Page 8 - 2022 AEO Benefit Guide

HEALTH BENEFITS

Cigna Medical

REMINDER Four Medical Plans to Choose from
AEO offers you four medical plans to choose from:
It is important to assess • Cigna Open Access Plus (PPO) Plan
your needs before deciding
which plan to use. • Cigna Open Access Plus (PPO) HRA Plan
Scan the QR code below • Cigna Health Savings Account Plan
and visit the PLANselect • Cigna Economy Health Savings Account Plan
website and answer a few
questions about how you With our medical plans, you get the appropriate care you need from the provider
and/or your family use you select. When you or a covered dependent needs medical care, you can choose
healthcare. Enter “aeo” as between two levels of health care services: In-Network or Out-of-Network.
the username and “outfitters”
as the password to access In-Network Care is care you receive from providers in the medical plan’s network,
the PLANselect tool that will which is called “Cigna Open Access Plus.”
help guide you, based on your
answers, to the most appro- Out-of-Network Care is care you receive from providers who are not in the medical plan’s
priate medical plan for you network. Even when you go outside the network, you will still be covered for eligible ser-
and your dependents. vices. However, your benefits will be paid at a lower level. You may also be responsible for
paying the difference between the provider’s actual charge and the plan’s allowed amount.

To understand the medical plans, you should understand these additional program
and coverage terms:
• COPAYMENT: The fixed, up-front dollar amount you pay for certain covered expenses.
Copayment amounts will apply toward the total maximum out of pocket.
• DEDUCTIBLE: The initial amount you must pay each benefit year for covered
services before the plan begins to provide benefits.
• COINSURANCE: The percentage of eligible expenses you and the plan share.

• TOTAL MAXIMUM OUT-OF-POCKET: The amount you pay out of your pocket for
eligible healthcare expenses before the plan begins to pay 100% for additional
eligible expenses. The out-of-pocket limit includes copayments, deductibles,
Telemedicine charges, coinsurance amounts, and prescription drug expenses.

It is important to assess your needs before deciding which plan to choose. The full cost
of coverage is more than just your per-pay contribution. Remember to ask yourself:
What are my healthcare needs?
What are my family’s healthcare needs?
If I need to use my medical coverage, how much will I pay out-of-pocket?
Refer to the plan design grid on pages 8 – 11 to choose the option that best fits your
health care needs and financial situation.

6 6 AMERICAN EAGLE OUTFITTERS, INC.