EMPLOYEE 2020 - Edmund Optics
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EMPLOYEE BENEFITS 2020
TABLE OF CONTENTS
Did You Know?.......................................................................................................................................3
What’s New!...........................................................................................................................................4
Benefit Notes..........................................................................................................................................5
Annual Notices....................................................................................................................................6-7
Medical Plans.................................................................................................................................... 8-22
HSA OAP Medical Plan..........................................................................................................................8
Health Savings Account........................................................................................................................ 13
Open Access Plus In-Network.......................................................................................................... 14-17
Open Access Plus Out-of-Network.................................................................................................... 18-22
Vision Plans..................................................................................................................................... 23-25
Dental Plans......................................................................................................................................... 26
Flexible Spending Accounts.............................................................................................................. 27-29
Basic Life Insurance.............................................................................................................................. 30
Voluntary Life and AD&D Insurance...................................................................................................... 30
Short and Long Term Disability............................................................................................................. 30
401(k) Savings Plan............................................................................................................................... 30
Group Voluntary Benefits...................................................................................................................... 31
Additional Benefits.......................................................................................................................... 32-35
Notes.................................................................................................................................................... 36
Contact Information.............................................................................................................................. 37
Please Note: This booklet provides a summary of the benefits available. The Company reserves the right to modify, amend, suspend, or terminate any plan at any
time, and for any reason without prior notification. The plans described in this book are governed by insurance contracts and plan documents, which are available for
examination upon request. We have attempted to make the explanations of the plans in this booklet as accurate as possible. However, should there be a discrepancy
between this booklet and the provisions of the insurance contracts or plan documents, the provisions of the insurance contracts or plan documents will govern. In
addition, you should not rely on any oral descriptions of these plans, since the written descriptions in the insurance contracts or plan documents will always govern.
2 | 800. 3 6 3 . 1 9 9 2 Edmund Optics®
DID YOU KNOW?
EDUCATIONAL ASSISTANCE PROGRAM DAY CARE SUBSIDY
The EO Educational Assis- Edmund Optics provides em-
tance Program was estab- ployees reimbursement for the
lished in an effort to assist cost of day care services for
employees who wish to pur- children up to age 6, not yet eli-
sue formal education to en- gible for full- day public school-
hance their current skills thus ing. This benefit is available
improving their potential for only to full-time employees
future opportunities with EO. after 90 days of employment.
SEE PAGE 32 SEE PAGE 32
DELL PERKS PC PURCHASE PROGRAM
Edmund Optics and Dell are The EO PC Purchase Program
pleased to bring you the Dell is a benefit provided to all em-
Employee Purchase program ployees of Edmund Optics.
(EPP). Buy Dell desktops, lap-
tops, and accessories for home
use and take advantage of ex-
clusive EPP discount pricing.
SEE PAGE 32 SEE PAGE 33
GYM REIMBURSEMENT DISCOUNTED TICKETS
Edmund Optics will reimburse Edmund Optics offers a va-
employees $10 per month for riety of seasonal discounted
a gym membership. tickets such as The Philadel-
phia Zoo, Adventure Aquari-
um, and Great Adventure.
SEE PAGE 32 SEE PAGE 33
DISCOUNT AUTOMOBILE INSURANCE AAA
As members of the NJ Busi- More than just roadside as-
ness Industry Associates, EO sistance! Offering 1,000’s of
has a benefit that we can pass member discounts nationwide.
on to our employees. Expert traveling and booking.
AAA automobile insurance.
SEE PAGE 33 SEE PAGE 33
VERIZON DISCOUNT PROGRAM
Edmund Optics employees can receive a discount on their personal
wireless service.
SEE PAGE 33
www. edm undoptics.com | 3
BENEFIT HIGHLIGHTS
KASHABLE LOAN PROGRAM PREVENTIVE CARE
IMPORTANT TO YOUR HEALTH
WHAT IS KASHABLE?
Prevention is one of the keys to good health. Getting the right
You’re a hard worker. You’re a loyal employee. You make a care can help prevent certain health-related diseases, detect
good wage to support your daily life. But what about when health problems early and can help maintain good health. Start
the unexpected happens and hardship strikes? Perhaps the by having regular checkups with the same doctor or the same
car breaks down, a medical bill shows up, or the refrigerator clinic each year. Having one doctor that you see regularly will
stops running. Kashable is there to help you bridge the gap. We help you build a good relationship with your doctor and can
offer online, low interest, installment loans to support eligible improve the quality of your care.
employees of participating employers.
SEE PAGE 32 SEE PAGE 34
TICKETS AT WORK®
SEE PAGE 35
4 | 800. 3 6 3 . 1 9 9 2 Edmund Optics®
ELIGIBILITY REQUIREMENTS You may also be permitted to change your elections for health cover-
BENEFIT NOTES
age under the following circumstances:
All full-time employees with a normal schedule of 30 hours or more
per week are eligible for medical insurance benefits. Employees with • A court order requires that your child receive accident or health
the status of “Regular, Full-time” are also eligible for Dental, Life coverage under this plan or a former spouse’s plan;
and Disability Benefits. Employees are eligible for participation in • You, your spouse, or dependent becomes entitled to Medicare
the respective plans on the first of the month following date of hire. or Medicaid;
Eligibility for other benefits are as listed within this summary. • You have a Special Enrollment Right;
• There is a significant change in the cost or coverage of you or
Eligible Dependents for Medical and Dental Coverage your spouse attributable to your spouse’s employment.
Your eligible dependents include: For purposes of all other benefits under the plan, you will be deemed
to have a status change if the change is on account of, and consistent
• A spouse to whom you are legally married or domestic partner. with, a change in status, as determined by the Plan Administrator, in
• A dependent child under age 26. Coverage will terminate at the its discretion, under applicable law and the plan provisions.
end of the calendar year of the dependent child’s 26th birthday.
You must notify the Human Resources Department within 30
If a dependent child is mentally or physically challenged, coverage days of the Status Change in order to make a change in your
may be extended beyond these age limits. benefit elections.
SECTION 125 CIGNA MEDICAL PLANS
Certain benefits described in this guide may be purchased with pre- Edmund Optics offers 3 different medical Cigna options from which
tax payroll deductions as permitted by Section 125 of the Internal to choose:
Revenue Code. When you purchase benefits with pre-tax dollars, you
reduce your taxable income, so fewer taxes are taken out of your • HSA Open Access Plus (OAP)
paycheck. You can actually have more spendable income than if the • Open Access Plus Plan (OAP) In-Network coverage only
same deductions were taken on an after-tax basis. • Open Access Plus Plan (OAP) with Out-of-Network coverage
Benefit Changes For the HSA plan:
• You can go to any doctor you choose and receive care.
Benefit elections will remain in effect and cannot be changed or re- • You will receive a higher level of benefits if you remain in
voked until an affirmative election is made during an open enrollment Cigna’s network.
period, or unless the change is on account of, and consistent with, a • You do not need referrals to see specialists.
status change. For purposes of health, dental, vision, voluntary life • You do not need to select a Primary Care Physician.
insurance and Flexible Spending Accounts, you will be deemed to • Your in-network provider will submit claims for you. If you
have a status change if: seek care out-of-network, you may have to submit the claim to
Cigna yourself.
• Your marital status changes through marriage, the death of For the OAP In-Network coverage only plan:
your spouse, divorce, legal separation, or annulment; • You can go to any Open Access Plus doctor you choose and
• Your number of dependents changes through birth, adoption, receive care in-network.
placement for adoption, or death of a dependent; • You do not need referrals to see specialists.
• You, your spouse, or dependent terminate or begin employment; • You do not need to select a Primary Care Physician.
• You, your spouse, or dependent experience an increase or re- • Your in-network provider will submit claims for you.
duction in hours of employment (including a switch between
part-time and full-time employment; commencement of, or re- If you seek care out-of-network, you will be responsible for
turn from, an unpaid leave of absence); all charges incurred. There is no out-of-network coverage.
• Change in work site;
• Gain or loss of eligibility under a plan offered by you, your For the OAP with Out-of-Network coverage plan:
spouse’s or dependent’s employer; • You can go to any doctor you choose and receive care.
• Your dependent satisfies or ceases to satisfy the requirements • You will receive a higher level of benefits if you remain in
for coverage under the plan due to attainment of age, student Cigna’s network.
status, or similar circumstance; • You do not need referrals to see specialists.
• A change in residence for you, your spouse, or your dependent • You do not need to select a Primary Care Physician.
resulting in a gain or loss of eligibility. • Your in-network provider will submit claims for you. If you
seek care out-of-network, you may have to submit the claim to
In order to be permitted to make a change of election relating to Cigna yourself.
your health, dental, vision, and Flexible Spending Accounts coverage
due to a status change, the status change must result in you or your
spouse or dependent gaining or losing eligibility for health, dental,
accident, disability, voluntary life and Flexible Spending Accounts
coverage under this plan or a plan sponsored by another employer by
whom you, your spouse, or dependent are employed. The election
change must correspond with that gain or loss of eligibility.
www. edm undoptics.com | 5
NEWBORNS’ AND MOTHERS’ HEALTH PROTECTION ACT ic information and strictly limits disclosure of genetic information.
ANNUAL NOTICES
OF 1996 (NEWBORN’S ACT) Genetic information includes information about genetic tests of ap-
plicants, employees, or their family members; the manifestation of
Group health plans and health insurance issuers generally may not, diseases or disorders in family members (family medical history); and
under Federal law, restrict benefits for any hospital length of stay in requests for, or receipt of, genetic services by applicants, employees,
connection with childbirth for the mother or newborn child to less or their family members. For further information on GINA, please
than 48 hours following a vaginal delivery, or less than 96 hours fol- see the poster “Equal Employment Opportunity is The Law,” which
lowing a cesarean section. However, Federal law generally does not should be posted in a common area at your employment location.
prohibit the mother’s or newborn’s attending provider, after consult-
ing with the mother, from discharging the mother or her newborn COVERAGE EXTENSION RIGHTS UNDER THE UNIFORMED
earlier than 48 hours (or 96 hours as applicable). In any case, plans SERVICES EMPLOYMENT AND REEMPLOYMENT RIGHTS
and issuers may not, under Federal law, require that a provider obtain ACT (USERRA)
authorization from the plan or the issuer for prescribing a length of
stay not in excess of 48 hours (or 96 hours). If you leave your job to perform military service, you have the right to
elect to continue your existing employer-based health plan coverage
THE WOMEN’S HEALTH AND CANCER RIGHTS ACT OF 1998 for you and your dependents (including spouse) for up to 24 months
(WHCRA, ALSO KNOWN AS JANET’S LAW) while in the military. Even if you do not elect to continue coverage
during your military service, you have the right to be reinstated in
Under WHCRA, group health plans, insurance companies, and health your employer’s health plan when you are reemployed, generally
maintenance organizations (HMOs) offering mastectomy coverage without any waiting periods or exclusions for pre-existing conditions
must also provide coverage for reconstructive surgery in a manner except for service-connected injuries or illnesses.
determined in consultation with the attending physician and the pa-
tient. Coverage includes reconstruction of the breast on which the MICHELLE’S LAW
mastectomy was performed, surgery and reconstruction of the oth-
er breast to produce a symmetrical appearance, and prostheses and Michelle’s Law permits seriously ill or injured college students to
treatment of physical complications at all stages of the mastectomy, continue coverage under a group health plan when they must leave
including lymphedemas. Call your Plan Administrator for more in- school on a full-time basis due to their injury or illness and would
formation. otherwise lose coverage.
QUALIFIED MEDICAL CHILD SUPPORT ORDER (QMCSO) The continuation of coverage applies to a dependent child’s leave of
absence from (or other change in enrollment) a postsecondary edu-
QMCSO is a medical child support order issued under State law that cational institution (college or university) because of a serious illness
creates or recognizes the existence of an “alternate recipient’s” right or injury, while covered under a health plan. This would otherwise
to receive benefits for which a participant or beneficiary is eligible cause the child to lose dependent status under the terms of the plan.
under a group health plan. An “alternate recipient” is any child of a
participant (including a child adopted by or placed for adoption with Coverage will be continued until:
a participant in a group health plan) who is recognized under a medi- 1) one year from the start of the medically necessary leave of
cal child support order as having a right to enrollment under a group absence, or
health plan with respect to such participant. Upon receipt, the Plan 2) the date on which the coverage would otherwise terminate under
Administrator of a group health plan is required to determine, within the terms of the health plan; whichever is earlier.
a reasonable period of time, whether a medical child support order is
qualified, and to administer benefits in accordance with the applica- MENTAL HEALTH PARITY AND ADDICTION EQUITY ACT
ble terms of each order that is qualified. In the event you are served OF 2008
with a notice to provide medical coverage for a dependent child as
the result of a legal determination, you may obtain information from This act expands the mental health parity requirements in the Em-
your employer on the rules for seeking to enact such coverage. These ployee Retirement Income Security Act, the Internal Revenue Code
rules are provided at no cost to you and may be requested from your and the Public Health Services Act by imposing new mandates on
employer at any time. group health plans that provide both medical and surgical benefits
and mental health or substance abuse disorder benefits. Among the
NOTICE OF PRIVACY PRACTICES (HIPAA) new requirements, such plans (or the health insurance coverage of-
fered in connection with such plans) must ensure that: the financial
In compliance with the Health Insurance Portability and Account- requirements applicable to mental health or substance abuse disor-
ability Act of 1996 (HIPAA), your employer recognizes your right to der benefits are no more restrictive than the predominant financial
privacy in matters related to the disclosure of health-related infor- requirements applied to substantially all medical and surgical bene-
mation. The Notice of Privacy Practices (provided to you upon your fits covered by the plan (or coverage), and there are no separate cost
enrollment in the health plan) details the steps your employer has sharing requirements that are applicable only with respect to mental
taken to assure your privacy is protected. The Notice also explains health or substance abuse disorder benefits.
your rights under HIPAA. A copy of this Notice is available to you at
any time, free of charge, by request through your employer. MEDICARE PART D NOTICE
GENETIC INFORMATION The prescription drug benefit plan, offered by your employer is cred-
itable coverage. Medicare-eligible participants need not enroll in a
Title II of the Genetic Information Nondiscrimination Act of 2008 separate Medicare D drug plan. Active medical plan participants that
(“GINA”) protects applicants and employees from discrimination qualify for Medicare coverage will receive a full disclosure notice.
based on genetic information in hiring, promotion, discharge, pay,
fringe benefits, job training, classification, referral, and other aspects
of employment. GINA also restricts employers’ acquisition of genet- Continued on next page
6 | 800. 3 6 3 . 1 9 9 2 Edmund Optics®
MEDICAID AND THE CHILDREN’S HEALTH INSURANCE www.insurekidsnow.gov to find out how to apply. If you qual-
ANNUAL NOTICES
PROGRAM (CHIP) OFFER FREE LOW-COST HEALTH COV- ify, you can ask the State if it has a program that might help you
ERAGE TO CHILDREN AND FAMILIES. pay the premiums for an employer-sponsored plan.
As an Edmund Optics® employee, you are eligible for health care cov- If you or your dependents are eligible for premium assistance under
erage. If you are unable to afford the premiums, some States have Medicaid or CHIP, as well as eligible under your employer plan, your
premium assistance programs that can help pay for coverage. These employer must allow you to enroll in your employer plan if you aren’t
States use funds from their Medicaid or CHIP programs to help peo- already enrolled. This is called a “special enrollment” opportunity,
ple who are eligible for employer-sponsored health coverage, but and you must request coverage within 60 days of being de-
need assistance in paying their health premiums. termined eligible for premium assistance. If you have questions
about enrolling in your employer plan, contact the Department of
If you or your dependents are already enrolled in Medicaid or CHIP Labor at www.askebsa.dol.gov or call 1-866-444-EBSA (3272).
and you live in a State listed below, you can contact your State Medic-
aid or CHIP office to find out if premium assistance is available. If you live in one of the following States, you may be eligible
for assistance in paying your employer health plan premi-
If you or your dependents are NOT currently enrolled in Med- ums. The following list of States is current as of February 17,
icaid or CHIP, and you think you or any of your dependents 2020. You should contact your State for further information
might be eligible for either of these programs, you can contact on eligibility.
your State Medicaid or CHIP office or dial 1-877-KIDS NOW or
STATE CONTACT NUMBERS
ARIZONA – MEDICAID AND CHIP
Medicaid Website: benefits.gov/benefit/1000
CHIP Website: benefits.gov/benefit/1001
NEW JERSEY – MEDICAID AND CHIP
Medicaid Website: benefits.gov/benefit/1314
Medicaid Phone: 1-800-356-1561
CHIP Website: benefits.gov/benefit/1315
CHIP Phone: 1-800-701-0710
NEW YORK – MEDICAID AND CHIP
Medicaid Website: benefits.gov/benefit/1637
CHIP Website: benefits.gov/benefit/1609
PENNSYLVANIA – MEDICAID AND CHIP
Medicaid Website: benefits.gov/benefit/1148
CHIP Website: benefits.gov/benefit/1188
NEW MEXICO – MEDICAID AND CHIP
Medicaid Website: benefits.gov/benefit/1636
CHIP Website: benefits.gov/benefit/1319
VIRGINIA – MEDICAID AND CHIP
Medicaid Website: benefits.gov/benefit/1643
CHIP Website: virginia.gov/services/apply-for-famis
CALIFORNIA – MEDICAID AND CHIP
Medicaid Website: benefits.gov/benefit/1620
CHIP Website: benefits.gov/benefit/1596
To see if any more States have added a premium assistance program, or for more information on special enrollment
rights, you can contact either:
U.S. DEPARTMENT OF LABOR
Employee Benefits Security Administration
Website: www.dol.gov/ebsa
Phone: 1-866-444-EBSA (3272)
U.S. DEPARTMENT OF HEALTH AND HUMAN SERVICES
Centers for Medicare & Medicaid Services
Website: www.cms.gov
www. edm undoptics.com | 7
HSA OAP MEDICAL PLAN
SUMMARY OF BENEFITS
Cigna Health and Life Insurance Co.
For - Edmund Optics, Inc.
HSA OAP Plan
Effective - 01/01/2020
Selection of a Primary Care Provider - your plan may require or allow the designation of a primary care provider. You have the right to designate any primary care
provider who participates in the network and who is available to accept you or your family members. If your plan requires designation of a primary care provider,
Cigna may designate one for you until you make this designation. For information on how to select a primary care provider, and for a list of the participating primary
care providers, visit www.mycigna.com or contact customer service at the phone number listed on the back of your ID card. For children, you may designate a
pediatrician as the primary care provider.
Direct Access to Obstetricians and Gynecologists - You do not need prior authorization from the plan or from any other person (including a primary care provider)
in order to obtain access to obstetrical or gynecological care from a health care professional in our network who specializes in obstetrics or gynecology. The health
care professional, however, may be required to comply with certain procedures, including obtaining prior authorization for certain services, following a pre-approved
treatment plan, or procedures for making referrals. For a list of participating health care professionals who specialize in obstetrics or gynecology, visit
www.mycigna.com or contact customer service at the phone number listed on the back of your ID card.
Your coverage includes a health savings account that you can use to pay for eligible out-of-pocket expenses.
Plan Highlights In-Network Out-of-Network
Lifetime Maximum Unlimited Unlimited
Your Plan’s Deductibles, Out-of-Pockets and benefit level limits accumulate on a calendar year
Plan Year Accumulation
basis unless otherwise stated
Plan Coinsurance Plan pays 100% Plan pays 70%
Maximum Reimbursable Charge Not Applicable 150%
Individual - Employee Only: $2,000 Individual - Employee Only: $2,000
Plan Deductible
Family Maximum: $4,000 Family Maximum: $4,000
The amount you pay for all covered expenses counts toward both your in-network and out-of-network deductibles.
Plan deductible always applies before any benefit copay/deductible or coinsurance.
All eligible family members contribute towards the family plan deductible. Once the family deductible has been met, the plan will pay each eligible family
member’s covered expenses based on the coinsurance level specified by the plan.
This plan includes a combined Medical/Pharmacy plan deductible.
Note: Services wherePlan Highlights
plan deductible applies are noted with a caret (^). In-Network Out-of-Network
Individual - Employee Only: $5,000 Individual - Employee Only: $10,000
Plan Out-of-Pocket Maximum Individual - within a Family: $5,000 Individual - within a Family: $10,000
Family Maximum: $10,000 Family Maximum: $20,000
The amount you pay for all covered expenses counts towards both your in-network and out-of-network out-of-pocket maximums.
Plan deductible contributes towards your out-of-pocket maximum.
All benefit copays/deductibles contribute towards your out-of-pocket maximum.
Covered expenses that count towards your out-of-pocket maximum include customer paid coinsurance and charges for Mental Health and Substance Use
Disorder. Out-of-network non-compliance penalties or charges in excess of Maximum Reimbursable Charge do not contribute towards the out-of-pocket
1/1/2020maximum.
NJ After each eligible family member meets his or her individual out-of-pocket maximum, the plan will pay 100% of their covered expenses. Or, after the family
Health Savings Account
out-of-pocket Open Access
maximum Plusmet,
has been - Edmund Optics,
the plan Inc.
will pay HSAof each eligible family member's covered expenses.
100%
This plan includes a combined Medical/Pharmacy out-of-pocket maximum.
Facets - 9237693 - V 16 1 of 10 ©Cigna 2019
Benefit In-Network Out-of-Network
Note: Services where plan deductible applies are noted with a caret (^). Plan deductible always applies before benefit copays/deductibles.
Physician Services - Office Visits
Primary Care Physician (PCP) Services/Office Visit Plan pays 100% ^ Plan pays 70% ^
Specialty Care Physician Services/Office Visit Plan pays 100% ^ Plan pays 70% ^
Covered same as Physician Services - Office Covered same as Physician Services - Office
Surgery Performed in Physician's Office
Visit Visit
Cigna Telehealth Connection Services Plan pays 100% ^ Not Covered
Includes charges for the delivery of medical and health-related consultations via secure telecommunications technologies, telephones and internet only when
delivered by contracted medical telehealth providers (see details on myCigna.com)
Preventive Care
Preventive Care Office Visit Plan pays 100% Plan pays 70% ^
Lab & X-ray: Plan pays 100%; All other
Preventive Services Plan pays 100%
services: Plan pays 70% ^
Includes preventive Mammograms, Papanicolaou (Pap), Prostate Specific Antigen (PSA) tests and colorectal screenings.
Diagnostic-related services are covered at the same level of benefits as other x-ray and lab services, based on place of service.
Immunizations Plan pays 100% Plan pays 70% ^
Inpatient
Inpatient Hospital Facility Services Plan pays 100% ^ Plan pays 70% ^
Note: Includes all Lab and Radiology services, including Advanced Radiological Imaging as well as Medical Specialty Drugs
Inpatient Hospital Physician's Visit/Consultation Plan pays 100% ^ Plan pays 70% ^
Inpatient Professional Services Plan pays 100% ^ Plan pays 70% ^
Benefit
For services performed In-Network
by Surgeons, Radiologists, Pathologists and Anesthesiologists Out-of-Network
Outpatient
Note: Services where plan deductible applies are noted with a caret (^). Plan deductible always applies before benefit copays/deductibles.
Outpatient
1/1/2020 Facility Services Plan pays 100% ^ Plan pays 70% ^
Outpatient
NJ Professional Services Plan pays 100% ^ Plan pays 70% ^
Health For services
Savings performed
Account by Surgeons,
Open Access Radiologists,
Plus - Edmund Optics,Pathologists
Inc. HSA and Anesthesiologists
Emergency Services
Facets - 9237693 - V 16 2 of 10 ©Cigna 2019
Emergency Room
Includes ER Physician Charges, Lab and Radiology Plan pays 100% ^
including Advanced Radiological Imaging (ARI)
Urgent Care Facility
Plan pays 100% ^
Includes Physician Charges, Lab and Radiology
Ambulance Plan pays 100% ^
Ambulance services used as non-emergency transportation (e.g., transportation from hospital back home) generally are not covered.
Inpatient Services at Other Health Care Facilities
Skilled Nursing Facility, Rehabilitation Hospital, Sub-Acute
Facilities Plan pays 100% ^ Plan pays 70% ^
Annual Limit: 100 days
Laboratory Services
8 | 800. 363.1992 Edmund Optics®
Physician’s Services/Office Visit Plan pays 100% ^
Covered same as Physician Services - Office
Visit
Independent Lab Plan pays 100% ^ Plan pays 70% ^
Outpatient Facility Plan pays 100% ^ Plan pays 70% ^
Radiology Services
Benefit In-Network Out-of-Network
Note: Services where plan deductible applies are noted with a caret (^). Plan deductible always applies before benefit copays/deductibles.
Outpatient Facility Services Plan pays 100% ^ Plan pays 70% ^
Outpatient Professional Services Plan pays 100% ^ Plan pays 70% ^
Benefit In-Network Out-of-Network
HSA OAP MEDICAL PLAN
For services performed by Surgeons, Radiologists, Pathologists and Anesthesiologists
Note: Services where
Emergency plan deductible applies are noted with a caret (^). Plan deductible always applies before benefit copays/deductibles.
Services
Outpatient Speech Therapy, Hearing Therapy and
Emergency Room Plan pays 100% ^ Plan pays 70% ^
Occupational Therapy
Includes ER Physician Charges, Lab and Radiology Plan pays 100% ^
Annual Limits:
including Advanced Radiological Imaging (ARI)
Speech, Hearing and Occupational Therapies – 30 visits
Urgent Care Facility
Limits are not applicable Plan pays 100% ^
Includes Physician Charges, Lab to mental
and health conditions for Speech and Occupational Therapies.
Radiology
Ambulance Plan pays 100% ^
Note: Therapy visits, provided as part of an approved Home Health Care plan, accumulate to the applicable Home Health Care maximum.
Ambulance services used as non-emergency transportation (e.g., transportation from hospital back home) generally are not covered.
Chiropractic Care Plan pays 100% ^ Plan pays 70% ^
Inpatient
Annual Limit: Services at Other Health Care Facilities
Skilled
Nursing Facility,
Chiropractic Care Rehabilitation
– 30 visits Hospital, Sub-Acute
Facilities Plan pays 100% ^ Plan pays 70% ^
Hospice
Annual Limit: 100 days
Inpatient Facilities Plan pays 100% ^ Plan pays 70% ^
Laboratory
Outpatient ServicesServices Plan pays 100% ^ Plan pays 70% ^
Note: Covered same as Physician Services - Office
Physician’s Services/Office counseling
Includes Bereavement Visit provided as part of a hospice
Planprogram.
pays 100% ^
Visit
Medical Specialty Drugs
Independent Lab Plan pays 100% ^ Plan pays 70% ^
Outpatient Facility Plan pays 100% ^ Plan pays 70% ^
Outpatient Facility Plan pays 100% ^ Plan pays 70% ^
Radiology Services
Covered same as Physician Services - Office
Physician’s Services/Office Visit Plan pays 100% ^
Physician's Office Plan pays 100% ^ Visit pays 70% ^
Plan
Outpatient Facility Plan pays 100% ^ Plan pays 70% ^
Advanced Radiological Imaging (ARI) Includes MRI, MRA, CAT Scan, PET Scan, etc.
Home Plan pays 100% ^ Plan pays 70% ^
Outpatient Facility Plan pays 100% ^ Plan pays 70% ^
Physician’s Services/Office Visit Plan pays 100% ^ Plan pays 70% ^
Note: This benefit only applies to the cost of the Infusion Therapy drugs administered. This benefit does not cover the related Facility, Office Visit or Professional
Outpatient
charges. Short Term Rehabilitation
Outpatient Physical Therapy
Family Planning Plan pays 100% ^ Plan pays 70% ^
Annual
Women’sLimits:
Services Plan pays 100% Coverage varies based on Place of Service
Physical Therapy – 30 visits
Includes contraceptive devices as ordered or prescribed by a physician and surgical sterilization services, such as tubal ligation (excludes reversals)
Limits are not applicable to mental health conditions.
Men’s Services Coverage varies based on Place of Service Coverage varies based on Place of Service
Includes surgical
Note: Therapy visits, Benefit
sterilization
provided services, such
as part of as vasectomy
an approved Home(excludes reversals)
Health Care In-Network
plan, accumulate Out-of-Network
to the applicable Home Health Care maximum.
Abortion
Note: Services where plan deductible applies are noted with a caret (^). Plan deductible always applies before benefit copays/deductibles.
Outpatient
Abortion Speech Therapy, Hearing Therapy and
Services Coverage varies based on Place of Service Coverage varies based on Place of Service
1/1/2020 Plan pays 100% ^ Plan pays 70% ^
Occupational
Note: Elective Therapy
and non-elective procedures
NJ
Annual Limits:
Health
Savings
Speech,Account
HearingOpen Access Plus -Therapies
and Occupational Edmund Optics, Inc. HSA
– 30 visits
Limits are not applicable to mental health conditions for Speech and Occupational Therapies.
Facets - 9237693 - V 16
1/1/2020 3 of 10 ©Cigna 2019
Note: Therapy visits, provided as part of an approved Home Health Care plan, accumulate to the applicable Home Health Care maximum.
NJ
Health Savings
Chiropractic Account Open Access Plus - Edmund Optics, Inc. HSA
Care Plan pays 100% ^ Plan pays 70% ^
Annual Limit:
Facets
-Chiropractic
9237693 - VCare
16 – 30 visits 4 of 10 ©Cigna 2019
Hospice
Inpatient Facilities Plan pays 100% ^ Plan pays 70% ^
Outpatient Services Plan pays 100% ^ Plan pays 70% ^
Note: Includes Bereavement counseling provided as part of a hospice program.
Medical Specialty Drugs
Outpatient Facility Plan pays 100% ^ Plan pays 70% ^
Physician's Office Plan pays 100% ^ Plan pays 70% ^
Home Plan pays 100% ^ Plan pays 70% ^
Note: This benefit only applies to the cost of the Infusion Therapy drugs administered. This benefit does not cover the related Facility, Office Visit or Professional
charges.
Family Planning
Women’s Services Plan pays 100% Coverage varies based on Place of Service
Includes contraceptive devices as ordered or prescribed by a physician and surgical sterilization services, such as tubal ligation (excludes reversals)
Men’s Services Coverage varies based on Place of Service Coverage varies based on Place of Service
Includes surgical sterilization services, such as vasectomy (excludes reversals)
Abortion
Abortion Services Coverage varies based on Place of Service Coverage varies based on Place of Service
Note: Elective and non-elective procedures
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Benefit In-Network Out-of-Network
HSA OAP MEDICAL PLAN
Note: Services where plan deductible applies are noted with a caret (^). Plan deductible always applies before benefit copays/deductibles.
Infertility
Infertility Treatment Coverage varies based on Place of Service Coverage varies based on Place of Service
Infertility covered services: lab and radiology test, counseling, surgical treatment, includes artificial insemination, in-vitro fertilization, GIFT, ZIFT, etc.
Lifetime Maximum: Unlimited
Other Health Care Facilities/Services
Home Health Care Plan pays 100% ^ Plan pays 70% ^
Annual Limit: 100 visits (The limit is not applicable to mental health and substance use disorder conditions.)
Organ Transplants Covered same as Inpatient benefit Covered same as Inpatient benefit up to the
following transplant maximums:
Bone Marrow - $130,000
Heart - $150,000
Heart/Lung - $185,000
Kidney - $80,000
Kidney/Pancreas - $80,000
Liver - $230,000
Lung - $185,000
Pancreas - $50,000
Services paid at in-network level if performed at Cigna LifeSOURCE Transplant Network® Facilities.
Travel Maximum: $10,000 maximum per Transplant per Lifetime
Note: INN Copay/Cost-Share only applies to In-Network, Non-LifeSOURCE Facilities that have contracted to provide Organ Transplant Services. All other Non-
LifeSOURCE Facilities (In-Network and Out-of-Network) are covered at the same OON Copay/Cost-Share level as other Hospital and Professional Services.
Plan pays 100% ^
Durable Medical Equipment and External Prosthetic
Plan pays 70% ^
Appliances
External Prosthetic Appliances:
Annual Limit: Unlimited
Plan pays 100% ^
Breast Feeding Equipment and Supplies
Limited to the rental of one breast pump per birth as
Plan pays 100% Plan pays 70% ^
ordered or prescribed by a physician
Includes related supplies
Hearing Aids Plan pays 100% ^ Plan pays 100% ^
Maximum of 2 devices (one per ear) per 24 months
Includes testing and fitting of hearing aid devices at Physician Office Visit cost share.
Coverage through age 15
Note: Services where plan deductible applies are noted with a caret (^).
Mental Health
Note: Services where and
planSubstance UseareDisorder
deductible applies noted with a caret (^).
Inpatient mental health Plan pays 100% ^ Plan pays 70% ^
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Outpatient mental health – Physician’s Office Plan pays 100% ^ Plan pays 70% ^
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Outpatient mental health – all other services Plan pays 100% ^ Plan pays 70% ^
Health Savings Account Open Access Plus - Edmund Optics, Inc. HSA
Inpatient substance use disorder Plan pays 100% ^ Plan pays 70% ^
Outpatient substance
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Outpatient substance use disorder – all other services Plan pays 100% ^ Plan pays 70% ^
Annual Limits:
Unlimited maximum
Notes:
Inpatient includes Residential Treatment.
Outpatient includes Individual, Intensive Outpatient, Behavioral Telehealth Consultation, and Group Therapy; also Partial Hospitalization.
Pharmacy In-Network Out-of-Network
Cost Share and Supply
Med Pharmacy Cost Share Once the medical deductible is met then Once the medical deductible is met then
Retail – up to 90-day supply the customer is responsible for the cost the customer is responsible for the
Home Delivery – up to 90-day supply share coinsurance
Retail: Retail:
You pay 30% You pay 30%
Your plan pays 70% ^ Your plan pays 70% ^
Home Delivery: Home Delivery:
You pay 30% Same as Retail Out-of-Network
Your plan pays 70% ^
Retail drugs for a 30 day supply may be obtained In-Network at a wide range of pharmacies across the nation although prescriptions for a 90 day supply
(such as maintenance drugs) will be available at select network pharmacies.
Cigna 90 Now Program: You can choose to fill your medications in a 30- or 90-day supply. If you choose to fill a 30-day prescription, it can be filled at any
network retail pharmacy or Cigna Home Delivery. If you choose to fill a 90-day prescription, it must be filled at a 90-day network retail pharmacy or Cigna
Home Delivery to be covered by the plan.
Specialty medications are used to treat an underlying disease which is considered to be rare and chronic including, but not limited to, multiple sclerosis,
hepatitis C or rheumatoid arthritis. Specialty Drugs may include high cost medications as well as medications that may require special handling and close
supervision when being administered.
You can elect brand or generic with no penalty (MAC C).
Your pharmacy benefits share an annual deductible and out-of-pocket maximum with the medical/behavioral benefits. The applicable cost share for covered
drugs applies after the combined deductible has been met.
Preventive Drugs:
Federally required preventive drugs will not be subject to deductible and will be provided at no charge. In addition, In-Network Generic preventive drugs and products
will not be subject to deductible and will be provided at no charge. This applies to drugs for:
Hypertension, high cholesterol, diabetes, asthma, osteoporosis, stroke, prenatal nutrient deficiency
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HSA OAP MEDICAL PLAN
Prescription Drug List:
Your Cigna Advantage Prescription Drug List includes a full range of drugs including all those required under applicable health care laws. Some of the more
expensive drugs are excluded when there are less expensive alternatives. To check which drugs are included in your plan, please log on to myCigna.com.
Some highlights:
Coverage includes Self Administered injectable drugs, but excludes infertility drugs.
Contraceptive devices and drugs are covered with federally required products covered at 100%.
Insulin, glucose test strips, lancets, insulin needles & syringes, insulin pens and cartridges are covered.
Oral Fertility drugs are covered.
Pharmacy Program Information
Pharmacy Clinical Management: Essential
Your plan features drug management programs and edits to ensure safe prescribing, and access to medications proven to be the most reliable and cost effective for
the medical condition, including:
Prior authorization requirements.
Quantity limits, including maximum daily dose edits, quantity over time edits, duration of therapy edits, and dose optimization edits
Age edits, and refill-too-soon edits
Plan exclusion edits
Your plan includes Specialty Drug Management features, such as prior authorization and quantity limits, to ensure the safe prescribing and access to
specialty medications.
For customers with complex conditions taking a specialty medication, we will offer Accredo Therapeutic Resource Centers (TRCs) to provide specialty
medication and condition counseling. For customers taking a specialty medication not dispensed by Accredo, Cigna experts will offer this important specialty
medication and condition counseling.
Patient Assurance Program Your plan includes the Patient Assurance Program which waives the deductible and reduces the amount you owe for certain
diabetic insulin medication. Any amount you pay for certain diabetic insulin medications only counts toward meeting your out-of-pocket maximum. Any discount
provided by a pharmaceutical manufacturer for certain diabetic insulin medications only counts toward meeting your out-of-pocket maximum.
Clinical Outcome Programs:
Your plan includes Narcotic Therapy Management to identify unusual medication use patterns and offers physicians a comprehensive view of your overall
treatment history.
Additional Information
Cigna Diabetes Prevention Program in collaboration with Omada
Cigna Diabetes Prevention Program in collaboration with Omada is a program to help you avoid the onset of diabetes, as well as health risks that might lead to heart
disease or a stroke. The program is covered by your health plan at the preventive level, just like for your wellness visit. Program participants have access to a
professional virtual health coach, an online support group, interactive lessons, and a smart-technology scale. The program will help you make small changes in your
eating, activity, sleep, and stress to achieve healthy weight loss through a series of 16 weekly lessons and tools to help you maintain weight loss over time. You will
also be offered the opportunity to join a gym for a low monthly fee and no enrollment fee.
Additional Information
Maximum Reimbursable Charge
The allowable covered expense for non-network services is based on the lesser of the health care professional's normal charge for a similar service or a percentage
of a fee schedule (150%) developed by Cigna that is based on a methodology similar to one used by Medicare to determine the allowable fee for the same or similar
service in a geographic area. In some cases, the Medicare based fee schedule will not be used and the maximum reimbursable charge for covered services is based
on the lesser of the health care professional's normal charge for a similar service or a percentile (80th) of charges made by health care professionals of such service
1/1/2020
or supply in the geographic area where it is received. If sufficient charge data is unavailable in the database for that geographic area to determine the Maximum
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Reimbursable Charge, then data in the database for similar services may be used. Out-of-network services are subject to a calendar year deductible and maximum
Health Savings
reimbursable Account
charge Open Access Plus - Edmund Optics, Inc. HSA
limitations.
Facets - 9237693Emergency
Out-of-Network - V 16 Services Charges 7 of 10 ©Cigna 2019
1. Emergency Services are covered at the In-Network cost-sharing level if services are received from a non-participating (Out-of-Network) provider.
2. The allowable amount used to determine the Plan's benefit payment for covered Emergency Services rendered in an Out-of-Network Hospital, or by an Out-of-
Network provider in an In-Network Hospital, is the amount agreed to by the Out-of-Network provider and Cigna, or if no amount is agreed to, the greater of the
following: (i) the median amount negotiated with In-Network providers for the Emergency Service, excluding any In-Network copay or coinsurance; (ii) the Maximum
Reimbursable Charge; or (iii) the amount payable under the Medicare program, not to exceed the provider's billed charges.
The member is responsible for applicable In-Network cost-sharing amounts (any deductible, copay or coinsurance). The member is also responsible for all charges
that may be made in excess of the allowable amount. If the Out-of-Network provider bills you for an amount higher than the amount you owe as indicated on the
Explanation of Benefits (EOB), contact Cigna Customer Service at the phone number on your ID card.
Medicare Coordination
In accordance with the Social Security Act of 1965, this plan will pay as the Secondary plan to Medicare Part A and B as follows:
(a) a former Employee such as a retiree, a former Disabled Employee, a former Employee's Dependent, or an Employee's Domestic Partner who is also eligible for
Medicare and whose insurance is continued for any reason as provided in this plan (including COBRA continuation);
(b) an Employee, a former Employee, an Employee’s Dependent, or former Employee’s Dependent, who is eligible for Medicare due to End Stage Renal Disease
after that person has been eligible for Medicare for 30 months.
When a person is eligible for Medicare A and B as described above, this plan will pay as the Secondary Plan to Medicare Part A and B regardless if the person is
actually enrolled in Medicare Part A and/or Part B and regardless if the person seeks care at a Medicare Provider or not for Medicare covered services.
One Guide
Available by phone or through myCigna mobile application. One Guide helps you navigate the health care system and make the most of your health benefits and
programs.
Complete Care Management
Pre-authorization is required on all inpatient admissions and selected outpatient procedures, diagnostic testing, and outpatient surgery. Network providers are
contractually obligated to perform pre-authorization on behalf of their customers. For an out-of-network provider, the customer is responsible for following the pre-
authorization procedures. If a customer does not follow requirements for obtaining pre-treatment authorization, the lesser of 50% of covered expenses or a $750
penalty will be applied.
Pre-Existing Condition Limitation (PCL) does not apply.
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HSA OAP MEDICAL PLAN
Coinsurance - After you've reached your deductible, you and your plan share some of your medical costs. The portion of covered expenses you are responsible for
is called Coinsurance.
Copay - A flat fee you pay for certain covered services such as doctor's visits or prescriptions.
Deductible - A flat dollar amount you must pay out of your own pocket before your plan begins to pay for covered services.
Out-of-Pocket Maximum - Specific limits for the total amount you will pay out of your own pocket before your plan coinsurance percentage no longer applies. Once
you meet these maximums, your plan then pays 100 percent of the "Maximum Reimbursable Charges" or negotiated fees for covered services.
Place of Service - Your plan pays based on where you receive services. For example, for hospital stays, your coverage is paid at the inpatient level.
Prescription Drug List - The list of prescription brand and generic drugs covered by your pharmacy plan.
Professional Services - Services performed by Surgeons, Assistant Surgeons, Hospital Based Physicians, Radiologists, Pathologists and Anesthesiologists
Transition of Care - Provides in-network health coverage to new customers when the customer's doctor is not part of the Cigna network and there are approved
clinical reasons why the customer should continue to see the same doctor.
Exclusions
What's Not Covered (This Is Not All Inclusive; check your plan documents for a complete list)
Services that aren't medically necessary
Experimental or investigational treatments, except for routine patient care costs related to qualified clinical trials as described in your plan document
Accidental injury that occurs while working for pay or profit
Sickness for which benefits are paid or payable under any workers' compensation or similar law
Services provided by government health plans
Cosmetic surgery, unless it corrects deformities resulting from illness, breast reconstruction surgery after a mastectomy, or congenital defects of a newborn
or adopted child or child placed for adoption
Dental treatments and implants
Custodial care
Surgical procedures for the improvement of vision that can be corrected through the use of glasses or contact lenses
Vision therapy or orthoptic treatment
Reversal of sterilization procedures
Nonprescription drugs or anti-obesity drugs
Gene manipulation therapy
Non-emergency services incurred outside the United States
Bariatric surgery
Treatment of TMJ disorders and craniofacial muscle disorders
These are only the highlights
This summary outlines the highlights of your plan. For a complete list of both covered and not covered services, including benefits required by your state, see your
employer's insurance certificate, service agreement or summary plan description -- the official plan documents. If there are any differences between this summary
and the plan documents, the information in the plan documents takes precedence.
All Cigna products and services are provided exclusively by or through operating subsidiaries of Cigna Corporation, including Cigna Health and Life Insurance
Company, Connecticut General Life Insurance Company, Cigna Behavioral Health, Inc., Cigna Health Management, Inc., and HMO or service company subsidiaries
of Cigna Health Corporation. The Cigna name, logo, and other Cigna marks are owned by Cigna Intellectual Property, Inc.
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HEALTH SAVINGS ACCOUNT
If you elect the HSA Open Access Plus Plan you will automatically deposit on a pre-tax basis. This money will be deducted from your
have access to a Health Savings Account (HSA). The money in your pay checks and deposited in your account on your behalf, along with
HSA can be used to pay medical expenses such as deductible, co- the Edmund Optics contribution. You must complete a Deferral
insurance, prescription costs, dental or vision expenses, and other Election form each year.
IRS-eligible expenses. You can also elect not to use the money in
your account now, but to save it for future medical expenses, like Edmund Optics’ contribution will be deposited incrementally
Medicare premiums or Medicare supplemental plan premiums, or for throughout the year, along with any deferral you may elect.
post-retirement medical expenses.
Please note: Once your deferral is made, it cannot be changed until the
For this year, Edmund Optics has elected to make contributions to next calendar year, unless you have a qualifying event.
the HSA on behalf of the employees who elect the HSA OAP Medi-
cal Plan. Company contribution amounts will be reviewed each year. Health Savings Accounts will be administered by a third party. As a new
enrollee, you will receive individualized mailings following Open Enrollment.
An HSA is a tax-advantaged savings account, meaning that you will
be able to defer pre-tax dollars, thus lowering your taxable income. You may not contribute to an HSA for any tax year you have
The funds in the HSA belong to you from the moment they are de- contributed to a traditional FSA.
posited—there is no “use it or lose it” rule.
Funds are available for use only as they are deposited.
During Open Enrollment, you decide how much money you want to
HSA PRE-TAX DEFERRAL
2020 MAXIMUM ALLOWABLE
EMPLOYEE $3,550
EMPLOYEE + CHILD $7,100
EMPLOYEE + SPOUSE $7,100
EMPLOYEE + CHILDREN $7,100
EMPLOYEE + FAMILY $7,100
* Employees 55 + are eligible for an additional $1,000 catch-up
CIGNA MEMBER SERVICES
Manages member inquiries on: http://hsabank.com/cigna/home
• Basic account and product function
•A ccount balances and activities such as withdrawals
and contributions Member Online Service Center:
• Investments (if applicable) www.mycigna.com
• Accessing and using the member Online Service Center
• Product education
All Cigna products and services are provided exclusively by or through operating subsidiaries of Cigna Corporation, including Cigna Health and Life
Insurance Company, Connecticut General Life Insurance Company, Cigna Behavioral Health, Inc., Cigna Health Management, Inc., and HMO or service
company subsidiaries of Cigna Health Corporation. The Cigna name, logo, and other Cigna marks are owned by Cigna Intellectual Property, Inc.
www. edm undoptics.com | 13OPEN ACCESS PLUS MEDICAL PLAN
(IN-NETWORK ONLY)
SUMMARY OF BENEFITS
Cigna Health and Life Insurance Co.
For - Edmund Optics, Inc.
Open Access Plus Plan
Effective - 01/01/2020
Selection of a Primary Care Provider - your plan may require or allow the designation of a primary care provider. You have the right to designate any primary care
provider who participates in the network and who is available to accept you or your family members. If your plan requires designation of a primary care provider,
Cigna may designate one for you until you make this designation. For information on how to select a primary care provider, and for a list of the participating primary
care providers, visit www.mycigna.com or contact customer service at the phone number listed on the back of your ID card. For children, you may designate a
pediatrician as the primary care provider.
Direct Access to Obstetricians and Gynecologists - You do not need prior authorization from the plan or from any other person (including a primary care provider)
in order to obtain access to obstetrical or gynecological care from a health care professional in our network who specializes in obstetrics or gynecology. The health
care professional, however, may be required to comply with certain procedures, including obtaining prior authorization for certain services, following a pre-approved
treatment plan, or procedures for making referrals. For a list of participating health care professionals who specialize in obstetrics or gynecology, visit
www.mycigna.com or contact customer service at the phone number listed on the back of your ID card.
Plan Highlights In-Network
Lifetime Maximum Unlimited
Your Plan’s Deductibles, Out-of-Pockets and benefit level limits accumulate on a
Plan Year Accumulation
calendar year basis unless otherwise stated
Plan Coinsurance Plan pays 100%
Individual: None
Plan Deductible
Family: None
Individual: $4,000
Plan Out-of-Pocket Maximum
Family: $8,000
All benefit copays/deductibles contribute towards your out-of-pocket maximum.
Covered expenses that count towards your out-of-pocket maximum include customer paid coinsurance and charges for Mental Health and Substance Use
Disorder.
After each eligible family member meets his or her individual out-of-pocket maximum, the plan will pay 100% of their covered expenses. Or, after the family
out-of-pocket maximum has been met, the plan will pay 100% of each eligible family member's covered expenses.
This plan includes a combined Medical/Pharmacy out-of-pocket maximum.
Benefit In-Network
Physician Services - Office Visits
Primary Care Physician (PCP) Services/Office Visit $20 copay, and plan pays 100%
Specialty Care Physician Services/Office Visit $40 copay, and plan pays 100%
Surgery Performed in Physician'sBenefit
Office Covered same as Physician ServicesIn-Network
- Office Visit
Cigna Telehealth Connection Services $20 copay, and plan pays 100%
Includes charges for the delivery of medical and health-related consultations via secure telecommunications technologies, telephones and internet only when
1/1/2020delivered by contracted medical telehealth providers (see details on myCigna.com)
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Preventive
Open Access Plus Care
- Edmund Optics, Inc. OAPIN
Preventive Care Office Visit Plan pays 100%
Preventive Services
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Includes preventive Mammograms, Papanicolaou (Pap), Prostate Specific Antigen (PSA) tests and colorectal screenings.
Diagnostic-related services are covered at the same level of benefits as other x-ray and lab services, based on place of service.
Immunizations Plan pays 100%
Inpatient
Inpatient Hospital Facility Services $250 per admission deductible, and plan pays 100%
Note: Includes all Lab and Radiology services, including Advanced Radiological Imaging as well as Medical Specialty Drugs
Inpatient Hospital Physician's Visit/Consultation Plan pays 100%
Inpatient Professional Services Plan pays 100%
For services performed by Surgeons, Radiologists, Pathologists and Anesthesiologists
Outpatient
Outpatient Facility Services
Non-surgical treatment procedures are not subject to the facility per visit $200 per facility visit deductible, and plan pays 100%
deductible.
Outpatient Professional Services Plan pays 100%
For services performed by Surgeons, Radiologists, Pathologists and Anesthesiologists
Emergency Services
Emergency Room
Includes ER Physician Charges, Lab and Radiology including
$100 copay, and plan pays 100%
Advanced Radiological Imaging (ARI)
Per visit copay is waived if admitted.
Urgent Care Facility
$40 copay, and plan pays 100%
Includes Physician Charges, Lab and Radiology
Ambulance Plan pays 100%
Ambulance services used as non-emergency transportation (e.g., transportation from hospital back home) generally are not covered.
Inpatient Services at Other Health Care Facilities
Skilled Nursing Facility, Rehabilitation Hospital, Sub-Acute Facilities
Plan pays 100%
Annual Limit: 100 days
Laboratory Services
Physician’s Services/Office Visit Covered same as Physician Services - Office Visit
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14 | 800. 3 6 3 . 1 9 9 2 Edmund Optics®You can also read
