Page 6 - Dawson 2021 New Hire Guide
P. 6
DAWSON
US Mainland Employees
Medical and Prescription Drug Benefits
DAWSON offers a robust medical insurance program to our employees. We partner with Cigna to offer a choice of
three different medical plans.
Plan Highlights
You have the option of choosing one of three plans As shown on the following pages, each of the three
with access to the Cigna provider network. All three medical plans have different deductibles, out-of-pocket
medical plans are Open Access Plus provider plans, maximums, coinsurance, and copayments. The HDHP
allowing you to choose your healthcare provider, and plan requires that you must meet your deductible for
cover 100% of all preventive care without a copayment all non-preventive medical and prescription services
requirement. The HDHP medical plan covers all listed prior to any coverage from the plan. You will receive
generic preventive prescriptions at 100% without a the value of Cigna’s OAP Access Plus and pharmacy
requirement to meet the calendar year deductible. Our discounts on all services that apply to your deductible.
plans offer coverage for most healthcare services.
The medical plans with the higher deductibles cost you
When you receive care in-network you beneit from less out of your paycheck. Please make sure you do
Cigna’s negotiated discounts. While you and your not “over insure” yourself for coverage with a lower
covered family members are encouraged to select a deductible without considering the additional per pay
primary care physician (PCP), you are not required period cost to you for electing a richer plan. A link will
to designate a PCP for any of the three medical plan be available on DAWSON’s ADP home page with a
options. Nor are you required to obtain a referral from cost analysis tool to assist in making the most cost-
your PCP in order to seek services from a specialist. effective medical plan decision.
What is a Network? Important Insurance Terms
A network is a group of providers your plan contracts with Deductible: the amount of money you are responsible
at discounted rates. You will almost always pay less when for paying before your plan shares your costs
you receive care in-network. DAWSON accesses the Cigna Coinsurance: the percentage you and the plan pay; in
OAP Plus network. our plans, you pay a smaller percentage and the plan
pays a larger percentage
If you choose to see an out-of-network provider, you may
be balance billed, which means you will be responsible for Copay: a ixed amount for certain services you pay in
charges above Cigna’s reimbursement amount. some of our plans
Out-of-pocket maximum: the limit on your
expenses; once you reach this limit, the plan covers all
eligible expenses for the remainder of the plan year
6
US Mainland Employees
Medical and Prescription Drug Benefits
DAWSON offers a robust medical insurance program to our employees. We partner with Cigna to offer a choice of
three different medical plans.
Plan Highlights
You have the option of choosing one of three plans As shown on the following pages, each of the three
with access to the Cigna provider network. All three medical plans have different deductibles, out-of-pocket
medical plans are Open Access Plus provider plans, maximums, coinsurance, and copayments. The HDHP
allowing you to choose your healthcare provider, and plan requires that you must meet your deductible for
cover 100% of all preventive care without a copayment all non-preventive medical and prescription services
requirement. The HDHP medical plan covers all listed prior to any coverage from the plan. You will receive
generic preventive prescriptions at 100% without a the value of Cigna’s OAP Access Plus and pharmacy
requirement to meet the calendar year deductible. Our discounts on all services that apply to your deductible.
plans offer coverage for most healthcare services.
The medical plans with the higher deductibles cost you
When you receive care in-network you beneit from less out of your paycheck. Please make sure you do
Cigna’s negotiated discounts. While you and your not “over insure” yourself for coverage with a lower
covered family members are encouraged to select a deductible without considering the additional per pay
primary care physician (PCP), you are not required period cost to you for electing a richer plan. A link will
to designate a PCP for any of the three medical plan be available on DAWSON’s ADP home page with a
options. Nor are you required to obtain a referral from cost analysis tool to assist in making the most cost-
your PCP in order to seek services from a specialist. effective medical plan decision.
What is a Network? Important Insurance Terms
A network is a group of providers your plan contracts with Deductible: the amount of money you are responsible
at discounted rates. You will almost always pay less when for paying before your plan shares your costs
you receive care in-network. DAWSON accesses the Cigna Coinsurance: the percentage you and the plan pay; in
OAP Plus network. our plans, you pay a smaller percentage and the plan
pays a larger percentage
If you choose to see an out-of-network provider, you may
be balance billed, which means you will be responsible for Copay: a ixed amount for certain services you pay in
charges above Cigna’s reimbursement amount. some of our plans
Out-of-pocket maximum: the limit on your
expenses; once you reach this limit, the plan covers all
eligible expenses for the remainder of the plan year
6
