Medical

Medical coverage offers health care protection for you and your family. You may visit any medical provider you choose, but In-Network providers offer the highest level of benefits and lower out-of-pocket costs.

Network providers charge members reduced, contracted fees instead of their typical fees. Providers outside the plan’s network set their own rates, so you may be responsible for the full cost of Out-Of-Network services (HMO plans) or the difference if a provider’s fees are above the Reasonable and Customary (R&C) limits ​(OAP and OAP HDHP plans). Additionally, several Out-Of-Network services require pre-authorization.

Before you pick your medical plan for 2024, here’s a quick look at how the plans line up side by side.

*After deductible

**Specialty covered at applicable Tier

HMO plans are designed for you to visit in-network providers. You will need to choose a Primary Care Physician (PCP) and coordinate care with any specialists through this PCP. Note that services received outside the network are not covered, except for emergency services.

Plan Features

• If you are enrolled in the HMO plan, you and your enrolled dependents must each use a Primary Care Physician (PCP) from the HMO network to coordinate your care. Cigna will pre-assign a PCP for you and each enrolled dependent.
• You pay a copay when you visit your PCP or a specialist referred by your PCP.
• You must receive a referral from your PCP to see a specialist. You don’t need referrals for certain specialists, such as an OB/GYN.
• If you use doctors, hospitals, labs, pharmacies, or other health care facilities outside the HMO network or a network specialist without a referral, you’re responsible for paying the full cost (except in an emergency).
• There are no claim forms to file

Find a Provider

Step 1: Log into Cigna.com

Start by visiting www.cigna.com and click on the “Find a Doctor” option the top of the screen. If you’re already a Cigna customer, you can log in directly to www.mycigna.com or use the myCigna® app to search within your current plan’s network.

For broader network searches, stick with the Cigna.com directory.

Step 2: Navigate to “How are you Covered?”

Under the “How are you Covered?” section, choose “Employer or School” to access the relevant information for your employee benefits.

Step 3: Customize Your Search

Change the geographic location to the city/state or zip code you want to search. Select your preferred search type (name, specialty, or other search term) and enter the relevant details. Click on one of the suggestions or use the magnifying glass icon to see your results.

Step 4: Verify Your Location and Explore Plans

Answer any clarifying questions prompted by the system and verify your location. This is crucial as it determines the available networks. Optionally, you can select one of the plans offered by your employer during open enrollment for a more tailored experience.

By following these simple steps, you’ll be able to explore Cigna’s extensive network of healthcare providers, ensuring you have the information needed to make informed decisions about your healthcare.

The Cigna Select HMO Plan has the same benefits and coverage as the Cigna Full HMO plan, but with lower bi-weekly employee contributions. The plan has a narrower network of participating providers. To find a Cigna Select HMO provider, go to “Find A Doctor” at www.cigna.com.

A High Deductible Health Plan (HDHP) is made up of two unique components:

The HDHP works much like a PPO plan in that you have access to a broad network of providers and you may choose any provider when you need care. However, in exchange for a lower per-paycheck cost, you must satisfy a higher deductible that applies to almost all health care expenses, including those for prescription drugs. Remember, that higher deductible is offset by lower premiums and the ability to use a Health Savings Account (HSA). Once your deductible has been met, you will continue to pay a coinsurance and/or medical and prescription copays until your out-of-pocket maximum is met, then the plan pays 100%.

A HDHP could be a good fit for you if you prefer:

• For less to be taken from each paycheck for health benefits; and
• For Belkin to contribute more to your health benefits coverage through a Health Savings Account (HSA).

How the HSA Works

If you select the HDHP health plan, you may elect to contribute to your HSA on a pre-tax basis for your current or future health care expenses. Belkin will also contribute to your account each year. You decide when and how to use these funds; you can choose to save them to pay future health care expenses – even into retirement. There isn’t a “use it or lose it” rule, as there is with a Flexible Spending Accounts (FSAs). Any amount remaining in your account at the end of the year will carry over into following years until you need it. And if you leave Belkin for any reason (including retirement), you can take your funds with you.

Having an HSA offers a triple tax advantage:

• Any contributions you make to your account will reduce your taxable income.
• Earnings on your account will build up tax-free.
• Distributions for qualified health expenses from the account are not subject to taxation.

This plan lets you visit the doctor of your choice. Although you may see a provider who does not participate in the plan’s network, in most cases your benefits are greater (and your out-of-pocket expenses smaller) when you see a network provider. You are not required to select a Primary Care Physician under this option. Once you reach the deductible, you will pay coinsurance until the out-of-pocket maximum is met, then the plan will pay 100% in-network.

With in-network providers:

• For most covered services, you pay 20% coinsurance after you meet the deductible.
• The deductible and coinsurance do not apply to physician office visits, preventive care, or prescription drugs.
• Claims are filed for you.

With out-of-network providers:

• You must pay the full cost of your medical care at the time of service. You will then file a claim with UHC to be reimbursed for the covered amount of your bill.
• For most covered services, you pay 40% of the allowed amount after the deductible, plus any amount over the allowed amount.
• For emergency medical care, reimbursement may be based on the reasonable and customary value in your area for that service. You may be responsible for charges over the reasonable and customary value.
• For out-of-network pharmacies, you are responsible for any expense not covered under this plan and any amount in excess of the prescription drug maximum allowed amount.
• You file claims yourself.

For more information about any of the Cigna Plans, call Cigna at (800) 224-6224 or go to www.cigna.com.

Because health care has evolved over time, it’s important to be an active participant in your own health care management. That means being proactive, cost-conscious and selective about your health care choices, which can help save money, time and frustration.

Here are some important tips:

• Take advantage of preventive care, which is covered at 100% (in-network) regardless of the medical plan you choose.
• Know where to go. Only visit an emergency room when it’s a true emergency. Urgent care centers are less expensive and faster than the emergency room. Virtual visits are an option, too.
• Go to an in-network doctor, hospital, or another provider if possible. In-network providers are typically less expensive than their out-of-network equivalent.
• Talk to your doctor about prescribing a generic prescription if it’s available. Generics have the same active ingredients and are just as safe and effective as a brand name.
• Shop your prescriptions to find the most reasonable costs. You can look online for some viable options.
• Take advantage of all of the tools and resources that are available to you.