SAMBA Health Benefit Plan 2020

SAMBAHealth Benefit Planwww.SambaPlans.comCustomer Service 800-638-65892020A Fee-for-Service Plan (High and Standard Option)with a Preferred Provider OrganizationThis plan's health coverage qualifies as minimum essential coverage and meets the minimum value standard for thebenefits it provides. See page 7 for details. This plan is accredited. See page 11.IMPORTANT: Rates: Back Cover Changes for 2020: Page 13 Summary of Benefits: Pages 112 and 113Sponsored and administered by: the Special Agents Mutual Benefit Association (SAMBA)Who may enroll in this Plan: All Federal employees, Tribal employees, and annuitants who are eligible to enroll in theFederal Employees Health Benefits Program (FEHB) may enroll in the SAMBA Health Benefit Plan.To become a member: Employees and annuitants enrolling in the SAMBA Health Benefit Plan will automaticallybecome members of the Special Agents Mutual Benefit Association.Membership dues: There are no membership dues.Enrollment codes for this Plan:441 Self Only – High Option443 Self Plus One – High Option442 Self and Family – High Option444 Self Only – Standard Option446 Self Plus One – Standard Option445 Self and Family – Standard OptionRI 71-015

Important Notice from SAMBA AboutOur Prescription Drug Coverage and MedicareThe Office of Personnel Management (OPM) has determined that the SAMBA Health Benefit Plan’s prescription drug coverageis, on average, expected to pay out as much as the standard Medicare prescription drug coverage will pay for all plan participantsand is considered Creditable Coverage. This means you do not need to enroll in Medicare Part D and pay extra for prescriptiondrug coverage. If you decide to enroll in Medicare Part D later, you will not have to pay a penalty for late enrollment as longas you keep your FEHB coverage.However, if you choose to enroll in Medicare Part D, you can keep your FEHB coverage and your FEHB plan will coordinatebenefits with Medicare.Remember: If you are an annuitant and you cancel your FEHB coverage, you may not re-enroll in the FEHB Program.Please be advisedIf you lose or drop your FEHB coverage and go 63 days or longer without prescription drug coverage that’s at least as good asMedicare’s prescription drug coverage, your monthly Medicare Part D premium will go up at least 1% per month for everymonth that you did not have that coverage. For example, if you go 19 months without Medicare Part D prescription drugcoverage, your premium will always be at least 19 percent higher than what many other people pay. You will have to pay thishigher premium as long as you have Medicare prescription drug coverage. In addition, you may have to wait until the nextAnnual Coordinated Election Period (October 15 through December 7) to enroll in Medicare Part D.Medicare's Low Income BenefitsFor people with limited income and resources, extra help paying for a Medicare prescription drug plan isavailable. Information regarding this program is available through the Social Security Administration (SSA)online at www.socialsecurity.gov, or call the SSA at 800-772-1213 (TTY: 800-325-0778).You can get more information about Medicare prescription drug plans and the coverage offered in your area from these places: Visit www.medicare.gov for personalized help. Call 800-MEDICARE (800-633-4227), TTY: 877-486-2048.

Table of ContentsIntroduction . 3Plain Language . 3Stop Health Care Fraud! . 3Discrimination is Against the Law . 4Preventing Medical Mistakes . 5FEHB Facts . 7Coverage information . 7 No pre-existing condition limitation . 7 Minimum essential coverage (MEC) . 7 Minimum value standard . 7 Where you can get information about enrolling in the FEHB Program . 7 Types of coverage available for you and your family . 7 Family member coverage . 8 Children's Equity Act . 8 When benefits and premiums start . 9 When you retire . 9When you lose benefits. 9 When FEHB coverage ends . 9 Upon divorce . 9 Temporary Continuation of Coverage (TCC) . 10 Converting to individual coverage . 10 Health Insurance Marketplace . 10Section 1. How This Plan Works . 11General features of our High and Standard Options . 11We have a Preferred Provider Organization (PPO) . 11How we pay providers . 11Your rights and responsibilities . 12Your medical and claims records are confidential . 12Section 2. Changes for 2020 . 13Changes to both our High and Standard Options . 13Changes to our High Option only. 13Changes to our Standard Option only . 13Clarifications . 13Section 3. How You Get Care . 14Identification cards . 14Where you get covered care . 14 Covered providers . 14 Covered facilities . 15 Transitional care . 16 If you are hospitalized when your enrollment begins . 16You need prior Plan approval for certain services . 16 Inpatient hospital admission . 17 Other services . 17 Radiology/imaging procedures. 18 Applied Behavior Analysis (ABA) therapy . 18How to request precertification for an admission or get prior authorization for Other services . 18 Non-urgent care claims . 19 Urgent care claims . 19 Concurrent care claims . 19 The Federal Flexible Spending Account Program – FSAFEDS . 19 Emergency inpatient admission. 202020 SAMBA1Table of Contents

Maternity care. 20 If your hospital stay needs to be extended . 20 If your treatment needs to be extended . 20If you disagree with our pre-service claim decision . 20 To reconsider a non-urgent care claim . 20 To reconsider an urgent care claim . 21 To file an appeal with OPM . 21Section 4. Your Costs for Covered Services . 22Cost-sharing . 22Copayment . 22Deductible . 22Coinsurance. 23If your provider routinely waives your cost . 23Waivers. 23Differences between our allowance and the bill . 23Your catastrophic protection out-of-pocket maximum for deductibles, coinsurance, and copayments . 24Carryover . 25If we overpay you . 26When Government facilities bill us . 26Section 5. BenefitsHigh and Standard Option Benefits . 27Non-FEHB benefits available to Plan members. 88Section 6. General Exclusions – Services, Drugs and Supplies We Don’t Cover . 89Section 7. Filing a Claim for Covered Services . 91Section 8. The Disputed Claims Process . 93Section 9. Coordinating Benefits with Medicare and Other Coverage . 95When you have other health coverage. 95TRICARE and CHAMPVA . 95Workers’ Compensation . 95Medicaid . 95When other Government agencies are responsible for your care . 95When others are responsible for injuries . 96When you have Federal Employees Dental and Vision Insurance Plan (FEDVIP). 97Clinical Trials. 97When you have Medicare . 98What is Medicare? . 98 Should I enroll in Medicare? . 98 The Original Medicare Plan (Part A or Part B). 99 Tell us about your Medicare coverage . 100 Private Contract with your physician . 100 Medicare Advantage (Part C) . 100 Medicare prescription drug coverage (Part D) . 101When you are age 65 or over and do not have Medicare . 103When you have the Original Medicare Plan (Part A, Part B, or both) . 104Section 10. Definitions of Terms We Use in This Brochure . 105Index .111Summary of Benefits for the High Option of the SAMBA Health Benefit Plan – 2020 . 112Summary of Benefits for the Standard Option of the SAMBA Health Benefit Plan – 2020 . 1132020 Rate Information for the SAMBA Health Benefit Plan . 1142020 SAMBA2Table of Contents

IntroductionThis brochure describes the benefits of the SAMBA Health Benefit Plan under our contract (CS 1074) with the United States Officeof Personnel Management, as authorized by the Federal Employees Health Benefits law. Customer service may be reached at800-638-6589 or 301-984-1440 (for TTY, use 301-984-4155) or through our website: www.SambaPlans.com. The address for theSAMBA Health Benefit Plan administrative offices is:SAMBA Health Benefit Plan11301 Old Georgetown RoadRockville, MD 20852-2800This brochure is the official statement of benefits. No verbal statement can modify or otherwise affect the benefits, limitations, andexclusions of this brochure. It is your responsibility to be informed about your health benefits.If you are enrolled in this Plan, you are entitled to the benefits described in this brochure. If you are enrolled in Self Plus One orSelf and Family coverage, each eligible family member is also entitled to these benefits. You do not have a right to benefits thatwere available before January 1, 2020, unless those benefits are also shown in this brochure.OPM negotiates benefits and rates with each plan annually. Benefit changes are effective January 1, 2020, and changes are summarizedon page 13. Rates are shown at the end of this brochure.Plain LanguageAll FEHB brochures are written in plain language to make them easy to understand. Here are some examples: Except for necessary technical terms, we use common words. For instance, “you” means the enrollee or family member, “we” or “us”means the SAMBA Health Benefit Plan. We limit acronyms to ones you know. FEHB is the Federal Employees Health Benefits Program. OPM is the United States Officeof Personnel Management. If we use others, we tell you what they mean. Our brochure and other FEHB plans’ brochures have the same format and similar descriptions to help you compare plans.Stop Health Care Fraud!Fraud increases the cost of health care for everyone and increases your Federal Employees Health Benefits Program premium.OPM’s Office of the Inspector General investigates all allegations of fraud, waste, and abuse in the FEHB Program regardless of theagency that employs you or from which you retired.Protect Yourself From Fraud – Here are some things that you can do to prevent fraud: Do not give your plan identification (ID) number over the telephone or to people you do not know, except for your health careprovider, authorized health benefits plan, or OPM representative. Let only the appropriate medical professionals review your medical record or recommend services. Avoid using health care providers who say that an item or service is not usually covered, but they know how to bill us to get it paid. Carefully review explanations of benefits (EOBs) statements that you receive from us. Periodically review your claim history for accuracy to ensure we have not been billed for services you did not receive. Do not ask your doctor to make false entries on certificates, bills, or records in order to get us to pay for an item or service. If you suspect that a provider has charged you for services you did not receive, billed you twice for the same service, ormisrepresented any information, do the following:– Call the provider and ask for an explanation. There may be an error.– If the provider does not resolve the matter, call us at 800-638-6589 or 301-984-1440 (for TTY, use 301-984-4155) and explainthe situation.– If we do not resolve the issue:2020 SAMBA3Introduction/Plain Language/Advisory