Important Information About Your Benefits
Welcome to NALC Health Benefit Plan! To learn more about your coverage under this Plan, refer to Section 4 of the Plan Brochure, Your Costs for Covered Services. You may also access additional resources from this link: https://nalchbp.org/pshb/consumer-driven-healthcare-plan/
Below is information concerning your Plan’s deductible and out-of-pocket maximum:
CDHP Deductible and Out-of-Pocket Maximums
Annual Deductible (In-Network): $2,000/person - $4,000/family
Annual Deductible (Out-of-Network): $4,000/person - $8,000/family
Annual Out-of-Pocket Maximum (In-Network): $6,600/person - $12,000/family
Annual Out-of-Pocket Maximum (Out-of-Network): $12,000/person - $24,000/family
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You may also visit this link to find in-network providers and facilities: https://nalchbp.org/pshb/partners-consumer-driven/
Important Notice: When you get emergency care, use an out-of-network air ambulance provider, or get treated by an out-of-network provider at an in-network hospital or ambulatory surgical center, you are protected from surprise billing or balance billing. “Surprise billing” is an unexpected balance bill as defined by a new federal law called the No Surprises Act. This can happen when you cannot control who is involved in your care-like when you have an emergency or when you schedule a visit at an in-network facility but are unexpectedly treated by an out-of-network provider. Please review this this disclosure for more information about your rights under this new law: Disclosure Notice Regarding Patient Protections Against Surprise Billing