible is met40% coinsurance afterdeductible is metHospital20% coinsurance afterdeductible is met40% coinsurance afterdeductible is metFreestanding Surgical Center20% coinsurance afterdeductible is met40% coinsurance afterdeductible is metHospital20% coinsurance afterdeductible is met40% coinsurance afterdeductible is metFreestanding Surgical Center20% coinsurance afterdeductible is met40% coinsurance afterdeductible is metOutpatient Mental/Behavioral Health and Substance AbuseDoctor Office VisitFacility visit:Outpatient SurgeryFacility fees:Doctor and Other Services:Hospital Stay (all inpatient stays including Maternity, Mental / Behavioral Health, and Substance Abuse)Facility fees (for example, room & board)Coverage for Inpatient physical medicine and rehabilitationincluding day rehabilitation programs is limited to 60 dayscombined per benefit period. Limit is combined In-Networkand Out-of-Network.20% coinsurance afterdeductible is met40% coinsurance afterdeductible is metDoctor and other services20% coinsurance afterdeductible is met40% coinsurance afterdeductible is met20% coinsurance afterdeductible is met40% coinsurance afterdeductible is metRecovery & RehabilitationHome Health CareCoverage is unlimited visits per benefit period.15

Covered Medical BenefitsCost if you use anIn-Network ProviderCost if you use aNon-Network ProviderRehabilitation services (for example, physical/speech/occupational therapy):OfficeCoverage for Occupational Therapy is unlimited visitsper benefit period, Physical Therapy is unlimited visitsper benefit period and Speech Therapy is unlimited visitsper benefit period.20% coinsurance afterdeductible is met40% coinsurance afterdeductible is metOutpatient HospitalCoverage for Occupational Therapy is unlimited visitsper benefit period, Physical Therapy is unlimited visitsper benefit period and Speech Therapy is unlimited visitsper benefit period.20% coinsurance afterdeductible is met40% coinsurance afterdeductible is metHabilitation services (for example, physical/speech/occupational therapy):OfficeCoverage for Occupational Therapy is unlimited visits perbenefit period, Therapy is unlimited visits per benefit periodand Speech Therapy is unlimited visits per benefit period.20% coinsurance afterdeductible is met40% coinsurance afterdeductible is metOutpatient HospitalCoverage for Occupational Therapy is unlimited visitsper benefit period, Physical Therapy is unlimited visitsper benefit period and Speech Therapy is unlimited visitsper benefit period.20% coinsurance afterdeductible is met40% coinsurance afterdeductible is metOfficeCoverage is unlimited visits per benefit period.20% coinsurance afterdeductible is met40% coinsurance afterdeductible is metOutpatient HospitalCoverage is unlimited visits per benefit period.20% coinsurance afterdeductible is met40% coinsurance afterdeductible is metSkilled Nursing Care (in a facility)Coverage is unlimited visits per benefit period.20% coinsurance afterdeductible is met40% coinsurance afterdeductible is metHospice20% coinsurance afterdeductible is met40% coinsurance afterdeductible is metDurable Medical Equipment20% coinsurance afterdeductible is met40% coinsurance afterdeductible is metProsthetic DevicesCoverage for wigs after cancer treatment is limited to 1 item perbenefit period. Limit is combined In-Network and Out-of-Network.20% coinsurance afterdeductible is met40% coinsurance afterdeductible is metCardiac rehabilitation16

PharmacyCovered Prescription Drug BenefitsCost if you use anIn-Network ProviderCost if you use aNon-Network ProviderPharmacy DeductibleNot applicableNot applicablePharmacy Out of PocketCombined with In- Networkmedical out of pocketmaximumNot applicablePrescription Drug CoverageSelect Drug ListThis product has a 90-day Retail Pharmacy Network available. A 90 day supply is available at most retail pharmacies.Tier 1 - Typically GenericCovers up to a 30 day supply (retail pharmacy). Covers upto a 90 day supply (home delivery program). Covers up to90 day supply (retail maintenance pharmacy). No coveragefor non-formulary drugs. 15 copay per prescription(retail only) and 37.50 copayper prescription, pharmacy(home delivery)Not coveredTier 2 - Typically Preferred BrandCovers up to a 30 day supply (retail pharmacy). Covers upto a 90 day supply (home delivery program). Covers up to90 day supply (retail maintenance pharmacy). No coveragefor non-formulary drugs. 30 copay per prescription(retail only) and 75 copay perprescription (home delivery)Not coveredTier 3 - Typically Non-Preferred BrandCovers up to a 30 day supply (retail pharmacy). Covers upto a 90 day supply (home delivery program). Covers up to90 day supply (retail maintenance pharmacy). No coveragefor non-formulary drugs. 50 copay per prescription(retail only) and 125 copayper prescription (homedelivery)Not covered17

Pediatric Vision Limited to covered persons under the age of 19.Covered Vision BenefitsCost if you use anIn-Network ProviderCost if you use aNon-Network ProviderThis is a brief outline of your vision coverage. Not all cost shares for covered services are shown below. Benefits include coveragefor member’s choice of eyeglass lenses or contact lenses, but not both. For a full list, including benefits, exclusions and limitations,see the combined Evidence of Coverage/Disclosure form/Certificate. If there is a difference between this summary and either Evidenceof Coverage/Disclosure form/Certificate, the Evidence of Coverage/Disclosure form/Certificate will prevail.Children’s Vision Essential Health Benefits (up to age 19)Child Vision DeductibleNot applicableNot applicableVision examCoverage for In-Network Providers and Out-of-NetworkProviders is limited to 1 exam per benefit period.No chargeReimbursed up to 30FramesCoverage for In-Network Providers and Out-of-NetworkProviders is limited to 1 unit per benefit period. 0 copay, formularyReimbursed up to 45 25 Reimbursement forSingle Vision Lenses;LensesCoverage for In-Network Providers and Out-of-NetworkProviders is limited to 1 unit per benefit period. 0 copay 45 Reimbursement forBifocal Vision Lenses; 55 Reimbursement forTrifocal Vision Lenses; 70 Reimbursement forLenticular Vision LensesElective Contact LensesCoverage for In-Network Providers and Out-of-NetworkProviders is limited to 1 unit per benefit period.No chargeReimbursed Up to 60Non-Elective Contact LensesCoverage for In-Network Providers and Out-of-Networkroviders is limited to 1 unit per benefit period.No chargeReimbursed Up to 210Not coveredNot coveredAdult VisionPlease visit valpo.myahpcare.com for information on availablevoluntary vision plans.18

Pediatric Dental Limited to covered persons under the age of 19.Covered Dental BenefitsCost if you use anIn-Network ProviderCost if you use aNon-Network ProviderThis is a brief outline of your dental coverage. Not all cost shares for covered services are shown below. For a full list, including benefits,exclusions and limitations, see the combined Evidence of Coverage/Disclosure form/Certificate. If there is a difference between thissummary and either Evidence of Coverage/Disclosure form/Certificate, the Evidence of Coverage/Disclosure form/Certificate will prevail.Only children’s dental services count towards your out of pocket limit.Children's Dental Essential Health Benefits (up until age 19)Diagnostic and preventiveIncludes cleanings, exams, x-rays, sealants, fluoride.No chargeNo chargeBasic servicesIncludes fillings and simple extractions20% coinsurance20% coinsuranceMajor services/Prosthodontic50% coinsurance50% coinsuranceEndodontic, Periodontics, Oral Surgery50% coinsurance50% coinsuranceMedically Necessary Orthodontia50% coinsurance50% coinsuranceDeductibleNot applicableNot applicableNot coveredNot coveredAdult DentalPlease visit valpo.myahpcare.com for information on availablevoluntary dental plans.19

Emergency travelassistanceAs a participant in the student health plan, you have access to the emergency travel servicesand benefits when you are traveling over 100 miles from home or outside your home country.To ensure you have immediate access to assistanceif you experience a travel related crisis:Academic HealthPlans has included Academic Emergency Services (AES) in your Student HealthInsurance Plan coverage. AES offers a wide range of services and benefits to provide everythingyou need to prepare for your international experience, as well as get the help or information youneed in a crisis.Academic Emergency Services NumbersTo contact Academic Emergency Services from the U.S or Canada, call:1-855-873-3555To contact Academic Emergency Services from outside the U.S. or Canada,dial the country access code followed by the collect number:1-610-263-466020

Designed with you in mindOffering you healthy supportand easy-to-use benefits tohelp you stay focused on youreducation and your future.21

ExclusionsIn this section you will find a review of items that are not covered by your Plan. Excluded items will not be covered even if theservice, supply, or equipment is Medically Necessary. This section is only meant to be an aid to point out certain items thatmay be misunderstood as Covered Services. This section is not meant to be a complete list of all the items that are excludedby your Plan.We will have the right to make the final decision about whether services or supplies are Medically Necessary and if they will becovered by your Plan.1.2.3.4.5.6.Acts of War, Disasters, or Nuclear AccidentsBenefits will not be given for any illness or injury that is a result of war,service in the armed forces, a nuclear explosion, nuclear accident,release of nuclear energy, a riot, or civil disobedience.Administrative Chargesa) Charges to complete claim forms,b) Charges to get medical records or reports,c) Membership, administrative, or access fees charged by Doctors orother Providers. Examples include, but are not limited to, fees foreducational brochures or calling you to give you test results.Alternative / Complementary MedicineServices or supplies for alternative or complementary medicine.This includes, but is not limited to:a) Acupuncture,b) Acupressure, or massage to help alleviate pain, treat illness or promotehealth by putting pressure to one or more areas of the body.c) Holistic medicine,d) Homeopathic medicine,e) Hypnosis,f) Aroma therapy,g) Massage and massage therapy,h) Reiki therapy,i) Herbal, vitamin or dietary products or therapies,j) Naturopathy,k) Thermography,l) Orthomolecular therapy,m) Contact reflex analysis,n) Bioenergial synchronization technique (BEST),o) Iridology-study of the iris,p) Auditory integration therapy (AIT),q) Colonic irrigation,r) Magnetic innervation therapy,s) Electromagnetic therapy.Charges Over the Maximum Allowed AmountCharges over the Maximum Allowed Amount for Covered Services.Cosmetic ServicesTreatments, services, Prescription Drugs, equipment, or supplies given forcosmetic services. Cosmetic services are meant to preserve, change, orimprove how you look or are given for social reasons. No benefits areavailable for surgery or treatments to change the texture or look of yourskin or to change the size, shape or look of facial or body features (such asyour nose, eyes, ears, cheeks, chin, chest or breasts).This Exclusion does not apply to reconstructive surgery for breast symmetryafter a mastectomy and surgery to correct birth defects and birthabnormalities.Court Ordered TestingCourt ordered testing or care unless Medically Necessary.7.8.9.10.11.12.13.Custodial CareCustodial Care, convalescent care or rest cures. This Exclusion does notapply to Hospice services.Experimental or Investigational ServicesServices or supplies that we find are Experimental / Investigational. Thisalso applies to services related to Experimental / Investigational services,whether you get them before, during, or after you get the Experimental /Investigational service or supply.The fact that a service or supply is the only available treatment will notmake it Covered Service if we conclude it is Experimental / Investigational.Details on the criteria we use to determine if a Service is Experimental orInvestigational is outlined below.Eyeglasses and Contact LensesEyeglasses and contact lenses to correct your eyesight unless listed ascovered in this Booklet. This Exclusion does not apply to lenses neededafter a covered eye surgery.Health Club Memberships and Fitness ServicesHealth club memberships, workout equipment, charges from a physicalfitness or personal trainer, or any other charges for activities, equipment, orfacilities used for physical fitness, even if ordered by a Doctor. ThisExclusion also applies to health spas.Non-Medically Necessary ServicesServices we conclude are not Medically Necessary. This includes servicesthat do not meet our medical policy, clinical coverage, or benefit policyguidelines.Nutritional or Dietary SupplementsNutritional and/or dietary supplements, except as described in this Bookletor that we must cover by law. This Exclusion includes, but is not limited to,nutritional formulas and dietary supplements that you can buy over thecounter and those you can get without a written Prescription or from alicensed pharmacist.Personal Care, Convenience and Mobile/Wearable Devicesa) Items for personal comfort, convenience, protection, cleanliness suchas air conditioners, humidifiers, water purifiers, sports helmets, raisedtoilet seats, and shower chairs,b) First aid supplies and other items kept in the home for general use(bandages, cotton-tipped applicators, thermometers, petroleum jelly,tape, non-sterile gloves, heating pads),c) Home workout or therapy equipment, including treadmills and homegyms,d) Pools, whirlpools, spas, or hydrotherapy equipment.e) Hypo-allergenic pillows, mattresses, or waterbeds,f) Residential, auto, or place of business structural changes (ramps, lifts,elevator chairs, escalators, elevators, stair glides, emergency alertequipment, handrails).22

14.15.16.17.18.g) Consumer wearable / personal mobile devices (such as a smart phone,smart watch, or other personal tracking devices), including anysoftware or applications.Private Duty NursingPrivate duty nursing services given in a Hospital or Skilled Nursing Facility.Private duty nursing services are a Covered Service only when given as partof the “Home Care Services” benefit.Stand-By ChargesStand-by charges of a Doctor or other Provider.Travel CostsMileage, lodging, meals, and other Member-related travel costs except asdescribed in this Plan.Vision Servicesa) Eyeglass lenses, frames, or contact lenses for Members age 19 andolder, unless listed as covered in this Booklet.b) Safety glasses and accompanying frames.c) For two pairs of glasses in lieu of bifocals.d) Plano lenses (lenses that have no refractive power).e) Lost or broken lenses or frames unless the member has reached theirnormal interval for service when seeking replacements.f) Vision services not listed as covered in this Booklet.g) Cosmetic lenses or options, such as special lens coatings or nonprescription lenses, unless specifically listed as covered in this Booklet.h) Blended lenses.i) Oversize lenses.j) Sunglasses.k) For services or supplies combined with any other offer, coupon or instore advertisement, or for certain brands of frames where themanufacturer does not allow discounts.l) For Members through age 19, no benefits are available for frames orcontact lenses not on the Anthem formulary.m) Visual therapy, such as orthoptics or vision training and any associatedsupplemental testing, unless covered by the medical benefits of thisBooklet.n) For medical or surgical treatment of the eyes, including inpatient oroutpatient hospital vision care, except as covered under the medicalbenefits of this plan.o) Services and materials not meeting accepted standards of optometricpractice or services that are not performed by a licensed provider.Weight Loss ProgramsPrograms, whether or not under medical supervision, unless listed ascovered in this Booklet.This Exclusion includes, but is not limited to, commercial weight lossprograms (Weight Watchers, Jenny Craig, LA Weight Loss) and fastingprograms.This Exclusion does not apply to weight management programs requiredunder federal law as part of the “Preventive Care” benefit.This Exclusion does not apply to Medically Necessary treatments for morbidobesity if we must cover them by law.What’s Not Covered Under Your Prescription Drug Retail orHome Delivery (Mail Order) Pharmacy Benefit1.Clinical Trial Non-Covered ServicesAny Investigational drugs or devices, non-health services required for you toreceive the treatment, the costs of managing the research, or costs thatwould not be a Covered Service under this Plan for non-Investigationaltreatments.2. Compound DrugsCompound Drugs unless otherwise required by law, or is otherwised

Valparaiso University Health Center Promenade East Building 55 University Drive, Suite 102 Valparaiso, IN 46383 1-219-464-5060 health.center@valpo.edu M-F 8am-12pm, 1pm-4:30pm, Summer/Breaks: M-F 8am-12pm Claims and coverage 1-844-412-0752 Anthem Blue Cross Blue Shield Life and Health Insurance Company P.O. Box 105187