2021 Evidence Of Coverage - New Mexico

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There are two different versions of this Evidence of Coverage. The first Evidence of Coverage is for the OnExchange plans. The second Evidence of Coverage is for the Mirrored Off-Exchange plans.The 2021 Evidence of Coverage, beginning on Page 2, covers the On-Exchange plans.The 2021 Evidence of Coverage, beginning on Page 105, covers the Mirrored Off-Exchange plans.

2021 Evidence of M0011Member Services Department: 1-833-945-2029 (TDD/TTY: 711)Log on to: Ambetter.WesternSkyCommunityCare.com

Ambetter from Western Sky Community Care, Inc.Home Office: 5300 Homestead Road NE, Albuquerque, NM 87110Major Medical Expense Insurance PolicyIn this policy, the terms "you", "your", or “yours” will refer to the member or any dependents named onthe Summary of Benefits and Coverage (SBC). The terms "we," "our," or "us" will refer to Western SkyCommunity Care, Inc.AGREEMENT AND CONSIDERATIONIn consideration of your application and the timely payment of premiums, we will provide benefits toyou, the member, for covered services as outlined in this policy. Benefits are subject to policy definitions,provisions, limitations, and exclusions.GUARANTEED RENEWABLEGuaranteed renewable means that this contract will renew each year on the anniversary date unlessterminated earlier in accordance with policy terms. You may keep this policy in force by timelypayment of the required premiums. However, we may decide not to renew the policy as of the renewaldate if: (1) we decide not to renew all policies issued on this form, with the same type and level ofbenefits, to residents of the state where you then live; or (2) there is fraud or an intentional materialmisrepresentation made by or with the knowledge of a member in filing a claim for policy benefits.Annually, we may change the rate table used for this policy form. Each premium will be based on therate table in effect on that premium's due date. The policy plan, and age of members, type and level ofbenefits, and place of residence on the premium due date are some of the factors used in determiningyour premium rates. We have the right to change premiums.At least 60 days’ notice of any plan to take an action or make a change permitted by this clause will bedelivered to you at your last address as shown in our records. We will make no change in your premiumsolely because of claims made under this policy or a change in a member's health. While this policy isin force, we will not restrict coverage already in force. If we discontinue offering and decide not torenew all polices issued on this form, with the same type and level of benefits, for all residents of thestate where you reside, we will provide a written notice to you at least 90 days prior to the date thatwe discontinue coverage.This policy contains prior authorization requirements. You may be required to obtain a referralfrom a primary care practitioner in order to receive care from a specialist provider. Failure tocomply with the prior authorization requirements may result in denial of payment. Please referto the Summary of Benefits and Coverage (SBC) and the Prior Authorization Section.TEN DAY RIGHT TO RETURN POLICYPlease read your policy carefully. If you are not satisfied, return this policy to us or to our agent within10 days after you receive it. All premiums paid will be refunded, less claims paid, and the policy will beconsidered null and void from the effective date.Western Sky Community Care, Inc.Antonio H. Hernandez]CEO and Plan President39006NM0012Member Services Department: 1-833-945-2029 (TDD/TTY: 711)Log on to: Ambetter.WesternSkyCommunityCare.com

TABLES OF CONTENTSIntroduction. 5Member Rights and Responsibilities . 6Definitions . 11Dependent Member Coverage. 32Ongoing Eligibility . 35Premiums. 37Prior Authorization. 39Cost Sharing Features . 42Access to Care . 44Major Medical Expense Benefits . 47Ambulance Service Benefits . 47Autism Spectrum Disorder Benefits . 47Coronavirus; COVID-19 Public Health Emergency . 48Diabetic Care. 48Durable Medical Equipment, Prosthetics, and Orthotic Devices . 48Habilitation, Rehabilitation, and Extended Care Facility Expense Benefits . 52Home Health Care Service Expense Benefits . 53Hospice Care Service Expense Benefits . 53Hospital Benefits . 54Emergency Room Services. 54Medical Expense Benefits. 54Surgical Expense Benefits . 55Mental Health and Substance Use Disorder Benefits . 56Other Dental Services . 57Outpatient Medical Supplies Expense Benefits . 58Pediatric Vision Expense Benefits . 58Prescription Drug Expense Benefits . 59Preventive Care Expense Benefits . 63Respite Care Expense Benefits . 69Radiology, Imaging and Other Diagnostic Testing . 70Second Medical Opinion. 70Social Determinants of Health Supplemental Benefits . 7039006NM0013Member Services Department: 1-833-945-2029 (TDD/TTY: 711)Log on to: Ambetter.WesternSkyCommunityCare.com

Telehealth Service Benefits . 70Transplant Expense Benefits . 71Wellness Program Benefits . 75Care Management Programs. 75General Non-Covered Services and Exclusions. 76Termination . 80Right of Reimbursement. 82Coordination of Benefits . 84Claims . 87Summary of Health Insurance Grievance Procedures . 90General Provisions . 9839006NM0014Member Services Department: 1-833-945-2029 (TDD/TTY: 711)Log on to: Ambetter.WesternSkyCommunityCare.com

IntroductionWelcome to Ambetter from Western Sky Community Care! This policy has been prepared by us to helpexplain your coverage. Please refer to this policy whenever you require medical services.It describes: How to access medical care. What health services are covered by us. What portion of the health care costs you will be required to pay.This policy, the Summary of Benefits and Coverage (SBC), the application as submitted to the HealthInsurance Marketplace, and any amendments and riders attached shall constitute the entire policy underwhich covered services and supplies are provided or paid for by us.This policy should be read in its entirety. Since many of the provisions are interrelated, you should read theentire policy to get a full understanding of your coverage. Many words used in the policy have specialmeanings: these words are italicized and are defined for you in the Definitions section. This policy alsocontains exclusions, so please be sure to read this policy carefully.How to Contact UsAmbetter from Western Sky Community Care, Inc.5300 Homestead Road NEAlbuquerque, NM 87110Normal Business Hours of Operation 8:00 a.m. to 5:00 p.m. MSTMember Services 1-833-945-2029TDD/TTY line 711Fax1-833-751-0895Emergency 91124/7 Nurse Advice Line 1-855-604-1303 or for the hearing impaired (TDD/TTY 711)Interpreter ServicesAmbetter from Western Sky Community Care, Inc. has a free service to help members who speak languagesother than English. These services ensure that you and your physician can talk about your medical orbehavioral health concerns in a way that is most comfortable for you. .Our interpreter services are provided at no cost to you. We have representatives that speak Spanish andmedical interpreters to assist with other languages. Members who are blind or visually impaired and needhelp with interpretation can call Member Services for an oral interpretation.To arrange for interpreter services, please call Member Services at 1-833-945-2029 or for the hearingimpaired (TDD/TTY 711).39006NM0015Member Services Department: 1-833-945-2029 (TDD/TTY: 711)Log on to: Ambetter.WesternSkyCommunityCare.com

Member Rights and ResponsibilitiesWe are committed to:1. Recognizing and respecting you as a member.2. Encouraging open discussions between you, your physician, and medical practitioners.3. Providing information to help you become an informed health care consumer.4. Providing access to covered services and our participating providers.5. Sharing our expectations of you as a member.6. Providing coverage regardless of age, ethnicity or race, religion, gender, sexual orientation, nationalorigin, physical or mental disability, or expected health or genetic status.If you have difficulty locating a primary care provider, specialist, hospital or other contracted providerplease contact us so that we can assist you with access or in locating a contracted Ambetter provider.Ambetter physicians may be affiliated with different hospitals. Our online directory can provide you withinformation on the Ambetter contracted hospitals. The online directory also lists affiliations that yourprovider may have with non-contracted hospitals. Your Ambetter coverage requires you to use contractedproviders with limited exceptions.You have the right to:1. Participate with your physician and medical practitioners in making decisions about your healthcare. This includes working on any treatment plans and making care decisions. You should knowany possible risks, problems related to recovery, and the likelihood of success. You shall not haveany treatment without consent freely given by you or your legally authorized surrogate decisionmaker. You will be informed of your care options.2. Know who is approving and who is performing the procedures or treatment. All likely treatmentand the nature of the problem should be explained clearly.3. Receive the benefits for which you have coverage.4. Have services available and accessible when medically necessary.5. Have access to urgent and emergency care services 24 hours per day, seven days per week, and forother health care services as defined by the policy.6. Be treated with courtesy and consideration, and with respect for the covered person’s dignity andneed for privacy.7. Be provided with information concerning our policies and procedures regarding products, services,providers, and appeals procedures and other information about the company and the benefitsprovided.8. Privacy of your personal health information, consistent with state and federal laws, and our policies.9. Receive information or make recommendations, including changes, about our organization andservices, our network of physicians and medical practitioners, and your rights and responsibilities.10. Candidly discuss with your physician and medical practitioners appropriate and medically necessarycare for your condition, including new uses of technology, regardless of cost or benefit coverage.This includes information from your primary care practitioner about what might be wrong (to thelevel known), treatment and any known likely results. Your primary care practitioner can tell youabout treatments that may or may not be covered by the plan, regardless of the cost. You have aright to know about any costs you will need to pay. This should be told to you in words you canunderstand. When it is not appropriate to give you information for medical reasons, the information39006NM0016Member Services Department: 1-833-945-2029 (TDD/TTY: 711)Log on to: Ambetter.WesternSkyCommunityCare.com

.28.29.can be given to a legally authorized person. Your physician will ask for your approval for treatmentunless there is an emergency and your life and health are in serious danger.Make recommendations regarding member’s rights, responsibilities, and policies.Voice complaints or grievances about: our organization, any benefit or coverage decisions we (or ourdesignated administrators) make, your coverage, or care provided.Refuse treatment for any condition, illness or disease without jeopardizing future treatment, and beinformed by your physician(s) of the medical consequences.See your medical records.Be kept informed of covered and non-covered services, program changes, how to access services,primary care practitioner assignment, providers, advance directive information, referrals andauthorizations, benefit denials, member rights and responsibilities, and our other rules andguidelines. We will notify you at least 60 days before the effective date of the modifications. Suchnotices shall include:a. Any changes in clinical review criteria; orb. A statement of the effect of such changes on the personal liability of the member for the costof any such changes.Receive prompt notification of termination or changes in benefits, services or provider network.A current list of participating providers.Select a health plan or switch health plans, within the guidelines, without any threats orharassment.Adequate access to qualified medical practitioners and treatment or services regardless of age, race,creed, sex, sexual preference, national origin, or religion.Receive information in a different format in compliance with the Americans with Disabilities Act, ifyou have a disability.Refuse treatment to the extent the law allows. You are responsible for your actions if treatment isrefused or if the primary care practitioner’s instructions are not followed. You should discuss allconcerns about treatment with your primary care practitioner. Your primary care practitioner candiscuss different treatment plans with you, if there is more than one plan that may help you. Youwill make the final decision.A complete explanation of why care is denied.An opportunity to appeal the denial decision to us, the right to a secondary appeal, and the right torequest the superintendent’s assistance.Select your primary care practitioner within the network. You also have the right to change yourprimary care practitioner or request information on participating providers close to your home orwork.Know the name and job title of people giving you care. You also have the right to know whichphysician is your primary care practitioner.An interpreter when you do not speak or understand the language of the area.A second opinion by a network physician, at no cost to you, if you believe your participating provideris not authorizing the requested care, or if you want more information about your treatment.Make advance directives for healthcare decisions. This includes planning treatment before you needit.Advance directives are forms you can complete to protect your rights for medical care. It can helpyour primary care practitioner and other providers understand your wishes about your health.39006NM0017Member Services Department: 1-833-945-2029 (TDD/TTY: 711)Log on to: Ambetter.WesternSkyCommunityCare.com

Advance directives will not take away your right to make your own decisions and will work onlywhen you are unable to speak for yourself. Examples of advance directives include:a. Living Will;b. Health Care Power of Attorney; orc. “Do Not Resuscitate” Orders. Members also have the right to refuse to make advancedirectives. You should not be discriminated against for not having an advance directive.You have the responsibility to:1. Read this policy in its entirety.2. Treat all health care professionals and staff with courtesy and respect.3. Give accurate and complete information about present conditions, past illnesses, hospitalizations,medications, and other matters about your health. You should make it known whether you clearlyunderstand your care and what is expected of you. You need to ask questions of your physician untilyou understand the care you are receiving.4. Review and understand the information you receive about us. You need to know the proper use ofcovered services.5. Show your ID card and keep scheduled appointments with your physician, and call the physician’soffice during office hours whenever possible if you have a delay or cancellation.6. Know the name of your assigned primary care practitioner. You should establish a relationship withyour physician. You may change your primary care practitioner verbally or in writing by contactingour Member Services Department.7. Read and understand to the best of your ability all materials concerning your health benefits or askfor help if you need it.8. Understand your health problems and participate, along with your health care professionals andphysicians in developing mutually agreed upon treatment goals to the degree possible.9. Supply, to the extent possible, information that we or your health care professionals and physiciansneed in order to provide care.10. Follow the treatment plans and instructions for care that you have agreed on with your health careprofessionals and physician.11. Tell your health care professional and physician if you do not understand your treatment plan orwhat is expected of you. You should work with your primary care practitioner to develop treatmentgoals. If you do not follow the treatment plan, you have the right to be advised of the likely results ofyour decision.12. Follow all health benefit plan guidelines, provisions, policies, and procedures.13. Use any emergency room only when you think you have a medical emergency. For all other care, youshould call your primary care practitioner.14. When you enroll in this coverage, give all information about any other medical coverage you have.If, at any time, you get other medical coverage besides this coverage, you must tell us.15. Pay your monthly premiums on time and pay all deductible amounts, copayment amounts, or costsharing percentages at the time of service.16. Inform the entity in which you enrolled for this policy if you have any changes to your name,address, or family members covered under this policy within 60 days from the date of the event.39006NM0018Member Services Department: 1-833-945-2029 (TDD/TTY: 711)Log on to: Ambetter.WesternSkyCommunityCare.com

Provider DirectoryA listing of participating providers is available online at Ambetter.WesternSkyCommunityCare.com. Wehave plan physicians, hospitals, and other medical practitioners who have agreed to provide you with yourhealthcare services. You may find any of our participating providers by completing the “Find a Provider”function on our website and selecting the Ambetter Network. There you will have the ability to narrow yoursearch by provider specialty, zip code, gender, languages spoken and whether or not they are currentlyaccepting new patients. Your search will produce a list of providers based on your search criteria and willgive you other information such as name, address, phone number, office hours, specialty and boardcertifications.At any time, you can request a copy of the provider directory at no charge by calling Member Services at 1833-945-2029 (TDD/TTY: 711). In order to obtain benefits, you must designate a network primary carepractitioner for each member. We can also help you pick a primary care practitioner (PCP). We can makeyour choice of primary care practitioner effective on the next business day.Call the primary care practitioner’s office if you want to make an appointment. If you need help, call MemberServices at 1-833-945-2029 (TDD/TTY: 711). We will help you make the appointment.Member ID CardWhen you enroll, we will mail you a Member ID card after our receipt of your completed enrollmentmaterials and you have paid your initial premium payment. This card is proof that you are enrolled in theAmbetter plan. You need to keep this card with you at all times. Please show this card every time you go forany service under the policy.The ID card will show your name, member ID#, and copayment amounts required at the time of service. Ifyou do not get your ID card within a few weeks after you enroll, please call Member Services at 1-833-9452029 (TDD/TTY: 711). We will send you another card.WebsiteOur website helps you get the answers to many of your frequently asked questions and has resources andfeatures that make it easy to get quality care. Our website can be accessed atAmbetter.WesternSkyCommunityCare.com. It also gives you information on your benefits and services suchas:1. Finding a participating provider.2. Locate other providers (e.g., hospitals and pharmacies)3. Our programs and services, including programs to help you get and stay healthy.4. A secure portal for you to check the status of your claims, make payments, and obtain a copy of yourMember ID card.5. Member Rights and Responsibilities.6. Notice of Privacy Practices.7. Current events and news.8. Our Formulary or Preferred Drug List.9. Deductible and copayment accumulators.10. Selecting a Primary Care Provider.39006NM0019Member Services Department: 1-833-945-2029 (TDD/TTY: 711)Log on to: Ambetter.WesternSkyCommunityCare.com

If you have material modifications (examples include a change in life event such as marriage, death, orother change in family status), or questions related to your health insurance coverage, contact the HealthInsurance Marketplace (Exchange) at www.healthcare.gov or 1-800-318-2596.Quality ImprovementWe are committed to providing quality healthcare for you and your family. Our primary goal is to improveyour health and help you with any illness or disability. Our program is consistent with National Committeeon Quality Assurance (NCQA) standards and Institute of Medicine (IOM) priorities. To help promote safe,reliable, and quality healthcare, our programs include:1. Conducting a thorough check on physicians when they become part of the provider network.2. Providing programs and educational items about general healthcare and specific diseases.3. Sending reminders to members to get annual tests such as a physical exam, cervical cancerscreening, breast cancer screening, and immunizations.4. A Quality Improvement Committee which includes participating providers to help us develop andmonitor our program activities.5. Investigating any member concerns regarding care received.For example, if you have a concern about the care you received from your network physician or serviceprovided by us, please contact the Member Services Department.We believe that getting member input can help make the content and quality of our programs better. Weconduct a member survey each year that asks questions about your experience with the healthcare andservices you are receiving.39006NM00110Member Services Department: 1-833-945-2029 (TDD/TTY: 711)Log on to: Ambetter.WesternSkyCommunityCare.com

DefinitionsIn this policy, italicized words are defined. Words not italicized will be given their ordinary meaning.Wherever used in this policy:Acute rehabilitation is rehabilitation for patients who will benefit from an intensive, multidisciplinaryrehabilitation program. Patients normally received a combination of therapies such as physical,occupational and speech therapy as needed and are medically managed by specially trained physicians.Rehabilitation services must be performed for three or more hours per day, five to seven days per week,while the covered person is confined as an inpatient in a hospital, rehabilitation facility, or extended carefacility.Advanced premium tax credit means the tax credit provided by the Affordable Care Act to help you affordhealth coverage purchased through the Health Insurance Marketplace. Advanced premium tax credits can beused right away to lower your monthly premium costs. If you qualify, you may choose how much advancedpremium tax credit to apply to your premiums each month, up to a maximum amount. If the amount ofadvanced premium tax credits you receive for the year is less than the total tax credit you're due, you'll getthe difference as a refundable credit when you file your federal income tax return. If your advancedpremium tax credits for the year are more than the total amount of your premium tax credit, you must repaythe excess advanced premium tax credit with your tax return.Administrative grievance means an oral or written complaint submitted by or on behalf of a coveredperson regarding any aspect of health benefits plan other than a request

1-833-945-2029 (TDD/TTY: 711) Log on to: Ambetter.WesternSkyCommunityCare.com Ambetter from Western Sky Community Care, Inc. Home Office: 5300 Homestead Road NE, Albuquerque, NM 87110. Major Medical Expense Insurance Policy In this policy, the terms "you", "your", or “yours

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