Travel Benefit

In addition to the benefits coverage otherwise available, you may be eligible for a travel benefit when you use certain providers.

When services are referred by Raymond D. Wells PSC (also known as "Wells PSC") or coordinated by the Plan's Care Coordination Services, the travel benefit is available when you receive treatment from:

  • A Center of Expertise for a designated procedure
  • Cleveland Clinic
  • University of Kentucky's A.B. Chandler and Good Samaritan Hospitals
  • Surgery Center of Oklahoma
  • A Bundled Surgery Services provider

The following table clarifies the preauthorization, referral/coordination, and pre-approval requirements related to the travel benefit:

If you receive care from...
Is preauthorization for the health care services required to avoid the 25% benefit penalty (100% benefit penalty for transplants)?
Is referral from Wells PSC or coordination by Care Coordination Services required to receive the highest level of medical coverage?
Is referral from Wells PSC or coordination by Care Coordination Services required to receive the travel benefit?
Is pre-approval of travel expenses required to receive the travel benefit?
A Center of Expertise for a designated procedureYes, for all services listed in the Preauthorization Requirement section of "Highlights of the Plan."

No. Eligible expenses will still qualify for coverage at the Center of Expertise benefit level.YesYes.

If you are referred by Wells PSC, your travel expenses must be pre-approved by Wells PSC.

If you are not referred by Wells PSC, your travel expenses must be pre-approved by the Plan Administrator.

Cleveland Clinic, University of Kentucky, or Surgery Center of Oklahoma for a procedure that is not a designated procedureNo. Eligible expenses will still qualify for coverage at the INP benefit level.
A designated Bundled Surgery Services providerNo. Eligible expenses will still qualify for coverage at the INP benefit level.

The travel benefit provides reimbursement for pre-approved expenses, up to $10,000 in a 12-month period. To be eligible for reimbursement, expenses must be approved in advance (before you incur the expenses). Expenses eligible for reimbursement are:

  • Transportation in your personal vehicle reimbursed at the current IRS standard rate for medical travel, (for example, 17.0 cents per mile in 2017
  • Transportation by air, if approved in advance (at the "coach" fare rate), for the patient and a travel companion to and from the provider
  • Transportation by rental car (standard class), bus, taxi (including alternative services such as Uber or Lyft), or shuttle
  • Parking
  • Meal expenses for you and your travel companion (including actual meal expenses up to $100 per day, and not including alcohol, tobacco, or other non-food expenses)
  • Lodging (one room) for up to five nights (night before procedure and four days of post-procedure recovery

To receive reimbursement, submit receipts and a completed reimbursement form to the main office of Raymond D. Wells PSC or to the Plan Administrator, as appropriate.

For more information about the travel benefit, call Care Coordination Services at (855) 979-5206, or call Raymond D. Wells PSC at (859) 685-6360 (or ask your on-site Health Center).

Important: If your reimbursed expenses exceed certain IRS limits for medical-related transportation, the IRS will consider the excess amounts to be taxable income to you. For example, IRS limits for 2017 include $50/day per person for lodging. The IRS generally considers meal expenses to be non-medical and therefore taxable income to you.