Summary Plan Description
General Limitations and Exclusions
The following is a list of services and supplies which are limited or not covered by the Carpenters Health and Security Plan of Western Washington.
All benefits are subject to the provisions, definitions, and limitations and exclusions of this plan. Please refer to the specific benefit description for additional limitations and exclusions. A service or supply not expressly included in this plan booklet is not a covered benefit, even if it is not specifically excluded below. No benefits are provided for the following or for any direct or indirect complications or consequences thereof, unless specifically stated otherwise below or unless specifically provided for in the description of the benefit:
- Services or supplies not considered medically necessary. The fact that a procedure, service or supply may be furnished, prescribed, recommended, or approved by a provider does not, in itself, make it medically necessary or make the charge a covered expense, even though it is not specifically listed as an exclusion. A service or supply may be medically necessary in part only.
- Charges exceeding the maximum allowable fee as determined by this plan.
- Services or supplies not recommended and approved by a covered physician or other covered provider; elected by the patient and not approved by the covered physician or other covered provider; not covered as a result of a benefit reduction under the medical review program; that exceed benefit maximums; that exceed vision and dental scheduled amounts; or not specifically mentioned as covered by this plan.
- Services or supplies outside the scope of the provider's license, registration or certification, or that are furnished by a provider that is not currently licensed, registered or certified in the jurisdiction in which the services or supplies were received.
- Services or supplies that are experimental or investigative, or related complications.
- Any claim for services or supplies received by Carpenters Health and Security Trust 12 months or more after the date of service.
- If services or supplies qualify under more than one provision, the plan reserves the right to determine under which provision payment is made. In no event will an expense be covered under more than one provision of this plan.
- Services or supplies received or ordered when a plan benefit is not in effect, or when you or a dependent is not covered under this plan.
- Services or supplies not substantiated by medical records; charges for failure to keep a scheduled appointment; charges for telephone consultations (except as provided under Telehealth Consultations); or charges for the completion or submission of any forms, reports or medical records including the preparation and presentation of medical or psychological reports or physical examinations required primarily for the protection and convenience of the patient or third party.
- Inpatient hospital services (including physician's visits while hospitalized) when the admission is not medically necessary and the service could be provided in a lesser facility, such as a hospital outpatient department, physician's office or ambulatory surgical facility, etc., without adversely affecting the patient's physical condition. Such admissions include, but are not limited to, the following:
- Admissions primarily for observation or diagnostic studies that could be provided safely and adequately on an outpatient basis.
- Admissions for surgery, when the surgery could be safely and adequately performed on a same-day basis in a hospital, physician's office or independent ambulatory facility.
- Psychiatric admissions which are primarily to control or change the patient's environment when care could be provided safely and adequately on an outpatient basis or in a lesser facility than a hospital.
- Expenses incurred as a result of direct or indirect complications, consequences or after-effects, whether immediate or delayed, that arise from any condition, service, or supply that is not covered under this plan, except as specifically stated in this plan.
- Hospitalization for routine dental services, except when medically appropriate for children age six and under.
- Illnesses, injuries or conditions arising out of, or occurring in the course of, any occupation for wage or profit, regardless of whether benefits are recovered or recoverable through payment, adjudication or settlement of a claim under a workers' compensation law, occupational disease law, or similar law, even if the patient fails to make timely application for or waives the right to such benefits, or even if workers' compensation insurance was not purchased or the patient fails to make timely application.
- Services or supplies for which there are no charges made to the patient or for charges that would not have been made or that the patient would have had no obligation to pay in the absence of this plan, Medicare, or any federal, state or governmental program, except where required by law. This provision does not apply to benefits payable under Medicare at any time when compliance with federal law requires that the benefits of this plan must be determined before benefits are available under Medicare.
- Confinement, surgical, medical, or other treatment, or services or supplies received in or from a U.S. government hospital, except as required by law.
- Charges or lost wages incurred for any illness or injury caused by the act or omission of another person (known as the "third party"); or charges for any illness or injury for which first party coverage is available under an automobile, homeowners, renters, commercial premises, or other liability insurance policy insuring the participant or dependent, regardless of who caused the illness or injury (please see Trust's Right to Reimbursement).
- Illness or injury caused by war or any act of war, declared or undeclared, or service in the armed forces of any country.
- Intentionally self-inflicted injuries, or injuries self-inflicted or sustained during suicides or attempted suicides, unless the injuries were the result of a medical condition (physical or mental).
- Illnesses or injuries sustained in any of the following circumstances, provided that this exclusion does not apply to illnesses or injuries sustained as a victim of domestic violence:
- While engaged in any activity that results in committing an assault, battery or felony.
- While performing any acts of violence or physical force that would not be performed by a reasonably prudent person in similar circumstances.
- While participating in a riot.
- Expenses incurred while a person is in the custody of, or confined by, any enforcement officer or agency.
- Court-ordered care or assessments; or care in lieu of incarceration.
- Detention centers; reform schools; programs such as "outward bound" or "wilderness survival"; recreational or vocational therapy; or anger management classes. This exclusion applies regardless of the recommendation of the attending physician.
- Any injury sustained while practicing for, or competing in, a professional or semiprofessional athletic contest. Semiprofessional athletics means an athletic activity for gain or pay, that requires an unusually high level of skill and a substantial time commitment from individuals who are nevertheless not engaged in the activity as a full-time occupation.
- Cosmetic surgery, reconstructive surgery, or plastic surgery, including services, supplies or drugs or any portion thereof which improves, alters or enhances the texture or appearance of the skin, or the relative size or portion of any part of the body whether or not for psychological or emotional purposes, or is not needed to correct or improve a bodily function. The following are examples of what are not covered services or supplies: surgery for sagging skin of the eyelids (blepharochalasis), face, neck, abdomen, hips, or extremities (meloplasty, rhytidectomy or lipectomy); reshaping of the nose (rhinoplasty) or ears (otoplasty); and silicon or collagen injections to any part of the body.
- Biofeedback or neurofeedback, except as provided under Habilitative Care, Rehabilitative Care or TMJ and MPDS Treatment.
- Custodial care; nonmedical self-help or related testing; exercise or maintenance level programs; work hardening; behavioral training; recreational, vocational, educational, or cognitive therapy; neuromuscular reevaluations; gym or pool therapy; or sensory processing/integration therapy, except as provided under Behavioral Health Services.
- Services related to activities intended to promote overall fitness, sports conditioning or overuse, flexibility or sense of well being without direct relationship to restoration of a functional loss related to an illness, injury or surgery.
- Services or supplies provided by an institution which is primarily a rest home, a home for the aged, a nursing home, a convalescent home, or any of like character.
- Self-correcting dysfunction such as hoarseness, or language therapy for young children with natural dysfluency; oral myofunctional therapy; stammering and stuttering; tongue thrust; sensory integration therapy; state-required medical assessments for specialized educational programs; services or supplies required by law to be provided by any school system; or feeding therapy. This exclusion applies to all services and supplies except as provided under Behavioral Health Services.
- Services or supplies related to the correction of the gum, teeth or tissues of the mouth for dental purposes, including services or supplies related to the removal, repair, replacement, restoration, or repositioning of teeth lost or damaged in the course of biting or chewing, except as provided under Dental Accidents, Oral Surgery, or TMJ and MPDS Treatment.
- Services or supplies in connection with the correction of developmental or congenital abnormalities of the jaw or malocclusion of the jaw by orthognathic surgery with or without bone grafting performed by either a physician or dentist, except as provided under Orthognathic Surgery or TMJ and MPDS Treatment.
- Treatment of eating disorders such as anorexia nervosa, bulimia or any similar conditions, except as provided under Behavioral Health Services.
- Vision related problems including, but not limited to: dyslexia; visual analysis therapy or training related to muscular imbalance of the eye; orthoptics including special purpose vision aids; subnormal vision aids; aniseikonic lenses; tonography; or radial keratotomy or any other eye surgery when the primary purpose is to correct refractive errors such as, but not limited to, myopia (nearsightedness), hyperopia (farsightedness) or astigmatism (blurring).
- Services or supplies received by a participant, retiree or dependent which are recommended, prescribed or performed by an immediate family member, including a spouse, child, brother, sister, or parent of the participant or of the participant's spouse.
- The difference between the charge for the private room and a hospital's average charge for a semiprivate room, unless medically necessary; private or special duty nurses, regardless of where the services are rendered; or room and board for any day in which the patient is released from the hospital on a temporary pass, or for any charge related to a late discharge from the hospital when the late discharge is for patient or provider convenience.
- Services or supplies for pregnancy-related conditions (including routine testing) for dependent daughters including complications thereof, except prenatal services during pregnancy that are covered under the Women's Preventive Care Act. Refer to www.healthcare.gov/preventive-care-benefits.
- Services or supplies in connection with the diagnosis or treatment of reproductive or sexual dysfunctions and defects whether or not the consequence of an illness or injury, including but not limited to, impotency (except as provided under Erectile Dysfunction); frigidity; reversal of surgical sterilization; infertility, including but not limited to, in vitro fertilization, artificial insemination, embryo transfer, microinjections, zona drilling, or other artificial means of conception; fertility drugs (including, but not limited to, Clomid, Pergonal, Serophene, or HCG when associated with any artificial means of conception); or consecutive follicular ultrasounds, cycle therapy and corresponding lab tests when associated with any artificial means of conception.
- Obesity treatment regardless of diagnosis, including weight control programs, dietary or nutritional services or supplies, surgery or complications of surgery, prescription drugs, or wiring of the jaw or similar procedures, except as mandated by the Affordable Care Act (ACA) or under Bariatric Surgery.
- Diet substitutes or nutritional supplements or services, except as provided under Infusion Therapy; or dietary counseling or instructions (classes), except as provided under Diabetic Care.
- Personal convenience items including, but not limited to, telephones, televisions, guest accommodations, educational materials, bath aids, raised toilet seats, heating pads, enuresis (bed wetting) training equipment, whirlpool baths, exercise equipment, muscle stimulators, weights, keyboard communication devices, adjustable beds, three-wheeled scooters, customized car seats and strollers, feeding chairs, orthopedic chairs, personal hygiene items, blood pressure devices, deluxe items such as motorized equipment, air conditioners, humidifiers, or air filter systems.
- Acupuncture, naturopathic, homeopathic, holistic, hypnosis, clinical ecology, or herbalistic treatment by any provider; services of a massage therapist; hair, mineral, or gastric analysis; or chelation therapy (except for acute arsenic, gold, mercury or lead poisoning) by any provider.
- Services or supplies in connection with routine foot care, including hygienic care; trimming of nails; paring, excision, cauterization or radiation of corns or calluses; weak or fallen arches; flat or pronated feet; metatarsalgia; massage; casting, taping or manipulative procedures of the foot; over-the-counter orthotics including insoles, inlays or arch supports.
- Any warranty or service contract; or freight, postage or delivery charges.
- Marriage counseling, family counseling, or social adjustment counseling, except as medically necessary to treat a documented mental health condition or substance use disorder.
- Career counseling, pastoral counseling, or financial counseling.
- Physical, speech, respiratory, or occupational therapy, unless prescribed by a physician (or chiropractor in the case of a spinal condition) prior to commencement of treatment. The physician or chiropractor must include the frequency and duration of treatment needed.
- Expenses incurred as a result of direct or indirect complications, consequences or after-effects, whether immediate or delayed, that arise from any body piercing, tattooing or similar alteration.
- Services or supplies that are the result of errors in medical care, provided the errors are clearly identifiable, preventable, and serious in their consequences for the patient.
- Services and supplies that are the direct result of an avoidable health care facility condition. A condition will be considered avoidable if it could reasonably have been prevented through the application of evidence based guidelines, and was not present when the patient was admitted to the health care facility, but was present during the course of stay or shortly after discharge.
- Services or supplies that are not listed as covered under this plan.
- Any services or supplies that are contrary to guidelines and protocols adopted by the plan, the plan's preferred provider organization, utilization review organization, or pharmacy benefit manager, including guidelines and protocols concerning industry standards for diagnosis, treatment, prescription, or billing practices.
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