MMC Benefits Handbook
Travel and Lodging
The Plan covers expenses for travel and lodging for all services, for the patient, provided he or she is not covered by Medicare, and a companion as follows:
  • Transportation of the patient and one companion who is traveling on the same day(s) to and/or from the site of the qualified procedure provided by a Provider for the purposes of an evaluation, the procedure or necessary post-discharge follow-up.
  • The Eligible Expenses for lodging for the patient (while not a Hospital inpatient) and one companion.
  • If the patient is an enrolled Dependent minor child, the transportation expenses of two companions will be covered.
  • Travel and lodging expenses are only available if the patient resides more than 100 miles from the Provider.
  • For infertility treatment if no WIN in-network provider is available within 100 miles of the patient's home.
The Claims Administrator must receive valid receipts for such charges before you will be reimbursed after travel has taken place.
What is the Plan's travel expense benefit?
The Plan will reimburse amounts paid for transportation primarily for, and essential to, medical care, as described above under "Travel and Lodging". These include:
  • Automobile mileage (reimbursed at the IRS medical rate) for the most direct route between the patient's home and the Provider. Go to www.irs.gov and enter "standard mileage rate" in the "Search" box for more information.
  • Taxi, Uber/Lyft fares (not including limos or car services/rental cars).
  • Economy or coach airfare.
  • Parking.
  • Trains.
  • Boat.
  • Bus.
  • Tolls.
Note: the Plan will not reimburse depreciation, insurance, general repair, or maintenance expenses.
What is the Plan's lodging expense benefit?
The Plan will reimburse the cost of lodging at a hospital or similar institution if a principal reason for being there is to receive medical care under the circumstances described above under "Travel and Lodging". The Plan will reimburse the cost of lodging not provided in a hospital or similar institution if all the following requirements are met:
  • The lodging is primarily for and essential to medical care.
  • The medical care is provided by a doctor in a licensed hospital or in a medical care facility related to, or the equivalent of, a licensed hospital.
  • The lodging isn't lavish or extravagant under the circumstances.
  • There is no significant element of personal pleasure, recreation, or vacation in the travel away from home.
The Plan does not reimburse the cost of meals.
Is there a limit on the travel and lodging expense benefit the Plan will reimburse?
The reimbursement for lodging expenses is limited to $50 per night for one person, or $100 per night combined for the patient and one caregiver. When a child is the patient, two persons may accompany the child, including lodging expenses of a parent who must go with a child who needs medical care or of a nurse or other person who can give injections, medications, or other treatment required by a patient who is traveling to get medical care and is unable to travel alone. When a child is the patient, two persons may accompany the child. The maximum reimbursement for lodging expenses is $100 per night.
The maximum reimbursement for all travel and lodging expenses combined is $10,000 per episode of care.
How can participants receive reimbursement from the Plan?
Contact the Claims Administrators for information.
WIN is the claims administrator for eligible infertility medical services and infertility prescriptions.
Surest is the claims administrator for all other eligible medical services.
Important Information About Your Personal Health Information
  • The Company does not collect, maintain, or report on any personal health information pertaining to you or any covered dependents.
  • As a participant in our health plan, your personal health information is protected by federal law.
  • Our medical Third Party Administrators (or carriers with respect to the insured programs) are required to protect your personal health information in accordance with federal law and data privacy agreements with the Company and/or plan fiduciaries.
  • Please note that states seeking to prohibit or limit certain services under Company-sponsored plans might attempt to challenge your right to privacy under federal law. If a state's legal challenge is successful, there may be legal consequences associated with you procuring a service under a Company-sponsored plan that is or may become prohibited or limited under state law. If you have questions about potential risks, please seek professional legal advice.