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: You should have already received new ID cards if you participate in either the Bates medical plan or dental plan. Please make sure you present your new card to all healthcare or dental care providers including pharmacies when receiving services in 2013.
Medical Plan: You should have received a card with each individual’s name on it for the medical plan. You should have also received two CIGNA vision cards with only your name on it. These can be used for any covered dependent. The vision card is only for your annual preventive eye exam.
Dental Plan: You should have received two cards with only your name on them. These can be used for any covered dependent. If you need additional cards you need to call CIGNA to request them at 1-800-244-6224 or order through your myCigna.com account..
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.
- 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
- CIGNA OAPin Q&A
- CIGNA OAP Q&A
Prescription Drug Information:
- CIGNA mail order pharmacy
- CIGNA prescription drug listing
- Listing of common brand name drugs that are in a different tier than Aetna
- Free Preventive Medications
Links to additional CIGNA preventive health and wellness information and resources
- CIGNA www.mycigna.com personal confidential web account flier
- CIGNA guide to preventive service
- 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 11-3-12.
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 routine eye visit provider directory
- Vision care provider directory