Medical & Dental Plan Information
Review of employee medical and dental payroll contribution rates
Beginning on January 1, 2013 both your medical and dental plans will be provided through CIGNA
ID Cards: If you are a member of the CIGNA Dental Plan your medical and vision ID number will be the same as your current Dental ID number. If you sign up for both the CIGNA medical and dental plans you will be receiving three ID cards one each for the medical, dental and preventive vision care plans. Each medical plan participant receives their own ID card. For the dental and vision plans you will receive two cards per household. If you need additional cards you need to call CIGNA to request them at 1-800-244-6224.
Medical Plan Information
For 2013 CIGNA’S HMO style plan, called the CIGNA Open Access Plus In Network Plan or OAPin, is the less expensive plan. CIGNA’S POS 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.
- If you are currently in the Aetna HMO the election that will be carried forward into 2013 is the OAPin.
- If you are currently in the Aetna POS the election that will be carried forward into 2013 is the more expensive OAP.
If you are currently in the lower cost Aetna POS and want to remain in the lower cost plan with CIGNA, you will need to change your election to the OAPin (HMO style plan) 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 2013 provide the benefit details for each of the health plan options in place for 2013. 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 2013.
- HMO=>Open Access Plus in-network only (OAPin) Detailed Benefit Summary
- POS=>Open Access Plus (OAP) Detailed Benefit Summary
Links to additional CIGNA information and resources
- CIGNA guide to preventive services
- CIGNA health resources
- CIGNA mail order pharmacy
- CIGNA prescription drug listing
- Listing of common brand name drugs that are in a different tier than Aetna
- CIGNA OAP Q&A
- CIGNA OAPin Q&A
- CIGNA www.mycigna.com personal confidential web account flier
Instructions for making changes
Dental Plan Information
Dental Plan Summary
Overview of what is covered under the dental plan
CIGNA Dental Additional Programs and Services
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 11-3-12.
Instructions for making changes
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.