Page 12 - QSC Benefit Summary 7-18 COLORADO

MEDICAL INSURANCE

Medical Tips

One Guide Representatives are available to help you resolve health care issues
One Guide provides personalized assistance to help you through the complexities of the health care system by resolving
health care issues, locating in-network providers, and explaining the basics of your health coverage. Simply call (888)
806-5042 between the hours of 5:00am to 9:00pm, Monday through Friday.

Call the 24-Hour Health Information Line if you have a health question
Our Cigna medical plans include a 24-Hour Health Information Line at (800) CIGNA24. The Health Information Line
is staffed with a team of experienced registered nurses who can provide information, support and education for any
health-related question or concern.

Use Telehealth phone or video consultations
Cigna Telehealth is a national network of board-certified physicians who provide quality health care to members
through the convenience of phone or online video consultations. Cigna Telehealth physicians can diagnose, treat and
write prescriptions for routine medical conditions. If you are enrolled on the HMO or PPO plan, your member cost share
is the same as a physical office visit and your member coinsurance or deductible will be applied. If you are an HSA
PPO participant, you will pay $45 MDLive or $49 AmWell that will be applied to the deductible, and once satisfied,
you will pay the coinsurance amount.

Pharmacy Tips

Use generic and over the counter drugs when available
The best way to save on prescription drugs is to use generic or over the counter medications as opposed to brand
name medications when possible. When you use generic medications, you will pay the lowest copay.

Use the mail-order prescription drug benefit for maintenance medications
Save time and money by having your maintenance prescription medications sent directly to your home. The Cigna
Rx Home Delivery program allows you to receive a 90-day supply for only 2 copayments. For example, a generic 3
month supply at the retail pharmacy would cost you $30, but by utilizing Cigna Rx Home Delivery, your prescription
would cost you $20. That is a 33% savings!

Use the discount prescription drug programs offered at Costco, Wal-Mart, GoodRx and other retailers
You may receive a deeper discount than you would if you used our insurance plans offered through Cigna.

Online Tools

Visit www.mycigna.com to manage your health care
Compare the estimated average costs for health care services in your area. See how much you could potentially
save by choosing a doctor who participates in Cigna’s network. Also included are extras that will help you save on
products and services to promote better health and well-being such as gym memberships, savings on hearing aids,
vision supplies, fitness supplies, and weight loss programs / tools.

Page 12