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Human Resources

Employee Benefits
HMO Benefits

The benefits described below represent the minimum level of coverage the HMO is required to provide. Benefits are subject to the limitations outlined in each plan's Summary Plan Document.  It is the member's responsibility to know and follow the specific requirements of the HMO plan selected.

Health Alliance HMO
PO Box 6003
Urbana  IL  61803-6003
(800) 851-3379
(217) 337-8137 (TDD/TTY)
www.healthalliance.org
HMO PLAN DESIGN
Plan year maximum benefit
Unlimited
Plan year maximum benefit
Unlimited
HOSPITAL SERVICES
Inpatient hospitalization
100% after $250 co-payment per admission
Alcohol/substance abuse* (maximum number of days determined by the plan)
100% after $250 co-payment per admission
Psychiatric admission* (maximum number of days determined by plan)
100% after $250 co-payment per admission
Outpatient surgery
100% after $150 co-payment
Diagnostic lab X-ray
100%
Emergency room
100% after $200 co-payment per visit
PROFESSIONAL and OTHER SERVICES
Office visits
100% after $15 co-payment per visit
Well Baby Care
100%
Psychiatric care*(maximum number of days determined by the plan)
100% of the cost after a 20% co-payment (not to exceed $20) per visit
Alcohol and substance abuse care* (maximum number of days determined by the plan)
100% of the cost after a 20% co-payment (not to exceed $20) per visit
Routine Prenatal Care
$50 per pregnancy
Home Health Care (when prescribed by a Health Alliance physician and authorized by the Health Alliance Medical Management Department)
$20 co-payment per visit
Rehabilitation Services (up to 60 visits combined per conditions per plan year) Includes short-term occupational, speech and physical therapy services.
$0
Durable medical equipment
80%
Prescription Drugs
$10 co-pay for generic;   $20 co-pay for preferred brand; $40 co-pay for non-preferred brand

* Managed care plans determine the maximum number of inpatient days and outpatient visits for psychiatric and alcohol/substance abuse treatment.  Plans are required to cover a minimum of 10 inpatient days and 20 outpatient visits.  These visits are in addition to detoxification benefits that include diagnosis and treatment of medical complications. 

Some HMOs may have benefit limitations on a calendar year.

Important Reminders About Managed Care

Provider Network Changes:  Managed care plan provider networks are subject to change.  Always call the respective plan or visit their web site to verify participation of a particular provider and/or receive specific coverage information.

PCP'S Leaving a Network:  If  your PCP leaves the managed care plan’s network, you have three options: 1) choose another PCP with that plan; 2) change managed care plans; 3) enroll in the Quality Care Health Plan. The opportunity to change plans applies to Primary Care Physicians leaving the network only. It does not apply to specialists or women’s health care providers who are not designated Primary Care Physicians.

Out-of-County Managed Care Plans:  Members interested in enrolling in a managed care plan that is not available in their county of residence should contact the plan directly to determine if an exception can be made that would allow the member to participate in the managed care plan. 

Full-Time Student Dependents:   Eligible dependents who are full-time students in accredited schools and live apart from the member’s residence of record for any part of a plan year may be subject to limited service coverage when living away. If you have such a dependent, it is critical to contact the managed care plan you are enrolled in (or considering enrolling in) to understand the plan’s guidelines on this type of coverage.

June/July Hospitalizations:  If you change health plans, and are hospitalized in June, it is recommended you contact both your current plan/PCP and future plan/PCP well in advance of June 30/July 1.

Transplant Services: Both organ and tissue transplant services are eligible for coverage under all participating managed care plans. Each plan establishes its own certification criteria, coverage, and provider network. Contact your respective managed care plan for specific information.

Certificate of Coverage:   For detailed information on HMO/POS service coverage, exclusions, limitations, and other information, contact each respective plan. You do not need to be enrolled in a managed care plan to request this important information

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