Page 9 - United Capital EE Guide 04-18 PFE

MEDICAL INSURANCE CIGNA’S VALUE-ADDED PROGRAMS

HOW THE HEALTH SAVINGS ACCOUNT (HSA) WORKS CIGNA | HEALTHY REWARDS CIGNA | IDENTITY THEFT
The opportunity to establish and contribute to a Health Savings Account is available when you elect Cigna’s Healthy Rewards provides discounts of up to 60% on Identity Theft occurs when someone uses your personal
the HSA medical plan option. It’s like a personal, tax-free savings account for health care expenses various wellness programs and services, ranging from weight identifying information, like your name, Social Security number,
that earns interest. Any unused money rolls over from year to year. management and nutrition, to vision and hearing care, and or credit card number, without your permission, to commit
tobacco cessation. You and your family members can enjoy instant fraud or other crimes. Cigna’s Identity Theft Program provides
In 2018, The PFE Group will make the following annual savings when you visit a participating provider or shop online. you with access to personal case managers who give step-by-
HSA contributions into your account (with portions EXAMPLES OF step assistance and guidance to you if you’ve had your identity
funded each pay period): ELIGIBLE HSA EXPENSES stolen. This program provides valuable prevention, detection and
z Employee: $1,500 CIGNA | HEALTHY BABIES resolution services, including 24/7 real-time support no matter
z Family: $3,000 To support you through your pregnancy, Cigna offers the Healthy where you are in the world.
• Providers (Doctors, Specialists, Nurses) Babies program. You’ll get information to help you learn about
• Prescription Drugs
In addition to The PFE Group’s contribution, you • Inpatient Hospital Services pregnancy and babies, 24/7 telephone access to a health advocate,
may elect to make additional contributions into • Laboratory & X-Ray and support from a registered nurse case manager if you or your CIGNA | CIGNASURRANCE
your account. Total contributions including The PFE MEDICAL • Emergency Services baby have special health care needs. This program provides free and confidential financial, bereavement,
Group’s can not exceed IRS maximums: • Acupuncture / Chiropractic and legal support for your loved ones in the event of your death
z Employee: $3,450 CIGNA | WILL PREPARATION while you are still actively employed with the company. Your
z Family: $6,850 Cigna’s Will Preparation Program helps you and your family to beneficiary(s) will get two free face-to-face counseling sessions
z Catch-up if you are 55 years of age or older: • Providers (Dentists, Specialists, plan and protect your financial future by using a simple, online with a local Cigna Behavioral Health network therapist and
$1,000 telephonic counseling, legal and financial services as needed.
Orthodontists) tool. The tool allows you to build state-specific customized wills This program also includes access to a Cignassurance account
• Teeth Cleaning and other legal documents such as last wills, living wills and
The portion of your paycheck that you contribute DENTAL • Dental Treatment power of attorneys. Cigna’s Will Center is secure, easy-to-use and – a free, interest-bearing account to keep your proceeds over
to your HSA will be taken out before you pay federal • Orthodontia available to you and your covered spouse seven days a week, $5,000 in a safe place while you deal with more pressing issues.
income taxes, Social Security taxes and most state 365 days a year. .
taxes (excluding state taxes in AL, CA and NJ). CIGNA | MY SECURE ADVANTAGE
Any contributions you make can be increased or My Secure Advantage (MSA) is a financial wellness program that
decreased over the course of the year. • Providers (Optometrists, CIGNA | SECURE TRAVEL
Ophthalmologists) offers solutions to all types of personal financial challenges that
• Exams Cigna Secure Travel provides special assistance for emergency may occur due to a covered disability. Once your disability claim
You can decide how to manage your money. The • Glasses medical, financial, legal and communication assistance when you is approved, you and members of your household can work
money in your HSA is yours to save and spend on VISION • Contact Lenses travel. This program will provide you as a covered individual, access with a Money Coach for 90 days at no additional cost to you.
eligible health care expenses whenever you need it, • Lasik Surgery to a travel assistance customer service center from anywhere in Plus, you’ll have access to the MSA website and your own web
whether in this plan year or in future plan years. You the world when traveling at least 100 miles from home. Cigna portal where you can communicate with your coach, upload
can use the funds in your account to pay tax-free Secure Travel customer service is available 24 hours a day, 365 and share documents, view financial forums and webinars, and
for qualifying out-of-pocket Medical, Dental and days a year wherever you are in the world. In an emergency, you access financial information.
Vision expenses such as deductibles, coinsurance can even call collect.
and copays. • COBRA
• Long-Term Care
PREMIUMS • Medicare
Your account balance earns interest and the unused
balance rolls-over from year to year. The money is ACCESSING CIGNA’S VALUE-ADDED PROGRAMS:
yours to keep even if you leave The PFE Group, no • Healthy Rewards: Go to www.cigna.com/rewards (password: savings) or call (800) 258-3312.
longer participate in a high deductible health plan (like • Healthy Babies: Call the number on your Cigna ID card.
the HSA plan), or retire. You may continue to make EXAMPLES OF • Will Preparation: Go to www.cignawillcenter.com.
contributions to your HSA if you enroll in another INELIGIBLE HSA EXPENSES • Cigna Secure Travel: Call (888) 226-4567 inside the US or (202) 331-7635 outside of the US (call collect).
qualified high deductible health plan, or elect COBRA • Identity Theft: Call (888) 226-4567 inside the US or (202) 331-7635 outside of the US.
continuation coverage of your HSA coverage if your Ineligible HSA expenses include expenses that are not medical or • Cignassurance: Call (800) 570-3778.
employment terminates. health related as well as cosmetic surgery.
• My Secure Advantage: Go to www.mysecureadvantage.com or call (888) 724-2326.

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