2025 SPD for CIGNA HSA Plan

Uniformed Services Employment and Re-Employment Rights Act of 1994 (USERRA) .................................... 67 Appointment of Authorized Representative.......................................................................................................... 67 Medical - When You Have a Complaint or an Appeal ......................................................................................... 68 COBRA Continuation Rights Under Federal Law................................................................................................ 70 ERISA Required Information ............................................................................................................................... 73 Definitions .....................................................................................................................................75 What You Should Know About Cigna Choice Fund ® – Health Savings Account..................87

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