Tools & Support We help you keep track with online benefits information, transactions, and account activity; medical and drug cost comparisons; monthly statements; and more. You also have toll-free access to dedicated Customer Service teams, specially trained to answer your questions and address your needs. Customer Service is available 24 hours a day, 7 days a week, every day of the year! Savings on Health and Wellness Products and Services Through Cigna Healthy Rewards ® , you can save money on a variety of health-related products and services. Offerings include laser vision correction, acupuncture, chiropractic care, weight loss programs, fitness club and equipment discounts and more. Opportunity to earn funds for future use If your employer offers the Cigna Healthy Future Account ® , you can earn funds to cover qualified expenses for future use, such as retirement. All or a portion of unused HRA funds at the end of each plan year will transfer to this account until you meet the eligibility requirements (such as retirement, reaching age 65, or accumulating a certain number of years of service with your employer). Once you reach your qualifying event, you may then use the Healthy Future Account to pay yourself back for certain expenses defined by your employer. See your benefits administrator for more details. The Basics How does it work? The Cigna Choice Fund Health Reimbursement Account combines medical coverage with a reimbursement account that includes contributions from your employer. 1. Employer contribution: Your employer deposits a specific amount of money in a health account to help you pay for some of the costs of covered medical expenses. The health services you receive and where you get them are up to you. The health care costs paid from your HRA typically include your copayments and costs that count toward your coinsurance and deductible (an annual amount you’ll pay before the health plan begins to pay for covered health care costs), reducing your share. 2. Your share: Once you’ve used the money in your health account, you pay your expenses up to the deductible. 3. Your health plan: After your deductible is met, you pay pre-determined coinsurance or copayments for eligible expenses and the plan pays the rest. When you meet your out-of-pocket maximum (the most you can pay in a plan year), your plan pays eligible expenses at 100%. If you leave the plan or your employer, the account stays behind.
What You Should Know About Cigna Choice Fund ® – Health Reimbursement Account Cigna Choice Fund is designed to give you: Control More control over how your health care dollars are spent. The health services you get and where you get them are up to you. Choice You have the freedom to choose any licensed doctor. However, your costs will be lower for services from Cigna contracted health care professionals because they have agreed to accept discounted payments to help you make the most of your health care dollars. Flexibility Flexibility to help you proactively manage your health and maximize your plan coverage. By using our cost and quality tools to find a higher quality and more cost effective doctor, lab or facility, you can reduce the costs that are paid out of your HRA. And if you don’t use all of the money in your health reimbursement account, some or all of the unused money may be added to your account for the following year, as long as you stay in the plan. Ask your employer, call Cigna, or log into www.myCigna.com to find out if your HRA limits the amount that can roll over to the next year. Your plan covers medical care when you’re sick, but also includes coverage for preventive care services to help keep you well. Your preventive care is covered at 100% in- network; therefore no HRA funds will need to be used for these services. Preventive health coverage is one of the most important benefits of your health plan. Getting the right preventive services at the right time can help you stay healthy by preventing diseases or by detecting a health problem at a stage that may be easier to treat. Make sure you take advantage of your fully covered in-network preventive care coverage. Log in to www.myCigna.com and read the Preventive Care Quick Reference Guide under the Review My Medical Coverage section. Health Information and Education Is it late at night, and you’re not sure if you should go to the Emergency Room for an injury or just wait until your doctor is available the next day? Just call the toll-free number on your ID card to reach Cigna's 24-Hour Health Information Line. You’ll have access to trained nurses who can help! You also have access to an audio library of health topics 24 hours a day. In addition, the Cigna Healthy Pregnancies, Healthy Babies® program provides prenatal education and support for mothers- to-be.
78
myCigna.com
Made with FlippingBook Publishing Software