2018_BL_BenefitsBrochure

HEALTH INSURANCE Our health insurance plan is administered by Cigna. Our PPO Network provider is Cigna Open Access Plus. Currently the cost to employees for Medical Coverage is $60.00 for individual coverage; $126.00 for employee plus children coverage; $120.00 for employee plus spouse coverage and $162.00 for employee plus family coverage per pay period. There is a waiting period of 30 days from start date. Medical Coverage The health insurance plan is called a Preferred Provider Network (PPO). This means that there are certain providers in the network who are favored by Cigna Open Access Plus – they have worked out specific rates with them and we reap the benefits of the discounts. If you go to a primary doctor “in-network,” the office visit co-pay is $20.00. In Network v. Out of Network It is always cheaper to choose an in network provider but that is not always an option. Sometimes a favorite doctor is not in the network or the choice of doctors and hospitals in the area is not satisfactory. This does not mean that the employee cannot go to the doctor of their choice, it simply means that there is additional cost associated with the visit. The additional cost depends on the type of treatment you are receiving but in general there is a $400.00 deductible applied. This means that you have to generate $400.00 worth of doctor’s bills before the insurance company will pay for 70% of the balance - you are required to pay 30% of the balance. Dental Coverage Dental visits do not require a network provider. However, you are encouraged to use a provider from the Cigna Dental PPO Network so you can benefit from the discounts provided through the network. The plan provides for two free cleanings a year and varying percentages of coverage depending on the work that is being done. Orthodontia is provided for children only. Vision Care Vision visits do not require a network provider. However, you are encouraged to use a provider from the Cigna Vision Plan so you can benefit from the discounts provided through the network. This benefit includes: Eye exams ($20 co-pay - Any Provider), Frames, Lenses, Contacts and Prescription Sunglasses. There is a $200 maximum coverage per member, per calendar year. 6