Highmark Delaware: Gold – Blue Cross Shield Health Savings 1800,
a Multi-State Plan (Zero Cost Sharing)
Summary of Benefits and Coverage: What this Plan Covers & What it Costs
Coverage Period: 01/01/2014 - 12/31/2014
Coverage for: Individual/Family | Plan Type: EPO HSA
This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan
document at www.highmarkbcbsde.com or by calling 1-888-601-2242.
Important Questions
Answers
Why this Matters:
What is the overall
deductible?
Are there other deductibles
for specific services?
Is there an out–of–pocket
limit on my expenses?
What is not included in the
out–of–pocket limit?
Is there an overall annual
limit on what the plan
pays?
Does this plan use a
network of providers?
$0.
See the chart starting on page 2 for your other costs for services this plan
covers.
You don't have to meet deductibles for specific services, but see the chart
starting on page 2 for other costs for services this plan covers.
There's no limit on how much you could pay during a coverage period for
your share of the covered services.
Not applicable because there's no out-of-pocket limit on your expenses.
Do I need a referral to see
a specialist?
Are there services this plan
doesn’t cover?
No.
No.
No.
This plan has no out-of-pocket
limit.
No.
Yes. For a list of network
providers, see
www.highmarkbcbsde.com or call
1-888-601-2242.
Yes.
The chart starting on page 2 describes any limits on what the plan will pay
for specific covered services, such as office visits.
If you use a network doctor or other health care provider, this plan will pay
some or all of the costs of covered services. Be aware, your network doctor
or hospital may use an out-of-network provider for some services. Plans use
the term network, preferred, or participating for providers in their
network. See the chart starting on page 2 for how this plan pays different
kinds of providers.
You can see the specialist you choose without permission from this plan.
Some of the services this plan doesn’t cover are listed in the Excluded
Services & Other Covered Services section. See your policy or plan
document for additional information about excluded services.
Questions: Call 1-888-601-2242 or visit us at www.highmarkbcbsde.com.
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If you aren’t clear about any of the underlined terms used in this form, see the Glossary. You can view the Glossary
at www.dol.gov/ebsa/healthreform and www.cciio.cms.gov or call 1-888-601-2242 to request a copy.
DE HMK BCBSHealthSavingsEPO 1800 OPM ONX Zero
I_1898195065_20140101_SBC
Highmark Delaware: Gold – Blue Cross Shield Health Savings 1800, a
Multi-State Plan (Zero Cost Sharing)
Summary of Benefits and Coverage: What this Plan Covers & What it Costs




Coverage Period: 01/01/2014 - 12/31/2014
Coverage for: Individual/Family | Plan Type: EPO HSA
Copayments are fixed dollar amounts (for example, $15) you pay for covered health care, usually when you receive the service.
Coinsurance is your share of the costs of a covered service, calculated as a percent of the allowed amount for the service. For
example, if the plan’s allowed amount for an overnight hospital stay is $1,000, your coinsurance payment of 20% would be $200.
This may change if you haven’t met your deductible.
The amount the plan pays for covered services is based on the allowed amount. If an out-of-network provider charges more than the
allowed amount, you may have to pay the difference. For example, if an out-of-network hospital charges $1,500 for an overnight stay
and the allowed amount is $1,000, you may have to pay the $500 difference. (This is called balance billing.)
This plan may encourage you to use network providers by charging you lower deductibles, copayments and coinsurance amounts.
Common
Medical Event
If you visit a
health care
provider’s office
or clinic
If you have a test
Services You May Need
Your Cost if You
Use a Network
Provider
Primary care visit to treat an injury or
illness
Specialist visit
Other practitioner office visit
No charge
Your Cost if You
Use an Out-ofNetwork
Provider
Not covered
Limitations & Exceptions
No charge
No charge for
chiropractor
Not covered
No coverage for
chiropractor
−−−−−−−−−−−none−−−−−−−−−−−
Network limit: 30 visits per benefit
period.
Preventive care
Screening
Immunization
Diagnostic test (x-ray, blood work)
Imaging (CT/PET scans, MRIs)
No charge for
preventive care
services
No charge
No charge
No coverage for
preventive care
services
Not Covered
Not Covered
Please refer to your preventive
schedule for additional information.
−−−−−−−−−−−none−−−−−−−−−−−
−−−−−−−−−−−none−−−−−−−−−−−
Precertification may be required.
Questions: Call 1-888-601-2242 or visit us at www.highmarkbcbsde.com.
If you aren’t clear about any of the underlined terms used in this form, see the Glossary. You can view the Glossary
at www.dol.gov/ebsa/healthreform and www.cciio.cms.gov or call 1-888-601-2242 to request a copy.
2 of 10
I_1898195065_20140101_SBC
Highmark Delaware: Gold – Blue Cross Shield Health Savings 1800, a
Multi-State Plan (Zero Cost Sharing)
Summary of Benefits and Coverage: What this Plan Covers & What it Costs
Common
Medical Event
If you need drugs
to treat your
illness or
condition
Services You May Need
Generic drugs
More information Brand drugs
about prescription
drug coverage is
available at
www.highmarkbcb
sde.com.
Your Cost if You
Use a Network
Provider
No charge
(retail)
No charge
(mail order)
No charge
(retail)
No charge
(mail order)
Coverage Period: 01/01/2014 - 12/31/2014
Coverage for: Individual/Family | Plan Type: EPO HSA
Your Cost if You
Use an Out-ofNetwork
Provider
Not covered
Not covered
Limitations & Exceptions
Up to 34-day supply retail
pharmacy.
Up to 90-day supply maintenance
prescription drugs through mail
order.
Certain participating retail pharmacy
providers may have agreed to make
Maintenance Prescription Drugs
available at the same cost-sharing
and quantity limits as the mail
service coverage.
Questions: Call 1-888-601-2242 or visit us at www.highmarkbcbsde.com.
If you aren’t clear about any of the underlined terms used in this form, see the Glossary. You can view the Glossary
at www.dol.gov/ebsa/healthreform and www.cciio.cms.gov or call 1-888-601-2242 to request a copy.
3 of 10
I_1898195065_20140101_SBC
Highmark Delaware: Gold – Blue Cross Shield Health Savings 1800, a
Multi-State Plan (Zero Cost Sharing)
Summary of Benefits and Coverage: What this Plan Covers & What it Costs
Common
Medical Event
Services You May Need
Specialty Drugs
If you have
outpatient
surgery
If you need
immediate
medical attention
If you have a
hospital stay
Facility fee (e.g., ambulatory surgery
center)
Physician/surgeon fees
Emergency room services
Emergency medical transportation
Urgent care
Facility fee (e.g., hospital room)
Physician/surgeon fee
Your Cost if You
Use a Network
Provider
Depending on the
place of service,
covered the same
as PCP or
specialist office
visit, outpatient
hospital, or suite
infusion center.
Coverage depends
on the specific
drug, how and
where it is
provided, and how
it is billed.
No charge
No charge
No charge
No charge
No charge
No charge
No charge
Coverage Period: 01/01/2014 - 12/31/2014
Coverage for: Individual/Family | Plan Type: EPO HSA
Your Cost if You
Use an Out-ofNetwork
Provider
Not covered
Limitations & Exceptions
Certain drugs may require prior
authorization.
Not covered
Precertification may be required.
Not covered
No charge
No charge
Not covered
Not covered
Not covered
Precertification may be required.
−−−−−−−−−−−none−−−−−−−−−−−
−−−−−−−−−−−none−−−−−−−−−−−
−−−−−−−−−−−none−−−−−−−−−−−
Precertification may be required.
Precertification may be required.
Questions: Call 1-888-601-2242 or visit us at www.highmarkbcbsde.com.
If you aren’t clear about any of the underlined terms used in this form, see the Glossary. You can view the Glossary
at www.dol.gov/ebsa/healthreform and www.cciio.cms.gov or call 1-888-601-2242 to request a copy.
4 of 10
I_1898195065_20140101_SBC
Highmark Delaware: Gold – Blue Cross Shield Health Savings 1800, a
Multi-State Plan (Zero Cost Sharing)
Summary of Benefits and Coverage: What this Plan Covers & What it Costs
Common
Medical Event
Services You May Need
If you have
mental health,
behavioral health,
or substance
abuse needs
Mental/Behavioral health outpatient
services
Mental/Behavioral health inpatient services
If you are
pregnant
Your Cost if You
Use a Network
Provider
Coverage Period: 01/01/2014 - 12/31/2014
Coverage for: Individual/Family | Plan Type: EPO HSA
No charge
Your Cost if You
Use an Out-ofNetwork
Provider
Not covered
Limitations & Exceptions
−−−−−−−−−−−none−−−−−−−−−−−
No charge
Not covered
Precertification may be required.
Substance use disorder outpatient services
Substance use disorder inpatient services
No charge
No charge
Not covered
Not covered
−−−−−−−−−−−none−−−−−−−−−−−
Precertification may be required.
Prenatal and postnatal care
No charge
Not covered
Delivery and all inpatient services
No charge
Not covered
Network: The first visit to determine
pregnancy is covered at no charge.
Please refer to the Women’s Health
Preventive Schedule for additional
information.
−−−−−−−−−−−none−−−−−−−−−−−
Questions: Call 1-888-601-2242 or visit us at www.highmarkbcbsde.com.
If you aren’t clear about any of the underlined terms used in this form, see the Glossary. You can view the Glossary
at www.dol.gov/ebsa/healthreform and www.cciio.cms.gov or call 1-888-601-2242 to request a copy.
5 of 10
I_1898195065_20140101_SBC
Highmark Delaware: Gold – Blue Cross Shield Health Savings 1800, a
Multi-State Plan (Zero Cost Sharing)
Summary of Benefits and Coverage: What this Plan Covers & What it Costs
Common
Medical Event
Services You May Need
Coverage for: Individual/Family | Plan Type: EPO HSA
No charge
Your Cost if You
Use an Out-ofNetwork
Provider
Not covered
No charge
Not covered
Habilitation services
No charge
Not covered
Skilled nursing care
No charge
Not covered
Durable medical equipment
Hospice service
No charge
No charge
Not covered
Not covered
Home health care
If you need help
recovering or
have other special
health needs
Rehabilitation services
Your Cost if You
Use a Network
Provider
Coverage Period: 01/01/2014 - 12/31/2014
Limitations & Exceptions
Network: 100 visits per benefit
period. Precertification may be
required.
Coverage is limited to 30 visits per
benefit period for Physical and
Occupational Therapy; 30 visits per
benefit period for Speech Therapy.
Precertification may be required.
Coverage is limited to 30 visits per
benefit period for Physical and
Occupational Therapy; 30 visits per
benefit period for Speech Therapy.
Behavioral Analysis limited to
$36,000 per person per
benefit period to age 21.
Precertification may be required.
Network: 120 days per benefit
period. Precertification may be
required.
Precertification may be required.
Precertification may be required.
Questions: Call 1-888-601-2242 or visit us at www.highmarkbcbsde.com.
If you aren’t clear about any of the underlined terms used in this form, see the Glossary. You can view the Glossary
at www.dol.gov/ebsa/healthreform and www.cciio.cms.gov or call 1-888-601-2242 to request a copy.
6 of 10
I_1898195065_20140101_SBC
Highmark Delaware: Gold – Blue Cross Shield Health Savings 1800, a
Multi-State Plan (Zero Cost Sharing)
Summary of Benefits and Coverage: What this Plan Covers & What it Costs
Common
Medical Event
If your child
needs dental or
eye care
Services You May Need
Your Cost if You
Use a Network
Provider
Coverage Period: 01/01/2014 - 12/31/2014
Coverage for: Individual/Family | Plan Type: EPO HSA
Eye exam
No charge
Your Cost if You
Use an Out-ofNetwork
Provider
Not covered
Glasses
No charge
Not covered
Dental check-up
No charge
Not covered
Limitations & Exceptions
One routine eye exam every 12
months for members under age 19.
One pair of frames/lenses or contacts
every 12 months for members under
19 years of age.
Two examinations every 12 months.
Excluded Services & Other Covered Services:
Services Your Plan Does NOT Cover (This isn’t a complete list. Check your policy or plan document for other excluded services.)

Acupuncture

Dental care (Adult)

Routine foot care

Care by Family Members

Experimental/Investigational Care

Weight loss programs

Care in Residential Facilities

Glasses

Worker's Compensation Claims


Cosmetic surgery
Custodial Care/Rest Homes

Infertility treatment

Long-term care
Other Covered Services (This isn’t a complete list. Check your policy or plan document for other covered services and your costs for these
services.)

Bariatric surgery

Chiropractic care

Hearing aids

Private-duty nursing

Non-emergency care when traveling
outside the U.S.

Routine eye care (Adult)
Questions: Call 1-888-601-2242 or visit us at www.highmarkbcbsde.com.
If you aren’t clear about any of the underlined terms used in this form, see the Glossary. You can view the Glossary
at www.dol.gov/ebsa/healthreform and www.cciio.cms.gov or call 1-888-601-2242 to request a copy.
7 of 10
I_1898195065_20140101_SBC
Highmark Delaware: Gold – Blue Cross Shield Health Savings 1800, a
Multi-State Plan (Zero Cost Sharing)
Summary of Benefits and Coverage: What this Plan Covers & What it Costs
Coverage Period: 01/01/2014 - 12/31/2014
Coverage for: Individual/Family | Plan Type: EPO HSA
Your Rights to Continue Coverage:
Federal and State laws may provide protections that allow you to keep this health insurance coverage as long as you pay your premium.
There are exceptions, however, such as if:
 You commit fraud
 The insurer stops offering services in the State
 You move outside the coverage area
For more information on your rights to continue coverage, contact the insurer at 1-888-601-2242. You may also contact your state insurance
department at The Delaware Department of Insurance /Consumer Assistance Program at 302.674.7300 (local) or 800.282.8611 (toll
free).
Your Grievance and Appeals Rights:
If you have a complaint or are dissatisfied with a denial of coverage for claims under your plan, you may be able to appeal or file a grievance. For
questions about your rights, this notice, or assistance, you can contact:
 Highmark Blue Cross Blue Shield Delaware: 1-888-601-2242, or www.highmarkbcbsde.com.
 The Delaware Department of Insurance /Consumer Assistance Program: 841 Silver Lake Blvd, Dover, DE 19904, or 302.674.7300(local),
800.282.8611(toll free), or [email protected].
 Additionally, the Delaware Department of Insurance/Consumer Assistance Program can help you file your appeal.
Does this Coverage Provide Minimum Essential Coverage?
The Affordable Care Act requires most people to have health care coverage that qualifies as "minimum essential coverage." This plan or policy does
provide minimum essential coverage.
To obtain language assistance, call 1-888-601-2242.
 Spanish (Español): Para obtener asistencia en Español, llame al 1-888-601-2242.
 Tagalog (Tagalog): Kung kailangan ninyo ang tulong sa Tagalog tumawag sa 1-888-601-2242.


Chinese (中文): 如果需要中文的帮助，请拨打这个号码 1-888-601-2242.
Navajo (Dine): Dinek'ehgo shika at'ohwol ninisingo, kwiijigo holne' 1-888-601-2242.
–––––––––––––––––To see examples of how this plan might cover costs for a sample medical situation, see the next page.––––––––––––––––––––––
Questions: Call 1-888-601-2242 or visit us at www.highmarkbcbsde.com.
If you aren’t clear about any of the underlined terms used in this form, see the Glossary. You can view the Glossary
at www.dol.gov/ebsa/healthreform and www.cciio.cms.gov or call 1-888-601-2242 to request a copy.
8 of 10
I_1898195065_20140101_SBC
Highmark Delaware: Gold – Blue Cross Shield Health Savings 1800,
a Multi-State Plan (Zero Cost Sharing)
Coverage for: Individual/Family | Plan Type: EPO HSA
Coverage Examples
About these Coverage Examples:
These examples show how this plan might
cover medical care in given situations. Use
these examples to see, in general, how much
financial protection a sample patient might get
if they are covered under different plans.
This is
not a cost
estimator.
Don’t use these examples to
estimate your actual costs
under this plan. The actual
care you receive will be
different from these
examples, and the cost of
that care will also be
different.
See the next page for
important information about
these examples.
Coverage Period: 01/01/2014 - 12/31/2014
Having a baby
Managing type 2 diabetes
(normal delivery)
(routine maintenance of
a well-controlled condition)
 Amount owed to providers: $7,540
 Plan pays $7,540
 Patient pays $0
 Amount owed to providers: $5,400
 Plan pays $5,400
 Patient pays $0
Sample care costs:
Hospital charges (mother)
Routine obstetric care
Hospital charges (baby)
Anesthesia
Laboratory tests
Prescriptions
Radiology
Vaccines, other preventive
Total
Sample care costs:
Prescriptions
Medical Equipment and Supplies
Office Visits and Procedures
Education
Laboratory tests
Vaccines, other preventive
Total
Patient pays:
Deductibles
Copays
Coinsurance
Limits or exclusions
Total
$2,700
$2,100
$900
$900
$500
$200
$200
$40
$7,540
$0
$0
$0
$0
$0
Patient pays:
Deductibles
Copays
Coinsurance
Limits or exclusions
Total
$2,900
$1,300
$700
$300
$100
$100
$5,400
$0
$0
$0
$0
$0
You should also consider contributions to accounts such as health savings accounts
(HSAs), flexible spending arrangements (FSAs) or health reimbursement accounts
(HRAs) that help you pay out-of-pocket expenses.
Questions: Call 1-888-601-2242 or visit us at www.highmarkbcbsde.com.
If you aren’t clear about any of the underlined terms used in this form, see the Glossary. You can view the Glossary
at www.dol.gov/ebsa/healthreform and www.cciio.cms.gov or call 1-888-601-2242 to request a copy.
9 of 10
I_1898195065_20140101_SBC
Highmark Delaware: Gold – Blue Cross Shield Health Savings 1800,
a Multi-State Plan (Zero Cost Sharing)
Coverage Period: 01/01/2014 - 12/31/2014
Coverage for: Individual/Family | Plan Type: EPO HSA
Coverage Examples
Questions and answers about the Coverage Examples:
What are some of the assumptions
behind the Coverage Examples?







Costs don’t include premiums.
Sample care costs are based on national
averages supplied by the U.S. Department
of Health and Human Services, and aren’t
specific to a particular geographic area or
health plan.
The patient’s condition was not an excluded
or preexisting condition.
All services and treatments started and
ended in the same coverage period.
There are no other medical expenses for
any member covered under this plan.
Out-of-pocket expenses are based only on
treating the condition in the example.
The patient received all care from network
providers. If the patient had received care
from out-of-network providers, costs
would have been higher.
What does a Coverage Example show? Can I use Coverage Examples to
For each treatment situation, the Coverage
compare plans?
Example helps you see how deductibles,
Yes. When you look at the Summary of
copayments, and coinsurance can add up. It
also helps you see what expenses might be left
up to you to pay because the service or
treatment isn’t covered or payment is limited.
Does the Coverage Example predict
my own care needs?
 No. Treatments shown are just examples.
Benefits and Coverage for other plans, you’ll
find the same Coverage Examples. When
you compare plans, check the “Patient Pays”
box in each example. The smaller that
number, the more coverage the plan
provides.
Are there other costs I should consider
The care you would receive for this condition when comparing plans?
could be different based on your doctor’s
Yes. An important cost is the premium you
advice, your age, how serious your condition
is, and many other factors.
Does the Coverage Example predict
my future expenses?
No. Coverage Examples are not cost
estimators. You can’t use the examples to
estimate costs for an actual condition. They
are for comparative purposes only. Your own
costs will be different depending on the care
you receive, the prices your providers
charge, and the reimbursement your health
plan allows.
pay. Generally, the lower your premium,
the more you’ll pay in out-of-pocket costs,
such as copayments, deductibles, and
coinsurance. You should also consider
contributions to accounts such as health
savings accounts (HSAs), flexible spending
arrangements (FSAs) or health
reimbursement accounts (HRAs) that help
you pay out-of-pocket expenses.
Questions: Call 1-888-601-2242 or visit us at www.highmarkbcbsde.com.
If you aren’t clear about any of the underlined terms used in this form, see the Glossary. You can view the Glossary
at www.dol.gov/ebsa/healthreform and www.cciio.cms.gov or call 1-888-601-2242 to request a copy.
10 of 10
I_1898195065_20140101_SBC