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UMass AFSCME Unit BCustom PPO Health PlanI M P O R T ANTMember Services413.787.4004800.310.2835 (TTY: 800.439.2370)Health New EnglandOne Monarch Place, Suite 1500Springfield, MA 01144-1500This health plan meetsMinimum CreditableCoverage standards and willsatisfy the individual mandatethat you have health insurance.Please see the next page foradditional information.Printed: 11/4/2015NUM BERS
MASSACHUSETTS REQUIREMENT TO PURCHASE HEALTH INSURANCE:As of January 1, 2009, the Massachusetts Health Care Reform Law requires thatMassachusetts residents, eighteen (18) years of age and older, must have health coverage thatmeets the Minimum Creditable Coverage standards set by the Commonwealth HealthInsurance Connector, unless waived from the health insurance requirement based onaffordability or individual hardship. For more information call the Connector at877.MA.ENROLL or visit the Connector website (www.mahealthconnector.org).This health plan meets Minimum Creditable Coverage standards that are in effect January 1, 2016as part of the Massachusetts Health Care Reform Law. If you purchase this plan, you will satisfy thestatutory requirement that you have health insurance meeting these standards.THIS DISCLOSURE IS FOR MINIMUM CREDITABLE COVERAGE STANDARDS THATARE IN EFFECT JANUARY 1, 2016. BECAUSE THESE STANDARDS MAY CHANGE,REVIEW YOUR HEALTH PLAN MATERIAL EACH YEAR TO DETERMINE WHETHERYOUR PLAN MEETS THE LATEST STANDARDS.If you have questions about this notice, you may contact the Division of Insurance bycalling 617.521.7794 or visiting its website at www.mass.gov/doi.
Special Programs & DiscountsSpecial Programs & Discounts
S P E C I A LP R O G R A M S&D I S C O U N T SAt HNE, we strongly believe that health insurance should do more thanjust pay for doctor’s bills when you are sick. After all, we call it healthinsurance, not sickness insurance. We understand that more than just yourown personal health goes into your overall well being. Your work-life, yourhome-life, your family, your play-time – all of these things factor in to howyou are feeling – and ultimately, how healthy you are.That’s why in addition to the comprehensive benefits that we offer, we alsoprovide a number of unique programs to address you and your family’swellness at every stage of life.YO U RFA M I LY Savings on child care servicesYou want your children to be well cared for. HNE offers a program to helpput your mind at ease when you can’t be there: HNE is proud to offer an exclusive discount to all HNE memberswho do not receive any other child care subsidizations or discounts.HNE members get a 5% discount for infant, toddler, preschool,kindergarten, and before/after school care with Square One.The program covers:- Care at five Square One Centers in Springfield and Holyoke, MA- Before/after-school care in four area public schools.- Home-based family care in 75 area locations.Square One is fully licensed and accredited by the NationalAssociation for the Education of Young People and licensed by theMassachusetts Department of Early Education and Care.H N E . C O M
Brighter Infant BeginningsWelcoming a new baby is an exciting time in your life. It’s also a busy one.We want to help by giving you the information you’ll need to keep you andyour baby healthy during your pregnancy. All expectant members receivethe book, “Planning Your Pregnancy and Birth” and “Your Baby, YourChild: A Parents Guide to Pregnancy and Early Childhood.” These booksare resources for parents on prenatal issues, early childhood development,and health during the first 6 years of life.Whiz Kidz Pediatric Book SeriesDiscover HNE’s award winning series of pediatric health education booksfor children and families. With a focus on fun, the Whiz Kidz booksprovide children with important health information, while engaging theirparents, as well. Readers can learn healthy habits that will last a lifetime.YO U RHEALTH Support for Your Healthy Lifestyle ChoicesIt’s up to you to take charge of your health – but we can help! Want to loseweight? Get in shape? So, the motivation is there, but how do you work itinto the budget. Check this out:HNE Fitness PromotionHaving trouble sticking to a fitness routine? Why not join a fitness clubor take fitness or wellness classes. Already a gym member or taking classes?Here’s some incentive to keep up the good work! When you or a coveredmember of your family purchase a membership to any qualified health clubor take qualified aerobic or wellness classes, HNE will reimburse you up to 150 per family per calendar year. This reimbursement may be applied to: Fitness Club Memberships Aerobic and Wellness Classes and Personal Trainer FeesH N E . C O M
To be eligible for reimbursement, the health club that you choose mustinclude both cardiovascular and strength-training exercise equipment. Classinstructors and personal trainers must be certified. They must work fora fitness or wellness facility. Classes may include: Pilates, yoga, spinning,aerobics, strength training, tai chi, kickboxing, and martial arts.Children need exercise too! Do you have a child in a school or town sportsprogram? You may also apply this reimbursement to school and town sportsregistration fees.Maximum reimbursement is 150 per family per calendar year and iscombined with the HNE Weight Watchers Reimbursement Program.Reimbursement forms are available on our website, hne.com. You alsocan call HNE Member Services to ask for a form at 413.787.4004 or800.310.2835.HNE Weight Watchers Reimbursement ProgramIntroducing our HNE Watchers Reimbursement Program! When youor a covered member of your family registers and participates in weeklyWeight Watchers Traditional meetings, Weight Watchers At Work meetings, or Weight Watchers On-line , HNE will reimburse you up to 150 per calendar year.Note: This program does not include Weight Watchers At Home .Reimbursement is for the cost of the Weight Watchers Traditionalmeetings, Weight Watchers At Work meetings, or Weight Watchers Online only and does not include fees paid for food, books, videos or anyother items or services. This program does not include fees paid to any otherweight loss program.The maximum reimbursement is 150 per family per calendar year. Thereimbursement amount is a combined maximum of 150 for the WeightWatchers Reimbursement Program and the Health Fitness PromotionProgram. In other words, the amount that HNE will reimburse you for thenew Weight Watchers Reimbursement Program, the HNE Health FitnessH N E . C O M
Promotion, or any combination of the two will not exceed 150 per familyper calendar year.Need Eyeglasses or Contact Lenses?As an HNE member, you and your covered family members can get up to25% off when you buy glasses or contact lenses. For a list of participatingeyewear providers, please see our Provider Directory or contact our MemberServices Department.Smoking CessationHNE provides reimbursement of up to 50 to attend a smoking cessationprogram or hypnosis session.Living Well with Chronic Conditions:We offer comprehensive disease management programs that help you tolearn how to take an active role in your own health and be as healthy as youcan be. Our current offerings are for: Diabetes Asthma (adult and pediatric) Healthy Heart (coronary artery disease, CHF) High Risk MaternityEach program features: Educational materials Outreach by an Integrated Case Manager from HNE Individualized goal setting based on your wants/needs Easy action plans that help you attain the goals you set for yourself Solution-focused approaches to assist in removing any barriers youmight have in receiving and managing your healthcare.Best of all, all programs and resources are provided to HNE members free ofcharge!H N E . C O M
Preventive Care – From Cradle through RetirementHNE offers a birthday card program to remind our members to seek ageappropriate preventive care screenings and appointments with their primarycare physician. We mail all HNE members: 18-Month Birthday Card (sent to parents of 18 month old children) Whiz Kidz Birthday Card (sent to parents of children ages 5-12) Women’s Health Birthday Card (sent to women age 35 and over) Men’s Health Birthday Card (sent to men age 50 and over)Living Well Grocery Store ToursWalk through the grocery store with a registered dietician! You’ll learn howto read food labels, count carbohydrates, determine portion sizes, fat andcholesterol content, and much more! HNE offers tours throughout the yearat various locations in Western Massachusetts. We also offer this excitingprogram in a virtual format free of charge to HNE members.Healthy AlternativesHNE members are eligible for discounts through OptumHealth.OptumHealth is a health and wellness company with over 15 years ofexperience. Founded as American Chiropractic Network, OptumHealth hasevolved into an organization that still specializes in chiropractic and physicaltherapy management but also offers other specialties such as acupuncture,massage therapy and nutritional counseling.You can find information about discounted services available throughOptumHealth at our web site, hne.com/HNE Members/Discounts/ACN.html.H N E . C O M
Healthy Directions on hne.comLog onto hne.com and click on Healthy Directions for information aboutpreventive health guidelines, wellness, care management programs, memberdiscounts and our newest offering - the Healthy Directions web portal,powered by WebMD. All you need is your Member ID number to log inand you will have access to: A comprehensive health appraisal with detailed health risk report andimprovement recommendations Self-management tools to help you maintain or improve in such areasas:- Exercise- Nutrition- Smoking cessation- Stress management- Emotional health- Weight management Health trackers to help you follow your medical, health, and wellnessgoals Symptom Checker Health and medical information from the Healthwise library Healthy recipes Self-help videos A personal health record Mobile integration with smart phones Eligible rewards programs (if applicable)And so much more!H N E . C O M
HNEDirect – Member Services on line.We love to hear from our members. But, we know it isn’t always convenientto call during business hours. At HNEDirect, you can do a lot of the samethings you would over the phone – but 24/7, wherever you have internetaccess. On HNEDirect, your provider search will be customized to yourplan automatically. You also can change PCPs or your address on line, viewclaims, and lots more!We also have made tools and information available on HNEDirect thatyou can trust. This is based not only on our own expertise, but with inputfrom our contracted providers – your doctors. You can complete and saveyour own personal health care record or find information about conditionsand treatment options. We have even built in personal reminders to let youknow when you are due for important appointments or tests. So once youjoin HNE, check out HNEDirect and take a look around – we’re sure youwill find that there is something for everyone!HNEPlus – Enjoy Discounts at Local BusinessesThese days, everyone wants to get the most for their money. That’s the ideabehind the HNEPlus program. Health New England members carry anID card that provides valuable access to health insurance. With that samecard and the HNEPlus program, members can also receive discounts forchoosing healthy lifestyles!By showing your ID card, you can get discounts from some area businesses– for travel, legal advice, and a host of fun activities. Savings from HNEPlusadd up fast! What’s more, our discount programs promote healthy lifestylechoices. So, you will look and feel better, too.If you’d like to know more about the HNEPlus program, go to hne.com.H N E . C O M
Plan OverviewPlan Overview
P P OP L A NO V E R V I E WA CCESS T O Q UA LI T YCARE LOCA LLY E A S Y A C C E S S TOYO U R O B / G Y NMore than 7,700 local, independently practicingWe cover annual preventive GYN exams and relatedphysicians as well as the area’s finest hospitals are in ourservices – medically necessary evaluations and servicesnetwork. Every two years, we review our in-planfor GYN conditions, mammograms, and maternityphysicians’ board certification, education, credentials,care. What’s more – you don’t need a referral! Justand experience to verify they meet quality standards.schedule your appointment with your in-plan doctorand go. AN DNAT I O NALLYIn addition to our local doctors and facilities, we haveagreements with more than 330,000 doctors and 3,300hospitals across the country through an arrangementwith Private Health Care Systems (PHCS). You alsohave the flexibility to see providers who do notparticipate with Health New England or PHCS,but your costs will be higher and level of coveragewill be lower.Your payment responsibilities for HNE providers,PHCS providers, and out-of-plan providers aredescribed in this book.S I MP LI C I TY A NDC O NV E NI E NC E There are no claim forms to submit when youget care from in-plan providers. We don’t require referrals for in-plan specialtyservices – although prior approval is requiredfor a limited number of covered services. You have toll-free access to knowledgeable,friendly Member Services representatives whocan help you understand your benefits and getthe services you need. If you feel more comfortable speaking a languageother than English, talk to one of our Spanishspeaking Member Services representatives,or for other languages, take advantage ofour free interpreter and translation service.
Essential Plans Deductible GuideHNE HMO & PPO** Essential Plans * NOTE: If services other than those listed areperformed during the visit, the services may besubject to the deductible.** For PPO Plans, the chart applies only to In-Planservices. All Out-of-Plan services apply to deductible. hne.com413.233.3535 . 800.842.4464
C u s t o mPPOH e al t hPl anSummary of Benefits ChartThis chart provides a summary of key services offered by your HNE plan. Your member agreement has a fulldescription of your plan’s benefits and provisions. If any terms in this summary differ from those in your memberagreement, the terms of the member agreement apply.Note about Prior Approval:Some services may require prior approval. These services are marked with † in the chart. If you do not obtainPrior Approval, benefits may be denied.Deductible per Year* (You must pay this amount forCovered Services before HNE will begin to paybenefits. This is a combined amount for HNE,PHCS, and Out-of-Plan providers. As indicated inthe chart below, some services are not subject to theDeductible.)Reduction of Benefit (Applies to certain services ifPrior Approval is required but not requested.)* This is applied on a Calendar Year basis, fromJanuary 1 through December 31.BenefitInpatient CareAcute Hospital Care and Inpatient Rehabilitation(elective admissions to Out-of-Plan facilities requirePrior Approval)Skilled Nursing Facility† (limited to 100 days perCalendar Year; admissions to Out-of-Plan facilitiesrequire Prior Approval)Outpatient Preventive CareAdult Routine ExamsIn-Plan ProvidersHNE and PHCS Providers 500 per individual / 1,000per familyOut-of-Plan Providers 500 (Does not apply to HNEProviders) 500Your CostIn-Plan ProvidersHNE and PHCS ProvidersYour CostOut-Of-PlanProviders 500 after Deductible; and forPHCS providers up to 500Reduction of Benefit 500 after Deductible; and forPHCS providers up to 500Reduction of Benefit20% Coinsurance afterDeductible & up to 500Reduction of Benefit20% Coinsurance afterDeductible & up to 500Reduction of Benefit 020% Coinsurance afterDeductible20% Coinsurance afterDeductible20% Coinsurance afterDeductible20% Coinsurance afterDeductible20% Coinsurance afterDeductible20% Coinsurance afterDeductibleWell Child Care 0Child and Adult Routine Immunizations 0Routine Prenatal and Postpartum Care 0Routine Eye Exams (limited to one per CalendarYear)Annual Gynecological Exams (limited to one perCalendar Year) 0 0 500 per individual / 1,000 per family
BenefitRoutine Mammograms (routine mammogramslimited to one per Calendar Year)Screening Colonoscopy or Sigmoidoscopy (limitedto one every five Calendar Years; office visits priorto the procedure are subject to applicable Deductible& Copays)Preventive Screenings Listed under "OutpatientPreventive Care" in the Covered Benefits Section ofthe EOCNutritional Counseling (limited to four vists perCalendar Year)Other Outpatient CarePhysician Office Visit (Deductible may apply tosome In-Plan office services.)Second Opinions (Deductible may apply to some InPlan office services.)Telephone and video consultations with internists,family practitioners, and pediatricians for nonemergency medical conditions through TeladocHearing Tests in a Specialist Office or Facility (otherthan routine screenings covered as part of yourannual Routine Exam)Diabetic-Related Items: Outpatient Services (Deductible may apply to someIn-Plan office services.) Lab Services Durable Medical Equipment (some DME requiresPrior Approval) Individual Diabetic Education Group Diabetic EducationYour CostIn-Plan ProvidersHNE and PHCS Providers 0 0 020% Coinsurance afterDeductible 020% Coinsurance afterDeductible 20 Copay per visit 20 Copay per consultation20% Coinsurance afterDeductible20% Coinsurance afterDeductibleNot covered 20 Copay per visit afterDeductible20% Coinsurance afterDeductible 20 Copay per visit20% Coinsurance afterDeductible20% Coinsurance afterDeductible20% Coinsurance afterDeductible & up to 500Reduction of Benefit20% Coinsurance afterDeductible20% Coinsurance afterDeductible 150 Copay per visit20% Coinsurance afterDeductible20% Coinsurance afterDeductible 20 Copay per visit 020% Coinsurance; and forPHCS providers up to 500Reduction of Benefit 20 Copay per visit 20 Copay per sessionEmergency Room Care (Copay waived if admitted)Diagnostic Testing 150 Copay per visit 0 after DeductibleSleep Study† (maximum of two per Calendar Year) 150 after Deductible (oneCopay per year; no Copay forhome sleep studies) 0Lab ServicesRadiological Services: Ultrasound, X-rays, NonRoutine MammogramsDiagnostic Imaging: CT Scans, MRIs, MRAs, PETScans, Nuclear Cardiac Imaging†Your CostOut-Of-PlanProviders20% Coinsurance afterDeductible20% Coinsurance afterDeductible 0 after Deductible 150 Copay after Ded, max 3Copays/year; PHCS providersif no Prior Approval Memberpays all costs20% Coinsurance afterDeductible20% Coinsurance afterDeductible20% Coinsurance afterDeductible; without PriorApproval, Member paysall costs
BenefitOutpatient Short-Term Rehabilitation Services(Limited to two months or 25 visits, whichever isgreater, per condition per Calendar Year for physicalor occupational therapy. The limit does not applywhen services are provided to treat autism spectrumdisorder.)Day Rehabilitation Program (limited to 15 full dayor ½ day sessions per condition per lifetime)Early Intervention Services (Covered for childrenfrom birth to age 3.)Applied Behavioral Analysis (ABA) to treat AutismSpectrum Disorder†Outpatient Surgical Services and Procedures (someservices require Prior Approval; office visit Copaymay apply if done in an In-Plan doctor's office)Allergy Testing and TreatmentAllergy InjectionsFamily Planning ServicesOffice Visit (Deductible may apply to some In-Planoffice services)Infertility ServicesSome Infertility services are covered only forMassachusetts and Connecticut residents. Someservices require Prior Approval.Office Visit (Deductible may apply to some In-Planoffice services)Outpatient Surgery/ Procedure†Lab TestInpatient Care†Maternity CareNon-Routine Prenatal and Postpartum CareYour CostIn-Plan ProvidersHNE and PHCS Providers 20 Copay per visit pertreatment type after DeductibleYour CostOut-Of-PlanProviders20% Coinsurance afterDeductible 25 Copay after Deductible for1 day or 1/2 day 020% Coinsurance afterDeductible20% Coinsurance afterDeductible20% Coinsurance afterDeductible (withoutPrior Approval Memberpays all costs)20% Coinsurance afterDeductible 0 (for PHCS providers,without Prior ApprovalMember pays all costs) 250 after Deductible 20 Copay per visit 020% Coinsurance afterDeductible20% Coinsurance afterDeductible 20 Copay per visit20% Coinsurance afterDeductible 20 Copay per visit; and forPHCS providers without PriorApproval Member pays allcosts 250 after Deductible; and forPHCS providers without PriorApproval Member pays allcosts 0; and for PHCS providerswithout Prior ApprovalMember pays all costs20% Coinsurance afterDeductible: without PriorApproval, Member paysall costs20% Coinsurance afterDeductible: without PriorApproval, Member paysall costs20% Coinsurance afterDeductible: without PriorApproval, Member paysall costs20% Coinsurance afterDeductible: without PriorApproval, Member paysall costs 500 after Deductible; and forPHCS providers without PriorApproval Member pays allcosts 20 Copay per visit20% Coinsurance afterDeductible
BenefitDelivery/Hospital Care for Mother and Child(Coverage for child limited to routine newbornnursery charges. For continued coverage, child mustbe enrolled within 30 days of date of birth.)Dental ServicesSurgical Treatment of Non-Dental Conditions in aDoctor's Office (Deductible may apply to some InPlan office services.)Emergency Dental Care in a Doctor's or Dentist'sOfficeEmergency Dental Care in an Emergency RoomOther ServicesHome Health Care †Hospice Services †Durable Medical Equipment (some items requirePrior Approval)Prosthetic Limbs†Ambulance and Transportation Services (nonemergency transportation requires Prior Approval; ifPrior Approval is not obtained for non-emergencytransportation, Member pays all costs)Kidney DialysisNutritional Support † (not covered without PriorApproval)Cardiac RehabilitationWigs (Scalp Hair Prostheses) for hair loss due totreatment of any form of cancer or leukemia. (HNEcovers one prosthesis per Calendar Year)Speech, Hearing, and Language Disorders † (PriorApproval is required for speech therapy servicesafter the initial evaluation.)Hearing Aids† (Covered for Members age 21 andunder. HNE covers the cost of one hearing aid perhearing impaired ear, every 36 months, up to amaximum of 2,000 for each hearing aid.)Your CostIn-Plan ProvidersHNE and PHCS Providers 500 after DeductibleYour CostOut-Of-PlanProviders20% Coinsurance afterDeductible 20 Copay after Deductible20% Coinsurance afterDeductible 20 Copay per visit20% Coinsurance afterDeductible 150 Copay per visit 150 Copay per visit 0 after Deductible; and forPHCS providers up to 500Reduction of Benefit 0; and for PHCS providers upto 500 Reduction of Benefit20% Coinsurance; and forPHCS providers up to 500Reduction of Benefit20% Coinsurance; and forPHCS providers without PriorApproval Member pays allcosts 100 Copay per day afterDeductible 020% Coinsurance afterDeductible & up to 500Reduction of Benefit20% Coinsurance afterDeductible & up to 500Reduction of Benefit20% Coinsurance afterDeductible & up to 500Reduction of Benefit20% Coinsurance afterDeductible; without PriorApproval, Member paysall costs 100 Copay per day afterDeductible 020% Coinsurance afterDeductible 0 20 Copay per visit afterDeductible20% Coinsurance20% Coinsurance afterDeductible20% Coinsurance 20 Copay per visit afterDeductible; and for PHCSproviders up to 500Reduction of Benefit 0 up to 2,000 per device perear; for PHCS providerswithout Prior ApprovalMember pays all costs20% Coinsurance afterDeductible & up to 500Reduction of Benefit20% Coinsurance afterDeductible (WithoutPrior Approval Memberpays all costs)
BenefitHuman Organ Transplants and Bone MarrowTransplants † (Without Prior Approval, paymentsyoumake to Out-of-Plan Providers for DeductibleandCoinsurance do not count toward your Deductible orMaximum Coinsurance amounts.)Behavioral Health (Includes Mental Health andSubstance Abuse)Inpatient Services†Outpatient Services†In-Plan Out-of-Pocket Maximum* (This is the mostyou pay for cost sharing on Essential Health Benefitseach year before your plan begins to pay 100% ofthe allowed amount. This is a combined amount forHNE and PHCS providers. Most of your In-Plancosts, including your costs for prescription drugs,apply to the Out-of-Pocket Maximum.)Out-of-Plan Out-of-Pocket Maximum* (This is themost you will pay in a year for the combined cost ofyour Medical Deductible and Coinsurance forCovered Services from Out-of-Plan Providers.)* This is based on a Calendar Year, from January 1through December 31.Your CostIn-Plan ProvidersHNE and PHCS Providers 500 after Deductible; and forPHCS providers up to 500Reduction of BenefitYour CostOut-Of-PlanProviders20% Coinsurance afterDeductible & up to 500Reduction of Benefit 500 after Deductible; and forPHCS providers up to 500Reduction of Benefit 20 Copay per visit20% Coinsurance afterDeductible & up to 500Reduction of Benefit20% Coinsurance afterDeductibleIn-Plan ProvidersHNE and PHCS Providers 2,500 per individual / 5,000per familyOut-of-Plan ProvidersNot applicable 3,500 per individual / 7,000 per familyNot applicable
P R E S C R I PTI O NDRUGCOVERAGEPrescription Drugs (certain drugs require Prior Approval)Your Prescription Drug benefit covers those items described in the HNE Formulary.Please call Member Services or visit hne.com for a copy of the HNE Formulary.CopayIn-Plan ProviderCopayOut-of-Plan ProviderGeneric Drugs 10 10 copay, then 20%Formulary Drugs 25 25 copay, then 20%Non-Formulary DrugsThrough Mail Order: (up to a 90-day supply of maintenancemedication)Generic Drugs 45 45 copay, then 20% 20Not CoveredFormulary Drugs 50Not CoveredNon-Formulary Drugs 135Not CoveredAt an In-Plan Pharmacy (up to a 30-day supply)How Your Prescription Drug Coverage WorksHNE is committed to providing our members with access to safe and effective medications. HNE covers mostprescription drugs and a small number of non-prescription drugs and medical supplies. Covered prescription drugsare divided into three tiers with different member copays. Copays you pay for prescription drugs from In-Planproviders are applied toward your In-Plan Out-of-Pocket Maximum.The HNE FormularyCovered prescription drugs are divided into three tiers with different member copays.Level of MemberCopayTierDescription1 - GenericApproved by the U.S. Food and Drug Administration (FDA), GenericDrugs (Tier 1) contain the same active ingredients as brand name drugs,are just as safe and effective, and usually cost less. HNE encourages thedispensing of generic drugs whenever possible. You pay the lowestcopay for generic drugs.Lowest2 - Brand/FormularyBrand/Formulary Drugs (Tier 2) are marketed under a trademarked brandname, usually by one manufacturer, and do not have less costly genericequivalents. Brand/Formulary Drugs are selected based on a review ofthe relative safety, effectiveness and cost of the many FDA-approveddrugs on the market. Your copay for Brand/Formulary Drugs is higherthan for Generic Drugs, but lower than for Brand/Non-Formulary Drugs.Higher than Tier 1Lower than Tier 33 - Brand/Non-FormularyAny brand name drug that HNE has not selected as a Brand/FormularyDrug is a Brand/Non-Formulary Drug (Tier 3). This category includes,any brand name drug that has a generic equivalent (Tier 1) or branddrugs that have formulary generic and brand alternatives. Thesemedications are still covered, but at the highest copay level. HNE doesnot waive or reduce copays for Brand/Non-Formulary drugs.Highest
A small list of drugs is not covered. HNE limits coverage for some prescription drugs. Coverage limits include: Prior Approval: Your doctor has to request coverage from HNE before you can get the drug.Quantity limits: HNE will cover only a certain amount of the drug each month.Step therapy: You have to try a drug used to treat the same condition (therapeutic equivalent) before HNEwill cover the drug.To obtain a complete list of drugs that are excluded, limited, or require prior authorization, or to obtain a copy ofthe HNE Formulary listing, please call Member Services at 413.787.4004 or 800.310.2835 or visit hne.com.Two easy ways to get your prescriptions At a Retail PharmacyThrough the MailThrough our national pharmacy network, you canget medications at participating pharmacies nomatter where in the country you are. Whetheryou’re home, on vacation, or away for business orother reasons, you can fill prescriptions at any ofthe more than 50,000 pharmacies that participate inour national network. Participating pharmaciesinclude CVS, Costco, Stop & Shop, Brooks/MaxiDrug, Walgreens and Target.We also offer a mail service option, in case youwant to get your prescriptions through the mail delivered to your home! Mail service is limited tothose items for which a 90-day supply isappropriate. Your copays for mail serviceprescriptions may be different from your standardprescription copays. Each copay covers up to a 90day supply of a prescription or refill.Just show your HNE ID card, along with yourprescription or refill, and pay the applicable copay. Sorry, there are some items you can’t getthrough the mail service:– Any drugs for which mail service isprohibited by law; and– Prescriptions for which a 90-day supplymay not be appropriate as determined byHNE.– Injectables
C H I R O PR A C TI CSERVI CESOffice Visit Copay: 20What your plancovers We cover up to 12 visits per year for medically necessary chiropractic services.In-Plan Option When you receive services, your In-Plan chiropractor must notify OptumHealthCare Solutions. OptumHealth Care Solutions will work with your In-Planchiropractor to determine the appropriate level of covered services to treat yourcondition. If your chiropractor does not notify OptumHealth Care Solutions, youwill not be held financially liable for the services. HNE will cover your visits with an In-Plan chiropractor. A 20 copay applies foreach visit. Copays you pay for In-plan chirop
Women’s Health Birthday Card (sent to women age 35 and over) Men’s Health Birthday Card (sent to men age 50 and over) Living Well Grocery Store Tours Walk through the grocery store with a registered dietician! You’ll learn how to read food labels, count carbohydrates, determine
