Page 30 - 2020AONBenefitGuide
P. 30
Frequently Asked Questions
1. Who are the insurance carriers?
Y Dental, life, short and long term disability, accidental death and
dismemberment (AD&D), and accident and critical illness: Cigna
Y Vision: EyeMed
Y Flexible Spending Accounts: Flores and Associates
Y Health Savings Account: Flores and Associates
Y Medical and Prescription: Blue Cross Blue Shield
2. How will I enroll or make changes?
If you are enrolling for the irst time or want to make changes to your
current elections you will use SyncHR to do so.
3. When does my health coverage begin?
New hires are eligible the irst of the month following 60 days of
employment.
4. What is a “Deductible”?
A deductible is the amount you pay for covered healthcare services
before your insurance plan starts to pay. With a $2,000 deductible,
for example, you pay the irst $2,000 of covered services yourself.
After you pay your deductible, you usually pay only a copayment or
coinsurance for covered services.
5. What is a “Copayment”?
Copayment (or “copay”) is a charge that the health insurance plan
requires you to pay in order to receive a speciic medical service or
supply. For example, your health insurance plan may require a $40
copayment for an ofice visit that costs $180 with the plan paying
$140.
6. What is “Coinsurance”?
Coinsurance is the percentage of costs of a covered healthcare
service you pay (20%, for example) after you’ve paid your deductible.
Let’s say your health insurance plan’s allowed amount for an ofice
visit is $100 and your coinsurance is 20%. If you’ve paid your
deductible: You pay 20% of $100, or $20.
7. When will I receive my insurance cards?
All cards are received around the 10th of the month coverage is in
effect. Note: Cigna does not send Dental ID cards.
30 2020 Benefits Guide
1. Who are the insurance carriers?
Y Dental, life, short and long term disability, accidental death and
dismemberment (AD&D), and accident and critical illness: Cigna
Y Vision: EyeMed
Y Flexible Spending Accounts: Flores and Associates
Y Health Savings Account: Flores and Associates
Y Medical and Prescription: Blue Cross Blue Shield
2. How will I enroll or make changes?
If you are enrolling for the irst time or want to make changes to your
current elections you will use SyncHR to do so.
3. When does my health coverage begin?
New hires are eligible the irst of the month following 60 days of
employment.
4. What is a “Deductible”?
A deductible is the amount you pay for covered healthcare services
before your insurance plan starts to pay. With a $2,000 deductible,
for example, you pay the irst $2,000 of covered services yourself.
After you pay your deductible, you usually pay only a copayment or
coinsurance for covered services.
5. What is a “Copayment”?
Copayment (or “copay”) is a charge that the health insurance plan
requires you to pay in order to receive a speciic medical service or
supply. For example, your health insurance plan may require a $40
copayment for an ofice visit that costs $180 with the plan paying
$140.
6. What is “Coinsurance”?
Coinsurance is the percentage of costs of a covered healthcare
service you pay (20%, for example) after you’ve paid your deductible.
Let’s say your health insurance plan’s allowed amount for an ofice
visit is $100 and your coinsurance is 20%. If you’ve paid your
deductible: You pay 20% of $100, or $20.
7. When will I receive my insurance cards?
All cards are received around the 10th of the month coverage is in
effect. Note: Cigna does not send Dental ID cards.
30 2020 Benefits Guide
