Understanding Enhanced and Standard POS Plans

Enhanced and Standard Point of Service (POS) options have networks of participating doctors and hospitals that provide medical care at negotiated rates.

While you are encouraged to, you do not need to select a primary care physician (PCP) when you enroll, or get referrals for specialty care.

How the Plan Works (In-Network Coverage)

• In general, the plan pays a percentage of covered expenses;
• You pay the remaining portion of charges, called coinsurance, up to the out-of-pocket maximum; and
• Once you reach the annual out-of-pocket maximum, the plan pays 100 percent of most covered expenses for the rest of the Plan Year.

Additional copayments and other plan details and requirements may apply.

How to Review Plan Coverage Details

• Review the Your Benefits Resources Web site at http://digital.alight.com/alcatel-lucent (if you are currently enrolled);
• Contact your carrier; or
• Review the SPD.

In- and Out-of-Network Benefits

The amount of coverage you receive depends on whether you use in- or out-of-network providers:

• In-network providers: You’ll receive the highest level of benefits when you receive care.
• Out-of-network providers: The plan pays a lower benefit. You may need to pay the full amount for services up front and file your own claims for reimbursement.

Find a Network Provider

• Use Find a Provider on the Your Benefits Resources Web site at http://digital.alight.com/alcatel-lucent;
• Visit your carrier’s Web site; or
• Call your carrier directly (the telephone number is on the back of your medical ID card).