Medical Plan FAQ
No. The Bronze plan offers in-network benefits only.
If I want to confirm that my medical provider is in-network, what Cigna network should I make sure that my provider participates in?
You should confirm that your provider participates in the Cigna Open Access Plus (OAP) network. You may check their participation by registering or logging in to www.myCigna.com, then click “Find a Doctor.”
My spouse is over 65 years old and eligible for Medicare Part B. Does this count as a competing employer plan and thus incur a spousal premium surcharge?
No. If your spouse has coverage through Medicare you will not incur a spousal surcharge.
Yes. If your spouse is covered by Medicare, you can still open an HSA. If you elect “Associate Only" coverage under the Gold or Silver plan, you will be eligible to receive the full company seed of up to $500 (up to $250 automatic initial seed and up to $250 earned Wellness Incentive). If you elect “Associate + Spouse/Domestic Partner,” “Associate + Child(ren)” or “Associate + Family” coverage under the Gold or Silver plan, you will be eligible to receive the full company seed of up to $1,000 ($500 automatic initial seed and $500 earned Wellness Incentive). If you elect “Associate Only” coverage under the Bronze plan, you will be eligible to receive up to a $250 earned Wellness Incentive. If you elect “Associate + Spouse/Domestic Partner,” “Associate + Child(ren)” or “Associate + Family” coverage under the Bronze plan, you will be eligible to receive up to a $500 earned Wellness Incentive if both you and your spouse/domestic partner complete the eligibility requirements. If only one of you completes the eligibility requirements, you can still earn up to a $250 Wellness Incentive.
Click here to view a list of preventive services.
At the time of care, you will need to provide your Cigna ID card to confirm coverage. The provider should then submit your claim expense to Cigna so the negotiated discount may be applied. Only after Cigna processes the claim would you generally be responsible for making payment to your provider based on your Explanation of Benefits and your bill. This applies for in-network providers only. Out-of-network providers may require payment at time of service since network discounts do not apply.
Once your Cigna coverage begins (e.g., 1/1/2019), you can log into www.myCigna.com and search for providers and services. myCigna provides tools that let you compare the out-of-pocket costs of identical services at different providers before you receive the services.
No. All medical services are subject to a deductible and coinsurance.
To get the best benefit, you should ask whether your provider participates in the “Cigna Open Access Plus” network. It is not sufficient to ask only if they “take” Cigna since most providers accept Cigna insurance, but they may not be considered “in-network” providers. You can also search for in-network providers online at www.myCigna.com.