AmeriHealth PPO HSA-qualifi ed High Deductible Health Plans
Transcription
AmeriHealth PPO HSA-qualifi ed High Deductible Health Plans
P A R T N in E R S Health U P D AT E W O R K I N G T O G E T H E R F O R Q U A L I T Y H E A LT H C A R E www.amerihealth.com INSIDE THIS ISSUE: JANUARY 2006 ANNOUNCEMENTS • AmeriHealth PPO and CMM Conversion Finalization • Claims Preprocessor Enhancements Effective March 2006 • Pregnancy Depression Screening • No Referrals Required for Small Employer Health (SEH) HMO Plus and POS Plus Plans (NJ only) NEW PRODUCTS • AmeriHealth New Jersey Introduces HMO Plus • New Product Effective January 1, 2006: Amerihealth 65® Plus (Open Access POS) (NJ only) • AmeriHealth Introduces AmeriHealth PPO HSA-qualified High Deductible Health Plan Effective January 1, 2006 (DE only) PHARMACY ANNOUNCEMENTS • Select Drug Program® Formulary Changes CLASS ACTION SETTLEMENT UPDATE • Settlement Recap • Assistant Surgery Modifiers -80, -81, -82 • Co-Surgery Modifier -62 NAVINETSM ANNOUNCEMENTS • Tips for Submitting Electronic Referrals REMINDER • ICD-9-CM Diagnosis Codes Change for Routine Gynecological Exams FOR YOUR PATIENT’S HEALTH • Supporting Our Members, Your Patients: ConnectionsSM Health Management Programs ANNOUNCEMENTS AmeriHealth PPO and CMM Conversion Finalization U P D A T E For the final phase of converting AmeriHealth PPO and CMM claims processing to our new managed care information system, AmeriHealth will discontinue processing PPO and CMM claims and adjustments on its former adjudication system on March 31, 2006. By February 15, 2006, providers must submit all claims and adjustment requests for dates of service October 31, 2004 and earlier for consideration on the former system. Please note that timely filing requirements will be applicable to all clean claims. For timely filing requirements, please reference the letter dated May 1, 2005. For New Jersey AmeriHealth PPO and CMM Members For Delaware AmeriHealth PPO and CMM Members Electronic Billers should continue to use NAIC code 54704 in ISA-08 and NAIC code 93688 in GS-03. Electronic Billers using Emdeon (formerly WebMD) should continue to use Payer ID SX074 in GS-03 for submission of AmeriHealth PPO and CMM claims. Paper claims submissions should continue to be submitted to the following address: AmeriHealth Processing Center P.O. Box 41574 Philadelphia, PA 19101-1574 If you have any questions, please contact your Network Coordinator or Provider Services. Electronic Billers should continue to use NAIC code 54704 in ISA-08 and NAIC code 60061 in GS-03. Electronic Billers using Emdeon (formerly WebMD) should continue to use Payer ID SX075 in GS-03 for submission of AmeriHealth PPO and CMM claims. Claims Preprocessor Enhancements Effective March 2006 January 2006 Tentatively Scheduled for March 20, 2006, in order to streamline our pre-adjudication editing process for electronic and paper claims, AmeriHealth is pursuing an initiative that will consolidate these edits on to one platform. The Electronic Data Interchange (EDI) Claims Preprocessor will begin performing these pre-adjudication edits for the AmeriHealth New Jersey POS/PPO/Traditional Medical/Preferred Provider Network and AmeriHealth Delaware POS/PPO/CMM electronic and paper submissions. 2 Q. How will this change affect professional provider submissions? A. Providers should continue to submit claims according to the AmeriHealth guidelines. Q. How will professional provider claims be validated? A. Provider claims will continue to be validated against the existing AmeriHealth business rules. Electronic claims submitters will continue to receive the Unsolicited 277 notification of both rejected and accepted claims, a quick and efficient means to correct and resend files to ensure an expedited remittance. Paper claims submitters will continue to receive the rejected claim report. If you are using a clearinghouse and are not receiving the U277 reports for electronic claims, please contact your vendor. If you are a paper submitter and are not receiving a rejected claim report, please contact the eBusiness help desk at (215) 241-2305 or via e-mail at claims.edi-admin@amerihealth.com. Updated information on the enhancement will be available in a future edition of Partners in Health Update. You may also reference: www.amerihealth.com/providers/self_service _tools or contact your Network Coordinator. www.amerihealth.com In September 2005, Baby FootSteps® instituted a targeted screening program which is to screen pregnant women for depression using the Whooley Questionnaire, a two-question depression screening tool. Outreach calls are currently administered by Baby FootSteps® to women in their 28th week of pregnancy. The following two screening questions have been added to the 28 week questionnaire: • During the past month, have you often been bothered by feeling down, depressed, or hopeless? If you have any questions, please call Baby FootSteps® at (800) 598-BABY. Source: Whooley MA, Avins AL, Miranda J, Browner WS. Case Finding Instruments for Depression: Two Questions as Good as Many. J Gen Intern Med 1997; 12: 439-45 January 2006 • During the past month, have you often been bothered by little interest or pleasure in doing things? A positive answer to both screening questions indicates a need for an evaluation for depression and possible mental health referral. Therefore, when possible, Baby FootSteps® offers a mental health referral to those women who answer yes to both questions. Your office may be receiving calls regarding those members who screen positively. U P D A T E Pregnancy Depression Screening www.amerihealth.com 3 NEW PRODUCTS U P D A T E AmeriHealth New Jersey Introduces 51+ HMO Plus (NJ only) AmeriHealth HMO Inc., in New Jersey introduced AmeriHealth 51+ HMO Plus, a new HMO benefit program for New Jersey large group employers, effective December 1, 2005. AmeriHealth 51+ HMO Plus requires members to select a PCP who is available to provide primary and preventive care services. PCP reimbursement for these members will be made on a fee-for-service basis and members will be identified separately on your monthly capitation/eligibility roster. AmeriHealth HMO Plus members can be easily identified by the HMO Plus and “No Referrals Required” indicators on their ID cards. Please refer to the enclosed product booklet for further details on this benefit program. It should be filed in the Products section of your Provider Manual. Please contact Provider Services or your Network Coordinator with any questions about the AmeriHealth HMO Plus benefit program. AmeriHealth HMO Plus members are exempt from all referral requirements. Members may access care from any participating provider without a referral from their PCP and receive the highest level of coverage. New Product Effective January 1, 2006: AmeriHealth 65® Plus (Open Access POS) (NJ only) Effective January 1, 2006, AmeriHealth 65® will be introducing AmeriHealth 65 Plus, an open access POS product in New Jersey. Please contact Provider Services with questions regarding these new products. January 2006 AmeriHealth 65 Plus will be available statewide to employer health groups, as well as to Medicareeligible individuals residing in Burlington, Camden, Cumberland, Gloucester, and Salem counties beginning January 1, 2006. AmeriHealth 65 Plus requires members to choose a PCP in the AmeriHealth 65 network; however, members can access care in- or out-of-network without a referral. Members utilizing in-network providers will receive the highest level of benefit. The PCP copay will apply when the member visits any network PCP. The enclosed product booklet contains copayment, prior authorizarion, and information applicable to the AmeriHealth 65 Plus product. Please file the enclosed product booklet in the Products section of your Provider Manual. 4 www.amerihealth.com AmeriHealth Introduces AmeriHealth PPO HSA-qualified High Deductible Health Plan Effective January 1, 2006 (DE only) Identification Cards On the member’s AmeriHealth PPO identification card (ID), you will see a line of text that identifies the AmeriHealth PPO HSA-qualified High Deductible Health Plan (HDHP) option in which the member is enrolled. For example, an ID card that reads HDHP–HD1-HC1 indicates that a member is enrolled in a program that includes a $1,500 deductible for single contracts and a $3,000 deductible for a family contract (HD1). HC1 indicates that the member’s plan is an 80% network coinsurance plan—AmeriHealth pays 80% of Plan allowance after the deductible is met for most eligible services. Family Aggregate Deductible A new feature of these plans is the family aggregate deductible: The family deductible and out-of-pocket maximum apply when an individual and one or more dependents are enrolled. The entire family deductible must be met before benefits are paid. The single deductible and out-of-pocket maximum apply when an individual is enrolled without dependents. All injectables that are shown on the Biotech/Specialty Injectables list must be obtained through the Direct Ship Program. Injectables are subject to applicable deductible and coinsurance and apply to AmeriHealth PPO HSA-qualified High Deductible Health Plan members. Please note: Biotech/Specialty Injectables that are provided in the physician’s office from a physician’s supply are also subject to applicable Pharmacy Services precertification requirements prior to the administration of any Biotech/ Specialty Injectable. Precertification is required for the listed Biotech/Specialty Injectables and is facilitated via the Direct Ship process. Standard office-based injectables, such as antibiotics and steroids, are also subject to the applicable deductible and coinsurance. U P D A T E Please see below for important information about the new health plans. Biotech/Specialty Injectables Note: Please remember to reference the updated Biotech/Specialty Injectables list, effective January 1, 2006, when ordering Biotech/Specialty injectables for AmeriHealth PPO HSA-qualified High Deductible Health Plan members. The latest version of the list can be found as an enclosure in the November issue of Partners in Health Update. Precertification Requirements Precertification requirements for AmeriHealth PPO HSA-qualified High Deductible Health Plans are consistent with precertification requirements for the Flex Copay Series programs. When applicable, member copays may be collected at time of service (i.e., preventive office visits and routine gynecological exams). For all other services, to ensure that members are billed correctly, claims should be adjudicated by AmeriHealth before the member is billed. Please file the enclosed product booklet in the Products section of your Provider Manual. www.amerihealth.com January 2006 AmeriHealth is pleased to announce that new AmeriHealth PPO HSA-qualified High Deductible Health Plans will be available to employer groups effective January 1, 2006. These plans are designed to be paired with a Health Savings Account (HSA). There will be four standard deductible options and two coinsurance options that can be combined into a total of eight different product offerings. Single network deductible options range from $1,500 to $3,000. Standard coinsurance options include a 0% coinsurance option—in which AmeriHealth pays 100% in-network after the deductible is met—as well as an 80% coinsurance option. 5 PHARMACY ANNOUNCEMENTS U P D A T E Select Drug Program® Formulary Changes The Select Drug Program® Formulary is a list of FDA-approved medications that were chosen for their effectiveness and value. The list changes periodically as AmeriHealth reviews the formulary to ensure its continued effectiveness. Please see below for information on brand additions and deletions, generic additions, and drugs with prior authorizations. In addition, you can view the Select Drug Program® Formulary as well as all drugs with prior authorizations at www.amerihealth.com/provider_rx. Brand Addition This Drug is Covered at the Appropriate Brand Formulary Copayment Effective Immediately Brand Drug PhosLo® Formulary Chapter 16. Diagnostic and Miscellaneous Agents Once a brand drug is approved by AmeriHealth’s Pharmacy and Therapeutics (P&T) Committee, it will be immediately added to the formulary and will be available at the brand formulary copayment. The brand drug listed above has been added since the last printing of the Select Drug Program® Formulary. Brand Deletions These Drugs are Covered at the Appropriate Non-Formulary Copayment+ Effective March 1, 2006 Brand Drug Brovex-D® suspension 12-20* Miacalcin® Spray* Generic Drug brompheniramine/phenylepherine calcitonin nasal spray * The generic equivalents for all of these brand drugs are on our formulary and are available at the generic formulary copayment. Members may contact their doctor to discuss formulary alternatives. + Non-formulary injectables are not covered. Drugs with Prior Authorization Effective March 1, 2006 For Medicare Part D Members Effective Immediately for Commercial Members January 2006 The following formulary drugs have been added to the list of drugs requiring Prior Authorization for new prescriptions: 6 Brand Name Ambien-CRTM LunestaTM Lyrica® Rozerem® Generic Name zolpidem eszoplicone pregabalin ramelteon www.amerihealth.com Generic Additions These Drugs are Covered at the Appropriate Generic Formulary Copayment Effective Immediately Aclovate cream Formulary Chapter 5. Dermatologicals/Topical Therapy ® benzoyl peroxide/urea cream Zoderm 6.5% cream 5. Dermatologicals/Topical Therapy car-b-pen ta/phenylephrine/BPM Betatan® suspension 13. Allergy, Cough & Cold, Lung Meds car-b-pen ta/phenylephrine levall-12® suspension 30-30mg 13. Allergy, Cough & Cold, Lung Meds carbinoxamine maleate liquid Pediatex® liquid 13. Allergy, Cough & Cold, Lung Meds clonazepam wafer tablet Klonopin® wafer tablet 3. Autonomic & CNS drugs, Neurology & Psych dextromethorphan tannate/ pseudoephedrine tannate/ carbinoxamine Pediatex 12 DM® suspension 13. Allergy, Cough & Cold, Lung Meds dicyclomine syrup Bentyl® syrup 10mg/5ml 8. Gastroenterology fexofenadine ® Allegra 13. Allergy, Cough & Cold, Lung Meds ® guaifenesin/phenylephrine/ hydrocodone Duratuss HD elixir hydrocortisone butyrate 0.1% cream Locoid® 0.1% cream 5. Dermatologicals/Topical Therapy hydrocodone/guaifenesin tab Pneumotussin® tab 2.5-300mg 13. Allergy, Cough & Cold, Lung Meds iron, carbonyl 15mg Icar® chewable 15 mg 15.Vitamins & Electrolytes 13. Allergy, Cough & Cold, Lung Meds ® methenamine/methylene blue/ benzoic acid/ salicylic acid/atropine/ hyoscyamine Prosed EC tab phenylephrine/hydrocodone/BPM Flutuss HC® liquid 13. Allergy, Cough & Cold, Lung Meds phenylephrine/hydrocodone/CP Maxituss HC® syrup 13. Allergy, Cough & Cold, Lung Meds phenylephrine/hydrocodone/ diphenhydramine syrup Tussinate® syrup 13. Allergy, Cough & Cold, Lung Meds phenylephrine/hydrocodone/ chlorpheniramine Z-cof HC® liquid 13. Allergy, Cough & Cold, Lung Meds pseudoephedrine hcl/ carbinoxamine mal Pediatex D® liquid 13. Allergy, Cough & Cold, Lung Meds pseudoephedrine hcl/hydrocodone/CP Pediatex HC® liquid 13. Allergy, Cough & Cold, Lung Meds pseudoephedrine w/hydrocodone syrup 15-3 mg/ml Pancof HC® syrup 13. Allergy, Cough & Cold, Lung Meds dextromethorphan hbr/ pseudoephedrine hcl/carbinoxamine Pediatex DM® liquid 13. Allergy, Cough & Cold, Lung Meds sodium fluoride solution rinse Prevident® solution rinse 16. Diagnostics & Miscellaneous agents 14. Urologicals ® sulfacetamide sodium 10% lotion Sebizon 10% lotion 5. Dermatologicals/Topical Therapy sulfacetamide sodium/urea lotion Carmol® scalp lotion 5. Dermatologicals/Topical Therapy urea cream ® Keralac cream Once a generic product becomes available upon approval of the FDA and the carrier, it will be added to the formulary and will be available at the generic U P D A T E aclometasone cream Brand Drug ® 5. Dermatologicals/Topical Therapy formulary copayment. The generic drugs listed above have been added since the last printing of the Select Drug Program® formulary. www.amerihealth.com January 2006 Generic Drug 7 CLASS ACTION SETTLEMENT UPDATE Settlement Recap The class action settlements involving New Jersey and Delaware providers [of Gregg, et al. v. Independence Blue Cross, et al., Good v. Independence Blue Cross, et al., and Pennsylvania Orthopaedic Society v. Independence Blue Cross, et al.] include the following enhancements for providers who agreed to the settlement: • Improving disclosure to Settlement Providers, including standard fee schedules, changes to schedules, and medical and payment policies that may affect payment/reimbursement of services, which will be made available online via NaviNetSM, our secure provider portal. • Changing claims processing for Settlement Providers on the following: selected modifiers (-25, -50, -51, -59, -62, -66, -80, -81, -82, -RT, -LT), multiple surgical procedures, radiological guidance during a procedure, and certain Current Procedural Terminology (CPT)** code-level designations (e.g., Modifier -51 exempt, Separate Procedure, Add-on codes). • Introducing a two-level, formal claims appeal process for Settlement Providers in AmeriHealth’s Delaware subsidiary. AmeriHealth New Jersey providers will continue to have access to the existing provider claims appeal process. Certain of these enhancements are currently available. Others will be announced as they become available. * The following is a link to the Medicare website: www.cms.gov. These sites are maintained by organizations over which AmeriHealth exercises no control, and accordingly, AmeriHealth expressly disclaims any responsibility for the content, the accuracy of the information, and/or quality of the products or services provided by or advertised in these third-party sites. Certain services/treatments referred to in other sites may not be covered under specific benefit plans. Please refer to benefit contracts for complete details of the terms, limitations, and exclusions of coverage. ** Current Procedural Terminology (CPT®) is a copyright of the American Medical Association (AMA). All Rights Reserved. No fee schedules, basic units, relative values, or related listings are included in CPT. The AMA assumes no liability for the data contained herein. Applicable FARS/DFARS restrictions apply to government use. CPT® is a trademark of the AMA. January 2006 C L A S S A C T I O N S E T T L E M E N T U P D AT E Enhancements to Claim Payment Policy, Processing and Payment Disclosure, and an Appeals Process for Class Action Settlement Providers 8 www.amerihealth.com Assistant Surgery Modifiers -80, -81, -82 Assistant surgery modifiers -80, -81, and -82 are used to denote surgical procedures that require both a primary and an assistant surgeon because of the complexity and/or time requirement of the surgery. An assistant surgeon is a surgeon who actively assists and supports a primary surgeon during a surgical procedure. Both primary and assistant surgeons should report the same procedure code. The assistant surgeon should append the most appropriate assistant surgery modifier based on the narrative. The table below identifies and describes the intended processing outcome associated with each indicator. However, reimbursement consideration for services reported with modifiers -80, -81, and/or -82, are also contingent upon eligibility, benefits, exclusions, precertification/referral requirements, provider contracts, and/or applicable policies. Payment for these procedures is based on 20% of the fee schedule allowance for the surgical service. Please note that assistant surgical services that are performed in conjunction with other surgical services may be subject to multiple surgery reduction guidelines. CMS utilizes a payment methodology for these types of services by applying assistant surgery payment indicators to procedure codes that, when submitted in combination with modifiers -80, -81, and/or -82 will allow or restrict payment consideration: CMS Indicator & Description (0) Assistant surgery payment is inappropriate unless documentation supports medical necessity. (1) Assistant surgery payment is inappropriate. (2) Assistant surgery payment is appropriate. (9) Concept does not apply. Outcome for code/modifier -80, -81, and/or -82 combination Ineligible for assistant surgery; additional consideration determined on an appeal basis only. Ineligible for assistant surgery reimbursement consideration. Eligible for assistant surgery reimbursement consideration. Invalid procedure/modifier code combination. January 2006 Medical records, operative reports, and/or other supporting documentation should not be appended to the claim or submitted to the Company unless specifically requested by the Company. C L A S S A C T I O N S E T T L E M E N T U P D AT E AmeriHealth has enhanced its processing system to apply the Centers for Medicare & Medicaid Services (CMS) payment methodology for modifiers that represent assistant surgery [Assistant Surgeon -80; Minimum Assistant Surgeon -81; Assistant Surgeon (when qualified resident surgeon not available) -82] as outlined in the Medicare Physician Fee Schedule Database on the CMS website.* www.amerihealth.com 9 CLASS ACTION SETTLEMENT UPDATE (continued) Co-Surgery Modifier -62 U P D A T E AmeriHealth has enhanced its processing system to apply the Centers for Medicare & Medicaid Services (CMS) payment methodology for co-surgery modifier -62 as outlined in the Medicare Physician Fee Schedule Database on the CMS website.* Co-surgery modifier -62 is used to denote when two surgeons act as primary surgeons during the same operative procedure or session for the same individual because of the complexity of the procedure and/or the patient’s condition. The co-surgeons are typically of different specialties and perform consecutive or overlapping parts of the same procedure or simultaneous procedures during the same session with one of the following exceptions for co-surgeons of the same specialty: • Each surgeon must perform a distinct part of the surgical procedure that requires the distinct skills of each surgeon. • Each surgeon performs the same procedure(s) simultaneously for different regions/organs (e.g., bilateral lung reduction, bilateral knee replacements). In such cases, the operative report must reflect the necessity of two primary surgeons with the same skills. Each of the two surgeons should submit the same procedure code that represents the entire surgical procedure appended with modifier -62. The table below identifies and describes the final processing outcome that is associated with each indicator; however, reimbursement consideration for services reported with modifier -62 are also contingent upon eligibility, benefits, exclusions, precertification/referral requirements, provider contracts, and applicable policies. Payment for these procedures is based on 62.5% of the fee schedule allowance for the service. Please note that co-surgery services that are performed in conjunction with other co-surgery services are subject to multiple surgery reduction guidelines. CMS utilizes a payment methodology for these types of services by applying co-surgery payment indicators to procedure codes that, when submitted in combination with modifier -62, will allow or restrict payment consideration: CMS Indicator & Description (0) Co-surgery payment is inappropriate. (1) Co-surgery payment is inappropriate unless supporting documentation establishes medical necessity. (2) Co-surgery payment is appropriate. (9) Concept does not apply. Outcome for code/modifier -62 Ineligible for co-surgery reimbursement consideration. Ineligible for co-surgery; additional consideration determined on an appeal basis only. Eligible for co-surgery reimbursement consideration. Invalid procedure/modifier code combination. It is inappropriate to report modifier -62 when one surgeon acts as an assistant to the primary surgeon or when more than two surgeons act as primary surgeons during the same operative session. January 2006 Medical records, operative reports, and/or other supporting documentation should not be appended to the claim or submitted to the Company unless specifically requested by the Company. 10 www.amerihealth.com NAVINETSM ANNOUNCEMENTS Tips for Submitting Electronic Referrals When using the Interactive Voice Response (IVR) Unit to submit referrals, providers may back date the referrals for members up to seven days. When prompted for the date of service, enter a date not more than seven days prior to the date of issue. For additional information on this transaction, please refer to the User Guides located in the Customer Service drop-down menu, or contact NaviNetSM Customer Care at (888) 482-8057. REMINDERS No Referrals Required for Small Employer Health (SEH) HMO Plus and POS Plus Plans (NJ only) Effective July 1, 2005, AmeriHealth introduced two new group products in New Jersey. Information pertaining to the new products and benefits appeared in the July Partners in Health Update. Please see below for important reminders about the new products and the no referrals benefit: AmeriHealth NJ Small Employer Health (SEH) POS Plus: AmeriHealth NJ Small Employer Health (SEH) HMO Plus: • Members are not limited to capitated networks for radiology and physical therapy. • Members must choose a PCP in the AmeriHealth network. • The PCP copayment will apply when the member visits any network PCP. • Members can access in-network specialist care without a referral, as noted on the ID card. Please note: The member identification cards for these new products clearly state that no referrals are required. This information can be found on the top portion of the member ID card. • Members are not limited to capitated networks for radiology and physical therapy. • Members must choose a PCP in the AmeriHealth network. • Members can access in-network OR out-of-network specialist care without a referral. Please contact Provider Services or your Network Coordinator if you have questions regarding the no referrals process. January 2006 • The PCP copayment will apply when the member visits any network PCP. U P D A T E When submitting referrals in NaviNetSM, the referrals can be backdated by PCPs for up to seven days by changing the referral date in the patient search screen. Referrals that are backdated in the comments section of the referral will not be accepted. www.amerihealth.com 11 REMINDERS (continued) U P D A T E ICD-9-CM Diagnosis Codes Change for Routine Gynecological Exams Effective January 1, 2006, capitated PCPs who bill for routine gynecological exams should report diagnosis code V72.31 with the applicable preventive evaluation and management Current Procedural Terminology (CPT)* codes 99384-99387 and 99394-99397 or Healthcare Common Procedure Coding System (HCPCS) codes S0610 and S0612 for reimbursement consideration. Routine gynecological exams that are reported with ICD-9-CM code V72.32 for CPT codes 99384-99387 and 99394-99397 are no longer eligible for additional payment outside the standard capitation amount. HCPCS codes S0610 and S0612 may still be reported with ICD-9-CM code V72.32 when appropriate. Important reminder: As previously communicated, effective October 1, 2004, we require all practitioners to report diagnosis codes to the highest degree of specificity, according to the ICD-9-CM Coding Manual. If you have questions, please call Provider Services or your Network Coordinator. * Current Procedural Terminology (CPT®) is a copyright of the American Medical Association (AMA). All Rights Reserved. No fee schedules, basic units, relative values, or related listings are included in CPT. The AMA assumes no liability for the data contained herein. Applicable FARS/DFARS restrictions apply to government use. CPT® is a trademark of the AMA. For reference, the diagnosis code narratives are as follows: • V72.31: Routine gynecological examination. January 2006 • V72.32: Encounter for Papanicolaou cervical smear to confirm findings of a recent normal smear following initial abnormal smear. 12 www.amerihealth.com FOR YOUR PATIENT’S HEALTH Helping you and your patients manage five chronic conditions (Asthma, CAD, CHF, COPD, and Diabetes) Promoting self-management and preventing disease complications for patients with complex chronic conditions CONTACT THE CONNECTIONSSM HEALTH MANAGEMENT PROGRAM PROVIDER SUPPORT LINE AT (866) 866-4694 TO: CONTACT THE CONNECTIONSSM ACCORDANTCARETM PROGRAM AT (866) 398-8761 TO: 1 2 3 4 5 Refer a member for Health Coaching. Ask questions or provide feedback. Request information regarding the SMARTTM Registry. Request ConnectionsSM posters for your office, referral pads, and copies of Clinical Insights. Request individual patient information for the purposes of treatment and care coordination for your patient. A ConnectionsSM Provider Service Specialist will return your call within two business days. U P D A T E Supporting Our Members,Your Patients: ConnectionsSM Health Management Programs 1 Refer patients with the following complex chronic conditions for disease management support: • Seizure Disorders • Scleroderma • Rheumatoid Arthritis • Polymyositis • Multiple Sclerosis • Dermatomyositis • Chronic Inflammatory • Parkinson’s Disease Demyelinating • Systemic Lupus Polyradiculoneuropathy Erythematosus (SLE) (CIDP) • Myasthenia Gravis • Amyotrophic Lateral • Sickle Cell Disease Sclerosis (ALS) • Cystic Fibrosis • Gaucher Disease • Hemophilia 2 Ask questions and/or provide feedback. 3 Request an individual patient disease management plan for the purposes of care coordination for your patient. Providing resources for you and your patients with end-stage renal disease CONTACT THE CONNECTIONSSM KIDNEY PROGRAM AT (866) 303-4CKP [4257] TO: Refer a member on chronic outpatient dialysis to a Health Service Coordinator. Ask questions and/or provide feedback. Request individual member information. 1 January 2006 1 2 3 www.amerihealth.com 13 IMPORTANT RESOURCES PROVIDER INFORMATION and TOOLS WEB PAGE PROVIDER SERVICES Policies/Procedures/Claims www.amerihealth.com/providers PROVIDER MEDICAL POLICY WEB PAGE www.amerihealth.com/medpolicy PROVIDER ELECTRONIC DATA INTERCHANGE SERVICES WEB PAGE (866) 282-2707 (800) 275-2583 (800) 821-9412 NJ (800) 888-8211 DE Precertification (800) 227-3116 PPO CARE MANAGEMENT AND COORDINATION HMO Commercial (800) 595-3627 NJ (800) 888-8211 DE PHARMACY SERVICES Prescription Drug Authorization (888) 671-5280 (888) 671-5285 CREDENTIALING COMPLIANCE HOTLINE Direct Ship Injectable www.amerihealth.com/credentials PROVIDER PHARMACY WEBPAGE www.amerihealth.com/provider_rx eBUSINESS PROVIDER INQUIRY LINE (856) 638-2701 NJ (302) 661-6111 DE (800) 227-3116 NJ (800) 373-4455 DE PPO (800) 373-4455 Toll-Free Fax www.amerihealth.com/anti-fraud (866) 282-2707 AmeriHealth Healthy LifestylesSM HMO www.amerihealth.com/edi CORPORATE AND FINANCIAL INVESTIGATIONS DEPARTMENT Anti-Fraud and Corporate Compliance Hotline HEALTH RESOURCE CENTER Case Management (800) 313-8628 NJ (800) 373-4455 DE (267) 402-1711 (888) 671-5280 Baby FootSteps® Fax (215) 761-9165 CONNECTIONSSM HEALTH MANAGEMENT PROGRAMS PROVIDER SUPPORT LINE Blood Glucose Meter Hotline (866) 866-4694 (888) 494-8213 (option 2) CONNECTIONSSM KIDNEY PROGRAM PROVIDER SUPPLY LINE (800) 858-4728 The AmeriHealth Partners in Health Monthly Update is a publication of the Provider Communications department for the exchange of information and ideas among the AmeriHealth Provider community. Suggestions are welcome. Contact Information: Rosemary Franks Managing Editor Elizabeth Derago Production Coordinator Provider Communications AmeriHealth 1901 Market Street, 35th Floor Philadelphia, PA 19103 Visit our website at www.amerihealth.com (800) 598-BABY [2229] (866) 303-4CKP [4257] CONNECTIONSSM ACCORDANTCARETM PROGRAM (866) 398-8761 View our online provider directories at www.amerihealth.com. AmeriHealth products are offered directly by QCC Insurance Company d/b/a AmeriHealth Insurance Company, AmeriHealth HMO, Inc. and AmeriHealth Insurance Company of New Jersey. The third-party Web sites mentioned in this publication are maintained by organizations over which AmeriHealth exercises no control, and accordingly, AmeriHealth disclaims any responsibility for the content, the accuracy of the information, and/or quality of products or services provided by or advertised in these third-party sites. URLs presented for informational purposes only. Certain services/treatments referred to in third-party sites may not be covered by all benefit plans. Members should refer to their benefit contract for complete details of the terms, limitations, and exclusions of their coverage. Current Procedural Terminology (CPT®) is a copyright of the American Medical Association (AMA). All Rights Reserved. No fee schedules, basic units, relative values, or related listings are included in CPT. The AMA assumes no liability for the data contained herein. Applicable FARS/DFARS restrictions apply to government use. CPT® is a trademark of the American Medical Association. Investors in NaviMedix®, Inc. include an affiliate of AmeriHealth, which has a minority ownership interest in NaviMedix®, Inc. 009189 2003-0269 07/05 ENCLOSURES The following pages of this PDF include content that originally mailed with the January edition of Partners in Health Update. These documents have been combined into one PDF file on IBC’s website & Provider Manual CD for your convenience. Copayment/Co-insurance Summary ...........................................................2 AmeriHealth 65 Plus Prior Authorization Requirements ...............................4 Product Overview ID Cards This booklet contains information regarding the AmeriHealth 65® Plus (Open Access POS) product. An AmeriHealth 65 Plus member will carry an identification card that clearly indicates that the member is enrolled in AmeriHealth 65 Plus. On the member’s identification card, a line of text identifies the product and the office copayment. These codes correlate to the benefit options that are shown on the enclosed benefit guide. AmeriHealth 65 Plus is available to New Jersey employer group members statewide. AmeriHealth 65 Plus is also available to Medicare eligible individuals residing in Burlington, Camden, Cumberland, Gloucester, and Salem counties. This product is effective January 1, 2006. Sample AmeriHealth 65 Plus ID Card AmeriHealth 65 Plus requires members to choose a Primary Care Physician (PCP) from the AmeriHealth 65 network. Referral Requirements No referrals are required. Prior Authorization In-Network/Out-of-Network Services • Services that are performed by providers who participate in the AmeriHealth 65 network will process as in-network services. Members utilizing in-network providers will receive the highest level of benefit. • Services that are performed by providers who do not participate in the AmeriHealth 65 network will process as out-of-network services. Members who utilize out-ofnetwork providers are responsible for an annual deductible and coinsurance. Prior authorization is not a determination of eligibility or a guarantee of payment. Coverage and payment are contingent upon, among other things, the member being eligible (i.e., actively enrolled in the health benefits plan when the prior authorization is issued and when approved services occur). Coverage and payment are also subject to limitations, exclusions, and other specific terms of the health benefits plan that apply to the coverage request. The prior authorization list is subject to change. Provider Note Please insert this booklet into the “Products” section of your Provider Manual. 01/06 www.amerihealth.com 1 of 4 AmeriHealth 65® Plus (Open Access) (NJ only) AmeriHealth 65® Plus (Open Access POS) (NJ only) AmeriHealth 65® Plus (Open Access) (NJ only) AmeriHealth 65® Plus (Open Access POS) (NJ only) Copayment/Co-insurance Summary AmeriHealth 65 AmeriHealth 65 Plus Medical Only Plus Rx Option II Type of Service Out-of-Network Premium $75 $107 (NA) Deductible None None $500 Coinsurance None None 70% of plan allowance $3,000 NA $3,000 NA $5,000 NA Out-of-Pocket Maximum Lifetime Maximum Primary Care Office Visit Urgent Care Specialist Office Visit OB-GYN Office Visit Non-Routine Podiatry Non-Routine Vision Exam Physical and Occupational Therapy Chiropractic (Spinal Manipulations) Allergy Testing Allergy Immunotherapy Speech Therapy Cardiac Rehab Outpatient Laboratory/Pathology (outpatient facility & Lab) Outpatient X-Ray/Radiology/Diagnostic Services Routine Radiology/Diagnostic - one copay per date of service per provider $15 $15 70% $15-$25 $25 $25 $25 $25 $25 $25 $0 $25 $25 $25 $0 $15-$25 $25 $25 $25 $25 $25 $25 $0 $25 $25 $25 $0 $15-$25 70% 70% 70% 70% 70% 70% 70% 70% 70% 70% 70% $25 $25 70% - MRI/MRA, CT Scans/PET Scans (Preauthorization is required for MRI/MRA, CT Scans/PET Scans) $50 $50 70% (No copay applicable when service is performed in an ER or physician office setting.) Outpatient Mental Health - unlimited Outpatient Substance Abuse - unlimited Routine Physical Examination Routine GYN Exam/Pap Routine Mammography Prostate Cancer Screenings Immunizations Bone Mass Measurement Exam Colorectal Screenings*** Routine Vision Exam Diagnostic Hearing Exam $25 $25 $0 $0 $0 $0 $0 $0 $0 $25 $25 $25 $25 $0 $0 $0 $0 $0 $0 $0 $25 $25 50% 70% 70% 70% no deductible $0 70% 70% 70% 70% 70% 70% * Biotech Injectable copayment of $25 for the following drugs: Lupron, Zoladex, and Trelstar. ** Urgent and emergency services received outside of the U.S. are covered at the out-of-network benefit level. *** If a colonoscopy is performed in the Outpatient Surgery Unit of an acute care facility or Ambulatory Surgical Center, the Outpatient Surgery Facility copay applies. + There are two tiers of cost sharing, one for lower-cost (Tier 1) Hospitals, and another for higher-cost (Tier II) hospitals with the AmeriHealth hospital network. AmeriHealth 65 members will continue to have access to all hospitals in the AmeriHealth network. 2 of 4 www.amerihealth.com 01/06 Facility Ancillary Inpatient Hospital+ AmeriHealth 65 Plus Medical Only AmeriHealth 65 Plus Rx Option II Tier 1 Tier 1 $100/day $500/stay $100/day $500/stay Tier 2 Tier 2 $200/day $1,000/ $200/day $1,000/ stay stay Out-of-Network 70% Tier 1 $75 Tier 2 $150 Tier 1 $75 Tier 2 $150 70% $25/day $25/day 70% Home Health Care $0 $0 70% Hospice $0 $0 70% Inpatient Mental Health Facility 190 day lifetime maximum $100/day/$500/ stay Separate Mental Health Out-of-Pocket cost share $100/day/$500/ stay Separate Mental Health Out-of-Pocket cost share 70% Inpatient Substance Abuse 190 day lifetime maximum $100/day/$500/ stay Separate Mental Health Out-of-Pocket cost share $100/day/$500/ stay Separate Mental Health Out-of-Pocket cost share 70% $0 $0 70% Emergency Room - not waived if admitted** $50 $50 $50 Ambulance $50 $50 70% Outpatient Surgery (per date of service)*+ Skilled Nursing Facility (100 days per Medicare benefit period) Inpatient Non-Hospital (Residential) Days 90 day lifetime maximum Dialysis Durable Medical Equipment Diabetes Self-Monitoring Training and Supplies Prosthetics Certain Covered Injectables* $0 $0 70% 20% 20% 50% $0 $0 70% 20% 20% 50% $25 $25 70% AmeriHealth 65 Plus Medical Only AmeriHealth 65 Plus Rx Option II Out-of-Network N/A N/A N/A Actuarial Equivalent Part D N/A $5/$20/$40 Up to $1,800 (paid by member and plan) After member’s True Out-Of-Pocket cost (TrOOP) reaches $3,600, members will pay the greater of 5% coinsurance or $2 generic and $5 brand copay thereafter. Member pays in full and is reimbursed entire amount minus applicable copay of $5/$20/$40 Enhanced Part D N/A N/A N/A Prescription Drug Benefit Standard Part D 01/06 www.amerihealth.com 3 of 4 AmeriHealth 65® Plus (Open Access) (NJ only) AmeriHealth 65® Plus (Open Access POS) (NJ only) AmeriHealth 65® Plus (Open Access) (NJ only) AmeriHealth 65® Plus (Open Access POS) (NJ only) AmeriHealth 65 Plus Prior Authorization Requirements All services listed require prior authorization in-network and out-of-network (unless otherwise specified). It is the member’s responsibility to obtain prior authorization for out-of-network services (see the Penalties section for more information). Inpatient Services Surgical/Non-Surgical Inpatient Admissions Acute Rehab Skilled Nursing Facility Inpatient Hospice Maternity Admission (for notification only) Outpatient Facility/Office Services (other than Inpatient) Infusion Therapy (except cancer chemotherapy, whole blood, and/or blood plasma) in outpatient facility and office Hysterectomy Cataract Surgery Nasal Surgery for Submucous Resection and/or Septoplasty Dental Services as a result of accidental injury Day Rehabilitation Programs Transplants (except cornea) Comprehensive Outpatient Pain Management Programs (including epidural injections) Obesity Surgery Sleep Studies Uvulopalatopharyngoplasty (including laser-assisted) Radiological Services MRI/MRA CT/CTA Scan Reconstructive Procedures and Potentially Cosmetic Procedures PET Scan Nuclear Cardiac Studies Abdominoplasty Augmentation Mammoplasty Blepharoplasty Chemical Peels Dermabrasion Excision of Redundant Skin Keloid Removal Lipectomy/Liposuction Orthognathic Surgery Procedures Mastopexy Otoplasty Panniculectomy Reduction Mammoplasty Removal or Reinsertion of Breast Implants Rhinoplasty Surgery for Varicose Veins Scar Revision Subcutaneous Mastectomy for Gynecomastia All Home Care Services (including Infusion Therapy in the home) Birthing Center (for notification only) Elective (non-emergency) Ambulance Transport Outpatient Private Duty Nursing Prosthetics and Orthotics – Purchase items over $100, including repairs and replacements Durable Medical Equipment – Purchase items over $100, including repairs and replacements, and ALL rentals (except oxygen, diabetic supplies, and/or unit dose medication for nebulizer) Biotech/Specialty Injectable Drugs Psychiatric/Serious Mental Illness/Substance Abuse – Inpatient/Outpatient/Partial: In-network and out-of-network In addition to the prior authorization requirements listed above, prior authorization should be obtained for certain categories of treatment so that the member will know prior to receiving treatment whether it is a covered service. This applies to network providers and members who elect to receive treatment that is provided by out-of-network providers. The categories of treatment (in any setting) include: • Any surgical procedure that may be considered potentially cosmetic. • Any procedure, treatment, drug, or device that represents “new or emerging technology.” • Services that might be considered experimental/investigative. If a member is seeking care out-of-network, that member’s provider should be able to assist the member in determining whether a proposed treatment falls into one of the categories listed above. Members are encouraged to have their provider initiate prior authorization. Penalties for lack of prior authorization: In-Network: It is the network provider’s responsibility to obtain prior authorization for the services that are listed above. Members are held harmless from payment if the network provider does not obtain prior authorization. Out-of-Network: It is the member’s responsibility to initiate prior authorization for the services listed. The member will be subject to payment in full if prior authorization is not obtained for the inpatient/outpatient treatment services that are listed above. Please note that in accordance with Medicare payment rules, providers who do not participate with the Plan, must accept as payment in full the amounts that could be collected if the member was enrolled in Original Medicare, less any applicable cost sharing. This prior authorization list is subject to change. ALL R 4 of 4 www.amerihealth.com TRADES IED PRINTING UNION LABEL 13 COUNCIL SCRANTON 01/06 AmeriHealth PPO HSA-qualified High Deductible Health Plans Overview .....2 AmeriHealth PPO HSA-qualified High Deductible Health Plans Professional Provider Copayment and Coinsurance Information ..................2 AmeriHealth PPO HSA-qualified High Deductible Health Plans Benefit Information ....................................................................................4 In-Network Copayment/Deductible/Coinsurance Summary .........................12 Precertification Requirements ......................................................................13 Biotech/Specialty Injectables Information ....................................................15 Benefit Exclusions .......................................................................................16 ALL R TRADES IED PRINTING UNION LABEL COUNCIL 13 SCRANTON 01/06 www.amerihealth.com 1 of 20 AmeriHealth PPO HSA-qualified High Deductible Health Plans (DE only) AmeriHealth PPO HSA-qualified High Deductible Health Plans (DE only) AmeriHealth PPO HSA-qualified High Deductible Health Plans (DE only) AmeriHealth PPO HSA-qualified High Deductible Health Plans (DE only) AmeriHealth PPO HSA-qualified High Deductible Health Plans Overview Sample Personal Choice HSA-qualified High Deductible Identification Card Eight new AmeriHealth PPO HSA-qualified High Deductible Health Plans provide employer groups the opportunity to offer AmeriHealth PPO programs with benefit designs that allow members to establish Health Savings Accounts (HSAs). HSAs are member-owned personal savings accounts and provide a tax-advantaged savings vehicle for medical expenses. HSAs may only be used in conjunction with HSA-qualified health plans. Used when integrated Rx included in HSA-qualified HDHP Identification Cards On the member’s AmeriHealth PPO identification card (ID), a line of text identifies the AmeriHealth PPO HSAqualified High Deductible Health Plan (HDHP) option in which the member is enrolled. For example, an ID card that reads HDHP–HD1-HC1 indicates that a member is enrolled in a program that includes a $1,500 deductible for single contracts and a $3,000 deductible for a family contract (HD1). HC1 indicates that the member’s plan is an 80% network coinsurance Plan—AmeriHealth pays 80% of Plan allowance after deductible for most eligible services. Please call Provider Services with questions regarding the new AmeriHealth PPO HSA-qualified High Deductible Health Plans. In-Network Calendar Year Deductible Options AmeriHealth PPO HSA-qualified High Deductible Health Plans: Professional Provider Copayment and Coinsurance Information The new HSA-qualified High Deductible options offer a choice of four standard deductible options that range from $1,500 to $3,000. The chosen deductible option can then be combined with a choice of two co-insurance options of either 100% or 80%. A $20 copay is applicable to preventive care visits and routine gynecological examinations with no deductible. Routine mammograms and pediatric immunizations are not subject to deductible or coinsurance. HD1 HD2 HD3 HD4 $1,500 single $3,000 family $2,000 single $4,000 family $2,500 single $5,000 family $3,000 single $6,000 family One deductible option above should be combined with one coinsurance option below: HC1 In Network Coinsurance Options HC2 100% 80% The chosen combination can include: Integrated Prescription Drug 2 of 20 Participating Caremark Pharmacies: $5 generic formulary/ $20 brand formulary/ $45 non-formulary copayment after deductible Participating Caremark Pharmacies: $5 generic formulary/ $20 brand formulary/ $45 non-formulary copayment after deductible Participating Caremark Pharmacies: $5 generic formulary/ $20 brand ormulary/ $45 non-formulary copayment after deductible Participating Caremark Pharmacies: $5 generic formulary/ $20 brand formulary/ $45 non-formulary copayment after deductible Non-Participating Pharmacies: 50% after deductible Non-Participating Pharmacies: 50% after deductible Non-Participating Pharmacies: 50% after deductible Non-Participating Pharmacies: 50% after deductible www.amerihealth.com 01/06 Please note: Single deductible and out-of-pocket maximum apply when an individual is enrolled without dependents. Family deductible and out-of-pocket maximum apply when an individual and one or more dependents are enrolled. The entire family deductible must be met before benefits are paid. Important differences between the existing standard AmeriHealth PPO programs and the AmeriHealth PPO HSA-qualified High Deductible Health Plans are: • Office visits are subject to deductible and coinsurance; however, network preventive office visits and routine gynecological examinations are subject to a $20 office visit copayment. • Deductible and coinsurance apply to all Durable Medical Equipment (DME) and prosthetics, including services that are provided in a physician’s office. When applicable, member copays may be collected at the time of service (i.e., preventive office visits and routine gynecological exams). For all other services in order to ensure that members are billed correctly, claims should be adjudicated by AmeriHealth before the member is billed. Precertification Requirements Precertification requirements for the AmeriHealth PPO HSA-qualified High Deductible Health Plans are consistent with those in the Flex Copay Series programs. Precertification is not required for physical therapy, occupational therapy, speech therapy, cardiac and pulmonary rehabilitation, and/or spinal manipulations. These benefits have limits on the total number of visits under the AmeriHealth PPO HSA-qualified High Deductible Health Plans. Physical and occupational therapy benefits are limited to 30 combined visits per calendar year. Speech therapy is limited to 20 visits per calendar year. Biotech/Specialty Injectables All injectables that are shown on the Biotech/Specialty injectables list must be obtained through the Direct Ship Program. Injectables are subject to applicable deductible and coinsurance. Please note: Biotech/Specialty injectables that are provided in the physician’s office and from a physician’s supply are also subject to applicable Pharmacy Services prior to the administration of any Biotech/Specialty injectable. Precertification is required for the listed Biotech/Specialty injectables and is facilitated via the Direct Ship process. Standard office-based injectables, such as antibiotics and steroids, are also subject to a member’s applicable deductible and coinsurance. 01/06 www.amerihealth.com 3 of 20 AmeriHealth PPO HSA-qualified High Deductible Health Plans (DE only) AmeriHealth PPO HSA-qualified High Deductible Health Plans (DE only) AmeriHealth PPO HSA-qualified High Deductible Health Plans (DE only) AmeriHealth PPO HSA-qualified High Deductible Health Plans (DE only) AmeriHealth PPO HSA-qualified High Deductible Health Plans Benefit Information HD1-HC1 In-Network Calendar Year Deductible Coinsurance $1,500 Single $3,000 Family HD2-HC1 Out-ofNetwork $5,000 Single $10,000 Family In-Network $2,000 Single $4,000 Family Out-ofNetwork $5,000 Single $10,000 Family HD3-HC1 In-Network $2,500 Single $5,000 Family Out-ofNetwork $5,000 Single $10,000 Family HD4-HC1 In-Network $3,000 Single $6,000 Family Out-ofNetwork $5,000 Single $10,000 Family 100% 50% 100% 50% 100% 50% 100% 50% Calendar Year Out-ofPocket Maximum (includes deductible, copays and coinsurance) $5,250 Single $10,500 Family $10,000 Single $20,000 Family $5,250 Single $10,500 Family $10,000 Single $20,000 Family $5,250 Single $10,500 Family $10,000 Single $20,000 Family $5,250 Single $10,500 Family $10,000 Single $20,000 Family Lifetime Maximum Unlimited $500,000 Unlimited $500,000 Unlimited $500,000 Unlimited $500,000 100% after deductible 100% after deductible 100% after deductible 50% after deductible Primary Care Office Visit 100% after deductible 50% after deductible 100% after deductible 50% after deductible 100% after deductible 50% after deductible OB-GYN Office Visit 100% after deductible 50% after deductible 100% after deductible 50% after deductible 100% after deductible 50% after deductible Specialist Office Visit 100% after deductible 50% after deductible 100% after deductible 50% after deductible 100% after deductible 50% after deductible Physical/Occupational Therapy 30 visits per calendar year combined in/out-of-network 100% after deductible 50% after deductible 100% after deductible 50% after deductible 100% after deductible 50% after deductible 100% after deductible 50% after deductible 100% after deductible 50% after deductible 100% after deductible 50% after deductible 100% after deductible 50% after deductible 100% after deductible 50% after deductible 100% after deductible 50% after deductible 100% after deductible 50% after deductible 100% after deductible 50% after deductible 100% after deductible 50% after deductible 100% after deductible 50% after deductible 100% after deductible 50% after deductible 100% after deductible 50% after deductible 100% after deductible 50% after deductible 100% after deductible 50% after deductible 100% after deductible 50% after deductible 100% after deductible 50% after deductible 100% after deductible 50% after deductible 100% after deductible 50% after deductible Outpatient Lab/ Pathology (fac & lab) 100% after deductible 50% after deductible 100% after deductible 50% after deductible 100% after deductible 50% after deductible 100% after deductible 50% after deductible Outpatient X-Ray/ Radiology/ Diagnostic Routine Radiology/ Diagnostic MRI/MRA CT/PET Scans 100% after deductible 50% after deductible 100% after deductible 50% after deductible 100% after deductible 50% after deductible 100% after deductible 50% after deductible Outpatient Mental Health 20 visits per calendar year combined in/out-of-network 100% after deductible 50% after deductible 100% after deductible 50% after deductible 100% after deductible 50% after deductible 100% after deductible 50% after deductible Outpatient Substance Abuse 60 visits per calendar year 120 visits per lifetime combined in/out-of-network 100% after deductible 50% after deductible 100% after deductible 50% after deductible 100% after deductible 50% after deductible 100% after deductible 50% after deductible Spinal Manipulations 20 visits per calendar year combined in/out-of-network Speech Therapy 20 visits per calendar year combined in/out-of-network Cardiac Rehab 36 sessions per calendar year combined in/out-ofnetwork Pulmonary Rehab 36 sessions per calendar year combined in/out-ofnetwork Orthoptic/Pleoptic Therapy 8 sessions per lifetime combined in/out-of-network 4 of 20 www.amerihealth.com 100% after deductible 100% after deductible 100% after deductible 50% after deductible 50% after deductible 50% after deductible 50% after deductible 50% after deductible 01/06 HD1-HC1 HD2-HC1 HD3-HC1 100% after deductible 50% after deductible; Alcohol and Drug Dependency out-ofnetwork outpatient visits are applied toward the Substance Abuse outpatient visit calendar year and lifetime maximums 100% after deductible 50% after deductible; Serious Mental Illness out-of-network outpatient visits are applied toward the Mental Health Care outpatient visit calendar year maximum 50%, NO deductible $20 copay, NO deductible $20 copay, NO deductible 50%, NO deductible Mammography 100%, NO deductible Pediatric Immunizations HD4-HC1 100% after deductible 50% after deductible; Alcohol and Drug Dependency out-ofnetwork outpatient visits are applied toward the Substance Abuse outpatient visit calendar year and lifetime maximums 100% after deductible 50% after deductible; Serious Mental Illness outof-network outpatient visits are applied toward the Mental Health Care outpatient visit calendar year maximum 100% after deductible 50% after deductible; Serious Mental Illness outof-network outpatient visits are applied toward the Mental Health Care outpatient visit calendar year maximum 50%, NO deductible $20 copay, NO deductible 50%, NO deductible $20 copay, NO deductible 50%, NO deductible $20 copay, NO deductible 50%, NO deductible $20 copay, NO deductible 50%, NO deductible $20 copay, NO deductible 50%, NO deductible 50%, NO deductible 100%, NO deductible 50%, NO deductible 100%, NO deductible 50%, NO deductible 100%, NO deductible 50%, NO deductible 100%, NO deductible 50%, NO deductible 100%, NO deductible 50%, NO deductible 100%, NO deductible 50%, NO deductible 100%, NO deductible 50%, NO deductible Injectable Medications Standard injectables (e.g. steroids) Biotech/Specialty Injectables 100% after deductible 100% after deductible 50% after deductible 50% after deductible 100% after deductible 100% after deductible 50% after deductible 50% after deductible 100% after deductible 100% after deductible 50% after deductible 50% after deductible Maternity 1st Visit 100% after deductible 50% after deductible 100% after deductible 50% after deductible 100% after deductible 50% after deductible 100% after deductible 50% after deductible; Alcohol and Drug Dependency out-of-network outpatient visits are applied toward the Substance Abuse outpatient visit calendar year and lifetime maximums 100% after deductible 50% after deductible; Serious Mental Illness out-of-network outpatient visits are applied toward the Mental Health Care outpatient visit calendar year maximum Preventive Visits (Pediatric/Adult) $20 copay, NO deductible Routine Gynecological Exam/Pap (1 per calendar year regardless of age, in/out-of-network combined) Outpatient Alcohol and Drug Dependency Outpatient Serious Mental Illness 01/06 100% after deductible 50% after deductible; Alcohol and Drug Dependency out-of-network outpatient visits are applied toward the Substance Abuse outpatient visit calendar year and lifetime maximums www.amerihealth.com 100% after deductible 100% after deductible 100% after deductible 50% after deductible 50% after deductible 50% after deductible 5 of 20 AmeriHealth PPO HSA-qualified High Deductible Health Plans (DE only) AmeriHealth PPO HSA-qualified High Deductible Health Plans (DE only) AmeriHealth PPO HSA-qualified High Deductible Health Plans (DE only) AmeriHealth PPO HSA-qualified High Deductible Health Plans (DE only) HD1-HC1 HD2-HC1 HD3-HC1 HD4-HC1 Home Health Care 100% after deductible 50% after deductible 100% after deductible 50% after deductible 100% after deductible 50% after deductible 100% after deductible 50% after deductible Chemo/Radiation/ Infusion 100% after deductible 50% after deductible 100% after deductible 50% after deductible 100% after deductible 50% after deductible 100% after deductible 50% after deductible Inpatient Hospital Not waived if readmitted within 90 days of discharge 100% after deductible Unlimited days 50% after deductible 70 days per cal/yr 100% after deductible Unlimited days 50% after deductible 70 days per cal/yr 100% after deductible Unlimited days 50% after deductible 70 days per cal/yr 100% after deductible Unlimited days 50% after deductible 70 days per cal/yr Outpatient Surgery 100% after deductible 50% after deductible 100% after deductible 50% after deductible 100% after deductible 50% after deductible 100% after deductible 50% after deductible Anesthesia 100% after deductible 50% after deductible 100% after deductible 50% after deductible 100% after deductible 50% after deductible 100% after deductible 50% after deductible Surgeon/Assistant Surgeon 100% after deductible 50% after deductible 100% after deductible 50% after deductible 100% after deductible 50% after deductible 100% after deductible 50% after deductible Skilled Nursing Facility 120 days per calendar year in/out-of-network combined 100% after deductible 50% after deductible 100% after deductible 50% after deductible 100% after deductible 50% after deductible 100% after deductible 50% after deductible Hospice 100% after deductible 50% after deductible 100% after deductible 50% after deductible 100% after deductible 50% after deductible 100% after deductible 50% after deductible Inpatient Mental Health 30 days per calendar year combined in/out-of-network 100% after deductible 50% after deductible 100% after deductible 50% after deductible 100% after deductible 50% after deductible 100% after deductible 50% after deductible Inpatient Substance Abuse-Detox 7 days per admission 4 admissions per lifetime combined in/out-of-network 100% after deductible 50% after deductible 100% after deductible 50% after deductible 100% after deductible 50% after deductible 100% after deductible 50% after deductible Inpatient Substance Abuse-Residential 30 days per calendar year 90 days per lifetime combined in/out-of-network 100% after deductible 50% after deductible 100% after deductible 50% after deductible 100% after deductible 50% after deductible 100% after deductible 50% after deductible Inpatient Alcohol and Drug Dependency Detox 6 of 20 100% after deductible 50% after deductible; Alcohol and Drug Dependency Detox days are applied toward the Substance Abuse Detox day and lifetime maximums 100% after deductible 50% after deductible; Alcohol and Drug Dependency Detox days are applied toward the Substance Abuse Detox day and lifetime maximums 100% after deductible www.amerihealth.com 50% after deductible; Alcohol and Drug Dependency Detox days are applied toward the Substance Abuse Detox day and lifetime maximums 100% after deductible 50% after deductible; Alcohol and Drug Dependency Detox days are applied toward the Substance Abuse Detox day and lifetime maximums 01/06 HD1-HC1 HD2-HC1 HD3-HC1 HD4-HC1 100% after deductible 50% after deductible; Alcohol and Drug Dependency out-ofnetwork Residential days are applied toward the Substance Abuse Residential day calendar year and lifetime maximums 100% after deductible 50% after deductible; Serious Mental Illness outof-network inpatient days are applied toward the Mental Health Care inpatient day calendar year maximum 100% after deductible 50% after deductible; Alcohol and Drug Dependency out-ofnetwork Residential days are applied toward the Substance Abuse Residential day calendar year and lifetime maximums 100% after deductible 50% after deductible; Serious Mental Illness out-of-network inpatient days are applied toward the Mental Health Care inpatient day calendar year maximum 100% after deductible 50% after deductible; Serious Mental Illness outof-network inpatient days are applied toward the Mental Health Care inpatient day calendar year maximum Covered at In-Network level 100% after deductible Covered at In-Network level 100% after deductible Covered at In-Network level 100% after deductible 50% after deductible 100% after deductible 50% after deductible 100% after deductible 50% after deductible Dialysis 100% after deductible 50% after deductible 100% after deductible 50% after deductible 100% after deductible 50% after deductible Outpatient Private Duty Nursing 360 hours per calendar year in/out-of-network combined 100% after deductible 50% after deductible 100% after deductible 50% after deductible 100% after deductible 50% after deductible 100% after deductible 50% after deductible DME 100% after deductible 50% after deductible $2,500 benefit max per cal/yr 100% after deductible 50% after deductible $2,500 benefit max per cal/yr 100% after deductible 50% after deductible $2,500 benefit max per cal/yr 100% after deductible 50% after deductible $2,500 benefit max per cal/yr Prosthetics/Orthotics 100% after deductible 50% after deductible 100% after deductible 50% after deductible 100% after deductible 50% after deductible 100% after deductible 50% after deductible 100% after deductible 50% after deductible; Alcohol and Drug Dependency out-of-network Residential days are applied toward the Substance Abuse Residential day calendar year and lifetime maximums 100% after deductible 50% after deductible; Serious Mental Illness out-of-network inpatient days are applied toward the Mental Health Care inpatient day calendar year maximum Emergency Room NOT waived if admitted 100% after deductible Ambulance Transport (elective) Inpatient Alcohol and Drug Dependency Residential Inpatient Serious Mental Illness 100% after deductible In-Network Calendar Year Deductible 01/06 $1,500 Single $3,000 Family 50% after deductible; Alcohol and Drug Dependency out-of-network Residential days are applied toward the Substance Abuse Residential day calendar year and lifetime maximums Out-ofNetwork $5,000 Single $10,000 Family In-Network $2,000 Single $4,000 Family Out-ofNetwork $5,000 Single $10,000 Family In-Network $2,500 Single $5,000 Family www.amerihealth.com Out-ofNetwork $5,000 Single $10,000 Family 100% after deductible 100% after deductible 100% after deductible In-Network $3,000 Single $6,000 Family Covered at In-Network level 50% after deductible 50% after deductible Out-ofNetwork $5,000 Single $10,000 Family 7 of 20 AmeriHealth PPO HSA-qualified High Deductible Health Plans (DE only) AmeriHealth PPO HSA-qualified High Deductible Health Plans (DE only) AmeriHealth PPO HSA-qualified High Deductible Health Plans (DE only) AmeriHealth PPO HSA-qualified High Deductible Health Plans (DE only) HD1-HC1 Coinsurance HD2-HC1 HD3-HC1 HD4-HC1 80% 50% 80% 50% 80% 50% 80% 50% $5,100 Single $10,200 Family $10,000 Single $20,000 Family $5,100 Single $10,200 Family $10,000 Single $20,000 Family $5,100 Single $10,200 Family $10,000 Single $20,000 Family $5,100 Single $10,200 Family $10,000 Single $20,000 Family Lifetime Maximum Unlimited $500,000 Unlimited $500,000 Unlimited $500,000 Unlimited $500,000 Primary Care Office Visit 80% after deductible 50% after deductible 80% after deductible 50% after deductible 80% after deductible 50% after deductible 80% after deductible 50% after deductible OB-GYN Office Visit 80% after deductible 50% after deductible 80% after deductible 50% after deductible 80% after deductible 50% after deductible 80% after deductible 50% after deductible Specialist Office Visit 80% after deductible 50% after deductible 80% after deductible 50% after deductible 80% after deductible 50% after deductible 80% after deductible 50% after deductible Physical/Occupational Therapy 30 visits per calendar year combined in/out-of-network 80% after deductible 50% after deductible 80% after deductible 50% after deductible 80% after deductible 50% after deductible 80% after deductible 50% after deductible Spinal Manipulations 20 visits per calendar year combined in/out-of-network 80% after deductible 50% after deductible 80% after deductible 50% after deductible 80% after deductible 50% after deductible 80% after deductible 50% after deductible Speech Therapy 20 visits per calendar year combined in/out-of-network 80% after deductible 50% after deductible 80% after deductible 50% after deductible 80% after deductible 50% after deductible 80% after deductible 50% after deductible Cardiac Rehab 36 sessions per calendar year combined in/out-ofnetwork 80% after deductible 50% after deductible 80% after deductible 50% after deductible 80% after deductible 50% after deductible 80% after deductible 50% after deductible Pulmonary Rehab 36 sessions per calendar year combined in/out-ofnetwork 80% after deductible 50% after deductible 80% after deductible 50% after deductible 80% after deductible 50% after deductible 80% after deductible 50% after deductible Orthoptic/Pleoptic Therapy 8 sessions per lifetime combined in/out-of-network 80% after deductible 50% after deductible 80% after deductible 50% after deductible 80% after deductible 50% after deductible 80% after deductible 50% after deductible Outpatient Lab/ Pathology (fac & lab) 80% after deductible 50% after deductible 80% after deductible 50% after deductible 80% after deductible 50% after deductible 80% after deductible 50% after deductible Outpatient X-Ray/ Radiology/ Diagnostic Routine Radiology/ Diagnostic MRI/MRA CT/PET Scans 80% after deductible 50% after deductible 80% after deductible 50% after deductible 80% after deductible 50% after deductible 80% after deductible Outpatient Mental Health 20 visits per calendar year combined in/out-of-network 80% after deductible 50% after deductible 80% after deductible 50% after deductible 80% after deductible 50% after deductible 80% after deductible 50% after deductible Outpatient Substance Abuse 60 visits per calendar year 120 visits per lifetime combined in/out-of-network 80% after deductible 50% after deductible 80% after deductible 80% after deductible 50% after deductible 80% after deductible 50% after deductible Calendar Year Out-ofPocket Maximum (includes deductible, copays and coinsurance) 8 of 20 50% after deductible www.amerihealth.com 50% after deductible 01/06 HD1-HC1 HD2-HC1 HD3-HC1 80% after deductible 50% after deductible; Alcohol and Drug Dependency out-ofnetwork outpatient visits are applied toward the Substance Abuse outpatient visit calendar year and lifetime maximums 80% after deductible 50% after deductible; Serious Mental Illness out-of-network outpatient visits are applied toward the Mental Health Care outpatient visit calendar year maximum 50%, NO deductible $20 copay, NO deductible $20 copay, NO deductible 50%, NO deductible Mammography 100%, NO deductible Pediatric Immunizations HD4-HC1 80% after deductible 50% after deductible; Alcohol and Drug Dependency out-ofnetwork outpatient visits are applied toward the Substance Abuse outpatient visit calendar year and lifetime maximums 80% after deductible 50% after deductible; Serious Mental Illness outof-network outpatient visits are applied toward the Mental Health Care outpatiient visit calendar year maximum 80% after deductible 50% after deductible Serious Mental Illness outof-network outpatient visits are applied toward the Mental Health Care outpatient visit calendar year maximum 50%, NO deductible $20 copay, NO deductible 50%, NO deductible $20 copay, NO deductible 50%, NO deductible $20 copay, NO deductible 50%, NO deductible $20 copay, NO deductible 50%, NO deductible $20 copay, NO deductible 50%, NO deductible 50%, NO deductible 100%, NO deductible 50%, NO deductible 100%, NO deductible 50%, NO deductible 100%, NO deductible 50%, NO deductible 100%, NO deductible 50%, NO deductible 100%, NO deductible 50%, NO deductible 100%, NO deductible 50%, NO deductible 100%, NO deductible 50%, NO deductible Injectable Medications Standard injectables (e.g. steroids) Biotech/Specialty Injectables 80% after deductible 80% after deductible 50% after deductible 50% after deductible 80% after deductible 80% after deductible 50% after deductible 50% after deductible 80% after deductible 80% after deductible 50% after deductible 50% after deductible 80% after deductible 80% after deductible 50% after deductible 50% after deductible Maternity 1st Visit 80% after deductible 50% after deductible 80% after deductible 50% after deductible 80% after deductible 50% after deductible 80% after deductible 50% after deductible 80% after deductible 50% after deductible; Alcohol and Drug Dependency out-of-network outpatient visits are applied toward the Substance Abuse outpatient visit calendar year and lifetime maximums 80% after deductible 50% after deductible; Serious Mental Illness out-of-network outpatient visits are applied toward the Mental Health Care outpatient visit calendar year maximum Preventive Visits (Pediatric/Adult) $20 copay, NO deductible Routine Gynecological Exam/Pap (1 per calendar year regardless of age, in/out-of-network combined) Outpatient Alcohol and Drug Dependency Outpatient Serious Mental Illness 01/06 80% after deductible 50% after deductible; Alcohol and Drug Dependency out-of-network outpatient visits are applied toward the Substance Abuse outpatient visit calendar year and lifetime maximums www.amerihealth.com 9 of 20 AmeriHealth PPO HSA-qualified High Deductible Health Plans (DE only) AmeriHealth PPO HSA-qualified High Deductible Health Plans (DE only) AmeriHealth PPO HSA-qualified High Deductible Health Plans (DE only) AmeriHealth PPO HSA-qualified High Deductible Health Plans (DE only) HD1-HC1 HD2-HC1 HD3-HC1 HD4-HC1 Home Health Care 80% after deductible 50% after deductible 80% after deductible 50% after deductible 80% after deductible 50% after deductible 80% after deductible 50% after deductible Chemo/Radiation/ Infusion 80% after deductible 50% after deductible 80% after deductible 50% after deductible 80% after deductible 50% after deductible 80% after deductible 50% after deductible Inpatient Hospital Not waived if readmitted within 90 days of discharge 80% after deductible Unlimited days 50% after deductible 70 days per cal/yr 80% after deductible Unlimited days 50% after deductible 70 days per cal/yr 80% after deductible Unlimited days 50% after deductible 70 days per cal/yr 80% after deductible Unlimited days 50% after deductible 70 days per cal/yr Outpatient Surgery 80% after deductible 50% after deductible 80% after deductible 50% after deductible 80% after deductible 50% after deductible 80% after deductible 50% after deductible Anesthesia 80% after deductible 50% after deductible 80% after deductible 50% after deductible 80% after deductible 50% after deductible 80% after deductible 50% after deductible 80% after deductible 50% after deductible 80% after deductible 50% after deductible 80% after deductible 50% after deductible 80% after deductible 50% after deductible 80% after deductible 50% after deductible 80% after deductible 50% after deductible 80% after deductible 50% after deductible 80% after deductible 50% after deductible Hospice 80% after deductible 50% after deductible 80% after deductible 50% after deductible 80% after deductible 50% after deductible 80% after deductible 50% after deductible Inpatient Mental Health 30 days per calendar year combined in/out-of-network 80% after deductible 50% after deductible 80% after deductible 50% after deductible 80% after deductible 50% after deductible 80% after deductible 50% after deductible Inpatient Substance Abuse-Detox 7 days per admission 4 admissions per lifetime combined in/out-of-network 80% after deductible 50% after deductible 80% after deductible 50% after deductible 80% after deductible 50% after deductible 80% after deductible 50% after deductible Inpatient Substance Abuse-Residential 30 days per calendar year 90 days per lifetime combined in/out-of-network 80% after deductible 50% after deductible 80% after deductible 50% after deductible 80% after deductible 50% after deductible 80% after deductible 50% after deductible 80% after deductible 50% after deductible Alcohol and Drug Dependency out-of-network outpatient days are applied toward the Substance Abuse outpatient Detox days year and lifetime maximums 80% after deductible 50% after deductible Alcohol and Drug Dependency out-of-network outpatient days are applied toward the Substance Abuse outpatient Detox days year and lifetime maximums 80% after deductible 50% after deductible Alcohol and Drug Dependency out-ofnetwork outpatient days are applied toward the Substance Abuse outpatient Detox days year and lifetime maximums 80% after deductible 50% after deductible Alcohol and Drug Dependency out-ofnetwork outpatient days are applied toward the Substance Abuse outpatient Detox days year and lifetime maximums Surgeon/Assistant Surgeon Skilled Nursing Facility 120 days per calendar year in/out-of-network combined Inpatient Alcohol and Drug Dependency Detox 10 of 20 www.amerihealth.com 01/06 HD1-HC1 HD2-HC1 HD3-HC1 80% after deductible 50% after deductible Alcohol and Drug Dependency out-ofnetwork outpatient days are applied toward the Substance Abuse outpatient Residential days year and lifetime maximums 80% after deductible 50% after deductible Serious Mental Illness out-of-network inpatient days are applied toward the Mental Health Care inpatient days calendar year maximums Covered at In-Network level 80% after deductible 80% after deductible 50% after deductible Dialysis 80% after deductible Outpatient Private Duty Nursing 360 hours per calendar year in/out-of-network combined HD4-HC1 80% after deductible 50% after deductible Alcohol and Drug Dependency out-ofnetwork outpatient days are applied toward the Substance Abuse outpatient Residential days year and lifetime maximums 80% after deductible 50% after deductible Serious Mental Illness outof-network inpatient days are applied toward the Mental Health Care inpatient days calendar year maximums 80% after deductible 50% after deductible Serious Mental Illness outof-network inpatient days are applied toward the Mental Health Care inpatient days calendar year maximums Covered at In-Network level 80% after deductible Covered at In-Network level 80% after deductible Covered at In-Network level 80% after deductible 50% after deductible 80% after deductible 50% after deductible 80% after deductible 50% after deductible 50% after deductible 80% after deductible 50% after deductible 80% after deductible 50% after deductible 80% after deductible 50% after deductible 80% after deductible 50% after deductible 80% after deductible 50% after deductible 80% after deductible 50% after deductible 80% after deductible 50% after deductible DME 80% after deductible 50% after deductible $2,500 benefit max per cal/yr 80% after deductible 50% after deductible $2,500 benefit max per cal/yr 80% after deductible 50% after deductible $2,500 benefit max per cal/yr 80% after deductible 50% after deductible $2,500 benefit max per cal/yr Prosthetics/Orthotics 80% after deductible 50% after deductible 80% after deductible 50% after deductible 80% after deductible 50% after deductible 80% after deductible 50% after deductible 80% after deductible 50% after deductible Alcohol and Drug Dependency out-of-network outpatient days are applied toward the Substance Abuse outpatient Residential days year and lifetime maximums 80% after deductible 50% after deductible Serious Mental Illness out-of-network inpatient days are applied toward the Mental Health Care inpatient days calendar year maximums Emergency Room NOT waived if admitted 80% after deductible Ambulance Transport (elective) Inpatient Alcohol and Drug Dependency Residential Inpatient Serious Mental Illness 80% after deductible 50% after deductible Alcohol and Drug Dependency out-of-network outpatient days are applied toward the Substance Abuse outpatient Residential days year and lifetime maximums Cost of Living Adjustment (COLA): The deductible and/or out-of-pocket maximum amounts may be adjusted annually for inflation based on the Consumer Price Index or other index used by the Federal Government and rounded up to the nearest $50 increment. 01/06 www.amerihealth.com 11 of 20 AmeriHealth PPO HSA-qualified High Deductible Health Plans (DE only) AmeriHealth PPO HSA-qualified High Deductible Health Plans (DE only) AmeriHealth PPO HSA-qualified High Deductible Health Plans (DE only) AmeriHealth PPO HSA-qualified High Deductible Health Plans (DE only) In-Network Copayment/Deductible/Coinsurance Summary Office Visits General Practice, Family Practice, Internal Medicine, Pediatricians and OB/GYNs Subject to Deductible and Coinsurance Specialist Visits Subject to Deductible and Coinsurance Preventive Visits (Pediatric and Adult) Pediatric Immunizations Routine GYN/Pap Subject to Copayment. No Deductible 100%, No Deductible Subject to Copayment. No Deductible Mammogram (Routine and Diagnostic) 100%, No Deductible After Hours Visits Home Visits Subject to Deductible and Coinsurance Subject to Deductible and Coinsurance Telephone Consult Spinal Manipulation Not Covered Subject to Deductible and Coinsurance Therapy Services Physical/Occupational, Speech, Cardiac Rehab, Pulmonary Rehab, Orthoptic/Pleoptic Subject to Deductible and Coinsurance Outpatient Lab/Pathology At time of physician office visit Outpatient facility and lab Subject to Deductible and Coinsurance Routine Radiology/X-Ray/Diagnostic Services Outpatient department of a hospital or freestanding radiology site Office Setting Emergency Room Subject to Deductible and Coinsurance Complex Radiology Services MRI/MRA, CT & PET Scans Outpatient department of a hospital or freestanding radiology site Emergency Room Subject to Deductible and Coinsurance Allergy Injections At time of physician office visit Provided without physician office visit Subject to Deductible and Coinsurance Biotech/Specialty Injectables Office-based or self-administered Office-Based Surgery Surgery in ER Post Surgical Visits Non-Routine GYN Visits Routine Obstetrical Visits First Obstetrical Visit Subsequent Obstetrical Visits DME Emergency Room Hospital Inpatient (includes acute care hospitals, mental health and substance abuse treatment facilities) Maternity Admissions Subject to Deductible and Coinsurance Skilled Nursing Facility Outpatient Surgery Outpatient Hospital Birth Center Ambulatory Surgi-center ER Setting Office Setting Subject to Deductible and Coinsurance 12 of 20 Subject to Deductible and Coinsurance Subject to Deductible and Coinsurance Subject to Deductible and Coinsurance Subject to Deductible and Coinsurance Subject to Deductible and Coinsurance Subject to Deductible and Coinsurance Subject to Deductible and Coinsurance Subject to Deductible and Coinsurance Subject to Deductible and Coinsurance Subject to Deductible and Coinsurance www.amerihealth.com 01/06 Precertification Requirements: All services listed require precertification in-network and out-of-network (unless otherwise specified). Inpatient Services Surgical/Non-Surgical Inpatient Admissions Acute Rehab Skilled Nursing Facility Inpatient Hospice Maternity Admission (for notification only) Outpatient Facility/Office Services (other than Inpatient) Infusion Therapy (except cancer chemotherapy, whole blood and blood plasma) in outpatient facility and office Hysterectomy Cataract Surgery Nasal Surgery for Submucous Resection, and Septoplasty Dental Services as a result of Accidental Injury Day Rehabilitation Programs Transplants (except cornea) Comprehensive Outpatient Pain Management Programs (including epidural injections) Obesity Surgery Sleep Studies Uvulopalatopharyngoplasty (including laser-assisted) Radiological Services MRI/MRA CT/CTA Scan PET Scan Nuclear Cardiac Studies Reconstructive Procedures and Potentially Cosmetic Procedures Abdominoplasty Augmentation Mammoplasty Blepharoplasty Chemical Peels Dermabrasion Excision of Redundant Skin Keloid Removal Lipectomy/Liposuction Orthognathic Surgery Procedures Mastopexy Otoplasty Panniculectomy Reduction Mammoplasty Removal or Reinsertion of Breast Implants Rhinoplasty Surgery for Varicose Veins Scar Revision Subcutaneous Mastectomy for Gynecomastia All Home Care Services (including Infusion Therapy in the home) Birthing Center (for notification only) Elective (non-emergency) Ambulance Transport Outpatient Private Duty Nursing Prosthetics and Orthotics – Purchase items over $100, including repairs and replacements Durable Medical Equipment – Purchase items over $100, including repairs and replacements, and ALL rentals (except oxygen, diabetic supplies, and unit dose medication for nebulizer) Biotech/Specialty Injectable Drugs Psychiatric/Serious Mental Illness/Substance Abuse – Inpatient/Outpatient/Partial: Innetwork and out-of-network 01/06 www.amerihealth.com 13 of 20 AmeriHealth PPO HSA-qualified High Deductible Health Plans (DE only) AmeriHealth PPO HSA-qualified High Deductible Health Plans (DE only) In addition to the precertification requirements listed above, the member should contact AmeriHealth and provide prior authorization for certain categories of treatment so that a member will know prior to receiving treatment whether or not it is a covered service. This applies to network providers and members who elect to receive treatment provided by AmeriHealth PPO or out-of-network providers. The categories of treatment (in any setting) include: • Any surgical procedure that may be considered potentially cosmetic. • Any procedure, treatment, drug, or device that represents “new or emerging technology.” Penalties for Lack of Precertification: In-Network: It is the network provider’s responsibility to obtain prior approval for the services that are listed above. Members are held harmless from financial penalties if the network provider does not obtain prior approval. Out-of-Network: It is the member’s responsibility to initiate precertification for the services listed. The member will be subject to a 20% reduction in benefits if prior approval is not obtained for the inpatient/outpatient treatment services that are listed above. This precertification list is subject to change annually. • Services that might be considered experimental/investigative. A member’s provider should be able to assist the member in determining whether a proposed treatment falls into one of these three categories. Members are encouraged to have their provider initiate prior authorization. : AmeriHealth PPO HSA-qualified High Deductible Health Plans (DE only) AmeriHealth PPO HSA-qualified High Deductible Health Plans (DE only) 14 of 20 www.amerihealth.com 01/06 Biotech/Specialty Injectables Information For AmeriHealth PPO HSA-qualified High Deductible Health Plan members, all injectables that are shown on the Biotech/Specialty Injectables list require precertification. Additionally, certain Biotech/Specialty Injectables require medical necessity review. Please reference the latest Biotech/ Specialty Injectables list to determine which injectables require medical necessity review. Also, look for updates to the Biotech/ Specialty Injectables list in future editions of Partners in Health Update. Procedures for Ordering and Billing Biotech/Specialty Injectables for AmeriHealth HSA-qualified High Deductible Health Plan members: • All injectables shown on the Biotech/Specialty Injectables list must be precertified through the Direct Ship Injectable Unit of Pharmacy Services at (888) 671-5280, option 4. • Contact the Direct Ship Injectable Unit of Pharmacy Services at (888) 671-5280, option 4 to initiate a request for precertification and to order Biotech/Specialty Injectables. Note: You will be asked to complete the Direct Ship Injectable Order Form to precertify and order Biotech/Specialty injectables. • The Direct Ship Injectable Unit of Pharmacy Services will facilitate shipping of the Biotech/Specialty Injectables to your office for administration, or to the member’s home for selfadministration. • Biotech/Specialty Injectables provided in the physician’s office from a physician’s supply are subject to the applicable deductible and coinsurance described in the member’s benefits. You must notify the Direct Ship Injectable Unit of Pharmacy Services prior to the administration of any Biotech/ Specialty Injectables. • To ensure that the member is billed correctly, claims for Biotech/Specialty Injectables ordered through the Direct Ship Injectable Unit should be adjudicated by AmeriHealth before the member is billed. The injectable vendor will bill members for their Biotech/Specialty Injectables. • To ensure that the member is billed correctly, claims should be adjudicated by AmeriHealth before the member is billed for Biotech/Specialty Injectables provided from your own supply. Standard office-based injectables that are not shown on the Biotech/Specialty Injectables list should not be ordered through Pharmacy Services. You may continue to bill standard injections, such as antibiotics and steroids, through the patient’s medical plan. If you have any questions concerning ordering injectables, please call the Direct Ship Unit of Pharmacy Services at (888) 671-5280, option 4. You may also access the Direct Ship on our website http://www.amerihealth.com/providers/resources/ pharmacy/index.html. • Failure to precertify any of the Biotech/Specialty Injectables on the following list will result in a claims denial. Claims denied for failure to precertify are not billable to the member. 01/06 www.amerihealth.com 15 of 20 AmeriHealth PPO HSA-qualified High Deductible Health Plans (DE only) AmeriHealth PPO HSA-qualified High Deductible Health Plans (DE only) AmeriHealth PPO HSA-qualified High Deductible Health Plans (DE only) AmeriHealth PPO HSA-qualified High Deductible Health Plans (DE only) Benefit Exclusions What is not covered: Except as specifically provided in this booklet/certificate, no benefits will be provided for services, supplies or charges: • Which are not Medically Appropriate/Medically Necessary as determined by the Carrier for the diagnosis or treatment of illness or injury; • Which are Experimental/Investigative in nature, except as approved by the Carrier, Routine Costs Associated With Clinical trials that meet the definition of Qualifying Clinical Trial under this booklet/certificate; • Which were incurred prior to the Covered Person’s effective date of coverage; • Which were or are incurred after the date of termination of the Covered Person’s coverage except as provided in the General Information section; • For any loss sustained or expenses incurred during military service while on active duty as a member of the armed forces of any nation; or as a result of enemy action or act of war, whether declared or undeclared; • For which a Covered Person would have no legal obligation to pay; • That are received from a dental or medical department maintained by or on behalf of an employer, a mutual benefit association, labor union, trust, or similar person or group; 16 of 20 • For payment made under Medicare when Medicare is primary or would have been made if the Covered Person had enrolled for Medicare and claimed Medicare benefits; however, this exclusion shall not apply when the Group is obligated by law to offer the Covered Person all the benefits of this Plan and the Covered Person so elects this Plan as primary; • For any occupational illness or bodily injury that occurs in the course of employment if benefits or compensation are available, in whole or in part, under the provisions of the Worker’s Compensation Law or any similar Occupational Disease Law or Act. This exclusion applies whether or not the Covered Person claims the benefits or compensation; • To the extent a Covered Person is legally entitled to receive when provided by the Veteran’s Administration or by the Department of Defense in a government facility reasonably accessible by the Covered Person; • For injuries that result from the maintenance or use of a motor vehicle if such treatment or service is paid under a plan or policy of motor vehicle insurance, including a certified self insured plan; • Which are not billed and performed by a Provider as defined under this coverage as a “Professional Provider”, “Facility Provider” or “Ancillary Provider” except as otherwise indicated under the subsections entitled: (a) Therapy Services” (that identifies covered therapy services as provided by licensed therapists) and (b) “Ambulance Services” in the Description of Benefits; www.amerihealth.com 01/06 • Which are rendered by a member of the Covered Person’s Immediate Family; • For marriage counseling; • For Custodial Care, domiciliary care or rest cures; • Which are performed by a Professional Provider enrolled in an education or training program when such services are related to the education or training program and are provided through a Hospital or university; • For ambulance services except as specifically provided under this Plan; • For services and operations for cosmetic purposes that are done to improve the appearance of any portion of the body, and from which no improvement in physiologic function can be expected. However, benefits are payable to correct a condition that results from an accident. Benefits are also payable to correct functional impairment which results from a covered disease, injury or congenital birth defect. This exclusion does not apply to mastectomy related charges as provided for and defined in the “Surgical Services” section in the Description of Benefits; • For telephone consultations, charges for failure to keep a scheduled visit, and/or charges for completion of a claim form; • For Alternative Therapies/Complementary Medicine, including but not limited to, acupuncture, music therapy, dance therapy, equestrian/hippotherapy, homeopathy, primal therapy, rolfing, psychodrama, vitamin and/or other dietary supplements and therapy, naturopathy, hypnotherapy, bioenergetic therapy Qi Gong, Ayurvedic therapy, aromatherapy, massage therapy, therapeutic touch, recreational, wilderness, educational and sleep therapies; • For equipment costs that are related to services that are performed on high cost technological equipment as defined by the Carrier, such as, but not limited to, computer tomography (CT) scanners, magnetic resonance imagers (MRI) and linear accelerators, unless the acquisition of such equipment by a Professional Provider was approved through the Certificate of Need (CON) process and/or by the Carrier; • For dental services relating to the care, filling, removal or replacement of teeth (including dental implants to replace teeth or to treat congenital anodontia, ectodermal dysplasia or dentinogenesis imperfecta), and the treatment of injuries to or diseases of the teeth, gums or structures directly supporting or attached to the teeth, except as otherwise specifically stated in this booklet/certificate. Services not covered include, but are not limited to, apicoectomy (dental root resection), prophylaxis of any kind, root canal treatments, soft tissue impactions, alveolectomy, bone grafts or other procedures provided to augment an atrophic mandible or maxilla in preparation of the mouth for dentures or dental implants, and/or treatment of periodontal disease unless otherwise indicated; • For dental implants for any reason; • For dentures, unless for the initial treatment of an Accidental Injury/trauma; • For orthodontic treatment, except for appliances used for palatal expansion to treat congenital cleft palate; • For injury as a results of chewing or biting (neither is considered an Accidental Injury); 01/06 www.amerihealth.com 17 of 20 AmeriHealth PPO HSA-qualified High Deductible Health Plans (DE only) AmeriHealth PPO HSA-qualified High Deductible Health Plans (DE only) AmeriHealth PPO HSA-qualified High Deductible Health Plans (DE only) AmeriHealth PPO HSA-qualified High Deductible Health Plans (DE only) • For palliative or cosmetic foot care including treatment of bunions (except for capsular or bone surgery), toenails (except surgery for ingrown nails), the treatment of subluxations of the foot, care of corns, calluses, fallen arches, pes planus (flat feet), weak feet, chronic foot strain, and other routine podiatry care, unless associated with the Medically Appropriate/Medically Necessary treatment of peripheral vascular disease and/or peripheral neuropathic disease, including but not limited to diabetes; • For any treatment that leads to or in connection with transsexual Surgery except for sickness or injury resulting from such Surgery; • For treatment of a sexual dysfunction not related to organic disease, except for sexual dysfunction resulting from an injury; • For treatment of obesity, except for surgical treatment of morbid obesity when: (a) the Carrier determines the surgery is Medically Appropriate/Medically Necessary, and (b) the surgery is not a repeat, reversal or revision of any previous obesity surgery. The exclusion of coverage for a repeat, reversal, or revision of a previous obesity surgery does not apply when the procedure is required to treat complications, which, if left untreated, would result in an endangerment of the health of the Covered Person; • For eyeglasses, lenses, or contact lenses and the vision examination for prescribing or fitting eyeglasses or contact lenses unless otherwise indicated; • For correction of myopia or hyperopia by means of corneal microsurgery, such as keratomileusis, keratophakia, and radial keratotomy and all related services; • For weight reduction and premarital blood tests; • For health foods, dietary supplements, or pharmacological therapy for weight reduction or diet agents; 18 of 20 • For diagnostic screening examinations, except as provided in the “Primary and Preventive Care” section of the Description of Benefits; • For routine physical examinations for non-preventive purposes, such as pre-marital examinations, physicals for college, camp or travel, and examinations for insurance, licensing and employment; • For travel, whether or not it has been recommended by a Professional Provider or if it is required to receive treatment at an out of area Provider; • For immunizations that are required for employment purposes, and/or for travel; • For care in a nursing home, home for the aged, convalescent home, school, institution for retarded children, Custodial Care in a Skilled Nursing Facility; • For counseling or consultation with a Covered Person’s relatives, or Hospital charges for a Covered Person’s relatives or guests, except as may be specifically provided or allowed in the “Treatment for Alcohol or Drug Abuse and Dependency” or “Transplant Services” sections of the Description of Benefits; • For home blood pressure machines, except for Covered Persons: (a) with pregnancy-induced hypertension, (b) with hypertension complicated by pregnancy, or (c) with end-stage renal disease receiving home dialysis; • As described in the “Durable Medical Equipment” and “Prosthetic Devices” sections in the Description of Benefits: for personal hygiene, comfort and convenience items; equipment and devices of a primarily nonmedical nature; equipment inappropriate for home use; equipment containing features of a medical nature that are not required by the Covered Person’s condition; non-reusable supplies; equipment which cannot reasonably be expected to serve a therapeutic purpose; duplicate equipment, whether or not rented or purchased as a convenience; devices and equipment used for environmental control; and/or customized wheelchairs; www.amerihealth.com 01/06 • For medical supplies such as, but not limited to, thermometers, ovulation kits, and early pregnancy or home pregnancy testing kits; • For contraceptive devices, except as may be provided by a family planning rider attached to this booklet/certificate; • For Cognitive Rehabilitation Therapy, which is a therapeutic approach designed to improve cognitive functioning after central nervous system injury or trauma. It includes therapy methods that retrain or alleviate problems caused by deficits in attention, visual processing, language, memory, reasoning and problem solving. It utilizes tasks that are designed to reinforce or reestablish previously learned patterns of behavior or to establish new compensatory mechanisms for the impaired neurologic system); • For over-the-counter drugs and any other medications that may be dispensed without a doctor’s prescription, except for medications administered during an Inpatient Admission; • For charges incurred by a Covered person while incarcerated in any adult or juvenile penal or correctional facility or institution; • For amino acid supplements, non-elementals formulas, appetite suppressants or nutritional supplements, including basic milk, soy, or casein hydrolyzed formulas (e.g., Nutramigen, Alimentun, Pregestimil) for the treatment of lactose intolerance, milk protein intolerance, milk allergy or protein allergy; • For Hearing Aids, including cochlear electromagnetic hearing devices, and/or hearing examinations or tests for the prescription or fitting of Hearing Aids, except as may be provided by a Hearing Aids benefit rider attached to this booklet/certificate. Services and supplies related to these items are not covered; • For Inpatient Private Duty Nursing services; • For assisted fertilization techniques such as, but not limited to, in-vitro fertilization, gamete intra-fallopian transfer (GIFT), and/or zygote intra-fallopian transfer (ZIFT), except as may be provided by an assisted fertilization benefits rider attached to this booklet/certificate; • For prescription drugs, except as may be provided by a prescription drug rider attached to this booklet/certificate; • For any care that extends beyond traditional medical management for autistic disease of childhood, Pervasive Development Disorders, Attention Deficit Disorder, learning disabilities, behavioral problems, or mental retardation; and/or treatment and/or care to effect environmental or social change; • For cranial prostheses, including wigs intended to replace hair, except as may be provided by a wig benefit rider attached to this booklet/certificate; • For maintenance of chronic conditions; • For charges incurred for expenses in excess of Benefit Maximums as specified in the Schedule of Benefits; • For any therapy service provided for: the ongoing Outpatient treatment of chronic medical conditions that are not subject to significant functional improvement; additional therapy beyond this Plan’s limits, if any, shown on the Schedule of Benefits; work hardening; evaluations not associated with therapy; and/or therapy for back pain in pregnancy without specific medical conditions; • For supportive devices for the foot (orthotics), such as, but not limited to, foot inserts, arch supports, heel pads and heel cups, and orthopedic/corrective shoes. This exclusion does not apply to orthotics and podiatric appliances required for the prevention of complications associated with diabetes; • For treatment of temporomandibular joint syndrome (TMJ), also known as craniomandibular disorders (CMD), with intraoral devices or with any non-surgical method to alter vertical dimension; • For any surgery performed to reverse a sterilization procedure; • For any other service or treatment except as provided under this Plan. 01/06 www.amerihealth.com 19 of 20 AmeriHealth PPO HSA-qualified High Deductible Health Plans (DE only) AmeriHealth PPO HSA-qualified High Deductible Health Plans (DE only) AmeriHealth New Jersey 51+ HMO Plus (without Referrals) Information ..............2 AmeriHealth HMO Plus Preapproval/Precertification Requirements .....................3 Product Overview ID Cards AmeriHealth HMO, Inc. (AmeriHealth) is pleased to introduce a new HMO program, AmeriHealth New Jersey 51+ HMO Plus. This booklet contains information regarding the AmeriHealth New Jersey 51+ HMO Plus product, which is available to large employer groups in New Jersey. The AmeriHealth New Jersey HMO Plus program is effective December 1, 2005. An AmeriHealth New Jersey HMO Plus program member will carry an identification card that clearly indicates the member is enrolled in an HMO Plus product. On the member’s identification card, a line of text identifies the product and the office copayment. These codes correlate to the benefit options shown in the enclosed Benefit Guide. The AmeriHealth New Jersey HMO Plus product requires members to choose a Primary Care Physician (PCP) in the AmeriHealth network; however, members can access in-network care without a referral. The Plus means NO referral is required. The PCP copay will apply when the member visits any network PCP. Payments to PCPs for these members will be listed as fee for service. For your reference and convenience, this booklet contains copayment, preapproval, and additional information that is applicable to the AmeriHealth New Jersey HMO Plus product. OB/GYN Note: AmeriHealth New Jersey HMO Plus members will pay a PCP copayment, not a specialist copayment, for OB/GYN visits. This will not be reflected on the member’s ID card. Please call Provider Services with questions regarding this new product. Sample AmeriHealth New Jersey HMO Plus ID Card Referral Requirements AmeriHealth New Jersey HMO Plus—Members can access care in-network without a referral. A PCP or specialist copay will apply when a member visits any network PCP or specialist. Radiology Network Members will receive the highest level of benefits when services are received from radiologists who participate in the sub-network. Provider Note Please insert this product booklet into the “Products” section of your Provider Manual. 01/06 www.amerihealth.com 1 of 4 AmeriHealth New Jersey 51+ HMO Plus (without Referrals) Health Plan (NJ only) AmeriHealth New Jersey 51+ HMO Plus (without Referrals) Health Plan (NJ only) AmeriHealth New Jersey 51+ HMO Plus (without Referrals) Health Plan (NJ only) AmeriHealth New Jersey 51+ HMO Plus (without Referrals) Health Plan (NJ only) AmeriHealth New Jersey 51+ HMO Plus (without Referrals) BENEFITS Deductible OOP Maximum* Lifetime Maximum Inpatient Hospital Days (Medical) PCP Visit OB/GYN Visit Maternity 1st Visit Specialist Visit Immunizations (subject to office visit copay) Mammography ER care (copay not waived if admitted) Hospital Care ** Outpatient Surgery (facility)** Outpatient Therapy PT/OT (30 visits/cal yr combined) Speech Therapy (20 visits/cal yr) Cardiac Rehab Therapy (36 sessions/cal yr) Pulmonary Rehab Therapy (36 sessions/ cal yr) Orthoptic/Pleoptic Therapy (8 sessions/ lifetime combined) Therapeutic Manipulations (20 visits/cal yr) Outpatient X-Ray/Radiology/Diagnostic Services - Routine Radiology Diagnostic - MRI/MRA, CT Scan, PET Scans** (No copay applicable when service performed in ER or office setting) Chemotherapy/Radiation/Infusion Therapy Lab Injectable Medications SNF - 120 days/cal yr** Home Health** Hospice** Ambulance Outpatient PDN – 360 hrs/cal yr** DME** Prosthetic** Mental Health - Inpatient** (30 days/cal yr) - Outpatient (20 visits/cal yr) Serious Mental Illness and Alcohol Abuse - Inpatient** HMO Plus $15/$30 $0/Day HMO Plus $15/$30 $200/Day HMO Plus $20/$40 $0/Day HMO Plus $20/$40 $300/Day HMO Plus $30/$50 $0/Day HMO Plus $30/$50 $400/Day NONE $5,000/$10,000 Unlimited Unlimited $15 $15 $15 $30 100% 100% $100 100% NONE $5,000/$10,000 Unlimited Unlimited $15 $15 $15 $30 100% 100% $100 $200/day up to 5 days NONE $5,000/$10,000 Unlimited Unlimited $20 $20 $20 $40 100% 100% $100 100% NONE $5,000/$10,000 Unlimited Unlimited $20 $20 $20 $40 100% 100% $100 $300/day up to 5 days NONE $5,000/$10,000 Unlimited Unlimited $30 $30 $30 $50 100% 100% $100 100% 100% $100 100% $150 100% NONE $5,000/$10,000 Unlimited Unlimited $30 $30 $30 $50 100% 100% $100 $400/day up to 5 days $200 $30 $30 $40 $40 $50 $50 $30 $30 $30 $30 $40 $40 $40 $40 $50 $50 $50 $50 $30 $30 $40 $40 $50 $50 $30 $30 $40 $40 $50 $50 $30 $30 $40 $40 $50 $50 $30 $60 $30 $60 $40 $80 $40 $80 $50 $100 $50 $100 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 90% 50% 50% 100% $100/day up to 5 days 100% 100% 100% 90% 50% 50% 100% 100% 100% 100% 100% 85% 50% 50% 100% $150/day up to 5 days 100% 100% 100% 85% 50% 50% 100% 100% 100% 100% 100% 80% 50% 50% 100% $200/day up to 5 days 100% 100% 100% 80% 50% 50% 100% $200/day up to 5 days 100% $300/day up to 5 days 100% $30 $30 $40 $40 $50 $400/day up to 5 days $50 100% $200/day up to 5 days 100% $300/day up to 5 days 100% $400/day up to 5 days $50 - Outpatient Substance Abuse - Inpatient** (30 days/cal yr) Unlimited lifetime maximum $30 $30 $40 $40 $50 100% $200/day up to 5 days 100% $300/day up to 5 days 100% $400/day up to 5 days - Outpatient (30 visits/cal yr) 120 visits/lifetime $30 $30 $40 $40 $50 $50 * Annual Out-of-Pocket (OOP) Maximum per person/per family; copayments and coinsurance apply to OOP Max. ** Precertification Required. 2 of 4 www.amerihealth.com 01/06 AmeriHealth HMO Plus Preapproval/Precertification Requirements Inpatient Services Surgical/Non-Surgical Inpatient Admissions Acute Rehab Skilled Nursing Facility (SNF) Inpatient Hospice Maternity Admission (for notification only) Outpatient Facility/Office Services (other than Inpatient) Infusion Therapy (except cancer chemotherapy, whole blood and blood plasma) in outpatient facility and office Hysterectomy Cataract Surgery Nasal Surgery for Submucous Resection and Septoplasty PET Scans, MRI, MRA, CT, and Nuclear Cardiac Studies Transplants (except cornea) Comprehensive Outpatient Pain Management Programs (including epidural injections) Obesity Surgery Sleep Studies Uvulopalatopharyngoplasty (including laser-assisted) Reconstructive Procedures and Potentially Cosmetic Procedures Orthognathic Surgery Procedures Otoplasty Panniculectomy Reduction Mammoplasty Removal or Reinsertion of Breast Implants Rhinoplasty Surgery for Varicose Veins Scar Revision Subcutaneous Mastectomy for Gynecomastia Abdominoplasty Augmentation Mammoplasty Blepharoplasty Chemical Peels Dermabrasion Excision of Redundant Skin Keloid Removal Lipectomy/Liposuction Mastopexy All Home Care Services (including Infusion Therapy in the home) Birthing Center (for notification only) Elective (non-emergency) Ambulance Transport Outpatient Private Duty Nursing Prosthetics and Orthotics – Purchase items over $100, including repairs and replacements Durable Medical Equipment (DME) – Purchase items over $100, including repairs and replacements, and ALL rentals (except oxygen, diabetic supplies, and/or unit dose medication for nebulizer) Mental Health/Serious Mental Illness/Substance Abuse/Alcohol Abuse Outpatient Mental Health Treatment/Outpatient Substance Abuse Treatment (not alcohol abuse) Inpatient Mental Health Treatment/Inpatient Substance Abuse Treatment Inpatient Serious Mental Illness Treatment/Inpatient Alcohol Abuse Treatment 01/06 www.amerihealth.com 3 of 4 AmeriHealth New Jersey 51+ HMO Plus (without Referrals) Health Plan (NJ only) AmeriHealth New Jersey 51+ HMO Plus (without Referrals) Health Plan (NJ only) AmeriHealth New Jersey 51+ HMO Plus (without Referrals) Health Plan (NJ only) AmeriHealth New Jersey 51+ HMO Plus (without Referrals) Health Plan (NJ only) Preapproval Penalties Preapproval is not a determination of eligibility or a guarantee of payment. Coverage and payment are contingent upon— among other things—the member being eligible (i.e., actively enrolled in the health benefits plan when the preapproval is issued and when approved services occur). Coverage and payment are also subject to limitations, exclusions, and/or other specific terms of the health benefits plan that apply to the coverage request. The preapproval list is subject to change. HMO Plus In-Network: It is the network provider’s responsibility to obtain preapproval for services listed. Members are held harmless from financial penalties if the network provider does not obtain approval. The provider should contact AmeriHealth and provide prenotification (prior authorization) for certain categories of treatment so that the member will know prior to receiving treatment whether it is a covered service. This also applies to network providers. Those categories of treatment (in any setting) include: • Any surgical procedure that may be considered potentially cosmetic. • Any procedure, treatment, drug, and/or device that represents “new or emerging technology. • Services that might be considered experimental/investigative. You should be able to assist the member in determining whether a proposed treatment falls into one of these three categories. ALL R TRADES IED PRINTING UNION LABEL 13 COUNCIL SCRANTON 4 of 4 www.amerihealth.com 01/06 Outpatient Management of Uncomplicated Deep Vein Thrombosis (DVT) with Low Molecular Weight Heparin (LMWH) All members with medical benefits are eligible to receive LMWH for home treatment of DVT. A pharmacy benefit is not required. For a listing of participating providers of LMWH at home, please refer to the provider names and contact numbers below or visit www.amerihealth.com. Step 1 Is the patient medically eligible for outpatient treatment with LMWH? CONTRAINDICATIONS • Active major bleeding. • Hypersensitivity to enoxaparin, heparin, pork products. • Hypersensitivity to benzyl alcohol (multi-dose formulation). • History of thrombocytopenia associated with enoxaparin. • Patient or caregiver unable or unwilling to administer subcutaneous medication at home OR to interact with home health caregivers. • History of heparin-induced thrombocytopenia. PRECAUTIONS • Active or history of recent GI ulceration or hemorrhage. • Bacterial endocarditis. • Bleeding diathesis. • Concomitant neuraxial anesthesia or spinal puncture and low molecular weight heparins use increases the risk of epidural or spinal hematoma. • Concomitant platelet inhibitors (discontinue unless really needed including ASA, NSAIDs, dipyridamole, or sulfinpyrazone). • Congenital or acquired bleeding disorders. • Diabetic retinopathy. • Hemorrhagic stroke. • Not adequately studied for thromboprophylaxis in patients with prosthetic heart valves • Recent brain, spinal, or ophthalmological surgery. • Renal impairment (dosage adjustment for severe impairment, create clearance <30 ml/min) • Uncontrolled hypertension. • Other high risk – Confirmed/suspicion of pulmonary embolus, failure of outpatient treatment, high risk for falls/trauma, morbid obesity, more than 2 previous episodes of DVT, recurrent DVT within last 3 months, immobilization. • Age younger than 18 years. Step 2 Begin Protocol • Obtain Baseline CBC/platelet count , serum creatinine PTT, PT/INR. • Instruct patient/family in subcutaneous injection if willing. • Call infusion company to set up home delivery of LMWH. Nursing visits may be requested to check compliance with self injections, instruct member or family or administer injections if member/family unable. • Instruct patient/family regarding their disease, treatment plan, risks, signs and symptoms of bleeding, the importance of compliance, and emergency numbers/contacts. • Contact AmeriHealth case management at (800) 313-8628 if assistance is required. Step 3 Begin Treatment • Start subcutaneous injection of LMWH; standard dose is 1mg/kg every 12hours. • Start warfarin (5 mg) on day 1; subsequent daily dosing to be adjusted based on INR. • Arrange for PT/INR on day three and adjust the subsequent daily dose according to INR. • Check a platelet count between days 3 to 5 of LMWH therapy. • Discontinue LMWH after at least 5 days of combined therapy when the INR is within therapeutic range (2.0-3.0). • Continue anticoagulation therapy with warfarin for at least 3 months at INR within therapeutic range (2.0-3.0). Special Considerations If availability of outpatient services is unable to be confirmed, inpatient observation status may be considered until these can be obtained. References 1. Sixth ACCP Consensus Conference on Antithrombotic Therapy, Chest 2001:119 (1 Supppl);1S-370S. Hyers TM, Agnelli G, Hull RD et al. “Antithromobtic Therapy for Venous Thromobembolic Disease,” Chest 2001:119:176S-193S. 2. Thomson Micromedex, Greenwood Village, Colorado. STAT Low Molecular Weight Heparin (LMWH) Program Provider Name Contact Number Penn Home Infusion (610) 992-3998 Neighborcare (610) 205-1313 Burman’s Home Health Care (610) 364-3160 x15 Option Care Horsham (610) 941-0129 Professional Home Care (610) 323-8750 Home Healthcare Resources (215) 245-1888 Pediatric Services of America (800) 454-3798 SNI (267) 532-1663 Praxair (215) 238-0121 Option Care Chester County (610) 334-0450 Ambulatory Pharmaceutical Services DBA US Bioservices (800) 400-9549 Home Solutions (800) 447-4879 x 211 AmeriHealth HMO, Inc., QCC Insurance Company, d/b/a/ AmeriHealth Insurance Company Partners in Health 2005 Cumulative Index: January - December Partners in Health Monthly Update & Quarterly Clinical Update Current and archived issues of Partners in Health monthly Update, quarterly Clinical Update, the Provider Manual, and quarterly Coding Guidelines and Policy Update (CGPU), including the CGPU Compendium, which is a collection of relevant policy summaries that have been published within the respective year, are available in PDF format via NaviNetSM and in the Provider section of the website at www.amerihealth.com/providers. -AA View Inside From the Medical Directors Winter 2004 Clinical Update Spring Clinical Update Summer Clinical Update AmeriHealth New Jersey Transitioned to AllElectronic Encounter and Referral Submission September Update October Update November Update December Update AdvancePCS Changes Name to “Caremark®” April Update AmeriHealth POS Plus Quick Reference Guide (Enclosure) March Update Age Edits on Paxil® (paroxetine) and Effexor® (venlafaxine) for all Prescription Drug Programs February Update -B- AIM Precertification Requirement for Radiology Services, Effective January 1, 2005 January Update AmeriHealth Contracts With Council for Affordable Quality Healthcare For Universal Credentialing DataSource August Update AmeriHealth Delaware Benefit Clarifications for HMO, PPO, POS: Maintenance Definition, Waiver Policy, and Benefit Enhancement Spring Clinical Update AmeriHealth Implementing Radiology Quality Initiative for Delaware Members Effective August 1, 2005 (Delaware only) July Update AmeriHealth New Jersey Transitioning to AllElectronic Encounter and Referral Submission April Update May Update June Update July Update August Update Benefit Clarifications for AmeriHealth (Delaware only) March Update (Important AmeriHealth) Billing Information for AmeriHealth PPO, Traditional Medical/Preferred Provider Network, and Comprehensive Major Medical (CMM) Products January Update (Sidebar: Important) Billing Requirements December Update Billing Requirement: Use Complete Member ID Number January Update February Update March Update May Update June Update July Update August Update September Update October Update November Update December Update Billing Requirements for Outpatient Radiology and Lab Services at Participating Hospitals February Update ALL R TRADES IED PRINTING UNION LABEL COUNCIL SCRANTON 13 AmeriHealth HMO, Inc. • AmeriHealth Insurance Company of New Jersey • QCC Insurance Company d/b/a AmeriHealth Insurance Company Page 1 of 8 Biotech/Specialty Injectables Information for Flex Programs (Enclosure) June Update November Update Claims with More Than One Unit of Time for Speech-Pathology Codes Will Reject April Update (Women’s Health Programs): Cervical Cancer Prevention Spring Clinical Update -CCeliac Disease: Increasing Awareness and Addressing the Diagnostic Challenge Summer Clinical Update (Women’s Health): Cervical Cancer Prevention Spring Clinical Update Change to the Services Paid Above Capitation List (Delaware only) August Update Cholesterol Management: Adult Treatment Panel III Guidelines Update Summer Clinical Update (Men’s Health): Cholesterol Management, Obesity and Proper Nutrition, Immunization Recommendations, and Colorectal and Prostate Cancer Screenings Summer Clinical Update (Providing PHI to Employer Groups Acting As) Claims Fiduciaries April Update Claims Overpayment and Refunds Address June Update (Avoid) Claims Rejections January Update February Update March Update (More Information Regarding) Claims Submissions August Update Class Action Settlement Update: (Announcements, Settlements Payment Policy and Processing Update, Settlement Recap, Modifier 50, Implementation Recap) October Update Class Action Settlement Update: (Clear Claim Connection, Settlements payment Policy, and Processing Update, Announcements, Modifier 51 Exempt, Modifier 66 form, Implementation Recap, Settlement recap, Radiologic Guidance of a Procedure, Surgical Documentation Form) December Update (Women’s Health Programs): Clinical Breast Examinations (CBEs) Are Essential to Breast Cancer Prevention Winter 2004 Clinical Update Clinical Criteria for Utilization Management Decisions December Update (Free, Online) CME: Long-term Beta Blocker Adherence Post-Myocardial Infarction February Update (Use the Standard) CMS 1500 Form when submitting paper claims April Update Colorectal Cancer “No Excuses” brochure (Enclosure) April Update Colorectal Cancer Prevention Pocket Card (Enclosure) April Update (Encourage Members to Receive) Colorectal Cancer Screening February Update (Member’s Health Update: Important Information Regarding) Colorectal Cancer Screening in DE (Enclosure) April Update (Member’s Health Update: Important Information Regarding) Colorectal Cancer Screening in NJ (Enclosure) April Update Colorectal Cancer Screening Initiative Summer Clinical Update Colorectal Cancer Screening Materials Order Form April Update Common Errors in Vaccine Handling and Storage Winter 2004 Clinical Update AmeriHealth HMO, Inc. • AmeriHealth Insurance Company of New Jersey • QCC Insurance Company d/b/a AmeriHealth Insurance Company Page 2 of 8 (Launch of the New) ConnectionsSM AccordantCareTM Program Adds Fifteen New Chronic Care Conditions to the ConnectionsSM Programs June Update Connections Health Management Programs Adds New Line of Business December Update (New) ConnectionsSM AccordantCareTM Program Expands Disease Management for Members with Chronic Diseases Summer Clinical Update (2005) ConnectionsSM Annual Update (Enclosure) November Update ConnectionsSM Health Management Programs: Congestive Heart Failure Member Outreach Summer Clinical Update ConnectionsSM Health Management Programs Decision Support Campaigns Spring Clinical Update ConnectionsSM Health Management Programs Gap Campaigns Spring Clinical Update ConnectionsSM Health Management Programs Supporting Our Members, Your Patients January Update February Update March Update April Update July Update August Update September Update October Update (New) Coordination of Benefits (COB) Form Available via NaviNetSM June Update Coordination of Benefits Questionnaire (Enclosure) June Update (Reminder to Use the Most Current Version of the AmeriHealth) Credentialing Application February Update Credentialing Compliance Hotline and Web Page February Update April Update June Update August Update October Update December Update -D(Policy Update for) Decavac™ Summer Clinical Update Deep Vein Thrombosis and Pulmonary Embolism: Early Recognition and Treatment Summer Clinical Update Delaware Newborn Hearing Screening Mandate December Update Dermatopathology Services August Update (New) Diagnostic Imaging Services Improve Radiology Testing for AmeriHealth (Delaware Only) April Update May Update June Update Diagnosing and Treating Depression Fall Clinical Update Drug Program Information Available On Our Website June Update (Passive Enrollment of) Dual Eligibles into AmeriHealth 65 (PA Only) December Update -E(AmeriHealth New Jersey to Transition to) Electronic Referral Submission March Update (AmeriHealth New Jersey Transitioned to) AllElectronic Encounter and Referral Submission September Update October Update December Update (Updated) Electronic and Paper Referral Forms Buckslip (Enclosure) March Update Emergency Room Utilization Review for Emergency Room Overuse November Update Encounter/Referral Buckslip (Enclosure) March Update AmeriHealth HMO, Inc. • AmeriHealth Insurance Company of New Jersey • QCC Insurance Company d/b/a AmeriHealth Insurance Company Page 3 of 8 Enhancements to Policy, Payment, Disclosure, and Appeals Processes for Class Action Settlement Providers April Update ePocrates Rx® for Palm® OS and Pocket PC Personal Digital Assistants Spring Clinical Update Extracorporeal Shock Wave Therapy (ESWT) for Musculoskeletal Conditions and Plantar Fasciitis February Update -FFDA Issues Public Health Advisory on Depression in Children and Adolescents Winter 2004 Clinical Update (How) Fee for Procedures and Professional Services are Developed for New and Revised Codes November Update Field 19 Requirement: Paper or Electronic Referrals Must be on File for Claims to Process April Update (Delaware AmeriHealth) Flex Programs Biotech/Specialty Injectables Update June Update November Update (Continued Success in Addressing) Fraud and Abuse April Update -G(ICD-9-CM Diagnosis Codes Change for Routine) Gynecological Exam December Update -H(Expanded and Revised) Hand Therapy Diagnosis Reminder (Delaware only) August Update HealthGrades® Hospital Quality Reports Offered at Discount (Sidebar) July Update HealthGrades® Patient Safety Data Added to Enhanced Online Provider Search July Update (AmeriHealth) Healthy LifestylesSM Programs Provides Incentive for Members Winter 2004 Clinical Update heartBBEAT for life® Initiative Winter 2004 Clinical Update (Removal of Referrals for) Hemodialysis December Update (End Date of) HIPAA Transactions and Code Sets (TCS) Contingency Plan April Update May Update (New) HMO Program in New Jersey: Individual Preferred Plan May Update Hospital Listing and Associated 10-Digit Provider Identification Numbers (Enclosure) April Update -IICD-9-CM Diagnosis Codes Change for Routine Gynecological Exams December Update (Printable Temporary Member) Identification Information is Available Effective December 17, 2005 December Update ID Cards with New 13-Position Member Identification Number Now Being Issued April Update May Update June Update July Update August Update (Revised Adolescent) Immunization Recommendations Fall Clinical Update Immunization Schedules Fall Clinical Update Influenza and Pneumococcal Awareness and Intervention Fall Clinical Update Individual Preferred Health Plan Product booklet (Enclosure) May Update Initial Maternity Patient Questionnaire Update June Update AmeriHealth HMO, Inc. • AmeriHealth Insurance Company of New Jersey • QCC Insurance Company d/b/a AmeriHealth Insurance Company Page 4 of 8 (Enhanced Provider) Interactive Voice Response (IVR tip sheet/Enclosure) July Update -J- Men’s Health: Cholesterol Management, Obesity and Proper Nutrition, Immunization Recommendations, and Colorectal and Prostate Cancer Screenings Summer Clinical Update (Policy Update): Modifiers 26 and TC June Update July Update -K-L- More Information Regarding Claims Submissions August Update Laboratory Services Reminder December Update -M- Multiple Services Billing Tip February Update -N- (AmeriHealth 65) Medicare Changes for 2006 December Update Medical Record Keeping Standards February Update (Changes in Drug Coverage with) Medicare Part D Implementation December Update (“Do it All” with) NaviNetSM: A Tip to Streamline the NaviNetSM Preauthorization Request Process March Update (“Do it All” with) NaviNetSM: Network Providers Use NaviNetSM To Improve Efficiency and Service to Patients May Update Medicare Part D offers new Benefits November Update (“Do it All” with) NaviNetSM: Preauthorization Enhancements February Update Medicare Tiered Hospital Networks now available for Members in AmeriHealth 65®Plus November Update December Update (“Do it All” with) NaviNetSM: Streamline Daily Administration January Update (New Benefits for AmeriHealth 65® Members) Medicare Part D October Update (Clarification to) Member Benefits December Update (Printable Temporary) Member Identification Information is Available Effective December 17, 2005 December Update Member’s Health Update: Important Information Regarding Colorectal Cancer Screening in DE (Enclosure) April Update Member’s Health Update: Important Information Regarding Colorectal Cancer Screening in NJ (Enclosure) April Update (Delaware) Newborn Hearing Screening Mandate December Update New ConnectionsSM AccordantCareTM Program Expands Disease Management for Members with Chronic Diseases Summer Clinical Update New Diagnostic Imaging Services Improve Radiology Testing for AmeriHealth (Delaware Only) April Update May Update June Update New HMO Program in New Jersey: Individual Preferred Plan May Update New Jersey Product Booklets: SEH HMO, SEH HMO Plus, SEH POS, SEH POS Plus (Enclosures) July Update AmeriHealth HMO, Inc. • AmeriHealth Insurance Company of New Jersey • QCC Insurance Company d/b/a AmeriHealth Insurance Company Page 5 of 8 New Prescription Drug Benefit: Medicare Part D July Update (AmeriHealth) POS Plus Quick Reference Guide (Enclosure) March Update New Products Effective 7/1/05: SEH HMO, SEH HMO Plus, SEH POS, SEH POS Plus July Update (New) Prescription Drug Benefit: Medicare Part D July Update New Select Drug Program ® Copay Options for New Jersey SEH and 51+ Members May Update (2005) Clinical Practice Guidelines Now Available Fall Clinical Update November Update New Tr an saction s w ith A meri H ea lth: Y our Quick Refer enc e to Billing , R eferra ls, a nd E-Con nectivity Debuts April Update (Women’s Health Programs): National Breast Cancer Awareness Month Fall Clinical Update (AmeriHealth and Its Affiliates) Pricing Procedure for Unlisted or Not Otherwise Classified (NOC) Services January Update New Features Available Via the Navinetsm Provider Portal December Update Pricing Procedure for Unlisted or Not Otherwise Classified (NOC) Services Fully Implemented April Update -O- (Important Information About Prescription Drug Coverage): Prior Authorization for Tarceva® (erlotnib) April Update Obesity: A Growing Medical Concern Winter 2004 Clinical Update (Select Drug Program ® Formulary and) Prescription Drug Prior Authorization Enclosure October Update Osteoporosis Prevention and Screening Winter 2004 Clinical Update -P- (New) Products Effective 7/1/05: SEH HMO, SEH HMO Plus, SEH POS, SEH POS Plus July Update Partners in Health 2004 Cumulative Index January 2004 Update (Enhanced Online) Provider Search to Include Quality Information (Enclosure) January Update Passive Enrollment of Dual Eligibles into AmeriHealth 65® (PA only) October Update November Update December Update (Enhanced) Provider Search Launching this Spring March Update (New Features Included in) Pediatric Growth Charts Winter 2004 Clinical Update Performing Provider ID, Group Provider ID, and Tax ID Number Required in Order to Ensure Clean Claims April Update Policy and Recommendations for the Use of Menactra ® Summer Clinical Update Policy Update for Decavac™ Summer Clinical Update Policy Update: Removal of Impacted Cerumen April Update Provider Supply Line: For Office Supplies and Resources May Update December Update Provider’s Role in Fighting Health Insurance Fraud January Update Providers Required to Use NaviNetSM or Telephonic Interactive Voice Response (IVR) System to Obtain Member Eligibility Information, Effective August 1, 2005 April Update May Update June Update July Update August Update AmeriHealth HMO, Inc. • AmeriHealth Insurance Company of New Jersey • QCC Insurance Company d/b/a AmeriHealth Insurance Company Page 6 of 8 Providers Required to Use NaviNetSM or Telephonic Interactive Voice Response (IVR) System to Obtain Member Eligibility Information September Update October Update November Update December Update SEH POS Plus Product Booklet - NJ Only (Enclosure) July Update Providing PHI to Employer Groups Acting as Claims Fiduciaries April Update (Important Information About Prescription Drug Coverage): Select Drug Program ® Formulary Additions February Update (Changes To) PQAS and QPA 2007: Measurement Year January through December 2006 December Update -Q- SEH POS Product Booklet - NJ Only (Enclosure) July Update Select Drug Formulary Additions: Byetta ® and Symlin® August Update (New) Select Drug Program® Copay Options for New Jersey SEH and 51+ Members May Update -R(AmeriHealth Implementing) Radiology Quality Initiative for Delaware Members Effective August 1, 2005 (Delaware only) July Update Radiology Quality Initiative Grace Period ends November 30, 2005 November Update Radiology Quality Initiative Grace Period Ended November 30, 2005 December Update Select Drug Program® Formulary June Update (The) SMARTTM Registry: Your Practice’s Chronic Condition Management Support Tool May Update Spacers for Metered Dose Inhalers Added As Benefit Enhancement for AmeriHealth (Delaware only) May Update (Removal of ) Referrals for Hemodialysis December Update Speech Pathology Transactions Revision (Buckslip/Enclosure) July Update Restorative/Therapy Services Retrospective Review February Update March Update (Recommendations for Assessing and Managing the) Suicidal Patient Spring Clinical Update RQI Postponement (Enclosure) August Update (New Effective Date For AmeriHealth Delaware) Radiology Quality Initiative September Update -S- Supporting Our Members, Your Patients: ConnectionsSM Health Management Programs January Update February Update March Update April Update July Update August Update September Update October Update SEH HMO Non-Plus Product Booklet - NJ Only (Enclosure) July Update Surgical Team Documentation Form December Update SEH HMO Plus Product Booklet - NJ Only (Enclosure) July Update Annual Synagis® (Palivizumab) Distribution Program September Update AmeriHealth HMO, Inc. • AmeriHealth Insurance Company of New Jersey • QCC Insurance Company d/b/a AmeriHealth Insurance Company Page 7 of 8 Synagis® (palivizumab) Shipment Dates for the 2004-2005 Respiratory Syncytial Virus (RSV) Season February Update -T10-Digit Provider ID Number Required In Field 32 for CMS 1500 Forms Effective July 1, 2005 April Update May Update June Update July Update August Update Third Party Liability Could Lead to Claims Retractions June Update (New) 13-Position Member Identification Number January Update February Update March Update September Update October Update -W(Healthy Lifestyles Expands) Weight Mangement Program November Update West Nile Virus Summer Clinical Update Women’s Health: Cervical Cancer Prevention Spring Clinical Update Women’s Health Programs: Clinical Breast Examinations (CBEs) Are Essential to Breast Cancer Prevention Winter 2004 Clinical Update -X-Y-Z- (Important Reminder Regarding) Timely Claim Filing Requirements August Update Tips for Effectively Using the ConnectionsSM Health Management Program SMARTTM Registry Winter 2004 Clinical Update Transactions Buckslip (Enclosure) July Update (New) Transactions with AmeriHealth: Your Quick Reference to Billing, Referrals, and EConnectivity Debuts April Update Treating Deep Vein Thrombosis with Low Molecular Weight Heparin Winter 2004 Clinical Update Summer Clinical Update -U(AmeriHealth New Jersey Contracts with Council for Affordable Quality Healthcare for) Universal Credentialing DataSource September Update October Update -V- AmeriHealth HMO, Inc. • AmeriHealth Insurance Company of New Jersey • QCC Insurance Company d/b/a AmeriHealth Insurance Company Page 8 of 8