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    July 28, 2010      
2005
Benefit Topics:
Official Brochure
Benefits At-A-Glance
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Catastrophic Protection
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2005 Catastrophic Protection
(your out-of-pocket maximum)

Refer to the 2005 NALC Health Benefit Plan brochure (RI 71-009) for complete details.

Benefit:
You pay at PPO/Network Provider:
You pay at
Non-PPO Provider:

Services with coinsurance (excluding mental health and substance abuse care)

  • Nothing after your coinsurance expenses total $4000 for PPO providers/facilities
  • Nothing after your coinsurance expenses total $6000 for Non-PPO providers/facilities. When you use a combination of PPO and Non-PPO providers, your out-of-pocket expense will not exceed $6000

Mental health and substance abuse benefits

  • Nothing after your coinsurance expenses total $3000 for In-Network mental health and substance abuse providers/facilities
  • Nothing after your coinsurance expenses total $8000 for Out-of-Network mental health ad substance abuse inpatient hospital treatment (after 50 days you pay all charges)

Note: Some costs do not count toward this protection.