Page 5 - Guide
P. 5
Medical
Fontbonne offers its eligible employees the choice between two different Out-of-Network Benefits
medical plans—the premium plan and HSA plan. While both plans When you obtain services “out-
cover the same types of medical services, each provides coverage at a of-the-network,” Cigna still shares
different level (copay or deductible and coinsurance) and requires you to the cost for eligible services,
contribute a different amount per pay period toward the premium. As but you as the member will be
an eligible employee, you are encouraged to weigh these considerations responsible for paying a greater
when choosing the plan which best meets your needs. Please refer to the share of the cost. Non-network
Medical Plan Summary pages of this guidebook for speciic information providers are only reimbursed up
about your plan options. to the applicable allowance. Also
note a higher annual deductible
Plan Overviews and Options and a higher coinsurance payment
In-Network Benefits applies to all eligible medical and
When you obtain services “in the network,” you cost-share with Cigna most supplemental services out-of-
to pay for eligible expenses; Cigna reimburses both your primary care network.
physician and participating specialists at the allowances identiied in On both the premium and HSA
your plan summaries on a fee-for-service basis. In-network treatment is plans, once you reach your out-of-
encouraged whenever possible to take advantage of the deepest discounts pocket maximum, the plan pays
and highest beneit levels. 100% of the appropriate allowance
for eligible services for the rest of
the year.
Note—deductions for medical
premiums are taken on a
pre-tax basis.
5
Fontbonne offers its eligible employees the choice between two different Out-of-Network Benefits
medical plans—the premium plan and HSA plan. While both plans When you obtain services “out-
cover the same types of medical services, each provides coverage at a of-the-network,” Cigna still shares
different level (copay or deductible and coinsurance) and requires you to the cost for eligible services,
contribute a different amount per pay period toward the premium. As but you as the member will be
an eligible employee, you are encouraged to weigh these considerations responsible for paying a greater
when choosing the plan which best meets your needs. Please refer to the share of the cost. Non-network
Medical Plan Summary pages of this guidebook for speciic information providers are only reimbursed up
about your plan options. to the applicable allowance. Also
note a higher annual deductible
Plan Overviews and Options and a higher coinsurance payment
In-Network Benefits applies to all eligible medical and
When you obtain services “in the network,” you cost-share with Cigna most supplemental services out-of-
to pay for eligible expenses; Cigna reimburses both your primary care network.
physician and participating specialists at the allowances identiied in On both the premium and HSA
your plan summaries on a fee-for-service basis. In-network treatment is plans, once you reach your out-of-
encouraged whenever possible to take advantage of the deepest discounts pocket maximum, the plan pays
and highest beneit levels. 100% of the appropriate allowance
for eligible services for the rest of
the year.
Note—deductions for medical
premiums are taken on a
pre-tax basis.
5
