CHOICES HEALTH CARE PLAN BENEFITS - MyAlcoaBenefits
CHOICES HEALTH CARE PLAN BENEFITS - MyAlcoaBenefits
CHOICES HEALTH CARE PLAN BENEFITS - MyAlcoaBenefits
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Medical Plan Options, continued<br />
Coverage Changes Effective<br />
January 1, 2013<br />
Inpatient Facility Deductible<br />
Inpatient facility admissions will require<br />
a separate deductible. This deductible is<br />
in addition to the annual deductible that<br />
must be paid. This change applies to the<br />
Basic, Comprehensive, and HRA options.<br />
It does not apply to the HSA option.<br />
The inpatient facility deductible is the<br />
additional amount you must pay for medically<br />
necessary and appropriate health care you<br />
receive during an admission to a facility. The<br />
inpatient facility deductible must be met<br />
before the program begins to pay all or part<br />
of the remaining expenses. This inpatient<br />
facility deductible amount may not be applied<br />
toward the satisfaction of any other deductible<br />
required by your program. However, any<br />
inpatient facility deductible amounts paid will<br />
apply to your annual out-of-pocket maximum.<br />
The inpatient facility deductible will apply to<br />
each admission to a hospital, rehabilitation<br />
facility, psychiatric hospital facility, skilled<br />
nursing facility, hospice facility, birthing center,<br />
or substance abuse treatment facility.<br />
If you are readmitted to the hospital for<br />
treatment of the same condition within 30 days<br />
of your discharge date, you will not have<br />
to pay another inpatient facility deductible.<br />
Advanced Imaging<br />
You or your physician will be required to obtain<br />
pre-certification prior to receiving any of the<br />
following services that are not performed<br />
in an emergency room, as an inpatient, on<br />
weekends, or on holidays:<br />
• computerized axial tomography<br />
(CAT scans)<br />
• magnetic resonance imaging<br />
(MRI scans)<br />
• positron emission tomography<br />
(PET scans)<br />
New Wellness Benefits<br />
Alcoa’s enhanced emphasis on employee<br />
wellness means that, effective January 1, 2013:<br />
• Nutritional counseling is a covered service<br />
when prescribed by a physician. Covered<br />
services include diet modifications and<br />
disease self-management skills training.<br />
Coverage is limited to 15 visits per person<br />
per year.<br />
• Drugs for weight loss are now covered.<br />
• Physician-prescribed over-the-counter<br />
tobacco-cessation products will be covered<br />
at 100% with no deductible.<br />
4 <strong>CHOICES</strong> <strong>HEALTH</strong> <strong>CARE</strong> <strong>PLAN</strong> <strong>BENEFITS</strong>