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Triple Choice Plan Summary Plan Description

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Triple Choice Plan Summary Plan Description BENEFIT OPTIONS Triple Choice Plan Summary Plan Description EFFECTIVE JANUARY 1, 2021 Amended April 30, 2021 www.benefitoptions.az.gov TABLE OF CONTENTS ARTICLE 1 PLAN MODIFICATION, AMENDMENT AND TERMINATION 1 ARTICLE 2 ESTABLISHMENT OF PLAN 4 ARTICLE 3 ELIGIBILITY AND PARTICIPATION 5 ARTICLE 4 PRE-CERTIFICATION/PRIOR AUTHORIZATION AND NOTIFICATION FOR MEDICAL SERVICES AND PRESCRIPTION MEDICATION 16 ARTICLE 5 CASE MANAGEMENT / DISEASE MANAGEMENT AND INDEPENDENT MEDICAL ASSESSMENT 21 ARTICLE 6 TRANSITION OF CARE 23 ARTICLE 7 SCHEDULE OF MEDICAL BENEFITS COVERED SERVICES AND SUPPLIES 24 ARTICLE 8 PRESCRIPTION DRUG BENEFITS 53 ARTICLE 9 EXCLUSIONS AND GENERAL LIMITATIONS 59 ARTICLE 10 COORDINATION OF BENEFITS AND OTHER SOURCES OF PAYMENT 64 ARTICLE 11 CLAIM FILING PROVISIONS AND APPEAL PROCESS 72 ARTICLE 12 ADMINISTRATION 82 ARTICLE 13 LEGAL NOTICES 84 ARTICLE 14 MISCELLANEOUS 94 ARTICLE 15 PLAN IDENTIFICATION 95 ARTICLE 16 DEFINITIONS 97 www.benefitoptions.az.gov ARTICLE 1 PLAN MODIFICATION, AMENDMENT AND TERMINATION The Plan Sponsor reserves the right to, at any time, amend, change or terminate benefits under the Plan; to amend, change or terminate the eligibility of classes of employees to be covered by the Plan; to amend, change, or eliminate any other Plan term or condition; and to terminate the whole Plan or any part of it. No consent of any Member is required to terminate, modify, amend or change the Plan. Termination of the Plan will have no adverse effect on any benefits to be paid under the Plan for any covered medical expenses incurred prior to the termination date of the Plan. When a change or amendment happens, a Summary of Material Modification (SMM) will be attached to this Summary Plan Description (SPD). The Plan Sponsor will send you a new SPD, SMM, or Amendment. This Plan document is effective January 1, 2021 and supersedes all Plan Descriptions and all enrollment guides previously issued by the Plan Sponsor. Summary of the material modifications distributed April 30, 2021: Benefit Section and Detail of Change Article 3 Eligibility and Participation To remain compliant with CMS regulations for the treatment of HIPAA Special Enrollment situations. 3.10 Qualified Life Event Enrollment Added the following paragraph and updated the Qualified Life Event Enrollment chart: If you request a change due to a HIPAA special enrollment event within the 31-day timeframe, coverage for birth, adoption, or placement for adoption will become effective on the date of birth, adoption or placement for adoption. For all other HIPAA Special Enrollment events, coverage will become effective the earlier of (a) the first day of the first pay period following your request for AZ Benefit Options 1 TCP 01012021_V2 enrollment or (b) the first day of the next month following your request for enrollment. Clarify coverage termination date for non-payment of premium: 3.12 Termination of Coverage Coverage for all Members/Dependents ends at 11:59 p.m. on the date the Plan is terminated. Failure to pay employee premiums could result in retroactive termination to the last day of the pay period which premium was paid through. The employee and their dependents will not be allowed to re-enroll until the following Open Enrollment period. Termination of coverage prior to that time is described in the table below. … Article 13 Legal Notices To remain compliant with CMS regulations for the treatment of HIPAA Special Enrollment situations. 13.2 Notice of Special Enrollment Rights for Health Plan Coverage If you decline enrollment in the State of Arizona’s health plan for you or your Dependents (including your Spouse) because of other health insurance or group health plan coverage, you or your Dependents may be able to enroll in the State of Arizona Employee’s health plan without waiting for the next Open Enrollment period if you: ● Lose other health insurance or group health plan coverage. You must request enrollment within 31 days after the loss of other coverage. ● Gain a new Dependent as a result of marriage, birth, adoption or placement for adoption. You must request health plan enrollment within 31 days after the marriage birth, adoption, or placement for adoption. AZ Benefit Options 2 TCP 01012021_V2 ● Lose Medicaid or Children’s Health Insurance Program (CHIP) coverage because you are no longer Eligible. You must request medical plan enrollment within 60 days after the loss of such coverage. If you request a change due to a special enrollment event within the 31-day timeframe, coverage will be effective on the date of birth, adoption or placement for adoption. For all other events, coverage will become effective the earlier of (a) the first day of the first pay period following your request for enrollment or (b) the first day of the next month be effective the first day of the first pay period following your request for enrollment. In addition, you may enroll in the State of Arizona’s health plan if you become eligible for a state premium assistance program under Medicaid of CHIP. You must request enrollment within 60 days after you gain eligibility for medical plan coverage. If you request this change, coverage will be effective the first day of the first pay period following your request for enrollment. Specific restrictions may apply, depending on federal and state law. Note: If your Dependent becomes eligible for special enrollment rights, you may add the Dependent to your current coverage or change to another health plan. AZ Benefit Options 3 TCP 01012021_V2 ARTICLE 2 ESTABLISHMENT OF PLAN 2.1 Purpose The Plan Sponsor established this Plan to provide for the payment or reimbursement of covered medical expenses incurred by Plan Members. 2.2 Exclusive Benefit This Plan is established and shall be maintained for the exclusive Benefit of Eligible Members. 2.3 Compliance This Plan is established and shall be maintained with the intention of meeting the requirements of all pertinent laws. Should any part of this Plan Description for any reason be declared invalid, such decision shall not affect the validity of any remaining portion, which remaining portion shall remain in effect as if this Description has been executed with the invalid portion thereof eliminated. 2.4 Legal Enforceability The Plan Sponsor intends that terms of this Plan, including those relating to coverage and Benefits provided, are legally enforceable by the Members, subject to the Employer’s retention of rights to amend or terminate this Plan as provided elsewhere in this Plan Description. 2.5 Note to Members This Plan Description describes the circumstances when this Plan pays for medical care. All decisions regarding medical care are up to the Member and his Physician. There may be circumstances when a Member and his Physician determine that medical care, which is not covered by this Plan, is appropriate. The Plan Sponsor and the Third Party Claim Administrator do not provide or ensure quality of care. Each Third Party Claim Administrator network contracts with the in-network providers under this Plan. These providers are affiliated with their PPO Networks and the Travel Network and do not have a contract with the Plan Sponsor. AZ Benefit Options 4 TCP 01012021_V2 ARTICLE 3 ELIGIBILITY AND PARTICIPATION 3.1 Eligibility The Plan is administered in accordance with Section 125 Regulations of the Internal Revenue Code and the Arizona Administrative Code. ADOA Human Resources-Benefits will provide potential Members reasonable notification of their eligibility to participate in the Plan as well as the terms of participation. Both ADOA Human Resources-Benefits and the Third Party Claim Administrator have the right to request information needed to determine an individual’s eligibility for participation in the Plan. Please see Article 16 for definitions of the terms used below. 3.2 Member Eligibility Eligible Employees, Eligible Retirees, and Eligible Former Elected Officials may participate in the Plan. Members’ legal Spouse and Eligible Children under the age of 26 may participate in the Plan. An Eligible Dependent may not participate in the Plan unless an Eligible Employee, Eligible Retiree, or Eligible Former Elected Official is also enrolled. Please see Article 16 for definitions of the terms used in this section. If you and your Spouse are both covered under the Plan, you may each be enrolled as a Member or be covered as a Dependent of the other person, but not both. In addition, if you and your Spouse are both covered under the Plan, only one parent may enroll their Child as a Dependent. 3.3 Continuing Eligibility through COBRA See Section 3.13 of this article. 3.4 Non-COBRA Continuing Eligibility The following individuals are eligible for continuing coverage under the Plan. Eligible Employee on Leave without Pay An Employee who is on leave without pay for a health-related reason that is not an industrial illness or injury, may continue to participate in the Plan by paying both the State and Employee contribution. Eligibility shall terminate on the earliest of the Employee: ● Receiving long-term disability benefits that include the benefit of continued participation; ● Becoming eligible for Medicare coverage; or AZ Benefit Options 5 TCP 01012021_V2 ● Completing 30 months of leave without pay. An Employee who is on leave without pay for other than a health-related reason may continue to participate in the Plan for a maximum of six months by paying both the state and employee contributions. Surviving Dependent(s) of Insured Retiree Upon the death of a Retiree insured under the Plan, the Surviving Dependents are eligible to continue coverage under the Plan, provided each was insured at the time of the Member’s death, by payment of the Retiree premium. If the Spouse survives, he/she, for purposes of Plan administration, will be reclassified as a Member.
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