No exclusions for pre-existing conditions are included in any of the plans. They all have an in-network and an out-of-network option. In-network services require a nominal copayment; out-of-network services involve claim forms, deductibles, co-insurance and out-of-pocket maximums. Please refer to the Decision Guide for additional information.
Pharmacy is not included in your health plan, but you are automatically enrolled in prescription drug coverage when a Brown health plan is elected. View the Prescription Drug Coverage page to learn about your OptumRX pharmacy benefit.
Under the Patient Protection and Affordable Care Act (PPACA) employers are required to provide a Summary of Benefits and Coverage notice to help assist employees make informed decisions regarding employer provided health insurance.