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Benefits




         Value-Added Programs


         Health Advocate
         Health  Advocate  is  a  program  that  provides  you  with  experienced  help  when  dealing  with  benefit  related  issues.  Their  team
         includes highly trained registered nurses, backed by a staff of medical directors and administrative experts. When you call Health
         Advocate for assistance you are assigned a Personal Health Advocate who takes responsibility for helping you to resolve problems.
         Here are a few of the ways that they help:
         •   They help you get your claims and/or billing issues resolved.
         •   They help you get answers to your medical questions about test results, treatment plans, and medications recommended by
            your doctor.
         •   They work with our insurance carriers to help obtain appropriate approval for services when necessary.
         •   They assist in communications between your doctors and the insurance companies.
         •   They help you locate and contact the best doctors, dentists, and treatment facilities in your networks.
         •   They share unbiased health information when you need to make an informed decision about your care.

         Their years of experience make it easy. You need to make only one call or send an e-mail and your personal health advocate will:
         •   Act quickly and effectively on your behalf.
         •   Protect your privacy and keep information strictly confidential.
         •   Find the best answers.
         •   Make any necessary follow-up arrangements.


                       Contacting Health Advocate
                       If you need assistance dealing with benefit-related issues, you can speak directly with a highly trained
                       registered nurse by calling (866) 799-2725 or you can send an email to answers@healthadvocate.com

         Cigna | Secure Travel
         Cigna Secure Travel provides special assistance for emergency medical, financial, legal and communication assistance when you
         travel. This program will provide you as a covered individual, access to a travel assistance customer service center from anywhere
         in the world when traveling at least 100 miles from home. Cigna Secure Travel customer service is available 24 hours a day, 365
         days a year wherever you are in the world. In an emergency, you can even call collect.

         Cigna | Will Preparation Services
         Cigna’s Will Preparation Program helps you and your family to plan and protect your financial future by using a simple, online tool.
         The tool allows you to build state-specific customized wills and other legal documents such as last wills, living wills and power of
         attorneys. Cigna’s Will Center is secure, easy-to-use and available to you and your covered spouse seven days a week, 365 days a
         year.

         Cigna | CIGNAssurance
         This program provides free and confidential financial, bereavement, and legal support for your loved ones in the event of your
         death while you are still actively employed with the company. Your beneficiary(s) will get free face-to-face counseling sessions with
         a local Cigna Behavioral Health network therapist and telephonic counseling, legal and financial services as needed. This program
         also includes access to a CIGNAssurance account – a free, interest-bearing account to keep your proceeds over $5,000 in a safe
         place while your family deal with more pressing issues.


                        Accessing Cigna’s Value-Added Programs
                        •   Cigna Secure Travel: Call (888) 226-4567 (US & Canada), (202) 331-7635 (outside the US, call collect), or
                           email cigna@europassistance-usa.com.
                        •   Will Preparation: Go to www.cignawillcenter.com or call (800) 901-7534.
                        •   CIGNAssurance: Go to www.cignassurance.com.




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