Our medical plans have contracted with a network of providers, including physicians, hospitals, and other types of providers. In order to receive the highest level of benefits and pay the least amount out of your pocket, you need to access care from the providers who have elected to be a part of the network.

You can access the Cigna provider directory online at Cigna.com. Check to make sure your providers are in the appropriate network to avoid costly out-of-network expenses later.

ID cards will be mailed out 2-3 weeks after you enroll. Visit mycigna.com to register to download your ID card digitally.

Our medical plans have contracted with a network of providers, including physicians, hospitals, and other types of providers. In order to receive the highest level of benefits and pay the least amount out of your pocket, you need to access care from the providers who have elected to be a part of the network.

You can access the Cigna provider directory online at Cigna.com. Check to make sure your providers are in the appropriate network to avoid costly out-of-network expenses later.

Employees residing in California have the option to enroll in the Kaiser HMO Plan. For more information on the Kaiser plan and to find an in-network provider, visit kp.org.

We know not everyone understands the lingo, so here are some important terms to know as you decide which medical plan to choose, as well as how to use it during the year:

• Copay: A copay is the fixed amount you pay for a covered health care service (e.g., primary care physician office visit or emergency room visit).
• Annual Deductible: Your annual deductible is the amount you pay for office visits, prescription drugs and other covered services before your plan begins sharing the cost.
• Coinsurance: Coinsurance is the percentage you and your plan each pay when you’re sharing costs. Coinsurance kicks in after you meet your annual deductible.
• Out-of-pocket maximum: The most you pay in a year for health care services is called the out-of-pocket maximum. After you reach the out-of-pocket maximum, the plan covers 100% of eligible services for the remainder of the plan year.

Lowest Copay Option. Always consider tier one medications if you and your doctor decide they are right for your treatment.

Middle Copay Option. Consider tier two medications if you and your doctor decide there are no tier one options appropriate to treat your condition.

Ask your doctor if there are tier one alternatives or over-the-counter brands that are equivalent to tier two medications. They may be used to treat the same condition but are less expensive.

Highest Copay Option. If you are currently taking a medication in tier three, ask your doctor whether there are tier one or two alternatives appropriate for your condition.

Compounded medications containing one or more ingredients that are prepared on-site by a pharmacist are classified at the tier three level, provided that the individual ingredients used in compounding are covered under the pharmacy benefit.

Coinsurance Option. These are typically high-cost drugs used to treat complex or chronic conditions. If you are prescribed a specialty medication, ask your doctor whether there are tier one, two or three alternatives that may be clinically appropriate and more cost-effective.

You don’t need a Delta Dental ID card when you visit the dentist. Just provide your name, birth date and enrollee ID or Social Security number. Have dependents on your plan? They’ll need to use your details.

Still want an ID card? See the Benefits Guide at FreshRealmBenefits.com to learn more.

Although an ID Card is available to you, you do not need an ID Card to receive services.

Critical Illness Insurance provides extra financial protection by paying a lump sum directly to you if you are diagnosed with a covered condition, such as heart attack, cancer or stroke—this way, you can focus on getting better, rather than worrying about how to cover your bills. Coverage is portable and available to you, your spouse and child(ren) to pay for your treatment costs or everyday living expenses, like housekeeping services, special transportation services and day care.

Accident Insurance pays a lump sum directly to you, based on your accident, and you choose how to spend it. Whether you break a bone or experience a more serious injury, you can use the money for medical bills, monthly expenses and other bills that you may have while you recover.

Hospital Indemnity Insurance pays cash directly to you when you have a hospital stay, which you can use to help pay medical costs, or even pay for everyday expenses, like grocery bills or mortgage payments.