Page 6 - Dawson
P. 6
What is a Network? US Mainland Employees
A network is a group of Medical and Prescription
providers your plan contracts
with at discounted rates. You Drug Benefits
will almost always pay less when
you receive care in-network. DAWSON offers a robust medical insurance program to our employees.
DAWSON accesses the Cigna We partner with Cigna to offer a choice of ive different medical plans.
OAP Plus network.
If you choose to see an out- Plan Highlights
of-network provider, you You have the option of choosing one of three plans access the Cigna
may be balance billed, which Open Access Plus provider network. All three medical plans cover
means you will be responsible
for charges above Cigna’s 100% of all preventive care that meet the ACA requirements and
reimbursement amount. without a copayment requirement. The HDHP medical plan covers all
listed generic preventive prescriptions at 100%; you are not required to
Important Insurance meet the calendar year deductible. Our plans offer coverage for most
healthcare services.
Terms
X Deductible: the amount of When you receive care in-network you beneit from our negotiated
money you are responsible for discounts with Cigna. While you and your covered family members are
paying up-front before your encouraged to select a Primary Care Physician (PCP), you are not required
plan shares your costs to designate a PCP for any of the three 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 a specialist.
our plans, you pay a smaller
percentage and the plan pays a As shown on the following pages, each of the three medical plans
larger percentage have varied deductibles, out-of-pocket maximums, coinsurance, and
X Copay: a ixed amount for copayments. The HDHP plan requires that you must meet your
certain services you pay in some deductible for all non-preventive medical and prescription services prior
of our plans to any coverage from the plan. You will receive the value of Cigna’s
OAP Access Plus and pharmacy discounts on all services that apply to
X Out-of-pocket maximum:
the limit on your expenses; your deductible.
once you reach this limit, the
plan covers all eligible expenses The medical plans with the higher deductibles cost you less out of
for the remainder of the your paycheck. Please make sure you do not “over insure” yourself for
plan year coverage with a lower deductible without considering the additional per
pay period cost to you for electing this richer plan. DAWSON’s 2020
New Hire Presentation provides access to a cost analysis tool to assist in
making the most cost effective medical plan decision.
6 2020 Benefits Guide
A network is a group of Medical and Prescription
providers your plan contracts
with at discounted rates. You Drug Benefits
will almost always pay less when
you receive care in-network. DAWSON offers a robust medical insurance program to our employees.
DAWSON accesses the Cigna We partner with Cigna to offer a choice of ive different medical plans.
OAP Plus network.
If you choose to see an out- Plan Highlights
of-network provider, you You have the option of choosing one of three plans access the Cigna
may be balance billed, which Open Access Plus provider network. All three medical plans cover
means you will be responsible
for charges above Cigna’s 100% of all preventive care that meet the ACA requirements and
reimbursement amount. without a copayment requirement. The HDHP medical plan covers all
listed generic preventive prescriptions at 100%; you are not required to
Important Insurance meet the calendar year deductible. Our plans offer coverage for most
healthcare services.
Terms
X Deductible: the amount of When you receive care in-network you beneit from our negotiated
money you are responsible for discounts with Cigna. While you and your covered family members are
paying up-front before your encouraged to select a Primary Care Physician (PCP), you are not required
plan shares your costs to designate a PCP for any of the three 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 a specialist.
our plans, you pay a smaller
percentage and the plan pays a As shown on the following pages, each of the three medical plans
larger percentage have varied deductibles, out-of-pocket maximums, coinsurance, and
X Copay: a ixed amount for copayments. The HDHP plan requires that you must meet your
certain services you pay in some deductible for all non-preventive medical and prescription services prior
of our plans to any coverage from the plan. You will receive the value of Cigna’s
OAP Access Plus and pharmacy discounts on all services that apply to
X Out-of-pocket maximum:
the limit on your expenses; your deductible.
once you reach this limit, the
plan covers all eligible expenses The medical plans with the higher deductibles cost you less out of
for the remainder of the your paycheck. Please make sure you do not “over insure” yourself for
plan year coverage with a lower deductible without considering the additional per
pay period cost to you for electing this richer plan. DAWSON’s 2020
New Hire Presentation provides access to a cost analysis tool to assist in
making the most cost effective medical plan decision.
6 2020 Benefits Guide
