Health Net Medicare COB HMO
The information in this chart is intended as a high-level summary only. The information about the HMOs or the insured products contained in an applicable Evidence of Coverage (EOC) or service provider agreement between Pacific Gas and Electric Company and the HMO or service provider shall govern in case of conflict between this chart and the EOC or service provider agreement.
If you enroll in the Health Net Medicare COB HMO, you will receive an EOC, free of charge. It describes the Health Net Medicare COB HMO's benefit provisions, claims procedures, provider network, and other rules in detail. If you need additional information, including a list of participating network providers, you can contact the Health Net Medicare COB HMO directly.
The information contained in this summary is informational only. No right shall accrue to you and/or your dependents because of any statement of error, or in omission from, this summary. The Health Net Medicare COB HMO's EOC is the binding document between the health plan and its members.
Summary Chart
This summary chart describes benefits as of January 1, 2013.
Provisions
Health Net Medicare COB HMO
General
  • Must use Health Net Medicare COB HMO network providers
  • No annual deductible
  • Annual out-of-pocket maximum:
    • $1,500/person; no more than $4,500/family (excludes prescription drugs)
  • No lifetime benefit maximum
  • No pre-existing condition exclusions
Hospital Stay
No charge
Skilled Nursing Facility
No charge; 100-day limit; excludes custodial care
Emergency Room Care
$25 copay/visit for emergencies (waived if admitted); must notify PCP within 48 hours
Outpatient Hospital Care
$10 copay/visit
Office Visits
$10 copay/office visit
$10 copay/home visit
Urgent Care Visits
$10 copay/visit
Routine Physical Examinations
$10 copay/visit for Basic Periodic Health Evaluation
Immunizations and Injections
  • Immunizations (age 18 and older) — no charge
  • Allergy testing, allergy injections and allergy serum — no charge
Eye Examinations
$10 copay/visit for screening; lenses and frames not covered
X-rays and Lab Tests
No charge
Pre-Admission Testing
No charge
Home Health Care
No charge
Hospice Care
No charge
Outpatient Physical Therapy
$10 copay/visit (provided as long as significant improvement is expected)
Durable Medical Equipment
No charge; see plan EOC for limitations and exclusions
Chiropractic Care
Discounts available; contact Member Services for details
Acupuncture
Discounts available; contact Member Services for details
Hearing Aids and related expenses
Covered effective January 1, 2014
80% for Medically Necessary only; one hearing aid per ear every three years
Other Benefits
Hearing exams — $10 copay/visit
Prescription Drug Benefits
When you and your dependents are enrolled in the Health Net Medicare COB HMO, the plan's Part D Prescription Drug Plan provides your retail and mail-order prescription drug coverage, not Express Scripts. For specific information about drug coverage in Health Net Medicare COB HMO's Part D Prescription Drug Plan, contact Health Net Medicare COB HMO directly.
Provisions
Health Net Medicare COB HMO
General
Retail and mail-order prescription drugs are administered by Health Net Medicare COB HMO.
Annual Prescription Drug Deductible (separate from Medical Plan deductible)
None
Annual Prescription Drug Out-of-Pocket Maximum
None
Annual or Lifetime Prescription Drug Maximum Benefit Limit
None
Retail Purchases
Medicare Part D plan
Up to 30-day supply — you pay:
  • $5/generic
  • $15/brand formulary
  • $35/non-formulary
Some drugs require pre-authorization
Mail-Order Purchases
Medicare Part D plan
For up to 90-day supply — you pay:
  • $10/generic
  • $30/brand formulary
  • $70/non-formulary
Open formulary
Infertility, Sexual Dysfunction, Memory Enhancement and Contraceptive Drugs
Call Health Net for details
Mental Health and Substance Abuse (MHSA) Benefits
The following chart provides an overview of Mental Health and Substance Abuse (MHSA) benefits for Health Net Medicare COB HMO plan members. These benefits are administered both by Health Net Medicare COB HMO and by ValueOptions, depending on the type of care you receive.
When care is provided by ValueOptions:
  • Pre-authorization is required for inpatient and hospital stays; you must obtain it within 48 hours of the start of treatment. Care that is not medically necessary will not be covered.
For more information on benefits provided by ValueOptions, refer to the Mental Health and Substance Abuse Coverage section.
Provisions
Health Net Medicare COB HMO
General
Health Net Medicare COB HMO's medical plan provisions also apply to mental health and substance abuse benefits
Outpatient Mental Health
  • $10 copay/visit
  • No visit limit
Inpatient Mental Health
No charge; no day limit
Outpatient Substance Abuse
Coverage for Eligible Expenses* through ValueOptions, not the HMO; requires referral by ValueOptions
  • $10 copay/visit (individual)
  • $5 copay/visit (group)
Inpatient Substance Abuse
Coverage for Eligible Expenses* through ValueOptions, not the HMO; requires pre-authorization by ValueOptions
  • 100%
  • No limit on number of stays
* Coverage for Eligible Expenses. "Eligible Expenses" are: (1) expenses for Covered Health Services that are covered by the plan; (2) those that ValueOptions considers "Medically Necessary" for diagnosis or treatment; and (3) those that do not exceed the "Usual and Customary" rate as determined by ValueOptions. Any costs not meeting this definition are the responsibility of the member. For additional information or questions, call ValueOptions.
Other Information
Eligible Dependents and Member Rights
Refer to the complete description of eligibility, COBRA rights, Qualified Medical Child Support Order procedures and rights, ERISA rights and information, plan funding and plan continuation provisions provided elsewhere in this Summary of Benefits Handbook.
Choice of Providers
Members must select a contracting Physician Group where the member wants to receive medical care. That Physician Group will provide or authorize all medical care. Family members may select different contracting Physician Groups. However, each person must select a contracting Physician Group close enough to his or her residence to allow reasonable access to medical care. In addition to selecting a contracting Physician Group, each member must choose a Primary Care Physician from the Physician Group. The Primary Care Physician provides and coordinates all medical care. Providers are neither employed nor exclusively contracted by the HMO.
Plan Telephone Number
800-522-0088
Website