2025 SPD for CIGNA HRA Plan

BENEFIT HIGHLIGHTS

IN-NETWORK

OUT-OF-NETWORK

Advanced Cellular Therapy Includes prior authorized advanced cellular therapy products and related services when Medically Necessary. Advanced Cellular Therapy Product

80% after plan deductible 80% after plan deductible 80% after plan deductible 80% after plan deductible

In-Network coverage only In-Network coverage only In-Network coverage only In-Network coverage only In-Network coverage only

Inpatient Facility Outpatient Facility Physician’s Services

Advanced Cellular Therapy Travel Maximum: $10,000 per episode of advanced cellular therapy (Available only for travel when prior authorized to receive advanced cellular therapy from a provider located more than 60 miles of your primary residence and is contracted with Cigna for the specific advanced cellular therapy product and related services.)

No charge

Maternity Care Services Initial Visit to Confirm Pregnancy

No charge after the $30 PCP or $40 Specialist per office visit copay

50% of the Maximum Reimbursable Charge after plan deductible

Note: OB/GYN providers will be considered either as a PCP or Specialist, depending on how the provider contracts with the Insurance Company. All subsequent Prenatal Visits, Postnatal Visits and Physician’s Delivery Charges (i.e. global maternity fee) Physician’s Office Visits in addition to the global maternity fee when performed by an OB/GYN or Specialist Delivery - Facility (Inpatient Hospital, Birthing Center)

80% after plan deductible

50% of the Maximum Reimbursable Charge after plan deductible

No charge after the $30 PCP or $40 Specialist per office visit copay

50% of the Maximum Reimbursable Charge after plan deductible

80% after plan deductible

50% of the Maximum Reimbursable Charge after plan deductible

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