Transcript your medical plan options - Brenau Update

BRENAU UNIVERSITY
2016 OPEN ENROLLMENT
AND BENEFITS OVERVIEW
Plan year: 2016
862431a 04/15 © 2015 Cigna. Offered by Cigna Health and Life Insurance Company, Connecticut General Life Insurance Company, or their affiliates.
Agenda
•
Opening Remarks
•
How to Enroll during Open Enrollment
•
What’s New for 2016
•
Lincoln Ancillary Benefits
– Life Insurance
– Short Term Disability
– Long Term Disability
– Supplemental Life Insurance
•
Cigna Tools & Resources
– 24/7 Phone and online help
– 24/7 Nurse Line
– www.mycigna.com
– Mycigna Mobile App
•
Cigna Pharmacy
– Home Delivery Program
– Preventative Drugs
•
•
•
Preventive Medical Care
Convenience Care
Chronic Condition Management
•
Cigna Medical / Dental/ Vision - Benefits Overview
•
Cigna Claims Process
•
Turner, Wood and Smith
2
How to Enroll for 2016 medical, dental, vision, life & disability
insurance coverage:
• Each ¾-time and full-time employee will be required to login to our enrollment
system (Selerix) to either enroll-in OR opt-out of each offered benefit.
• It is also important to check your personal information as it appears in the
system, update beneficiaries, and add/delete dependents, if applicable.
• If you do not log into to the system, your level of coverage will remain the same
for 2016 and you will be unable to make changes until the next open enrollment
period (November 2016).
• However, please note that flexible spending accounts will not automatically
renew. Therefore, if you plan to enroll in the flexible spending account you must
actively enroll. The process is quick and easy and should take no more than 10
minutes.
3
What’s New For 2016 - UPDATE
•
•
•
•
•
•
•
•
•
Lincoln Financial for Life and Disability
Medical, Rx, dental and vision coverage through Cigna
24/7 Cigna pre enrollment hotline
24/7/365 Cigna Customer Service throughout plan service year
24/7/364 Cigna Nurse Information Line
Your Health First Chronic Care (disease) Management / Coaching
Lifestyle Management Programs (smoking cessation, weight, stress)
www.mycigna.com
Cigna Health Assessment
Thank you for choosing Lincoln Financial and Cigna!.
4
Important Information to Know…..
ID Cards
• ID cards will be issued prior to 01/01/2016
• Each family member will receive their own medical ID card
• After 01/01/2016 members can log on to www.mycigna.com
• to print a temporary ID card and order replacement ID cards.
Cigna Open Access Plus Providers
• Employees can access Cigna OAP providers by logging onto www.cigna.com
– Step 1: Log onto www.cigna.com
– Step 2: Click “Find a Doctor” at the top of the screen
– Step 3: Click “ Select a plan for your search”
– Step 4: Select the first option “Open Access Plus, OA Plus, Choice Fund OA Plus”
– Step 5: Select the type of provider “Primary Care Physician” or “Specialist” and click search
– Step 6: A listing of providers will appear for you to view
– Step 7: You can select the print/email option to print a pdf copy or email the provider listing
5
Lincoln Financial Group
Life Insurance /
Disability Insurance
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2015 Cigna
6
Long Term Disability
Long Term Disability (LTD) available through Lincoln Financial.
The following benefits are provided in the LTD plan:
The benefit percentage is:
60% of totally monthly earnings
The maximum monthly benefit is
$10,000
Elimination Period:
90 Days
Benefit Period:
To age 65
EmployeeConnect SM services
Four face-to-face
counseling
sessions included
Unlimited phone
access to legal,
financial and worklife services
Financial
consultations and
referrals
Services available
24/7 via
telephone and
internet
Work-life services
for assistance with
child care, finding
movers and more
© 2015 Lincoln National Corporation. For plan sponsor use only. Not for use with plan participants.
8
Basic Life Insurance
Brenau University provides each employee 2.5 X salary to a maximum
of $500,000 of Group Term Basic Life Insurance and Accidental Death
and Dismemberment Coverage through Lincoln Financial.
Basic Dependent Life – Spouse $2,000 and Child(ren) $1,000
Accelerated Death Benefit (AD&D) included under the Basic and
Supplemental Life programs.
AD&D coverage is equal to 100% of your basic life benefits
AD&D pays for accidental death and dismemberment in addition to
your Basic Life benefit.
Additional Life Insurance
Brenau University allows the employees to purchase additional life insurance in addition to the
amount provided by the university. This benefit is available on a voluntary basis and paid for by
employees.
The coverage is with Lincoln Financial and provides the following benefits:
Employee
• Coverage is available in $10,000 increments
• Minimum coverage is $20,000
• Maximum coverage is $300,000 (or 5x your annual salary)
• Evidence of insurability may be required to purchase
• Coverage reduces 35% upon the person’s attainment of age 70, an additional 15% of the
original amount at age 75, and will terminate upon retirement.
Spouse
• Maximum coverage is $100,000
Children
• Maximum coverage is $10,000
Additional Life Rates- Monthly
Age
Employee and Spouse
<24
$ .031
25-29
$ .033
30-34
$ .058
• Based on the employee’s current
age for both Employee and spouse
35-39
$ .067
40-44
$ .112
• Rates are as a monthly rate per
$1000 of Life Insurance coverage
45-49
$ .166
50-54
$ .293
55-59
$ .465
60-64
$ .514
65-69
$ .745
70-74
$ 1.383
75+
$ 2.767
The rates are:
• Rates adjusted once each year on
the plan anniversary date
• Child rate is $2.00 per month for
$10,000, regardless of the number
of children
Additional Life Rates
Including Accidental Death & Dismemberment – Monthly
Age
Employee
Spouse
<24
$ .049
$ .056
25-29
$ .051
$ .058
30-34
$ .076
$ .083
35-39
$ .085
$ .092
40-44
$ .130
$ .137
45-49
$ .184
$ .191
50-54
$ .311
$ .318
• Rates adjusted once each year on
the plan anniversary date
55-59
$ .483
$ .490
60-64
$ .532
$ .539
• Child rate is $3.40 per month for
$10,000, regardless of the number
of children
65-69
$ .763
$ .770
70-74
$ 1.401
$ 1.408
75+
$ 2.785
$ 2.792
The rates are:
• Based on the employee’s current
age for both Employee and spouse
• Rates are as a monthly rate per
$1000 of Life Insurance coverage
LifeKeys® services
EstateGuidance® will preparation
Create your will online — easily and economically. Follow a step-by-step guide
through the entire process, and then use online instructions to execute your
will.
GuidanceResources® Online
GuidanceResources® Online is the place to go for articles, tutorials, streaming
videos and “Ask the Expert” personal responses on a variety of topics.
Identity theft
Identity theft is one of the fastest-growing crimes in the U.S. Be sure you have
the information you need to recognize and prevent it. Our online resource can
help.
Beneficiary services
A combination totaling six in-person sessions for grief counseling, or legal or
financial information and unlimited phone counseling.
© 2015 Lincoln National Corporation. For plan sponsor use only. Not for use with plan participants.
13
TravelConnect SM services
Available for business or leisure
travel when more than 100 miles from home
Emergency travel arrangements and funds
transfers
Repatriation
Travel and security services and assistance
with lost or stolen travel documents
Medical and dental referrals
© 2015 Lincoln National Corporation. For plan sponsor use only. Not for use with plan participants.
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Cigna HealthCare
Medical / Dental / Vision
Coverage Overview
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2015 Cigna
15
We’ve got your back.
so you can achieve what matters most..
That’s why we offer coverage
tools
resources that will work for you.
Together, we can all live
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2015 Cigna
healthier
lives.
16
You go the extra mile to be healthy
but you don’t need to go it
alone.
With a Cigna medical, dental and vision plan, we’re
with you all the way – in sickness and in health.
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2015 Cigna
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HOW WE CAN HELP
Cigna’s tools and resources
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2015 Cigna
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We’re here for you:
Pre-Effective Date
Pre-Effective Date phone help = call 1-800-564-7642.
• Call anytime day or night – live, 24/7
• Ask questions about transition to Cigna, look up doctors, ask benefit
questions specific to the Brenau University Cigna program…etc.
• Pre- Effective Date online = www.cigna.com
• Look up participating doctors and hospitals
• General information about Cigna
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2015 Cigna
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We’re here for you:
Post-Effective Date
• Post-Effective Date phone help = 1-800-Cigna-24
• Call us anytime day or night – live, 24/7 customer service, 365 days a year.
• This will be the # on your ID Card.
• Ask for a Spanish-speaking representative or speak with us in your preferred
language – interpreter service is available in over 200 languages
Post-Effective Date online = myCigna.com and myCigna Mobile App
• Directory of doctors, hospitals, facilities with cost and quality ratings
• Coverage details (copays, deductibles, out-of-pocket maximums, etc.)
• Claim activity and history
• Temporary ID cards or info on how to order new ones (myCigna.com only)
• Condition and wellness resources. Using our interactive medical library, find
information on health conditions, first aid, medical exams, wellness, health
assessment and more.
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2015 Cigna
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HEALTH INFORMATION LINE PROGRAM OVERVIEW
• 24/7/365 telephone access for customers wanting
health and medical information and guidance
• Nurses provide education, recommendations and
support to achieve the best possible outcomes by:
– Assisting with navigation through the
health care system
– Providing health and medical information
– Triaging and guiding customers to the right setting in
the right timeframe
– Providing information on self help and home care
– Suggesting online tools
– Referring to other health care professionals
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna
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HEALTH INFORMATION LINE SUPPORT
Skilled, experienced nurses provide confidential and
convenient service 24/7 to help customers:
+
Understand and
make decisions
about current
symptom-based
health issues
Find the right
care in the right
setting at the
right time
i
Access health
and medical
information,
including an
audio health
library
Better participate
in their personal
health care with
online tools
Connect with
other health care
professionals and
support programs*
including:
•Case Management
and Chronic Condition
Support
•Health Advocacy
Programs
*Based upon availability
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna
22
myCigna.com
Employee Self Service
Simpler
Smarter
Intuitive
foot
Auto-suggest
anticipates
customer’s
search
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna
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myCigna mobile app
• Instant, real-time access to health
information on the go
• Store and organize info right on smartphone
• Easy and simple navigation
• Completely personalized
• Available whenever, wherever
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna
25
Access ID card information
• Quickly view ID card information for
the entire family
• Easily and securely print, email, or fax
Sara Anderson
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna
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Search claims
• Access and review current and past claims
• Bookmark and group claims for quick and
easy reference
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna
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Find doctors and services
• Search for a health care professional
in Cigna’s national network
• Valuable quality-of-care ratings
• Easily navigate using consumer-friendly
language, not jargon
• Access maps for driving directions right
from your smartphone
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna
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Cigna Pharmacy
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2015 Cigna
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How can I get the most out of my pharmacy benefits plan?
1
Learn what
drugs are
covered
Save money by
reviewing the
covered drug list
on Cigna.com or
myCigna.com to
know which drugs
are generic or
preferred and
cost less
2
3
4
5
Compare
prices
Use Cigna
Home
Delivery
Pharmacy
Get help with
specialty
medications
Use the
pharmacy
page of
myCigna.com
Take advantage of
our TheraCare®
program, which
helps customers
who use injectable
medications for
conditions like
multiple sclerosis,
hepatitis C and
hemophilia
Gives you
24/7/365 access to
pharmacy claim
history, benefit
details, drug and
pharmacy
comparison tools
and a pharmacist
to answer your
questions
Use the
Prescription Drug
Quote Tool on
myCigna.com to
see what drugs
cost with your plan,
or compare prices
at over 60,000
retail pharmacies
and Cigna Home
Delivery Pharmacy
Have many of
your regular
medications
delivered right to
your door at no
additional cost –
there may even be
a cost savings
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2011 Cigna
30
Understanding CIGNA’s Prescription Drug List
Cigna has a formulary drug list categorizes each class of drug (generic, brand and nonpreferred brand). You can utilize our “drug list” via www.Cigna.com or
www.myCigna.com to determine which tier your prescription drugs are in.
Things to keep in mind:
• Your current drug(s) could fall under a different tier with CIGNA’s formulary verses Aetna’s formulary.
• When obtaining a new prescription it may require authorization before coverage is provided:
– PA: Prior Authorization – may be required for different reasons. To determine requirements you can
call the pre-enrollment line.
– QL: Quantity Limit – means that you may have coverage for a limited amount of a specific
medication.
– AGE: Age Requirement – means that a person must be within a specific age group for a specific
medication to be covered.
• Be sure to show your new Cigna ID card when obtaining a prescription for the first time after 1/1/2016
31
Cigna Home Delivery Program – How Does it Work?
– Designed especially for people who take prescription medications on a regular
basis.
– Have your medications delivered right to your door for free.
– Get up to a 90-day supply of your medications at one time.
– Plus, its good to know that people who use CIGNA Home Delivery Pharmacy are
more likely to take their prescriptions exactly as their doctor has prescribed when
compared to people who use retail pharmacies alone.
32
CIGNA Home Delivery “Quick Switch Program”
Have the following information handy when you call, and we’ll do
the rest!
1.
2.
3.
4.
Name and CIGNA ID number
Prescription medication names (for you and your covered family members)
Doctor information (name, phone number)
Payment information (American Express, Discover, MasterCard or Visa)
33
Preventive Drugs
• Preventive medications are used for the prevention of conditions such as:
– High blood pressure
– High cholesterol
– Diabetes
– Asthma
– Osteoporosis
– Heart attack
– Stroke
– Prenatal nutrient deficiency
• Preventive drugs on the Cigna Preventive Drug List are covered at no deductible, no
copay.
• See list on www.informedonreform.com
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2011 Cigna
34
Preventive Care
Convenience Care
Chronic Condition Support
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2015 Cigna
35
Understanding Preventive Care
•Includes wellness exams/annual physical and certain immunizations, health screenings
(colonoscopy, mammogram, etc.) - covered at 100%
•Services provided when you do not have symptoms and have not been diagnosed with
health issues connected with the preventive service
•NOTE: If your doctor determines that you have a medical issue present during a
preventive service, the additional screenings and tests become diagnostic and not
preventive, which are then applied to your medical benefits.
36
Convenience Care Clinics
– Are available when you need treatment for common ailments and injuries.
– They offer high-quality, affordable services for a wide variety of routine medical conditions.
– Some examples include:
– Seasonal or chronic allergies
– Ear infections
– Strep throat
– Sinus infections
– Immunizations and vaccinations
– No waiting for an appointment, wait time on average is 15 minutes.
– You pay your primary care copay for services rendered
– Extended hours of operation, available 7 days a week.
– For example, CVS Minute Clinic or Walgreens Take Care Clinic
Log onto www.mycigna.com or call the number on the back of your ID card for the
location nearest you.
37
Chronic Condition Support
We’ll help you get what you need for your chronic condition.
If you have a chronic health condition, we know there are times when you need extra help. That’s why
we’re here. Take advantage of our free health coaching and then, when you’re ready to go at it alone,
say the word. We’ll guide you to self service resources and be there when you need us. It’s up to you.
Connect with one dedicated contact.
A health specialist – trained as a nurse, coach,
nutritionist, or clinician – may be calling you to
get things started, or you can call us anytime.
•
•
•
•
•
•
•
Take Charge of your health using online tools.
OR
Manage a chronic condition.
Create a personal care plan.
Understand medications or your doctor’s orders.
Identify triggers that affect your condition.
Make educated decisions on your treatment options.
Know what to expect if you need to spend time in
the hospital.
Improve your lifestyle by coping with stress, quitting
tobacco use, maintaining good eating habits, and
managing or losing weight.
When you’re doing well on your own, we can still help
with a variety of self-service resources to help you
better understand your condition and overcome
barriers to better health.
•
•
•
A tool to help you understand your condition and make
more informed treatment decisions.
Articles and podcast on hundreds of health tops.
Online programs with email campaigns to help you with
lifestyle issues like stress, weight and tobacco use,
depression and anxiety and living with a medical
condition.
You decide when what we have works for you.
1.800.Cigna24 or www.myCIGNA.com
38
YOUR OPTIONS
overview of medical, dental
and vision plans
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2015 Cigna
39
Planning for Medical Expenses- Cigna Open Access Plus
In Network
Out of Network
Single
Family
Single
Family
Deductible
$1,000
$2,000
$2,000
$4,000
Out-of-pocket maximum
$6,350
$12,700
$10,000
$20,000
Coinsurance
100%
70%
PCP Office Visit Copay
$25
$25
70% after the deductible
70% after the deductible
Specialist Visit Copay
$50
$50
70% after the deductible
70% after the deductible
100%
100%
Not Covered
Not covered
Preventive Services
In Patient Services
100% after deductible
70% after deductible
Out Patient Services
100% after deductible
70% after deductible
Urgent Care Facility
$75 per visit (copay waived if admitted)
Emergency Room
$150 per visit (copay waived if admitted)
Prescription Drugs (Retail
30 day supply)
Generic: You pay $10
Preferred Brand: You pay $30
Non-Preferred Brand: You pay $50
Prescription Drugs (Cigna
mail-order 90 day supply)
Generic: You pay $20
Preferred Brand: You pay $60
Non-Preferred Brand: You pay $100
*If you choose to receive care outside of your plan’s network, only covered expenses will be applied to your deductible, subject to your plan’s Maximum Reimbursable
Charge provisions. See enrollment materials for more information about costs & details about covered and non-covered services, including plan exclusions and limitations.
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2015 Cigna
40
Medical Insurance
Cigna
Weekly Rates
Cigna
Monthly Rates
Employee Only
$25.39
Employee Only
$110.00
Employee+ Spouse
$168.46
Employee+ Spouse
$730.00
Employee+Child(ren)
$115.38
Employee+Child(ren)
$500.00
Family
$255.00
Family
$1,105.00
Planning for Dental Expenses – Cigna Dental PPO
Plan Design
Calendar Year Maximum
(Class I, II, III Expenses)
Total Cigna DPPO
Out of Network
$1000 Class I Applies
$1000 Class I Applies
$50
$150
$50
$150
Class I Expenses- Preventive &
Diagnostic Care
(oral exams, cleanings & x-rays)
100%, No Deductible
100%, No Deductible
Class II Expenses – Basic Restorative
Care
(fillings, extractions, sealants,
endodontics & periodontics)
80%, After Deductible
80%, After Deductible
50%, After Deductible
50%, After Deductible
Class IV Expenses- Orthodontia
50%, No Ortho Deductible
$1000
50%, No Ortho Deductible
$1000
Dental Plan Reimbursement Levels
Based on contracted fees
90th Percentile
Calendar Year Deductible*
Per Individual
Per Family
Class III Expenses- Major Restorative
Care
(bridges, crowns & dentures)
*If you choose to receive care outside of your plan’s network, only covered expenses will be applied to your deductible – subject to your plan’s
Maximum Reimbursable Charge provisions. See your enrollment materials for more information about costs and details about covered
and non-covered services, including plan exclusions and limitations.
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2015 Cigna
42
Dental Insurance
Cigna
Employee Only
Weekly Rates
Monthly Rates
Employee Only
$37.73
Employee+ Spouse
$77.26
Employee+ Child(ren) $17.52
Employee+Child(ren)
$75.92
Family
Family
$120.69
Employee+ Spouse
$8.71
Cigna
$17.83
$27.85
Note: If the charge for dental treatment is
expected to exceed $500, you should ask
your dentist to submit a dental treatment
plan to the Cigna claims department before
treatment begins.
Planning for Vision Expenses – Cigna Vision PPO
.
Cigna Vision
Schedule of Vision Coverage
In-Network
Benefit
Out of Network
Benefit
Frequency
Period
$20
N/A
12 months
Covered 100% after
$20 Copay
Up to $45
12 months
Eyeglass Lenses Allowances:
(one pair per frequency period)
Single Vision
Lined Bifocal
Lined Trifocal
Lenticular
Covered 100% after Copay
Covered 100% after Copay
Covered 100% after Copay
Covered 100% after Copay
Up to $32
Up to $55
Up to $65
Up to $80
12 months
12 months
12 months
12 months
Contact Lenses Allowances:
(one pair or single purchase per
frequency period)
Elective
Therapeutic
$130
Covered 100%
Up to $105
Up to $210
12 months
12 months
Up to $130
Up to $71
24 months
Exam Copay
Exam Allowance (once per
frequency period)
Materials Copay
Frame Retail Allowance
(one per frequency period)
** Your Frequency Period begins on January 1 (Calendar year basis)
This chart shows the amounts you’ll pay for covered services after your plan deductible has been met. Health benefit plans vary, but in general to be eligible for coverage
a drug must be approved by the Food and Drug Administration (FDA), prescribed by a health care professional, purchased from a licensed pharmacy and medically
necessary. Refer to your plan documents for costs and complete details of your plan's prescription drug coverage.
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2015 Cigna
44
Routine Vision Insurance
Cigna
Weekly Rates
Cigna
Monthly Rates
Employee Only
$1.18
Employee Only
$5.10
Employee+ Spouse
$2.24
Employee+ Spouse
$9.69
Employee+Child(ren)
$2.35
Employee+Child(ren)
$10.20
Family
$3.46
Family
$14.99
HOW IT WORKS
the claims process
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2015 Cigna
46
The claims process
Visit in-network
doctor/hospital/
facility.
Show Cigna ID card.
Pay copay or
coinsurance* as
required.
You get an
explanation of benefits,
or “EOB,” (your receipt)
from Cigna.
* If a coinsurance applies, it is not paid at the time of service and is billed to you or charged to an HSA/HRA after the claim is processed and the EOB is issued.
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2015 Cigna
47
Tracking your claims
Explanation of benefits (EOB)
• Clearly shows how and when claims were
paid, and by which plan and/or account(s)
• Available in print or online at myCigna.com
• You choose if you would like EOBs mailed
to your home or go paperless and receive
email alerts after each claim is processed
and posted to myCigna.com
Doctor’s fee
Cigna discount
Amount billed
Amount paid to doctor
What you saved
What you owe
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2015 Cigna
48
Important Information
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2015 Cigna
49
Enrollment checklist.
This is one of the most important decisions you’ll make this year. This checklist will
help you choose wisely:
• Login to our enrollment system (Selerix) to either enroll-in OR opt-out of each
offered benefit.
• Your benefit elections must be submitted by November 23, 2015.
Please Note:
• Think about your health history and health care needs. How much do you
spend, on average, for health care? How might that change in the upcoming
year?
• Check the online directory on Cigna.com to see if your doctor participates in the
Cigna network.
• Review your Summary of Benefits for specific plan details.
• Call the Pre Enrollment Hotline for subsequent questions.
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2015 Cigna
50
Customer Service Steps
1. After January 1, 2016, go to www.mycigna.com to set up your personal account.
2. For Lincoln Financial, www.lfg.com to set up your personal account.
3. For Lincoln Financial, you can also call 1-800-423-2765 with any questions.
4. If you are not able to obtain the answers by calling 1-800 CIGNA24, the 24/7/365
customer service line or www.cigna.com, you can call insurance consultant, Turner
Wood and Smith or email them at:
• Megan Hulsey
678-928-6725
[email protected]
• Tiffany Gillespie
678-928-6712
[email protected]
• Angela Puckett
[email protected]
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Q&A
how can we help you?
thank you for choosing Cigna and Lincoln Financial!
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Rates will vary by plan design including the amount of plan deductibles, coinsurance, and out-of-pocket and lifetime maximums.
All health insurance policies and health benefit plans have exclusions and limitations. For costs and details of coverage, see your enrollment materials. The information in this
presentation summarizes the highlights of your plan. For a complete list of both covered and not covered services, including benefits required by your state, see your
employer’s group insurance certificate, summary plan description or group service agreement – the official plan documents. If there are any differences between the
information in this presentation and the plan documents, the information in the plan documents takes precedence.
“Cigna,” the “Tree of Life” logo, “TheraCare” and “Healthy Rewards” are registered service marks, and “Together, all the way.” and “Cigna Home Delivery Pharmacy” are
service marks, of Cigna Intellectual Property, Inc., licensed for use by Cigna Corporation and its operating subsidiaries. All products and services are provided by or through
such operating subsidiaries and not by Cigna Corporation. Such operating subsidiaries include Cigna Health and Life Insurance Company (CHLIC), Connecticut General Life
Insurance Company (CGLIC), Tel-Drug, Inc., Tel-Drug of Pennsylvania, L.L.C., Cigna Onsite Health, LLC, Cigna Behavioral Health, Inc., Cigna Health Management, Inc., and
HMO or service company subsidiaries of Cigna Health Corporation, including Cigna HealthCare of Arizona, Inc., Cigna HealthCare of California, Inc., Cigna HealthCare of
Colorado, Inc., Cigna HealthCare of Connecticut, Inc., Cigna HealthCare of Florida, Inc., Cigna HealthCare of Georgia, Inc., Cigna HealthCare of Illinois, Inc. (IL & IN), Cigna
HealthCare of Indiana, Inc., Cigna HealthCare of St. Louis, Inc. (MO, KS & IL), Cigna HealthCare of North Carolina, Inc., Cigna HealthCare of New Jersey, Inc., Cigna
HealthCare of South Carolina, Inc., Cigna HealthCare of Tennessee, Inc. (TN & MS), and Cigna HealthCare of Texas, Inc. “Cigna Home Delivery Pharmacy” refers to TelDrug, Inc. and Tel-Drug of Pennsylvania, L.L.C. In Texas, Open Access Plus and LocalPlus plans are considered Preferred Provider plans with certain managed care features
and Open Access Plus IN and LocalPlus IN plans are considered Exclusive Provider plans with certain managed care features. OK Policy Forms: HP-APP-1 et al (CHLIC);
GM6000 C1 et al(CGLIC).
06/15 © 2015 Cigna. Some content provided under license.
862431a
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2015 Cigna
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