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TABLE OF CONTENT
CONTACT INFORMATION........................................................................................................................................ 1
Reasons to Call and Who to Call ......................................................................................................................... 1
WELCOME TO VERSA-TAGS, INC. ......................................................................................................................... 2
WHAT’S INSIDE......................................................................................................................................................... 2
MEDICAL INSURANCE OPTIONS ............................................................................................................................ 3
Cigna - Base Plan (OAP $1000/80%).................................................................................................................. 3
Cigna - Buy-Up Plan (OAP $500/80%)................................................................................................................ 4
Cigna - Enriched Plan (OAP $1000/100%).......................................................................................................... 5
YOUR HEALTH BENEFITS ....................................................................................................................................... 6
Get the Most from Your Benefits ......................................................................................................................... 6
When to Use Primary Care, Convenience Care, Urgent Care, Lab Services or Emergency Care ..................... 6
VOLUNTARY DENTAL INSURANCE ........................................................................................................................ 8
Cigna Dental ........................................................................................................................................................ 8
Increasing Calendar Year Maximum ................................................................................................................... 8
VOLUNTARY VISION INSURANCE .......................................................................................................................... 9
Cigna Vision ......................................................................................................................................................... 9
VOLUNTARY LIFE / AD&D INSURANCE ...............................................................................................................10
LONG-TERM CARE.................................................................................................................................................11
ACCIDENT INSURANCE.........................................................................................................................................11
CRITICAL ILLNESS INSURANCE ...........................................................................................................................11
CANCER INSURANCE ............................................................................................................................................12
DISABILITY INSURANCE........................................................................................................................................12
IMPORTANT NOTICES ...........................................................................................................................................12
Special Enrollment Notice..................................................................................................................................12
Notice of Material Change (also Material Reduction in Benefits) ......................................................................13
Women’s Health and Cancer Rights Act Of 1998 .............................................................................................13
Notice of Privacy Practices ................................................................................................................................13
Marketplace Options ..........................................................................................................................................13
Medicaid CHIP Notice........................................................................................................................................14
Medicare Part D Credible Coverage ..................................................................................................................15
GLOSSARY OF TERMS ..........................................................................................................................................15