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    January 14, 2009      
2009
Benefit Topics:

Official Brochure

 

Benefits at a Glance

 

Medicare at a Glance

 

Physicians

 

Hospital

 

Prescription Drugs

 

Catastrophic Protection

 
Other Benefits

 

 

2009 Catastrophic Protection
(your out-of-pocket maximum)

Refer to the 2009 NALC Health Benefit Plan brochure (RI 71-009) for complete details. 2008 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. You pay nothing after coinsurance expenses total $6000 per person or family for services of PPO and non-PPO providers/facilities, combined.

Mental health and substance abuse benefits
You pay nothing after coinsurance expenses total $4000 per person or family for Network services/facilities.
You pay nothing after coinsurance expenses total $8000 per person for non-network inpatient hospital treatment (to a maximum of 50 days).
Prescription Drugs You pay nothing for prescriptions purchased at a NALC CareSelect Network retail pharmacy after coinsurance expenses total $4000 per person or family Does not apply
Note: Some costs do not count toward this catastrophic protection.
Note: Your calendar year deductible and copayments now count toward your catastrophic protection out-of-pocket.