2015 HealthSpanOne for Individuals and Families Enrollment ... · Health insurance is a lot like the insurance people have to protect their car or home. Some people get health insurance

2015

HealthSpanOne for Individuals and Families Enrollment Guide

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Have questions? Call us at 1-877-218-4188 • Go to HealthSpan.org/get-a-quote • Or contact your agent or broker.

HealthSpanOne for Individuals and Families

Welcome to your HealthSpanOne for Individuals and Families

Enrollment Guide. This guide will help you understand what

health care means for you and how to select the right health

plan for your needs.

Important deadline

Open enrollment ends February 15, 2015. See page 6 for details, and learn about special situations that may allow you to submit your application for health coverage after this date.

What’s insideUnderstanding health care

Why health care matters . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3

What health care reform means for you . . . . . . . . . . . . . . . . . .4

Do you qualify for financial assistance? . . . . . . . . . . . . . . . . . 5

When to enroll in your plan . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6

Simple steps to enroll . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7

Choosing the right plan for you . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8

Health plan types . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9

Comparing health plans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .11

Health plan benefit highlights . . . . . . . . . . . . . . . . . . . . . . . . . . . 12

Health plan rates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14

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This is a guide for enrollment in health insurance. Enclosed is a summary of rates and benefits. For complete details of coverage and an explanation of exclusions and limitations, please contact your broker or call one of our licensed insurance agents at 1-877-218-4188.

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Why health care mattersHealth care coverage makes it easier to get and stay healthy. It involves a health care team (doctors, nurses, specialists) providing care in facilities where you receive care, and the coverage you need to pay for that care. At HealthSpan, we oVer both in one convenient package.

Health careAlmost everyone gets sick or hurt, or needs some kind of medical help. To get better, you usually need care — like seeing a doctor, staying in a hospital, taking medication, or all of the above. Health care includes many important services, such as:

doctors’ o[ce visits

hospital stays

emergency room visits

X-rays

laboratory tests

prescription drugs

preventive care

• well-baby visits

• well-woman visits

• immunizations

• screenings

Health coverageHealth insurance is a lot like the insurance people have to protect their car or home. Some people get health insurance through their jobs, and some buy it themselves. Without insurance, high medical bills can wipe out savings and even lead to bankruptcy. Insurance helps protect you financially if you have a serious illness or injury that requires extensive care.

Each month, you pay a premium—your monthly rate - to your insurance company or health plan for your health care coverage. However, if you qualify for federal financial assistance, the federal government may help or even pay it for you. See page 5 to learn more.

When you need care (such as doctor visits, hospital care, and medications), your insurance company or health plan may help you pay for it.

How you benefitHere are some of the major advantages of having health care coverage:

Peace of mind. Life is unpredictable. You shouldn’t have to worry about how you’re going to pay for an unexpected illness, injury or pregnancy. With medical coverage, you rest easy knowing you’ll get the care you need.

Care when you need it. You can see a doctor when you’re sick or just need preventive care. No need to ignore symptoms or hope they’ll go away. You can get treated before things get worse.

Stay on a healthy path. Preventive care helps you catch minor symptoms before they become problems. Screenings, like mammograms and cholesterol level tests, can catch problems early — when they’re easier to treat.

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or already have enrolled in qualified pediatric dental coverage, as required by law.

Marketplaces are openYou can buy your HealthSpan plan directly from us, or you can visit the Health Insurance Marketplace in Ohio. The Marketplace is a federal market where you can shop, compare, and buy health care coverage.

The choice is yoursWhen shopping at the Marketplace for a HealthSpan plan, you’ll see three levels of coverage — Bronze, Silver, and Gold. You can choose the plan that best meets your needs.

All plans utilize the HealthSpan Select Network.

HealthSpan’s value is direct access to personalized care at an aVordable price.

HealthSpan partners with provider-owned networks that have doctors and nurses that work with you to coordinate your care and help keep little health problems from turning into big ones.

All plans will oVer the same essential health benefits (such as doctor visits, hospital care, prescriptions, and maternity care) and will include certain preventive services for no charge.

The main diVerence is how you pay for care. Our Bronze plans generally oVer lower premiums but higher out-of-pocket costs. Gold plans generally have higher premiums and lower out-of-pocket costs.

What health care reform means for youThe AVordable Care Act (ACA)—also known as health care reform—has resulted in many changes, many of which mean more peace of mind for you and your family.

If you have health coverage now, you’re probably already enjoying some of the benefits of health care reform, including more preventive care for no charge and being able to keep your children on your plan until they turn 28. If this is your first time shopping for health coverage, or you’re switching plans, you’ll be getting all of these benefits and more with your new ACA-compliant plan.

Everyone can enrollAnyone can get coverage. You can no longer be denied coverage because of a medical condition, and you don’t have to pass a medical exam to qualify for coverage.

Stay up-to-date with ACA requirementsAll of our plans can help you meet the requirement that most U.S. citizens and legal residents have a basic level of health coverage. In most cases, if you don’t buy coverage and go without it for three consecutive months or longer, you’ll be charged a tax penalty by the government.

Some people don’t have to buy insurance. For example, if your income is below a certain level or you have certain religious beliefs, you may not have to purchase insurance. In such cases, you may be able to file for an exemption at the Health Insurance Marketplace.

Pediatric dental coverageTo meet the requirements of the ACA, you must have pediatric dental coverage. You can enroll in pediatric dental coverage through one of our partner providers or a provider of your choice. On your application, you’ll need to confirm that you will enroll

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Federal financial assistance availableYou can now apply for federal assistance from the federal government to help pay for care and coverage under HealthSpan’s plans.

Help with premiums and out-of-pocket expenses (deductibles, copayments, coinsurance) will be available only if you buy your new ACA-compliant HealthSpan coverage through your Health Insurance Marketplace, the Health Insurance Marketplace in Ohio.

If you qualify, the federal government will pay HealthSpan any financial assistance on your behalf.

Assistance will be on a sliding scale, based on modified adjusted gross income and family size.

Are you eligible for assistance?There are a few ways to find out:

Use this chart to get an idea of whether you and your family may qualify:

What should you do next?Go to healthcare.gov for a determination of your total financial assistance eligibility for your premium and out-of-pocket expenses. You’ll also be able to enroll in an ACA-compliant HealthSpan plan through the Health Insurance Marketplace in Ohio if you qualify for assistance.

Please note that if you have the option of receiving health coverage through your employer, you may not be eligible for financial assistance.

What if you don’t qualify for assistance?You have two choices:

You can purchase your coverage directly from us—that’s easiest.

Or you can still purchase an ACA-compliant HealthSpan plan through the Health Insurance Marketplace in Ohio.

Either way, your plan will oVer the same benefits and services.

Have questions?We’ve got answers. We’ll help you decide which HealthSpan plan is best for you, even if you apply through healthcare.gov. Call us at 1-877-218-4188, or contact your agent or broker.

You can also review the “Choosing the right plan for you” section on page 8 and the “Health plan benefit highlights” chart starting on page 12 for helpful details on your health care coverage options. For information on when and how to enroll, see page 6.

Do you qualify for financial assistance?If you need help paying for health care, the federal government may provide financial assistance for people with qualifying incomes. Here’s how to find out if you’re eligible.

Number of people

in household

2013 - 2014 annual family income levels

to qualify1

1 $45,960 or below

2 $62,040 or below

3 $78,120 or below

4 $94,200 or below

5 $110,280 or below

6 $126,360 or below

7 $142,440 or below

8 $158,520 or below

1 2013-2014 modified adjusted gross income levels are the latest available; assistance will be based on estimated 2014 modified adjusted gross income.

Use HealthSpan’s online calculator at HealthSpan.org/get-a-quote. You’ll get an estimate of how much assistance you may receive to help pay your premium.

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Open enrollmentThere’s a deadline to apply for health care coverage. Usually you can apply only between November 15, 2014, and February 15, 2015. This is called the open enrollment period. It’s when you can enroll in health plans through the Health Insurance Marketplace in Ohio or directly through HealthSpan.

To enroll during this 2015 open enrollment period, you must make sure we receive your completed Application for Health Coverage — along with your first month’s premium — no later than February 15, 2015.

Special enrollmentAfter open enrollment, you can still enroll during special enrollment periods in the case of certain events that change your status. Special enrollment periods last 60 days after any of these events, which may include the following:

marriage

birth or adoption of a child

divorce

loss of job and employer-sponsored coverage

Please include proof of your special event with your application.

Open enrollment period – November 15, 2014 through February 15, 2015

If you want your coverage to start on:Your completed application and first month’s premium

must be received by:

January 1, 2015 November 15, 2014 – December 15, 2014

February 1, 2015 December 16, 2014 – January 15, 2015

March 1, 2015 January 16, 2015 – February 15, 2015

When to enroll in your planOnce you understand why you need health care coverage and whether you qualify for financial assistance, the next step is knowing when and how to enroll. Here’s an overview of what you need to do to get the plan of your choice.

Special enrollment period – February 16, 2015 through December 1, 2015

Enrolling outside open enrollment due to a life-changing event

If you want your coverage to start on:Your completed application, first month’s premium,

and proof of special event must be received by:

April 1, 2015 February 16, 2015 – March 15, 2015

May 1, 2015 March 16, 2015 – April 15, 2015

June 1, 2015 April 16, 2015 – May 15, 2015

July 1, 2015 May 16, 2015 – June 15, 2015

August 1, 2015 June 16, 2015 – July 15, 2015

September 1, 2015 July 16, 2015 – August 15, 2015

October 1, 2015 August 16, 2015 – September 15, 2015

November 1, 2015 September 16, 2015 – October 15, 2015

December 1, 2015 October 16, 2015 – November 15, 2015

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Simple steps to enroll

1. Choose a plan

Pick the plan that’s right for you. You can cover your entire family under the same plan or

separate plans.

2. Confirm your coverage area

Check the “Our service area” section on page 14 to see whether your home county is

part of our coverage area. If it isn’t, call us at 1-877-218-4188 or contact your agent or broker.

3. See if you’re eligible for financial assistance

You may be eligible for financial assistance from the federal government for your

2015 HealthSpan health plan. If you qualify, the federal government will pay any

financial assistance to HealthSpan on your behalf. Help may be available for:

• monthly premiums

• out-of-pocket costs, such as copayments, coinsurance or deductibles

See the “Do you qualify for financial assistance?” section of this guide on page 5

for more information. If you’re eligible for a premium tax subsidy, you must purchase

your HealthSpan plan through the Health Insurance Marketplace in Ohio to get

assistance. If you’re not eligible, continue to step 4.

4. Enroll Online

You can enroll online now at healthspan.org/get-a-quote.

Prefer to send us a paper application?

If you need a paper application to enroll, call us at 1-877-218-4188 or call your

agent or broker.

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Choosing the right plan for youBefore you buy your plan — whether directly from us or through the Health Insurance Marketplace in Ohio — we can help you decide which HealthSpan plan is best for you. That way, you’ll know which plan to select as you complete your enrollment. Here’s some important information to help you make your decision.

Health plan typesLearn about our plans, and see examples of how they work. No matter which plan you select, you get top doctors and a care team focused on you—all working together with the latest technology to oVer well-coordinated, personalized care.

Comparing health plansGet an overview of what you might pay for services under diVerent plans, and get a sense of which one best meets your needs.

Health plan benefit highlightsCompare plans and benefits.

Health plan ratesFind the best plan for your needs.

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Copayment plans have set fees for most covered services and no deductibles.

With copayments, you know in advance how much you’ll pay for things like doctor’s o[ce visits or prescriptions.

How it works

Let’s say you injure your ankle and visit your primary care physician, who orders an X-ray. It’s just a sprain, so the doctor prescribes a generic pain medication.

With the HealthSpanOne Silver 2000-70 copayment plan, you would pay a separate copayment for each of the covered services you received. You do not have to reach a deductible.

• In this case, you would pay a $15 copay for the doctor’s oPce visit, 30% coinsurance for the X-ray, and a $10 copay for the generic drug.

• Your copays would contribute to your out-of- pocket maximum.

Please note this is only an example of how a copayment plan works. See the “Health plan benefit highlights” chart starting on page 12 for more detailed information.

Deductible plans have lower monthly rates. If you need care, you’ll usually pay full charge for most covered services until you reach a set amount known as your deductible.

Once you’ve reached your deductible, you’ll pay a copayment or coinsurance for most covered services for the rest of the calendar year.

Most preventive care services will be covered at no charge even before you reach your deductible.

How it works


On the HealthSpanOne Silver 2000-70 deductible plan, you would have to pay $2,000 out of your own pocket before being eligible to pay a copay or coinsurance for most covered services. However, our Silver deductible plan oXers generic drugs and oPce visits for certain services for a copay before the deductible is met.

In this example, the doctor’s oPce visit and the prescription are available for a copay before you reach your deductible. You would pay just a $15 copay for the doctor’s oPce visit and a $10 copay for the generic drug.

Your copays would contribute toward your out-of- pocket maximum but not toward your deductible.

You would pay full charge for the X-ray. This amount would be applied to your $2,000 annual deductible. After reaching your deductible, you would pay a 30% coinsurance for the X-ray.

Please note this is only an example of how a deductible plan works. See the “Health plan benefit highlights” chart starting on page 12 for more detailed information.

Copayment plans Deductible plans

Health plan typesWith each level of coverage — Bronze, Silver, and Gold — there are diVerent types of plans that work in diVerent ways, depending on how you want to pay for services. You can choose one plan for your entire family or separate plans for diVerent family members. If your family members choose diVerent plans, each plan will have a separate deductible and out-of-pocket maximum.

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How it works


With the HealthSpanOne Silver 1500-70 HSA-qualified deductible plan, you would pay full charge for most covered services until you reach your $1,500 deductible. However, if you open and fund an HSA, you can pay for your deductible, copays, and coinsurance with tax-deductible dollars. Most preventive care services would be covered at no charge even before the deductible is met.

In the situation above, you would pay the first $1,500 of your medical and pharmacy expenses out of your own pocket. Then you would start paying a copay or coinsurance for most covered services.

If you haven’t reached your deductible, you would pay full charge for the doctor’s oPce visit, the X-ray, and the medication. After reaching your deductible, you would pay 30% for the doctor’s oPce visit, 30% coinsurance for the X-ray, and 30% coinsurance for the generic drug.

All the charges you pay for covered services would apply to your deductible, and your deductible would contribute to your out-of-pocket maximum.

HSA-qualified deductible plans allow you to pay for qualified medical expenses with tax- deductible dollars.

You can contribute tax-deductible dollars into an HSA (health savings account), and use this money to help pay for eligible medical expenses, such as eyeglasses and laser eye surgery, dental care, acupuncture, and chiropractic services. For a complete list of qualified medical expenses, see Publication 502, Medical and Dental Expenses, at irs.gov.

If you select a plan qualified for an HSA, we’ll send you additional information about setting up your account.

Tax references relate to federal income tax only. For more information, consult your financial or tax adviser. To learn more about health savings accounts, visit irs.gov/publications/p969/ar02.html or call 1-800-829-1040.

HSA-qualified deductible plans

A focus on prevention

Preventive screenings help keep you healthy by providing an early alert for many health conditions. That way, they can be treated before they become serious. Under health care reform, many are available at no charge — even if you have a deductible plan.

Here are some examples of preventive care services:

routine preventive physical exams

well-child visits (0 to 23 months)

well-woman visits

immunizations

annual flu shots

routine preventive laboratory tests

flexible sigmoidoscopies and colonoscopies

bone density scans

tuberculosis tests

autism screenings

mammogram screenings

breastfeeding support

Please note this is only an example of how an HSA-qualified plan works. See the “Health plan benefit highlights” chart starting on page 12 for more detailed information.

The HSA di:erence for family plans

Deductibles and out-of-pocket maximums work diVerently in traditional deductible plans and most HSA-qualified deductible plans with family coverage.

Deductible plans with family coverage have both an individual deductible and a family deductible. That means that one member of the family can meet the lower individual deductible and be eligible for coinsurance or copayments before the higher family deductible is satisfied. Similarly, one family member can meet the individual out-of-pocket maximum before the family out-of-pocket maximum is met.

However, in most HSA-qualified deductible plans with family coverage, there is no individual deductible or out-of-pocket maximum. You can meet the family deductible or out-of-pocket maximum with one family member’s expenses or a combination of family members’ out-of-pocket costs.

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Here’s a quick look at how to use the chart.

HealthSpanOne Silver 2000-70

Plan type Deductible

Features

Individual plan annual deductible(subscriber only)

$2,000

Family plan annual deductible(individual/family)

$2,000/$4,000

Individual plan annual out-of-pocket maximum (subscriber only)

$6,000

Family plan annual out-of-pocket maximum (individual/family)

$6,000/$12,000

Benefits

Preventive care

Routine physical exam No charge

Outpatient services (per visit or procedure)

Primary care o@ce visit $15

Specialty care o@ce visit $40

Most X-rays 30% after deductible

Most lab tests 30% after deductible

MRI, CT, PET $250 after deductible

Outpatient surgery 30% after deductible

Mental health visit $15

Inpatient hospital care (per admission)

Room and board, surgery, anesthesia, X-rays, lab tests, medications

30% after deductible

Maternity

Routine prenatal care visit, first postpartum visit

No charge

Delivery and inpatient well-baby care 30% after deductible

Emergency and urgent care

Emergency Department visit 30% after deductible

Urgent care visit $75

Prescription drugs

Plan pharmacy (up to a 30-day supply)

Generic: $10Brand: $35

Specialty: 33% ($200 maximum)

Mail order (up to a 90-day supply)

Generic: $20Brand: $70

Specialty: 33% ($200 maximum)

Annual deductibleYou need to pay this amount before your plan starts helping you pay for most covered services. Under this sample plan, you’d pay the full charge for most services until you reach $2,000 for yourself or $4,000 for your family. Then you’d start paying copayments (copays) or coinsurance.

Preventive care at no chargeMost preventive care services — including routine physical exams and mammograms — are covered at no charge. Plus, they’re not subject to the deductible.

CoinsuranceAfter reaching your deductible, you may start paying a percentage of the total cost for certain services. Here, you’d pay 30% of the cost for your inpatient hospital care after you reach your deductible. Your plan would pay the rest.

Not subject to the deductibleSome services are always covered at a copay or coinsurance, regardless of whether you’ve reached your deductible. Under this plan, primary care visits are covered at a $15 copay — even before you meet your deductible.

CopaymentThis is the set amount you pay for certain services. Here, you’d pay $75 for Urgent Care.

Annual out-of-pocket maximumThis is the most you’ll pay for care during a policy period (usually a year) before your plan starts paying 100 percent for most covered services. In this example, you’d never pay more than $6,000 for yourself and no more than $12,000 for your family for your deductible, copayments, and coinsurance.

Comparing health plansSee the “Health plan benefit highlights” chart starting on the next page for an overview of what you can expect to pay for services under our plans. This will help you understand which one best meets your needs. For deductible plans, keep in mind that most of the amounts shown apply only after you reach your deductible.

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HealthSpanOneGold 250-70



HealthSpanOneSilver 1500-70 HSA

Plan Type Deductible Deductible Deductible HSA-qualified

Features

Individual Plan Annual Deductible (subscriber only)

$250 $1,000 $2,000 $1,500

Family Plan Annual Deductible (individual/family)

$250/$500 $1,000/$2,000 $2,000/$4,000 $3,000/$3,000

Individual Plan Annual Out-of-Pocket Maximum

$6,000 $5,000 $3,000 $5,000

Family Plan Annual Out-of-Pocket Maximum (individual/family)

$6,000/$12,000 $5,000/$10,000 $3,000/$6,000 $10,000/$10,000

Benefits

Preventive Care

Preventive Services - Routine Physical Exam

$0 $0 $0 $0

Outpatient services (per visit or procedure)

Primary care o@ce visit $10 $10 $10 30% after deductible

Specialty care o@ce visit $30 $30 $30 30% after deductible

Most X-Rays 30% after deductible 20% after deductible 0% after deductible 30% after deductible

Most Lab Tests 30% after deductible 20% after deductible 0% after deductible 30% after deductible

Outpatient Surgery 30% after deductible 20% after deductible 0% after deductible 30% after deductible

Mental Health outpatient $10 $10 $10 30% after deductible

Inpatient hospital care (per admission)

Room and board, surgery, anesthesia, X-rays, lab tests, medications

30% after deductible 20% after deductible 0% after deductible 30% after deductible

Maternity

Routine prenatal care visit, first postpartum visit

$0 $0 $0 $0

Delivery and inpatient well-baby care 30% after deductible 20% after deductible 0% after deductible 30% after deductible

Emergency and Urgent Care

Emergency Room Visit $200 $200 $200 30% after deductible

Urgent Care Visit $75 $75 $75 30% after deductible

Prescription Drugs

Plan pharmacy (up to 30-day supply)

RX Generic $10 $10 $10 30% after deductible

RX Brand $30 $30 $30 30% after deductible

Rx Brand Non-Preferred $60 $60 $60 30% after deductible

RX Specialty 33% ($200 maximum) 33% ($200 maximum) 33% ($200 maximum) 30% after deductible

Mail Order (up to 90-day supply)

RX Generic $20 $20 $20 30% after deductible

RX Brand $60 $60 $60 30% after deductible

Rx Brand Non-Preferred $120 $120 $120 30% after deductible

RX Specialty 33% ($200 maximum) 33% ($200 maximum) 33% ($200 maximum) 30% after deductible

This is a summary of plan benefits and not a complete description. For more information, please refer to the Evidence of Coverage which will be mailed to you upon enr

from out-of-network providers, HealthSpan will not be responsible for the costs. For services subject to the deductible, you will have to pay health care expenses out of pocket until you meet your deductible. Most deductibles, copayments, and coinsurance cont

Health plan benefit highlights

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HealthSpanOneSilver 2000-70

HealthSpanOneSilver 2500-80

HealthSpanOne Silver 3000 HSA

HealthSpanOne Bronze 4000-70 HSA

HealthSpanOneBronze 5000-80 HSA

HealthSpanOne Bronze 6000 HSA

Deductible Deductible HSA-qualified HSA-qualified Deductible HSA-qualified

$2,000 $2,500 $3,000 $4,000 $5,000 $6,000

$2,000/$4,000 $2,500/$5,000 $3,000/$6,000 $4,000/$8,000 $5,000/$10,000 $6,000/$12,000

$6,000 $6,000 $3,000 $6,500 $6,600 $6,000

$6,000/$12,000 $6,000/$12,000 $3,000/$6,000 $6,500/$13,000 $6,600/$13,200 $6,000/$12,000

$0 $0 $0 $0 $0 $0

$15 $15 0% after deductible 30% after deductible $25 0% after deductible

$40 $40 0% after deductible 30% after deductible $50 after deductible 0% after deductible

30% after deductible 20% after deductible 0% after deductible 30% after deductible 20% after deductible 0% after deductible





$0 $0 $0 $0 $0 $0





$35 $35 0% after deductible 30% after deductible 50% after deductible 0% after deductible


33% ($200 maximum) 33% ($200 maximum) 0% after deductible 30% after deductible50% after deductible

($200 maximum)0% after deductible




33% ($200 maximum) 33% ($200 maximum) 0% after deductible 30% after deductible50% after deductible

($200 maximum)0% after deductible

ou upon enrollment or upon request. You must use HealthSpan plan providers for in-network care, except in emergency or urgent care situations. If you obtain routine care

ve to pay health care expenses out of pocket until you meet your deductible. Most deductibles, copayments, and coinsurance contribute to the out-of-pocket maximum.

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Health plan ratesWe’re here to help you find the best plan for your needs. Review the “Our service area” section below to determine if you live in our service area. Then go to HealthSpan.org/get-a-quote to determine the rate for you or you and your family.

What determines your rate?Your rate is based on the following:

the plan you select

where you live, based on your county

your age as of 2015 eVective date

whether you use tobacco

If you move and change your home county, your monthly rate may change. If you move to an area that isn’t covered by HealthSpan, your coverage will not continue.

Our service areaYour coverage rate is based on where you live. Please check to see if you reside in our service area based on your home address.

HealthSpan Inc. Service Area

HealthSpanOne is underwritten by HealthSpan Inc. in the following counties: Adams, Allen, Auglaize, Brown, Butler, Champaign, Clark, Clermont, Clinton, Darke, Defiance, Fulton, Greene, Hamilton, Hancock, Henry, Highland, Huron, Lucas, Mahoning, Mercer, Miami, Montgomery, Ottawa, Preble, Putman, Seneca, Shelby, Trumbull, Van Wert, Warren or Wood county.

HealthSpan Integrated Care Area.

HealthSpanOne is underwritten by HealthSpan Integrated Care in the following counties: Cuyahoga, Geauga, Lake, Lorain, Medina, Portage, Stark, Summit or Wayne county.

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Preventive care at no extra charge

As you review the rates, keep in mind that preventive care services are available at no charge before you reach your deductible. That means you get a wide range of services that can help you stay healthy —including immunizations, diabetes and cancer screenings, counseling for smoking and alcohol abuse, and more — at no charge.

When figuring out your rate, please keep the following in mind. Although family members can enroll in diVerent plans, there are some advantages to enrolling family members in the same plan:

Family members can combine their eligible out-of-pocket expenses to meet a family deductible or out-of-pocket maximum.

Children can be covered under your plan until they reach age 28, whether or not they’re in school, living at home, or away from the family. But they need to be on the same plan as you.

Family rates include charges for no more than the three oldest children under age 21. Other children under 21 are covered at no additional cost, as long as they’re all covered under the same plan.

You may want to consider diVerent plans with diVerent rates for various family members based on your family’s needs. Just keep in mind that you may pay more if you have more than three children under age 21 who are not covered under the same plan.

Try a better approach to health.Apply now!

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Documents

2015 HealthSpanOne for Individuals and Families Enrollment ... · Health insurance is a lot like the insurance people have to protect their car or home. Some people get health insurance