Page 5 - 2016 Enrollment
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Medical
Coverage, choice, and convenience are important factors to consider Out-of-Network Benefits
when selecting a medical plan. For the 2016 plan year, Fontbonne When you obtain services “out-
continues to offer its eligible employees the choice between two different of-the-network,” Cigna still shares
medical plans—the Premium Plan and HSA Plan. While the available the cost for eligible services,
plans both cover the same types of medical services, each provides but you as the member will be
coverage at a different level (copay or deductible and coinsurance) and responsible for paying a greater
requires you to contribute a different amount per pay period toward the share of the cost. Non-network
premium. As an eligible employee, you are encouraged to weigh these providers are only reimbursed up
considerations when choosing the plan that best meets your needs. Please to the applicable allowance. Also
refer to the Medical Plan Summary pages of this Guidebook for speciic note a higher annual deductible
information about your plan options. and a higher coinsurance payment
applies to all eligible medical and
Plan Overviews and Options most supplemental services out-of-
In-Network Benefits network.
When you obtain services “in the network”, you cost-share with Cigna On both the premium and HSA
to pay for eligible expenses; Cigna reimburses both your Primary Care plans, once you reach your out-of-
Physician and participating Specialists at the allowances identiied in pocket maximum, the plan pays
your plan summaries on a fee-for-service basis. In-network treatment is 100 percent of the appropriate
encouraged whenever possible to take advantage of the deepest discounts allowance for eligible services for
and highest beneit levels. the rest of the year.
NOTE—Deductions for medical
premiums are taken on a
pre-tax basis.
2016 Employee Benefits Guide
Medical
Coverage, choice, and convenience are important factors to consider Out-of-Network Benefits
when selecting a medical plan. For the 2016 plan year, Fontbonne When you obtain services “out-
continues to offer its eligible employees the choice between two different of-the-network,” Cigna still shares
medical plans—the Premium Plan and HSA Plan. While the available the cost for eligible services,
plans both cover the same types of medical services, each provides but you as the member will be
coverage at a different level (copay or deductible and coinsurance) and responsible for paying a greater
requires you to contribute a different amount per pay period toward the share of the cost. Non-network
premium. As an eligible employee, you are encouraged to weigh these providers are only reimbursed up
considerations when choosing the plan that best meets your needs. Please to the applicable allowance. Also
refer to the Medical Plan Summary pages of this Guidebook for speciic note a higher annual deductible
information about your plan options. and a higher coinsurance payment
applies to all eligible medical and
Plan Overviews and Options most supplemental services out-of-
In-Network Benefits network.
When you obtain services “in the network”, you cost-share with Cigna On both the premium and HSA
to pay for eligible expenses; Cigna reimburses both your Primary Care plans, once you reach your out-of-
Physician and participating Specialists at the allowances identiied in pocket maximum, the plan pays
your plan summaries on a fee-for-service basis. In-network treatment is 100 percent of the appropriate
encouraged whenever possible to take advantage of the deepest discounts allowance for eligible services for
and highest beneit levels. the rest of the year.
NOTE—Deductions for medical
premiums are taken on a
pre-tax basis.
2016 Employee Benefits Guide
