Page 6 - Dawson 2022 Benefits Guide
P. 6
6 DAWSON
MEDICAL AND PRESCRIPTION
DRUG BENEFITS
US MAINLAND EMPLOYEES
DAWSON offers a robust medical insurance program to our ’ohana. 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 with ac - As shown on the following pages, each of the three medical
cess to the Cigna provider network. All three medical plans plans have different deductibles, out-of-pocket maximums,
are Open Access Plus (OAP) provider plans, allowing you to coinsurance, and copayments. The HDHP requires that you
choose your healthcare provider, and cover 100% of all pre- must meet your deductible for all non-preventive medical
ventive care without a copayment requirement. Our plans and prescription services prior to any coverage from the
offer coverage for most healthcare services. We offer two plan. You will receive the value of Cigna’s OAP and pharma-
Preferred Provider Organization (PPO) plans and one High cy discounts on all services that apply to your deductible.
Deductible Health Plan (HDHP) - see the chart on page 9
for the details of each plan. The medical plans with the higher deductibles cost you less
out of your paycheck. Please make sure you do not “over
When you receive in-network care, you benefit from Cig- insure” yourself for coverage with a lower deductible with-
na’s negotiated discounts. While you and your covered out considering the additional per-pay-period cost to you
family members are encouraged to select a primary care for electing a richer plan. A link is available on DAWSON’s
provider (PCP), you are not required to designate a PCP for ADP home page with a cost analysis tool to assist in mak-
any of the three medical plan options. Nor are you required ing the most cost-effective medical plan decision (or visit
to obtain a referral from your PCP in order to seek services the Benefits page on DAWSON Connect and click on Plan
from a specialist. Cost Calculator).
What is a Network? Important Insurance Terms
A network is a group of providers your plan • Deductible: the amount of money you
contracts with at discounted rates. You will are responsible for paying before your
almost always pay less when you receive in- plan shares your costs
network care. DAWSON enrollees have access • Coinsurance: the percentage you and
to the Cigna Open Access Plus (OAP) network. the plan pay; in our plans, you pay a
smaller percentage and our plan pays
If you choose to see an out-of-network provider, a larger percentage
you will be responsible for charges above Cigna’s • Copay: a fixed amount for certain services
reimbursement amount.
you pay in some of our plans
• Out-of-pocket maximum: the limit on
your expenses; once you reach this limit,
the plans cover all eligible expenses
for the remainder of the plan year
MEDICAL AND PRESCRIPTION
DRUG BENEFITS
US MAINLAND EMPLOYEES
DAWSON offers a robust medical insurance program to our ’ohana. 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 with ac - As shown on the following pages, each of the three medical
cess to the Cigna provider network. All three medical plans plans have different deductibles, out-of-pocket maximums,
are Open Access Plus (OAP) provider plans, allowing you to coinsurance, and copayments. The HDHP requires that you
choose your healthcare provider, and cover 100% of all pre- must meet your deductible for all non-preventive medical
ventive care without a copayment requirement. Our plans and prescription services prior to any coverage from the
offer coverage for most healthcare services. We offer two plan. You will receive the value of Cigna’s OAP and pharma-
Preferred Provider Organization (PPO) plans and one High cy discounts on all services that apply to your deductible.
Deductible Health Plan (HDHP) - see the chart on page 9
for the details of each plan. The medical plans with the higher deductibles cost you less
out of your paycheck. Please make sure you do not “over
When you receive in-network care, you benefit from Cig- insure” yourself for coverage with a lower deductible with-
na’s negotiated discounts. While you and your covered out considering the additional per-pay-period cost to you
family members are encouraged to select a primary care for electing a richer plan. A link is available on DAWSON’s
provider (PCP), you are not required to designate a PCP for ADP home page with a cost analysis tool to assist in mak-
any of the three medical plan options. Nor are you required ing the most cost-effective medical plan decision (or visit
to obtain a referral from your PCP in order to seek services the Benefits page on DAWSON Connect and click on Plan
from a specialist. Cost Calculator).
What is a Network? Important Insurance Terms
A network is a group of providers your plan • Deductible: the amount of money you
contracts with at discounted rates. You will are responsible for paying before your
almost always pay less when you receive in- plan shares your costs
network care. DAWSON enrollees have access • Coinsurance: the percentage you and
to the Cigna Open Access Plus (OAP) network. the plan pay; in our plans, you pay a
smaller percentage and our plan pays
If you choose to see an out-of-network provider, a larger percentage
you will be responsible for charges above Cigna’s • Copay: a fixed amount for certain services
reimbursement amount.
you pay in some of our plans
• Out-of-pocket maximum: the limit on
your expenses; once you reach this limit,
the plans cover all eligible expenses
for the remainder of the plan year
