Page 4 - 2018 Endeavor Schools Benefit Guide

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Staying Healthy With

Medical Coverage

Nothing is more important than your health. That is why Please see page 8 for more details on how to locate a
Endeavor Schools offers two medical plans through contracted provider that’s in the network listed above.
Cigna to help you and your family members live
healthier lives. Please review the chart on the following pages to
compare your medical plan options.
While the medical plans we offer generally cover the
same services, they differ somewhat in how care is
delivered, how much you pay when you receive care,
and how claims are paid. Your two options offered are
the following:

• Cigna Bronze Plan

• Cigna Gold Plan
For both plans you will be responsible for an annual
deductible, coinsurance for medical services and co-
payments for office visits; however, this plan gives you
the option of using in-network and/or out-of-network
providers when you need care.

Provider Network Information:
In-Network Care: When you seek medical services from
a Cigna contracted provider, you receive a higher level
of benefits. This means when you use a contracted
provider, you substantially reduce the amount you pay
out of pocket for medical services. Contracted providers
also take care of filing your claim directly with Cigna.

Out-of-Network Care: You may choose to receive care
from a non-contracted provider that is out of network,
however, you will receive a lower level of benefits. Your
benefits are based on the amount that is considered
reasonable and customary and you are responsible for
any amount above what Cigna pays (Balance Billing).
In some cases, you may have to file your own claims
directly with Cigna, or you may not have any coverage
at all.

Helpful Tip: When contacting a provider, please make
sure you always use the word “CONTRACTED.” (Please
do not use the word Accept Cigna otherwise you may
be subject to out of network billing)