Medical & Dental Plan Information
CIGNA will continue to provide both our medical and dental plans in 2014.
Effective January 1, 2014 no one newly opting out of the medical or dental plans will receive an opt out credit. An employee newly opting out would still need to show proof of other coverage. Employees who opted out in 2013 will continue to receive an opt out credit if they continue to opt out.
You will receive new ID cards only if you make a change in your coverage. If you need additional medical or dental ID cards you need to call CIGNA to request them at 1-800-244-6224. If you need an additional vision card please call CIGNA at 1-877-478-7557.
Medical Plan Information
For 2014 CIGNA’S HMO style plan, called the CIGNA Open Access Plus In Network Plan or OAPin, is the less expensive plan. CIGNA’S PPO style plan, the CIGNA Open Access Plus Plan or OAP, is the more expensive plan. The difference between the plans is that the OAP provides payment for out-of-network providers and is therefore the more expensive plan.
You have the opportunity to switch from one plan to the other during annual enrollment.
- Brief side-by-side CIGNA medical plan comparison (more detailed summaries attached below)
Summary of Benefits and Coverage (SBC):
Required by the federal government, the SBC provides a high-level overview of the major provisions of Bates’ health coverage through Cigna, including definitions of terms used within your plan (i.e., deductible, coinsurance, copay, etc.) and examples of your out-of-pocket expenses. Due to regulations imposed by the federal government related to the length and the information that must be included in the SBC documents, the information provided is at a very high level and Is not inclusive of all the coverage provisions under the plans.
CIGNA detail Summary of Benefits:
The CIGNA summaries for 2014 provide the benefit details for each of the health plan options in place for 2014. The summaries provide more extensive detail related to the plan provisions than that which could be included in the SBC documents (due to restrictions imposed by the federal government). Please note that the plan summaries are not intended to be exhaustive documents of the plan provisions, but rather overviews of the plans in place for 2014.
- Open Access Plus in-network only (OAPin) Detailed Benefit Summary
- Open Access Plus (OAP) Detailed Benefit Summary
- CIGNA OAPin Q&A
- CIGNA OAP Q&A
Prescription Drug Information
Links to additional CIGNA information and resources
- CIGNA www.mycigna.com personal confidential web account flier
- CIGNA guide to preventive services
- Information on Women’s Preventive Health Services
- Information on Men’s Preventive Health Services
- CIGNA health resources
- CIGNA’s Lifestyle Management Programs – online and by telephone
- Facts about the flu
- Flu vaccine participating pharmacies
Dental Plan Information
Dental Plan Summary
Overview of what is covered under the dental plan
CIGNA Network Dentist Directory: If you choose a network dentist you can be assured you will not be balance billed. If you go to a non-network dentist coverage is paid at the 90th percentile of charges for that zip code area (same as our past plans with Aetna and Anthem). This directory was printed on 10-25-13.
CIGNA preventive Vision Care Plan
CIGNA has eye doctors in their medical network that will treat medical conditions of the eye. However, CIGNA’s preventive Vision Care Plan that provides for your annual vision exam is separate from the Medical Plan and you will receive a separate ID Card. Below is a summary of the vision care plan and a directory of participating providers in Maine.
- Preventive vision care plan summary
- Where to find the current preventive eye visit provider directory
- Vision care provider directory