2022 Medical
www.myCigna.com
1-877-852-6135
We offer three competitive plan options, providing for varying individual and family needs. All plans offer a top-rated national network of physicians and hospitals. Plans are embedded to limit individual expense liability and include HSA-compatible or traditional co-pay based designs.
Refer to www.mycigna.com for a listing of in-network providers.
WHO IS ELIGIBLE AND WHEN:
Active associates working a minimum of 30 hours per week, their spouse and dependent children are all eligible for coverage. Qualified Associates have up to 30 days to enroll in the plan after they become benefit eligible. Most benefit changes require a “qualifying life event” and must be identified within 30 days. Failure to do so will disqualify you from changing coverage until the next open enrollment.
Coverage in the medical plan is effective the first of the month coincident or next following the date of hire. Coverage terminates on the last day of the month coincident or next following the date in which an associate no longer meets the criteria for eligibility.
Comparing Options?
The Cigna Easy Choice Tool allows you to quickly compare plan design and pricing considerations, as well as coverage of prescription medications and network status of your preferred physicians and facilities. Click HERE for instructions.
- Answer a few questions about what you want in a plan and your family demographics
- Add in your preferred physicians, hospitals, facilities and your current prescription medications to determine network status and pharmacy costs
- Based on your answers, we’ll present the plans starting with your Best Fit, Next Best Fit and so on.
- Compare plans side-by-side to view payroll and claims costs, doctors and networks.
Looking for more?
Learn more about the cost of coverage using a variety of methods in less than three minutes! These learning bytes include an analysis of the “worst case” scenario, comparing national spending averages against each plan option, and charting your families anticipated expenses.
Associate Only Cost Comparison
Associate + Spouse Cost Comparison
Plan
|
HSA Plan In-Network Coverage |
Base OAP Plan
|
Buy Up OAP Plan
|
Deductible |
$2,800 Individual $5,600 Family |
$1,500 Individual $3,000 Family |
$750 Individual $1,500 Family |
Coinsurance |
100% | 80% | 90% |
Out of Pocket |
$2,800 Individual $5,600 Family |
$3,000 Individual $6,000 Family |
$2,500 Individual $5,000 Family |
Office Visit |
100% up to deductible, no copay |
Primary: $0 Copay Cigna Care Designated Specialist: $25 Copay Specialist: $50 Copay Urgent Care: $40 Copay |
Primary: $20 Copay Cigna Care Designated Specialist: $20 Copay Specialist: $40 Copay Urgent Care: $35 Copay |
First Stop Health – Telemedicine Consult |
Free of Charge | Free of Charge | Free of Charge |
Emergency Services |
100% up to deductible, no copay | 100% up to deductible, no copay | $250 Copay + Deductible + 10% (Copay waived if admitted) |
Preventative Services |
No deductible, no copay | No deductible, no copay | No deductible, no copay |
Outpatient / Laboratory / Facility |
100% up to deductible, no copay | Deductible + 20% | Deductible + 10% |
Prescription Drug Coverage(1 month)
|
100% up to deductible, no copay | $0 / $40 / 30% | $10 / $30 / $50 |
Mail Order Drug Coverage(3 months) |
100% up to deductible, no copay | $0 / $80 / 30% | $20 / $60 / $100 |
Specialty Drug Coverage |
100% up to deductible, no copay | 30% | 30% |
Frequently Asked Questions
FAQ - Display Set to None
New Medical cards can be ordered through your online portal at www.mycigna.com. You also have access to a mobile ID card through the MyCigna Smartphone App.
I have misplaced my Medical ID Card, how can I order a new one?
New Medical cards can be ordered through your online portal at www.mycigna.com. You also have access to a mobile ID card through the MyCigna Smartphone App.
I recently moved, how can I update my address with Cigna?
Your address can be updated directly through ADP (www.workforcenow.adp.com). After logging in you will go to “Myself” –> “My Information” -> “Profile”. From there you can update all personal information, including your address by clicking on the “View More” icon in the Personal information Section.
After you update your address in ADP, it will update with all benefit providers.
I am getting married, can I add my new spouse to my Medical election?
Getting married is considered a Qualifying Life Event (QLE). You have up to 30 days after the Qualifying Life Event to make changes to your benefit elections, including canceling your coverage, or adding your new spouse to any benefits. If you want to make any additional changes, you can do so directly through ADP.
Coverage for your spouse will begin on the first of the month coinciding with or following your marriage effective date. In order to activate the work event in ADP, we require a signed marriage license.
What is not included in the out-of-pocket limit?
Penalties for failure to obtain pre-authorization for services, premiums, balance-billed charges and other health care this plan doesn’t cover
I went to an Out of Network provider, how will I be billed?
FAQ - Display Set to None
Do I need to designate a beneficiary?
A beneficiary does not need to be designated for medical insurance. Your dependent(s) will be assumed as a beneficiary for this benefit.
Is my Domestic Partner Eligible for Medical Insurance?
Our Medical plan does not allow enrollment for girlfriends, boyfriends, siblings, domestic partners or grandchildren (unless adopted by you)
I am leaving the plan, when does my coverage end?
Coverage will end the last calendar day of the month.
When is my child no longer eligible for Medical coverage with Mariner?
Dependents are eligible to remain on our medical plan until the end of the year in which they turn 26. This includes children who are married or have employment elsewhere. Continuation of coverage under the Mariner plan can be obtained by the 26 year old dependent through COBRA.
My daughter is pregnant, is medical coverage through Mariner available for my new grandchild?
Grandchildren are only covered as qualifying dependents if you are the legal guardian. The plan does cover labor and delivery for dependent children; however, the newborn baby is not considered a qualified dependent.
Transparency in Coverage
Cigna Transparency in Coverage Link
This link leads to the machine readable files that are made available in response to the federal Transparency in Coverage Rule and includes negotiated service rates and out-of-network allowed amounts between health plans and healthcare providers. The machine-readable files are formatted to allow researchers, regulators, and application developers to more easily access and analyze data.
BCBS Transparency in Coverage Link
This link leads to the machine readable files that are made available in response to the federal Transparency in Coverage Rule and includes negotiated service rates and out-of-network allowed amounts between health plans and healthcare providers. The machine-readable files are formatted to allow researchers, regulators, and application developers to more easily access and analyze data.