• Your per-paycheck contributions are the lowest of the Cigna plans ($0 for employee-only coverage!).
• You can go to any provider you like; however, you will benefit from negotiated rates and higher benefit levels when you use Cigna Open Access Plus (OAP) network providers.
  • Note: Workmates in Utah use PPO network providers.
• For in-network preventive care services, the plan pays 100% (no copay or deductible).
• For in-network doctor visits or services: The plan pays 80% after you meet the $1,500 individual/$3,000 family deductible.
• Out-of-network services: The plan pays 50% after you meet the $3,000 individual/$6,000 family deductible.

Bonus! There’s a reason they call this the Smart Plan. When you enroll in it, you’re eligible for a Health Savings Account (HSA), and that lets you set aside pretax dollars to pay for eligible medical expenses. Can you say “ka-ching”? Plus, Workday chips in, so you get free money: $1,125 for employee-only coverage or $2,250 for other coverage. That’s 75% of the annual deductible! Pretty smart, huh?

Your first step to free money

If you enroll in the Cigna Smart Plan, you need to elect the HSA during enrollment to receive the company contributions (even if you don't want to contribute to your account right now). Then, be sure to open your account with Fidelity.

Open your HSA account

• Your per-paycheck contributions are moderate.
• You can go to any provider you like; however, you will benefit from negotiated rates and higher benefit levels when you use Cigna Open Access Plus (OAP) network providers.
  • Note: Workmates in Utah use PPO network providers.
• For in-network preventive care services, the plan pays 100% (no copay or deductible).
• For in-network doctor visits, you pay a copay—$20 primary care visits, $30 specialist visits.
• In-network services: The plan pays 80% after you meet the $500 individual/$1,000 family deductible.
• Out-of-network services: The plan pays 60% after you meet the $1,000 individual/$2,000 family deductible.

With both Cigna medical plans, you have prescription drugs covered through CVS Caremark. The two plans cover prescription drugs differently.

• Cigna Smart Plan: After you meet your deductible, you pay 20% of the cost of your prescription. Before then, you pay the full cost.
• Cigna Core Plan: You pay a flat copay (deductible doesn't apply).

The other factor that determines your out-of-pocket cost is—surprise!—the type of drug you need. CVS Caremark divides drugs into three tiers.

• Generic drugs have all of the same science behind them as other prescriptions plus approval from the U.S. Food and Drug Administration. The only difference? They cost you less out of pocket.
• Preferred brand drugs are brand-name drugs covered by CVS Caremark at a higher level than other brand-name drugs.
• Non-preferred brand drugs aren't on CVS Caremark's preferred list and cost you the most.

To fill a 30-day supply of your prescription, visit any retail pharmacy in the CVS Caremark network. That includes all of the big dogs like CVS, Walgreens, and Rite Aid. For prescriptions you take regularly, order a 90-day supply from the CVS Caremark Mail Service Pharmacy and save money.

Need to know which prescription drugs are covered? Check the CVS Caremark formulary (aka a list of covered prescriptions). There's a separate list for specialty drugs that treat complex or chronic conditions.
 

Once you’re enrolled in a Cigna plan, be sure to register on myCigna. Here are just a few of the tasks you can handle—anytime, anywhere—through myCigna:

• Find doctors and compare cost and quality ratings
• Manage and track claims
• Track account balances and deductibles
• Access your temporary ID card while you wait for the printed ID card to arrive. ID cards can take up to two to three weeks to be printed and mailed.

Being a Workmate comes with some great perks. Like Premise Health. You can connect 24/7/365 with a board-certified primary care doctor or behavioral health specialist via your computer, tablet, or smartphone. How convenient is that? It's great for non-emergency issues, or when you can't see your regular doctor.

Register by visiting Premise Health online.

Learn more about your plan by reviewing the Cigna Benefit Summaries and other plan documents. Reach out to your Onsite Client Service Partner, Olga Reyna, to learn more about either Cigna plan. 

This link— www.ticmrf.com/20-2480422—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.