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Critical Benefit Information

How much do you know about your employee benefits? If you don't fully understand your Employee/Retiree Benefits, you could be paying way more than you should for your healthcare.  We've heard countless stories  from you about surprise bills from Out of Network providers, paying for services that the Health Plan already paid, the vast differences in prescription drug costs from pharmacy to pharmacy, and more.

Unfortunately, what you don't know can hurt you. Visit this page for benefit notices, alerts and news that will make you a smart healthcare consumer and potentially save you hundreds of dollars.

 OUT OF NETWORK HAZARDS

 

 IN NETWORK VS. OUT OF NETWORK

 IN NETWORK  OUT OF NETWORK

 Your doctor charges $1000 for your surgery.

 Your doctor and Cigna have an agreement that your doctor   will accept the usual rate of $600 rather than $1000.

  Assuming you've met your deductible, you are charged 20%   of the $600 usual rate, or $120. The Plan is charged 80%, or   $480. These percentages are your and the Plan's IN Network   co-insurance, which vary amounts depending on your plan.

 Because of this agreement between your doctor and Cigna,   you cannot be billed for the $400 difference between the   charges and usual amount.

 Your IN NETWORK BILL totals $120.

 Your doctor charges $1000 for your surgery.

 There is no agreement between Cigna and your doctor, so   your doctor can charge you more than the usual rate.

 Assuming you've met your deductible, you are charged 40%   of the $600 usual rate, or $240. The Plan is charged 60%, or   $360. These percentages are your and the Plan's OUT OF   NETWORK co-insurance, which vary amounts depending on   your plan.

 There is no agreement between your doctor and Cigna,   therefore your doctor could balance bill you for the $400   difference between the charged and usual amount.

 Your OUT OF NETWORK BILL totals $640.

 

 BEWARE OF SURPRISE OUT OF NETWORK CHARGES
 Before surgery or procedures that require anesthesia, talk to your doctor and/or billing office to   inquire about their use of out of network surgical assists, anesthesiologists, CRNA;s or other   ancillary  providers. Be informed before your procedure so that you can make a decision about your   potentially substantial out of network charges.

Hazard logo 2 

 In Network Oval

 To find In Network   providers, visit   www.mycigna.com or   call 1-800-244-6224.