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030117063837-44799-PPO-Tufts Health Plan Spirit-20176

Important Questions / Answers / Why this Matters:
What is the overall deductible? / $300/ person, /$900/ family
deductible for the 2015 2016 calendar yearcoverage period. There is a separate deductible of $150 person/$450 family for the period 1/1/16 to 6/30/16.
Doesn’t apply to preventive care. / You must pay all the costs up to the deductible amount before this plan begins to pay for covered services you use. Check your policy or plan document to see when the deductible starts over (usually, but not always, January 1st). See tThe chart starting on page 2 showsfor how much you pay for covered services after you meet the deductible.
Are there other deductibles for specific services? / No. / You don’t have to meet deductibles for specific services, but see the chart starting on page 2 for other costs for of services this plan covers.
Is there an out-of-pocket maximum limit on my expenses? / Yes.
, $5,000/ person, /$10,000/ family for medical, pharmacy and behavioral health expenses. / The out-of-pocket maximum limit is the most you could pay during a calendar yearcoverage period (usually one year) for your share of the cost of covered services. This maximum limit helps you plan for health care expenses.
What is not included in
the out-of-pocket maximum? / Premiums, balance-billed charges, and health care this plan doesn't cover. / Even though you pay these expenses, they don’t count toward the
out-–of-–pocket maximumlimit.
Is there an overall annual limit on what the plan pays? / No. / The chart starting on page 2 describes any limits on what the plan will pay for specific covered services, such as office visits.
Does this plan use a network of providers? / Yes. For a list of in-network providers, see www.tuftshealthplan.com/gic or call
800-870-9488. / If you use an in-network doctor or other health care providers, this plan will pay some or all of the costs for covered services. Be aware, your in-network doctor or hospital may use an out-of-network provider for some services (such as lab work). Plans use the term in-network, preferred, or participating for providers in their network. See the chart starting on page 2 for how this plan pays for different types of providers.
Do I need a referral to see a specialist? / No. / You can see the specialist you choose without permission from this plan.
Are there services this plan doesn’t cover? / Yes. / Some of the services this plan doesn’t cover are listed later in this summary. See your policy or plan document for additional information about excluded services.

Questions: Call 800-870-9488 or visit us at www.tuftshealthplan.com/gic.

If you aren’t clear about any of the bolded and underlined terms used in this form, see the Glossary.

You can view the Glossary at www.tuftshealthplan.com/gic or call 800-870-9488 to request a copy.

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/ Your cost if you use an /
Common
Medical Event / Services You May Need / In-network Provider / Out-of-network Provider / Limitations & Exceptions /
If you visit a
health care provider’s office or clinic / Primary care visit to treat an injury or illness / $20 copay/visit / Not covered / ———— none ————
Specialist visit / In MA:
Tier 1 (Excellent) -
$30 copay/visit
Tier 2 (Good) - $60
copay/visit
Tier 3 (Standard) - $90
copay/visit
Outside MA, and all other specialists
$60 copay/visitTier 1 (Excellent) - $30 copay/visit
Tier 2 (Good) - $60 copay/visit
Tier 3 (Standard) - $90 copay/visit
All other specialists - $60 copay/visit / Not covered / ———— none ————
Other practitioner office visit / Chiropractic care:
$20 copay/visit for chiropractor / Not covered / Spinal manipulations limited to one evaluation and 20 visits per calendar yearcoverage period. Not covered for children age 12 and under.
Preventive care/screening/immunization / No charge / Not covered / ———— none ————
If you have a test / Diagnostic test (x-ray, blood work) / Deductible / Not covered / ———— none ————
Imaging (CT/PET scans, MRIs) / $100 copay/day, then deductible / Not covered / In-network: Maximum 1 copay per day.