WIXLIB

Summary of Benefits and Coverage: What this Plan Covers & What You Pay For Covered Services Coverage Period: 01/01/2018 - 12/31/2018Horizon BCBSNJ: State Health Benefits Program- NJ DIRECT10 (PPO)Coverage for: All Coverage TypesPlan Type: PPOThe Summary of Benefits and Coverage (SBC) document will help you choose a health plan. The SBC shows you how you and theplan would share the cost for covered health care services. NOTE: Information about the cost of this plan (called the premium) willbe provided separately. This is only a summary. For more information about your coverage, or to get a copy of the complete terms ofcoverage, visit Member Online Services at shtml or by calling 1-609-292-7524. If you do notcurrently have coverage with Horizon BCBSNJ you can view a sample policy here, html. For general definitions of common terms, such as allowed amount, balance billing, coinsurance, copayment, deductible, provider,or other underlined terms see the Glossary. You can view the Glossary at www.cciio.cms.gov or call 1-609-292-7524 to request a copy.Important QuestionsWhat is the overalldeductible?Answers 100.00 Individual / 250.00 Familyfor out-of-network providers.Aggregate family.Why This Matters:Generally, you must pay all of the costs from providers up to the deductible amountbefore this plan begins to pay. If you have other family members on the plan, eachfamily member must meet their own individual deductible until the total amount ofdeductible expenses paid by all family members meets the overall family deductible.Are there services covered Yes. Preventive care is covered before This plan covers some items and services even if you haven’t yet met the deductiblebefore you meet youryou meet your deductible.amount. But a copayment or coinsurance may apply. For example, this plan coversdeductible?certain preventive services without cost-sharing and before you meet yourdeductible. See a list of covered preventive services are-benefits/.Are there other deductibles No.You don’t have to meet deductibles for specific services.for specific services?What is the out-of-pocket In network providers 400.00The out-of-pocket limit is the most you could pay in a year for covered services. Iflimit for this plan?Individual/ 1,000.00 Family. Out- you have other family members in this plan, they have to meet their own out-ofpocket limits until the overall family out-of-pocket limit has been met.of-network providers 2,000.00Individual/ 5,000.00 Family.What is not included in the Premiums, balance-billing charges and Even though you pay these expenses, they don’t count toward the out-of-pocketout-of-pocket limit?health care this plan doesn’t cover.limit.Will you pay less if you use Yes. For a list of in-networkThis plan uses a provider network. You will pay less if you use a provider in thea network provider?providers, seeplan's network. You will pay the most if you use an out-of-network provider, andwww.HorizonBlue.com/shbp or you might receive a bill from a provider for the difference between the provider'scall 1-800-414-SHBP (7427).charge and what your plan pays (balance billing). Be aware your network providermight use an out-of-network provider for some services (such as lab work). Checkwith your provider before you get services.Do you need a referral toNo. You don't need a referral to see a You can see the specialist you choose without a referral.see a specialist?specialist.(NJ DIRECT (PPO))1 of 11

CommonMedical EventServices You May NeedIf you visit a health Primary care visit to treat ancare provider’s office injury or illnessor clinicSpecialist visitPreventivecare/screening/immunizationIf you have a testNo Charge.Diagnostic test (x-ray, bloodNo Charge.work)Imaging (CT/PET scans, MRIs) No Charge.If you need drugs to Generic drugstreat your illness orPreferred brand drugsconditionNon-preferred brand drugsMore information aboutprescription drugcoverage is availablethrough your employer. Specialty drugsIf you haveFacility fee (e.g., ambulatoryoutpatient surgerysurgery center)Physician/surgeon feesIf you needimmediate medicalattentionWhat You Will PayNetwork ProviderOut-of-Network(You will pay theProvider(You will payleast)the most) 10.00 Copayment per20% Coinsurance aftervisit.deductible. 10.00 Copayment per20% Coinsurance aftervisit; Specialist.deductible.Emergency room careEmergency medicaltransportationNot Covered.20% Coinsurance afterdeductible.20% Coinsurance afterdeductible.Limitations, Exceptions, & OtherImportant InformationOut-of-network coverage forchiropractic and acupuncture servicesare limited to no more than 35 a visitfor chiropractic and 60 a visit foracupuncture or 75% of the in networkcost per visit, whichever is less.One per calendar year. You may haveto pay for services that aren'tpreventive. Ask your provider if theservices needed are preventive. Thencheck what your plan will pay for.noneRequires pre-approval.noneSee separate Prescription Drug Plan SBCNo Charge.none20% Coinsurance afterdeductible.No Charge.20% Coinsurance after deductible for20% Coinsurance afterout-of-network anesthesia.deductible. 75.00 Copayment per visit 75.00 Copayment per visit 25 copay/visit for physician referralsfor Outpatient Hospital. for Outpatient Hospital. or pediatric (under age 19) ER visits;and if admitted within 24 hours, thecopayment is waived. Payment at thein-network level applies only to trueMedical Emergencies & AccidentalInjuries.10% Coinsurance.20% Coinsurance afterLimited to local emergency transport todeductible.the nearest facility equipped to treat theemergency condition.2 of 11

CommonMedical EventServices You May NeedUrgent careIf you have ahospital stayIf you need mentalhealth, behavioralhealth, or substanceabuse services 10.00 Copayment pervisit.none20% Coinsurance afterdeductible.Facility fee (e.g., hospital room) No Charge.20% Coinsurance afterdeductible.Requires pre-approval. There is aseparate 200 deductible per inpatientstay for out-of-network facilities.Physician/surgeon feesNo Charge.20% Coinsurance afterdeductible.Requires pre-approval. 20%Coinsurance after deductible for outof-network anesthesia.Outpatient services 10.00 Copayment per visit 20% Coinsurance afterfor Mental Health anddeductible.Behavioral Health. NoCharge for SubstanceAbuse.No Charge.20% Coinsurance afterdeductible.Some specialty outpatient servicesrequire pre-approval. 10.00 Copayment per visit 20% Coinsurance afterfor Office.deductible.Cost sharing does not apply forpreventive services. Maternity care mayinclude tests and services describedelsewhere in the SBC (i.e. Ultrasound.)Inpatient servicesIf you are pregnantWhat You Will PayLimitations, Exceptions, & OtherNetwork ProviderOut-of-NetworkImportant Information(You will pay theProvider(You will payleast)the most)Office visitsChildbirth/delivery professional No Charge.servicesChildbirth/delivery facilityNo Charge.services20% Coinsurance afterdeductible.20% Coinsurance afterdeductible.Requires pre-approval. There is aseparate 200 deductible per inpatientstay for out-of-network facilities.noneRequires pre-approval. There is aseparate 200 deductible per inpatientstay for out-of-network facilities.3 of 11

If you need helprecovering or haveother special healthneedsHome health careNo Charge.Rehabilitation services 10.00 Copayment per visit 20% Coinsurance afterfor Office. No Charge for deductible.Inpatient and OutpatientFacility. 10.00 Copayment per visit 20% Coinsurance afterfor Office. No Charge for deductible.Inpatient and OutpatientFacility.No Charge.20% Coinsurance afterdeductible.Requires pre-approval. There is aseparate 200 deductible per inpatientstay for out-of-network facilities. Outof network physical therapy will belimited to the rate that is equal to theaverage of the in network providerreimbursement.Requires pre-approval. Limited to 120days in-network and 60 out-of-networkfacility days for a combined maximumof 120 days per calendar year. There is aseparate 200 deductible per inpatientstay for out-of-network facilities.Durable medical equipment10% Coinsurance.20% Coinsurance afterdeductible.Requires pre-approval for all rentalsand some purchases.Hospice servicesNo Charge.20% Coinsurance afterdeductible.Children’s eye exam 10.00 Copayment pervisit.Not Covered.Requires pre-approval. There is aseparate 200 deductible per inpatientstay for out-of-network facilities.Coverage is limited to 1 visit.Children’s glassesNot Covered.Not Covered.noneChildren’s dental check-upNot Covered.Not Covered.noneHabilitation servicesSkilled nursing careIf your child needsdental or eye care20% Coinsurance afterdeductible.Requires pre-approval.Excluded Services & Other Covered Services:Services Your Plan Generally Does NOT Cover (Check your policy or plan document for more information and a list of any other excludedservices.)Cosmetic SurgeryLong Term CareRoutine foot careDental care (Adult)Private-duty nursingWeight Loss Programs4 of 11

Other Covered Services (Limitations may apply to these services. This isn’t a complete list. Please see your plan document.)Acupuncture (for pain management only)Hearing Aids (Only covered for members age15 or younger)Bariatric surgery (requires pre-approval)Infertility treatment (requires pre-approval)Chiropractic care (limited to 30 visits/year)Most coverage provided outside the UnitedStates. (Subject to deductible/coinsuranceand balance billing.)Non-emergency care when traveling outsidethe U.S. (Subject to deductible/coinsuranceand balance billing.)Routine eye care (Adult)Your Rights to Continue Coverage:There are agencies that can help if you want to continue your coverage after it ends. The contact information for those agencies is: the plan at 1-800-4147427 (SHBP), the Department of Health and Human Services, Center for Consumer Information and Insurance Oversight, at 1-877-267-2323 x61565 orwww.cciio.cms.gov, or the U.S. Department of Labor, Employee Benefits Security Administration at 1-866-444-3272 or www.dol.gov/ebsa. Othercoverage options may be available to you too, including buying individual insurance coverage through the Health Insurance Marketplace. For moreinformation about the Marketplace, visit www.HealthCare.gov or call 1-800-318-2596.Your Grievance and Appeals Rights:There are agencies that can help if you have a complaint against your plan for a denial of a claim. This complaint is called a grievance or appeal. For moreinformation about your rights, look at the explanation of benefits you will receive for that medical claim. Your plan documents also provide completeinformation to submit a claim, appeal, or a grievance for any reason to your plan. For more information about your rights, this notice, or assistance,contact: Horizon Blue Cross Blue Shield of New Jersey Member Services at 1-800-414-SHBP (7427). You may also contact the Department of Labor’sEmployee Benefits Security Administration at 1-866-444-EBSA (3272) or www.dol.gov/ebda/healthreform.Does this plan provide Minimum Essential Coverage? YesIf you don’t have Minimum Essential Coverage for a month, you’ll have to make a payment when you file your tax return unless you qualify for anexemption from the requirement that you have health coverage for that month.Does this plan meet the Minimum Value Standards? YesIf your plan doesn’t meet the Minimum Value Standards, you may be eligible for a premium tax credit to help you pay for a plan through ------To see examples of how this plan might cover costs for a sample medical situation, see the next ---5 of 11