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YOURCIGNA PLANOFFERINGSPlan year: January 1, 2016-December 31, 2016Open Enrollment: November 2-November 20Offered by Cigna Health and Life Insurance Company, Connecticut General Life Insurance Company, or their affiliates.862431a 04/15 2015 Cigna.
We’ve got your back.so you can achieve what matters most.That’s why we offer coveragetoolsresources that will work for you.Together, we can all liveConfidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. 2015 Cignahealthierlives.2
You go the extra mile to be healthybut you don’t need to go italone.With your Cigna Choice Fund medical plan, we’rewith you all the way – in sickness and in health.Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. 2015 Cigna3
What’s the Difference? Comparing HRA and HSAFeatureHealth Reimbursement Account(HRA)Health Savings Account(HSA)OverviewAn employer-funded account used to pay forqualified health care expenses, typicallycombined with a high-deductible health plan.A tax-free, individually owned savingsaccount used to pay for qualified expenses ofthe account holder and qualified dependentsin the current or in future years.Who contributes?Only inVentiv may contribute to an HRAThe employee, inVentiv or bothNew this year! inVentiv’s contribution issemi-annual.Who owns theaccount?inVentivEmployeeAre therecontribution limits?No federal tax law limits.The IRS sets the annual maximumcontribution limit. The limit for 2016 is 3,350for Single enrollment and 6,750 for Familyenrollment in the HDHP.Can funds becarried over eachyear?Yes, up to a maximum of 5000 forIndividual, 4500 for EE SP or EE Child(ren), and 4000 FamilyYes, HSA funds are carried over indefinitelyduring a participant’s lifetime inclusive of theinVentiv contribution.Do I have to usethe money to payfor claims?Yes, any money in the account will be usedfirst to pay for claims.No, you can decide when to use the HSAbank account for qualified expenses.What happens tothe account if Ileave inVentiv?The fund is not portable. Any unusedamounts remain.You own the bank account and you take itwith you.Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. 2015 Cigna4
YOUR CIGNA CHOICE FUND HEALTH SAVINGS ACCOUNTYour health plan plus a health savings account1/1/2016-12.31/2016Offered by Cigna Health and Life Insurance Company or Connecticut General Life Insurance Company882379 05/15
Cigna Choice Fund Health Savings Account (HSA)Health plan:Deductibles:Preventive care*:Pharmacy**: Open Access Plus(OAP) 1,750 individualCovered at 100%(in-network)Administered byExpress Scripts 3,250 familyAll Pharmacy expensesaccumulate towardyour overall deductibleand Out-of-PocketMaximum* Some preventive services may not be covered under your plan. For example, immunizations for travel are generally not covered. Other non-covered preventive services/suppliesmay include any service or device that is not medically necessary or services/supplies that are unproven (experimental or investigational). See your enrollment materials for details.** Health benefit plans vary, but in general to be eligible for coverage a drug must be approved by the Food and Drug Administration (FDA), prescribed by a health careprofessional, purchased from a licensed pharmacy and medically necessary. If your plan provides coverage for certain prescription drugs with no cost-share, you may be required touse an in-network pharmacy to fill the prescription. If you use a pharmacy that does not participate in your plan’s network, your prescription may not be covered, or reimbursementmay be limited by your plan’s copayment, coinsurance or deductible requirements. See your enrollment materials for details.Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. 2015 Cigna6
Health savings plan and youQualified highdeductiblemedical plan HealthSavingsAccount TaxadvantagedHSA plan A tax-advantaged Health Savings Account provides coverage for current health careexpenses with the option to save for future health care expenses Combines a qualified high-deductible medical plan (medical/pharmacy coverage)with a Health Savings Account Both you and inVentiv Health can contribute to the Health Savings Accountwhich is owned by you Money put in the Health Savings Account is generally not taxable* You have investment options with the Health Savings Account* HSA contributions and earnings are not subject to federal taxes and not subject to state taxes in most states. A few states do not allow pretaxtreatment of contributions or earnings. Please consult your personal tax advisor or contact your plan administrator for information about your state.Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. 2015 Cigna7
Make the most of your HSA – IndividualHSADepositContributions(from you orinVentiv) can beused to pay forqualified healthexpenses orsaved to pay forfuture healthexpenses 300PLAN PAYS80% YOUPLAN100%YOU PAY 1,45020% 1,750 3,000*DEDUCTIBLEYOUR OUT-OFPOCKETMAXIMUMALL EXPENSESIN-NETWORK*Your deductible is included in the Out-of-Pocket MaximumIn-Network Preventive care is covered by the plan at 100%Your out-of-pocket costs may exceed the amount shown if you choose to receive care out-of-network. All plans have exclusions and limitations. For costs and details of coverage, see your enrollment materials.Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. 2015 Cigna8
Make the most of your HSA – EE Spouse or EE Child(ren)HSADepositContributions(from you orinVentiv) can beused to pay forqualified healthexpenses orsaved to pay forfuture healthexpensesPLAN PAYS 55080% YOUYOU PAYPLAN100% 2,70020% 3,250 6,000*ALL our deductible is included in the Out-of-Pocket MaximumIn-Network Preventive care is covered by the plan at 100%Your out-of-pocket costs may exceed the amount shown if you choose to receive care out-of-network. All plans have exclusions and limitations. For costs and details of coverage, see your enrollment materials.Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. 2015 Cigna9
Make the most of your HSA – FamilyHSADepositContributions(from you orinVentiv) can beused to pay forqualified healthexpenses orsaved to pay forfuture healthexpenses 800PLAN PAYS80% YOUYOU PAYPLAN100% 2,45020% 3,250 6,000*ALL our deductible is included in the Out-of-Pocket MaximumIn-Network Preventive care is covered by the plan at 100%Your out-of-pocket costs may exceed the amount shown if you choose to receive care out-of-network. All plans have exclusions and limitations. For costs and details of coverage, see your enrollment materials.Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. 2015 Cigna10
Are you eligible to participate?Because HSA plans have certain tax advantages, the IRS definesspecific rules for participation. To be eligible, you: Must be enrolled in an IRS-qualified high-deductible medical plan (high-deductiblemedical plans offered with Cigna Choice Fund HSA meet IRS requirements) Cannot have any other health coverage– Not covered by spouse’s medical or pharmacy plan– Not covered through Medicare Part A or Part B– Not covered through a general-purpose Flexible Spending Account (FSA) plan(either employer’s or spouse’s) Cannot be claimed as a dependent on another person’s tax returnConfidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. 2015 Cigna11
Your HSA maximum contributionThe IRS has set the following annual limits for 2016:Under age 55 and not enrolled in Medicare (based on a 12-month period): Up to 3,350 individual coverage* Up to 6,750 family coverage*Age 55 or older: Maximum contribution increases by 1,000 (considered a “catch-up” contribution) Up to 4,350 individual coverage* Up to 7,750 family coverage*To make the maximum contribution in a calendar year, you must: Meet all requirements to be eligible for HSA contributions on January 1 Remain qualified through December 1 If these criteria are not met, maximum contribution is prorated if 1/12 maximum contribution for each month then individual is qualified*Contributions to your HSA that you receive from your employer and incentives count toward your maximum.Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. 2015 Cigna12
Your HSA saving and investment features 2,000 minimum in HSA to invest Self directed brokerage option powered by TD Ameritrade (trading fees may apply). Mutual Fund selection option managed by DEVENIR Tax-free growth of interest or investment earnings* For either investment option, integrated, online access to trading, balance information,and much more is available on the HSA Bank website via myCigna.comInvestments are subject to market fluctuation, investment risk, and possible loss of principal. You are urged to consult a professional financial advisor and tax advisor prior toexercising any investment options.*HSA contributions and earnings are not subject to federal taxes and not subject to state taxes in most states. A few states do not allow pretax treatment of contributions orearnings. Please consult your personal tax advisor or contact your plan administrator for information about your state.Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. 2015 Cigna13
How your medical claims are paidSick visit toan in-networkdoctor/hospital/facility – receivediscounted ratefor Cigna plan.Cigna receives theclaim from doctorand processes itbased on theHSA-qualified plandeductible, coveredexpenses andCigna-negotiateddiscounts.If you opt to haveyour claims displayedon the HSA Bank site,you can then elect tohave all or some of yourclaims paid directlyfrom your HSA.If not, you have theoption to pay the doctorbill using your HSA(debit card/checkbook/online billpay/fund transfer) orpay out of pocket.Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. 2015 CignaCigna provides anexplanation ofbenefits or EOB(“receipt”)showing: doctor’sfee, Cigna discount,amount billed by thehealth care plan,amount paid todoctor and what yousaved.Balance andtransactionavailable: On mycignaviamyCigna.comor themyCignaMobile App By email alert By callingCignacustomerservice24/7/36514
Helping you understand and trackyour health care expensesYour 24/7 online health account management Review your plan coverage Check available balances Track claims and payments Get HSA bank account information Manage investment accounts vialink toConfidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. 2015 Cigna15
meet Karen Single, mid-50s Heart Disease; controllingthrough medication Looking to save money for future expensesHere’s how the Cigna Choice Fund HSA works for KarenYear 1inVentiv’s contribution 300Karen’s pre-tax HSA ContributionHSA Total 3,050rlos’ beginning 3,350Karen receives annual preventive care12 Generic RxShe visits two specialistsER Visit 0 288 300 2,000Medical & Rx expenses 2,588DeductibleRemaining costsKaren’s health plan pays 80%Karen pays her 20% coinsurance– 1,750 838– 670.40– 167.60Karen’s total out-of-pocket costs for the year 1,917.60Karen’s ending HSA balance 1,432.40Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. 2015 Cigna16
meet the Coopers Active Family of four Daughter has DiabetesHere’s how the Cigna Choice Fund HSA works for the CoopersYear 1inVentiv’s contribution 800Coopers pre-tax HSA ContributionHSA Total 5,950os’ beginning 6,750All four receive annual preventive careDaughter has 12 doctors visits14 PrescriptionsLab Work throughout the year to manage diabetes 0 3,000 2,500 2,000Medical & Rx expenses 7,500DeductibleRemaining costsCoopers health plan pays 80%Coopers pays their 20% coinsurance– 3,250 4,250– 3,400– 850Coopers total out-of-pocket costs for the year 4,100Coopers ending HSA balance 2,650Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. 2015 Cigna17
Planning for your medical expensesCigna Choice Fund with HSASingleEE SP orEE CHFamily 1,750 3,250 3,250 3,000In-network 4,000Out-of-network 6,000In-Network 8,000Out-of-Network 6,000In-network 8,000Out-of-networkHSA contribution frominVentiv 300 550 800Maximum Contributionallowed by IRSincluding contributionfrom inVentiv 3,350 6,750 ocketmaximumLifetime maximum*If you choose to receive care outside of your plan’s network, only covered expenses willbe applied to your deductible – subject to your plan’s Maximum Reimbursable Chargeprovisions. See your enrollment materials for more information about costs and detailsabout covered and non-covered services, including plan exclusions and limitations.Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. 2015 Cigna18
CIGNA CHOICE FUND HEALTH REIMBURSEMENTACCOUNTYour health plan plus a health reimbursement account1/1/2016-12/31/2016Offered by Cigna Health and Life Insurance Company or Connecticut General Life Insurance Company864800 b 06/15
Cigna Choice FundHealth Reimbursement Account (HRA)Health Plan: Open Access Plus(OAP) 802,700 Doctors/Spec 15,200 FacilitiesDeductibles:Preventive care**: 1,750Covered atIndividual100% 2,500 ee sp Or (in-network)ee child(ren) 3,250Family*Network size based on Cigna directory data as of October 2014 and is subject to change.Pharmacy***:Coverage providedby Express Scripts.HRA rollover:100% of remainingbalance up to thefollowing max: 5,000 IndividualPharmacy expenses 4,500 EE SP orAccumulate to theEE Child(ren)overall plan Out-of- 4,000 FamilyPocket Maximumpc**Some preventive services may not be covered under your plan. For example, immunizations for travel are generally not covered. Other non-covered preventive services/supplies may include anyservice or device that is not medically necessary or services/supplies that are unproven (experimental or investigational). See your enrollment materials for details.[***Health benefit plans vary, but in general to be eligible for coverage a drug must be approved by the Food and Drug Administration (FDA), prescribed by a health care professional, purchased froma licensed pharmacy and medically necessary. If your plan provides coverage for certain prescription drugs with no cost-share, you may be required to use an in-network pharmacy to fill theprescription. If you use a pharmacy that does not participate in your plan’s network, your prescription may not be covered, or reimbursement may be limited by your plan’s copayment, coinsurance ordeductible requirements. See your enrollment materials for details.]Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. 2015 Cigna20
How your HRA works- IndividualHRAinVentivContributionPlan Pays 40080%(Individual) Your RemainingDeductible: 1,350PLAN100%YOU PAY20% 1,750 3,000*ALL our deductible is included in the Out-of-Pocket MaximumIn-Network Preventive care is covered by the plan at 100%*Includes deductible. Your out-of-pocket costs may exceed the amount shown if you choose to receive care out-of-network. All plans have exclusions and limitations. For costs and details of coverage, see your enrollment materials.Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. 2015 Cigna21
How your HRA works-EE Spouse or EE Child(ren)HRAinVentivContributionPlan Pays 900Your RemainingDeductible:80% PLAN100%YOU PAY 1,60020% 2,500 4,500*ALL our deductible is included in the Out-of-Pocket MaximumIn-Network Preventive care is covered by the plan at 100%*Includes deductible. Your out-of-pocket costs may exceed the amount shown if you choose to receive care out-of-network. All plans have exclusions and limitations. For costs and details of coverage, see your enrollment materials.Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. 2015 Cigna22
How your HRA works- FamilyHRAinVentivContributionPlan Pays 1,400Your RemainingDeductible:80% PLAN100%YOU PAY 1,85020% 3,250 6,000*ALL our deductible is included in the Out-of-Pocket MaximumIn-Network Preventive care is covered by the plan at 100%*Includes deductible. Your out-of-pocket costs may exceed the amount shown if you choose to receive care out-of-network. All plans have exclusions and limitations. For costs and details of coverage, see your enrollment materials.Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. 2015 Cigna23
How your medical claims are paidSick visit to anin-networkdoctor/hospital/facility – receivediscounted ratefor Cigna plan.Cigna receives theclaim from yourdoctor andprocesses it basedon the HRA plandeductible, coveredexpenses andCigna-negotiateddiscounts.With AutoPay,Cigna automaticallypays the doctorfrom your HRA.If there isn’t enough tocover the total cost,you may need to paywith personal funds.Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. 2015 CignaAn explanationof benefits (EOB)shows: Doctor’sfee, Cigna discount,amount billed,amount deductedfrom HRA, amountpaid, remaining HRAbalance, and whatyou saved. EOBpreference settings(mail or electronic)are onmyCigna.com.Balance and transactioninformation available: On myCigna – viamyCigna.com or themyCigna Mobile App By email alert By calling Cignacustomer service usingthe number on the back ofyour ID card – 24/7/36524
meet Carlos Single, mid-30sWorks and plays hardHealthyOccasional sports injuryHere’s how the Choice Fund HRA works for CarlosCarlos’ beginning HRA balanceYear 1 400Carlos receives an annual preventive care exam, from his in-network doctor,that’s covered 100% by his health plan.He also receives care for his sports injuries, including an urgent care visit. 0 200 (applied to the deductible)Medical expenses 200The HRA pays firstCarlos pays– 200 0Carlos’ ending HRA balance 200Carlos’ fund balance to carry over to next year’s HRA 600This is an example used for illustrative purposes only.Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. 2015 Cigna25
meet Carlos Single, mid-30sWorks and plays hardHealthyOccasional sports injuryHere’s how the Choice Fund HRA works for CarlosYear 2Carlos’ carryover from year 1Employer’s cont
YOUR CIGNA PLAN OFFERINGS Plan year: January 1, 2016-December 31, 2016 Open Enrollment: November 2-November 20 Offered by Cigna Health and Life Insurance Company, Connect
