Page 5 of 7 P_250018_L * For more information about limitations and exceptions, see the plan or policy document at www.phpni.com. Common Medical Event Services You May Need What You Will Pay Limitations, Exceptions, & Other Important Information Network Provider (You will pay the least) Out-of-Network Provider (You will pay the most) Skilled nursing care 20% coinsurance after deductible 50% coinsurance after deductible 30 days/calendar year. Preauthorization is required to prevent claim denial. Durable medical equipment 20% coinsurance after deductible 50% coinsurance after deductible For coverage of specific durable medical equipment, preauthorization is required to prevent claim denial. Hospice services 20% coinsurance after deductible Not covered 180 consecutive days/lifetime. Preauthorization is required to prevent claim denial. If your child needs dental or eye care Children’s eye exam Not covered Not covered No coverage for eye exam. Children’s glasses Not covered Not covered No coverage for eye glasses or contact lenses. Children’s dental check-up Not covered Not covered No coverage for dental check-up. Excluded Services & Other Covered Services: Services Your Plan Generally Does NOT Cover (Check your policy or plan document for more information and a list of any other excluded services.) • Acupuncture • Bariatric surgery • Cosmetic surgery • Dental care (Adult) • Hearing aids • Infertility treatment • Long-term care • Non-emergency care when traveling outside the U.S. • Private-duty nursing • Routine eye care (Adult) • Routine foot care • Weight loss programs Other Covered Services (Limitations may apply to these services. This isn’t a complete list. Please see your plan document.) • Chiropractic care Your Rights to Continue Coverage: There are agencies that can help if you want to continue your coverage after it ends. The contact information for those agencies is: Indiana Department of Insurance at (800) 622-4461; (317) 232-2395 or www.in.gov/idoi; U.S. Department of Labor, Employee Benefits and Security Administration at 1-866-444-EBSA(3272) or www.dol.gov/ebsa/healthreform, or the U.S. Department of Health and Human Services at 1-877-267-2323 x 61565 or www.cciio.cms.gov. Other coverage options may be available to you too, including buying individual insurance coverage through the Health Insurance Marketplace. For more information about the Marketplace, visit www.HealthCare.gov or call 1-800-318-2596. Your Grievance and Appeals Rights: There are agencies that can help if you have a complaint against your plan for a denial of a claim. This complaint is called a grievance or appeal. For more information about your rights, look at the explanation of benefits you will receive for that medical claim. Your plan documents also