Schedule of Benefits (Who Pays What)

Anthem Blue Cross and Blue Shield
Colorado Higher Education Insurance Benefits Alliance Trust
Custom Plus Plan
Effective January 1, 2014

PART A: TYPE OF COVERAGE
1. TYPE OF PLAN
Medical expense policy
2. OUT-OF-NETWORK CARE COVERED?1
Yes, policy makes no distinction between in and out-of-
network
3. AREAS OF COLORADO WHERE PLAN IS Plan is available throughout Colorado
AVAILABLE

PART B: SUMMARY OF BENEFITS
Important Note: This form is not a contract, it is only a summary. The contents of this form are subject to the
provisions of the policy, which contains all terms, covenants and conditions of coverage. Your plan may exclude
coverage for certain treatments, diagnoses, or services not noted below. The benefits shown in this summary
may only be available if required plan procedures are followed (e.g., plans may require prior authorization, a
referral from your primary care physician, or use of specified providers or facilities). Consult the actual policy to
determine the exact terms and conditions of coverage. Coinsurance and copayment options reflect the amount
the covered person will pay.


BENEFIT LEVEL
4. DEDUCTIBLE TYPE2
Calendar Year
4a. ANNUAL DEDUCTIBLE2a

a) Individual2b
$600


b) Family2c
$1,200

One Member may not contribute any more than the individual
Deductible toward the family Deductible.

Some Covered Services have a maximum benefit of days, visits or
dollar amounts allowed during a calendar year. When the Deductible
is applied to a Covered Service which has a maximum number of
days or visits, those maximum benefits will be reduced by the amount
applied toward the Deductible, whether or not the Covered Service is
paid.
Anthem Blue Cross and Blue Shield is the trade name of Rocky Mountain Hospital and Medical Service, Inc. HMO products are underwritten by HMO Colorado, Inc. Independent
licensees of the Blue Cross and Blue Shield Association. ® ANTHEM is a registered trademark of Anthem Insurance Companies, Inc. The Blue Cross and Blue Shield names and
symbols are registered marks of the Blue Cross and Blue Shield Association.

Si usted necesita ayuda en español para entender éste documento, puede solicitarla gratis llamando al número de servicio al cliente que aparece en su tarjeta de identificación o
en su folleto de inscripción.


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BENEFIT LEVEL
5. OUT-OF-POCKET ANNUAL

MAXIMUM3

a) Individual
$2,000 + Deductible


b) Family
$4,000 + Deductible


c) Is deductible included in the
No
out-of-pocket maximum?

One Member may not contribute any more than the individual Out-of-
Pocket Annual Maximum toward the family Out-of-Pocket Annual
Maximum.

Some Covered Services have a maximum numbers of days, visits or
dollar amounts allowed during a calendar year. These maximums
apply even if the applicable Out-of-Pocket Annual Maximum is
satisfied.

The difference between Billed Charges and the Maximum Allowed
Amount for non-participating Providers does not count toward the
Out-of-Pocket Annual Maximum. Even once the Out-of-Pocket
Annual Maximum is satisfied, you will still be responsible for paying
the difference between the Maximum Allowed Amount and the non-
participating Providers Billed Charges (sometimes called “balance
billing”).
6. LIFETIME OR BENEFIT MAXIMUM No lifetime maximum for most Covered Services.
PAID BY THE PLAN FOR ALL

CARE
Infertility diagnostic services have a lifetime maximum payment of
$2,000 per member.

Bariatric surgery has a per occurrence maximum payment of $15,000
per Member for services received from a designated facility or $1,500
for a facility that is not a designated facility; total per occurrence
maximum payment shall not exceed $15,000 per Member for
designated and non-designated facilities combined.
7A. COVERED PROVIDERS
All providers licensed or certified to provide covered benefits.

7B. With respect to network plans,
Yes
are all the providers listed in 7A
accessible to me through my
primary care physician?
8. ROUTINE MEDICAL OFFICE

VISITS4

a)
Primary Care Providers
You pay 20% after Deductible


b) Specialists
You pay 20% after Deductible

9. PREVENTIVE CARE

a) Children’s services to age 13
You pay no Deductible or Coinsurance.


b) Adult’s services
You pay no Deductible or Coinsurance.

10. MATERNITY

a) Prenatal care
You pay 20% after Deductible


b) Delivery & inpatient well baby
You pay 20% after Deductible
care5

11. PRESCRIPTION DRUGS

Level of coverage and restrictions

on prescriptions6

a) Inpatient care
Included with the inpatient Hospital benefit (see line 12)



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BENEFIT LEVEL
b) Outpatient care
You pay 20% after Deductible. Includes coverage for smoking

cessation prescription legend drugs when enrolled in a smoking

cessation counseling program approved by Anthem.



c) Prescription Mail Service
Not covered
12. INPATIENT HOSPITAL
You pay 20% after Deductible
13. OUTPATIENT/AMBULATORY
You pay 20% after Deductible
SURGERY
14. DIAGNOSTICS

a) Laboratory & x-ray
You pay 20% after Deductible


b) MRI, nuclear medicine, and
You pay 20% after Deductible
other high-tech services
15. EMERGENCY CARE7,8
You pay 20% after Deductible
16. AMBULANCE
You pay 20% after Deductible. Maximum benefit of $2,000 for ground

and $5,000 for air per trip.
17. URGENT, NON-ROUTINE, AFTER
You pay 20% after Deductible
HOURS CARE
18. MENTAL HEALTH CARE,

ALCOHOL & SUBSTANCE

ABUSE CARE

a) Inpatient care
You pay 20% after Deductible


b) Outpatient care
You pays 20% after Deductible
19. PHYSICAL, OCCUPATIONAL,

AND SPEECH THERAPY

a) Inpatient care
You pay 20% after Deductible. Limited to 30 inpatient rehab days per

calendar year.


b) Outpatient care
You pay 20% after Deductible. Physical, speech and occupational

therapies are limited to a combined maximum of 60 visits per
Member in each calendar year. From birth until the sixth birthday,
benefits are provided as required by applicable law.
20. DURABLE MEDICAL EQUIPMENT You pay 20% after Deductible.
& OXYGEN
21. ORGAN TRANSPLANTS
You pay 20% after Deductible.

Transportation and lodging services are limited to a maximum benefit
of $10,000 per Transplant Benefit Period; unrelated donor searches
are limited to a maximum benefit of $30,000 per Transplant Benefit
Period.
22. HOME HEALTH CARE
You pay 20% after Deductible. Up to 60 visits per calendar year.
23. HOSPICE CARE
You pay 20% after Deductible

24. SKILLED NURSING FACILITY
Not covered

CARE
25. CHIROPRACTIC CARE
You pay 20% after Deductible. Up to 12 visits per calendar year.
26. SIGNIFICANT ADDITIONAL
Retail Health Clinic
COVERED SERVICES
You pay 20% after Deductible

Second Opinions
When you want another professional opinion, you may obtain a
second surgical opinion.

Accident Benefits
Additional accident benefits are allowed for the treatment of accident-
related injuries up to $500 not subject to Deductible and
Coinsurance. Services after $500 are subject to Deductible and
Coinsurance requirements.

Private Duty Nursing Benefits

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BENEFIT LEVEL
Private duty nursing services are allowed up to $2,000 per Member
per calendar year with a lifetime maximum benefit of $5,000 per
Member.

Hearing Aids
For hearing aids you pay 20% after Deductible. Benefits are covered
up to age 18 and are supplied every 5 years, except as required by
law.

Treatment of Autism Spectrum Disorders
Benefit level determined by type of service provided.

The following annual maximums, based on calendar year, are
effective for applied behavior analysis services:
 From birth to age eight (up to Member’s ninth birthday): 550
sessions of 25 minutes for each session

Age nine to age eighteen (up to Member’s nineteenth birthday): 185 sessions
of 25 minutes for each session

General Information
For any outpatient Covered Service not elsewhere listed, you pay
Coinsurance after Deductible. For example, this includes
chemotherapy and outpatient non-surgical facility services.

PART C: LIMITATIONS AND EXCLUSIONS
27. PERIOD DURING WHICH PRE-
Not applicable. Plan does not impose limitation periods for pre-
EXISTING CONDITIONS ARE NOT
existing conditions. For late enrollees, individual must wait until
COVERED. 10
next open enrollment.

28. EXCLUSIONARY RIDERS. Can an
No
individual’s specific, pre-existing
condition be entirely excluded from
the policy?
29. HOW DOES THE POLICY DEFINE A
Not applicable. Plan does not impose limitation periods for pre-
“PRE-EXISTING CONDITION”?
existing conditions.
30. WHAT TREATMENTS AND
Exclusions vary by policy. List of exclusions is available
CONDITIONS ARE EXCLUDED
immediately upon request from your carrier, agent, or plan,
UNDER THIS POLICY?
sponsor (e.g., employer). Review them to see if a service or
treatment you may need is excluded from the policy.

PART D: USING THE PLAN

BENEFIT LEVELS
31. Does the enrollee have to obtain a referral and/or
No
prior authorization for specialty care in most or all
cases?
32. Is prior authorization required for surgical
Yes you are responsible for obtaining
procedures and hospital care (except in an
Preauthorization unless the Provider participates
emergency)?
with Anthem Blue Cross and Blue Shield.
33. If the provider charges more for a covered service
Yes,, you will be responsible for paying the
than the plan normally pays, does the enrollee
difference between the Maximum Allowed Amount
have to pay the difference?
and the non-participating Providers’ Billed Charges
(sometimes called “balance billing”).
34. What is the main customer service number?
800-542-9402
35. Whom do I write/call if I have a complaint or want
Anthem BCBS
to file a grievance? 11
Complaints and Appeals
700 Broadway
CAT0430
Denver, CO 80273
800-542-9402

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BENEFIT LEVELS
36. Whom do I contact if I am not satisfied with the
Write to: Colorado Division of Insurance
resolution of my complaint or grievance?
ICARE Section
1560 Broadway, Suite 850
Denver, CO 80202
37. To assist in filing a grievance, indicate the form
Policy form #’s 94594 , Large group only
number of this policy; whether it is individual,
small group, or large group; and if it is a short-
term policy.
38. Does the plan have a binding arbitration clause?
Yes

1 “Network” refers to a specified group of physicians, hospitals, medical clinics and other health care providers that your
plan may require you to use in order for you to get any coverage at all under the plan, or that the plan may encourage
you to use because it may pay more of your bill if you use their network providers (i.e., go in-network) than if you don’t
(i.e., go out-of-network).

2. “Deductible Type” indicates whether the deductible period is “Calendar Year” (January 1 through December 31) or “Benefit
Year” (i.e., based on a benefit year beginning on the policy’s anniversary date) or if the deductible is based on
other requirements such as a “Per Accident or Injury” or Per Confinement”.

2a “Deductible ” means the amount you will have to pay for allowable covered expenses under a health plan during a
specified time period (e.g., a calendar year or benefit year) before the carrier will cover those expenses. The specific
expenses that are subject to deductible should vary by policy. Expenses that are subject to deductible may be noted.

2b “Individual” means the deductible amount you and each individual covered by a non-HSA qualified policy will have to pay for
the allowable covered expenses before the carrier will cover those expenses. “Single” means the deductible amount you will
have to pay for allowable covered expenses under an HSA-qualified health plan when you are the only individual covered by
the plan.

2c “Family” is the maximum deductible amount that is required to be met for all family members covered by a non-HSA
qualified policy and it may be an aggregated amount (e.g., “$3,000 per family”) or specified as the number of individual
deductibles that must be met (e.g., “3 deductibles per family”). “Non-single” is the deductible amount that must be met by one
or more family members covered by an HSA-qualified plan before any covered expenses are paid.

3 “Out-of-pocket maximum” Means the maximum amount you will have to pay for allowable covered expenses under a
health plan, which may or may not include the deductible or copayments, depending on the contract for that plan. The
specific deductibles or copayments included in the out-of-pocket maximum may vary by policy. Expenses that are applied
toward the out-of-pocket maximum may be noted
4 Medical office visits include physician, mid-level practitioner, and specialist visits,.

5 Well baby care includes an in-hospital newborn pediatric visit and newborn hearing screening. The hospital copayment applies
to mother and well-baby together: there are not separate copayments.

6 Prescription drugs otherwise excluded are not covered, regardless of whether preferred generic, preferred brand name, or
non-preferred.

7 “Emergency care” means all services delivered in an emergency care facility which is necessary to screen and stabilize a
covered person. The plan must cover this care if a prudent layperson having average knowledge of health services and
medicine and acting reasonably would have believed that an emergency medical condition or life- or limb threatening
emergency existed.

8 Grievances. Colorado law requires all plans to use consistent grievance procedures. Write the Colorado Division of Insurance
for a copy of those procedures.

Grandfathered Health Plan

Anthem Blue Cross and Blue Shield and HMO Colorado believes this is a “grandfathered health plan” under the
Patient Protection and Affordable Care Act (the Affordable Care Act). As permitted by the Affordable Care Act, a
grandfathered health plan can preserve certain basic health coverage that was already in effect when that law was
enacted. Being a grandfathered plan means that your Certificate may not include certain consumer protections of
the Affordable Care Act that apply to other plans , for example, the requirement for the provision of preventive health
services without any cost sharing. However, grandfathered health plans must comply with certain other consumer
protections in the Affordable Care Act, for example, the elimination of lifetime limits on benefits.

Questions regarding which protections apply and which protections do not apply to a grandfathered health plan and
what might cause a plan to change from grandfathered health plan status can be directed to the plan administrator.

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Cancer Screenings

At Anthem Blue Cross and Blue Shield and Our subsidiary company, HMO Colorado, Inc., We believe cancer
screenings provide important preventive care that supports Our mission: to improve the lives of the people We serve
and the health of Our communities. We cover cancer screenings as described below.

Pap Tests
All plans provide coverage under the preventive care benefits for a routine annual pap test and the related office
visit. Payment for the routine pap test is based on the plan’s provisions for preventive care. Payment for the related
office visit is based on the plan’s preventive care provisions.

Mammogram Screenings
All plans provide coverage under the preventive care benefits for routine screening or diagnostic mammogram
regardless of age. Payment for the mammogram screening benefit is based on the plan’s provisions for preventive
care.

Prostate Cancer Screenings
All plans provide coverage under the preventive care benefits for routine prostate cancer screening for men.
Payment for the prostate cancer screening is based on the plan’s provisions for preventive care.

Colorectal Cancer Screenings
Several types of colorectal cancer screening methods exist. All plans provide coverage for routine colorectal cancer
screenings, such as fecal occult blood tests, barium enema, sigmoidoscopies and colonoscopies. Depending on the
type of colorectal cancer screening received, payment for the benefit is based on where the services are rendered
and if rendered as a screening or medical procedure. Colorectal cancer screenings are covered under preventive
care as long as the services provided are for a preventive screening. Payment for preventive colorectal cancer
screenings is based on the plan’s provisions for preventive care.

The information above is only a summary of the benefits described. The Booklet includes important additional
information about limitations, exclusions and covered benefits. The Schedule of Benefits (Who Pays What) includes
additional information about Copayments, Deductibles and Coinsurance. If you have any questions, please call Our
member services department at the phone number on the Schedule of Benefits (Who Pays What) form.

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TITLE PAGE (Cover Page)

Anthem Blue Cross and Blue Shield


Colorado Higher Education Insurance Benefits Alliance Trust Custom Plus Health Plan
Anthem Blue Cross and Blue Shield is the trade name of Rocky Mountain Hospital and Medical Service, Inc. HMO products are und erwritten by HMO Colorado, Inc. Life and
disability products underwritten by Anthem Life Insurance Company. Independent licensees of the Blue Cross and Blue Shield Association. ® ANTHEM is a registered trademark
of Anthem Insurance Companies, Inc. The Blue Cross and Blue Shield names and symbols are registered marks of the Blue Cross and Blue Shield Association.

Si usted necesita ayuda en español para entender éste documento, puede solicitarla gratis llamando al número de servicio al cliente que aparece en su tarjeta de identificación o
en su folleto de inscripción.
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CONTACT US
Welcome to Anthem Blue Cross and Blue Shield, where it’s Our mission to improve the health of the people We serve.
You have enrolled in a quality health benefit plan that pays for many health care costs, including most costs for Doctor
and outpatient care, Emergency care and Hospital inpatient care. Throughout this Booklet, “Our”, “We” and “Us” refer to
Anthem Blue Cross and Blue Shield.
This Booklet is a guide to your coverage. Please review this document to become familiar with your benefits, including
what is not covered. By learning how coverage works, you can help make the best use of your benefits.
For questions about coverage, please visit Our website or call Our member services department. The website address is
www.anthem.com and the toll-free member services number is located on the Schedule of Benefits section found in this
Booklet or the Health Benefit ID card mailed to your home.
Thank you for selecting Us for your health care coverage. We wish you good health.



Mike Ramseier
President and General Manager
Anthem Blue Cross and Blue Shield
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By accepting coverage under this Booklet, you accept its terms, conditions, limitations and exclusions. You are bound by
the terms of this Booklet.
Health benefit coverage is defined in the following documents:
 This Booklet, the Schedule of Benefits and any amendments to it;
 The enrollment application and change form and any other application from you or your Dependents; and
 Your Health Benefit ID Card.
In addition, your employer has the following documents that are part of the terms of the health benefit coverage:
 The employer master application; and
 The Employer Master Contract between Us and your employer.
We, or someone on Our behalf, will determine how benefits will be managed and who is eligible under this Booklet. If any
question comes up about any terms of this Booklet, or how they are applied, Our determination will be final. This may
include questions of whether the services, care, treatment, or supplies are Medically Necessary, Experimental or
Investigational, or Cosmetic. But you may use all applicable “Appeals and Complaints” procedures found in a section in
this Booklet.
This Booklet is not a Medicare Supplement policy. If you are eligible for Medicare, please review the Medicare
Supplement Buyer’s Guide available from Our member services.


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Member Rights and Responsibilities
As a Member you have certain rights and responsibilities when receiving your health care. You also have a responsi bility
to take an active role in your care. As your health care partner, We’re committed to making sure your rights are respected
while providing your health benefits. That also means giving you access to Our network Providers and the information you
need to make the best decisions for your health and welfare.
These are your rights and responsibilities:
You have the right to:
 Speak freely and privately with your Doctors and other health Providers about all health care options and treatment
needed for your condition. This is no matter what the cost or whether it’s covered under your plan.
 Work with your Doctors in making choices about your health care.
 Be treated with respect and dignity.
 Expect Us to keep your personal health information private. This is as long as it follows state and Federal laws and
Our privacy policies.
 Get the information you need to help make sure you get the most from your health plan, and share your feedback.
This includes information on:
- Our company and services.
- Our network of Doctors and other health care Providers.
- your rights and responsibilities.
- the rules of your health care plan.
- the way your health plan works.
 Make a complaint or file an appeal about:
- Your plan
- Any care you get
- Any Covered Service or benefit ruling that your plan makes.
 Say no to any care, for any condition, sickness or disease, without it affecting any care you may get in the future. This
includes the right to have your Doctor tell you how that may affect your health now and in the future.
 Get all of the most up-to-date information from a Doctor or other health care professional Provider about the cause of
your illness, your treatment and what may result from it. If you don’t understand certain information, you can choose a
person to be with you to help you understand.
You have the responsibility to:
 Read and understand to the best of your ability all information about your health benefits or ask for help if you need it.
 Follow all plan rules and policies.
 Choose an In-Network Primary Care Provider (Doctor), also called a PCP, if your health care plan requires it.
 Treat all Doctors, health care Providers and staff with courtesy and respect.
 Keep all scheduled appointments with your health care Providers. Call their office if you may be late or need to
cancel.
 Understand your health problems as well as you can and work with your Doctors or other health care Providers to
make a treatment plan that you all agree on.
 Follow the care plan that you have agreed on with your Doctors or health care Providers.
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 Give Us, your Doctors and other health care professionals the information needed to help you get the best possible
care and all the benefits you are entitled to. This may include information about other health and insurance benefits
you have in addition to your coverage with Us.
 Let Our customer service department know if you have any changes to your name, address or family members
covered under your plan..
We are committed to providing quality benefits and customer service to Our Members. Benefits and coverage for services
provided under the benefit program are governed by the Booklet and not by this Member Rights and Responsibilities
statement.
If you need more information or would like to contact Us, please go to www.anthem.com and select Customer Support >
Contact Us. Or call the members services number on your Health Benefit ID Card
How to Obtain Language Assistance
We are committed to communicating with Our Members about their health plan, no matter what their language. We use a
language line interpretation service. Simply call the member services phone number on the back of your Health Benefit
ID Card and a person will be able to assist you. Translation of written materials about your benefits can also be requested
by calling member services.
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TABLE OF CONTENTS
CONTACT US ...................................................................................................................................................................... 8
Member Rights and Responsibilities ............................................................................................................................... 10
ELIGIBILITY ....................................................................................................................................................................... 15
Subscriber ........................................................................................................................................................................... 15
Dependents ........................................................................................................................................................................ 15
Medicare-Eligible Members ................................................................................................................................................ 16
Enrollment Process ............................................................................................................................................................. 16
How to Change Coverage ................................................................................................................................................... 17
HOW TO ACCESS YOUR SERVICES AND OBTAIN APPROVAL OF BENEFITS .......................................................... 18
Providers ............................................................................................................................................................................. 18
Participating Providers .................................................................................................................................................... 18
Non-participating Providers ............................................................................................................................................. 18
Managed Care Features ..................................................................................................................................................... 19
Our Process to Determine if Services are Covered ......................................................................................................... 19
Appropriate Place and Preauthorization .......................................................................................................................... 20
Appropriate Length of Stay.............................................................................................................................................. 21
When We Need More Information ................................................................................................................................... 21
When We Deny Preauthorization .................................................................................................................................... 21
Retrospective Claim Review ........................................................................................................................................... 21
Ongoing Care Needs .......................................................................................................................................................... 21
Transition of Care ............................................................................................................................................................ 21
Utilization Management ................................................................................................................................................... 21
Care Management .......................................................................................................................................................... 21
Disease Management ..................................................................................................................................................... 22
Participation in Ongoing Needs Programs ...................................................................................................................... 22
The BlueCard Program ....................................................................................................................................................... 23
BENEFITS/COVERAGE (WHAT IS COVERED) ............................................................................................................... 24
Preventive Care Services ................................................................................................................................................... 24
Infertility Diagnostic Services .............................................................................................................................................. 25
Maternity Services and Newborn Care ............................................................................................................................... 25
Diabetes Management Services ......................................................................................................................................... 26
Doctor Office Services ........................................................................................................................................................ 26
Telemedicine Services ........................................................................................................................................................ 26
Inpatient Services ............................................................................................................................................................... 27
Inpatient Rehab Services .................................................................................................................................................... 27
Outpatient Services............................................................................................................................................................. 28
Diagnostic Services ............................................................................................................................................................ 28
Surgical Services ................................................................................................................................................................ 28
Private Duty Nursing Care .................................................................................................................................................. 29
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Emergency Care and Urgent Care ..................................................................................................................................... 29
Accidential Injuries .............................................................................................................................................................. 30
Ambulance and Transportation Services ............................................................................................................................ 30
Therapy Services ................................................................................................................................................................ 30
Early Intervention Services.............................................................................................................................................. 31
Autism Spectrum Disorders ................................................................................................................................................ 32
Home Care/Home IV Therapy Services .............................................................................................................................. 32
Medical Foods .................................................................................................................................................................... 33
Hospice Care ...................................................................................................................................................................... 33
Human Organ and Tissue Transplant Services .................................................................................................................. 34
Medical Supplies, Durable Medical Equipment, and Appliances ........................................................................................ 36
Hearing Aid Services .......................................................................................................................................................... 37
Dental Related Services ..................................................................................................................................................... 37
Mental Health, Alcohol Dependency and Substance Dependency Services ...................................................................... 38
Prescription Drugs Administered by a Medical Provider ..................................................................................................... 39
Retail Pharmacy Prescription Drugs ................................................................................................................................... 39
Clinical Trials ...................................................................................................................................................................... 41
LIMITATIONS/EXCLUSIONS (WHAT IS NOT COVERED AND PRE-EXISTING CONDITIONS) ..................................... 42
MEMBER PAYMENT RESPONSIBILITY ........................................................................................................................... 48
Cost Sharing Requirements ................................................................................................................................................ 48
Maximum Allowed Amount .............................................................................................................................................. 48
Provider Network Status.................................................................................................................................................. 49
Member Cost Share ........................................................................................................................................................ 49
Authorized Services ........................................................................................................................................................ 50
Deductible ....................................................................................................................................................................... 50
Coinsurance/Out-of-Pocket Annual Maximum ................................................................................................................ 50
Benefit Period Maximum ................................................................................................................................................. 51
CLAIMS PROCEDURE (HOW TO FILE A CLAIM)............................................................................................................ 52
GENERAL POLICY PROVISIONS ..................................................................................................................................... 54
Workers’ Compensation...................................................................................................................................................... 56
Automobile Insurance Provisions ........................................................................................................................................ 56
Third Party Liability: Subrogation and Right of Reimbursement .......................................................................................... 57
Duplicate Coverage and Coordination of Benefits .............................................................................................................. 58
TERMINATION/NONRENEWAL/CONTINUATION............................................................................................................ 61
Continuation of Coverage ................................................................................................................................................... 62
APPEALS AND COMPLAINTS ......................................................................................................................................... 63
Complaints .......................................................................................................................................................................... 64
Appeals ............................................................................................................................................................................... 64
Grievances .......................................................................................................................................................................... 65
Denver, CO 80273 ............................................................................................................................................................. 65
Division of Insurance Inquiries ............................................................................................................................................ 65
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Binding Arbitration .............................................................................................................................................................. 65
Legal Action ........................................................................................................................................................................ 66
INFORMATION ON POLICY AND RATE CHANGES........................................................................................................ 67
Insurance Premiums ........................................................................................................................................................... 67
DEFINITIONS ..................................................................................................................................................................... 68

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ELIGIBILITY
Subscriber
The Subscriber is a Member in whose name the plan is issued.
If you are a new employee who has a normal work week as noted in the Employer Master Contract, you can join the plan
as a Subscriber. You can ask the employer for the number of hours you must work and other rules to be enrolled.
In some cases, surviving spouses and/or Dependent children of deceased employees, and employees who retire before
the age of 65 may be eligible to continue this coverage. Contact your plan administrator for clarification.
Dependents
Your Dependents may include the following:
Legal spouse, as recognized under the laws of the state where the Subscriber lives. This includes the partner to a
civil union, if recognized as a spousal relationship in the state where the Subscriber lives.
Common-law spouse, all references to spouse in this Booklet include a common-law spouse.
A common law spouse is an eligible Dependent who has a valid common-law marriage in Colorado. This is the same
as any other marriage and can only end by death or divorce.
Designated beneficiary. Your employer may have decided to offer benefits under this plan to designated
beneficiaries. Check with your employer to learn more. If they are recognized by the employer, all references to
spouse in this Booklet include a designated beneficiary. A Recorded Designated Beneficiary Agreement will need to
be provided. A designated beneficiary is not eligible for COBRA under this Booklet.
A designated beneficiary is an agreement entered into by two people for the purpose of making each a beneficiary of
the other and which has been recorded with the county clerk and recorder in the county in which one of the person
lives. The agreement is based on the Colorado Designated Beneficiary Act.
Same-sex (and, subject to Our Underwriting approval, opposite-sex) domestic partner. Check with your
employer to see if a domestic partner will be eligible. If domestic partners are recognized by the employer, all
references to spouse in this Booklet include a domestic partner.
Domestic partner means a person of the same sex (or opposite sex if approved by Underwriting) is the Subscriber’s
sole domestic partner; he or she is mentally competent; he or she is not related to the Subscriber by blood closer than
permitted by state law for marriage; he or she is not married to anyone else; and he or she is financially
interdependent with the Subscriber.
Newborn child. A newborn child born to you or your spouse is covered under your coverage for the first 31 days of
birth. If the newborn is your grandchild, the newborn is usually not covered (see the Grandchild heading in this
section).
During the first 31 days after birth, a newborn child will be covered for Medically Necessary care. This includes well
child care and treatment of medically diagnosed Congenital Defects and Birth Abnormalities. This is regardless of the
limitations and exclusions applicable to other conditions or procedures of this Booklet. All services during the first 31
days are subject to Cost Sharing and any benefit maximums that apply to other conditions.
To keep the child’s coverage beyond the 31-day period, please send Us an Enrollment Application and Change Form
to add the child if you have a non-family policy. We must get this form within 31 days after the birth of the child to
continue coverage. You do not need to complete the form to add the child if you had family coverage at the time of
birth of the child and if no additional Premium is required. Just provide Us notice within 60 days of the child’s birth.
Adopted child. An unmarried child (who has not reached 18 years of age) adopted while you or your spouse is
enrolled will be covered for 31 days after the date of placement for adoption.
“Placement for adoption” means when a Subscriber has a legal obligation to partially or totally support a child in
anticipation of the child’s adoption. A placement ends when the legal obligation for support ends.
To keep the adopted child’s coverage beyond the 31-day, you must send Us an Enrollment Application and Change
Form to add the adopted child. We must get this form within 31 days after the placement of the child for adoption to
continue coverage for the 32nd day and thereafter.
Dependent child. A child (including a stepchild or a disabled child) under 26 years of age may be covered under the
terms of this Booklet. Coverage stops at the end of the month in which the child turns 26. If you or your spouse have
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a qualified medical child support order for this child, the Dependent child is eligible for coverage, up to age 26,
whether the child lives with you or your spouse.
Disabled Dependent child. An unmarried child who is 26 years or older, medically certified as disabled, and
dependent on the parent may be covered under the terms of this Booklet. We must receive notice of the disability for
the disabled Dependent coverage to continue after the Dependent child turns age 26. You and the disabled
Dependent’s Doctor must send Us a Mentally or Physically Disabled Dependent Form. You may call Us or visit Our
website to get such form.
Grandchild. A grandchild of yours or your spouse is not eligible for coverage unless you or your spouse are the court-
appointed permanent guardians or have adopted the grandchild. You must send an Enrollment Application and
Change Form and proof of the court appointment or the legal adoption. One other option is to enroll the grandchild
under an individual child-only plan with, subject to its terms and conditions.
Medicare-Eligible Members
Before you turn 65, or if you qualify for in Medicare other ways, you should contact the local Social Security Administration
office to establish Medicare eligibility. You should then contact the employer to talk about options.
For details on how the benefits will be coordinated between Medicare and this plan, see the “General Policy Provisions”
section.
Enrollment Process
This section lists who is eligible and what forms are needed for enrollment. Coverage starts on the Effective Date in Our
files. No services before that date are covered.
Note: Sending an Enrollment Application and Change Form does not guarantee you get on the plan.
Enrollment Forms
You must send Us an Enrollment Application and Change Form to add any Dependents. More forms may be needed for
special Dependent status. You can get such forms from your employer, Our member services or Our website.
Initial Enrollment
We must receive the enrollment form within 31 days after the date of hire or within 31 days of when the waiting period
ends. The Effective Date will be determined by the waiting period in the Employer Master Contract. The employer can
tell you the length of the waiting period.
Open Enrollment
Any eligible employee who did not enroll when they were first eligible can enroll during the employer’s annual open
enrollment period. This period is generally 31 days before the employer’s Anniversary Date. The annual open enrollment
period is subject to all provisions of the Booklet. The employer can tell you more about the open enrollment period.
Newly Eligible Dependent Enrollment
You may add a Dependent who becomes newly eligible due to a qualifying event. Qualifying events include marriage,
birth, placement for adoption or issuance of a court order. To add the Dependent, We must get an Enrollment Application
and Change Form within 31 days of the date of the event. Proof of the event, e.g., a copy of the marriage certificate or
court order, must be attached to the form. Coverage will be effective on the date of the qualifying event.
When you or your spouse are required by a court or administrative order to cover an eligible Dependent for child support,
the eligible Dependent must be enrolled within 31 days of the issuance of such order. We must receive a copy of the
court or administrative order with the Enrollment Application and Change Form. If you do not add the eligible Dependent
within 31 days of the issuance of the order, you must wait until the next open enrollment to add the Dependent.
Special Enrollment for Eligible Employees and Eligible Dependents
Special enrollment is available for those who are not enrolled in the employer health coverage with Us. This is allowed
when there is a change in family status or when there is an involuntary loss of group coverage.
Family Status Change - Qualifying events for special enrollment due to a family status change are marriage, divorce,
birth, placement for adoption or a qualified medical child support order. If the employer has elected to cover designated
beneficiaries, a family status change includes the addition of a designated beneficiary. We must get the Enrollment
Application and Change Form within 31 days after the date of the event. Proof of such event must be with the form.
Examples of proof may be a copy of the marriage certificate or court order. If you get the form to Us on time, coverage
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with Us starts on the date of the qualifying event. When the event is a birth, labor and delivery benefits are not covered i f
the mother is not on the plan.
Involuntary Loss of Other Group Coverage – An involuntary loss of other coverage is when the other group coverage
stops due to a loss of employment, or the reduction of work hours. It can also be due to the death of an employee, legal
separation or divorce, or loss of Dependent or designated beneficiary status under the other plan. It can also happen
when the other plan no longer covers a class of individuals, or the employer no longer helps pay for the coverage, or
when all benefits end because the person no longer lives, resides or works in the service area of the plan.
If you are approved for special enrollment, coverage with Us starts on the day after the loss of other coverage. If the other
plan offers continuation of coverage, you can only ask for coverage with Us after that coverage ends (or you can enroll at
the next open enrollment).
The loss of other coverage must be involuntary. If you decide to end the other coverage, you do not qualify for special
enrollment. But, you can enroll at the next open enrollment.
Loss of State Medicaid Plan or State Child Health Insurance Program (SCHIP) - Loss of eligibility from a state
Medicaid or SCHIP health plan is also a qualifying event for special enrollment for you or your Dependents. You must file
an application with the employer within 60 days after coverage has ended. Also, special enrollment is allowed for the
employee who becomes eligible for premium assistance, with respect to coverage under the employer’s health coverage,
under a state Medicaid or SCHIP health plan. This includes any waiver or demonstration project conducted under or in
relation to these plans. Similarly, you must file an application with the employer within 60 days after the eligibility date for
assistance is determined.
Late Entrants
If the Subscriber does not enroll themselves and/or their Dependents when first eligible or during a Special Enrollment
period, they will not be eligible to enroll until the next Open Enrollment Period. If you enroll as a late entrant, your eligible
Dependents applying at the same time will also be late entrants.
Military Service
Employees going into or coming back from military service can keep this coverage. This choice is required by the
Uniformed Services Employment and Reemployment Rights Act (USERRA). These rights apply only to employees and
their Dependents covered under the plan before the employee leaves for military service:
 The longest period of coverage under this paragraph is the lesser of;
- 24 months, starting on the date when the absence starts; or
- The day after the person was required to, but failed to, apply for or return to work.
 A person who opts to keep this coverage may be asked to pay up to 102% of the Premium. But those on active duty
for 30 days or less cannot be asked to pay more than the employee’s share, if any, for the coverage.
During a military leave covered by USERRA, the law requires employers to continue to give coverage under this Booklet
to its Members. The coverage provided must be identical to the coverage provided to similarly situated, active employees
and Dependents. This means that if the coverage for similarly situated, active employees and Dependents is modified,
coverage for you (the individual on military leave) will be modified.
Multiple Coverage Plans with Us
You may have more than one group health plan with Us or any of Our affiliates. If you don’t want both plans, you can
cancel one of the plans and ask for a Premium refund. But to get a refund, you must tell Us within 31 days after the dual
coverage starts. If We do not get notice within 31 days, you will not get a refund of past Premium. But you can still ask
Us to cancel the plan you no longer want.
How to Change Coverage
If a group provides you with multiple health care options, you may switch to another coverage offered by the group during
open enrollment.
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HOW TO ACCESS YOUR SERVICES AND OBTAIN APPROVAL OF BENEFITS
This is a Indemnity plan Under this plan you have participating and non-participating Provider benefits. We publish a
directory of participating Providers. You can get a directory from your employer or from Us. You may call the member
services number that is listed on your Health Benefit ID Card or you may write Us and ask that We send you a directory.
You may also search for a Provider on-line at www.anthem.com.
You can access care from In-Network and Out-of-Network Providers without a referral. As well, no authorization or
referral is needed for an OB/GYN and certified nurse midwife care.
Providers
Participating Providers
Participating Providers have a network agreement with Us for this health benefit plan. When you see a participating
Provider you have lower out-of-pocket costs. With participating providers they have agreed to accept Our Maximum
Allowed Amount as payment in full. If you choose to obtain the service from a non-participating Provider rather than the
participating Provider, you will need to pay for any charges from the non-participating Provider that are over Our Maximum
Allowed Amount. The Maximum Allowed Amount is the most We will allow for a Covered Service. You need to check to
see if your Provider is a participating Provider before your visit. To do that, you can check Our website or call Our
member services.
We do not guarantee that a participating Provider is available for all services and supplies covered under your coverage.
For some services and supplies, We may not have arrangements with participating Providers. Please call Our member
services for a list of the counties where We may not have participating Providers for such services and supplies.
Sometimes you may need to travel a reasonable distance to get care from a participating Provider. This does not apply if
care is for an Emergency.
If We don’t have a participating Provider within a reasonable number of miles from your home for a Covered Service, you
may be able to obtain a preauthorized network exception to obtain care from a non-participating Provider at the
participating Provider benefit level. If you want to get a network exception to receive coverage for a Covered Service from
a non-participating Provider at the participating Provider level of benefits, you must call the member services to request
this exception before getting the Covered Service from a non-participating Provider. If approved, We will pay the non-
participating Provider at the participating Provider level of benefits and you won’t need to pay more for the services than i f
the services had been received from a participating Provider.
If you do not receive a preauthorized network exception to obtain Covered Services from a non-participating Provider, the
claim will be processed as a non-participating Provider.
Non-participating Providers
Providers who have not signed a participating Provider contract with Us are non-participating Providers under this plan.
When you see a non-participating Provider you may have higher Out-of-Pocket costs since you will need to pay for any
charges from the non-participating Provider that are over Our Maximum Allowed Amount. .
We will not deny or restrict Covered Services just because you get treatment from a non-participating Provider; however,
you may have to pay more. The Cost Sharing for Covered Services from a non-participating Provider may be larger. Also,
non-participating Providers do not have to accept Our Maximum Allowed Amount as full payment. They can charge or
“balance bill” you for any amount of their bill which We do not pay. This “balance billing” cost is on top of, and does not
count toward, your Cost Sharing obligation.
We pay the benefits of this Booklet directly to non-participating Providers, if you have authorized an assignment of
benefits. An assignment of benefits means you want Us to pay the Provider instead of you. We may require a copy of the
assignment of benefits for Our records. These payments fulfill Our obligation to you for those services.
Voluntary Wellness Incentive Programs
We may offer health or fitness related program options for purchase by your group to help you achieve your best
health. These programs are not Covered Services under your group’s medical insurance policy, but are separate
components, of your group health plan which are not guaranteed under your insurance Booklet and could be discontinued
at any time. If your group has selected one of these options to make available to all employees, you may receive
incentives such as gift cards by participating in or completing such voluntary wellness promotion programs as health
assessments, weight management or tobacco cessation coaching. Under other options a group may select, you may
receive such incentives by achieving specified standards based on health factors under wellness programs that comply
with applicable law. If you think you might be unable to meet the standard, you might qualify for an opportunity to earn the
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same reward by a different means. You may contact Us at the member service number on your Health Benefit ID Card
and We will work with you (and, if you wish, your Doctor) to find a wellness program with the same reward that is right for
you in light of your health status. (If you receive gift cards as a wellness reward and use it for purposes other than for
qualified medical expenses, this may result in taxable income to you. For additional guidance, please consult your tax
advisor.)
Managed Care Features
Managed care is Our way of giving you access to quality, cost effective health care. It uses tools like utilization
management and cost of services, and measures Provider and coverage performance. Your health benefit plan includes
the processes of Preauthorization, concurrent and retrospective reviews to determine when services should be covered
by your health benefit plan. Their purpose is to promote the delivery of cost-effective medical care by reviewing the use of
procedures and, where appropriate, the setting or place of service that they are performed. Your health benefit plan
requires that Covered Services be Medically Necessary for benefits to be provided. When setting or place of service is
part of the review, services that can be safely provided to you in a lower cost setting will not be Medically Necessary if
they are performed in a higher cost setting. This section of the Booklet explains how these managed care features are
used and will guide you through the steps to get care. For more information on what to do for Emergency care and
Urgent Care, please see the “Benefits/Coverage (What Is Covered)” section.
We may, from time to time, waive, enhance, modify or discontinue certain medical management processes (including
Utilization Review, Care Management, and disease management) if in Our discretion, such change is in furtherance of the
provision of cost effective, value based and/or quality services.
In addition, We may select certain qualifying Providers to participate in a program that exempts them from certain
procedural or medical management processes that would otherwise apply. We may also exempt your claim from medical
review if certain conditions apply.
Just because We exempt a process, Provider or claim from the standards which otherwise would apply, it does not mean
that We will do so in the future, or will do so in the future for any other Provider, claim or Member. We may stop or modify
any such exemption with or without advance notice.
You may determine whether a Provider is Participating in certain programs by checking your Provider directory or
contacting member services at the number on the back of your Health Benefit ID card.
You are free to choose your Hospital and attending Doctors. But not all Providers are covered under this Booklet. We
require that Doctors hold a valid Doctor’s license, practice within the scope of that license and be a member of, or
acceptable to, the attending staff and board of directors of the Hospital in which the services are to be provided.
Benefits provided under this coverage do not regulate the amounts charged by Providers of medical care.
Our Process to Determine if Services are Covered
To decide if a health service is covered, We consider if the service is Medically Necessary or preventive and if the service
is Experimental or Investigational or, Cosmetic. We also consider if the terms of this Booklet limit or deny benefits for th e
service. We use many resources, like:
 Peer-reviewed medical literature (such as publications and journals);
 Our adopted medical policies and practice guidelines;
 Guidelines or professional standards which We get from national organizations and professional groups; and
 Consultations with Doctors, Specialists and other health care professionals.
We will decide what services are covered under your Booklet and what services are not covered. But in making these
decisions, We do not promote or reward Our employees or provider reviewers for withholding a benefit approval for
Medically Necessary Covered Services that you are entitled to.
Medically Necessary - We decide whether services, procedures, supplies or visits are Medically Necessary. Other than
preventive services, only Medically Necessary services, procedures, supplies or visits are eligible to be Covered Services.
Our medical policy uses current standards of practice and evaluates medical equipment, treatment and interventions with
an evidence-based review of scientific literature. As medical technology is often changing, We also create or update
policies to address new medications, devices and procedures. We review and update Our medical, behavioral health and
pharmaceutical polices on a regular basis. Those policies are considered part of this Booklet. In evaluating new
technology and whether to consider it as eligible for coverage under Our policies, We consider peer-reviewed medical
literature, consultations with Doctors, Specialists and other health care professionals, policies and procedures of
government agencies and study results showing the impact of the new technology on long-term health.
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Experimental or Investigational and/or Cosmetic Procedures - We don’t pay for any services, procedures, surgeries
or supplies that We consider Experimental or Investigational, and/or Cosmetic. In addition We don’t pay for complications
arising from any services, procedures, surgeries or supplies that We consider Experimental or Investigational, and/or
Cosmetic.
Even if Medically Necessary and not Experimental or Investigational, and/or Cosmetic, a service might not be covered.
The benefits, exclusions and limitations of your coverage take priority over medical policy.
Also, certain procedures, diagnostic tests, Durable Medical Equipment, home care services, home intravenous services
and medications require Our Preauthorization to be covered. The current list of services requiring Preauthorization is on
Our website. See the “Appropriate Place and Preauthorization” below for additional details.
Appropriate Place and Preauthorization
You can get care in an inpatient or outpatient setting. The setting depends on your health condition and what services are
needed to manage your health. We cover care in both places if the care received is a Covered Service and is appropriate
to the setting and is Medically Necessary. Examples of inpatient settings include Hospitals, and Hospice Facilities.
Examples of Outpatient setting are the Doctors’ office, ambulatory Surgery center, Retail Health Clinic, Home Care and
home Hospice settings. Some Covered Services must be received from a designated facility, for example this includes but
is not limited to bariatric Surgery. For human organ transplant services to be covered they need to be received from a
Center of Excellence To determine which Covered Services must be received from a designated facility or Center of
Excellence contact member services. Covered Services received from a non-designated facility may be denied or paid at
a lower amount.
Preauthorization is a process We use to determine if a service or supply is a Covered Service and if your care is given in
the right medical setting. The Preauthorization process may set limits on the coverage available under this Booklet.
Preauthorization is required before a Hospital admission or before receiving certain procedures or services. Some drugs
also require Preauthorization.
Preauthorization criteria will be based on multiple sources including medical policy, clinical guidelines, and pharmacy and
therapeutics guidelines. We may determine that a service that was initially prescribed or requested is not Medically
Necessary if you have not previously tried alternative treatments which are more cost effective.
The in-state participating Provider who schedules an admission or orders the procedures or service is responsible for
getting Preauthorization.
If you are using a non-participating Provider or an out-of-state participating Provider, you need to make sure that the
Provider asks for and gets the Preauthorization from Us. If you don’t get the Preauthorization you may have to pay for any
test, equipment, service or procedure that is not preauthorized. To find out which services require Preauthorization and to
be sure that Preauthorization has been given, you may contact Us.
Inpatient Admissions - Inpatient admissions include admissions to acute care Facility Providers (Hospitals),
long-term care Facility Providers, sub-acute Facility Providers, rehab Facility Providers, and inpatient Hospice
Facility Providers. Admissions for all inpatient stays require Preauthorization. Also, once admitted, further care will be
reviewed under Our concurrent review guidelines. Your Provider must call the number for Provider authorization on your
Health Benefit ID Card to request Preauthorization. We will review the request for Preauthorization. If the inpatient stay i s
approved, all benefits available under your coverage are provided for the set number of days We have preauthorized If
additional days are requested by the Provider, We will reevaluate Our Preauthorization. This helps with your timely
discharge or transfer to the appropriate level of care.
Routine newborn care admissions usually do not require Preauthorization. But if the baby needs to stay in the Hospital
after the mother leaves, Preauthorization is required for the baby’s continued stay.
Scheduled Admissions - Your Provider should get Preauthorization from Us at least 15 days before a planned
admission begins. Then, if the stay goes over the number of days on the Preauthorization, the Provider must get
additional authorization. We will send written confirmation of Our decision to you and your Provider within two
business days of receipt of all necessary information.
Unscheduled (Emergency) Admissions - You don’t need Preauthorization for an Emergency admission. But We do
need to be contacted within seventy-two hours after the admission, unless you are unable to do so. If you can’t notify
Us within seventy-two hours, you still need to notify Us of the admission as soon as you can. We may deny your
coverage if you do not tell Us within seventy-two hours. Some examples of Emergency admissions are admissions
involving accidents, alcohol detoxification, or the onset of labor in pregnancy.
Outpatient Procedures – Even outpatient procedures may need Preauthorization. You and your Providers can visit Our
website at www.anthem.com or call Our member services for a list of outpatient procedures and services that need
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Preauthorization. Your Provider must contact Us for Preauthorization. If preauthorized, these services may be performed
in a Hospital on an outpatient basis or in a freestanding facility, such as an Ambulatory Surgery center.
Appropriate Length of Stay
We work with your Providers, use medical policies and medical care guidelines to decide how long your Hospital stay is
covered. We also use concurrent review to decide how long your stay is covered.
Concurrent Review - While you are in the Hospital, We will review your medical care to see if you are getting appropriate
and Medically Necessary Hospital services. We need to be told about the admission promptly to help with the
management and authorization of any Covered Services during and after your Hospital stay.
At some point during an approved Hospital stay, We may decide that further days or care is not Medically Necessary. We
will notify you, your attending Doctor and the Hospital of this decision. You can choose to stay in the Hospital after
authorization ends, but We will not pay for services after the recommended date of discharge. You will need to pay for all
charges owed after the recommended day of discharge. For more information, read about When We Deny Preauthorization
below.
When We Need More Information
We may request more information from you or others to decide whether to preauthorize the procedure. After We have
received all information and made a decision, We will confirm Our decision within two business days. If We don’t get the
information requested, the Preauthorization may be denied.
If a Preauthorization of a requested service meets Medical Necessity criteria, it does not guarantee that payment will be
allowed. Fraud or abuse, or changes in eligibility afterwards, could cause a denial of payment. When We receive your
claim(s), We will review them against the terms of this Booklet. Also, the Preauthorization is only good for a specific place
and period of time. Services which are not given in the place and time authorized may be denied. If additional services or
time are needed, another or extended Preauthorization is required.
When We Deny Preauthorization
If We do not give you the Preauthorization, you may have to pay for all charges which were not preauthorized. But You or
your representative can Appeal Our Preauthorization decision by following the procedure outlined in the “Appeals and
Complaints” section.
Retrospective Claim Review
This is when We decide to review the care after it was given to you We may do so to see if the care that was given was
what We preauthorized. Or it may be to check how much your care cost or how it matches up against available benefits,
medical policy and medical necessity. We may ask to see your medical records to help Us decide what is covered. If We
decide your care is not covered We will not pay for it. But you or your representative can appeal Our decision by following
the procedure outlines in the “Appeals and Complaints” section.

Ongoing Care Needs
We coordinate ongoing care through services like transition of care, utilization management, care management and
disease management.
Transition of Care
If you are getting ongoing care for a medical condition when you first enroll in this coverage, We may be able to help ease
the transition. Examples of ongoing care are prenatal/obstetrical care, Home Care or Hospice Care. We try to avoid
disruption of a new Member’s care through Our transition of care policy. If interested, you or your Provider must review
the reference sheet, complete a Transition of Care Form and submit them to Us for review. You or your Provider can get
these materials by calling Our medical management department at 303-831-3238 or 1-800-797-7758.
Utilization Management
Utilization management is when We look at national guidelines and medical policies to decide if your care is medically
needed, given in the right setting and for the right amount of time or visits. We may decide that some or all of a service is
not covered. Despite Our decision about coverage, what care you choose is entirely between you and your Provider.
Care Management
You may have an illness or injury that is so complex that a care plan is needed. Some examples are Members with a
spinal cord injury or in need of a transplant. Through this care management a care manager may work with you or your
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family to help coordinate medical care. The care manager may also help organize a smooth transition from Hospital care
to home care. We designed this program to identify patients, early in their care, who may benefit from this service. Care
management helps Providers document, assess and address the issues related to care. It also helps in getting care
issues resolved consistently and on time. Bottom line, care management helps promote quality care results.
We decide who qualifies for care management. Not everyone with the same illness or injury may qualify for care
management. It depends on how much care management We decide you need. We have nurses and oth er qualified staff
to give care management when needed. They have been specially trained to coordinate care in complex cases. You may
work one on one with a care manager. Then again you may not. It depends on whether there is a liaison at the place
where you are admitted. If you are assigned a care manager, you will get the care manager’s phone number. That way
you can call the care manager with any questions you have.
Care managers handle a number of care-related tasks. They work with Providers, patients and patients’ families to draw
up a care plan. Then they help implement and monitor that plan. They also decide if you are getting what you need when
you need it and in the place where you need to get it.
We fit care management to individual needs. We may offer benefits for some alternate care that is not listed as a Covered
Service. We typically only do this in cases with intensive care management. Cases like these are rare. We may also
extend Covered Services beyond the limits of coverage listed in this Booklet. We will make these decisions case-by-case.
Just because We have extended benefits or approved alternate care one time does not mean We have to do it again for
you or for any other Member. We may change or stop giving extended benefits or alternate care. When this happens We
will notify you or your representative in writing.
Disease Management
This is when We help coordinate care for Members who have specific, persistent or chronic conditions like diabetes, heart
disease and asthma.
These disease management programs are designed to promote self-management. It also encourages you to comply with
your Provider’s plan of care. Disease management stresses prevention, education and care coordination. These help to
avoid acute episodes as well as the disease getting worse slowly. We base Our programs on the best practices and
results found in peer-reviewed medical literature. We regularly send care reports to Providers. This promotes continuity of
care.
We may not offer programs to everyone with the conditions listed above. Also, conditions that are more complicated may
need more intense and more frequent services. Just because We have offered disease management to you does not
mean We have to offer other programs to you or any other Member. It’s also up to you.
Disease management is voluntary and you can choose to participate or stop at any time
We have an agreement with Providers who participate in disease management programs. The agreement may include
financial incentives or risk-sharing relationships. These relationships are related to the services provided or to referrals to
other Providers. These other Providers include network Providers and disease management programs. You can contact
your Provider or Us if you have questions about these incentives and risk-sharing relationships.
Participation in Ongoing Needs Programs
There are several ways for you to become involved in one of Our care management or disease management programs.
We can identify Members that We believe may benefit from the programs, or Doctors may refer their patients to Us. You
may also call Us directly at Our Help Line (303) 764-7066 or (877) 225-2583. Additional information about Our disease
management and wellness programs is available on Our website under the BlueCares for You heading.
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The BlueCard Program
Like all Blue Cross & Blue Shield plans throughout the country, We participate in a program called "BlueCard." This
program lets you get Covered Services at the In-Network cost-share when you are traveling out of state and need health
care, as long as you use a BlueCard Provider. All you have to do is show your Health Benefit ID Card to a participating
Blue Cross & Blue Shield Provider, and they will send your claims to Us.
If you are out of state and an Emergency or urgent situation arises, go to the nearest Emergency or Urgent Care Facility.
In a non-Emergency situation, you can find the nearest contracted Provider by visiting the BlueCard Doctor and Hospital
Finder website (www.BCBS.com) or call the number on the back of your Health Benefit ID Card.
You can also access Doctors and Hospitals outside of the U.S. The BlueCard program is recognized in more than 200
countries throughout the world.

Care Outside the United States – BlueCard Worldwide
Before you travel outside the United States, check with your Group or call Customer Service at the number on your Health
Benefit ID Card to find out if your plan has BlueCard Worldwide benefits. Your coverage outside the United States may be
different and We suggest:
 Before you leave home, call the Customer Service number on your Health Benefit ID Card for coverage details.
 Always carry your up to date Anthem Health Benefit ID Card.
 In an Emergency, go straight to the nearest Hospital.
 The BlueCard Worldwide Service Center is on hand 24 hours a day, seven days a week toll-free at (800) 810-BLUE
(2583) or by calling collect at (804) 673-1177. An assistance coordinator, along with a health care professional, will
arrange a Doctor visit or Hospital stay, if needed.
Call the Service Center in these non-emergency situations:
 You need to find a Doctor or Hospital or need health care. An assistance coordinator, along with a medical
professional, will arrange a Doctor visit or Hospital stay, if needed.
 You need Inpatient care. After calling the Service Center, you must also call Us to get approval for benefits at the
phone number on your Health Benefit ID Card. Note: this number is different than the phone numbers listed above for
BlueCard Worldwide.
Payment Details
Participating BlueCard Worldwide Hospitals. In most cases, when you make arrangements for a Hospital stay
through BlueCard Worldwide, you should not need to pay upfront for Inpatient care at participating BlueCard
Worldwide hospitals except for the out-of-pocket costs (non-Covered Services, Deductible, Copayments and
Coinsurance) you normally pay. The Hospital should send in your claim for you.
Doctors and/or non-participating Hospitals. You will need to pay upfront for outpatient services, care received from
a Doctor, and Inpatient care not arranged through the BlueCard Worldwide Service Center. Then you can fill out a
BlueCard Worldwide claim form and send it with the original bill(s) to the BlueCard Worldwide Service Center (the
address is on the form).
Claim Filing
 The Hospital will file your claim if the BlueCard Worldwide Service Center arranged your Hospital stay. You will need
to pay the Hospital for the out-of-pocket costs you normally pay.
 You must file the claim for outpatient and Doctor care, or Inpatient care not arranged through the BlueCard Worldwide
Service Center. You will need to pay the Provider and subsequently send an international claim form with the original
bills to Us.
Claim Forms
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You can get international claim forms from Us, the BlueCard Worldwide Service Center, or online at
www.bcbs.com/bluecardworldwide. The address for sending in claims is on the form.

BENEFITS/COVERAGE (What is Covered)
This section describes your benefits. To learn more, read your Schedule of Benefits.
Covered Services and supplies are only covered if they are Medically Necessary or preventive. They are not covered if
they are Experimental or Investigational, and/or Cosmetic. They are not covered if not preauthorized where required. All
services must be standard medical practice where they are received for the health problem being treated, and they must
be legal in the United States. The fact that a Provider may order, advise or approve that you receive a service, treatment
or supply does not make it Medically Necessary or a Covered Service. It also does not promise payment by Us. To learn
more, read the “How to Access Your Services and Obtain Approval of Benefits” section in this Booklet.
Services, supplies, tests and drugs are not covered if they are excluded under this Booklet or are not obtained in the way
required by this Booklet. To learn more, read the exclusions in each covered benefit, the limits in the Schedule of
Benefits, and the “Limitations/Exclusions (What Is Not Covered and Pre-Existing Conditions)” section of this Booklet.
Preventive Care Services
Preventive Care Services include Outpatient Services and Doctor Office Services. Preventive care includes the
screenings and services listed below, when no sign or history of a health problem exists.
Preventive care does not include services when you have symptoms or have been diagnosed with a medical problem.
Instead, those services will be considered for possible coverage under the Doctor Office Services or Diagnostic Services
benefits below.
 Preventive Care Services are covered as needed by the rules under federal and state laws, including but not limited to
the Patient Protection and Affordable Care Act (PPACA), and are to become effective in accordance with those laws.
Those laws, and your coverage, may change from time to time. Many Preventive Care Services are covered by this
Booklet with no Deductible, Copayment or Coinsurance from the Member when provided by a participating Provider.
These services fall under four broad types as shown below:
 Services with an “A” or “B” rating from the United States Preventive Services Task Force. Examples are:
- Breast cancer;
- Cervical cancer;
- Colorectal cancer;
- High blood pressure;
- Type 2 diabetes Mellitus;
- Cholesterol; and
- Child and adult obesity.
 Routine shots, including flu shots, for children, adolescents, and adults recommended by the Advisory Committee on
Immunization Practices of the Centers for Disease Control and Prevention.
 Preventive care and screenings for children, adolescents, and adults are based on the comprehensive guidelines from
the Health Resources and Services Administration. This includes child health supervision services.
 Other preventive care and screening for women are also covered based on the guidelines from by the Health Resources
and Services Administration, including the following:
– Women’s contraceptives, sterilization procedures, and counseling. This includes Generic and Single Source Drugs
as well as injectable contraceptives and patches. Contraceptive devices such as diaphragms, intrauterine devices
(IUDs), and implants are also covered. You must get covered contraceptives from an In -Network pharmacy or
participating Provider, if you don’t they will not be covered. Multi-Source Drugs will be covered under the Retail
Pharmacy/Home Delivery Pharmacy Prescription Drugs below.
– Breastfeeding support, supplies, and counseling. Benefits for breast pumps are limited to one per pregnancy
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– Gestational diabetes screening.
Additional women’s Preventive Care Services include well-woman visits, HPV testing, counseling for sexually transmitted
infections, counseling and screening for HIV, and counseling and screening for interpersonal and domestic violence.
To learn more, you can call Us using the number on your Health Benefit ID Card. Or you can view the federal
government’s web sites at:
http://www.healthcare.gov/center/regulations/prevention.html;
http://www.ahrq.gov/clinic/uspstfix.html; and
http://www.cdc.gov/vaccines/acip/index.htmlAs required by state law, preventive care services also include:
 Routine screening mammogram;
 Routine cytologic screening (pap test);
 Routine prostate specific antigen (PSA) blood test and digital rectal;
 Colorectal cancer examination, including colonoscopies and related laboratory tests;
 Routine PKU tests for newborns;
 Cholesterol screening for lipid disorders;
 Tobacco use screening of adults and tobacco cessation interventions by your Provider; and
 Alcohol misuse screening and behavioral counseling interventions for adults by your Provider.
In addition to federal and state law rules, the following preventive care services are covered:
 Annual medical diabetes eye exams, or as often as your Provider decides; and
Flu shot from a non-participating Provider flu shot clinic. Coverage is provided for one flu shot per Benefit Period, or more
often as We decide. Some places that may give flu shots are your local pharmacy, at your job, or a grocery store. There
may be other flu shot clinic locations not listed. To learn more about how much We pay you back for a flu shot, and to get
the claim form, visit Our website at www.anthem.com. You may also call Our member services. The amount We cover is
subject to change. A flu shot paid for in full, or in part by someone else, is not eligible for coverage.
Infertility Diagnostic Services
We cover tests and services to find the cause of infertility. We do not cover the treatment of infertility.
Coverage for the diagnosis of infertility includes inpatient services, outpatient services, and Doctor office services.
Coverage is also limited. See the Schedule of Benefits for the most We will pay in a lifetime. If you change coverage and
the new coverage is within the same kind of benefit design, the same lifetime benefit applies. If you change your
coverage to a benefit design that is different, a separate and new lifetime maximum benefit begins with the new coverage.
Maternity Services and Newborn Care
Coverage for maternity and newborn care covers inpatient services, outpatient services and Doctor office services for
normal pregnancy. This includes one routine ultrasound and normal routine nursery care for a well newborn baby. We
also cover complications of pregnancy, as needed by state law, and miscarriage. The newborn baby is covered for
Medically Necessary care and treatment of injury and sickness, and medically diagnosed Congenital Defects and Birth
Abnormalities.
After childbirth, We will cover the mother and the baby for at least 48 hours in a Hospital. If delivery is by cesarean
section, coverage will be for at least 96 hours. If the baby is born between 8:00 p.m. and 8:00 a.m., coverage will
continue until 8:00 a.m. on the morning after the 48 or 96 hours timeframe. But the mother and baby can leave sooner if
the mother and Doctor or certified nurse midwife agree to do so.
At-home visits following child-birth are covered for you at your home by a Doctor, nurse or certified nurse midwife. This
needs to be done within seventy-two (72) hours after you and your baby are released from the Hospital. Coverage for this
visit includes, but is not limited to:
 Parent training;
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 Physical assessments;
 Assessment of the home support system;
 Help and training in breast or bottle feeding; and
 Performance of any maternal or neonatal tests routinely performed during the usual course of inpatient care for the
mother or newborn child, including collecting samples for hereditary disease and metabolic newborn screening.
The mother can decide that this visit may happen at the Doctor’s office.
We pay for Covered Services from a Provider for therapeutic termination of pregnancy only to the extent necessary to
prevent the death of the mother or unborn baby.
Diabetes Management Services
We cover diabetes training and medical nutrition therapy if you have diabetes (whether or not it is insulin dependent), or if
you have raised blood glucose levels caused by pregnancy. Other medical conditions may also qualify. But the services
need to be ordered by a Doctor and given by a Health Care Professional who is certified, registered or with training in
diabetes. Diabetes training sessions must be provided by a health care professional in an outpatient Facility or in a
Doctor’s office.
. Screenings for gestational diabetes are covered under Preventive Care Services.
Doctor Office Services
We cover Doctor office visits when needed to check your health, or to discuss and find the cause of a health problem, or
to get treatment and non-urgent and non-Emergency medical care. Services include getting second opinions on a
condition, or discussing birth control or family planning. Coverage of birth control devices is not covered. For allergies, W e
also cover Doctor office visits to get testing, shots and serum. Office visits may include giving of shots.

See this “Benefits/Coverage (What is Covered)” section for more information on prescription drugs administered in the
office.
There may be a limit on how many times you can visit a Doctor or Provider for certain treatments. Some examples are
physical or speech therapy, or visits to a chiropractor. To learn more, see the Schedule of Benefits.

Telemedicine Services
When you can’t travel to a Provider’s office, Telemedicine benefits might be available when provided by covered
Providers. Telemedicine is the real-time transfer of health data and help. Services include the use of interactive audio,
video, or other electronic media to discuss and treat your health problem. These services are covered if they would be
Covered Services when given in a face-to-face meeting with the Provider. See your Schedule of Benefits for applicable
Deductible and Coinsurance.
There are limits. Telemedicine does not include the use of phones or fax machines. It also is not covered if you c an go
into the office of a participating Provider in the area where you live. Telemedicine benefits may also be limited to only
certain areas in Colorado. Please check with Our member services to see if your area is eligible.
Non-Covered Services are:
 Reporting normal lab or other test results;
 Office appointment requests;
 Billing, insurance coverage or payment questions;
 Requests for referrals to doctors outside the online care panel;
 Benefit Preauthorization; and
 Doctor talking to another Doctor.
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Inpatient Services
Inpatient Hospital Services are for acute care in a Hospital. Benefits are for charges from a Hospital for room, board and
general nursing services, ancillary (related) services, and services from a Doctor while you are in the Hospital. An
inpatient admission may include physical, occupational and speech therapy services care as part of your acute admission.
If an inpatient admission is only for the purpose of rehab see the next section for Inpatient Rehab Services since that care
is limited.
Room, Board and General Nursing Services
 A room with two or more beds;
 A private room but only if it is Medically Necessary that you occupy a private room. For example a private room may
be needed for isolation. If it is Medically Necessary for you to be in Hospital, but not in a private room, We will only
allow benefits for the Hospital’s average rate for a semi-private room; and
 A room in a special care unit approved by Us. The special care unit must be set up to give intensive care and support
to critically ill patients.
Ancillary Services
 Operating, delivery and treatment rooms and supplies;
 Prescribed drugs given as part of the inpatient stay;
 Medical and surgical dressings, supplies, casts and splints;
 Diagnostic services;
 Therapy services;
 General nursing care; and
 After the first three pints of blood charges for processing, transportation, handling and giving of blood are covered.
Charges for the first three pints of blood used and admission are not covered. Charges for blood, blood plasma and
blood products are not covered if the blood, blood plasma or blood products were given to you from a blood bank.
Other Services

 Medical care visits limited to one visit per day by any one professional Provider;
 Intensive medical care when your health problem requires it for a long time;
 If you are in the Hospital for Surgery, and your condition requires it, care by two or more Doctors during one Hospital
stay may be covered;
 Being seen by another professional Provider when your professional Provider asks. But if the request is made just
because of Hospital rules, coverage is not available;
 Surgery Services, including Reconstructive Surgery;
 Anesthesia, Anesthesia supplies and services; and
 Newborn examinations by a Doctor other than the Doctor who performed the obstetrical delivery.
Inpatient Rehab Services
If We determine that you no longer need acute Hospital care, or that the main reason for a Hospital stay is to restore or
improve functions you have lost because of an injury or illness, We will consider the care to be Inpatient Rehab Therapy.
We cover Inpatient Rehab Therapy up to the maximum number of days listed on the Schedule of Benefits.
Benefits for inpatient care are available while you are at a rehab facility for the main reason of getting rehab services. For
example, if your care includes at least three hours of therapy, We may consider it Inpatient Rehab Therapy. Some
therapies are speech therapy, respiratory therapy, occupational therapy and/or physical therapy. There may be di ffering
levels of therapy, like Acute Rehab Therapy, Chronic Rehab Therapy or Sub-Acute Rehab Therapy. But to be eligible for
benefits, rehab services must be aimed at goals that can likely be met in a reasonable period of time. Benefits are not
available for Custodial Care. Benefits will end at the earlier of:
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 When rehab is no longer Medically Necessary and you stop meeting those goals;
 When you have used up the day limit as listed on your Schedule of Benefits; or
 We decide that Maximum Medical Improvement is reached and no further major changes can be made.
Outpatient Services
Outpatient Services are for both Facility and professional Provider charges when given to you in an Outpatient location.
These can be places like a Hospital, Alternative Care Facility or other Facility Provider. Professional charges include
services billed by a Doctor or other professional Provider in the outpatient location.
The services covered for Inpatient Services listed above are also covered for Outpatient Services. What i s not covered is
the room, board and general nursing services.
See this “Benefits/Coverage (What is Covered)” section for more information on prescription drugs administered in the
office.
Diagnostic Services
Coverage for test are covered when they are done as part of preventive care services, Doctor office services, infertility
services, outpatient services, home care services, hospice services, Emergency care and Urgent Care. Covered Services
include:
 X-ray and other radiology;
 Lab and pathology;
 CT, MRI, MRA, PET tests;
 Ultrasounds;
 Allergy tests;
 Hearing tests, unrelated to an exam for prescribing or fitting of a hearing aid, except as required by law;
 Genetic tests if those tests are allowed by Our medical policy; and
 Ultrafast CT scans when Preauthorized and if those tests are allowed by Our medical policy.
Surgical Services
Surgery services are covered when part of a Doctor office service, or on an inpatient or outpatient basis for:
 Surgery or other types of operative services;
 Treating broken bones and dislocations;
 Sterilization services;
 Anesthesia and for an assistant surgeon, but only if allowed by Our medical policy. We do not pay for all surgical
assistant procedures;
 Normal and related care, before and after Surgery; and
 Other types of services as approved by Us.
Bariatric surgery and complications from bariatric surgery that satisfy Our medical policy and which are received from a
designated facility are covered benefits. See the Schedule of Benefits for benefit limitations.
The surgical fee includes usual follow-up care that is Medically Necessary.
Note: If you are getting benefits for a covered mastectomy or for follow-up care for a covered mastectomy, and you
decide to have breast reconstruction, you will also get coverage for:
 Reconstruction of the breast on which the mastectomy has been performed;
 Surgery and reconstruction of the other breast to give a balanced look; and
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 Prostheses and for physical problems caused by any stage of the mastectomy, including lymphedemas.
Private Duty Nursing Care
Coverage for Private Duty Nursing services are allowed when you condition requires that you be placed in an
intensive or coronary care unit but the Hospital doesn’t have such facilities. You can also have Private Duty Nursing
services in your home or other outpatient location.

Private Duty Nursing services are not covered for those services provided by the Hospital staff or a family member. To
be covered the claim needs to have a Doctor’s certification that the services are Medically Necessary and it need to
include the nurse’s degree and license number. See the Schedule of Benefits for benefit limitations.

Emergency Care and Urgent Care
It is good to know the difference between an Emergency and when your situation is Urgent.
Emergency Care
An Emergency is where a prudent person, having average knowledge of health services and medicine and acting
reasonably, believes that immediate medical care is needed to prevent death or serious harm to life or limb. In cases of
Emergency, services are covered from either an participating Provider or non-participating Provider. For Emergency care
from an non-participating Provider, you will not need to pay more than what you would have if you had seen a
participating Provider.
We cover Emergency services needed to screen and Stabilize you without Preauthorization. But once you are stabilized
any further or follow-up care is not considered Emergency care.
For inpatient admissions after Emergency care, you should get in touch with Us within seventy-two hours of being in
admitted or as soon as reasonably possible to obtain authorization for the continued stay.
Urgent Care
Sometimes the type of you care you need is Urgent and it not an Emergency. Urgent Care can be received from an
participating Provider or an non-participating Provider. If you visit a non-participating Provider your Cost Shares will be
higher since you will need to pay for any charges from the non-participating Provider that are over Our Maximum Allowed
Amount. If you have an Accidental Injury or a medical problem, We will decide whether your injury or medical problem,
Accidental Injury care, is Urgent Care or Emergency Care for coverage purposes, based on your diagnosis and
symptoms.
Urgent Care is when you need immediate medical attention but your condition is not life-threatening (non-Emergency).
Treatment of an Urgent Care health problem is not an Emergency and does not need the use of an emergency room at a
Hospital. If you call your Doctor before receiving care for an urgent health problem and you are told to go to an emergency
room, your care will be paid at the level specified in the Schedule of Benefits for Urgent Care.
Obtaining Emergency or Urgent Care
If you need Emergency Care or Urgent Care, even while you are away from home, you are covered. Please follow the
step-by-step instructions below to help make sure you receive coverage:
 Know the difference between an Emergency and an Urgent Care situation;
 If you are having an Emergency, call 9-1-1 or go to the nearest Hospital. If you are having an Urgent Care health
problem, go to an Urgent Care Center or your Doctor’s office. If there is not one nearby, then go to the Hospital;
 Call your Doctor or Us within 72 hours or as soon as you reasonably can;
 Ask if the Hospital or Urgent Care Center contracts with the local Blue Cross and Blue Shield Plan. More than likely it
does;
 If the Hospital or Urgent Care Center contracts with the local Blue Cross and Blue Shield Plan, show your Health
Benefit Identification (ID) Card to the Hospital staff or Doctor. If the Hospital or Urgent Care Center does not contract
with the local Blue Cross and Blue Shield Plan, you will need to pay the bill and file a claim form with Us;
 If the Hospital or Urgent Care Center contracts with the local Blue Cross and Blue Shield Plan, the Hospital or Urgent
Care Center will verify your eligibility and get your benefit information from a nationwide electronic data system;
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 After you are treated, your claim is sent to Us. For Covered Services, you only have to pay any cost shares as stated
in your Schedule of Benefits; and
 You will receive and Explanation of Benefits form.
Accidential Injuries
Additional accident benefits are allowed for Covered Services when needed to treat an Accidental Injury. To be covered
under the Accidental Injury benefits, the following rules need to be met:

 The Accidental Injury needs to have happened on or after your Effective Date of coverage. This applies even when
you have a pre-existing condition limitation period or waiver of that limitation period;
 We allow a maximum of $500 per Member for Covered Services per accident. No Deductible or Coinsurance is taken
on the $500 maximum;
 The $500 maximum renews only when you have a separate accident.
The same services listed in the Booklet are covered for an Accidental Injury. If you receive outpatient medical care for an
accident and are admitted into the Hospital on the same day, those outpatient charges will be included in the Hospital bill.
If the charges for an Accidental Injury are over the $500 maximum then those charges over the $500 maximum are
covered subject to the Deductible and Coinsurance.
Ambulance and Transportation Services
Covered Ambulance and transportation services are by a vehicle designed, equipped and used only to transport the sick
and hurt for the following:
 From your home, scene of accident or health Emergency to a Hospital; or
 Between Hospitals.
Ground Ambulance is most often Our approved method of transportation. Air Ambulance is only a benefit when it is
needed because of terrain, distance or your health problem. We will decide whether transport by air Ambulance is a
benefit on a case-by-case basis. If We decide that air Ambulance was used when ground Ambulance could have been
used, your coverage will be limited to ground Ambulance benefits.
Ambulance services are a Covered Service only when Medically Necessary and for Emergency care. Ambulance
services may also be a Covered Service for the following:
 When ordered by an employer, school, fire or public safety officer and you are not in a position to say no; or
 When We ask you to move from an non-participating Provider to a participating Provider.
Trips must be to the closest local Hospital that can give you the Covered Services needed for your health problem. If a
local Hospital is not available, you are covered for trips to the closest such Hospital outside your local area.
If you decide not to get transported to a Hospital after an Ambulance has been called, your Deductible and/or
Coinsurance will still apply. For Emergency Ambulance services from by a non-participating Provider you do not need to
pay more than would have been paid for services from a participating Provider.
Transportation such as private automobile, commercial or public transportation and wheelchair ambulance are not
covered. In addition if you could have been transported by automobile, commercial, or public transportation without
endangering your health or safety, and ambulance trip will not be covered.
Therapy Services
Coverage for therapy services are covered when done in the Doctor’s office, as part of an inpatient admission, when done
outpatient or as part of Home Care service.
Physical, Speech, and Occupational Therapy
For children under age 6, We cover at least 20 visits, each, of physical, speech and occupational therapy. Benefits include
the treatment of Congenital Defects and Birth Abnormalities, even if it a long term condition. It also doesn’t matter if the
reason for the therapy is to maintain (not improve) the child’s skills. For children between 3 and 6 with Autism Spectrum
Disorders, We cover more than 20 visits of each therapy if part of a Member’s Autism Treatment Plan and determined
Medically Necessary by Us.
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From the Members birth until the Member’s third (3rd) birthday, these services shall be provided only where and only to the
extent required by applicable law.
If you are 6 or older, We cover the number of combined visits listed on the Schedule of Benefits. Coverage is given only if
the physical, speech or occupational therapy will result in a practical improvement in the level of functioning in a short
period of time and is Medically Necessary.
Physical therapy includes care by physical means like, hydrotherapy, heat or like modalities, physical agents, bio-
mechanical and neuro-physiological principles and devices. Physical therapy is given to help pain, return function and
to prevent disability after a health problem, or as a result of a Congenital Defect or Birth Abnormality;
Speech therapy is covered where We decide it’s Medically Necessary to correct a speech problem caused by an
injury, health problem or Congenital Defect or Birth Abnormality. For a cleft palate or cleft lip, Medically Necessary
speech therapy is not limited, but those visits lower the number of speech therapy visits available to treat other
problems; and
Occupational therapy is covered to treat physical disabilities or a Congenital Defect or Birth Abnormality. The
therapy needs to be designed to help your ability to do the usual tasks of your daily living or your job.
Other Therapy Services
Chiropractic therapy services are covered when:
- within the scope of chiropractic care that supports or is needed to help you reach the physical state enjoyed before
the health problem; and
- the services are usually given to diagnose or treat a neuromusculoskeletal health problem linked to an injury or
illness.
Coverage is provided for examinations, office visits with manual adjustment of the spine, x-ray of the spine and
conjunctive physiotherapy. Chiropractic care that is due to an Accidental Injury is covered under the Accidental
Injuries benefits first. Benefits are up to the number of visits as listed on the Schedule of Benefits;
Cardiac Rehab to repair an individual’s functional status after a cardiac event. Benefits are allowed at a facility for
exercise and education under the direct supervision of a professional Provider in an intensive outpatient rehab
program. From 6 to 36 visits per event are allowed based on Our medical policy;
Chemotherapy for the treatment of disease by chemical or biological antineoplastic agents. Chemotherapy services
can be given at the Providers office. See this “Benefits/Coverage (What is Covered)” section under Prescription
Drugs Administered by a Medical Provider for more information;
Dialysis treatments for a short term or chronic kidney illness which may include the use of an artificial kidney
machine;
Radiation therapy for the treatment of disease by x-ray, radium or radioactive isotopes; and
Inhalation therapy for the treatment of a health problem by the using medicines, water vapors, gases, or anesthetics
by inhalation.

Early Intervention Services
Services (as defined in this Booklet and by Colorado law in accordance with part C), that are authorized through an
eligible child's individualized family service plan (IFSP) and delivered by a Qualified Early Intervention Service Provider to
an eligible child, to the extent required by applicable law. The services stated in an IFSP will be considered Medically
Necessary. Coverage for early intervention services does not include: nonemergency medical transportation; respite care;
service coordination, as defined in federal law; or assistive technology (unless covered under the applicable insurance
policy as durable medical equipment). Coverage is limited to up to 45 visits, in 15 minute increments, per Benefit Period.
A 45 minute visit counts as 3 billing increments.
This visit limit does not apply to rehabilitation or therapeutic services that are necessary as the result of an acute medical
condition or post-surgical rehabilitation or services provided to a child who is not participating in part C. The coverage for
Early Intervention Services is in addition to any other coverage provided under this Booklet for congenital defects or birth
abnormalities.
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Autism Spectrum Disorders
Covered Services are provided for the assessment, diagnosis, and treatment of Autism Spectrum Disorders (ASD) for a
covered child. See the Schedule of Benefits for annual maximum benefits associated with Applied Behavior Analysis for
specific age categories. The following treatments will not be considered Experimental or Investigational and will be
considered appropriate, effective, or efficient for the treatment of Autism Spectrum Disorders where We determine such
services are Medically Necessary:
 Evaluation and assessment services;
 Behavior training and behavior management and Applied Behavior Analysis, including but not limited to consultations,
direct care, supervision, or treatment, or any combination thereof, for Autism Spectrum Disorders provided by Autism
Services Providers;
 Habilitative or rehabilitative care, including, but not limited to, occupational therapy, physical therapy, or speech
therapy, or any combination of those therapies.
 Prescription Drugs, if covered under this Booklet;
 Psychiatric care;
 Psychological care, including family counseling; and
 Therapeutic care.
Treatment for Autism Spectrum Disorders must be prescribed or ordered by a Doctor or psychologist, and services must
be provided by a Provider covered under this plan and approved to provide those services. However, behavior training,
behavior management, or Applied Behavior Analysis services (whether provided directly or as part of Therapeutic Care),
must be provided by an Autism Services Provider. Coverage of Autism Spectrum Disorders in this “Benefits/Coverage
(What Is Covered)” section is in addition to coverage provided for early intervention and Congenital Defects and Birth
Abnormality. Autism services and the Autism Treatment Plan are subject to Utilization Review.
Home Care/Home IV Therapy Services
Home health services are performed by a Home Health Agency or other Provider in your home. They must be given on a
part-time visiting basis for your course of treatment. Refer to your Schedule of Benefits for benefit limitations. Covered
Services include the following:
 Professional nursing services you get from a registered nurse (R.N.) or a licensed practical nurse (L.P.N);
 Health care/social services;
 Diagnostic services;
 Nutritional guidance;
 Certified nurse aide services under the supervision of an R.N. or a therapist skilled in professional nursing services;
 Therapy Services like physical, occupational, respiratory, inhalation, speech and hearing therapy. Therapy services
are not subject to the therapy limits listed under the Schedule of Benefits when provided by a Home Health Agency;
 Social work practice services from a social worker;
 Medical and surgical supplies;
 Durable medical equipment; and
 Prescription Drugs but only if provided and billed by a Home Health Care Agency.
Home IV Therapy
Home IV therapy is covered and includes a mixture of nursing care, durable medical equipment and IV pharmaceutical
services. These are delivered and/or given intravenously in the home. Home IV therapy includes services and supplies
such as for Total Parenteral Nutrition (TPN), antibiotic therapy, pain management and chemotherapy. TPN received in the
home is a covered benefit for the first 21 days after a Hospital discharge when it is Medically Necessary. More days may
be given up to a maximum of 42 days per Benefit Period when preauthorized by Us. Aside from the limits above, home IV
therapy services are not subject to the home health care limits listed on the Schedule of Benefits.
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Home IV services are covered only if received from a home infusion Provider which is a participating Provider.
See the “Benefits/Coverage (What is Covered)” section under Prescription Drugs Administered by a Medical Provider for
more information.
Medical Foods
Benefits are given for medical foods for home use for metabolic disorders which may be taken by mouth or ente rally. A
Provider must have prescribed the medical foods that are designed and manufactured for inherited enzymatic disorders
involved in the metabolism of amino, organic, and fatty acids. Such disorders include:
 Phenylketonuria, if you are 21 or younger (35 or younger for women of child-bearing age);
 Maternal phenylketonuria;
 Maple syrup urine disease;
 Tyrosinemia;
 Homocystinuria;
 Histidinemia;
 Urea cycle disorders;
 Hyperlysinemia;
 Glutaric acidemias;
 Methylmalonic academia; and
 Propionic acidemia.
These benefits do not include enteral nutrition therapy or medical foods for Members with cystic fibrosis or lactose- or soy-
intolerance. Also all covered medical foods must be obtained through a Retail Pharmacy and are subject to the pharmacy
payment requirements. If benefits are provided through your pharmacy benefits manager, they will not also be provided
under this section
Hospice Care
Hospice Care may be given in the home or Hospice Facility for a course of treatment for medical, social, psychosocial,
and spiritual services used as relief for pain for patients with a terminal illness. Hospice Care includes routine home care,
constant home care, inpatient hospice and inpatient respite. To be eligible for hospice benefits, the patient must have a
life expectancy of six months or less, as certified by the attending Doctor.
Covered Services include Hospice Care when actively managed by a Hospice Facility. The Hospice Facility has to
coordinate all Hospice Care, whether you get them at home or at the hospice. Any care you get that has to do with an
unrelated illness or medical condition will be subject to the provisions of this plan that deals with that illness.
Hospice Care includes:
 Inpatient Hospice Care;
 Hospice day care;
 Home Care services;
 Skilled nursing services (by an R.N. or L.P.N.);
 Certified nurse aide services or nursing services tasked to other caregivers. This must follow state laws that cover
such care;
 Social/counseling services;
 Doctor services;
 Physical, occupational, speech and respiratory therapies;
 Nutritional counseling by a nutritionist or dietitian;
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 Medical supplies (including respiratory supplies), durable medical equipment (rental or purchase), oxygen, appliances,
prostheses and Orthopedic Appliances;
 Counseling services for the covered Member;
 Bereavement support services for the covered family Members;
 Inpatient hospice respite care. Inpatient hospice respite care may be provided only on an intermittent, nonroutine,
short-term basis;
 Intravenous medications and other Prescription Drugs ordinarily not available through a Retail Pharmacy;
 Short-term inpatient (acute) Hospice Care or continuous home care which may be required during a period of crisis,
for pain control or symptom management;
 Diagnostic testing; and
 Transportation.
Human Organ and Tissue Transplant Services
Covered Services are paid as inpatient services, outpatient services, or Doctor home visits and offices services depending
on where the services is given and subject to your cost shares.
Covered Transplant Procedure
We cover Medically Necessary human organ, tissue, and stem cell / bone marrow transplants and transfusions as
determined by Us when Preauthorized. This includes necessary acquisition procedures, harvest and storage, and
including Medically Necessary preparatory myeloablative therapy.
Covered transplant procedures include:
 Heart;
 Lung (single or double);
 Heart-Lung;
 Kidney-Pancreas;
 Pancreas;
 Liver;
 Bone Marrow/Peripheral Stem Cell/Cord Blood;
 Small bowel; and
 Multivisceral.
This list may change based on Our medical policy. If you are eligible for Medicare (or think you will be in the future), it i s
up to you to contact Medicare to see if you transplant will be covered by Medicare.
Immunosuppressant drugs prescribed for outpatient used with a covered human organ and tissue transplant that are
given only by written prescription and that are approved for general use by the Food and Drug Administration, but only if
your coverage has a Prescription Drug benefit.
As used under this section, the term donor means a person who gives organs for transplantation. If a human organ or
tissue transplant is given from a donor to the person receiving the transplant, the following apply:
 When both the person getting the transplant and the person donating the organ are Our covered Members, each is
entitled to the Covered Services given under the human organ and tissue transplant benefits;
 When only the person getting the transplant is a covered Member, the person donating and the person getting the
transplant are entitled to the Covered Services given under the Human Organ and Tissue Transplant benefits.;
 The donor benefits are limited to those not given or available to the donor from any other source. This includes, but is
not limited to, other insurance coverage, grants, foundations, government programs, etc; and
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 If the person giving the organ is Our covered Member, and the person getting the transplant is not covered by Us,
benefits will not be given for the donor or recipient expenses.
Coverage includes Covered Services for the live donor and/or donated organ or tissue. This can be for such things as
Hospital, surgical, medical, storage and transportation costs (including problems from the donor procedure for up to 6
weeks from the date of getting the organ).
Benefits are given for donor searches that are not part of your family for bone marrow/stem cell transplants for a covered
transplant procedure. Benefits for donor searches that are not part of your family for bone marrow/stem cell donor
searches are limited to the maximum as listed on the Schedule of Benefits.
Participating Transplant Provider
 A Provider that We have chosen as a “Center of Excellence” and/or a Provider selected to take part as an In-Network
transplant Provider by a designee. The Provider has entered into a transplant Provider agreement to give covered
transplant procedures and certain administrative duties for the transplant network. A Provider may be an In-Network
transplant Provider for: Certain covered transplant procedures; or
 All covered transplant procedures.
Transplant Benefit Period
The transplant benefit period starts one day prior to a covered transplant procedure and continues for the applicable case
rate / global time period. The number of days will vary depending on the type of transplant received and the participating
transplant Provider agreement. Contact the case manager for specific participating transplant Provider information for
services received at or coordinated by a participating transplant Provider facility. If you are receiving services from a non-
participating Provider services are covered however you will be responsible for getting the Preauthorization before the
services are received. At the end of the case rate / global time period, benefit are provided under the Doctor Office
Services, Inpatient Services, and Outpatient Services section of the Booklet, depending on where the service is performed
and are not subject to the terms of the this Human Organ and Tissue Transplant section.
Prior Approval and Preauthorization
To maximize your benefits, you should call Our transplant department as soon as you think you may need a
transplant to talk about your benefit options. You must do this before you have an evaluation and/or work-up for
a transplant. We will help you to maximize your benefits by giving coverage information, including details on what is
covered and if any clinical coverage guidelines, medical policies, In-Network transplant rules, or exclusions apply. Call
the member services phone number on the back of your Health Benefit ID Card and ask for the transplant coordinator.
Even if We give a prior approval for the covered transplant procedure, you or your Provider must call Our transplant
department for Preauthorization prior to the transplant whether this is performed in an inpatient or outpatient setting.
Preauthorization is required before We will cover benefits for a transplant. Your Doctor must certify, and We must agree,
that the transplant is Medically Necessary. Your Doctor should submit a written request for Preauthorization to Us as
soon as possible to start this process. Not getting Preauthorization will result in a denial of benefits.
Please note that there are cases where your Provider asks for approval for HLA testing, donor searches and/or a harvest
and storage of stem cells prior to the final decision as to what transplant procedure will be needed. In these cases, the
HLA testing and donor search charges will be covered as routine diagnostic testing. The harvest and storage request will
be reviewed for Medical Necessity and may be approved. However, such an approval for HLA testing, donor search
and/or harvest and storage is not an approval for the later transplant. A separate Medical Necessity decision will be
needed for the transplant .Preauthorization is required before We will cover benefits for a transplant. Your Doctor must
certify, and We must agree, that the transplant is Medically Necessary. Your Doctor should submit a written request for
Preauthorization to Us as soon as possible to start this process. Failure to obtain Preauthorization will result in a denial of
benefits.
Please note that there are instances where your Provider requests approval for HLA testing, donor searches and/or a
harvest and storage of stem cells prior to the final determination as to what transplant procedure will be requested. Under
these circumstances, the HLA testing and donor search charges are covered as routine diagnostic testing. The harvest
and storage request will be reviewed for Medical Necessity and may be approved. However, such an approval for HLA
testing, donor search and/or harvest and storage is not an approval for the subsequent requested transplant. A separate
Medical Necessity determination will be made for the transplant procedure.
Transportation and Lodging
We will cover the cost of reasonable and necessary travel costs when you get prior approval and need to travel more than
75 miles from your permanent home to reach the Facility where the covered transplant procedure will be performed. Our
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help with travel costs includes transportation to and from the Facility, and lodging for the patient and one companion. If
the Member receiving care is a minor, then reasonable and necessary costs for transportation and lodging may be
allowed for two companions. You must send itemized receipts for transportation and lodging costs in a form satisfactory
to Us when claims are filed. Call Us for detailed information. Benefits for travel and lodging are limited to the maximum as
listed on the Schedule of Benefits.
For lodging and ground transportation benefits, We will cover costs up to the current limits set forth in the Internal
Revenue Code.
Limits
Certain human organ and tissue transplant services may be limited. See the Schedule of Benefits.
Also, the human organ and tissue transplant (bone marrow/stem cell) services, benefits or rules described above do not
apply to the following:
 Kidney;
 Cornea; and
 Any Covered Services for a covered transplant procedure received before or after the transplant benefit period. Note:
the harvest and storage of bone marrow/stem cells is included in the covered transplant procedure benefit above no
matter the date of service.
The above Covered Services are paid as Doctor Office Services, Inpatient Services, and Outpatient Services under this
Booklet depending on where the service is performed. Benefits are not covered for transportation, lodging and meals fo r
those services listed above.
Medical Supplies, Durable Medical Equipment, and Appliances
The supplies, equipment and appliances described below are covered under this benefit. But if We decide that the
medical supply, equipment and/or appliances includes comfort, luxury or convenience items, We only allow up to the
Maximum Allowed Amount for a standard covered item.
Medical and Surgical Supplies
We cover syringes, needles, oxygen, surgical dressings, splints and other like items that serve only a health purpose,
including diabetic supplies.
Durable Medical Equipment
We cover the rental (or, at Our choice, the purchase) of durable medical equipment prescribed by a Doctor or other
Provider. The rental cost must not be more than the price to buy the equipment. This equipment must serve only a health
care purpose and be able to withstand repeated use. If We cover a piece of medical equipment, We also cover the repair
of that equipment.
Prosthetic Devices
We cover purchase, fitting, needed changes, repairs, and replacements of prosthetic devices and supplies that:
 Replace all or part of a missing body part and its adjoining tissues; or
 Replace all or part of a permanently ineffective or non-functioning body part.
We also cover prosthetic arms and legs to the benefit amounts provided by federal laws for Medicare or where needed to
meet state insurance law.
Benefits for prosthetic devices include:
 Either one set of standard prescription glasses or one set of contact lenses (whichever is right for the health problem)
when needed to replace human lenses absent at birth or lost through intraocular Surgery, ocular injury or for the
treatment of keratoconus or aphakia;
 Breast prostheses and two surgical bras each Benefit Period after a mastectomy; and
 The first wig after cancer treatment.
Orthopedic Appliances
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We cover the purchase, fitting, needed changes, repairs, and replacements of Orthopedic Appliances and supplies. These
are rigid or semi-rigid supportive devices and items that limit or stop motion of a weak or diseased body part.
Foot Orthotics and orthopedic shoes are not covered (unless you have diabetes).
Hearing Aid Services
For children under 18, subject to the terms of the Booklet, We cover the following hearing aids and the services that go
with them when provided by or purchased as a result of a written recommendation from an otolaryngologist or a state-
certified audiologist:
 Audiological testing to measure the level of hearing loss and to choose the proper make and model of a hearing aid.
These evaluations will be provided under other benefits of this “Benefits/Coverage (What Is Covered)” section for
diagnostic services;
 Hearing aids (monaural or binaural) including ear mold(s), the hearing aid instrument, batteries, cords and other
ancillary equipment. We cover auditory training when it is offered using approved professional standards. Initial and
replacement hearing aids will be supplied every 5 years, a new hearing aid may be a covered service when
alterations to your existing hearing aid cannot adequately meet your needs or be repaired; and
 Visits for fitting, counseling, adjustments and repairs after receiving the covered hearing aid.
Dental Related Services
Accident-Related Dental Services
This Booklet is not meant to provide or replace dental insurance. But benefits are given for dental costs due to an accident
if you meet all of the following rules:
 Dental services, supplies and appliances are needed because of an accident. The accident must have caused other
major bodily injuries outside the mouth or oral cavity;
 Care must be for injuries to your sound natural teeth;
 Care must be needed to fix your teeth to the condition they were in just before the accident;
 The first dental services must be performed within 90 days after your accident; and
 All services must be performed within one year after your accident and the accident had to happen while coverage
was in effect under this employer plan. Services after one year are not covered even if you still have coverage with
Us.
Benefits for restorations are limited to those services, supplies, and appliances that We decide are appropriate in restoring
the mouth, teeth, or jaws to the condition they were in just before the accident.
Dental Anesthesia
Benefits are given for general Anesthesia from a Hospital, outpatient surgical facility or other facility, and for the Hospital
or facility charges needed for dental care for a covered Dependent child who:
 Has a physical, mental or medically compromising condition;
 Has dental needs for which local Anesthesia is not effective because of acute infection, anatomic variation or allergy;
 Is extremely uncooperative, unmanageable, uncommunicative or anxious and whose dental needs are deemed
sufficiently important that dental care cannot be deferred; or
 Has sustained extensive orofacial and dental trauma.
Cleft Palate and Cleft Lip Conditions
Benefits are given for inpatient care and outpatient care, including:
 Orofacial Surgery;
 Surgical care and follow-up care by plastic surgeons and oral surgeons;
 Orthodontics and prosthodontic treatment;
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 Prosthetic treatment such as obturators, speech appliances, and prosthodontic; and
 Prosthodontic and surgical reconstruction for the treatment of cleft palate and/or cleft lip.
If you have a dental policy, the dental policy would be the main policy and must fully cover orthodontics and dental
care for cleft palate and/or cleft lip conditions.
Other
The only other dental costs that are Covered Services are facility charges for inpatient and/or outpatient services. Benefits
are payable in such settings only if the Member’s health problem or the dental treatment calls for it to keep you safe.
Mental Health, Alcohol Dependency and Substance Dependency Services
We cover inpatient services, outpatient services and Doctor office services for the care of Mental Health Conditions,
Alcohol Dependency or Substance Dependency. These services include diagnosis, crisis intervention and short-term care
of Mental Health Conditions and for rehab of Alcohol Dependency or Substance Dependency.
Coverage for mental health care is for those conditions listed in the current version of the International Classification of
Diseases, in the chapter titled “Mental Disorders”. Mental Health Conditions are those that have a psychiatric diagnosis or
that need specific psychotherapeutic care. Attention Deficit Disorder (ADD) and Attention Deficit Hyperactivity Disorder
(ADHD) care is covered under this section if the services are given by a mental health Provider.
Alcohol Dependency and Substance Dependency benefits are for acute medical detox and for rehab. This care is covered
when given by an Alcoholism Treatment Center. Alcohol Dependency or Substance Dependency is what happens when
you use alcohol or other drugs in a way that harms your health or destroys your ability to control your actions. The main
reason for medical detox is to get rid of the toxins in your body, and check your heart rate, blood pressure and other vital
signs. Medical detox helps with your withdrawal signs and it gives you medicines as needed. Rehab includes the services
and treatment listed below, to help you stop abusing alcohol or drugs.
Unless it is an Emergency, if your care is not listed below, it will only be covered if We gave Preauthorization before the
services are received. Only the services received from the Doctor listed on the Preauthorization would be covered.
Inpatient Services. Inpatient care to treat Mental Health Conditions, Alcohol Dependency or Substance Dependency
includes:
 Individual psychotherapy;
 Group psychotherapy;
 Psychological testing;
 Family counseling with family Members to help in your diagnosis and care; and
 Convulsive therapy including electroshock treatment and convulsive drug therapy.
Outpatient Services. The same services listed above for inpatient are covered on an outpatient basis. What are not
covered are room, board and general nursing services. Outpatient services include intensive outpatient treatment.
Partial Hospitalization Services. The same services covered for outpatient services for Mental Health Conditions,
Alcohol Dependency and Substance Dependency are covered when you are in the Hospital for only part of the day.
Partial hospitalization treatment is covered only when you receive Medically Necessary care through a day treatment
program as decided by the facility.
We also cover medicine management for Mental Health Care Conditions when given by your medical Doctor, psychiatrist
or prescriptive nurse. If the medicine management is given by your medical Doctor, benefits are paid under your medical
benefit. If medicine management is given by a psychiatrist or prescriptive nurse, benefits are paid under your mental
health benefit. For coverage of Prescription Drugs, see the “Benefits Coverage (What Is Covered)” section.
Preauthorizations. Your Doctor should call Our behavioral health administrator to find out Medical Necessity needs,
correct treatment level and proper setting. Non Emergency inpatient services need Preauthorization. See the “How to
Access Your Services and Obtain Approval of Benefits” section for information. Our behavioral health administrator must
be told about all Emergency inpatient admissions the day after you have been admitted unless you are unable to contact
Us.
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Prescription Drugs Administered by a Medical Provider
We cover Prescription Drugs when they are administered to you as part of a Doctor’s visit, home care visit, or at an
outpatient facility. This includes drugs for infusion therapy, chemotherapy, specialty drugs, blood products, and office-
based injectable that must be administered by a Provider. This section applies when your Provider orders the drug and
administers it to you. Benefits for drugs that you can inject or get at a Pharmacy (i.e., self-administered injectable drugs)
are not covered under this section. Benefits for those drugs are described in the Retail Pharmacy/Home Delivery
Pharmacy Prescription Drugs or Specialty Pharmacy Drugs sections.
Note: When Prescription Drugs are covered under this benefit, they will not also be provided under the Retail
Pharmacy/Home Delivery Pharmacy Prescription Drugs or Specialty Pharmacy Drugs benefits, they will not be covered
under this benefit.
Important Details About Prescription Drug Coverage
Your plan includes certain features to determine when Prescription Drugs should be covered, which are described below.
As part of these features, your prescribing Doctor may be asked for more details before We can decide if the drug is
Medically Necessary. We may also set quantity and/or age limits for specific Prescription Drugs or use recommendations
made as part of Our Medical Policy and Technology Assessment Committee and/ or Pharmacy and Therapeutics (P&T)
Process.
Preauthorization
Preauthorization may be needed for certain Prescription Drugs to make sure proper use and guidelines for Prescription
Drug coverage are followed. We will contact your Provider to get the details We need to decide if Preauthorization should
be given. We will give the results of Our decision to both you and your Provider.
If Preauthorization is denied you have the right to file a Grievance as outlined in the “Appeals and Complaints” section of
this Booklet.

For a list of drugs that need Preauthorization, please call the phone number on your Health Benefit ID Card. The list will
be reviewed and updated from time to time. Including a drug or related item on the list does not promise coverage under
this Booklet. Your Provider may check with Us to verify drug coverage, to find out whether any quantity (amount) and/or
age limits apply, and to find out which brand or generic drugs covered under this Booklet.

Step Therapy
Step therapy is a process in which you may need to use one type of drug before We will cover another. We check certain
Prescription Drugs to make sure proper prescribing guidelines are followed. These guidelines help you get high quality
yet cost effective Prescription Drugs. If a Doctor decides that a certain drug is needed, the Preauthorization process will
apply.
Therapeutic Substitution
Therapeutic substitution is an optional program that tells you and your Doctor about alternatives to certain prescribed
drugs. We may contact you and your prescribing Doctor to make you aware of these choices. Only you and your Doctor
can determine if the therapeutic substitute is right for you. We have a therapeutic drug substitutes list, which We review
and update from time to time. For questions or issues about therapeutic drug substitutes, please call the phone number
on your Health Benefit ID card.
Retail Pharmacy Prescription Drugs
Our outpatient pharmacy benefits are for medications filled at a Retail Pharmacy.
Outpatient pharmacy services do not include services received in the Hospital as an inpatient, if a medical supply, durable
medical equipment or appliance. See the “Benefits/Coverage (What Is Covered)” section for other Covered Services
covered by the Booklet.
All Prescription Drugs must be on Our Prescription Drug List to be covered. A Prescription Drug must be a Legend Drug
to be eligible for benefits. You may review the current Prescription Drug List on Our website at www.anthem.com, under
prescription benefits. You may also request a copy of the Prescription Drug List by calling Our member services. The
Prescription Drug List is subject to change. Just because a drug or related item is on the list is not a promise of coverage.
For certain Prescription Drugs, the prescribing Doctor may be asked to provide additional information so that We can
determine if Medically Necessary. We may establish quantity limits for specific Prescription Drugs.
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For Prescription Drugs, including Specialty Pharmacy Drugs, which are administered to you in a medical setting (e.g.,
Doctor’s office, home care visit, or outpatient Facility), see this “Benefits/Coverage (What Is Covered)” section for more
information.
Certain Legend Drugs may also be used for treatment of cancer even though it has not been approved by the Food and
Drug Administration (FDA) for treatment of a specific type of cancer, if the following conditions are met:
 the off-label use of the FDA approved drug is supported for the treatment of cancer by the authoritative reference
compendia identified by the Department of Health and Human Services; and
 the condition being treated is covered under this Booklet.
We have established a Pharmacy and Therapeutics (P&T) Process, in which health care professionals, including nurses,
pharmacists and doctors determine the clinical appropriateness of drugs and promote access to quality medications. This
process also reviews drugs to determine the most cost effective use of benefits and advise on programs to help improve
care. Our programs may include, but are not limited to, drug utilization programs, Preauthorization criteria, therapeutic
conversion programs, cross-branded initiatives and drug profiling initiatives.
The determination of tiers is made by Us using information from the P&T Process. In addition We use the cost of the drug
relative to other drugs in its therapeutic class or used to treat the same or similar condition, the availability of over-the-
counter choices and where appropriate, certain clinical economic factors.
The Provider or pharmacist can check with Us to verify any quantity limits, Step Therapy, Preauthorization requirements,
or appropriate Brand Name Drugs or Generic Drugs covered under the Booklet.

When your Provider writes a prescription for a drug that requires Step Therapy, We will let the pharmacy know that you
must first try a different, comparable drug that is covered. The pharmacy will contact your Provider to ask if the
prescription can be changed to the covered drug. If the recommended drug is not right for you, your Provider can ask for a
different one through the Preauthorization process.

Certain Prescription Drugs, or the prescribed quantity of a particular drug, may need Preauthorization. At the time you fill
a prescription, the pharmacy is told about any Preauthorization requirements through the pharmacy’s computer system.
For a list of current drugs requiring Preauthorization, contact Our member services, or review the list on Our website at
www.anthem.com.
Outpatient pharmacy benefits received from a Retail Pharmacy are limited to:
 Prescription Drugs, including self-administered injectable drugs. These are Prescription Drugs that do not need
administration or monitoring by a Provider in an office or Facility. Office-based injectables and infused Drugs that
need Provider administration and/or supervision are covered under the “Prescription Drugs Administered by a Medical
Provider” benefit in this section;
 Injectable insulin and syringes used for administration of insulin;
 Oral contraceptive drugs. Certain contraceptives are covered under Preventive Care Services;
 Certain supplies, equipment and appliances (such as those for diabetes). You may contact Us to determine supplies
covered through a pharmacy; and
 Smoking cessation Prescription Drugs.
Each prescription is subject to Deductible and Coinsurance. The Deductible and Coinsurance will be subject to the
Prescription Drug Maximum Allowed Amount. .
You are limited to supplies of Prescription Drugs in amounts no greater than the appropriate dosage. Supplies that will not
be used until the next Benefit Period will not be covered. You will need to file your own claim to receive reimbursement for
Prescription Drugs.
You may need to file your own claim if you need to have a prescription filled from an In-Network Pharmacy before you
receive your Health Benefit ID Card. The In-Network Retail Pharmacy cannot submit the claim on your behalf.
Prescription Drugs will always be dispensed as ordered by your Provider and by applicable state pharmacy regulations,
however you may have higher out-of-pocket expenses. You may request, or your Provider may order, a Brand Name
Drug. However, if a Generic Drug is available, you will need to pay the cost difference between the Generic Drug and
Brand Name Drug. The difference in cost is in addition to your tier Copayment for the drug. The cost difference between
the Generic Drug and Brand Name Drug does not go towards your Out-of-Pocket Annual Maximum. By law, Generic
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Drugs and Brand Name Drugs must meet the same standards for safety, strength, and effectiveness. Using generics as a
rule saves money, yet provides the same quality. We keep the right to remove certain higher cost Generic Drugs from
this policy.

Clinical Trials
Benefits will be provided for Routine Patient Care costs during a clinical trial if all of these conditions are met (see the
definition of Routine Patient Care in the “Definitions” section of this Booklet):
 The treating Doctor recommends participation in the clinical trial after determining that participation has the potential
to give you some therapeutic benefit;
 We approve the trial or study under the September 19, 2000, Medicare National Coverage Decision as it related to
clinical trials;
 The treating Provider is certified, registered, or licensed. The Provider has to work within the scope of his/her
expertise. The facility and staff giving the care have the experience and training to provide treatment in a competent
manner;
 Before participation in a clinical trial or study, you have signed a consent indicating that you have been informed of the
procedure and whatever risks it has along with alternative treatments. and that any coverage is in accordance with
this Booklet (including the application of out of network cost shares); and
 You have a condition that is disabling, is getting worse or threatens your life.
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LIMITATIONS/EXCLUSIONS (What is Not Covered and Pre-Existing Conditions)
This section talks about the items that are not covered. The items here are not Covered Services under this Booklet. The
list of exclusions is not a complete list of all services, supplies, conditions or situations that are not Covered Services. Just
because a service is not mentioned below does not mean it will be covered. It is important to know that in the
“Benefits/Coverage (What Is Covered)” section and in other parts of the Booklet there are limits, conditions, and
exclusions which apply, even if no mentioned below. The list below is meant as an aid to show common items which are
not covered.
We do not provide benefits for services, supplies, conditions, situations or charges:
1. That We find are not Medically Necessary. Emergency medical care is not subject to this exclusion as long as such
care meets the definition of Emergency medical care, see Emergency Care and Urgent Care under the
“Benefits/Coverage (What Is Covered)” section of this Booklet;
2. Received from someone or an entity that is not a Provider, as defined in this Booklet;
3. That are Experimental or Investigational or related to such, whether incurred before, in connection with, or subsequent
to the Experimental or Investigational service or supply, as determined by Us;
4. That could be paid as benefits through any governmental unit (except Medicaid), unless otherwise required by law.
The payment of benefits under this Booklet will be coordinated with such governmental units as required by state
and/or federal laws;
5. For which benefits would be paid by Medicare Part A and/or Part B, unless otherwise stated in this Booklet or
prohibited by federal law. See Medicare under the “General Policy Provisions” section of this Booklet;
6. In excess of the Maximum Allowed Amount unless otherwise stated in this Booklet;
7. Incurred before your Effective Date;
8. Incurred after the end date of this coverage unless otherwise stated in this Booklet;
9. For any procedures, services, equipment or supplies provided in connection with Cosmetic Services. Cosmetic
Services have the intent to preserve, change or improve your appearance. Or they are for psychiatric or psychological
reasons. There is no coverage for Surgery or treatments to change the texture or appearance of your skin. There is
no coverage to change the size, shape or appearance of facial or body features (such as your nose, eyes, ears,
cheeks, chin, chest or breasts) except where specifically required by law;
10. For services done to maintain or preserve the present level of function or prevent regression of function for a condition
that is resolved or stable;
11. For Dental Services. Excluded dental services include, but are not limited to, preventive care and fluoride
treatments; dental x-rays, supplies, appliances and all associated expenses; and diagnosis and treatment related
to the teeth, jawbones or gums such as extraction (including dental prosthesis and any treatment for teeth, gums,
tooth or upper or lower jaw augmentation or reduction (orthognathic Surgery) extraction of impacted wisdom
tooth), restoration and replacement of teeth, and services to improve dental clinical outcomes. This exclusion
does not apply to services which We are required by law to cover; services to prepare the mouth for radiation
therapy to treat head and/or neck cancer; and services specified as covered in this Booklet;
12. Weight loss programs, whether or not they are under a medical or Doctor’s care, unless otherwise stated in this
Booklet;
13. Treatment of obesity, except for surgical treatment of morbid obesity (bariatric Surgery) up to the maximum benefit as
listed on the Schedule of Benefits;
14. For care you get in an emergency room which is not Emergency care;
15. For research studies or screening exams, unless otherwise stated in this Booklet;
16. For stand-by charges of a Doctor;
17. Shots for travel;
18. Routine exams and shots that are needed as a condition of employment, for licensing, sport programs, insurance,
church, or camp;
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19. Related to male or female sexual or erectile dysfunction or inadequacies, no matter what origin or cause. This
includes all procedures, and equipment developed for or used in the treatment of impotency;
20. Nutritional and/or dietary supplements, or nutritional therapy unless otherwise stated in this Booklet or as required by
law. This exclusion includes those nutritional formulas and dietary supplements that can be bought over the counter,
which by law do not require either a written Prescription Drug or dispensing by a licensed pharmacist;
21. For complications arising from non-Covered Services and supplies;
22. Related to your leaving a Hospital or other facility against the medical advice of the Doctor;
23. For services or supplies for Intractable Pain and/or Chronic Pain;
24. Services that are more than the Benefit Period maximum payments as listed in the Booklet or Schedule of Benefits
even if you have satisfied the Out-of-Pocket Annual Maximum;
25. For any condition, disease, defect, ailment or injury arising out of and in the course of employment, except for officers
of the company who have opted out of workers’ compensation before the illness or injury. This exclusion applies even
if some or all benefits under any Workers’ Compensation Act or other similar law are not paid. This also applies
whether or not you claim the benefits or compensation. It also applies whether or not you recover from any third party,
except as stated in “General Policy Provisions” section of this Booklet;
26. For anything that occurs as a result of any act of war, declared or undeclared, while serving in the military, or services
and supplies furnished by a military facility for disabilities connected to military service;
27. For a condition resulting from a riot, civil disobedience, nuclear explosion or nuclear accident;
28. For testing or care that has been ordered by a court unless Medically Necessary and preauthorized by Us;
29. For which you have no legal obligation to pay in the absence of this or like coverage;
30. That you get from a dental or medical department run by or on behalf of an employer, mutual benefit association,
labor union, trust or similar person or group;
31. Prescribed, ordered or referred by, or received from, a member of your immediate family (parent, child, spouse, sister,
brother or self);
32. For filling out claim forms or charges for medical records or reports, unless otherwise required by law;
33. For missed or canceled appointments;
34. For mileage or other travel costs, except if We approve it;
35. For Custodial Care, or domiciliary or convalescent care, whether or not recommended or performed by a professional;
36. For foot care to improve comfort or appearance. This includes, but not limited to, care for flat feet, subluxations,
corns, bunions (except capsular and bone Surgery), calluses and toenails;
37. For sex change Surgery and related services, or the reversal of that, except where applicable law or regulation
requires coverage of such service or supply;
38. For marital counseling or personal growth;
39. For eyeglasses, contact lenses or their fitting, vision therapy or routine vision exams, unless otherwise stated in this
Booklet;
40. For hearing aids, unless otherwise stated in this Booklet;
41. For services or supplies mainly for educational, vocational, or training purposes, unless otherwise stated in this
Booklet;
42. Services to reverse voluntarily induced sterility;
43. Services of any type for the treatment of infertility;
44. For experimental infertility procedures and non-Medically Necessary infertility procedures including, but not limited to
artificial insemination, In-Vitro fertilization (IVF), gamete intrafallopian transfer (GIFT), and zygote intrafallopian
transfer (ZIFT);
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45. For services (including speech therapy) for dysfunctions that are self correcting. This includes language therapy for
young children with natural dysfluency or developmental articulation errors that are self correcting. It also includes
learning and behavior problems, hyperkinetic syndromes or mental retardation (except for Prescription Drugs for
treatment of these conditions if Prescription Drugs are covered);
46. For personal hygiene services, self help devices that are not medical in nature, or services and supplies for comfort
and ease;
47. For care related to radial keratotomy or keratomileusis or excimer laser photo refractive keratectomy;
48. Health club memberships, exercise equipment, charges from a fitness or personal trainer, or any other charges for
physical fitness, even if ordered by a Doctor. This also applies to health spas;
49. For self help training and other forms of self care that are not medical in nature, unless otherwise stated in this
Booklet;
50. For hair loss treatment, even if the hair loss is caused by a medical condition, except for alopecia areata or as
otherwise stated in this Booklet;
51. For peripheral bone density scans;
52. For storage or other administrative costs, except when provided as part of the Inpatient Services and Human Organ
and Tissue Transplant Services under the “Benefits/Coverage (What Is Covered)” section of this Booklet;
53. For medical, surgical services and appliances related to temporomandibular joint (TMJ) therapy regardless of Medical
Necessity;
54. For the cost of donor sperm or donor eggs, storage costs for sperm or frozen embryos, or tests to see if a procedure
to promote fertility or pregnancy is effective;
55. Provided or billed by a residential treatment center, school, halfway house, Custodial Care Facility for the
developmentally disabled, or outward bound program, even if psychotherapy is included;
56. For rolfing therapy, myotherapy or prolotherapy;
57. For Ambulance transportation if you could have been transported by private vehicle or by commercial or public
transportation without putting your health or safety in danger;
58. For Foot Orthotics, orthopedic shoes and arch supports (except if you are diagnosed with diabetes);
59. For air conditioners, humidifiers, dehumidifiers, special lighting or other environmental modifiers, wristlets, augmentative
communication devices, surgical supports, and corsets or other articles of clothing, unless otherwise stated in this Booklet;
60. For items most often stocked in the home for general use like Band-Aids, thermometers and petroleum jelly;
61. Treatment of varicose veins or telangiectatic dermal veins (spider veins) by any method (including sclerotherapy or
other surgeries) when services are rendered for Cosmetic purpose;
62. For any services or supplies provided to a person not covered under the Booklet in connection with a surrogate
pregnancy. This includes, but not limited to, the bearing of a child by another woman for a couple who cannot have a
child;
63. Language training for delays in education, psychology or in speech;
64. Hobbies, arts and crafts that are a diversion, for recreation, or vocational in nature;
65. Cardiac Rehab home programs, which also includes on-going care;
66. Related to alternative or complementary medicine. Services in this category include, but are not limited to,
acupuncture, holistic medicine, homeopathy, hypnosis, aroma therapy, massage therapy, reike therapy, herbal,
vitamin or dietary products or therapies, naturopathy, thermography, orthomolecular therapy, contact reflex analysis,
bioenergial synchronization technique (BEST), biofeedback, chelating agents (except for treatment of heavy metal
poisoning) and iridology;
67. For phone or fax communications between a Provider and Member for Telemedicine;
68. Elective termination of pregnancy;
69. For services or supplies from a Skilled Nursing Facility, extended care facility of similar place of care;
Human Organ and Tissue Transplant Services:
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1. If you are not a suitable candidate as determined by the Provider who provides human organ and tissue transplant
services;
2. Benefits for services for donor searches or tissue matching, or personal living costs related to donor searches or
tissue matching, for the recipient or donor, or for their family members or friends except as covered;
3. For any transplant, treatment, procedure, facility, equipment, drug, device, service or supply that requires federal or
other governmental agency approval and such approval is not granted at the time services are provided, including any
service or supply associated with or provided in follow-up;
4. For transplants of organs other than those listed in “Benefits/Coverage (What Is Covered)” section in this Booklet
including non-human organs;
5. Procurement of a donor organ which has been sold rather than donated;
6. Related to artificial and/or mechanical hearts or for subsequent services and supplies for a heart condition as long as
any of the artificial or mechanical heart remains in place. This exclusion includes services for implantation, removal
and complications; or
7. For non-covered transportation and lodging costs related but not limited to the following:
- Alcohol, tobacco, other non food items;
- Meals;
- Child care;
- Mileage within the medical transplant facility city;
- Rental car, buses, taxis, or shuttle services, except those that We approve;
- Frequent flyer miles;
- Coupons, vouchers, or travel tickets;
- Prepayment or deposits;
- Services for a condition that is not directly related, or a direct result, of the transplant;
- Phone calls;
- Laundry;
- Postage;
- Entertainment;
- Interim visits to a medical care facility while waiting for the actual transplant procedure;
- Travel costs for donor companion/caregiver;
- Return visits for the donor for a treatment of an illness found during the evaluation.
Retail Pharmacy Prescription Drugs:
1. Prescription Drugs and supplies received as an inpatient in a hospital or other covered inpatient facility, except where
covered as part of the inpatient stay;
2. Non-legend Prescription Drugs, unless otherwise specified in this Booklet;
3. Drugs prescribed for weight control or appetite suppression;
4. Medication or preparations used for Cosmetic purposes to promote hair growth, prevent hair growth, or medicated
cosmetics. These included but are not limited to Rogaine®, Viniqa®, and Tretinoin (sold under such brand names as
Retin-A®);
5. Drugs not approved by the FDA;
6. Any new FDA approved drug product or technology (including but not limited to medications, medical supplies, or
devices) available in the marketplace for dispensing by the appropriate source for the product or technology, including
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but not limited to Pharmacies, for the first six months after the product or technology received FDA new drug approval
or other applicable FDA approval. We may at Our sole discretion, waive this exclusion in whole or in part for a
specific new FDA approved drug product or technology;
7. Any medications used to treat infertility;
8. When benefits are provided for Prescription Drugs under the Retail Pharmacy/Home Delivery Pharmacy
Prescription Drugs section, they will not also be provided under the Prescription Drugs Administered by a
Professional Provider section.
9. Delivery charges for prescriptions;
10. Charges for the administration of any drug unless dispensed in the Doctor’s office or through home health care;
11. Drugs which are provided as samples to the Provider;
12. Antibacterial soap/detergent, toothpaste/gel, shampoo, or mouthwash/rinse;
13. Hypodermic needles, syringes, or similar devices, except when used for administration of a covered drug when
prescribed in accordance with the terms of the “Benefits/Coverage (What Is Covered)” section;
14. Therapeutic devices or appliances, including support garments and other nonmedicinal supplies (regardless of
intended use);
15. Certain Prescription Drugs may not be covered if you could use a Clinically Equivalent Drug, even if written as a
prescription, unless required by law;
16. Over-the-counter items drugs, devices and products, or Prescription Drugs with over the counter equivalents and
any drugs, devices or products that are therapeutically comparable to an over the counter drug, device, or
product, even if written as a prescription. This includes Prescription Drugs when any version or strength becomes
available over the counter;
17. Drugs not requiring a prescription by federal law (including drugs requiring a prescription by state law, but not federal
law) except for injectable insulin;
18. Prescription Drugs, which are dispensed in quantities or refill frequency which exceed the applicable limits established
by Us, at Our sole discretion;
19. Refills of prescriptions in excess of the quantity prescribed by the Provider, or refilled more than one year from the
date prescribed;
20. Prescription Drugs dispensed for the purpose of international travel;
21. Prescription Drugs which have been obtained through a Home Health Agency;
22. Replacement of lost or stolen Prescription Drugs; or
23. Drugs for treatment of sexual or erectile dysfunction or inadequacies, regardless of origin or cause and even if the
dysfunction is a side effect of, or related to another covered disease or illness.
Chiropractic Therapy
1. Services for preventive, maintenance or well care;
2. Drugs, vitamins, nutritional supplements or herbs from a chiropractor;
3. Vocational, stroke, or long-term rehab unless otherwise stated in this Booklet;
4. Hypnotherapy, behavior training, sleep therapy, or biofeedback;
5. Rental or purchase of durable medical equipment unless otherwise stated in this Booklet;
6. Treatment for weight control;
7. Lab services from a chiropractor;
8. Thermography, hair analysis, heavy metal screening of mineral studies;
9. Inpatient services from a chiropractor;
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10. Manipulation under Anesthesia;
11. Treatment of non-neuromusculoskeltal disorders; or
12. Advance diagnostic services such as MRI, CT, EMG, SEMG, and NCV.
Clinical Trials
1. Any part of the clinical trial or study that is paid for by a government or a biotechnical, pharmaceutical, or medical
industry;
2. Any drug or device that is paid for by the manufacturer, distributor, or provider of the drug or device;
3. Expenses not related to taking part in the clinical trial or study. These include, but is not limited to, travel, housing,
and other expenses that a participant or person with a participant may incur;
4. An item or service that is provided solely for data collection or analysis that is not directly related to the clinical
management of the participant;
5. Costs for the management of research relating to the clinical trial or study;
6. Health care services that, except for the fact that they are being provided in a clinical trial, are otherwise specifically
excluded from coverage under this Booklet; or
7. Any service or procedure related to the diagnosis, treatment or prevention of complications related to a clinical trial.
Pre-existing Conditions
Not applicable, plan does not impose limitation period for pre-existing conditions.
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MEMBER PAYMENT RESPONSIBILITY
Cost Sharing Requirements
Cost Sharing is how We share the cost of health care services with you. It means what We are responsible for paying
and what you are responsible for paying. You meet your Cost Sharing requirements through your payment of Deductibles
and Coinsurance (as described below). How much you have to pay depends on the choices you make of Providers. For
example, if you choose to use a participating Provider or participating facility, your out-of-pocket costs may be less than if
you choose a non-participating Provider or non-participating facility. Your Cost Sharing requirements are based on the
Maximum Allowed Amount.
We work with Doctors, Hospitals, pharmacies and other health care Providers to control health care costs. As part of this
effort, most Providers who contract with Us agree to control costs by giving discounts to Us. Most other insurers maintain
similar arrangements with Providers.
In their contracts, participating Providers agree to accept Our Maximum Allowed Amount as payment in full for Covered
Services. We determine a Maximum Allowed Amount for all procedures performed by Providers.
The contracts between Us and Our participating Providers include a “hold harmless” clause which provides that you
cannot be responsible to the Provider for claims owed by Us for health care services covered under this Booklet. Non-
participating Providers do not have that rule. They can charge or “balance bill” you for any amount of their bill which We
do not pay. This “balance billing” cost can be large, and is on top of, and does not count toward, your Cost Sharing
obligation.
Maximum Allowed Amount
This section describes how We determine what We pay for Covered Services. Reimbursement of Covered Services
given to you by a participating and non-participating Provider is based on your plan’s Maximum Allowed Amount for the
Covered Service that you receive. Please see Inter-Plan Programs in the “Claims Procedure (How to File a Claim)” and
the BlueCard® Program in the “How to Access Your Services and Obtain Approval of Benefits” sections for more
information.
The Maximum Allowed Amount for this plan is the maximum amount of reimbursement We will allow for services and
supplies:
 that meet Our definition of Covered Services, to the extent such services and supplies are covered under this Booklet
and are not excluded;
 that are Medically Necessary; and
 that are provided with all applicable Preauthorization, utilization management or other requirements in this Booklet.
You will be required to pay a portion of the Maximum Allowed Amount if you have not yet met your Deductible or have
Coinsurance. In addition, when you receive Covered Services from a non-participating provider, you may be responsible
for paying any difference between the Maximum Allowed Amount and the Provider’s actual charges. This amount can be
large.
When you receive Covered Services from a Provider, We will apply claim processing rules to the claim submitted. These
rules evaluate the claim information and, among other things, determine the accuracy and appropriateness of the
procedure and diagnosis codes included in the claim. Applying these rules may affect Our determination of the Maximum
Allowed Amount. Our application of these rules does not mean that the Covered Services you receive were not Medically
Necessary. It means We have determined that the claim was submitted inconsistent with procedure coding rules and/or
reimbursement policies. For example, your Provider may have submitted the claim using several procedure codes when
there is a single procedure code that includes all of the procedures that were performed. When this happens, the
Maximum Allowed Amount will be based on the single procedure code rather than a separate Maximum Allowed Amount
for each billed code.
Likewise, when multiple procedures are performed on the same day by the same Doctor or other Provider, We may
reduce the Maximum Allowed Amounts for those secondary and later procedures because reimbursement at 100% of the
Maximum Allowed Amount for those procedures would represent duplicative payment for parts of the primary procedure
that may be considered incidental or inclusive.
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Provider Network Status
The Maximum Allowed Amount may vary depending upon whether the Provider is participating or non-participating.
A participating Provider is a Provider who is in the Provider network for this specific health benefits plan. For Covered
Services performed by a participating Provider, the Maximum Allowed Amount for this plan is the rate the Provider has
agreed with Us to accept as reimbursement for the Covered Services. Because participating Providers have agreed to
accept the Maximum Allowed Amount as payment in full for those Covered Services, they should not send you a bill or
collect for amounts above the Maximum Allowed Amount. However, you may receive a bill or be asked to pay all or a
portion of the Maximum Allowed Amount if you have not yet met your Deductible or have Coinsurance. Please call
member services for help in finding a participating Provider or visit www.anthem.com.
Providers who have not entered into a PPO Provider contract with Us are non-participating Providers and are not in any of
Our networks subject to Blue Cross Blue Shield Association rules governing claims filed by certain ancillary providers.
For Covered Services you receive from a non-participating Provider, the Maximum Allowed Amount for this plan will be
one of the following as determined by Us:
1. An amount based on Our non-participating Provider fee schedule/rate, which We have established at Our discretion,
and which We may modify from time to time, after considering one or more of the following: reimbursement amounts
accepted by like/similar Providers contracted with Us, reimbursement amounts paid by the Centers for Medicare and
Medicaid Services (CMS) for the same services or supplies, and other industry cost, reimbursement and utilization
data; or
2. An amount based on reimbursement or cost information from the Centers for Medicare and Medicaid Services
(“CMS”). When basing the Maximum Allowed Amount upon the level or method of reimbursement used by CMS, We
will update such information, which is unadjusted for geographic locality, no less than annually; or
3. An amount based on information provided by a third party vendor, which may reflect one or more of the following
factors: (1) the complexity or severity of treatment; (2) level of skill and experience required for the treatment; or (3)
comparable Providers’ fees and costs to deliver care; or
4. An amount negotiated by Us or a third party vendor which has been agreed to by the Provider. This may include rates
for services coordinated through Care Management; or
5. An amount based on or derived from the total charges billed by the non-participating Provider.
Unlike participating Providers, non-participating Providers may send you a bill and collect for the amount of the Provider’s
charge that exceeds Our Maximum Allowed Amount. You are responsible for paying the difference between the
Maximum Allowed Amount and the amount the Provider charges. This “balance billing” amount can be large. Choosing a
participating Provider will likely result in lower out of pocket costs to you. Please call member services for help in findi ng a
participating Provider or visit Our website at www.anthem.com.
Member services is also available to assist you in determining your plan’s Maximum Allowed Amount for a particular
service from a non-participating Provider. In order for Us to assist you, you will need to get from your Provider the specific
procedure code(s) and diagnosis code(s) for the services they will give you. You will also need to know the Provider’s
charges to calculate your out of pocket responsibility. Although member services can assist you with this pre-service
information, the final Maximum Allowed Amount for your claim will be based on the actual claim submitted by the Provider.
Member Cost Share
For certain Covered Services, and depending on your health benefits plan, you may be required to pay a part of the
Maximum Allowed Amount as your cost share amount. For example you would need to pay for your Deductible and/or
Coinsurance.
Your cost share amount and out-of-pocket limits may vary depending on whether you receive services from a participating
Provider or non-participating Provider. This means you may be required to pay higher cost share amounts or may have
limits on your benefits when using non-participating Providers. Please see the Schedule of Benefits for your cost share
amounts and limitations. You can also call member services to find out your health benefit coverage or cost share
amounts which can vary by the type of Provider you use.
We will not pay for services that are not covered by this Booklet. You may be responsible for the total amount billed by
your Provider for non Covered Services. It doesn’t matter if the services are performed by a participating Provider or non-
participating Provider. Non-Covered services include services specifically excluded from coverage by the terms of this
Booklet and services received after benefits have been exhausted. Benefits may be exhausted by exceeding, for
example, the lifetime maximum, benefit caps or day/visit limits.
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Sometimes you may only be asked to pay the participating Provider Maximum Allowed Amount for a non-participating
Provider. For example, if you go to a participating Hospital or Provider Facility you may receive Covered Services from a
non-participating Provider like a radiologist, anesthesiologist or pathologist. If you did not know that the Provider is not
participating, and that Provider is employed by or contracted with a Participating Hospital or facility, you will pay the
participating Provider allowance. You will not have to pay more for the Covered Services than you would have had to pay
if it had been received from a participating Provider.
Under certain events, if We pay the Provider amounts that are your responsibility, such as Deductibles and/or
Coinsurance, We may get those amounts back from you. You agree that We have the right to collect such amounts from
you.
Authorized Services
In some cases, such as where there is no participating Provider available for the Covered Service, We may authorize the
participating Provider allowance to apply to a claim for a Covered Service you get from a non-participating Provider. In
such circumstance, you must contact Us in advance of getting the Covered Service. Please contact member services to
request authorization.
Deductible
A Deductible is a set dollar amount for Covered Services that you must pay within your Benefit Period before We pay for
Covered Services. Deductibles do not contribute toward your Out-of-Pocket Annual Maximum. Copayments and
Coinsurance are separate from and do not apply to the Deductible. The Deductible amount is listed in the Schedule of
Benefits.
Each Member must meet a separate Deductible. A new Deductible is required for each Benefit Period.
Family Deductible - The family Deductible is a combined Deductible. This means any combination of amounts paid by
family Members toward Covered Services can be used to satisfy the family Deductible. One person may not contribute
more than the individual Deductible toward the family Deductible.
The family Deductible applies to newborn and adopted children for the first 31-day period following birth or adoption if the
child is enrolled or not enrolled following the 31-day period.

Carryover Deductible Credit –The Deductible amounts for each individual family Member applied during the last three-
month period will be carried over to the Deductible for your new Benefit Period but only if you have not met the required
Deductible for your Benefit Period. If the amounts applied to the Deductible during the last three months of your Benefit
Period are less than the required Deductible amount, then the amounts applied toward the Deductible during the last
three-month period, will be carried over to the individual Deductible requirement of your new Benefit Period. If the
Deductible is met and Covered Services are paid, no carryover Deductible credit is applied. For a Family Membership,
carryover Deductible credit will be applied to each individual with coverage under the family contract as described above.

Portability of Deductible and Out-of-Pocket - When you change to one of Our Colorado PPO or HMO plans that has
Deductible and Coinsurance, you may be able to apply the costs of Covered Services incurred and applied to the
Deductible and Coinsurance from the prior coverage to your new coverage. Portability is based on the particular benefit
design purchased. For details, please contact Our member services.
Coinsurance/Out-of-Pocket Annual Maximum
You must first meet your annual Deductible if applicable. After the Deductible is met We pay a percentage of charges for
Covered Services as listed on the Schedule of Benefits. This percentage is called Coinsurance.
You pay the Coinsurance percentage for Covered Services until the Out-of-Pocket Annual Maximum is reached for your
Benefit Period. Once the Out-of-Pocket Annual Maximum is reached, We pay 100 percent of any remaining eligible
charges for the rest of your Benefit Period. You will always be responsible for the difference between Billed Charges and
the Maximum Allowed Amount for non-participating Providers, even after reaching the Out-of-Pocket Annual Maximum.
The difference between Billed Charges and the Maximum Allowed Amount for non-participating Providers does not apply
towards your Out-of-Pocket Annual Maximum. In addition, Deductibles are excluded from the Out-of-Pocket Annual
Maximum.
The Out-of-Pocket Annual Maximum is designed to protect you from catastrophic health care costs. Once you and/or your
family have satisfied the Out-of-Pocket Annual Maximum, no additional Deductible or Coinsurance will be required for you
and/or your family for the remainder of the Benefit Period. The Out-of-Pocket Annual maximum is found on the Schedule
of Benefits.
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Family Out-of-Pocket Annual Maximum - The family Out-of-Pocket Annual Maximum is a combined Out-of-Pocket
Annual Maximum. This means any combination of amounts paid by family Members toward Covered Services can be
used to satisfy the family Out-of-Pocket Annual Maximum. One person may not contribute more than the individual Out-of-
Pocket Annual Maximum toward the family Out-of-Pocket Annual Maximum.
The Family Membership Out-of-Pocket Annual Maximum is also applicable for newborn and adopted children for the first
31-day period following birth or adoption if the child is enrolled or not enrolled following the 31-day period.
Benefit Period Maximum
Some Covered Services have a maximum benefit of days, visits or dollar amounts that We will allow during a Benefit
Period. When the Deductible is applied to a Covered Service that has a maximum benefit of days or visits, the maximum
benefits may be reduced by the amount applied to the Deductible, whether or not the Covered Service is paid by Us.
These maximums apply even if you have satisfied the applicable Out-of-Pocket Annual Maximum. See the Schedule of
Benefits for those services which have a Benefit Period Maximum.
If you leave this plan, and go on to a new plan with Us in the same Benefit Period, all covered benefits that have a Benefit
Period maximum or lifetime maximum will be carried over to the new plan. For instance, if a benefit has a limit of one visit
per Benefit Period and you received that benefit under the prior coverage, then you are not eligible under the new plan for
the same benefit until the Benefit Period ends, as benefits have been exhausted for your Benefit Period.
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CLAIMS PROCEDURE (How to File a Claim)
When a participating Provider bills Us for Covered Services, We will pay the charges for the benefit directly to the
Provider. You are responsible for giving the participating Provider all the information needed for them to submit a claim.
You pay a Deductible and/or Coinsurance to the Provider when you get a Covered Service.
If a non-participating Provider does not bill Us directly, you must file the claim. To get claim forms, call Our member services or
print it from Our website at www.anthem.com. If We do not give you a claim form within 15 days of your request, you may
submit written proof of the claim and will be considered to have complied with the rules of this Booklet for submitting a claim.
You must complete the claim form and attach the itemized bill from the Provider. Balance due statements, cash register receipts
and cancelled checks are not accepted. All information on the claim form and itemized bill must be readable. When traveling
outside the country, you should obtain itemized bills translated to English. Charges for Covered Services should be stated in
terms of United States dollar. To find out the dollar amount, use the exchange rate as it was on the date you received care. If
information is missing on the claim form or is not readable, the form will be returned to you. The information contained on the
itemized bills will be used to determine benefits, so it must support information reported on the submitted claim form. The claim
form has detailed instructions on how to complete the form and what information is needed.
We pay the benefits of this Booklet directly to non-participating Providers, depending on whether you have authorized an
assignment of benefits. We may require a copy of the assignment of benefits for Our records. If We pay you directly, you
are responsible for paying the Provider for all charges. These payments fulfill Our obligation to you for those services.
A separate claim form is required for each non-participating Provider for which you are requesting payment.
A separate claim form is required for each Member when charges for more than one family Member are being submitted.
Where and When to Send Claims - A claim must be filed within 365 days after the date of service. Any claims filed after
this limit may be refused. But if you can show that it wasn’t possible to file within this time limit, and that you filed your
claim promptly afterwards, then We will not consider the claim late.
Claims will be processed in the time frame required by any state law for the prompt payment of claims which applies to
this Booklet.
You should make copies of the bills for your own records and attach the original bills to the filled out claim form. Submit
your bills and claim form to:
Anthem Claims
P.O. Box 5747
Denver, CO 80217-5747
If you die, any claims payable to you will be paid to your beneficiary or your estate. If the Provider is a participating
Provider, claim payments will be made to the Provider.
Payment in Error - If We make a payment error, We may require you, the Provider or the ineligible person to give back
the amount paid in error.
Inter-Plan Programs-
Out-of-Area Covered Services - Anthem has a variety of relationships with other Blue Cross and/or Blue Shield
Licensees. These are referred to generally as Inter-Plan Programs. When you obtain Covered Services outside of
Anthem’s service area, the claims may be processed through one of these Inter-Plan Programs, which include the
BlueCard Program, and may include negotiated national account arrangements between Anthem and other Blue
Cross and Blue Shield Licensees.
Typically, when you access medical care outside Anthem’s service area, you will obtain it from Providers that have a
contractual agreement (i.e., are participating Providers) with the local Blue Cross and/or Blue Shield Licensee in that
other geographic area (Host Blue). But in some cases, you may obtain care from non-participating Providers.
Anthem’s payment practices in both instances are generally described below.
BlueCard® Program - Under the BlueCard® Program, when you access Covered Services within the geographic
area served by a Host Blue, Anthem will remain responsible for fulfilling its contractual obligations. But the Host Blue
is responsible for contracting with and generally handling all interactions with its participating health care Providers.
Whenever you access Covered Services outside Anthem’s service area and the claim is processed through the
BlueCard Program, the amount you pay for Covered Services is calculated based on the lower of:
 The billed covered charges for your Covered Services; or
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 The negotiated price that the Host Blue makes available to Anthem.
Often, this “negotiated price” will be a simple discount that reflects an actual price that the Host Blue pays to the
Provider. Sometimes, it is an estimated price that takes into account special arrangements with your health care
Provider or Provider group that may include types of settlements, incentive payments, and/or other credits or charges.
Occasionally, it may be an average price, based on a discount that results in expected average savings for similar
types of healthcare Providers after taking into account the same types of transactions as with an estimated price.
Estimated pricing and average pricing, going forward, also take into account adjustments to correct for over- or
underestimation of modifications of past pricing for the types of transaction modifications noted above. However, such
adjustments will not affect the price Anthem uses for your claim because they will not be applied retroactively to
claims already paid.
Federal law or the law in a small number of states may require the Host Blue to add a surcharge to your calculation. If
federal law or any state laws mandate other liability calculation methods, including a surcharge, We would then
calculate your liability for any covered healthcare services according to applicable law.
Non-Participating Healthcare Providers Outside Our Service Area

Member Liability Calculation

When covered healthcare services are provided outside of Our service area by non-participating healthcare Providers,
the amount you pay for such services will generally be based on either the Host Blue’s nonparticipating healthcare
Provider local payment or the pricing arrangements required by applicable state law. In these situations, you may be
liable for the difference between the amount that the non-participating healthcare Provider bills and the payment We
will make for the Covered Services as set forth in this paragraph.

Exceptions
In certain situations, We may use other payment bases, such as billed covered charges, the payment We would make
if the healthcare services had been obtained within Our service area, or a special negotiated payment, as permitted
under Inter-Plan Programs Policies, to determine the amount W e will pay for services rendered by nonparticipating
healthcare Providers. In these situations, you may be liable for the difference between the amount that the non-
participating healthcare Provider bills and the payment We will make for the Covered Services as set forth in this
paragraph.

If you obtain services in a state with more than one Blue Plan network, an exclusive network arrangement may be in
place. If you see a Provider who is not part of an exclusive network arrangement, that Provider’s service(s) will be
considered Out-of-Network care, and you may be billed the difference between the charge and the Maximum
Allowable Amount. You may call the member service number on your Health Benefit ID card or go to
www.anthem.com for more information about such arrangements.

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GENERAL POLICY PROVISIONS
Catastrophic Events - In case of fire, flood, war, civil disturbance, court order, strike, an act of terrorism or other cause
beyond Our control, We may be unable to process your claims on a timely basis. No legal action or lawsuit may be taken
against Us due to a delay caused by any of these events.
Changes to the Booklet - For employer groups of one to 50, if We amend this Booklet to change benefits, notice of the
amendment will be given to the employer no less than 90 days before to the Effective Date of such change and the
amendment(s) will be effective for each group on the renewal or Anniversary Date of the Employer Master Contract.
For all other changes, such as changes due to state or federal law or regulation, We may amend this Booklet when
authorized by one of Our officers. We will provide the employer with any amendments within 60 days following the
Effective Date of the amendment. If the employer requests a change that reduces or eliminates coverage, such change
must be requested in writing or signed by the employer. The employer will notify you of such change(s) to coverage. We
or the employer will later send or make available to you an amendment to this Booklet or a new Booklet.
No agent or employee of Ours may change this Booklet by giving information that is not correct or complete, or by
contradicting the terms of this Booklet. Any such situation will not prevent Us from administering this Booklet in strict
accordance with its terms. Oral or written statements do not replace the terms of this Booklet.

Conformity with Law – any term in this Booklet which is in conflict with the laws of the state in which the Group Contract
is issued, or with federal law, will hereby be automatically amended to conform with the minimum requirements of such
laws.
Contracting Entity - You acknowledge that you understand that the Booklet constitutes a contract solely between you
and Us. We are an independent corporation operating under a license from the Blue Cross and Blue Shield Association,
which is an association of independent Blue Cross and Blue Shield Plans. The Blue Cross and Blue Shield Association
permits Us to use the Blue Cross and Blue Shield Service Mark, and in doing so, We are not contracting as the agent of
the Blue Cross and Blue Shield Association. The Subscriber further acknowledges and agrees that the Subscriber has
not entered into the contract based on representations by any person other than one of Our representatives, and that no
person, entity or organization other than Us will be held accountable or liable to the Subscriber for any of Our obligations
created under the Booklet. This paragraph does not create any additional obligations whatsoever on Our part other than
those obligations created under other provisions of the Booklet.
Decision Makers - In some case, We will recognize others as surrogate decision-makers to make decisions related to
you health insurance coverage as required by state law. We require documentation as required by law for this
authorization or appointment.
Fraudulent Insurance Acts - It is against the law to knowingly provide false, incomplete or misleading facts or
information to an insurance company for defrauding or attempting to defraud the company. Penalties may include
imprisonment, fines, denial of insurance and civil damages. Any insurance company or agent of an insurance company
who knowingly provides false, incomplete or misleading facts or information to a policyholder or claimant for defrauding or
attempting to defraud the policyholder or claimant with regard to a settlement or award payable from insurance proceeds
shall be reported to the Colorado Division of Insurance within the Department of Regulatory Agencies.
Insurance fraud results in cost increases for health care coverage. You can help decrease these costs by doing the
following:
 Be wary of offers to waive Deductible and/or Coinsurance. This practice is usually illegal;
 Be wary of mobile health testing labs. Ask what the insurance company will be charged for the tests;
 Always review the Explanation of Benefits received from Us. If there are any discrepancies, call Our member
services; and
 Be very cautious about giving your health insurance coverage information over the phone.
If fraud is suspected, you should contact Our member services.
We reserve the right to recoup any benefit payments paid on your behalf, and/or rescinding your membership under this
Booklet retroactively as if it never existed if you have committed fraud or material misrepresentation in applying for
coverage in or receiving or filing for benefits.
Independent Contractors - We have an independent contractor relationship with Our participating Providers. Doctors
and other Providers are not Our agents or employees, and We and Our employees are not employees or agents of any of
Our participating Providers. We have no control over any diagnosis, treatment, care or other service given to you by any
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Facility or Professional Providers. We are not liable for any claim or demand on account of damages arising out of, or
connected with, any injuries you suffer while receiving care from any of Our participating Providers by reason of neglect or
otherwise.
We have an independent contractor relationship with your employer. The employer is not Our agent or employee, and
We and Our employees are not employees or agents of the employer.
We may subcontract particular services to organizations or entities that are experts in certain areas. This may include
Prescription Drugs, Mental Health Condition, Alcohol Dependency and Substance Dependency services. Such
subcontracted organizations or entities may make benefit determinations and/or perform administrative, claims payment
or member services duties on Our behalf.
Member’s Duty to Give Information and Cooperate – You must give Us information We will need to decide if services
are covered under this Booklet. We will also need information to carry out the other terms of this Booklet.
You agree to cooperate at all times, even when you are in a hospital. This is done by allowing Us to see your medical
records to review claims and confirm information you gave in your enrollment application, change form, or health
statement.
If you do not supply information or cooperate as described above, We may deny the claims subject to investigation and
We, where permitted by law, may end your coverage.
Medicare – Any benefits covered under both this Booklet and Medicare will be paid pursuant to Medicare Secondary
Payor legislation, regulations, and Health Care Financing Administration guidelines, subject to federal court decisions.
Federal law controls when there is a conflict among state law, Booklet provisions, and federal law. Except when federal
law require Us to be the primary payor, the benefits under this Booklet if you are age 65 and older, do not duplicate any
benefit for which you are entitled under Medicare, including Part B. We will coordinate benefits with Medicare consistent
with state and federal law. Where Medicare is the responsible payor, all sums payable by Medicare for services provided
to you shall be paid by or on your behalf to Us, to the extent We have made payment for such services.
Network Access Plan – We strive to provide Provider networks in Colorado that addresses your health care needs. The
Network Access Plan describes Our Provider network standards for network sufficiency in service, access and availability,
as well as assessment procedures We follow in Our effort to maintain adequate and accessible networks. To request a
copy of this document, call Our member services. This document is also available on Our website or for in-person review
at 700 Broadway in Denver, Colorado, in the member services.
Non-Contestable - This Booklet shall not be contested, except for nonpayment of Premium by the employer, after it has
been in force for two years from its date of issue. No statement made to effect coverage under the Booklet with respect to
a Member shall be used to avoid the insurance with respect to which statement was made or to reduce benefits under
such Booklet after such insurance had been in force for a period of two years during such Member’s lifetime, unless such
statement is contained in a written instrument signed by the Member making such statement and a copy of that instrument
is or has been given to the Member making the statement or to the beneficiary of any such Member.
Notice of Privacy Practices – We promise to protect the private nature of your medical information to the fullest extent of
the law. In addition to various laws governing your privacy, We have Our own privacy policies and procedures in place
designed to protect your information. We are required by law to provide individuals with notice of Our legal duties and
privacy practices. To obtain a copy of this notice, visit Our website at www.anthem.com or contact Our member services.
No Withholding of Coverage for Necessary Care - We do not pay, reward or incent, financially or otherwise, Our
associates for inappropriate restrictions of care. We do not promote or otherwise provide a reward to employees or
Doctor reviewers for withholding benefit approval for Medically Necessary Covered Services to which you are entitled.
Utilization Review and benefit coverage decision making is based on appropriate care and service and the terms of this
Booklet.
We do not design, calculate, award or permit financial or other rewards based on the frequency of: denials of authorization
for coverage; reductions or limitations on Hospital lengths of stay, medical services or charges; or phone calls or other
contacts with you or your Provider.
Paragraph Headings - The headings used in this Booklet are for reference only and are not to be used by themselves for
interpreting the terms of the Booklet.
Physical Examinations and Autopsies - We have the right, at Our expense, to request an examination of a person
covered by Us when and as often as it may reasonably be required during the review of a case or claim. On the death of
a Member, We may request an autopsy where it is not allowed by law.
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Research Fees - We reserve the right to charge an administrative fee when a lot of research is necessary to reconstruct
information that has already been given to you in Explanations of Benefits, letters or other documents.
Reserve Funds – You are not entitled to share in any reserve or other funds that may be accumulated or established by
Us, unless We grant a right to share in such funds.
Right of Overpayment Recovery - When payment has been made in error, We will have the right to recover such
payment from you or the Provider. In the event We recover a payment made in error from the Provider, We will only
recover such payment from the Provider during the 24 months after the date We made the payment on a claim submitted
by the Provider, except in cases of fraud or where the law specifies a different period of time in which to recover payment.
We reserve the right to deduct or offset any amounts paid in error from any pending or future claim.

We have oversight responsibility for compliance with Provider and vendor and Subcontractor contracts. We may enter into
a settlement or compromise regarding enforcement of these contracts and may retain any recoveries made from a
Provider, vendor, or Subcontractor resulting from these audits if the return of the overpayment is not likely.

We have established Recovery policies to determine which recoveries are to be pursued, when to incur costs and settle or
compromise Recovery amounts. We will not pursue recoveries for overpayments if the cost of collection exceeds the
overpayment amount. We may not provide you with notice of overpayments made by Us or you if the Recovery method
makes providing such notice administratively burdensome.

Sending Notices - All Subscriber notices are considered sent to and received by the Subscriber when deposited in the
United States mail with postage prepaid and addressed to either one of the following:
 The Subscriber at the latest address in Our membership records; or
 The Subscriber’s employer.
Workers’ Compensation
To recover benefits under workers’ compensation insurance for a work-related illness or injury, you must pursue your
rights under the Workers’ Compensation Act or any of the employer liability laws that may apply. This includes filing an
appeal with the Division of Workers’ Compensation. We may pay conditional claims during the appeal process if you sign
a reimbursement agreement to reimburse Us for 100 percent of benefits paid that duplicate benefits paid from another
source.
Services and supplies due to illness or injury related to your work are not a benefit under this Booklet, except for
officers of the company who have opted out of workers’ compensation before the illness or injury. This exclusion from
coverage applies to costs due from occupational accident or sickness covered under the following:
 Occupational disease laws;
 Employer’s liability insurance;
 Municipal, state, or federal law; and
 The Workers’ Compensation Act.
We will not pay benefits for services and supplies due to illness or injury related to your work even if other benefits are not
paid because:
 You fail to file a claim within the filing period allowed by law;
 You get care that is not approved by workers’ compensation insurance;
 Your employer fails to carry the required workers’ compensation insurance. In this case, the employer becomes liable
for any of the illness or injury costs related to your work; or
 You fail to follow any other terms of the Workers’ Compensation Act.
Automobile Insurance Provisions
We will coordinate the benefits of this Booklet with the benefits of a complying auto insurance policy.
A complying automobile insurance policy is an auto policy approved by the Colorado Division of Insurance that provides at
least the minimum coverage required by law, and one which is subject to the Colorado Auto Accident Reparations Act or
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Colorado Revised Statutes §§ 10-4-601 et seq. Any state or federal law requiring similar benefits through legislation or
regulation is also considered a complying auto policy.
How We Coordinate Benefits with Auto Policies - Your benefits under this Booklet may be coordinated with the
coverage’s afforded by an auto policy. After any primary coverage’s offered by the auto policy are exhausted, including
without limitation any no-fault, personal injury protection, or medical payment coverages, We will pay benefits subject to
the terms and conditions of this Booklet. If there is more than one auto policy that offers primary coverage, each will pay
its maximum coverage before We are liable for any further payments.
You, your representative, agents and heirs must fully cooperate with Us to make sure that the auto policy has paid all
required benefits. We may require you to take a physical examination in disputed cases. If there is an auto policy in
effect, and you waive or fail to assert your rights to such benefits, this plan will not pay those benefits that could be
available under an auto policy.
We may require proof that the auto policy has paid all primary benefits before making any payments under this Booklet.
On the other hand, We may but are not required to pay benefits under this Booklet, and later coordinate with or seek
reimbursement under the auto policy. In all cases, upon payment, We are entitled to exercise Our rights under this
Booklet and under applicable law against any and all potentially responsible parties or insurers. In that event, We may
exercise the rights found in this section.
What Happens If You Do Not Have Another Policy - We will pay benefits if you are injured while you are riding in or
driving a motor vehicle that you own if it is not covered by an auto policy.
Similarly if not covered by an auto policy, We will also pay benefits for your injuries if as a non-owner or driver, passenger
or when walking you were in a motor vehicle accident. In that event, We may exercise the rights found in this section.
Third Party Liability: Subrogation and Right of Reimbursement
These provisions apply when We pay benefits as a result of injuries or illness and another party or party(ies) agree or is
ordered to pay money because of these injuries or when the Member received or is entitled to receive a Recovery
because of these injuries or illnesses. Reimbursement or subrogation under this Booklet may only be permitted if you
have been fully compensated, and, the amount recoverable by Us may be reduced by a proportionate share of your
attorney fees and costs, if state law so requires.
Subrogation
We have the right to recover payments We make on your behalf. The following apply:
 If you have been fully compensated, We have a lien against all or a portion of the benefits that have been paid to you
from the following parties, including, but not limited to, the party or parties who caused the injuries or illness, the
insurer or other indemnifier of the party or parties who caused the injuries or illness, a guarantor of the party or parties
who caused the injuries or illness, your own insurer (for example, uninsured, underinsured, medical payments or no-
fault coverage, or a worker’s compensation insurer), or any other person, entity, policy or plan that may be liable or
legally responsible in relation to the injuries or illness. However, Our Recovery cannot exceed the amount actually
paid by Us under your policy as it relates to the injuries or illness that are the subject of the subrogation action; and
 You and your legal representative must do whatever is necessary to enable Us to exercise Our rights and do nothing
to prejudice them. If you have not pursued a claim against a third party allegedly at fault for your injuries by the date
that is sixty (60) days before to the date on which the applicable statute of limitations expires, We have a right to bring
legal action against the at-fault party.
Right of Reimbursement
If you, a person who represents your legal interest, or beneficiary have been fully compensated and We have not been
repaid for the health insurance benefits We paid on the Member’s behalf, We shall have a right to be repaid from the
Recovery in the amount of the health insurance benefits We paid on your behalf and the following apply:
 You must reimburse Us to the extent of the health insurance benefits We paid on the Member’s behalf from any
Recovery, including, but not limited to, the party or parties who caused the injuries or illness, the insurer or other
indemnifier of the party or parties who caused the injuries or illness, a guarantor of the party or parties who caused
the injuries or illness, your own insurer (for example, underinsured, medical payments, or a worker’s compensation
insurer), or any other person, entity, policy or plan that may be liable or legally responsible in relation to the injuries o r
illness;
 Notwithstanding any allocation made in a settlement agreement or court order, We shall have a right of
reimbursement; and
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 You, a person who represents your legal interest, or beneficiary must hold in trust for Us right away the amount
recovered in gross that is to be paid to Us. The amount recovered in gross is the total amount of your Recovery
reduced by your lawyer fees and costs.
The Member’s Duties
 You, a person who represents your legal interest, or beneficiary must tell Us right away the how, when and where an
accident or event that resulted in your injury or illness. We must find out what happened and get all the details about
the parties involved;
 You, a person who represents your legal interest, or beneficiary must work with Us in investigating, settling and
protecting rights;
 You, a person who represents your legal interest, or beneficiary must send Us copies of all police reports, notices or
other papers received in connection with the accident or incident resulting in personal injury or illness;
 You, a person who represents your legal interest, or beneficiary must promptly notify Us if you retain an attorney or if
a lawsuit is filed;
 If you, a person who represents your legal interest, or beneficiary gets a Recovery that is less than the sum of all your
damages incurred by you, you are required to tell Us within 60 days of your receipt of the Recovery. The notice to Us
must include:
- Total amount and source of the Recovery;
- Coverage limits applicable to any available insurance policy, contract or benefit plan; and
- The amount of any costs charged to you.
 If We receive your notice that you have not been fully paid, We have the right to dispute that determination;
 If We dispute whether your Recovery is less than the sum of all your damages, such dispute must be resolved
through arbitration; and
 If you, a person who represents your legal interest, or beneficiary resides in a state where automobile personal injury
protection or medical payment coverage is mandatory, that coverage is primary and the Booklet takes secondary
status. The Booklet will reduce benefits for an amount equal to, but not less than, that state’s mandatory minimum
personal injury protection or medical payment requirement.
Duplicate Coverage and Coordination of Benefits
We may coordinate benefits when you have duplicate coverage.
Duplicate Coverage - Duplicate coverage exists when you are covered by this coverage and also covered by another
group or group-type health insurance or health care benefits coverage or blanket coverage. The total benefits received by
you, or on your behalf, from all coverage’s combined for any claim for Covered Services will not exceed 100 percent of the
total covered charges.
How We Determine Which Coverage is Primary and Which is Secondary - We will determine the primary coverage
and secondary coverage according to the following rule: A coverage is primary if it does not have order of benefit
determination rules or if it has rules that differ from those permitted by state law.
Duplicate Coverage on Members - A coverage is primary if the Member claiming benefits is the person in whose name
the policy is issued but who is not a Dependent under that coverage (except when covered by Medicare or COBRA).
The benefits of a coverage which covers a person as an employee who is not laid-off or retired (or as that employee’s
Dependent) is primary before benefits of a coverage which covers that person as a laid-off or retired employee (or as that
employee’s Dependent).
When you (including your Dependent family Members) have duplicate coverage carried through two or more employers,
the policy that has been in force the longest period of time is primary. The policy that has been in force the shortest
period of time is secondary.
When the coverage through one of the employers is a COBRA policy and one of the coverage’s is through active
employment, the coverage through active work is primary.
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NOTE: Change in the people who manage the plan is considered continuous coverage. This means that the Effective
Date of the coverage in that group is the Effective Date with the insurance company from the start, as long as there were
no lapses in coverage. Further details about coordinating benefits for Members who hold two insurance policies and
Medicare may be found under this section.
Duplicate Coverage on Spouses - When your spouse has group coverage through an employer and is an active worker,
that coverage is primary for the spouse.
When the coverage carried by the spouse is through retiree or work that is no longer active, that coverage will be primary
over the coverage carried by Our Subscriber.
When the spouse’s coverage through the employer is a COBRA policy and Our coverage is active, then the Spouse’s
COBRA coverage will be secondary to Our policy.
Note: Information about coordinating benefits for Members who hold two insurance policies and Medicare may be found
under this section.
Duplicate Coverage on Dependent Children (when parents are not separated or divorced) - If both coverage’s cover
the child as a Dependent, the benefits of the coverage of the parent whose birthday occurs earlier in the year is primary
(“Birthday Rule”) over those of the coverage of the parent whose birthday falls later in that year. However, if both parents
have the same birthday (month and day, not year), then the benefits of the coverage that has covered the parent and
Dependent(s) longest is primary over the coverage which has covered the other parent and Dependent(s) for a shorter
period of time.
If either insurance policy does not follow the Birthday Rule, the male policyholder’s insurance is the primary policy.
Duplicate Coverage on Dependent Children (when parents are separated or divorced) - We require a copy of the
divorce decree to establish primacy on children of divorced parents.
When the specific terms of a court decree state that one of the parents is responsible for providing health insurance for
the child that insurance policy is primary. The insurance policy of the other parent is the secondary coverage.
The insurance of the parent with legal custody of the child is primary. When the parent with custody remarries, the
custodial parent’s coverage remains primary. The stepparent’s coverage becomes secondary, and the coverage of the
parent without custody pays after the stepparent’s coverage.
The birthday rule is the guideline that determines which of two parents’ insurance is primary coverage of the child. It
applies as follows:
 When the terms of the court decree says that the parents share joint custody and both must provide health insurance;
or
 When the terms of the court decree says that the parents share joint custody, without saying which parent is
responsible for providing health insurance for the child
When the divorce decree states that one of the parents is responsible for providing health insurance and the parents
share joint custody, then the parent providing the coverage will be primary.
How We Coordinate Benefits - When We are the primary coverage, We pay benefits under the terms of this Booklet.
When We are the secondary coverage, We may pay up to the difference between benefits that would be payable by the
primary coverage and the amount that would be payable under this Booklet in the absence of a Coordination of Benefits
provision, so long as that difference is not more than We would normally pay. Benefits provided under any other
coverage include benefits that would have been provided had a claim been made for these benefits.
Determining Primacy Between Medicare and Us – We will be the primary payer for persons age 65 and older with
Medicare coverage if the policyholder is actively working for an employer who is providing the policyholder’s health
insurance and the employer has 20 or more employees. Medicare will be the primary payer for persons age 65 and older
with Medicare coverage if the policyholder is not actively working and the Member is enrolled in Medicare. Medicare will
be the primary payer for persons with Medicare age 65 and older if the employer has less than 20 employees and the
Member is enrolled in Medicare.
We will be the primary payer for persons under age 65 with Medicare coverage when Medicare coverage is due to
disability if the policyholder is actively working for an employer who is providing the policyholder’s health insurance and
the employer has 100 or more employees. Medicare will be the primary payer for persons enrolled with Medicare due to
disability if the policyholder is not actively working or the employer has less than 100 employees.
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We will be the primary payer for persons under age 65 with Medicare coverage when Medicare coverage is due to End
Stage Renal Disease (ESRD), for the first 30 months from the entitlement to or eligibility for Medicare (whether or not
Medicare is taken at that time). After 30 months, Medicare will become the primary payer if Medicare is in effect (30-
month coordination period).
When a Member becomes eligible for Medicare due to a second entitlement, such as age, We remain primary. But this
will only apply if the group coverage was primary at the point when the second entitlement took effect, for the duration of
30 months after becoming Medicare entitled or eligible due to ESRD. If Medicare was primary at the point of the second
entitlement, then Medicare remains primary. There will be no 30-month coordination period for ESRD.
Members with Medicare and Two Group Insurance Policies – Based on the primacy rules, if Medicare is secondary to
a group coverage, the primary coverage covering the Member will pay first. Medicare will then pay second, and the
coverage covering the Member as a retiree or an employee that is no longer active or Dependent will pay third. The order
of primacy is not based on the group coverage.
If Medicare is the primary payer due to Medicare primacy rules, then the rules of primacy for employees and their spouses
will be used to determine the coverage that will pay second and third.
Your Obligations – You have an obligation to provide Us with current and accurate information regarding the existence
of other coverage.
Benefits paid under another coverage include benefits that would be paid by that coverage, whether or not a claim is
made. It also includes benefits that would have been paid but were refused. This is due to the claim not being sent to the
Provider of other coverage on a timely basis.
Your benefits under this Booklet will be reduced by the amount that such benefits would duplicate benefits paid under the
primary coverage.
Payment of Benefits to Others - When payments that should have been made under this Booklet were made under any
other coverage, We will have the right to pay to the other coverage any amount We decide to satisfy the intent of this provision.
Any amount so paid will be considered to be benefits paid under this Booklet, and with that payment We will satisfy in full Our
liability.
Duplicate Coverage and Coordination of Benefits Overpayment Recovery - If We have overpaid for Covered
Services under this provision, We will have the right, by offset or otherwise, to recover the excess amount from you or any
person or entity to which, or on whose behalf, the payments were made.


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TERMINATION/NONRENEWAL/CONTINUATION
Active Policy Termination
Your coverage ends when one of the following happens:
 On the date the Employer Master Contract between the employer and Us ends;
 On the Subscriber’s death;
 When the Premium has not been paid;
 When you or your employer commits fraud or intentional misrepresentation of material fact; or
 When you are no longer eligible under the terms of the Employer Master Contract.
 When your employer gives Us written notice that you are no longer eligible. Coverage will end on the date of the
notice or at the end of the month of the qualifying event. We reserve the right to recoup any benefit payments made
for dates of service after the termination date.
 When We receive a 31-day advance written notice to end coverage for any Member. Coverage will end at the end of
the month following the notification period or at the end of the month of the qualifying event. We will credit Premium
paid in advance unless We do not receive the cancellation request at least 31 days before the Effective Date of the
cancellation.
 When We cease operations.
 If you are a partner to a civil union or other relationship recognized as a spousal relationship in the state where the
Subscriber resides, on the date such union or relationship is revoked or terminated.
 If there is coverage for designated beneficiaries, on the date a Recorded Designated Beneficiary Agreement is
revoked or terminated. Such a Dependent does not have the right to seek COBRA continuation coverage, but will be
eligible for state continuation benefits, subject to the terms of this Booklet.
Dependent Coverage Termination

To remove a Dependent from coverage, you must send Us an enrollment application and change form 31 days before the
Effective Date of the change. If We receive this after the requested Effective Date, the change will be effective on the date
We are notified of the change. We reserve the right to recoup any benefit payments made after the termination date.
We will credit Premium paid in advance unless We do not get the enrollment application and change Form within 31 days
before the Effective Date of the change or if We have paid any claims on behalf of the cancelled Dependent in the period
for which the credit would be owed to the employer.
Coverage for a Dependent ends on the last day of the month immediately preceding the next monthly Premium due date
following receipt of the request. It may also end when one of the following happens:
 At the end of the month when you notify Us in writing to cancel coverage for a Dependent;
 When the Dependent no longer qualifies as a Dependent. Such a Dependent has the right to seek COBRA or state
continuation coverage;
 On the date of a final divorce decree or legal separation for a spouse. Such a Dependent has the right to seek
COBRA or state continuation coverage;
 If you are a partner to a civil union or other relationship recognized as a spousal relationship in the state where the
subscriber resides, on the date such union or relationship is revoked or terminated.
 If there is coverage for designated beneficiaries, on the date a Recorded Designated Beneficiary Agreement is
revoked or terminated. Such a Dependent does not have the right to seek COBRA continuation coverage, but will be
eligible for state continuation benefits, subject to the terms of this Booklet; or
 At the end of the month when legal custody of a child placed for adoption ends.
What We Will Pay for After Termination
Except as stated below, We will not pay for any services given to you after your coverage ends even if We preauthorized
the service, unless the Provider confirmed your eligibility within two business days before each service received. Benefits
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cease on the date your coverage ends as described above. You may be responsible for benefit payments made by Us on
your behalf for services provided after your coverage has ended.
When your coverage ends for any reason other than for nonpayment of Premium, fraud or abuse, We will continue
coverage if you are being treated at an inpatient facility, until you are discharged or transferred to another level of care.
This is subject to the terms of this Booklet. The discharge date is seen as the first date on which you are discharged from
the facility or transferred to another level of care. We will not cover the services you get after your discharge date.
Unless a law requires, We do not cover services after your date of termination even if:
 We approved the services; or
 The services were made necessary by an accident, illness or other event that occurred while coverage was in effect.
Continuation of Coverage
Family and Medical Leave Act
When you take time off from work pursuant to the Family and Medical Leave Act, health insurance stays in force but you
may be required to keep paying your share of the Premium. You may contact your employer for details.
State Continuation Eligibility and Notification
State Continuation Coverage Eligibility - Employers with less than 20 employees who provide health care coverage for
their employees are subject to state law for continuation of coverage. The state continuation coverage period will not
exceed 18 months for you and/or any Dependents. State continuation coverage for you and your Dependents will start on
the date of the earliest of the following qualifying events:
 Your termination of employment. To qualify, you must have been covered by the employer’s group health coverage
for at least (6) six straight months;
 Your reduction in working hours which results in loss of coverage. Reduction in working hours would include
circumstances resulting from economic conditions, injury, disability, or chronic health conditions;
 Your death; or
 Divorce, legal separation, or civil union status of you and the spouse.
State Continuation Coverage Notification - Unless termination or reduction in working hours is the qualifying event, a
Subscriber, spouse or Dependent child must tell the employer of their choice to keep coverage within 30 days after being
eligible. The employer is responsible for telling the Subscriber, spouse and/or Dependent child of how to choose state
continuation. Once the employer has given notice to the Subscriber, spouse and/or Dependent child, We must get timely
notice from the employer that you want state continuation. We must also get timely payment of Premiums from the
employer when paid by the Subscriber.
We should get the notice from the employer and your first no later than 30 days after the qualifying event. If the employer
fails to give timely notice to you of your rights, this deadline may extend to 60 days after the qualifying event. For more,
contact your employer.
COBRA Eligibility and Notification
COBRA Eligibility - For employers with 20 or more employees, Subscribers and their Dependent who lose eligibility with
a group may keep coverage under the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA). You should
call the employer for more details. COBRA coverage can last for 18, 29 or 36 months. The length of time you can have
depends on the qualifying event(s) and only if the federal rules are met.
COBRA coverage is available to employees and their Dependents for 18 months from the date of the following qualifying
events:
 When an employee loses coverage due to a reduction in working hours, including layoffs and strikes; or
 When an employee loses coverage due to the voluntary or involuntary termination of employment, including
retirement and excluding gross misconduct.
COBRA coverage is available for employees and their Dependents for 29 months from the original qualifying event as
described above in the following situation:
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 When the Social Security Administration has determined that an employee or Dependent was disabled when
coverage ended or within 60 days after the coverage ended, due to one of the qualifying events above, and the
employee or Dependent is still disabled when the 18-month continuation period ends.
COBRA coverage is available to Dependents for 36 months from the date of the following qualifying events for:
 The surviving spouse and surviving children of a covered employee, when the covered employee dies;
 Spouse and Dependents of a covered employee, when the employee becomes eligible for Medicare in the 18 months
before the qualifying event;
 Spouse and Dependent children of a covered employee, when the employee and the Spouse separate or divorce; or
 Dependent children of the covered employee, when they lose status as Dependents.
COBRA coverage is available to children born or placed for adoption during the period of COBRA coverage for the
remainder of either the 18-month or 36-month COBRA continuation period. The qualifying event that triggered the
COBRA coverage will set the length of the continuation period for the newborn or adoptee.
COBRA Notification - Unless termination or reduction in hours is the qualifying event, a Subscriber, spouse, or
Dependent child must tell the employer they want eligibility for COBRA coverage within 60 days of being eligible. Once
the employer has given notice to the Subscriber, spouse and/or Dependent child of the right to get COBRA, We must get
notice from them that you want COBRA coverage. We must also get payment of fees or Premiums for you to get on
COBRA.
You have 60 days from the receipt of the employer notice or from the date the prior coverage would otherwise end,
whichever is later, to tell the employer you want COBRA. To apply for COBRA, you must complete a COBRA or State
Continuation of Coverage Application. The employer must complete their section, sign it, and send it to Us. After
choosing COBRA, you must pay the first fees or Premiums due within 45 days. For more details, please call the employer.
Termination of State Continuation Coverage or COBRA
Your continuation coverage ends when the continuation period ends.
Continuation coverage may end before the continuation period ends if:
 The Employer Master Contract between Us and the employer ends. If the employer gets other group coverage,
continuation coverage will continue under the new plan;
 You fail to pay Premium timely;
 Under state continuation coverage, you are eligible for another group health plan unless the other plan does not cover
something that is covered by the continuation coverage. In that case, the state continuation coverage lasts until the
continuation period ends or the other plan covers the excluded condition;
 Under state continuation coverage, the date the Recorded Designated Beneficiary Agreement is revoked or
terminated, if it applies;
 Under COBRA coverage, you are covered by another group health plan unless the other coverage does not cover
something that is covered by the COBRA coverage. In that case, the COBRA coverage lasts until the COBRA period
ends or the other plan covers the excluded condition;
 The date the spouse remarries and becomes eligible for coverage under the new spouse’s group health plan;
 Under COBRA coverage, you get Medicare;
 Your COBRA coverage was extended to 29 months and you are determined under the Social Security Act to no
longer be disabled; or
 You tell Us in writing to cancel.
APPEALS AND COMPLAINTS
We may have turned down your claim for benefits. We may have also denied your request to preauthorize or receive
a service or a supply. If you disagree with Our decision you can:
1) File a complaint
2) File an appeal; or
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3) File a grievance.

Complaints
If you want to file a complaint about Our member service or how We processed your claim, please call member services.
A trained staff member will try to clear up any confusion about the matter. They will also try to resolve your complaint. If
you prefer, you can send a written complaint to this address:
Anthem
Member Services Department
P.O. Box 17549
Denver, CO 80217-0549
If your complaint isn’t solved either by writing or calling, or if you don’t want to file a complaint, you can file an appeal .
We’ll tell you how to do that next, in the Appeals section below.
Note: More details on the complaints and appeals process and time periods can be found in the Appeals Guide. You
may get a copy of the Appeals Guide by visiting www.anthem.com or you can call member service.

Appeals
If We have denied a claim that you feel should have been covered, or handled in a different way, you can file an appeal.
You can appeal a denial that was made by Us before the service is received. You can also appeal a denial on a service
after it is received. While We encourage you to file an appeal within 60 days of the unfavorable benefit determination, the
written or oral appeal must be received by Us within 180 days of the unfavorable benefit determination. We will assign an
employee to help you in the appeal process. An appeal can be filed verbally by calling member service.
An appeal can be filed by writing to this address for services that are not a Mental Health Condition, Alcohol Dependency
or Substance Dependency condition:
Anthem Blue Cross and Blue Shield
Appeals Department
700 Broadway
Mail Stop CO0105-0540
Denver, CO 80273
If a Mental Health Condition, Alcohol Dependency or Substance Dependency condition an appeal can be filed by
writing to this address:
Anthem Blue Cross and Blue Shield
Appeals Department
700 Broadway
Mail Stop CO0106-0642
Denver, CO 80273
You don’t have to file a complaint before you file an appeal. In your appeal, please state as plainly as possible why you
think We shouldn’t have denied your claim for benefits. Include any documents you didn’t submit with the original claim or
service/supply request. Also send any other documents that support your appeal. You don’t have to file the appeal
yourself. Someone else, like your Doctor or another representative, can file an appeal for you. Just let Us know in writing
who will be filing the appeal for you.
The appeals process allows you to request an internal appeal, and in certain cases, an independent external appeal.
Internal Appeals
We have an internal process that We follow when reviewing your appeal. Members of Our staff, who were not involved
when your claim was first denied, will review the appeal. They may also talk with co-workers to assist in the review.
If your first internal appeal is denied, you can ask for a second level appeal. But you don’t have to file a second level
appeal with Us before requesting an independent external review appeal or pursuing legal action.
Expedited internal appeal - If you have an urgent case, you may request that your internal appeal be reviewed in a
shorter time period. This is called an expedited internal appeal. You or your representative can ask for an expedited
appeal if you had Emergency services but haven’t been discharged from the Facility. Also, you can ask for an expedited
appeal if the regular appeal schedule would:
 Seriously jeopardize your life or health;
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 Jeopardize your ability to regain maximum function;
 Create an immediate and substantial limitation on your ability to live independently, if you’re disabled; or
 In the opinion of a Doctor with knowledge of your condition, would subject you to severe pain that can’t be adequately
managed without the service in question.
Independent External Appeals
For claims based on Utilization Review, you can request an independent external appeal. Utilization revi ew includes
claims We denied as Experimental or Investigational or not Medically Necessary. It also includes claims where We
reviewed your medical circumstances to decide if an exclusion applied. For these appeals, your case is reviewed by an
external review entity, selected by the Colorado Division of Insurance.
Your request for independent external review must be made within 4 months of receiving Our first level appeal decision,
or within 60 days of receiving Our second level appeal decision. Generally, you have to have completed at least the first
level internal appeal. But if We fail to handle the appeal according to applicable Colorado insurance law and regulations,
you will be eligible to request independent external review.
Expedited external appeal - You can request an expedited independent external review, but only in certain cases. You
will need a Doctor to certify to Us that you have a medical condition where following the normal external review appeal
process would seriously jeopardize your life or health, would jeopardize your ability to regain maximum function or, if
you’re disabled, would create an imminent and substantial limitation of your ability to live independently. If it meets these
conditions, your request for expedited external appeal can be filed at the same time as your request for an expedited
internal appeal. But an expedited external appeal is not available where the service was already provided.
For more information on where and how to request an internal or external appeal, please consult the Appeals Guide
available at www.anthem.com, or call member service.
Grievances
If you have an issue or concern about the quality or services you receive from a participating Provider or Facility, you can
file a grievance. The quality management department strives to resolve grievances fairly and quickly.
You may call member service or send a written grievance for services that are not a Mental Health Condition, Alcohol
Dependency or Substance Dependency condition to:
Anthem Blue Cross and Blue Shield
700 Broadway
Mail Stop CO0104-0430
Denver, CO 80273-0001
You may call member service or send a written grievance for services that are a Mental Health Condition, Alcohol
Dependency or Substance Dependency condition to:
Anthem Blue Cross and Blue Shield
700 Broadway
Mail Stop CO0106-0642
Denver, CO 80273
Division of Insurance Inquiries
For inquiries about health care coverage in Colorado, you may call the Division of Insurance between 8:00 a.m. and 5:00
p.m., Monday through Friday, at (303) 894-7490, or write to the Division of Insurance to the attention of the ICARE
Section, 1560 Broadway, Suite 850, Denver, Colorado 80202.
Binding Arbitration
The binding arbitration provision under this Booklet is applicable to claims arising under all individual plans, governmental
plans, church plans, plans or claims to which ERISA preemption does not apply, and plans maintained outside the United
States. Any such arbitration will be governed by the procedures and rules established by the American Arbitration
Association. You may obtain a copy of the Rules of Arbitration by calling Our member services. The law of the state in
which the policy was issued and delivered to you shall govern the dispute. The arbitration decision is binding on both you
and Us. Judgment on the award made in arbitration may be enforced in any court with proper jurisdiction. If any person
subject to this arbitration clause initiates legal action of any kind, the other party may apply for a court of competent
jurisdiction to enjoin, stay or dismiss any such action and direct the parties to arbitrate in accordance with this provision.
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Legal Action
Before you take legal action on a claim decision, you must first follow the process found in this section. You must meet all
the requirements of this Booklet.
No action in law or in equity shall be brought to recover on this Booklet before the expiration of 60 calendar days after a
claim has been filed according to the requirements of this Booklet. If you have exhausted all mandatory levels of review in
your appeal, you may be entitled to have the claim decision reviewed de novo (as if for the first time) in any court with
jurisdiction and to a trial by jury.
No such action shall be brought at all unless brought within three years after claim has been filed as required by the
Booklet.
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INFORMATION ON POLICY AND RATE CHANGES
Insurance Premiums
How Premiums are Established and Changed – Premiums are the monthly charges you and/or the employer must pay
Us to get coverage. We figure out and set the required Premiums.
The employer is responsible for paying the employee’s Premium to Us according to the terms of the Employer Master
Contract. Employers may have you contribute to the Premium cost through payroll deduction. Some employer groups
may choose to have your Premium determined by the age of the Subscriber, with Premium set by age brackets. We may
change membership Premiums on the Anniversary Date, which We may assess when a Subscriber changes to a new
five-year increment age bracket, e.g., age 25 through age 29. If the age of the Subscriber is misstated at enrollment, all
amounts payable for the correct age will be adjusted and billed to the group.
Grace Period - If an employer fails to submit Premium payments to Us in a timely manner, the employer is entitled to a
grace period of 45 days for the payment of such Premium. During the grace period, Our contract with the employer shall
continue in force unless the employer gives Us written notice of termination of the contract. If the employer has obtained
replacement coverage during the grace period, the contract with Us will be terminated as of the last day for which We
have received Premium, and any and all claims paid during the grace period will be retroactively adjusted to deny,
unless the Provider verified eligibility within two business days before each service received. These claims that We
retroactively deny should be submitted to the replacement carrier. If the employer has not obtained replacement coverage
during the grace period, or fails to inform Us that the employer has not obtained replacement coverage, We will process
any and all claims with dates of service during the grace period in accordance with the terms of this Booklet.



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DEFINITIONS
This section defines words and terms used throughout the Booklet to help you learn the content. The first letter of each of
these words will be capitalized when used in this Booklet. You should refer to this section to find out exactly how a word or
term is used for the purposes of this Booklet.
Accidental Injury - internal or external injuries caused by a source outside the body. In injury requires treatment for
trauma rather than for illness-related conditions. Some examples are strains, animal bits, burns, contusions and
abrasions.
Acute Rehab Therapy - Inpatient Rehab Therapy for a short period of time. Acute rehab therapy services are not the
same as acute hospital medical or surgical care.
Alcohol Dependency - a condition in which you use alcohol in a way that damages your health or lose your ability to
control your actions.
Alcoholism Treatment Center - a Hospital or Facility, licensed by the Colorado Department of Human Services,
providing services especially for the treatment of Alcohol and Substance Dependency.
Alternative Care Facility - a health care facility which is not a hospital, or an attached facility assigned as free standing
by a Hospital which mainly provides outpatient services such as:
 Diagnostic services such as Computerized Axial Tomography (CAT scan) or Magnetic Resonance Imaging (MRI);
 Surgery; and
 Therapy services or rehab.
Ambulance - a licensed vehicle used only for transporting you if you are sick or injured. It must have safety and lifesaving
equipment such as first-aid supplies and oxygen equipment. The vehicle must be operated by trained staff.
Anesthesia - the loss of normal sensation or feeling. There are two types of Anesthesia:
 General Anesthesia, also known as total body Anesthesia, puts you to sleep for a period of time; or
 Local Anesthesia causes loss of feeling or numbness in a specific area and is usually injected with a local anesthetic
drug such as Lidocaine
Anniversary Date - the annual date on which your employer renews its coverage.
Anthem Blue Cross and Blue Shield - Rocky Mountain Hospital Medical Service, Inc., a Colorado company doing
business as Anthem Blue Cross and Blue Shield. Also referred to in this Booklet as “Anthem”, “Us”, “We” or “Our”.
Applied Behavior Analysis - the use of behavior analytic methods and research findings to change socially important
behaviors in meaningful ways.
Autism Services Provider - a person who provides services to a Member with Autism Spectrum Disorders. The Provider
must be licensed, certified, or registered by the applicable state licensing board or by a nationally recognized organization,
and who meets the requirements as defined by state law:
Autism Spectrum Disorders or ASD - includes the following neurobiological disorders: autistic disorder, Asperger's
disorder, and atypical autism as a diagnosis within pervasive developmental disorder not otherwise specified, as defined
in the most recent edition of the diagnostic and statistical manual of mental disorders, at the time of the diagnosis.
Autism Treatment Plan - a plan for a Member by an Autism Services Provider and prescribed by a Doctor or
psychologist in line with a evaluating or again reviewing a Member's diagnosis; proposed treatment by type, frequency,
and expected treatment; the expected outcomes stated as goals; and the rate by which the treatment plan will be
updated. The treatment plan is in line with the patient-centered medical home as defined in state law.
Benefit Period - Your Benefit Period is based on a calendar year and begins on the Subscriber’s Effective Date, and end
on the following December 31; a new Member’s Benefit Period starts on each January 1 that follows. If your coverage
ends earlier, the Benefit Period ends at the same time.
Billed Charges - a Provider’s regular charges for services and supplies as offered to the public and without any adjustment
for participating Provider or other discounts.
Birth Abnormality - a condition that is recognizable at birth, such as a fractured arm.
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Booklet - this book, sometimes called a certificate, and any amendments or riders, which explains what is covered, what
is not covered, and other terms of your health plan.
Cardiac Rehab - medically supervised program to resume your activities of daily living after a heart attack.
Care Management - a plan of Medically Necessary health care that best meets your needs.
Chronic Pain - pain that lasts more than six months that is not life threatening, and it may continue for a lifetime, and has
not responded to current treatments.
Chronic Rehab Therapy - a non-acute inpatient rehab therapy that last for more than six months and may continue for a
lifetime.
Clinically Equivalent - means drugs as determined by Us that, for the majority of Members, will likely give the same
therapeutic outcomes for a health problem.
COBRA - stands for the Consolidated Omnibus Budget Reconciliation Act of 1985. This federal law allows people to
continue their insurance for a period of time after ending a job or due to a qualifying event.
Coinsurance - percentage of costs you share with Us after you meet the Deductible.
Congenital Defect - a defect or anomaly existing before birth, such as cleft lip or club foot. Disorders of growth and
development over time are not considered congenital.
Coordination of Benefits - it is where an insurance policy prevents duplicate payments for services covered by more
than one insurance policy. For example, you may be covered by your own policy, as well as a spouse's policy. Medical
costs are covered first by the person's own policy. Any balance is submitted to the spouse's insurance policy for
additional review or payment.
Cosmetic - services to keep, change or improve your appearance or are done for mental reasons.
Cost Sharing - the term used for out-of-pocket costs you pay, for example Coinsurance and Deductibles paid by you.
Covered Services - services, supplies or treatments which are:
 Medically Necessary or included as a benefit under this Booklet;
 Within the scope of the Provider’s license;
 Given while covered under this Booklet is in force;
 Not Experimental or Investigational or not covered by this Booklet; and
 Allowed ahead of time by Us where Preauthorization is required by this Booklet.
Custodial Care - care primarily for your personal needs. This includes help in walking, bathing or dressing. It also includes
preparing food or special diets, feeding, giving medicine which you usually do yourself or any other care for which the
services of a Provider are not needed.
Deductible - is the dollar amount of Covered Services, listed in the Schedule of Benefits, which you must pay before
benefits begin under this Booklet.
Dependent - a Subscriber’s legal spouse, common-law spouse, designated beneficiary, partner to a civil union, or child
as defined in the “Eligibility” section of this Booklet.
Durable Medical Equipment - any equipment that can withstand heavy use to serve a medical need, is useless to a
person who is not sick or hurt, and is appropriate for use at home.
Early Intervention Services - Services, as defined by Colorado law in accordance with part C, that are authorized
through an Eligible Child's IFSP but that exclude: nonemergency medical transportation; respite care; service
coordination, as defined in federal law; and assistive technology (unless covered under this Booklet as durable medical
equipment).
 Eligible Child - means an infant or toddler, from birth through two years of age, who is an eligible Dependent and
who, as defined by Colorado law, has significant delays in development or has a diagnosed physical or mental
condition that has a high probability of resulting in significant delays in development or who is eligible for services
pursuant to Colorado law.
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 Individualized family service plan or IFSP - means a written plan developed pursuant to federal law that
authorizes early intervention services to an Eligible Child and the child's family. An IFSP shall serve as the
individualized plan for an Eligible Child from birth through two years of age.
Effective Date - the date coverage under this Booklet begins.
Emergency - the sudden, and at the time, unexpected onset of a health condition that requires immediate medical attention
where failure to provide medical attention would result in serious impairment to bodily functions or serious dysfunction of a
bodily organ or part, or would place your health in serious jeopardy.
Employer Master Contract - the agreement between Us and your employer stating all of the terms that applies to group
coverage. The final interpretation of any terms found in this Booklet is governed by the Employer Master Contract.
Exclusive Specialty Drug List - a list of Specialty Pharmacy Drugs as determined by Us which must be obtained from the
In-Network Specialty Pharmacy PBM and which are billed under the pharmacy benefit
Experimental or Investigational -
(a) Any drug, biologic, device, diagnostic, product, equipment, procedure, treatment, service or supply used in or directly
related to the diagnosis, evaluation or treatment of a disease, injury, illness or other health condition which We determine
in Our sole discretion to be Experimental or Investigational.
We will deem any drug, biologic, device, diagnostic, product, equipment, procedure, treatment, service or supply to be
Experimental or Investigational if We determine that one or more of the following criteria apply when the service is
rendered with respect to the use for which benefits are sought.
The drug, biologic, device, diagnostic, product, equipment, procedure, treatment, service or supply:
 Cannot be legally marketed in the United States without the final approval of the Food and Drug Administration (FDA)
or any other state or federal regulatory agency, and such final approval has not been granted;
 Has been determined by the FDA to be contraindicated for the specific use;
 Is provided as part of a clinical research protocol or clinical trial (except as noted in the Clinical Trials section under
Covered Services in this Booklet as required by state law), or is provided in any other manner that is intended to
evaluate the safety, toxicity or efficacy of the drug, biologic, device, diagnostic, product, equipment, procedure,
treatment, service or supply; or is subject to review and approval of an Institutional Review Board (IRB) or other body
serving a similar function; or
 Is provided pursuant to informed consent documents that describe the drug, biologic, device, diagnostic, product,
equipment, procedure, treatment, service or supply as Experimental or Investigational, or otherwise indicate that the
safety, toxicity or efficacy of the drug, biologic, device, diagnostic, product, equipment, procedure, treatment, service
or supply is under evaluation.
(b) Any service not deemed Experimental or Investigational based on the criteria in subsection (a) may still be deemed to
be Experimental or Investigational by Us. In determining whether a service is Experimental or Investigational, We will
consider the information described in subsection (c) and assess all of the following:
 Whether the scientific evidence is conclusory concerning the effect of the service on health outcomes;
 Whether the evidence demonstrates that the service improves the net health outcomes of the total population for
whom the service might be proposed as any established alternatives; or
 Whether the evidence demonstrates the service has been shown to improve the net health outcomes of the total
population for whom the service might be proposed under the usual conditions of medical practice outside clinical
investigatory settings.
(c) The information We consider or evaluate to determine whether a drug, biologic, device, diagnostic, product,
equipment, procedure, treatment, service or supply is Experimental or Investigational under subsections (a) and (b) may
include one or more items from the following list, which is not all-inclusive:
 Randomized, controlled, clinical trials published in authoritative, peer-reviewed United States medical or scientific
journal;
 Evaluations of national medical associations, consensus panels and other technology evaluation bodies;
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 Documents issued by and/or filed with the FDA or other federal, state or local agency with the authority to approve,
regulate or investigate the use of the drug, biologic, device, diagnostic, product, equipment, procedure, treatment,
service or supply;
 Documents of an IRB or other similar body performing substantially the same function;
 Consent documentation(s) used by the treating Physicians, other medical professionals or facilities, or by other
treating Physicians, other medical professionals or facilities studying substantially the same drug, biologic, device,
diagnostic, product, equipment, procedure, treatment, service or supply;
 The written protocol(s) used by the treating Physicians, other medical professionals or facilities or by other treating
Physicians, other medical professionals or facilities studying substantially the same drug, biologic, device, diagnostic,
product, equipment, procedure, treatment, service or supply;
 Medical records; or
 The opinions of consulting Providers and other experts in the field.
(d) We have the sole authority and discretion to identify and weigh all information and determine all questions pertaining
to whether a drug, biologic, device, diagnostic, product, equipment, procedure, treatment, service or supply is
Experimental or Investigational.
Explanation of Benefits - a form sent by Us to you after you have filed a claim. It includes items such as the date of
service, name of Provider, amount covered and patient balance.
Family Membership - a membership that covers two or more persons (the Subscriber and one or more Dependents).
Foot Orthotic - a support or brace for weak or ineffective joints or muscles.
Health Benefit ID Card - the card We give you with information such your name and ID number for this plan.
Home Health Agency - an agency certified by the Colorado Department of Public Health and Environment as meeting
the provisions of Title XVIII of the Federal “Social Security Act” as amended, for licensed or certified Home Health
Agencies. A Home Health Agency is primarily engaged in arranging and providing nursing services, home health aide
services, and other therapeutic and related services.
Home Health Services - services provided by a Home Health Agency at your home. It includes skilled nursing services,
certified and licensed nurse aide services, medical supplies, equipment, and appliances suitable for use in your home, and
physical, occupational or speech therapy services, and social work practice services provided by a licensed social worker.
Hospice Facility - a Facility Provider licensed by the Colorado Department of Public Health and Environment to provide
Hospice Care in this state. A Hospice is a centrally administered program of palliative, supportive and interdisciplinary team
services providing physical, psychosocial, spiritual and bereavement care for the terminally ill and their families to be
available 24 hours a day, 7 days a week.
Hospice Care - an alternative way of caring for terminally ill individuals that stresses palliative care rather than curative or
restorative care. Hospice Care focuses on the patient and family as the unit of care. Supportive services are offered to the family
before and after the death of the Member. Hospice Care addresses physical, psychosocial and spiritual needs of the Member and
the Member’s family.
Hospital - a Facility Provider which offers beds and Covered Services 24 hours a day. It must be licensed by local and
state regulatory agencies.
Inpatient Rehab Therapy - care received while a Member is admitted as inpatient at a rehabilitation facility for the
primary purpose of receiving rehabilitation services. Care includes a minimum of three hours of therapy, e.g., speech
therapy, respiratory therapy, occupational therapy and/or physical therapy. Inpatient rehabilitation therapy may be
received from an acute rehabilitation facility, long term acute care facility or sub-acute facility. Inpatient rehabilitation
therapy includes acute rehabilitation therapy, chronic rehabilitation therapy or sub-acute rehabilitation therapy.
Intractable Pain - a pain state in which the cause of the pain cannot be removed and which in the course of medical
practice no relief or cure of the cause of the pain is possible, or none has been found after reasonable efforts. It include s
evaluation by the attending Doctor and one or more Doctors specializing in the treatment of the part of the body thought of
as the source of the pain.
Long-Term Acute Care Facility - a place that gives long-term critical care services if you have serious illnesses or
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Maternity Services - services you require for the diagnosis and care of a pregnancy, complications of pregnancy and for
delivery services.
Maximum Allowed Amount - The maximum amount that We will allow for Covered Services that you receive. More
details can be found in the “How to Access Your Services and Obtain Approval of Benefits” section of this Booklet.
Maximum Medical Improvement - a determination at Our sole discretion that no further medical care can reasonably be
expected to measurably improve your condition. Maximum Medical Improvement shall be determined without regard to
whether continued care is necessary to prevent deterioration of the condition or is otherwise life-sustaining.
Medical Policy and Technology Assessment - a process We use to review and evaluate new technology according to
its technology evaluation criteria developed by its medical directors. Technology assessment criteria are used to
determine the experimental / investigational status or Medical Necessity of new technology. Guidance and external
validation of Anthem’s medical policy is provided by the Medical Policy and Technology Assessment Committee (MPTAC)
which consists of approximately 20 doctors from various medical specialties including Our medical directors, doctors in
academic medicine and doctors in private practice.
Conclusions made are incorporated into medical policy used to establish decision protocols for particular diseases or
treatments and applied to medical necessity criteria used to determine whether a procedure, service, supply or equipment
is covered.
Medically Necessary - the diagnosis, evaluation and treatment of a condition, illness, disease or injury that We solely
decide to be:
 Medically appropriate for and consistent with your symptoms and proper diagnosis or treatment of your condition,
illness, disease or injury;
 Obtained from a Doctor or Provider;
 Provided in line with medical or professional standards;
 Known to be effective, as proven by scientific evidence, in improving health;
 The most appropriate supply, setting or level of service that can safely be provided to you and which cannot be
omitted. It will need to be consistent with recognized professional standards of care. In the case of a Hospital stay,
also means that safe and adequate care could not be obtained as an outpatient;
 Cost-effective compared to alternative interventions, including no intervention. Cost effective does not always mean
lowest cost. It does mean that as to the diagnosis or treatment of your illness, injury or disease, the service is: (1) not
more costly than an alternative service or sequence of services that is medically appropriate, or (2) the service is
performed in the least costly setting that is medically appropriate;
 Not Experimental or Investigational;
 Not primarily for you, your families, or your Provider’s convenience; and
 Not otherwise an exclusion under this Booklet.
The fact that a Doctor or Provider may prescribe, order, recommend or approve care, treatment, services or supplies does
not, of itself, make such care, treatment, services or supplies Medically Necessary.
Medicare - a federally funded health insurance program that provides benefits for people age 65 and older. Some
individuals under age 65 who are disabled or who have end stage kidney disease also are eligible for Medicare benefits.
Member - the Subscriber or any Dependent who is enrolled for coverage under this Booklet. Also referred to in this Booklet
as “you” or “your”.
Mental Health Condition - mental conditions, including biologically based mental illness, that have a psychiatric diagnosis
or that needs specific psychotherapeutic treatment, no matter what the underlying condition (for example, depression
secondary to diabetes or primary depression). This term does not include autism.
Orthopedic Appliance - a rigid or semi-rigid support used to eliminate, restrict or support motion in a part of the body that
is diseased, injured, weak or malformed.
Pharmacy and Therapeutics (P&T) Process - a process in which health care professionals including nurses,
pharmacists, and physicians determine the clinical appropriateness of drugs and promote access to quality medications.
The process also reviews drugs to determine the most cost effective use of benefits and advise on programs to help
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improve care. Our programs may include, but are not limited to, drug utilization programs, preauthorization criteria,
therapeutic conversion programs, cross-branded initiatives, and drug profiling initiatives.
Out-of-Pocket Annual Maximum - the Cost Sharing total that you may be responsible for under this Booklet for most
medical costs. Benefit Period maximums or lifetime maximums under this Booklet will still apply, even if you have
satisfied your Out-of-Pocket Annual Maximum.
Preauthorization - a process during which requests for services or Prescription Drugs are reviewed, before services are
rendered for approval of benefits, length of stay and appropriate location.
Premium - monthly charges that you and/or your group must pay to establish and maintain coverage.
Prescription Drug -
Brand Name Drug - the first version of a drug developed by a drug manufacturer. It can also be a version marketed
under the manufacturer's own registered trade name or trademark. The original manufacturer is granted a patent to
manufacture and market a new drug for a certain number of years. After the patent expires and FDA rules are met,
any manufacturer may produce and sell the drug under its own brand or under the drug's chemical or generic name.
Drug List - a list of drugs developed in consultation with Doctors and pharmacists and approved for their quality and
cost-effectiveness.
Generic Drug - a drug that is approved by the FDA as having the same active ingredient(s) as the Brand Name Drug.
Normally, it is available only after the patent expires on a Brand Name Drug. On average, Generic Drugs cost less
than Brand Name Drugs.
Legend Drug - a medicinal substance, dispensed for outpatient use, which under the Federal Food, Drug & Cosmetic
Act is required to show in the label, “Caution: Federal law prohibits dispensing without a prescription.” Compounded
drug that contain at least one such medicinal substance are considered to be Legend Drugs. Insulin is considered a
Legend Drug under this Booklet.
Prescription Drug Maximum Allowed Amount - is the maximum amount We allow for any Prescription Drug. The
amount is determined by Us using Prescription Drug costs information given to Us by the Pharmacy Benefits Manager.
Private Duty Nursing – services that need the training, judgment and technical skill of an actively practicing registered
nurse (RN) or licensed practical nurse (LPN). Services must be prescribed by your Doctor for the constant medical
treatment of your health problem.

Provider - a person or facility that is recognized by Us as a health care Provider and fits one or more of these
descriptions:
Doctor - A doctor of medicine or osteopathy who is licensed to practice medicine under the laws of the state or
jurisdiction where care is given.
Professional Provider - a Doctor or other professional Provider who is licensed by the state or jurisdiction where
Covered Services are provided for benefits to be payable. Such services are subject to review by a medical authority
appointed by Us.
Facility Provider - examples of inpatient and outpatient facility Provider, recognized by Us and licensed by the state
or jurisdiction where services are provided as follows:
Inpatient Facility Provider
 Hospital;
 Alcoholism Treatment Center;
 Hospice Facility; and
 Alternative Care Facility.
Outpatient Facility Provider
 Dialysis center;
 Veteran’s Administration or Department of Defense Hospital;
 Home Health Agency;
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 Alternative Care Facility; and
 Ambulatory surgery.
Specialist - a professional, usually a Doctor, who is an expert on a specific disease, condition or body part.
Examples include:
 Psychiatrist;
 Orthopedist;
 Obstetrician;
 Gynecologist; and
 Cardiologist
Retail Health Clinic Provider - a facility that gives you limited basic medical care on a “walk-in” basis. These clinics
normally operate in major pharmacies or retail stores. Medical services are typically given by Doctor assistants and
nurse practitioners.
Qualified Early Intervention Service Provider - means a person or agency, as defined by Colorado law in accordance
with part C, who provides Early Intervention Services and is listed on the registry of early intervention service Providers.
Reconstructive Surgery - includes procedures that are meant to address a major change from normal in relation to
accidental injury, disease, trauma, treatment of a disease or Congenital Defect.
Recorded Designated Beneficiary Agreement - an agreement entered into by two people for the purpose of making
each a beneficiary of the other and which has been recorded with the county clerk and recorder in the county in which one
of the person lives. The agreement is based on the Colorado Designated Beneficiary Act.
Recovery - Recovery is money the Member, the Member’s legal representative, or beneficiary receives whether by
settlement, verdict, judgment, order or by some other monetary award or determination, from another, their insurer, or
from any uninsured motorist, underinsured motorist, medical payments, personal injury protection, or any other insurance
coverage, to compensate the Member as a result of bodily injury or illness to the Member. Regardless of how the
Member, the Member’s legal representative, or beneficiary or any agreement may characterize the money received, it
shall be subject to the Third Party Liability: Subrogation and Right of Reimbursement under the “General Policy
Provisions” section of this Booklet.
Retail Pharmacy - a place licensed to dispense Prescription Drugs through a licensed pharmacist due to a Doctor’s order.
Routine Patient Care (associated with clinical trials) - means Covered Services under this Booklet that would be covered
if you were not involved in either an experimental or clinical trial. However, such care does not include:
 Items and services normally given by research sponsors for free for anyone participating in the trial;
 Routine costs in clinical trials;
 Investigative items or services, including watching or stopping the complications; or
 Reasonable and necessary care from an Investigative item or service, including diagnosis or treatment of complications.
Stabilize - medical treatment you get in an Emergency as may be needed to make sure that material deterioration of your
condition is not likely to result from or during:
 Your discharge from an emergency unit or other care setting where Emergency care is given to you;
 Your transfer from an emergency unit or other care setting to another facility; or
 Your transfer from a Hospital emergency unit or other Hospital care setting to the Hospital's inpatient setting.
Step Therapy - process that first requires the use of designated drug over others for treatment as supported by clinical
practice guidelines.
Sub-Acute Rehab Therapy - care that includes a minimum of one hour of therapy when you can no longer tolerate, but it
does not require three hours of therapy a day. This type of rehab is normally done in a skilled nursing facility.
Subcontractor – We may subcontract particular services to organizations that are experts in certain areas. This may
include services for Prescription Drugs, Mental Health Condition, Alcohol Dependency and Substance Dependency. Such
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organizations may make decide on benefits or perform administrative, claims paying, or member services duties on Our
behalf.
Subscriber - the Member in whose name the membership with Us is established.
Substance Dependency - a condition which you use drugs and other substances in a manner that damages your health
or loses your ability to control your actions.
Surgery - any variety of technical procedures for treatment or diagnosis of anatomical disease or injury, such as cutting,
micro Surgery (use of scopes), laser procedures, grafting, suturing, castings, treatment of fractures and dislocations,
electrical, chemical or medical destruction of tissue, endoscopic examinations, anesthetic epidural procedures, and other
invasive procedures. Covered surgical services also include Anesthesia and pre- and post-operative care, including
recasting.
Telemedicine - is used to support health care when you and the Doctor are physically separated. Typically, you
communicate through an interactive mean that is enough to start a link to the Provider who is working at a different
location from you.

Therapeutic Care - for purposes of the Autism Spectrum Disorders, this type of care is provided by a speech,
occupational or physical therapist, or an Autism Services Provider. Therapeutic Care includes speech, occupational, and
applied behavior analytic and physical therapies.
Transplant Benefit Period - the Transplant Benefit Period starts one day prior to a covered transplant procedure and
continues for the applicable case rate / global time period. The number of days will vary depending on the type of
transplant received and the In-Network transplant Provider agreement.
Urgent Care - is not an Emergency, but an unexpected illness or injury requiring treatment that cannot reasonably be
postponed for regularly scheduled care.
Urgent Care Center - an office or facility where care is provided for you in an Urgent Care situation.
Utilization Review - a set of formal techniques to monitor or evaluate the clinical necessity, appropriateness, efficacy or
efficiency of, health care services, procedures or settings. Techniques include ambulatory review, prospective review,
second opinion, certification, concurrent review, Care Management, discharge planning and/or retrospective review.
Utilization Review also includes reviewing whether or not a procedure or treatment is considered Experimental or
Investigational, and reviewing your medical circumstances when such a review is needed to determine if an exclusion
applies.
End of Booklet

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