Summary of Benefits and Coverage: What this Plan Covers & What You Pay For Covered Services

Coverage Period: 01/01/2021 - 12/31/2021

Horizon BCBSNJ: Advantage EPO Gold Coverage for: All Coverage Types Plan Type: EPO

The Summary of Benefits and Coverage (SBC) document will help you choose a health plan. The SBC shows you how you and the
plan would share the cost for covered health care services. NOTE: Information about the cost of this plan (called the premium) will
be provided separately. This is only a summary. Benefits may change upon renewal. For more information about your coverage, or to get a
copy of the complete terms of coverage, visit Member Online Services at www.HorizonBlue.com/members or by calling 1-800-355-BLUE(2583).
If you do not currently have coverage with Horizon BCBSNJ you can view a sample policy here,
http://www.state.nj.us/dobi/division_insurance/ihcseh/sehforms.html. For general definitions of common terms, such as allowed amount,
balance billing, coinsurance, copayment, deductible, provider, or other underlined terms see the Glossary. You can view the Glossary at
www.cciio.cms.gov or call 1-800-355-BLUE (2583) to request a copy.

Important Questions Answers Why This Matters:

What is the overall $0 See the Common Medical Events chart below for your costs for services this plan
deductible? covers.
Are there services covered Yes. Preventive care is covered before This plan covers some items and services even if you haven’t yet met the deductible
before you meet your you meet your deductible. amount. But a copayment or coinsurance may apply. For example, this plan covers
deductible? certain preventive services without cost-sharing and before you meet your
deductible. See a list of covered preventive services at
https://www.healthcare.gov/coverage/preventive-care-benefits/.
Are there other deductibles No. You don’t have to meet deductibles for specific services.
for specific services?
What is the out-of-pocket Yes, For in-network The out-of-pocket limit is the most you could pay in a year for covered services. If
limit for this plan? Health/Pharmacy providers you have other family members in this plan, they have to meet their own out-of-
$5,500.00 Individual /$11,000.00 pocket limits until the overall family out-of pocket limit has been met.
Family. Aggregate family.
What is not included in the Premiums, balance-billing charges and Even though you pay these expenses, they don’t count toward the out–of–pocket
out-of-pocket limit? health care this plan doesn’t cover. limit.
Will you pay less if you use Yes. For a list of in-network This plan uses a provider network. You will pay less if you use a provider in the
a network provider? providers, see plan’s network. You will pay the most if you use an out-of-network provider, and
www.HorizonBlue.com or call 1- you might receive a bill from a provider for the difference between the provider’s
800-355-BLUE (2583) charge and what your plan pays (balance billing). Be aware your network provider
might use an out-of-network provider for some services (such as lab work). Check
with your provider before you get services.
Do you need a referral to No. You can see the specialist you choose without a referral.
see a specialist?

(G3970/P2364)
(G3971/P2364)
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 Common What You Will Pay
Medical Event Services You May Need Network Provider
(You will pay the
least)
If you visit a health Primary care visit to treat an $25.00 Copayment per
care provider’s office injury or illness visit. $15.00 Copayment
or clinic per visit applies only to
Horizon CareOnline.
Specialist visit $45.00 Copayment per
visit. $15.00 Copayment
per visit applies only to
Horizon CareOnline.
Preventive No Charge.
care/screening/immunization
If you have a test Diagnostic test (x-ray, blood No Charge for Office,
work) Independent Laboratory.
$100.00 Copayment per
visit for Outpatient
Hospital.
Imaging (CT/PET scans, MRIs) $100.00 Copayment for
Outpatient Facility per
visit.
If you need drugs to Generic drugs $25.00 Copayment/ Retail
treat your illness or $50.00 Copayment/Mail
condition Order.
More information about Preferred brand drugs $50.00 Copayment/ Retail
prescription drug $100.00 Copayment/Mail
coverage is available at Order.
Prime Therapeutics LLC Non-preferred brand drugs $75.00 Copayment/ Retail
(Prime) Service Center $150.00 Copayment/Mail
www.MyPrime.com Order.
or 1-800-370-5088.
* For more information about limitations and exceptions, see the plan or policy document at
www.HorizonBlue.com/members.
Out-of-Network Limitations, Exceptions, & Other
Provider(You will pay Important Information
the most)
Not Covered. Applies to selected PCP. Horizon
CareOnline telemedicine services is an
additional telemedicine feature provided
through Horizon BCBSNJ's telemedicine
vendor.
Not Covered. Applies to non-selected PCP. Horizon
CareOnline telemedicine services is an
additional telemedicine feature provided
through Horizon BCBSNJ's telemedicine
vendor.
Not Covered. One per calendar year. You may have to
pay for services that aren't preventive.
Ask your provider if the services needed
are preventive. Then check what your
plan will pay for.
Not Covered. Molecular and genomic testing are
subject to pre-service and post-service
medical necessity review.
Not Covered. Requires pre-approval.
$25.00 Copayment/ Retail Prior authorization may be required.
$50.00 Copayment/Mail Covers up to a 30 day supply per
Order. copayment, up to a 90 day supply
$50.00 Copayment/ Retail applying separate copayments (retail) and
$100.00 Copayment/Mail a 90 day supply (mail order).
Order.
$75.00 Copayment/ Retail
$150.00 Copayment/Mail
Order.
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 Common What You Will Pay
Medical Event Services You May Need Network Provider Out-of-Network Limitations, Exceptions, & Other
(You will pay the Provider(You will pay Important Information
least) the most)
View the formulary at Specialty drugs Covered at retail benefit in Covered at retail benefit in Prior authorization may be required.
https://www.myprime.c above applicable categories. above applicable categories. Covers up to a 30 day supply per
om/content/dam/prime copayment, up to a 90 day supply
/memberportal/forms/ applying separate copayments (retail) and
AuthorForms/HIM/202 a 90 day supply (mail order).
1/2021_NJ_3T_HealthI
nsuranceMarketplace.pdf
If you have Facility fee (e.g., ambulatory $200.00 Copayment per Not Covered. Procedures related to spine surgery are
outpatient surgery surgery center) visit for Ambulatory subject to pre-service and post-service
Surgical Center. $250.00 utilization management review.
Copayment per visit for
Outpatient Facility.
Physician/surgeon fees No Charge for Outpatient Not Covered.
Hospital, Ambulatory
Surgical Center.
If you need Emergency room care $100.00 Copayment per $100.00 Copayment per Copayment waived if admitted within 24
immediate medical visit for Outpatient visit for Outpatient hours. Out-of-network payment at the in-
attention Hospital. Hospital. network level of benefits applies only to
true medical emergencies and accidental
injuries.
Emergency medical No Charge. No Charge. Out-of-network payment at the in-
transportation network level of benefits applies only to
true medical emergencies and accidental
injuries.
Urgent care $75.00 Copayment. $75.00 Copayment. No coverage for non-urgent care.
If you have a Facility fee (e.g., hospital room) $500.00 Copayment per Not Covered. Requires pre-approval. In-network
hospital stay day for Inpatient Hospital. separation period is limited to 90 days in-
network. $2,500.00 copayment
maximum per admission.
Physician/surgeon fees No Charge for Inpatient Not Covered. __________none__________
Hospital.

* For more information about limitations and exceptions, see the plan or policy document at 3 of 8
www.HorizonBlue.com/members.
 Common
Medical Event Services You May Need
If you need mental Outpatient services
health, behavioral
health, or substance Inpatient services
abuse services
If you are pregnant Office visits
Childbirth/delivery professional No Charge for Inpatient Not Covered.
services
Childbirth/delivery facility
services
If you need help Home health care
recovering or have
other special health
needs
Rehabilitation services
Habilitation services
Skilled nursing care
Durable medical equipment
Hospice services
If your child needs Children’s eye exam
dental or eye care.
What You Will Pay
Network Provider Out-of-Network Limitations, Exceptions, & Other
(You will pay the Provider(You will pay Important Information
least) the most)
$25.00 Copayment per visit Not Covered. __________none__________
for Outpatient Hospital.
$500.00 Copayment per Not Covered. Requires pre-approval. In-network
day for Inpatient Hospital. separation period is limited to 90 days in-
network. $2,500.00 copayment
maximum per admission.
$25.00 Copayment per visit Not Covered. Cost sharing does not apply for
for Office. $45.00 preventive services. Maternity care may
Copayment per visit for include tests and services described
Specialist. elsewhere in the SBC (i.e. Ultrasound.)
__________none__________
Hospital.
$500.00 Copayment per Not Covered. In-network separation period is limited to
day for Inpatient Hospital. 90 days in-network. $2,500.00
copayment maximum per admission.
25.00 Copayment per visit Not Covered. Requires pre-approval. Private-duty
Outpatient Facility. nursing is only covered under the Home
health care benefit when required by a
Home health care plan. Coverage is
limited to 60 visits per calendar year.
$500.00 Copayment per Not Covered. Requires pre-approval. In-network
day for Inpatient Hospital. separation period is limited to 90 days in-
$500.00 Copayment per Not Covered. network. $2,500.00 copayment
day for Inpatient Hospital. maximum per admission.
No charge for Inpatient Not Covered. Requires pre-approval.
Facility.
50% Coinsurance. Not Covered.
No charge for Inpatient Not Covered.
Facility.
No Charge. Not Covered. This benefit is administered by Davis
Vision. In-network routine vision exam
child visit limit is 1 visit.

* For more information about limitations and exceptions, see the plan or policy document at 4 of 8
www.HorizonBlue.com/members.
 Common
Medical Event Services You May Need
Children’s glasses
Children’s dental check-up
What You Will Pay
Network Provider Out-of-Network Limitations, Exceptions, & Other
(You will pay the Provider(You will pay Important Information
least) the most)
Amounts greater than Not Covered. This benefit is administered by Davis
$150.00 for non-collection Vision. Lenses and Hardware are covered
frames. once every 12 months. Limit includes 1
pair of frames from the select Davis
Vision collection or $150.00 allowance
for non-collection frames.
Not Covered. Not Covered. __________none__________

Excluded Services & Other Covered Services:

Services Your Plan Generally Does NOT Cover (Check your policy or plan document for more information and a list of any other excluded
services.)

• Cosmetic surgery • Most coverage provided outside the • Routine eye care (Adult,
United States. Optometrist/Ophthalmologist office. For
• Dental care (Adult) verification of coverage on routine vision
• Non-emergency care when traveling services, please see your policy or plan
• Hearing aids (Only covered for Members outside the U.S.
age 15 and younger) document.)
• Private-duty nursing • Routine foot care
• Long-term care
• Weight loss programs

Other Covered Services (Limitations may apply to these services. This isn’t a complete list. Please see your plan document.)

• Acupuncture when used as a substitute for • Infertility treatment (limited to artificial

• Chiropractic care
other forms of anesthesia insemination; requires pre-approval)
• Bariatric surgery

* For more information about limitations and exceptions, see the plan or policy document at 5 of 8
www.HorizonBlue.com/members.
Your Rights to Continue Coverage:

There are agencies that can help if you want to continue your coverage after it ends. The contact information for those agencies is: Department of
Labor's Employee Benefits Security Administration at 1-866-444-EBSA (3272) or www.dol.gov/ebsa/healthreform. Other coverage options may be
available to you, too, including buying individual insurance coverage through the Health Insurance Marketplace. For more information about the
Marketplace, visit www.getcovered.nj.gov or call 1-877-962-8448.

Your Grievance and Appeals Rights:

There are agencies that can help if you have a complaint against your plan for a denial of a claim. This complaint is called a grievance or appeal. For more
information about your rights, look at the explanation of benefits you will receive for that medical claim. Your plan documents also provide complete
information to submit a claim, appeal, or a grievance for any reason to your plan. For more information about your rights, this notice, or assistance,
contact: 1-800-355-BLUE (2583) or visit www.Horizonblue.com. You may also contact the Department of Labor’s Employee Benefits Security
Administration at 1-866-444-EBSA (3272) or www.dol.gov/ebsa/healthreform. You may also contact the NJ Department of Banking and Insurance
Consumer Protection Services at 1-888-393-1062 ext 50998.

Does this plan provide Minimum Essential Coverage? Yes

Minimum Essential Coverage generally includes plans, health insurance available through the Marketplace or other individual market policies, Medicare,
Medicaid, CHIP, TRICARE, and certain other coverage. If you are eligible for certain types of Minimum Essential Coverage, you may not be eligible
for the premium tax credit.

Does this plan meet the Minimum Value Standards? Yes

If your plan doesn’t meet the Minimum Value Standards, you may be eligible for a premium tax credit to help you pay for a plan through the
Marketplace.

-----------------------------------------To see examples of how this plan might cover costs for a sample medical situation, see the next section.---------------------------------------------

* For more information about limitations and exceptions, see the plan or policy document at 6 of 8
www.HorizonBlue.com/members.
About these Coverage Examples:

This is not a cost estimator. Treatments shown are just examples of how this plan might cover medical care. Your actual costs will
be different depending on the actual care you receive, the prices your providers charge, and many other factors. Focus on the cost
sharing amounts (deductibles, copayments and coinsurance) and excluded services under the plan. Use this information to compare
the portion of costs you might pay under different health plans. Please note these coverage examples are based on self-only coverage.

Peg is Having a Baby Managing Joe’s type 2 Diabetes Mia’s Simple Fracture
(9 months of in-network pre-natal care (a year of routine in-network care of a (in-network emergency room visit and
and a hospital delivery) well-controlled condition) follow up care)
■ The plan’s overall deductible $0.00 ■ The plan’s overall deductible $0.00 ■ The plan’s overall deductible $0.00
■ Specialist Copayment $45.00 ■ Specialist Copayment $45.00 ■ Specialist Copayment $45.00
■ Hospital (facility) Copayment $500.00 ■ Hospital (facility) Copayment $500.00 ■ Hospital (facility) Copayment $500.00
■ Other Coinsurance 50% ■ Other Coinsurance 50% ■ Other Coinsurance 50%
This EXAMPLE event includes services like: This EXAMPLE event includes services like: This EXAMPLE event includes services like:
Specialist office visits (prenatal care) Primary care physician office visits (including Emergency room care (including medical supplies)
Childbirth/Delivery Professional Services disease education) Diagnostic test (x-ray)
Childbirth/Delivery Facility Services Diagnostic tests (blood work) Durable medical equipment (crutches)
Diagnostic tests (ultrasounds and blood work) Prescription drugs Rehabilitation services (physical therapy)
Specialist visit (anesthesia) Durable medical equipment (glucose meter)
Total Example Cost $12,700.00 Total Example Cost $5,600.00 Total Example Cost $2,800.00

In this example, Peg would pay: In this example, Joe would pay: In this example, Mia would pay:
Cost Sharing Cost Sharing Cost Sharing
Deductibles $0.00 Deductibles $0.00 Deductibles $0.00
Copayments $600.00 Copayments $1,500.00 Copayments $300.00
Coinsurance $0.00 Coinsurance $0.00 Coinsurance $100.00
What isn’t covered What isn’t covered What isn’t covered
Limits or exclusions $60.00 Limits or exclusions $20.00 Limits or exclusions $0.00
The total Peg would pay is $660.00 The total Joe would pay is $1,520.00 The total Mia would pay is $400.00

The plan would be responsible for the other costs of these EXAMPLE covered services.

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