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Index Eligibility, Coverage & Payments Using Your Insurance Benefits Chart Benefits Rights & Responsibilities Definitions
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Allergy Testing and Treatment
Provided or referred by primary care physician
Covered Services: Outpatient
Covered Services: Inpatient
Ambulance Services
Provided or referred by primary care physician

Preapproval required, unless an emergency
Covered Services: Outpatient
Anesthesia
Provided or referred by primary care physician
Covered Services: Outpatient
Covered Services: Inpatient
Autologous Blood Drawing/Storage/Transfusion
Provided or referred by primary care physician
Covered Services: Outpatient
Covered Services: Inpatient
Cardiac Rehabilitation Therapy
Provided or referred by primary care physician

Needs preapproval by Keystone
Covered Services: Outpatient
Covered Services: Inpatient
Chemotherapy
Provided or referred by primary care physician

Needs preapproval by Keystone
Covered Services: Outpatient
Covered Services: Inpatient
Diabetic Self-Management and Education
Provided or referred by primary care physician
Covered Services: Outpatient
Diabetic Supplies
Covered 100% when provided or referred by primary care physician

Needs preapproval by Keystone
Covered Services: Outpatient
Covered Services: Inpatient
Diagnostic Laboratory and X-Ray Services
Provided or referred by primary care physician
Covered Services: Outpatient
Dialysis
Provided or referred by primary care physician
Covered Services: Outpatient
Covered Services: Inpatient
Doctor Office Visits
Provided or referred by primary care physician
Covered Services
Covered Services: Outpatient
Emergency Care
Call 911 or go immediately to the emergency department of the closest hospital
Using Your Insurance
Using Your Insurance
Genetic Testing and Counseling
Provided or referred by primary care physician
Covered Services: Outpatient
Gynecological Care
Primary care physician or participating gynecologist

No referral necessary
Using Your Insurance
Covered Services: Outpatient
Home Health Care
Provided or referred by primary care physician

Needs preapproval by Keystone
Covered Services: Outpatient
Home Visits
Provided or referred by primary care physician
Covered Services: Outpatient
Hospice Care
Provided or referred by primary care physician

Needs preapproval by Keystone
Covered Services: Outpatient
Covered Services: Inpatient
Hospital Services
Provided or referred by primary care physician

Needs preapproval by Keystone
Using Your Insurance
Covered Services: Inpatient
Illness (treatment for)
Provided or referred by primary care physician
Covered Services
Immunizations (shots)
Provided by primary care physician
Covered Services
Covered Services: Outpatient
Infusion Therapy
Provided or referred by primary care physician

Needs preapproval by Keystone
Covered Services: Outpatient
Injections
Provided by primary care physician

Preapproval, when required
Covered Services: Outpatient
Insulin and Oral Agents
Covered 100% when prescribed by primary care physician or referred specialist
Covered Services: Outpatient
Mammogram Screening
No referral necessary
Covered Services: Outpatient
Mastectomy Care
Provided or referred by primary care physicianor participating gynecologist
Covered Services: Inpatient
Maternity Care
Primary care physician or participating obstetrician/gynecologist;

No referral necessary
Covered Services: Outpatient
Medical Foods
Ordered by primary care physician or referred specialist

Needs preapproval by Keystone
Covered Services: Outpatient
Covered Services: Inpatient
Newborn Care
Coverage of an enrolled female adultBasic member’s newborn is provided for up to 31 days following birth
Covered Services: Outpatient
Covered Services: Inpatient
Obstetrical Care
Primary care physician or participating obstetrician

No referral necessary
Using Your Insurance
Covered Services: Outpatient
Covered Services: Inpatient
Office Visits
Provided or referred by primary care physician
Using Your Insurance
Covered Services
Covered Services: Outpatient
Oral Surgery
Limited procedures covered

Needs preapproval by Keystone
Covered Services: Outpatient
Covered Services: Inpatient
Organ Transplants
Referred by primary care physician

Needs preapproval by Keystone
Covered Services: Inpatient
Orthotics
Referred by primary care physician

Needs preapproval by Keystone
Covered Services: Outpatient
Pap Smears
Provided by primary care physician or participating gynecologist
Covered Services
Covered Services: Outpatient
Podiatric Care
Referred by primary care physician
Covered Services: Outpatient
Primary and Preventive
Health Services
Provided by primary care physician or participating gynecologist
Covered Services
Covered Services: Outpatient
Prosthetic Devices
Referred by primary care physician

Needs preapproval by Keystone
Covered Services: Outpatient
Covered Services: Inpatient
Pulmonary Rehabilitation Services
Referred by primary care physician

Treatment for up to 60 days

Needs preapproval by Keystone
Covered Services: Outpatient
Covered Services: Inpatient
Radiation Therapy
Provided or referred by primary care physician
Covered Services: Outpatient
Covered Services: Inpatient
Reconstructive Surgery
Covered following a medically necessary covered surgical procedure

Needs preapproval by Keystone
Covered Services: Outpatient
Covered Services: Inpatient
Referral to a Specialist
Provided by primary care physician
Using Your Insurance
Using Your Insurance
Covered Services: Outpatient
Covered Services: Inpatient
Rehabilitation Therapy
(occupational, physical, hand and speech)
Provided or referred by primary care physician

Treatment for up to 60 days per episode for each therapy

Needs preapproval by Keystone
Covered Services: Outpatient
Covered Services: Inpatient
Respiratory Therapy
Provided or referred by primary care physician

Needs preapproval by Keystone
Covered Services: Outpatient
Covered Services: Inpatient
Skilled Nursing Facility
Provided or referred by primary care physician

Needs preapproval by Keystone
Covered Services: Inpatient
Specialist Services
Referred by primary care physician
Using Your Insurance
Using Your Insurance
Covered Services: Outpatient
Covered Services: Inpatient
Spinal Manipulation Services
Provided or referred by primary care physician or referred specialist

Not covered when provided by a chiropractor

Needs preapproval by Keystone
Covered Services: Outpatient
Surgery
Provided or referred by primary care physician

Needs preapproval by Keystone
Covered Services: Outpatient
Covered Services: Inpatient
Termination of Pregnancy
Primary care physician or participating gynecologist

Covered only when necessary to prevent the death of the woman or in the case of rape or incest. Elective abortions are not covered.

Needs preapproval by Keystone
Covered Services: Outpatient
Urgent Care
Provided by primary care physician
Using Your Insurance

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