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What is a Network? US Mainland Employees
A network is a group of providers Medical and Prescription
your plan contracts with at
discounted rates . You will almost
always pay less when you receive Drug Benefits
care in-network .
DAWSON offers a robust medical insurance program to our employees.
If you choose to see an out-of- We partner with Cigna to offer a choice of ive different medical plans.
network provider, you may be
balance billed, which means you Plan Highlights
will be responsible for charges
above Cigna’s reimbursement You have the option of choosing one of ive plans access the Cigna
amount . Open Access Plus provider network. All ive medical plans cover 100%
of all preventive care that meet the ACA requirements and without a
copayment requirement. The HDHP 1 medical plan covers all listed
generic preventive prescriptions at 100%; you are not required to meet
Important Insurance the calendar year deductible. Our plans offer coverage for most healthcare
Terms services.
X Deductible: the amount of When you receive care in-network you beneit from our negotiated
money you are responsible for
paying up-front before your discounts with Cigna. While you and your covered family members are
plan shares your costs encouraged to select a Primary Care Physician (PCP), you are not required
to designate a PCP for any of the ive medical plan options. Nor are you
X Coinsurance: the percentage required to obtain a referral from your PCP in order to seek services from
you and the plan pay; in
our plans, you pay a smaller a specialist.
percentage and the plan pays
a larger percentage As shown on the following pages, each of the ive medical plans
have varied deductibles, out-of-pocket maximums, coinsurance, and
X Copay: a fixed amount for copayments. The HDHP 1 plan requires that you must meet your
certain services you pay in deductible for all non-preventive medical and prescription services prior
some of our plans
to any coverage from the plan. You will receive the value of Cigna’s OAP
X Out-of-pocket maximum: the Access Plus and pharmacy discounts on all services that apply to your
limit on your expenses; once deductible.
you reach this limit, the plan
covers all eligible expenses for The medical plans with the higher deductibles cost you less out of
the remainder of the plan year
your paycheck. Please make sure you do not “over insure” yourself for
coverage with a lower deductible without considering the additional per
pay period cost to you for electing this richer plan. DAWSON’s 2019
New Hire Presentation provides access to a cost analysis tool to assist in
making the most cost effective medical plan decision.
6 2019 Benefits Guide
A network is a group of providers Medical and Prescription
your plan contracts with at
discounted rates . You will almost
always pay less when you receive Drug Benefits
care in-network .
DAWSON offers a robust medical insurance program to our employees.
If you choose to see an out-of- We partner with Cigna to offer a choice of ive different medical plans.
network provider, you may be
balance billed, which means you Plan Highlights
will be responsible for charges
above Cigna’s reimbursement You have the option of choosing one of ive plans access the Cigna
amount . Open Access Plus provider network. All ive medical plans cover 100%
of all preventive care that meet the ACA requirements and without a
copayment requirement. The HDHP 1 medical plan covers all listed
generic preventive prescriptions at 100%; you are not required to meet
Important Insurance the calendar year deductible. Our plans offer coverage for most healthcare
Terms services.
X Deductible: the amount of When you receive care in-network you beneit from our negotiated
money you are responsible for
paying up-front before your discounts with Cigna. While you and your covered family members are
plan shares your costs encouraged to select a Primary Care Physician (PCP), you are not required
to designate a PCP for any of the ive medical plan options. Nor are you
X Coinsurance: the percentage required to obtain a referral from your PCP in order to seek services from
you and the plan pay; in
our plans, you pay a smaller a specialist.
percentage and the plan pays
a larger percentage As shown on the following pages, each of the ive medical plans
have varied deductibles, out-of-pocket maximums, coinsurance, and
X Copay: a fixed amount for copayments. The HDHP 1 plan requires that you must meet your
certain services you pay in deductible for all non-preventive medical and prescription services prior
some of our plans
to any coverage from the plan. You will receive the value of Cigna’s OAP
X Out-of-pocket maximum: the Access Plus and pharmacy discounts on all services that apply to your
limit on your expenses; once deductible.
you reach this limit, the plan
covers all eligible expenses for The medical plans with the higher deductibles cost you less out of
the remainder of the plan year
your paycheck. Please make sure you do not “over insure” yourself for
coverage with a lower deductible without considering the additional per
pay period cost to you for electing this richer plan. DAWSON’s 2019
New Hire Presentation provides access to a cost analysis tool to assist in
making the most cost effective medical plan decision.
6 2019 Benefits Guide
