Page 5 - 2018 Fontbonne Benefit Guide
P. 5
Fontbonne University
Medical
For the 2018 plan year, Fontbonne continues to offer its eligible Out-of-Network Benefits
employees the choice between two different medical plans—the Premium When you obtain services “out-
plan and HSA plan. While both plans cover the same types of medical of-the-network,” Cigna still shares
services, each provides coverage at a different level (copay or deductible the cost for eligible services,
and coinsurance) and requires you to contribute a different amount but you as the member will be
per pay period toward the premium. As an eligible employee, you are responsible for paying a greater
encouraged to weigh these considerations when choosing the plan which share of the cost. Non-network
best meets your needs. Please refer to the Medical Plan Summary pages providers are only reimbursed up
of this guidebook for speciic information about your plan options. to the applicable allowance. Also
note a higher annual deductible
Plan Overviews and Options and a higher coinsurance payment
In-Network Benefits applies to all eligible medical and
When you obtain services “in the network,” you cost-share with Cigna most supplemental services out-of-
to pay for eligible expenses; Cigna reimburses both your primary care network.
physician and participating specialists at the allowances identiied in On both the premium and HSA
your plan summaries on a fee-for-service basis. In-network treatment is plans, once you reach your out-of-
encouraged whenever possible to take advantage of the deepest discounts pocket maximum, the plan pays
and highest beneit levels. 100% of the appropriate allowance
for eligible services for the rest of
the year.
Note—deductions for medical
premiums are taken on a
pre-tax basis.
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Medical
For the 2018 plan year, Fontbonne continues to offer its eligible Out-of-Network Benefits
employees the choice between two different medical plans—the Premium When you obtain services “out-
plan and HSA plan. While both plans cover the same types of medical of-the-network,” Cigna still shares
services, each provides coverage at a different level (copay or deductible the cost for eligible services,
and coinsurance) and requires you to contribute a different amount but you as the member will be
per pay period toward the premium. As an eligible employee, you are responsible for paying a greater
encouraged to weigh these considerations when choosing the plan which share of the cost. Non-network
best meets your needs. Please refer to the Medical Plan Summary pages providers are only reimbursed up
of this guidebook for speciic information about your plan options. to the applicable allowance. Also
note a higher annual deductible
Plan Overviews and Options and a higher coinsurance payment
In-Network Benefits applies to all eligible medical and
When you obtain services “in the network,” you cost-share with Cigna most supplemental services out-of-
to pay for eligible expenses; Cigna reimburses both your primary care network.
physician and participating specialists at the allowances identiied in On both the premium and HSA
your plan summaries on a fee-for-service basis. In-network treatment is plans, once you reach your out-of-
encouraged whenever possible to take advantage of the deepest discounts pocket maximum, the plan pays
and highest beneit levels. 100% of the appropriate allowance
for eligible services for the rest of
the year.
Note—deductions for medical
premiums are taken on a
pre-tax basis.
5
