Confidential and Proprietary. Copyright © 2019, McGriff Insurance Services. All Rights Reserved.

Employee Benefit Solutions

for

Annual Benefits Open Enrollment

Open Enrollment 

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Time to review benefits for the 2020‐2021 plan year › Passive enrollment – current elections will rollover› Aug/Sept ? deadline for elections/changes

Open enrollment is the one time of year you can make a plan change to your benefit elections without having a qualifying event

Changes in elections can only be made through the year due to a qualifying event› Marriage› Divorce› Birth or adoption› Loss of coverage elsewhere› Medicare eligibility

Note:  Qualifying events must be reported to HR within 30 days of the occurrence or you will have to wait until the following Open Enrollment

All benefits and changes made are effective October 1, 2020

What’s New for 2020

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BENEFIT 2019Carrier

2020Carrier

PLAN OFFERING

Medical Cigna Cigna VSA will continue to offer three plan options HMO, PPO and HSA.  No change in plan design or contributions

Dental Delta Dental Delta Dental No change in plan design or contributions

Vision VSP VSP No change in plan design or contributions

Legal Plan Legal Resources Legal Resources No change in plan design or contributions

Cigna One Guide: Pre‐Enrollment Line

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Call 888.806.5094 to speak with a Cigna One Guide representative today. 

Your Medical Plan Options

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Open Access Plus Network 

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• You have the option of choosing a primary care provider (PCP) to guide your care (it is recommended but not required)

• You can see a specialist without a referral• Using doctors and health care facilities in the Cigna OAP network may keep

your costs lower • You can choose doctors or facilities not part of the Cigna OAP network, but

your costs may be higher• You have access to Cigna’s national network of labs, x-ray and radiology

centers – plus 75% potential savings through in-network labs• Nationwide in-network coverage for emergency care• You may pay an annual amount – a deductible – before your health plan begins

to pay for covered health care costs.** Only services covered by the health plan count toward the deductible

• Once you meet your deductible, you will pay a portion of covered health care costs and the plan pays the rest

• Once you meet an annual limit on your payments – out-of-pocket maximum –your plan pays 100% of covered costs

Open Access Plus(OAP)

Medical Plan Provided through Cigna

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PPO (OAP Plan) HMO (OAPin Plan) HSA (HSA OAP Plan)

Plan Year In‐Network Out‐of‐Network In‐Network In‐Network Out‐of‐Network

Deductibles (Individual | Family) $500 | $1,000 $1,000 | $2,000 $500 | $1,000 $1,500 | $3,000 $3,000 | $6,000

Out of Pocket Maximum $4,500 | $9,000 $9,000 | $18,000 $4,500 | $9,000 $3,000 | $6,000 $6,000 | $12,000

Co‐Insurance You pay 0% You pay 30% You pay 10% You pay 0% You pay 30%

Office Visit Company $20 Copay Ded., then 30% $25 Copay Ded., then $20 Ded., then 30%

Specialist $40 Copay Ded., then 30% $50 Copay Ded., then $40 Ded., then 30%

Preventive Care Covered at 100% Ded., then 30% Covered at 100% Covered at 100% Ded., then 30%

Lab/X‐Ray Covered at 100% Ded., then 30% Ded., then 10% Deductible Ded., then 30%

Inpatient Hospitalization Ded. plus $500 Ded., then 30% Ded., then 10% Deductible Ded., then 30%

Emergency Room $200 Copay Paid as In‐Network $200 Copay Ded., then $200 Paid as In‐Network

Urgent Care Ded., then $75 Ded., then 30% $75 Copay Ded., then $75 Ded., then 30%

This is an abbreviated list of services, see the carrier plan documents for full plan details.

Pharmacy Provided through Cigna

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PPO (OAP Plan) HMO (OAPin Plan) HSA (HSA OAP Plan)

Plan Year In‐Network Out‐of‐Network In‐Network In‐Network Out‐of‐Network

Deductibles (Individual | Family) $0 | $0 $0 | $0 $0 | $0 Combined with 

MedicalCombined with 

Medical

Retail (30 day supply) $15 | $45 | $75 50% $15 | $45 | $75 $15 | $45 | $75 after deductible

50% after deductible

Mail Order (90 day supply) $45 | $135 | $225 No Coverage $45 | $135 | $225 $45 | $135 | $225 

after deductible No Coverage

This is an abbreviated list of services, see the carrier plan documents for full plan details.

Prescription Drug List

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PRESCRIPTION MEDICATION COVERAGE LEVELS (TIERS)

Generics

$

Preferred brands

$$

Non-preferred brands

$$$

• Lowest-cost medications

• Have the same strength and active ingredients as brand-name medications*

• Medium-cost medications

• Cost less than non-preferred brands

• High-cost medications

• Cost more than preferred brands

Certain high-cost medications that have lower-cost alternatives are not covered. Login to myCigna.com to view your drug list and learn how much your

medications may cost.

Making it easier to fill your prescription

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Cigna One Guide

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• Find an in-network doctor, lab or urgent care center• Connect with health coaches and more• Stay on track with appointments and preventive care• Take advantage of dedicated one-on-one support for complex health situations

• Know your coverage and how it works• Get answers to your health care or plan questions

Understand your plan

Get care

Save and earn

Once you have enrolled, start using the Cigna One Guide service by downloading the enhanced myCigna® App, click to chat, by phone or by registering on myCigna.com.

• Maximize your benefits and earn incentives (if provided by your employer)• Get cost estimates and service comparisons to avoid surprises• Check account balances and claim activity to manage expenses

Cigna One Guide service helps you make smarter, informed choices and get health-related recommendations based on what matters most to you. It’s our highest level of support that combines the ease of a powerful app, the web, and live service via phone or online chat. One Guide personal support, tools and reminders can help you stay healthy and save money. Help from your One Guide team is always just a phone call or click away.

myCigna.com

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Your online home for assessment tools, plan management, medical updates and much more

Find in‐network doctors, dentists and medical services  View ID card information  Review your coverage  Manage and track claims  Order refills or talk with a pharmacist at Cigna Home Delivery PharmacySM

Use our Drug Cost Tool to compare real‐time drug pricing specific to your plan* Compare cost and quality information for doctors and hospitals  Access a variety of health and wellness tools and resources  Sign up to receive alerts when new plan documents are available  Track your account balances and deductibles

Download the myCigna® App and access your account with just a fingerprint on any compatible device.**

*Prices shown on myCigna are not guaranteed and coverage is subject to your plan terms and conditions. Visit myCigna for more information.**Please refer to your phone’s manufacturer for your phone’s specific capabilities. The downloading and use of the myCigna app is subject to the terms and conditions of the App and the online stores from which it is downloaded. Standard mobile phone carrier and data usage charges apply. Actual myCigna features may vary depending on your plan and individual security profile.

Health Information Line

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Call the Health Information Line 24 hours a day, seven days a week. Speak with a clinician trained as a nurse who is ready to provide medical guidance and help answer health questions like how to treat a twisted ankle or a child's fever. This toll-free number is printed on the back of your Cigna ID card.

• Get information to help you decide where and when you should get treatment for immediate health care needs.

• Call if you need general health information or have a specific health concern.

• You can also listen to hundreds of podcasts to help you stay informed about your health.

Select a topic and listen via live-stream on your computer via myCigna.com.

Preventive care

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Getting and staying healthy is important. That’s why most health plans include coverage for eligible preventive care services at no additional cost to you, when you receive them from a doctor who participates in your plan’s network.This means no money taken from your account and no out‐of‐pocket costs to you. Covered preventive care services can include, but are not limited to:* Screenings for blood pressure, cholesterol 

and diabetes Screening for colon/rectal cancer Clinical breast exams and mammograms Pap tests

Cigna Diabetes Prevention Program in collaboration with Omada

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Digital support focused on reducing the risk of type 2 diabetes and heart disease through healthy weight loss, nutrition, sleep and exercise.

Personalized tools at no extra cost to you*

Build healthy habits that last• Eat healthier – Learn the

fundamentals of making smart food choices.

• Increase activity – Discover easy ways to move more and boost your energy.

• Sleep better and stress less• Overcome challenges – Gain

skills that allow you to break barriers to change.

• Strengthen habits – Zero in on what works for you, and find lasting motivation.

For illustrative purposes only.

Telehealth

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Cigna Telehealth Connection lets you get the care you need – including most prescriptions (when appropriate) – for a wide range of minor conditions.

Connect with a board-certified provider via phone or video chat, when, where and how it works best for you.

When: 24/7/365 day or night, including weekends and holidays.

How: Phone or video chat.

Cigna Lifestyle Management programs

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If weight, tobacco or stress is affecting your ability to live an active life, a health advocate can provide you with personalized support to help you.• Weight management: Learn to manage your weight

using a non-diet approach that helps you build confidence, change habits, eat healthier and become more active.

• Quit tobacco: Develop a personal quit plan to become and remain tobacco-free.

• Reduce stress: Understand the sources of your stress, and learn to use coping techniques to better manage stress both on and off the job.

Use an online or telephone coaching program –or both – for the support you need.

The support you need to change your life

Cigna Healthy Rewards Program

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Get discounts on the health products and programs you use every day, for:

• Weight management and nutrition

• Vision and hearing care

• Alternative medicine• Health and

wellness products• Fitness clubs

and equipment

Information to help you save money

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Saving on health care costs

Use the emergency room for true emergencies• Emergency care is covered 24 hours a day, in or out of

the network.• But avoid the emergency room for minor injuries – visits

to urgent care and convenience care clinics* are also covered and will cost less

Locate a convenience care clinic near you, before you need it• Walk right in. You can get quick, convenient access to

quality medical care. • Convenience Care Clinics include:*

• MinuteClinic• RediClinic• Sutter Express Care

Convenience Care Clinics can treat the following:• Allergies• Bladder infections• Bronchitis• Cold sores• Ear infections• Influenza• Impetigo• Laryngitis• Minor burns, rashes

or skin infections• Pink eye and styes• Sinus infections• Strep throat

• Take Care Health• Target Clinic• The Little Clinic

We’re here 24/7/365*

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By phone – 866.494.2111• Call anytime day or night for live

customer service• Ask for a Spanish-speaking

representative or speak with us in your preferred language –interpreter service is available in more than 200 languages

• Speak with a clinician anytime, day or night through the 24-hour Health Information Line

myCigna – online or app • Directory of doctors, hospitals, facilities

with cost and quality information• Useful tools to help you:

– Review your coverage– Manage and track claims– Track account balances and deductibles,

and sign up for email notifications – Find quality of care information for

common procedures and treatments– Get Claims and Balances statements

on demand to view claim history and account transactions

– Submit a request to be reimbursed from your health account**

– Price and compare medications

Now compatible with iPhone® X devicesThe Apple® Face ID®

feature for iPhone X devices is a new way to unlock and authenticate your myCigna® App. It’s even more convenient than the Touch ID® tool, and makes authenticating fast and easy. Other iPhone users can still use Touch ID to log in to the app.***

Health Savings Account

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The Advantages of an HSA

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Allows you to set aside contributions on a pre‐tax basis Save a little or save a lot – you can contribute a monthly contribution or lump sum Use this tax‐free money to pay for qualified health care expenses, or Save the money and allow it to build over time to use for future expenses

YOU own the HSA account, not your employer YOU decide how your money is spent YOUR dollars rollover from year‐to‐year and can build over time

Tax‐Free Money = IRS Regulations

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The IRS limits how much money you can set aside tax‐free into your HSA  These limits include money from all sources combined (you, your spouse) For 2020, the annual limits are:

› Single coverage – $3,550› Family coverage – $7,100› Additional Catch‐Up Contributions (Age 55+) – $1,000

KEEP YOUR RECEIPTS! May be required by insurance company to 

prove that deductible has been met May need to prove that expenses were 

eligible if ever audited by the IRS.

HSA Eligibility

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Individuals eligible for an HSA are: Covered by a qualified CDHP Not covered by other health insurance 

(including coverage under a spouse’s low deductible plan with copays, FSA, HRA through a spouse’s employer)

Not enrolled in Medicare Not claimed as a dependent on someone else’s tax return

Eligible expenses include: Doctor, dentist, and optometry visits Prescription medication Lab exams/tests (X‐rays, CAT scans, MRIs, 

bloodwork)

Therapy services Medical equipment Hearing services and supplies And more!

To refer to the full list of eligible expenses, visit:https://www.irs.gov/pub/irs‐pdf/p502.pdf

Ways to be a Better Health Care Consumer

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Use the MyCigna website to access cost‐saving tools such as:› Network provider search› Procedure cost estimator› 24/7 Nurseline› Chronic condition support› Health and wellness resources

When you visit the doctor, ask questions such as:› Is there a generic version (or OTC alternative) for this prescription?

› Can this test/procedure be done at a free‐standing diagnostic facility instead of a hospital?

› Is there wellness program or lifestyle change(s) that can help me avoid taking an expensive medication?

› Is this test/procedure the best choice? (Other options may be less costly.)› If I pay cash, are fees negotiable? 

Dental and Vision Plans

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Dental Plan Provided through Delta Dental

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Delta Dental Plan

Calendar Years PPO Network Premier Network Out‐of‐Network

Deductible (Individual | Family) $50 | $150 $50 | $150 $50 | $150

Plan Year Maximum $5,000 $5,000 $5,000

Preventive Services (cleanings) 100% 90% 90%

Basic Services (fillings and extractions) 80% 70% 70%

Major Services (crowns, implants) 50% 50% 50%

Ortho Services 50% 50% 50%

Ortho Lifetime Maximum $2,500 $2,500 $2,500

This is an abbreviated list of services, see the carrier plan documents for full plan details.

MaxOver Get rewarded for good oral health activities

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To be eligible for MaxOver, you need to:

Have at least one preventive exam and cleaning during the plan year (October 1st – September 1st) and

Have claims that are less than the MaxOver claims threshold paid during the benefit period.

Your Annual MaximumBenefit Allowance: $5,000

Submit claims up to: $2,500

MaxOver Amount added to next benefit period: $1,250

Total Annual Maximum Benefitfor next benefit period: $6,250

Delta Dental ID Card

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Show your Delta Dental of Virginia I.D. Card to your dentist. Only newly enrolled employees or employees making coverage or option changes will automatically receive two new I.D. cards

Benefit Questions?  Call Delta Dental of Virginia at: 800‐237‐6060.                         Customer Service Representatives are available: › 8:15 am to 6:00 pm Monday – Thursday  › 8:15 am to 4:45 pm on Fridays (Eastern Times noted)

VA Surgery Assoc400937John Doe671234Family Coverage10-1-2018

800-237-6060

www.deltadentalva.com

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Delta Dental ‐Mobile App

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To use our Mobile App:

Download the Delta Dental app at the App Store or Google Play (Android)

To log in, you can use the same username and password you use to log in to our website

You can find a dentist, view coverage and claims information, view your mobile ID card and even brush with the toothbrush timer!

Vision Plan Provided through VSP

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VSP Vision Plan

Benefits In‐Network Frequency

Eye Exam $10 Copay Every 12 Months

Material Copay (Lenses and frames) $25 Copay Every 12 Months

Lenses SingleBifocalTrifocal

Covered in full after materials copay (Anti‐reflective coating is 

included)Every 12 Months

Contacts (instead of glasses)    Up to $130 allowance Every 12 Months

Frames $130 allowance Every 24 Months

This is an abbreviated list of services, see the carrier plan documents for full plan details.

Vision Plan Provided through VSP

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Create an account at vsp.com.• Review your vision benefit and access your 

coverage information.

Find great eye care near you.• To find a VSP network doctor, visit vsp.com or call 

800.877.7195.

At your appointment, tell them you have VSP.• There’s no ID card necessary. If you’d like a card 

as a reference, you can print one on vsp.com.

Employee Contributions Per‐Paycheck

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PlansEmployee 

OnlyEmployee + Child(ren)

Employee + Spouse

Employee + Family

Cigna HSA OAP $24.45 $287.30 $317.61 $613.39

Cigna HMO OAPin $84.76 $351.32 $388.39 $709.99

Cigna PPO OAP $105.35 $443.97 $487.55 $853.97

Delta Dental $13.72 $35.90 $34.59 $64.59

VSP Vision $4.14 $7.13 $6.98 $11.49

Legal Plan

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Legal Resources 

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How Can Legal Resources Help You?

» Legal Plan members pay NO AttorneyFees for 21 FULLY COVERED legalservices!

» There are NO copays, deductibles,maximum usage, or waiting limits,ever!

Services Covered at 100%

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Attorney’s Fees 100% covered on these services

Services Covered at 100%

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Attorney’s Fees 100% covered on these services

Expanded Coverage Benefits

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For more complex legal matters, you still save 25%!

» The Legal Plan provides a 25% discount and 1 hour of FREE legalconsultation for any legal need, excluding employee-employerdisputes

» Discount includes coverage for “out-of-network” legal events» And pre-existing legal matters which occurred before coverage

begins!

Law Firm Network Breadth and Depth

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Elite Law Firm Network

» NATIONWIDE network of attorneys withinreach!

» Highly-rated local law firms averaging 15YEARS or more in legal practice experience

» Representation from PARTNERS andtenured attorneys of your law firm ofchoice

Law Firm Access

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Unique Delivery System

» Call your law firm directly for their services;NO GATEKEEPERS OR CLAIM FORMSREQUIRED

» Upon enrolling, you can select any law firmfrom our local network of plan attorneys

» Call Member Services at (800) 728-5768 forcustomer service or to reselect your firmfrom the plan network at any time

Member Services

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Superior Customer Support

» Our Member Services team are CERTIFIEDPARALEGALS

» They’re also CERTIFIED IDENTITY THEFTcounselors who provide advice on next stepstowards resolving identify theft issues

» Your resource for questions about the plan orlocating a specialized attorney in the network

Parent Coverage

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Your parents receive a 25% discount!

» Refer your parents and in-laws to ourLEGAL PLAN ATTORNEYS and they’llreceive a 25% discount on their attorneyfees!

» Your parents must live within reach of aLegal Resources Plan attorney; contactMember Services

Legal Resources Plan Rate

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» Your plan rate is $19.00 per month!» That includes you, your spouse, and dependent children up to

19 years old, or 23 years old if they’re full-time college students

Have Questions?Visit our website at www.LegalResources.com

or call Member Services at (800) 728-5768

Questions?

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Thank You