2019BenefitsSummary

HEALTH INSURANCE Our health insurance plan is a Preferred Provider Network (PPO) administered by Cigna Open Access Plus. There is a waiting period of 30 days from start date. Currently the cost to employees (per pay period): • $66.00 for individual coverage

Eye exams ($20 co-pay, any provider), frames, lenses, contacts and prescription sunglasses. There is a $200 maximum coverage per member, per calendar year. Prescription Coverage The health insurance plan includes prescription coverage. There are preferred pharmacies to use, but almost all pharmacies fall under the heading of preferred. Under the prescription drug plan, there will be a “formulary” or list of drugs to reference when obtaining medications. All generic prescriptions are on the formulary, and all generic drugs require the lowest co-payment (or $15.00). Brand name drugs that appear on the formulary require the middle co-payment (or $30.00). A brand name prescription that does not appear on the formulary is available but at a higher co-payment (or $45.00).

• $138.00 for employee plus children coverage • $132.00 for employee plus spouse coverage • $177.00 for employee plus family coverage

Medical Coverage As a PPO, 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 visiting 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 received, 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 Care Dental visits do not require a network provider. However, employees are encouraged to use a provider from the Cigna Dental PPO Network to 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, employees are encouraged to use a provider from the Cigna Vision Plan to benefit from the discounts provided through the network. This benefit includes:

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