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2022 Live Healthy, Live WellEarn rewards for taking care of your well-beingFor employees enrolled in a MassMutual medical optionand their covered spouses or domestic partners. Earn up to 500 for your activities Up to 500 for your covered spouse/partner’s activities That’s up to 1,000 if you both participate!Deadline: Dec. 31, 2022 Need help? Call Cigna 24/7: 1-800-548-3980PROGRAM GUIDELINES FAQ INCENTIVE OPTIONS LIST
PROGRAM GUIDELINES FAQ INCENTIVE OPTIONS LISTPROGRAM GUIDELINES FAQ INCENTIVE OPTIONS LISTIncentive optionsProgram GuidelinesClick on an activity to learn how to earn the incentiveYou can do activities in any order, but you must complete the Health Assessment before you canreceive any wellness incentive dollars. Mix and match to earn the max!ACTIVITYREWARD AMOUNTELIGIBILITYYou must be in active service and enrolled in a MassMutual medical option (HealthSavings 1400 (HSA1400), Health Savings 2000 (HSA2000), Preferred ProviderOrganization 750 (PPO750), or the Exclusive Provider Organization (EPO)) at thetime that incentive activities are completed and on the date wellness incentive dollarsare distributed to you.HOW TO REP ORT COMPLETIONSelf-report onmyCigna.com Wellness Live Healthy, Live WellAutomatic (based onmedical/dental claim,online completion, orcoach verification)Covered spouses and domestic partners may participate. Covered children aren’t eligible.Due to differences in health plan availability, Puerto Rico residents aren’t eligible.TAKE STOCKHealth assessment 50 (required) Financial wellness assessment 50Annual physical exam 100 Preventive dental exam 25/exam — up to 50 Colon cancer screening 100 Preventive mammogram 100 Biometrics(Know Your Numbers) 100 GET SUPPORTCigna health coaching 75 25/session — up to 75 Pharmacist consultation 25/session — up to 75 Dietitian 25/session — up to 75 25 Ovia fertility, pregnancy &parenting app 25/month — up to 75 Cigna Case Management 150 50/20 stars — up to 200 TAKE ACTIONApps & ActivitiesHEALTHASSESSMENTYou must complete a 2022 health assessment on myCigna.com before you can receivewellness incentive dollars for your program activities.SPOUSES/DOMESTICPARTNERSCovered spouses/domestic partners must set up their own profile, username andpassword on myCigna.com (if they haven’t already), complete a health assessment,and report activity completions on their myCigna.com profile.HOW YOU’LLRECEIVEAWARDSIf you're enrolled in HSA1400 or HSA2000, you'll receive your wellness incentivedollars as before-tax dollars directly to your Cigna Choice Fund HSA. MassMutual cannot make wellness incentive deposits to any other HSA. If you don'thave an open Cigna Choice Fund HSA, you'll forfeit any wellness incentive dollarsyou earn. Wellness incentive deposits will count toward the IRS HSA contribution maximumfor the year in which they were deposited to your account, which may be differentfrom the year in which you completed the incentive. For instance, wellnessincentives for activities completed late in 2022 may be deposited in 2023, and willcount toward that year’s IRS HSA contribution limit. It is your responsibility to trackyour HSA contributions and keep them within IRS limits. CounselingConsumerMedical consultationThis program is for benefits-eligible active employees of the Massachusetts MutualLife Insurance Company (MassMutual), The MassMutual Trust Company, fsb, andMassMutual International LLC.Meditation 25/week — up to 75 Virtual Stretch Breaks or Yoga 25/week — up to 75 Physical activity 25/week — up to 100 ConsumerMedical module 25 Personal Financial Wellnesspathway with Degreed 50 If you're in PPO750 or the EPO, or if you receive Medicare or certain Veterans Affairsmedical benefits while enrolled in HSA1400 or HSA2000, you will receive wellnessincentive dollars as taxable income in your pay.PROTECTEDHEALTHINFORMATIONCigna, the wellness program administrator, does not share your protected healthinformation with MassMutual. This includes your health assessment answers, programactivities, and any other personally identifiable information. By law, this informationcannot be shared with your employer without your express permission.ALTERNATIVESTANDARDSOur health plan is committed to helping you achieve your best health. Rewards forparticipating in a wellness program are available to all employees covered under amedical option. If you think you might be unable to meet a standard for a rewardunder this wellness program, you might qualify for an opportunity to earn the samereward by different means. Contact Cigna at 1-800-548-3980. Cigna will work withyou (and, if you wish, with your provider) to find a wellness program with the samereward that is right for you, or process a waiver, in light of your health status.1
PROGRAM GUIDELINES FAQ INCENTIVE OPTIONS LISTPROGRAM GUIDELINES FAQ INCENTIVE OPTIONS LISTWell-being is a journey — Where will yours take you?Take StockYour path to increasing your well-being — whether physical, emotionalor financial — is unique to you. That’s why we offer lots of options andflexibility for earning wellness incentives to fit a wide range of interestsand needs.Information is power! Get an assessment of your health or financialwell-being, know your “health numbers” (a.k.a. biometrics), or get apreventive exam or screening.While you can complete activities in anycombination and in any order, they fallinto three general categories:Take Stock: Assess your currentwell-being.Get Support: Work with expertswho can help you make progresstoward your goals.Take Action: Engage in activitiesto boost your well-being andcontinue learning.Choose your pathWhen choosing your activities in this year’sprogram, consider your interests and needs: Have you identified health risks that are apriority to address? Is there an area where you feel stuck orneed guidance? Do you want motivation to start a newhealthy habit — or to continue whatyou’re already doing right?In the 2022 Live Healthy, Live Well program,there are many ways to engage.Health Assessment — 50Complete a confidential, 10-minute healthassessment on myCigna.com or in the myCigna appbetween Jan. 1 and Dec. 31, 2022. This step is requiredbefore you can receive awards for any other wellnessincentives. (Your covered spouse/ partner mustcomplete a health assessment on their own profilebefore wellness incentive dollars will be awarded fortheir activities.)You’ll receive the incentive after you complete theonline health assessment.Financial Wellness Assessment — 50Financial wellness is important to overall well-being.Log on to your Ayco account and complete an onlinefinancial wellness assessment to learn more aboutyour financial health. It’s secure, confidential, andthere are no strings attached!Note: Ayco Personal Financial Management isprovided to MassMutual employees at no charge;only MassMutual employees have online access.However, because a shared understanding of yourfinances is important, if you and your coveredspouse or domestic partner take the financialwellness assessment together to evaluate your jointfinances, you can both earn the 50 incentive. Youmust each report your completion on your personalmyCigna.com profile.Preventive Dental Exam — 25/exam(up to 50 max)Your dental health is important to your overall health!Get a semi-annual preventive exam. You can earn it2 times in a year, for a maximum of 50. You mustbe enrolled in MassMutual dental coverage to earnthis incentive. You’ll receive the incentive after Cignaprocesses the claim.Colon Cancer Screening — 100Get a preventive colon cancer screening ordered byyour provider. They’re paid for by the plan at 100%in-network. You’ll receive the incentive after Cignaprocesses the claim.Preventive Mammogram — 100Get a preventive mammogram ordered by yourprovider. They’re paid for by the plan at 100%in-network. You’ll receive the incentive after Cignaprocesses the claim.See the FAQ for estimatedturn-around times.The more you knowAnnual Physical Exam — 100 L earn the ins and outs ofyour medical coverage withthe Health Care HandbookGet a preventive annual physical exam with yourprimary care provider. They’re paid for by the plan at100% in network. You'll receive the incentive afterCigna processes the claim. L earn how to make sureyour preventive screening isbilled correctlyReport your completion on myCigna.com.Note: Preventive OB/GYN exams do not earnthe incentive.23
PROGRAM GUIDELINES FAQ INCENTIVE OPTIONS LISTPROGRAM GUIDELINES FAQ INCENTIVE OPTIONS LISTBiometrics (Know Your Numbers) — 100Know your health numbers! Use test results from your primary care provider (PCP) or, where feasible, measureyour own. Then, simply report that you did so on myCigna.com — no need to submit a form or report yournumbers. A good goal is to know your numbers in at least three of the four categories below.The insights you gain should be considered within the context of other factors, such as your lifestyle, currentmedical health and family history. Healthy habits regarding food, exercise, relaxation and sleep can reduce yourhealth risks.Biometrics should be measured in 2022 unless otherwise indicated.BIOMETRICWAISTCIRCUMFERENCEHOW D O I MEASUREIT?How to measure yourwaist circumference.MY NUMBERSInches:Date:orBMI(body mass index)You may use eitherof these numbers.Measure your weightWeight:and height at home — or Height:have them measured atft.a provider’s office.lbsDate:in.WHY IS THIS IMP ORTANT?Waist size greater than 35 inchesin women or 40 inches in men canindicate increased risk for cardiovascular disease and diabetes.BMI of less than 25 isrecommended. BMI of 30 ormore is associated with increasedhealth risks.Calculate BMIBMI:BLOODPRESSUREGet your blood pressuretaken at your next PCPoffice visit. Or, use ahome blood pressurecuff if you have one.FASTING BLOODGLUCOSEFor either test,use most recent labresults from withinthe past 2 years.Or, use a personalglucose monitor orHbA1c test kit if youhave one.Fasting bloodglucose:Use most recent labresults from within thepast 5 years. (Fastingtest recommended.)Total cholesterol:mg/dLorHbA1c1You may use eitherof these numbers.LIPID PANEL Total cholesterol Triglycerides HDL4 Meditation. Try eMindful and the Meditation incentive. Healthy eating. Focus on whole grains and beans,lean protein, and plenty of vegetables and fruit.Get the support you need with the Dietitian incentive.Fasting blood glucose2 99 mg/dL — normal100-125 mg/dL — pre-diabetes 126 mg/dL — diabetes Health coaching — Work with a Cigna Health Coachon weight management, stress reduction or smokingcessation and earn the Cigna Health Coaching incentive.Date:HbA1c 5.6 — normal5.7 – 6.4 — prediabetes 6.5 — diabetesDate:Recommended levels:* Total cholesterol 200* Triglycerides 150* HDL 60Discuss your numbers withyour provider.HbA1c:mg/dL Strength training. Use state-of-the-art equipment andprograms through our Fitness Services set a goal in Apps& Activities.Date:mg/dLHDL: Regular aerobic exercise. Make use of our many FitnessServices and earn Physical Activity and Apps & Activitiesincentives. Sleep. If you want to improve your sleep, try eMindful’s7 Days of Sleep streaming minicourse and Mindful SleepMediations. Create an Apps & Activities goal with a sleepfocus. Talk to your primary care provider if you needadditional help with sleep issues.mmHgTriglycerides:mg/dLWays to improve all of these health numbers include:Blood pressure of 119/79 mmHgor less is recommended. Bloodpressure of 130/80 mmHg or moreincreases your risk of heart attackand stroke.Date:/Follow up with your PCP with questions — and use the resourceslisted here to help address any areas that concern you.1An HbA1c test (also called an A1c) measures average blood glucose over the previous three months.2A single fasting blood glucose or HbA1c test is not sufficient for diagnosis. Use these numbers for a conversation withyour provider or to monitor an existing diagnosis.When you need more help: If makinghealthy lifestyle choices isn’t enough toget your blood pressure, blood glucose,or cholesterol into a healthy range, talk toyour primary care provider or specialist todiscuss further treatment options.Questions about a course of treatment?Check out our ConsumerMedicalConsultation incentive — and getimpartial, expert advice.Questions about blood pressure,cholesterol or diabetes medications?Take advantage of our PharmacistConsultation incentive for valuableinsights and recommendations.5
PROGRAM GUIDELINES FAQ INCENTIVE OPTIONS LISTPROGRAM GUIDELINES FAQ INCENTIVE OPTIONS LISTGet SupportAs a MassMutual employee and medical option participant, you haveaccess to an array of expert services (most of them free) to help youimprove your physical, emotional and financial health — giving youone-on-one guidance grounded in your unique needs and goals.The Live Healthy, Live Well program offers incentives for using theseservices. Take advantage of one or more — and get the support you need!Cigna Health Coaching — 75Work with one-on-one with a Cigna healthcoach at no cost to you to complete one ofthree lifestyle management programs: WeightManagement, Stress Reduction, or TobaccoCessation. Call Cigna at 1-800-548-3980to get started. You may also work with oneof MassMutual's dedicated health coaches —contact a coach directly: Springfield-based employees Non-Springfield-based employeesYour Cigna health coach will reportyour completion.Counseling — 25/session ( 75 max.)New situations bring new challenges — andeven long-term issues can benefit from afresh approach. Work one-on-one with anEAP counselor or another licensed behavioralhealth counselor of your choice. Earn a 25incentive per session (up to three sessions).MassMutual employees and their householdmembers are eligible for up to six free sessionsper issue per year with an EAP-networkcounselor. Here’s how to get started.Report your completion on myCigna.com.6Pharmacist Consultation — 25/session( 75 max.)Understanding potential side effectsand other information regarding yourprescriptions is important. Consult aboutyour medications with a pharmacist by callingCigna (1-800-548-3980), Express Scripts(1-866-219-1933). Earn a 25 incentive persession (up to three sessions).Report your completion on myCigna.com.To get started, call 1-888-361-3944 or go towww.myConsumerMedical.com (registrationcode MASSMUTUAL).Report your completion on myCigna.com.Ovia — 25/month ( 75 max.)Are you trying to conceive, pregnant, orraising a baby or toddler? Ovia apps offerexpert guidance for each stage of yourjourney – including cycle tracking in the OviaFertility app, access to a maternity nurse inOvia Pregnancy, and the ability to share infoin real time with other caregivers in OviaParenting. You can earn 25 for each monthyou use the app (up to three months).Download Ovia apps free from the App Storeor Google Play and identify MassMutual asyour company.Cigna Case Management — 150For certain medical diagnoses, a Cigna casemanager can help coordinate care and helpyou understand your treatment options,set goals, and engage in self-care for thebest outcomes. Earn 150 when you reportprogress toward an agreed-upon goal to yourcase manager.You are eligible for this incentive if you’realready working with a case manager. If youwould like a case manager but haven’t beenassigned one, call Cigna at 1-800-548-3980to discuss your concern. If your diagnosis iseligible, a case manager will contact you.Your case manager will report your completionto Cigna.Report your completion on myCigna.com.Dietitian — 25/session ( 75 max.)What you eat can affect your sleep, your mood,your energy level and overall health. Work witha registered dietitian of your choice on yourpersonal nutrition goals. Earn a 25 incentiveper session (up to three sessions).Report your completion on myCigna.com.ConsumerMedical Consultation — 25ConsumerMedical offers unlimited, no-costexpert information, guidance and supportfor MassMutual medical option participants.Whether you need help finding the best doctoror hospital, want information on treatmentoptions, need to access their Surgery DecisionSupport or Cancer Care Program, want asecond opinion or assistance resolving amedical claim, ConsumerMedical can help. It’sconfidential and unaffiliated with Cigna.7
PROGRAM GUIDELINES FAQ INCENTIVE OPTIONS LISTPROGRAM GUIDELINES FAQ INCENTIVE OPTIONS LISTTake ActionNow that you’ve identified areas you want to work on and receivedexpert advice, you’re ready to put that knowledge into action. Ormaybe you already have a healthy routine and want some motivationto keep doing the right thing. The incentives below can help you keepgood habits on track and continue learning.Apps & Activities — 50/goal (up to 200)Connect with Cigna’s Apps & Activities platform,which offers a variety of activities — includingstep-tracking challenges, healthy eating,improving sleep, and more — where you can setgoals and track your progress. You can connectusing a variety of fitness apps, or you can trackyour progress manually online. Earn stars forreaching goals. 20 stars 50. Earn up to 200.Find Apps & Activities on myCigna.com underWellness. You’ll automatically receive anincentive when you reach 20 stars earned inApps & Activities.Meditation — 25/2x in a week (up to 75)Meditation can be an important tool to reducestress, improve sleep and build resilience. Youcan earn 25 for doing two 14-minute sessionsof meditation in one week (up to three weeks),using eMindful (free to MassMutual employees)or another resource, or on your own.Report your completion on myCigna.com.Virtual Stretch Breaks or Yoga — 25/2xin a week ( 75 max.)Take a break during the work day to relax andrejuvenate with FREE 15-minute virtual stretchbreaks and/or 45-minute yoga sessions offeredby the Fitness Center. Earn this incentive bydoing two sessions in one week (up to threeweeks). Stretch breaks are offered twice a day8and yoga is offered several times throughout theweek. Find sessions on the Stay Healthy pageon MX. No need to register — just join in!Report your completion on myCigna.com.Physical Activity — 25/week (up to 100)Regular physical activity has immediate andlong-term health benefits and can improve yourquality of life — whether it’s yoga, gardening,walking, swimming, dancing, biking or a virtualFitness Center program. You can earn 25 whenyou do a total of 150 minutesof activity in one week (up to four weeks).Report your completion on myCigna.com.ConsumerMedical Educational Module — 25Being an informed consumer empowers you toask the right questions and identify the besttreatments for your medical issue. Learn about themany ways ConsumerMedical can help you: visit theirVirtual Event educational module. Each tile has infoon a different topic — view all 20 to completethe program.Report your completion on myCigna.com.Personal Financial Wellness Pathwaywith Degreed — 50Understanding your financial wellness is importantto overall well-being. Sign on to Degreed andcomplete three of the four modules in the PersonalFinancial Wellness Pathway. (If you don't see thispathway when you log on, type "PersonalFinancial Wellness" in the search box inDegreed.)Note: Access to Degreed is only available toMassMutual employees. However, becausea shared understanding of your finances isimportant, if you and your covered spouseor domestic partner go through the PersonalFinancial Wellness Pathway program together,and discuss how you can use this informationto improve your joint financial situation, youcan both earn the 50 incentive. You musteach report your completion on your personalmyCigna.com profile.Report your completion on myCigna.com.Frequently asked questionsQ: How will I know if Cigna has awarded an incentive?A: On myCigna.com, choose Wellness Wellness & Live Healthy, Live Well View Live Healthy,Live Well. Next to Incentives for, select the participant’s name.In the Cigna mobile app, choose Wellness & Incentives View Live Healthy, Live Well.Next to Incentives For, select the participant’s name. Incentives awarded in full will have a green check mark next to them. Incentives not awarded will have a yellow exclamation point icon and an explanation. Incentives partially awarded will also have a yellow exclamation point icon and anexplanation. Partial awards are given when you hit the maximum amount earnable,which is 500 per participant. For instance, if you have already earned 450, and thencomplete an incentive goal worth 100, you will receive 50 of that award. (Note thatyou and your covered spouse/domestic partner have separate maximums.)The time between Cigna’s receipt of your activity completion/claim and the notificationappearing on your Live Healthy, Live Well page varies by type of incentive (see table).If you haven’t been credited with an incentive that you thought you earned, contactCigna at 1-800-548-3980 as soon as possible.9
PROGRAM GUIDELINES FAQ INCENTIVE OPTIONS LISTAfter your incentive completion appears online, your wellness incentive dollars will likely take fourmore weeks to be distributed to you.ActivityTime from Cigna’s receipt of your completion/claimto notification on Live Healthy, Live Well pageHealth assessment7 business daysPhysician-determined alternativestandards/waivers13 business daysHealth coaching or case management10 business daysAnnual physical exam, colon cancerscreening, mammogram,or dental exam20 business daysAll self-reported activites1 business dayApps & Activities7 business daysQ: How long will it take to receive my wellness incentive dollars?A: It can take up to eight weeks from the date on which Cigna receives your incentivecompletion/claim to the funds being deposited in your HSA (if you are HSA-eligible) orincluded in your pay (if you're not HSA-eligible). This includes the turnaround time forprocessing the incentive completion (see chart on previous page), plus up to four moreweeks for processing by payroll.If, beyond this timeframe, you haven’t received wellness incentive dollars for an incentivemarked as earned on your Live Healthy, Live Well page, contact HR Employee Services assoon as possible to resolve any issues.Q: How will I know if my wellness incentive dollars have been depositedto my Cigna Choice Fund HSA?A: On myCigna.com, go to Spending Accounts Balances & Account Transactions.Under Posted Transactions, choose View Deposits.PROGRAM GUIDELINES FAQ INCENTIVE OPTIONS LISTQ: Can I see my spouse/domestic partner’s incentive activities?A: You can view the wellness incentives that your spouse/partner has completed, but not theirhealth assessment results.Q: Will MassMutual be able to see my health information?A: No. Your personally identifiable health information will not be shared with MassMutual.(Non-identifying aggregate information is used to guide future wellness programming.)Q: Where can I get help navigating the program?A: For website navigation issues, general program questions, questions about alternativestandards and coaching programs, or submitting incentive completions to Cigna, call1-800-548-3980 anytime, day or night.For one-on-one help from a MassMutual Wellness Champion, contact Scott Burke atsburke2@MassMutual.com or Ext. 43416 to connect with a Wellness Champion in your area.Q: Who do I call if I have a question about wellness incentives and mypay or HSA?A: Contact HR Employee Services at Ext. 46825 or 1-866-662-6448, 9 a.m.– 5 p.m. ET onbusiness days, or HR@MassMutual.com.DEADLINE:All wellness incentive program activities, eligible claimsand health assessments must be completed andsubmitted to Cigna no later than 11:59 p.m. ET onDec. 31, 2022. You must be employed by MassMutualat the time the incentive amount is paid.In the Cigna mobile app, tap the Spending Accounts tile.If you’re enrolled in PPO750, the EPO or Medicare, or receive certain VA medical benefits,you’ll receive wellness incentive dollars as taxable income in your pay.1011
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For employees enrolled in a MassMutual medical option and their covered spouses or domestic partners. Earn up to 500 for your activities Up to 500 for your covered spouse/partner's activities That's up to 1,000 if you both participate! Deadline: Dec. 31, 2022 Need help? Call Cigna 24/7: 1-800-548-3980
