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    July 28, 2010      
2008
Benefit Topics:
Official Brochure
Benefits at a Glance
Medicare at a Glance
Physicians
Hospital
Prescription Drugs
Catastrophic Protection
Other Benefits

 

 

2008 Catastrophic Protection
(your out-of-pocket maximum)

Refer to the 2008 NALC Health Benefit Plan brochure (RI 71-009) for complete details. 2007 Catastrophic Protection at a Glance and Previous brochures are also available.

Benefit:
PPO/Network Provider:
Non-PPO Provider:

Medical/Surgical

 You pay nothing after coinsurance expenses total $4000 per person or family for services of PPO providers/facilities. Your coinsurance expenses for inpatient services billed by a network hospital facility will never exceed $2000 per calendar year. You pay nothing after coinsurance expenses total $6000 per person or family for services of PPO and non-PPO providers/facilities, combined. Your coinsurance expenses for inpatient services billed by a network hospital facility will never exceed $2000 per calendar year.

Mental health and substance abuse benefits
You pay nothing after coinsurance expenses total $4000 per person or family for Network services/facilities. Your coinsurance expenses for inpatient services billed by a network hospital facility will never exceed $2000 per calendar year.
You pay nothing after coinsurance expenses total $8000 per person for non-network inpatient hospital treatment (to a maximum of 50 days).
Note: Some costs do not count toward this catastrophic protection.
Note: In 2008, your calendar year deductible and copayments now count toward your catastrophic protection out-of-pocket.