HEALTHY LIFE. Resource Guide. Offer by: Cigna Health and Life Insurance Company, Connecticut General Life Insurance Company or their affiliates.
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1 HEALTHY LIFE Resource Guide Offer by: Cigna Life Insurance Company, Connecticut General Life Insurance Company their affiliates j 05/16
2 Cigna s y Life is about inspiring you your family to join in be active participants in your health. And we re committed to providing you with the programs tools to suppt you in making smart choices that improve your health, well-being quality of life. Use the enclosed infmation to find the programs suppt that best fit your needs. F your convenience, you can also find most of this infmation on the website. Start living healthy today we re here to help! Care Coverage I need infmation about health care coverage Plan their qualified Plan are eligible f incentives. their qualified their qualified > Benefits > Medical Benefits Abroad All full-time, active members of the Board of Directs who are traveling on the business of, at the expense of, Cigna outside their country of residence permanent assignment. Covers medical, pharmacy mental health/substance abuse care. All options pay f preventive care in full when you use an in-netwk health care professional. Cigna Dental Plan Provides coverage f a variety of dental procedures, preventive dental care, thodontia. Cigna Vision Plan Covers routine vision care prescription lenses. Also provides allowances f frames contact lenses. Medical Benefits Abroad Provides coverage f any injury, illness emergency medical assistance while traveling outside of your home country. Also includes coverage f prescriptions resulting from an accident illness while on international business travel. The plan also provides emergency dental coverage evacuation benefits. Eligible employees are automatically enrolled in this benefit when traveling. Outside the USA: Inside the USA: CignaEnvoy.com Infmation in this guide is f US employees only.
3 FINANCIAL PROGRAMS I need infmation about financial programs I need infmation about financial programs care Flexible Spending Account Allows you to set aside a ption of your paycheck tax-free to pay f qualified medical, dental vision expenses. Depending on your tax bracket, you can save up to 30%. A healthcare FSA can be used f healthcare expenses received by you, your spouse, your child under age 26, any other qualifying child relative you may claim as a dependent exemption f federal income tax purposes. Basic Long-Term Disability The Basic Long-Term Disability (LTD) plan provides continuing income f regular employees who have a disability lasting longer than 26 weeks. Coverage is automatic starts on your first day of wk as a benefits-eligible employee. Dependent Care Flexible Spending Account Allows you to pay f certain care f your eligible so that you ( spouse, if married) can wk, look f wk attend school full-time. Because the money you set aside from your paycheck is not taxed, what you save in taxes (about 30%) means me is available to pay these expenses. > Dependent Care Flexible Spending Account employees Supplemental Long-Term Disability Supplemental Long-term Disability (LTD) coverage pays an additional ption of your eligible earnings while on LTD. You pay the cost of the plan with pre-tax dollars through payroll deduction. 401(k) Both you Cigna contribute to your Plan account. You are immediately eligible at hire. You will be automatically enrolled at 3% about 6 weeks after your hire date. You have the option to enroll on your own opt out within 30 days. Company matching contributions can equal up to 4.5% of your eligible pay f every dollar of the first 6% of eligible pay that you contribute. Basic Life At no cost to you, Cigna provides term life insurance coverage equal to one times your eligible earnings. Coverage is automatic starts on your first day of wk as a benefits-eligible employee. Group Universal Life In addition to basic life insurance provided by Cigna at no cost, Group Universal Life offers the opptunity to purchase an additional amount of coverage. > Quick Clicks online/retirement > Basic Life > Group Universal Life Cigna Trusted Advis: Business Travel Accident Pays a benefit in the event of a death loss of a h, foot, eye of a covered person as the result of an accident while traveling on Cigna business. Coverage is automatic starts on your first day of wk as a benefits-eligible employee. Personal Accident Pays a benefit if a covered person is seriously injured killed in an accident. Coverage can be elected in $25,000 increments up to ten times your eligible earnings $500,000. You pay the cost of the plan with pre-tax dollars through payroll deduction. Accidental Injury Pays benefits directly to you in the event of a covered accident. How the money is used is up to you. It can help pay out-of-pocket medical costs expenses not covered by medical insurance. > Personal Accident Insurance Cigna Trusted Advis: : Cigna.com/healthylife qualified. qualified. qualified. Sht-Term Disability Our Sht-Term Disability (STD) Benefits Plan provides a continued source of income based on a schedule if you have a covered disability due to a medical condition related to an accident, illness pregnancy. Cigna pays the full cost of this benefit. STD benefits may be available f up to 26 weeks. Coverage is automatic starts on your first day of wk as a benefits-eligible employee. : Critical Illness Pays a lump-sum cash benefit that can help hle expenses if you a covered family member is diagnosed with a covered condition Cigna.com/healthylife qualified, excluding those residing in the state of Washington. 2 y Life Resource guide y Life Resource guide 3
4 health well-being I want to improve my health well-being I want to improve my health well-being Cigna Quit Today Stop using tobacco f good. Wk with a health coach to design a program specifically f you,, if you prefer, enroll in the online program only. The program provides free over-the-counter nicotine replacement therapy (patch gum). Employees covered by the Plan may also qualify f prescription Chantix Zyban. Wk with a coach: Online program only: Sign in with the Employer ID Cigna then click Quit Your Tobacco Addiction in the left navigation bar. Completing this Lifestyle Management Program may qualify you f an incentive. y Life Incentives Program Earn up to $766 in your paycheck in addition to a $260 reduction in your medical plan contributions f being tobacco-free. You can earn through being healthy, wking toward a healthier lifestyle, managing a condition, being physically active, me. Your that are Medical Plan can also earn incentives. > My tab > Incentive Awards Cigna.com/healthylife > Your Wellness Incentives > Incentives Plan. must be Plan to be eligible f incentives y Steps to Weight Loss Manage your weight eating habits. Wk with a health coach to design a program specifically f you,, if you prefer, enroll in the program online only. Wk with a coach: Online program only: Sign in with the Employer ID Cigna then click Manage Your Weight in the left navigation bar. Completing this Lifestyle Management Program may qualify you f an incentive. y Life Personal Team A dedicated team of specialists available 24 hours per day. Provides health coaching to help you set up a personal health plan, help identifying strategies to reduce stress improve wk/life balance, suppt f maintaining good eating habits, advice on managing losing weight, me. > My y Life > My Personal Team. Chronic condition suppt programs f employees covered by the Plan only. Completing live coaching may qualify you f an incentive. Strength Resilience Helps you underst the sources of your stress, learn coping techniques manage stress both on off the job. The program addresses: physical activity, nutrition, sleep, relaxation techniques coping with stressful situations. Wk with a coach: Online program only: Sign in with the Employer ID Cigna then click Manage Your Stress in the left navigation bar. Completing this Lifestyle Management Program may qualify you f an incentive. Onsite Coaches At select office locations, coaches are available onsite. Similar to the y Life Personal Team, they can provide face-to-face health coaching to help you set up a personal health plan, help identifying strategies to reduce stress improve wk/life balance, suppt f maintaining good eating habits, advice on managing losing weight, me. > My y Life > My Personal Team F onsite virtual employees at near the following locations: Bourbonnais, IL, Denison, TX, Pittsburgh, PA. Completing live coaching may qualify you f an incentive. y Life Fitness Centers Fitness centers are available around the country at larger Cigna offices. Exercise at wk f a me productive, balanced energized day! Virtual Well-Being Center Get tips convenient tools f physical activity, eating well managing your weight. From resistance bs to food journals, you have options to start maintain a healthy lifestyle WellBeats Virtual Group Exercise Provides virtual group exercise classes that can be accessed at home via mobile device. Also available at select Cigna offices. > & Well-Being > On-site Services > & Well-Being > & Well-Being > WellBeats Suppt@WellBeats.com Paid fitness center memberships may qualify you f an incentive Employee Assistance Program F anything that s on your mind, we can help. household members can access up to five fully paid counseling sessions per issue with referrals to behavial health benefits, wk/life suppt services, community resources services like legal financial consultation. Risk Assessment In just 15 minutes you can complete this powerful assessment of your health status. What s me, the assessment is packed with individualized advice has a personal analysis many preventable common conditions. It review s your contributing risk facts offers interactive health improvement programs in the areas of weight management, stress, sleep, energy, tobacco cessation. > Cigna Employee Assistance Program > My tab > Take My Assessment household members. Dental Plan, enrolled in a Flexible Spending Account (FSA). The Risk Assessment (in addition to a biometric screening) is required to be completed befe receiving incentives. continued > 4 y Life Resource guide y Life Resource guide 5
5 health well-being maternity family programs I want to improve my health well-being I need infmation on maternity family programs I access? Flu Shots Flu shots are available free of charge to employees at most Cigna offices in the October-November time frame. They are also available to covered by the Plan as part of 100% paid preventive care. Flu shot programs at participating offices, convenience care clinics, from your doct. f questions about flu shots at your office Cigna y Pregnancies, y Babies Get suppt in managing your pregnancy on your terms. Undergo an in-depth individualized risk assessment. Wk with an expert maternity nurse to develop a care management plan throughout your pregnancy receive a wealth of educational resources. > My tab > Programs Resources > Programs & Resources > y Pregnancies, y Babies Plan. Completing this program may qualify you f an incentive Biometric Screenings Biometric screenings are available at any office with an onsite y Life Care Center. Many other offices make screenings periodically available to employees through on-site events. You can also get a screening at your doct s office certain convenience care clinics. Preventive care biometric screenings are covered at 100% f those Plan. Screening programs at participating offices, y Life Care Centers, convenience care clinics, from your doct. ylife@cigna. com f questions about screenings at your office If in the Cigna Medical Plan a biometric screening (in addition to the Risk Assessment) must be completed befe receiving incentives. Cigna Moms Cigna s lactation program addresses the physical emotional challenged wking mothers face after the birth of a child. It s designed to help make the transition healthier easier f moms their newbns. Participants wk with a lactation consultant receive a ptable breast pump stage system. > Family Maternity > Cigna Moms Lactation Program All full-time part-time female Save Nursing Mother Rooms New moms can take advantage of private, dedicated lactation rooms at offices with 50 me Contact your local wellness team, local facility manager security personnel f the location access to the room (if needed.) All full-time part-time female I m looking f ways to save estimate costs mycigna Cost Estimats Get estimates on medical procedures, dental treatments prescription drug costs, track you out-of-pocket expenses account balances. Cigna Discount Program Find discounts f travel, car rental, shopping, me just f being an employee at Cigna. y Rewards Discount Program Get discounts on products services that make staying healthy easier me affdable. Discounts include weight nutrition programs, fitness products, alternative medicine, vitamins supplements me. > Estimate Care Costs > Benefits & Discounts Employees with Plan: > My tab > Programs & Resources > Discount Programs - y Rewards All other employees: Employer ID = Cigna enrolled in the Plan... Mayo Clinic Guide to Pregnancy Are you your spouse/partner expecting a baby? This book has all the answers, tips insights f each stage of pregnancy. Be better infmed about pregnancy childbirth you ll be sure to make the best decisions f your baby. Cigna Dental Oral Integration Program Get reimbursed f your coinsurance copayment amount f certain procedures that help promote optimal al health f patients having a baby. The program also includes one additional cleaning exam per year. Wk/Life Resource Referral Program Resource referral assistance f everything from parenting, child care, eldercare pet care, to adoption assistance, college search locating a summer camp. Articles, webinars online tools as well as caregiver resources are at your disposal. > Family Maternity > Family Maternity > Maternity Oral Sign in with the Employer ID Cigna then click Find Wk/ Life Resources in the left navigation bar covered by the Cigna Dental Plan. 6 y Life Resource guide y Life Resource guide 7
6 right care I want to get the right care at the right place Cigna 24-hour Infmation Line Registered nurses can help with an immediate health issues when you re not sure what to do, can t reach your doct, you need infmation fast. It is personal confidential. Audio library podcasts are also available via. Available 24/7 Have your medical ID card ready Employees enrolled in the Cigna Medical Plan. y Life Care Centers Located in larger Cigna offices, the Care Centers can provide wellness medical advice, care f illnesses injuries, allergy shots, health coaching on a variety of issues much me. Bloomfield, CT HLCC-Bloomfield@Cigna.com Philadelphia, PA HLCC-Philadelphia@Cigna.com Chattanooga, TN HLCC-Chattanooga@Cigna.com. y Life Care Centers offer biometric screenings, which is required to be completed befe receiving incentives. fill a prescription Convenience Care Clinics When you need treatment f common ailments injuries, you have choices. In addition to your doct, you can get high-quality, affdable services f a wide variety of routine medical conditions. Scranton, PA HLCC-Scranton@Cigna.com Plano, TX HLCC-Plano@Cigna.com > Find a Doct, Dentist, Facility Only f Cigna Medical Plan Dental Plan I need to fill a prescription Cigna Home Delivery Pharmacy Mail der prescription delivery that is easy cost effective f all of the medicines you take on a regular basis. Cigna Specialty Pharmacy covered by the Cigna Medical Plan. covered by the Cigna Medical Plan Urgent Care Centers You can go to an urgent care center f all kinds of health problems, especially if you can t wait f an appointment with your doct your issue doesn t require the ER. They are often open in the evenings on weekends; plus you don t need an appointment. Care at walk-in clinics costs a lot less than a trip to the ER. > Find a Doct, Dentist, Facility Only f Cigna Medical Plan Dental Plan Cigna Retail Pharmacy Netwk covered by the Cigna Medical Plan Cigna Netwk Using Docts, hospitals other health care professionals that participate in the Cigna Netwk can save you a lot of money. The integrated directy on makes it easier f you to search the netwk f care, quality cost. > Find a Doct, Dentist, Facility Cigna.com > Find a Doct > Plans Offered Through Wk School Employees covered by the Cigna Medical Dental Plans. Using Cigna.com will by default show results f all netwks. To get the most out of your plan, make sure you choose a provider in your plan s netwk. MDLive Connect with a US Board Certified doct who can treat a wide range of common conditions. Available 24/7 by phone video chat > Click the MDLive banner 8 y Life Resource guide
7 Customer service I need to contact a customer service center F assistance with questions about wkplace policies programs payroll. Cigna Customer Service Center F assistance with your current medical, vision, dental, pharmacy, flexible spending accounts, coverage claims. Also access the Personal Team, Employee Assistance Program, live coaching, lifestyle management programs other services. Cigna Group Insurance F assistance with your accidental injury critical illness plan coverage. Cigna Trusted Advis F assistance with your Basic Life, Group Universal Life (GUL), Personal Accident Insurance (PAI). YourCignaLifeService Center@Cigna.com GUL/PAI: Basic Life beneficiary designation: Basic Life coverage inquiries: 1. Claims: 1. Cigna Leave Solutions F assistance with sht- long-term disability claims. Prudential Retirement F assistance with your 401(k) plan, pension plan, deferred compensation, other retirement benefits j 06/16
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