Coverage under this plan qualifies as minimum essential coverage (MEC) and satisfies the Patient Protection and Affordable Care Act's (ACA) individual shared responsibility requirement.  Please visit the Internal Revenue Service (IRS) website at  
www.irs.gov/uac/Questions-and-Answers-on-the-Individual-Shared-Responsibility-Provision for more information on the individual requirement for MEC.

Our health coverage meets the minimum value standard of 60% established by the ACA. This means that we provide benefits to cover at least 60% of the total allowed costs of essential health benefits. The 60% standard is an actuarial value; your specific out-of-pocket costs are determined as explained in this brochure.

See www.opm.gov/healthcare-insurance for enrollment information as well as:

• Information on the FEHB Program and Plans available to you
• A health Plan comparison tool
• A list of agencies that participate in Employee Express
• A link to Employee Express
• Information on and links to other electronic enrollment systems

Also, your employing or retirement office can answer your questions, give you other plans’ brochures and other materials you need to make an informed decision about your FEHB coverage. These materials tell you:

• When you may change your enrollment
• How you can cover your family members
• What happens when you transfer to another Federal agency, go on leave without pay, enter military service, or retire
• What happens when your enrollment ends
• When the next Open Season for enrollment begins

We do not determine who is eligible for coverage and, in most cases, cannot change your enrollment status without information from your employing or retirement office.  For information on your premium deductions, you must also contact your employing or retirement office.

Once enrolled in your FEHB Program Plan, you should contact your carrier directly for updates and questions about your benefit coverage.

Self Only coverage is only for the enrollee.  Self Plus One coverage is for the enrollee and one eligible family member.  Self and Family coverage is for the enrollee, and one or more eligible family members.  Family members include your spouse, and your children under age 26, including any foster children authorized for coverage by your employing agency or retirement office. Under certain circumstances, you may also continue coverage for a disabled child 26 years of age or older who is incapable of self-support.

If you have a Self Only enrollment, you may change to a Self Plus One or Self and Family enrollment if you marry, give birth, or add a child to your family. You may change your enrollment 31 days before to 60 days after that event. The Self Plus One or Self and Family enrollment begins on the first day of the pay period in which the child is born or becomes an eligible family member. When you change to Self Plus One or Self and Family because you marry, the change is effective on the first day of the pay period that begins after your employing office receives your enrollment form. Benefits will not be available to your spouse until you are married. A carrier may request that an enrollee verify the eligibility of any or all family members listed as covered under the enrollee’s FEHB enrollment.

Contact your carrier to add a family member when there is already family Coverage.

Contact your employing or retirement office if you want to change from Self Only to Self Plus One or Self and Family. If you have a Self and Family enrollment, you may contact us to add a family member.

Your employing or retirement office will not notify you when a family member is no longer eligible to receive benefits. Please tell us immediately of changes in family member status, including your marriage, divorce, annulment, or when your child under reaches age 26. We will send written notice to you 60 days before we proactively disenroll your child on midnight of their 26th birthday unless your child is eligible for continued coverage because they are incapable of self-support due to a physical or mental disability that began before age 26.

If you or one of your family members is enrolled in one FEHB Plan, you or they cannot be enrolled in or covered as a family member by another enrollee in another FEHB Plan.

If you have a qualifying life event (QLE) - such as marriage, divorce, or the birth of a child - outside of the Federal Benefits Open Season, you may be eligible to enroll in the FEHB Program, change your enrollment, or cancel coverage.  For a complete list of QLEs, visit the FEHB website at www.opm.gov/healthcare-insurance/life-events.  If you need assistance, please contact your employing agency, Tribal Benefits Officer, personnel/payroll office, or retirement office.

Family members covered under your Self and Family enrollment are your spouse (including your spouse by a valid common-law marriage from a state that recognizes common-law marriages) and children as described below. A Self Plus One enrollment covers you and your spouse, or one other eligible family member as described below.

Natural children, adopted children, and stepchildren
Coverage: Natural children, adopted children, and stepchildren are covered until their 26th birthday.

Foster children
Coverage: Foster children are eligible for coverage until their 26th birthday if you provide documentation of your regular and substantial support of the child and sign a certification stating that your foster child meets all the requirements. Contact your human resources office or retirement system for additional information.

Children incapable of self-support
Coverage: Children who are incapable of self-support because of a mental or physical disability that began before age 26 are eligible to continue coverage. Contact your human resources office or retirement system for additional information.

Married children
Coverage: Married children (but NOT their spouse or their own children) are covered until their 26th birthday.

Children with or eligible for employer-provided health insurance
Coverage: Children who are eligible for or have their own employer-provided health insurance are covered until their 26th birthday.

Newborns of covered children are insured only for routine nursery care during the covered portion of the mother’s maternity stay.

You can find additional information at www.opm.gov/healthcare-insurance.

OPM implements the Federal Employees Health Benefits Children’s Equity Act of 2000. This law mandates that you be enrolled for Self Plus One or Self and Family coverage in the FEHB Program, if you are an employee subject to a court or administrative order requiring you to provide health benefits for your child(ren).

If this law applies to you, you must enroll in Self Plus One or Self and Family coverage in a health Plan that provides full benefits in the area where your children live or provide documentation to your employing office that you have obtained other health benefits coverage for your children. If you do not do so, your employing office will enroll you involuntarily as follows:

• If you have no FEHB coverage, your employing office will enroll you for Self Plus One or Self and Family coverage, as appropriate, in the lowest-cost nationwide plan option as determined by OPM.
• If you have a Self Only enrollment in a fee-for-service Plan or in an HMO that serves the area where your children live, your employing office will change your enrollment to Self Plus One or Self and Family, as appropriate, in the same option of the same Plan; or
• If you are enrolled in an HMO that does not serve the area where the children live, your employing office will change your enrollment to Self Plus One or Self and Family, as appropriate, in the lowest-cost nationwide plan option as determined by OPM.

As long as the court/administrative order is in effect, and you have at least one child identified in the order who is still eligible under the FEHB Program, you cannot cancel your enrollment, change to Self Only, or change to a Plan that does not serve the area in which your children live, unless you provide documentation that you have other coverage for the children.

If the court/administrative order is still in effect when you retire, and you have at least one child still eligible for FEHB coverage, you must continue your FEHB coverage into retirement (if eligible) and cannot cancel your coverage, change to Self Only, or change to a Plan that does not serve the area in which your children live as long as the court/administrative order is in effect. Similarly, you cannot change to Self Plus One if the court/administrative order identifies more than one child.  Contact your employing office for further information.

The benefits in this brochure are effective January 1. If you joined this Plan during Open Season, your coverage begins on the first day of your first pay period that starts on or after January 1. If you changed Plans or Plan options during Open Season and you receive care between January 1 and the effective date of coverage under your new Plan or option, your claims will be processed according to the 2026 benefits of your prior plan or option.  If you have met (or pay cost-sharing that results in your meeting) the out-of-pocket maximum under the prior plan or option, you will not pay cost-sharing for services covered between January 1 and the effective date of coverage under your new plan or option. However, if your prior plan left the FEHB Program at the end of 2025, you are covered under that Plan’s 2025 benefits until the effective date of your coverage with your new Plan. Annuitants’ coverage and premiums begin on January 1. If you joined at any other time during the year, your employing office will tell you the effective date of coverage.

If your enrollment continues after you are no longer eligible for coverage (i.e. you have separated from Federal service) and premiums are not paid, you will be responsible for all benefits paid during the period in which premiums were not paid. You may be billed for services received directly from your provider. You may be prosecuted for fraud for knowingly using health insurance benefits for which you have not paid premiums. It is your responsibility to know when you or a family member are no longer eligible to use your health insurance coverage.

You will receive an additional 31 days of coverage, for no additional premium, when:

• Your enrollment ends, unless you cancel your enrollment, or
• You are a family member who is no longer eligible for coverage.

Any person covered under the 31 day extension of coverage who is confined in a hospital or other institution for care or treatment on the 31^st day of the temporary extension is entitled to continuation of the benefits of the Plan during the continuance of the confinement but not beyond the 60^th day after the end of the 31 day temporary extension.

You may be eligible for spouse equity coverage or assistance with enrolling in a conversion policy (a non-FEHB individual policy).

If you are an enrollee, and your divorce or annulment is final, your ex-spouse cannot remain covered as a family member under your Self Plus One or Self and Family enrollment. You must contact us to let us know the date of the divorce or annulment and have us remove your ex-spouse. We may ask for a copy of the divorce decree as proof. In order to change enrollment type, you must contact your employing or retirement office. A change will not automatically be made.

If you were married to an enrollee and your divorce or annulment is final, you may not remain covered as a family member under your former spouse’s enrollment. This is the case even when the court has ordered your former spouse to provide health coverage for you. However, you may be eligible for your own FEHB coverage under either the spouse equity law or Temporary Continuation of Coverage (TCC). If you are recently divorced or are anticipating a divorce, contact your ex-spouse’s employing or retirement office to get additional information about your coverage choices, visit https://www.opm.gov/healthcare-insurance/life-events/memy-family/im-separated-or-im-getting-divorced/#url=Health. We may request that you verify the eligibility of any or all family members listed as covered under the enrollee’s FEHB enrollment.

If you leave Federal service, Tribal employment, or if you lose coverage because you no longer qualify as a family member, you may be eligible for Temporary Continuation of Coverage (TCC). For example, you can receive TCC if you are not able to continue your FEHB enrollment after you retire, if you lose your Federal or Tribal job, or if you are a covered child and you turn 26.

You may not elect TCC if you are fired from your Federal or Tribal job due to gross misconduct.

Enrolling in TCC. Get the RI 79-27, which describes TCC, from your employing or retirement office or from https://www.opm.gov/healthcare-insurance. It explains what you have to do to enroll. 

Alternatively, you can buy coverage through the Health Insurance Marketplace where, depending on your income, you could be eligible for a tax credit that lowers your monthly premiums. Visit www.HealthCare.gov to compare plans and see what your premium, deductible, and out-of-pocket costs would be before you make a decision to enroll. Finally, if you qualify for coverage under another group health plan (such as your spouse’s plan), you may be able to enroll in that plan, as long as you apply within 30 days of losing FEHB Program coverage.

You may convert to a non-FEHB individual policy if:

• Your coverage under TCC or the spouse equity law ends (If you canceled your coverage or did not pay your premium, you cannot convert);
• You decided not to receive coverage under TCC or the spouse equity law; or
• You are not eligible for coverage under TCC or the spouse equity law.

If you leave Federal or Tribal service, your employing office will notify you of your right to convert. You must contact us in writing within 31 days after you receive this notice. However, if you are a family member who is losing coverage, the employing or retirement office will not notify you. You must contact us in writing within 31 days after you are no longer eligible for coverage.

Your benefits and rates will differ from those under the FEHB Program; however, you will not have to answer questions about your health, a waiting period will not be imposed, and your coverage will not be limited due to pre-existing conditions. When you contact us we will assist you in obtaining information about health benefits coverage inside or outside the Affordable Care Act's Health Insurance Marketplace in your state. For assistance in finding coverage, please contact us at 787-774-6081 (TTY: 787-792-1370) from Puerto Rico or 800-716-6081 (TTY:866-215-1999) from the U.S. Virgin Islands, or visit our website at www.ssspr.com.

If you would like to purchase health insurance through the ACA's Health Insurance Marketplace, please visit www.HealthCare.gov. This is a website provided by the U.S. Department of Health and Human Services that provides up-to-date information on the Marketplace.

We will send you an identification (ID) card when you enroll. You should carry your ID card with you at all times.  You must show it whenever you receive services from a Plan provider, or fill a prescription at a Plan pharmacy. Your ID card does not have an expiration date to ensure the continuity of services and to avoid waiting for a new one.  Until you receive your ID card, use your copy of the Health Benefits Election Form, SF-2809, your health benefits enrollment confirmation letter (for annuitants), or your electronic enrollment system (such as Employee Express) confirmation letter.

If you do not receive your ID card within 30 days after the effective date of your enrollment, or if you need replacement cards, call us at 787-774-6081 (TTY: 787-792-1370) from Puerto Rico or 800-716-6081 (TTY: 866-215-1999) from the U.S. Virgin Islands, or write to us at Triple-S Salud, Inc. (Triple-S Salud), Customer Service Department, 1441 Roosevelt Avenue, San Juan, Puerto Rico 00920. You may also request replacement cards through our website at www.ssspr.com.

You get care from “Plan providers” and “Plan facilities.” You will only pay copayments and/or coinsurances.  If you use our point-of-service program, you can also get care from non-Plan providers but it will cost you more. If you use our Open Access program you can receive covered services from a participating provider without a required referral from your primary care provider or by another participating provider in the network.

Plan providers are physicians and other healthcare professionals in our service area that we contract with to provide covered services to our members. Services by Plan Providers are covered when acting within the scope of their license or certification under applicable state law. We credential Plan providers according to national standards. 

Benefits are provided under this Plan for the services of covered providers, in accordance with Section 2706(a) of the Public Health Service Act. Coverage of practitioners is not determined by your state’s designation as a medically underserved area.

We list Plan providers in the provider directory, which we update periodically.  The list is also on our website. 

Benefits described in this brochure are available to all members meeting medical necessity guidelines regardless of race, color, national origin, age, disability, religion, sex, pregnancy, or genetic information.

This plan provides Care Coordinators for complex conditions and can be reached 787-706-2552 option 3 for assistance.

Plan facilities are hospitals  and other facilities in our service area that we contract with to provide covered services to our members. We list these in the provider directory, which we update periodically. The list is also on our website.

Triple-S’s personnel is located at the hospitals in this network in order to provide you with educational material and coordinate services for you, such as:

• Admission process
• Precertifications
• Post discharge physician visits 

To know which in-network hospitals provide these services, refer to your provider directory.

Non-Plan Providers are physicians, medical groups or providers who do not have an active contracts with Triple-S but they are health professionals and providers of services which are covered by this plan. We reimburse members based on our established fees. 

You may refer to Section 1, How this plan works, under How we pay providers, for more information on reimbursement of non-plan providers.

It depends on the type of care you need. First, you and each family member must choose a primary care provider. This decision is important since your primary care provider provides or arranges for most of your health care.

Your primary care provider can be a family practitioner or internist, for example. Your physician will provide most of your healthcare, or refer you to a specialist.

If you want to change your general practitioner physician or if your general practitioner physician leaves the Plan, call us. We will help you select a new one.

Your general practitioner physician will refer you to a specialist for needed care.

Here are other things you should know about specialty care:

• If you are seeing a specialist and your specialist leaves the Plan, call us. We will provide you a list of specialists within your area. You may receive services from your current specialist until we can make arrangements for you to see someone else.
• You may continue seeing your specialist for up to 90 days if you are undergoing treatment for a chronic or disabling condition and you lose access to your specialist because:
  
  • we terminate our contract with your specialist for other than cause;
  • we drop out of the Federal Employees Health Benefits (FEHB) Program and you enroll in another FEHB Plan; or
  • we reduce our Service Area and you enroll in another FEHB plan;

Contact us at 787-774-6081 (TTY: 787-792-1370) from Puerto Rico or 800-981-3241 (TTY: 866-215-1999) from the U.S. Virgin Islands or, if we drop out of the Program, contact your new plan.

• If you are in the second or third trimester of pregnancy and you lose access to your specialist based on the above circumstances, you can continue to see your specialist until the end of your postpartum care, even if it is beyond the 90 days.

Note: If you lose access to your specialist because you changed your carrier or plan option enrollment, contact your new plan.

Sex-Trait Modification: If you are mid-treatment under this Plan, within a surgical or chemical regimen for Sex-Trait Modification for diagnosed gender dysphoria, for services for which you received covered under the 2025 Plan brochure, you may seek an exception to continue care for that treatment. You may be eligible for our exception process only if the covered surgical or chemical regimen was initiated, with prior approval, in 2025. Please refer to https://salud.grupotriples.com/en/health-insurance-plans/triple-s-salud-for-federal-employee/ for additional details, forms and requirements regarding the exception process or call us at 787-774-6081 (TTY: 787-792-1370) from Puerto Rico or 800-716-6081 (TTY: 866-215-1999) from the U.S. Virgin Islands for assistance. If you disagree with our decision on your exception, please see Section 8 of this brochure for the disputed claims process. 

Individuals under age 19 are not eligible for exceptions related to services for ongoing surgical or hormonal treatment for diagnosed gender dysphoria.

Your Plan general practitioner physician or specialist will make necessary hospital arrangements and supervise your care. This includes admission to a skilled nursing or other type of facility.

We pay for covered services from the effective date of your enrollment. However, if you are in the hospital when your enrollment in our Plan begins, call our customer service department immediately at 787-774-6081 (TTY: 787-792-1370) from Puerto Rico or 800-716-6081 (TTY: 866-215-1999) from the U.S. Virgin Islands. If you are new to the FEHB Program, we will arrange for you to receive care and provide benefits for your covered services while you are in the hospital beginning on the effective date of your coverage.

If you changed from another FEHB Plan to us, your former Plan will pay for the hospital stay until:

• you are discharged, not merely moved to an alternative care center;
• the day your benefits from your former Plan run out; or
• the 92^nd day after you become a member of this Plan, whichever happens first.

These provisions apply only to the benefits of the hospitalized person. If your Plan terminates participation in the FEHB Program in whole or in part, or if OPM orders an enrollment change, this continuation of coverage provision does not apply. In such cases, the hospitalized family member’s benefits under the new Plan begin on the effective date of enrollment.

FEHB Carriers must have clauses in their in-network (participating) provider agreements. These clauses provide that, for a service that is a covered benefit in the plan brochure or for services determined not medically necessary, the in-network provider agrees to hold the covered individual harmless (and may not bill) for the difference between the billed charge and the in network contracted amount. If an in-network provider bills you for covered services over your normal cost share (deductible, copay, co-insurance) contact your Carrier to enforce the terms of its provider contract.

Since your network physician arranges inpatient hospitalization and most referrals to specialists, the pre-service claim approval process only applies to care shown under Other services or out-of-network care when you self-refer. 

You must get prior approval for certain services. Failure to do so will result in a denial of service.

Your general practitioner physician may refer you for most services.  For certain services, your physician must obtain approval from us.  Before giving approval, we consider if the service is covered, medically necessary, and follows generally accepted medical practice.  We call this review and approval precertification.  Call us at 787-774-6081 (TTY: 787-792-1370) from Puerto Rico or 800-716-6081 (TTY: 866-215-1999) from the U.S. Virgin Islands.

We will provide benefits for covered services only when services are medically necessary to prevent, diagnose or treat your illness or condition.  You or your Plan provider must obtain precertification from this Plan for the following benefits or services:

• Services outside the Service Area, except emergencies; we will precertify services outside the service area, which will include payment determination, for those services that are not available in Puerto Rico;
• Chemotherapy drugs, radiation therapy, and genetic testing; 
• Rental and purchase of durable medical equipment (DME);
• Skilled Nursing Facility;
• Organ and tissue transplants (see Note below);
• Lithotripsy;
• Osteotomy;
• Mammoplasty;
• Growth hormone therapy;
• Drugs identified with a precertification in the list of drugs;
• Positron Emission Tomography (PET AND PET-CT);
• Septoplasty;
• Rhinoplasty;
• Blepharoplasty;
• Office surgeries to be performed at hospitals;
• Surgical treatment of morbid obesity (bariatric surgery);
• Prosthetic tracheostomy speaking valve;
• Tracheo-esophageal voice prosthesis;
• Insulin pumps and/or their supplies;
• Implant replacement;
• Treatment for lymphedemas, when the treatment is other than any physical complication after a mastectomy procedure; and,
• Infertility services

Note:  There is a special prior approval process for transplant cases. To be considered for an organ/tissue transplant, members must:

• have a diagnosis indicative for transplant;
• have a medical history with recent documents including results of laboratories, tests and consultations; and
• meet the clinical criteria for the transplant. 

The referral can be sent thru fax 787-625-8650 / 787-774-4824 or by e-mail at manejocasos@ssspr.com to the Case Management Department.  All organ/tissue services require our prior approval for each transplant phase.

When you remain within our network, network providers will take care of precertification for you.  When you seek out-of-network care, your physician, your hospital, you or your representative, must call us at 787-774-6081 (TTY: 787-792-1370) from Puerto Rico or 800-716-6081 (TTY: 866-215-1999) from the U.S. Virgin Islands before admission or services requiring precertification are rendered.

Next, provide the following information:

• enrollee’s name and Plan identification number;
• patient’s name, birth date, identification number and phone number;
• reason for hospitalization, proposed treatment, or surgery;
• name and phone number of admitting physician;
• name of hospital or facility; and
• number of days requested for hospital stay.

For non-urgent care claims, we will tell the physician and/or facility the care that we approve for services that must have prior approval.  We will make our decision within 15 days of receipt of the pre-service claim.  If matters beyond our control require an extension of time, we may take up to an additional 15 days for review and we will notify you of the need for an extension of time before the end of the original 15-day period. Our notice will include the circumstances underlying the request for the extension and the date when a decision is expected. 

If we need an extension because we have not received necessary information from you, our notice will describe the specific information required and we will allow you up to 60 days from the receipt of the notice to provide the information. 

If you have an urgent care claim (i.e., when waiting for the regular time limit for your medical care or treatment could seriously jeopardize your life, health, or ability to regain maximum function, or in the opinion of a physician with knowledge of your medical condition, would subject you to severe pain that cannot be adequately managed without this care or treatment), we will expedite our review and notify you of our decision within 72 hours.  If you request that we review your claim as an urgent care claim, we will review the documentation you provide and decide whether or not it is an urgent care claim by applying the judgment of a prudent layperson that possesses an average knowledge of health and medicine.

If you fail to provide sufficient information, we will contact you within 24 hours after we receive the claim to let you know what information we need to complete our review of the claim.  You will then have up to 48 hours to provide the required information.  We will make our decision on the claim within 48 hours of (1) the time we received the additional information or (2) the end of the time frame, whichever is earlier.

We may provide our decision orally within these time frames, but we will follow up with written or electronic notification within three days of oral notification. 

You may request that your urgent care claim on appeal be reviewed simultaneously by us and OPM. Please let us know that you would like a simultaneous review of your urgent care claim by OPM either in writing at the time you appeal our initial decision, or by calling us at 787-774-6081 (TTY: 787-792-1370) from Puerto Rico or 800-716-6081 (TTY: 866-215-1999) from the U.S. Virgin Islands. You may also call OPM's Health Insurance 2 at 202-606-3818 between 8 a.m. and 5 p.m. Eastern Time to ask for the simultaneous review. We will cooperate with OPM so they can quickly review your claim on appeal. In addition, if you did not indicate that your claim was a claim for urgent care, call us at 787-774-6081 (TTY: 787-792-1370) from Puerto Rico or 800-716-6081 (TTY: 866-215-1999) from the U.S. Virgin Islands. If it is determined that your claim is an urgent care claim, we will expedite our review (if we have not yet responded to your claim).

A concurrent care claim involves care provided over a period of time or over a number of treatments.  We will treat any reduction or termination of our pre-approved course of treatment before the end of the approved period of time or number of treatments as an appealable decision. This does not include reduction or termination due to benefit changes or if your enrollment ends.  If we believe a reduction or termination is warranted, we will allow you sufficient time to appeal and obtain a decision from us before the reduction or termination takes effect. 

If you request an extension of an ongoing course of treatment at least 24 hours prior to the expiration of the approved time period and this is also an urgent care claim, we will make a decision within 24 hours after we receive the claim.

You do not need precertification of a maternity admission for a routine delivery. However, if your medical condition requires you to stay more than 48 hours after a vaginal delivery or 96 hours after a cesarean section, then your physician or the hospital must contact us for precertification of additional days. Further, if your baby stays after you are discharged, your physician or the hospital must contact us for precertification of additional days for your baby. 

Note: When a newborn requires definitive treatment during or after the mother’s hospital stay, the newborn is considered a patient in their own right. If the newborn is eligible for coverage, regular medical or surgical benefits apply rather than maternity benefits.

If you request an extension of an ongoing course of treatment at least 24 hours prior to the expiration of the approved time period and this is also an urgent care claim, we will make a decision within 24 hours after we receive the claim.

If you have a pre-service claim and you do not agree with our decision regarding precertification of an inpatient admission or prior approval of other services, you may request a review in accord with the procedures detailed below. If your claim is in reference to a contraceptive, call 787-774-6081 (TTY: 787-792-1370) from Puerto Rico or 800-716-6081 (TTY: 866-215-1999) from the U.S. Virgin Islands.

If you have already received the service, supply, or treatment, then you have a post-service claim and must follow the entire disputed claims process detailed in Section 8.

Within 6 months of our initial decision, you may ask us in writing to reconsider our initial decision. Follow Step 1 of the disputed claims process detailed in Section 8 of this brochure.

In the case of a pre-service claim and subject to a request for additional information, we have 30 days from the date we receive your written request for reconsideration to do one of the following:

1.  Precertify your hospital stay or, if applicable, arrange for the healthcare provider to give you the care or grant your request for prior approval for a service, drug, or supply.

2.  Ask you or your provider for more information.

You or your provider must send the information so that we receive it within 60 days of our request. We will then decide within 30 more days.

If we do not receive the information within 60 days, we will decide within 30 days of the date the information was due. We will base our decision on the information we already have. We will write to you with our decision.

3. Write to you and maintain our denial.

In the case of an appeal of a pre-service urgent care claim, within 6 months of our initial decision, you may ask us in writing to reconsider our initial decision.  Follow Step 1 of the disputed claims process detailed in Section 8 of this brochure. 

Unless we request additional information, we will notify you of our decision within 72 hours after receipt of your reconsideration request.  We will expedite the review process, which allows oral or written requests for appeals and the exchange of information by telephone, electronic mail, facsimile, or other expeditious methods.

Cost-sharing is the general term used to refer to your out-of-pocket costs (e.g., coinsurance, and copayments) for the covered care you receive.

A copayment is a fixed amount of money you pay to the provider, facility, pharmacy, etc., when you receive certain services.

Coinsurance is the percentage of our negotiated fee that you must pay for your care.

Example: In our Plan, you pay 20% of our allowance for certain diagnostic tests.

You should also see section Important Notice About Surprise Billing – Know Your Rights below that describes your protections against surprise billing under the No Surprises Act.

After your (copayments and coinsurance) reaches the out-of-pocket maximum you do not have to pay any more for covered services, with the exception of certain cost sharing for the services below which do not count toward your catastrophic protection out-of-pocket maximum.

Your out-of-pocket maximum for services rendered during the 2026 calendar year is:

Self Only $6,600 in network
Self Plus One $13,200 combined but will not exceed $6,600 per member
Self and Family $13,200 combined but will not exceed $6,600 per member

Your out-of-pocket maximum may differ if you changed plans at Open Season.

The following services do not count toward your out-of-pocket maximum and you must continue to pay for these services:

• Difference between our Plan allowance and the billed charges for a covered service or supply; 
• Cost of non-covered services or supplies; and,
• Coinsurance you pay when you use non-Plan providers.

If you changed to this Plan during Open Season from a Plan with a catastrophic protection benefit and the effective date of the change was after January 1, any expenses that would have applied to that Plan’s catastrophic protection benefit during the prior year will be covered by your prior plan if they are for care you received in January before your effective date of coverage in this Plan. If you have already met your prior plan’s catastrophic protection benefit level in full, it will continue to apply until the effective date of your coverage in this Plan. If you have not met this expense level in full, your prior plan will first apply your covered out-of-pocket expenses until the prior year’s catastrophic level is reached and then apply the catastrophic protection benefit to covered out-of-pocket expenses incurred from that point until the effective date of your coverage in this Plan. Your prior plan will pay these covered expenses according to this year’s benefits; benefit changes are effective January 1.

The No Surprises Act (NSA) is a federal law that provides you with protections against “surprise billing” and “balance billing” for out-of-network emergency services; out-of-network non-emergency services provided with respect to a visit to a participating health care facility; and out-of-network air ambulance services.

For detailed information of Glossary of Medical Terms and Health Insurance please refer to https://salud.grupotriples.com/en/glossary-of-terms/

A surprise bill is an unexpected bill you receive for

• emergency care – when you have little or no say in the facility or provider from whom you receive care, or for
• non-emergency services furnished by nonparticipating providers with respect to patient visits to participating health care facilities, or for
• air ambulance services furnished by nonparticipating providers of air ambulance services.

Balance billing happens when you receive a bill from the nonparticipating provider, facility, or air ambulance service for the difference between the nonparticipating provider's charge and the amount payable by your health plan.

Your health plan must comply with the NSA protections that hold you harmless from surprise bills.

In addition, your health plan adopts and complies with the surprise billing laws of Law 134 of September 1, 2020 “Law for the Protection of Patients against Surprise Medical Bills” of Puerto Rico.

For specific information on surprise billing, the rights and protections you have, and your responsibilities go to www.ssspr.com or contact the health plan at 787-774-6081.

• Healthcare FSA (HCFSA) – Reimburses an FSA participant for eligible out-of-pocket healthcare expenses (such as copayments, deductibles, over-the-counter drugs and medications, vision and dental expenses, and much more) for their tax dependents, and their adult children (through the end of the calendar year in which they turn 26).
• FSAFEDS offers paperless reimbursement for your HCFSA through a number of FEHB and FEDVIP plans. This means that when you or your provider files claims with your FEHB or FEDVIP plan, FSAFEDS will automatically reimburse your eligible out-of-pocket expenses based on the claim information it receives from your plan.

Professional services of physicians

• General practitioner's office visit within our Salus Clinics

Network: Nothing

• In physician’s office
• Second surgical opinion
• Office medical consultations
• Initial examination of a newborn child

Network: $7.50 per office visit to your general practitioner or specialist physician

Out-of-network: 10% of the allowable charges after any applicable copay or coinsurance, plus any difference between our
allowance and the billed amount 

• In an urgent care center or emergency room
• During a hospital stay
• In a skilled nursing facility – precertification required - (refer to Section 3)

Network: Nothing

Out-of-Network: 10% of the allowable charges plus any difference between our allowance and the billed amount 

Network: $15 per physician visit 

Out-of-Network: 10% of the allowable charges after any applicable copay or coinsurance, plus any difference between our allowance and the billed amount

Not covered:

• Private nursing care, except for treatment of mental illness

• Unlimited online virtual consults through Teleconsulta MD: www.triplessalud.mytelehealth.com/landing.htm

Network: $0 per consult

Out-of-Network: All charges

Note: Available 7 days a week from 6am-10pm

Tests, such as:

• Blood tests
• Urinalysis

Network:  $1.00 per laboratory

Out-of-Network: 10% of the allowable charges after any applicable copay or coinsurance, plus any difference between our allowance and the billed amount

• Polysomnography
• Genetic amniocentesis
• Non-invasive vascular and cardiovascular tests
• EEG

Network: 20%

Out-of-Network: 10% of the allowable charges after any applicable copay or coinsurance, plus any difference between our allowance and the billed amount

• Pathology
• Non-routine Pap test
• X-ray
• Non-routine Mammogram
• Nuclear medicine tests
• Hepatobiliary ductal system imaging (HIDA)
• Cat Scans (CT)/Magnetic resonance (MRI, MRA)
• Ultrasound, including Biophysical Profile
• Invasive cardiovascular tests

Network: Nothing

Out-of-Network: 10% of the allowable charges, plus any difference between our allowance and the billed amount

Routine physical every 12 months:

We cover a comprehensive range of A and B rated preventive care services for adults as recommended by the United States Preventive Services Task Force (USPSTF).  Members over age 21 may obtain covered preventive services through our network Preventive Centers.

The following preventive services are covered at the time interval recommended at each of the links below:

• U.S. Preventive Services Task Force (USPSTF) A and B recommended screenings such as cancer, osteoporosis, depression, diabetes, high blood pressure, total blood cholesterol, lipid panel test, HIV, colorectal cancer. For a complete list of screenings go to the website at: 
  https://www.uspreventiveservicestaskforce.org/uspstf/recommendation-topics/uspstf-a-and-b-recommendations
• Individual counseling on prevention and reducing health risks
• Preventive care benefits for women such as Pap smears, gonorrhea prophylactic medication to protect newborns, annual counseling for sexually transmitted infections, contraceptive methods, and screening for interpersonal and domestic violence. For a complete list of preventive care benefits for women go to the Health and Human Services (HHS) website at https://www.hrsa.gov/womens-guidelines
• To build your personalized list of preventive services go to www.health.gov/myhealthfinder

Network: Nothing

Out-of-Network: 10% of the allowable charges plus any difference between our allowance and the billed amount

Screening mammogram, including digital tomosynthesis:

• From age 35 through 39, one during this five-year period
• From age 40 through 64, one every calendar year

At age 65 and older, one every two consecutive calendar years 

Network: Nothing

Out-of-Network: 10% of the allowable charges plus any difference between our allowance and the billed amount 

Screenings such as cancer, osteoporosis, depression, diabetes, high blood pressure, total cholesterol, lipid panel test, HIV, colorectal cancer screening including colonoscopy screening for members 40 and over.

Network: Nothing

Out-of-Network: 10% of the allowable charges plus any difference between our allowance and the billed amount

Adult immunizations endorsed by the Centers for Disease Control and Prevention (CDC): based on the Advisory Committee on Immunization Practices (ACIP) schedule. . For a complete list of endorsed immunizations go to the Centers for Disease Control (CDC) website at https://www.cdc.gov/vaccines/imz-schedules/index.html

Immunizations such as Pneumococcal, influenza, shingles, tetanus/Tdap, and human papillomavirus (HPV) including members ages 27 to 45 for high-risk members. For a complete list of immunizations go to the Centers for Disease Control (CDC) website at: https://www.cdc.gov/vaccines/imz-schedules/index.html

• Routine exams limited to:
  • One routine eye exam every 12 months
  • One routine hearing exam every 12 months

Note: Any procedure, injection, diagnostic service, laboratory, or X-ray service done in conjunction with a routine examination and is not included in the preventive recommended listing of services will be subject to the applicable member copayments and coinsurance.

Network: Nothing

Out-of-Network: 10% of the allowable charges plus any difference between our allowance and the billed amount

• Electrocardiogram (EKG), once per year
• Spirometry, once per year
• Hemoglobin A1c, once per year
• CBC, once per year
• PSA, once per year
• Thyroid, once per year

Network: Nothing

Out-of-Network: 10% of the allowable charges plus any difference between our allowance and the billed amount

HIV Preexposure Prophylaxis (PrEP)

• testing for HIV infection with an FDA-approved antigen/antibody immunoassay
• testing for sexually transmitted infections
• pregnancy testing when appropriate
• kidney function and serologic testing for hepatitis B prior to initiating a tenofovir-containing therapy
• lipid profile testing prior to initiating TAF/FTC

Network: Nothing

Out-of-Network: 10% of the allowable charges plus any difference between our allowance and the billed amount

• Transportation Services to and from our Preventive Centers, up to 4 trips

Network: Nothing

Out-of-Network: Not covered

Obesity counseling, screening and referral for those persons at or above the USPSTF obesity prevention risk factor level, to intensive nutrition and behavioral weight-loss therapy, counseling, or family centered programs under the USPSTF A and B recommendations are covered as part of prevention and treatment of obesity as follows:

• Intensive nutrition and behavioral weight-loss counseling therapy,
• Family centered programs when medically identified to support obesity prevention and management by an in-network provider.

Note: Please refer to Educational classes and programs information shown in Section 5(a). 

Note: When anti-obesity medication is prescribed see Section 5(f).

Note: When Bariatric or Metabolic surgical treatment or intervention is indicated for severe obesity see Section 5(b).

Network: Nothing

Out-of-Network: 10% of the allowable charges plus any difference between our allowance and the billed amount

Not covered:

• Physical exams and immunizations required for obtaining or continuing employment or insurance, attending schools or camp, athletic exams or travel.
• Medications for travel or work-related exposure.

All charges

• Well-child visits examinations, and other preventive services as described in the Bright Future Guidelines provided by the American Academy of Pediatrics. For a complete list of the American Academy of Pediatrics Bright Futures Guidelines go to: https://brightfutures.aap.org
• Children's immunizations endorsed by the Centers for Disease Control (CDC) including DTaP/Tdap, Polio, Measles, Mumps, and Rubella (MMR), and Varicella. For a complete list of immunizations go to the website at www.cdc.gov/vaccines/schedules/index.html
• You may also find a complete list of U.S. Preventive Services Task Force (USPSTF) A and B recommendations online at: www.uspreventiveservicestaskforce.org/uspstf/recommendation-topics/uspstf-a-and-b-recommendations

Note: Any procedure, injection, diagnostic service, laboratory, or X-ray service done in conjunction with a routine examination and is not included in the preventive recommended listing of services will be subject to the applicable member copayments and coinsurance.

Network: Nothing

Out-of-Network: 10% of the allowable charges plus any difference between our allowance and the billed amount

Obesity counseling, screening and referral for those persons at or above the USPSTF obesity prevention risk factor level, to intensive nutrition and behavioral weight-loss therapy, counseling, or family centered programs under the USPSTF A and B recommendations are covered as part of prevention and treatment of obesity as follows:

• Intensive nutrition and behavioral weight-loss counseling therapy,
• Family centered programs when medically identified to support obesity prevention and management by an in-network provider.

Note: Please refer to Educational classes and programs information shown in Section 5(a). See page 38.

Note: When anti-obesity medication is prescribed see Section 5(f).

Note: When Bariatric or Metabolic surgical treatment or intervention is indicated for severe obesity see Section 5(b).

Network: Nothing

Out-of-Network: 10% of the allowable charges plus any difference between our allowance and the billed amount

Complete maternity (obstetrical) care, such as:

• Screening for gestational diabetes
• Prenatal and Postpartum care
• Delivery
• Screening and counseling for prenatal and postpartum depression

Note: Here are some things to keep in mind:

• You do not need to precertify your vaginal delivery; see Section 3 page 20 for other circumstances, such as extended stays for you or your baby.
• You may remain in the hospital up to 48 hours after a vaginal delivery and 96 hours after a cesarean delivery. We will extend your inpatient stay if medically necessary.
• We cover routine nursery care of the newborn child during the covered portion of the mother’s maternity stay. We will cover other care of an infant who requires non-routine treatment only if we cover the infant under a Self Plus One or Self and Family enrollment. 
• We pay hospitalization and surgeon services for non-maternity care the same as for illness and injury.
• Hospital services are covered under Section 5(c) and Surgical benefits Section 5(b).

Note: When a newborn requires definitive treatment during or after the mother's hospital stay, the newborn is considered a patient in their own right. If the newborn is eligible for coverage, regular medical or surgical benefits apply rather than maternity benefits. In addition, circumcision is covered at the same rate as for regular medical or surgical benefits.

Network: $0 copay for office visits when enrolled in Maternal Program during the first trimester

$7.50 per office visits

Nothing for delivery

Nothing for circumcision

Out-of-Network: 10% of the allowable charges after any applicable copay or coinsurance, plus any difference between our allowance and the billed amount

• Breastfeeding and lactation support, supplies and counseling for each birth
• Electric breast pump for mothers who have given birth within the last 3 months, limited one per birth. 
• Services for high risk pregnancies 
  • Prenatal in-home support service up to 16 hours, maximum four hours per day
  • Blood pressure monitor
  • Glucometer
• Postnatal in-home support when enrolled in the Maternal Program during the first trimester
  • service up to 16 hours, maximum four hours per day
  • within one month of giving birth

Note: Call the Triple-S Salud Department of Disease Management (Prenatal Care Program) at 787-749-4949, extension 832-2042 to coordinate your electric breast pump, prenatal blood pressure monitor and/or glucometer, or schedule your In-Home Support service. Breast pumps, prenatal glucometer and blood pressure monitor do not require precertification and must be coordinated through the TSS Prenatal Care Program.

Network: Nothing

Out-of-Network: 10% of the allowable charges plus any difference between our allowance and the billed amount

A range of voluntary family planning services, without cost sharing, that includes at least one form of contraception in each of the categories in the HRSA supported guidelines. This list includes: 

• Voluntary female sterilization
• Surgically implanted contraceptives
• Injectable contraceptive drugs (such as Depo Provera)
• Intrauterine devices (IUDs)
• Diaphragms

Note: See additional Family Planning and Prescription drug coverage in Section 5(f).

Note: Your plan offers some type of voluntary female sterilization surgery coverage at no cost to members. The contraceptive benefit includes at least one option in each of the HRSA-supported categories of contraception (as well as the screening, education, counseling, and follow-up care). Any type of voluntary female sterilization surgery that is not already available without cost sharing can be accessed through the contraceptive exceptions process. For more information on our 24 hour response time surgical contraceptive exception process, please visit: https://salud.grupotriples.com/en/health-insurance-plans/triple-s-salud-for-federal-employee/. If you have difficulty accessing contraceptive coverage or other reproductive healthcare, you can contact  contraception@opm.gov.

Network: Nothing

Out-of-Network: 10% of the allowable charges after any applicable copay or coinsurance, plus any difference between our allowance and the billed amount

Voluntary male sterilization

Network: $10 per office visit

Out-of-Network: 10% of the allowable charges after any applicable copay or coinsurance, plus any difference between our allowance and the billed amount

Not covered:

• Reversal of voluntary surgical sterilization
• Genetic testing and counseling

All charges

Triple-S Salud defines infertility as a disease or condition characterized by the inability to impregnate or conceive; a person's inability to reproduce either as an individual or with the person's partner for a period of 12 months or more (6 months for members over age 35). Cases of infertility can be determined based on a patient's medical history, physical findings, or diagnostic testing.

Infertility to include services such as:

• Artificial insemination (AI):
• Intravaginal insemination (IVI)
• Intracervical insemination (ICI)
• Intrauterine insemination (IUI)

Artificial Reproductive Technology (ART) treatments and procedures, including preservation, such as:

• In vitro fertilization (IVF)
• Embryo transfer, gamete intra-fallopian transfer (ZIFT)
• Gamete Intra-Fallopian Transfer (GIFT)
• Services and supplies related to ART procedures

Note: Fertility drugs (See Section 5(f)).

Note: You must obtain precertification for these services, see Section 3.

Note: Artificial insemination covers up to three cycles per year for members with female reproductive organs aged over 35. ART services have an annual maximum of $15,000.

Network: $7.50 per office visit

Out-of-Network: 10% of the allowable charges after any applicable copay or coinsurance, plus any difference between our allowance and the billed amount

Iatrogenic Infertility

Fertility preservation for iatrogenic infertility:
- Procurement of sperm or eggs including medical, surgical, and pharmacy claims associated with retrieval;
- Cryopreservation of sperm and mature oocytes; and
- Cryopreservation storage costs for 1 year.

Note: Fertility drugs (See Section 5(f)).

Note: You must obtain precertification for these services, see Section 3.

Network: $7.50 per office visit

Out-of-Network: 10% of the allowable charges after any applicable copay or coinsurance, plus any difference between our allowance and the billed amount

Not covered:

• After voluntary sterilization
• Cost of donor sperm or cost of donor egg
• Surrogacy

All charges

• Testing and treatment

Network: $7.50 per office visit

Out-of-Network: 10% of the allowable charges after any applicable copay or coinsurance, plus any difference between our allowance and the billed amount

• Allergy serum
• Allergy vaccine

Network: Nothing

Out-of-Network: 10% of the allowable charges plus any difference between our allowance and the billed amount

Not covered:

• Provocative food testing and sublingual allergy desensitization

All charges

• Chemotherapy and radiation therapy

Note: Treatment will be subject to a peer review. See Oncology Analytics in Section 5(h).

Note: High dose chemotherapy in association with autologous bone marrow transplants is limited to those transplants listed under Organ/Tissue Transplants on pages 42 through 46.

• Dialysis - hemodialysis and peritoneal dialysis
• Intravenous (IV) / Infusion Therapy - Home IV and antibiotic therapy
• Growth hormone therapy (GHT)

Note: Growth hormone is covered under the prescription drug benefit. We will only cover GHT when we precertify the treatment. You or your Plan provider should call 787-774-6081 (TTY 787-792-1370) from Puerto Rico or 800-716-6081 (TTY 866-215-1999) from the U.S. Virgin Islands, for precertification. We will ask you to submit information that establishes that the GHT is medically necessary. Ask us to authorize GHT before you begin treatment; otherwise, we will only cover GHT services from the date you submit the information. If you do not ask or if we determine GHT is not medically necessary, we will not cover the GHT or related services and supplies. See Services requiring our prior approval in Section 3.

Network: $7.50 per office visit

Out-of-Network: 10% of the allowable charges after any applicable copay or coinsurance, plus any difference between our allowance and the billed amount

• Respiratory and inhalation therapy up to a maximum of 20 sessions per year.  We may extend coverage for services that exceed the visit limit if we determine the services are medically necessary through the precertification process.

Network:  $10 for respiratory therapy session

Out-of-network: 10% of the allowable charges after any applicable copay or coinsurance, plus any difference between our allowance and the billed amount

Adaptive behavior assessment and treatment for Autism Spectrum Disorder

• Behavior identification assessment
• Observational and Exposure behavioral follow-up assessment
• Adaptive behavior treatment
• Group and Family adaptive behavior treatment

Note: Services are subject to Triple-S Salud's protocols.

Network: $7.50 per office visit

Out-of-network: 10% of the allowable charges after any applicable copay or coinsurance, plus any difference between our
allowance and the billed amount

Cardiac Rehabilitation

Up to 36 therapies per year, subject to Triple-S Salud's protocol

Network: Nothing

Out-of-network: Nothing up to our established fee and all charges thereafter

Note: If the Cardiac rehabilitation provider accepts assignment of benefits you will not have to pay up front; if not, you should pay the provider’s claim and Triple-S Salud, Inc. will reimburse you up to the established fees.

Not covered:  

• Services not shown as covered

All charges

• Physical therapy
  • rendered by qualified physical therapists supervised by a physician specialized in physical therapy;
  • up to 60 therapies per condition, if significant improvement can be expected

Note:  We may extend coverage for services that exceed the visit limit if we determine the services are medically necessary through the precertification process.

Network:  $7.50 per office evaluation or $10 for therapies

Out-of-Network: 10% of the allowable charges after any applicable copay or coinsurance, plus any difference between our allowance and the billed amount

• Occupational therapy
  • rendered by certified occupational therapists
  • up to 60 therapies per condition, if significant improvement can be expected

Note: Occupational therapy is limited to services that assist the member to achieve and maintain self-care and improved functioning in other activities of daily living.  We may extend coverage for services that exceed the visit limit if we determine the services are medically necessary through the precertification process.

$10 per therapy session

Note: For occupational therapy, you should pay the provider’s claim and seek reimbursement from us. Occupational therapists are not plan providers and do not have to accept the established fees as payment in full.

Not covered:

• Long-term rehabilitative therapy
• Exercise programs
• Aquatic therapy and non-therapeutic massages

All charges

$10 per office visit and/or speech therapy plus all charges that exceed our established fees

Note: For speech therapy you should pay the provider’s claim and seek reimbursement from us. Speech therapists are not Plan providers and do not have to accept the established fees as payment in full.

• For treatment related to illness or injury, including evaluation and diagnostic hearing tests performed by a Plan physician or audiologist
• Tympanometry

Note: For routine hearing screening performed during a child's preventive care visit, see Section 5(a) Preventive care, children.

Network: Nothing

Out-of-Network: 10% of the allowable charges plus any difference between our allowance and the billed amount 

• External hearing aids, up to a maximum of $1,000 every two years  for one or both ears combined (see Section 5(a) Orthopedic and prosthetic devices)

Nothing, up to the allowance covered.

Note: Members must pay any difference between our allowance and the billed amount

Not covered:

• Supplies

All charges

• In addition to medical and surgical benefits provided for diagnosis and treatment of diseases of the eye, annual eye refractions (that include the written lens prescription)  may be obtained from Plan providers.
• Monofocal Intraocular lenses during cataract removal
• Eye exam to determine the need for vision correction for children (see preventive care)

Network: $7.50 per office visit

Out-of-Network: 10% of the allowable charges after any applicable copay or coinsurance, plus any difference between our allowance and the billed amount

• Optometrist services

Network: $7.50 per office visit

Out-of-Network: 10% of the allowable charges after any applicable copay or coinsurance, plus any difference between our allowance and the billed amount

• One pair of eyeglasses or contact lenses annually for members up to age 21. 

Network:  Nothing up to contracted fee.  Member pays any balance exceeding contracted fee.

Out-of-Network:  Covered by reimbursement up to contracted fee. Member pays any balance exceeding contracted fee.

Not covered:

• Corrective lenses and fitting of contact lenses
• Eye exercises and orthoptics
• Multifocal Intraocular Lens or vision correction lens (Collamer Lens)
• Radial keratotomy and other refractive surgery
• Supplies

All charges

• Routine foot care performed by a Plan provider when you are under active treatment for a metabolic or peripheral vascular disease, such as diabetes.
• Podiatric services

Network: $7.50 per office visit to a general practitioner, podiatrist or a specialist

Out-of-Network: 10% of the allowable charges after any applicable copay or coinsurance, plus any difference between our allowance and the billed amount

Not covered:

• Treatment of weak, strained or flat feet
• Routine foot care such as cutting, trimming, or removal of corns, calluses, the free edge of toenails, treatment of fungal infected nail, foot cleaning and bathing, application of creams and similar routine treatment of conditions of the foot, except as stated above.

All charges

• Externally worn breast prostheses and surgical bras, including necessary replacements, following a mastectomy
• Surgically implanted breast implant following mastectomy

• Internal prosthetic devices (implants), such as artificial joints, pacemakers, and cochlear implants, requires prior approval
• Prosthetics for lower and upper limbs, and orthotics, up to a maximum of $5,000 in combination, per year, requires prior approval
• Repair of externally worn prosthetic devices
• Prosthetic tracheostomy speaking valve, requires prior approval
• Lumbosacral supports, requires prior approval
• Tracheo-esophageal voice prosthesis, requires prior approval
• External Hearing aids, up to a maximum of $1,000 every two years for one or both ears combined

Note: For information on the professional charges for the surgery to insert an implant, see Section 5(b) Surgical procedures. For information on the hospital and/or ambulatory surgery center benefits, see Section 5(c) Services provided by a hospital or other facility, and ambulance services.

Not covered:

• Orthopedic and corrective shoes
• Arch supports
• Diabetic Shoes
• Heel pads and heel cups
• Certain Lumbosacral supports
• Corsets, trusses, elastic stockings, support hose, and other supportive devices
• Artificial eyes
• Prosthetic sleeve or sock
• Implant and prosthetic devices unless medically necessary
• Testing and examinations for hearing aids

All charges

We cover rental or purchase of prescribed durable medical equipment prescribed by your physician, at our option, including repair and adjustment. Covered items include:

• Oxygen
• Hospital type beds
• Wheelchairs
• Walkers
• Blood glucose monitors
• Iron lungs
• Other respiratory equipment
• Ostomy supplies
• Tracheostomy supplies 
• Basic Continuous positive airway pressure device (CPAP) equipment (full face and nasal masks) and supplies
• Specialized medical foods for members with Phenylketonuria (PKU) according to Triple-S Salud’s medical policy
• Blood pressure monitor for high-risk members

Note: To be eligible for coverage of a blood pressure monitor, you must enroll and participate in our Hypertension Program.

Note: You must obtain a precertification from us. Refer to Section 3.

Network: 25%

Out-of-Network: 10% of the allowable charges after any applicable copay or coinsurance, plus any difference between our allowance and the billed amount

Insulin pumps and/or their supplies for patients with uncontrolled diabetes who require multiple daily injections of insulin and demonstrate wide fluctuations in glucose levels.

Note:  To be eligible for the coverage of an insulin pump, you must enroll and participate in our Disease Management Program.

Network: Nothing

Out-of-Network: 10% of the allowable charges after any applicable copay or coinsurance, plus any difference between our allowance and the billed amount

Strips and lancets:

• Members diagnosed with Diabetes Type 1;
• Diabetes Type 2 members enrolled in Medicare Part A and B

Note: In order to be eligible for the 100% coverage of strips and lancets when diagnosed with Diabetes Type 2, you must enroll in Medicare Part A and Part B.

Network: Nothing

Out-of-Network: 10%of the allowable charges after any applicable copay or coinsurance, plus any difference between our allowance and the billed amount

Not covered:

• Crutches
• Other durable medical equipment not shown above

• Home healthcare ordered by a Plan physician (who will periodically review the program for continuing appropriateness and need) and provided by nurses or home health aides.
• Services include oxygen therapy, intravenous therapy and medications

Network: Nothing

Out-of-Network: 10% of the allowable charges plus any difference between our allowance and the billed amount

Not covered: 

• Nursing care requested by, or for the convenience of, the patient or  the patient’s family.
• Home care primarily for personal assistance that does not include a medical component and is not diagnostic, therapeutic, or rehabilitative.
• Services primarily for hygiene, feeding, exercising, moving the patient, homemaking, companionship or giving oral medication.
• Homemaker services.

• One initial evaluation visit and one follow up visit if required per condition
• Manipulations of the spine and extremities, up to 20 manipulations per year
• X-rays of the neck and spine

Network: Nothing 

Out-of-network: 10% of the allowable charges plus any difference between our allowance and the billed amount 

Note: If the chiropractor accepts assignment of benefits you will not have to pay up front; if not, you should pay the provider’s claim and Triple-S Salud will reimburse you up to the established fees. 

Not Covered:

• Massages, dietary management, ultrasound

All Charges

• Nutritionists' services, up to six (6) visits per year.

Network: Nothing

Out-of-Network: Nothing up to our established fee and all charges there after

Disease Management and Health Educational Programs: Health education is an essential component in the prevention of diseases and will allow you to enjoy quality of life. Our various programs are focused on the most common chronic conditions and offer guidance on clinical treatments provided by your physician. We offer you information on how to care for your condition via educational workshops by phone with nursing professionals and/or health educators and with educational material by mail. For more information, call the Department of Education and Disease Management from Triple-S Salud at 787-749-4949, extension 832-2042.  Among the various programs available are:

Diabetes Program: Members 18 years and over will receive orientations on diabetes, the emotional aspects of the condition, effects of exercise and nutrition, use of medications, and complications, among others.

Hypertension Program: Members ages 18 years and older will learn its signs and symptoms, how to modify lifestyles, and how to keep their blood pressure under control.

Chronic Obstructive Pulmonary Disease (COPD) Program: Members ages 40 and over will receive counseling on their condition, the use of prescription drugs, signs and symptoms, the importance of medical monitoring to help, and how to adopt healthy lifestyles to avoid complications and enjoy a better quality of life.

Heart Failure Program: Members aged 18 years and will receive guidance on how to prevent complications and improve your quality of life by learning the important steps needed to improve their health.

Prenatal Program: We provided expecting members with education focused on the importance of early, prenatal care and risk factors.  Pregnant members will receive educational brochures and virtual classes with information of the different stages of pregnancy and care for the newborn. For more information, see Section 5(a): Medical Services and Supplies Provided by Physicians and Other Health Care Professionals under Maternity Care.

Tobacco Cessation Program: Triple-S Salud offers you an educational and health promotion program to help you quit tobacco, including individual/group/telephone counseling, and over the-counter (OTC) and prescription drugs approved by the FDA to treat tobacco dependence. See Section 5(f): Prescription Drug Benefit.

Adult Obesity Management / Childhood Weight Control Program: This program includes orientations and education about adopting good dietary habits, choosing healthy foods, reading nutritional labels, and food choices when eating out, among other topics. This program has been developed for enrollees with a body mass index (BMI) of 30.0 kg/m2 and above, who also meet established criteria for participation. When the enrollee takes part in the program, he/she will receive nutritional interventions by a duly certified and trained dietitian-nutritionist. The educational program includes six educational sessions in a group setting, one telephone-based educational intervention, and monthly coaching. The program’s general objective is to offer enrollees access to education on nutrition through a dietitian-nutritionist who will guide them in the self-management of obesity, through dietary-habit modification and the promotion of physical activity. We also have a program with focus on childhood obesity. This multicomponent, family centered program is part of intensive behavioral interventions (behavior change counseling for healthy diet and physical activity) for children.

Healthy Living Program for Diabetics: This program is designed to provide a common framework of clinical strategies for diabetic members in our Salus Clinic. To ensure care as established by the guidelines, we established a protocol of medical visits, nutritional guidance, health education and clinical laboratories needed for diabetic members. Members are expected to achieve control and significantly reduce complications of their condition through education, clinical care and self-care developed with this program.

Nothing

A comprehensive range of services, such as:

• Operative procedures
• Treatment of fractures, including casting
• Routine pre- and post-operative care by the surgeon
• Correction of amblyopia and strabismus
• Endoscopy procedures
• Biopsy procedures
• Removal of tumors and cysts
• Correction of congenital anomalies (see Reconstructive surgery)
• Surgical assistants
• Lithotripsy procedure
• Treatment of burns
• Insertion of internal prosthetic devices. See 5(a) – Orthopedic and prosthetic devices for device coverage information.

Note: Generally, we pay for internal prostheses (devices) according to where the procedure is done. For example, we pay Hospital benefits for a pacemaker and Surgery benefits for insertion of the pacemaker.

Note: For female surgical family planning procedures see Family Planning Section 5(a).

Note: For male surgical family planning procedures see Family Planning Section 5(a).

Network: Nothing

Out-of-Network: 10% of the allowable charges plus any difference between our allowance and the billed amount

Note: See Section 5(c) Services provided by a hospital or other facility, and ambulance services for outpatient surgical facility copay 

Note: For insertion of internal prosthetic devices, member pays nothing if provided by a Plan provider. For all out-of-network services, you should pay the provider’s claim and seek reimbursement from us. We will reimburse you 90% of our established fees.

• Surgical treatment of severe obesity (bariatric surgery) –  This Plan uses the following criteria:
  • Patients with a body mass index (BMI) of greater than 40 kg/m2 or greater than 35 kg/m2 in conjunction with severe comorbidities such as cardiopulmonary complications, severe diabetes or obstructive sleep apnea
  • BMI is calculated using the following formula: Weight (kg) ÷ height (m2) = BMI

Network: Nothing

Out-of-Network: 10% of the allowable charges plus any difference between our allowance and the billed amount

Note: See Section 5(c) Outpatient hospital or ambulatory surgery center for copay. 

Not covered:

• Reversal of voluntary sterilization
• Routine treatment of condition of the foot (see Section 5(a) Foot care)

• Surgery to correct a functional defect
• Surgery to correct a condition caused by injury or illness if: 
  • the condition produced a major effect on the member’s appearance and
  • the condition can reasonably be expected to be corrected by such surgery
• Surgery to correct a condition that existed at or from birth and is a significant deviation from the common form or norm.  Examples of congenital anomalies are: protruding ear deformities; cleft lip; cleft palate; birth marks; webbed fingers; and webbed toes.
• All stages of breast reconstruction surgery following a mastectomy, such as:
  • Surgery to produce a symmetrical appearance of breasts;
  • Treatment of any physical complications, such as lymphedemas;
  • Breast prostheses and surgical bras and replacements                        (see Section 5(a) Prosthetic devices)

Note: If you need a mastectomy, you may choose to have the procedure performed on an inpatient basis and remain in the hospital up to 48 hours after the procedure.

Network: Nothing

Out-of-Network: 10% of the allowable charges plus any difference between our allowance and the billed amount

Note: See Section 5(c) Outpatient hospital or ambulatory surgery center for copay. 

Not covered:

• Cosmetic surgery – any surgical procedure (or any portion of a procedure) performed primarily to improve physical appearance through change in bodily form, except repair of accidental injury. (See Section 5(d) Accidental injury)
• Surgery for Sex-Trait Modification to treat gender dysphoria

If you are mid-treatment under this Plan, within a surgical or chemical regimen for Sex-Trait Modification for diagnosed gender dysphoria, for services for which you received covered under the 2025 Plan brochure, you may seek an exception to continue care for that treatment. You may be eligible for our exception process only if the covered surgical or chemical regimen was initiated, with prior approval, in 2025. Please refer to https://salud.grupotriples.com/en/health-insurance-plans/triple-s-salud-for-federal-employee/ for additional details, forms and requirements regarding the exception process or call us at 787-774-6081 (TTY: 787-792-1370) from Puerto Rico or 800-716-6081 (TTY: 866-215-1999) from the U.S. Virgin Islands for assistance. If you disagree with our decision on your exception, please see Section 8 of this brochure for the disputed claims process. 

Individuals under age 19 are not eligible for exceptions related to services for ongoing surgical or hormonal treatment for diagnosed gender dysphoria.

Oral surgical procedures, performed only when medically necessary, limited to:

• Reduction of fractures of the jaws or facial bones;
• Surgical correction of cleft lip, cleft palate or severe functional malocclusion;
• Removal of stones from salivary ducts;
• Excision of leukoplakia or malignancies;
• Excision of cysts and incision of abscesses when done as independent procedures; and
• Other surgical procedures that do not involve the teeth or their supporting structures.

Network: Nothing

Out-of-Network: 10% of the allowable charges plus any difference between our allowance and the billed amount

Note: See Section 5(c) Services provided by a hospital or other facility, and ambulance services for outpatient surgery facility copay. 

Not covered:

• Oral implants and transplants
• Procedures that involve the teeth or their supporting structures (such as the periodontal membrane, gingiva, and alveolar bone)

These solid organ and tissue transplants are subject to medical necessity and experimental/investigational review by the Plan.  Refer to Services requiring our prior approval in Section 3 for precertification procedures.

• Autologous pancreas islet cell transplant (as an adjunct to total or  near total pancreatectomy) only for patients with chronic pancreatitis
• Cornea
• Heart
• Heart/lung
• Intestinal transplants
  • Isolated small intestine
  • Small intestine with the liver
  • Small intestine with multiple organs, such as the liver, stomach,   and pancreas
• Kidney
• Kidney-pancreas
• Liver
• Lung: single/bilateral
• Pancreas

Network: Nothing

Out-of-Network: All charges

These tandem blood or marrow stem cell transplants (for covered transplants are subject to medical necessity review by the Plan.  Refer to Services requiring our prior approval in Section 3 for precertification procedures.

• Autologous tandem transplants for
  • AL Amyloidosis
  • Multiple myeloma (de novo and treated)
  • Recurrent germ cell tumors (including testicular cancer)

Network: Nothing

Out-of-Network: All charges

Blood or marrow stem cell transplants (Hematopoietic Stem Cell Transplant - HSCT)

The Plan extends coverage for the diagnoses as indicated below. 

• Allogeneic transplants for
  • Acute lymphocytic or non-lymphocytic (i.e., myelogenous) leukemia
  • Advanced Hodgkin’s lymphoma with recurrence (relapsed)
  • Advanced non-Hodgkin’s lymphoma with recurrence (relapsed)
  • Acute myeloid leukemia
  • Advanced Myeloproliferative Disorders (MPDs)
  • Amyloidosis
  • Chronic lymphocytic leukemia/small lymphocytic lymphoma (CLL/SLL)
  • Hemoglobinopathy
  • Infantile malignant osteopetrosis
  • Kostmann's syndrome
  • Leukocyte adhesion deficiencies
  • Marrow failure and related disorders (i.e., Fanconi's, Paroxysmal Nocturnal Hemoglobinuria, Pure Red Cell Aplasia) 
  • Mucolipidosis (e.g., Gaucher's disease, metachromatic leukodystrophy, adrenoleukodystrophy)
  • Mucopolysaccharidosis (e.g., Hunter's syndrome, Hurler's syndrome, Sanfillippo’s syndrome, Maroteaux-Lamy syndrome variants) 
  • Myelodysplasia/Myelodysplastic syndromes 
  • Paroxysmal Nocturnal Hemoglobinuria
  • Phagocytic/Hemophagocytic deficiency diseases (e.g., Wiskott-Aldrich syndrome)
  • Severe combined immunodeficiency
  • Severe or very severe aplastic anemia
  • Sickle cell anemia
  • X-linked lymphoproliferative syndrome
• Autologous transplants for
  • Acute lymphocytic or nonlymphocytic (i.e., myelogenous) leukemia
  • Advanced Hodgkin’s lymphoma with recurrence (relapsed)
  • Advanced non-Hodgkin’s lymphoma with recurrence (relapsed)
  • Amyloidosis
  • Breast cancer
  • Ependymoblastoma
  • Epithelial ovarian cancer
  • Ewing's sarcoma
  • Medulloblastoma
  • Multiple myeloma
  • Neuroblastoma
  • Pineoblastoma
  • Testicular, Mediastinal, Petroperitoneal, and ovarian germ cell tumors

Network: Nothing

Out-of-Network: All charges

Mini-transplants performed in a clinical trial setting (non-myeloablative, reduced intensity conditioning or RIC) for members with a diagnosis listed below are subject to medical necessity review by the Plan.

Refer to Services requiring our prior approval in Section 3 for precertification procedures:

• Allogeneic transplants for
  • Acute lymphocytic or non-lymphocytic (i.e., myelogenous) leukemia
  • Advanced Hodgkin’s lymphoma with recurrence (relapsed)
  • Advanced non-Hodgkin’s lymphoma with recurrence (relapsed)
  • Acute myeloid leukemia
  • Advanced Myeloproliferative Disorders (MPDs)
  • Amyloidosis
  • Chronic lymphocytic leukemia/small lymphocytic lymphoma (CLL/SLL)
  • Hemoglobinopathy
  • Marrow failure and related disorders (i.e., Fanconi's, PNH, Pure Red Cell Aplasia) 
  • Myelodysplasia/Myelodysplastic syndromes 
  • Paroxysmal Nocturnal Hemoglobinuria
  • Severe combined immunodeficiency
  • Severe or very severe aplastic anemia
• Autologous transplants for
  • Acute lymphocytic or nonlymphocytic (i.e., myelogenous) leukemia
  • Advanced Hodgkin’s lymphoma with recurrence (relapsed)
  • Advanced non-Hodgkin’s lymphoma with recurrence (relapsed)
  • Amyloidosis
  • Neuroblastoma

Network: Nothing

Out-of-Network: All charges

These blood or marrow stem cell transplants are covered only in a National Cancer Institute or National Institutes of Health approved clinical trial or a Plan-designated center of excellence if approved by the Plan’s medical director in accordance with the Plan’s protocols.

If you are a participant in a clinical trial, the Plan will provide benefits for related routine care that is medically necessary (such as doctor visits, lab tests, x-rays and scans, and hospitalization related to treating the patient's condition) if it is not provided by the clinical trial.  Section 9 has additional information on costs related to clinical trials.  We encourage you to contact the Plan to discuss specific services if you participate in a clinical trial.

• Allogeneic transplants for
  • Early stage (indolent or non-advanced) small cell lymphocytic lymphoma
  • Multiple myeloma, up to 65 years of age
• Mini-transplants (non-myeloblative allogeneic, reduced intensity conditioning (RIC) for
  • Acute lymphocytic or non-lymphocytic (i.e., myelogenous) leukemia, up to 60 years of age
  • Advanced Hodgkin’s lymphoma
  • Advanced non-Hodgkin’s lymphoma
  • Chronic lymphocytic leukemia
  • Chronic myelogenous leukemia
  • Early stage (indolent or non-advanced) small cell lymphocytic lymphoma
  • Multiple myeloma, up to 65 years of age
  • Sickle cell anemia 
• Autologous Transplants for
  • Advanced childhood kidney cancers
  • Advanced Ewing sarcoma
  • Breast Cancer
  • Childhood rhabdomyosarcoma
  • Early stage (indolent or non-advanced) small cell lymphocytic lymphoma
  • Epithelial Ovarian Cancer
  • Mantle Cell (Non-Hodgkin lymphoma)

Network: Nothing

Out-of-Network: All charges

Network: Nothing

Out-of-Network: All charges

Network: Nothing

Out-of-Network: All charges

Not covered:

• Donor screening tests and donor search expenses, except as shown above
• Implants of artificial organs
• Living donors for intestine transplant in adults and children
• Transplants not listed as covered
• Transportation, meals, and lodging expenses 

Professional services provided in –

• Hospital (inpatient)
• Hospital outpatient department
• Skilled nursing facility
• Ambulatory surgical center
• Office

Network: Nothing

Out-of-Network: All charges

Not covered:

• Anesthesia performed for non-covered surgery or procedures

Room and board, such as

• Ward, semiprivate, or intensive care accommodations
• General nursing care
• Meals and special diets

NOTE: The Inpatient Value Care Hospital Network is available with concierge services for your convenience. Refer to Section 3 for information on services available to you.

NOTE: If you want a private room when it is not medically necessary, you pay the additional charge above the semiprivate room rate.

Network: Nothing

Out-of-Network: 10% of the allowable charges plus any difference between our allowable charges and the billed amount

Other hospital services and supplies, such as:

• Operating, recovery, maternity, and other treatment rooms
• Prescribed drugs and medications
• Diagnostic laboratory tests and x-rays
• Administration of blood and blood products
• Blood or blood plasma, if not donated or replaced
• Dressings, splints, casts, and sterile tray services
• Medical supplies and equipment, including oxygen

Network: Nothing

Out-of-Network: 10% of the allowable charges plus any difference between our allowable charges and the billed amount

• Anesthetics, including nurse anesthetist services
• Medical supplies, appliances, medical equipment, and any covered items billed by a hospital for use at home

Network: Nothing

Out-of-Network: 10% of the allowable charges plus any difference between our allowable charges and the billed amount

Not covered:

• Custodial care, rest cures, domiciliary or convalescent care.
• Non-covered facilities, such as nursing homes, schools
• Personal comfort items, such as telephone, television, barber services, guest meals and beds
• Private nursing care
• Hospitalization for non-covered surgery or procedures

• Operating, recovery, and other treatment rooms
• Prescribed drugs and medications
• Pathology services
• Administration of blood and blood plasma, and other biologicals
• Blood or blood plasma, if not donated or replaced
• Dressings, casts, and sterile tray services
• Medical supplies, including oxygen
• Anesthetics and anesthesia service

NOTE: We cover hospital services and supplies related to dental procedures when necessitated by a non-dental physical impairment. We do not cover the dental procedures.

Network: $25 facility copay when outpatient surgery is performed

Out-of-Network: 10% of the allowable charges after any applicable copay or coinsurance, plus any difference between our allowance and the billed amount

• Pre-surgical testing

Network: Nothing for x-rays, $1.00 per laboratory; 20% for polysomnography, genetic amniocentesis, non-invasive vascular and cardiovascular tests, including electrocardiogram and EEG

Out-of-Network: 10% of the allowable charges after any applicable copay or coinsurance, plus any difference between our allowance and the billed amount

Not covered:

• Outpatient hospital or facility charges you incur for a non-covered surgery or procedure

Skilled nursing facility (SNF): Unlimited medically appropriate care, including bed, board and general nursing care; drugs, biologicals, supplies and equipment ordinarily provided or arranged by the skilled nursing facility when prescribed by a Plan provider. You or your Plan provider must obtain authorization from your Plan before a Skilled Nursing Facility confinement, as discussed on pages 18 through 19.

Network: Nothing

Out-of-Network: 10% of the allowable charges plus any difference between our allowance and the billed amount

Not covered:

• Custodial care, rest cures, domiciliary or convalescent care

Supportive and palliative care to members with a projected life expectancy of six months or less due to a terminal medical condition, covered in the home

Note: Services require a precertification and is subject to Triple-S Salud’s protocol.

Hospice care focuses on the palliation of pain, anxiety, suffering and other symptoms of chronic and terminal illness attending all the emotional and spiritual needs and those of their families. The length of hospice covered services will not exceed 120 days.

Network:  Nothing, covered under Case Management.

Out-of-Network:  All charges

Not covered:

• Independent Nursing
• Homemaker services

• Local professional ambulance service when medically appropriate

Nothing

Note:  You should submit the provider’s claim and seek reimbursement from us.

• Air ambulance services within the service area (Puerto Rico and U.S. Virgin Islands)

Nothing up to $50,000 per occurrence.

Not covered:

• Air ambulance outside of Puerto Rico and U.S. Virgin Islands.

• Emergency care at a doctor's office

$7.50 copay

• Emergency care at a hospital emergency room 

$25

• Emergency care at a an urgent care center

Network:  $10 copay

Out-of-Network: 10% of the allowable charges plus any difference between our allowable charges and the billed amount

• Emergency care as an inpatient at a hospital, including doctors' services.

Not covered:

• Elective care or non-emergency care

All Charges

• Emergency care at a doctor's office
• Emergency care at an urgent care center
• Emergency care as an outpatient or inpatient at a hospital, including doctors' services.

Note: See Section 5(h) Wellness and other special features for information on the Blue Card Program. 

10% of our allowance

Note: When using Non-plan providers, you should submit the provider’s claim and seek reimbursement from this Plan. Plan reimburses you 90% of usual, customary and reasonable charges for the area in which emergency services are rendered or according to the Blue Cross Blue Shield local Plan’s Non-plan providers' fees, after any applicable copay or coinsurance. When using Plan providers, the plan will pay providers 90% of usual, customary and reasonable charges for the area in which emergency services are rendered or according to the Blue Cross Blue Shield local Plan’s fees, after any applicable copay or coinsurance.

• Emergency care in Sanitas Urgent Care Medical Centers in Florida

Network: $50 copay

Out-of-Network: 10% of our allowance

Note: When using Non-plan providers, you should submit the provider’s claim and seek reimbursement from this Plan. Plan reimburses you 90% of usual, customary and reasonable charges for the area in which emergency services are rendered or according to the Blue Cross Blue Shield local Plan’s Non-plan providers' fees, after any applicable copay or coinsurance. When using Plan providers, the plan will pay providers 90% of usual, customary and reasonable charges for the area in which emergency services are rendered or according to the Blue Cross Blue Shield local Plan’s fees, after any applicable copay or coinsurance.

• Local professional ambulance service when medically appropriate.

Note: See 5(c) Services provided by hospital or other facility, and ambulance services for non-emergency service.

Nothing

Note:  You should submit the provider’s claim and seek reimbursement from us. 

• Air ambulance services within the service area (Puerto Rico and U.S. Virgin Islands)

Nothing up to $50,000 per occurrence

Not covered:

• Air ambulance outside of the service area.

When part of a treatment plan we approve, we cover professional services by licensed professional mental health and substance use disorder treatment practitioners when acting within the scope of their license, such as psychiatrists, psychologists, clinical social workers, licensed professional counselors, or marriage and family therapists.

Note: To coordinate your services and ensure you are receiving the appropriate care, you or your Plan provider must notify us at the  beginning of your ambulatory care. You or your Plan doctor should call 800-660-4896 to register and for assistance.

Network: Your cost-sharing responsibilities are no greater than for other illnesses or conditions.

Out-of-Network: 10% of the allowable charges after any applicable copay or coinsurance, plus any difference between our allowance and the billed amount

Diagnosis and treatment of psychiatric conditions, mental illness, or mental disorders.  Services include:

• Diagnostic evaluation
• Crisis intervention and stabilization for acute episodes
• Medication evaluation and management (pharmacotherapy)
• Psychological and neuropsychological testing necessary to determine the appropriate psychiatric treatment
• Treatment and counseling (including individual or group therapy visits)
• Diagnosis and treatment of substance use disorders, including detoxification, treatment and counseling
• Professional charges for intensive outpatient treatment in a provider’s office or other professional setting
• Electroconvulsive therapy

Network: $7.50 per office visit and/or therapy

Out-of-Network: 10% of the allowable charges after any applicable copay or coinsurance, plus any difference between our allowance and the billed amount

Network: Nothing

Out-of-Network: 10% of the allowable charges plus any difference between our allowance and the billed amount

• Outpatient diagnostic tests provided and billed by a licensed mental health and substance use disorder treatment practitioner
• Outpatient diagnostic tests provided and billed by a laboratory, hospital or other covered facility

Network: Nothing for X-rays and $1.00 per laboratory; 20% for some diagnostics tests.  See Lab, X-ray and other diagnostic tests (Section 5a).

Out-of-Network: 10% of the allowable charges after any applicable copay or coinsurance, plus any difference between our allowance and the billed amount 

• Psychological tests if performed by a qualified psychologist

Plan reimburses you up to the established fees.  You pay the difference between our allowance and the billed amount.

Inpatient services provided and billed by a hospital or other covered facility

• Room and board, such as semiprivate or intensive accommodations, general nursing care, meals and special diets, and other hospital services

Note: Please see Important things you should keep in mind about these services at the beginning of this section.

Network: Nothing

Out-of-Network: 10% of the allowable charges, plus any difference between our allowance and the billed amount

Outpatient services provided and billed by a hospital or other covered facility

• Services in approved treatment programs, such as partial hospitalization, half-way house, residential treatment, full-day hospitalization, or facility-based intensive outpatient treatment

Network: Nothing

Out-of-Network: 10% of the allowable charges plus any difference between our allowance and the billed amount

• Services not described in this section  

We will cover prescription drugs based on a List of Drugs.  We cover the following medications and supplies prescribed by a Plan physician or dentist and obtained from a Plan pharmacy: 

• Drugs and medicines that by Federal law of the United States require a physician’s prescription for their purchase, except those listed as Not covered.
• Insulin
• Diabetic supplies limited to:
  • Disposable needles and syringes for the administration of covered medications  
• Drugs for sexual dysfunction - limited to six (6) pills per month for men age 18 years and over.
• Vitamins only if they include the legend: “Federal law prohibits dispensing without a prescription” including prenatal vitamins.

Note: Intravenous fluids and drugs for home use, implantable drugs, and some injectable drugs are covered under the Medical and Surgical Benefits (also covered under the Medical and Surgical Benefits provided as part of a home health service program).

You will pay the following copayments for drugs in the List of Drugs obtained from a Plan pharmacy:

• Tier 1: Generic prescription drugs - $2.00 for unit or refill
• Tier 2: Preferred brand prescription drugs - $20 for unit or refill
• Tier 3: Non-preferred brand name drugs - 20% up to $125 maximum out of pocket for unit or refill
• Tier 4: Preferred Specialty/biotech drugs - 25% or $200 whichever is the lowest for unit or refill
• Tier 5: Non-Preferred Specialty/biotech drugs - 30% or $300 whichever is the lowest for unit or refill

Generic copay waiver drugs:

•  Antihypertensives
  • Only includes ACE inhibitors, ARBs and Direct Renin Inhibitors
•  Oral Antidiabetics
  • Covered oral antidiabetics medications except injectables
• Antihyperlipidemics
  • Only includes statins
• Naloxone

Network: Nothing

Note: Applies only to generic drugs. For brand copayment or coinsurance, refer to Tier 2 and Tier 3.

Contraceptive drugs and devices as listed in the Health Resources and Services Administration site  https://www.hrsa.gov/womens-guidelines Contraceptive coverage is available at no cost to FEHB members. The contraceptive benefit includes at least one option in each of the HRSA-supported categories of contraception (as well as the screening, education, counseling, and follow-up care).  Any contraceptive that is not already available without cost share on the formulary can be accessed through our 24 hour contraceptive expedite exception process, when prescribed by a physician.

• Over-the-counter and prescription drugs approved by the FDA to prevent unintended pregnancy.
• For additional information, please contact our Customer Service at 787-774-6081 (TTY: 787-792-1370) from Puerto Rico or 888-716-6081 (TTY: 866-215-1999) from the U.S. Virgin Islands. 
• Reimbursement for covered over-the-counter contraceptives can be submitted in accordance with Section 7.

Note: Over-the-counter contraceptive drugs and devices approved by the FDA require a written prescription by an approved provider. Please refer to the pharmacy formulary for a complete list.

Note: For additional Family Planning benefits see Section 5(a). For more information about contraceptive drugs consult Drug List Formulary: https://salud.grupotriples.com/en/health-insurance-plans/triple-s-salud-for-federal-employee/

Network: Nothing

• FDA approved tobacco cessation drugs (over-the-counter and prescription), including nicotine patches

Note: Over-the-counter and appropriate prescription drugs approved by the FDA to treat tobacco dependence are covered under the Tobacco Cessation Educational Classes and Programs in Section 5(a).

Network: Nothing

Opioid rescue agents are covered under this Plan with no cost sharing when obtained with prescription from our pharmacy in any over-the-counter or prescription form available such as nasal sprays and intramuscular injections.

For more information consult the FDA guidance at  https://www.fda.gov/consumers/consumer-updates/access-naloxone-can-save-life-during-opioid-overdose

Or call SAMHSA’s National Helpline 1-800-662-HELP (4357) or go to  https://www.findtreatment.samhsa.gov/

Network: Nothing

Preventive care medications to promote better health as recommended by ACA.

The following drugs and supplements are covered without cost-share, even if over-the-counter, are prescribed by a healthcare professional and filled at a network pharmacy.

• Aspirin (81 mg) for adults ages 50-75 used with a ≥10% 10-year cardiovascular risk for the primary prevention of cardiovascular disease and Colorectal cancer
• Folic acid supplements for women of 400 & 800 mcg, for women of childbearing age
• Iron supplements for children from 4 months to 21 years with risk of anemia
• Fluoride tablets, solution (not toothpaste, rinses) for children age 0-5
• Breast cancer preventive medications such as Tamoxifen or Raloxifene
• Statin preventive medication for adults ages 40-75 years with no history of CVD, 1 or more CVD risk factors, and a calculated 10-year CVD event risk of 10% or greater

Note: To receive this benefit a prescription from a doctor must be presented to the pharmacy.

Network: Nothing

Mail Order and 90 Day Extended Supply Program

These programs have the following characteristics:

• 90-day supply, including one (1) refill
• Not all drugs are subject to this program

Note: Tier 4 and Tier 5 are not available under Mail Order or 90 Day Extended Supply Programs because specialty/biotech drugs are dispensed only by specialty pharmacies.

You will pay the following copayments for drugs in the List of Drugs:

• Tier 1: Generic prescription drugs - $4.00 for unit or refill
• Tier 2: Preferred brand prescription drug - $40 for unit or refill
• Tier 3: Non-preferred brand name drugs - 20% up to a $375 maximum out of pocket for unit or refill

Note: You will not pay shipping charges

Not covered:

• Drugs and supplies for cosmetic purposes
• Vitamins, nutrients and food supplements not listed as a covered benefit even if a physician prescribes or administers them
• Nonprescription medications unless specifically indicated elsewhere or medications for which there is a nonprescription equivalent available (Except: Prilosec OTC 20 mg, Nexium, Claritin and its generics; and Zaditor and its generics that are covered with no copayment, when a physician prescribes them)
• Medical supplies such as dressings, antiseptics, lancets and strips
• Drugs supplied by pharmacies located outside of Puerto Rico, U.S. Virgin Islands, the United States and its territories, except for emergencies 
• Drugs to enhance athletic performance
• Drugs that are experimental or investigational unless approved by the Federal Food and Drug Administration (FDA)
• Hormone therapy for non-approved Federal Food and Drug Administration (FDA) conditions
• Drugs prescribed in connection with Sex-Trait Modification for treatment of gender dysphoria

If you are mid-treatment under this Plan, within a surgical or chemical regimen for Sex-Trait Modification for diagnosed gender dysphoria, for services for which you received covered under the 2025 Plan brochure, you may seek an exception to continue care for that treatment. You may be eligible for our exception process only if the covered surgical or chemical regimen was initiated, with prior approval, in 2025. Please refer to https://salud.grupotriples.com/en/health-insurance-plans/triple-s-salud-for-federal-employee/ for additional details, forms and requirements regarding the exception process or call us at 787-774-6081 (TTY: 787-792-1370) from Puerto Rico or 800-716-6081 (TTY: 866-215-1999) from the U.S. Virgin Islands for assistance. If you disagree with our decision on your exception, please see Section 8 of this brochure for the disputed claims process. 

Individuals under age 19 are not eligible for exceptions related to services for ongoing surgical or hormonal treatment for diagnosed gender dysphoria.

All charges

Accidental injury benefit

We cover restorative services and supplies necessary to repair (but not replace) sound natural teeth, within a six-month period.  The need for these services must result from an accidental injury.  An injury caused  by chewing is not considered an accidental injury.

Network:  25%

Out-of-Network: 10% of the allowable charges plus any difference between our allowance and the billed amount

Dental coverage is limited to:

Diagnostic

• Periodic oral evaluation (D0120)
• Limited oral evaluation (D0140)
• Comprehensive oral evaluation (D0150)
• Periapical and bitewing X-rays, limited to six periapical X-rays and no more than two bitewing X-rays per calendar year (D0220, D0230, D0270, D0272)
• Preventive Prophylaxis, adult and child limited to one every six months (D1110, D1120)
• Fluoride treatment, one every six months for children under 19 (D1208)

Network: Nothing

Out-of-Network: 10% of the allowable charges plus any difference between our allowance and the billed amount

• Fluoride treatment, one every six months for enrollees over 19 years of age (D1208)
• Panoramic X-rays, up to 1 set every 3 years (D0330)

Network: 30%

Out-of-Network: 10% of the allowable charges after any applicable copay or coinsurance, plus any difference between our allowance and the billed amount

Restorative

• Amalgam restorations (D2140 - D2161)
• Plastic, porcelain or composite, anterior and posterior tooth (D2330 - D2335, D2391, D2392 - D2394)
• Other restorative services, pin retention per tooth in addition to restorations (D2951)
• Sedative filling (D2940)

Network: 30%

Out-of-Network: 10% of the allowable charges after any applicable copay or coinsurance, plus any difference between our allowance and the billed amount

Adjunctive General Services

• Application of desensitizing medicament (D9910)
• Treatment of complications, post-surgical, unusual circumstances, by report (D9930)

Network: 30%

Out-of-Network: 10% of the allowable charges after any applicable copay or coinsurance, plus any difference between our allowance and the billed amount

Endodontics

• Pulp capping-direct, excluding final restoration (D3110)
• Pulp capping-indirect, excluding final restoration (D3120)
• Pulpal debridement in primary and permanent teeth for emergency purposes (D3221)

Network: 30%

Out-of-Network: 10% of the allowable charges after any applicable copay or coinsurance, plus any difference between our allowance and the billed amount

Oral Surgery

• Extractions (D7140)
• Surgical removal of erupted teeth (D7210)
• Surgical removal of residual tooth roots (D7250)
• Incision and drainage of abscess - intra-oral soft tissue (D7510)
• Surgical removal of impacted teeth (D7220 - D7240)

Network: 30%

Out-of-Network: 10% of the allowable charges after any applicable copay or coinsurance, plus any difference between our allowance and the billed amount

Not covered:

• Other dental services not shown as covered.

Under the flexible benefits option, we determine the most effective way to provide services.

• We may identify medically appropriate alternatives to regular contract benefits as a less costly alternative benefit.  If we identify a less costly alternative, we will ask you to sign an alternative benefits agreement that will include all of the following terms in addition to other terms as necessary.  Until you sign and return the agreement, regular contract benefits will continue.
• Alternative benefits will be made available for a limited time period and are subject to our ongoing review.  You must cooperate with the review process.
• By approving an alternative benefit, we do not guarantee you will get it in the future.
• The decision to offer an alternative benefit is solely ours, and except as expressly provided in the agreement, we may withdraw it at any time and resume regular contract benefits.
• If you sign the agreement, we will provide the agreed-upon alternative benefits for the stated time period (unless circumstances change).  You may request an extension of the time period, but regular benefits will resume if we do not approve your request.
• Our decision to offer or withdraw alternative benefits is not subject to OPM review under the disputed claims process. However, at the time we make a decision regarding alternative benefits, we also decide that regular contract benefits are not payable, then you may dispute our regular contract benefits decision under the OPM disputed claim process (see Section 8).

Through Teleconsulta , members can have immediate access to the advice of professional nurses to help them decide whether to go to the emergency room immediately, visit or call their physician or follow self-care instructions to feel better. Nurses use scientifically based algorithms developed by physicians of all specialties to reach a recommendation for the member. Call us at 800-255-4375, toll free. We will be glad to assist you.

Triple-S Salud, Inc. is an independent concessionaire of the Blue Cross and Blue Shield Association. As in other Blue Cross and Blue Shield Plans, Triple-S Salud, Inc. participates in a program called the BlueCard Program. This program is of benefit for insured members who receive covered emergency or precertified services outside the service area of Triple-S Salud, Inc. through program plan providers.

When services are received outside the area and claims for such services are processed through the BlueCard Program, the amount (coinsurance or co-payment) paid for these services will be determined based on the arrangements as an estimate amount equivalent between the local Blue Cross or Blue Shield Plan of the area with its participating providers. The negotiated fee may be a discount of invoiced charges equivalent to an average of the savings that the area Blue Cross or Blue Shield Plan expects to receive from all or a specific group of its participating providers.

The BlueCard Program is available to all members insured with a Blue Cross and Blue Shield Association Plan. When you need emergency or precertified hospital and medical services in any state out of the service area, you can receive them through the Plan providers of this Program. Call 800-810-2583 or 787-774-6081 (TTY: 787-792-1370) from Puerto Rico or 800-716-6081 (TTY: 866-215-1999) from U.S. Virgin Islands for additional information. Remember that you are responsible for paying the applicable copays or coinsurances related to out of area care according to the terms of your coverage.

Blue Cross Blue Shield Global Core is available to all members insured with a Blue Cross and Blue Shield Association Plan. When you need emergency hospital and medical services out of the service area and the United States of America, you can receive them through the Plan providers of this Program in other countries. Call 800-810-2583 for additional information.

We offer you the benefit of the Blue Distinction Centers for Transplants (BDCT) which is a cooperative effort among the Blue Cross and/or Blue Shield Plans, Blue Cross and Blue Shield Association and Participating Institutions to facilitate the provision of quality care in a cost-effective manner from leading institutions for six transplant types: heart, single or bilateral lung, combination heart-bilateral lung, liver, simultaneous pancreas-kidney, and bone marrow/stem cell (autologous/allogeneic). Call 800-981-4860 or 787-749-4949 extensions 4361 or 4312 for additional information.

Automatic interactive voice response unit that allows the member to access information and make transactions without a direct intervention of a Customer Service Representative. Through this system the member verifies benefits, asks for a duplicate ID card and verifies the status of a claim, among other services. Call us at 787-774-6081 (TTY: 787-792-1370) from Puerto Rico or 888-716-6081 (TTY: 866-215-1999) from the U.S. Virgin Islands.

We offer a Medication Therapy Management Program at no additional cost to members who have multiple medical conditions, who are taking many prescription drugs, and who have high drug costs.  This program was developed for us by a team of pharmacists and doctors.  We use this Medication Therapy Management Program to help us provide better coverage for our members.  For example, this program helps us make sure that our members are using appropriate drugs to treat their medical conditions and helps us identify possible medication errors.

We may contact members who qualify for this program.  If we contact you, we hope you will join so that we can help you manage your medications.  Remember, you don’t need to pay anything extra to participate.

If you are selected to join a Medication Therapy Management Program, we will send you information about the program, including information about how to access it.

We developed an HRA tool that evaluates lifestyles, risk factors, and existing conditions, among others.  It will help us have a clear profile of our insured population and help us determine where to direct our health education and prevention strategies.  The HRA will also help enrollees do a health-assessment to find out where they are in term of compliance with preventive tests, the changes they need to make, and to gain greater awareness to prevent future health problems. 

Once you complete your HRA, you will receive an Exercise Kit that includes a backpack with a water bottle, pedometer, wrist band, and jump rope.  Register today at our website www.ssspr.com.  Stay active, Stay healthy!

Get your medical checkups in a single visit.  You have more obligations every day but less time to accomplish them and healthcare is no exception.  The time it takes you to visit the doctor, get routine checkups and manage your existing conditions-in addition to the amount you spend on copays- are obstacles on your path to health.  Triple-S Salud, Inc. brings you the Preventive Care Program.  Members 21 years and older may receive all of their preventive services in one place! 

All around our Island you will find eight Preventive Care Centers located at:  Arecibo, Bayamón, Caguas, Carolina, Guaynabo, Mayaguez, Ponce, and San Sebastian.  In these facilities you will be able to receive services that include Evaluations, such as:  medical history, physical exams, depression screening, high-risk behaviors, and health education; Tests, such as:  CBC, cholesterol, Pap (cervical cancer), chlamydia, gonorrhea, syphilis, HIV, glycated hemoglobin, vision; Medical Referrals, such as:  Mammograms, vaccines, bone density test, colonoscopy, sigmoidoscopy, and much more.  Recommended tests and medical orders are based on clinical guidelines or medical criteria.

Oncology Analytics is a comprehensive oncology benefits management program which provides clinical decision support on oncology drugs, radiation therapy, molecular and genetic testing. Partnering with Oncology Analytics allows Triple-S to provide you with a higher quality of service by having clinical decision support by hematologists, medical and radiation oncologists, recommended protocols for efficacy, toxicity, and affordability and a user-friendly web-based application using the latest national guidelines.

Providers receive the clinical decision support necessary to make optimal treatment decisions for the most effective, affordable and least toxic care available. This optimizes outcomes and cost of care. Having access to evidence-based guidelines along with clinical depth and breadth of a clinical team ensures that you receive the highest quality value-based treatment decisions. Oncology Analytics applies evidence-based approach to preauthorization of chemotherapy drugs, radiation therapy, genetic testing and Pet CT, to reduce under-treatment, over treatment and inappropriate treatment of cancer patients.

Mobile application that will give access to send prescriptions electronically, buy medicine through the application and receive the order in your house or place of preference. 

For additional information, download the application into your mobile device or contact us at 888-525-4842.

A part of the approach to continue treating mental health conditions, the program will provide help for members, including:

• 24 hours Call Center fully attended by mental health professionals
• Immediate access to direct clinical face to face or virtual services
• Visits to EAP professionals, ten (10) visits per situation, per year
• FHC Emotional Connect-Teleheatlh: confidential way to timely access services to mental health specialist for counseling through videoconference
• Rehab Program
• Crisis Intervention

In most cases, providers and facilities file HIPAA compliant electronic claims for you. In cases where a paper claim must be used, the provider must file on the form CMS-1500, Health Insurance Claim Form. Facilities will file on the UB-04 form. For claims questions and assistance, call us at 787-774-6081 (TTY: 787-792-1370) from Puerto Rico or 800-716-6081 (TTY: 866-215-1999) from the U.S. Virgin Islands or visit us at our website at www.ssspr.com.

When you must file a claim - such as for services you receive outside of the Plan’s service area - submit it on the CMS-1500 or a claim form that includes the information shown below. Bills and receipts should be itemized and show:

• Covered member’s name, date of birth, address, phone number and ID number
• Name and address of the physician or facility that provided the service or supply
• Dates you received the services or supplies
• Diagnosis
• Type of each service or supply
• The charge for each service or supply
• A copy of the explanation of benefits, payments, or denial from any primary payor --such as the Medicare Summary Notice (MSN)
• Receipts, if you paid for your services
• For prescription drugs also include:
  • Prescription drug name;
  • Daily dosage;
  • Prescription number;
  • Dispensed supply; and
  • National Drug Code (NDC)

Note: Canceled checks, cash register receipts, or balance due statements are not acceptable substitutes for itemized bills.

Submit your claims to:

Triple-S Salud, Inc.
PO Box 363628
San Juan, PR 00936-3628

Send us all of the documents for your claim as soon as possible. You must submit the claim by December 31 of the year after the year you received the service. If you could not file on time because of Government administrative operations or legal incapacity, you must submit your claim as soon as reasonably possible. Once we pay benefits, there is a 2026 year limitation on the re-issuance of uncashed checks.

We will notify you of our decision within 30 days after we receive your post-service claim.  If matters beyond our control require an extension of time, we may take up to an additional 15 days for review and we will notify you before the expiration of the original 30-day period.  Our notice will include the circumstances underlying the request for the extension and the date when a decision is expected.

If we need an extension because we have not received necessary information from you, our notice will describe the specific information required and we will allow you up to 60 days from the receipt of the notice to provide the information. 

If you do not agree with our initial decision, you may ask us to review it by following the disputed claims process detailed in Section 8 of this brochure. 

Keep a separate record of the medical expenses of each covered family member and maximum allowances apply separately to each person. Save copies of all medical bills. In most instances they will serve as evidence of your claim. We will not provide duplicate or year-end statements.

Please reply promptly when we ask for additional information. We may delay processing or deny benefits for your claim if you do not respond. Our deadline for responding to your claim is stayed while we await all of the additional information needed to process your claim.

If you live in a country where at least 10% of the population is literate only in a non-English language (as determined by the Secretary of Health and Human Services), we will provide language assistance in that non-English language. You can request a copy of your Explanation of Benefits (EOB) statement, related correspondence, oral language services (such as telephone customer assistance), and help with filing claims and appeals (including external reviews) in the applicable non-English language. The English versions of your EOBs and related correspondence will include information in the non-English language about how to access language services in that non-English language.

Any notice of an adverse benefit determination or correspondence from us confirming an adverse benefit determination will include information sufficient to identify the claim involved (including the date of service, the health care provider, and the claim amount, if applicable), and a statement describing the availability, upon request, of the diagnosis and procedure codes.

Ask us in writing to reconsider our initial decision. You must:

a) Write to us within 6 months from the date of our decision; and

b) Send your request to us at: Triple-S Salud Grievances and Appeals Unit, PO Box 11320, San Juan,
Puerto Rico 00922-9905; and

c) Include a statement about why you believe our initial decision was wrong, based on specific benefit
provisions in this brochure; and

d) Include copies of documents that support your claim, such as physicians' letters, operative reports, bills,
medical records, and explanation of benefits (EOB) forms.

e) Include your email address (optional), if you would like to receive our decision via email. Please note that
by giving us your email, we may be able to provide our decision more quickly.

We will provide you, free of charge and in a timely manner, with any new or additional evidence considered,
relied upon, or generated by us or at our direction in connection with your claim and any new rationale for
our claim decision. We will provide you with this information sufficiently in advance of the date that we are
required to provide you with our reconsideration decision to allow you a reasonable opportunity to respond
to us before that date. However, our failure to provide you with new evidence or rationale in sufficient time
to allow you to timely respond shall not invalidate our decision on reconsideration. You may respond to that
new evidence or rationale at the OPM review stage described in step 4

In the case of a post-service claim, we have 30 days from the date we receive your request to:

a) Pay the claim or

b) Write to you and maintain our denial or

c) Ask you or your provider for more information

You or your provider must send the information so that we receive it within 60 days of our request. We will
then decide within 30 more days.

If we do not receive the information within 60 days we will decide within 30 days of the date the information
was due. We will base our decision on the information we already have. We will write to you with our
decision.

If you do not agree with our decision, you may ask OPM to review it. You must write in English to OPM within:

• 90 days after the date of our letter upholding our initial decision; or
• 120 days after you first wrote to us -- if we did not answer that request in some way within 30 days; or
• 120 days after we asked for additional information

Write to OPM at: United States Office of Personnel Management, Healthcare and Insurance, Federal
Employee Insurance Operations, FEHB 2, 1900 E Street, NW, Washington, DC 20415-3620.

Send OPM the following information in English:

• A statement about why you believe our decision was wrong, based on specific benefit provisions in this
  brochure;
• Copies of documents that support your claim, such as physicians' letters, operative reports, bills, medical
  records, and explanation of benefits (EOB) forms;
• Copies of all letters you sent to us about the claim;
• Copies of all letters we sent to you about the claim; and
• Your daytime phone number and the best time to call.
• Your email address, if you would like to receive OPM’s decision via email. Please note that by providing
  your email address, you may receive OPM’s decision more quickly.

Note: If you want OPM to review more than one claim, you must clearly identify which documents apply to
which claim.

Note: You are the only person who has a right to file a disputed claim with OPM. Parties acting as your
representative, such as medical providers, must include a copy of your specific written consent with the
review request. However, for urgent care claims, a health care professional with knowledge of your medical
condition may act as your authorized representative without your express consent.

Note: The above deadlines may be extended if you show that you were unable to meet the deadline because
of reasons beyond your control.

OPM will review your disputed claim request and will use the information it collects from you and us to
decide whether our decision is correct. OPM will send you a final decision or notify you of the status of OPM review within 60 days. There are no other administrative appeals.

If you do not agree with OPM’s decision, your only recourse is to sue. If you decide to file a lawsuit, you
must file the suit against OPM in Federal court by December 31 of the third year after the year in which you
received the disputed services, drugs, or supplies or from the year in which you were denied precertification
or prior approval. This is the only deadline that may not be extended.

OPM may disclose the information it collects during the review process to support their disputed claim
decision. This information will become part of the court record.

You may not file a lawsuit until you have completed the disputed claims process. Further, Federal law
governs your lawsuit, benefits, and payment of benefits. The Federal court will base its review on the record
that was before OPM when OPM decided to uphold or overturn our decision. You may recover only the
amount of benefits in dispute.

You must tell us if you or a covered family member has coverage under any other health plan or has automobile insurance that pays health care expenses without regard to fault. This is called “double coverage.”

When you have double coverage, one plan normally pays its benefits in full as the primary payor and the other plan pays a reduced benefit as the secondary payor. We, like other insurers, determine which coverage is primary according to the National Association of Insurance Commissioners’ (NAIC) guidelines. For more information on NAIC rules regarding the coordinating of benefits, visit our website at www.ssspr.com.

When we are the primary payor, we will pay the benefits described in this brochure.

When we are the secondary payor, we will determine our allowance. After the primary plan processes the benefit, we will pay what is left of our allowance, up to our regular benefit. We will not pay more than our allowance.

TRICARE is the health care program for eligible dependents of military persons, and retirees of the military. TRICARE includes the CHAMPUS program. CHAMPVA provides health coverage to disabled Veterans and their eligible dependents. If TRICARE or CHAMPVA and this Plan cover you, we pay first. See your TRICARE or CHAMPVA Health Benefits Advisor if you have questions about these programs.

Suspended FEHB coverage to enroll in TRICARE or CHAMPVA: If you are an annuitant or former spouse, you can suspend your FEHB coverage to enroll in one of these programs, eliminating your FEHB premium.  (OPM does not contribute to any applicable plan premiums.)  For information on suspending your FEHB enrollment, contact your retirement or employing office.  If you later want to re-enroll in the FEHB Program, generally you may do so only at the next Open Season unless you involuntarily lose coverage under TRICARE or CHAMPVA.

Every job-related injury or illness should be reported as soon as possible to your supervisor. Injury also means any illness or disease that is caused or aggravated by the employment as well as damage to medical braces, artificial limbs and other prosthetic devices. If you are a federal or postal employee, ask your supervisor to authorize medical treatment by use of form CA-16 before you obtain treatment. If your medical treatment is accepted by the Dept. of Labor Office of Workers’ Compensation (OWCP), the provider will be compensated by OWCP. If your treatment is determined not job-related, we will process your benefit according to the terms of this plan, including use of in-network providers. Take form CA-16 and form OWCP-1500/HCFA-1500 to your provider, or send it to your provider as soon as possible after treatment, to avoid complications about whether your treatment is covered by this plan or by OWCP.

 We do not cover services that:

• You (or a covered family member) need because of a workplace-related illness or injury that the Office of Workers’ Compensation Programs (OWCP) or a similar federal or state agency determines they must provide; or
• OWCP or a similar agency pays for through a third-party injury settlement or other similar proceeding that is based on a claim you filed under OWCP or similar laws.

When you have this Plan and Medicaid, we pay first.

Suspended FEHB coverage to enroll in Medicaid or a similar State-sponsored program of medical assistance: If you are an annuitant or former spouse, you can suspend your FEHB coverage to enroll in one of these State programs, eliminating your FEHB premium. For information on suspending your FEHB enrollment, contact your retirement or employing office. If you later want to re-enroll in the FEHB Program, generally you may do so only at the next Open Season unless you involuntarily lose coverage under the State program.

Our right to pursue and receive subrogation and reimbursement recoveries is a condition of, and a limitation on, the nature of benefits or benefit payments and on the provision of benefits under our coverage.

If you have received benefits or benefit payments as a result of an injury or illness and you or your representatives, heirs, administrators, successors, or assignees receive payment from any party that may be liable, a third party’s insurance policies, your own insurance policies, or a workers’ compensation program or policy, you must reimburse us out of that payment. Our right of reimbursement extends to any payment received by settlement, judgment, or otherwise.

We are entitled to reimbursement to the extent of the benefits we have paid or provided in connection with your injury or illness. However, we will cover the cost of treatment that exceeds the amount of the payment you received. 

Reimbursement to us, out of the payment, shall take first priority (before any of the rights of any other parties are honored) and is not impacted by how the judgment, settlement, or other recovery is characterized, designated, or apportioned. Our right of reimbursement is not subject to reduction based on attorney fees or costs under the “common fund” doctrine and is fully enforceable regardless of whether you are “made whole” or fully compensated for the full amount of damages claimed.

We may, at our option, choose to exercise our right of subrogation and pursue a recovery from any liable party as successor to your rights.

If you do pursue a claim or case related to your injury or illness, you must promptly notify us and cooperate with our reimbursement or subrogation efforts.

Some FEHB Plans already cover some dental and vision services. When you are covered by more than one vision/dental Plan, coverage provided under your FEHB Plan remains as your primary coverage. FEDVIP coverage pays secondary to that coverage. When you enroll in a dental and/or vision Plan on BENEFEDS.gov or by phone at 877-888-3337, (TTY: 877-889-5680), you will be asked to provide information on your FEHB Plan so that your Plans can coordinate benefits. Providing your FEHB information may reduce your out-of-pocket cost.

An approved clinical trial includes a phase I, phase II, phase III, or phase IV clinical trial that is conducted in relation to the prevention, detection, or treatment of cancer or other life-threatening disease or condition and is either Federally funded; conducted under an investigational new drug application reviewed by the Food and Drug Administration; or is a drug trial that is exempt from the requirement of an investigational new drug application.

If you are a participant in a clinical trial, this health plan will provide related care as follows, if it is not provided by the clinical trial:

• Routine care costs – costs for routine services such as doctor visits, lab tests, x-rays and scans, and hospitalizations related to treating the patient’s condition, whether the patient is in a clinical trial that is covered or is receiving standard therapy.  These costs are covered by this plan.
• Extra care costs – costs related to taking part in a clinical trial such as additional tests that a patient may need as part of the trial, but not as part of the patient’s routine care.  This plan does not cover these costs.
• Research costs – costs related to conducting the clinical trial such as research physician and nurse time, analysis of results, and clinical tests performed only for research purposes.  These costs are generally covered by the clinical trials.  This plan does not cover these costs.         

For more detailed information on "What is Medicare?" and "Should I Enroll in Medicare?" please contact Medicare at 800-MEDICARE (800-633-4227), (TTY 877-486-2048) or at www.medicare.gov.

The Original Medicare Plan (Original Medicare) is available everywhere in the United States. It is the way everyone used to get Medicare benefits and is the way most people get their Medicare Part A and Part B benefits now. You may go to any doctor, specialist, or hospital that accepts Medicare. The Original Medicare Plan pays its share and you pay your share.

All physicians and other providers are required by law to file claims directly to Medicare for members with Medicare Part B, when Medicare is primary.  This is true whether or not they accept Medicare.

When you are enrolled in Original Medicare along with this Plan, you still need to follow the rules in this brochure for us to cover your care.

Claims process when you have the Original Medicare Plan - You will probably not need to file a claim form when you have both our Plan and the Original Medicare Plan.

When we are the primary payor, we process the claim first.

When Original Medicare is the primary payor, Medicare processes your claim first.  In most cases, your claims will be coordinated automatically and we will then provide secondary benefits for covered charges.  To find out if you need to do something to file your claim, call us at 787-774-6081 (TTY: 787-792-1370) from Puerto Rico or 800-716-6081 (TTY: 866-215-1999) from the U.S. Virgin Islands, or see our website at www.ssspr.com.

We waive some costs if the Original Medicare Plan is your primary payor--We will waive some out-of-pocket costs, as follows:

• Medical Services and supplies provided by physicians and other health care professionals.  

• Strips and lancets for members with Diabetes Type 1 and 2 that are enrolled in Medicare Part A and Part B. Medicare will be the primary payor and we will waive the Medicare deductible and coinsurance.

Please review the following examples which illustrates your cost share if you are enrolled in Medicare Part B. If you purchase Medicare Part B, your provider is in our network and participates in Medicare, then we waive some costs because Medicare will be the primary payor.

Benefit Description: Deductible
You pay without Medicare: $0
You pay with Medicare Part B: $0

Benefit Description: Catastrophic Protection Out-of-Pocket Maximum
You pay without Medicare: $6,600 Self Only $13,200 Self Plus One and Family
You pay with Medicare Part B: $6,600 Self Only $13,200 Self Plus One and Family

Benefit Description: Primary Care Provider
You pay without Medicare: $7.50
You pay with Medicare Part B: $0

Benefit Description: Specialist
You pay without Medicare: $7.50
You pay with Medicare Part B: $0

Benefit Description: Inpatient Hospital
You pay without Medicare: $0
You pay with Medicare Part B: $0

Benefit Description: Outpatient Hospital
You pay without Medicare: $25
You pay with Medicare Part B: $0

You can find more information about how our plan coordinates benefits with Medicare in the summary of benefits included in our website at www.ssspr.com.

If you are eligible for Medicare, you may choose to enroll in and get your Medicare benefits from a Medicare Advantage Plan. These are private health care choices (like HMOs and regional PPOs) in some areas of the country. To learn more about Medicare Advantage Plans, contact Medicare at 800-MEDICARE (800-633-4227), (TTY: 877-486-2048) or at www.medicare.gov.

If you enroll in a Medicare Advantage Plan, the following options are available to you:

This Plan and our Medicare Advantage Plan:  You may enroll in our Medicare Advantage Plan and also remain enrolled in our FEHB Plan.  We will still provide benefits when our Medicare Advantage Plan is primary, even when you visit non Plan providers of our Medicare Advantage Plan (but they are network providers of Triple-S Salud, Inc. regular Plan servicing FEHB). If you enroll in our Medicare Advantage Plan, please tell us.  We will need to know if you are enrolled in our Medicare Advantage Plan as soon as you subscribe to it, so we can correctly coordinate benefits with the FEHB Plan from the beginning of your Medicare Advantage coverage.

This Plan and another Plan’s Medicare Advantage Plan: You may enroll in another Plan’s Medicare Advantage Plan and also remain enrolled in our FEHB Plan. We will still provide benefits when your Medicare Advantage Plan is primary, even out of the Medicare Advantage Plan’s network and/or service area (if you use our Plan providers).  However, we will not waive any of our copayments or coinsurance. If you enroll in a Medicare Advantage Plan, tell us. We will need to know whether you are in the Original Medicare Plan or in a Medicare Advantage Plan so we can correctly coordinate benefits with Medicare.

Suspended FEHB coverage to enroll in a Medicare Advantage Plan: If you are an annuitant or former spouse, you can suspend your FEHB coverage to enroll in a Medicare Advantage Plan, eliminating your FEHB premium. (OPM does not contribute to your Medicare Advantage Plan premium.) For information on suspending your FEHB enrollment, contact your retirement or employing office. If you later want to re-enroll in the FEHB Program, generally you may do so only at the next Open Season unless you involuntarily lose coverage or move out of the Medicare Advantage Plan’s service area.

• You have FEHB coverage on your own or through your spouse who is also an active employee

• You have FEHB coverage through your spouse who is an annuitant

• It is within the first 30 months of eligibility for or entitlement to Medicare due to ESRD (30-month coordination period)

• It is beyond the 30-month coordination period and you or a family member are still entitled to Medicare due to ESRD

• This Plan was the primary payor before eligibility due to ESRD (for 30-month coordination period)

• Medicare was the primary payor before eligibility due to ESRD

• Medicare based on age and disability

• Medicare based on ESRD (for the 30-month coordination period)

• Medicare based on ESRD (after the 30-month coordination period)

An authorization by you (the enrollee or covered family member) that is approved by us (the Carrier), for us to issue payment of benefits directly to the provider.

We reserve the right to pay you directly for all covered services. Benefits payable under the contract are not assignable by you to any person without express written approval from us, and in the absence of such approval, any assignment shall be void.

Your specific written consent for a designated authorized representative to act on your behalf to request reconsideration of a claim decision (or, for an urgent care claim, for a representative to act on your behalf without designation) does not constitute an Assignment.

OPM’s contract with us, based on federal statute and regulation, gives you a right to seek judicial review of OPM's final action on the denial of a health benefits claim but it does not provide you with authority to assign your right to file such a lawsuit to any other person or entity. Any agreement you enter into with another person or entity (such as a provider, or other individual or entity) authorizing that person or entity to bring a lawsuit against OPM, whether or not acting on your behalf, does not constitute an Assignment, is not a valid authorization under this contract, and is void.

An approved clinical trial includes a phase I, phase II, phase III, or phase IV clinical trial that is conducted in relation to the prevention, detection, or treatment of cancer or other life-threatening disease or condition, and is either Federally-funded; conducted under an investigational new drug application reviewed by the Food and Drug Administration (FDA); or is a drug trial that is exempt from the requirement of an investigational new drug application. 

If you are a participant in a clinical trial, this health plan will provide related care as follows, if it is not provided by the clinical trial:

• Routine care costs – costs for routine services such as doctor visits, lab tests, x-rays and scans, and hospitalizations related to treating the patient’s condition whether the patient is in a clinical trial or is receiving standard therapy
• Extra care costs – costs related to taking part in a clinical trial such as additional tests that a patient may need as part of the trial, but not as part of the patient’s routine care
• Research costs – costs related to conducting the clinical trial such as research physician and nurse time, analysis of results, and clinical tests performed only for research purposes.  These costs are generally covered by the clinical trials. This plan does not cover these costs.

See Section 4, page 22.

See Section 4, page 22.

See Section 4, page 22.

Treatment or services, regardless of who recommends them or where they are provided, that could be rendered safely and reasonably by a person not medically skilled, or that are designed mainly to help the patient with daily living activities. Custodial care that lasts 90 days or more is sometimes known as Long term care. These activities include but are not limited to:

• personal care such as help in: walking; getting in and out of bed; bathing; eating by spoon, tube or gastrostomy; exercising; dressing;
• homemaking, such as preparing meals or special diets;
• moving the patient;
• acting as a companion or sitter;
• supervising medication that can usually be self-administered; or
• treatment or services that any person may be able to perform with minimal instruction, including but not limited to recording temperature, pulse, and respirations, or administration and monitoring of feeding systems.

Infertility that occurs in oncology patients as a result of medical treatments such as chemotherapy, radiation therapy, and surgery. We cover standard fertility preservation procedures for men and women as recognized by the American Society for Reproductive Medicine (ASRM) and/or American Society of Clinical Oncology (ASCO).

In-network, network or plan providers are the Doctors, group of doctors, other health professionals, hospitals and other health care facilities that have an agreement with us to accept our payment and any copayment or coinsurance as a full payment. We have made some arrangements with these providers so they can offer services covered by our plan to our enrollees.

Triple-S Salud defines infertility as a disease or condition characterized by the inability to impregnate or conceive; a person's inability to reproduce either as an individual or with the person's partner for a period of 12 months or more (6 months for members over age 35). Cases of infertility can be determined based on a patient's medical history, physical findings, or diagnostic testing.

Services, drugs, supplies, or equipment provided by a hospital or covered provider of health care services that the Plan determines:

• are appropriate to diagnose or treat the patient’s condition, illness or injury;
• are consistent with standards of good medical practice in the United States;
• are not primarily for the personal comfort or convenience of the patient, the family, or the provider;
• are not a part of or associated with the scholastic education or vocational training of the patient; and
• in the case of inpatient care, cannot be provided safely on an outpatient basis.

The fact that a covered provider has prescribed, recommended, or approved a service, supply, drug, or equipment does not, in itself, make it medically necessary.

Doctors, group of doctors, other health professionals, hospitals and other health care facilities who do not have an active contract with Triple-S Salud, Inc. to accept our payment and any copay or coinsurance as a full payment.

Plan allowance is the amount we use to determine our payment and your coinsurance for covered services. Plans determine their allowances in different ways. We determine our allowance as follows: the Plan allowance in our service area, Puerto Rico and U.S. Virgin Islands, is the medical benefits schedule, the fees Plan providers have agreed to accept as payment in full. The Plan allowance outside of the service area is the usual, customary and reasonable charge.

Advanced authorization from Triple-S Salud, Inc. for the payment of any of the benefits and coverage under this policy and its riders, in cases Triple-S Salud, Inc. deems necessary. Some of the objectives of the precertification are: evaluate if the service is medically necessary, evaluate the adequacy of the service location, verify the eligibility of the insured for the requested service, and its availability in Puerto Rico.  Precertifications will be evaluated based on the precertifications policies that Triple-S Salud,Inc. has set forth through time.  Triple-S Salud, Inc. will not be liable for payment of services that have been rendered or received without this authorization from Triple-S Salud, Inc.

A carrier's pursuit of a recovery from any party that may be liable, any applicable insurance policy, or a workers' compensation program or insurance policy, as successor to the rights of a covered individual who suffered an illness or injury and has obtained benefits from that carrier's health benefits plan.

An unexpected bill you receive for:
• emergency care – when you have little or no say in the facility or provider from whom you receive care, or for
• non-emergency services furnished by nonparticipating providers with respect to patient visits to participating health care facilities, or for
• air ambulance services furnished by nonparticipating providers of air ambulance services.

A claim for medical care or treatment is an urgent care claim if waiting for the regular time limit for non-urgent care claims could have one of the following impacts:

• Waiting could seriously jeopardize your life or health;
• Waiting could seriously jeopardize your ability to regain maximum function; or
• In the opinion of a physician with knowledge of your medical condition, waiting would subject you to severe pain that cannot be adequately managed without the care or treatment that is the subject of the claim.

Urgent care claims usually involve Pre-service claims and not Post-service claims.  We will determine whether or not a claim is an urgent care claim by applying the judgment of a prudent layperson who possesses an average knowledge of health and medicine.

If you believe your claim qualifies as an urgent care claim, please contact our Customer Service Department at 787-774-6081 (TTY: 787-792-1370) from Puerto Rico or 800-716-6081 (TTY: 866-215-1999) from the U.S. Virgin Islands.  You may also prove that your claim is an urgent care claim by providing evidence that a physician with knowledge of your medical condition has determined that your claim involves urgent care.

Us, We and Plan refer to Triple-S Salud, Inc.

Network: $7.50 office visit copay for PCP or $7.50 specialist; Nothing for X-rays and $1.00 per laboratory
Out-of-Network: 10% of our allowance plus any difference between allowance and billed amount

27-28

Network: Nothing
Out-of-Network: 10% of our allowance plus any difference between allowance and billed amount

48-49

Network: $25 facility copay for outpatient surgery
Out-of-Network: 10% of our allowance plus any difference between allowance and billed charge

49

Network: Emergency room $25

Nothing for hospital.

Urgent care in network urgent centers $10 copay

52

10% plus all charges that exceed our allowance

52

Regular cost-sharing

54-55

• Tier 1: generic prescription drugs, $2.00 for unit or refill.
• Tier 2: preferred brand prescription drug, $20 for unit or refill.
• Tier 3: non-preferred brand name drugs, 20% up to $125 maximum out of pocket for unit or refill.
• Tier 4: Preferred Specialty/biotech drugs, 25% or $200, whichever is the lowest for unit or refill
• Tier 5: Non-Preferred Specialty/biotech drugs, 30% or $300, whichever is the lowest for unit or refill

58

• Tier 1: generic prescription drugs, $4.00 for unit or refill
• Tier 2: preferred brand prescription drug, $40 for unit or refill
• Tier 3: non-preferred brand name drugs, 20% up to $375 maximum out of pocket for unit or refill

60

Nothing for diagnostic services; 30% all other services.

62-63

$7.50 per office visit

36-37

Flexible benefits option · Teleconsulta · Blue Card Program · Blue Card Worldwide · Centers of Excellence for transplants · Telexpreso · Medication Therapy Management Program · Health Risk Assessment (HRA) tool · Preventive Care Centers · Oncology Analytics

64-66