smile We give you more reasons to

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "smile We give you more reasons to"

Transcription

1 CIGNA Dental refers to the following operating subsidiaries of CIGNA Corporation: Connecticut General Life Insurance Company, and CIGNA Dental Health, Inc., and its operating subsidiaries and affiliates. The CIGNA Dental Care plan is provided by CIGNA Dental Health Plan of Arizona, Inc., CIGNA Dental Health of California, Inc., CIGNA Dental Health of Colorado, Inc., CIGNA Dental Health of Delaware, Inc., CIGNA Dental Health of Florida, Inc., a Prepaid Limited Health Services Organization licensed under Chapter 636, Florida Statutes, CIGNA Dental Health of Kansas, Inc. (Kansas and Nebraska), CIGNA Dental Health of Kentucky, Inc., CIGNA Dental Health of Maryland, Inc., CIGNA Dental Health of Missouri, Inc., CIGNA Dental Health of New Jersey, Inc., CIGNA Dental Health of New Mexico, Inc. (Albuquerque and Santa Fe), CIGNA Dental Health of North Carolina, Inc., CIGNA Dental Health of Ohio, Inc., CIGNA Dental Health of Pennsylvania, Inc., CIGNA Dental Health of Texas, Inc., and CIGNA Dental Health of Virginia, Inc. In other states, the CIGNA Dental Care plan is underwritten by Connecticut General Life Insurance Company or CIGNA HealthCare of Connecticut, Inc. and administered by CIGNA Dental Health, Inc. The CIGNA Dental PPO is underwritten or administered by Connecticut General Life Insurance Company with network management services provided by CIGNA Dental Health, Inc., and certain of its operating subsidiaries. C I G N A D E N T A L We give you more reasons to / CIGNA /04

2 More benefits, more choice and more satisfaction. With CIGNA Dental, satisfaction and healthy teeth go hand in hand. With comprehensive networks, innovative products and dedicated experts all leading to service excellence and satisfaction. When you choose CIGNA Dental, you choose one of the most experienced and innovative dental benefits companies in the industry. With more than 125 years of experience in employee health benefits, CIGNA was one of the first insurance companies to offer dental Indemnity introducing its first plan in A CIGNA Dental predecessor formed the first Dental HMO in 1974, and in 1984, we became the first national carrier to enter the Dental HMO market. We believe that a successfully managed dental care program is built on: Long-term relationships, mutual rewards and common goals; A commitment to the practice of good dentistry; Respect for our network providers freedom to exercise sound professional judgment; and Quality patient care provided in a supportive atmosphere. This means you can count on us to continue to attract members and maintain rewarding relationships with our network dental providers. Our philosophy stresses the importance of preventive dentistry and early intervention in the disease process. This process benefits both our members and the dentists who provide care. You have so many choices. Today, CIGNA Dental meets the dental coverage needs of 11 million members, the employer needs of more than one-third of all Fortune 100 companies, and our constantly evolving dental plans are brought to tens of thousands of dentists across the United States. Did you know that it takes 26 muscles to and 62 muscles to frown. 1

3 Broad, Comprehensive Networks Flexible, Innovative Products When you choose CIGNA Dental, you gain access to some of the largest, most comprehensive dental provider networks We are one of only two carriers to offer Indemnity, Dental PPO (DPPO) and Dental HMO (DHMO) plans nationwide. Consider the breadth, depth and quality of our networks: When you choose CIGNA Dental, you get more than most competitors offer. We offer a variety of dental plan products one is sure to meet your needs. And you can purchase CIGNA Dental products as stand alone products or integrated with CIGNA medical products. in the nation. Because of our breadth and nationwide scope, not only can we offer our members access to a large number of dentists and services, we are able to offer some of the industry s most competitive discounts. These savings are passed along to you and, in turn, your employees. Our Dental PPO members, for example, will generally pay 30% less when DPPO network dentists are used because network dentists agree not to bill members for the difference between plan payments and their usual fees. Our DHMO has more than 23,000 participating dentists nationally making it the largest in the country. DHMO networks are offered in 39 states and 94% of enrolled members have at least two network general dentist offices within 10 miles. Our DPPO has nearly 70,000 participating dentists nationally and is growing fast. Our DPPO product is available in all 50 states and 84% of members have at least two network dentists within 10 miles. Our CIGNAPlus Savings SM product is powered by Dental Network Access with nearly 60,000 participating dentists nationally. On average, dentists in the DHMO and DPPO networks have been in practice 18-to-20 years. And more than 78% of the general dentists who joined the DPPO network upon inception are still with us today. In addition, our DPPO dentists are contracted directly by CIGNA Dental without complicated subcontracting or CIGNA Dental Care Dental HMO Size: One of the largest national Dental HMO networks with more than 23,000 dentists in 39 states. Flexibility: Each family member can choose his or her own network dentist. Second opinions are available at no charge when we arrange them, and there are no claim forms or waiting periods. Savings: Highest level of coverage available through CIGNA Dental, with significant savings for you and your employees. Premium costs are 30-40% lower than traditional indemnity plans. No copayments are required for most diagnostic and preventive care, and there are no deductibles or dollar maximums. CIGNA Dental PPO Size: Nearly 70,000 dentists and growing in 50 states. Flexibility: In- and out-of-network benefits are available. Each time your employees need care, they have a choice, and no referrals are needed to visit specialists. CIGNA Traditional Dental Indemnity Size: Employees can visit any licensed dentist or specialist. Flexibility: No network restrictions. Employers can choose different levels of deductibles or waiting periods. Savings: Emphasis is on access versus savings; however, many diagnostic and preventive services are provided at low or no cost. And our review of claims for utilization management saves employers significant money. CIGNAFlex Advantage SM Our Innovative Feature Size: Maximum choice with access to both DHMO and DPPO networks. Flexibility: When an employer purchases both CIGNA Dental HMO and CIGNA Dental PPO or Indemnity with the (CIGNAFlex Advantage SM ) feature, members are allowed to switch between the two products throughout the year, with no penalties. Savings: Most cost-effective way for employers to offer their employees more options and flexibility. recontracting arrangements through a third-party. Savings: Using network dentists, employees pay on average 30% less and are never balance-billed for services. Everyone s in the same language. With its products, CIGNA Dental offers a wide variety of funding options, including fully insured, experience rated, ASO and minimum premium. We also offer employer funded, shared funded and voluntary benefit cost sharing options. There s a CIGNA network dentist near you. 2 3

4 Dedicated Experts Who Care When you choose CIGNA Dental, you choose a company that can offer you some of the most comprehensive dental networks and innovative dental plans. You also choose an experienced account team dedicated to client service. Our Dental Account Consultants have an average of 10 years experience. You can depend on your CIGNA team for: Reporting Based on the products you select, a wide variety of reports are available to you. Many of these reports are available online through CIGNAaccess.com. Our experts work with our customers to create the reporting package that best meets their needs. Network Management Resources CIGNA Dental is an industry leader because we are able to take the strength and expertise we have as a national competitor and give it the local-market focus and attention our customers and members require. We work to provide specialized network recruiting where you need it most, utilizing the expert resources of nearly 60 network management professionals, including 26 field-based network managers, who focus on retaining and growing our networks, and helping to make sure that our members dental office experiences are of the highest quality. Clinical Resources A team of 25 licensed dentists, employed by or under contract with CIGNA Dental, conduct professional claim utilization review an approach that helps ensure a consistent, quality decisionmaking process. In 2003, our advanced claim systems and professional review process saved our Dental PPO and indemnity clients more than $1.4 billion. We re here for you. Our producers too. A recent producer survey identified CIGNA Dental as the best carrier for our account management team and consultative renewal process. Nine out of 10 producers rank our existing business sales team as good to excellent. 80% state that we are consultative at renewal. Taking advantage of CIGNA Capabilities Our focus is on early identification of potential medical conditions. For example, research shows us that employees miss 32 million workdays each year due to dental disease. CIGNA Dental is able to identify dental members who have recently been treated for gum disease. If those members also have CIGNA medical benefits, we can provide that data to clinical staff for disease management (diabetes and cardiac) and case management (pregnancy). Why? Because of the known correlation between periodontal disease and medical conditions. CIGNA products include medical, pharmacy, behavioral health and vision benefits as well as group disability, life and accident insurance. All CIGNA products can be purchased together or on their own. 4 5

5 Commitment to Service Excellence The foundation of CIGNA Dental service excellence is the expertise of our employer and member service representatives. For example, many of our PPO and Indemnity claim processors have been with CIGNA Dental for more than nine years. The experience and dedication of our employees translates into higher satisfaction. Consider this: FOR MEMBERS Member Service Capabilities Our members can reach live service representatives via a toll-free 800-number from 8 a.m. to 6 p.m. across time zones. In addition, members can be assisted 24/7days, a week through our: Toll-free Voice Response Unit; Online or fax capabilities for network information; and Secure member Web site, mycigna.com, where members can: Access and review personalized dental information; Locate participating dentists; Access dental health news and forms; Check the status of a claim; and Order a new I.D. card Value Added Member Discounts CIGNA Dental members have access to CIGNA Healthy Rewards, a program offering discounts on an array of services, including but not limited to, acupuncture, chiropractic, laser vision and massage therapy services, weight management and smoking cessation programs. Member Service Metrics CIGNA Dental service representatives pride themselves on working to meet and exceed their service goals: 98% claims processing accuracy (goal of 95%) 99.6% claims financial accuracy (goal of 99%) 96.7% of claims processed within 10 days (goal of 90%) 92.4% of incoming calls resolved within the first call (goal of 90%) 23 seconds average speed of answer (goal of 30) Member Satisfaction Scores We conduct regular member satisfaction surveys. Here s what our members are saying: For DPPO: Convenient appointment 99% of respondents gave a favorable rating, and 95% strongly agree or agree. Appropriate treatment 99% of respondents gave a favorable rating, and 97% strongly agree or agree. Overall satisfaction 93% of respondents gave a favorable rating, and 78% strongly agree or agree. And nearly 100% of respondents would recommend their dental office to a friend or relative. For DHMO: Convenient appointment 92% of respondents gave a favorable rating, and 83% strongly agree or agree. Appropriate treatment 93% of respondents gave a favorable rating, and 86% strongly agree or agree. Overall satisfaction 91% of respondents gave a favorable rating, and 75% strongly agree or agree. And 85% of respondents would recommend their dental office to a friend or relative. FOR EMPLOYERS CIGNA Dental has field-based service, sales and client management teams located across the United States, all focused on meeting the needs of its employer clients. Team members average 10 years of dental client management experience. We are committed to providing our clients with online capabilities that: Simplify their benefits administration; Optimize expenditures; and Improve the quality of their employees health experiences. Clients are assigned account management teams to: Provide dedicated on-site enrollment support and customized installation; Review clinical results, trends and recommendations; Recommend employee education communications; Resolve customer quality and/or service issues; Resolve customer service questions; and Offer a resource to listen to suggestions and discuss new programs. Did you know that more than 92% of adults agree that an attractive is an important social asset, and it also encourages a in return. 100% 80% 60% 40% 20% 0% 99% 95% DPPO 99% 97% 93% 92% 78% 83% Convenient Overall appointment satisfaction Appropriate treatment DHMO 93% 91% 86% 75% Convenient Overall appointment satisfaction Appropriate treatment We can help make you happy and healthier. Favorable Strongly agree/agree 6 7

6 Six Sigma project initiatives Six Sigma emphasizes producing better, faster and lower cost products and services than the competition and stresses breakthrough improvement for enhanced bottom line results. Nearly 100 of our employees have certified Six Sigma belt status, ranging from black belt to yellow belt, with significant training around process improvement. As a result, we ve seen: Four completed projects in 2003 achieved $3 million in annualized savings versus an original target of $2.4 million projects are under way with projected savings of $995 thousand. Customer metrics with sustained improvements from baseline metrics in April 2003: DHMO average hold time reduced (from 312 seconds to 281 seconds in May 2004). DHMO average call waiting reduced (from 97 seconds to 63 seconds in May 2004). Pended Claims aging volume reduced (pended volume reduced by 50%). Front-end Claims Processing time reduced (from 13 work days to fewer than 10 work days). FOR DENTISTS/PROVIDERS Value Added Dentist Discounts This program is a unique feature of CIGNA Dental. Dentists have access to valuable discounts ranging from 5% to 25% on products and services such as continuing education, dental supplies, travel services, and biological and radiological monitoring. Integrated Quality Management Program Our Integrated Quality Management Program drives overall quality and better outcomes across our entire network. Additionally, for our closed panel product (DHMO), we perform on-site reviews of all CIGNA Dental Care network general dentists offices at least every three years. These are on-site clinical audits using licensed dentists to perform the reviews. The world always looks brighter from behind a. 8

Improved Health and Lower Medical Costs: Why good dental care is important

Improved Health and Lower Medical Costs: Why good dental care is important Improved Health and Lower Medical Costs: Why good dental care is important A white paper 840121 12/10 Research continues to associate oral health with overall health. Gum disease may have a potentially

More information

CIGNA Small Group Business

CIGNA Small Group Business HEALTH BENEFIT SOLUTIONS 806774 11/06 CIGNA HEALTHCARE. PROTECTING THE HEALTH OF SMALL GROUPS IN A BIG WAY. Business owners with 50 or fewer employees face a big decision. How can they provide their employees

More information

Welcome to Your Texas A&M System Dental Benefits Program

Welcome to Your Texas A&M System Dental Benefits Program Welcome to Your Texas A&M System Dental Benefits Program The Benefits of Choice Two great Delta Dental options to choose from Choose between the A&M Dental PPO plan and the DeltaCare USA DHMO Enrollment

More information

ID THEFT RESOLUTION PROGRAM Program Description for CIGNA Life, Accident and Disability Customers

ID THEFT RESOLUTION PROGRAM Program Description for CIGNA Life, Accident and Disability Customers ID THEFT RESOLUTION PROGRAM Program Description for CIGNA Life, Accident and Disability Customers What is Identity Theft? Identity Theft occurs when someone uses your personal identifying information,

More information

How can I reach you when I need help?

How can I reach you when I need help? M-NCPPC Why choose CIGNA? 2 How can I reach you when I need help? Call us anytime day or night live, 24/7 customer service Find information when you need it at mycigna.com We speak many languages For

More information

Federal Employees Dental and Vision Insurance Program

Federal Employees Dental and Vision Insurance Program Federal Employees Dental and Vision Insurance Program The Federal Employees Dental and Vision Insurance Program (FEDVIP) is a supplemental dental and vision program authorized by the Federal Employee Dental

More information

Medicare Advantage Plan Landscape Data Summary

Medicare Advantage Plan Landscape Data Summary 2013 Medicare Advantage Plan Landscape Data Summary Table of Contents Report Overview...3 Medicare Advantage Costs and Benefits...4 The Maximum Out of Pocket (MOOP) Benefit How It Works...4 The Prescription

More information

Medicare Advantage Plans

Medicare Advantage Plans 2016 BlueCross BlueShield of Western New York Medicare Advantage Plans Gloria and Anai, Members Y0086_MRK1528rev2 Accepted The benefits of Blue Understanding Medicare and choosing a health plan are not

More information

dental plans for employees and their families

dental plans for employees and their families dental plans for employees and their families Dental exams can detect serious illnesses Dental coverage isn t just about a nicer smile. Better overall health begins with routine oral exams, which help

More information

YOUR CIGNA CHOICE FUND HEALTH SAVINGS ACCOUNT

YOUR CIGNA CHOICE FUND HEALTH SAVINGS ACCOUNT YOUR CIGNA CHOICE FUND HEALTH SAVINGS ACCOUNT Your health plan plus a Health Savings Account PLAN YEAR: July 2014 Town of Simsbury and Board of Education 838559 d Offered by: Connecticut General Life Insurance

More information

Medicaid Topics Impact of Medicare Dual Eligibles Stephen Wilhide, Consultant

Medicaid Topics Impact of Medicare Dual Eligibles Stephen Wilhide, Consultant Medicaid Topics Impact of Medicare Dual Eligibles Stephen Wilhide, Consultant Issue Summary The term dual eligible refers to the almost 7.5 milion low-income older individuals or younger persons with disabilities

More information

Blue Solutions Specialty Services

Blue Solutions Specialty Services Blue Solutions Specialty Services For small employers Offer your employees the most comprehensive benefits package Adult Dental Plans Accident & Critical Illness Insurance Global Travel Insurance ibx.com/bluesolutions

More information

for patients, for families,

for patients, for families, Cigna Cancer Support Program for patients, for families, for every step of the way Approximately half of all men and one third of all women in the United States will face cancer in their lifetime. 1 Offered

More information

Individual Dental and Term Life Insurance. Nevada

Individual Dental and Term Life Insurance. Nevada Individual Dental and Term Life Insurance Nevada AGENDA Term Life Insurance The case for life insurance Why Anthem Life Insurance Company? Eligibility Pricing Services for beneficiaries It s easy to apply

More information

What Every Small Business Needs to Know About Consumer-Driven Health Plans

What Every Small Business Needs to Know About Consumer-Driven Health Plans What Every Small Business Needs to Know About Consumer-Driven Health Plans Section Get to the bottom of Consumer-Driven Health plans 2 Table of Contents The Purpose of this Handbook 3 UnitedHealthcare

More information

Individual Dental and Term Life Insurance. Colorado

Individual Dental and Term Life Insurance. Colorado Individual Dental and Term Life Insurance Colorado AGENDA Term Life Insurance The case for life insurance Why Anthem Life Insurance Company? Eligibility Pricing Services for beneficiaries It s easy to

More information

Preferred Provider Organization (PPO) Plans

Preferred Provider Organization (PPO) Plans CENTERS FOR MEDICARE & MEDICAID SERVICES Your Guide to Medicare s Preferred Provider Organization (PPO) Plans This official government booklet has important information about the following: Understanding

More information

Aetna Affordable Health Choices SM

Aetna Affordable Health Choices SM Aetna Affordable Health Choices SM A limited accident and sickness insurance plan designed for hourly, part-time or other employees without benefits 12.02.101.1 (9/05) A The Benefits of Aetna Affordable

More information

Market yourself & grow your business with these FREE sales & marketing tools! Compliments of HealthPlan Services

Market yourself & grow your business with these FREE sales & marketing tools! Compliments of HealthPlan Services Market yourself & grow your business with these FREE sales & marketing tools! Compliments of HealthPlan Services Choose up to 3 of the following marketing templates with your small group trust dental quote.

More information

plans are available to groups from 3 to 99 lives!

plans are available to groups from 3 to 99 lives! Featured Carriers Aetna Building on its 150-year heritage, Aetna is one of the nation s leading providers of health, dental, group, life, disability, and long-term care benefits. They provide benefits

More information

Dental Insights. How Today s Managed Dental Plans Can Add Real Value

Dental Insights. How Today s Managed Dental Plans Can Add Real Value How Today s Managed Dental Plans Can Add Real Value Managed Dental Plans like Dental HMOs tend to be viewed as the low-cost option for dental benefit plans, but this type of plan can make a big impact

More information

All Savers Dental, Vision and Life Insurance Plans

All Savers Dental, Vision and Life Insurance Plans All Savers Dental, Vision and Life Insurance Plans Employer product overview Dental insurance Dental Preferred Provider Organization (PPO) Plan Unlimited choices. Significant savings. Yours with the PPO

More information

What every small business owner needs to know about consumer-directed plans

What every small business owner needs to know about consumer-directed plans What every small business owner needs to know about consumer-directed plans Section Get to the bottom of Consumer-Driven Health plans d Table of Contents The Purpose of this Handbook 3 UnitedHealthcare

More information

2014 New York Small Group (1-50) Health Plan Portfolio (Oxford Product Offerings) Robust Benefits, Broad Network, Innovative Online Tools

2014 New York Small Group (1-50) Health Plan Portfolio (Oxford Product Offerings) Robust Benefits, Broad Network, Innovative Online Tools 2014 New York Small Group (1-50) Health Plan Portfolio ( Product Offerings) Robust Benefits, Broad Network, Innovative Online Tools Offering a variety of plan designs, ranging from open access to primary

More information

Integrated Disability and Family Medical Leave

Integrated Disability and Family Medical Leave Financial Protection The Bridge2Health difference Integrated Disability and Family Medical Leave Helping you achieve better employee health and a healthier bottom line. A proven way to shorten disability

More information

Workers Compensation Small Medical-Only Claims: Should an employer pay them or turn them in to the insurance company?

Workers Compensation Small Medical-Only Claims: Should an employer pay them or turn them in to the insurance company? Workers Compensation Small Medical-Only Claims: Should an employer pay them or turn them in to the insurance company? by Maureen Gallagher The most common question an insurance agent gets from employers

More information

SOCA. Health insurance designed specifically for small businesses with 51-99 eligible employees.

SOCA. Health insurance designed specifically for small businesses with 51-99 eligible employees. SOCA Health insurance designed specifically for small businesses with 51-99 eligible employees. UnitedHealthcare and SOCA: Working together to bring health coverage solutions to small businesses. The Southern

More information

Blue Solutions Plus Specialty Services. Add specialty products to complement your health benefits

Blue Solutions Plus Specialty Services. Add specialty products to complement your health benefits Blue Solutions Plus Specialty Services Add specialty products to complement your health benefits Add specialty products to your benefits for healthier outcomes and productive employees You want to offer

More information

how to choose the health plan that s right for you

how to choose the health plan that s right for you how to choose the health plan that s right for you It s easy to feel a little confused about where to start when choosing a health plan. Some people ask their friends, family, or co-workers for advice.

More information

YOUR CIGNA CHOICE FUND HEALTH SAVINGS ACCOUNT

YOUR CIGNA CHOICE FUND HEALTH SAVINGS ACCOUNT YOUR CIGNA CHOICE FUND HEALTH SAVINGS ACCOUNT Your health plan plus a Health Savings Account PLAN YEAR: January 1,2014 838559 d Offered by: Connecticut General Life Insurance Company or Cigna Health and

More information

Learn with Anthem Understanding Your Out Pocket Expenses

Learn with Anthem Understanding Your Out Pocket Expenses Learn with Anthem Understanding Your Out Pocket Expenses 1 Key terms Deductible The amount you pay each year before your plan starts to pay Copay A flat fee you pay for covered services like doctor visits

More information

Specialty Benefit Solutions Member Benefits Guide

Specialty Benefit Solutions Member Benefits Guide Specialty Benefit Solutions Member Benefits Guide Understanding your Specialty Benefit Solutions (SBS) ID card Your personal Member ID card contains valuable information for utilizing your Specialty Benefit

More information

Wright State University. How to Get the Most Out of Your Medical & Pharmacy Plans

Wright State University. How to Get the Most Out of Your Medical & Pharmacy Plans Wright State University How to Get the Most Out of Your Medical & Pharmacy Plans Strength in numbers And when you combine that with the power of Blue, we re virtually unstoppable 97% of hospitals 92% of

More information

Small Business Solutions

Small Business Solutions Small Business Solutions Dental Benefits and Insurance Plan Options Florida Dental benefits plans and dental insurance plans are offered, underwritten or administered by Aetna Life Insurance Company (Aetna).

More information

(In effect as of January 1, 2004*) TABLE 5a. MEDICAL BENEFITS PROVIDED BY WORKERS' COMPENSATION STATUTES FECA LHWCA

(In effect as of January 1, 2004*) TABLE 5a. MEDICAL BENEFITS PROVIDED BY WORKERS' COMPENSATION STATUTES FECA LHWCA (In effect as of January 1, 2004*) TABLE 5a. MEDICAL BENEFITS PROVIDED BY WORKERS' COMPENSATION STATUTES Full Medical Benefits** Alabama Indiana Nebraska South Carolina Alaska Iowa Nevada South Dakota

More information

Cigna Open Access Plans for Tennessee

Cigna Open Access Plans for Tennessee Individual & Family Plans Insured by Connecticut General Life Insurance Company Cigna Open Access Plans for Tennessee medical & PHARMACY INSURANCE with the ONE-AND-ONLY YOU IN MIND. 858436 a 12/12 Services

More information

Medico s s Medicare Supplement Policies

Medico s s Medicare Supplement Policies Medico s s Medicare Supplement Policies Today s s Topics Who is Medico? Overview of the Medico Information Center (MIC) Overview of our Medicare Supplement Product The Basics Availability Competitive Information

More information

CALL 800-545-6441 or FAX 800-888-5608

CALL 800-545-6441 or FAX 800-888-5608 YOU SAID: Help me market myself and generate leads. WE RESPONDED: OK. How about FREE, personalized marketing tools? Choose up to three free marketing templates with your Ameritas Group, small group trust

More information

Medicare Supplement plans at a glance

Medicare Supplement plans at a glance Medicare Supplement plans at a glance Medicare Supplement plan information is effective as of January 1, 2013 S2468_12_249A CMS Accepted 09032012 blueshieldca.com/findamedicareplan Use this brochure to:

More information

A Student Health Insurance Plan Customized for You! Deadline sensitive. Brought to you by Tulane University and Aetna Student Health 2011-2012

A Student Health Insurance Plan Customized for You! Deadline sensitive. Brought to you by Tulane University and Aetna Student Health 2011-2012 A Student Health Insurance Plan Customized for You! Deadline sensitive Brought to you by Tulane University and Aetna Student Health 2011-2012 15.03.376.1 A Dear Student: The University requires that all

More information

Understanding the Affordable Care Act

Understanding the Affordable Care Act Understanding the Affordable Care Act The Affordable Care Act (officially called the Patient Protection and Affordable Care Act) is the law that mandates that everyone in the United States maintain health

More information

handbook PROD UCT FOOTPR INT O NLINE TOOL S SA LES CO N NECT CO NTACT

handbook PROD UCT FOOTPR INT O NLINE TOOL S SA LES CO N NECT CO NTACT FOOTPR INT O NLINE TOOL S handbook PROD UCT SA LES CO N NECT CO NTACT Product Portfolio Individual Dental and Vision Solutions Security Life s PrimeStar Dental and Vision insurance plans offer individuals

More information

Your Guide to Medicare Private Fee-for-Service Plans. Heading CENTERS FOR MEDICARE & MEDICAID SERVICES

Your Guide to Medicare Private Fee-for-Service Plans. Heading CENTERS FOR MEDICARE & MEDICAID SERVICES Heading CENTERS FOR MEDICARE & MEDICAID SERVICES Your Guide to Medicare Private Fee-for-Service Plans This official government booklet has important information about Medicare Private Fee-for-Service Plans

More information

PPACA AND THE PEDIATRIC DENTAL ESSENTIAL HEALTH BENEFIT FACT SHEET FOR HEALTH CARE PROFESSIONALS

PPACA AND THE PEDIATRIC DENTAL ESSENTIAL HEALTH BENEFIT FACT SHEET FOR HEALTH CARE PROFESSIONALS PPACA AND THE PEDIATRIC DENTAL ESSENTIAL HEALTH BENEFIT FACT SHEET FOR HEALTH CARE PROFESSIONALS April 2014 New provisions of the Patient Protection and Affordable Care Act (PPACA) became effective January

More information

CALCULATING YOUR MEDICAL PLAN CONTRIBUTIONS

CALCULATING YOUR MEDICAL PLAN CONTRIBUTIONS CALCULATING YOUR MEDICAL PLAN CONTRIBUTIONS To figure out what you must pay for medical plan coverage in 2016, just follow these steps: Step 1. Step 2. Step 3. See Step 1 below to find the City s contribution

More information

Medicare Advantage Plan Landscape Data Summary

Medicare Advantage Plan Landscape Data Summary Medicare Advantage Plan Landscape Data Summary Table of Contents Report Overview............................................ 3 Methodology............................................... 6 Medicare Advantage

More information

Specialty Benefit Solutions SM. Big company benefits for small businesses

Specialty Benefit Solutions SM. Big company benefits for small businesses Specialty Benefit Solutions SM Big company benefits for small businesses Big company benefits without the big price A simplified approach to specialty benefits Do your small business clients wish they

More information

2015 New Jersey Small Group (1-50) Health Plan Portfolio (Oxford Product Offerings) Robust Benefits, Broad Network, Innovative Online Tools

2015 New Jersey Small Group (1-50) Health Plan Portfolio (Oxford Product Offerings) Robust Benefits, Broad Network, Innovative Online Tools 2015 New Jersey Small Group (1-50) Health Plan Portfolio (Oxford Product Offerings) Robust Benefits, Broad Network, Innovative Online Tools Offering a variety of plan designs, ranging from open access

More information

A Guide to the Pediatric Dental Essential Health Benefit

A Guide to the Pediatric Dental Essential Health Benefit Learn more at www.uhc.com/reform A Guide to the Pediatric Dental Essential Health Benefit What s changing Who does it affect What you can do 100-13019 11/13 2013 United HealthCare Services, Inc. UHCEW671486-000

More information

The Health Insurance Marketplace 101

The Health Insurance Marketplace 101 The Health Insurance Marketplace 101 National Newspaper Association 127th Annual Convention & Trade Show September 13, 2013 Office of the Regional Director Community Resource California-Based Arizona,

More information

The Dental Hygiene Professional Practice Index (DHPPI) for each of the Fifty States and the District of Columbia

The Dental Hygiene Professional Practice Index (DHPPI) for each of the Fifty States and the District of Columbia The Dental Hygiene Professional Practice Index (DHPPI) for each of the Fifty States and the District of Columbia Presented by: Margaret Langelier, MSHSA Center for Health Workforce Studies School of Public

More information

WPS Individual Preferred Plans. Effective January 1, 2015. Be Happy. Live Healthy.

WPS Individual Preferred Plans. Effective January 1, 2015. Be Happy. Live Healthy. WPS Individual Preferred Plans Effective January 1, 2015 Be Happy. Live Healthy. Here for you and your peace of mind A good health plan is more than protection for your health and financial security. It

More information

Your Guide To Health Insurance Networks, Plans, and Programs - Large Group

Your Guide To Health Insurance Networks, Plans, and Programs - Large Group Your Guide To Health Insurance Networks, Plans, and Programs - Large Group AmeriHealth New Jersey and Large Groups AmeriHealth New Jersey is the only health insurer focused solely on the state of New Jersey.

More information

The Obama Administration and Community Health Centers

The Obama Administration and Community Health Centers The Obama Administration and Community Health Centers Community health centers are a critical source of health care for millions of Americans particularly those in underserved communities. Thanks primarily

More information

22690NYMENEBS Rev. 9/14. Benefits that give MTA - NYC Transit members freedom and choice

22690NYMENEBS Rev. 9/14. Benefits that give MTA - NYC Transit members freedom and choice 22690NYMENEBS Rev. 9/14 Benefits that give MTA - NYC Transit members freedom and choice Benefits that give you freedom and choice For more than 75 years, Empire BlueCross BlueShield (Empire) has provided

More information

Dental Vision Life Disability Medical

Dental Vision Life Disability Medical Dental Vision Life Disability Medical Dental Vision Life Disability Medical Who we are. BEST Life has been providing affordable group benefits to small and large employers for more than four decades. Headquartered

More information

www.ahipresearch.org

www.ahipresearch.org December 2007 Individual Health Insurance 2006-2007: A Comprehensive Survey of Premiums, Availability, and Benefits www.ahipresearch.org CONTENTS Summary...3 I. Introduction: Why Individual Health Insurance

More information

Get to know USAble Life

Get to know USAble Life Get to know USAble Life strong. stable. partner. USABLELIFE-BR (8-12) get to know us USAble Life is committed to providing our partners and our customers with well-designed products, superior service,

More information

Your Independence Blue Cross. 2016 Blue Solutions Renewal Guide. For small employers

Your Independence Blue Cross. 2016 Blue Solutions Renewal Guide. For small employers Your Independence Blue Cross 2016 Blue Solutions Renewal Guide For small employers Table of Contents Get ready to renew your health plan 3 Two ways to offer plans 4 Blue Solutions Web-based Blue Solutions

More information

Welcome to Greater Houston Builders Association

Welcome to Greater Houston Builders Association Welcome to Greater Houston Builders Association Group Health Insurance Program Quality healthcare plans at affordable rates Multiple medical, pharmacy and dental plans to choose from TXHHRV5EN 1113 GHBA

More information

Annual Notice of Changes for 2015

Annual Notice of Changes for 2015 Cigna HealthSpring Premier (HMO POS) offered by Cigna HealthSpring Annual Notice of Changes for 2015 You are currently enrolled as a member of Cigna HealthSpring Premier (HMO POS). Next year, there will

More information

The Plan for Better Health For your business, for your employees

The Plan for Better Health For your business, for your employees The Plan for Better Health For your business, for your employees The Coventry Difference 2 Coventry Financials 3 Provider Network 4 The Right Plan For Your Business 5 Coventry Complete Care 6 Coventry

More information

University of Arizona Integrative Health Center

University of Arizona Integrative Health Center University of Arizona Integrative Health Center Frequently Asked Questions created for Maricopa County Employees 1. What is the Integrative Health Center? The University of Arizona Integrative Health Center

More information

Information. 2013 Additional

Information. 2013 Additional 2013 Additional Information Additional information about covered benefits available under the Health Net Ruby Select (HMO), Health Net Seniority Plus Ruby Plan 1 (HMO) and Health Net Seniority Plus Ruby

More information

group insurance Portfolio for 10 or more employees Companion Commitment positioned to exceed expectations.

group insurance Portfolio for 10 or more employees Companion Commitment positioned to exceed expectations. group insurance Portfolio for 10 or more employees positioned to exceed Companion Commitment expectations. understanding perspective creates Companion Commitment opportunity. Support. Service. Innovation.

More information

get more customers who need more, Cigna Dental Oral Health Integration Program

get more customers who need more, Cigna Dental Oral Health Integration Program Cigna Dental Oral Health Integration Program customers who need more, get more For eligible Cigna Dental customers. The Cigna Dental Oral Health Integration Program was first to enhance dental coverage

More information

Aetna Affordable Health Choices SM Plan Brochure

Aetna Affordable Health Choices SM Plan Brochure Aetna Affordable Health Choices SM Plan Brochure CoWorx Staffing Services, LLC Affordable Premiums Family Coverage Available Enroll Today! Call SRC toll-free at 1-888-772-9682 Monday-Friday, 8 a.m. to

More information

2015 New York Small Group (1-50) Health Plan Portfolio (Oxford Product Offerings) Robust Benefits, Broad Network, Innovative Online Tools

2015 New York Small Group (1-50) Health Plan Portfolio (Oxford Product Offerings) Robust Benefits, Broad Network, Innovative Online Tools 2015 New York Small Group (1-50) Health Plan Portfolio (Oxford Product Offerings) Robust Benefits, Broad Network, Innovative Online Tools Offering a variety of plan designs, ranging from open access to

More information

Health Plan Comparison

Health Plan Comparison A healthier bottom line. For Agent Use Only Starmark Healthy Incentives Health Plan Comparison Self-Funded Health Plans Specifically for Businesses With Five or More Employees PPO Indemnity CDHP PPO CDHP

More information

Tax Research: Understanding Sources of Tax Law (Why my IRC beats your Rev Proc!)

Tax Research: Understanding Sources of Tax Law (Why my IRC beats your Rev Proc!) Tax Research: Understanding Sources of Tax Law (Why my IRC beats your Rev Proc!) Understanding the Federal Courts There are three levels of Federal courts that hear tax cases. At the bottom of the hierarchy,

More information

PPO vs. HMO. Benefits and Disadvantages of PPO and HMO Health Plans

PPO vs. HMO. Benefits and Disadvantages of PPO and HMO Health Plans Keywords: PPO Rehab Treatment, PPO Detox Treatment, PPO Mental Health, PPO Substance Abuse, HMO Rehab Treatment, HMO Detox Treatment, HMO Mental Health, HMO Substance Abuse, PPO vs. HMO, Choosing Insurance

More information

An Essential Part of Your Overall Health

An Essential Part of Your Overall Health 2016 BLUE CROSS DENTAL Individual & FamilY PLANS An Essential Part of Your Overall Health Studies have shown that proper dental care affects far more than your teeth. In fact, gum disease a condition that

More information

2010 SUMMARY OF BENEFITS

2010 SUMMARY OF BENEFITS 2010 SUMMARY OF BENEFITS First Health Part D PDP S5768 C0002_10PDP_230_SB _FH _LA CMS File and Use: 10/02/2009 FH10SB21 Section I Introduction To Summary of Benefits Thank you for your interest in First

More information

Enjoy the extras at no extra cost

Enjoy the extras at no extra cost Quality health plans & benefits Healthier living Financial well-being Intelligent solutions Enjoy the extras at no extra cost Aetna Dental Programs and Discounts www.aetna.com 00.02.335.1 G (8/14) Aetna

More information

STATISTICAL BRIEF #273

STATISTICAL BRIEF #273 STATISTICAL BRIEF #273 December 29 Employer-Sponsored Health Insurance for Employees of State and Local Governments, by Census Division, 28 Beth Levin Crimmel, M.S. Introduction Employees of state and

More information

For small groups of 5 to 50, with relaxed participation guidelines. Effective January 1, 2013

For small groups of 5 to 50, with relaxed participation guidelines. Effective January 1, 2013 For small groups of 5 to 50, with relaxed participation guidelines Effective January 1, 2013 Why Blue Shield? Blue Shield is a California-based not-for-profit health plan that has been providing Californians

More information

State Specific Workers Compensation Guidelines Employer Direction of Medical Care

State Specific Workers Compensation Guidelines Employer Direction of Medical Care Alabama - Employer/insurer choose the treating provider without restriction. The employer/insurer cannot change providers after the initial selection. The employee can change providers once. However, the

More information

california Health Care Almanac Health Care Costs 101: California Addendum

california Health Care Almanac Health Care Costs 101: California Addendum california Health Care Almanac : California Addendum May 2012 Introduction Health spending represents a significant share of California s economy, but the amounts spent on health care rank among the lowest

More information

MVP SmartFundTM (MSA) A $0 Premium Medicare Medical Savings Account

MVP SmartFundTM (MSA) A $0 Premium Medicare Medical Savings Account MVP SmartFundTM (MSA) A $0 Premium Medicare Medical Savings Account Y0051_2766 Accepted 09/2015 MVP Health Care is excited to offer the SmartFund (MSA) health plan. SmartFund combines a high-deductible

More information

Annual Notice of Changes for 2015

Annual Notice of Changes for 2015 Cigna-HealthSpring Advantage (HMO) offered by Cigna-HealthSpring Annual Notice of Changes for 2015 You are currently enrolled as a member of Cigna-HealthSpring Advantage (HMO). Next year, there will be

More information

Exploring the Impact of the RAC Program on Hospitals Nationwide

Exploring the Impact of the RAC Program on Hospitals Nationwide Exploring the Impact of the RAC Program on Hospitals Nationwide Overview of AHA RACTrac Survey Results, 4 th Quarter 2010 For complete report go to: http://www.aha.org/aha/issues/rac/ractrac.html Agenda

More information

Verizon Wireless Ranks Highest in Wireless Network Quality Performance in Five Regions; AT&T Ranks Highest in One Region

Verizon Wireless Ranks Highest in Wireless Network Quality Performance in Five Regions; AT&T Ranks Highest in One Region Reports: Tablet and Mobile Broadband Devices Generate Increased Data Quality Issues as Usage Patterns and Customer Expectations Impact Problem Incidence Ranks Highest in Wireless Network Quality Performance

More information

What benefits can build.sm

What benefits can build.sm What benefits can build.sm A Look Inside Group Products... 4 Individual & Worksite Products... 6 Extra Benefits & Services... 8 Online Tools... 10 Customer Service... 12 Request a Quote... 14 1 2 2013

More information

Annual Notice of Changes for 2015

Annual Notice of Changes for 2015 Cigna HealthSpring Preferred (HMO) offered by Cigna HealthSpring Annual Notice of Changes for 2015 You are currently enrolled as a member of Cigna HealthSpring Preferred (HMO). Next year, there will be

More information

dental plans and term life insurance coverage

dental plans and term life insurance coverage dental plans and term life insurance coverage Dental coverage Complete your Blue Shield health coverage with an affordable dental plan. Did you know that more than 90% of all common diseases have oral

More information

SIMPLICITY. 2015 Your Plan Explained

SIMPLICITY. 2015 Your Plan Explained Hello SIMPLICITY 2015 Your Plan Explained PFIZER UnitedHealthcare Group Medicare Advantage (PPO) Effective January 1, 2015, through December 31, 2015 Group Number: 12367, 12368 Benefit Highlights UnitedHealthcare

More information

Consumer Guide to. Health Insurance. Oregon Insurance Division

Consumer Guide to. Health Insurance. Oregon Insurance Division Consumer Guide to Health Insurance Oregon Insurance Division The Department of Consumer and Business Services, Oregon s largest business regulatory and consumer protection agency, produced this guide.

More information

Solutions. Quality Service Plan Choice Value-Added Programs. for small business.

Solutions. Quality Service Plan Choice Value-Added Programs. for small business. Solutions Quality Service Plan Choice Value-Added Programs for small business. How does a small business attract and keep talented workers? One of the most important and attractive employee benefits an

More information

Introduction: What Are Voluntary Benefits?... 3 Traditional Voluntary Benefits... 4

Introduction: What Are Voluntary Benefits?... 3 Traditional Voluntary Benefits... 4 Table of Contents Introduction: What Are Voluntary Benefits?... 3 Traditional Voluntary Benefits... 4 Short-term Disability Insurance... 5 Long-term Disability Insurance... 7 Critical Illness Insurance...

More information

Full Medical Benefits**

Full Medical Benefits** (In effect as of January 1, 2006*) TABLE 5a. MEDICAL BENEFITS PROVIDED BY WORKERS' COMPENSATION STATUTES Full Medical Benefits** Alabama Indiana Nebraska South Carolina Alaska Iowa Nevada South Dakota

More information

Nevada Health Plan Project

Nevada Health Plan Project Nevada Health Plan Project Health Plan Basics Health Savings Accounts A Threat - The Fair Share Act New Trends - Wellness Programs Opportunity - High Risk Pools 1 Who is NAHU? Larry S. Harrison, President

More information

Through It All. Health Coverage for Individuals and Families. Plans that fit every need, lifestyle and budget. 800-531-4456 bcbstx.

Through It All. Health Coverage for Individuals and Families. Plans that fit every need, lifestyle and budget. 800-531-4456 bcbstx. Health Coverage for Individuals and Families Plans that fit every need, lifestyle and budget. Through It All. 800-531-4456 bcbstx.com SM Call 800-531-4456, visit bcbstx.com, or contact an independent Blue

More information

2016 Guide to Understanding Your Benefits

2016 Guide to Understanding Your Benefits 2016 Guide to Understanding Your Benefits Additional information about covered benefits available from Health Net Healthy Heart (HMO) Plan Alameda, Stanislaus counties, CA Lisa Pasillas-Le, Health Net

More information

Frequently Asked Questions

Frequently Asked Questions Frequently Asked Questions Health Savings Account Questions Q: What is a Health Savings Account? A: A Health Savings Account is a tax exempt account you set up with a qualified High Deductible Health Plan

More information

Group Dental Insurance

Group Dental Insurance Group Dental Insurance Protection for Employees Smiles Standard Insurance Company Group Dental Insurance Your Proposed Dental Plan Standard Insurance Company appreciates the opportunity to provide you

More information

Cigna Dental Care (DHMO)

Cigna Dental Care (DHMO) Cigna Dental Care (DHMO) DOES YOUR PLAN COVER ORTHODONTICS IN PROGRESS? Even though you or a family member is in the middle of active orthodontic treatment, when you join the Cigna DHMO*, your plan may

More information

Chapter 14: Patient Dental Benefits

Chapter 14: Patient Dental Benefits Chapter 14: Patient Dental Benefits The dentist-patient relationship is most important; the thirdparty payer merely provides a source of payment assistance. Dental Benefit Plans Communication rests at

More information

Employee Benefits. Department of Human Resources

Employee Benefits. Department of Human Resources Employee Benefits Medical Options Point of Enrollment-Gated (POE-G) Network-based care only except in emergencies Primary care physician referrals required Point-of-Enrollment (POE) Network-based care

More information

J.D. Power and Associates Reports: Overall Wireless Network Problem Rates Differ Considerably Based on Type of Usage Activity

J.D. Power and Associates Reports: Overall Wireless Network Problem Rates Differ Considerably Based on Type of Usage Activity Reports: Overall Wireless Network Problem Rates Differ Considerably Based on Type of Usage Activity Ranks Highest in Wireless Network Quality Performance in Five Regions WESTLAKE VILLAGE, Calif.: 25 August

More information

Self-Insured Schools of California: SISC PPO

Self-Insured Schools of California: SISC PPO Helping SISC III SELF-INSURED SCHOOLS OF CALIFORNIA Self-Insured of California: Helping SISC PPO Administered by Blue Shield of California 2013/2014 Enrollment Guide Blue Shield of California is proud

More information