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Cigna Choice Fund HSA Plan
Health Savings Account
Upon enrollment in the Cigna Choice Fund HSA Plan, you will receive a health plan insurance card from Cigna within 7-10 business days. You will present your insurance card when you obtain medical care or fill a prescription for claim processing purposes.
In addition, an HSA will be opened with the initial contribution from MAA and maintained on your behalf through HSABank. You will receive a Cigna Choice Fund Health debit card and welcome kit from HSABank. You can use this card to pay for eligible out-of-pocket expenses at the time of service or after.
You decide how and when to use the money in your HSA, up to the amount available in your account. You can use your HSA debit card to pay for qualified medical , dental and vision expenses at the time of service or upon receipt of a bill from a provider. You can also save the money in your HSA to use for future qualified expenses, like retirement. You won’t need to submit documentation to substantiate the charges made to your HSA debit card, but it’s impor tant to keep your receipts for all expenses paid from your HSA for tax and recordkeeping purposes. When you obtain medical care or fill a prescription, a claim is submitted to Cigna. With the exception of Preventive Care , you will pay 100% of the cost of medical care and prescription drugs, at the time of service or your provider will bill you directly, until you meet your Deductible . Once you meet your Deductible , you will pay a por tion of your covered expenses and the plan will pay the rest ( Coinsurance ) until you reach your Out- of-Pocket Maximum . 1. Cigna processes your claim based on the covered expenses and negotiated discounts from in-network providers (if applicable), and applies your Deductible or Coinsurance that you are responsible for. 2. If there are funds available in your HSA, you decide whether or not to use the funds to pay all or a por tion of the qualified expenses that you are responsible for, including amounts applied to your Deductible and Coinsurance . If there are no funds available in your HSA, you must use another form of payment to pay the provider the amount that you are responsible for. 3 . Cigna provides an explanation of Benefits (EOB) to you and the provider outlining the details of your claim, including the amount paid to the provider by your plan and any amounts applied to your Deductible and Coinsurance that you are responsible for. 4 . Information regarding your HSA, health care claims and benefits are available on myCigna.com or by calling Cigna at (800) 244-6224. 5 .
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