Page 7 - QSC Benefits Guide 7-18 SLO

MEDICAL INSURANCE

Option 1 - HSA PPO (Choice Fund OAP)

The Health Savings Account (HSA) plan through Cigna combines a high deductible health plan (HDHP) with a special,
tax-qualified savings account. You may use your HSA funds to pay for current medical expenses or save toward future
medical expenses. 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 PPO 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.

QSC will make an annual contribution toward your employee/family health savings account, funded biweekly. In addition to the company
contributions, you may elect to make contributions into your account up to the IRS maximums. See page 10 for additional information.

Option 2 - HMO (Full Network)
With the Cigna Health Maintenance Organization (HMO) plan, you must choose a primary care physician (PCP) or medical group
within the network. All of your care must be directed through your PCP or medical group. Any specialty care you need will be
coordinated through your PCP and will generally require a referral or authorization. You will receive benefits only if you use the
doctors, clinics, and hospitals that belong to the medical group in which you are enrolled, except in the case of an emergency.

Option 3 - PPO (OAP)
With the Preferred Provider Organization (PPO) option through Cigna, you have the freedom to choose your doctor without using
a primary care physician (PCP) and you may self-refer to specialists. Similar to the HSA plan, you may use a PPO 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.

MEDICAL PLAN OPTION COMPARISON

Plan Features HSA PPO Full HMO OAP PPO

Employee Premiums $ $$ $$$
Health Savings Account
Employer Funding P
Employee Funding P
Cost Sharing Contribution, Copay, Contribution, Copay Contribution, Copay,
Deductible, Coinsurance Deductible, Coinsurance
Network Size AAA AA AAA
In-Network Benefits P P P
Non-Network Benefits P P
Preventive Care 100% (Ded Waived) 100% 100% (Ded Waived)
(in-network)
Access to Providers Managed by You Managed by Your PCP Managed by You
Primary Care Physician Not Required Required Not Required
Referral for Specialist Not Required Required Not Required

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