Serving: Minneapolis-St. Paul, St. Cloud, Minnesota, West Central
Wisconsin
Enrollment in this Plan is limited. You must live or work in
our Geographic service
area to enroll. See page 9 for requirements.
Enrollment codes for this Plan:
531 High Option-Self Only
532 High
Option-Self and Family
534 Standard Option-Self Only
535 Standard Option-Self and Family
Authorized for distribution by the:
United States
Office of Personnel
Management
Retirement and Insurance Service
http:// www. opm. gov/
insure
RI 73-009
For changes in benefits,
see page
8.
This plan has been awarded a "Commendable" accreditation for it's
HMO,
point-of-service and Medicare products from the National
Committee for
Quality Assurance (NCQA). This is granted to health
plans that deliver high
quality care and service and whose systems
for consumer protection and
quality improvement exceed NCQA's
rigorous requirements. See the 2002 Guide
for more information on
NCQA. 1
1 Page 2 3
2002 HealthPartners
Classic Plan 2 Introduction/ Plain Language/ Advisory
Table of
Contents
Introduction………………………………………………………………….................................................................
4
Plain
Language………………………………………………………………................................................................
4
Inspector General Advisory……………………………………………………………………………………………. 5
Section 1. Facts about this HMO
plan............................................................................................................................
6
How we pay
providers...................................................................................................................................
6
Who provides my health care?
......................................................................................................................
6
Your Rights
...................................................................................................................................................
6
Service Area
..................................................................................................................................................
7
Section 2. How we change for 2002………………………………………..
................................................................ 8
Program-wide changes
..................................................................................................................................
8
Changes to this Plan
......................................................................................................................................
8
Section 3. How you get care
…………..........................................................................................................................
9
Identification cards
........................................................................................................................................
9
Where you get covered care
..........................................................................................................................
9
Plan providers
.........................................................................................................................................
9
Plan
facilities...........................................................................................................................................
9
What you must do to get covered care
..........................................................................................................
9
Primary care
............................................................................................................................................
9
Specialty care
..........................................................................................................................................
9
Hospital care
.........................................................................................................................................
10
Circumstances beyond our control
..............................................................................................................
11
Services requiring our prior
approval..........................................................................................................
11
Section 4. Your costs for covered
services...................................................................................................................
12
Copayments...........................................................................................................................................
12
Deductible
.............................................................................................................................................
12
Coinsurance...........................................................................................................................................
12
Your out-of-pocket
maximum.....................................................................................................................
12
Section 5.
Benefits…………………………………………………………...............................................................
13
Overview
.....................................................................................................................................................
13
(a) Medical services and supplies provided by physicians and other health
care professionals ........... 14
(b) Surgical and anesthesia services
provided by physicians and other health care professionals........ 25
(c)
Services provided by a hospital or other facility, and ambulance
services...................................... 30
(d) Emergency services/
accidents
..........................................................................................................
33
(e) Mental health and substance abuse
benefits.....................................................................................
35
(f) Prescription drug
benefits.................................................................................................................
37 2
2 Page 3 4
2002 HealthPartners Classic Plan 3
Introduction/ Plain Language/ Advisory
(g) Special
features.................................................................................................................................
40
CareLine nurse line
BabyLine Service
Partners for Better Health
Phone Line
Services for deaf and hearing impaired
(h) Dental
benefits..................................................................................................................................
41
(i) Non-FEHB benefits available to Plan
members...............................................................................
42
Section 6. General exclusions --things we don't
cover...............................................................................................
43
Section 7. Filing a claim for covered services
.............................................................................................................
44
Section 8. The disputed claims
process........................................................................................................................
45
Section 9. Coordinating benefits with other coverage
.................................................................................................
47
When you have…
Other health coverage
.........................................................................................................................
47
Original Medicare
...............................................................................................................................
47
Medicare managed care
plan...............................................................................................................
49
TRICARE/ Workers' Compensation/
Medicaid............................................................................................
49
Other Government agencies
........................................................................................................................
50
When others are responsible for
injuries.....................................................................................................
50
Section 10. Definitions of terms we use in this
brochure.............................................................................................
51
Section 11. FEHB facts
................................................................................................................................................
52
Coverage
information..................................................................................................................................
52
No pre-existing condition limitation
...................................................................................................
52
Where you get information about enrolling in the FEHB
Program.................................................... 52
Types of
coverage available for you and your family
........................................................................ 52
When benefits and premiums
start......................................................................................................
52
Your medical and claims records are
confidential..............................................................................
53
When you
retire...................................................................................................................................
53
When you lose benefits
...............................................................................................................................
53
When FEHB coverage ends
................................................................................................................
53
Spouse equity
coverage.......................................................................................................................
53
Temporary Continuation of Coverage
(TCC).....................................................................................
53
Converting to individual
coverage......................................................................................................
53
Getting a Certificate of Group Health Plan Coverage
........................................................................ 54
Long term care insurance is coming later in 2002
........................................................................................................
55
Department of Defense/ FEHB Demonstration Project
.................................................................................................
56
Index
.................................................................................................................................................................
58
Summary of benefits
.....................................................................................................................................................
59
Rates
..................................................................................................................................................
Back cover 3
3 Page
4 5
2002 HealthPartners Classic Plan
4 Introduction/ Plain Language/ Advisory
Introduction
Group Health, Inc. dba HealthPartners Classic
8100 34 th Avenue
South
Minneapolis, Minnesota 55440
This brochure describes the benefits of HealthPartners Classic under our
contract (CS 1048) with the Office of Personnel Management
(OPM), as
authorized by the Federal Employees Health Benefits law. This brochure is the
official statement of benefits. No oral
statement can modify or otherwise
affect the benefits, limitations, and exclusions of this brochure.
If you are enrolled in this Plan, you are entitled to the benefits described
in this brochure. If you are enrolled for Self and Family
coverage, each
eligible family member is also entitled to these benefits. You do not have a
right to benefits that were available before
January 1, 2002, unless those
benefits are also shown in this brochure.
OPM negotiates benefits and rates with each plan annually. Benefit changes
are effective January 1, 2002, and changes are
summarized on page 8. Rates
are shown at the end of this brochure.
Plain Language
Teams of Government and health plans' staff worked
on all FEHB brochures to make them responsive, accessible, and understandable to
the public. For instance,
Except for necessary technical terms, we use
common words. For instance, "you" means the enrollee or family member; "we"
means HealthPartners Classic.
We limit acronyms to ones you know. FEHB is
the Federal Employees Health Benefits Program. OPM is the Office of Personnel
Management. If we use others, we tell you what they mean first.
Our brochure
and other FEHB plans' brochures have the same format and similar descriptions to
help you compare plans.
If you have comments or suggestions about how to
improve the structure of this brochure, let OPM know. Visit OPM's "Rate Us"
feedback area at www. opm. gov/ insure or e-mail OPM at fehbwebcomments@ opm.
gov. You may also write to OPM at the Office of
Personnel Management, Office of Insurance Planning and Evaluation Division,
1900 E Street, NW, Washington, DC 20415-3650. 4
4
Page 5 6
2002
HealthPartners Classic Plan 5 Introduction/ Plain Language/ Advisory
Inspector General Advisory
Stop health care fraud! Fraud
increases the cost of health care for everyone. If you suspect that a physician,
pharmacy, or hospital has charged you for services you did not receive, billed
you twice for the same service, or
misrepresented any information, do the
following:
Call the provider and ask for an explanation. There may be an error.
If
the provider does not resolve the matter, call us at 952/ 883-5000 and explain
the situation.
If we do not resolve the issue, call or write
THE
HEALTH CARE FRAUD HOTLINE
202/ 418-3300
The United States Office of
Personnel Management
Office of the Inspector General Fraud Hotline
1900
E Street, NW, Room 6400
Washington, DC 20415
Penalties for Fraud Anyone who falsifies a claim to obtain FEHB
Program benefits can be prosecuted for fraud. Also, the Inspector General may
investigate anyone who uses an ID card if the person tries to obtain
services for someone who is not an eligible family member, or is no longer
enrolled in the Plan and tries to obtain benefits. Your agency may also take
administrative action against you. 5
5 Page 6 7
2002 HealthPartners
Classic Plan 6 Section 1
Section 1. Facts about this HMO plan
This Plan is a health maintenance organization (HMO). We require you to
see specific physicians, hospitals, and other providers that
contract with
us. These Plan providers coordinate your health care services.
HMOs emphasize preventive care such as routine office visits, physical exams,
well-baby care, and immunizations, in addition to
treatment for illness and
injury. Our providers follow generally accepted medical practice when
prescribing any course of treatment.
When you receive services from Plan providers, you will not have to submit
claim forms or pay bills. You only pay the copayments,
coinsurance, and
deductibles described in this brochure. When you receive emergency services from
non-Plan providers, you may
have to submit claim forms.
You should join an HMO because you prefer the plan's benefits, not because
a particular provider is available. You cannot
change plans because a
provider leaves our Plan. We cannot guarantee that any one physician, hospital,
or other provider will
be available and/ or remain under contract with us.
How we pay providers
We contract with individual physicians,
medical groups, and hospitals to provide the benefits in this brochure. These
Plan providers
accept a negotiated payment from us, and you will only be
responsible for your copayments or coinsurance.
Who provides my health care?
We are a group practice prepayment
plan that allows our members to receive health services at over 92 medical,
mental health and
dental facilities and 27 contracting hospitals throughout
the Twin cities and surrounding areas, including St. Cloud. Our medical
providers include 667 primary care doctors and over 1, 200 community
specialists to whom patients are referred. Members may
choose any medical
center in our network for primary care. Each covered person in a family may
select a different medical center.
Your Rights
OPM requires all FEHB Plans to provide certain
information to their FEHB members. You may get information about us, our
networks, providers, and facilities. OPM's FEHB website (www. opm. gov/
insure) lists the specific types of information that we must
make available
to you. Some of the required information is listed below.
HealthPartners, Inc. is a Minnesota nonprofit corporation under Articles of
Incorporation dated December 28, 1983, and is operated
under the Minnesota
Nonprofit Corporation Act, Minnesota Statues Chapter 317A. HealthPartners was
formed through the affiliation
of Group Health, Inc. and MedCenters Health
Plan in 1992. Group Health, Inc. (a 501( c) (3) corporation) has been in
existence as a
nonprofit corporation since 1957. MedCenters Health Plan was
founded in 1972, and is no longer in existence.
HealthPartners is Minnesota's only consumer-guided health plan. Our Board of
Directors is composed of consumer-elected members.
HealthPartners is a
licensed HMO in the State of Minnesota. Group Health, Inc. is a federally
qualified HMO, and received that
qualification in 1974.
Information on the following topics is available by calling HealthPartners
Member Services:
Plan preauthorization and utilization review procedures Use
of clinic protocols, practice guidelines and utilization review standards
Special disease management programs and programs for persons with
disabilities Prescription drug formulary and procedures for considering requests
of patient-specific waivers
Qualifications of reviewers at the initial
decision and reconsideration under the FEHB disputed claims process Member
Services representatives are available from 7: 30 a. m. until 6: 00 p. m.,
Monday through Friday.
If you want more information about us, call 952/ 883-5000 or 1-800-883-2177
(hearing impaired individuals should call 952/ 883-
5127), or write to
HealthPartners, P. O. Box 1309, Minneapolis, MN 55440-1309. You may also contact
us by fax at 952/ 883-5666 or
visit our website at www. healthpartners. com.
6
6 Page 7 8
2002 HealthPartners Classic Plan 7 Section 1
Service Area
To enroll in this Plan, you must live or work in
our service area. This is where our providers practice. Our service area is:
The following full counties in Minnesota: Anoka, Benton, Carver, Chisago,
Dakota, Hennepin, Morrison, Ramsey, Rice, Scott,
Sherburne, Stearns,
Washington and Wright.
The following partial counties in Minnesota: Isanti and Mille Lacs **
The
following full counties in Wisconsin: Pierce, Polk, and St. Croix.
Ordinarily, you must get your care from providers who contract with us. If
you receive care outside our service area, we will pay only
for emergency
care. We will not pay for any other health care services out of our service area
unless the services have prior plan
approval.
If you or a covered family member move outside of our service area, you can
enroll in another plan. If your dependents live out of the
area (for
example, if your child goes to college in another state), you should consider
enrolling in a fee-for-service plan or an HMO
that has agreements with
affiliates in other areas. If you or a family member move, you do not have to
wait until Open Season to
change plans. Contact your employing or retirement
office.
** Includes the following zip codes:
Isanti Mille Lacs
County County
55006 55371
55008 56313
55017 56330
55029
56353
55040 56363
55080 7
7 Page 8 9
2002 HealthPartners
Classic Plan 8 Section 2
Section 2. How we change for 2002
Do not rely on these change descriptions; this page is not an official
statement of benefits. For that, go to Section 5 Benefits. Also, we
edited
and clarified language throughout the brochure; any language change not shown
here is a clarification that does not change
benefits.
Program-wide changes
We changed the address for sending disputed
claims to OPM.
Changes to this Plan
Your share of the non-Postal premium will
increase by 5.4% for High Option Self Only or 4.4% for High Option Self and
Family and by 48.2% for Self Only Standard Option and by 63.7% for Self and
Family Standard Option.
We no longer limit total blood cholesterol tests to certain age groups.
(Section 5( a))
We changed speech therapy benefits by removing the
requirement that services must be required to restore functional speech.
(Section 5( a))
We now cover certain intestinal transplants (Section 5( b))
We increased
our coverage of tobacco cessation products to include 180-day limit.
We
increased the office visit copay from $10 for high option and $15 for standard
option, to $15 for high option and $20 for standard option.
We now require a $15 copay for allergy testing and treatment for high option
and a $20 copay for standard option. You pay nothing for injections and serum.
We now use a formulary for the prescription drug benefit. The copays
increased for high option to $10 for formulary and $20 for non-formulary
proscription units or refills; $20 for mail order formulary and $40 for mail
order non-formulary for up to a 90-day
supply for high option. The copays
increased for standard option to $11 for formulary and $22 for non-formulary
prescription
units or refills, and $22 for mail order formulary and $44 for
mail order non-formulary drugs for up to a 90-dday supply.
We increased the emergency room copay from $40 per visit to $50 per visit,
for high and standard option for emergency care you receive within our service
area.
We decreased the benefit for oral contraceptives from one copay for 3 cycles
of drugs, to one copay per cycle.
We clarified that we cover wigs required
due to hair loss caused by alopetia areata with 20 percent coinsurance and a
maximum Plan payment of $350 per calendar year. 8
8
Page 9 10
2002
HealthPartners Classic Plan 9 Section 3
Section 3. How you get
care
Identification cards We will send you an identification (ID) card
when you enroll. You should carry your ID card with you at all times. You must
show it whenever you receive services from a Plan
provider, or fill a
prescription at a Plan pharmacy. Until you receive your ID card, use
your
copy of the Health Benefits Election Form, SF-2809, your health benefits
enrollment confirmation (for annuitants), or your Employee Express
confirmation letter.
If you do not receive your ID card within 30 days after the effective date of
your
enrollment, or if you need replacement cards, call us at 952/ 883-5000
or 1-800-883-2177
(hearing impaired individuals should call 952/ 883-5127).
Where you get covered care You get care from "Plan providers" and
"Plan facilities." You will only pay copayments and/ or coinsurance, and you
will not have to file claims.
Plan providers Plan providers are physicians and other health care
professionals in our service area that we contract with to provide covered
services to our members. We credential Plan
providers according to national
standards. HealthPartners Classic is a group practice
prepayment plan that
allows members to receive health services at over 80 medical,
mental health
and dental facilities. HealthPartners Classic medical providers include 712
primary care doctors and over 5,969 community specialists to whom patients
are referred.
Members can choose any medical center in the Plan's network
for their primary care.
Each covered person in a family may select a
different medical center.
We list Plan providers in the provider directory, which we update
periodically.
Plan facilities Plan facilities are hospitals and other facilities in
our service area that we contract with to provide covered services to our
members. We list these in the provider directory, which
we update
periodically.
What you must do It depends on the type of care you need. First, you
and each family member must choose to get covered care a primary care
physician. This decision is important since your primary care physician
provides or arranges for most of your health care. To choose a primary care
physician,
call your clinic. Each covered person in a family may select a
different medical center.
Primary care Your primary care physician can be a family practitioner,
internist or pediatrician. Your primary care physician will provide most of your
health care, or give you a referral to see
a specialist.
If you want to
change primary care physicians or if your primary care physician leaves
the
Plan, call us. We will help you select a new one.
Specialty care Your primary care physician will refer you to a
specialist for needed care. When you receive a referral from your primary care
physician, you must return to the primary care
physician after the
consultation, unless your primary care physician authorized a certain
number
of visits without additional referrals. The primary care physician must provide
or
authorize all follow-up care. Do not go to the specialist for return
visits unless your
primary care physician gives you a referral. However, a
woman may see a plan
gynecologist associated with her clinic for her annual
wellness exam without a referral. 9
9 Page 10 11
2002
HealthPartners Classic Plan 10 Section 3
Here are other things
you should know about specialty care:
If you need to see a specialist
frequently because of a chronic, complex, or serious medical condition, your
primary care physician will develop a treatment plan that
allows you to see
your specialist for a certain number of visits without additional
referrals.
Your primary care physician will use our criteria when creating your
treatment plan (the physician may have to get an authorization or approval
beforehand).
If you are seeing a specialist when you enroll in our Plan, talk to your
primary care physician. Your primary care physician will decide what treatment
you need. If he or
she decides to refer you to a specialist, ask if you can
see your current specialist. If
your current specialist does not participate
with us, you must receive treatment from a
specialist who does. Generally,
we will not pay for you to see a specialist who does
not participate with
our Plan.
If you are seeing a specialist and your specialist leaves the Plan, call your
primary care physician, who will arrange for you to see another specialist. You
may receive
services from your current specialist until we can make
arrangements for you to see
someone else.
If you have a chronic or disabling condition and lose access to your
specialist because we:
terminate our contract with your specialist for other than cause; or
drop
out of the Federal Employees Health Benefits (FEHB) Program and you enroll in
another FEHB Plan; or
reduce our service area and you enroll in another FEHB Plan,
you may be
able to continue seeing your specialist for up to 90 days after you receive
notice of the change. Contact us or, if we drop out of the Program, contact
your new
plan.
If you are in the second or third trimester of pregnancy and you lose access
to your
specialist based on the above circumstances, you can continue to see
your specialist until
the end of your postpartum care, even if it is beyond
the 90 days.
Hospital care Your Plan primary care physician or specialist will make
necessary hospital arrangements and supervise your care. This includes admission
to a skilled nursing or other type of
facility.
If you are in the
hospital when your enrollment in our Plan begins, call our customer
service
department immediately at 952/ 883-5000 or 1-800-883-2177 (hearing impaired
individuals should call 952/ 883-5127). If you are new to the FEHB Program,
we will
arrange for you to receive care.
If you changed from another FEHB plan to us, your former plan will pay for
the hospital
stay until:
You are discharged, not merely moved to an alternative care center; or
The day your benefits from your former plan run out; or
The 92 nd day
after you become a member of this Plan, whichever happens first.
These
provisions apply only to the benefits of the hospitalized person. 10
10 Page 11 12
2002 HealthPartners Classic Plan 11 Section
3
Circumstances beyond our control Under certain extraordinary
circumstances, such as natural disasters, we may have to delay your services or
we may be unable to provide them. In that case, we will make all
reasonable
efforts to provide you with the necessary care.
Services requiring our Your primary care physician has authority to
refer you for most services. For certain prior approval services,
however, your physician must obtain approval from us. Before giving approval,
we consider if the service is covered, medically necessary, and follows
generally
accepted medical practice.
We call this review and approval process prior authorization. Your Plan
physician must
obtain prior authorization for services, such as:
reconstructive surgery promising therapies/ new technologies
transplants
medically necessary dental care, such as orthagnathic surgery
durable
medical equipment and prosthetics home health care
skilled nursing care
hospice care
habilitative therapy
There may be additional services for
which we require prior authorization. Your Plan
physician is responsible for
obtaining prior authorization. 11
11 Page 12 13
2002
HealthPartners Classic Plan 12 Section 4
Section 4.
Your costs for covered services
You must share the cost of some
services. You are responsible for:
Copayments A copayment is a fixed
amount of money you pay to the provider, facility, pharmacy, etc., when you
receive services.
Example: When you see your primary care physician you pay a copayment of $15
for the
High Option Plan and $20 for the Standard Option Plan per office
visit; and when you go
in the hospital, you pay $200 per admission for the
Standard Option Plan, in addition to
the coinsurance shown below.
Deductible A deductible is a fixed expense you must incur for certain
covered services and supplies before we start paying benefits for them. Expenses
you incur for any other services do
not apply to this deductible.
We have a separate deductible for accidental injury dental benefits. Expenses
you incur for any other services do not apply to this deductible.
Note: if you change plans during open season, you do not have to start a new
deductible
under your old plan between January 1 and the effective date of
your new plan.
Coinsurance Coinsurance is the percentage of our negotiated fee that
you must pay for your care.
Example: In our Plan, you pay 20% of our
allowance for infertility services and durable
medical equipment; and when
you go in the hospital for the Standard Option Plan, you
pay a $200
copayment per admission and 20% of the next $3,500 of charges per calendar
year.
Your catastrophic After your copayments and/ or coinsurance total
$3,000 per person or $5,000 per family protection out-of-pocket
enrollment in any calendar year, you do not have to pay any more for covered
services.
maximum for deductibles, Be sure to keep accurate records
of your copayments and/ or coinsurance since you are
coinsurance, and
copayments responsible for informing us when you reach the maximum. 12
12 Page 13 14
2002 HealthPartners Classic 13 Section 5
Section 5. Benefits --OVERVIEW
(See page 8 for how our
benefits changed this year and page 59 for a benefits summary.)
NOTE: This benefits section is divided into subsections. Please read
the important things you should keep in mind at the beginning of each
subsection. Also read the General Exclusions in Section 6; they apply to the
benefits in the following subsections. To obtain
claims forms, claims filing
advice, or more information about our benefits, contact us at 952/ 883-5000 or
1-800-883-2177 (hearing impaired individuals should call 952/ 883-5127) or at
our website at www. healthpartners. com.
(a) Medical services and supplies provided by physicians and other health
care professionals..... 14-24{ page #'s of section}
Diagnostic and
treatment services Lab, X-ray, and other diagnostic tests
Preventive care,
adult Preventive care, children
Maternity care
Family planning
Infertility services
Allergy care Treatment therapies
Physical and occupational therapies
Speech therapy Hearing services (testing, treatment, and
supplies)
Vision services (testing, treatment, and supplies)
Foot care
Orthopedic and prosthetic devices Durable medical equipment
(DME)
Home health services Chiropractic
Alternative treatments Educational
classes and programs
(b) Surgical and anesthesia services provided by physicians and other health
care professionals ........................ 25-29
Surgical procedures
Reconstructive surgery
Oral and maxillofacial surgery
Organ/
tissue transplants Anesthesia
(c) Services provided by a hospital or other facility, and ambulance services
....................................................... 30-32
Inpatient
hospital Outpatient hospital or ambulatory surgical
center
Extended
care benefits/ skilled nursing care facility benefits
Hospice care
Ambulance
(d) Emergency services
...............................................................................................................................................
33-34
Medical emergency Ambulance
(e) Mental health and substance abuse benefits
........................................................................................................
35-36
(f) Prescription drug benefits
.....................................................................................................................................
37-39
(g) Special
features............................................................................................................................................................
40
CareLine Nurse Line BabyLine Service Partners for Better Health
Phone Line Services for deaf and hearing impaired
(h) Dental benefits
.............................................................................................................................................................
41
(i) Non-FEHB benefits available to Plan
members........................................................................................................
42
Summary of benefits
...........................................................................................................................................................
59 13
13 Page 14
15
2002 HealthPartners Classic 14 Section 5(
a)
Section 5 (a) Medical services and supplies provided by physicians
and other health care professionals
I M
P O
R T
A N
T
Here are some important things to keep in mind about these benefits:
Please remember that all benefits are subject to the definitions,
limitations, and exclusions in this brochure and are payable only when we
determine they are medically necessary.
Plan physicians must provide or arrange your care.
Be sure to read
Section 4, Your costs for covered services, for valuable information
about how cost sharing works. Also read Section 9 about coordinating benefits
with other
coverage, including with Medicare.
I M
P O
R T
A N
T
Benefit Description You pay
Diagnostic and treatment services High Option Standard Option
Professional services of physicians
In physician's office
In
an urgent care center
Office medical consultations
Second surgical
opinion
$15 per office visit $20 per office visit
Professional services of physicians
During a hospital stay
In a
skilled nursing facility
Nothing Nothing
Not covered: genetic counseling and studies not required for diagnosis and
treatment. All charges All charges
Lab, X-ray and other diagnostic
tests High Option Standard Option
Tests, such as:
Blood tests
Urinalysis
Non-routine pap tests
Pathology
X-rays
Non-routine Mammograms
CT Scans/ MRI
Ultrasound
Electrocardiogram and EEG
Nothing Nothing 14
14 Page
15 16
2002 HealthPartners Classic
15 Section 5( a)
Preventive care, adult High Option Standard
Option
Routine health exams, periodic health assessments, and cancer
screenings, such as:
Total Blood Cholesterol – once every three years
Colorectal Cancer
Screening, including
Fecal occult blood test
Sigmoidoscopy,
screening – every five years starting at age 50
Prostate Specific Antigen
(PSA test) – one annually for men age 40 and older
Routine pap test
Testing and treatment of sexually transmitted
diseases and testing for HIV and HIV related conditions provided by a Plan or
non-Plan
provider
Routine hearing and eye exams
Nothing Nothing
Routine mammogram –covered for women age 35 and older, as follows:
From
age 35 through 39, one during this five year period
From age 40 through
64, one every calendar year
At age 65 and older, one every two consecutive
calendar years
Adult immunizations
Note: The above frequency guidelines
are minimum benefits offered under the Plan. These services may be provided more
frequently if
they are medically necessary.
Nothing Nothing
Not covered: Physical exams required for obtaining or continuing
employment or insurance, attending schools or camp, or travel. All charges All
charges
Preventive care, children High Option Standard Option
Childhood immunizations recommended by the American Academy of
Pediatrics
Child health supervision services, including well-child care charges for
routine examinations, immunizations and care (through age 22).
Routine
hearing and eye exams.
Nothing Nothing 15
15 Page
16 17
2002 HealthPartners Classic
16 Section 5( a)
Maternity care High Option Standard Option
Complete maternity (obstetrical) care, such as:
Prenatal care
Postnatal care
Nothing Nothing
Delivery
Note: Here are some things to keep in mind:
You do not
need to prior authorize your normal delivery; see page 30 for other
circumstances, such as extended stays for you or your
baby.
You may remain in the hospital up to 48 hours after a regular
delivery and 96 hours after a cesarean delivery. We will extend
your inpatient stay if medically necessary.
We cover routine nursery
care of the newborn child during the covered portion of the mother's maternity
stay. We will cover other
care of an infant who requires non-routine treatment only if we cover the
infant under a Self and Family enrollment.
We pay hospitalization and surgeon services (delivery) the same as for
illness and injury.
See Hospital
benefits (Section 5c)
and Surgery benefits
(Section
5b)
See Hospital
benefits (Section 5c)
and Surgery benefits
(Section
5b)
Not covered: Routine sonograms to determine fetal age, size or sex. All
charges All charges
Family planning High Option Standard Option
A broad range of voluntary family planning services, such as:
Family planning services provided by a Plan provider or non-Plan provider
Nothing Nothing
Voluntary sterilization $15perofficevisit Nothingforinpatient
oroutpatienthospital
$20perofficevisit Nothingfor
inpatientor outpatienthospital
Surgically implanted contraceptives (such as Norplant)
Injectable
contraceptive drugs (such as Depo provera)
Intrauterine devices (IUDs)
Note: we cover oral contraceptives and diaphragms under the prescription
drug benefit.
20% of charges 20% of charges
Not covered: reversal of voluntary surgical sterilization or genetic
counseling, All charges All charges 16
16
Page 17 18
2002
HealthPartners Classic 17 Section 5( a)
You pay
Infertility services High Option Standard Option
Diagnosis and
treatment of infertility, such as:
Artificial insemination:
intravaginal insemination (IVI)
intracervical insemination
(ICI)
intrauterine insemination (IUI)
Fertility drugs
Note: We cover injectable fertility drugs under medical benefits and oral
fertility drugs under the prescription drug benefit. We cover the diagnosis
of infertility services provided by a Plan or non-Plan provider.
20% of charges 20% of charges
Not covered:
Assisted reproductive technology (ART)
procedures, such as:
in vitro fertilization
embryo
transfer, gamete GIFT and zygote ZIFT
Services and supplies
related to excluded ART procedures
Cost of donor sperm or ova
Cost of storage of donor sperm,
ova or embryo
Treatment of infertility after reversal of
sterilization
Artificial insemination for surrogate pregnancy
All charges All charges
Allergy care High Option Standard Option
Testing and treatment $15
per office visit $20 per office visit
Allergy injection and serum Nothing Nothing
Not covered: provocative
food testing and sublingual allergy desensitization All charges All charges
17
17 Page 18
19
2002 HealthPartners Classic 18 Section 5(
a)
You pay
Treatment therapies High Option Standard Option
Chemotherapy and radiation therapy
Note: High dose chemotherapy in
association with autologous bone marrow transplants are limited to those
transplants listed under
Organ/ Tissue Transplants on page 28.
Respiratory and inhalation
therapy
Dialysis – Hemodialysis and peritoneal dialysis
Intravenous
(IV)/ Infusion Therapy
$15 per office visit
Nothing for inpatient or
outpatient hospital
$20 per office visit
Nothing for inpatient or
outpatient hospital
Blood and blood plasma (unless replaced) and blood derivatives for the
treatment of blood disorders Nothing Nothing
Growth hormone therapy (GHT)
Note: Growth hormone is covered under the prescription drug benefit.
Note: – We will only cover GHT when your Plan physician prior authorizes the
treatment. If we determine GHT is not medically
necessary, we will not cover
the GHT or related services and supplies. See Services requiring our prior
approval in Section 3.
20% of charges 20% of charges
Not covered: Growth hormones which are not for growth hormone deficiency
or chronic renal insufficiency. All charges All charges 18
18 Page 19 20
2002 HealthPartners Classic 19 Section 5( a)
You pay
Physical and occupational therapies High Option Standard
Option
Two months per condition for the services of each of the
following:
qualified physical therapists;
occupational therapists.
Note: We only cover therapy to restore bodily function when there has been a
total or partial loss of bodily function due to illness or
injury. You must achieve significant functional improvement, within a
predictable period of time (generally within a period of two
months), toward
your maximum potential ability to perform functional daily living activities.
Habilitative care rendered for congenital, developmental or medical
conditions which have significantly limited the successful initiation of
normal speech and motor development.
Note: To be considered
habilitative, significant functional improvement and measurable progress must be
made toward
achieving functional goals and your maximum potential ability, within a
predictable period of time. We will supplement and
coordinate such services
with similar benefits made available by other agencies, including the public
school system. Our Plan Medical
Director will determine whether measurable
progress has been made based on objective documentation.
$15 per office visit
Nothing for inpatient or
outpatient hospital
$20 per office visit
Nothing for inpatient or
outpatient hospital
Cardiac rehabilitation following a heart transplant, bypass surgery or a
myocardial infarction, is provided for Phase I. Phase II is provided
if we
determine it is medically necessary. Phase III is not covered.
$15 per
office visit
Nothing for inpatient or
outpatient hospital
$20 per office visit
Nothing for inpatient or
outpatient hospital
Not covered:
exercise programs
All charges All charges
19
19 Page 20
21
2002 HealthPartners Classic 20 Section 5(
a)
You pay
Speech therapy High Option Standard Option
Speech therapy for congenital, developmental or medical conditions which
have significantly limited the successful
initiation of normal speech development or for restoration of speech.
Note: To be considered habilitative, significant functional improvement and
measurable progress must be made toward
achieving functional goals and your
maximum potential ability, within a predictable period of time. We will
supplement and coordinate such services with similar benefits made available
by other agencies, including the public school
system. Our Plan Medical
Director will determine whether measurable progress has been made based on
objective
documentation.
$15 per office visit
Nothing for inpatient or
outpatient hospital
$20 per office visit
Nothing for inpatient or
outpatient hospital
Hearing services (testing, treatment, and supplies) High Option Standard
Option
First hearing aid and testing only when necessitated by
accidental injury
Hearing testing (see Preventive care, adults, children)
Nothing
Nothing
Not covered:
all other hearing testing
hearing
aids, testing and examinations for them
All charges All charges 20
20 Page 21 22
2002
HealthPartners Classic 21 Section 5( a)
You pay
Vision
services (testing, treatment, and supplies) High Option Standard Option
Diagnosis and treatment of illness and injury to the eye; and $15 per
office visit $20 per office visit
Initial evaluation, lenses and fitting for contact or eyeglass lenses if
medically necessary for the post-surgical treatment of cataracts or for
the
treatment of aphakia or keratoconous
$15 per office visit.
All charges for lens replacement
beyond the initial pair
$20 per office visit.
All charges for lens replacement
beyond the
initial pair
Eye exam to determine the need for vision correction (see preventive care)
Annual eye refractions
Note: See Preventive care, children for eye
exams for children.
Nothing Nothing
Not covered:
Eyeglasses or contact lenses and, except as
described above
Eye exercises
Radial keratotomy and
other refractive surgery
All charges All charges
Foot care High Option Standard Option
Routine foot care when you
are under active treatment for a metabolic or peripheral vascular disease, such
as diabetes.
See orthopedic and prosthetic devices for information on podiatric shoe
inserts.
$15 per office visit $20 per office visit
Not covered:
Cutting, trimming or removal of corns, calluses,
or the free edge of toenails, and similar routine treatment of conditions of the
foot,
except as stated above.
Treatment of weak, strained or flat
feet or bunions or spurs; and of any instability, imbalance or subluxation of
the foot (unless the
treatment is by open cutting surgery).
All charges All charges 21
21 Page 22 23
2002
HealthPartners Classic 22 Section 5( a)
You pay
Orthopedic
and prosthetic devices High Option Standard Option
We cover the
following:
Orthopedic devices, such as braces and foot orthotics;
Prosthetic devices, such as artificial limbs and eyes;
Externally worn
breast prostheses and surgical bras, including necessary replacements, following
a mastectomy;
Internal prosthetic devices, such as artificial joints, pacemakers,
cochlear implants, and surgically implanted breast implant
following
mastectomy. Note: We pay internal prosthetic devices as hospital benefits; see
Section 5( c) for payment information. See 5( b)
for coverage of the surgery
to insert the device; and
Corrective orthopedic appliances for non-dental
treatment of temporomandibular joint (TMJ) pain dysfunction syndrome.
Orthopedic and corrective shoes when approved by this Plan based on our
criteria
20% of charges 20% of charges
Wigs required due to hair loss caused by alopetia areata up to a $350 Plan
payment per calendar year. 20% of charges, and
all charges beyond the
$350 calendar
year limit
20% of charges, and
all charges beyond the
$350 calendar
year
limit
Not covered:
over-the-counter foot orthotics
replacement or repair of any covered items if they are damaged or destroyed
by member misuse, abuse or carelessness; lost; or stolen.
duplicate or similar items.
items which are primarily
educational in nature or for vocation, comfort, convenience or recreation.
All charges All charges 22
22 Page 23 24
2002
HealthPartners Classic 23 Section 5( a)
You pay
Durable
medical equipment (DME) High Option Standard Option
Rental or purchase,
at our option, including repair and adjustment, of durable medical equipment
prescribed by your Plan physician, such as
oxygen and dialysis equipment. Under this benefit, we also cover:
hospital beds;
wheelchairs;
crutches;
walkers;
blood
glucose monitors; and
insulin pumps.
20% of charges 20% of charges
Not covered:
replacement or repair of any covered items if
they are damaged or destroyed by member misuse, abuse or carelessness; lost; or
stolen.
duplicate or similar items.
items which are primarily
educational in nature or for vocation, comfort, convenience or recreation.
household equipment, such as exercise cycles, air purifiers, water
purifiers, air conditioners, non-allergenic pillows, mattresses or
water
beds.
household fixtures, such as escalators or elevators, ramps,
swimming pools or saunas.
modifications to the home, such as wiring, plumbing or charges to
install equipment.
vehicle, car or van modifications, such as hand
brakes, hydraulic lifts and car carriers.
Rental of medically
necessary durable medical equipment while your own equipment is being repaired,
that is beyond one month
rental
All charges All charges
Home health services High Option Standard Option
We cover home
health care ordered by a Plan physician and provided by a registered nurse (R.
N.), licensed practical nurse (L. P. N.), or home
health aide, as shown below:
Physical therapy, occupational therapy,
speech therapy, respiratory therapy and home health aide services. $15 per visit
$20 per visit
TPN/ intravenous therapy, skilled nursing services, prenatal and postnatal
services, child health services, and phototherapy. Nothing Nothing
Not
covered:
nursing care requested by, or for the convenience of, the
patient or the patient's family;
home care primarily for personal assistance that does not include a
medical component and is not diagnostic, therapeutic, or
rehabilitative.
All charges All charges 23
23 Page 24 25
2002
HealthPartners Classic 24 Section 5( a)
You pay
Chiropractic High Option Standard Option
Chiropractic services for
rehabilitative care, provided to diagnose and treat acute neuromusculo-skeletal
conditions, limited to:
Manipulation of the spine and extremities
Adjunctive procedures such
as message therapy, ultrasound, electrical muscle stimulation, vibratory
therapy, and cold pack
application, when they are performed in conjunction with other treatment by a
chiropractor, are part of a prescribed treatment plan
and are not billed
separately.
$15 per office visit $20 per office visit
Not covered:
Naturopathic services Hypnotherapy
All charges
All charges
Alternative treatments High Option Standard Option
We cover the
following services:
Acupuncture – by a certified Plan acupuncturist for:
anesthesia
pain management
chemical dependency headaches
nausea
Biofeedback for:
incontinence headaches
musculo-skeletal spasms which do not respond to other treatments
mental/ nervous disorders
neurological retraining
$15 per office visit $20 per office visit
Not covered: naturopathic services
hypnotherapy
All charges All charges
Educational classes and programs High Option Standard Option
We
cover education for preventive services and smoking cessation Nothing Nothing
We cover education for the management of chronic health problems (such as
diabetes) $15 per office visit/
session
$20 per office visit/ session 24
24 Page 25 26
2002 HealthPartners Classic 25 Section 5( b)
Section 5 (b). Surgical and anesthesia services provided by
physicians and other health care professionals
I M
P O
R T
A N
T
Here are some important things to keep in mind about these benefits:
Please remember that all benefits are subject to the definitions,
limitations, and exclusions in this brochure and are payable only when we
determine they are medically necessary.
Plan physicians must provide or arrange your care.
Be sure to read
Section 4, Your costs for covered services, for valuable information
about how cost sharing works. Also read Section 9 about coordinating benefits
with other coverage, including with
Medicare.
The services described in this section are for the charges
billed by a physician or other health care professional for your surgical care.
The amount that you pay for these services depends on where the
services are provided and follow the benefits described in Section 5 (a) and
(c), unless otherwise specified below.
YOUR PHYSICIAN MUST GET PRIOR AUTHORIZATION OF SOME SURGICAL PROCEDURES.
Please refer to the prior authorization information shown in Section 3 to be
sure
which services require prior authorization and identify which surgeries
require prior authorization
I M
P O
R T
A N
T
Benefit Description You pay
Surgical procedures High Option Standard
Option
A comprehensive range of services, such as:
Operative procedures
Treatment of fractures, including casting
Normal pre-and post-operative
care by the surgeon
Correction of amblyopia and strabismus Endoscopy
procedures
Biopsy procedures Removal of tumors and cysts
Correction of
congenital anomalies (see reconstructive surgery)
Surgical treatment of
morbid obesity Insertion of internal prosthetic devices. See 5( a) –
Orthopedic and
Prosthetic devices for device coverage information. *See note below
$15 per office visit
Nothing for inpatient or
outpatient hospital
$20 per office visit
Nothing for inpatient or
outpatient hospital
Voluntary sterilization
Treatment of burns
*Note: Generally, we
pay for internal prostheses (devices) according to where the procedure is done.
For example, we pay Hospital benefits for
a pacemaker and for insertion of the pacemaker.
$15 per office visit
Nothing for inpatient or
outpatient hospital
$20 per office visit
Nothing for outpatient hospital;
Inpatient hospital is $200 per admission
plus 20% of the next $3,500 per
calendar year
Not covered:
Reversal of voluntary
sterilization Routine treatment of conditions of the foot; see Foot
care.
All charges All charges 25
25 Page 26 27
2002
HealthPartners Classic 26 Section 5( b)
You pay
Reconstructive surgery High Option Standard Option
Surgery to correct a functional defect
Surgery to correct a condition
caused by injury or illness if:
the condition produced a major effect on
the member's appearance and
the condition can reasonably be expected to be corrected by such surgery
Surgery to correct a condition that existed at or from birth and is a
significant deviation from the common form or norm. Examples of
congenital
anomalies are: protruding ear deformities; cleft lip; cleft palate; birth marks;
port wine stains*; webbed fingers; and webbed
toes.
* Note: port wine
stains do not have to result in a functional defect to be covered.
$15 per office visit
Nothing for inpatient or
outpatient hospital
$20 per office visit
Nothing for outpatient hospital;
Inpatient
hospital is $200 per admission
plus 20% of the next $3500 per
calendar
year
All stages of breast reconstruction surgery following a mastectomy, such
as:
surgery to produce a symmetrical appearance on the other breast;
treatment of any physical complications, such as lymphedemas;
breast prostheses and surgical bras and replacements (see Prosthetic devices)
Note: If you need a mastectomy, you may choose to have the procedure
performed on an inpatient basis and remain in the hospital up to 48
hours
after the procedure.
Nothing Nothing
Not covered: Cosmetic surgery – any surgical procedure (or any
portion of a
procedure) performed primarily to improve physical appearance
through change in bodily form, except repair of accidental injury
Surgeries related to sex transformation, unless determined medically
necessary by the Plan Medical Director
All charges All charges 26
26 Page 27 28
2002
HealthPartners Classic 27 Section 5( b)
You pay
Oral and
maxillofacial surgery High Option Standard Option
Oral surgical
procedures, limited to: Reduction of fractures of the jaws or facial bones;
Surgical correction of cleft lip, cleft palate (limited to dependent
children to age 18);
Removal of stones from salivary ducts; Excision of
leukoplakia or malignancies;
Excision of cysts and incision of abscesses
when done as independent procedures; and
Other surgical procedures that do
not involve the teeth or their supporting structures, including non-dental
treatment of
temporomandibular joint dysfunction (TMJ).
$15perofficevisit
Nothingforinpatient oroutpatienthospital
$20perofficevisit
Nothingfor outpatienthospital;
Inpatienthospitalis
$200perpersonper
admissionplus 20% of the next
$3,500 per calendar year
Orthognathic surgery for the treatment of a skeletal malocclusion when a
functional occlusion cannot be achieved through non-surgical
treatment alone
and a demonstrable functional impairment exists.
25% of charges 25% of
charges
Not covered: Oral implants and transplants
Procedures that involve the teeth or their supporting structures (such as the
periodontal membrane, gingiva, and alveolar bone)
Orthodontic services (pre or post operative) associated with
orthognathic surgery.
All charges All charges 27
27 Page 28 29
2002
HealthPartners Classic 28 Section 5( b)
You pay
Organ/
tissue transplants High Option Standard Option
Transplant services are
covered at our designated centers of excellence for transplants and are limited
to:
Cornea
Heart
Heart/ lung
Kidney
Kidney/ Pancreas
for diabetes
Liver, for bilary atresia ion children, primary bilary
cirrhosis, post acute viral infection (including hepatitus A, hepatitus B
anitgen e
negative and hepatitus C) causing acute atrophy or post necrotic cirrhosis,
primary sclerosing cholangitis and alcoholic cirrhosis
Lung: Single – Double, for primary pulmonary hypertension, Eisenmenger's
syndrome, end stage pulmonary fibrosis, alpha 1
antitrypsin disease, cystic
fibrosis and emphysema
Autologous bone marrow transplants (autologous stem
cell and peripheral stem cell support) for the following conditions: acute
lymphocytic or non-lymphocytic leukemia; Hodgkin's lymphoma; non-Hodgkin's
lymphoma; Burkitt's lymphoma; neuroblastoma;
breast cancer; multiple
myeloma; epithelial ovarian cancer; and testicular, mediastinal, retroperitoneal
and ovarian germ cell tumors
Allogenic (donor) bone marrow transplants or peripheral stem cell support
associated with high dose chemotherapy for acute
myelogenous leukemia; acute
lymphotytic leukemia; chronic myelogenouis leukemia; severe combined
immunodeficiency
disease; Wiscott-Aldrich syndrome; and aplastic anemia
Intestinal transplants (small intestine) and the small intestine with the
liver or small intestine with multiple organs such as the liver,
stomach, and pancreas
Limited Benefits -Treatment for breast cancer, multiple myeloma, and
epithelial ovarian cancer may be provided in an NCI-or NIH-approved
clinical
trial at a Plan-designated center of excellence and if approved by the Plan's
medical director in accordance with the Plan's protocols.
Note: We cover related medical and hospital expenses of the donor when we
cover the recipient.
Nothing The first $200 per person per
admission plus 20% of the next
$3,500
of charges per calendar year
Not covered:
Donor screening tests and donor search expenses,
except those performed for the actual donor
Implants of artificial organs
Transplants not listed as
covered
All charges All charges 28
28 Page 29 30
2002
HealthPartners Classic 29 Section 5( b)
You pay
Anesthesia
High Option Standard Option
Professional services provided in –
Hospital (inpatient) Nothing Thefirst$200of chargesperperson
peradmissionplus 20%ofthenext
$3,500ofcharges per calendar year
Professional services provided in –
Ambulatory surgical center
Nothing Nothing
Professional services provided in –
Hospital outpatient department
Skilled nursing facility
Office
$15 per office visit $20 per office visit 29
29
Page 30 31
2002
HealthPartners Classic 30 Section 5( c)
Section 5 (c).
Services provided by a hospital or other facility, and ambulance services
I
M
P O
R T
A N
T
Here are some important things to remember about these benefits:
Please remember that all benefits are subject to the definitions, limitations,
and exclusions in this brochure and are payable only when we determine they are
medically necessary.
Plan physicians must provide or arrange your care
and you must be hospitalized in a Plan facility.
Be sure to read Section 4, Your costs for covered services, for
valuable information about how cost sharing works. Also read Section 9 about
coordinating benefits with other coverage, including with Medicare.
The amounts listed below are for the charges billed by the facility (i. e.,
hospital or surgical center) or ambulance service for your surgery or care and
any costs
associated with the professional charge (i. e., physicians, etc.) which are
described in Sections 5( a) or (b).
I M
P O
R T
A N
T
Benefit Description You pay
Inpatient hospital High Option Standard
Option
Room and board, such as
ward, semiprivate, or intensive
care accommodations; general nursing care; and
meals and special diets.
Other hospital services and supplies, such as:
Operating, recovery, maternity, and other treatment rooms
Prescribed
drugs and medicines Diagnostic laboratory tests and X-rays
Administration of blood and blood products
Blood and blood plasma
(unless replaced) and blood derivatives Dressings, splints, casts, and sterile
tray services
Medical supplies and equipment, including oxygen Anesthetics, including
nurse anesthetist services
Take-home items Medical supplies, appliances,
medical equipment, and any covered
items billed by a hospital for use at
home
NOTE: If you want a private room when it is not medically necessary,
you pay the additional charge above the semiprivate room rate.
Nothing The first $200 of charges per
person per admission plus
20%
of the next $3,500 of
charges per calendar year.
Not covered:
Custodial care
Non-covered
facilities, such as nursing homes, extended care facilities, schools
Personal comfort items, such as telephone, television, barber services,
guest meals and beds
Private nursing care
All charges All charges 30
30 Page 31 32
2002
HealthPartners Classic 31 Section 5( c)
You pay
Outpatient
hospital or ambulatory surgical center High Option Standard Option
Operating, recovery, and other treatment rooms
Prescribed drugs and
medicines Diagnostic laboratory tests, X-rays, and pathology services
Administration of blood, blood plasma, and other biologicals
Blood
and blood plasma (unless replaced) and blood derivatives Pre-surgical testing
Dressings, casts, and sterile tray services Medical supplies, including
oxygen
Anesthetics and anesthesia service
NOTE: – We cover hospital
services and supplies related to dental procedures when necessitated by a
non-dental physical impairment. We
do not cover the dental procedures.
Nothing Nothing
Extended care/ skilled nursing care facility benefits High Option Standard
Option We cover a comprehensive range of benefits for up to 180 days per
period of confinement when full-time skilled nursing care is necessary and
confinement in a skilled nursing facility is medically appropriate as
determined by your Plan doctor and prior authorized by this Plan. All
necessary services are covered, including:
Bed, board and general nursing care
Drugs, biologicals, services and
equipment ordinarily provided or arranged by the skilled nursing facility when
prescribed by your
Plan doctor.
Period of confinement means (1) continuous stay in a
hospital or skilled nursing facility, or (2) a series of two or more stays in a
hospital or
skilled nursing facility for the same condition in which the end of each
inpatient stay is separated from the beginning of the next one by less
than
90 days. Same condition means illness or injury related to a former illness or
injury that is (1) within the same ascertainable
diagnosis, or (2) within
the scope of complications, or related conditions.
Nothing The first $200 of charges per
person per admission plus
20%
of the next $3,500 of
charges per calendar year.
Not covered: custodial care All charges All charges 31
31 Page 32 33
2002 HealthPartners Classic 32 Section 5( c)
You pay
Hospice care High Option Standard Option
We cover
supportive and palliative care in your home or a hospice if you are terminally
ill. We cover the following services:
Outpatient care, family counseling and continuous care* Nothing $20 per
office
visit
Inpatient care Nothing The first $200 of charges per
admission plus 20%
of the next
$3,500 of charges
Respite care* 20% of charges 20% of charges
Note: Respite care is limited to 5 days per episode, and respite care and
continuous care combined are limited to 30 days.
Not covered: independent
nursing, homemaker services All charges All charges
Ambulance High Option Standard Option
Ambulance and medical
transportation for medical emergencies described in section 5( d). 20% of
charges 20% of charges
Prior authorized transfers between network hospitals for treatment if
initiated by a Plan physician. Nothing Nothing 32
32
Page 33 34
2002
HealthPartners Classic 33 Section 5( d)
Section 5 (d).
Emergency services/ accidents
I M
P O
R T
A N
T
Here are some important things to keep in mind about these benefits:
Please remember that all benefits are subject to the definitions, limitations,
and exclusions in this brochure.
Be sure to read Section 4, Your costs for covered services, for
valuable information about how cost sharing works. Also read Section 9 about
coordinating benefits with other
coverage, including with Medicare.
I M
P O
R T
A N
T
What is a medical emergency?
A medical emergency is the sudden and unexpected onset of a condition or
an injury that you believe endangers your life or could result in serious injury
or disability, and requires immediate medical or
surgical care. Some problems are emergencies because, if not treated
promptly, they might become more serious; examples include deep cuts and broken
bones. Others are emergencies because they are
potentially life-threatening,
such as heart attacks, strokes, poisonings, gunshot wounds, or sudden inability
to breathe. There are many other acute conditions that we may determine are
medical emergencies – what
they all have in common is the need for quick
action.
What to do in case of emergency:
Emergencies within our service area:
If you need emergency care, call your clinic, or call the CareLine sm nurse
after hours at 612/ 339-3663 (hearing impaired individuals should call 952/
883-5474).
The service nurse or Plan doctor will recommend how, when and
where to obtain the appropriate treatment. In extreme emergencies, if you are
unable to contact your clinic or the CareLine sm nurse, contact
the local
emergency system (e. g., 911 telephone system) or go to the nearest hospital
emergency room.
Emergencies outside our service are: You must notify
us within two days of admittance to an out-of-network hospital, or as soon as
reasonably possible under the circumstances. If a Plan doctor
believes care can be better provided in a Plan hospital, you will be
transferred when medically feasible with any ambulance charges covered in full.
Follow-up care recommended by non-Plan providers must be
approved by this
Plan or provided by our providers. 33
33 Page 34 35
2002
HealthPartners Classic 34 Section 5( d)
You pay
Emergency
within our service area High Option Standard Option
Emergency care and
urgent care at a doctor's office $15 per office visit $20 per office visit
Emergency care and urgent care as an outpatient at a hospital, including
doctors' services
Note: copay waived if admitted to the hospital for the
same condition within 24 hours.
$50 per visit $50 per visit
Not covered: Elective care or non-emergency care All charges All charges
Emergency outside our service area High Option Standard Option
Emergency care and urgent care at a doctor's office
Emergency care
and urgent care at an urgent care center Emergency care and urgent care as an
outpatient at a hospital,
including doctors' services
20% of the first $2,500 of
charges per calendar year
20% of the first
$2,500 of
charges per calendar year
Emergency admission to an out of the area hospital, including doctors'
services 20% of the first $2,500 of
charges per calendar year
The first
$200 of charges per
person per admission plus
20% of the next $3,500 of
charges per calendar year
Not covered:
Elective care or non-emergency care
Emergency care provided outside the service area if the need for care could
have been foreseen before leaving the service area
Medical and hospital costs resulting from a normal full-term delivery of
a baby outside the service area
All charges All charges
Ambulance High Option Standard Option
Ambulance and medical
transportation for medical emergencies described in section 5( d).
Note: air ambulance is covered if medically necessary.
20% of charges 20%
of charges 34
34 Page
35 36
2002 HealthPartners Classic
35 Section 5( e)
Section 5 (e). Mental health and substance
abuse benefits
I M
P O
R T
A N
T
When you get our approval for services and follow a treatment plan we
approve, cost-sharing and limitations for Plan mental health and substance abuse
benefits will be no greater than for other
illnesses and conditions.
Here are some important things to keep in mind about these benefits:
All benefits are subject to the definitions, limitations, and
exclusions in this brochure.
Be sure to read Section 4, Your costs for
covered services, for valuable information about how cost sharing works.
Also read Section 9 about coordinating benefits with other coverage,
including with Medicare.
YOU MUST GET PREAUTHORIZATION OF THESE
SERVICES. See the instructions after the benefits descriptions below.
I M
P O
R T
A N
T
Benefit Description You pay
Mental health and substance abuse benefits
High Option Standard Option
All diagnostic and treatment services contained in a treatment plan that we
approve. The treatment plan may include services,
drugs, and supplies
described elsewhere in this brochure.
Note: In-Network benefits are payable
only when we determine the care is clinically appropriate to treat your
condition and only
when you receive the care as part of a treatment plan that we approve.
Your cost sharing responsibilities are no greater than for other illness or
conditions.
Professional services, including individual or by providers
such as
psychiatrists, psychologists, or clinical social workers
Medication management
$15 per office visit $20 per office visit
Group therapy $7.50 per office
visit $10 per office visit
Diagnostic tests Nothing Nothing
Mental health and substance abuse benefits --Continued on next page.
35
35 Page 36
37
2002 HealthPartners Classic 36 Section 5(
e)
Mental health and substance abuse benefits (continued)
You pay
High Option Standard Option
Services provided by a
hospital or other facility
Services in approved alternative care settings
such as:
Residential treatment
Partial hospitalization or full-day
hospitalization for mental
health services
Nothing The first $200 of charges per
person per admission plus
20%
of the next $3,500 of
charges per calendar year.
Not covered: Services we have not approved.
Note: OPM will base its
review of disputes about treatment plans on the treatment plan's clinical
appropriateness. OPM
will generally not order us to pay or provide one clinically appropriate
treatment plan in favor of another.
All charges
Prior authorization To be eligible to receive these benefits you must
obtain a treatment plan and follow all of the following authorization processes:
You do not need a referral from your primary care Physician to obtain mental
or substance abuse services. You must use a mental or substance
abuse
provider that is in our Plan network and associated with your clinic. We list
the mental and substance abuse providers associated with your
clinic's care
system in our provider directory. If you have questions or need a provider
directory, call HealthPartners Member Services Department at
952/ 883-5000
or 1-800-883-2177 (hearing impaired individuals should call 952/ 883-5127).
Limitation We may limit your benefits if you do not obtain a treatment
plan. 36
36 Page
37 38
2002 HealthPartners Classic
37 Section 5( f)
Section 5 (f). Prescription drug benefits
I M
P O
R T
A N
T
Here are some important things to keep in mind about these benefits:
We cover prescribed drugs and medications, as described in the chart
beginning on the next page.
All benefits are subject to the definitions, limitations and exclusions in
this brochure and are payable only when we determine they are medically
necessary.
Be sure to read Section 4, Your costs for covered services,
for valuable information about how cost sharing works. Also read Section 9
about coordinating benefits with
other coverage, including with Medicare.
I M
P O
R T
A N
T
There are important features you
should be aware of. These include:
Who can write your prescription.
A plan or referral physician must write the prescription.
Where you
can obtain them. You must fill the prescription at a plan pharmacy or by
mail.
We use a formulary. However, we cover non-formulary drugs
prescribed by a Plan doctor. If your physician believes a name brand product is
necessary or there is no generic available, your physician
may prescribe a name brand drug from a formulary list. This list of name
brand drugs is a preferred list of drugs that we selected to meet patient needs
at a lower cost.
These are the dispensing limitations. Unless otherwise specified in
this section, you may receive up to a 30-day supply per prescription. No more
than a 90-day supply will be covered and dispensed
at a time. A generic
equivalent will be dispensed if available, unless your physician specifically
requires a name brand. If a copayment is required, you must pay one copayment
for each 30-day
supply, or portion thereof, or for each manufacturer's
pre-packaged dispensing unit (but not less than your physicians' recommendation
of a 30-day supply) , except as follows:
For insulin a copayment will apply per vial or box of insulin cartridges.
For contraceptive barrier devices, a copayment will apply per device.
For Mail order drugs, see benefit described below.
If you request a
refill too soon after the last one was filled, it may not be filled at that
time. It may require up to 14 days to get mail order prescriptions filled, so
this service is best for maintenance
drugs, not for drugs you need immediately or for drugs you are taking on a
short-term basis. Federal or state regulations may prevent us from filling
certain prescriptions through our mail order service,
such as laws which
prohibit us from sending narcotic drugs across state lines.
A generic
equivalent will be dispensed if it is available, unless your physician
specifically requires a name brand. If you receive a name brand drug when a
federally-approved generic drug is available,
and your physician has not specified Dispense as Written for the name brand
drug, you may have to pay the difference in cost between the name brand drug and
the generic.
Why use generic drugs? Generic drugs contain the same active
ingredients and are equivalent in strength and dosage to the original name brand
product. Generic drugs cost you and your plan less
money than a name brand
drug.
When you have to file a claim. You do not need to file a
claim for drugs obtained at a network pharmacy or through our mail order
service. You would need to file a claim for prescription drugs
covered as part of an out-of-area emergency, if you did not get them at a
network pharmacy. See section 7. For instructions on filing a claim.
Prescription drug benefits begin on the next page. 37
37 Page 38 39
2002 HealthPartners Classic 38 Section 5( f)
You pay
Covered medications and supplies High Option Standard
Option
We cover the following medications and supplies prescribed by a
Plan
physician and obtained from a Plan pharmacy or through our mail order
program:
Drugs and medicines that by Federal law of the nited States require a
physician s prescription for their purchase
Insulin, with a copay applied per vial Diabetic testing supplies ( see
glucose monitors under Durable
Medical Equipment)
Disposable needles and
syringes for the administration of covered medications
Drugs for sexual dysfunction ( see Limited Benefits on next page) Oral
contraceptive drugs and contraceptive barrier devices, a single
copay charge
will apply for 1 cycle of oral contraceptive drugs or
for each barrier
device
Tobacco cessation products, as determined by this Plan, limited to a 180-day
supply per calendar year. Benefits will be limited to one
product at a time, and no more than a 30-day supply will be covered
and
dispensed at a time.
Mail order benefits High Option Standard Option
You may also get
outpatient prescription drugs which can be self-
administered through
HealthPartners mail order service. For
information on how to obtain drugs
through HealthPartners mail order
service, please call our Member Services
Department at 952/ 883-5000
or 1-800-883-2177 ( hearing impaired individuals
should call 952/ 883-
5127) . This benefit does not apply to drugs listed
under Limited
Benefits below.
$10 copay for
formulary drugs,
$20 copay for non-formulary
drugs.
$11 copay for
formulary drugs,
$22 copay for non-formulary
drugs.
$20 copay for
formulary drugs,
$40 copay for non-formulary
drugs.
$22 copay for
formulary drugs,
$44 copay for non-formulary
drugs.
38
38 Page 39 40
2002 HealthPartners Classic 39 Section 5( f)
You pay
Limited benefits High Option Standard Option
Injectable, implantable contraceptive drugs or devices (such as, Depo Provera,
Norplant, IUDs)
Growth hormones
Injectable drugs for the treatment of infertility
Special dietary treatment for phenylketonuria (PKU)
Drugs for
treatment of sexual dysfunction are limited to six doses per month.
20% of charges 20% of charges
Not covered:
Drugs and supplies for cosmetic purposes
Vitamins, nutrients and food supplements even if a physician
prescribes or administers them, except as specified
Nonprescription medicines
Drugs obtained at a non-Plan
pharmacy, except for out-of-area emergencies
Medical supplies such as dressings and antiseptics
Drugs to
enhance athletic performance
All Charges All Charges 39
39 Page 40 41
2002
HealthPartners Classic 40 Section 5( g)
Section 5 (g). Special
features
Feature Description
CareLine sm nurse line When you call the CareLine after regular clinic
hours, you reach a skilled nurse who is specially trained to assess medical
conditions of all kinds. Call 612/ 339-3663 or 1-800-551-0859 and talk with a
registered nurse who will discuss treatment options and answer your health
questions.
BabyLine sm Service If you're an expecting or new parent and have
questions after regular clinic hours, our BabyLine service is just for you.
BabyLine is staffed by obstetric nurses who can help with questions relating to
pregnancy,
new baby care, nursing and postpartum concerns. Call 612/
333-BABY (333-2229) or 1-800-845-9297.
Partners for Better Health Phone Line The HealthPartners Partners for
Better Health Phone Line is a special service designed to help you improve your
health, prevent disease and lead a healthier lifestyle.
When you call 952/
883-7800 weekdays between 8 a. m. and 6 p. m., you will speak directly with a
health educator or registered dietitian
who will help you develop a
personalized action plan to make healthier choices in you daily routine. You can
also register for health education
classes, learn about member discounts for
many health and safety products, plus much more.
Services for deaf and hearing impaired If you are deaf or hearing
impaired, we have phone lines which you may call for the following services:
Member Services: 952/ 883-5127
CareLine sm Service: 952/ 883-5474
Baby Line sm Service: 952/ 883-5127
Partners for Better Health:
952/ 883-7498 40
40 Page
41 42
2002 HealthPartners Classic
41 Section 5( h)
Section 5 (h). Dental benefits
I M
P
O
R T
A N
T
Here are some important things to keep in mind about these benefits:
Please remember that all benefits are subject to the definitions,
limitations, and exclusions in this brochure and are payable only when we
determine they are medically necessary.
Plan dentists must provide or arrange your care.
There is a $50
calendar year deductible for emergency accidental dental services provided by
non-Plan dentists.
We cover hospitalization for dental procedures only when a nondental
physical impairment exists which makes hospitalization necessary to safeguard
the health of the patient; we do not
cover the dental procedure unless it is
described below.
Be sure to read Section 4, Your costs for covered
services, for valuable information about how cost sharing works. Also read
Section 9 about coordinating benefits with other
coverage, including with Medicare.
I M
P O
R T
A N
T
Dental benefits for High Option Plan (no coverage for Standard Option
Plan) You pay
We cover the preventive and diagnostic dental services
shown below for all members when provided by Plan dentists. Benefit limits are
noted
where they apply.
Routine dental examinations (per Plan
dentist's recommendation); Teeth cleaning, prophylaxis or periodontal
maintenance recall
(limited to twice per year);
Topical application of fluoride (per Plan
dentist's recommendation);
Oral hygiene instruction (per Plan dentist's recommendation); Bitewing
x-rays (limited to once per year); and
Full mouth (panoramic) x-rays
(limited to once every three calendar years).
Nothing
Not covered: other dental services not shown as covered. All charges
Accidental injury benefit
We cover restorative services and
supplies provided by Plan dentists necessary to promptly repair or replace sound
natural teeth, including
the cost and installation of necessary prescription
dental prosthetic items or devices. The need for these services must directly
result from an
accidental injury, not including injury from biting or
chewing, and the treatment or repair must be initiated within twelve months of
the date of
injury.
Nothing
Emergency dental services for accidental injury, as described above, are
covered when they are provided by non-Plan dentists if the services
require
immediate treatment.
$50 calendar year deductible, then 20% of the charges,
up to a
maximum benefit of $300 per calendar year, and any charges
thereafter
Not covered:
any dental services rendered in
connection with previously missing teeth or for teeth not injured in the
accident
other dental services not shown as covered
All charges 41
41 Page 42 43
2002
HealthPartners Classic 42 Section 5( i)
Section 5 (i).
Non-FEHB benefits available to Plan members
The benefits on this page
are not part of the FEHB contract or premium, and you cannot file an FEHB
disputed claim about them. Fees you pay for these services do not count
toward FEHB deductibles or out-of-pocket maximums.
Medicare prepaid plan enrollment – This Plan offers Medicare
recipients the opportunity to enroll in the Plan through Medicare without
payment of an FEHB premium. As indicated on page 59, certain annuitants and
former spouses who are covered by both
Medicare Parts A and B and FEHB may
elect to drop their FEHB coverage and later reenroll in FEHB. Contact your
retirement system for information on changing your FEHB enrollment. Contact us
at 952/ 883-5600 for information on the Medicare prepaid plan
and the cost
of that enrollment.
Expanded Provider Network Option
An Expanded Provider Network
(EPN) option is available to you as a member of this HealthPartners medical
plan. The EPN option offers a network of allied health care professionals in
addition to the network available under your medical plan. EPN health care
professionals include audiologists, chiropractors, home health care
providers, mental health providers, occupational therapists, optometrists,
physical therapists, podiatrists and speech therapists.
The EPN option is offered as a rider, or "add-on," to your current medical
plan. You have the opportunity to purchase the EPN rider within 31 days of
enrolling in this medical plan and annually at your group's renewal date.
The EPN option does not increase or change the benefits under your current
medical plan. The coverage, limitations and exclusions are the same as your
current plan, with a per visit copayment for care received from an EPN provider.
There is a monthly cost to you
for enrolling in the EPN option.
For a
complete EPN Information Packet, including benefit summary, rates, provider
listing and enrollment form, please call HealthPartners Member Services at
952-883-5000 or the toll-free number at 1-800-883-2177. If you have additional
questions about
the EPN option after you receive your packet, please call
Member Services.
Benefits on this page are not part of the FEHB Contract. 42
42 Page 43 44
2002 HealthPartners Classic Section 6 43
Section 6. General exclusions --things we don't cover
The
exclusions in this section apply to all benefits. Although we may list a
specific service as a benefit, we will not cover it
unless your Plan doctor
determines it is medically necessary to prevent, diagnose, or treat your
illness, disease, injury,
or condition.
We do not cover the following:
Care by non-Plan providers except for authorized referrals or emergencies
(see Emergency Benefits);
Services, drugs, or supplies you receive while you
are not enrolled in this Plan;
Services, drugs, or supplies that are not
medically necessary;
Services, drugs, or supplies not required according to
accepted standards of medical, dental, or psychiatric practice;
Experimental
or investigational procedures, treatments, drugs or devices;
Services,
drugs, or supplies related to abortions, except when the life of the mother
would be endangered if the fetus were carried to term or when the pregnancy is
the result of an act of rape or incest;
Services, drugs, or supplies related to sex transformations unless determined
medically necessary by the Plan Medical Director; or
Services, drugs, or
supplies you receive from a provider or facility barred from the FEHB Program.
43
43 Page 44 45
2002 HealthPartners Classic 44 Section 7
Section 7. Filing a claim for covered services
When you see
Plan physicians, receive services at Plan hospitals and facilities, or obtain
your prescription drugs at Plan pharmacies,
you will not have to file
claims. Just present your identification card and pay your copayment,
coinsurance, or deductible.
You will only need to file a claim when you receive emergency services from
non-plan providers. Sometimes these providers bill us
directly. Check with
the provider. If you need to file the claim, here is the process:
Medical, hospital and In most cases, providers and facilities file
claims for you. Physicians drug benefits must file on the form HCFA-1500,
Health Insurance Claim Form. Facilities will file on
the UB-92 form. For
claims questions and assistance, call us at 952/ 883-5000 or 1-800-
883-2177
(hearing impaired individuals should call 952/ 883-5127).
When you must file a claim --such as for out-of-area care --submit it on the
HCFA-1500
or a claim form that includes the information shown below. Bills
and receipts should be
itemized and show:
Covered member's name and ID number;
Name and address physician of the
physician or facility that provided the service or supply;
Dates you received the services or supplies;
Diagnosis;
Type of each
service or supply;
The charge for each service or supply;
A copy of the
explanation of benefits, payments, or denial from any primary payer --such as
the Medicare Summary Notice (MSN); and
Receipts, if you paid for your services.
Submit your claims to:
HealthPartners claims
P. O. Box 1289
Minneapolis, MN 55440-1289
Deadline for filing your claim Send us all of the documents for your
claim as soon as possible. You must submit the claim by December 31 of the year
after the year you received the service, unless timely
filing was prevented
by administrative operations of Government or legal incapacity,
provided the
claim was submitted as soon as reasonably possible.
When we need more information Please reply promptly when we ask for
additional information. We may delay processing or deny your claim if you do not
respond. 44
44 Page
45 46
2002 HealthPartners Classic
45 Section 8
Section 8. The disputed claims process
Follow this Federal Employees Health Benefits Program disputed claims
process if you disagree with our decision on your claim or
request for
services, drugs, or supplies – including a request for preauthorization:
Step Description
1 Ask us in writing to reconsider our initial decision. You must:
(a)
Write to us within 6 months from the date of our decision; and
(b) Send your request to us at: Member Services, P. O. Box 1309, Minneapolis,
MN 55440-1309; and
(c) Include a statement about why you believe our initial
decision was wrong, based on specific benefit
provisions in this brochure;
and
(d) Include copies of documents that support your claim, such as physicians'
letters, operative reports, bills,
medical records, and explanation of
benefits (EOB) forms.
2 We have 30 days from the date we receive your request to:
(a) Pay the
claim (or, if applicable, arrange for the health care provider to give you the
care); or
(b) Write to you and maintain our denial --go to step 4; or
(c) Ask you or your provider for more information. If we ask your provider,
we will send you a copy of our
request— go to step 3.
3 You or your provider must send the information so that we receive it within
60 days of our request. We will then decide within 30 more days.
If we do
not receive the information within 60 days, we will decide within 30 days of the
date the
information was due. We will base our decision on the information
we already have.
We will write to you with our decision.
4 If you do not agree with our decision, you may ask OPM to review it.
You must write to OPM within:
90 days after the date of our letter
upholding our initial decision; or
120 days after you first wrote to us --if
we did not answer that request in some way within 30 days; or
120 days after
we asked for additional information.
Write to OPM at: Office of Personnel Management, Office of Insurance
Programs, Contracts Division 3,
1900 E Street, NW, Washington, D. C.
20415-3630.
Send OPM the following information:
A statement about why you believe our
decision was wrong, based on specific benefit provisions in this brochure;
Copies of documents that support your claim, such as physicians' letters,
operative reports, bills, medical records, and explanation of benefits (EOB)
forms;
Copies of all letters you sent to us about the claim;
Copies of
all letters we sent to you about the claim; and
Your daytime phone number
and the best time to call.
Note: If you want OPM to review different claims, you must clearly identify
which documents apply to
which claim. 45
45
Page 46 47
2002
HealthPartners Classic 46 Section 8
The Disputed Claims
process (Continued)
Note: You are the only person who has
a right to file a disputed claim with OPM. Parties acting as your
representative, such as medical providers, must include a copy of your
specific written consent with the
review request.
Note: The above deadlines may be extended if you show that you were unable to
meet the deadline because
of reasons beyond your control.
5 OPM will review your disputed claim request and will use the information it
collects from you and us to decide whether our decision is correct. OPM will
send you a final decision within 60 days. There are no
other administrative
appeals.
6 If you do not agree with OPM's decision, your only recourse is to sue. If
you decide to sue, you must file the suit against OPM in Federal court by
December 31 of the third year after the year in which you received
the
disputed services, drugs, or supplies or from the year in which you were denied
precertification or prior
approval. This is the only deadline that may not
be extended.
OPM may disclose the information it collects during the review process to
support their disputed claim
decision. This information will become part of
the court record.
You may not sue until you have completed the disputed claims process.
Further, Federal law governs your
lawsuit, benefits, and payment of
benefits. The Federal court will base its review on the record that was
before OPM when OPM decided to uphold or overturn our decision. You may
recover only the amount of
benefits in dispute.
NOTE: If you have a serious or life threatening condition (one that
may cause permanent loss of bodily functions or death if not treated as soon as
possible), and
(a) We haven't responded yet to your initial request for care
or preauthorization/ prior approval, then call us at 952/ 883-5000 or
1-800-883-2177 (hearing impaired individuals should call 952/ 883-5127 and
we will expedite our review; or
(b) We denied your initial request for care or preauthorization/ prior
approval, then:
If we expedite our review and maintain our denial, we will inform OPM so that
they can give your claim expedited treatment too, or
You can call OPM's Health Benefits Contracts Division 3 at 202/ 606-0737
between 8 a. m. and 5 p. m. eastern time. 46
46
Page 47 48
2002
HealthPartners Classic 47 Section 9
Section 9. Coordinating
benefits with other coverage
When you have other health coverage You
must tell us if you are covered or a family member is covered under another
group health plan or have automobile insurance that pays health care expenses
without regard to
fault. This is called "double coverage."
When you have
double coverage, one plan normally pays its benefits in full as the
primary
payer and the other plan pays a reduced benefit as the secondary payer. We, like
other insurers, determine which coverage is primary according to the
National
Association of Insurance Commissioners' guidelines.
When we are the primary payer, we will pay the benefits described in this
brochure.
When we are the secondary payer, we will determine our allowance.
After the primary
plan pays, we will pay what is left of our allowance, up
to the reasonable charges. We
will not pay more than our allowance.
What is Medicare? Medicare is a Health Insurance Program for: People
65 years of age and older.
Some people with disabilities, under 65 years of
age. People with End-Stage Renal Disease (permanent kidney failure requiring
dialysis or a
transplant).
Medicare has two parts:
Part A (Hospital
Insurance). Most people do not have to pay for Part A. If you or your spouse
worked for at least 10 years in Medicare-covered employment, you should be able
to qualify for premium-free Part A insurance. (Someone who was a Federal
employee on
January 1, 1983 or since automatically qualifies.) Otherwise, if
you are age 65 or older,
you may be able to buy it. Contact 1-800-MEDICARE
for more information.
Part B (Medical Insurance). Most people pay monthly for Part B. Generally,
Part B premiums are withheld from your monthly Social Security check or your
retirement
check.
If you are eligible for Medicare, you may have choices
in how you get your health care.
Medicare + Choice is the term used to
describe the various health plan choices available
to Medicare
beneficiaries. The information in the next few pages shows how we
coordinate
benefits with Medicare, depending on the type of Medicare managed care plan
you have.
The Original Medicare Plan The Original Medicare Plan (Original
Medicare) is available everywhere in the United States. It is the (Part A or
Part B) way everyone used to get Medicare benefits and is the way most
people get their
Medicare Part A and Part B benefits now. You may go to any
doctor, specialist, or
hospital that accepts Medicare. The Original Medicare
Plan pays its share and you pay
your share. Some things are not covered
under Original Medicare, like prescription drugs.
When you are enrolled in Original Medicare along with this Plan, you still
need to follow
the rules in this brochure for us to cover your care. You
must coordinate your care with
your Plan primary care physician, who will
authorize your referrals to Plan specialists
and prior authorize services
with the Plan, as specified under Section 3.
We will waive any of our copayments, coinsurance and deductibles.
(Primary payer chart begins on next page.) 47
47 Page 48 49
2002 HealthPartners Classic 48 Section 9
The following chart illustrates whether the Original Medicare Plan or
this Plan should be the primary payer for you according
to your employment
status and other factors determined by Medicare. It is critical that you tell us
if you or a covered family
member has Medicare coverage so we can administer
these requirements correctly.
Primary Payer Chart
Then the primary payer is… A. When either you --or
your covered spouse --are age 65 or over and …
Original Medicare This Plan
1) Are an active employee with the
Federal government (including when you or
a family member are eligible for
Medicare solely because of a disability),
2) Are an annuitant,
3) Are a reemployed annuitant with the Federal
government when…
a) The position is excluded from FEHB,
or…………………………………
………..
b) The position is not excluded from FEHB………………………….
(Ask your employing
office which of these applies to you.)
……………………..………
4) Are a Federal judge who retired under title 28, U. S. C., or a Tax
Court judge who retired under Section 7447 of title 26, U. S. C. (or if
your covered spouse is this type of judge),
5) Are enrolled in Part B only, regardless of your employment status, (for
Part B
services)
(for other
services)
6) Are a former Federal employee receiving Workers' Compensation
and the
Office of Workers' Compensation Programs has determined
that you are unable
to return to duty,
(except for claims
related to Workers'
Compensation.)
B. When you --or a covered family member --have Medicare
based on end
stage renal disease (ESRD) and…
1) Are within the first 30 months of eligibility to receive Part A
benefits solely because of ESRD,
2) Have completed the 30-month ESRD coordination period and are
still
eligible for Medicare due to ESRD,
3) Become eligible for Medicare due to ESRD after Medicare became
primary
for you under another provision,
C. When you or a covered family member have FEHB and…
1) Are
eligible for Medicare based on disability,
a) Are an annuitant, or
………………………………………………… ……….
b) Are an active employee…………………………………………
…………………….. …….
c) Are a former spouse of an annuitant, or
d) Are a former spouse of an
active employee 48
48 Page
49 50
2002 HealthPartners Classic
49 Section 9
Claims process when you have the Original
Medicare Plan – You probably will never
have to file a claim form when you
have both our plan and the Original Medicare Plan.
When we are the primary payer, we process the claim first.
When Original
Medicare is the primary payer, Medicare processes your claim first. In most
cases, your claims will be coordinated automatically and we will pay the
balance of covered charges. You will not need to do anything. To find out if
you
need to do something about filing your claims, call us at 952/ 883-5000
or 1-800/ 883-
2177 (hearing impaired individuals should call 952/ 883-5127.
We waive some costs when you have the Original Medicare Plan – When
Original Medicare is the primary payer, we will waive any of our copayments,
coinsurance, or
deductibles.
Medicare managed care plan If you are eligible for Medicare, you may
choose to enroll in and get your Medicare benefits from another type of
Medicare+ Choice plan – a Medicare managed care plan.
These are health care
choices (like HMOs) in some areas of the country. In most
Medicare managed
care plans, you can only go to doctors, specialists, or hospitals that
are
part of the plan. Medicare managed care plans provide all the benefits that
Original
Medicare covers. Some cover extras, like prescription drugs. To
learn more about
enrolling in a Medicare managed care plan, contact Medicare
at 1-800-MEDICARE (1-
800-633-4227) or at www. medicare. gov.
If you enroll in a Medicare managed care plan, the following options are
available to you:
This Plan and our Medicare managed care plan: You
may enroll in our Medicare
managed care plan and also remain enrolled in our
FEHB plan. In this case, we do waive
any of our copayments, coinsurance, or
deductibles for your FEHB coverage.
This Plan and another plan's Medicare managed care plan: You may
enroll in another plan's Medicare managed care plan and also remain enrolled in
our FEHB plan.
We will still provide benefits when your Medicare managed
care plan is primary, even
out of the managed care plan's network and/ or
service area (if you use our Plan
providers), but we will not waive any of
our copayments, coinsurance, or deductibles. If
you enroll in a Medicare
managed care plan, tell us. We will need to know whether you
are in the
Original Medicare Plan or in a Medicare managed care plan so we can correctly
coordinate benefits with Medicare.
Suspended FEHB coverage to enroll in a Medicare managed care plan: If
you are an
annuitant or former spouse, you can suspend your FEHB coverage to
enroll in a Medicare
managed care plan, eliminating your FEHB premium (OPM
does not contribute to your
Medicare managed care plan premium). For
information on suspending your FEHB
enrollment, contact your retirement
office. If you later want to re-enroll in the FEHB
Program, generally you
may do so only at the next open season unless you involuntarily
lose
coverage or move out of the Medicare managed care plan's service area.
If you do not enroll in If you do not have one or both Parts of
Medicare, you can still be covered under the Medicare Part A or Part B
FEHB Program. We will not require you to enroll in Medicare Part B and, if
you can't
get premium-free Part A, we will not ask you to enroll in it.
TRICARE TRICARE is the health care program for eligible dependents of
military persons and retirees of the military. TRICARE includes the CHAMPUS
program. If both TRICARE
and this Plan cover you, we pay first. See your
TRICARE Health Benefits Advisor if you
have questions about TRICARE
coverage. 49
49 Page
50 51
2002 HealthPartners Classic
50 Section 9
Workers' Compensation We do not cover
services that:
you need because of a workplace-related illness or injury
that the Office of Workers' Compensation Programs (OWCP) or a similar Federal or
State agency determines they
must provide; or
OWCP or a similar agency pays for through a third party injury settlement or
other similar proceeding that is based on a claim you filed under OWCP or
similar laws.
Once OWCP or similar agency pays its maximum benefits for your treatment, we
will
cover your care. You must use our providers.
Medicaid When you have this Plan and Medicaid, we pay first.
When other Government agencies We do not cover services and supplies
when a local, State, are responsible for your care or Federal Government
agency directly or indirectly pays for them.
When others are responsible When you receive money to compensate you
for medical or hospital for injuries care for injuries or illness caused
by another person, you must reimburse us for any
expenses we paid. However,
we will cover the cost of treatment that exceeds the amount
you received in
the settlement.
If you do not seek damages you must agree to let us try. This is called
subrogation.
We will be entitled to immediately collect the present value of
subrogation rights from
any recovery payments you receive, whether or not
you have been fully compensated for
your losses and damages. Unless we
agree, you may not deduct attorneys' fees and
expenses, which you incur in
the recovery of monies from a third party, from the
subrogation/
reimbursement amounts.
If you need more information, contact us for our subrogation procedures. 50
50 Page 51 52
2002 HealthPartners Classic 51 Section 10
Section 10. Definitions of terms we use in this brochure
Calendar
year January 1 through December 31 of the same year. For new enrollees, the
calendar year begins on the effective date of their enrollment and ends on
December 31 of the same
year.
Copayment A copayment is a fixed amount of money you pay when you
receive covered services. See page 12.
Coinsurance Coinsurance is the percentage of our allowance that you
must pay for your care. See page 12.
Covered services Care we provide
benefits for, as described in this brochure.
Deductible A deductible
is a fixed amount of covered expenses you must incur for certain covered
services and supplies before we start paying benefits for those services. See
page 12.
Experimental or This Plan determines if a treatment or procedure is
investigational services experimental/ investigative or unproven if it
is:
Not approved by the U. S. Food and Drug Administration (FDA) to be lawfully
marketed for the proposed use; or
If reliable evidence shows that the drug,
device or medical treatment or procedure is the subject of ongoing Phase I, II,
or III Clinical Trials; or
If reliable evidence shows that the drug, device
or medical treatment or procedure is under study to determine its maximum
tolerated dose, its toxicity, its safety, and its
efficacy as compared with
the standard means of treatment or diagnosis.
Plan allowance Plan allowance is the amount we use to determine our
payment and your coinsurance for covered services. Fee-for-service plans
determine their allowances in different ways.
We determine our allowance as
follows:
For covered services delivered by Plan providers, or Plan referral
providers, our
allowance is the provider's discounted charge for a given
medical/ surgical service,
procedure or item, which Plan providers have
agreed to accept as payment in full.
For covered services delivered by non-Plan providers, our allowance is the
provider's
charge for a given medical/ surgical service, procedure or item,
according to the fair and
reasonable charge amount.
The Fair and Reasonable Charge is the maximum amount we allow when we
calculate
the payment for charges incurred for covered services provided by
non-Plan providers. It
is consistent with what other providers in the same
community charge for a given service
or item, as defined by the Health
Insurance Association of America (HIAA) schedule.
Us/ We Us and we refer to HealthPartners Classic
You You
refers to the enrollee and each covered family member. 51
51 Page 52 53
2002 HealthPartners Classic 52 Section 11
Section 11. FEHB facts
No pre-existing condition We will not
refuse to cover the treatment of a condition that you had limitation
before you enrolled in this Plan solely because you had the condition before
you enrolled.
Where you can get information See www. opm. gov/ insure. Also, your
employing or retirement office can answer your about enrolling in the
questions, and give you a Guide to Federal Employees Health Benefits
Plans,
FEHB Program brochures for other plans, and other
materials you need to make an informed decision about:
When you may change your enrollment;
How you can cover your family
members;
What happens when you transfer to another Federal agency, go on
leave without pay, enter military service, or retire;
When your enrollment ends; and
When the next open season for enrollment
begins.
We don't determine who is eligible for coverage and, in most cases,
cannot change your
enrollment status without information from your employing
or retirement office.
Types of coverage available Self Only coverage is for you alone. Self
and Family coverage is for you, your spouse, for you and your family and
your unmarried dependent children under age 22, including any foster children or
stepchildren your employing or retirement office authorizes coverage for.
Under certain
circumstances, you may also continue coverage for a disabled
child 22 years of age or
older who is incapable of self-support.
If you have a Self Only enrollment, you may change to a Self and Family
enrollment if
you marry, give birth, or add a child to your family. You may
change your enrollment 31
days before to 60 days after that event. The Self
and Family enrollment begins on the
first day of the pay period in which the
child is born or becomes an eligible family
member. When you change to Self
and Family because you marry, the change is effective
on the first day of
the pay period that begins after your employing office receives your
enrollment form; benefits will not be available to your spouse until you
marry.
Your employing or retirement office will not notify you when a family
member is no
longer eligible to receive health benefits, nor will we. Please
tell us immediately when
you add or remove family members from your coverage
for any reason, including
divorce, or when your child under age 22 marries
or turns 22.
If you or one of your family members is enrolled in one FEHB plan, that
person may not
be enrolled in or covered as a family member by another FEHB
plan.
When benefits and premiums start The benefits in this brochure are
effective on January 1. If you joined this Plan during
Open Season, your
coverage begins on the first day of your first pay period that starts on or
after
January 1. Annuitants' coverage and premiums begin on January 1. If
you joined at any other time
during the year, your employing office will
tell you the effective date of coverage. 52
52
Page 53 54
2002
HealthPartners Classic 53 Section 11
Your medical and claims
We will keep your medical and claims information confidential. Only
records are confidential the following will have access to it:
OPM,
this Plan, and subcontractors when they administer this contract;
This Plan
and appropriate third parties, such as other insurance plans and the Office of
Workers' Compensation Programs (OWCP), when coordinating benefit payments and
subrogating claims;
Law enforcement officials when investigating and/ or
prosecuting alleged civil or criminal actions;
OPM and the General Accounting Office when conducting audits;
Individuals
involved in bona fide medical research or education that does not disclose your
identity; or
OPM, when reviewing a disputed claim or defending litigation about a claim.
When you retire When you retire, you can usually stay in the FEHB
Program. Generally, you must have been enrolled in the FEHB Program for the last
five years of your Federal service. If you do not meet
this requirement, you
may be eligible for other forms of coverage, such as temporary continuation
of coverage (TCC).
When you lose benefits
When FEHB coverage ends You will
receive an additional 31 days of coverage, for no additional premium, when:
Your enrollment ends, unless you cancel your enrollment, or
You are a
family member no longer eligible for coverage.
You may be eligible for
spouse equity coverage or Temporary Continuation of Coverage.
Spouse equity If you are divorced from a Federal employee or
annuitant, you may not coverage continue to get benefits under your
former spouse's enrollment. But, you may be eligible
for your own FEHB coverage under the spouse equity law. If you are recently
divorced
or are anticipating a divorce, contact your ex-spouse's employing
or retirement office to
get RI 70-5, the Guide to Federal Employees
Health Benefits Plans for Temporary
Continuation of Coverage and Former
Spouse Enrollees, or other information about your
coverage choices.
Temporary Continuation If you leave Federal service, or if you lose
coverage because you no longer qualify as a of Coverage (TCC) family
member, you may be eligible for Temporary Continuation of Coverage (TCC).
For example, you can receive TCC if you are not able to continue your FEHB
enrollment
after you retire, if you lose your job, if you are a covered
dependent child and you turn 22
or marry, etc.
You may not elect TCC if you are fired from your Federal job due to gross
misconduct.
Enrolling in TCC. Get the RI 79-27, which describes TCC,
and the RI 70-5, the Guide to Federal Employees Health Benefits Plans for
Temporary Continuation of Coverage
and Former Spouse Enrollees, from
your employing or retirement office or from
www. opm. gov/ insure. It
explains what you have to do to enroll.
Converting to You may convert to a non-FEHB individual policy if:
individual coverage Your coverage under TCC or the spouse equity law
ends. (If you canceled your
coverage or did not pay your premium, you cannot
convert);
You decided not to receive coverage under TCC or the spouse equity
law; or
You are not eligible for coverage under TCC or the spouse equity
law. 53
53 Page 54
55
2002 HealthPartners Classic 54 Section 11
If you leave Federal service, your employing office will notify you of
your right to
convert. You must apply in writing to us within 31 days after
you receive this notice.
However, if you are a family member who is losing
coverage, the employing or
retirement office will not notify you. You
must apply in writing to us within 31 days
after you are no longer eligible
for coverage.
Your benefits and rates will differ from those under the FEHB Program;
however, you
will not have to answer questions about your health, and we
will not impose a waiting
period or limit your coverage due to pre-existing
conditions.
Getting a Certificate of The Health Insurance Portability and
Accountability Act of 1996 (HIPAA) is a Federal Group Health Plan Coverage
law that offers limited Federal protections for health coverage availability
and continuity
to people who lose employer group coverage. If you leave the
FEHB Program, we will
give you a Certificate of Group Health Plan Coverage
that indicates howlong you have been
enrolled with us. You can use this
certificate when getting health insurance or other health care
coverage.
Your new plan must reduce or eliminate waiting periods, limitations, or
exclusions for
health related conditions based on the information in the
certificate, as long as you enroll within 63
days of losing coverage under
this Plan. If you have been enrolled with us for less than 12 months, but
were previously enrolled in other FEHB plans, you may also request a
certificate from those plans.
For more information, get OPM pamphlet RI79-27, Temporary Continuation of
Coverage
(TCC) under the FEHB Program. See also the FEHB web site
(www.
opm. gov/ insure/ health): refer to the "TCC and HIPAA: frequently asked
question.
These highlight HIPAA rules, such as the requirement that Federal
employees must
exhaust any TCC eligibility as one condition for guaranteed
access to individual health
coverage under HIPAA, and have information about
Federal and State agencies you can
contact for more information. 54
54 Page 55 56
2002 HealthPartners Classic 55 Long Term
Care Insurance
Long Term Care Insurance Is Coming Later in 2002!
Many FEHB enrollees think that their health plan and/ or Medicare will
cover all their long-term care needs. Unfortunately, they are WRONG!
How are
YOU planning to pay for the future custodial or chronic care you may need?
Consider buying long term care insurance.
The Office of Personnel Management (OPM) will sponsor a high-quality long
term care insurance program effective in October 2002.
As part of its
educational effort, OPM asks you to consider these questions:
What is long term care (LTC) insurance?
It's insurance to help pay
for long term care services you may need if you can't take care of yourself
because of an extended
illness or injury, or an age-related disease such as
Alzheimer's.
LTC insurance can provide broad, flexible benefits for nursing
home care, care in an assisted living facility, care in your
home, adult day
care, hospice care, and more. LTC can supplement care provided by family
members, reducing the burden
you place on them.
I'm healthy. I won't need long term care. Or, will I?
76% of
Americans believe they will never need long term care, but the facts are that
about half of them will. And it's not just
the old folks. About 40% of
people needing long term care are under age 65. They may need chronic care due
to a serious
accident, a stroke, or developing multiple sclerosis, etc.
We hope you will never need long term care, but you should have a plan just
in case. LTC insurance may be vital to your
financial and retirement
planning.
Is long term care expensive?
Yes, a year in a nursing home can
exceed $50,000 and only three 8-hour shifts a week can exceed $20,000 a year,
that's
before inflation!
TLC can easily exhaust your savings but LTC
insurance can protect it.
But won't my FEHB plan, Medicare or Medicaid cover my long term care?
Not FEHB. Look under "Not covered" blocks in sections 5( a) and
5( c) of your FEHB brochure. Custodial care, assisted
living, or continuing
home health care for activities of daily living are not covered. Limited stays
in skilled nursing facilities
can be covered in some circumstances.
Medicare only covers skilled nursing home care after a hospitalization with
a 100 day limit.
Medicaid covers LTC for those who meet their state's
guidelines, but restricts covered services and where they can be
received.
LTC insurance can provide choices of care and preserve your independence.
When will I get more information?
Employees will get more
information from their agencies during the late summer/ early fall of 2002.
Retirees will receive information at home.
How can I find out more about the program NOW?
A toll-free
telephone number will begin in mid-2002. You can learn more about the program
now at
www. opm. gov/ insure/ ltc. 55
55
Page 56 57
2002
HealthPartners Classic 56 DoD/ FEHB Demonstration Project
Department of Defense/ FEHB Demonstration Project
What is it?
The Department of Defense/ FEHB Demonstration Project allows some active and
retired uniformed service members and their dependents to enroll in the FEHB
Program. The
demonstration will last for three years and began with the 1999
open season for the year 2000.
Open season enrollments will be effective
January 1, 2002. DoD and OPM have set up some
special procedures to
implement the Demonstration Project, noted below. Otherwise, the
provisions
described in this brochure apply.
Who is eligible DoD determines who is eligible to enroll in the FEHB
Program. Generally, you may enroll if:
You are an active or retired
uniformed service member and are eligible for Medicare;
You are a dependent
of an active or retired uniformed service member and are eligible for Medicare;
You are a qualified former spouse of an active or retired uniformed service
member and you have not remarried; or
You are a survivor dependent of a
deceased active or retired uniformed service member; and
You live in one of
the geographic demonstration areas.
If you are eligible to enroll in a plan under the regular Federal Employees
Health Benefits
Program, you are not eligible to enroll under the DoD/ FEHBP
Demonstration Project.
The demonstration areas Dover AFB, DE Commonwealth of Puerto Rico Fort
Knox, KY Greensboro/ Winston Salem/ High Point, NC
Dallas, TX Humboldt
County, CA area New Orleans, LA Naval Hospital, Camp Pendleton, CA
Adair
County, IA Coffee County, GA
When you can join You may enroll under
the FEHB/ DoD Demonstration Project during the 2001 open season, November 12,
2001, through December 10, 2001. Your coverage will begin January 1, 2002.
DoD has set-up an Information Processing Center (IPC) in Iowa to provide you
with information
about how to enroll. IPC staff will verify your eligibility
and provide you with FEHB Program
information, plan brochures, enrollment
instructions and forms. The toll-free phone number for
the IPC is 1-877/
DOD-FEHB (1-877/ 363-3342).
You may select coverage for yourself (Self Only) or for you and your family
(Self and Family)
during open season. Your coverage will begin January 1,
2002. If you become eligible for the
DoD/ FEHB Demonstration Project outside
of open season, contact the IPC to find out how to
enroll and when your
coverage will begin.
DoD has a web site devoted to the Demonstration Project. You can view
information such as their
Marketing/ Beneficiary Education Plan, Frequently
Asked Questions, demonstration area locations
and zip code lists at www.
tricare. osd. mil/ fehbp. You can also view information about the
demonstration project, including "The 2002 Guide to Federal Employees Health
Benefits Plans
Participating in the DoD/ FEHB Demonstration Project," on the
OPM web site at www. opm. gov. 56
56 Page 57 58
2002
HealthPartners Classic 57 DoD/ FEHB Demonstration Project
Temporary Continuation See Section 11, FEHB Facts; it explains
temporary continuation of coverage (TCC). Under this of Coverage (TCC)
DoD/ FEHB Demonstration Project the only individual eligible for TCC
is one who ceases to be
eligible as a "member of family" under your self and
family enrollment. This occurs when a child
turns 22, for example, or if you
divorce and your spouse does not qualify to enroll as an
unremarried former
spouse under title 10, United States Code. For these individuals, TCC begins
the day after their enrollment in the DoD/ FEHB Demonstration Project ends.
TCC enrollment
terminates after 36 months or the end of the Demonstration
Project, whichever occurs first. You,
your child, or another person must
notify the IPC when a family member loses eligibility for
coverage under the
DoD/ FEHB Demonstration Project.
TCC is not available if you move out of a DoD/ FEHB Demonstration Project
area, you cancel
your coverage, or your coverage is terminated for any
reason. TCC is not available when the
demonstration project ends.
Other features The 31-day extension of coverage and right to convert
do not apply to the DoD/ FEHB Demonstration Project. 57
57 Page 58 59
2002 HealthPartners Classic 58 Index
Index
{Use this list as a base; remove terms you don't
use; add as appropriate.}
Do not rely on this page; it is for your
convenience and may not show all pages where the terms appear.
Accidental
injury 41 Allergy tests 17
Alternative treatment 24 Allogenetic (donor)
bone marrow transplant
28 Ambulance 34
Anesthesia 29 Autologous bone
marrow transplant 28
Biopsies 25 Birthing centers 30
Blood and
blood plasma 18 Breast cancer screening 15
Casts 31 Catastrophic protection
12
Changes for 2002 8 Chemotherapy 18
Childbirth 16, 30 Chiropractic 24
Cholesterol tests 15 Circumcision 16
Claims 44 Coinsurance 12
Colorectal cancer screening 15 Congenital anomalies 25
Contraceptive
devices and drugs 17 Coordination of benefits 47
Covered charges 12 Covered
providers 9
Crutches 23 Deductible 12
Definitions 51 Dental care
41
Diagnostic services 14, 35 Disputed claims review 45
Donor expenses
(transplants) 28 Dressings 30
Durable medical equipment (DME) 23
Educational classes and programs 24
Effective date of enrollment 4
Emergency 33
Experimental or investigational 43 Eyeglasses 21
Family
planning 16 Fecal occult blood test 15
General Exclusions 49 Hearing services 15, 20
Home health
services 23 Hospice care 32
Home nursing care 23 Hospital 10, 30
Immunizations 15 Infertility 17
Inhospital physician care 30
Inpatient Hospital Benefits 30
Insulin 38 Laboratory and pathological
services 14 Machine diagnostic tests 14
Magnetic Resonance
Imagings (MRIs) 14
Mail Order Prescription Drugs 38 Mammograms 15
Maternity Benefits 16 Medicaid 50
Medically necessary 43 Medicare 47
Members 4 Mental Conditions/ Substance
Abuse Benefits 35 Neurological
testing 14
Newborn care 16 Non-FEHB Benefits 42
Nurse Licensed
Practical Nurse 23
Nurse Anesthetist 29 Nurse Midwife 16
Nurse
Practitioner 14 Psychiatric Nurse 35
Registered Nurse 23 Nursery charges 16
Obstetrical care 16 Occupational therapy 19
Ocular injury 21
Office visits 14
Oral and maxillofacial surgery 27 Orthopedic devices 22
Ostomy and catheter supplies 23 Out-of-pocket expenses 12
Outpatient facility care 31 Oxygen 23, 31
Pap test 14, 15 Physical
examination 15
Physical therapy 23 Physician 14
Point of service (POS) 9
Pre-admission testing 31
Precertification 11 Preventive care, adult 15
Preventive care, children 15 Prescription drugs 37
Preventive services
15 Prior approval 11
Prostate cancer screening 15 Prosthetic devices 22
Psychologist 35 Psychotherapy 35
Radiation therapy 18 Renal
dialysis 18, 23, 47
Room and board 30 Second surgical opinion 14
Skilled nursing facility care 14 Smoking cessation 24
Speech therapy 20
Splints 23
Sterilization procedures 16 Subrogation 50
Substance abuse 35
Surgery 25
Anesthesia 29 Oral 27
Outpatient 31 Reconstructive 26
Syringes 38 Temporary continuation of
coverage 53 Transplants 28
Vision services 21 Well child care 15
Wheelchairs 23
Workers' compensation 50
X-rays 14
Tr eatment Therapies 1 8 58
58 Page 59 60
2002
HealthPartners Classic 59 Summary
Summary of benefits for the
HealthPartners Classic Plan – 2002
Do not rely on this chart alone.
All benefits are provided in full unless indicated and are subject to the
definitions,
limitations, and exclusions in this brochure. On this page we
summarize specific expenses we cover; for more detail,
look inside.
If you want to enroll or change your enrollment in this Plan, be sure to put
the correct enrollment code from the cover
on your enrollment form.
We only cover services provided or arranged by Plan physicians, except in
emergencies.
Benefits High Option
You Pay
Standard Option
You Pay
Page
Medical services provided by physicians:
Diagnostic and treatment
services provided in the
office
.........................................................................
$15 per office visit $20 per office visit 14
Services provided by a hospital:
Inpatient
......................................................................
Outpatient....................................................................
Nothing
$15 per office visit
The first $200 of
charges per admission
per person plus 20%
of
the next $3,500 of
charges per calendar
year.
$20 per office visit
30
31
Emergency benefits:
In-area
.........................................................................
Out-of-area..................................................................
$50 Emergency
Room visit
$15 Urgent Care
Center visit
20% of the first
$2,500; nothing
thereafter
$50 Emergency
Room visit
$15 Urgent Care
Center visit
20% of the first
$2,500; nothing
thereafter
34
34
Mental health and substance abuse treatment................. Regular cost
sharing
Regular cost sharing 35
Prescription
drugs............................................................. $10 copay for
formulary drugs
$20 copay for non-formulary
drugs
$11 copay for
formulary drugs
$22 copay for non-formulary
drugs
37
Dental Care
Preventive dental
Accidental injury
Nothing.
Dental laboratory
charges.
No coverage.
Dental laboratory
charges.
41
Vision
Care.......................................................................
Nothing Nothing 21 59
59 Page
60 61
2002 HealthPartners Classic
60 Summary
Special features: CareLine nurse line BabyLine
Services
Partners for Better Health Phone Line Services for deaf and hearing
impaired
40
Protection against catastrophic costs
(your out-of-pocket maximum)
........................................
$3,000 /Self Only or
$5,000 /Family per
calendar year.
$3,000 /Self Only or
$5,000 /Family per
calendar year. 12 60
60 Page 61
2002
HealthPartners Classic Plan 61
2002 Rate Information for
HealthPartners Classic Plan
Non-Postal rates apply to most non-Postal
enrollees. If you are in a special enrollment category, refer to the FEHB Guide
for that category or contact the agency that maintains
your health benefits
enrollment.
Postal rates apply to career Postal Service employees.
Most employees should refer to the FEHB Guide for United States Postal Service
Employees, RI 70-2. Different postal rates apply and
special FEHB guides are
published for Postal Service Nurses and Tool & Die employees ( see RI
70-2B) ; and for Postal Service Inspectors and Office of Inspector General (
OIG) employees ( see
RI 70-2IN) .
Postal rates do not apply to non-career postal employees, postal retirees, or
associate members of
any postal employee organization. Refer to the
applicable FEHB Guide .
Type of
Enrollment Code
Non-Postal Premium
Biweekly Monthly
Gov' t Your Gov' t Your
Share Share Share Share
Postal Premium
Biweekly
USPS Your
Share Share
Minneapolis St. Paul St. Cloud West Central Wisconsin
High Option Self
Only 531 $ 000.00 $ 000.00 $ 000.00 $ 000.00 $ 000.00 $ 000.00
High Option Self and Family 532 $ 000.00 $ 000.00 $ 000.00 $ 000.00 $
000.00 $ 000.00
Standard Option Self Only 534 $ 000.00 $ 000.00 $ 000.00 $
000.00 $ 000.00 $ 000.00
Standard Option Self and Family 535 $ 000.00 $
000.00 $ 000.00 $ 000.00 $ 000.00 $ 000.00
Non-Postal Premium Postal Premium
Biweekly Monthly Biweekly
Type
of Gov't Your Gov't Your USPS Your
Enrollment Code Share Share Share Share
Share Share
High Option
Self Only HQ1 $97.86 $45.87 $212.03 $99.39 $115.52 $28.21
High Option
Self and Family HQ2 $223.41 $121.51 $484.06 $263.27
$263.75 $81.17
Standard Option
Self Only HQ1 $97.86 $40.48 $212.03 $87.71 $115.52
$22.82
Standard Option
Self and Family HQ2 $223.41 $108.61 $484.06 $235.32
$263.75 $68.27
Non-Postal Premium Postal Premium
Biweekly Monthly Biweekly
Type
of Gov't Your Gov't Your USPS Your
Enrollment Code Share Share Share Share
Share Share
High Option
Self Only 531 $97.86 $45.87 $212.03 $99.39 $115.52 $28.21
High Option
Self and Family 532 $223.41 $121.51 $484.06 $263.27
$263.75 $81.17
Standard Option
Self Only 534 $97.86 $40.48 $212.03 $87.71 $115.52
$22.82
Standard Option
Self and Family 535 $223.41 $108.61 $484.06 $235.32
$263.75 $68.27 61