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Benefits

Medical Insurance

Cigna | PPO Medical Plan
The Cigna Preferred Provider Organization (PPO) plan allows you to direct your own care. If you receive care from a physician who
is a member of the network, a greater percentage of the entire cost will be paid by the insurance plan, however, you are not
limited to the physicians within the network and you may self-refer to specialists. If you obtain services using a non‐network
provider, please note that you will be responsible for the difference between the covered amount and the actual charges, and you
may be responsible for filing claims.

Cigna | HSA Medical Plan
With the HSA plan through Cigna, you can pay for qualified healthcare expenses now and grow your savings for future healthcare
needs. This plan combines a High Deductible Health Plan (HDHP) with a special, tax-qualified savings account (HSA). Each month,
Research Affiliates will make contributions toward your HSA account. In addition to the company contributions, you can contribute
tax-free money to your HSA up to IRS maximums. The money in your account is yours to pay for current healthcare expenses - or
you can save toward future healthcare expenses. Similar to the PPO plan, you have the freedom to choose your doctor without the
requirement of selecting a PCP and you may self-refer to specialists. You may use a network provider whose negotiated rates
provide richer levels of benefits with claim forms filed by the providers. You may also obtain services using a non-network provider;
however, you will be responsible for the difference between the covered amount and the actual charges and you may be
responsible for filing claims. For additional information on how the HSA plan works, please see page 8 of this guide.

Finding a Medical Provider
Go to MyCigna.com or if not enrolled, www.cigna.com and click on “Find a Doctor” at the top of the page.
Click on “Plans offered through your employer or school”. Enter the geographic location you want to search
and when selecting the plan, refer to the “Open Access Plus, OA Plus, Choice Fund OA Plus” network option.
(The network that is used for both plans is the Open Access Plus Network). Choose what you’re looking for:
doctors or places to receive medical care. Enter a name, specialty or other search word. Click “Search” to see
your results or call (866) 494-2111 for additional assistance.

Helpful Hint: If you are currently enrolled in the Cigna medical plan, you should register as a member in
MyCigna.com for immediate results specific to the plan you are enrolled under.

Cigna Telehealth
Cigna provides access to telehealth services as part of your medical plan through AmWell and MDLIVE. With Telehealth services,
you have access to board-certified doctors via secure video chat or phone, without leaving your home or office. AmWell and
MDLive are both quality national telehealth providers, so you can choose your care confidently.
To Get Started
• AmWell: Go to www.amwellforcigna.com or call (855) 667-9722.
• MDLIVE: Go to www.mdliveforcigna.com or call (888) 726-3171

Cigna One Guide
Get exclusive, personalized support in the palm of your hand. Your Cigna mobile app just got an upgrade, thanks to the Cigna One
Guide Service. Fully integrated search tools, claims dashboard, custom health team, proactive messages and digital ID cards.
Download and log into the myCigna app today. In addition to the click-to-chat feature, personal guides are also available by
phone (866) 494-2111.

Summary of Benefits and Coverage (SBC)
Health insurance issuers and group health plans are required to provide you with an easy-to-understand summary about your
health plan’s benefits and coverage, referred to as a Summary of Benefits and Coverage (SBC). This guide is designed to help you
understand the medical plan options offered to you by Research Affiliates. Please refer to the SBC and carrier contracts provided
by Cigna for additional plan details.

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