www.myCigna.com www.myCigna.com provides fast, reliable and personalized information and services, including: • Online access to your current account balance, past transactions and claim status, as well as your Explanation of Benefits and health statements. • Medical cost and drug cost information, including cost estimates specific to you and your plan. • Frequently asked questions about health care in general and Cigna Choice Fund specifically. • A number of convenient, helpful tools that let you: Compare costs Use tools to compare costs and help you decide where to get care. You can compare out-of pocket estimates, specific to your coverage plan, for actual treatment, procedures and costs. Find out more about your local hospitals Learn how hospitals rank by number of procedures performed, patients’ average length of stay, and cost. Go to our online healthcare professional directory for average costs for certain procedures, including total charges and your out-of-pocket expense, based on your Cigna plan. You can also find hospitals that earn the Centers of Excellence designation based on effectiveness in treating selected procedures/conditions and cost. Get the facts about your medication, cost, treatment options and side effects Use the pharmacy tools to: check your prescription drug costs, listed by specific pharmacy and location (including Cigna Home Delivery Pharmacy); and review your claims history for the past 16 months. Look at condition-specific drug treatments and compare characteristics of more than 200 common medications. Evaluate up to 10 medications at once to better understand side effects, drug interactions and alternatives. Take control of your health Take the health risk assessment, an online questionnaire that can help you identify and monitor your health status. You can learn about preventive care and check your progress toward healthy goals. And if your results show that you may benefit from other services, you can learn about related Cigna programs on the same site. Explore topics on medicine, health and wellness Get information on more than 5,000 health conditions, health and wellness, first aid and medical exams through Healthwise ® Medical Encyclopedia, an interactive library.
If you leave the plan or your employer, the account stays behind. Which services are covered by my Health Reimbursement Account? According to federal law, HRA funds can be used to cover only qualified medical expenses for you and your dependents. However, your employer may choose not to allow coverage for certain qualified expenses. Please refer to www.myCigna.com for information on the services for which your HRA funds may be used. Which services are covered by my medical plan, and which will I have to pay out of my own pocket? Covered services vary depending on your plan, so visit www.myCigna.com or check your plan materials in this booklet for specific information. In addition to your premiums deducted from your paycheck, you’ll be responsible for paying: • Costs for any services needed after you’ve spent your health fund, if you haven’t met your deductible. • Your coinsurance or copayments after you meet the deductible and your medical plan coverage begins. If all of your medical expenses are covered services and the total cost doesn’t exceed the amount in your HRA, you may not have additional out-of-pocket costs. Unused money may be available to you if you enroll in the plan again the following year. Check with your employer, call Cigna, or log into www.myCigna.com to see if this option is available to you. Are services covered if I use out-of-network doctors? You can visit any licensed doctor or facility. However, if you choose a doctor who participates with Cigna, your costs will be lower. Tools and Resources at Your Fingertips Cigna Healthy Awards Account If your employer offers a Healthy Awards Account, take advantage of certain Cigna incentive award programs, and earn extra award dollars toward your health care expenses, all for taking charge of your health. To encourage healthy lifestyles and wellness, your employer will deposit the incentive rewards into your health account upon completion of each activity. Your employer may limit how often you can earn awards. For details on these programs you can log into www.myCigna.com, or call Cigna 24/7/365. Always consult with your doctor before beginning or changing your treatment plan or exercise routines.
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