SBC-62141AR0080008-01

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Summary of Benefits and Coverage: What this Plan covers & What You Pay For Covered Services Coverage Period: 01/01/2018-12/31/2018Ambetter from Arkansas Health & Wellness : Ambetter Balanced Care 6 (2018) Coverage for: Individual/Family | Plan Type: PPO

The Summary of Benefits and Coverage (SBC) document will help you choose a health plan. The SBC shows you how you and the plan would sharethe cost for covered health care services. NOTE: Information about the cost of this plan (called the premium) will be provided separately. This isonly a summary. For more information about your coverage, or to get a copy of the complete terms of coverage, visit

https://ambetter.ARHealthWellness.com/2018-brochures.html, or call 1-877-617-0390 (TTY/TDD 877-617-0392). For general definitions of common terms, such as allowedamount, balance billing, coinsurance, copayment, deductible, provider, or other underlined terms see the Glossary. You can view the Glossary athttps://www.healthcare.gov/sbc-glossary or call 1-877-617-0390 (TTY/TDD 877-617-0392) to request a copy.

Important Questions Answers Why This Matters:

What is the overalldeductible?

$3,000 individual/$6,000 family.Non-network: $6,000individual/$12,000 family.

Generally, you must pay all of the costs from providers up to the deductible amount before thisplan begins to pay. If you have other family members on the plan, each family member mustmeet their own individual deductible until the total amount of deductible expenses paid by allfamily members meets the overall family deductible.

Are there servicescovered before youmeet your deductible?

Yes. Preventive care, primarycare, specialist, and urgent careoffice visits, generic and preferreddrugs are covered before youmeet your deductible.

This plan covers some items and services even if you haven’t yet met the deductible amount. Buta copayment or coinsurance may apply. For example, this plan covers certain preventiveservices without cost-sharing and before you meet your deductible. See a list of coveredpreventive services at https://www.healthcare.gov/coverage/preventive-care-benefits/.

Are there otherdeductibles for specificservices?

No. You don’t have to meet deductibles for specific services.

What is the out-of-pocket limit for thisplan?

For network $6,500individual/$13,000 family. For non-network $13,000 individual/$26,000family.

The out-of-pocket limit is the most you could pay in a year for covered services. If you have otherfamily members in this plan, they have to meet their own out-of-pocket limits until the overallfamily out-of-pocket limit has been met.

What is not included inthe out-of-pocket limit?

Premiums, balance-billingcharges, and health care this plandoesn’t cover.

Even though you pay these expenses, they don’t count toward the out–of–pocket limit.

Will you pay less if youuse a network provider?

Yes. See Find a Provider or call 1-877-617-0390 for a list of networkproviders.

This plan uses a provider network. You will pay less if you use a provider in the plan’s network.You will pay the most if you use an out-of-network provider, and you might receive a bill from aprovider for the difference between the provider’s charge and what your plan pays (balancebilling). Be aware, your network provider might use an out-of-network provider for some services(such as lab work). Check with your provider before you get services.

Do you need a referralto see a specialist?

No. You can see the specialist you choose without a referral.

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Common MedicalEvent

Services You May Need Limitation, Exceptions, & Other ImportantInformation

If you visit a healthcare provider's officeor clinic

Primary care visit to treat aninjury or illness

$30 Copay/visit;deductible does notapply.

50% Coinsurance;deductible does notapply.

-----None-----

Specialist visit$60 Copay/visit;deductible does notapply.

50% Coinsurance;deductible does notapply.

Prior authorization required. Failure to obtain priorauthorization for any service that requires priorauthorization may result in denial of payment forcare that may otherwise be covered.

Preventive care/ screening/immunization

No charge50% Coinsurance;deductible does notapply.

You may have to pay for services that aren’tpreventive. Ask your provider if the services youneed are preventive. Then check what your planwill pay for.

If you have a testDiagnostic test (x-ray, bloodwork)

30% Coinsurance 50% Coinsurance Prior authorization required.

Imaging(CT/PET scans, MRIs) 30% Coinsurance 50% Coinsurance Prior authorization required.

All copayment and coinsurance costs shown in this chart are after your deductible has been met, if a deductible applies.

What You will PayNetwork Provider (You

will pay the least)Out-of-Network Provider(You will pay the most)

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Common MedicalEvent

Services You May Need Limitation, Exceptions, & Other ImportantInformation

If you need drugs totreat your illness orconditionMore informationabout prescriptiondrug coverage isavailable at PreferredDrug List.

Generic Drugs (Tier 1)

Retail: $25Copay/prescription;Mail order: $75Copay/prescription;deductible does notapply

Not covered

None. Prescription drugs are provided up to 31days retail and up to 90 days through mail order.Mail orders are subject to 3X retail cost-sharingamount.

Preferred brand drugs (Tier 2)

Retail: $50Copay/prescription;Mail order: $150Copay/prescription;deductible does notapply

Not covered

Prior authorization required. Prescription drugs areprovided for up to 31 days retail and up to 90 daysthrough mail order. Mail orders are subject to 3Xretail cost-sharing amount.

Non-preferred brand drugs(Tier 3)

30% Coinsurance Not covered

Prior authorization required. Prescription drugs areprovided for up to 31 days retail and up to 90 daysthrough mail order. Mail orders are subject to 3Xretail cost-sharing amount.

Specialty drugs (Tier 4) 30% Coinsurance Not covered

Prior authorization required. Prescription drugs areprovided for up to 31 days retail and up to 90 daysthrough mail order. Mail orders are subject to 3Xretail cost-sharing amount.

If you haveoutpatient surgery

Facility fee (e.g., ambulatorysurgery center)

30% Coinsurance 50% Coinsurance Prior authorization required.

Physician/surgeon fees 30% Coinsurance 50% Coinsurance Prior authorization required.

If you needimmediate medicalattention

Emergency room care $600 Copay beforedeductible

$600 Copay beforedeductible

-----None-----

Emergency Medicaltransportation

30% Coinsurance 30% Coinsurance -----None-----

Urgent Care$100 Copay/visit:deductible does notapply

50% Coinsurance;deductible does notapply.

-----None-----

What You will PayNetwork Provider (You

will pay the least)Out-of-Network Provider(You will pay the most)

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Common MedicalEvent

Services You May Need Limitation, Exceptions, & Other ImportantInformation

If you have ahospital stay

Facility fee (e.g., hospitalroom)

$750 Copay per daybefore deductible

50% Coinsurance Prior authorization required.

Physician/surgeon fees 30% Coinsurance 50% Coinsurance Prior authorization required.

If you need mentalhealth, behavioralhealth, or substanceabuse services

Outpatient services

$30 Copay/office visit;deductible does notapply; 30%coinsurance for all otheroutpatient services

50% Coinsurance/officevisit; deductible doesnot apply; 50%Coinsurance for allother outpatientservices

Prior authorization required. (PCP and OtherPractitioner visits do not require prior authorization)

Inpatient services $750 Copay per daybefore deductible

50% Coinsurance Prior authorization required.

If you are pregnant

Office visits$30 Copay/visit;deductible does notapply

50% Coinsurance;deductible does notapply.

Prior authorization required. Cost sharing does notapply for preventive services. Depending on thetype of services, coinsurance, copayment and/ordeductible may apply. Maternity care may includetests and services described elsewhere in theSBC (i.e. ultrasound).

Childbirth/deliveryprofessional services

30% Coinsurance 50% Coinsurance

Prior authorization required. Cost sharing does notapply for preventive services. Depending on thetype of services, coinsurance, copayment and/ordeductible may apply. Maternity care may includetests and services described elsewhere in theSBC (i.e. ultrasound).

Childbirth/delivery facilityservices

$750 Copay per daybefore deductible

50% Coinsurance

Prior authorization required. Cost sharing does notapply for preventive services. Depending on thetype of services, coinsurance, copayment and/ordeductible may apply. Maternity care may includetests and services described elsewhere in theSBC (i.e. ultrasound).

What You will PayNetwork Provider (You

will pay the least)Out-of-Network Provider(You will pay the most)

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Common MedicalEvent

Services You May Need Limitation, Exceptions, & Other ImportantInformation

If you need helprecovering or haveother special healthneeds

Home health care 30% Coinsurance 50% Coinsurance Prior authorization required. 50 visits per year.

Rehabilitation services 30% Coinsurance 50% Coinsurance Prior authorization required for in home services.30 visits per year. Combined with PT, OT, and ST.

Habilitation services 30% Coinsurance 50% CoinsurancePrior authorization required. 30 visits per year foroutpatient habilitative services. 180 visits per yearfor developmental services.

Skilled nursing care 30% Coinsurance 50% Coinsurance Prior authorization required. 60 days per year in afacility.

Durable medical equipment 30% Coinsurance 50% Coinsurance Prior authorization required.

Hospice services 30% Coinsurance 50% Coinsurance

Prior authorization required. Benefits for hospiceinpatient, home or outpatient care are available to aterminally ill covered person for one continuousperiod up to 180 days in a covered person'slifetime.

If your child needsdental or eye care

Children's eye exam$0 Copay/visit;deductible does notapply

$0 Copay/visit;deductible does notapply

1 Visit per Year

Children's glasses$0 Copay/item;deductible does notapply

$0 Copay/item;deductible does notapply

1 Item per Year

Children's dental check-up Not covered Not covered -----None-----

Excluded Services & Other Covered Services

What You will PayNetwork Provider (You

will pay the least)Out-of-Network Provider(You will pay the most)

Services your Plan Generally Does NOT cover (Check your policy or plan documentation for more information and a list of any other excluded services.)Abortion (Except in cases of rape, incest, orwhen the life of the mother is endangered)

Acupuncture Bariatric surgeryCosmetic surgery Dental care (Adult)

Long-term care Non-emergency care when traveling outside theU.S.

Private-duty nursingWeight loss programs

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Your Rights to Continue Coverage: There are agencies that can help if you want to continue your coverage after it ends. The contact information for those agencies is:Arkansas Insurance Department, 1200 West Third Street Little Rock, AR 72201-1904, Phone No. (501) 371-2600 or 1-800-282-9134 Fax No. (800) 852-5494 Seniors No.(800)224-6330. Other coverage options may be available to you too, including buying individual insurance coverage through the Health Insurance Marketplace. For moreinformation about the Marketplace, visit www.HealthCare.gov or call 1-800-318-2596.

Your Grievance and Appeals Rights: There are agencies that can help if you have a complaint against your plan for a denial of a claim. This complaint is called agrievance or appeal. For more information about your rights, look at the explanation of benefits you will receive for that medical claim. Your plan documents also providecomplete information to submit a claim, appeal, or a grievance for any reason to your plan. For more information about your rights, this notice, or assistance, contact:Arkansas Insurance Department, 1200 West Third Street Little Rock, AR 72201-1904, Phone No. (501) 371-2600 or 1-800-282-9134 Fax No. (800) 852-5494 Seniors No.(800)224-6330). Additionally, a consumer assistance program can help you file your appeal. Contact 1-855-332-2227 or (501) 371-2645.

Does this plan provide Minimum Essential Coverage? Yes If you don’t have Minimum Essential Coverage for a month, you’ll have to make a payment when you file your tax return unless you qualify for an exemption from therequirement that you have health coverage for that month.

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

Language Access Services:Spanish (Español): Para obtener asistencia en Español, llame al 1-877-617-0390, TTY/TDD 1-877-617-0392.Tagalog (Tagalog): Kung kailangan ninyo ang tulong sa Tagalog tumawag sa 1-877-617-0390, TTY/TDD 1-877-617-0392.Chinese (中文): 如果需要中文的帮助，请拨打这个号码 1-877-617-0390, TTY/TDD 1-877-617-0392.Navajo (Dine): Dinek'ehgo shika at'ohwol ninisingo, kwiijigo holne 1-877-617-0390, TTY/TDD 1-877-617-0392.

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

Other Covered Services (Limitations may apply to these services. This isn't a complete list. Please see your plan document.)Chiropractic care (Limited to 30 specialists' visitsper year)

Hearing aids (Limited to one pair per year) Infertility treatment (See policy for coveragedetails)

Routine eye care (Adult - Related to diabetestreatment)

Routine foot care (Related to diabetes treatment)

About these Coverage Examples:

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

This EXAMPLE even includes services like:Specialist office visits (prenatal care)Childbirth/Delivery Professional ServicesChildbirth/Delivery facility ServicesDiagnostic test (ultrasounds and blood work)Specialist visit (anesthesia)

Total Example Cost $12,800

In this example, Peg would pay:Cost Sharing

Deductibles $3,000Copayments $1,400Coinsurance $300

What isn't coveredLimits or exclusions $60The total Peg would pay is $4,760

Peg is Having a baby

(9 months of in-network pre-natal care and ahospital delivery)

The plan's overall deductibleSpecialist copaymentHospital (facility) copaymentOther coinsurance

$3,000$60

$75030%

This EXAMPLE even includes services like:Primary care physician office visits (includesdisease education)Diagnostic tests (blood work)Prescription DrugsDurable medical equipment (glucose meter)

Total Example Cost $7,400

In this example, Joe would pay:Cost Sharing

Deductibles $1,300Copayments $1,800Coinsurance $600

What isn't coveredLimits or exclusions $60The total Joe would pay is $3,760

Managing Joe's type 2 Diabetes

(a year of routine in-network care of a well-controlled condition)

The plan's overall deductibleSpecialist copaymentHospital (facility) copaymentOther coinsurance

$3,000$60$75030%

This EXAMPLE even includes services like:Emergency room care (including medicalsupplies)Diagnostic test (x-ray)Durable medical equipment (crutches)Rehabilitation services (Physical therapy)

Total Example Cost $1,900

In this example, Mia would pay:Cost Sharing

Deductibles $1,100Copayments $200Coinsurance $500

What isn't coveredLimits or exclusions $0The total Mia would pay is $1,800

Mia's Simple Fracture

(in-network emergency room visit and followup care)

The plan's overall deductibleSpecialist copaymentHospital (facility) copaymentOther coinsurance

$3,000$60

$75030%

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