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HomeMy WebLinkAboutCORRESPONDENCE - RFP - P928 CONSULTING SERVICES TO REVIEW MARKET ANALYSIS AND EMPLOYEE BENEFITS PRACTICES (2)City of Fort Collins Group Health Plan 1 POS Summary Plan Description, 1/1/04 SUMMARY PLAN DESCRIPTION CITY OF FORT COLLINS GROUP HEALTH PLAN POINT-OF-SERVICE PLANS POS 1 AND POS 2 EFFECTIVE DATE: JANUARY 1, 2004 City of Fort Collins Group Health Plan 2 POS Summary Plan Description, 1/1/04 CITY OF FORT COLLINS GROUP HEALTH PLAN POINT-OF-SERVICE (POS) PLANS: POS 1 and POS 2 SUMMARY PLAN DESCRIPTION TABLE OF CONTENTS SECTION PAGE Schedule of Benefits 3 Introduction 5 Eligibility 6 Enrollment 7 COBRA Continuation of Benefits 9 Family and Medical Leave Act (FMLA) 11 Newborns’ and Mothers’ Health Protection Act 12 Women’s Rights and Cancer Health Act 12 Coverage during Leave for Military Service 12 Cost Containment Features 12 Benefit Provisions 14 Covered Expenses 15 POS 1 – Covered Network Expenses 15 POS 1 – General Exclusions and Limitations 31 POS 2 - Covered Non-Network Expenses 34 POS 2 - General Exclusions and Limitations 44 General Limits 47 Maximum Benefits 47 How to Claim Benefits 47 Appeals 52 Definitions 52 Other Important Information 60 City of Fort Collins Group Health Plan 3 POS Summary Plan Description, 1/1/04 SCHEDULE OF BENEFITS City of Fort Collins Point of Service (POS) Options 1 and 2 POS 1 is an EPO/HMO Plan Design. POS 2 Network Benefits are paid as POS 1; Non-network benefits are paid by the Plan as a percentage of Reasonable and Customary (R&C) Rates. Obtain required precertifications to avoid benefit reductions POS 1 and POS 2 POS 2 Non-network Services Covered Service Network - YOU Pay After Deductible, Plan Pays Calendar Year Deductible None $200 individual; $400 family Annual Out-of-Pocket Max $2,500 individual; $5,000 family $2,500 individual; $5,000 family Physician Office Visit* $15/PCP visit; $30/specialist visit 70% R&C Preventive Care $15/visit 70% R&C Maternity Care (Physician) $100 70% R&C Allergy Testing/Treatment $15/PCP visit; $30/specialist visit 70% R&C Allergy Injections $10/visit if no physician seen 70% R&C Diagnostic X-Ray & Lab $15 70% R&C Infertility Services 50% Not covered Emergency Room $100/visit 50% R&C Emergency Services after $25/visit 50% R&C hours in a Physician’s Office or Urgent Care Ambulance $50/episode 70% R&C Hospital Inpatient $500/admission 70% R&C (50% without precertification) Hospital Outpatient (includes $100/visit 70% R&C (50% without precertification) ambulatory surgery) Physical/Occupational/ $15/visit; 20 visits/ 70% R&C to maximum $500 per type of Speech Therapy condition maximum therapy Mental Health** Inpatient $50/day to max 45 days/ 50% R&C to max 45 days/year, or 90 year. $25/partial day to partial days/year. Combined max not to max 90 partial days/year. exceed equivalent of 45 full days/year. Combined max not to $1,000/year maximum for inpatient exceed 45 full days/year. Physician charges. Precertification required. Outpatient None for visits 1-5; $30/visit 70% R&C to $1,000 maximum/year thereafter. Alcohol/Substance Abuse Inpatient $50/day to max 21 days/ 50% R&C to max 45 days/year. One year. One course of course of treatment/year; two courses treatment/year; two courses/ per lifetime. $1,000 max/year for in- lifetime. patient Physician charges. Precertification required. *OB/GYNs are considered Primary Care Physicians (PCPs). ** Coverage for biologically based mental illness is no less extensive than the Coverage for any other physical illness. City of Fort Collins Group Health Plan 4 POS Summary Plan Description, 1/1/04 POS 1 and POS 2 POS 2 Non-network Services Covered Service Network - YOU Pay After Deductible, Plan Pays Outpatient Substance/Alcohol None for visits 1-5; $30/visit 70% R&C to max $500/year Abuse thereafter. Skilled Nursing Facility None; maximum 120 days/ 70% R&C to max 30 days when year. preauthorized; 50% without precertification. Home Health Care None 70% R&C to max 60 days/year. Hospice Care None Inpatient: 100% R&C; 50% without precert- ification Outpatient: 70% R&C to max $55/day up to 270 days. Durable Medical Equipment None; max benefit $1,500/ 70% R&C to max $1,000/year, included (DME) year, including oxygen. Network maximum of $1,500/year. Chiropractic $15/visit to max 20 visits/year. Covered as Physical Therapy Prescription Drugs $8 for generic Applicable Network copay, plus 30% (30-day supply) $15 for preferred brand of remaining cost. $30 for non-preferred brand Mail Order provides a 3-month supply for 2 monthly copays. Maximum Benefit $2,000,000/person/lifetime. $1,000,000/person/lifetime, included This maximum includes any in the $2,000,000/person/lifetime benefits received from any maximum under POS 1 Network portion of the City of Fort benefits. Collins Health Plan, including the PPO Options. Retirees under age 65 Same benefits as active Same benefits as active Employees. Employees. Retirees over age 65 $100,000 annual maximum, $100,000 annual maximum, including including $5,000/year for $5,000 for prescription drugs. This prescription drugs. maximum includes any Network benefits received. Note: This summary is for illustrative purposes, and is not a substitute for the full Summary Plan Description. No Participant shall accrue any rights because of any statement in or omission from this summary. Different benefit maximums may be applied to POS 1 and POS 2 benefits. Be sure to use Network Providers to receive the highest level of covered benefits; otherwise, you may be responsible for excess benefit costs. Non-network charges exceeding R&C Limits are the responsibility of the Participant. Obtain required preauthorizations to avoid benefit reductions; call Great-West Health Care for details: 1-800-663-8081. Benefit provisions along with Employee cost sharing and contributions are subject to change. City of Fort Collins Group Health Plan 5 POS Summary Plan Description, 1/1/04 INTRODUCTION This Summary Plan Description (SPD) describes Point-of-Service (POS) benefits in effect January 1, 2003, and is an integral part of the formal health Plan Document. The City of Fort Collins Group Health Plan (Plan) is self-funded, which means that the City of Fort Collins (City) provides direct funding for claims payment and administrative costs. If during a Plan Year, an individual’s claims exceed $120,000 in eligible charges (this amount is subject to change), excess charges are paid through a separate stop-loss insurance contract. The Plan Supervisor is Great-West Health Care, which pays claims, manages the provider network through One Health Plan, performs utilization review/case management services and provides prescription drug benefits through Advance PCS, a Prescription Benefit Manager (PBM). This SPD describes the two Point-of-Service (POS) Plans provided through Great-West Health Care: POS 1 is an HMO-type plan that provides Coverage with fixed-dollar Copayments; however, you must select a Primary Care Physician (PCP) and use Network Providers; referrals to specialists are not required. Non-Network Providers are usually not covered, except under limited and extraordinary (e.g., emergency) circumstances. Some Network services require preauthorization by One Health Plan. POS 2 offers you the opportunity to use Network Providers like an HMO. You must select a PCP; however, you also have the freedom of choice to use non-Network Providers, subject to an annual Deductible and Coinsurance. Some non-Network services require preauthorization by One Health Plan. Network Providers agree to provide services for reduced fees; therefore, you generally save money when you use a Network Provider. Non-Network Providers do not enter into such agreements; therefore, your cost for using these providers may be higher. Nonetheless, the choice of provider is yours. Network Providers may elect to discontinue their participation in the network; therefore, you are responsible for verifying with your provider that he/she is a Network Provider. This is especially important now that referrals from PCPs to specialists are no longer required; be careful that your specialists are members of the Network. Using a non-Network Provider generally will result in you paying a larger portion of incurred charges. Only under rare circumstances, such as emergencies, can you receive Network benefits for non-Network charges. Non-Network Providers may apply for Network status directly with One Health Plan at www.onehealthplan.com. It is important to remember that not all Medically Necessary services prescribed by a Physician are Covered Services under the Plan. The decision to seek medical attention should not be based solely on available Plan Coverage. The use of certain Network and non-Network services may require preauthorization to avoid benefit reductions and additional cost to you. It is your responsibility to enroll for the Plan that best meets your needs and to understand the provisions of the Plan you select. Before a crisis situation arises, you and your enrolled Dependents should take time to read this SPD and become familiar with the terms, conditions and limitations of the Plan in order to avoid benefit reductions and additional cost to you. The Plan shall be administered in accordance with applicable governmental rules and regulations, and in a nondiscriminatory manner. In the event of a discrepancy between the Plan, this SPD and any applicable law, the applicable law shall govern. As Plan Sponsor, the City relies on guidance from the Plan Supervisor, which handles the daily administration of Plan provisions. The City has complete authority to establish standards of proof and to interpret the Plan as it pertains to any claim dispute. The decisions of the City or its designee are final and binding with regard to claims disputes. Funding The Plan is part of a cafeteria plan, as defined by Section 125 of the Internal Revenue Code. Funding is provided by Employer and Employee contributions. Payroll-deducted employee contributions are made on a pre-tax basis, which reduces your taxable income. Employee contribution amounts are subject to change. City of Fort Collins Group Health Plan 6 POS Summary Plan Description, 1/1/04 Plan Amendment/Termination Although the City intends to maintain the Plan indefinitely, the City reserves the right to amend or terminate the Plan in whole or in part at any time. This right of amendment/termination shall apply to all Participant groups, including Retirees. Significant changes to Plan provisions will be communicated usually during the annual Open Enrollment, and therefore may not appear in this SPD. You should retain those announcements for future use in conjunction with this SPD. Plan Document Shall Govern The information contained in this SPD is intended to be accurate and complete. However, the SPD is intended to be a summary. In the event that the Plan Document provides more comprehensive provisions that are not specifically addressed by the SPD, the Plan Document shall govern. The Plan Document is available for inspection at the Human Resources Office. To review the Plan Document, please call 970-221-6535 and schedule an appointment. ELIGIBILITY Who is eligible for Employee Coverage? Eligible full-time Employees are required to enroll for medical Coverage, unless they provide written proof that they are covered by another medical benefit plan. Employees of the City of Fort Collins, the Poudre Fire Authority, the Downtown Development Authority, or the Northern Front Range Transportation and Air Quality Planning Council who are regularly scheduled to work 20 hours or more per week in the following categories are eligible for Coverage: unclassified management, classified Employee, eligible contract Employee, eligible hourly Employee with benefits and Retiree. An eligible contract Employee is anyone whose specific employment contract states that he/she is eligible for City-sponsored medical insurance. Hourly Employees with benefits are eligible to enroll only for POS 1 Coverage; an hourly Employee with benefits is an Employees whose job code falls between 2000 and 2399 and who works on a scheduled basis at least 30 hours per week for 26 weeks or more in a 12-month period) An eligible Retiree is an Employee who retires after completing ten or more years of Covered Service with the City and is able to file for receipt of retirement benefits; at the time of retirement, the Retiree is given the option to elect COBRA Coverage or Retiree health insurance Coverage. Except for disabled Retirees, Retirees who elect COBRA upon retirement cannot enroll for Retiree Coverage after the COBRA benefit period expires. Who is eligible to be enrolled for Dependent Coverage? You may enroll your legal Spouse and eligible Dependent Children, as defined on page 54 of this booklet. No other persons are eligible for enrollment. Grandchildren, including children born to an enrolled Dependent Child of the Employee, are not eligible for Coverage, unless the Employee adopts or assumes legal guardianship of the grandchild. Proof of dependency status must be provided as required by the Plan. Divorced Spouses are not eligible for Coverage, but may be eligible for COBRA Continuation Coverage (see page 9). Charges incurred by a divorced Spouse will be the responsibility of the Employee, and future benefit payments could be withheld until inappropriately paid charges are recovered by the Plan. When are you eligible for Coverage? You are eligible for Coverage on the first day of the month following completion of 30 calendar days continuous service as an eligible Employee, unless your absence is due to a disability, illness or injury. Special rules apply to married staff members. If an Employee and Spouse are both eligible Employees, each Employee may enroll in the Plan option of his/her choice, or each may enroll as an Employee and as a Dependent. Dependent children will be enrolled primarily under the parent whose birthday falls earlier in the calendar year; however, they may be enrolled under both parents. Benefits will be coordinated in accordance with the rules for Coordination of Benefits on pages 50-51. City of Fort Collins Group Health Plan 7 POS Summary Plan Description, 1/1/04 ENROLLMENT When must enrollment be completed? Enrollment must be completed within 31 calendar days of the date you become eligible for Coverage. What if you miss your enrollment deadline? If you miss your enrollment deadline, you cannot enroll until the next following Open Enrollment Period, unless you experience an involuntary loss of other group Coverage or qualify for “Special Enrollment” as outlined in this section. Enrollment of Newborn Children Newborn children must be enrolled just like any other Dependent if claims are to be paid. Within thirty- one (31) calendar days from birth, call the Human Resources Department and provide the name, sex and birth date of the newborn child. Newborns are covered automatically for the first thirty-one (31) calendar days of life. If enrollment of the newborn will result in additional premium (for example, if you are changing from Employee + Spouse to Employee + Family Coverage), the newborn must be enrolled within the first thirty-one (31) calendar days following birth for Coverage to continue past the first thirty- one (31) calendar days. If such enrollment is not completed as required, Coverage will cease at the end of the thirty-first day, and the newborn will not be able to be enrolled until the next Open Enrollment. Involuntary loss of other group coverage can occur for a variety of reasons; for example, if: you were covered under your Spouse’s plan and that coverage ends due to your Spouse’s termination of employment, layoff or reduction in hours; you get divorced and are no longer eligible for coverage as your Spouse’s Dependent; your Spouse dies or your Spouse’s employer terminates its plan. If you experience an involuntary loss of other group coverage, you may enroll for Coverage through the City during the first 31 days following the loss of coverage. Simply provide a statement from your former plan listing the people who were covered and the date coverage ended. After expiration of the 31-day period, you may not enroll until the next open enrollment. Special enrollment is permitted for Employees or Dependents who originally declined Coverage if they: 1. had other coverage, which they later lost because of separation/divorce, termination of employment or reduction in the hours of the Employee or of his/her Spouse, death or the cessation of contributions for their coverage by another employer (unless it was for cause or failure to pay Employee contributions on time), or 2. were on COBRA continuation of benefits coverage, but their COBRA eligibility has expired, or 3. did not initially enroll and later gains a new Dependent as a result of marriage, birth, adoption or placement for adoption, in which case the Employee is entitled to special enrollment along with the Dependent(s), including the new child. A person eligible for special enrollment has thirty-one (31) calendar days from the date of the occurrence of the above listed events to enroll, and shall become a Participant on the first day of the month following receipt of the properly completed enrollment form, except that in the event of special enrollment as the result of birth, adoption or placement for adoption of a child, the person enrolling shall become a Participant upon the date of birth or placement for adoption of the child. How is enrollment completed? At your benefits orientation, you received a packet of forms and information describing the available benefit options. After you have reviewed the benefit information and you have determined which Plans are best suited to you and your family, complete the appropriate enrollment application, and return the completed form to Human Resources. You should confirm your enrollment by referring to the entries on your pay stub. If these entries do not appear on your pay stub on or after your enrollment date, you City of Fort Collins Group Health Plan 8 POS Summary Plan Description, 1/1/04 should contact Human Resources immediately. Remember: enrollment must be completed within 31 calendar days of the date on which you first become eligible. When does Coverage begin? For new eligible Employees, Coverage begins on the first day of the month following the completion of thirty (30) consecutive days of service, unless your absence is due to a disability, illness or injury. Of course, enrollment must be completed within thirty-one (31) days of the initial eligibility date. For example, if your first day of employment is March 15 and you enroll for Coverage during the initial eligibility period, your Coverage will go into effect on May 1. Enrollment conducted during the annual Open Enrollment Period is effective on the first day of the following Plan Year, which begins January 1. Dependent Coverage begins the same day that your Coverage begins. In the event that you acquire an eligible Dependent after you have already enrolled, those Dependents must be enrolled within thirty-one (31) days of their initial eligibility date. Newborns are eligible for Coverage from date of birth; children placed for adoption are eligible from date of placement; and children for whom you acquire the legal responsibility to provide Coverage are eligible from the date stipulated by Qualified Medical Child Support Order. Please Remember: Be sure to contact Human Resources whenever you acquire a new Dependent you wish to enroll for Coverage. Otherwise, Coverage could be delayed until the next Open Enrollment. Changing Your Coverage Generally, your group health plan choices must stay in effect from the date your elections take effect until the end of the Plan Year on December 31. However, if you experience a qualifying change in status during the year, you may add or drop Coverage within 31 days from the date the event occurs. For example, if you get married on June 13 and you wish to enroll your Spouse for Coverage, your Spouse is eligible for Coverage on June 13, and must be enrolled within 31 days of your date of marriage. If you have a child, the child must be enrolled within 31 days of birth. If you do not register your change within the thirty-one (31) day period, you must wait until the next open enrollment to make that change, except in the case of special enrollment (see page 7). Qualifying changes in status include changes in your:  legal marital status – an event that changes your legal marital status, including marriage, divorce, annulment or death of a Spouse;  number of Dependents – an event that changes the number of your eligible Dependents, including birth, death, adoption or placement for adoption, or a child reaching maximum age or losing student status;  employment status - termination of employment, commencement of/return from unpaid leave of absence, or any other change in the employment status of you, your Spouse or Dependent that affects an individual’s eligibility for Coverage under a Plan;  residence - a change in your residence or the residence of your Spouse or Dependent that impacts plan eligibility. It is important to remember that such qualifying changes do not automatically enable you to change your enrollment option(s); rather, the change in status must cause you, your Spouse or a Dependent to lose or gain Coverage under this plan, or under the plan of your Spouse’s or Dependent’s employer. In addition, your election must be on account of and correspond with the change in status. For example, if you get married you may enroll your new Spouse for Coverage, but you may not change plans. City of Fort Collins Group Health Plan 9 POS Summary Plan Description, 1/1/04 In addition, an annual Open Enrollment period is held, usually during late October and early November. During this time, you may change your Coverage to another plan offered by the City or terminate your Coverage. Information is distributed to each department. Retired and COBRA Participants may also change Coverage during the annual open enrollment; however, a Retiree who elects Option 1 at retirement may not switch Coverage later to another option. When does Coverage end? Coverage ends on the last day of the month in which you terminate employment or you elect to terminate Coverage due to a qualified change in family status. For a Dependent, Coverage ends on the last day of the month in which the Dependent ceases to be eligible for participation under the Plan. For example, if a Dependent child attains age 19 on March 15 and is not a full-time student at an accredited institution, the child’s Coverage ends March 31. Participants who cease to be eligible for Coverage may be eligible for COBRA continuation of benefits. See the COBRA section below. Coverage for a divorced Spouse ends on the last day of the month in which the divorce becomes final. No charges incurred by a divorced Spouse or other Dependent after the Coverage termination date will be reimbursed by the Plan, and will be the responsibility of the Employee. If benefits are paid improperly on behalf of an ineligible Dependent, the Plan retains the right to suspend benefits until those improperly paid benefits are recovered. Divorced Spouses may be eligible for COBRA continuation of benefits Coverage. Please see the next section for more information about this continuation of benefits provision. COBRA CONTINUATION OF BENEFITS This notice contains important information about your right to COBRA Continuation Coverage, which is a temporary extension of Coverage under the Plan. The right to COBRA Continuation Coverage was created by a federal law, the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA). COBRA Continuation Coverage can become available to you and to other members of your family who are covered under the Plan when you would otherwise lose your group health Coverage. This notice generally explains COBRA Continuation Coverage, when it may become available to you and your family, and what you need to do to protect the right to receive it. Additional information is available from the Plan Administrator. The Plan Administrator is the City’s Benefits Administrator, Human Resources Department, City of Fort Collins, PO Box 580, Fort Collins, Colorado 80522-0580, telephone (970) 221-6535. The Plan Administrator is responsible for administering COBRA Continuation Coverage. COBRA Continuation Coverage COBRA Continuation Coverage is a continuation of Plan Coverage when Coverage would otherwise end because of a life event known as a “Qualifying Event.” Specific Qualifying Events are listed later in this notice. COBRA Continuation Coverage must be offered to each person who is a “Qualified Beneficiary.” A Qualified Beneficiary is someone who will lose Coverage under the Plan because of a Qualifying Event. Depending on the type of Qualifying Event, Employees, Spouses of Employees and Dependent children of Employees may be qualified beneficiaries. Under the Plan, qualified beneficiaries who elect COBRA must pay for COBRA Continuation Coverage. If you are an Employee, you will become a Qualified Beneficiary if you will lose your Coverage under the Plan because either one of the following Qualifying Events happens: 1. your hours of employment are reduced, or City of Fort Collins Group Health Plan 10 POS Summary Plan Description, 1/1/04 2. your employment ends for any other reason than your gross misconduct. If you are the Spouse of an Employee, you will become a Qualified Beneficiary if you will lose your Coverage under the Plan because any of the following Qualifying Events happens: 1. your Spouse dies; 2. your Spouse’s hours of employment are reduced; 3. your Spouse’s employment ends for any reason other than his or her gross misconduct; 4. your Spouse becomes enrolled in Medicare (Part A, Part B, or both); or 5. you become legally divorced or legally separated from your Spouse. Your Dependent children will become qualified beneficiaries if they will lose Coverage under the Plan because any of the Qualifying Events happens: 1. the parent-Employee dies; 2. the parent-Employee’s hours of employment are reduced; 3. the parent-Employee’s employment ends for any other reason than his or her gross misconduct; 4. the parent-Employee becomes enrolled in Medicare (Part A, Part B, or both); 5. the parents become divorced or legally separated; or 6. the child stops being eligible for Coverage under the plan as a “Dependent child.” Sometimes, filing a proceeding in bankruptcy under title 11 of the United States Code can be a Qualifying Event. If a proceeding in bankruptcy is filed with respect to The City of Fort Collins and that bankruptcy results in the loss of Coverage of any retired Employee covered under the Plan, the retired Employee is a Qualified Beneficiary with respect to the bankruptcy. The retired Employee’s Spouse, surviving Spouse, and Dependent children will also be qualified beneficiaries if bankruptcy results in the loss of their Coverage under the Plan. The Plan will offer COBRA Continuation Coverage to qualified beneficiaries only after the Plan Administrator has been notified that a Qualifying Event has occurred. When the Qualifying Event is the end of employment or reduction of hours of employment, death of the Employee, commencement of a proceeding in bankruptcy with respect to the Employer, or enrollment of the Employee in Medicare (Part A, Part B or both), the Employer must notify the Plan Administrator of the Qualifying Event within 30 days following the date Coverage ends. For the other Qualifying Events (divorce or legal separation of the Employee and Spouse or a Dependent child’s losing eligibility for Coverage as a Dependent child), you must notify the Plan Administrator within 60 days after the Qualifying Event. You must send this notice to Ms. Gwen Feit, Benefits Technician, in the Human Resources Department. Additional documentation or information may be required, depending on the Qualifying Event. Once the Plan Administrator receives notice that a Qualifying Event has occurred, COBRA Continuation Coverage will be offered to each of the qualified beneficiaries. For each Qualified Beneficiary who elects COBRA Continuation Coverage, COBRA Continuation Coverage will begin on the date the Plan Coverage would otherwise have been lost. COBRA Continuation Coverage is a temporary continuation of Coverage. When the Qualifying Event is the death of the Employee, enrollment of the Employee in Medicare (Part A, Part B or both), your divorce or legal separation or a Dependent child losing eligibility as a Dependent child, COBRA Continuation Coverage lasts for up to 36 months. When the Qualifying Event is the end of employment or reduction of the Employee’s hours of employment, COBRA continuation lasts for up to 18 months. There are two ways in which this 18-month period of COBRA Continuation Coverage can be extended. City of Fort Collins Group Health Plan 11 POS Summary Plan Description, 1/1/04 Disability extension of 18-month period of Continuation Coverage. If you or anyone in your family covered under the Plan is determined by the Social Security Administration to be disabled at any time during the first 60 days of COBRA Continuation Coverage and you notify the Plan Administrator in a timely fashion, you and your entire family can receive up to an additional 11 months of COBRA Continuation Coverage, for a total of 29 months. You must make sure that the Plan Administrator is notified of the Social Security Administration’s determination within 60 days of the date of determination and before the end of the 18-month period of COBRA Continuation Coverage. This notice should be sent to Ms. Gwen Feit, Benefits Technician, Human Resources Department. You will need to provide a copy of the Social Security Administration’s written notice of determination. Second Qualifying Event extension of 18-month period of Continuation Coverage If your family experiences another Qualifying Event while receiving COBRA Continuation Coverage, the Spouse and Dependent children in your family can get additional months of COBRA Continuation Coverage, up to a maximum of 36 months. This extension is available to the Spouse and Dependent children if the former Employee dies, enrolls in Medicare (Part A, Part B or both), or gets divorced or legally separated. The extension is also available to a Dependent child when that child stops being eligible under the Plan as a Dependent child. In all of these cases, you must make sure that the Plan Administrator is notified of the second Qualifying Event within 60 days of the second Qualifying Event. This notice must be sent to: Ms. Gwen Feit, Benefits Technician, Human Resources Department. Additional information and documentation may be required, depending on the nature of the Qualifying Event. If You Have Questions If you have questions about your COBRA Continuation Coverage, you should contact Ms. Gwen Feit, Benefits Technician, Human Resources Department; or you may contact the nearest Regional or District Office of the U.S. Department of Labor’s Employee Benefits Security Administration (EBSA). Addresses and phone numbers of Regional and District EBSA Offices are available through EBSA’s web site at www.dol.gov/ebsa. Keep Your Plan Informed of Address Changes In order to protect your family’s rights, you should keep the Plan Administrator informed of any changes in the addresses of family members. You should also keep a copy for your records of any notices you send to the Plan Administrator. FAMILY AND MEDICAL LEAVE ACT (FMLA) If you are on a leave of absence that qualifies under the provisions of FMLA, you will remain eligible for plan benefits during your leave of up to 12 weeks. However, during FMLA leave, you must continue to pay the premiums you paid (if any) before your leave began. If you are on a paid leave that runs concurrently with your FMLA leave, your premiums will continue to be deducted from your paycheck. If you are on an unpaid FMLA leave, you need to make arrangements with Human Resources for the payment of your required premium. Premium payment is due on the first day of each month of Coverage. If premiums are not paid within 30 days of the due date, Coverage will be terminated retroactively to the end of the month in which premiums were paid last. Coverage will be reinstated upon your return from leave without a waiting period, but no Coverage is provided for the period you failed to pay required premiums. City of Fort Collins Group Health Plan 12 POS Summary Plan Description, 1/1/04 If you elect not to return to work at the end of your FMLA leave, you must repay to the City the premiums paid on your behalf during your leave, unless you cannot return due to circumstances beyond your control. If you elect not to return to work at the end of your FMLA leave, you may elect COBRA continuation of benefits as described previously. Your benefit continuation period begins at the time you inform the City of your decision not to return to work. NEWBORNS’ AND MOTHERS’ HEALTH PROTECTION ACT Under federal law, the Plan may not restrict benefits for any length of stay in connection with childbirth for the mother or newborn child to less than 48 hours following a normal vaginal delivery, or less than 96 hours following a caesarian section. Also, the Plan may not require that a provider obtain authorization from the Plan for prescribing a length of stay not in excess of the stipulated periods. In addition, the Plan is prohibited under federal law from requiring a health care provider to obtain authorization from the Plan in order to prescribe a length of stay not in excess of 48 hours (or 96 hours). However, federal law does not prohibit the mother’s or newborn’s attending provider, after consulting with the mother, from discharging the mother or her newborn child earlier than 48 hours (or 96 hours, if applicable). For additional information, call the Benefits Administrator at (970) 221-6535. WOMEN’S RIGHTS AND CANCER HEALTH ACT In accordance with this federal law, the Plan shall provide benefits for Reconstructive Surgery following a mastectomy, surgery and reconstruction of the other breast to produce a symmetrical appearance, and prostheses and physical complications of all stages of mastectomy, including lymphedemas. For additional information, contact the Benefits Administrator at (970) 221-6535. COVERAGE DURING LEAVE FOR MILITARY SERVICE If you enter the Uniformed Services as defined by the Uniformed Services Employment and Reemployment Rights Act (USERRA) of 1994, your Coverage under the Plan shall be continued for up to 30 days. If you enter service with the Uniformed Services for more than 30 days, Coverage under the Plan shall terminate, and you will be entitled to elect COBRA continuation of Coverage. When you are discharged from the Uniformed Services, your Coverage under the Plan will be reinstated immediately upon your return to work with the City, provided you return to work within certain time periods. If your period of service was between thirty and 180 days, you must return to work with the City within 14 days of your discharge in order for your Coverage to be reinstated immediately upon return to work. If your period of service was more than 180 days, you must return to work with the City within 90 days of your discharge in order for your Coverage to be reinstated immediately upon your return to work. If the former active Employee is hospitalized for or convalescing from any illness or injury caused by active duty, the time Limits to submit the application for reemployment are extended to the end of the period necessary to recover and in no case beyond two (2) years. COST CONTAINMENT FEATURES To help maintain a cost-effective benefit program that will continue to meet our health care needs, the Plan uses several cost containment techniques. Failure to comply with the Plan’s cost containment requirements could result in additional cost to you. These cost containment features include: City of Fort Collins Group Health Plan 13 POS Summary Plan Description, 1/1/04  the One Health Plan provider network  pre-admission certification program  utilization review/case management  prescription benefit management The One Health Plan Network enables the Plan to contract with certain providers for negotiated fees that are generally lower than fees in the open market. The Plan utilizes the One Health Plan Managed Care Provider Network. Call your provider directly to determine whether he/she is a Network Provider. The One Health Plan Directory is always subject to change, and may not reflect the most current information. You may access a directory at the One Health Plan website: www.onehealthplan.com. POS 1 Participants must use Network Providers. POS 2 Participants may use Network Providers for the same Copayments, but they may also use non-Network Providers and pay a generally higher portion of costs. The Hospital Pre-Admission Certification Program requires each inpatient Hospital stay (Network or non-network) to be precertified by your Network Physician before you go to the Hospital. You are responsible for non-Network precertifications. One Health Plan administers this program.  Non-emergency Hospital Admissions When your Physician recommends an inpatient Hospital stay, you should call One Health Plan at 1-800-663-8081 to verify precertification. Be prepared to identify yourself as a Participant in the City of Fort Collins Group Health Plan # 359613, and provide your name and the Employee’s Social Security number. If the hospitalization is for a covered Dependent, provide the Dependent’s name and date of birth. You also need to provide the name of your attending Physician, the name of the Hospital, and the date and reason for the proposed hospitalization. One Health Plan will discuss the proposed hospitalization with your Physician and, if possible, recommend appropriate cost-effective alternatives, such as outpatient surgery.  Emergency Admissions In case of an emergency, obtain the care you need immediately. If you are admitted overnight, call One Health Plan within 48 hours (72 hours if you are admitted on a weekend). If you are unable to make the call yourself, have a family member or friend call on your behalf. Please familiarize your family members or a friend with this requirement so that you can avoid a reduction in benefits. Utilization Review seeks to provide the proper level of Medically Necessary care appropriate to a patient’s condition; if warranted, adjustments to the treatment plan can be made. The Plan uses several utilization review techniques:  Continued Stay Review If your stay is expected to last longer than the approved period, call One Health Plan to request an extension. One Health Plan in consultation with your Physician may authorize additional days that are necessary because of your condition.  Medical Case Management When One Health Plan is notified of an admission for a serious illness or injury, they assign a medical case manager to monitor your treatment. The medical case manager is usually a Registered Nurse. Case managers work with the Physician and the patient’s family to see that quality care and appropriate treatment are received. Case managers may also recommend alternative forms of appropriate treatment.  Maternity Admissions and Care Remember to confirm with One Health Plan that your maternity admission has been precertified properly. Prescription Benefit Management To help contain the cost of prescription drugs, Great-West Health Care utilizes a Prescription Benefit Manager (PBM) called Advance PCS.  One of the services Advance PCS provides is called “preferred drugs”; with this program, Advance PCS suggests to Physicians the use of lower cost medications that might be appropriate for your treatment. This program suggests but does not require the use of lower cost medications. City of Fort Collins Group Health Plan 14 POS Summary Plan Description, 1/1/04  When you purchase medications from a Network pharmacy, use your plan identification card for quick service.  For maintenance medications, a lower cost mail order prescription program is also available (see page 23). Questions about prescription drugs should be addressed to One Health Plan at 1-800-663- 8081. BENEFIT PROVISIONS The Plan offers you two POS benefit plan options from which to choose. POS 1 is a self-funded HMO; you must select a Primary Care Physician (PCP), obtain and use Network Providers; referrals to specialists are not required. POS 1 requires that you make fixed-dollar Copayments at the time services are provided. Remember, POS 1 is a self-funded HMO. The annual out-of-pocket maximum you will pay under POS 1 is $2,500 per individual and $5,000 per family; however, it would be unusual for anyone to reach the out-of-pocket maximum under POS 1 due to the low Copayment requirements. To avoid unnecessary charges, it is your responsibility to confirm with each of your providers that he/she is a Network Provider. If you accidentally receive services from a non-Network Provider, the fact that you did not know the provider’s status does not relieve you of your responsibility to pay additional charges. POS 2 is a self-funded Point-of-Service (POS) Plan. You must choose a PCP, and if you elect to follow the requirements of POS 1 you will make the same Copayments as POS 1. There are certain restrictions in using non-Network Providers; call One Health Plan for details. However, if you elect not to follow the requirements of POS 1, your benefits will be subject to an individual annual Deductible of $200 ($400 per family), after which benefits are paid at 70% of the Reasonable and Customary (R&C) Charge for the area in which services are rendered. You are responsible for confirming whether or not a provider is a Network Provider. Using a non-Network Provider will generally result in larger charges to you. Charges in excess of R&C Limits are your responsibility.  Deductible charges under POS 2 are paid on a calendar year basis, and apply to eligible non- network covered expenses. If you incur any Deductible charges during the last three months of a Plan Year, those charges will also be applied to your Deductible requirement for the following Plan Year. If more than one covered family member is injured during a common Accident, only one Deductible will need to be met for medical expenses related to that Accident. Amounts you pay for ineligible charges (including charges in excess of R&C Limits) are not applied toward meeting your Deductible requirement or any out-of-pocket maximum.  Coinsurance is the percentage of covered charges you pay after satisfying your Deductible. Coinsurance payments for non-Network Provider services are different from fixed-dollar Copayments for Network Provider services. If you use a Non-Network Provider, the Plan pays 70% of R&C charges and you pay the remaining 30% of R&C charges, plus any charges in excess of R&C levels. Charges in excess of R&C amounts are not covered by the Plan; therefore they are not applied toward your Deductible or out-of-pocket maximum amounts.  The Annual Out-of-Pocket Maximum is the most you will pay for eligible charges during a Plan Year, and is comprised of your Deductible plus your Coinsurance payments. Once you satisfy the out-of-pocket maximum of $2,500 per person or $5,000 per family, the Plan will pay 100% of excess eligible R&C charges for the balance of the Plan Year. Amounts paid for any charges not covered by the Plan or costs exceeding specific benefit maximums do not apply to the Out-of-Pocket Maximum.  Benefit Maximum For active Participants and Retiree Participants not eligible for Medicare, the Plan will pay up to $2,000,000 in covered Network charges for you and each of your eligible covered Dependents. For retired Participants eligible for Medicare, the Plan will pay up to $100,000 in covered charges per calendar year, including $5,000 per year in prescription drug charges, up to the City of Fort Collins Group Health Plan 15 POS Summary Plan Description, 1/1/04 $2,000,000 Network maximum. The benefit maximum for all Participants applies to all periods of Coverage under the Plan, including the PPO Options and any non-Network charges. Non-Network charges are paid up to $1,000,000, which is included in the aggregate $2,000,000 maximum benefit. COVERED EXPENSES The Plan covers a wide variety of Medically Necessary services that are prescribed by a Physician. However, not all services are covered even if they are determined Medically Necessary and prescribed by your Physician. Your decision to seek and obtain medical care should not be determined solely by the availability of insurance Coverage. In addition, the Plan reimburses only for eligible Covered Services. Payment for non-Network Provider services under POS 2 is limited by Reasonable and Customary (R&C) amounts; charges over and above R&C Limits are your responsibility. References to maximum benefits include benefits received at any time of participation under any Plan option, including the PPO Options. Refer to the Schedule of Benefits (pages 3-4) for benefit payment amounts. There are no pre-existing condition Exclusions or limitations under either POS 1 or POS 2. Nonetheless, we are required to provide the following information. The Health Insurance Portability and Accountability Act (HIPAA) places Limits on pre-existing condition limitations. If you and your eligible Dependents had creditable under another plan and did not experience a break in coverage, that period of prior coverage is counted toward meeting a pre-existing condition limitation. For HIPAA purposes, a break in coverage is defined as a period of 63 days or more without health coverage. To use Creditable Coverage toward meeting your pre-existing condition limitation, you must present a Certificate of Creditable Coverage, which you obtain from your prior Employer or health plan provider. Work related illness and injury Work related illness or injury are not covered by the Plan if: the Participant fails to file a Workers’ Compensation claim within the filing period allowed by the law; the Participant obtains care which is not authorized by Workers’ Compensation; the Participant obtains care from a provider not authorized by the Employer; the Employer fails to carry the required Workers’ Compensation insurance, in which case the Employer becomes liable for any work-related illness or injury expenses; the Participant fails to comply with any other provisions of the law. Questions about Workers Compensation should be addressed to the Risk Management Department, at (970) 221-6708. The following services are covered by the Plan when Medically Necessary and prescribed by a Physician. The amount you will be required to pay may depend on whether you are enrolled for POS 1 or POS 2. You are responsible for determining whether or not your providers are Network Providers. POS 1 COVERED NETWORK SERVICES POS 1 requires the use of Network Providers, except under extraordinary circumstances, such as emergencies. Most services require that you pay a fixed-dollar amount to your Network Provider at the time service is rendered. Always verify with your provider that he/she participates in the One Health Plan Network. Otherwise, you may be responsible for all charges incurred through non-Network Providers. Remember: your Dependents must remember your Social Security Number in order to verify Coverage at a provider’s office. Referrals to specialists are no longer required. If a Covered Service is not available through a Network Provider, the Plan Supervisor’s Medical Director shall have the discretion to authorize the use of a non-Network Provider. In such a case, the non- Network Provider would be reimbursed at the contracted network fee and you would be responsible for your Copayment and charges that exceed the contracted network fee. Whether a Covered Service is available through a Network Provider shall be determined solely by the Plan Supervisor’s Medical Director. City of Fort Collins Group Health Plan 16 POS Summary Plan Description, 1/1/04 CLINICS Pain Clinics are covered for chronic conditions to a maximum benefit of $2,000 per person per lifetime. Pain centers, facilities, clinics, or centers involved in treatment of pain are not covered for inpatient care. Convenience items and meals are not covered. Pain centers, facilities, clinics, or centers involved in treatment of pain are not covered for inpatient care. Lymphadema Clinics are covered when necessary for the treatment of complications of breast cancer following mastectomy. Clinics not covered include special service clinics, centers, or programs on an inpatient or outpatient basis, unless they are specifically listed as covered. Clinics not covered include, but are not limited to, clinics, centers or programs for: disassociated disorders; eating disorders; headaches; lactation; long- term brain injury; post-traumatic stress; premenstrual syndrome (PMS); senior services; stress management. DIETARY AND DIABETES COUNSELING Diabetes Counseling, medication management, and self-management skills instruction is covered for Participants diagnosed with diabetes or those with special management needs. Dietary Counseling is covered for one session per Plan Year when regulation of the diet is a significant part of the treatment program for a pathological state or illness. Dietary counseling for obesity, including weight management programs, is not covered. DURABLE MEDICAL EQUIPMENT Durable Medical Equipment (DME) is covered based on medical criteria up to $1,500 per person per Plan Year. At the Plan’s discretion, equipment may be rented or purchased. Covered DME includes: Apnea monitors Bilirubin lights or blankets Bone stimulators Continuous passive motion machines (CPM) Eye prosthetics Feeding pumps Glucose monitors Hospital beds Insulin pump supplies (including cartridges, extension tubing, batteries, infusion sets, and customary dressings provided by the pump supplier to secure fusion sets Lymphadema pumps Nebulizers Oxygen and related equipment Positive airway pressure devices (C-PAP) (Bi-PAP) Peak flow meters Suction machines Traction equipment Ventilators Wheelchairs DME Limits: make sure that your Physician prescribes DME through a Network Provider. A list of Network DME Providers is available from One Health Plan.  $1,500 per Covered Person per year.  One glucose meter per Covered Person per lifetime.  One peak flow meter per Covered Person per lifetime. City of Fort Collins Group Health Plan 17 POS Summary Plan Description, 1/1/04  Preauthorized external extremity prosthetics up to $1,500 if the prosthesis will restore function to the extremity; applicable to the DME maximum. Coverage for prosthetic arms and legs is based on criteria and is not subject to the DME maximum of $1,500. However, the Covered Person is responsible for 20% of the eligible charge for these items.  Not covered: penile prostheses and prostheses for cosmetic purposes.  Insulin pumps are covered, based on medical criteria, and are not subject to the benefit maximum.  Authorization: DME, including oxygen, must be authorized for a specified period of time in advance and in writing by the Plan. The authorization will specify whether purchase or rental is approved. After the initial authorized period of Coverage, continuation is subject to written reauthorization in advance for another specified period.  Orthopedic Braces are covered up to $500 per person per year, when prescribed by Network Physician and obtained from a Network Provider. Fitting and adjustment of covered braces is provided. Repair or replacement of covered braces is provided, unless necessitated by misuse. The Plan may replace or repair a covered brace at its discretion. Each $1 paid for orthopedic braces shall reduce by $1 the amount available for podiatric shoe inserts as shown below. Covered braces must meet all of the following criteria:  they are required to support or correct a defect of form or function or a permanently non- functioning or malfunctioning body part, and  they are medically approved and in general use for the specific condition, and  they are primarily and customarily used either as an alternative to surgery or to speed recovery of a patient who has had surgery, and  they can withstand repeated use, and  they are not generally useful to a patient in the absence of an injury or illness.  Not Covered: dental braces, braces used as aids in sports and activities, corsets and other non- rigid appliances.  Podiatric Shoe Inserts for persons with diabetes with historical ulcers or presence of pre-ulcerous lesions and documented neuropathy. In addition, for Covered Persons with persistent plantar facitis, or when documented neuropathy who have documented failure of commercial over-the-counter inserts when used as a trial prior to, or in lieu of, surgery.  Benefits are limited to $500 per person per year. Each $1 paid for podiatric shoe inserts shall reduce by $1 the amount available for orthopedic braces, as shown above.  Not Covered: orthotic devices for podiatric use and arch support. EMERGENCY SERVICES Ambulance Service is covered when Medically Necessary, either by ground or air, and when the destination is an Acute Care facility.  Not covered: ambulance service provided due to the absence of another medically appropriate form of transportation or for the Covered Person’s convenience. Medical Emergencies Emergency Services are provided when necessary to screen and stabilize a Covered Person in cases where a prudent person acting reasonably believes that an Emergency Medical Condition exists. The Participant or a family member should notify the Participant’s PCP of the episode by the following business day. If the Participant is admitted to a Hospital as an inpatient directly from the emergency room, the emergency room Copayment is waived. City of Fort Collins Group Health Plan 18 POS Summary Plan Description, 1/1/04  Important Note: Emergency Services are NOT to be used for your convenience or the convenience of your Physician. Unauthorized use of an emergency facility will be reviewed by the Plan. Payment of claims may be denied, and those claims may become the Participant’s personal responsibility.  Not covered:  follow-up care in the emergency facility;  emergency visits made in non-life or limb threatening situations without the Participant’s PCP’s authorization, which will result in the Participant being liable for the entire charge for the visit and any unauthorized care resulting from it;  emergency room services obtained during normal Physician office hours, except in the event of a life or limb threatening emergency or when preauthorized the he Participant’s PCP. Medical Emergencies and Urgent Care Outside the Plan Network Ambulance for Medically Necessary air or ground ambulance service under emergency conditions arising from an Accident, acute illness or injury and when the destination is an Acute Care facility.  Medical Emergencies: Emergency Services necessary to screen and stabilize a Covered Person in cases when a prudent layperson acting responsibly, believes that an Emergency Medical Condition exists. Medically Necessary emergency or urgent care would include:  Reasonable charges for Hospital services that are Covered Services.  Reasonable charges for professional services that are Covered Services, including sales tax in states where such tax is allowed by law.  Ambulance service resulting from an Accident, Acute Condition, or injury.  Reasonable charges for transportation authorized by the Plan to return the Covered Person to a Network Hospital, less the cost of the person’s normal return trip.  There are two Copayment levels for Emergency Services:  the higher Copayment applies when Covered Services are obtained in a Hospital emergency room.  the lower Copayment applies when Covered Services are obtained in a Physician’s office outside normal business hours or in an urgent care facility.  If a Participant is admitted as an inpatient to a Hospital directly from the emergency room, the emergency Copayment is waived. The Plan must be notified within forty-eight (48) hours, or as soon as practical after the Hospital admission outside of the Plan Network.  Follow-up Care to Emergency Services outside of the Plan Network is covered to a maximum of $400 per Participant per Plan Year.  A claim paid and/or submitted by a Covered Person for a Covered Service must be submitted to the Plan within twelve (12) months after the date of the service, or reimbursement will not be made. Claims can be submitted by providing an itemized statement to the Plan’s administrative service provider at the address shown at the back of this booklet. EYE EXAMINATIONS/EYEGLASSES  Preventive Care: routine visual acuity exams are covered as part of covered periodic health appraisals.  Routine Examinations: are covered, including refractions to determine the prescription for corrective lenses, eyeglasses or contact lenses, once in every twelve (12) months at Plan designated facilities. City of Fort Collins Group Health Plan 19 POS Summary Plan Description, 1/1/04  Limit: one routine exam per Covered Person per year  Not Covered: fitting contact lenses, vision therapy, radial keratotomy, keratomileusis and excimer laser surgery.  Eyeglasses: when prescribed following cataract surgery with an intra ocular lens implant. Eyeglasses must be obtained through Network Providers providers.  Limits:  $125 per pair of eyeglasses  One (1) pair of eyeglasses per surgery  Two (2) pairs of eyeglasses per lifetime  Not Covered:  Eyeglasses or contact lenses other than following cataract surgery as described above.  Special treatment for eyeglasses, including, but not limited to, tinting and scratch resistant coatings. FAMILY PLANNING Voluntary family planning to include: family planning counseling; information on birth control; IUDs and implantable contraceptive devices, including their insertion and removal; diaphragms and cervical caps, including their fitting; costs related to two (2) elective abortions per lifetime; pre- and post-abortion counseling; surgical procedures causing permanent sterilization, including vasectomies and tubal ligations.  Not covered: pregnancy test kits and ovulation kits; reversal of voluntary sterilization and related procedures Infertility: limited infertility services to the extent preauthorized and based on criteria established by the Plan including testing artificial insemination, appropriate medical advice, and instruction in accordance with accepted medical practice.  Limits:  treatment for infertility is covered only for persons who have been diagnosed as biologically infertile in accordance with accepted medical practice;  twelve (12) artificial inseminations per pregnancy.  if after twelve (12) attempts, the Participant fails to become pregnant, no additional inseminations will be covered.  Not Covered:  In vitro fertilization (test tube babies), the Gamete Intrafallopian Transfer (G.I.F.T.) procedure, the Zygote Intrafallopian Transfer (Z.I.F.T.) procedure, Artificial Reproductive Technology (A.R.T.), other ovum transplant procedures, surrogate parentage, drug therapy for infertility and related costs of each.  Procedures considered to be experimental/investigational  The cost related to donor sperm and ova (collection, preparation, storage, etc.)  Infertility services for Covered Persons who have undergone a voluntary sterilization procedure. HEARING TESTS City of Fort Collins Group Health Plan 20 POS Summary Plan Description, 1/1/04 Preventive Care: examinations to determine the need, if any, for hearing correction are covered.  Not Covered: hearing aids and evaluation for hearing aids. HOME HEALTH CARE Nursing Care Services: Skilled Nursing Care at home, when prescribed by a Network Provider and deemed Medically Necessary for treatment of a covered illness or injury. Home Health Care services are provided only when and as long as the following two conditions are met simultaneously:  The Participant’s Network Provider prescribes a specific home care plan to provided and sets forth the length of time deemed Medically Necessary to complete the treatment plan. This plan must be approved in writing by the Plan and periodically reviewed and reauthorized by the Plan or an agent acting on the Plan’s behalf.  The services are provided by a Medicare certified home health agency selected or approved by the Plan.  Not covered: custodial and Maintenance Care; homemaker services. Periodic assessment visits by either a Physician or a licensed nurse to determine the patient’s condition, progress, and Level of Care needs.  Limit: After the period of specified time in the prescribed treatment plan, continuation of care depends on the Participant’s status for Medical Necessity. Therapy (Physical, Occupational, and/or Speech) are covered as part of Home Health Care only for treatment of Acute Conditions that are subject to significant improvement within two (2) months of when treatment begins and the Participant is homebound. Training for Home Care is provided on a one-time basis for a family member, household resident, or nonprofessional person employed by the patient or family. This training covers the services necessary to the custodial or maintenance levels of care. HOSPICE CARE Hospice Care is covered when provided under the direction of the Participant’s Primary Care Physician, who certifies that the Participant is in the terminal states of illness, with a life expectance of approximately six (6) months or less. The Physician mush submit a written plan of care. When preauthorized by the Plan Supervisor, services covered in home or Hospice facility include:  Nursing care provided by or under the supervision of a registered nurse  Home health aide services under the supervision of an RN or specialized rehabilitative therapist  Respiratory therapy and inhalation services  Nutrition counseling by a nutritionist or dietician  Physical therapy, occupational therapy, speech therapy and audiology  Individual, family, and caregiver counseling  Medical social services  Bereavement support services for the Participant’s family  Continuous home care or short-term inpatient care provided in a Network hospice inpatient unit, , or Skilled Nursing Facility as required for pain control or symptom management  Inpatient Hospice Care will be provided based on medical criteria established by the Plan  Medical supplies ordinarily furnished by the Hospice agency, including prescription drugs and biologicals City of Fort Collins Group Health Plan 21 POS Summary Plan Description, 1/1/04  Respite Care, up to five (5) continuous days per occurrence Coverage of these services will not prevent the Plan from reevaluating the Participant’s status and subsequently redetermining the status of care. Not Covered:  Services and supplies related to the terminal condition that are not part of Hospice Care  Services of a caregiver other than as provided by the Hospice agency as part of this benefit, including, but not limited to, someone who lives in the Participant’s home or someone who is a relative of the Participant  Domestic or housekeeping services that are unrelated to the Participant’s care  Services that provide a protective environment where no professional skill is required, such as companionship or sitter services  Services not directly related to the medical care of the Participant, including but not limited to:  Estate planning, drafting of will, or other legal services  Funeral counseling or funeral arrangements or services  Food services, such as Meals on Wheels  Transportation services, except covered benefits for HOSPITAL CARE Covered Services include: semi-private room and board, Physician visits, surgeon’s fees, anesthesiologist’s fees, surgical assistant fees (when Medically Necessary), operating and recovery room charges, general nursing care, Intensive Care services, laboratory, pathology, radiology, radiation therapy, respiratory therapy, physical therapy, occupational therapy, speech therapy, oxygen and other gases, drugs, medications and biologicals as prescribed, and coordinated discharge planning services. Be sure that inpatient hospitalizations are precertified by One Health Plan. Not covered: take home drugs, special blood handling fees, storage of cord blood, experimental/ investigational or cosmetic implants, penile implants, Private Duty Nursing, personal comfort and convenience items (including, but not limited to, television, telephone, guest meals, articles for personal hygiene, etc.), private room except when Medically Necessary, take-home supplies. INJECTABLES - OUTPATIENT Outpatient injectables are covered when approved by the Food and Drug Administration (FDA) for the given diagnosis or protocol, when oral administration of prescribed medication is not medically appropriate. Services include administration, supplies and medical monitoring when administered in the Physician’s office or through an authorized home infusion company. Outpatient injectables that can be obtained by the Participant through a pharmacy, or can be self- administered, whether obtained at the pharmacy or not, must be preauthorized and are subject to the applicable Copayment. A Copayment will be collected for up to a 30-day supply of medications, course of therapy or treatment of an acute episode, whichever is shorter. No more than a thirty (30) day supply will be dispensed at one time. LABORATORY/PATHOLOGY Laboratory and pathology services, including preventive diagnostic services, are covered in accordance with criteria established by the Plan. City of Fort Collins Group Health Plan 22 POS Summary Plan Description, 1/1/04 MEDICAL FOODS Medical foods, for the purpose of this benefit, refer exclusively to prescription metabolic formulas and their modular counterparts, obtained through a pharmacy. Medical Foods are specifically designated and manufactured for the treatment of Inherited Enzymatic Disorders caused by Single Gene Defects. Coverage for Inherited Enzymatic Disorders caused by Single Gene Defects shall include, but not be limited to, the following diagnosed conditions: Phenylketonuria, Maternal Phenylketonuria, Maple Syrup Urine Disease, Tyrosinemia, Homocystinuria, Histidinemia, Urea Cycle Disorders, Hyperlysinemia, Glutaric Acidemias, Methylmalonic Acidemia, and Propionic Acidemia. Covered care and treatment of such conditions shall include, to the extent Medically Necessary, medical foods for home use for which a Network Physician has issued a written, oral or electronic prescription. The maximum age to receive this benefit for Phenylketonuria is twenty-one (21) years of age; except that the maximum age to receive this benefit for Phenylketonuria for women who are child-bearing age is thirty-five (35) years of age. Limit: Medical Foods will be subject to a 50% Copayment by the Participant. MENTAL HEALTH SERVICES A PCP referral is not required to obtain Medically Necessary mental health services; however, Covered Services must be provided by a Network Provider. Inpatient Mental Health Care: Medically Necessary inpatient mental health care is covered up to forty-five (45) days per Participant per Plan Year, or ninety (90) days of partial hospitalization per Participant per Plan Year. Partial hospitalization is defined as treatment for at least three (3) but not more than twelve (12) hours in a 24-hour period. For the purpose of computing the period for which benefits are payable, each two days of partial hospitalization care shall reduce by one day the forty-five days available for inpatient care, and each day of inpatient care shall reduce by two days the ninety days available for partial hospitalization care. Outpatient Mental Health Care: Medically Necessary outpatient mental health care is covered. The number of visits allowed and any Coverage of services necessary to fulfill the designated treatment program in addition to those services listed here are based on Medical Necessity as determined by the Network Provider. Biologically-Based Mental Illnesses: Care for schizophrenia, schizoafective disorder, bipolar affective disorder, major depressive disorder, specific obsessive-compulsive disorder, and panic disorder shall be covered as any other physical illness and shall not be subject to the limitations of Mental Health Services described below. Mental Health Services Not Covered: In addition to excluded Therapies/Rehabilitation services listed separately in this booklet, the following services are not covered by the Plan:  Confinement, treatment, service or supply that is not authorized, except in the event of an emergency.  Confinement, treatment, service or supply that is not ordinarily provided for the specific treatment which was authorized.  Confinement, treatment, service or supply obtained through or required by a governmental program.  Weight control programs and treatment for addictions to tobacco, nicotine or food.  Treatment or psychological testing for any reading or learning disorder, mental retardation, or other developmental disorders as defined by the Diagnostic and Statistical Manual Disorders-IV (DSM-IV). City of Fort Collins Group Health Plan 23 POS Summary Plan Description, 1/1/04  Counseling for adoption, custody, family planning or pregnancy in the absence of a DSM-IV diagnosis.  Counseling associated with or in preparation for a sex change operation.  Sexual therapy programs, including therapy for sexual addiction, the use of sexual surrogates and sexual treatment.  Vocational, pastoral or spiritual counseling.  Dance, poetry, music or art therapy, except as part of a treatment program in an inpatient setting.  Non-organic therapies including, but not limited to, bioenergetics therapy, confrontation therapy, crystal healing therapy, educational remediation, Eye Movement Desensitation Reprocessing, guided imagery, marathon therapy, primal therapy, rolfing, sensitivity training, training psychoanalysis, transcendental meditation and Z therapy.  Organic therapies including, but not limited to, aversion therapy, carbon dioxide therapy, environmental ecological treatment or remedies, herbal therapies, homodialysis for schizophrenia, vitamin or orthomolecular therapy, narcotherapy with LSD, and sedative action electrostimulation therapy.  Surgery or acupuncture as a mental health benefit.  Laboratory fees as mental health benefit for outpatient treatment plans.  Services which are not Medically Necessary for the treatment of mental health disorders.  Services that are required by a court order as part of parole or probation, or instead of incarceration which are not Medically Necessary.  Long-term insight-oriented psychotherapies that regress the Covered Person emotionally or behaviorally.  Personal enhancement, self actualization therapy or other similar treatment plans.  Services provided by a non licensed provider.  Neurological services and tests, including, but not limited to, EEGs, PET scans, beam scans, MRIs, skull x-rays and lumbar punctures. These services must be preauthorized by the PCP.  Treatments which do not meet the national standards for mental health professional practice.  Medical treatment for eating disorders.  Treatment sessions by telephone or computer Internet services.  Evaluation or treatment for education, professional training, employment investigations, fitness for duty evaluations or career counseling. OUTPATIENT PRESCRIPTION DRUGS Outpatient prescription drugs are covered for the Medically Necessary treatment of covered illness or injury. Benefits are based solely on whether the medication is generic, preferred brand or non-preferred brand. Therefore, if you need to take a non-preferred brand name medication because other medications are not effective, you will pay the non-preferred brand Copayment. The preferred brand list is subject to periodic review and may be changed in the future. Consequently, your future Copayments are also subject to change if a medication’s classification changes. Outpatient medications are dispensed for up to a 30-day supply; however, quantity limitations may be set as medically appropriate. The Plan reserves the right to require precertification or prior authorization in determining Medical Necessity. One Copayment is required for each prescription unit. Copayments for up to a 30-day supply are:  Generic: $ 8  Preferred Brand: $15  Non-Preferred Brand $30 The mail order program enables you to purchase a three-month supply of maintenance medications for two monthly Copayments. Maintenance medications are those medications that are taken for at least 90 days, and include, but are not limited to, medications treating such conditions as high blood pressure, City of Fort Collins Group Health Plan 24 POS Summary Plan Description, 1/1/04 high cholesterol, birth control, etc. To use the mail order program, complete the appropriate order form and attach your Physician’s 90-day prescription authorizing three refills. Eligible prescription drugs include:  drugs that can be dispensed only upon the written prescription of a Physician or other prescriber who is authorized to prescribe that drug under applicable State law;  compounded medication that is made up of at least one prescription drug  all compound drugs require preauthorization  diabetic supplies, insulin, glucagon kits and glucose testing strips  immunosupressants to prevent organ rejection  oral birth control medications, diaphragms, and cervical caps that require a Physician’s prescription by law. Medications/Refills – Other Quantities Prepackaged units such as tubes, vials and inhalers are dispensed for one (1) applicable Copayment per prepackaged unit at a Plan pharmacy; one (1) Copayment per two (2) prepackaged units of the same medication, including strength, through the mail-order pharmacy. Insulin is limited to two (2) vials of the same kind of insulin per applicable Copayment at a Plan pharmacy, or up to three (3) vials of the same kind of insulin per applicable Copayment through the mail-order pharmacy. Insulin syringes and needles, when used with covered insulin products, are limited to one (1) prepackaged unit for one (1) applicable Copayment at a Plan pharmacy, or two (2) prepackaged units through the mail-order pharmacy. Glucose and ketone test strips and lancets on the Preferred Drug List are dispensed in the manufacturer’s trade-size package and are subject to the applicable Copayment per trade-size package unit. Coverage of glucose and ketone test strips is limited to 200 strips per thirty (30) days. Coverage of lancets is limited to 200 units per thirty (30) days. Delivery Charge If the Plan pharmacy routinely charges all of its customers for delivery service, the Participant must pay the delivery charge in addition to the applicable Copayment. Prescription Drugs While Traveling If you are traveling away from home, experience an emergency situation and cannot use a Plan pharmacy, you may be able to obtain a seven (7) day supply of medication; antibiotics may be dispensed in up to a fourteen (14) day supply. However, you will need to make the normal applicable Copayment. Prescription medications already taken on a regular basis obtained while traveling will be covered only when filled and processed electronically at a Network pharmacy. You may obtain information on Network pharmacies outside of Colorado by contacting One Health Plan. PHYSICIAN SERVICES Physician Office visits are covered for the Medically Necessary treatment of non-work related illness or injury, periodic health appraisals, allergy treatments and materials, immunizations provided in accordance with recommendations by the American Academy of Pediatrics and the Centers for Disease Control immunization guidelines, immunizations recommended for travel by the Centers for Disease Control immunization guidelines, well-baby/well-child care, charges in connection with a second or third surgical opinion, and outpatient surgical procedures in the office or in a licensed outpatient surgical facility (including the Medically Necessary services of an anesthesiologist and/or surgical assistant).  Not Covered: City of Fort Collins Group Health Plan 25 POS Summary Plan Description, 1/1/04  Examinations for employment, licensing, insurance, adoption purposes or examination or treatment ordered by a court of law.  Expenses for medical reports, including preparation and presentation.  Expenses for examinations and treatment conducted for the purpose of medical research.  Immunizations that are recommended because of increased risk due to type of employment.  Charges for services not administered in accordance with established medical practice. PREGNANCY/MATERNITY/NEWBORN SERVICES Newborn: Hospital care and services for newborn infants of Participants is covered. No inpatient Copayment, if applicable, will apply to the newborn if he/she is discharged with the mother, if the mother is a Participant. However, any applicable inpatient Copayment will apply if the newborn remains hospitalized after the mother’s discharge, or if the mother is not covered under the Plan. Delivery: Hospital obstetrical delivery care and services are provided. Normal delivery is generally considered to be within five (5) weeks of the expected due date. Travel within five (5) weeks of the expected due date is discouraged, due to potential health hazards. If you do travel during this time and your child is born at a Hospital other than the Hospital at which the delivery is precertified (see page 13), delivery charges are not be covered. See page 12 for information on the Newborns’ and Mothers’ Health Protection Act. Separate copayments are required for Physician’s services and Hospital charges. Not covered:  home delivery  delivery at a Non-Network Hospital  charges incurred by a newborn child of a Dependent child  charges incurred if your child is delivered while you are travelling within five weeks of your due date POSTPARTUM Complete Hospital and outpatient postpartum care and services are provided to female Participants. The office visit Copayment applies to postpartum visits in the Physician’s office. Mothers and newborns released from the Hospital in accordance with Plan guidelines are entitled to one (1) visit by a registered nurse as well as the services of a homemaker for four (4) hours on two (2) days within thirty (30) days following delivery. The homemaker may perform such duties as grocery shopping, preparing meals, laundry and light housekeeping. PRENATAL SERVICES Prenatal care and services are provided for female Participants. If criteria established by the Plan Supervisor are met, Medically Necessary amniocentesis may also be covered. The Network Provider must request this procedure and provide necessary information to the Plan. Not covered:  any procedure intended solely for sex determination  birthing classes. RADIOLOGY Medically Necessary radiological services, such as electrocardiography (EKG), electroencephalography (EEG), and the use of radioactive isotopes, are covered for Participants. Preventive diagnostic services City of Fort Collins Group Health Plan 26 POS Summary Plan Description, 1/1/04 are also covered, in accordance with criteria established by the Plan Supervisor. This includes, but is not limited to, mammograms, chest x-rays, electrocardiograms and laboratory services. SKILLED NURSING FACILITY/COMPREHENSIVE REHABILITATION FACILITY/EXTENDED CARE Skilled Nursing Facility, extended care facility and comprehensive Rehabilitation Facility or unit services are covered only on order of the Network PCP when approved by the Plan and only when significant measurable improvement can be anticipated. Services include accommodations, meals, general nursing care, medical supplies and equipment ordinarily furnished by the facilities and all prescribed biologicals. Benefits are provided up to 120 days each Plan Year at approved facilities. The Participant’s status may also be reevaluated and, if it is determined that the status of the care is no longer acute, it may not be covered. Not covered:  Custodial Care, Maintenance Care  convalescent care  care for chronic conditions  Private Duty Nursing  personal comfort or convenience items (e.g., television, telephone, etc.)  private room (except when Medically Necessary). SUBACUTE CARE FACILITIES Subacute Care Facility services are covered following hospitalization, and include accommodations, meals, general nursing care, medical supplies and equipment ordinarily furnished by the facility and prescribed drugs and biologicals. Subacute Care Facility services are provided up to sixty (60) days per Plan Year at an approved Subacute Care Facility. SUBSTANCE ABUSE A PCP referral is not required to obtain mental health services, but all benefits must be referred by and be administered by a Network Provider. Alcohol-Drug Rehabilitation: Medically Necessary treatment may be either inpatient or outpatient or a combination of both if authorized by a Network mental health provider. Benefits are provided up to one course of treatment per Plan Year, to a maximum of two courses of treatment per Participant during his/her lifetime. Not covered:  rapid anesthesia opiate detoxification  services that are not Medically Necessary for the treatment of Substance Abuse disorders.  services that are required by a court order as part of parole or probation, or instead of incarceration, which are not Medically Necessary  Methadone maintenance or treatment Detoxification: services for detoxification are limited to removal of the toxic substance or substances from the system, including diagnosis, evaluation and care of emergency or acute medical conditions. Inpatient Alcohol-Drug Rehabilitation: alcohol-drug inpatient rehabilitation services are provided at a facility designated by the Plan. Inpatient services are those services provided to Participants who reside City of Fort Collins Group Health Plan 27 POS Summary Plan Description, 1/1/04 for the course of their treatment at the program site. Services are covered at the designated facility up to a maximum of twenty-one (21) days per Plan Year, or until the Network Provider has determined satisfactory completion of the inpatient program, whichever is less. Outpatient Alcohol-Drug Rehabilitation: alcohol-drug rehabilitation services are provided at a facility designated by the Plan. Outpatient services are those services provided to Participants who are living at home and receiving services at the program site on an ambulatory basis. The number of visits allowed is based on Medical Necessity as determined by the Network Provider. SURGERY Medically Necessary surgical services are provided in the Hospital, Physician’s office, or in a licensed outpatient surgical facility. This includes the services of a surgical assistant and anesthesiologist with surgical services when Medically Necessary. You must obtain precertification of non-Network surgery. Breast Surgery: Reconstructive Surgery to the extent preauthorized following a mastectomy shall include reconstruction of the breast on which the mastectomy was performed, surgery and reconstruction of the unaffected breast to produce a symmetrical appearance, surgically implanted breast prostheses and Coverage of physical complications resulting from the mastectomy, including lymphademas. The cost of surgical bras, including external prostheses, in lieu of reconstructive breast surgery will be covered to the extent preauthorized, with a maximum benefit of $500 per Participant per Plan Year. Oral and Dental Surgery: oral surgery and certain medical service charges associated with dental services will be covered only for emergency treatment received within twenty-four (24) hours of the occurrence of accidental injury to the jaw or mouth. During an inpatient admission for a covered dental problem, medical consultation and diagnostic procedures ordered by the medical consultant related to a strictly medical condition are covered. Follow-up dental restoration procedures are not covered. Covered Services for oral and dental surgery also include  treatment for tumors of the mouth when cancer is suspected  treatment of congenital conditions of the jaw that may be demonstrated to cause actual significant deterioration in the Covered Person’s physical condition because of inadequate nutrition or respirationand anesthesia charges associated with dental services to the extent preauthorized by the Plan Supervisor upon determination that a medical condition or other criteria requires such services to be obtained in a medical facility  cleft lip, cleft palate, or any condition or illness that is related to or developed as a result of the cleft lip or cleft palate will be considered to be compensable for Coverage under the provisions of Colorado law for newborn children born with cleft lip or cleft palate or both. The following care and treatment is covered to the extent Medically Necessary and when ordered by a Network Provider:  oral and facial surgery, surgical management and follow-up care by plastic surgeons and oral surgeons  prosthetic treatment such as obturators, speech appliances, and feeding appliances  Medically Necessary orthodontic treatment  Medically Necessary prosthodontics treatment  habilitative speech therapy  otolaryngology treatment  audiological assessments and treatment If a dental policy is in effect at the time of the birth, or is purchased after the birth of a child with cleft lip or cleft palate or both, no benefit under the Plan will be provided for any orthodontics or dental care as needed as a result of the cleft lip or cleft palate or both. Oral surgery not covered: orthognathic surgery; metallic bone cylinder implants (bone screws). City of Fort Collins Group Health Plan 28 POS Summary Plan Description, 1/1/04 Plastic, Reconstructive or Cosmetic Surgery: these services are covered if the surgery is performed as soon as medically feasible and it is Medically Necessary for either of the following reasons:  to repair an injury sustained while the Participant is covered by the Plan and repair is initiated within one (1) year following the injury  the correction of a congenital defect that substantially impairs major organ function, or leads to progressive deterioration of health of a covered Dependent child. Surgery Not Covered:  Plastic, reconstructive or cosmetic surgery, including skin lesions that are removed for cosmetic purposes. Exceptions for Reconstructive Surgery must be approved by the Plan and will be considered only when performed primarily to improve the physical health and function of the patient. Any non-Covered Services received prior to written approval will not be reimbursed by the Plan and will be the responsibility of the Participant.  Reconstructive nasal surgery, including rhinoplasty.  Revision of a previous procedure performed for cosmetic purposes including, but not limited to, breast augmentation.  Surgical treatment for morbid obesity, even in cases that meet the standards of Medical Necessity.  Reconstructive Surgery that does not correct or materially improve a physiological function. THERAPIES/REHABILITATION Cardiac: a short-term Cardiac Rehabilitation program is covered, based on criteria established by the Plan Supervisor at an approved facility for short-term follow-up of Acute Care for a myocardial infarct or cardiac revascularization procedure. This benefit is an extension of the treatment for an inpatient Acute Care episode and must begin within two (2) months of discharge from the Acute Care facility. Benefits are paid to a maximum of $1,000 within a ninety (90) day period. Chemotherapy: outpatient injectable chemotherapy is covered, when oral administration of prescribed medication is not medically appropriate. Services and materials for chemotherapy are covered. Hemodialysis: all necessary services for hemodialysis for chronic renal disease and for kidney transplants, including training and expendable medical supplies, are covered. Occupational/Physical: short-term, outpatient occupational and physical therapy by licensed therapists who are Network Providers or approved by the Plan Supervisor are covered. This short-term, outpatient physical therapy is for treatment of Acute Conditions that are subject to significant improvement within two (2) months of when treatment begins. Benefits are paid up to twenty (20) sessions combined for physical and occupational therapy per Acute Condition. Prior written authorization of an approved treatment plan by the Plan Supervisor is required. The Participant’s status may be reevaluated and, if it is determined that the condition is no longer acute, it may not be covered. Physical and occupational therapy are covered for the care and treatment of congenital defects and birth abnormalities for children up to age five (5) without regard to whether the condition is acute or chronic and without regard to whether the purpose of the therapy is to maintain or improve functional capacity. Benefits are paid to a maximum of 20 sessions per Plan Year. Radiation Therapy: services for radiation therapy are covered when Medically Necessary. Respiratory Therapy: respiratory therapy by a licensed respiratory therapist on an outpatient basis is limited to emergency care. Speech Therapy: services of licensed speech therapists who are Network Providers or approved by the Plan are covered. This therapy is covered only for the short-term rehabilitation required immediately following these acute episodes: accidental brain injury (not occurring during birth), and injury or surgery City of Fort Collins Group Health Plan 29 POS Summary Plan Description, 1/1/04 directly affecting the larynx and/or vocal cords or for treatment of vocal cord nodules in lieu of surgery. Also, for treatment of speech delay in three- to five-year-old patients, secondary to persistent otitis media or serous otitis media documented as persisting longer than six (6) months with documented bilateral twenty-five (25) decibel hearing loss. The goal of this therapy is significant improvement of a Participant’s condition within two (2) months. Benefits are provided to a maximum of twenty (20) sessions per Acute Condition, and require prior written authorization of an approved treatment plan by the Plan Supervisor. The Participant’s status may be reevaluated and, if it is determined that the condition is no longer acute, it may not be covered.  Not Covered: speech therapy related to a developmental or communicational delay. Speech therapy for the care and treatment of congenital defects and birth abnormalities for children up to age five (5) are also covered, without regard to whether the condition is acute or chronic and without regard to whether the purpose of the therapy is to maintain or to improve functional capacity. Benefits are provided up to twenty sessions per Plan Year. Therapies/Rehabilitations Not Covered:  Special evaluation and/or therapy for:  behavioral disorders  communication delay, except as specified elsewhere in this booklet  learning disability  mental retardation and related conditions  motor dysfunction  multiple handicaps  perceptual disorders  post-traumatic stress  pulmonary rehabilitation  sensory deficit  sex addiction  speech, except as specifically listed as a Covered Service  vision  Special evaluations and therapies, including:  behavioral training  biofeedback, except as covered under pain clinics  cognitive therapy  coma stimulation  developmental and neuroeducational testing or treatment  educational studies  hearing therapy  hypnotherapy  myofunctional therapy  neuromuscular rehabilitation for chronic conditions  psychological testing  sleep therapy  vision therapy/orthoptics  vocational rehabilitation TRANSPLANTS This Plan covers only cornea and kidney transplants. Other transplants may be covered under a separate contract. Please contact Human Resources for additional information. City of Fort Collins Group Health Plan 30 POS Summary Plan Description, 1/1/04 All necessary services for covered transplants at designated transplant facilities are covered to the extent preauthorized and based on medical criteria established by the Plan. Covered Services include the directly related, reasonable medical and expenses of the donor. Donor screening charges are covered for immediate family members to include Spouses, parents, children, siblings and, if appropriate, grandparents. Coverage will be restricted to transplant services provided to the donor and recipient only when the recipient is a Participant. Neither the Plan nor the Network Providers will be responsible to furnish a donor or to assure the availability or capacity of designated facilities. Transplant Guidelines:  Any request for a covered transplant, except cornea transplants, must be made in writing to the Plan.  The Plan will issue a written response within thirty (30) days.  Written preauthorization of any covered transplant benefit must be given prior to the initiation of services.  The Plan will not cover services received prior to issuance of the Plan’s written preauthorization. TREATMENT ALTERNATIVES Treatment alternatives and limited adaptations to Coverage under the Plan are reserved to the sole discretion of the Plan. While the Plan Documents are the definitive statement of the Plan’s legal obligation to provide benefits, experience has shown that there may be unusual and extraordinary circumstances that are not contemplated by the Plan. Therefore, the Plan specifically reserves the right, at its sole discretion and based on prudent business and medical judgment (with the input of the Plan Supervisor’s Medical Director), to adapt the Coverage and benefits set forth in the Plan. Such decisions will be made exclusively by the Plan based on the medical and cost effectiveness of alternatives, probable outcome of a Medically Necessary Service, and consultation with the Participant or the Participant’s representative. The fact that the Plan makes an adaptation to the Plan will not require or act as precedent requiring that it make future adaptations in similar or other situations, or otherwise be prevented from administering the Plan in strict accordance with its terms. In addition, the plan may, at its sole discretion, reevaluate and discontinue any adaptation granted under this provision if it determines that the original basis for granting the adaptation is no longer valid and supportive of the adaptation or is no longer likely to lead to measurable improvement in the health of the Participant. Any request for Coverage of treatment alternatives and/or limited adaptations to the Plan must be made in writing by a Network Physician or a Participant to the Plan. The Coverage decision will be made by the Plan Administrator. The Plan will provide a written response; only services specifically authorized and received after the Covered Person’s receipt of the written response will be covered. The Plan Administrator shall have the sole discretionary authority to interpret the Plan and determine all questions arising in the administration, interpretation, and application of the Plan, and all such determinations shall be final, conclusive and binding. City of Fort Collins Group Health Plan 31 POS Summary Plan Description, 1/1/04 POS 1 GENERAL EXCLUSIONS AND LIMITATIONS The following services are not covered by the Plan: 1. Any service that is:  not specifically listed as a Covered Service under the Plan, even though provided or referred by a Network Physician.  not reasonably and Medically Necessary, even if listed as a Covered Service.  not required in accordance with accepted standards of medical, surgical, or psychiatric practice, even though provided or referred by a Network Physician.  not selected by the Plan Administrator.  required only for the convenience of the Participant or the Participant’s Physician.  any service provided by a non-Network Provider, unless authorized in advance by the Plan, or in case of emergency. 2. Services that the Plan has no legal obligation to cover:  free clinics  government free programs  any charge made solely because the Participant has the benefit covered by the Plan  services and supplies paid for directly or indirectly by any local, State or Federal Government agency, except when the Participant would have a legal obligation to pay for the services 3. All medical and Hospital care associated with conditions for which preauthorization by the Plan Supervisor’s Medical Director is required and was not received; and/or for which treatment by Network Physicians or Hospital was required but was not so provided. 4. Expenses for medical and/or Hospital services incurred prior to Coverage under the Plan or services provided after the Plan Coverage or eligibility terminates. 5. Braces and artificial limbs, except as provided specifically by the Plan. Artificial aids, prosthetic devices, corrective appliances and breast pumps. 6. Medical supplies including, on an outpatient basis, enteral feeding substance and infant formula, and medical foods, except as provided elsewhere in this booklet. 7. Total parenteral nutrition (TPN), except when the need for TPN results from a condition diagnosed after the date of Plan enrollment and preauthorized based on criteria established by the Plan. 8. Acupuncture. 9. Sex transformation procedures, services and supplies. 10. Sexual dysfunction or inadequacy medications, procedures, services, supplies, including penile implants/prosthesis except testosterone injections for documented low testosterone levels. Coverage of testosterone injections is based on criteria established by the Plan. 11. Post-mortem testing. 12. Charges for missed appointments in Providers’ offices and/or charges incurred when scheduled services are canceled by the Participant. City of Fort Collins Group Health Plan 32 POS Summary Plan Description, 1/1/04 13. Services that Participants are entitled to as a result of class action or special group settlements, for example, Agent Orange treatment programs and asbestosis indemnifications. If specific treatment facilities are not stipulated by the responsible agency or group, the Plan will provide the services contingent on either coordination of benefits or the Subrogation rights described in this booklet. 14. Special blood handling fees and storage of cord blood. 15. Take-home drugs. 16. Gene manipulation therapy. 17. Expenses of treating complications resulting from services that are not Covered Services. 18. Personal comfort or convenience items or services obtained or rendered in or out of a Hospital or other facility, such as television, telephone, guest meals, articles for personal hygiene, and any other similar incidental services and supplies. 19. Services rendered by a provider with the same legal residence as the Participant, or a member of the Participant’s family, including Spouse, brother, sister, parent or child. 20. Custodial maintenance, convalescent and/or domiciliary care, Respite Care (except as specifically provided by the Plan), rest cures, whether furnished in the home or in an institution, including a nursing home or similar facility. 21. Travel or transportation expenses (except ambulance service as specifically provided under the Plan), even though prescribed by a Physician or to reach a Network or designated Plan facility. 22. Cosmetic Procedures and services performed for cosmetic reasons, whether or not due to a medical condition, except as specifically provided under the Plan. 23. Elective voluntary enhancement procedures, services, supplies, and medications, including, but not limited to, weight loss, hair growth, sexual performance, athletic performance, cosmetic purposes, anti-aging and mental performance. 24. New procedures, services, supplies and medications until they are reviewed for safety, efficacy and cost effectiveness and approved as covered by the Plan. 25. Treatment or care for maxillary and mandibular osteotomies, and jaw or orthognathic conditions. 26. Orthognathic surgery and associated costs of each related to the treatment for misalignment or similar malfunction of the jaw joint, commonly known as temporomandibular joint problems or TMJ syndrome. 27. Surgical treatment of morbid obesity, including complications arising from such treatment. 28. Charges, including complications, resulting from the Participant incurring excluded charges and services. 29. Dental Services Not Covered (these include but are not limited to): general dental services and dental x-rays, including treatment on or to the teeth or gums; any services customarily provided by a general dentist, an oral surgeon or any other dental specialist; any procedure involving osteotomy of the jay; periodontal treatment and/or surgery; treatment or care for overbite or underbite; treatment or care for maxillary and mandibular osteotomies, and jaw or orthognathic conditions; dental prosthetics and metallic bone cylinder implants (bone screws); Hospital costs for dental surgery or other dental reasons; orthodontic treatment, orthognathic surgery and associated costs of each related to the City of Fort Collins Group Health Plan 33 POS Summary Plan Description, 1/1/04 treatment for misalignment or similar malfunction of the jaw joint, commonly known as temporomandibular joint problems or TMJ syndrome. 30. Experimental, Investigational, Unproven, Unusual, or Not Customary Treatments, Procedures, Devices and/or Drugs. 31. The following treatments, procedures, devices and/or drugs are specifically excluded from Coverage under the Plan:  orthomolecular medicine  holistic medicine  environmental medicine  chelation therapy, unless Medically Necessary for the treatment of metal poisoning  cytotoxin testing  hair analysis  colonics  gene manipulation therapy  autologous bone marrow transplants and chemotherapy requiring a bone marrow transplant for stage I and stage IV breast cancer, ovarian cancer and other solid tumors  transplants not specifically listed as covered  medications that are experimental, investigative, or used in ways not approved by the Food and Drug Administration (FDA), including those prescribed for:  use in dosage forms not commercially available  use by routes of administration not approved by the FDA  naturopathic services  megavitamin therapy 32. The following are not covered prescription drug benefits:  convenience dosage forms: unit dose, individual packets, etc.  diabetic supplies, except as specifically listed as a covered benefit  dietary products, nutritional products and food supplements, except as specifically listed as a covered benefit  drugs administered by a Physician or Physician’s staff, unless specifically listed as a covered benefit  drugs administered while the Participant is receiving skilled care as an inpatient in a Skilled Nursing. Facility or Extended Care Facility, unless specifically listed as a covered benefit  elective or voluntary enhancement procedures, services, supplies and medications including but not limited to: weight loss, hair growth, sexual performance, athletic performance, cosmetic purposes, anti-aging, and mental performance  medications that are Experimental, Investigational, or used in ways not approved by the FDA.  drug therapy for infertility  drugs determined by the Plan to be ineffective, duplicative or to have preferred therapeutic alternatives available  any prescription drug prescribed in connection with a service excluded under the Plan  non-drug supplies, such as stockings, support garments and other therapeutic devices or appliances, even though a prescription may be required, except as specifically listed as a covered benefit  medications (except insulin) which can be obtained without a prescription or have a nonprescription therapeutic equivalent, unless specified by the Plan’s Preferred Drug List.  Progesterone and Estrogen Products, specifically compounded progesterone and estrogen products, including progesterone suppositories  medications when used for purpose(s) of recreation and/or travel, other than those medications recommended for travel by guidelines established by the Centers for Disease Control City of Fort Collins Group Health Plan 34 POS Summary Plan Description, 1/1/04  saline and medications for irrigation  prescription medication for the treatment of sexual dysfunction, including erectile dysfunction, impotence and anorgasmy or hyporgasmy  smoking cessation drugs and/or aids  drugs received from a Hospital, Skilled Nursing Facility, convalescent home or similar facility for take-home use  immunizations, except oral typhoid , unless specifically listed as a covered benefit  vitamins and minerals, except when requiring a prescription for a Medically Necessary vitamin or mineral  medications recommended because of increased risk due to type of employment GENERAL LIMITS Cumulative Benefits. Any service provided to a Participant or Dependent during a Plan Year is limited cumulatively to these benefits covered in the Plan. No change in a Participant’s status may increase any restriction or limitation on the number of services or benefits a Participant can receive during a Plan Year. Circumstances Beyond the Plan’s Control. If, due to circumstances not reasonably within the control of the Plan, such as complete or partial destruction of facilities, war, riot, civil insurrection, labor disputes, disability of a significant part of the Physician network, or similar causes, the rendition or provision of benefits covered hereunder is delayed or rendered impractical, Hospitals and Physicians associated with the Plan will make a good faith effort to provide benefits covered hereunder, but neither the Plan, Hospitals, nor any Physician associated with the Plan will have any other liability or obligation on account of such delay or failure to provide covered benefits. Major Disaster or Epidemic. If a major disaster or epidemic occurs, Physicians and Hospitals will provide medical and Hospital services and arrange extended care services and home health services as far as is practical according to their best judgement. These services will be within the limitation of available facilities and personnel, but neither the Plan, Hospitals nor any Physician associated with the Plan has any liability or obligation for delay or failure to provide or arrange for any such services to the extent the disaster or epidemic causes unavailability of facilities or personnel. POS – 2 COVERED NON-NETWORK SERVICES The following services are covered when Medically Necessary as non-Network expenses under POS 2; Network expenses for POS 2 are covered in the same manner as under POS 1. Please be aware that not all non-Network expenses are covered in the same manner as Network expenses, and that different benefit limitations/Exclusions may apply to non-Network services. Some services that are available from Network Providers may NOT be available through non-Network Providers. The Plan may determine Medical Necessity by using precertification programs as appropriate. Through the precertification process, the Plan may encourage that certain services be directed to, and performed at, the most cost effective setting. Covered non-network expenses require satisfaction of the annual Deductible and the payment of Coinsurance amounts, as specified in the Schedule of Benefits. If you have questions about your payment responsibility, you should call Great- West Health Care directly at: 1-800-663-8081. ALCOHOL-DRUG ABUSE Alcohol-Drug Rehabilitation A course of treatment, either inpatient or outpatient rehabilitation or a combination of both, if preauthorized by the Plan. The rehabilitation benefit applies when the Participant completes the full course of treatment as outlined by the provider, including detoxification and rehabilitation. Benefits are provided for one course of treatment per Plan Year, to a maximum of forty-five City of Fort Collins Group Health Plan 35 POS Summary Plan Description, 1/1/04 (45) days for inpatient care or ninety (90) days of partial hospitalization per Plan Year. For the purpose of computing the benefit period, two partial hospitalization visits will be the equivalent of one inpatient day; each two days of partial hospitalization care shall reduce by one day the forty-five days available for inpatient care, and each day of inpatient care shall reduce by two days the ninety days available for partial hospitalization care. Each day of confinement for alcohol detoxification or rehabilitation will reduce by one (1) day the number of days available for inpatient psychiatric care and will reduce by two (2) days the number of partial hospitalization days available. Not covered:  maintenance or aftercare following a rehabilitation program  alcoholism and drug addiction treatment on court order as a condition of parole or probation  nutritional based therapy for alcoholism or other chemical dependency Detoxification Inpatient services are provided for detoxification, limited to the removal of the toxic substance from the system, together with diagnosis, evaluation, and care of emergency or acute medical conditions. Inpatient Alcohol-Drug Rehabilitation Inpatient rehabilitation services are provided at a Hospital or alcohol treatment center. Inpatient services are those services provided to Participants who reside for the course of their treatment program at the program site. Benefits for Physician visits (including psychologist visits) during a period of inpatient confinement for alcohol-drug dependency or mental and nervous disorders is $1,000 per Plan Year. A maximum of forty-five (45) inpatient days or ninety (90) partial hospitalization days are provided per Plan Year, less the number of days devoted to inpatient detoxification during the Plan Year, or until the provider determines that the Participant has satisfactorily completed the inpatient program, which ever is less. Each two days of partial hospitalization shall reduce by one day the forty- five days available for inpatient care, and each day of inpatient care shall reduce by two days the ninety days available for partial hospitalization care. Outpatient Alcohol-Drug Rehabilitation Outpatient rehabilitation services are provided to Participants who are maintaining their place of residence at home and receiving services at the program site on an ambulatory basis. Services are covered to a maximum benefit of $500 per Plan Year, or until the provider has deemed satisfactory completion of the outpatient program, whichever is less. DIETARY AND DIABETES COUNSELING Dietary Counseling One dietary counseling session per year is provided when regulation of the diet is a significant part of the treatment program for a pathological state or illness.  Not covered: dietary counseling for obesity, including weight reduction programs. Diabetes Counseling Dietary counseling, medication management and self-management skills instruction is provided for Participants diagnosed with diabetes or those with special management needs. DURABLE MEDICAL EQUIPMENT Durable Medical Equipment (DME), including oxygen is to enable a patient who otherwise would have to be treated in an Acute Care or rehabilitative facility to be cared for outside such an institution. At the Plan’s discretion, this equipment may be rented or purchased. Benefits are provided up to $1,000 per Participant per Plan Year, and this amount is applied to the $1,500 limit for Network charges. Coverage of external extremity prosthetics will be considered under the provisions regarding Treatment Alternatives, up to $1,000 applicable to the DME maximum. Penile prostheses or prostheses for cosmetic purposes are specifically excluded by the Plan. City of Fort Collins Group Health Plan 36 POS Summary Plan Description, 1/1/04 DME, including oxygen, must be authorized by the Plan for a specified period of time in advance and in writing. The authorization will specify whether purchase or rental is approved. After the initial authorized period of Coverage, continuation is subject to written reauthorization in advance for another specified period of Coverage. Orthopedic Braces Orthopedic braces are covered when prescribed by a Physician and preauthorized by the Plan. Such braces must meet all of the following criteria:  they are required to support or correct a defect of form or function or a permanently non-functioning or malfunctioning body part, and  they are medically approved and in general use for the specific condition, and  they are primarily and customarily used either as an alternative to surgery or to speed recovery of a patient who has had surgery, and  they can withstand repeated use, and  they are not generally useful to a patient in the absence of an injury or illness. Fitting and adjustment of covered braces is also provided. Repair or replacement of covered braces is provided, unless necessitated by misuse or covered by any other insurance plan or arrangement. At its discretion, the Plan may replace or repair a covered brace. Coverage is provided up to $250 per Participant per Plan Year. Coverage under this benefit applies to the $1,000 annual DME benefit maximum.  Not covered: dental braces, orthotic devices for podiatric use and arch support, braces used as aids in sports and activities, corsets and other non-rigid appliances. EMERGENCIES Ambulance Medically Necessary air and ground ambulance services are covered when the destination is an Acute Care facility. Ambulance service provided due to the absence of another medically appropriate form of transportation or for the Participant’s convenience is specifically excluded under the Plan. Medical Emergencies Emergency Services are covered when necessary to screen and stabilize Participants in cases where a prudent layperson acting reasonably believes that an Emergency Medical Condition exists. Medical emergencies are generally covered as Network services. FAMILY PLANNING Surgical procedures causing permanent sterilization, including vasectomies and tubal ligations, are covered by the Plan, as are costs related to a maximum of two (2) elective abortions per Participant per lifetime. No other non-network family planning services are covered by the Plan. HOME HEALTH CARE Medically Necessary Home Health Care services are provided when preauthorized by the Plan. Services are covered only when Medically Necessary as alternatives to hospitalization or in place of hospitalization. Covered Services may include medical social services, nutritional counseling by a nutritionist or dietitian, intermittent part-time Skilled Nursing Care, physical therapy, occupational therapy and speech therapy,, audiology, respiratory therapy and inhalation therapy. Covered benefits are provided up to sixty (60) visits by a Home Health Care agency per Participant per Plan Year. Each visit of four (4) hours or less from a Home Health Care agency team is considered a City of Fort Collins Group Health Plan 37 POS Summary Plan Description, 1/1/04 single visit. One-time training is provided for a caregiver covering the services necessary to the custodial or maintenance levels of care. Physical, occupational, and speech therapy are covered as part of Home Health Care only if the patient is homebound and are subject to the limitations explained in the section entitled “Therapies/Rehabilitation”. Home health aide services must be under the supervision of a registered nurse or a licensed occupational, physical, or speech therapist. Not covered: services for personal comfort or convenience, such as homemaker services; custodial and Maintenance Care and Private Duty Nursing, even if Medically Necessary. HOSPICE CARE Services are provided when preauthorized by the Plan, and when the Participant’s Physician certifies that the Participant has a life expectancy of six (6) months or less. Benefits may exceed six (6) months if the Participant lives beyond the prognosis for life expectancy, in which case the benefits will continue for an additional three (3) successive months. Under no circumstances will covered benefits exceed a total of nine (9) months. Covered Hospice services may include:  nursing care provided by or under the supervision of a registered nurse  home health aide services under the supervision of a registered nurse or specialized rehabilitative therapist  respiratory therapy and inhalation services  nutrition counseling by a nutritionist or dietitian  Physical therapy, occupational therapy, speech therapy and audiology  individual, family and caregiver counseling  medical social services  bereavement – to a maximum $500  continuous home care or short-term inpatient care provided in a Hopsice unit, Hospital, Skilled Nursing Facility as required for pain control or symptom management. Benefits are paid up to thirty (30) days and require preauthoriztion by the Plan. Each day of care counts toward the maximum benefit period  medical supplies ordinarily furnished by the hospice agency, including prescription drugs and biologicals  Respite Care as a short-term inpatient stay which may be necessary for the patient in order to give temporary relief to the person who regularly assists the patient with home care. Benefits are provided up to five (5) days in a row per occurrence Hospice Care Limits:  the Coverage of these services will not prevent the Plan from reevaluating the Participant’s status and subsequently reconfirming the status of care  the maximum benefit for Hospice Care, including Respite Care, is $5,000 per three-month hospice benefit period during which services are provided on a regular basis  the maximum daily benefit for home Hospice Care, including Respite Care, is $55 Not covered as part of Hospice Care:  services and supplies that are not part of Hospice Care  services of a caregiver who lives in the Participant’s home or is a member of the Participant’s family  domestic or housekeeping services that are unrelated to the Participant’s medical care  services that provide a protective environment where no professional skill is required, such as companionship or sitter services  services not related directly to the medical care of the Covered Person, including but not limited to estate planning, drafting of wills or other legal services; funeral counseling or funeral arrangements or City of Fort Collins Group Health Plan 38 POS Summary Plan Description, 1/1/04 services; food services such as Meals on Wheels; transportation services, except covered benefits for necessary professional ambulance services HOSPITAL CARE Hospital care includes: semi-private room and board, nursing care, use of operating and specialized treatment rooms, use of Intensive Care facilities, surgical and anesthetic supplies furnished by the Hospital as a regular service, laboratory, pathology, radiology, radiation therapy, physical therapy, occupational therapy, speech therapy, oxygen, other gases, drugs, medications and biologicals as prescribed, blood and blood plasma, administration of blood and blood plasma, coordinated discharge planning services, outpatient services Medically Necessary for outpatient medical and surgical treatment, pacemakers, replacement joints and permanent replacement lenses following cataract surgery that are Medically Necessary and must be implanted by surgical means. Not covered: take-home drugs, products derived in whole or in part from blood or blood plasma (including special handling fees), experimental or cosmetic implants, penile implants, all implants not specifically listed as covered, Custodial Care, Maintenance Care, Private Duty Nursing, personal comfort and convenience items, private room (except when Medically Necessary) and take home supplies. INJECTABLES Outpatient injectables are covered only when oral administration of prescribed medication is not medically appropriate and when the injectable is approved by the FDA for the given diagnosis or protocol. Services include administration, supplies and medical monitoring when administered in the Physician’s office. Before obtaining outpatient injectables, contact Human Resources for the special order form. MEDICAL FOODS Medical foods for the purpose of this benefit refer exclusively to prescription metabolic formulas and their modular counterparts obtained through a pharmacy. Medical foods are specifically designated and manufactured for the treatment of Inherited Enzymatic Disorders caused by Single Gene Defects. Coverage for Inherited Enzymatic Disorders caused by Single Gene Defects shall include, but not be limited to, the following diagnosed conditions: Phenylketonuria, Maternal Phenylketonuria, Maple Syrup Urine Disease, Tyrosinemia, Homocystinuria, Histidinemia, Urea Cycle Disorders, Hyperlysinemia, Glutaric Acidemias, Methylmalonic Acidemia,, and Propionic Acidemia. Covered care and treatment of such conditions shall include, to the extent Medically Necessary, medical foods for home use for which a Network Physician has issued a written, oral, or electronic prescription. The maximum age to receive this benefit for Phenylketonuria is twenty-one (21) years of age; except that the maximum age to receive this benefit for Phenylketonuria for women who are of child-bearing age is thirty-five (35) years of age. Benefits for medical foods are subject to a fifty (50) percent Copayment. MENTAL HEALTH SERVICES/PSYCHIATRIC CARE Inpatient psychiatric care up to forty-five (45) days for per Plan Year or ninety (90) partial hospitalization days per Plan Year. Partial hospitalization is defined as treatment for at least three (3) hours but not more than twelve (12) hours in a 24-hour period. Maximum amount payable for Physician visits (including psychologist visits) during a Participant’s confinement for alcohol dependency or mental and nervous City of Fort Collins Group Health Plan 39 POS Summary Plan Description, 1/1/04 disorders is $1,000 per Participant per Plan Year. Benefits are paid to a maximum of forty-five (45) days for inpatient care per Plan Year or ninety (90) partial hospitalization days per Plan Year or a combination of inpatient care plus partial hospitalization not to exceed the aggregate value of forty-five (45) days of inpatient care. Two partial hospitalization days will be the equivalent of one inpatient day. Each two days of partial hospitalization care shall reduce by one day the forty-five days available for inpatient care, and each day of inpatient care shall reduce by two days the ninety days available for partial hospitalization care. Each day of confinement for alcohol detoxification or rehabilitation will reduce by one (1) day the number of days available for inpatient psychiatric care and will reduce by two (2) days the number of partial hospitalization days available. Outpatient Psychiatric Care Services include individual and group psychotherapy sessions for Medically Necessary treatment of mental and nervous conditions. Outpatient psychiatric services are limited to a maximum amount payable of $1,000 per Participant per Plan Year. Not Covered  court-ordered psychiatric therapy or psychiatric therapy as a condition of parole or probation.  psychological testing of a Participant that is requested by or for a third party.  counseling for borderline intellectual functioning, for occupational problems, or for activities of an educational nature; counseling related to consciousness raising.  vocational or religious counseling.  developmental disorders, including but not limited to, developmental reading, arithmetic, language, or articulation disorders.  IQ testing.  lifestyle and personal growth counseling.  early infant stimulation.  counseling for autism.  counseling for transsexualism.  cognitive skills rehabilitation.  psychotherapy credited toward earning a degree or required for education purposes.  psychosurgery. OBSTETRICAL CARE Obstetrical care for female Participants is provided in connection with normal pregnancy and childbirth. Medically Necessary treatment necessitated by complications of pregnancy are also covered. Not Covered: home delivery, any procedure intended solely for sex determination, birthing classes and delivery charges if travelling within five weeks of due date. OTHER INSTITUTIONS Services of other institutions may be covered, but only on order of the attending Physician and only when significant, measurable improvement can be anticipated. Services include accommodations, meals, general nursing care, medical supplies and equipment ordinarily furnished by the facilities, and prescribed drugs and biologicals. Benefits are provided up to thirty (30) days per Plan Year. The Participant’s status may be reevaluated and, if it is determined that the status of the care is no longer acute, the services may not be covered. Not Covered:  expenses of chronic, custodial, or Maintenance Care. City of Fort Collins Group Health Plan 40 POS Summary Plan Description, 1/1/04  chronic or Maintenance Care, Private Duty Nursing, and Respite Care (except as may be provided as Hospice Care).  convalescent care.  Private Duty Nursing.  personal comfort or convenience items, such as telephone or television.  private room, except when Medically Necessary. Care provided to a Participant may be Custodial Care, even though all of the following apply:  the Participant is under a Physician’s care or supervision.  services are being prescribed to support and generally maintain the Participant’s condition, provide for the Participant’s comfort, or assure the manageability of the Participant.  services are being provided by a registered nurse or other licensed provider. PHYSICIAN SERVICES Allergy Treatment Outpatient allergy evaluation and allergy treatment materials are covered. Exams and Consultation (Office, In/Outpatient) Physician’s services including time for visits and examinations relating to an illness or injury. These services include consultation and personal attendance with the patient in the Physician’s office, or in a Hospital or other institution. Physician’s visits to the Participant’s home when Medically Necessary and only if the Participant is too ill or disabled to go to the Physician’s office. Medical consultation services, including charges made by a Physician for a second surgical opinion.  Not covered: expenses for medical reports, including preparation and presentation; expenses for examinations conducted for the purpose of medical research. Foot Conditions Treatment of weak, strained, flat, unstable or imbalanced feet. Treatment for metatarsalgia or bunion, cutting or removing one or more corns, calluses, toenails, removal of part or all of one or more nail roots for treatment of a metabolic or peripheral vascular disease. Surgical or nonsurgical treatment of subluxations of the foot. Subluxations of the foot are partial displacements or dislocations of joint surfaces, tendons, ligaments, or muscles of the foot. Benefits are paid to a maximum of $500 per Participant per Plan Year.  Not covered: corrective or supportive devices, appliances, or shoes; routine foot care or routine hygiene care. Prostate Cancer Screening Prostate cancer screening to include a prostate-specific antigen blood test and digital rectal examination. Prostate cancer screening is not subject to a Deductible. Coverage is subject to the following guidelines: screening once a year for men over the age of 50; screening once a year for men over the age of 40 who are in high-risk categories as determined by a Physician. Well-Baby/Well-Child Care Well-baby and/or well-child care, including immunizations, in a Physician’s office for Participants up to age thirteen (13). PRESCRIPTION DRUGS Prescription drugs may be obtained from a non-network pharmacy. However, in addition to the Copayment required for network benefits, you will pay an additional 30% of the medication’s total cost. As with Network benefits, covered medications are subject to change. Coverage of a medication at any time is not a guarantee of future Coverage. Copayments are subject to change due to periodic changes in the Preferred Brand Drug Listing. City of Fort Collins Group Health Plan 41 POS Summary Plan Description, 1/1/04 RADIOLOGY Radiological, laboratory and other services, such as electrocardiography (EKG), electroencephalography (EEG), and the use of radioactive isotopes when used in the diagnosis of actual or suspected illness or injury. Therapeutic radiological services, including radiation therapy and radioactive isotope therapy. Screening by low-dose mammography for the presence of breast cancer in adult female Participants. Coverage of mammograms is not subject to a Deductible. Coverage is subject to the following guidelines: annual screening for women over age 40; screening as indicated for women with risk factors for breast cancer as determined by a Physician.  Not Covered: preventive diagnostic screening of all kinds, except for the covered benefits relating to screening by low-dose mammography SURGERY Breast Surgery: The cost of reconstructive breast surgery following a mastectomy, to include reconstruction of the breast on which the mastectomy was performed; surgery and reconstruction of the unaffected breast to produce a symmetrical appearance; surgically implanted breast prostheses; Coverage of physical examinations resulting from the mastectomy, including lymphedemas. The cost of surgical bras, including external prostheses, when preauthorized and when in lieu of reconstructive breast surgery is covered for two (2) surgical bras initially following breast surgery; one replacement bra is covered up to $500 per Participant every twenty-four (24) months. Oral and Dental Surgery: Oral surgery and certain medical service charges for dental services will be covered only as follows: emergency treatment received within twenty-four (24) hours of the occurrence of accidental injury to the jaw or mouth (no follow-up dental restoration procedures are covered); medical consultation and diagnostic procedures during an inpatient admission for a covered dental problem when ordered by the medical consultant related to a strictly medical condition; treatment for tumors of the mouth when cancer is suspected; treatment of congenital conditions of the jaw that may be demonstrated to cause actual significant deterioration of the Participant’s physical condition because of inadequate nutrition or respiration; cleft lip, cleft palate, or any condition or illness that is related to or developed as a result of the cleft lip or cleft palate shall be considered compensable for Coverage to the extent required by Colorado law; for newborn children born while covered under the Plan with cleft lip or cleft palate or both, the following care and treatment are provided to the extent Medically Necessary and when ordered by a Physician:  oral and facial surgery, surgical management, and follow-up care by plastic surgeons and oral surgeons.  prosthetic treatment such as obturators, speech appliances and feeding appliances  Medically Necessary orthodontic treatment  Medically Necessary prosthodontic treatment  habilitative speech therapy  otolaryngology treatment  audiological assessments and treatment Plastic, Reconstructive or Cosmetic Surgery Services will be covered if the surgery is performed as soon as medically feasible and it is Medically Necessary for any of the following reasons:  to repair an injury sustained while the Participant is covered by the Plan and repair is initiated within one (1) year following the injury;  reconstruction that is incidental to or is required as a result of surgery necessitated by injury sustained or illness commenced while the patient is a Participant; City of Fort Collins Group Health Plan 42 POS Summary Plan Description, 1/1/04  the correction of a congenital defect that substantially impairs major organ function, or leads to a progressive deterioration of health of a covered child. Surgical Services Surgical services in the Hospital, Physician’s office, or in an ambulatory surgical center. This may include when Medically Necessary: a surgical assistant when medically appropriate as determined by the Plan; services of an anesthesiologist or anesthetist. Surgery Not Covered:  expenses of plastic, reconstructive or cosmetic surgery, including but not limited to, skin lesions that are removed for cosmetic purposes. Exceptions for Reconstructive Surgery must be approved in writing by the Plan and will be considered only when Medically Necessary and performed primarily to improve the physical health and function of the patient;  reconstructive nasal surgery, including rhinoplasty;  revision of a previous procedure performed for cosmetic purposes including, but not limited to, breast augmentation;  Reconstructive Surgery which does not correct or materially improve a physiological function;  surgical treatment for obesity, and complications arising from surgical treatment for obesity;  orthognathic surgery;  metallic bone cylinder implants (bone screws);  if a dental insurance policy is in effect at the time of the birth, or is purchased after the birth of a child with cleft lip or cleft palate or both, no benefit under the Plan shall be provided for any orthodontics or dental care needed as a result of the cleft lip or cleft palate or both. THERAPIES/REHABILITATION Cardiac Short-term Cardiac Rehabilitation program for the short-term follow-up of Acute Care for a myocardial infarct or cardiac revascularization procedure. This benefit is an extension of the treatment for an inpatient Acute Care episode and must begin within two (2) months of discharge from the Acute Care facility. Benefits are paid to a maximum of $1,000 within a ninety-(90) day period. Chemotherapy Physician services and materials for chemotherapy. Outpatient injectable chemotherapy when oral administration of prescribed medication is not medically appropriate. Chemotherapy requiring a bone marrow transplant for breast cancer and other solid tumors is not covered. Hemodialysis All necessary services for hemodialysis for chronic renal disease, including training and expendable medical supplies required for home dialysis and dialysis at hemodialysis facilities. Covered benefits are provided only at hemodialysis facilities that are approved for participation in the Medicare program. Occupational/Physical/Speech Short-term, occupational and speech therapy, including evaluation, treatment or therapy to correct or adjust any structural imbalance, distortion, subluxation or misplaced body tissue of any kind. Speech therapy is a covered benefit only for the short-term rehabilitation required immediately following these acute episodes: stroke, accidental brain injury (not occurring during birth), and surgery involving the larynx. The Participant’s status may be reevaluated and, if it is determined that the condition is no longer acute, any subsequent therapy will not be covered. Short-term outpatient therapy is defined for purposes of this benefit as resulting in significant improvement of a Participant’s condition within a period of two (2) months. Benefits paid for a procedure billed as a “manipulation” or other form of physical therapy will be applied toward the benefit limit for physical therapy. Benefits are paid up to $500 per Participant Per Plan Year each for physical, occupational and speech therapy. Occupational/Physical/Speech therapy is covered for the care and treatment of congenital defects and birth abnormalities for children up to age five (5), without regard to whether the condition is acute or chronic and without regard to whether the purpose of the therapy is to maintain or to improve functional City of Fort Collins Group Health Plan 43 POS Summary Plan Description, 1/1/04 capacity. Otherwise, speech therapy related to a developmental or communication delay is not covered. Benefits are paid up to twenty (20) sessions of each type of therapy per year. Radiation Therapy Service for Medically Necessary radiation therapy are covered. Therapies/Rehabilitation Not Covered  Special evaluation and/or therapy for: behavior disorders; communication delay; learning disability; mental retardation and related conditions; motor dysfunction; multiple handicaps; perceptual disorders; personal goal fulfillment; post-traumatic stress; sensory deficit; sex addiction; speech (except as specifically listed as a covered benefit); vision.  Special evaluations and therapies, including: behavioral training; bereavement support, except as part of Hospice Care; biofeedback; cognitive therapy; coma stimulation; developmental and neuroeducational testing or treatment; educational studies; hearing therapy; hypnosis or hypnotherapy; myofunctional therapy; neuromuscular rehabilitation for chronic conditions; psychological testing; respiratory therapy; sleep therapy; vision therapy/orthoptics; vocational rehabilitation. TRANSPLANTS Covered Transplants Necessary services for covered transplants at designated facilities. Covered Services include directly related, reasonable medical and Hospital expenses of the donor. Coverage will be restricted to transplant services provided to the donor and recipient only when the recipient is a Participant. The Plan will not be responsible for furnishing a donor or for assuring the availability capacity of designated transplant facilities. Cornea Cornea transplants are covered by the Plan Kidney All necessary services for kidney transplants, including the directly related, reasonable medical and Hospital expenses of a donor for a current Participant and transplant services provided to a recipient who is a Participant. Skin Grafts Skin grafts are covered, unless performed for cosmetic purposes. Transplants Not Covered Any organ or tissue transplant or artificial organ not specifically listed as a covered benefit. Transplants not covered include but are not limited to: bone marrow, heart, heart-lung, liver, lung, multiple organs, pancreas. Transplants not covered by the Plan may be covered through a separate insurance contract. Please call Human Resources for additional information. TREATMENT ALTERNATIVES Treatment alternatives and limited adaptations to Coverage under the Plan are reserved to the sole discretion of the Plan. Such decisions will be made exclusively by the Plan based upon the medical and cost effectiveness of alternatives, probable outcome of a Medically Necessary Service, and consultation with the Participant or the Participant’s representative. The fact that the Plan makes an adaptation to the Plan will not require or act as a precedent requiring that it make future adaptations in similar or other situations, or otherwise be prevented from administering the Plan in strict accordance with its terms. In addition, the Plan may, at its sole discretion, reevaluate and discontinue any adaptation granted under this provision if it determines that the original basis for granting the adaptation is no longer valid and City of Fort Collins Group Health Plan 44 POS Summary Plan Description, 1/1/04 supportive of the adaptation or is no longer likely to lead to measurable improvement in the health of the Participant. Any request for Coverage of treatment alternatives and/or limited adaptations to the Plan must be made in writing, by a Physician or a Participant to the Plan. The Coverage decision will be made by the Plan, which will provide a written response; only services specifically authorized and received after the Participant’s receipt of the written response will be covered. The Plan shall have the sole discretionary authority to determine all questions arising in the administration, interpretation and application of this provision, and all such determinations shall be final, conclusive and binding. POS 2 GENERAL EXCLUSIONS AND LIMITATIONS Network benefits are subject to POS 1 Exclusions and Limitations. The Limitations and Exclusions shown here apply to non-network services. 1. Any service that is:  not specifically identified as a covered benefit by the Plan;  not reasonably and Medically Necessary, even if otherwise covered by the Plan  not required in accordance with accepted standards of medical, surgical or psychiatric practice  not selected by the City as part of the group Coverage under the Plan.  required only for the convenience of the Participant or the Participant’s Physician. 2. Services and supplies paid for directly or indirectly by any local, State or Federal Government agency, except when the Participant would have a legal obligation to pay for the services. 3. Expenses for medical and/or Hospital services incurred prior to the effective date for the Participant or after termination of Coverage under the Plan. 4. Expenses in excess of reasonable and customary (R&C) limits. 5. Expenses for services that were not recommended by a Physician, or not accompanied by a diagnosis of an illness or injury from the Physician who ordered the service for which the expenses were incurred. 6. Expenses of procedures, therapies, services, and supplies related to sex transformation, reversal of sex transformation, and sexual dysfunctions or inadequacies, including penile implants or any prosthesis for impotency. 7. Expenses of health education, patient education, wellness promotion exercise or fitness programs, fitness education or training, or recreation. or any similar program or service. 8. Expenses of vitamins, minerals, or nutrient supplements; or for any procedures for determining vitamin or mineral deficiencies. 9. Expenses for missed appointments and/or charges incurred when scheduled services are canceled by the Participant, telephone consultations, personal comfort items, or the completion of claim forms. 10. Expenses resulting from military service for any country or organization, including service with military forces as a civilian whose duties do not include combat. 11. Expenses resulting from committing, attempting, or taking part in a felony, or expenses incurred while the Participant is incarcerated or serving a term of imprisonment or involuntary confinement. City of Fort Collins Group Health Plan 45 POS Summary Plan Description, 1/1/04 12. Expenses of services or supplies provided by a Hospital owned and operated by the United States government or any state government, unless an expense must be paid by the Participant in the absence of insurance. This Exclusion is not applicable to Colorado-supported institutions treating mental illness, mental retardation, or both and nervous disorders if such charges for treatment are customarily charged to nonindigent patients by such state institutions. 13. Expenses of medical care or treatment given by any member of the Participant’s family, a relative, or anyone normally residing with the Participant. Expenses that the Participant is not obligated to pay (e.g., free clinics or services which the Participant received as a professional courtesy) or charges that would not have been made had the Plan not been in force; expenses for services which were not actually provided. 14. Expenses resulting from any injury arising out of, or in the course of, any work for wage or profit (whether or not with the Employer). Expenses resulting from any illness or injury for which the Participant is eligible for or entitled to benefits under workers’ compensation statutes or any similar laws. 15. Expenses to the extent that the Participant receives, or is entitled to receive, payment for such expenses through any governmental program, except as described under the sections entitled “Coordination of Benefits” and “Subrogation”. 16. Expenses for which payment is not lawful in the jurisdiction where the Participant’s is living when the expenses are incurred. Expenses for services that are not within the scope of the provider’s license in the jurisdiction where the services are provided. 17. Braces and artificial limbs, except as specifically listed as a covered expense under the Plan. Artificial aids, prosthetic devices, corrective appliances, breast pumps and medical supplies, including, on an outpatient basis, enteral feeding substance and infant formula. 18. Expenses of treating complications resulting from services that are not covered benefits or are excluded from Coverage (such as, but not limited to, experimental procedures or surgery for obesity). 19. Expenses incurred on order of a court or as a condition of parole or probation. 20. Services that the Participant is entitled to as a result of class action or special group settlements, e.g., Agent Orange treatment programs and asbestosis indemnification funds. If specific treatment facilities are not stipulated by the responsible agency or group, the Plan will pay for eligible charges contingent on coordination of benefits or Subrogation rights. 21. Expenses resulting from any intentionally self-inflicted injury or illness. 22. Acupuncture expenses. 23. Dietary counseling for obesity, including weight reduction programs. 24. Enteral feeding substance, hyperalimentation solution, total parenteral nutrition, and infant formula on an outpatient basis, medical foods, except as listed specifically as a covered expense. 25. Hearing aids and all examinations for prescribing, fitting, or adjusting hearing aids; cochlear implants and all associated supplies and expenses. 26. Growth hormones. 27. Health appraisals, check-ups and immunizations for children and adults, except as specifically provided by the Plan. City of Fort Collins Group Health Plan 46 POS Summary Plan Description, 1/1/04 28. Medical report expenses, including preparation and presentation. 29. Routine exams, such as physical, premarital, school, employment, insurance, licensing, adoption, and camp exams, flight physicals and examination and treatment ordered by a court. 30. Travel expenses or transportation other than professional ambulance service. 31. Well-baby care, except as specifically provided by the Plan. 32. Wigs, hair implants, and similar supplies and procedures, even if there is a medical reason for the Participant’s loss of hair. 33. Custodial, chronic, maintenance, convalescent, and/or domiciliary care, Private Duty Nursing and Respite Care (except as specifically provided by the Plan through Hospice Care), rest cures, whether furnished in the home or in an institution, including nursing home or similar facility. 34. Post-mortem testing. 35. Products derived in whole or in part from blood or blood plasma, and special blood handling fees. 36. Personal comfort or convenience items or services obtained or rendered in our out of a Hospital or other facility, such as television, telephone, guest meals, articles for personal hygiene and any other similar incidental services and supplies. 37. Cosmetic Procedures and services performed for cosmetic reasons, whether or not due to a medical condition, including but not limited to the treatment of hair loss, except as specifically provided by the Plan. 38. Elective or voluntary enhancement procedures, services, supplies, and medications including, but not limited to weight loss, hair growth, sexual performance, athletic performance, cosmetic purposes, anti-aging, and mental performance. 39. New procedures, services, supplies and medications until they are reviewed for safety, efficacy, and cost effectiveness and approved as covered by the Plan. 40. Treatment or care for maxillary and mandibular osteotomies, and jaw or orthognathic conditions. 41. Orthognathic surgery and associated costs of each related to the treatment for misalignment or similar malfunction of the jaw joint, commonly known as termporomandibular joint problems or TMJ syndrome. 42. Special Service Clinics, centers or programs on an inpatient or outpatient basis. This includes but is not limited to clinics, centers or programs for: lactation; senior service; headaches; eating disorders; smoking cessation; personal goal-fulfillment therapy; premenstrual syndrome (PMS); stress management; inpatient or outpatient services of facilities, clinics, or centers that specialize in, or advertise their services for, the treatment of pain. 43. Dental services not covered include, but are not limited to:  general dental services and dental x-rays, including treatment on or to the teeth or gums;  any services customarily provided by a general dentist, an oral surgeon, or any other dental specialist;  any procedure involving osteotomy of the jaw;  periodontal treatment and/or surgery;  treatment or care of overbite or underbite; City of Fort Collins Group Health Plan 47 POS Summary Plan Description, 1/1/04  treatment or care for maxillary and mandibular osteotomies, and jaw or orthognathic conditions;  dental prosthetics, orthognathic surgery, and metallic bone cylinder implants (bone screws);  expenses for dental care in the treatment for misalignment or similar malfunction of the jaw joint, commonly known as temporomandibular joint problems or TMJ syndrome, including but not limited to splint therapy. Covered Services related to the treatment of TMJ must be preauthorized and are limited to $500 per Participant per Plan Year.  Hospital costs for dental surgery or other dental reasons, except for those listed specifically as covered by the Plan. 44. Treatments, procedures, devices and/or drugs which shall be deemed excluded as Experimental, Investigational, unproven, unusual, or not customary. The Plan shall have the discretionary authority to interpret this provision and determine all questions arising in the administration, interpretation and application of this provision, including determining what procedures, devices or drugs are Experimental, Investigational, unusual, not customary or unproven. All such determinations shall be final, conclusive and binding. Examples of experimental treatments, procedures, devices and/or drugs include but are not limited to:  orthomolecular medicine;  holistic medicine;  environmental medicine;  chelation therapy, unless Medically Necessary for the treatment of metal poisoning;  cytotoxin testing;  hair analysis;  colonics;  gene manipulation therapy;  medications that are experimental, investigative, or used in ways not approved by the Food and Drug Administration (FDA);  naturopathic services;  megavitamin therapy. 45. Vision services, except as specifically listed as a Covered Service. 46. Surgical treatment of morbid obesity, and treatment of any complications arising from such surgery. GENERAL LIMITS Benefits for any service provided a Participant during a Plan Year are limited cumulatively to the benefits covered by the Plan. The benefits a Participant can receive in a Plan Year will not increase due to a change in the Participant’s status or a change from group Coverage to Continuation Coverage. MAXIMUM BENEFITS The benefit maximums are in effect for covered Medically Necessary charges received from either Network or non-Network Providers combined. The aggregate lifetime benefit maximum under all Plan Options (POS, PPO, Network and non-Network Providers) per Participant is $2 million. Specific benefit maximums for particular services are shown under the sections entitled “Covered Expenses”. Medicare- eligible Retirees are covered for up to $100,000 in covered expenses per year, including $5,000 for prescription drugs. HOW TO CLAIM BENEFITS City of Fort Collins Group Health Plan 48 POS Summary Plan Description, 1/1/04 For all Plans, you will need to provide the Employee’s Social Security Number. For purposes of confidentiality, this number is NOT shown on identification cards. POS 1 BENEFITS To claim benefits under the POS 1, you must first select a provider who is a member of the One Health Plan provider network. Before services are obtained, verify with your provider whether he/she is a Preferred Provider; otherwise, you may be responsible for additional charges. Medical Claims (Physician Services). At the time you call a Physician for an appointment, you should confirm that he/she is a member of the Network. When you arrive at the Physician’s office, you must follow certain specific steps to ensure that the office staff recognizes you as a POS patient. Either present your health plan identification card, or follow these two steps:  First, identify yourself (or your Dependent) to the receptionist as a Participant in the City of Fort Collins Group Health Plan.  Second, you must specify that you are seeking benefits through the Plan’s POS option. You should inform the Physician’s staff that the City of Fort Collins Group Health Plan participates with One Health Plan. This information is listed on your health plan identification card. Don’t forget that you will also need to provide the Employee’s Social Security Number, which is no longer shown on your identification card. The Physician’s office will file on your behalf the claim with the claims administrator, and payment will be made directly to the Physician. The Physician may bill you only for your required Copayment. If a Network Provider requires full payment at the time of service, you should contact One Health Plan Customer Service at 1-800-663-8081. Hospital Claims. Hospital admissions must be in a facility contracting with One Health Plan. When admitted on an inpatient or outpatient basis, present your plan identification card to the admitting office, identify yourself (or your Dependent) as a Participant in the City of Fort Collins Group Health Plan, and inform the admitting office that you are seeking benefits through the Plan’s POS option. Be certain to complete all necessary forms presented to you. The Hospital will send the claim directly to the Plan Supervisor for payment, and payment will be made directly to the Hospital. Be sure to let the Hospital and any other providers know that your Coverage is through One Health Plan for Network benefits. POS 2 (non-Network) Providers A claim for non-Network Provider, Hospital, medical, surgical and prescription drug expenses or questions relating to the payment of a claim should be directed to the Plan Supervisor. You will need to complete the required claim form and obtain invoices from your providers. Claim forms are available on-line at www.onehealthplan.com; you’ll need to register as a member. Upon receipt of this information, file the claim directly with the Plan Supervisor at the following address: Great-West Health Care, Inc. O Box 11111 Fort Scott, KS 66701 To file a claim for non-Network providers, follow these four simple steps: First, obtain the proper claim form from the City’s Human Resources Department. Complete the form in its entirety to avoid claim processing delays, and be sure to sign your form. Also, remember that claims need to be filed under the Employee’s Social Security Number. A completed and signed form is required for each person for whom a claim is submitted. Be sure to attach an itemized billing, and mail the completed claim form to Great-West Health Care at the address shown above. Bills should include the following information on the provider’s letterhead stationery: City of Fort Collins Group Health Plan 49 POS Summary Plan Description, 1/1/04  name of the individual for whom expenses were incurred;  Physician bills should show the date of service, the diagnosis and the charge for each treatment;  nurse’s bills should show the date of service, the place and the hours of duty, the charge per day and the nurse's signature;  bills for other medical expenses such as oxygen, blood and X-rays on the provider’s billing letterhead, and should show the charges and the date the expense was incurred;  prescription drug bills should show the date of purchase and the name of the drug(s) for all prescription drugs purchased at a Network pharmacy or a non-network pharmacy. Second, if the claim information is complete as submitted and the claim is approved, payment will be made to you or the providers, depending on whether you have assigned benefits. If you assign benefits to the provider, payment will be made directly to the provider. If you have already paid the provider, do not assign benefits and payment will be made directly to you. Third, if your claim form is incomplete, Great-West Health Care will contact you or the provider for the required information. Fourth, benefits will be paid by the Plan only if notice of claim is made within 90 days from the date on which covered charges were first incurred. In no event shall benefits be allowed if notice of claim is made beyond a fifteen month period immediately following the date on which expenses were incurred, unless the City in its sole discretion determines that extenuating circumstances prevented timely filing of a claim. All claims must be filed in writing by completing such procedures as required. Such procedures may include the submission of documents and additional information. Any bills will usually contain all of the necessary information. However, Physician bills are sometimes incomplete. Claim payments may be expedited by having such bills prepared clearly and correctly by the provider before they are submitted. Frequently, delays in claim payment are the result of inaccurate or incomplete claims. Proof of Claim The Plan, at its own expense, shall have the right and opportunity to examine the person of any Participant when and so often as it may reasonably require during the pendency of any claim, and also the right and opportunity to an autopsy in case of death where it is not forbidden by law. Proof of claim forms, as well as other forms, and method of administration and procedure will be determined solely by the Plan. Explanation of Benefits (POS 2 Only) After your claim has been processed, you will receive in the mail from Great-West an Explanation of Benefits (EOB), which notifies you of the manner in which your claim was handled. If payment was made to a provider, the amount of the payment will be shown on the EOB, together with an accounting of all the charges rendered. If no payment has been made, the EOB will provide you with the reason payment has been reduced or denied. The EOB will specify the amount you are required to pay. If you have any questions about information contained on any EOB, please call Great-West. If an EOB shows a charge for a service you did not receive, please notify Great-West immediately. Please use your EOB when filing claims through the medical Flexible Spending Account. Reporting Changes by Participants It is important that the City’s Human Resources Department be notified whenever a change in any of the following occurs: City of Fort Collins Group Health Plan 50 POS Summary Plan Description, 1/1/04  a change in your address, so that records are kept up-to-date if you need to be contacted about any matter concerning your benefit Coverage; or  any change in your family status, such as marriage or divorce, birth of a child, the marriage of or the loss of Dependent student status by a Dependent child, or the death of any Dependent. Charges incurred by any ineligible Dependent will be your responsibility. If You Need Assistance Eligibility: if you have any questions about eligibility for Coverage under the Plan, please do not hesitate to contact the Human Resources Office at 221-6535. Plan Provisions: if you have any questions about specific Plan provisions (including prescription drugs), requirements or claim payments, you should contact Great-West Health Care at 1-800-663-8081. Coordination of Benefits Coordination of Benefits applies to persons who are covered by more than one group health plan so that each plan pays its proper share of benefits. If you or any of your Dependents are covered by another group insurance plan, you will need to provide information regarding other Coverage when you file a claim. If this Plan pays secondary to another plan of benefits, the benefits paid by this Plan are reduced so that the benefits payable under all plans do not exceed 100% of the eligible charges incurred. If you or any of your covered Dependents are covered by a motor vehicle policy which provides for Coverage of medical expenses resulting from accidental injury, claims should be submitted first to those other policies for payment. Benefits payable by the Plan shall be reduced by the benefits payable by those other polices. Only after benefits have been determined by those other policies should claims be submitted to the Plan. If benefits have been paid out by the Plan, the Plan shall have the right to recover from you, the motor vehicle insurer the value of benefits that should have paid by those plans. At its discretion, the Plan reserves the right to suspend future benefit payments in order to recover benefits that should have been paid by other plans. If there are two group plans providing Coverage for you and your eligible Dependents, a determination must be made as to how the plans coordinate payment, and which plan pays first. These are the general guidelines that are used to determine which plan pays first: A. Employee/Dependent Rule 1. The plan which covers the Participant as an Employee pays first. 2. The plan which covers the Participant as a Dependent pays second. B. Dependent children of parents NOT separated or divorced 1. The plan which covers the parent whose birthday falls earlier in the year pays first; the plan which covers the parent whose birthday falls later in the year pays second. The birthday order is determined by month and day, and not by year of birth. 2. If both parents have the same month and day of birth, the plan which covered the parent longer will pay first; the plan which covered the parent for a shorter period of time pays second. C. Dependent children of separated or divorced parents 1. The plan of the parent with custody of the child pays first. 2. The plan of the Spouse of the parent with custody (i.e., the stepparent) pays second. 3. The plan of the parent not having custody of the child pays third. 4. The plan of the Spouse of the parent not having custody pays fourth. 5. However, if there is a court decree which would otherwise establish financial responsibility for medical or other health care expenses with respect to the child, the plan which covers the parent City of Fort Collins Group Health Plan 51 POS Summary Plan Description, 1/1/04 with such financial responsibility shall be determined before the benefits of any other plan which covers the child as a Dependent. D. Active/Inactive 1. The plan which covers the Participant as an active Employee or Dependent of an active Employee pays first. 2. The plan which covers the Participant as a retired or otherwise inactive Employee or Dependent of a retired or otherwise inactive Employee pays second. E. Longer/Shorter 1. If the rules cited above cannot adequately determine the order of benefits, then the plan which has covered the patient for a longer period of time will pay first. F. COBRA 1. When a Participant’s Coverage under this Plan is COBRA Coverage, this Plan will determine its benefits after benefits are determined on a primary basis under the other plan. In no event will benefits received from this Plan and all other plans combined exceed the total of eligible charges incurred. For purposes of coordination of benefits, the Plan may obtain claim information from any individual or organization. In addition, any Participant claiming benefits from the Plan shall furnish the Plan with any information the Plan may require. If any overpayment is made by the Plan because of a Participant’s failure to report other Coverage or any other reason, the Plan has the right to recover such excess payment from any individual to whom or for whom overpayments were made. The Plan reserves the right to suspend future benefit payments in order to recover such overpayments. Coordination of Benefits with Medicare Benefits under the Plan are not designed to duplicate any benefit to which you are entitled under the Social Security Act. If you and/or one of your covered Dependents are covered by Medicare, special rules about the order of payment apply, and benefits will be coordinated in compliance with current federal regulation. The Plan pays first and Medicare pays second when you are an active Employee and you or your covered Dependent is enrolled for Medicare. When the Plan pays first, you receive the same benefits as all other covered Participants. Medicare pays first and the Plan pays second when you are not an active Employee and you or your covered Dependent are entitled to Medicare, regardless of whether you have actually enrolled in Medicare Part A or Part B. Benefits are payable by the Plan without regard to entitlement to Medicare as an End Stage Renal Disease (ESRD) beneficiary for the first 30 months of Medicare entitlement. Benefits are payable after Medicare benefits whether or not you or your Spouse is eligible for Medicare as an ESRD beneficiary, or you or your Spouse are disabled at any age. If you have any questions about Medicare benefits, you should contact your local Social Security office. HMO Coordination of Benefits HMOs have special provisions for coordinating benefits. If you are an HMO Participant, you should contact the HMO regarding these provisions. No Fault Insurance City of Fort Collins Group Health Plan 52 POS Summary Plan Description, 1/1/04 Prior to July 1, 2003, the State of Colorado requires no fault automobile insurance, including medical Coverage. The Plan assumes that Participants are covered for the required level of medical insurance under an automobile policy, and will not pay any charges that should be covered by automobile insurance. If the medical Coverage under the automobile policy exceeds the required level of Coverage, this Plan will coordinate benefits with those Coverages in effect. The Plan does not coordinate benefits relating to any other person injured in a motor vehicle Accident if the injured person is a non-owner operator, passenger or pedestrian or any other person not covered by No Fault Automobile Insurance. After July 1, 2003, this requirement is lifted. Injuries to Participants may be covered by the Plan, provided those charges are eligible for Coverage under the Plan. Injuries to persons not participating in the Plan are not covered. Therefore, you should consult your personal insurance agent to determine what adjustments should be made to your automobile insurance policy. Subrogation (The Right to Third Party Payment) If the Plan pays benefits to you or a covered Dependent that are later determined to be the legal responsibility of another person or company, the Plan has the right to recover these payments from you. You will be asked to sign a Subrogation form at the time of claim. You should know that the Plan will be refunded for any payments you receive from the Plan which have also been paid to you by a third party. This right of Subrogation applies also to payments that are received through homeowners’ insurance. In the event of a Participant’s death or incapacity, the responsibility for reimbursing the Plan shall be assumed by the Participant’s guardian or estate. Failure to comply with these Subrogation requirements may, at the Plan’s discretion, result in the forfeiture of benefits under the Plan. The Plan reserves the right to suspend future benefit payments in order to recover benefits paid by a third party. Fraudulent Claims Plan Participants are responsible for the accuracy of the claims submitted for themselves and their eligible Dependents. Anyone who knowingly submits a fraudulent claim under the Plan will forfeit immediately Coverage under the Plan and will be subject to disciplinary action, up to and including termination of employment. Submission of fraudulent claims may also result in criminal and/or civil liability. APPEALS If you disagree with the manner in which a claim has been processed because you believe Plan provisions have been misapplied, the Plan provides for a specific appeals procedure. First, call Great-West Health Care, and ask them to explain the manner in which your claim was handled. You should have your Explanation of Benefits with you for reference. Second, if you still disagree with the result of your claim processing, contact the City’s Human Resources Department to confirm the information provided by Great-West Health Care. Third, if you still disagree with the outcome of your claim’s disposition, you may submit a written appeal to the City’s Benefits Administrator. Be sure to include the specific reason why you believe the Plan’s provisions were misapplied. Such an appeal must be made within sixty (60) days from the date shown on the denial or reduction of benefits. In your written appeal, state the specific reasons for your disagreement with the disposition of your claim. You will receive a written response to your appeal as soon as possible, but not later than 120 days after receipt of your appeal by the Benefits Administrator. The written response will include specific reference to Plan provisions applicable to your appeal. The decision of the City or its designee with respect to your appeal will be final and binding on all parties. DEFINITIONS Accident means an unexpected event that could not have been foreseen and that causes physical injury to the Participant. City of Fort Collins Group Health Plan 53 POS Summary Plan Description, 1/1/04 Acute Care means a pattern of health care in which a patient is treated for an acute (immediate and severe) episode of illness, for the subsequent treatment of injuries to an Accident or other trauma, or during recovery from surgery. Acute Care is usually given in a Hospital by specialized personnel using complex and sophisticated technical equipment and materials. Unlike Chronic Care, Acute Care is often necessary for only a short time. Acute Condition means an immediate and severe episode of illness or the treatment of injuries related to an Accident or other trauma, or during recovery from surgery. Administrative Agreement means the agreement between the Plan Sponsor and the Plan Supervisor for the provision of administrative services. This agreement is part of the Plan Documents. Cardiac Rehabilitation means a structured program provided to individuals following acute cardiac episodes. Cardiac Rehabilitation services are provided on an outpatient basis. Chronic Care means a pattern of care that focuses on long-term care of individuals with chronic (long- standing, persistent) diseases or conditions. It includes care specific to the problem as well as other measures to encourage self-care, to promote health, and to prevent loss of function. Coinsurance means the amount, expressed as a percentage, of a covered expense that is paid by the Participant Common Law Marriage means evidence of cohabitation as husband and wife, and general reputation that the two individuals are living together as husband and wife and claiming to be such. By general reputation is meant the understanding among the neighbors and acquaintances with whom the parties associate in their daily lives, that they are living together as husband and wife, and not that they are merely living together. Common Law Spouse means a party to a Common Law Marriage. Continuation Coverage means Coverage which may be available to a terminated Participant, as mandated or required by Section 10-17-135 C.R.S., Title X, Consolidated Omnibus Budget Reconciliation Act of 1985, as amended, or any other applicable law. Copayment means the amount, expressed as a fixed-dollar figure, of a covered expense that is paid by the Participant. Cosmetic Procedures means those procedures which change physical appearance, but which do not correct or materially improve a physiological function, and therefore are not Medically Necessary. Coverage means the right of a Participant to receive services under the Plan, subject to the terms, limitations and Exclusions of the Plan. Covered Person means any individual meeting the definition of a Participant. Covered Service means a Medically Necessary service that is specifically provided for under the provisions of the Plan. A Covered Service must always be Medically Necessary, but not every Medically Necessary service is a Covered Service. For example, some elements of custodial or Maintenance Care, which are excluded from Coverage, may be Medically Necessary, but nevertheless are not covered. Creditable Coverage means coverage provided under Medicare or Medicaid; an Employee welfare benefit plan or group health insurance or health benefit plan; an individual health benefit plan; a state health benefits risk pool (including, but not limited to, the Colorado uninsurable health insurance plan); or Chapter 55 of Title 10 of the United States Code, a medical care program of the federal Indian health Service or of a tribal organization, a health plan offered under Chapter 89 of Title 5, United States Code, a City of Fort Collins Group Health Plan 54 POS Summary Plan Description, 1/1/04 public health plan, or a health benefit plan under Section 5(e) of the federal “Peace Corps Act” [22 U.S.C. Sec 2504(e)]; and there was no gap in coverage of more than sixty-three (63) days between such individual policies and the most recent coverage ended not more than ninety (90) days prior to the effective date of this Coverage. Custodial Care means any skilled or non-skilled health services, or personal comfort or convenience related services, which provide general maintenance, supportive, preventive and/or protective care. Custodial Care:  does not seek a cure.  can be provided in any setting.  may be provided between periods of acute or intercurrent health care needs.  is care provided to an individual whose health services requirements are stabilized and whose current medical condition is not expected to significantly and objectively improve or progress over a specified period of time. Custodial Care may include the supervision or participation of a Physician, licensed nurse, or registered therapist as necessary or desirable service. The mere participation of these professionals does not preclude the services as being custodial in nature. If the nature of the services can be safely and effectively performed by a trained non-medical person, the services are custodial. Further, Custodial Care and the nature of those services are not altered by the availability of the non-medical person. Custodial Care may also be referred to as maintenance, domiciliary, respite, and/or convalescent care. Deductible means a specified amount of money that the Participant is responsible for paying prior to receiving reimbursement of a Covered Service. Dependent means the Employee’s legal Spouse and never-married natural children from birth, or never- married legally adopted children, until the end of the month in which they attain age nineteen (twenty-five if attending on a full-time basis an accredited high school, college, university or vocational, technical or trade school); and  never-married step children residing with the Employee in a regular parent-child relationship; never- married adopted children (from date of placement); never-married children for whom the Employee has assumed legal guardianship; and  any child incapable of self-sustaining employment by reason of mental or physical impairment, who resides with the Employee and who became incapable of self-support prior to having attained age nineteen (notification of such impairment must be submitted to the claims administrator within thirty- one days after the date the Dependent child’s Coverage would otherwise terminate); and  or any child for whom the Employee or Spouse is responsible for medical or other health care benefits under a Qualified Medical Child Support Order. No other persons are eligible to be a Dependent for purposes of Coverage under the Plan. If a Dependent child of an Employee gives birth, that child is not eligible for Coverage under the Plan unless the Employee assumes legal guardianship of the grandchild or adopts the grandchild. Proof of dependency status may be required from time to time by the Employer. Designated Transplant Facility means a facility selected by the Plan Supervisor to provide covered transplant benefits. Durable Medical Equipment means items of medical equipment owned or rented that are placed in the home of the patient to facilitate treatment and/or rehabilitation. Generally, these are items that can withstand repeated use, are primarily and customarily used to serve a medical purpose, and are usually not useful to an individual in the absence of illness or injury. City of Fort Collins Group Health Plan 55 POS Summary Plan Description, 1/1/04 Effective Date of Coverage means the date that Coverage under the Plan becomes effective. The Effective Date of Coverage for the Plan is stated in this Summary Plan Description. Emergency Medical Condition means an event or medical condition which the Participant, acting as a prudent layperson, reasonably believes threatens his or her life or limb in such a manner that a need for immediate medical care is created to prevent death or serious impairment of health. Emergency Services means inpatient and outpatient services that are furnished by a provider qualified to furnish Emergency Services, and that are needed to evaluate or stabilize an Emergency Medical Condition. Employee means all classified Employees, unclassified management Employees, contractual Employees whose specific employment contracts state they are eligible for Employer-sponsored medical insurance as long as such Employees are regularly scheduled to work at least 20 or more hours per week. In addition, certain hourly (with benefits) Employees are eligible for benefits, provided their job codes fall within the range 2000-2399 and they work at least 30 hours per week for 26 weeks or more in a 12-month period. Employer means the City of Fort Collins, Colorado; the Poudre Fire Authority; the Downtown Development Authority; and the Northern Front Range Transportation and Air Quality Planning Council. Exclusion means any provision of the Plan whereby Coverage for a specific service or condition is entirely eliminated regardless of Medical Necessity. Experimental, Investigational, Unproven, Unusual, or Not Customary Treatments, Procedures, Devices, and/or Drugs Not Covered means treatments, procedures, devices and/or drugs that:  cannot be lawfully marketed without the approval of the Food and Drug Administration (FDA) or other governmental agency and such approval has not been granted at the time of its use or proposed use, or  is the subject of a current investigational new drug or new device application on file with the FDA, or  is being administered for non FDA-approved indications, or  is being provided pursuant to a Phase I or Phase II clinical trial or as the experimental or research arm of a Phase III clinical trial, or  is being provided pursuant to a written protocol which describes among its objectives determinations of safety, toxicity, effectiveness or effectiveness in comparison with conventional alternatives, or  is being delivered or should be delivered subject to the approval and supervision of an Institutional Review Board (IRB) as required and defined by federal regulations, particularly those of the FDA or the Department of Health and Human Services (HHS), or  the predominant opinion among experts as expressed in the published authoritative literature is that further research is necessary in order to define safety, toxicity, effectiveness or effectiveness compared with conventional alternatives, or  is not a covered benefit under Medicare as determined by the Centers for Medicare and Medicaid Services (CMS) of HHS, or  is Experimental, Investigational, Unproven, Unusual or Not Customary or is not generally acceptable medical practice in the predominant opinion of independent experts, or City of Fort Collins Group Health Plan 56 POS Summary Plan Description, 1/1/04  a majority of a representative sample of not less than three health insurance or benefit providers or administrators consider the requested treatment, procedure, device or drugs to be Experimental, Investigational, Unproven, Unusual or Not Customary based upon criteria and standards regularly applied by the industry, or  is not experimental or investigational in itself pursuant to the above, and would not be Medically Necessary, but for being provided in conjunction with the provision of a treatment, procedure, device or drug which is Experimental, Investigational, Unproven, Unusual or Not Customary. Home Health Care means Medically Necessary services prescribed by a Physician in lieu of inpatient confinement in a Hospital, convalescent nursing home, or a Skilled Nursing Facility; such services must be provided through an organization or agency which meets the requirements of Medicare. Hospice Care means a system, both inpatient and outpatient, of supportive and palliative family-centered care designed to assist the terminally ill individual to be comfortable and to maintain a satisfactory lifestyle through the terminal phases of dying. Hospital means an institution licensed and operated pursuant to law which is primarily engaged in providing health services on an inpatient basis for the cure and treatment of injured or sick individuals through medical, diagnostic and surgical facilities (including a surgical facility which has a bona fide arrangement, by agreement or otherwise, with an accredited Hospital to perform such surgical procedures) by, or under the supervision of, a staff of Physicians and which has twenty-four (24) hour nursing services. A Hospital is not primarily a place of rest or Custodial Care of the aged, and is not a nursing home, convalescent home or similar institution. A Network Hospital is one that is accredited as a by the Joint Commission on Accreditation of Health Care Organizations (JCAHCO) and maintains contractual agreements with the Plan Supervisor. Intensive Care means constant, complex, detailed health care requiring special training and provided in various acute, life threatening conditions. Level of Care means the intensity of effort required to diagnose, treat, preserve, or maintain any Participant’s current physical or emotional status. Depending on what the current Level of Care is determined to be, from time to time, the Plan will have complete, limited or no responsibility to provide the services appropriate to that level. Redetermination of Status and the appropriate Level of Care will be made by the Network Primary Care Physician and the Plan Supervisor. Terms commonly used to identify Levels of Care include, but are not limited to: acute, chronic, emergency, rehabilitation, intensive, custodial, domiciliary, maintenance, skilled nursing, Private Duty Nursing, and hospice. Lifetime Maximum means the maximum total aggregate dollar amount payable by the Plan for benefits on behalf of any Participant during the Participant’s lifetime. This total aggregate dollar amount includes all benefits received from any portion of the City of Fort Collins Group Health Plan, including POS and PPO. Limits means any provision, other than an Exclusion, which restricts Coverage under the Plan, regardless of Medical Necessity. Location of Care means the setting in which Covered Services, appropriate for the Participant’s current Level of Care, are provided. Terms commonly used to identify locations of care include, but are not limited to: Physician’s office, outpatient department or facility, emergency room or facility, general/Acute Care Hospital, rehabilitation Hospital, psychiatric Hospital, specialty Hospital, Skilled Nursing Facility, and home. Maintenance Care means all services that are provided solely to maintain a patient’s condition at the level to which it has been restored or stabilized, and from which level no significant practical improvement can be expected. City of Fort Collins Group Health Plan 57 POS Summary Plan Description, 1/1/04 Medical Director means the Physician so named by the Plan Supervisor as the Medical Director, or his or her designee. Medically Necessary means an intervention that is a covered category of service and is not specifically excluded. An intervention may be medically indicated yet not be a covered benefit or meet the definition of Medically Necessary. An intervention is Medically Necessary if, as recommended by the treating Physician and determined by the Medical Director of the Plan Supervisor or the Network medical group, it is all of the following: (a) a health intervention for the purpose of treating a medical condition; and (b) the most appropriate supply or level of service, considering potential benefits and harms to the Participant; and (c) known to be effective in treating the medical condition. For existing interventions, effectiveness is determined first by scientific evidence, then by professional standards, then by expert opinion. For new interventions, effectiveness is determined by scientific evidence; and (d) if more than one health intervention meets the requirements of (a) through (c) above, furnished in the most cost-effective manner which may be provided safely and effectively to the Covered Person. In applying the above definition of Medical Necessity, the following terms shall have the following meanings: i. A health intervention is an item or service delivered or undertaken primarily to treat (that is, prevent diagnose, detect, treat or palliate) a medical condition or to maintain functional ability. A medical condition is a disease, illness, injury, genetic or congenital defect, pregnancy, or a biological condition that lies outside the range of normal, age-appropriate human variation. A health intervention is defined by the intervention itself, the medical condition and the patient indications for which it is being applied. ii. Effective means that the intervention can reasonably be expected to produce the intended results and to have expected benefits that outweigh potential harmful effects. iii. Scientific evidence consists primarily of controlled clinical trials that either directly or indirectly demonstrate the effect of the intervention on health outcomes. If controlled clinical trials are not available, observational studies that suggest a causal relationship between the intervention and health outcomes can be used. Such studies do not by themselves demonstrate a causal relationship unless the magnitude of the effect observed exceeds anything that could be explained either by the natural history of the medical condition or potential experimental biases. For existing interventions, the scientific evidence should be considered first and, to the greatest extent possible, should be the basis for the determinations of Medical Necessity. If no scientific evidence is available, professional standards of care should be considered. If professional standards of care do not exist, or are outdated or contradictory, decisions about existing interventions should be based on expert opinion. Giving priority to scientific evidence does not mean that Coverage of existing interventions should be denied in the absence of conclusive scientific evidence. Existing interventions can meet the definition of Medical Necessity in the absence of scientific evidence if there is a strong conviction of effectiveness and benefit expressed through up-to-date and consistent professional standards of care or, in the absence of such standards, convincing expert opinion. iv. A new intervention is one which is not yet in widespread use for the medical condition and patient indications being considered. New interventions for which clinical trails have not been conducted because of epidemiological reasons (i.e., rare or new diseases or orphan populations) shall be evaluated on the basis of professional standards of care. If professional standards of care do not exist, or are outdated or contradictory, decisions about such new interventions should be based on convincing expert opinion. City of Fort Collins Group Health Plan 58 POS Summary Plan Description, 1/1/04 v. An intervention is considered cost effective if the benefits and harms relative to costs represent an economically efficient use of resources for patients with this condition. Medicare means Part A (Hospital coverage) and Part B (Physician coverage) of the insurance program established by Title XVIII, United States Social Security Act, as later amended, 42 U.S.C. Sections 1394, et seq. Network Provider means any Physician, Physician specialist, Skilled Nursing Facility, individual, organization, agency or other provider who/which has entered into a contractual arrangement with the Plan Supervisor for the provision of Covered Services to Participants in accordance with the Plan. The Plan Supervisor may contract with a provider for a specified member, a specified period of time and/or a specified service. In that case, the provider is a Network Provider only for the service(s) contracted and/or for the designated period. Open Enrollment Period means the period of time designated by the Employer during which Employees may enroll for Coverage under the Plan and enrolled Employees amend their Coverage elections. Participant means each eligible Employee, Retiree, Dependent and Qualified Beneficiary who is enrolled to receive benefits from the Plan. Physician means Physician and surgeon (M.D. or D.O) licensed to practice medicine in the state in which he or she practices. The term Physician may include a dentist, podiatrist, chiropractor, certified nurse midwife or nurse practitioner. Physician may also include licensed psychologists, licensed clinical social workers or clinical specialist psychiatric registered nurses to the extent they are rendering services which they are legally qualified and licensed to perform, and licensed practitioners rendering counseling and therapy services under the direction and supervision of a licensed psychologist or M.D. Physician Assistant means an individual who is qualified to provide patient services under the supervision and responsibility of a Physician, and is currently certified by the state in which he or she practices. Plan means the City of Fort Collins Group Health Plan, as amended from time to time. Plan Administrator means The City of Fort Collins. Plan Documents means the legal documents encompassing the provisions of the Plan. These include this summary plan description, the annual open enrollment booklet, the administrative services agreement between the City of Fort Collins and the Plan Supervisor, the stop loss insurance contract between the City and the stop loss insurance carrier, The City of Fort Collins Flexible Benefits Plan document and The City of Fort Collins Group Health Plan Document. Plan Sponsor means the City of Fort Collins. Plan Supervisor means the entity retained by the City of Fort Collins for purposes of administering the Plan’s provisions. Plan Year means the period that begins January 1 and ends December 31 each year. Preferred Drug List means a listing of brand name prescription medications that are provided by a network pharmacy for a Copayment of $15 per thirty-day supply (to 100 tablets) or $30 per three-month supply through the mail order prescription drug program. This list is subject to change by the Plan Supervisor. Primary Care Physician means a Physician so designated by the Plan Supervisor who:  supervises, coordinates and provides medical care to Covered Persons; and  maintains continuity of patient care. City of Fort Collins Group Health Plan 59 POS Summary Plan Description, 1/1/04 Private Duty Nursing means full-shift continuous attention of a licensed nurse. Qualified Beneficiary means a Participant who becomes eligible for Continuation Coverage. Qualifying Event means an occurrence which triggers a person’s right to continuation of Coverage under the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA), as amended. Reasonable and Customary (R&C) Charges means the amount of a provider’s bill that can be reasonably justified by the circumstances involved. Such circumstances include the Level of Care and experience needed, the prevailing or common cost of the supplies and services and any other factors that determine value. The determination and application of R&C Charges is made by the Plan Supervisor. Reconstructive Surgery means surgery performed on abnormal structures of the body, caused by congenital defects, developmental abnormalities, trauma, infection, tumors or disease. It is generally performed to improve function, but may also be done to approximate normal appearance. Redetermination of Status means the right and process by which the Plan Supervisor may review the Level of Care to identify changes in a Participant’s status and prognosis. This may result in a different determination of Level of Care and a different level of the Plan’s responsibility for covered benefits. Each such determination will supersede earlier determinations and the Plan’s obligation for Coverage provided. Rehabilitation Facility means a facility that is recognized by the Plan and licensed or certified to perform rehabilitative health care services by the state or jurisdiction where services are provided. Services of such a facility must be among the Covered Services recognized by the Plan. Rehabilitative Care means the restoration of an individual to normal or near-normal function following a disabling disease, injury or addiction. Respite Care means the provision of infrequent and temporary substitute care in a patient’s home or licensed facility for the purpose of relieving the patient’s family or other caregiver for unforeseen emergencies and the daily demands of care for the patient. Retiree means an Employee who has ten (10) or more years of eligible service completed with the Employer in a classified position or an unclassified management position, and who is eligible to file for receipt of retirement benefits, or who is totally and permanently disabled and has ten (10) or more years of eligible service completed with the Employer in a classified position or unclassified management position and has exhausted his/her COBRA continuation period. Skilled Nursing Care means those home health services that:  can only be provided by an RN or LPN;  can produce the best possible and most timely outcome for a disease process and/or treatment regimen according to a professional assessment and plan;  cannot be made available outside of the home because of the immediate home-bound nature of the Covered Person;  can furnish reliable information to the Network Physician and the Plan Supervisor’s Medical Director sufficient for proper determination of the status of the Participant’s condition and the Level of Care required of that condition. Skilled Nursing Facility means a lawfully operated institution for the care and treatment of persons convalescing from an accidental bodily injury or illness which provides room and board and 24-hour nursing service by licensed nurses and is under the full-time supervision of a legally qualified Physician or a registered nurse. Spouse means a husband or wife, as recognized by Colorado state law. City of Fort Collins Group Health Plan 60 POS Summary Plan Description, 1/1/04 Subacute Care Facility means a facility which provides a pattern of health care in which a patient is treated for an ongoing condition as a result of an acute injury or illness. A subacute facility specializes in care which does not require acute hospitalization but is more intensive than can be provided in a Skilled Nursing Facility. Subrogation means the assumption by a third party of another’s legal right to collect a debt or damages. Substance Abuse means intentional habitual and excessive misuse of alcohol or drugs resulting in the need for medical treatment. Terminally Ill Patient means a Participant with a life expectancy of six months or less as certified in writing by a Physician. OTHER IMPORTANT PLAN INFORMATION Plan Sponsor: The City of Fort Collins is the sponsor of this self-funded health Plan. If you have questions about eligibility or if you wish to appeal a claim decision made by the Plan Supervisor you may address correspondence to: Benefits Administrator Human Resource Department City of Fort Collins PO Box 580 Fort Collins, CO 80522 Phone: (970) 221-6535 Plan Supervisor: Great-West Health Care is the designated Plan Supervisor, which pays claims, administers the provider network through One Health Plan, provides utilization review and case management services, and provides prescription drug benefits through AdvancePCS. Questions about specific plan provisions or particular claims, including prescription drugs, should be addressed to: Great-West Health Care PO Box 11111 Fort Scott, KS 66701 Phone: 800-663-8081 Group Number: 359613 Provider Credentialing: If any of your providers do not participate currently with the One Health Plan Network, you may wish to encourage your provider(s) to join the network. Information for prospective providers is available at www.onehealthplan.com, along with the application to join the network.