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Cost if you use anIn-Network ProviderCost if you use anOut-of-Network ProviderOffice15% coinsuranceafter deductible35% coinsuranceafter deductibleFreestanding Radiology Center15% coinsuranceafter deductible35% coinsuranceafter deductibleOutpatient Hospital15% coinsuranceafter deductible35% coinsuranceafter deductibleUrgent Care (Office Setting)15% coinsuranceafter deductible35% coinsuranceafter deductibleEmergency Room Doctor and Other Services0% coinsuranceafter deductibleCovered asIn- NetworkAmbulance (Air and Ground)15% coinsuranceafter deductibleCovered asIn- Network 20 copay 0% coinsurancenot subject to deductible30% coinsuranceafter deductibleFacility FeesOutpatient Substance Use Services (including PartialHospitalization, Intensive Outpatient Program Services,and Medication Assisted Treatment) Up to 20 visits perPlan Year may be used for family counseling.15% coinsurance notsubject to deductible35% coinsurance afterdeductibleDoctor Services15% coinsurance notsubject to deductible35% coinsurance afterdeductibleHospital15% coinsuranceafter deductible35% coinsuranceafter deductibleFreestanding Surgical Center15% coinsuranceafter deductible35% coinsuranceafter deductible15% coinsuranceafter deductible35% coinsuranceafter deductibleCovered Medical BenefitsAdvanced Diagnostic Imaging(for example, MRI/PET/CAT scans):Emergency and Urgent CareOutpatient Mental Health and Substance Use DisorderOutpatient Mental Health and Substance Abuse Care (includingPartial Hospitalization and Intensive Outpatient Program Services)Doctor Office Visit and Online VisitFacility visit:Outpatient SurgeryFacility Fees:Hospital Stay (all Inpatient stays including Maternity, Mentaland Substance Use Disorder):Facility fees (for example, room & board)Coverage for Inpatient rehabilitation and skilled nursing servicescombined In-Network Providers and Out-of-Network Providerscombined is limited to 365 days per benefit year. InpatientMental Health Care including Residential Treatment (for acontinuous confinement when in a Hospital) PreauthorizationRequired. However, Preauthorization is Not Required foremergency admissions. Inpatient Substance Use Servicesincluding Residential Treatment (for a continuous confinementwhen in a Hospital) Preauthorization Required. However,Preauthorization is Not Required for Emergency Admissionsor for Participating OASAS certified Facilities.14

Cost if you use anIn-Network ProviderCost if you use anOut-of-Network ProviderDoctor and other services15% coinsuranceafter deductible35% coinsuranceafter deductiblePreadmission Testing15% coinsuranceafter deductible35% coinsuranceafter deductible15% coinsuranceafter deductible35% coinsuranceafter deductibleOfficeCoverage for physical therapy and occupational therapy.Preauthorization required. 365 days per plan year.15% coinsuranceafter deductible35% coinsuranceafter deductibleOutpatient HospitalCoverage for physical therapy and occupational therapy.Preauthorization required. 365 days per plan year.15% coinsuranceafter deductible35% coinsuranceafter deductibleOfficeCoverage for physical therapy and occupational therapy.Preauthorization required. 365 days per plan year.15% coinsuranceafter deductible35% coinsuranceafter deductibleOutpatient HospitalCoverage for physical therapy and occupational therapy.Preauthorization required. 365 days per plan year.15% coinsuranceafter deductible35% coinsuranceafter deductibleOffice15% coinsuranceafter deductible35% coinsuranceafter deductibleOutpatient Hospital15% coinsuranceafter deductible35% coinsuranceafter deductibleSkilled Nursing Care (in a facility)Coverage for Inpatient rehabilitation and skilled nursing servicescombined In-Network Providers and Out-of-Network Providerscombined is limited to 365 days per benefit period.15% coinsuranceafter deductible35% coinsuranceafter deductibleHospiceCoverage for Inpatient and Outpatient Unlimited visits – 5 visits forfamily bereavement counseling.15% coinsuranceafter deductible35% coinsuranceafter deductibleDurable Medical EquipmentCoverage for hearing aids services; single purchase once every3 years. Cochlear/BAHA Implants; One per ear per time covered.15% coinsuranceafter deductible35% coinsuranceafter deductibleProsthetic DevicesCoverage for wigs needed after cancer treatment In-NetworkProviders and Out-of-Network Providers combined is limited to1 items per benefit period. Internal - One prosthetic device, perlimb per lifetime. External – unlimited.15% coinsuranceafter deductible35% coinsuranceafter deductibleCovered Medical BenefitsRecovery & RehabilitationHome Care VisitsCoverage for In-Network Providers and Out-of-Network Providerscombined is limited to 40 visits per benefit period.Rehabilitation services (for example, physical/speech/occupational therapy):Habilitation services (for example, physical/speech/occupational therapy):Cardiac rehabilitation15

PharmacyCovered Prescription Drug BenefitsPharmacy DeductiblePharmacy Out of PocketCost if you use anIn-Network ProviderCost if you use anOut-of-Network ProviderNot applicableNot applicableCombined with medicalout of pocket maximumCombined with medicalout of pocket maximumPrescription Drug CoverageTraditional Open Drug ListThis product has a 90-day Retail Pharmacy Network available.A 90 day supply is available at most retail pharmacies.Tier 1 - Typically Lower Cost GenericCovers up to a 30 day supply (retail pharmacy).Covers up to a 90 day supply (home delivery program).Covers up to 90 day supply (retail maintenance pharmacy). 15 copay per Prescriptiondeductible does not apply.Home delivery copay is2 times the retail copaymentper prescriptionDeductible does not apply.Not coveredTier 2 – Typically Preferred BrandCovers up to a 30 day supply (retail pharmacy).Covers up to a 90 day supply (home delivery program).Covers up to 90 day supply (retail maintenance pharmacy). 30 copay per Prescriptiondeductible does not apply.Home delivery copay is2 times the retail copaymentper prescriptionDeductible does not apply.Not coveredTier 3 - Typically Non-Preferred BrandCovers up to a 30 day supply (retail pharmacy).Covers up to a 90 day supply (home delivery program).Covers up to 90 day supply (retail maintenance pharmacy). 50 copay per Prescriptiondeductible does not apply.Home delivery copay is2 times the retail copaymentper prescriptionDeductible does not apply.Not covered16

Pediatric VisionCovered Vision BenefitsCost if you use anIn-Network ProviderCost if you use anOut-of-Network ProviderThis is a brief outline of your vision coverage. Not all cost shares for covered services are shown below. Benefits include coverage forstudent’s choice of eyeglass lenses or contact lenses, but not both. For a full list, including benefits, exclusions and limitations, seethe combined Evidence of Coverage/Disclosure form/Certificate. If there is a difference between this summary and either Evidence ofCoverage/Disclosure form/Certificate, the Evidence of Coverage/Disclosure form/Certificate will prevail.Children’s Vision Essential Health Benefits (up to age 19)Child Vision Deductible 0 personNot ApplicableVision examCoverage for In-Network Providers and Out-of-NetworkProviders is limited to 1 exam per benefit periodNo chargeReimbursedUp to 30FramesCoverage for In-Network Providers and Out-of-NetworkProviders is limited to 1 unit per benefit period.No chargeReimbursedUp to 45LensesCoverage for In-Network Providers and Out-of-NetworkProviders is limited to 1 unit per benefit period.No charge 25 Reimbursement for Single, 45 Reimbursement for Bifocal, 55 Reimbursement forTrifocal Vision Lens and 40 Reimbursement forStandard ProgressiveElective contact lensesCoverage for In-Network Providers and Out-of-NetworkProviders is limited to 1 unit per benefit period.No chargeReimbursedUp to 60Non-Elective Contact LensesCoverage for In-Network Providers and Out-of-NetworkProviders is limited to 1 unit per benefit period.No chargeReimbursedUp to 21017

Pediatric DentalCovered Dental BenefitsCost if you use anIn-Network ProviderCost if you use anOut-of-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 to age 19)Diagnostic and preventiveIncludes cleanings, exams, x-rays, sealants, fluorideNo chargeNo chargeBasic servicesIncludes filing and simple extractionsNo chargeNo chargeMajor services/Prosthodontic50% coinsurance afterdeductible is met50% coinsurance afterdeductible is metEndodontic, Periodontics, Oral Surgery50% coinsurance afterdeductible is met50% coinsurance afterdeductible is met50%50%Not applicableNot applicableNot coveredNot coveredMedically Necessary OrthodontiaDeductibleAdult Dental18

Benefits that gowith youYou are covered for emergency health situations when travelling abroad. With our 24/7 help centerand international network of doctor advisors, you have the right support and services when you needthem through GeoBlue .In a medical emergency:1Go immediately to the nearest doctor or hospital.2Call us at 1-833-511-4763. The GeoBlue Global Health & Safety Team will contact the doctor treatingyou and closely monitor your situation to decide whether a medical evacuation is needed. When youcall, have this information ready:› Your name› The ID number on the front of your member ID card› Details of the emergency› The name of your health coverage program:› The name and contact information of the doctor Anthem Student Advantageand/or the hospital treating you› Your specific location, using GPS if it is availableWhat is covered?Emergency medical evacuationUnlimitedRepatriation of remainsUnlimitedEmergency family travel arrangementsMaximum benefit up to 5,000 per coverage yearPolitical emergency and natural disaster evacuation(Available only when traveling outside the U.S.)Covered 100% up to 100,000 per person. Subject to acombined 5,000,000 limit per any one covered eventfor all people covered under the plan.Accidental death and dismembermentMaximum benefit up to 10,000 per coverage yearUse of benefits must be coordinated and approved by GeoBlue.GeoBlue is the trade name of Worldwide Insurance Services, LLC (Worldwide Services Insurance Agency, LLC in California and New York), an independent licensee of the Blue Cross and Blue Shield Association. GeoBlue is the administrator of coverage provided under insurance policies issued in the District of Columbia by4 Footnote Ever Life International Limited, Bermuda, an independent licensee of the Blue Cross Blue Shield Association.19

Keeping you at your bestOffering you healthy supportand easy-to-use benefits to helpyou stay focused on youreducation and your future.20

ExclusionsExclusions and Limitations apply and are outlined in the Certificate of Coverage Exclusions and Limitations: No coverage isavailable under this Certificate for the following:A. Aviation.We do not Cover services arising out of aviation, other than as a fare-payingpassenger on a scheduled or charter flight operated by a scheduled airline.B. Convalescent and Custodial Care.We do not Cover services related to rest cures, custodial care ortransportation. ”Custodial care” means help in transferring, eating, dressing,bathing, toileting and other such related activities. Custodial care does notinclude Covered Services determined to be Medically Necessary.C. Conversion Therapy.We do not Cover conversion therapy. Conversion therapy is any practice bya mental health professional that seeks to change the sexual orientationor gender identity of a member under 18 years of age, including effortsto change behaviors, gender expressions, or to eliminate or reduce sexualor romantic attractions or feelings toward individuals of the same sex.Conversion therapy does not include counseling or therapy for any individualwho is seeking to undergo a gender transition or who is in the process ofundergoing a gender transition, that provides acceptance, support andunderstanding of an individual or the facilitation of an individual’s coping,social support, and identity exploration and development, including sexualorientation-neutral interventions to prevent or address unlawful conduct orunsafe sexual practices, provided that the counseling or therapy does notseek to change sexual orientation or gender identity.D. Cosmetic Services.We do not Cover cosmetic services, Prescription Drugs, or surgery, unlessotherwise specified, except that cosmetic surgery shall not includereconstructive surgery when such service is incidental to or followssurgery resulting from trauma, infection or diseases of the involved part,and reconstructive surgery because of congenital disease or anomaly ofa covered Child which has resulted in a functional defect. We also Coverservices in connection with reconstructive surgery following a mastectomy,as provided elsewhere in this Certificate. Cosmetic surgery does not includesurgery determined to be Medically Necessary. If a claim for a procedurelisted in 11 NYCRR 56 (e.g. certain plastic surgery and dermatologyprocedures) is submitted retrospectively and without medical information,any denial will not be subject to the Utilization Review process in theUtilization Review and External appeal sections of this Certificate unlessmedical information is submitted.dental care or treatment necessary due to congenital disease or anomaly;or dental care or treatment specifically stated in the Outpatient andProfessional Services and Pediatric Dental Care sections of this Certificate.G. Experimental or Investigational Treatment.We do not Cover any health care service, procedure, treatment, device orPrescription Drug that is experimental or investigational. However, We willCover experimental or investigational treatments, including treatment forYour rare disease or patient costs for Your participation in a clinical trialas described in the Outpatient and Professional Services section of thisCertificate, when Our denial of services is overturned by an External AppealAgent certified by the State. However, for clinical trials, We will not Cover thecosts of any investigational drugs or devices, non-health services requiredfor You to receive the treatment, the costs of managing the research, orcosts that would not be Covered under this Certificate for non-investigationaltreatments. See the Utilization Review and External Appeal sections of thisCertificate for a further explanation of Your Appeal rights.H. Felony Participation.We do not Cover any illness, treatment or medical condition due to Yourparticipation in a felony, riot or insurrection. This exclusion does not applyto Coverage for services involving injuries suffered by a victim of an actof domestic violence or for services as a result of Your medical condition(including both physical and mental health conditions).I.Foot Care.We do not cover routine foot care in connection with corns, calluses, flat feet,fallen arches, weak feet, chronic foot strain or symptomatic complaints ofthe feet. However, we will Cover foot care when You have a specific medicalcondition or disease resulting in circulatory deficits or areas of decreasedsensation in Your legs or feet.J.Government Facility.We do not Cover care or treatment provided in a Hospital that is ownedor operated by any federal, state or other governmental entity, except asotherwise required by law unless You are taken to the Hospital because itis close to the place where You were injured or became ill and EmergencyServices are provided to treat Your Emergency Condition.E. Coverage Outside of the United States, Canada or Mexico.We do not Cover care or treatment provided outside of the United States, itspossessions, Canada or Mexico except for Emergency Services, Pre-HospitalEmergency Medical Services and ambulance services to treat Your EmergencyCondition.K. Medically Necessary.In general, We will not Cover any health care service, procedure, treatment,test, device or Prescription Drug that We determine is not MedicallyNecessary. If an External Appeal Agent certified by the State overturns Ourdenial, however, We will Cover the service, procedure, treatment, test, deviceor Prescription Drug for which coverage has been denied, to the extentthat such service, procedure, treatment, test, device or Prescription Drug isotherwise Covered under the terms of this Certificate.F. Dental Services.We do not Cover dental services except for: care or treatment due toaccidental injury to sound natural teeth within 12 months of the accident;L. Medicare or Other Governmental Program.We do not Cover services if benefits are provided for such services under thefederal Medicare program or other governmental program (except Medicaid).21

M. Military Service.We do not Cover an illness, treatment or medical condition due to servicein the Armed Forces or auxiliary units.N. No-Fault Automobile Insurance.We do not Cover any benefits to the extent provided for any loss or portionthereof for which mandatory automobile no-fault benefits are recovered orrecoverable. This exclusion applies even if You do not make a proper or timelyclaim for the benefits available to You under a mandatory no-fault policy.O. Services Not Listed.We do not Cover services that are not listed in this Certificate as beingCovered.P. Services Provided by a Family Member.We do not Cover services performed by a member of the covered person’simmediate family. “Immediate family” shall mean a child, spouse, mother,father, sister or brother of You or Your Spouse.Q. Service Separately Billed by Hospital Employees.We do not Cover services rendered and separately billed by employeesof Hospitals, laboratories or other institutions.R. Services With No Charge.We do not Cover services for which no charge is normally made.S. Vision Services.We do not Cover the examination or fitting of eyeglasses or contactlenses, except as specifically stated in the Pediatric Vision Care sectionof this Certificate.T. War.We do not Cover an illness, treatment or medical condition due to war,declared or undeclared.U. Workers’ Compensation.We do not Cover services if benefits for such services are provided under anystate or federal Workers’ Compensation, employers’ liability or occupationaldisease law.22

Access help in your languageIf you have any questions about this document, you have the right to help and information in your language at no cost.To talk to an interpreter, call 1-855-330-1098.Separate from our language assistance program, we make documents available in alternate formats for memberswith visual impairments. If you need a copy of this document in an alternate format, please call the customer servicetelephone number on the back of your ID card. (TTY/TDD: 711)Arabic ﺎًﻧﺎﺟﻣ ﻙﺗﻐﻠﺑ ﺓﺩﻋﺎﺳﻣﻟﺍﻭ ﺕﺎﻣﻭﻠﻌﻣﻟﺍ ﻩﺫﻫ ﻰﻠﻋ ﻝﻭﺻﺣﻟﺍ ﻙﻟ ﻕﺣﻳ . ﻰﻠﻋ ﺩﻭﺟﻭﻣﻟﺍ ءﺎﺿﻋﻷﺍ ﺕﺎﻣﺩﺧ ﻡﻗ

health plan underwritten by Empire Blue Cross and Blue Shield (Empire). If you would . Anthem Blue Cross Life and Health Insurance Company P.O. Box 60007 Los Angeles, CA 90060-0007 Benefits, eligibility . information, including providers, benefits, claims, covered drugs and more.