Page 7 - Volcom Benefit Summary 2018 CA

HMO Medical Plan
With the Cigna Health Maintenance Organization (HMO) plan, you must
choose a Primary Care Physician (PCP) or medical group. 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.
HSA PPO Medical Plan

The Health Savings Account (HSA) plan through Cigna combines a high
deductible PPO health plan (HDHP) with a special, tax-qualified savings
account. You may use your HSA funds to pay for current medical expenses
such as deductibles, copays and coinsurance or save toward future medical
expenses. This plan works like the PPO plan by allowing you the freedom
to go in and outside of the network for care. Volcom will contribute $750
to individual and $1,500 to family bank accounts to be used towards the
deductible. You have the opportunity to contribute a combined maximum
of $3,450 for the individual and $6,900 for the family in 2018, and $3,500
for the individual and $7,000 for the family in 2019.

PPO Buy-Up Medical Plan
With the Cigna Preferred Provider Organization (PPO) plan, you are not
limited to the physicians within the PPO network and you may self-refer to
specialists. If you receive care from a physician who is a member of the PPO
network, a greater percentage of the entire cost will be paid by the insurance
plan. 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.

Understanding your benefits can get confusing. Here are
a couple quick videos to help you learn the basics of how
our medical plans work.
Deductibles, Copays, Coinsurance, and
Out-of-Pocket Maximums
http://video.burnhambenefits.com/terms/

High Deductible Health Plans and Health
Savings Accounts
http://video.burnhambenefits.com/hdhp/

H FINDING A MEDICAL PROVIDER:
•
HMO: Go to www.cigna.com or call (800) 244-6224. Refer to the “Cigna HealthCare of
California, Inc. - So. CA HMO/Network” medical plan when prompted.
• HSA PPO: Go to www.cigna.com or call (800) 244-6224. Refer to the “Open Access Plus,
OA Plus, Choice Fund OA Plus” medical plan when prompted.
• PPO Buy-Up: Go to www.cigna.com or call (800) 244-6224. Refer to the “Open Access
Plus, OA Plus, Choice Fund OA Plus” medical plan when prompted.

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