Page 4 - 2018 Metropolitan Development Enrollment
P. 4
Important Terms Medical and Prescription
X Deductible—the amount you Drug Coverage—Cigna
pay toward medical and dental
expenses each year before the For many of us, nothing is more important than our health and the
plan begins paying beneits
health of our family members. This is why we offer a robust medical
X Copayment—a lat fee you and pharmacy insurance program to our employees. We partner with
pay for medical services and Cigna to offer this coverage and provide all medical plan enrollees with
prescription drugs
a Metropolitan Development and Housing Agency-funded Health
X Coinsurance—the percentage Reimbursement Account (HRA) to help defray medical deductible
of the medical or dental charges expenses.
you pay after you have paid the
deductible
Medical Plan Highlights
X Out-of-pocket limit—the X All preventive medical care is covered at 100 percent
total amount an employee or
dependent pays out-of-pocket in X All non-preventive medical services are covered as shown on page 7
a given calendar year; once this
maximum has been reached the Find an In-Network Provider
plan pays 100 percent of eligible Metropolitan Development and Housing Agency accesses Cigna’s Open
expenses, including prescription
drugs, for the remainder of the Access Plus (OAP) Network. When you choose to visit in-network
plan year providers you’ll receive the deepest level of discount on your services.
You will also have the most cost protection from your plan. This is
X Premium—the amount an
employee pays for beneit because our in-network providers have agreed to charge negotiated rates.
coverage To ind an in-network provider near you, visit www.mycigna.com and
search for providers in the OAP network. If you receive non-emergency
X Network—group of doctors or
hospitals who agree to negotiated care from a provider who does not participate in Cigna’s OAP network,
rates with a health insurance the services will be considered out-of-network. If you decide to go to an
company out-of-network provider, there are beneits available; however, you will
pay more out of your pocket for care.
4 2018 Benefits Enrollment
X Deductible—the amount you Drug Coverage—Cigna
pay toward medical and dental
expenses each year before the For many of us, nothing is more important than our health and the
plan begins paying beneits
health of our family members. This is why we offer a robust medical
X Copayment—a lat fee you and pharmacy insurance program to our employees. We partner with
pay for medical services and Cigna to offer this coverage and provide all medical plan enrollees with
prescription drugs
a Metropolitan Development and Housing Agency-funded Health
X Coinsurance—the percentage Reimbursement Account (HRA) to help defray medical deductible
of the medical or dental charges expenses.
you pay after you have paid the
deductible
Medical Plan Highlights
X Out-of-pocket limit—the X All preventive medical care is covered at 100 percent
total amount an employee or
dependent pays out-of-pocket in X All non-preventive medical services are covered as shown on page 7
a given calendar year; once this
maximum has been reached the Find an In-Network Provider
plan pays 100 percent of eligible Metropolitan Development and Housing Agency accesses Cigna’s Open
expenses, including prescription
drugs, for the remainder of the Access Plus (OAP) Network. When you choose to visit in-network
plan year providers you’ll receive the deepest level of discount on your services.
You will also have the most cost protection from your plan. This is
X Premium—the amount an
employee pays for beneit because our in-network providers have agreed to charge negotiated rates.
coverage To ind an in-network provider near you, visit www.mycigna.com and
search for providers in the OAP network. If you receive non-emergency
X Network—group of doctors or
hospitals who agree to negotiated care from a provider who does not participate in Cigna’s OAP network,
rates with a health insurance the services will be considered out-of-network. If you decide to go to an
company out-of-network provider, there are beneits available; however, you will
pay more out of your pocket for care.
4 2018 Benefits Enrollment
