Summary of Benefits and Coverage: What this Plan Covers & What You Pay For Covered Services Mid-America Apartments, L.P.: Choice Fund Open Access Plus HSA Coverage for: Individual/Individual + Family | Plan Type: OAP 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. For more information about your coverage, or to get a copy of the complete terms of coverage, go online at www.cigna.com/sp. 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 https://www.healthcare.gov/sbc-glossary or call 1-800-Cigna24 to request a copy. Important Questions Answers Why This Matters: Coverage Period: 01/01/2023 - 12/31/2023
For in-network providers: $2,000/individual - employee only or $4,000/family maximum For out-of-network providers: $4,000/individual - employee only or $8,000/family maximum Combined medical/behavioral and pharmacy deductible Deductible per individual applies when the employee is the only individual covered under the plan. Amount your employer contributes to your account: Up to $100/individual or $300/family
Generally, you must pay all of the costs from providers up to the deductible amount before this plan begins to pay. If you have other family members on the policy, the overall family deductible must be met before the plan begins to pay.
What is the overall deductible?
This plan covers some items and services even if you haven’t yet met the deductible amount. But a copayment or coinsurance may apply. For example, this plan covers 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/. You don't have to meet deductibles for specific services. The out-of-pocket limit is the most you could pay in a year for covered services. If you have other family members in this plan, they have to meet their own out-of-pocket limits until the overall family out-of-pocket limit has been met.
Are there services covered before you meet your deductible?
Yes. In-network preventive care & immunizations, in-network generic and preferred brand preventive drugs.
Are there other deductibles for specific services?
No.
For in-network providers: $5,000/individual - employee only or $10,000/family maximum (no more than $7,500 per individual - within a family) For out-of-network providers: $10,000/individual - employee only or $20,000/family maximum (no more than $15,000 per individual - within a family) Combined medical/behavioral and pharmacy out-of-pocket limit Penalties for failure to obtain pre-authorization for services, certain drug coupon amounts, premiums, balance-billing charges, and health care this plan doesn’t cover.
What is the out-of-pocket limit for this plan?
What is not included in the out-of-pocket limit?
Even though you pay these expenses, they don't count toward the out-of-pocket limit.
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Important Questions
Answers
Why This Matters:
This plan uses a provider network. You will pay less if you use a provider in the plan’s network. You will pay the most if you use an out-of-network provider, and you might receive a bill from a provider for the difference between the provider’s 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. You can see the specialist you choose without a referral.
Will you pay less if you use a network provider?
Yes. See www.cigna.com or call 1-800-Cigna24 for a list of network providers.
Do you need a referral to see a specialist?
No.
All copayment and coinsurance costs shown in this chart are after your deductible has been met, if a deductible applies. What You Will Pay Common Medical Event Services You May Need In-Network Provider (You will pay the least) Out-of-Network Provider (You will pay the most)
Limitations, Exceptions, & Other Important Information
Primary care visit to treat an injury or illness
20% coinsurance/visit 20% coinsurance/MDLIVE visit 20% coinsurance/visit 20% coinsurance/MDLIVE visit No charge/visit** No charge/screening** No charge/immunizations**
50% coinsurance
None
Specialist visit
50% coinsurance Not covered/visit
None None None None
If you visit a health care provider's office or clinic
Not covered/screening Not covered/immunizations
Preventive care/ screening/ immunization
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.
**Deductible does not apply
Diagnostic test (x-ray, blood work) Imaging (CT/PET scans, MRIs)
20% coinsurance
50% coinsurance
None
If you have a test
20% coinsurance
50% coinsurance
None
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What You Will Pay
Common Medical Event
Limitations, Exceptions, & Other Important Information Coverage is limited up to a 90-day supply (retail and home delivery); up to a 30-day supply (retail and home delivery) for Specialty drugs. Certain limitations may apply, including, for example: prior authorization, step therapy, quantity limits. In-network Federally required preventive drugs will be provided at no charge.
Services You May Need
In-Network Provider (You will pay the least) 20% coinsurance/prescription (retail 30 days), 20% coinsurance/prescription (retail & home delivery 90 days) 20% coinsurance/prescription (retail 30 days), 20% coinsurance/prescription (retail & home delivery 90 days) 20% coinsurance/prescription (retail 30 days), 20% coinsurance/prescription (retail & home delivery 90 days)
Out-of-Network Provider (You will pay the most) 50% coinsurance/prescription (retail); Not covered (home delivery) 50% coinsurance/prescription (retail); Not covered (home delivery) 50% coinsurance/prescription (retail); Not covered (home delivery)
Generic drugs (Tier 1)
If you need drugs to treat your illness or condition More information about prescription drug coverage is available at www.cigna.com
Preferred brand drugs (Tier 2)
Non-preferred brand drugs (Tier 3) Facility fee (e.g., ambulatory surgery center) Physician/surgeon fees
20% coinsurance 20% coinsurance
50% coinsurance 50% coinsurance
None None
If you have outpatient surgery
Out-of-network services are paid at the in-network cost share and deductible. Out-of-network air ambulance services are paid at the in-network cost share and deductible.
Emergency room care
20% coinsurance
20% coinsurance
If you need immediate medical attention
Emergency medical transportation
20% coinsurance
20% coinsurance
Urgent care
20% coinsurance 20% coinsurance 20% coinsurance
20% coinsurance 50% coinsurance 50% coinsurance
None None None
Facility fee (e.g., hospital room) Physician/surgeon fees
If you have a hospital stay
20% coinsurance/office visit 20% coinsurance/MDLIVE visit 20% coinsurance/all other services
50% coinsurance/office visit 50% coinsurance/all other services
If you need mental health, behavioral health, or substance abuse services
Outpatient services
None
Inpatient services
20% coinsurance 20% coinsurance
50% coinsurance 50% coinsurance
None
Office visits
Primary Care or Specialist benefit levels apply for initial visit to confirm
If you are pregnant
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What You Will Pay
Common Medical Event
Limitations, Exceptions, & Other Important Information pregnancy. Cost sharing does not apply for preventive services. Depending on the type of services, a copayment, coinsurance or deductible may apply. Maternity care may include tests and services described elsewhere in the SBC (i.e. ultrasound). Coverage is limited to 120 days annual max. 16 hour maximum per day (The limit is not applicable to mental health and substance use disorder conditions.) Coverage is limited to annual max of: 90 days for Rehabilitation services; 36 days for Cardiac rehab services; 20 days for Chiropractic care services Limits are not applicable to mental health conditions for Physical, Speech and Occupational therapies. Services are covered when Medically Necessary to treat a mental health condition (e.g. autism) or a congenital abnormality. Limits are not applicable to mental health conditions for Physical, Speech and Occupational therapies. Coverage is limited to 90 days annual max.
Services You May Need
In-Network Provider (You will pay the least)
Out-of-Network Provider (You will pay the most)
Childbirth/delivery professional services
20% coinsurance
50% coinsurance
Childbirth/delivery facility services
20% coinsurance
50% coinsurance
Home health care
20% coinsurance
50% coinsurance
Rehabilitation services
20% coinsurance/visit
50% coinsurance/visit
If you need help recovering or have other special health needs
Habilitation services
20% coinsurance/visit
50% coinsurance/visit
Skilled nursing care
20% coinsurance
50% coinsurance 50% coinsurance
Durable medical equipment 20% coinsurance
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What You Will Pay
Common Medical Event
Limitations, Exceptions, & Other Important Information
Services You May Need
In-Network Provider (You will pay the least) 20% coinsurance/inpatient services 20% coinsurance/outpatient services
Out-of-Network Provider (You will pay the most) 50% coinsurance/inpatient services 50% coinsurance/outpatient services
Hospice services
None
Children's eye exam Children's glasses
Not covered Not covered
Not covered Not covered Not covered
None None None
If your child needs dental or eye care
Children's dental check-up Not covered
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.) Acupuncture
Eye care (Children) Long-term care Non-emergency care when traveling outside the U.S. Private-duty nursing
Routine eye care (Adult) Routine foot care Weight loss programs
Cosmetic surgery Dental care (Adult) Dental care (Children)
Other Covered Services (Limitations may apply to these services. This isn’t a complete list. Please see your plan document.) Bariatric Surgery (in-network only Surgeon Charges Lifetime max $20,000) Chiropractic care (20 days) Hearing aids ($1,000 maximum per Lifetime) Infertility treatment
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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.HealthCare.gov or call 1-800-318- 2596. Your Grievance and Appeals Rights: There are agencies that can help if you have a complaint against your plan for a denial of a claim. This complaint is called a grievance or appeal. For 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 on how 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: Cigna Customer service at 1-800- Cigna24. 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. Additionally, a consumer assistance program can help you file your appeal. Contact: Tennessee Department of Commerce & Insurance at (615) 741-2218. 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. Language Access Services: Spanish (Español): Para obtener asistencia en Español, llame al 1-800-244-6224. Tagalog (Tagalog): Kung kailangan ninyo ang tulong sa Tagalog tumawag sa 1-800-244-6224.
Chinese ( 中文 ): 如果需要中文的帮助，请拨打这个号码 1-800-244-6224. Navajo (Dine): Dinek'ehgo shika at'ohwol ninisingo, kwiijigo holne' 1-800-244-6224.
To see examples of how this plan might cover costs for a sample medical situation, see the next section.
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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 (9 months of in-network pre-natal care and a hospital delivery) Managing Joe's Type 2 Diabetes (a year of routine in-network care of a well- controlled condition) Mia's Simple Fracture (in-network emergency room visit and follow up care)
■ The plan's overall deductible ■ Specialist coinsurance ■ Hospital (facility) coinsurance
$2,000
■ The plan's overall deductible ■ Specialist coinsurance ■ Hospital (facility) coinsurance
$2,000
■ The plan's overall deductible ■ Specialist coinsurance ■ Hospital (facility) coinsurance
$2,000
20% 20% 20%
20% 20% 20%
20% 20% 20%
■ Other coinsurance
■ Other coinsurance
■ Other coinsurance
This EXAMPLE event includes services like: Specialist office visits (prenatal care) Childbirth/Delivery Professional Services Childbirth/Delivery Facility Services Diagnostic tests (ultrasounds and blood work) Specialist visit (anesthesia)
This EXAMPLE event includes services like: Primary care physician office visits (including disease education) Diagnostic tests (blood work) Prescription drugs Durable medical equipment (glucose meter)
This EXAMPLE event includes services like: Emergency room care (including medical supplies) Diagnostic test (x-ray) Durable medical equipment (crutches) Rehabilitation services (physical therapy)
Total Example Cost
$12,700
Total Example Cost
$5,600
Total Example Cost
$2,800
In this example, Peg would pay: Cost Sharing Deductibles
In this example, Joe would pay: Cost Sharing Deductibles
In this example, Mia would pay: Cost Sharing Deductibles
$2,000
$2,000
$2,000
Copayments Coinsurance
$0
Copayments Coinsurance
$0
Copayments Coinsurance
$0
$2,100
$700
$200
What isn't covered
What isn't covered
What isn't covered
Limits or exclusions
$20
Limits or exclusions
$20
Limits or exclusions
$0
The total Peg would pay is
The total Joe would pay is
The total Mia would pay is
$4,120
$2,720
$2,200
The plan would be responsible for the other costs of these EXAMPLE covered services.
Plan Name: HSA Ben Ver: 26 Plan ID: 15691735
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Medical coverage DISCRIMINATION IS AGAINST THE LAW
a grievance by sending an email to ACAGrievance@Cigna.com or by writing to the following address: Cigna Nondiscrimination Complaint Coordinator PO Box 188016 Chattanooga, TN 37422 If you need assistance filing a written grievance, please call the number on the back of your ID card or send an email to ACAGrievance@Cigna.com. You can also file a civil rights complaint with the U.S. Department of Health and Human Services, Office for Civil Rights electronically through the Office for Civil Rights Complaint Portal, available at https://ocrportal.hhs.gov/ocr/portal/lobby.jsf, or by mail or phone at: U.S. Department of Health and Human Services 200 Independence Avenue, SW Room 509F, HHH Building Washington, DC 20201 1.800.368.1019, 800.537.7697 (TDD) Complaint forms are available at http://www.hhs.gov/ocr/office/file/index.html.
Cigna complies with applicable Federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability, or sex. Cigna does not exclude people or treat them differently because of race, color, national origin, age, disability, or sex. Cigna: • Provides free aids and services to people with disabilities to communicate effectively with us, such as: – Qualified sign language interpreters – Written information in other formats (large print, audio, accessible electronic formats, other formats) • Provides free language services to people whose primary language is not English, such as: – Qualified interpreters – Information written in other languages If you need these services, contact customer service at the toll-free number shown on your ID card, and ask a Customer Service Associate for assistance. If you believe that Cigna has failed to provide theseservices or discriminated in another way on the basis of race, color, national origin, age, disability, or sex, you can file
All Cigna products and services are provided exclusively by or through operating subsidiaries of Cigna Corporation, including Cigna Health and Life Insurance Company, Connecticut General Life Insurance Company, Evernorth Care Solutions, Inc., Evernorth Behavioral Health, Inc., Cigna Health Management, Inc., and HMO or service company subsidiaries of Cigna Health Corporation and Cigna Dental Health, Inc. The Cigna name, logos, and other Cigna marks are owned by Cigna Intellectual Property, Inc. ATTENTION: If you speak languages other than English, language assistance services, free of charge are available to you. For current Cigna customers, call the number on the back of your ID card. Otherwise, call 1.800.244.6224 (TTY: Dial 711). ATENCIÓN: Si usted habla un idioma que no sea inglés, tiene a su disposición servicios gratuitos de asistencia lingüística. Si es un cliente actual de Cigna, llame al número que figura en el reverso de su tarjeta de identificación. Si no lo es, llame al 1.800.244.6224 (los usuarios de TTY deben llamar al 711). 896375b 05/21 © 2021 Cigna.
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