Page 9 - Harvard Maintenance Executive 2022 Benefits Guide
P. 9
Calendar Year 2022
Benefits Enrollment
myCigna Resources Medical Coverage
The myCigna website, Whether you have a common cold or will be undergoing surgery,
www.myCigna.com, gives
you access to your plan medical beneits cover a range of services and can provide
information and cost savings peace of mind to help you ofset healthcare costs.
tools all in one place:
Find Doctors, Dentists,
Pharmacies, and Hospitals Your Medical Plan Options
View your plan information Medical coverage for Harvard employees and their dependents
including beneits ofered and is now ofered through Cigna. The Cigna plan is called Open
who is covered Access Plus (PPO) . You will still have the same in- and out-of-
Search for in-network network coverage . To help understand this plan, the following
providers, procedures, cost
estimates, and more pages include details concerning how it will operate, as well as
Look for a new doctor near plan highlights and features .
your home or work
Print and order ID cards Using the PPO Plan
View claims—including most
recent, historical, and claim The Open Access Plus Plan (PPO) allows you to see physicians
status both in network and out of network. You will pay a diferent
Check to see what your coinsurance to see doctors and/or hospitals outside of the
doctor billed, how much your network .
health beneits and insurance
plan paid, and what you have You do not need a referral to see a specialist; you may see
to pay
Find out how claims work any physician in network or a physician who agrees to bill
Keep Track of Healthcare out of network
Costs You do not need to select a PCP, nor do your dependents
Check what a procedure may Services may require a copay up front
cost in your area
See how much you’ve paid so If your physician does not bill the carrier directly, you may
far and how much you have submit claim forms for reimbursement if services are
left to pay medically necessary
Check the price of a drug
before you go to the Be sure to ask your physician/hospital if they are “in-
pharmacy network” to take advantage of the lower coinsurance
Download the myCigna Terms You Should Know
app to access your Deductible—amount you pay out-of-pocket for healthcare
account, view ID cards, before insurance starts to pay
and more! Coinsurance—percentage you pay for the cost of covered
healthcare services after you meet your deductible
Copay—a set dollar amount you pay for doctor visits,
prescriptions, and other healthcare services
Out-of-pocket maximum—a cap on your costs for the year
9
Benefits Enrollment
myCigna Resources Medical Coverage
The myCigna website, Whether you have a common cold or will be undergoing surgery,
www.myCigna.com, gives
you access to your plan medical beneits cover a range of services and can provide
information and cost savings peace of mind to help you ofset healthcare costs.
tools all in one place:
Find Doctors, Dentists,
Pharmacies, and Hospitals Your Medical Plan Options
View your plan information Medical coverage for Harvard employees and their dependents
including beneits ofered and is now ofered through Cigna. The Cigna plan is called Open
who is covered Access Plus (PPO) . You will still have the same in- and out-of-
Search for in-network network coverage . To help understand this plan, the following
providers, procedures, cost
estimates, and more pages include details concerning how it will operate, as well as
Look for a new doctor near plan highlights and features .
your home or work
Print and order ID cards Using the PPO Plan
View claims—including most
recent, historical, and claim The Open Access Plus Plan (PPO) allows you to see physicians
status both in network and out of network. You will pay a diferent
Check to see what your coinsurance to see doctors and/or hospitals outside of the
doctor billed, how much your network .
health beneits and insurance
plan paid, and what you have You do not need a referral to see a specialist; you may see
to pay
Find out how claims work any physician in network or a physician who agrees to bill
Keep Track of Healthcare out of network
Costs You do not need to select a PCP, nor do your dependents
Check what a procedure may Services may require a copay up front
cost in your area
See how much you’ve paid so If your physician does not bill the carrier directly, you may
far and how much you have submit claim forms for reimbursement if services are
left to pay medically necessary
Check the price of a drug
before you go to the Be sure to ask your physician/hospital if they are “in-
pharmacy network” to take advantage of the lower coinsurance
Download the myCigna Terms You Should Know
app to access your Deductible—amount you pay out-of-pocket for healthcare
account, view ID cards, before insurance starts to pay
and more! Coinsurance—percentage you pay for the cost of covered
healthcare services after you meet your deductible
Copay—a set dollar amount you pay for doctor visits,
prescriptions, and other healthcare services
Out-of-pocket maximum—a cap on your costs for the year
9
