Cigna Health and Life Insurance Company 900 Cottage Grove Road Bloomfield, Connecticut 06002
MODIFYING PROVISIONS AMENDMENT
Subscriber:
Mid-America Apartments, L.P.
Policy No.: HC111341
Amendment Effective Date: January 01, 2024
This Amendment is attached to and made part of this Policy. Its provisions are intended to conform the Policy/Certificate to the laws of the state in which the insured resides.
The Policy/Certificate is amended as follows:
Alaska residents:
This Certificate describes the benefits and basic provisions of Your coverage. It is not the insurance contract and does not waive or alter any terms of the Policy. For Alaska residents, the Alaska requirements and this Certificate will govern.
You may contact Cigna at: Cigna Health and Life Insurance Company 900 Cottage Grove Road, Bloomfield, Connecticut 06002 Telephone: 1.800.754-3207 - www.Cigna.com
1) A minimum benefit of $50 per day for Hospital Stay benefits will be payable.
2) Under the General Definitions section, the definition of Spouse has been replaced as follows:
The Employee’s current lawful Spouse. Except for purposes of determining initial eligibility, the term includes a Spouse who is widowed or divorced or legally separated from an Employee. The term includes a common-law Spouse who is recognized as a common-law Spouse under the laws of the jurisdiction where the common-law marriage was formed.
3) The Claim Provisions section, the Recovery of Overpayment provision has been modified as follows:
We have the right, upon 30 days written notice and within 365 days of the overpayment, to recover from the Covered Person or the recipient of benefits any amount that We determine to be an overpayment. The Covered Person or the recipient of benefits has the obligation to refund to Us any such amount. If benefits are overpaid on any claim, the Covered Person or the recipient of benefits must either reimburse Us within 90 days or notify us in writing that the Covered Person wishes to challenge the recovery of an overpayment. If the Covered Person challenges the recovery of an overpayment, We will notify the Covered Person in writing of our final decision within 30 days of receipt of the Covered Person’s written challenge. If reimbursement is not made in a time ly manner, We have the right to: 1. recover such overpayments from the Covered Person, any other person to or for whom payment was made, or the Covered Person’s estate; 2. reduce or offset against any future benefits payable to the Covered Person or the Covered Person’s survivors until full reimbursement is made;
3. refer the unpaid balance to a collection agency; and 4. pursue and enforce all legal and equitable rights in court.
4) Under the Administrative Provision section of the Policy, the Change in Premium Rates provision was modified to require at least 45 days advance written notice.
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