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Benefits

Medical Insurance CIGNA

HMO Medical Plan (State Category 1 — See page 10)
Cigna Health Maintenance Organization (HMO) members 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 pre-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). To access chiropractic benefits, select
an American Specialty Health provider at www.ashcompanies.com.

PPO Medical Plan (All States)
Cigna Preferred Provider Organization (PPO) members have the freedom to choose a doctor without using a Primary Care Physician
(PCP) and may self-refer to specialists. You may use a PPO network provider whose negotiated rates provide richer levels of
benefits with claim forms filed by the provider. Alternatively, you may obtain services from a non‐network provider; however, you
will be responsible for the difference between the covered amount and the actual charges, must ensure necessary pre-
authorizations are obtained, and are responsible for filing claims.

Tips for Using Your Medical Benefits Wisely

Ask questions when in doubt.

Be an informed consumer. Whenever possible, get information in advance. Know what is covered, and what your out-of-
pocket costs will be. Secure any necessary pre-authorizations.

 Utilize your preventive care benefits to stay healthy.
Take advantage of important benefits like free well visits to help avoid major illness and costs in the future.

Use urgent care centers versus hospital emergency rooms whenever possible.
Frequently, patients seek the services of the hospital emergency room for ailments or injuries that could be treated more
economically, and just as effectively, at an urgent care center. You could experience greater waiting times in the ER as pa-
tients are seen in order of the medical urgency. You may also be subject to unexpected costs if your situation is considered
not to be an emergency. A good rule of thumb is emergency situations are life or limb threatening. It is not always easy to
determine when you should choose urgent care over the hospital emergency room. The following lists offer some guidance,
but are not necessarily all-inclusive.

Use generic or over the counter drugs whenever possible.
By using generic medications you'll pay the lowest copay. Generic drugs must use the same active ingredients and meet the
same quality and safety standards as the brand name version of the drug. Work with your medical provider to ensure clarity
as to when generic medication is available. Prescriptions indicated as 'dispense as written' will result in pharmacies dispensing
the specific drug per the prescription (only) even if you would prefer a less costly generic replacement.
Obtain maintenance medications as inexpensively as possible.

Cigna members may receive a 90 day supply for the cost of only 2 copays via the plan's mail-order prescription benefit.
Explore using outside companies such as Target, Walmart, etc. who often offer low cost prescription filling.

Finding a Medical Provider (cigna.com or 800-244-6224)
Refer to the following network names under “medical plans” when prompted
• HMO: “Managed Care or HMO”
• PPO: “Open Access Plus, OA plus, Choice Fund OA Plus”

Summary of Benefits and Coverage (SBC)
Group health plans are required to provide you with an easy-to-understand summary about your health plan’s benefits and
coverage, referred to as a Summary of Benefits and Coverage (SBC). This guide is designed to help you understand the medical plan
options offered to you by Bobit Business Media. Please refer to the SBC and contracts provided by Cigna for additional plan details.

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