Individual and Family Plans

Understanding Your Coverage

Why Premiums Increased for 2018

Overall, plans across the country had to increase rates because of uncertainty in the market for 2018. Plans in Wisconsin are no different.

  • Premiums are based on the estimated total cost of care for members.
  • With several plans leaving the Exchange in Wisconsin, those that are left, like Network Health, are getting an influx of members. It’s increasingly difficult to predict the type of care all these new members will need. Because of that, rates go up to cover increased costs of care, and to account for unknown costs that are difficult to precisely estimate.
  • Other changes have been made at the federal level that increased rates. For example, the Centers for Medicare and Medicaid services increased a component of the rate structure for individuals between ages 0 to 20. Individuals between these ages will see an additional increase due to this governmental change.
  • Cost share reductions (CSRs) are no longer federally funded. Members who qualify for CSRs will still continue to have lower deductibles, out-of-pocket maximums, copayments and coinsurance. However, as a health plan, Network Health will no longer receive funds from the federal government to pay for the CSRs. Premium rate increases help replace the funds that are no longer being provided by the federal government.

To continue to serve our members on the Exchange, Network Health has to price our plans in a way that allows us to still continue to operate safely and offer the service our members deserve. We understand that health care can be expensive. We’ll continue to design our plans and pricing in the most efficient way possible, and do all we can to help our members. We’ve made other changes to our plans for 2018 to help keep costs manageable, including making preventive care more accessible. Some of our plans offer your first three primary care doctor visits at no cost (Prestige Bronze Essential and Prestige Silver Essential). We want to help build strong relationships between our members and their doctors.

Out-of-Network Liability

Except for emergency health and urgent care services, you must get prior authorization from Network Health for services performed by an out-of-network provider to be covered. A maximum out-of-network allowable amount may be applied when services are received from provider who is out-of-network.

Balance Billing

Balance billing occurs when a provider bills you for the difference between the charged amount and the maximum out-of-network allowable amount. For example, if the provider’s charge is $100 and the maximum allowed amount is $70, the provider may bill you for the remaining $30. You can’t be balance billed by an in-network provider.

Submitting Claims

Network Health processes claims according to state and federal time frames. Providers will file most claims, but if a member files a claim, he or she must provide all reasonably necessary information in order for the claim to process. Providing all the necessary information will allow Network Health to process the claim more quickly. If you have questions about benefits, eligibility or claims payment please call 855-275-1400.


When submitting a claim, please follow these guidelines.
  • Claims must be submitted in English.
  • Claims must be in writing.
  • Claims must be submitted within 90 days of when the service was performed. If it is not reasonably possible to submit the claim within the 90 days, Network Health will accept it until one year after that 90 days.

Network Health does not require a form to submit a claim. To arrange for reimbursement, send itemized bills and proof of payment within 90 days to Network Health.

Claims can be mailed to:
Network Health
Attn: Claims Department

P.O. Box 120
Menasha, WI 54952

Grace Periods and Pending Claims

After you have paid your first month’s premium, there is a grace period before Network Health can terminate your coverage if you do not pay your future premiums by the due date.

There are two separate grace periods. 
  1. If you are receiving an advance premium tax credit (APTC), you have a grace period of three consecutive months. Network Health will pay for care received during the first month of the grace period if you are receiving an APTC. However, during the second and third months of the grace period, we will withhold (pend) payment for claims until you pay all outstanding premiums. If full premium payment is not received, your coverage will end on the final day of the first month of the grace period. If your coverage is terminated for failure to make all premium payments in full, you are responsible for paying any medical expenses incurred during the second and third months of the grace period. Once your coverage has been terminated, you will not be able to re-enroll in a Marketplace Qualified Health Plan (QHP) until the next open enrollment period. The only exception is if you qualify for a special enrollment period. Losing coverage because you did not pay your premium does not qualify you for special enrollment period.
  2. If you are not receiving an APTC, your grace period is 31 days. If you are not receiving APTC and have paid your first month’s premium, Network Health will allow a grace period of 31 days following your premium due date to pay monthly premiums that are past due. During the grace period, your coverage will remain effective. No benefits are payable for expenses incurred during the grace period if the premium payment has not been received by the end of the grace period. If you fail to pay your premium during the grace period, your coverage will terminate at end of the period for which the last full premium payment was made.

The grace period doesn’t apply if your policy terminates for any reason other than not paying your premium.

 

Medical Necessity


Health care services or supplies are considered reasonable, medically necessary and/or appropriate when:
  • Appropriate and necessary to identify, diagnose or treat bodily injury or illness;
  • Appropriate for and consistent with the diagnosis in accord with generally accepted standards of the medical community;
  • Not primarily custodial care, maintenance therapy or habilitative services;
  • Provided in the least intense, most cost-effective setting or manner needed for your bodily injury or illness;
  • They could not have been provided in a doctor’s office if the services or supplies are institutional care;
  • Not primarily educational in nature;
  • Not for your vocation, comfort, convenience, exercise, physical fitness or recreation;
  • Not to improve the appearance of you or for the convenience of the provider.

Recoupment of Overpayments

If you feel you are entitled to a refund of premium, submit your request to Network Health in one of the following ways.

  • Call Network Health at 877-549-8793
  • Request a refund by writing to:
    • Network Health
      Attn: Manager, Accounts Receivable
      1570 Midway Place
      Menasha, WI 54952

Retroactive Denials


A retroactive denial is a reversal of a previously paid claim.

To avoid retroactive denials, you should pay premium your no later than 31 days after the due date.

Claims may be reprocessed retroactively up to 15 months from the date the provider was paid. Reprocessing may occur if you and/or the provider were overpaid or underpaid. The provider is responsible for reimbursing you if the new claim entitles you to a credit.

  • Two exceptions to the 15-month limitation are listed below.
    • Claim reversals due to situations involving fraud, waste or abuse.
    • Claim reversals due to member loss of eligibility (an example would be claims paid before notification of retro term of eligibility). 

Notification will be sent to you if the reversal is because of an error in the setup of a benefit and claims need to be reprocessed or new Summary of Member Responsibility Tables (SOMRs) needs to be sent.

If the reversal is due to an error in the provider contract or provider configuration, claims are required to be reprocessed. If necessary, the provider will be notified. You have one year from the proof of loss date to request review. Claims will be reprocessed regardless of the impact of your liability.
 

Drug Exceptions


If your drug is not on the 2018 Formulary, call our customer service department at 855-275-1400 to confirm that your drug is not covered. If Network Health does not cover your drug, you have two options.
  1. Ask customer service for a list of similar drugs covered by Network Health. When you get the list, share it with your doctor and ask them to prescribe a similar drug that is covered by Network Health. Similarly, preferred drugs that are covered by your plan’s formulary may be easier to obtain and could cost less than non-preferred drugs.
  2. Ask Network Health to make an exception and cover your drug. Exception requests may include the following:
    • You can ask us to cover your drug, even if it is not on our drug list.
    • You can ask us to remove coverage restrictions or limits on your drug. For example, for certain drugs, Network Health limits the amount of the drug that it will cover. If your drug has this quantity limit, you can ask us to remove the limit and cover more.

Generally, Network Health will only approve your request for an exception if the preferred drugs included on the plan’s drug list are not as effective in treating your condition or cause you to have adverse medical effects.


When you request an exception, please send a statement from your doctor that supports your request. Network Health will make a decision on your exception within three business days of receiving the necessary information. You can ask for an expedited (fast) decision if you or your doctor feels your health could be seriously harmed by the three-day waiting period. If your expedited request is granted, Network Health will give you a decision within 24 hours of receiving your doctor’s supporting statement.

For complete information about your Network Health prescription drug coverage, please view your policy.

Coordination of Benefits (COB) 

COB is available to you and allows you to manage your benefits when you and other members of your plan are covered by more than one health insurance plan. If COB applies, the order of benefit determination rules shall be looked at first. The rules explain whether the benefits of your Network Health plan are determined before or after those of another plan. This would include group insurance or coverage under a governmental plan that is required or provided by law (excluding Medicaid and Medicare).

Explanation of Benefits (EOB)

An EOB is a statement sent to you listing health care services you received, the amount billed and payment made.

Network Health
1570 Midway Place
Menasha, WI 54952
Hours
Mon., Wed.-Fri.: 8 a.m. to 5 p.m.
Tuesday: 8 a.m. to 4 p.m.