Coverage under this plan qualifies as minimum essential coverage. Please visit the Internal Revenue Service (IRS) website at www.irs.gov/uac/Questions-and-Answers-on-the-Individual-Shared-Responsibility-Provision for more information on the individual requirement for MEC.

See www.opm.gov/healthcare-insurance for enrollment information as well as:

• Information on the FEHB Program and plans available to you
• A health plan comparison tool
• A list of agencies that participate in Employee Express
• A link to Employee Express
• Information on and links to other electronic enrollment systems

Also, your employing or retirement office can answer your questions, give you other plans' brochures and other materials you need to make an informed decision about your FEHB coverage. These materials tell you:

• 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
• What happens when your enrollment ends
• When the next Open Season for enrollment begins

We do not determine who is eligible for coverage and, in most cases, cannot change your enrollment status without information from your employing or retirement office. For information on your premium deductions, you must also contact your employing or retirement office.

Once enrolled in your FEHB Program Plan, you should contact the carrier directly for address updates and questions about your benefit coverage.

Self Only coverage is only for the enrollee. Self Plus One coverage is for the enrollee and one eligible family member. Self and Family coverage is for the enrollee, and one or more eligible family members. Family members include your spouse and your dependent children under age 26, including any foster children authorized for coverage by your employing agency or retirement office. Under certain circumstances, you may also continue coverage for a disabled child 26 years of age or older who is incapable of self-support.

If you have a Self Only enrollment, you may change to a Self Plus One or 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 Plus One or 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 Plus One or 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 are married. A carrier may request that an enrollee verify the eligibility of any or all family members listed as covered under the enrollee’s FEHB enrollment.

Contact your carrier to add a family member when there is already family Coverage.

Contact your employing or retirement office if you are changing from Self to Self Plus One or Self and Family or to add a family member if you currently have a Self Only plan.

Your employing or retirement office will not notify you when a family member is no longer eligible to receive benefits, nor will we. Please tell us immediately of changes in family member status, including your marriage, divorce, annulment, or when your child reaches age 26.

If you or one of your family members is enrolled in one FEHB plan, you or they cannot be enrolled in or covered as a family member by another enrollee in another FEHB plan.

If you have a qualifying life event (QLE) - such as marriage, divorce, or the birth of a child - outside of the Federal Benefits Open Season, you may be eligible to enroll in the FEHB Program, change your enrollment, or cancel coverage. For a complete list of QLEs, visit the FEHB website at www.opm.gov/healthcare-insurance/life-events. If you need assistance, please contact your employing agency, Tribal Benefits Officer, personnel/payroll office, or retirement office.

Family members covered under your Self and Family enrollment are your spouse (including your spouse by valid common-law marriage from a state that recognizes common-law marriages) and children as described in the chart below. A Self Plus One enrollment covers you and your spouse, or one other eligible family member as described below.

Natural children, adopted children, and stepchildren
Coverage: Natural children, adopted children, and stepchildren are covered until their 26th birthday.

Foster children
Coverage: Foster children are eligible for coverage until their 26th birthday if you provide documentation of your regular and substantial support of the child and sign a certification stating that your foster child meets all the requirements. Contact your human resources office or retirement system for additional information.

Children incapable of self-support
Coverage: Children who are incapable of self-support because of a mental or physical disability that began before age 26 are eligible to continue coverage. Contact your human resources office or retirement system for additional information.

Married children
Coverage: Married children (but NOT their spouse or their own children) are covered until their 26th birthday.

Children with or eligible for employer-provided health insurance
Coverage: Children who are eligible for or have their own employer-provided health insurance are covered until their 26th birthday.

Newborns of covered children are insured only for routine nursery care during the covered portion of the mother's maternity stay.

You can find additional information at www.opm.gov/healthcare-insurance.

OPM implements the Federal Employees Health Benefits Children’s Equity Act of 2000. This law mandates that you be enrolled for Self Plus One or Self and Family coverage in the FEHB Program, if you are an employee subject to a court or administrative order requiring you to provide health benefits for your child(ren).

If this law applies to you, you must enroll for Self Plus One or Self and Family coverage in a health plan that provides full benefits in the area where your children live or provide documentation to your employing office that you have obtained other health benefits coverage for your children. If you do not do so, your employing office will enroll you involuntarily as follows:

• If you have no FEHB coverage, your employing office will enroll you for Self Plus One or Self and Family coverage, as appropriate, in the lowest-cost nationwide plan option as determined by OPM;
• If you have a Self Only enrollment in a fee-for-service plan or in an HMO that serves the area where your children live, your employing office will change your enrollment to Self Plus One or Self and Family, as appropriate, in the same option of the same plan; or
• If you are enrolled in an HMO that does not serve the area where the children live, your employing office will change your enrollment to Self Plus One or Self and Family, as appropriate, in the lowest-cost nationwide plan option as determined by OPM.

As long as the court/administrative order is in effect, and you have at least one child identified in the order who is still eligible under the FEHB Program, you cannot cancel your enrollment, change to Self Only, or change to a plan that does not serve the area in which your children live, unless you provide documentation that you have other coverage for the children. 

If the court/administrative order is still in effect when you retire, and you have at least one child still eligible for FEHB coverage, you must continue your FEHB coverage into retirement (if eligible) and cannot cancel your coverage, change to Self Only, or change to a plan that does not serve the area in which your children live as long as the court/administrative order is in effect. Similarly, you cannot change to Self Plus One if the court/administrative order identifies more than one child. Contact your employing office for further information.

The benefits in this brochure are effective 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. If you changed plans or plan options during Open Season and you receive care between January 1 and the effective date of coverage under your new plan or option, your claims will be processed according to the 2023 benefits of your prior plan or option. If you have met (or pay cost-sharing that results in your meeting) the out-of-pocket maximum under the prior plan or option, you will not pay cost-sharing for services covered between January 1 and the effective date of coverage under your new plan or option. However, if your prior plan left the FEHB Program at the end of the year, you are covered under that plan’s 2022 benefits until the effective date of your coverage with your new plan. 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.

If your enrollment continues after you are no longer eligible for coverage, (i.e. you have separated from Federal service) and premiums are not paid, you will be responsible for all benefits paid during the period in which premiums were not paid. You may be billed for services received directly from your provider. You may be prosecuted for fraud for knowingly using health insurance benefits for which you have not paid premiums. It is your responsibility to know when you or a family member are no longer eligible to use your health insurance coverage.

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).

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.

Any person covered under the 31 day extension of coverage who is confined in a hospital or other institution for care or treatment on the 31^st day of the temporary extension is entitled to continuation of the benefits of the Plan during the continuance of the confinement but not beyond the 60^th day after the end of the 31 day temporary extension.

You may be eligible for spouse equity coverage or Temporary Continuation of Coverage (TCC), or a conversion policy (a non-FEHB individual policy.)

If you are divorced from a Federal employee, or an annuitant, you may not continue to get benefits under your former spouse’s enrollment.  This is the case even when the court has ordered your former spouse to provide health coverage to you.  However, you may be eligible for your own FEHB coverage under either the spouse equity law or Temporary Continuation of Coverage (TCC). If you are recently divorced or are anticipating a divorce, contact your ex-spouse’s employing or retirement office to get additional information about your coverage choices. You can also visit OPM’s website at www.opm.gov/healthcare-insurance/healthcare/plan-information/. A carrier may request that an enrollee verify the eligibility of any or all family members listed as covered under the enrollee’s FEHB enrollment.

If you leave Federal service, Tribal employment, or if you lose coverage because you no longer qualify as a 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 Federal or Tribal job, or if you are a covered child and you turn 26.

You may not elect TCC if you are fired from your Federal or Tribal job due to gross misconduct.

Enrolling in TCC. Get the RI 79-27, which describes TCC, from your employing or retirement office or from www.opm.gov/healthcare-insurance. It explains what you have to do to enroll.

Alternatively, you can buy coverage through the Health Insurance Marketplace where, depending on your income, you could be eligible for a tax credit that lowers your monthly premiums. Visit www.HealthCare.gov to compare plans and see what your premium, deductible, and out-of-pocket costs would be before you make a decision to enroll. Finally, if you qualify for coverage under another group health plan (such as your spouse’s plan), you may be able to enroll in that plan, as long as you apply within 30 days of losing FEHB Program coverage.

You may convert to a non-FEHB individual policy if:

• 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.

If you leave Federal or Tribal service, your employing office will notify you of your right to convert. You must contact us in writing 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 contact us in writing 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, a waiting period will not be imposed and your coverage will not be limited due to pre-existing conditions. When you contact us, we will assist you in obtaining information about health benefits coverage inside or outside the Affordable Care Act’s Health Insurance Marketplace in your state. For assistance in finding coverage, please contact customer service at 1-800-4HUMANA or visit https://feds.humana.com.

If you would like to purchase health insurance through the ACA's Health Insurance Marketplace, please visit www.HealthCare.gov. This is a website provided by the U.S. Department of Health and Human Services that provides up-to-date information on the Marketplace.

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 electronic enrollment system (such as 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 1-800-4HUMANA or 1-800-448-6262 or write to the Plan at P.O. Box 14602, Lexington, KY 40512-4602. You may also request replacement cards through our website https://feds.humana.com/.

You can get care from any “Plan provider” or “Plan facility.” You will only pay copayments, deductibles, and/or coinsurance, and you will not have to file claims. You can also get care from non-Plan providers, but it will cost you more.

Plan providers are physicians and other healthcare professionals in our service area that we contract with to provide covered services to our members. We credential Plan providers according to national standards.

We list Plan providers in the provider directory, which we update periodically. The list is also on our website at https://feds.humana.com/.

This plan recognizes that transgender, non-binary, and other gender diverse members require health care delivered by healthcare providers experienced in gender affirming health. Benefits described in this brochure are available to all members meeting medical necessity guidelines regardless of race, color, national origin, age, disability, religion, sex or gender. 

This plan provides Care Coordinators for complex conditions and can be reached for assistance by calling 1-800-4HUMANA.

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. The list is also on our website at https://feds.humana.com/.

FEHB Carriers must have clauses in their in-network (participating) provider agreements. These clauses provide that, for a service that is a covered benefit in the plan brochure or for services determined not medically necessary, the in-network provider agrees to hold the covered individual harmless (and may not bill) for the difference between the billed charge and the in network contracted amount. If an in-network provider bills you for covered services over your normal cost share (deductible, copay, coinsurance) contact Humana to enforce the terms of its provider contract.

You do not have to select a primary care physician and may self refer. To obtain the highest level of coverage, however, a member must seek care from a participating provider. Some care requires you or your provider to obtain prior authorization.

Your primary care physician can be a general practitioner, family practitioner, internist, or pediatrician. Your primary care physician will provide most of your healthcare.

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.

You may see any participating specialist without a referral, including: 

• Mental health providers
• Vision care providers
• OB/GYN providers for your annual well-woman exam
• Another doctor your primary care physician has designated to provide patient care when he or she is not available.

Here are some other things you should know about specialty care:

• If you have a chronic and disabling condition and lose access to your specialist because we:
• terminate our contract with your specialist for other than cause;
• 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.

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.

We pay for covered services from the effective date of your enrollment. However, if you are in the hospital when your enrollment in our Plan begins, call our customer service department immediately at 1-800-426-2173. If you are new to the FEHB Program, we will arrange for you to receive care and provide benefits for your covered services while you are in the hospital beginning on the effective date of your coverage.

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;
• 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. If your plan terminates participation in the FEHB Program in whole or in part, or if OPM orders an enrollment change, this continuation of coverage provision does not apply. In such cases, the hospitalized family member’s benefits under the new plan begin on the effective date of enrollment.

Since we do not have a primary care physician requirement and we allow you to use non-Plan providers, you need to obtain our approval before you receive certain services. The pre-service claim approval processes for inpatient hospital admissions (called precertification) and for other services, are detailed in this Section. A pre-service claim is any claim in whole or in part, that requires approval from us in advance of obtaining medical care of services. In other words, a pre-service claim for benefits (1) requires precertification, prior approval or a referral and (2) will result in a denial or reduction of benefits if you do not obtain precertification, prior approval or a referral.

Precertification is the process by which – prior to your inpatient hospital admission – we evaluate the medical necessity of your proposed stay and the number of days required to treat your condition.

Your primary care physician has authority to refer you for most services. For certain services, however, your physician must obtain prior approval from us. Before giving approval, we consider if the service is covered, medically necessary, and follows generally accepted medical practice. You must obtain prior authorization for services:

• Organ/tissue transplants
• All elective medical and surgical hospitalizations (Including Inpatient Hospice)
• Non-emergent admissions for mental health, skilled nursing, acute rehabilitation facilities and long term acute care facilities
• MRI, MRA, PET, CT Scan, and SPECT Scan
• Surgical treatment for morbid obesity
• All durable medical equipment (DME) over $750
• Home healthcare services (Including Home Hospice)
• Infertility testing and treatment
• Some specialty drugs when delivered in the physician's office, clinic, outpatient or home setting
• All surgeries which may be considered plastic or cosmetic surgery only for repair of accidental injury
• Oral surgeries
• Outpatient Therapy Services for Physical, Occupational and Speech
• Genetic/Molecular Diagnostic Testing – (Genetic testing is covered under the laboratory services benefit, limitations may apply)
• Chiropractic
• Radiation Therapy
• Acupuncture
• Esophagogastroduodenoscopy (EGD)
• Coronary angiography
• Colonoscopy repeat testing

For a complete listing of services requiring prior authorization, please visit our website at www.humana.com.

First, your physician, your hospital, you, or your representative must call us at 1-800-4HUMANA before admission or services requiring prior authorization are rendered.

Next, provide the following information:

• enrollee’s name and Plan identification number;
• patient’s name, birth date, identification number and phone number;
• reason for hospitalization, proposed treatment, or surgery;
• name and phone number of admitting physician;
• name of hospital or facility; and
• number of days requested for hospital stay.

For non-urgent care claims, we will tell the physician and/or hospital the number of approved inpatient days, or the care that we approve for other services that must have prior authorization. We will make our decision within 15 days of receipt of the pre-service claim. If matters beyond our control require an extension of time, we may take up to an additional 15 days for review and we will notify you of the need for an extension of time before the end of the original 15-day period. Our notice will include the circumstances underlying the request for the extension and the date when a decision is expected.

If we need an extension because we have not received necessary information from you, our notice will describe the specific information required and we will allow you up to 60 days from the receipt of the notice to provide the information.

If you have an urgent care claim (i.e., when waiting for the regular time limit for your medical care or treatment could seriously jeopardize your life, health, or ability to regain maximum function, or in the opinion of a physician with knowledge of your medical condition, would subject you to severe pain that cannot be adequately managed without this care or treatment), we will expedite our review and notify you of our decision within 72 hours. If you request that we review your claim as an urgent care claim, we will review the documentation you provide and decide whether or not it is an urgent care claim by applying the judgment of a prudent layperson that possesses an average knowledge of health and medicine.

If you fail to provide sufficient information, we will contact you within 24 hours after we receive the claim to let you know what information we need to complete our review of the claim. You will then have up to 48 hours from the receipt of this notice to provide the necessary information. We will make our decision on the claim within 48 hours of (1) the time we received the additional information or (2) the end of the time frame you received the notice to provide the additional information, whichever is earlier.

We may provide our decision orally within these time frames, but we will follow up with written or electronic notification within three days of oral notification.

You may request that your urgent care claim on appeal be reviewed simultaneously by us and OPM. Please let us know that you would like a simultaneous review of your urgent care claim by OPM either in writing at the time you appeal our initial decision, or by calling us at 1-800-4HUMANA or 1-800-448-6262. You may also call OPM’s Health Insurance 3 at (202) 606-0755 between 8 a.m. and 5 p.m. Eastern Time to ask for the simultaneous review. We will cooperate with OPM so they can quickly review your claim on appeal. In addition, if you did not indicate that your claim was a claim for urgent care, call us at 1-800-4HUMANA or 1-800-448-6262. If it is determined that your claim is an urgent care claim, we will expedite our review (if we have not yet responded to your claim).

A concurrent care claim involves care provided over a period of time or over a number of treatments. We will treat any reduction or termination of our pre-approved course of treatment before the end of the approved period of time or number of treatments as an appealable decision. This does not include reduction or termination due to benefit changes or if your enrollment ends. If we believe a reduction or termination is warranted, we will allow you sufficient time to appeal and obtain a decision from us before the reduction or termination takes effect.

If you request an extension of an ongoing course of treatment at least 24 hours prior to the expiration of the approved time period and this is also an urgent care claim, we will make a decision within 24 hours after we receive the claim.

If you have an emergency admission due to a condition that you reasonably believe puts your life in danger or could cause serious damage to bodily function, you, your representative, the physician, or the hospital must phone us within two business days following the day of the emergency admission, even if you have been discharged from the hospital.

Precertification is not required for maternity care.

If you request an extension of an ongoing course of treatment at least 24 hours prior to the expiration of the approved time period and this is also an urgent care claim, we will make a decision within 24 hours after we receive the claim.

You are responsible for the precertification rules when using non-network healthcare providers. If preauthorization is required but not obtained, benefits will be reduced by $500.

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.

If you have a pre-service claim and you do not agree with our decision regarding precertification of an inpatient admission or prior approval of other services, you may request a review in accord with the procedures detailed below. If your claim is in reference to a contraceptive, call 1-800-4-HUMANA.

If you have already received the service, supply, or treatment, then you have a post-service claim and must follow the entire disputed claims process detailed in Section 8.

Within 6 months of our initial decision, you may ask us in writing to reconsider our initial decision. Follow Step 1 of the disputed claims process detailed in Section 8 of this brochure. 

In the case of a pre-service claim and subject to a request for additional information, we have 30 days from the date we receive your written request for reconsideration to

1. Precertify your hospital stay or, if applicable, arrange for the healthcare provider to give you the care or grant your request for prior approval for a service, drug, or supply; or
2. Ask you or your provider for more information. 
   
   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.
3. Write to you and maintain our denial.

In the case of an appeal of a pre-service urgent care claim, within 6 months of our initial decision, you may ask us in writing to reconsider our initial decision. Follow Step 1 of the disputed claims process detailed in Section 8 of this brochure. 

Unless we request additional information, we will notify you of our decision within 72 hours after receipt of your reconsideration request. We will expedite the review process, which allows oral or written requests for appeals and the exchange of information by phone, electronic mail, facsimile, or other expeditious methods.

After we reconsider your pre-service claim, if you do not agree with our decision, you may ask OPM to review it by following Step 3 of the disputed claims process detailed in Section 8 of this brochure.

Coinsurance is the percentage of our allowance that you must pay for your care. Coinsurance does not begin until you have met your calendar year deductible.

Participating providers example: You pay 50% of charges for in-network infertility services under the CDHP and the Value Plan.

Non-participating providers example: You pay 40% up to $5,000 limit of Plan allowance and any difference between allowance and the billed amount for out-of-network infertility services under the CDHP. You pay 50% up to $5,000 limit of Plan allowance and any difference between allowance and the billed amount for out-of-network infertility services under the Value Plan.

A copayment is a fixed amount of money you pay to a participating provider, facility, pharmacy, etc. when you receive certain services.

Copayments apply, even after you meet your deductible.

Example: When you see a participating primary care physician (PCP), you will pay a $40 copayment under the CDHP and a $50 copayment under the Value Plan. 

A deductible is a fixed expense you must incur for certain covered services and supplies before we start paying benefits for them. Deductible and out-of-pocket limits for participating and non-participating benefits are calculated separately.

Consumer Driven Health Plan (CDHP)

Participating providers – If you use participating providers, you do not have to meet a deductible until your $1,000 benefit allowance is depleted. The calendar year deductible is $1,500 for Self Only. The deductible for Self Plus One or Self and Family coverage is $3,000.

Non-participating providers – If you use non-participating providers, the $1,000 benefit allowance does not apply. Before benefits are payable, the calendar year deductible of $3,500 for Self Only must be met. The deductible for Self Plus One or Self and Family coverage is $7,000. 

Value Plan

Participating providers – The calendar year deductible for Self Only is $1,500. The deductible for Self Plus One or Self and Family is $3,000.

Non-participating providers – The calendar year deductible for Self Only is $3,500. The deductible for Self Plus One or Self and Family is $7,000.

Note: If you change plans during Open Season, you do not have to start a new deductible under your prior plan between January 1 and the effective date of your new plan. If you change plans at another time during the year, you must begin a new deductible under your new plan.

Participating providers – have agreed to accept a negotiated payment from us; you are only responsible for your copayments. You never have to pay the difference between the plan allowance and the billed amount.

Non-participating providers – You will be responsible for any difference between the amount non-participating providers charge and our allowance, in addition to the applicable coinsurance amounts.

You should also see section Important Notice About Surprise Billing – Know Your Rights below that describes your protections against surprise billing under the No Surprises Act.

Out-of-pocket maximums are the amount of out-of-pocket expenses that a Self Only, Self Plus One or a Self and Family will have to pay in a plan year. Out -of-pocket maximums apply on a calendar year basis only. The non-participating maximum out-of-pocket expense limits exclude expenses for covered organ transplants. 

CDHP

Participating providers – After your (copayments and coinsurance) total $8,150 for Self Only, or $16,300 for a Self Plus One or Self and Family enrollment in any calendar year, you do not have to pay any more for covered services.

Non-participating providers – After your (copayments and coinsurance) total $16,300 for Self Only, or $32,600 for a Self Plus One or Self and Family enrollment in any calendar year, you do not have to pay any more for covered services.

The maximum annual limitation on cost sharing listed under Self Only of $8,150 for participating providers and $16,300 for non-participating providers applies to each individual, regardless of whether the individual is enrolled in Self Only, Self Plus One, or Self and Family.

Example Scenario: Your plan has a $8,150 Self Only maximum out-of-pocket limit and a $16,300 Self Plus One or Self and Family maximum out-of-pocket limit. If you or one of your eligible family members has out-of-pocket qualified medical expenses of $8,150 or more for the calendar year, any remaining qualified medical expenses for that individual will be covered fully by your health plan. With a Self and Family enrollment out-of-pocket maximum of $16,300, a second family member, or an aggregate of other eligible family members, will continue to accrue out-of-pocket qualified medical expenses up to a maximum of $8,150 for the calendar year before their qualified medical expenses will begin to be covered in full. 

Be sure to keep accurate records and receipts of your copayments and coinsurance since you are responsible for informing us when you reach the maximum.

Value Plan

Participating providers – After your (copayments and coinsurance) total $8,150 for Self Only, or $16,300 for a Self Plus One or Self and Family enrollment in any calendar year, you do not have to pay any more for covered services.

Non-participating providers – After your (copayments and coinsurance) total $16,300 for Self Only, or $32,600 for a Self Plus One or Self and Family enrollment in any calendar year, you do not have to pay any more for covered services.

The maximum annual limitation on cost sharing listed under Self Only of $8,150 for participating providers and $16,300 for non-participating providers applies to each individual, regardless of whether the individual is enrolled in Self Only, Self Plus One, or Self and Family.

Example Scenario: Your plan has a $8,150 Self Only maximum out-of-pocket limit and a $16,300 Self Plus One or Self and Family maximum out-of-pocket limit. If you or one of your eligible family members has out-of-pocket qualified medical expenses of $8,150 or more for the calendar year, any remaining qualified medical expenses for that individual will be covered fully by your health plan. With a Self and Family enrollment out-of-pocket maximum of $16,300, a second family member, or an aggregate of other eligible family members, will continue to accrue out-of-pocket qualified medical expenses up to a maximum of $8,150 for the calendar year before their qualified medical expenses will begin to be covered in full. 

Be sure to keep accurate records and receipts of your copayments and coinsurance since you are responsible for informing us when you reach the maximum.

If you changed to this plan during Open Season from a plan with a catastrophic protection benefit and the effective date of the change was after January 1, any expenses that would have applied to that plan’s catastrophic protection benefit during the prior year will be covered by your prior plan if they are for care you received in January before your effective date of coverage in this Plan. If you have already met your prior plan’s catastrophic protection benefit level in full, it will continue to apply until the effective date of your coverage in this Plan. If you have not met this expense level in full, your prior plan will first apply your covered out-of-pocket expenses until the prior year’s catastrophic level is reached and then apply the catastrophic protection benefit to covered out-of-pocket expenses incurred from that point until the effective date of your coverage in this Plan. Your prior plan will pay these covered expenses according to this year’s benefits; benefit changes are effective January 1.

Facilities of the Department of Veterans Affairs, the Department of Defense and the Indian Health Services are entitled to seek reimbursement from us for certain services and supplies they provide to you or a family member. They may not seek more than their governing laws allow. You may be responsible to pay for certain services and charges. Contact the government facility directly for more information.

The No Surprises Act (NSA) is a federal law that provides you with protections against “surprise billing” and “balance billing” under certain circumstances. A surprise bill is an unexpected bill you receive from a nonparticipating healthcare provider, facility, or air ambulance service for healthcare. Surprise bills can happen when you receive emergency care – when you have little or no say in the facility or provider from whom you receive care. They can also happen when you receive non-emergency services at participating facilities, but you receive some care from nonparticipating providers.

Balance billing happens when you receive a bill from the nonparticipating provider, facility, or air ambulance service for the difference between the nonparticipating provider's charge and the amount payable by your health plan.

Your health plan must comply with the NSA protections that hold you harmless from unexpected bills. 

In addition, your health plan adopts and complies with the surprise billing laws of Arizona, Florida, Georgia, Illinois, Kansas, Kentucky, Ohio, Tennessee, and Texas.

For specific information on surprise billing, the rights and protections you have, and your responsibilities go to https://humana.com or contact the health plan at 1-800-4HUMANA.

• Healthcare FSA (HCFSA) – Reimburses you for eligible out-of-pocket healthcare expenses (such as copayments, deductibles, physician prescribed over-the-counter drugs and medications, vision and dental expenses, and much more) for you, your tax dependents, and your adult children (through the end of the calendar year in which they turn 26).
• FSAFEDS offers paperless reimbursement for your HCFSA through a number of
  FEHB and FEDVIP plans. This means that when you or your provider files claims with your FEHB or FEDVIP plan, FSAFEDS will automatically reimburse your eligible out-of-pocket expenses based on the claim information it receives from your plan.

Routine physical every year

The following preventive services are covered at the time interval recommended at each of the links below:

• Immunizations such as Pneumococcal, influenza, shingles, tetanus/DTaP, and human papillomavirus (HPV). For a complete list of immunizations go to the Centers for Disease Control (CDC) website at https://www.cdc.gov/vaccines/schedules/
• Screenings such as cancer, osteoporosis, depression, diabetes, high blood pressure, total blood cholesterol, HIV, and colorectal cancer screening. For a complete list of screenings go to the U.S. Preventive Services Task Force (USPSTF) website at
  https://www.uspreventiveservicestaskforce.org
• Individual counseling on prevention and reducing health risks
• Preventive care benefits for women such as Pap smears, gonorrhea prophylactic medication to protect newborns, annual counseling for sexually transmitted infections, contraceptive methods, and screening for interpersonal and domestic violence. For a complete list of preventive care benefits for women please visit the Health and Human Services (HHS) website at
  https://www.healthcare.gov/preventive-care-women/
• To build your personalized list of preventive services go to https://health.gov/myhealthfinder

Participating: Nothing (No deductible)

Non-participating: 40% of our plan allowance and any difference between our allowance and the billed amount

• Routine mammogram – covered

Participating: Nothing (No deductible)

Non-participating: 40% of our plan allowance and any difference between our allowance and the billed amount

• Adult immunizations endorsed by the Centers for Disease Control and Prevention (CDC): based on the Advisory Committee on Immunization Practices (ACIP) schedule.

Note: Any procedure, injection, diagnostic service, laboratory, or X-ray service done in conjunction with a routine examination and is not included in the preventive recommended listing of services will be subject to the applicable member copayments, coinsurance, and deductible.

Participating: Nothing (No deductible)

Non-participating: 40% of our plan allowance and any difference between our allowance and the billed amount

Not covered:

• Physical exams required for obtaining or continuing employment or insurance, attending schools or camp, athletic exams, or travel.
• Immunizations, boosters, and medications for travel or work-related exposure.

All charges

• Well-child visits, examinations, and other preventive services as described in the Bright Future Guidelines provided by the American Academy of Pediatrics. For a complete list of the American Academy of Pediatrics Bright Futures Guidelines go to https://brightfutures.aap.org
• Immunizations such as DTaP, Polio, Measles, Mumps, and Rubella (MMR), and Varicella. For a complete list of immunizations go to the Centers for Disease Control (CDC) website at: https://www.cdc.gov/vaccines/schedules/
• You can also find a complete list of preventive care services recommended under the U.S. Preventive Services Task Force (USPSTF) online at https://www.uspreventiveservicestaskforce.org

Note: When receiving these services from a participating provider, it is not necessary to first meet your deductible. The cost of the services does not apply toward your $1,000 benefit allowance. You only have to pay your copayment.

Note: Any procedure, injection, diagnostic service, laboratory, or X-ray service done in conjunction with a routine examination and is not included in the preventive recommended listing of services will be subject to the applicable member copayments, coinsurance, and deductible.

Participating: Nothing (No deductible)

Non-participating: 40% of our plan allowance and any difference between our allowance and the billed amount

The deductible applies to almost all benefits in this Section. In the You pay column, we say “No deductible” when it does not apply. When you receive covered services from network providers, you are responsible for paying the allowable charges until you meet the deductible.

100% of allowable charges until you meet the deductible of $1,500 per person, $3,000 per Self Plus One enrollment or $3,000 per Self and Family enrollment.

After you meet the deductible, we pay the allowable charge (less your coinsurance or copayment) until you meet the annual catastrophic out-of- pocket maximum.

In-network: After you meet the deductible, you pay the indicated coinsurance or copayments for covered services.

Out-of-network: After you meet the deductible, you pay the indicated coinsurance based on our Plan allowance and any difference between our allowance and the billed amount.

Professional services of physicians

• In physician’s office
• Office medical consultations
• At home
• Second surgical opinion
• Advance care planning

Participating: $40 copay per office visit to a primary care physician; $60 copay per office visit to a specialist (no deductible)

Non-participating: 40% of our plan allowance and any difference between our allowance and the billed amount

• In an urgent care center

Participating: $60 copay (no deductible)

Non-participating: 40% of our plan allowance and any difference between our allowance and the billed amount

• During a hospital stay
• In a skilled nursing facility

Participating: 10% coinsurance

Telemedicine (also known as “telehealth,” "virtual visits" or “video visits”) uses information technology and telecommunications to provide virtual clinical care to patients. Patients can interact with Network Primary/Specialty Care providers through video and app technology by using smartphones, tablets, and laptops.

With Humana's telemedicine benefit delivered by Doctor On Demand, you can:

• Connect with a physician from one of Doctor On Demand’s
  U.S. board-certified doctors
• Immediately see a doctor 24 hours a day, 7 days a week from any location
• Your primary care physician can access your telemedicine visit at your request
• If medically necessary, the telemedicine doctor can send a prescription to a preferred pharmacy

Note: In addition to using Doctor On Demand for telehealth visits, you can talk to other providers to see if they are offering video chat or phone-only visits at normal cost-share.

$40 copay per office visit

Tests, such as:

• Blood tests
• Urinalysis
• Non-routine pap test
• Pathology
• X-ray
• Non-routine mammogram
• Ultrasound
• Electrocardiogram and EEG
• Coronary angiography (Note: See You need prior plan approval for certain services in Section 3)

Participating: 10% coinsurance

Non-participating: 40% of our plan allowance and any difference between our allowance and the billed amount

Other tests:

• Genetic counseling and Genetic testing when medically necessary. (Note: See You need prior plan approval for certain services in Section 3)

Participating: 10% coinsurance

Non-participating: 40% of our plan allowance and any difference between our allowance and the billed amount

Complete maternity (obstetrical) care, such as:

• Prenatal care
• Screening for gestational diabetes
• Delivery
• Postnatal care

Note:  Here are some things to keep in mind:

• You do not need to precertify your vaginal delivery; see page 23 for other circumstances, such as extended stays for you or your baby.
• You may remain in the hospital up to 48 hours after a vaginal delivery and 96 hours after a cesarean delivery. We will extend your inpatient stay for you and/or your baby 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 Plus One or Self and Family enrollment. Surgical benefits, not maternity benefits, apply to circumcision.
• We pay hospitalization and surgeon services for non-maternity care the same as for illness and injury.
• Hospital services are covered under Section 5(c) and Surgical benefits Section 5(b).

Note: When a newborn requires definitive treatment during or after the mother’s confinement, the newborn is considered a patient in their own right. If the newborn is eligible for coverage, regular medical or surgical benefits apply rather than maternity benefits.

Note: We offer HumanaBeginnings. See Special features in Section 5(h).

Participating: Nothing

Non-participating: 40% of our plan allowance and any difference between our allowance and the billed amount

Facility coinsurance and deductible applies to delivery

Breastfeeding support, supplies and counseling for each birth

Participating: Nothing

Non-participating: 40% of our plan allowance and any difference between our allowance and the billed amount

Contraceptive counseling on an annual basis

A range of voluntary family planning services, limited to:

• Surgically implanted contraceptives
• Injectable contraceptive drugs (such as Depo-Provera)
• Intrauterine devices (IUDs)
• Diaphragms
• Tubal ligation

Note: We cover oral contraceptives under the prescription drug benefit.

Participating: Nothing (no deductible)

Non-participating: 40% of our plan allowance and any difference between our allowance and the billed amount

Voluntary sterilization (See Surgical procedures, Section 5(b))

Participating: Nothing (no deductible)

Non-participating: 40% of our plan allowance and any difference between our allowance and the billed amount

Not covered:

• Reversal of voluntary surgical sterilization

Infertility is the condition of an individual who is unable to conceive or produce conception during a period of 1 year if the female is age 35 or younger or during a period of 6 months if the female is over the age of 35. For women without male partners or exposure to sperm, infertility is the inability to conceive after six cycles of artificial insemination or intrauterine insemination performed by a qualified specialist using normal quality donor sperm. These 6 cycles (including donor sperm) are not covered by the plan as a diagnosis of infertility is not established until the cycles have been completed.

Covered benefits including evaluation and treatment:

Females - ovulation evaluation, tubal patency, hormonal evaluation, and cervical factor evaluation.

Males – includes sperm analysis, hormonal analysis, sperm functioning and medical imaging. Treatment would include correction of any defect found in the evaluation of both male and female partners.

Diagnosis and treatment of infertility, such as:

• Artificial insemination:
  • Intravaginal insemination (IVI)
  • Intracervical insemination (ICI)
  • Intrauterine insemination (IUI)
  • Fertility drugs

Note: We cover injectable and oral fertility drugs under the prescription drug benefit (See You need prior plan approval for certain services in Section 3).

Participating: 50% of charges

Non-participating: 40% up to $5,000 limit per plan year, of our plan allowance and any difference between our allowance and the billed amount

Iatrogenic infertility

Some of the requirements for coverage:

• One initial prior authorization request is required for the ongoing treatment of iatrogenic infertility preservation
• Limited to enrollees who have been diagnosed with an impairment of fertility by surgery, including:
  • transgender reassignment surgery
  • radiation
  • chemotherapy
  • other medical treatment affecting reproductive organs or processes 

Note: If an enrollee or family member leaves the Plan, they  will no longer have coverage for iatrogenic infertility preservation and will be responsible for storage and thawing cost. In addition, if an enrollee terminates coverage, the former enrollee is responsible for contacting their new carrier to have preservation services taken over. Humana will align their length of preservation coverage with industry standards which currently states reproductive tissue could be kept for over 10 years and remain viable.

Participating: 50% of charges

Non-participating: 40% up to $5,000 limit per plan year, of our plan allowance and any difference between our allowance and the billed amount

Not covered:

• Assisted reproductive technology (ART) procedures, such as:
  • In vitro fertilization (IVF)
  • Embryo transfer, gamete intra-fallopian transfer (GIFT) and zygote intra-fallopian transfer (ZIFT)
• Services and supplies related to excluded ART procedures
• Cost of donor sperm
• Cost of donor egg

   

Testing and treatment

Participating: $40 copay per office visit to a primary care physician; $60 copay per office visit to a specialist (no deductible when received in physician’s office)

Non-participating: 40% of our plan allowance and any difference between our allowance and the billed amount

Allergy injection

Participating: $5 copay per visit (no deductible)

Allergy serum

Participating: Nothing

Not covered:

• Provocative food testing
• Sublingual allergy desensitization

• Chemotherapy and radiation therapy (Note: See You need prior plan approval for certain services in Section 3)

Note: High dose chemotherapy in association with autologous bone marrow transplants is limited to those transplants listed under Organ/Tissue Transplants on page 49.

Note: Oral chemotherapy medications are covered under the Pharmacy benefit (See Section 5(f) for details).

• Respiratory and inhalation therapy
• Cardiac rehabilitation following qualifying event/condition is provided. No visit limitations apply
• Dialysis – hemodialysis and peritoneal dialysis
• Intravenous (IV)/Infusion Therapy – Home IV and antibiotic therapy (Note: See You need prior plan approval for certain services in Section 3)
• Growth hormone therapy (GHT)

Note: Growth hormone is covered under the prescription drug benefit.

Note: We only cover GHT when we preauthorize the treatment. We will ask you to submit information that establishes that the GHT is medically necessary. Your Plan Physician will ask us to authorize GHT before you begin treatment. We will only cover GHT services and related services and supplies that we determine are medically necessary. See Other services, You need prior Plan approval for certain services on page 21.

Note: Applied Behavior Analysis (ABA) children with Autism Spectrum Disorder is described in Section 5(e).

Participating: 10% coinsurance

Non-participating: 40% of our plan allowance and any difference between our allowance and the billed amount

60 visits per condition per year for the services of each of the following:

• Qualified physical therapists
• Occupational therapists

Note: We only cover therapy when a physician:

• Orders the care
• Identifies the specific professional skills the patient requires and the medical necessity for skilled services; and
• Indicates the length of time the services are needed.

Note: See You need prior plan approval for certain services in Section 3.

Participating: $60 copay per visit to a specialist

Non-participating: 40% of our plan allowance and any difference between our allowance and the billed amount

Not covered:

• Long-term rehabilitative therapy
• Exercise programs

60 visits per condition per year for the service of the following:

• Speech therapists

Note: See You need prior plan approval for certain services in Section 3.

Participating: $60 copay per visit to a specialist

Non-participating: 40% of our plan allowance and any difference between our allowance and the billed amount

• For treatment related to illness or injury, including evaluation and diagnostic hearing tests performed by an M.D., D.O., or audiologist
• Cochlear Implants
  • Note: For benefits for the devices, see Section 5(a) Orthopedic and prosthetic devices

Participating: 10% coinsurance

Note: For routine hearing screening performed during a child's preventive care visit, see Section 5(a) - Preventive care, children.

Participating:  Nothing

Non-participating: 40% of our plan allowance and any difference between our allowance and the billed amount

Not covered:

• Hearing services that are not shown as covered

• Diagnosis and treatment of diseases of the eye

Participating: $40 copay per office visit to a primary care physician; $60 copay per office visit to a specialist (no deductible)

Non-participating: 40% of our plan allowance and any difference between our allowance and the billed amount

• Eye exam to determine the need for vision correction for children through age 17 

Note: See Preventive care, children for eye exams for children.

Participating: Nothing

• One pair of eyeglasses or contact lenses to correct an impairment directly caused by accidental ocular injury or intraocular surgery (such as for cataracts)

Participating: 10% coinsurance

Not covered:

• Eyeglasses or contact lenses except as shown above
• Eye exercises and orthoptics
• Radial keratotomy and other refractive surgery

Routine foot care when you are under active treatment for a metabolic or peripheral vascular disease, such as diabetes. 

Note: See Orthopedic and prosthetic devices for information on podiatric shoe inserts.

Participating: $40 copay per office visit to a primary care physician; $60 copay per office visit to a specialist (no deductible)

Non-participating: 40% of our plan allowance and any difference between our allowance and the billed amount

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)

• Artificial limbs and eyes
• Prosthetic sleeve or sock
• Externally worn breast prostheses and surgical bras, including necessary replacements following a mastectomy
• Corrective orthopedic appliances for non-dental treatment of temporomandibular joint (TMJ) pain dysfunction syndrome.
• Internal prosthetic devices, such as artificial joints, pacemakers, cochlear implants, and surgically implanted breast implant following mastectomy.

Note: For information on the professional charges for the surgery to insert an implant, see Section 5(b) Surgical and Anesthesia services. For information on the hospital and/or ambulatory surgery center benefits, see Section 5(c) Services provided by a hospital or other facility, and ambulance services.

Participating: 10% coinsurance

Not covered:

• Orthopedic and corrective shoes, heel pads and heel cups, corsets, trusses
• Arch supports, foot orthotics except for diabetes and hammer toe
• Elastic stockings, support hose, and other supportive devices not custom made
• Prosthetic replacements except as required by growth or change in medical condition, or in the case where the medically necessary repair exceeds the cost replacement or normal wear and tear renders the device nonfunctional and non-repairable

We cover rental or purchase, of durable medical equipment, at our option, including repair and maintenance of purchased medical equipment.

Covered items include:

• Oxygen
• Dialysis equipment
• Hospital beds
• Wheelchairs
• Crutches
• Walkers
• Insulin pumps and supplies
• Blood glucose monitors
• Communication devices

Note: Communication devices are covered when there has been surgical removal of the larynx or a diagnosis of permanent lack of function of the larynx, additional criteria may need to be met.

Note: Preauthorization is necessary for items over $750. See You need prior plan approval for certain services in Section 3.

Note: Call us at 1-800-4HUMANA as soon as your Plan physician prescribes this equipment. We will arrange with a healthcare provider to rent or sell you durable medical equipment at discounted rates and will tell you more about this service when you call.

Participating: 10% coinsurance

Not covered:

• Equipment such as exercise equipment, air cleaners, heating pads or lights and bed lifts, hearing aids, personnel hygiene equipment
• Communication devices, except after surgical removal of the larynx or a diagnosis of permanent lack of function of the larynx, additional criteria may need to be met.

• Home healthcare ordered by a Plan physician and provided by a registered nurse (R.N.), licensed practical nurse (L.P.N.), licensed vocational nurse (L.V.N.), or home health aide.
• Services include oxygen therapy, intravenous therapy and medications.

Note: See You need prior plan approval for certain services in Section 3.

Participating: 10% coinsurance

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.
• Private duty nurse

• Manipulation of the spine and extremities

Adjunctive procedures such as ultrasound, electrical muscle stimulation, vibratory therapy, and cold pack application

Participating: $60 copay per office visit (no deductible) to a specialist

Non-participating: 40% of our plan allowance and any difference between our allowance and the billed amount

Acupuncture – by a licensed acupuncturist for:

• anesthesia
• pain relief

Participating: $60 copay per office visit (no deductible) to a specialist

Non-participating: 40% of our plan allowance and any difference between our allowance and the billed amount

Not covered:

• Naturopathic services
• Hypnotherapy
• Biofeedback

Coverage is provided for:

• Tobacco Cessation program, including individual/group/telephone counseling, over-the-counter (OTC) and prescription drugs approved by the FDA to treat tobacco dependence

Participating: Nothing for counseling for up to two (2) quit attempts per year with up to four (4) tobacco cessation counseling sessions per quit attempt

Nothing for OTC and prescription drugs approved by the FDA to treat tobacco dependence

Non-participating: 40% of our plan allowance and any difference between our allowance and the billed amount

• Childhood obesity screening programs and treatment interventions

Participating: Nothing

Non-participating: 40% of our plan allowance and any difference between our allowance and the billed amount

• Diabetes self management training

Participating: $40 copay per office visit to a primary care physician; $60 copay per office visit to a specialist (no deductible)

Non-participating: 40% of our plan allowance and any difference between our allowance and the billed amount

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)
• Insertion of internal prosthetic devices. See Section 5(a) - Orthopedic and prosthetic devices for device coverage information
• Treatment of burns
• Voluntary sterilization (e.g., tubal ligation, vasectomy)
• Surgical treatment for morbid obesity (bariatric surgery). Some of the requirements that must be met before surgery can be authorized are:
  • Patient is 18 years of age or older
  • Body Mass Index of >40, or a Body Mass Index of >35 with associated comorbidity such as:
    • Hypertension
    • Type two diabetes
    • Life-threatening cardiopulmonary problems
  • Physician's documentation which indicates that you have had unsuccessful attempt(s) with nonoperative medically supervised weight-reduction program(s)
• Esophagogastroduodenoscopy (EGD)
• Colonoscopy repeat testing

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 Surgery benefits for insertion of the pacemaker.

Participating: 10% coinsurance

Not covered:

• Reversal of voluntary sterilization
• Radial keratotomy and other refractive surgery
• Routine treatment of conditions of the foot: (See Foot care)

• 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 that is a significant deviation from the common form or norm. Examples of congenital anomalies are: protruding ear deformities; cleft lip; cleft palate; birth marks; webbed fingers and toes.
• All stages of breast reconstruction surgery following a mastectomy, such as:
  • Surgery to produce a symmetrical appearance of breasts;
  • 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. 

• Gender Affirming surgery performed to change primary and/or secondary sex characteristics
  • Surgical treatment for gender affirmation is limited to the following: 
  • For female to male surgery: mastectomy, hysterectomy, vaginectomy, salpingo-oophorectomy
  • For male to female surgery: penectomy, orchiectomy

Note: You must be 18 years or older to be considered for genital reconstruction surgery. There are pre-surgical requirements for members considering gender affirming surgery including but not limited to: a documented diagnosis of gender dysphoria, 12 months of hormone therapy as appropriate to the individual gender goals, and referral letters from a mental health specialist.

Participating: 10% coinsurance

Non-participating: 40% of our plan allowance and any difference between our allowance and the billed amount

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 
• Any surgical procedure for gender reassignment not listed above

Oral surgical procedures, limited to:

• Reduction of fractures of the jaws or facial bones;
• Surgical correction of cleft lip, cleft palate or severe functional malocclusion;
• Removal of stones from salivary ducts;
• Excision of leukoplakia or malignancies;
• Excision of cysts and incision of abscesses when done as independent procedures;
• Excision of partially or completely impacted teeth; and
• Other surgical procedures that do not involve the teeth or their supporting structures.

Participating: 10% coinsurance

Non-participating: 40% of our plan allowance and any difference between our allowance and the billed amount

Not covered:

• Dental work related to treatment of temporomandibular joint syndrome (TMJ)
• Oral implants and transplants
• Procedures that involve the teeth or their supporting structures (such as the periodontal membrane, gingiva, and alveolar bone)

These solid organ transplants are covered. Solid organ transplants are limited to:

• Autologous pancreas islet cell transplant (as an adjunct to total or near total pancreatectomy) only for patients with chronic pancreatitis
• Cornea
• Heart
• Heart/lung
• Intestinal transplants
  • Isolated small intestine
  • Small intestine with the liver
  • Small intestine with multiple organs, such as the liver, stomach, and pancreas
• Kidney
• Kidney-pancreas
• Liver
• Lung: single/bilateral/lobar
• Pancreas

Participating: 10% coinsurance

Non-participating: 40% of our plan allowance and any difference between our allowance and the billed amount

Non-participating transplant services do not apply toward the maximum out-of-pocket expense limit.

These tandem blood or marrow stem cell transplants for covered transplants are subject to medical necessity review by the Plan.  Refer to Other services in Section 3 for prior authorization procedures.

• Autologous tandem transplants for
  • AL Amyloidosis
  • Multiple myeloma (de novo and treated)
  • Recurrent germ cell tumors (including testicular cancer)

Participating: 10% coinsurance

Non-participating: 40% of our plan allowance and any difference between our allowance and the billed amount

Non-participating transplant services do not apply toward the maximum out-of-pocket expense limit.

Blood or marrow stem cell transplants

The Plan extends coverage for the diagnoses as indicated below.

• Allogeneic transplants for
• Acute lymphocytic or non-lymphocytic (i.e., myelogenous) leukemia
• Acute myeloid leukemia
• Advanced Hodgkin’s lymphoma with recurrence (relapsed)
• Advanced Myeloproliferative Disorders (MPDs)
• Advanced neuroblastoma
• Advanced non-Hodgkin’s lymphoma with recurrence (relapsed)
• Amyloidosis
• Chronic lymphocytic leukemia/small lymphocytic lymphoma (CLL/SLL)
• Hemoglobinopathy
• Infantile malignant osteopetrosis
• Kostmann’s syndrome
• Leukocyte adhesion deficiencies
• Marrow failure and related disorders (i.e., Fanconi’s, Paroxysmal Nocturnal Hemoglobinuria, Pure Red Cell Aplasia)
• Mucolipidosis (e.g., Gaucher’s disease, metachromatic leukodystrophy, adrenoleukodystrophy)
• Mucopolysaccharidosis (e.g., Hunter’s syndrome, Hurler’s syndrome, Sanfillippo’s syndrome, Maroteaux-Lamy syndrome variants)
• Myelodysplasia/Myelodysplastic syndromes
• Paroxysmal Nocturnal Hemoglobinuria
• Phagocytic/Hemophagocytic deficiency diseases (e.g., Wiskott-Aldrich syndrome)
• Severe combined immunodeficiency
• Severe or very severe aplastic anemia
• Sickle cell anemia
• X-linked lymphoproliferative syndrome

• Autologous transplants for

  • Acute lymphocytic or nonlymphocytic (i.e., myelogenous) leukemia
  • Advanced Hodgkin’s lymphoma with recurrence (relapsed)
  • Advanced non-Hodgkin’s lymphoma with recurrence (relapsed)
  • Amyloidosis
  • Breast Cancer
  • Ependymoblastoma
  • Epithelial ovarian cancer
  • Ewing’s sarcoma
  • Medulloblastoma
  • Multiple myeloma
  • Neuroblastoma
  • Pineoblastoma
  • Testicular, Mediastinal, Retroperitoneal, and Ovarian germ cell tumors

Participating: 10% coinsurance

Non-participating: 40% of our plan allowance and any difference between our allowance and the billed amount

Non-participating transplant services do not apply toward the maximum out-of-pocket expense limit.

Mini-transplants performed in a clinical trial setting (non-myeloablative, reduced intensity conditioning or RIC) for members with a diagnosis listed below are subject to medical necessity review by the Plan. 

Refer to Other services in Section 3 for prior authorization procedures:

• Allogeneic transplants for
• Acute lymphocytic or non-lymphocytic (i.e., myelogenous) leukemia
• Acute myeloid leukemia
• Advanced Hodgkin’s lymphoma with recurrence (relapsed)
• Advanced Myeloproliferative Disorders (MPDs)
• Advanced non-Hodgkin’s lymphoma with recurrence (relapsed)
• Amyloidosis
• Chronic lymphocytic leukemia/small lymphocytic lymphoma (CLL/SLL)
• Hemoglobinopathy
• Marrow failure and related disorders (i.e., Fanconi’s, PNH, Pure Red Cell Aplasia)
• Myelodysplasia/Myelodysplastic syndromes
• Paroxysmal Nocturnal Hemoglobinuria
• Severe combined immunodeficiency
• Severe or very severe aplastic anemia
• Autologous transplants for
  • Acute lymphocytic or nonlymphocytic (i.e., myelogenous) leukemia
  • Advanced Hodgkin’s lymphoma with recurrence (relapsed)
  • Advanced non-Hodgkin’s lymphoma with recurrence (relapsed)
  • Amyloidosis
  • Neuroblastoma

Participating: 10% coinsurance

Non-participating: 40% of our plan allowance and any difference between our allowance and the billed amount

Non-participating transplant services do not apply toward the maximum out-of-pocket expense limit.

These blood or marrow stem cell transplants are covered only in a National Cancer Institute or National Institutes of Health approved clinical trial or a Plan-designated center of excellence if approved by the Plan’s medical director in accordance with the Plan’s protocols. 

If you are a participant in a clinical trial, the Plan will provide benefits for related routine care that is medically necessary (such as doctor visits, lab tests, X-rays and scans, and hospitalization related to treating the patient’s condition) if it is not provided by the clinical trial. Section 9 has additional information on costs related to clinical trials.  We encourage you to contact the Plan to discuss specific services if you participate in a clinical trial.

• Allogeneic transplants for
  • Advanced Hodgkin’s lymphoma
  • Advanced non-Hodgkin’s lymphoma
  • Beta Thalassemia Major
  • Chronic inflammatory demyelination polyneuropathy (CIDP) 
  • Early stage (indolent or non-advanced) small cell lymphocytic lymphoma
  • Multiple myeloma
  • Multiple sclerosis
  • Sickle cell anemia
• Mini-transplants (non-myeloablative allogeneic, reduced intensity conditioning or RIC) for
  • Acute lymphocytic or non-lymphocytic (i.e., myelogenous) leukemia
  • Advanced Hodgkin’s lymphoma
  • Advanced non-Hodgkin’s lymphoma
  • Breast Cancer
  • Chronic lymphocytic leukemia
  • Chronic lymphocytic lymphoma/small lymphocytic lymphoma (CLL/SLL)
  • Chronic myelogenous leukemia
  • Colon Cancer
  • Early stage (indolent or non-advanced) small cell lymphocytic lymphoma
  • Multiple myeloma
  • Multiple sclerosis
  • Myeloproliferative disorders (MPDs)
  • Non-small cell lung Cancer
  • Ovarian Cancer
  • Prostate Cancer
  • Renal cell carcinoma
  • Sarcomas
  • Sickle cell anemia
• Autologous Transplants for
  • Advanced childhood kidney cancers
  • Advanced Ewing sarcoma
  • Advanced Hodgkin’s lymphoma
  • Advanced non-Hodgkin’s lymphoma
  • Aggressive non-Hodgkin’s lymphoma
  • Breast Cancer
  • Childhood rhabdomyosarcoma
  • Chronic lymphocytic lymphoma/small lymphocytic lymphoma (CLL/SLL)
  • Chronic myelogenous leukemia
  • Early stage (indolent or non-advanced) small cell lymphocytic lymphoma
  • Epithelial ovarian Cancer
  • Mantle cell (non-Hodgkin lymphoma)
  • Multiple sclerosis
  • Small cell lung Cancer
  • Systemic lupus erythematosus
  • Systemic sclerosis

Benefits are available for Allogeneic and Autologous blood or marrow stem cell transplants utilizing a phase two or higher protocol.

National Transplant Program (NTP) - All services are determined and authorized through our transplant department, utilizing our National Transplant Network.

Note: We cover related medical and hospital expenses of the donor when we cover the recipient. We cover donor testing for the actual solid organ donor or up to four bone marrow/stem cell transplant donors in addition to the testing of family members.

Participating: 10% coinsurance

Non-participating: 40% of our plan allowance and any difference between our allowance and the billed amount

Non-participating transplant services do not apply toward the maximum out-of-pocket expense limit.

Not covered:

• Donor screening tests and donor search expenses, except as shown above
• Implants of artificial organs
• Transplants not listed as covered

Professional services provided in –

• Hospital (inpatient)
• Hospital outpatient department
• Skilled nursing facility
• Ambulatory surgical center
• Office

Participating: 10% coinsurance

Room and board, such as:

• Ward, semiprivate, or intensive care accommodations
• General nursing care
• Meals and special diets

Note: If you want a private room when it is not medically necessary, you pay the additional charge above the semiprivate room rate.

Other hospital services and supplies, such as:

• Operating, recovery, maternity, and other treatment rooms
• Prescribed drugs and medications
• Diagnostic laboratory tests and X-rays
• 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: calendar year deductible applies)

Participating: 10% coinsurance

Non-participating: 40% of our plan allowance and any difference between our allowance and the billed amount

Not covered:

• Custodial care
• Non-covered facilities, such as nursing homes, schools
• Personal comfort items, such as phone, television, barber services, guest meals and beds
• Blood and blood derivatives if not replaced by the member

• Operating, recovery, and other treatment rooms
• Prescribed drugs and medications
• Diagnostic laboratory tests, X-rays, and pathology services
• Administration of blood, blood plasma, and other biologicals
• Pre-surgical testing
• Dressings, casts, and sterile tray services
• Medical supplies, including oxygen
• Anesthetics and anesthesia service
• Outpatient Hospital Services such as: MRI, MRA, CAT, PET, and SPECT both at a Hospital and Free Standing Facility
• Other outpatient non-surgical care such as mammograms, laboratory tests and X-rays

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.

Participating: 10% coinsurance

Non-participating: 40% of our plan allowance and any difference between our allowance and the billed amount

Not covered: 

• Blood and blood derivatives not replaced by the member.

Extended care benefit:

Up to 60 days per calendar year, including:

• Bed and board
• General nursing care
• Drugs, biologicals, supplies and equipment provided by the facility

Participating: 10% coinsurance

Not covered:

• Custodial care

Supportive and palliative care for a terminally ill member is covered in the home or hospice facility. Includes:

• Inpatient and outpatient services and supplies

Note: These services must be described in a Hospice Care program that has been approved by us.

Participating: 10% coinsurance

Non-participating: 40% of our plan allowance and any difference between our allowance and the billed amount

Not covered:

• Independent nursing; homemaker services

Personal Nurse provides the following end-of-life support:

• Hospice coordination
• Education and support services
• Humana At Home Coordination

Local professional ambulance service when medically appropriate

• Emergency care at a doctor’s office

$40 copay at a primary care physician’s office; $60 copay at a specialist’s office (no deductible)

• Emergency care at an urgent care center

$60 copay (no deductible)

• Emergency care as an outpatient at a hospital, including doctors’ services

Note: We waive the ER copay if you are admitted to the hospital.

$250 copay per visit

Not covered:

• Elective care or non-emergency care

• Emergency care at a doctor’s office

$40 copay at a primary care physician’s office; $60 copay at a specialist’s office (no deductible)

• Emergency care at an urgent care center

$60 copay (no deductible)

• Emergency care as an outpatient at a hospital, including doctors’ services

Note: We waive the ER copay if you are admitted to the hospital.

$250 copay per visit

Not covered:

• Elective care or non-emergency care and follow-up care recommended by non-Plan providers that has not been approved by the Plan or provided by Plan providers
• 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

Telemedicine (also known as “telehealth,” "virtual visits" or “video visits”) uses information technology and telecommunications to provide virtual clinical care to patients. Patients can interact with Network Primary/Specialty Care providers through video and app technology by using smartphones, tablets, and laptops.

With Humana's telemedicine benefit delivered by Doctor On Demand, you can:

• Connect with a physician from one of Doctor On Demand’s U.S. board-certified doctors
• Immediately see a doctor 24 hours a day, 7 days a week from any location
• Your primary care physician can access your telemedicine visit at your request
• If medically necessary, the telemedicine doctor can send a prescription to a preferred pharmacy

Note: In addition to using Doctor On Demand for telehealth visits, you can talk to other providers to see if they are offering video chat or phone-only visits at normal cost-share.

$40 copay per visit

Professional ambulance service when medically appropriate

Note: See Section 5(c) for non-emergency service.

10% coinsurance

Air ambulance

Note: Air ambulance is covered only when point of pick-up is inaccessible by land vehicle; or great distances or other obstacles are involved in getting a patient to the nearest hospital with appropriate facilities when prompt admission is essential.

10% coinsurance

When part of a treatment plan we approve, we cover professional services by licensed professional mental health and substance use disorder treatment practitioners when acting within the scope of their license, such as psychiatrists, psychologists, clinical social workers, licensed professional counselors, or marriage and family therapists.

Your cost-sharing responsibilities are no greater than for other illnesses or conditions; the cost amount may be determined by the place of service.

Diagnosis and treatment of psychiatric conditions, mental illness, or mental disorders.  Services include:

• Diagnostic evaluation
• Crisis intervention and stabilization for acute episodes
• Medication evaluation and management (pharmacotherapy)
• Psychological and neuropsychological testing necessary to determine the appropriate psychiatric treatment
• Treatment and counseling (including individual or group therapy visits)
• Diagnosis and treatment of substance use disorders, including detoxification, treatment and counseling
• Professional charges for intensive outpatient treatment in a provider’s office or other professional setting
• Electroconvulsive therapy

Participating: $40 copay per visit (no deductible) to a primary care physician

Non-participating: 40% of our plan allowance and any difference between our allowance and the billed amount

• Outpatient diagnostic tests provided and billed by a licensed mental health and substance use disorder treatment practitioner
• Outpatient diagnostic tests provided and billed by a laboratory, hospital or other covered facility
• Inpatient diagnostic tests provided and billed by a hospital or other covered facility
• Outpatient services, such as: MRI, MRA, CT, PET, and SPECT
• Other outpatient non-surgical services

Participating: 10% coinsurance

Non-participating: 40% of our plan allowance and any difference between our allowance and the billed amount

Inpatient services provided and billed by a hospital or other covered facility, including residential facilities

• Room and board, such as semiprivate or intensive accommodations, general nursing care, meals and special diets, and other hospital services, including telemedicine

Participating: 10% coinsurance

Non-participating: 40% of our plan allowance and any difference between our allowance and the billed amount

Outpatient services provided and billed by a hospital or other covered facility

• Services in approved treatment programs, such as partial hospitalization or full-day hospitalization

Participating: 10% coinsurance

Non-participating: 40% of our plan allowance and any difference between our allowance and the billed amount

• Facility-based intensive outpatient treatment

Participating: Nothing

Non-participating: 40% of our plan allowance and any difference between our allowance and the billed amount

Telemedicine (also known as “telehealth” or “video visits”) uses information technology and telecommunications to provide virtual clinical care to patients. Patients can interact with providers through video and app technology by using smartphones, tablets, and laptops.

With Humana's telemedicine benefit delivered by Doctor On Demand, you can:

• Connect with a physician from one of Doctor On Demand’s U.S. board-certified doctors
• Immediately see a doctor 24 hours a day, 7 days a week from any location
• Your primary care physician can access your telemedicine visit at your request
• If medically necessary, the telemedicine doctor can send a prescription to a preferred pharmacy

$40 copay per visit (no deductible)

Participating: $40 copay per visit (no deductible) to a primary care physician

Non-participating: 40% of our plan allowance and any difference between our allowance and the billed amount

• Urgent Care
• Physical, Occupational, Speech and Habilitative therapies for Mental Health (Note: See You need prior plan approval for certain services in Section 3)

$40 copay (no deductible) to a primary care physician

Non-participating: 40% of our plan allowance and any difference between our allowance and the billed amount

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 United States require a physician’s prescription for their purchase, except those listed as Not covered.
• Insulin
• Diabetic supplies including testing agents, lancet devices, alcohol swabs, glucose elevating agents, insulin delivery devices, approved blood glucose monitors and disposable needles and syringes for the administration of covered medications
• Self administered injectable drugs
• Oral fertility drugs
• Oral chemo medications
• Growth hormone
• Drugs for sexual dysfunction
• Drugs or drug therapies for the treatment of gender dysphoria supported by FDA approved prescribing information and/or clinical treatment guidelines
• Weight loss drugs

Note: Blood Glucose Monitors are also covered under Durable Medical Equipment. (See Section 5(a), page 42.)

Note: Your cost share for covered orally administered anticancer medications for the treatment of cancer will not exceed $50 per month supply.

Note: Drugs to treat sexual dysfunction are limited. Contact the Plan for dosage limits. You pay the applicable drug copay up to the dosage limits, and all charges after that.

At participating pharmacies:

$10 copay for Level One drugs

$45 copay for Level Two drugs

$65 copay for Level Three drugs

$100 copay for Level Four drugs

25% coinsurance for Level Five drugs (specialty drugs may be limited to a 30-day supply) 

2.5 applicable copays for a 90-day supply of prescribed maintenance drugs when ordered through our mail-order program

At non-participating pharmacies:

40% of charges plus applicable copay

Contraceptive drugs and devices as listed in the ACA/HRSA site. Contraceptive coverage is available at no cost to FEHB members. The contraceptive benefit includes at least one option in all methods of contraception (as well as the screening, education, counseling, and follow-up care). Any contraceptive that is not already available without cost sharing on the formulary can be accessed through the contraceptive exceptions process described below.

• Women's contraceptive drugs and devices, including the "morning after pill"

Note: Not all contraceptives are on the ACA drug list at $0 cost share. Please refer to your Rx5 drug list for the appropriate cost share. Some contraceptives are only available through provider administration. Please refer to Section 5(a) for these services.

• Reimbursement for Over-the-counter contraceptives can be submitted: a prescription from your physician and a receipt from an in-network pharmacy. Standard formulary coverage, tiering (copayments) and utilization management rules will apply.

Nothing

• Tobacco Cessation drugs

Note: The above over-the-counter drugs and devices approved by the FDA require a written prescription by an approved provider. Some restrictions apply.

Nothing

Not covered:

• Drugs and supplies for cosmetic purposes
• Drugs to enhance athletic performance
• Drugs obtained at a non-Plan pharmacy; except for out-of-area emergencies
• Nonprescription medications unless specifically indicated elsewhere

Note: Over-the-counter and appropriate prescription drugs approved by the FDA to treat tobacco dependence are covered under the Tobacco Cessation program benefits. (See page 45.)

All charges

The following are covered:

• Aspirin (81 mg) for men age 45-79 and women age 55-79 and women of childbearing age
• Folic acid supplements for women of childbearing age 400 & 800 mcg
• Prenatal vitamins for pregnant women
• Fluoride tablets, solution (not toothpaste, rinses) for children age 0-6
• Statin Medications for ages 40 years old and older generic forms of atorvastatin, lovastatin and simvastatin
• Breast cancer risk reduction medications for women with increased risk for breast cancer
• Colonoscopy bowel preparation medications for Adults age 50 to 75
• Prevention of Human Immunodeficiency virus (HIV) Infection – Pre Exposure Prophylaxis (HIV PreP)
• Preventive vaccines for children and adults as recommended by the Advisory Committee on Immunization Practices (ACIP)

Note: The drugs and supplements listed above are covered without cost-share, even if over-the-counter, are prescribed by a healthcare professional and filled at a network pharmacy.

Note: Preventive Medications with a USPSTF recommendation of A or B are covered without cost-share when prescribed by a healthcare professional and filled by a network pharmacy. These may include some over-the- counter vitamins, nicotine replacement medications, and low dose aspirin for certain patients. For current
recommendations go to www.uspreventiveservicestaskforce.org/BrowseRec/Index/browse-recommendation

Not covered:

• Drugs available without a prescription, or for which there is a non-prescription equivalent available, except as listed above
• Drugs and supplies for cosmetic purposes (such as Rogaine)
• Vitamins, nutrients and food supplements not listed as a covered benefit even if a physician prescribes or administers them, except as listed above
• Drugs to enhance athletic performance
• Medical supplies such as dressings and antiseptics

Note: Over-the-counter and appropriate prescription drugs approved by the FDA to treat tobacco dependence are covered under the Tobacco Cessation program benefits. (See page 45)

10% coinsurance after deductible

Professional services of physicians

• In physician’s office
• Office medical consultations
• At home
• Second surgical opinion
• Advance care planning

Participating: $50 copay per office visit to a primary care physician; $70 copay per office visit to a specialist (no deductible)

Non-participating: 50% of our plan allowance and any difference between our allowance and the billed amount

Participating: $70 copay (no deductible)

Non-participating: 50% of our plan allowance and any difference between our allowance and the billed amount

• During a hospital stay
• In a skilled nursing facility

Participating: 20% coinsurance

Telemedicine (also known as “telehealth,” "virtual visits" or “video visits”) uses information technology and telecommunications to provide virtual clinical care to patients. Patients can interact with Network Primary/Specialty Care providers through video and app technology by using smartphones, tablets, and laptops.

With Humana's telemedicine benefit delivered by Doctor On Demand, you can:

• Connect with a physician from one of Doctor On Demand’s
  U.S. board-certified doctors
• Immediately see a doctor 24 hours a day, 7 days a week from any location
• Your primary care physician can access your telemedicine visit at your request
• If medically necessary, the telemedicine doctor can send a prescription to a preferred pharmacy

Note: In addition to using Doctor On Demand for telehealth visits, you can talk to other providers to see if they are offering video chat or phone-only visits at normal cost-share.

$50 copay per visit

Tests, such as: 

• Blood tests
• Urinalysis
• Non-routine pap test
• Pathology
• X-ray
• Non-routine mammogram
• Ultrasound
• Electrocardiogram and EEG
• Coronary angiography (Note: See You need prior plan approval for certain services in Section 3)

Participating: 20% coinsurance

Non-participating: 50% of our plan allowance and any difference between our allowance and the billed amount

Other tests:

• Genetic counseling and Genetic testing when medically necessary. (Note: See You need prior plan approval for certain services in Section 3)

Participating: 20% coinsurance

Non-participating: 50% of our plan allowance and any difference between our allowance and the billed amount

Routine physical every year

The following preventive services are covered at the time interval recommended at each of the links below:

• Immunizations such as Pneumococcal, influenza, shingles, tetanus/DTaP, and human papillomavirus (HPV). For a complete list of immunizations go to the Centers for Disease Control (CDC) website at https://www.cdc.gov/vaccines/schedules/
• Screenings such as cancer, osteoporosis, depression, diabetes, high blood pressure, total blood cholesterol, HIV, and colorectal cancer screening. For a complete list of screenings go to the U.S. Preventive Services Task Force (USPSTF) website at
  https://www.uspreventiveservicestaskforce.org
• Individual counseling on prevention and reducing health risks
• Preventive care benefits for women such as Pap smears, gonorrhea prophylactic medication to protect newborns, annual counseling for sexually transmitted infections, contraceptive methods, and screening for interpersonal and domestic violence. For a complete list of preventive care benefits for women please visit the Health and Human Services (HHS) website at
  https://www.healthcare.gov/preventive-care-women/
• To build your personalized list of preventive services go to https://health.gov/myhealthfinder

Participating:  Nothing

Non-participating: 50% of our plan allowance and any difference between our allowance and the billed amount

• Routine mammogram – covered

Participating:  Nothing

Non-participating: 50% of our plan allowance and any difference between our allowance and the billed amount

• Adult immunizations endorsed by the Centers for Disease Control and Prevention (CDC): based on the Advisory Committee on Immunization Practices (ACIP) schedule.

Note: Any procedure, injection, diagnostic service, laboratory, or X-ray service done in conjunction with a routine examination and is not included in the preventive recommended listing of services will be subject to the applicable member copayments, coinsurance, and deductible.

Participating:  Nothing

Non-participating: 50% of our plan allowance and any difference between our allowance and the billed amount

Not covered: 

• Physical exams required for obtaining or continuing employment or insurance, attending schools or camp, athletic exams or travel.
• Immunizations, boosters, and medications for travel or work-related exposure.

• Well-child visits, examinations, and other preventive services as described in the Bright Future Guidelines provided by the American Academy of Pediatrics. For a complete list of the American Academy of Pediatrics Bright Futures Guidelines go to https://brightfutures.aap.org
• Immunizations such as DTaP, Polio, Measles, Mumps, and Rubella (MMR), and Varicella. For a complete list of immunizations go to the Centers for Disease Control (CDC) website at https://www.cdc.gov/vaccines/schedules/index.html
• You can also find a complete list of preventive care services recommended under the U.S. Preventive Services Task Force (USPSTF) online at 
  https://www.uspreventiveservicestaskforce.org \

Note: Any procedure, injection, diagnostic service, laboratory, or X-ray service done in conjunction with a routine examination and is not included in the preventive recommended listing of services will be subject to the applicable member copayments, coinsurance, and deductible.

Participating:  Nothing

Non-participating: 50% of our plan allowance and any difference between our allowance and the billed amount

Complete maternity (obstetrical) care, such as:

• Prenatal care
• Screening for gestational diabetes
• Delivery
• Postnatal care

Participating: Nothing

Non-participating: 50% of our plan allowance and any difference between our allowance and the billed amount

Facility coinsurance and deductible applies to delivery

Breastfeeding support, supplies and counseling for each birth

Note:  Here are some things to keep in mind:

• You do not need to precertify your vaginal delivery; see page 23 for other circumstances, such as extended stays for you or your baby.
• You may remain in the hospital up to 48 hours after a vaginal delivery and 96 hours after a cesarean delivery. We will extend your inpatient stay for you and/or your baby 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 Plus One or Self and Family enrollment. Surgical benefits, not maternity benefits, apply to circumcision.
• We pay hospitalization and surgeon services for non-maternity care the same as for illness and injury.
• Hospital services are covered under Section 5(c) and Surgical benefits Section 5(b).

Note: When a newborn requires definitive treatment during or after the mother’s confinement, the newborn is considered a patient in their own right. If the newborn is eligible for coverage, regular medical or surgical benefits apply rather than maternity benefits.

Note: We offer HumanaBeginnings. See Special features in Section 5(h).

Participating: Nothing

Non-participating: 50% of our plan allowance and any difference between our allowance and the billed amount

A range of voluntary family planning services, limited to:

• Surgically implanted contraceptives
• Injectable contraceptive drugs (such as Depo-Provera)
• Intrauterine devices (IUDs)
• Diaphragms
• Tubal ligation

Note: We cover oral contraceptives under the prescription drug benefit.

Participating: Nothing

Non-participating: 50% of our plan allowance and any difference between our allowance and the billed amount

Voluntary sterilization (See Surgical procedures, Section 5(b))

Participating: Nothing

Non-participating: 50% of our plan allowance and any difference between our allowance and the billed amount

Not covered:

• Reversal of voluntary surgical sterilization

Infertility is the condition of an individual who is unable to conceive or produce conception during a period of 1 year if the female is age 35 or younger or during a period of 6 months if the female is over the age of 35. For women without male partners or exposure to sperm, infertility is the inability to conceive after six cycles of artificial insemination or intrauterine insemination performed by a qualified specialist using normal quality donor sperm. These 6 cycles (including donor sperm) are not covered by the plan as a diagnosis of infertility is not established until the cycles have been completed.

Covered benefits including evaluation and treatment:

Females - ovulation evaluation, tubal patency, hormonal evaluation, and cervical factor evaluation.

Males – includes sperm analysis, hormonal analysis, sperm functioning and medical imaging. Treatment would include correction of any defect found in the evaluation of both male and female partners.

Diagnosis and treatment of infertility, such as:

• Artificial insemination:
  • Intravaginal insemination (IVI)
  • Intracervical insemination (ICI)
  • Intrauterine insemination (IUI)
• Fertility drugs

Note: We cover Injectable and oral fertility drugs under the prescription drug benefit.

Participating: 50% of charges

Non-participating: 50% up to $5,000 limit per plan year, of our plan allowance and any difference between our allowance and the billed amount

Iatrogenic infertility

Some of the requirements for coverage:

• One initial prior authorization request is required for the ongoing treatment of iatrogenic infertility preservation
• Limited to enrollees who have been diagnosed with an impairment of fertility by surgery, including:
  • transgender reassignment surgery
  • radiation
  • chemotherapy
  • other medical treatment affecting reproductive organs or processes 

Note: If an enrollee or family member leaves the Plan, they  will no longer have coverage for iatrogenic infertility preservation and will be responsible for storage and thawing cost. In addition, if an enrollee terminates coverage, the former enrollee is responsible for contacting their new carrier to have preservation services taken over. Humana will align their length of preservation coverage with industry standards which currently states reproductive tissue could be kept for over 10 years and remain viable.

Participating: 50% of charges

Non-participating: 50% up to $5,000 limit per plan year, of our plan allowance and any difference between our allowance and the billed amount

Not covered:

• Assisted reproductive technology (ART) procedures, such as:
  • In vitro fertilization (IVF)
  • Embryo transfer, gamete intra-fallopian transfer (GIFT) and zygote intra-fallopian transfer (ZIFT)
• Services and supplies related to excluded ART procedures
• Cost of donor sperm
• Cost of donor egg

Testing and treatment

Participating: $50 copay per office visit to a primary care physician; $70 copay per office visit to a specialist (no deductible when received in physician’s office)

Non-participating: 50% of our plan allowance and any difference between our allowance and the billed amount

Allergy injection

Participating: $5 copay per visit (no deductible)

Allergy serum

Participating: Nothing

Non-participating: 50% of our plan allowance and any difference between our allowance and the billed amount

Not covered:

• Provocative food testing
• Sublingual allergy desensitization

• Chemotherapy and radiation therapy

Note: High dose chemotherapy in association with autologous bone marrow transplants is limited to those transplants listed under Organ/Tissue Transplants on page 88.

Note: Oral chemotherapy medications are covered under the Pharmacy benefit. (See Section 5(f) for details)

• Respiratory and inhalation therapy
• Cardiac rehabilitation following qualifying event/condition is provided. No visit limitations apply
• Dialysis – hemodialysis and peritoneal dialysis
• Intravenous (IV)/Infusion Therapy – Home IV and antibiotic therapy (Note: See You need prior plan approval for certain services in Section 3)
• Growth hormone therapy (GHT)

Note: Growth hormone is covered under the Prescription Drug benefit.

Note: We only cover GHT when we preauthorize the treatment. We will ask you to submit information that establishes that the GHT is medically necessary. Your Plan Physician will ask us to authorize GHT before you begin treatment. We will only cover GHT services and related services and supplies that we determine are medically necessary. See Other services under You need prior Plan approval for certain services on page 20.

Note: Applied Behavior Analysis (ABA) children with Autism Spectrum Disorder is described in Section 5(e).

Participating: 20% coinsurance

Non-participating: 50% of our plan allowance and any difference between our allowance and the billed amount

60 visits per condition per year for the services of each of the following:

• Qualified physical therapists
• Occupational therapists

Note: We only cover therapy when a physician:

• orders the care
• identifies the specific professional skills the patient requires and the medical necessity for skilled services; and
• indicates the length of time the services are needed.

Participating: $70 copay per visit to a specialist

Non-participating: 50% of our plan allowance and any difference between our allowance and the billed amount

Not covered:

• Long-term rehabilitative therapy
• Exercise programs

60 visits per condition per year for the service of the following:

• Speech therapists

Participating: $70 copay per visit to a specialist

Non-participating: 50% of our plan allowance and any difference between our allowance and the billed amount

• For treatment related to illness or injury, including evaluation and diagnostic hearing tests performed by an M.D., D.O., or audiologist
• Cochlear Implants
  • Note: For benefits for the devices, see Section 5(a) - Orthopedic and prosthetic devices

Participating: 20% coinsurance

• Hearing screening performed during a child's preventive care visit, see Section 5(a) Preventive care, children

Participating:  Nothing

Non-participating: 50% of our plan allowance and any difference between our allowance and the billed amount

Not covered: 

• Hearing services that are not shown as covered

• Diagnosis and treatment of diseases of the eye

Participating: $50 copay per office visit to a primary care physician; $70 copay per office visit to a specialist (no deductible)

Non-participating: 50% of our plan allowance and any difference between our allowance and the billed amount

• Eye exam to determine the need for vision correction for children through age 17

Note: See Preventive care, children for eye exams for children.

Participating: Nothing

• One pair of eyeglasses or contact lenses to correct an impairment directly caused by accidental ocular injury or intraocular surgery (such as for cataracts)

Participating: 20% coinsurance

Not covered:

• Eyeglasses or contact lenses, except as shown above
• Eye exercises and orthoptics
• Radial keratotomy and other refractive surgery

All charges

Routine foot care when you are under active treatment for a metabolic or peripheral vascular disease, such as diabetes. 

Note: See Orthopedic and prosthetic devices for information on podiatric shoe inserts.

Participating: $50 copay per office visit to a primary care physician; $70 copay per office visit to a specialist (no deductible)

Non-participating: 50% of our plan allowance and any difference between our allowance and the billed amount

Not covered:

• Cutting, trimming or removal of corns, calluses, or the free edge of toenails, and similar routine treatment ofconditions 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)

• Artificial limbs and eyes
• Prosthetic sleeve or sock
• Externally worn breast prostheses and surgical bras, including necessary replacements following a mastectomy
• Corrective orthopedic appliances for non-dental treatment of temporomandibular joint (TMJ) pain dysfunction syndrome.
• Internal prosthetic devices, such as artificial joints, pacemakers, and surgically implanted breast implant following mastectomy.

Note: For information on the professional charges for the surgery to insert an implant, see Section 5(b) Surgical procedures. For information on the hospital and/or ambulatory surgery center benefits, see Section 5(c) Services provided by a hospital or other facility, and ambulance services.

Participating: 20% coinsurance

Not covered:

• Orthopedic and corrective shoes, heel pads and heel cups, corsets, trusses
• Arch supports, foot orthotics except for diabetes and hammer toe
• Elastic stockings, support hose, and other supportive devices not custom made
• Prosthetic replacements except as required by growth or change in medical condition, or in the case where the medically necessary repair exceeds the cost replacement or normal wear and tear renders the device nonfunctional and non-repairable

We cover rental or purchase of durable medical equipment, at our option, including repair and adjustment of purchased medical equipment. Covered items include:

• Oxygen
• Dialysis equipment
• Hospital beds
• Wheelchairs
• Crutches
• Walkers
• Insulin pumps and supplies
• Blood glucose monitors
• Communication devices

Note: Communication devices are covered when there has been surgical removal of the larynx or a diagnosis of permanent lack of function of the larynx, additional criteria may need to be met.

Note: Preauthorization is necessary for items over $750. See You need prior plan approval for certain services in Section 3.

Note: Call customer service at 1-800-4HUMANA as soon as your Plan physician prescribes this equipment. We will arrange with a healthcare provider to rent or sell you durable medical equipment at discounted rates and will tell you more about this service when you call.

Participating: 20% coinsurance

Not covered:

• Equipment such as exercise equipment, air cleaners, heating pads or lights and bed lifts, hearing aids, personnel hygiene equipment
• Communication devices, except after surgical removal of the larynx or a diagnosis of permanent lack of function of the larynx, additional criteria may need to be met.

• Home healthcare ordered by a Plan physician and provided by a registered nurse (R.N.), licensed practical nurse (L.P.N.), licensed vocational nurse (L.V.N.), or home health aide.
• Services include oxygen therapy, intravenous therapy and medications.

Participating: 20% coinsurance

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.
• Private duty nurse

• Manipulation of the spine and extremities

Adjunctive procedures such as ultrasound, electrical muscle stimulation, vibratory therapy, and cold pack application

Participating: $70 copay per office visit (no deductible) to a specialist

Non-participating: 50% of our plan allowance and any difference between our allowance and the billed amount

Acupuncture – by a licensed acupuncturist for:

• anesthesia
• pain relief

Participating: $70 copay per office visit (no deductible) to a specialist

Non-participating: 50% of our plan allowance and any difference between our allowance and the billed amount

Not covered:

• Naturopathic services
• Hypnotherapy
• Biofeedback

Coverage is provided for:

• Tobacco Cessation program, including individual/group/telephone counseling, over-the-counter (OTC) and prescription drugs approved by the FDA to treat tobacco dependence

Participating: Nothing

Nothing for counseling for up to two (2) quit attempts per year with up to four (4) tobacco cessation counseling sessions per quit attempt

Nothing for OTC and prescription drugs approved by the FDA to treat tobacco dependence

Non-participating: 50% of our plan allowance and any difference between our allowance and the billed amount

• Childhood obesity screening programs and treatment interventions

Participating: Nothing

Non-participating: 50% of our plan allowance and any difference between our allowance and the billed amount

• Diabetes self management training

Participating: $50 copay per office visit to a primary care physician; $70 copay per office visit to a specialist (no deductible)

Non-participating: 50% of our plan allowance and any difference between our allowance and the billed amount

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)
• Insertion of internal prosthetic devices. See Section 5(a) Orthopedic and prosthetic devices for device coverage information
• Treatment of burns
• Voluntary sterilization (e.g., tubal ligation, vasectomy)
• Surgical treatment for morbid obesity (bariatric surgery). Some of the requirements that must be met before surgery can be authorized are:
  • Patient is 18 years of age or older
  • Body Mass Index of >40, or a Body Mass Index of >35 with associated comorbidity such as:
    • Hypertension
    • Type two diabetes
    • Life-threatening cardiopulmonary problems
  • Physician's documentation which indicates that you have had unsuccessful attempt(s) with nonoperative medically supervised weight-reduction program(s)
• Esophagogastroduodenoscopy (EGD)
• Colonoscopy repeat testing

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 Surgery benefits for insertion of the pacemaker.

Participating: 20% coinsurance

Not covered:

• Reversal of voluntary sterilization
• Radial keratotomy and other refractive surgery
• Routine treatment of conditions of the foot (See 5(a) Foot Care)

• 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 that is a significant deviation from the common form or norm. Examples of congenital anomalies are: protruding ear deformities; cleft lip; cleft palate; birth marks; webbed fingers and webbed toes.
• All stages of breast reconstruction surgery following a mastectomy, such as:
  • Surgery to produce a symmetrical appearance of breasts;
  • 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. 

• Gender Affirming Surgery performed to change primary and/or secondary sex characteristics
• Surgical treatment for gender affirmation is limited to the following: 
  • For female to male surgery: mastectomy, hysterectomy, vaginectomy, salpingo-oophorectomy
  • For male to female surgery: penectomy, orchiectomy

Note: You must be 18 years or older to be considered for genital reconstruction surgery. There are pre-surgical requirements for members considering gender affirming surgery including but not limited to: a documented diagnosis of gender dysphoria, 12 months of hormone therapy as appropriate to the individual gender goals, and referral letters from a mental health specialist.

Participating: 20% coinsurance

Non-participating: 50% of our plan allowance and any difference between our allowance and the billed amount

 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
• Any surgical procedure for gender reassignment not listed above

Oral surgical procedures, limited to:

• Reduction of fractures of the jaws or facial bones;
• Surgical correction of cleft lip, cleft palate or severe functional malocclusion;
• Removal of stones from salivary ducts;
• Excision of leukoplakia or malignancies;
• Excision of cysts and incision of abscesses when done as independent procedures;
• Excision of partially or completely impacted teeth; and
• Other surgical procedures that do not involve the teeth or their supporting structures.

Participating: 20% coinsurance

Non-participating: 50% of our plan allowance and any difference between our allowance and the billed amount

Not covered:

• Dental work related to treatment of temporomandibular joint syndrome (TMJ)
• Oral implants and transplants
• Procedures that involve the teeth or their supporting structures (such as the periodontal membrane, gingiva, and alveolar bone)

These solid organ transplants are covered. Solid organ transplants are limited to:

• Autologous pancreas islet cell transplant (as an adjunct to total or near total pancreatectomy) only for patients with chronic pancreatitis
• Cornea
• Heart
• Heart/lung
• Intestinal transplants
  • Isolated small intestine
  • Small intestine with the liver
  • Small intestine with multiple organs, such as the liver, stomach, and pancreas
• Kidney
• Kidney-pancreas
• Liver
• Lung: single/bilateral/lobar
• Pancreas

Participating: 20% coinsurance

Non-participating: 50% of our plan allowance and any difference between our allowance and the billed amount

Non-participating transplant services do not apply toward the maximum out-of-pocket expense limit.

These tandem blood or marrow stem cell transplants for covered transplants are subject to medical necessity review by the Plan. Refer to Other services in Section 3 for prior authorization procedures.

• Autologous tandem transplants for
  • AL Amyloidosis
  • Multiple myeloma (de novo and treated)
  • Recurrent germ cell tumors (including testicular cancer)

Participating: 20% coinsurance

Non-participating: 50% of our plan allowance and any difference between our allowance and the billed amount

Non-participating transplant services do not apply toward the maximum out-of-pocket expense limit.

Blood or marrow stem cell transplants

The Plan extends coverage for the diagnoses as indicated below.

• Allogeneic transplants for
  • Acute lymphocytic or non-lymphocytic (i.e., myelogenous) leukemia
  • Acute myeloid leukemia
  • Advanced Hodgkin’s lymphoma with recurrence (relapsed)
  • Advanced Myeloproliferative Disorders (MPDs)
  • Advanced neuroblastoma
  • Advanced non-Hodgkin’s lymphoma with recurrence (relapsed)
  • Amyloidosis
  • Chronic lymphocytic leukemia/small lymphocytic lymphoma (CLL/SLL)
  • Hemoglobinopathy
  • Infantile malignant osteopetrosis
  • Kostmann’s syndrome
  • Leukocyte adhesion deficiencies
  • Marrow failure and related disorders (i.e., Fanconi’s, Paroxysmal Nocuturnal Hemoglobinuria, Pure Red Cell Aplasia)
  • Mucolipidosis (e.g., Gaucher’s disease, metachromatic leukodystrophy, adrenoleukodystrophy)
  • Mucopolysaccharidosis (e.g., Hunter’s syndrome, Hurler’s syndrome, Sanfillippo’s syndrome, Maroteaux-Lamy syndrome variants)
  • Myelodysplasia/Myelodysplastic syndromes
  • Paroxysmal Nocturnal Hemoglobinuria
  • Phagocytic/Hemophagocytic deficiency diseases (e.g., Wiskott-Aldrich syndrome)
  • Severe combined immunodeficiency
  • Severe or very severe aplastic anemia
  • Sickle cell anemia
  • X-linked lymphoproliferative syndrome
• Autologous transplants for
  • Acute lymphocytic or nonlymphocytic (i.e., myelogenous) leukemia
  • Advanced Hodgkin’s lymphoma with recurrence (relapsed)
  • Advanced non-Hodgkin’s lymphoma with recurrence (relapsed)
  • Amyloidosis
  • Breast Cancer
  • Ependymoblastoma
  • Epithelial ovarian cancer
  • Ewing’s sarcoma
  • Medulloblastoma
  • Multiple myeloma
  • Neuroblastoma
  • Pineoblastoma
  • Testicular, Mediastinal, Retroperitoneal, and Ovarian germ cell tumors

Participating: 20% coinsurance

Non-participating: 50% of our plan allowance and any difference between our allowance and the billed amount

Non-participating transplant services do not apply toward the maximum out-of-pocket expense limit.

Mini-transplants performed in a clinical trial setting (non-myeloablative, reduced intensity conditioning or RIC) for members with a diagnosis listed below are subject to medical necessity review by the Plan. 

Refer to Other services in Section 3 for prior authorization procedures:

• Allogeneic transplants for
  • Acute lymphocytic or non-lymphocytic (i.e., myelogenous) leukemia
  • Advanced Hodgkin’s lymphoma with recurrence (relapsed)
  • Advanced non-Hodgkin’s lymphoma with recurrence (relapsed)
  • Acute myeloid leukemia
  • Advanced Myeloproliferative Disorders (MPDs)
  • Amyloidosis
  • Chronic lymphocytic leukemia/small lymphocytic lymphoma (CLL/SLL)
  • Hemoglobinopathy
  • Marrow failure and related disorders (i.e., Fanconi’s, Paroxysmal Nocuturnal Hemoglobinuria, Pure Red Cell Aplasia)
  • Myelodysplasia/Myelodysplastic syndromes
  • Paroxysmal Nocturnal Hemoglobinuria
  • Severe combined immunodeficiency
  • Severe or very severe aplastic anemia
• Autologous transplants for
  • Acute lymphocytic or nonlymphocytic (i.e., myelogenous) leukemia
  • Advanced Hodgkin’s lymphoma with recurrence (relapsed)
  • Advanced non-Hodgkin’s lymphoma with recurrence (relapsed)
  • Amyloidosis
  • Neuroblastoma

Participating: 20% coinsurance

Non-participating: 50% of our plan allowance and any difference between our allowance and the billed amount

Non-participating transplant services do not apply toward the maximum out-of-pocket expense limit.

These blood or marrow stem cell transplants are covered only in a National Cancer Institute or National Institutes of Health approved clinical trial or a Plan-designated center of excellence if approved by the Plan's medical director in accordance with the Plan's protocol. 

If you are a participant in a clinical trial, the Plan will provide benefits for related routine care that is medically necessary (such as doctor visits, lab tests, X-rays and scans, and hospitalization related to treating the patient’s condition) if it is not provided by the clinical trial. Section 9 has additional information on costs related to clinical trials.  We encourage you to contact the Plan to discuss specific services if you participate in a clinical trial.

• Allogeneic transplants for
  • Advanced Hodgkin’s lymphoma
  • Advanced non-Hodgkin’s lymphoma
  • Beta Thalassemia Major
  • Chronic inflammatory demyelination polyneuropathy (CIDP) 
  • Early stage (indolent or non-advanced) small cell lymphocytic lymphoma
  • Multiple myeloma
  • Multiple sclerosis
  • Sickle cell anemia
• Mini-transplants (non-myeloablative allogeneic, reduced intensity conditioning or RIC) for
  • Acute lymphocytic or non-lymphocytic (i.e., myelogenous) leukemia
  • Advanced Hodgkin’s lymphoma
  • Advanced non-Hodgkin’s lymphoma
  • Breast Cancer
  • Chronic lymphocytic leukemia
  • Chronic lymphocytic lymphoma/small lymphocytic lymphoma (CLL/SLL)
  • Chronic myelogenous leukemia
  • Colon Cancer
  • Early stage (indolent or non-advanced) small cell lymphocytic lymphoma
  • Multiple myeloma
  • Multiple sclerosis
  • Myelodysplasia/Myelodysplastic Syndromes
  • Myeloproliferative disorders (MPDs)
  • Non-small cell lung Cancer
  • Ovarian Cancer
  • Prostate Cancer
  • Renal cell carcinoma
  • Sarcomas
  • Sickle cell anemia
• Autologous Transplants for
  • Advanced childhood kidney Cancers
  • Advanced Ewing sarcoma
  • Advanced Hodgkin’s lymphoma
  • Advanced non-Hodgkin’s lymphoma
  • Aggressive non-Hodgkin’s lymphoma
  • Breast Cancer
  • Childhood rhabdomyosarcoma
  • Chronic lymphocytic lymphoma/small lymphocytic lymphoma (CLL/SLL)
  • Chronic myelogenous leukemia
  • Early stage (indolent or non-advanced) small cell lymphocytic lymphoma
  • Epithelial ovarian Cancer
  • Mantle cell (non-Hodgkin lymphoma)
  • Multiple sclerosis
  • Small cell lung Cancer
  • Systemic lupus erythematosus
  • Systemic sclerosis

Benefits are available for Allogeneic and Autologous blood or marrow stem cell transplants utilizing a phase two or higher protocol.

National Transplant Program (NTP) - all services are determined and authorized through our transplant department, utilizing our National Transplant Network.

Note: We cover related medical and hospital expenses of the donor when we cover the recipient. We cover donor testing for the actual solid organ donor or up to four bone marrow/stem cell transplant donors in addition to the testing of family members.

Participating: 20% coinsurance

Non-participating: 50% of our plan allowance and any difference between our allowance and the billed amount

Non-participating transplant services do not apply toward the maximum out-of-pocket expense limit.

Not covered:

• Donor screening tests and donor search expenses, except as shown above
• Implants of artificial organs
• Transplants not listed as covered

Professional services provided in –

• Hospital (inpatient)
• Hospital outpatient department
• Skilled nursing facility
• Ambulatory surgical center
• Office

Participating: 20% coinsurance

Room and board, such as

• Ward, semiprivate, or intensive care accommodations
• General nursing care
• Meals and special diets

Note: If you want a private room when it is not medically necessary, you pay the additional charge above the semiprivate room rate. 

Other hospital services and supplies, such as:

• Operating, recovery, maternity, and other treatment rooms
• Prescribed drugs and medications
• Diagnostic laboratory tests and X-rays
• 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.

Participating: 20% coinsurance

Non-participating: 50% of our plan allowance and any difference between our allowance and the billed amount

Not covered:

• Custodial care
• Non-covered facilities, such as nursing homes, schools
• Personal comfort items, such as phone, television, barber services, guest meals and beds
• Blood and blood derivatives not replaced by the member
• Private nursing care

• Operating, recovery, and other treatment rooms
• Prescribed drugs and medications
• Diagnostic laboratory tests, X-rays, and pathology services
• Administration of blood, blood plasma, and other biologicals
• Pre-surgical testing
• Dressings, casts, and sterile tray services
• Medical supplies, including oxygen
• Anesthetics and anesthesia service
• Outpatient Hospital Services such as: MRI, MRA, CAT, PET, and SPECT both at a Hospital and Free Standing Facility
• Other outpatient non-surgical care such as mammograms, laboratory tests and X-rays

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.

Participating: 20% coinsurance

Non-participating: 50% of our plan allowance and any difference between our allowance and the billed amount

Not covered: 

• Blood and Blood derivatives not replaced by the member.

Extended care benefit:

Up to 60 days per calendar year, including:

• Bed and board
• General nursing care
• Drugs, biologicals, supplies and equipment provided by the facility

Participating: 20% coinsurance

Not covered: 

• Custodial care

Supportive and palliative care for a terminally ill member is covered in the home or hospice facility. Includes:

• Inpatient and outpatient services and supplies

Note: These services must be described in a Hospice Care program that has been approved by us.

Participating: 20% coinsurance

Non-participating: 50% of our plan allowance and any difference between our allowance and the billed amount

Not covered: 

• Independent nursing, homemaker services

Personal Nurse provides the following end-of-life support:

• Hospice coordination
• Education and support services
• Humana At Home Coordination

Local professional ambulance service when medically appropriate

• Emergency care at a doctor’s office

$50 copay at a primary care physician’s office; $70 copay at a specialist’s office (no deductible)

• Emergency care at an urgent care center

$70 copay (no deductible)

• Emergency care as an outpatient at a hospital, including doctors’ services

Note: We waive the ER copay if you are admitted to the hospital.

$350 copay per visit

Not covered:

• Elective care or non-emergency care

• Emergency care at a doctor’s office

$50 copay at a primary care physician’s office; $70 copay at a specialist’s office (no deductible)

• Emergency care at an urgent care center

$70 copay (no deductible)

• Emergency care as an outpatient at a hospital, including doctors’ services

Note: We waive the ER copay if you are admitted to the hospital.

$350 copay per visit

Not covered:

• Elective care or non-emergency care and follow-up care recommended by non-Plan providers that has not been approved by the Plan or provided by Plan providers
• 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

Telemedicine (also known as “telehealth,” "virtual visits" or “video visits”) uses information technology and telecommunications to provide virtual clinical care to patients. Patients can interact with Network Primary/Specialty Care providers through video and app technology by using smartphones, tablets, and laptops.

With Humana's telemedicine benefit delivered by Doctor On Demand, you can:

• Connect with a physician from one of Doctor On Demand’s U.S. board-certified doctors
• Immediately see a doctor 24 hours a day, 7 days a week from any location
• Your primary care physician can access your telemedicine visit at your request
• If medically necessary, the telemedicine doctor can send a prescription to a preferred pharmacy

Note: In addition to using Doctor On Demand for telehealth visits, you can talk to other providers to see if they are offering video chat or phone-only visits at normal cost-share.

$50 copay per visit 

Professional ambulance service when medically appropriate

Note: See Section 5(c) for non-emergency service.

Air ambulance

Note: Air ambulance is covered only when point of pick-up is inaccessible by land vehicle; or great distances or other obstacles are involved in getting a patient to the nearest hospital with appropriate facilities when prompt admission is essential.

20% coinsurance

When part of a treatment plan we approve, we cover professional services by licensed professional mental health and substance use disorder treatment practitioners when acting within the scope of their license, such as psychiatrists, psychologists, clinical social workers, licensed professional counselors, or marriage and family therapists.

Your cost-sharing responsibilities are no greater than for other illnesses or conditions: the cost amount may be determined by the place of service.

Diagnosis and treatment of psychiatric conditions, mental illness, or mental disorders. Services include:

• Diagnostic evaluation
• Crisis intervention and stabilization for acute episodes
• Medication evaluation and management  (pharmacotherapy)
• Psychological and neuropsychological testing necessary to determine the appropriate psychiatric treatment
• Treatment and counseling (including individual or group therapy visits)
• Diagnosis and treatment of substance use disorders, including detoxification, treatment and counseling
• Professional charges for intensive outpatient treatment in a provider’s office or other professional setting
• Electroconvulsive therapy

Participating: $50 copay per visit (no deductible) to a primary care physician

Non-participating: 50% of our plan allowance and any difference between our allowance and the billed amount

• Outpatient diagnostic tests provided and billed by a licensed mental health and substance use disorder treatment practitioner
• Outpatient diagnostic tests provided and billed by a laboratory, hospital or other covered facility
• Inpatient diagnostic tests provided and billed by a hospital or other covered facility
• Outpatient services, such as: MRI, MRA, CT, PET, and SPECT
• Other outpatient non-surgical services

Participating: 20% coinsurance

Non-participating: 50% of our plan allowance and any difference between our allowance and the billed amount

Inpatient services provided and billed by a hospital or other covered facility, including residential facilities

• Room and board, such as semiprivate or intensive accommodations, general nursing care, meals and special diets, and other hospital services, including telemedicine

Participating: 20% coinsurance

Non-participating: 50% of our plan allowance and any difference between our allowance and the billed amount

Outpatient services provided and billed by a hospital or other covered facility

• Services in approved treatment programs, such as partial hospitalization or full-day hospitalization

Participating: 20% coinsurance

Non-participating: 50% of our plan allowance and any difference between our allowance and the billed amount

• Facility-based intensive outpatient treatment

Participating: Nothing

Non-participating: 50% of our plan allowance and any difference between our allowance and the billed amount

Telemedicine (also known as “telehealth” or “video visits”) uses information technology and telecommunications to provide virtual clinical care to patients. Patients can interact with providers through video and app technology by using smartphones, tablets, and laptops.

With Humana's telemedicine benefit delivered by Doctor On Demand, you can:

• Connect with a physician from one of Doctor On Demand’s U.S. board-certified doctors
• Immediately see a doctor 24 hours a day, 7 days a week from any location
• Your primary care physician can access your telemedicine visit at your request
• If medically necessary, the telemedicine doctor can send a prescription to a preferred pharmacy

$50 copay per visit (no deductible)

Participating: $50 copay per visit (no deductible) to a primary care physician

Non-participating: 50% of our plan allowance and any difference between our allowance and the billed amount

• Urgent Care
• Physical, Occupational, Speech and Habilitative therapies for Mental Health

Participating: $50 copay (no deductible) to a primary care physician

Non-Participating: 50% of our plan allowance and any difference between our allowance and the billed amount

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 United States require a physician’s prescription for their purchase, except those listed as Not covered.
• Insulin
• Diabetic supplies including testing agents, lancet devices, alcohol swabs, glucose elevating agents, insulin delivery devices and approved blood glucose monitors and disposable needles and syringes for the administration of covered medications
• Self administered injectable drugs
• Oral fertility drugs
• Oral chemo medications
• Growth hormone
• Drugs for sexual dysfunction
• Drugs or drug therapies for the treatment of gender dysphoria supported by FDA approved prescribing information and/or clinical treatment guidelines
• Weight loss drugs

Note: Blood Glucose Monitors are also covered under Durable Medical Equipment. (See Section 5(a), page 82.)

Note: Your cost share for covered orally administered anticancer medications for the treatment of cancer will not exceed $50 per month supply.

Note: Drugs to treat sexual dysfunction are limited. Contact the Plan for dosage limits. You pay the applicable drug copay up to the dosage limits, and all charges after that.

At participating pharmacies:

$10 copay for Level One drugs

$45 copay for Level Two drugs

$65 copay for Level Three drugs

$100 copay for Level Four drugs

25% coinsurance for Level Five drugs (specialty drugs may be limited to a 30-day supply) 

2.5 applicable copays for a 90-day supply of prescribed maintenance drugs when ordered through our mail-order program

At non-participating pharmacies:

50% of charges plus applicable copay

Contraceptive drugs and devices as listed in the ACA/HRSA site. Contraceptive coverage is available at no cost to FEHB members. The contraceptive benefit includes at least one option in all methods of contraception (as well as the screening, education, counseling, and follow-up care). Any contraceptive that is not already available without cost sharing on the formulary can be accessed through the contraceptive exceptions process described below.

• Women's contraceptive drugs and devices, including the "morning after pill"

Note: Not all contraceptives are on the ACA drug list at $0 cost share. Please refer to your Rx5 drug list for the appropriate cost share. Some contraceptives are only available through provider administration. Please refer to Section 5(a) for these services.

• Reimbursement for Over-the-counter contraceptives can be submitted: a prescription from your physician and a receipt from an in-network pharmacy. Standard formulary coverage, tiering (copayments) and utilization management rules will apply.

Nothing

• Tobacco Cessation drugs

Note: The above over-the-counter drugs and devices approved by the FDA require a written prescription by an approved provider. Some restrictions apply.

Nothing

Not covered:

• Drugs and supplies for cosmetic purposes
• Drugs to enhance athletic performance
• Drugs obtained at a non-Plan pharmacy; except for out-of-area emergencies
• Nonprescription medications unless specifically indicated elsewhere

Note: Over-the-counter and appropriate prescription drugs approved by the FDA to treat tobacco dependence are covered under the Tobacco Cessation program benefits. (See page 83.)

All charges

The following are covered:

• Aspirin (81 mg) for men age 45-79 and women age 55-79 and women of childbearing age
• Folic acid supplements for women of childbearing age 400 & 800 mcg
• Prenatal vitamins for pregnant women
• Fluoride tablets, solution ( not toothpaste, rinses) for children age 0-6
• Statin Medications for ages 40 years old or older: generic forms of atorvastatin, lovastatin and simvastatin
• Breast cancer risk reduction medications for women with increased risk for breast cancer
• Colonoscopy bowel preparation medications for Adults age 50 to 75
• Prevention of Human Immunodeficiency virus (HIV) Infection – Pre Exposure Prophylaxis (HIV PreP)
• Preventive vaccines for children and adults as recommended by the Advisory Committee on Immunization Practices (ACIP)

Note: The drugs and supplements listed above are covered without cost-share, even if over-the-counter, are prescribed by a healthcare professional and filled at a network pharmacy.

Note: Preventive Medications with a USPSTF recommendation of A or B are covered without cost-share when prescribed by a healthcare professional and filled by a network pharmacy. These may include some over-the- counter vitamins, nicotine replacement medications, and low dose aspirin for certain patients. For current recommendations go to www.uspreventiveservicestaskforce.org/BrowseRec/Index/browse-recommendation

Not covered:

• Drugs available without a prescription, or for which there is a non-prescription equivalent available, except as listed above
• Drugs and supplies for cosmetic purposes (such as Rogaine)
• Vitamins, nutrients and food supplements not listed as a covered benefit even if a physician prescribes or administers them, except as listed above
• Drugs to enhance athletic performance
• Medical supplies such as dressings and antiseptics

Note: Over-the-counter and appropriate prescription drugs approved by the FDA to treat tobacco dependence are covered under the Tobacco Cessation program benefits. (See page 83.)

All charges

Under the flexible benefits option: we determine the most effective way to provide services.

• We may identify medically appropriate alternatives to regular contract benefits as a less costly alternative. If we identify a less costly alternative, we will ask you to sign an alternative benefit agreement that will include all of the following terms in addition to other terms as necessary. Until you sign and return the agreement regular contract benefits will continue.
• Alternative benefits will be made available for a limited time period and are subject to our ongoing review. You must cooperate with the review process.
• By approving an alternative benefit, we do not guarantee you will get it in the future.
• The decision to offer an alternative benefit is solely ours, and except as expressly provided in the agreement, we may withdraw it at any time and resume regular contract benefits.
• If you sign the agreement, we will provide the agreed-upon alternative benefits for the stated time period (unless circumstances change). You may request an extension of the time period, but regular contract benefits will resume if we do not approve your request.
• Our decision to offer or withdraw alternative benefits is not subject to OPM review under the disputed claims process. However, if at the time we make a decision regarding alternative benefits, we also decide that regular contract benefits are not payable, then you may dispute our regular contract benefits decision under the OPM disputed claim process (see Section 8).

Health Assessment:

Members can benefit from completing an Health Assessment annually and using the information to guide their personal health goals; Health Assessments ask about your medical history, health status, and lifestyle to identify health risks and opportunities to improve health behavior.

Biometric Screenings:

A biometric screening is easy to complete and gives you this true picture of your health. You’ll not only know your numbers, but you’ll be able to understand them, so you can take charge of your health. It’s an empowering way towards living happier and healthier…and being your best.

For more information, visit our website, https://feds.humana.com/.

Once you've taken your Health Assessment, check out MyHumana for resources and information to help you improve your overall health.  You'll also find shop-and-compare tools to help you choose hospitals and doctors, as well as health encyclopedias and practical information about health conditions, prescription drugs, and other health issues. The site also has video and audio health libraries, discounts and coupons for health-related programs.

You may receive messages by telephone, mail or e-mail on topics such as mammograms, immunizations, and more.

Humana Pharmacy, a prescription home delivery service, is a wholly owned subsidiary of Humana that gives members convenience, savings, guidance, and excellent Customer Service. Humana Pharmacy is a fast and easy alternative to retail pharmacies. Depending on your location and benefits, you may be able to use Humana Pharmacy.

Programs that focus on: asthma, cancer, chronic obstructive pulmonary disease, congestive heart failure, coronary artery disease, diabetes, depression, chronic kidney disease, end-stage renal disease, cystic fibrosis, hypertension, mental illness, multiple sclerosis, Parkinson's disease, and other conditions.

Humana offers telecommunication devices for the deaf (TDD) and Teletype (TTY) phone lines for the hearing impaired. Call 1-800-432-7482 to access the service.

Humana’s Health Coaching offers you personalized action plans and assistance from certified health coaches. Your health coaches are specially trained experts who will educate, motivate, and support you to address: Weight management, Physical activity, Back care, Nutrition, Stress management, and Tobacco Cessation. With Humana’s health coaching model, our virtual well-being coaching partners offer digital programs that are available 24 hours a day, seven days a week throughout the year. Find out more under “Wellness” in the Health & Wellness section on www.MyHumana.com.

Life, relationships, work, money, legal, family and everyday issues, all can be challenging. Sometimes you need help and guidance to come up with the answers and practical solutions. Your Employee Assistance (EAP) and Work-Life Program is here for you and your family – any day, anytime, as often as you need it. Best of all, this is a completely confidential service at no cost to you. Find out more at login.lifeworks.com or by calling 1-844-261-3286.

Members will receive a 50% discount off every Nutrisystem plan, seven free high-protein shakes, and free shipping on all orders. To get started, sign in to Humana.com/LifestyleDiscounts and select the link to Nutrisystem. If you prefer, call Nutrisystem at 1-866-430-8647.

With nearly 600 locations nationwide, members may choose any in-network provider and receive these discounts: 15% off standard prices or 5% off promotional prices. Extra member value: Special set prices, free Lasik exam, affordable financing options, multiple technologies, 100% bladeless procedures, free enhancements for life on most procedures. To get started, sign in to Humana.com/LifestyleDiscounts and select the link to Lasik. If you prefer, call 1-855-645-2020.

Humana teamed up with ProSmileUSATM to offer up to 70% off teeth whitening. ProSmileUSA specializes in Hi-IntensityTM, competitive strength, professional teeth bleaching. To order a teeth whitening kit, sign in to Humana.com/LifestyleDiscounts and select the link to ProSmileUSA.

Protect yourself with identity monitoring and protection services provided by CyberScout®. This benefit provides expert support to help detect fraud, monitor credit activity, and resolve any identity-related issues. To get started or to review a complete list of services and savings, sign in to Humana.com/LifestyleDiscounts and select CyberScout (MyIDManager.com/LifestyleDiscounts).

You’ll get on-the-spot discounts of up to 30% when you receive services from the WholeHealth Network providers. Choose from: Chiropractic, Massage therapy, Acupuncture. It’s easy to get your savings from more than 37,000 WholeHealth Network providers. To get started, sign in to Humana.com/LifestyleDiscounts. To find a provider in your area, visit the WholeHealth Choices website at Humana.wholehealthmd.com. If you prefer, call WholeHealth at 1-866-430-8647.

Humana provides you access to the TruHearing® program, which may save you 30%–60% on hearing aids. TruHearing provides hearing solutions for virtually every type of hearing loss, care from a local professional in your area, and a worry-free purchase with a 45-day trial and 3-year warranty. To learn more, visit TruHearing.com today or call 1-888-403-3937.

Humana medical and dental members receive our Vision Discount program at no cost. The program offers access to more than 119,000 vision provider locations (access points) including LensCrafters, Pearle Vision, and Target Optical. To locate a network provider, members can call 1-866-995-9316 or via the following method:

Go to Humana.com > Member Resources > Find a Doctor > Vision care

Humana offers individual Dental and Vision products. Go to Humana.com for more information.

In most cases, providers and facilities file claims for you. Provider must file on the form CMS-1500, Health Insurance Claim Form. Your facility will file on the UB-04 form. For claims questions and assistance, call us at 1-800-4HUMANA or 1-800-448-6262 or at our website at https://feds.humana.com.

When you must file a claim – such as for services you received outside the Plan’s service area – submit it on the CMS-1500 or a claim form that includes the information shown below. Bills and receipts should be itemized and show:

• Covered member’s name, date of birth, address, phone number and ID number
• Name and address of the provider 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 payor – such as the Medicare Summary Notice (MSN)
• Receipts, if you paid for your services

Note: Canceled checks, cash register receipts, or balance due statements are not acceptable substitutes for itemized bills.

Submit your claims to: Humana Claims Office 
                                        P.O. Box 14601 
                                        Lexington, Kentucky 40512-4601

Submit your claims to: Humana Claims Office at the address listed above
or call us at 1-800-4HUMANA or 1-800-448-6262.

We will notify you of our decision within 30 days after we receive your post-service claim. If matters beyond our control require an extension of time, we may take up to an additional 15 days for review and we will notify you before the expiration of the original 30-day period. Our notice will include the circumstances underlying the request for the extension and the date when a decision is expected.

If we need an extension because we have not received necessary information from you, our notice will describe the specific information required and we will allow you up to 60 days from the receipt of the notice to provide the information.

If you do not agree with our initial decision, you may ask us to review it by following the disputed claims process detailed in Section 8 of this brochure.

You may designate an authorized representative to act on your behalf for filing a claim or to appeal claims decisions to us. For urgent care claims, we will permit a healthcare professional with knowledge of your medical condition to act as your authorized representative without your express consent. For the purposes of this section, we are also referring to your authorized representative when we refer to you.

If you live in a county where at least 10% of the population is literate only in a non-English language (as determined by the Secretary of Health and Human Services), we will provide language assistance in that non-English language. You can request a copy of your Explanation of Benefits (EOB) statement, related correspondence, oral language services (such as phone customer assistance), and help with filing claims and appeals (including external reviews) in the applicable non-English language. The English versions of your EOBs and related correspondence will include information in the non-English language about how to access language services in that non-English language.

Any notice of an adverse benefit determination or correspondence from us confirming an adverse benefit determination will include information sufficient to identify the claim involved (including the date of service, the healthcare provider, and the claim amount, if applicable), and a statement describing the availability, upon request, of the diagnosis and procedure codes.

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: Humana Claims Office, Attn: Grievance and Appeals, P.O. Box 14546, Lexington, KY 40512-4601; 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.

e) Include your email address (optional for member), if you would like to receive our decision via email. Please note that by giving us your email, we may be able to provide our decision more quickly.

We will provide you, free of charge and in a timely manner, with any new or additional evidence considered, relied upon, or generated by us or at our direction in connection with your claim and any new rationale for our claim decision. We will provide you with this information sufficiently in advance of the date that we are required to provide you with our reconsideration decision to allow you a reasonable opportunity to respond to us before that date. However, our failure to provide you with new evidence or rationale in sufficient time to allow you to timely respond shall not invalidate our decision on reconsideration. You may respond to that new evidence or rationale at the OPM review stage described in step 4.

In the case of a post-service claim, we have 30 days from the date we receive your request to:

a) Pay the claim or  

b) Write to you and maintain our denial or

c) Ask you or your provider for more information

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.

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: United States Office of Personnel Management, Healthcare and Insurance, Federal Employee Insurance Operations, Health Insurance 3, 1900 E Street, NW, Washington, DC 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.
• Your email address, if you would like to receive OPM’s decision via email. Please note that by providing your email address, you may receive OPM’s decision more quickly.

Note: If you want OPM to review more than one claim, you must clearly identify which documents apply to which claim.

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. However, for urgent care claims, a healthcare professional with knowledge of your medical condition may act as your authorized representative without your express consent.

Note: The above deadlines may be extended if you show that you were unable to meet the deadline because of reasons beyond your control.

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.

If you do not agree with OPM’s decision, your only recourse is to sue. If you decide to file a lawsuit, 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 file a lawsuit 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.

You must tell us if you or a covered family member has coverage under any other health plan or has automobile insurance that pays healthcare 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 payor and the other plan pays a reduced benefit as the secondary payor. We, like other insurers, determine which coverage is primary according to the National Association of Insurance Commissioners’ (NAIC) guidelines. For more information on NAIC rules regarding the coordinating of benefits, visit our website at https://feds.humana.com/.

When we are the primary payor, we will pay the benefits described in this brochure. When we are the secondary payor, we will determine our allowance. After the primary plan processes the benefit, we will pay what is left of our allowance, up to our regular benefit. We will not pay more than our allowance.

TRICARE is the healthcare program for eligible dependents of military persons, and retirees of the military. TRICARE includes the CHAMPUS program. CHAMPVA provides health coverage to disabled Veterans and their eligible dependents. IF TRICARE or CHAMPVA and this Plan cover you, we pay first. See your TRICARE or CHAMPVA Health Benefits Advisor if you have questions about these programs.

Suspended FEHB coverage to enroll in TRICARE or CHAMPVA: If you are an annuitant or former spouse, you can suspend your FEHB coverage to enroll in one of these programs, eliminating your FEHB premium. (OPM does not contribute to any applicable plan premiums.) For information on suspending your FEHB enrollment, contact your retirement or employing 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 under TRICARE or CHAMPVA.

Every job-related injury or illness should be reported as soon as possible to your supervisor. Injury also means any illness or disease that is caused or aggravated by the employment as well as damage to medical braces, artificial limbs and other prosthetic devices. If you are a federal or postal employee, ask your supervisor to authorize medical treatment by use of form CA-16 before you obtain treatment. If your medical treatment is accepted by the Dept. of Labor Office of Workers’ Compensation (OWCP), the provider will be compensated by OWCP. If your treatment is determined not job-related, we will process your benefit according to the terms of this plan, including use of in-network providers. Take form CA-16 and form OWCP-1500/HCFA-1500 to your provider, or send it to your provider as soon as possible after treatment, to avoid complications about whether your treatment is covered by this plan or by OWCP.

We do not cover services that:

• You (or a covered family member) 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 worker's compensation carrier 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.

When you have this Plan and Medicaid, we pay first.

Suspended FEHB coverage to enroll in Medicaid or a similar state-sponsored program of medical assistance: If you are an annuitant or former spouse, you can suspend your FEHB coverage to enroll in one of these state programs, eliminating your FEHB premium.  For information on suspending your FEHB enrollment, contact your retirement or employing 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 under the state program.

We do not cover services and supplies when a local, state, or federal government agency directly or indirectly pays for them.

By accepting benefits under this plan you agree to the following conditions and limitations on the nature of benefits or benefit payments when another person causes an injury or illness or when you are entitled to recover from any other insurance or source of funds that may be available to pay for the injury or illness. 

Humana is entitled to recover the full value of the benefits we have paid or provided in connection with your injury or illness. However, when benefits are otherwise provided by this plan we will cover the cost of treatment that exceeds the amount of the payment you received. You and all covered persons agree to promptly notify us that you have asked anyone other than us to make payment for your injuries and to fully cooperate with our efforts to secure our recovery rights. You and your representative also agree to obtain our consent before releasing any party from liability for payment of medical expenses and before disbursing any funds paid by other parties.

When benefits are provided under the Plan in relation to the illness or injury, Humana may, at its option:

• Subrogate, that is, take over your right to pursue recovery from any other parties, insurance carriers or sources of funds that you may have a right to pursue; or
• Enforce a right to reimbursement from any payment(s) you or your representative may obtain from other parties, settlements or insurance coverage.

Our right to recover the full value of the benefits we have paid or provided for shall take first priority (before any of the rights of any other parties are honored) and are not impacted by how the judgment, settlement, or other recovery is characterized, designated, or apportioned. The amount we are entitled to recovery is not subject to reduction based on attorney fees or costs under the “common fund” or similar rules and is fully enforceable regardless of whether you are “made whole” or compensated for the full amount of damages you may have incurred.

Our recovery rights shall apply only to the extent of the full value of benefits provided for the injury or illness. We will provide benefits to cover the cost of treatment that exceeds amounts that are recoverable other insurance coverage or sources of funds.

If you, a covered person or your representative fails to cooperate with the enforcement of our recovery rights we may delay or deny future benefits until cooperation is provided or we are reimbursed.

Some FEHB plans already cover some dental and vision services. When you are covered by more than one vision/dental plan, coverage provided under your FEHB plan remains as your primary coverage.  FEDVIP coverage pays secondary to that coverage. When you enroll in a dental and/or vision plan on www.BENEFEDS.com or by phone at 1-877-888-3337, TTY 1-877-889-5680, you will be asked to provide information on your FEHB plan so that your plans can coordinate benefits. Providing your FEHB information may reduce your out-of-pocket cost.

An approved clinical trial includes a phase I, phase II, phase III, or phase IV clinical trial that is conducted in relation to the prevention, detection, or treatment of cancer or other life-threatening disease or condition and is either Federally funded; conducted under an investigational new drug application reviewed by the Food and Drug Administration; or is a drug trial that is exempt from the requirement of an investigational new drug application. 

If you are a participant in a clinical trial, this health plan will provide related care as follows, if it is not provided by the clinical trial:

• Routine care costs – costs for routine services such as doctor visits, lab tests, X-rays and scans, and hospitalizations related to treating the patient’s condition, whether the patient is in a clinical trial or is receiving standard therapy.
• Extra care costs – costs related to taking part in a clinical trial such as additional tests that a patient may need as part of the trial, but not as part of the patient’s routine care.
• Research costs – costs related to conducting the clinical trial such as research physician and nurse time, analysis of results, and clinical tests performed only for research purposes. These costs are generally covered by the clinical trials. This plan does not cover these costs.

For more detailed information on “What is Medicare?” and “Should I Enroll in Medicare?” please contact Medicare at 800-MEDICARE (1-800-633-4227), (TTY 1-877-486-2048) or at www.medicare.gov.

The Original Medicare Plan (Original Medicare) is available everywhere in the United States. It is the 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.

All physicians and other providers are required by law to file claims directly to Medicare for members with Medicare Part B, when Medicare is primary. This is true whether or not they accept Medicare.

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.

Claims process when you have the Original Medicare Plan – You will probably not need to file a claim form when you have both our Plan and the Original Medicare Plan.

When we are the primary payor, we process the claim first.

When Original Medicare is the primary payor, Medicare processes your claim first. In most cases, your claim will be coordinated automatically and we will then provide secondary benefits for covered charges. To find out if you need to do something to file your claim, call us at 1-800-4HUMANA or 1-800-448-6262 or visit our website: http://feds.humana.com/.

Humana will not waive the medical copayments, coinsurance, and deductibles for member when original Medicare is the primary payor. Members must enroll in the Humana Value Plan code associated within the service areas listed on the Value Plan brochure and the Humana Medicare Advantage Plan to receive waivers for medical copayments, coinsurance, and deductibles. See the Value Plan brochure (RI 73-829) for more details.

Please review the following examples which illustrates your cost share if you are enrolled in Medicare Part A and B. Members must use providers who accept Medicare’s assignment. 

CDHP: In-network example

Benefit Description: Deductible
CDHP Option You pay without Medicare: $1,500 Self Only/$3,000 Self Plus One or Self and Family
CDHP Option You pay with Medicare Parts A and B (primary): $1,500 Self Only/$3,000 Self Plus One or Self and Family

Benefit Description: Out of Pocket Maximum
CDHP Option You pay without Medicare: $8,150 Self Only/$16,300 Self Plus One or Self and Family
CDHP Option You pay with Medicare Parts A and B (primary):$8,150 Self Only/$16,300 Self Plus One or Self and Family

Benefit Description: Part B Premium Reimbursement Offered
CDHP Option You pay without Medicare: N/A
CDHP Option You pay with Medicare Parts A and B (primary): N/A

Benefit Description: Primary Care Physician
CDHP Option You pay without Medicare: $40
CDHP Option You pay with Medicare Parts A and B (primary): $40

Benefit Description: Specialist
CDHP Option You pay without Medicare: $60
CDHP Option You pay with Medicare Parts A and B (primary): $60

Benefit Description: In-Patient Hospital
CDHP Option You pay without Medicare: 10% after deductible
CDHP Option You pay with Medicare Parts A and B (primary): 10% after deductible

Benefit Description: Out-Patient Hospital
CDHP Option You pay without Medicare: 10% after deductible
CDHP Option You pay with Medicare Parts A and B (primary): 10% after deductible

Benefit Description: Incentives Offered
CDHP Option You pay without Medicare: N/A
CDHP Option You pay with Medicare Parts A and B (primary): N/A

Value Plan: In-network example

Benefit Description: Deductible
Value Plan You pay without Medicare: $1,500 Self Only/$3,000 Self Plus One or Self and Family
Value Plan You pay with Medicare Parts A and B (primary): $1,500 Self Only/$3,000 Self Plus One or Self and Family
Value Plan You pay with Medicare Parts A and B, Value Plan and Medicare Advantage: $0

Benefit Description: Out of Pocket Maximum
Value Plan You pay without Medicare: $8,150 Self Only/$16,300 Self Plus One or Self and Family
Value Plan You pay with Medicare Parts A and B (primary): $8,150 Self Only/$16,300 Self Plus One or Self and Family
Value Plan You pay with Medicare Parts A and B, Value Plan and Medicare Advantage: $8,150 Self Only/$16,300 Self Plus One or Self and Family

Benefit Description: Part B Premium Reimbursement Offered
Value Plan You pay without Medicare: N/A
Value Plan You pay with Medicare Parts A and B (primary): N/A
Value Plan with Medicare Parts A and B and our Medicare Advantage Plan are eligible for a Medicare Part B reimbursement of $100

Benefit Description: Primary Care Physician
Value Plan You pay without Medicare: $50
Value Plan You pay with Medicare Parts A and B (primary): $50
Value Plan You pay with Medicare Parts A and B, Value Plan and Medicare Advantage: $0

Benefit Description: Specialist
Value Plan You pay without Medicare: $70
Value Plan You pay with Medicare Parts A and B (primary): $70
Value Plan You pay with Medicare Parts A and B, Value Plan and Medicare Advantage: $0

Benefit Description: In-Patient Hospital
Value Plan You pay without Medicare: 20% after deductible
Value Plan You pay with Medicare Parts A and B (primary): 20% after deductible
Value Plan You pay with Medicare Parts A and B, Value Plan and Medicare Advantage: $0

Benefit Description: Out-Patient Hospital
Value Plan You pay without Medicare: 20% after deductible
Value Plan You pay with Medicare Parts A and B (primary): 20% after deductible
Value Plan You pay with Medicare Parts A and B, Value Plan and Medicare Advantage: $0

Benefit Description: Incentives Offered
Value Plan You pay without Medicare: N/A
Value Plan You pay with Medicare Parts A and B (primary): N/A
Value Plan with Medicare Parts A and B and Medicare Advantage: Yes, $100 Medicare Part B monthly reimbursement

You can find more information about how our plan coordinates benefits with Medicare by calling 1-800-4HUMANA or visit the Medicare website at https://www.medicare.gov/supplements-other-insurance/how-medicare-works-with-other-insurance.

You must tell us if you or a covered family member has Medicare coverage, and let us obtain information about services denied or paid under Medicare if we ask. You must also tell us about other coverage you or your covered family members may have, as this coverage may affect the primary/secondary status of this Plan and Medicare.

If you are eligible for Medicare, you may choose to enroll in and get your Medicare benefits from a Medicare Advantage plan. These are private healthcare choices (like HMOs and regional PPOs) in some areas of the country. To learn more about Medicare Advantage plans, contact Medicare at 1-800-MEDICARE (1-800-633-4227), (TTY 1-877-486-2048) or at www.medicare.gov.

If you enroll in a Medicare Advantage plan, the following options are available to you:

This Plan and our Medicare Advantage plan: You may enroll in our Medicare Advantage plan and if you are an annuitant or a former spouse with FEHB coverage and are enrolled in Medicare parts A and B. Our Medicare Advantage plan will enhance your FEHB coverage by lowering or eliminating cost share for services and/or adding benefits at no additional cost. Our Medicare Advantage plan is subject to Medicare rules. 

You may enroll in the Humana Medicare Advantage Plan if:

• You are enrolled in the Humana Value Plan and have Medicare parts A & B.
• You are retired and live in our geographic service area
• You are a US Citizen
• You Do Not have End Stage Renal Disease (with limited exceptions)
• You complete a separate enrollment application for the Humana MAPD

Members will receive a reimbursement of $100 towards your Medicare Part B premium through CMS, which should start the first of the month following your application's approval.

If you enroll in a Medicare Advantage plan, tell us. We will need to know whether you are in the Original Medicare plan or in a Medicare Advantage plan so we can correctly coordinate benefits with Medicare. For information about Medicare Advantage plans offered in your area call 1-866-836-5079.

This Plan and another plan’s Medicare Advantage plan: You may enroll in another plan’s Medicare Advantage plan and also remain enrolled in our FEHB plan. We will still provide benefits when your Medicare Advantage plan is primary, even out of the Medicare Advantage plan’s network and/or service area (if you use our Plan providers).

However, we will not waive any of our copayments, coinsurance, or deductibles. If you enroll in a Medicare Advantage plan, tell us. We will need to know whether you are in the Original Medicare Plan or in a Medicare Advantage plan so we can correctly coordinate benefits with Medicare.

Suspended FEHB coverage to enroll in a Medicare Advantage plan: If you are an annuitant or former spouse, you can suspend your FEHB coverage to enroll in a Medicare Advantage plan, eliminating your FEHB premium. (OPM does not contribute to your Medicare Advantage plan premium.) For information on suspending your FEHB enrollment, contact your retirement or employing 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 Advantage plan's service area.

When we are the primary payor, we process the claim first. If you enroll in Medicare Part D and we are the secondary payor, we will review claims for your prescription drug costs that are not covered by Medicare Part D and consider them for payment under the FEHB plan.

• You have FEHB coverage on your own or through your spouse who is also an active employee

• You have FEHB coverage through your spouse who is an annuitant

• It is within the first 30 months of eligibility for or entitlement to Medicare due to ESRD (30-month coordination period)

• It is beyond the 30-month coordination period and you or a family member are still entitled to Medicare due to ESRD

• This Plan was the primary payor before eligibility due to ESRD (for 30-month coordination period)

• Medicare was the primary payor before eligibility due to ESRD

• Medicare based on age and disability

• Medicare based on ESRD (for the 30-month coordination period)

• Medicare based on ESRD (after the 30-month coordination period)

The Plan pays the first $1,000 of covered medical services for each person enrolled. We call this your benefit allowance. While using the $1,000 benefit allowance, you are only responsible for the applicable copayments and coinsurance. The amount the plan deducts from your allowance for a particular service is based on the price Humana has negotiated with the healthcare provider. You do not have to submit receipts for reimbursement. The benefit allowance can only be used to pay for covered medical services from participating providers.

An approved clinical trial includes a phase I, phase II, phase III, or phase IV clinical trial that is conducted in relation to the prevention, detection, or treatment of cancer or other life-threatening disease or condition and is either Federally funded; conducted under an investigational new drug application reviewed by the Food and Drug Administration; or is a drug trial that is exempt from the requirement of an investigational new drug application.

• Routine care costs - costs for routine services such as doctor visits, lab tests, X-rays and scans, and hospitalizations related to treating the patient's condition whether the patient is in a clinical trial or is receiving standard therapy
• Extra care costs - costs related to taking part in a clinical trial such as additional tests that a patient may need as part of the trial, but not as part of the patient's routine care
• Research costs - costs related to conducting the clinical trial such as research physician and nurse time, analysis of results, and clinical tests performed only for research purposes are generally covered by the clinical trials. This plan does not cover these costs.

See Section 4, page 25.

A plan that gives greater control over your choices of healthcare expenditures. You decide what healthcare services will be reimbursed under the health plan benefit allowance. The benefit allowance is only used for participating providers. If you spend the entire benefit allowance before the end of the year, then you must satisfy your deductible before benefits are payable under the traditional type of insurance covered by your plan.

See Section 4, page 25.

See Section 4, page 25.

See Section 4, page 25.

Equipment recognized as such by Medicare Part B, that meets all of the following criteria:

• it can stand repeated use; and
• it is primarily and customarily used to serve a medical purpose rather than being primarily for comfort or convenience; and
• it is usually not useful to a person in the absence of sickness or injury; and
• it is appropriate for home use; and
• it is related to the patient’s physical disorder; and
• the equipment must be used in the member’s home.

A drug, biological product, device, medical treatment, or procedure is determined to be experimental or investigational if reliable evidence shows it meets one of the following criteria:

• when applied to the circumstances of a particular patient is the subject of ongoing phase I, II or III clinical trials, or
• when applied to the circumstances of a particular patient is under study with written protocol to determine maximum tolerated dose, toxicity, safety, efficacy, or efficacy in comparison to conventional alternatives, or
• is being delivered or should be delivered subject to the approval and supervision of an Institutional Review Board as required and defined by the USFDA or Department of Health and Human Services, or
• is not generally accepted by the medical community.

A physician or other healthcare professional licensed, accredited, or certified to perform specified health services consistent with state law.

Plan allowance is the amount we use to determine our payment and your coinsurance for covered services. Plans determine their allowances in different ways. We determine our allowance using Humana's fee schedule for similar providers in your service area. The dollar amount over Humana's allowance/fee schedule will be the responsibility of the member.

You should also see Important Notice About Surprise Billing – Know Your Rights in Section 4 that describes your protections against surprise billing under the No Surprises Act.

A claim for medical care or treatment is an urgent care claim if waiting for the regular time limit for non-urgent care claims could have one of the following impacts:

• Waiting could seriously jeopardize your life or health;
• Waiting could seriously jeopardize your ability to regain maximum function; or
• In the opinion of a physician with knowledge of your medical condition, waiting would subject you to severe pain that cannot be adequately managed without the care or treatment that is the subject of the claim.

Urgent care claims usually involve Pre-service claims and not Post-service claims. We will determine whether or not a claim is an urgent care claim by applying the judgment of a prudent layperson who possesses an average knowledge of health and medicine.

If you believe your claim qualifies as an urgent care claim, please contact our Customer Service Department at 1-800-4HUMANA. You may also prove that your claim is an urgent care claim by providing evidence that a physician with knowledge of your medical condition has determined that your claim involves urgent care.

$40 copay primary care; $60 copay specialist

35

10% coinsurance after deductible

54

$40 copay primary care; $60 copay specialist
$250 copay

58

Regular cost-sharing

60

$10 copay
$45 copay
$65 copay
$100 copay
25% coinsurance
2.5 applicable copays

64

10% coinsurance after deductible

68

No benefit

108

Nothing after $8,150 for Self Only, or $16,300 for Self Plus One or Self and Family including the deducible per contract year.

26

$50 copay primary care; $70 copay specialist

73

 20% coinsurance after deductible

93

$50 copay primary care; $70 copay specialist
$350 copay

97

Regular cost-sharing

99

$10 copay
$45 copay
$65 copay
$100 copay
25% coinsurance
2.5 applicable copays

103