General Plan Information
Be Enrolled and Pay Required Premiums
- Benefits are available to you only if you are enrolled for coverage under the plan. To be enrolled under the plan and receive benefits, your enrollment must be in accordance with the plan’s and the Health Insurance Marketplace’s eligibility requirements, as applicable. You must also qualify as a covered person. You must also pay any premiums required by the Marketplace and/or the plan.
Choose Your Health Care Provider
- It is your responsibility to select the network providers and network pharmacies that will provide your health care. We can help you find network providers and network pharmacies. Use the Quick Links to access our Find a Doctor/Provider tool and our Find a Pharmacy tool.
Show Your ID Card
- To make sure you receive your full benefit under the plan, you should show your ID card every time you request health care services. If you do not show your ID card, your provider may fail to bill us for the health care services delivered. Any resulting delay may mean that you will not receive benefits under the plan to which you would otherwise be entitled.
Your Financial Responsibility
- You must pay copayments, coinsurance and the annual deductible for most covered services.
- If you are a member of a federally recognized tribe and your household income is at or below 300% of the federal poverty level, you will have no cost sharing (including copayments, coinsurance, and deductibles) for covered services. More information, including a list of federally recognized tribes, is available online at: healthcare.gov. Regardless of your household income, there is no cost sharing if you receive services from an Indian health care provider or through referral under the Contract Health Services program administered by the Indian Health Service.
Pay the Cost of Limited and Excluded Services
- You must pay the cost of all health care services and items that exceed the limitations on payment of benefits or are not covered services.
Premium Payment Grace Period
If your policy has been effectuated (if you have paid your first premium), a grace period of three (3) consecutive months shall be granted for the payment of any premium.
If you pay a premium for any period of time after your coverage is terminated, we will refund that premium to you. The refund will be for the time after your coverage ends.
During this three-month grace period, we will:
- Pay for covered services during the first month of the grace period;
- Deny all prescription and non-prescription drug claims during the second and third months of the grace period;
- Notify network Providers of the possibility for denied claims during the second and third months of the grace period;
- Notify the United States Department of Health and Human Services of such non-payment if you are receiving advance payments of the premium tax credit through the Marketplace; and
The following will also happen during the grace period:
- For claims currently pended when the member moves into the grace period, payment decisions will be made based on the date of service and the member’s status on this date.
- If you do not bring your account current by the end of the grace period, your coverage will be terminated back to the end of the first month of the grace period and all claims paid after the termination date will be recovered.
Recoupment of Overpayments
If you received an invoice with a credit balance shown, this represents money owed to you. We can apply the balance toward future premium amounts or refund the money to you at your request. If you choose to receive a refund, please contact Member Services at 1-800-479-9502 (TTY: 1-800-750-0750 or 711) between the hours of 7 a.m. and 7 p.m. Monday through Friday. A refund will be sent to you within 30 days. If your coverage has been terminated, any refunds of premiums that may be due will be generated and sent to you within 90 days.
Medical Necessity and Prior Authorization Timeframes
Medically necessary services are health care services that are determined to be medically appropriate in accordance with CareSource’s medical policies and nationally recognized guidelines. These are services that are not experimental or investigational in nature, are necessary to meet the basic health needs of the covered person and are rendered in the most cost-efficient manner and type of setting appropriate for the delivery of the covered service.
Medically necessary services are consistent in the type, frequency and duration of treatment with scientifically-based guidelines of national medical, research or health care coverage organizations or governmental agencies that are accepted by us; they are consistent with the diagnosis of the condition; are required for reasons other than the convenience of the covered person or his/her physician; and are demonstrated through prevailing peer-reviewed medical literature to be either:
- Safe and effective for treating or diagnosing the condition or sickness for which their use is proposed, or
- Safe with promising efficacy for treating a life-threatening sickness or condition in a clinically controlled research setting using a specific research protocol that meets standards equivalent to those defined by the National Institutes of Health. (For purposes of this definition, the term “life threatening” is used to describe sickness or conditions that are more likely than not to cause death within one year of the date of the request for treatment.)
The fact that a physician has performed or prescribed a procedure or treatment, or the fact that it may be the only available treatment for an injury, sickness or mental sickness, or the fact that the physician has determined that a particular health care service is medically necessary or medically appropriate does not mean that the procedure or treatment is a covered service under CareSource.
CareSource must make decisions on services that require a prior authorization within specific timeframes. Please refer to the Prior Authorization section of your plan’s Evidence of Coverage for more details.
Sometimes a member may have a drug allergy or intolerance. Or, a certain drug may not be effective for a member. In these cases, the member or the member’s representative may ask for an exceptions to drugs listed on the Marketplace Drug Formulary. The member or member’s representative can call Member Services to make the request, or complete the online Member Exception Request for Non-Formulary Medication.
CareSource then contacts the appropriate health partner. CareSource may ask the health partner to provide written clinical documentation about why the member needs an exception. Health partners must provide this information.
CareSource will provide a decision no later than 72 hours after the request is received. If the member is suffering from a serious health condition, CareSource will provide a decision within 24 hours. As part of the process, CareSource will consider whether the requested drug is clinically appropriate.
Health care services you receive from non-network providers are not covered services unless:
- A non-network provider renders emergency health services to you;
- You receive urgent care services while you are temporarily outside the service area;
- There is a specific situation involving the continuity of your health care
- You receive health care services from a non-network provider (such as an anesthesiologist or radiologist) while you are in a hospital or other facility that is a network provider, as explained above; or
- You are referred by a primary care provider (PCP) to a non-network provider because the specialty care you need is not available from a network provider. In this case, your PCP or network provider must obtain our prior authorization.
If you receive emergency care from a provider who is not a network provider or urgent care services outside the service area, you will need to submit the bill you receive to CareSource with a claim form. You may also obtain a claim form by calling Member Services at 1-800-479-9502 (TTY for the hearing impaired: 1-800-750-0750 or 711).
Balance billing is when a provider bills you for the difference between the provider’s charge and the allowed amount. For example, if the provider’s charge is $100, and the allowed amount is $70, the provider may bill you for the remaining $30. A network provider may not balance bill you for covered services.
Explanation of Benefits
After you receive health care services, you will generally receive a written Explanation of Benefits (EOB) summarizing the benefits you received. This EOB is not a bill for health care services.
The EOB shows you what services were billed to CareSource and how they were paid. It lists:
- The member who got the service
- The provider who billed for the service
- The date the service was received
- A description of the service
- The amount CareSource paid for the service
- How much you owe or already paid for the service, if anything
If you do owe for a service, you will get a bill from the provider. We encourage you to save these EOB statements and pay only the amount listed as your responsibility. If you get a bill from a provider for more than the amount the EOB shows as your responsibility, please call Member Services.
Coordination of Benefits
Coordination of Benefits (COB) is the process used to determine which health plan or insurance policy will pay first and/or determine the payment obligations of each health plan, medical insurance policy or third party resource when two or more health plans, insurance policies or third party resources cover the same benefits.
The Order of Benefit Determination Rules govern the order in which each health plan will pay a claim for benefits. The health plan that pays first is called the primary health plan. The primary health plan must pay benefits in accordance with its policy terms without regard to the possibility that another health plan may cover some expenses. The health plan that pays after the primary health plan is the secondary health plan. The secondary health plan may reduce the benefits it pays so that payments from all health plans do not exceed the primary health plan’s maximum allowable amount.
Refer to your EOC on the Plan Documents & Resources page for more information.
Your provider is responsible for requesting payment from us. If your provider is unable to submit claims, you may submit a claim directly to us using the member claim form or by calling Member Services.
Written notice of claim must be given to us within 60 days from the date services were rendered, or as soon thereafter as is reasonably possible. Notice given by or on behalf of the member to CareSource or to any authorized agent of CareSource, with information sufficient to identify the member, shall be deemed notice to us.
Submit claims to: CareSource, P.O. Box 824, Dayton, OH 45401-0824
See your EOC or call Member Services for more information about Claims policies for your plan.
A retroactive denial is the reversal of a previously paid claim. That is, we deny a claim after we have paid it, and take the money back from the provider. If a claim is retroactively denied, you the enrollee, may become responsible for payment.
If we authorize a proposed service to be provided by a network provider based upon the complete and accurate submission of all necessary information relative to a covered person, we will not retroactively deny this authorization if the network provider renders the health care service in good faith and pursuant to the authorization and all of the terms and conditions of the Evidence of Coverage (EOC) and the network provider’s contract with us. If coverage is retroactively terminated, then the payment will be recouped from the provider. You will be notified of a retroactive denial by an Explanation of Benefits (EOB).
Examples that Result in Retroactive Denials:
- When a third party is legally responsible for payment
- Another health insurance company made a payment and we did not receive notice
- You didn’t pay your premiums on time and your coverage was terminated
- We paid for a service you did not receive, was not medically necessary, or was not covered by your benefits
- There was an error on the claim
- The list above is not all inclusive
Ways you can Prevent Retroactive Denials:
- Pay your premium on time
- Bring your CareSource ID card to every visit. This way your insurance information will be up to date and the doctor or pharmacy can bill us correctly
- Let your doctors know if a third-party insurer is responsible for paying your claims. For example, if you’re getting care for work or accident related injuries, we may not be responsible for paying your claims.
- If CareSource is your secondary insurance carrier, request that your primary insurance carrier send us an Explanation of Benefits (EOB).