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7Cigna LifeSOURCE Transplant NetworkSt. Luke’s RooseveltHospital, New YorkStrong MemorialHospital, RochesterWestchester MedicalCenter, ValhallaNorth CarolinaCarolinas MedicalCenter, CharlotteDuke UniversityHospital, DurhamUniversity of NorthCarolina Hospitals,Chapel HillOhioArthur G. JamesCancer Hospital,ColumbusChildren's HospitalMedical Center,CincinnatiChrist Hospital,CincinnatiCleveland ClinicFoundation,ClevelandJewish Hospital,CincinnatiNationwide Children’sHospital, ColumbusThe Ohio StateUniversity WexnerMedical Center(formerly OhioState UniversityMedical Center),ColumbusUniversity Hospital,CincinnatiUniversity HospitalsCase MedicalCenter, ClevelandOklahomaINTEGRIS BaptistMedical Center dbaINTEGRIS NazihZuhdi TransplantInstitute, OklahomaCityOregonLegacy GoodSamaritan Hospitaland Medical Center,PortlandOregon Health &Science University,PortlandPennsylvaniaAllegheny GeneralHospital, PittsburghChildren’s Hospital ofPittsburghPenn State Milton S.Hershey MedicalCenter, HersheyPinnacle HealthSystem, HarrisburgTemple UniversityHealth System,PhiladelphiaThomas JeffersonUniversity Hospital,PhiladelphiaUniversity ofPennsylvaniaHealth System,PhiladelphiaUPMC PresbyterianShadyside Hospital,PittsburghWest Penn Hospital,PittsburghSouth CarolinaTexas TransplantInstitute, SanAntonioThe MethodistHospital, HoustonUniversity HealthSystem, SanAntonioUniversity of TexasMD AndersonCancer Center,HoustonUniversity of TexasSouthwesternMedical Center,DallasUtahIntermountain MedicalCenter, Salt LakeCityLDS Hospital, SaltLake CityUniversity of UtahHospital, Salt LakeCityMedical University ofSouth CarolinaMedical Center,CharlestonVermontTennesseeInova Fairfax Hospital,FairfaxMedical College ofVirginia Hospitals,RichmondSentara NorfolkGeneral Hospital,NorfolkUniversity of VirginiaHospital,CharlottesvilleMethodist UniversityHospital(LeBonheurHealthcare),MemphisSt. Jude Children’sResearch Hospital,MemphisVanderbilt UniversityMedical Center,NashvilleTexasChildren’s MedicalCenter, DallasCook Children'sMedical Center, Ft.WorthMedical City DallasHospitalMemorial HermannHospital, HoustonMethodist DallasMedical CenterSt. Luke’s EpiscopalHospital, HoustonTexas Children'sHospital, HoustonFletcher Allen HealthCare, BurlingtonVirginiaWashingtonSeattle Children’sHospitalUniversity ofWashingtonMedical Center,SeattleWisconsinAurora St. Luke’sMedical CenterChildren's Hospital ofWisconsin,MilwaukeeFroedtert MemorialLutheran Hospital,MilwaukeeUniversity ofWisconsin,Madison

Health Care Professional Compensation8Health Care Professional CompensationCigna is committed to keeping youinformed about matters related to yourhealth care plan. For that reason, weoffer the following description of theway that Cigna compensates health careprofessionals (physicians, hospitals andother health care practitioners andfacilities) that participate in ournetworks.Cigna compensates health careprofessionals in ways that are intended toemphasize preventive care, promotequality care and ensure the appropriateand cost-effective use of coveredmedical services and supplies. Cignareinforces this philosophy throughutilization management decisions madeby its medical directors and medicalmanagement staff. Cigna employees areencouraged to promote appropriateutilization of covered health careservices and to discourageunderutilization.The methods by which participatinghealth care professionals agree to becompensated are described generallyhere. The amount and type ofcompensation a health care professionalagrees to accept may vary dependingupon the type of plan. For example, ahospital may agree to accept less forservices provided to patients enrolled inan HMO plan than to patients enrolled inother types of plans. In addition, Cignamay attempt in various ways to promotethe use of participating health careprofessionals based upon quality andcost-effectiveness measures whileassuring quality and access to coveredservices and supplies.DISCOUNTED FEE FORSERVICE:Payment for services is based on anagreed-upon discounted amount from thehealth care professional’s bill.CAPITATION:SALARY:By mutual agreement, networkphysicians, physician/hospitalorganizations (PHOs) or other healthcare professional groups are paid a fixedamount (capitation) at regular intervalsfor each individual assigned to thephysician, PHO or other health careprofessional groups, whether or notservices are provided. This paymentcovers physician and/or, whereapplicable, hospital or other servicescovered under the benefits plan. Healthcare professional groups and PHOs mayin turn compensate health careprofessionals using a variety of methods.Physicians and other health careprofessionals who are employed to workin Cigna's Arizona staff-model medicalfacility are paid a salary. The salary isdecided in advance each year and isguaranteed regardless of the servicesprovided. Physicians are eligible for abonus at the end of the year based onperformance, which is evaluated usingcriteria that may include quality of care,quality of service and appropriate andcost-effective use of medical servicesand supplies.Capitation can offer health careprofessionals a predictable income,encourage physicians to keep peoplewell through preventive care, eliminatethe financial incentive to provideservices that will not benefit the patientand reduce paperwork.Some health care professionals mayreceive additional payments based ontheir performance, which is measuredusing criteria that may include quality ofcare, quality of service and appropriateand cost-effective use of medicalservices and supplies. Health careprofessionals may also receive financialand/or nonfinancial incentives thatpromote utilization of cost-effectiveparticipating health care professionals(such as hospitals, labs, specialists andvendors) and covered drugs and supplies.Cigna may also work with third partiesthat provide network managementservices. Under these arrangements,Cigna pays the third party a fixedmonthly amount per individual for theseservices. Health care professionals arecompensated by the third party forservices provided to Cigna planparticipants from the fixed amount.Compensation arrangements are agreedupon by the third parties and theircontracted health care professionals, andmay include discounted fee for serviceand capitation.Some health care professionals and thirdparties that provide networkmanagement services may participate ina risk-sharing arrangement with Cigna;they agree on a target amount for thecost of certain services and share all orsome of the amount by which costs areover or under the target. Services aremonitored using criteria that mayinclude accessibility, quality of care,customer satisfaction and appropriateand cost-effective use of medicalservices and supplies.BONUSES AND INCENTIVES:PER DIEM:A specific amount is paid to a hospitalper day for all health care received. Theper diem payment may vary by type ofservice and length of stay and thepayment may in some cases be greaterthan the hospital’s normal billed charges.CASE RATE:A specific amount is paid for all healthcare received in the hospital for a givenhospital stay (such as for a normalmaternity delivery).If you would like to find out whichcompensation method applies to servicesyou receive from a health careprofessional, just ask the doctor’sadministrative staff. Cigna CustomerService is available to help with generalquestions at the toll-free telephonenumber on your Cigna ID card.

Service Area9Service AreaParticipating health care professionals are located throughout the service area. Look under specific listingsin this directory for the addresses of physicians and hospitals that participate in this network.

10How to Read the Physician ListingHow to Read the Physician ListingExample:FAMILY PRACTICE . . . . . . . . . . . . . .Smith, John, MD . . . . . . . . . . . . . . . . . . . .Cigna Care Designation: Yes . . . . . . . . . . . .ID 12345678 . . . . . . . . . . . . . . . . . . . . . . .Medical Group . . . . . . . . . . . . . . . . . . . . .123 A Street . . . . . . . . . . . . . . . . . . . . . . .Town, State 00000 . . . . . . . . . . . . . . . . .(123) 456-7890 . . . . . . . . . . . . . . . . . . . .Hospital Affiliation . . . . . . . . . . . . . . . . . .SpecialtyPhysician’s name and degreeCigna Care designated doctorPhysician’s ID numberGroup affiliationStreet addressCity, state, zip codeOffice phone numberAffiliation with Cigna-participating hospital(s)Cigna Care Network䉸Your plan may include the Cigna Care Network, composed of doctors selected from Cigna’s broad network of participatinghealth care professionals. If Cigna Care Network is part of your plan, and you need certain types of care, you will receivea higher level of in-network benefits when you receive covered services from Cigna Care designated doctors.A Cigna Care designated doctor is a Cigna participating doctor who practices in one of the specialties or primary carecategories below and meets certain criteria related to quality and cost-efficiency. Another objective of the Cigna CareNetwork is to help ensure our customers have adequate access to specialists and primary doctors in the following classes.Primary Care doctors and specialists rdiovascular SurgeryColon and Rectal SurgeryDermatologyEar/Nose/Throat (Otolaryngology)EndocrinologyPRIMARY CARE:Family PracticeGastroenterologyGeneral c SurgeryPulmonary MedicineRheumatologyUrologyInternal MedicinePediatricsIf ‘‘Cigna Care Network’’ is printed on your ID card and you need care in one of the areas listed above, the followingapply: When you receive covered services from doctors who have received the Cigna Care Designation, you receivethe in-network benefit level and your copayment or level of coinsurance will be lower than if you chose adoctor without the Cigna Care Designation. If you receive covered services from a Cigna participating doctor without the Cigna Care Designation youare covered at the in-network benefit level—but your copayment or level of coinsurance will be higher thanif a designated doctor were chosen.Cigna Care designations may change. Before visiting your doctor, always check your directory to find out if the doctoris Cigna Care designated. You will find the latest information on www.cigna.com.The physicians listed in this directory are independent contractors. They are not the agents nor employees of, nor underthe control of any Cigna company.Participation by health care professionals or physicians listed in this directory is not guaranteed and may be subjectto change. Please ask your doctor whether he/she is still participating in the network or call Customer Service.夝Board Certified

Primary Care PhysiciansAllegany CountyⴑAnne Arundel County11Primary Care PhysiciansThe following physicians participate in the Cigna Open Access Plus network. If you choose to designatea personal primary care physician, you may do so only if the health care professional chosen has anEnrollment Number listed under his or her name and is accepting new patients.MarylandALLEGANY COUNTYADULT NURSEPRACTITIONER PRIMARYCAREBostaph, Thomas A., CRNP 夝Age 18 and overID 6239081P01600 Memorial Ave #302Cumberland, MD 21502(301) 759-4544Memorial Hospital and MedicalCenter of CumberlandWilson, Denise V., CRNPID 3690659P01600 Memorial Ave #302Cumberland, MD 21502(301) 759-4544FAMILY NURSEPRACTITIONER PRIMARYCAREChapman, Cathy S., PMHNP,ARNP, ANP, AAID 4065295P02200 Glenn St #201Cumberland, MD 21502(240) 362-7294Harvey, Terry E., FNP 夝Cigna Care Designation: YesID 2065027P0130-A N Mechanic StCumberland, MD 21502(240) 362-7265Jacovino, Rachel L., MSNID 0961589P01621 Kelly RdCumberland, MD 21502(301) 722-3270Maynard,Kimberly S., CRNP, ACNP 夝ID 1529137P01621 Kelly RdCumberland, MD 21502(301) 722-3270Mckenney, Katherine A., NP, FNPID 2286267P0110701 N Georges Creek Rd SWFrostburg, MD 21532(301) 689-3229Robbins, Stephanie N., MSN 夝ID 0142336P01621 Kelly RdCumberland, MD 21502(301) 722-3270FAMILY PRACTICEAdams, Jerry P., MD 夝ID 1158682P01957 National HwyLa Vale, MD 21502(301) 729-9475Garrett County Memorial HospitalMemorial Hospital and MedicalCenter of CumberlandBeyer, Gregory L., MD 夝ID 6108571P0110701 New Georges Creek RdSWFrostburg, MD 21532(301) 689-3229Memorial Hospital and MedicalCenter of CumberlandBollino, Anthony J., Jr., MDID 1377271P01922 National HwyCumberland, MD 21502(301) 729-6531夝Board CertifiedEvans-Wood, Allison L., MD, DOAge 8 and overID 9036875P0117204 Mcmullen Hwy SWCumberland, MD 21502(301) 729-0060Memorial Hospital and MedicalCenter of CumberlandKennedy, Michele N., DO 夝ID 7207794P01621 Kelly RdCumberland, MD 21502(301) 722-3270Memorial Hospital and MedicalCenter of CumberlandLivengood, Paul T., MD 夝Cigna Care Designation: YesID 7112749P01912 Seton DrCumberland, MD 21502(301) 722-3111Malla, Sailaja, MD 夝ID 5366069P01625 Kent Ave #305Cumberland, MD 21502(240) 964-4585Root, Douglas C., MD 夝ID 1123507P01621 Kelly RdCumberland, MD 21502(301) 722-3270Sadiq, Rizwan, MD 夝ID 5944599P01217 Glenn St #401Cumberland, MD 21502(240) 362-7004Inova Loudoun HospitalSpiggle, Wayne C., Jr., MDID 9058831P03621 Kelly RdCumberland, MD 21502(301) 722-3270Vea, Carissa Jean I., MD 夝ID 0554037P011313 National Hwy #27Cumberland, MD 21502(240) 362-0288Williams, Terry E., MDID 4801781P01625 Kent Ave #309Cumberland, MD 21502(301) 724-5992Memorial Hospital and MedicalCenter of CumberlandWood, Norman E., Jr., MD, DOID 5191315P0290 Main StWesternport, MD 21562(304) 298-2184Memorial Hospital and MedicalCenter of CumberlandGENERAL PRACTICEDeren, James B., MDID 6534115P0112500 Willowbrook RdCumberland, MD 21502(240) 964-7000Laurencio, Isagani O., MDID 4701229P0110701 New Georges Creek RdSW #4Frostburg, MD 21532(301) 689-3229INTERNAL MEDICINEChappell, Thomas E., MD 夝Cigna Care Designation: YesID 3428821P01912 Seton DrCumberland, MD 21502(301) 722-3111Other Language(s) Spoken:Korean, Spanish, TagalogCheema, Abdul H., MD 夝ID 5961089P01900 Seton DrCumberland, MD 21502(301) 723-6470and600 Memorial AveCumberland, MD 21502(301) 723-6470Memorial Hospital and MedicalCenter of CumberlandChotani, Habib A., MD 夝ID 2834688P01130 Pennsylvania AveCumberland, MD 21502(301) 759-2666Memorial Hospital and MedicalCenter of CumberlandInova Alexandria HospitalMeritus Medical CenterDonaldson, Gregg C., MD 夝Cigna Care Designation: YesID 5490482P01912 Seton DrCumberland, MD 21502(301) 722-3111Evans-Wood, Allison L., MD, DOID Not Available17204 Mcmullen Hwy SWCumberland, MD 21502(301) 729-0060Memorial Hospital and MedicalCenter of CumberlandGarcia Javier, Idalina N., MD 夝Cigna Care Designation: YesID 0691974P01912 Seton DrCumberland, MD 21502(301) 722-3111Other Language(s) Spoken:SpanishGupta, Sunil K., MD 夝Age 12 and overID 1461376P01625 Kent Ave #101Cumberland, MD 21502(301) 724-7117Other Language(s) Spoken:HindiMemorial Hospital and MedicalCenter of CumberlandKhanna, Shiv C., MD 夝ID 8270231P01214 Paca St #BCumberland, MD 21502(301) 729-2226Other Language(s) Spoken:Hindi, PersianMemorial Hospital and MedicalCenter of CumberlandKlein, Steven J., MD 夝ID 6694366P01921 Seton Dr #C & DCumberland, MD 21502(301) 724-4337Memorial Hospital and MedicalCenter of CumberlandMeritus Medical CenterLoveria, Jose T., Jr., MD 夝Cigna Care Designation: YesID 9742202P01912 Seton DrCumberland, MD 21502(301) 722-3111Magbojos, Virginia N., MD 夝Cigna Care Designation: YesID 2269293P01912 Seton DrCumberland, MD 21502(301) 722-3111Meyers-Vagnoni,Anita M., MD 夝ID 5107024P02925 Seton DrCumberland, MD 21502(301) 777-0694Poonai, Vikramaditya K., MDID 1680889P01924 Seton Dr #2Cumberland, MD 21502(301) 777-5456Other Language(s) Spoken:SpanishMemorial Hospital and MedicalCenter of CumberlandRanjithan,Nagaratnam A., MD 夝ID 0890932P01517 E Oldtown RdCumberland, MD 21502(301) 777-9393Memorial Hospital and MedicalCenter of CumberlandShakil, Huma, MD 夝Age 18 and overID 7370923P01625 Kent Ave #204Cumberland, MD 21502(301) 777-7300Memorial Hospital and MedicalCenter of CumberlandShin, Wonsock, MD 夝ID 9581820P01925 Bishop Walsh Rd #5Cumberland, MD 21502(301) 759-3800Sidhu, Harjit S., MD 夝Age 16 and overID 0769720P01925 Bishop Walsh Rd #2Cumberland, MD 21502(301) 759-3000Stertz, Willie Leon L., Jr., MD 夝ID 2825452P021313 National Hwy #27Cumberland, MD 21502(240) 362-0288Memorial Hospital and MedicalCenter of CumberlandTan, Jesus H., MDAge 16 and overID 0650860P014 S BroadwayFrostburg, MD 21532(301) 689-3138Memorial Hospital and MedicalCenter of CumberlandVagnoni, Christopher S., MD 夝ID 9221057P01925 Seton DrCumberland, MD 21502(301) 777-0694Memorial Hospital and MedicalCenter of CumberlandWelik, Robert A., MDID 0947926P0212502 Willowbrook Rd #450Cumberland, MD 21502(301) 777-7011Other Language(s) Spoken:SpanishZaman, Qamar U., MD 夝ID 8423525P0112502 Willowbrook Rd #440Cumberland, MD 21502(301) 777-3111Memorial Hospital and MedicalCenter of CumberlandPEDIATRICSDawson, Robert J., MD 夝Cigna Care Designation: YesBirth through age 17ID 1397746P01500 Greene StCumberland, MD 21502(301) 724-7616Memorial Hospital and MedicalCenter of CumberlandGonzaga, Rosario B., MDID 7124551P01957 National HwyLa Vale, MD 21502(301) 729-9475Memorial Hospital and MedicalCenter of CumberlandHaworth, ByronAllen A., Jr., DO 夝Cigna Care Designation: YesBirth through age 30ID 6926858P01500 Greene StCumberland, MD 21502(301) 724-7616Memorial Hospital and MedicalCenter of CumberlandHurtt, Debra B., MD 夝Cigna Care Designation: YesID 3632136P01500 Greene StCumberland, MD 21502(301) 724-7616Levitas, Michael A., MD 夝Cigna Care Designation: YesID 0725704P01500 Greene StCumberland, MD 21502(301) 724-7616Other Language(s) Spoken:FrenchMemorial Hospital and MedicalCenter of CumberlandUniversity of Maryland MedicalSystemMeyers-Vagnoni,Anita M., MD 夝ID 5107024P02925 Seton DrCumberland, MD 21502(301) 777-0694Nuber, Susan M., MD 夝Cigna Care Designation: YesID 1185982P01500 Greene StCumberland, MD 21502(301) 724-7616Memorial Hospital and MedicalCenter of CumberlandVagnoni, Christopher S., MDID 9221057P01925 Seton DrCumberland, MD 21502(301) 777-0694Memorial Hospital and MedicalCenter of CumberlandWilliams, Rodney A., MD 夝Cigna Care Designation: YesID 6438599P01500 Greene StCumberland, MD 21502(301) 724-7616Memorial Hospital and MedicalCenter of CumberlandANNE ARUNDEL COUNTYADULT NURSEPRACTITIONER PRIMARYCARENwachukwu, Josephine, CRNPID 5368973P018601 Veterans Hwy #204Millersville, MD 21108(410) 729-0424Baltimore WashingtonMedical CenterFAMILY NURSEPRACTITIONER PRIMARYCAREBerger, Bethany L., CRNP 夝ID 6961475P012629 Riva Rd #112Annapolis, MD 21401(410) 266-1000

12Anne Arundel CountyEdgar, Millicent M., FNP, CRNPID 9111535P017845 Oakwood Rd #300Glen Burnie, MD 21061(410) 760-5638Flores, Deliana C., NP, MSN 夝ID 9564082P01116 Defense Hwy #403Annapolis, MD 21401(410) 571-2946Other Language(s) Spoken:SpanishJohnson, Meuy S., MSN 夝Birth through age 18ID 0889839P012772 Rutland RdDavidsonville, MD 21035(410) 798-6133and22

University of Arizona Health Sciences Center, Tucson Arkansas University of Arkansas for Medical Sciences, Little Rock . Porter Adventist Hospital, Denver Presbyterian St. Luke's Medical Center, Denver University of Colorado . Orlando H. Lee Moffitt Cancer Center, Tampa Jackson Memorial Hospital, Miami Mayo Clinic,