How To Pay For A Health Insurance Plan In The United States

Transcription

1 20-20 QUICK GUIDE TO CIGNA ID CARDS 99 r 06/ THN-20-26

2 WE PACK A LOT OF IMPORTANT INFORMATION ON OUR ID CARDS. This brochure can help define and clarify information that appears on s most common customer ID cards. It can also help you understand the requirements associated with our various plans, allowing you to quickly and efficiently serve your patients. We may occasionally update this brochure during the year. Download the most current version at.com > Health Care Professionals > Resources > Doing Business with. PLEASE NOTE: There are various standard ID cards shown in this brochure that are subject to regulatory oversight. As a result, the actual ID card content may vary in order to conform to legislative and regulatory requirements. The ID cards shown are samples and may vary from the actual cards.

3 KEY Refer to this key for explanations of the information found on the sample ID cards featured in this brochure. Use this ID number for all claims and inquiries. 2 Indicates a seamless network where a patient can receive in-network care on a regional or statewide basis. For patients with coinsurance, submit claims to or its designee, and receive an Explanation of Payment (EOP), which will show any remaining amount due from patient. Collect any copayment at the time of service. May read as Connecticut General Life Insurance Co., Health and Life Insurance Company or HealthCare of XXXX, Inc. 6 ID cards with the indicate the patient s liability varies based on the health care professional s Care designation status. Refer to the online health care professional directory to determine a physician s Care designation status. Effective date of coverage. 8 Name of patient s primary care physician (PCP). 9 () indicates that out-of-network discounts may be available to the customer. 0 name. If a third party administers services in conjunction with, the ID card may include multiple s and may show a different claim address or telephone number on the back of the card. Precertification requirements may be shown as either Inpatient Admission or Inpatient Admission and Outpatient Procedures. Submit claims to the claim submission address shown on the card. Call the Customer Service number(s) indicated on the card. Some plans have dedicated numbers for accessing information be sure to check the card for the correct number. Away From Home Care indicates the patient has access to the national network. 6 Indicates Shared Administration. Union identifier. 8 -specific network (CSN).

4 THE MYCIGNA MOBILE APP: APP-SOLUTELY CONVENIENT The my Mobile App gives customers a simple way to personalize, organize and access their important health and benefits information on the go. customers may present their ID card information, claims information and coverage eligibility to you via the app with their cell phone or tablet. FEATURES: ID cards Quickly view ID card information (front and back) for the entire family Easily print, or scan right from smartphone Health care professional directory Locate doctors and health care facilities Access maps for instant driving directions Health wallet Store and organize all contact info for doctors, hospitals and pharmacies Add health care professionals to contact list right from a claim or directory search Claims View and search recent and past claims Bookmark and organize claims for easy reference Trackers View in-network and out-of-network medical and dental year-to-date deductibles, as well as out-of-pocket and annual maximums Coverage See plan coverage and benefit information for medical, dental, pharmacy Access and view health fund balances Review plan deductibles and coinsurance Drug search Compare prescription drug costs at more than 60,000 pharmacies nationwide Find closest pharmacy location using GPS Customers can get the free my Mobile App from the App Store SM or Google Play ios Apple version. or higher Android OS version 2. or higher The Apple is a trademark of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Android and Google Play are trademarks of Google Inc. *The my Mobile App is only available to health plan customers. Actual features may vary depending on your plan. The downloading and use of the App is subject to the terms and conditions of the App and the online stores from which it is downloaded. Standard mobile phone carrier and data usage charges apply.

5 RUN_DATE DATA_SEQ_NO CLIENT_NUMBER UHG_TYPE DOC_ID DOC_SEQ_ID NAME MAILSET_NUMBER CUST_KEY CUST_KEY2 CUST_KEY CUST_KEY CUST_KEY CUST_KEY6 Doe 9668/ / / DIGCARD John Doe :8:28,John RUN_DATE DATA_SEQ_NO CLIENT_NUMBER UHG_TYPE DOC_ID DOC_SEQ_ID NAME MAILSET_NUMBER CUST_KEY CUST_KEY2 CUST_KEY CUST_KEY CUST_KEY CUST_KEY6 Doe 9668/ / / DIGCARD John Doe :8:28,John Primary Care $0 Specialist $0 Urgent Care $6 Preventive Care $20 PCP: None Selected No Referral Required For plan & benefit details, please visit mycignaforhealth.com Plan Contractor: Connecticut General Life Insurance Company Members and Providers Call GWH- Plans XYZ Company RXBIN RXPCN Issuer > Group Plan 689 John Public ID COPAY: Primary Care $0 Specialist $0 Urgent Care $6 PCP: None Selected No Referral Required 8 > ER $200 For plan & benefit details, please visit mycignaforhealth.com GWH- ID cards represent all products Health and Health Life Insurance and LifeCompany Insurance Company GWH- GWH-CIGNA Plan Type Open Plan Access Type Plus Submit All Claims To PO Box 8806 Chattanooga, TN Payer ID #6208 Members and Providers Call Group Group ID ID Copays Copays Name JohnName Doe John Doe Primary Care Primary $2 Care $2 PCP NonePCP Selected None Selected Specialist $2 No Referral Required 8 Specialist $2 No Referral Required Urgent Care $00 Urgent Care $00 ER $200 XYZ Sample XYZ CompanyHoldings Sample CompanyHoldings Co. ER $200 Co. 0 RxBIN RxPCN RxGrp RxBIN RxPCN RxGrp RxID RxID Members: Carry this card at all times. Pretreatment authorization must be obtained for hospital admissions, outpatient surgeries performed outside a physician s office and for the other services specified in the benefit plan. Member is responsible for obtaining authorization for non-network services. Failure to follow pretreatment authorization procedures may result in a reduction of benefits. In an emergency, seek care immediately, then call your primary care doctor as soon as possible for further assistance. We encourage you to use a primary care physician as a valuable resource and personal health advocate. CIGNA has multiple networks. Your plan is paired with the GWH-CIGNA network. To find a GWH-CIGNA provider, please visit your member website at mycignaforhealth.com. Providers: Pretreatment authorization must be received for all services listed above and as specified in the member s benefit plan by calling the number on the front of this card or online at forhcp. com. Emergency hospital admissions must be reported within 8 hours. Notice: Possession of this card does not guarantee coverage or payment for the service or procedure reviewed. Please call the Member and Providers number on the front of this card for eligibility information. What doesit mean? What doesit mean? For providers not in your primary network, visit multiplan.com For Pharmacists Only -800-XXX-XXXX R8 (/0) Mask 0 Your share of the payment for health care services may be based upon our agreement with your provider. Your provider may bill you for amounts up to the provider's regular billed charges. ** ** '' is a registered service mark, and the 'Tree of Life' is a service mark, of Intellectual Property, Inc., licensed for use by Corporation and its operating subsidiaries. All products and services are provided by or through such operating subsidiaries and notby Your share of the payment for health care services may be based Corporation. Such operating subsidiaries include Connecticut General upon our agreement with your provider. Your provider may billyou Life Insurance Company, Health and Life Insurance Company, for amounts up to the provider's regular billed charges. Health Management, Inc. and Dental Health, Inc. The Dental PPO is underwritten or administered by Connecticut General LIfe Insurance Issue Date: 0/0/ Company '' is aor registered Health service and mark, Life Insurance and the 'Tree Company of Life' with is network a service management mark, of services Intellectual provided Property, by Inc., Dental licensed Health, for use Inc., by and certain of Corporation its operating and subsidiaries. its operating subsidiaries. All products and services are provided by or through such operating subsidiaries and not by Corporation. Such operating subsidiaries include Connecticut General Life Insurance Company, Health and Life Insurance Company, Health Management, Inc. and Dental Health, Inc. The Dental PPO is underwritten or administered by Connecticut General LIfe Insurance Company or Health and Life Insurance Company with network management services provided by Dental Health, Inc., and certain Send All Claims To Send PO All Box Claims 8806 To Chattanooga, 000 Great-West TN 22 Drive Kennett, Payer ID#6208 MO68-9 Payer ID #6208 Customers & Health Care Professionals call Rx Claims: Pharmacy Customers Service Center, &Health PO Box 98, Care Scranton Professionals PA call Rx Claims: For Pharmacy Pharmacists Service Only Center, PO Box 98, Scranton PA For Pharmacists Only Mask 60 IssueDate: 0// Mask 60 Issue Date: 0// Global Health Benefits GWH- ID cards represent all products DIRECT USPS DIRECT USPS John Doe 888 N Main JohnSt Doe Olympia, 888 WA N9802 Main St Olympia, WA Thu Mar, 0:8:28 N Thu Mar, 0:8:28 60 N 60 0 Patients in these -administered plans use PPO or OAP networks in the U.S., as indicated on the back of the card on back of card indicates out-of-network discounts may apply 9 2

6 Shared Administration (SAR) Choice Fund Open Access Plus Shared Administration PPO Shared Administration OAP TPV Choice Fund OA Plus Group: 6 PCP Visit %/20% Specialist %/20% ID: U Hospital ER 20% PCP: John Smith Rx 0%/0%/0% PCP Name Ln2 8 Network Coinsurance: In 90%/0% PCP Phone: XXX.XXX.XXXX Out 0%/0% ID card acct name 0 Med/Rx deductible applies RxBIN XXXXXX RxPCN XXXXXXXX 9 Choice Fund and medical plan type indicated Most coinsurance information shown Coinsurance/deductible is paid directly to the doctor/facility by using patient s available health funds. Explanation of Payment (EOP) will show any remaining amount due from patient TPV is available CSN Group: 6 ID: U S 6 This plan is self-funded by: ID card account name Fund #: SAR F RxBIN Rx Bin RxPCN XXXXXXXX TPV Group: 6 ID: U S 6 PCP: James Smith PCP name Ln2 PCP phone: Fund Name Fund #: Fund number RxBIN XXXXXX RxPCN XXXXXXXX is available 8 6 Provider network: HealthCare PPO Doctor visit $0 Specialist $20 Coinsurance In-network 90% / 0% Out-of-network 0% / 0% Rx 0% / 0% / 0% Deductible applies Open Access Plus PCP visit $ Specialist $20 Rx 0% / 0% / 0% Network coinsurance: In 90% / 0% Out 0% / 0% Deductible applies Your provider must call the toll-free number listed below to pre-certify the above services. Refer to your plan documents for your pre-certification requirements. Failure to do so may affect benefits. In an emergency, seek care immediately, then call your primary care doctor as soon as possible for further assistance and directions on follow-up care within ### hours. Coinsurance/deductible is paid directly to the doctor/facility by using individual s available health funds. For Pharmacy, call ABC Company.800.XXX.XXXX (Not a Company) For, call ABC Company.800.XXX.XXXX (Not a Company) Send claims to: CAD Name, PO Box XXXX, Anytown, USA -689 TPV Name, PO Box XXXX, Anytown, USA -689 All Others: PO Box XXXX, Anytown, USA -689 Customer Service:.800.XXX.XXXX 6 MH/SA:.800.XXX.XXXX We encourage you to use a PCP as a valuable resource and personal health advocate. Coinsurance/deductible should not be collected at the time of service unless you have accessed the Cost of Care Estimator on the for Heath Care Professionals website (forhcp.com) to obtain an estimate of the patient s costs, and provide a copy of the estimate to the patient Collecting at the time of service without accessing the Cost of Care Estimator may result in overpayment and require a refund to the patient Your provider must call the toll-free number listed below to pre-certify your medical services or benefits may be affected. Refer to your plan documents for your plan s precertification requirements. In an emergency, seek care immediately, then notify within 8 hours. Mail all non-medical claims and correspondence to: ID card name back SAR fund name Submit/mail claims to: Payor 6208, PO Box 8800, Chattanooga, TN All other: TPV N&A print line Pre-certification: Member Srvc Nu Pharmacy Questions: Eligibility, Benefit and Claim questions please call: SAR TPA phone To access the online provider directory go to To access member pharmacy tools go to Benefits are not insured by HealthCare primary care doctor as soon as possible for further assistance and directions on follow-up care within ### hours. Mail all non-medical claims and correspondence to: Fund name Fund address Send claims to: Claims address All others: PO Box XXXX, Anytown, USA -689 Pre-certification: Member Srvc Nu Pharmacy Questions: Pharm Num Eligibility, Benefit and Claim Questions: Please call Payor Num To access the online provider directory go to To access member pharmacy tools go to We encourage you to use a PCP as a valuable resource and personal health advocate.

7 Managed Care Plans: Open Access Open Access Plus Network Open Access TPV Group: 6 ID: U PCP: James Smith PCP Name Ln2 PCP Phone: XXX.XXX.XXXX In-network coverage only, except emergency care TPV CSN 6 Group: 6 ID: U PCP: James Smith 8 PCP Name Ln2 PCP phone: XXX.XXX.XXXX ID card acct name 0 RxBIN XXXXXX RxPCN XXXXXXXX 9 Network Open Access PCP Visit $0/$2 Specialist $0/$2 Hospital ER $0 Urgent Care $2 Rx $0/20%/0%/00% Rx Indiv Deduct $0 ID card acct name RxBIN XXXXXX RxPCN XXXXXXXX Coinsurance applies CSN Open Access Plus PCP visit $0/$2 Specialist $0/$2 Hospital ER $0 Urgent care $2 Rx $0/20/0 Network Coinsurance: In 90%/0% Out 0%/0% Med/Rx deductible applies Open Access Plus: In-network and out-of-network coverage Open Access Plus In-network: In-network coverage only, except emergency care SAR You must comply with all terms and conditions of the plan. Willful misuse of this card is considered fraud. Your provider must call the toll-free number listed below to pre-certify the above services. Refer to your plan documents for your pre-certification requirements. Failure to do so may affect benefits. In an emergency, seek care immediately, then call your primary care doctor as soon as possible for further assistance and directions on follow-up care within ### hours. For information about mental health services and coverage, call MHSA Stmt Tel Med Group: Sunset Med Group Send claims to: Main Street, Suite 999, Anytown, USA -689 For Pharmacy, call ABC Company.800.XXX.XXXX (Not a Company) For, call ABC Company.800.XXX.XXXX (Not a Company) Claims: PO Box XXXX, Anytown, USA -689 TPV Name, PO Box XXXX, Anytown, USA -689 CSN Name, PO Box XXXX, Anytown, USA -689 Customer Service:.800.XXX.XXXX MH/SA:.800.XXX.XXXX INPATIENT ADMISSION AND OUTPATIENT PROCEDURES: primary care doctor as soon as possible for further assistance and directions on follow-up care within ### hours. For pharmacy, call ABC Company.800.XXX.XXXX (Not a Company) For vision, call ABC Company.800.XXX.XXXX (Not a Company) Send claims to: CAD name, PO Box XXXX, Anytown, USA -689 TPV name, PO Box XXXX, Anytown, USA -689 All others: PO Box XXXX, Anytown, USA -689 Customer service:.800.xxx.xxxx MH/SA:.800.XXX.XXXX We encourage you to use a PCP as a valuable resource and personal health advocate. HMO or POS Open Access TPV CSN Group: 6 ID: U PCP: James Smith 8 PCP Name Ln2 PCP Phone: XXX.XXX.XXXX ID card acct name 0 RxBIN XXXXXX RxPCN XXXXXXXX 9 POS (or HMO) Open Access PCP Visit $/$2 Specialist $/$2 Hospital ER $0 Urgent Care $2 Rx $0/20%/0%/00% Rx Indiv Deduct $0 Coinsurance applies HMO Open Access: In-network coverage only, except emergency care POS Open Access: Offered as an HMO or Network plan; in-network and out-of-network coverage 2 SAR primary care doctor as soon as possible for further assistance and directions on follow-up care within ### hours. For information about mental health services and coverage, call MHSA Stmt Tel Med Group: Sunset Med Group Send claims to: For pharmacy, call ABC Company.800.XXX.XXXX (Not a Company) For vision, call ABC Company.800.XXX.XXXX (Not a Company) claims: PO Box XXXX, Anytown, USA -689 TPV name, PO Box XXXX, Anytown, USA -689 CSN name, PO Box XXXX, Anytown, USA -689 Customer service:.800.xxx.xxxx MH/SA:.800.XXX.XXXX

8 Managed Care Plans: LocalPlus TPV Group: 6 ID: U PCP: James Smith Jane Smith PCP Phone: ABC & Sons Company RxBIN XXXXXX RxPCN XXXXXXXX CSN LocalPlus PCP Visit $0 Specialist $ Hospital ER $0 Urgent Care $2 Rx $0/20/0 Network coinsurance: In 90%/0% Out 0%/0% Med/Rx deductible applies Cat # PCP PCP selection encouraged No referral Choice required Fund and medical plan type indicated Most LocalPlus: coinsurance In-network information and out-of-network shown coverage Coinsurance/deductible LocalPlusIN: In-network is paid coverage directly only, to except the doctor/facility emergency by care using patient s available health funds. Explanation of Payment (EOP) will show any remaining amount due from patient 9 8 INPATIENT ADMISSION AND OUTPATIENT PRECEDURES: Your provider must call the toll-free number listed below to pre-certify the above services. Refer to your plan documents for your pre-certification requirements. Failure to do so may affect benefits. In an emergency, seek care immediately, then call your primary care doctor as soon as possible for further assistance and directions on follow-up care within EF hours. Coinsurance/deductible is paid directly to the doctor/facility by using individual s available health funds. Carve out Prt Line Carve out 2 Prt Line Send claims to: CAD Name, PO Box XXXX, Anytown, USA -689 TPV Name, PO Box XXXX, Anytown, USA -689 All Other: PO Box XXXX, Anytown, USA -689 Customer Service:.800.XXX.XXXX MH/SA:.800.XXX.XXXX Open Access Plus We encourage you to use a PCP as a valuable resource and personal health advocate. Coinsurance/deductible should not be collected at the time of service unless you have accessed the Cost of Care Estimator on the for Heath Care Professionals website (forhcp.com) to obtain an estimate of the patient s costs, and provide a copy of the estimate to the patient Collecting at the time of service without accessing the Cost of Care Estimator may result in overpayment and require a refund to the patient Managed Care Plans: Primary Care Physicians HMO or POS Network Group: 6 ID: U PCP: John Smith 8 PCP phone: XXX-XXX-XXXX ID card acct name RxBIN Rx Bin RxPCN Rx Contr 9 HMO (or POS) PCP visit $ Specialist $ Hospital ER $0 Urgent care $2 Rx /$20/$0 Rx indiv deduct $0 Coinsurance applies PCP selection required Referrals required HMO: In-network coverage only, except emergency care POS: Offered as an HMO or Network plan; in-network and out-of-network coverage TPV bl 0 CSN 8 6 Group: 6 ID: U PCP: James Smith PCP Name Ln2 8 PCP Phone: XXX.XXX.XXXX ID card acct name 0 RxBIN XXXXXX RxPCN XXXXXXXX Network PCP Visit $/$20 Specialist $/$20 Hospital ER $0 Urgent Care $2 Rx $0/20%/0%/00% Rx Indiv Deduct $0 Coinsurance applies OAP# bo bo bn You must comply with all terms and conditions of the plan. Willful misuse of this card is considered fraud. Your provider must call the toll-free number listed below to pre-certify the above services. Refer to your plan documents for your pre-certification requirements. Failure to do so may affect benefits. In an emergency, seek care immediately, then call your primary care doctor as soon as possible for further assistance and directions on follow-up care within ### hours. For information about mental health services and coverage, call MHSA Stmt Tel Med Group: Sunset Med Group Send claims to: Main Street, Suite 999, Anytown, USA -689 For Pharmacy, call ABC Company.800.XXX.XXXX (Not a Company) For, call ABC Company.800.XXX.XXXX (Not a Company) Claims: PO Box XXXX, Anytown, USA -689 TPV Name, PO Box XXXX, Anytown, USA -689 CSN Name, PO Box XXXX, Anytown, USA -689 Customer Service:.800.XXX.XXXX primary care doctor as soon as possible for further assistance and directions on follow-up care within ### hours. Med group: Sunset Med Group Send claims to: Main Street, Suite 999, Anytown, USA -68 For pharmacy: Call ABC Company.800.XXX.XXXX (Not a Company) For vision: Call ABC Company.800.XXX.XXXX (Not a Company) : PO Box XXXXX, Anytown, USA -689 Member services:.800.xxx.xxxx MH/SA:.800.XXX.XXXX C MH/SA:.800.XXX.XXXX PCP selection required Referrals required In-network coverage only, except emergency care 6

9 PPO or EPO Plans TPV CSN Group: 6 ID: U ID card acct name RxBIN XXXXXX RxPCN XXXXXXXX 9 No PCP selection required PPO: In-network and out-of-network coverage EPO: In-network coverage only, except emergency care PPO Dr. visit $0/$2 Specialist $0/$2 Hospital ER $0 Urgent care $2 Rx $0/20/0 Network coinsurance: In 90%/0% Out 0%/0% Med/Rx deductible applies INPATIENT ADMISSION AND OUTPATIENT PROCEDURES: primary care doctor as soon as possible for further assistance and directions on follow-up care within ### hours. For pharmacy, call ABC Company.800.XXX.XXXX (Not a Company) For vision, call ABC Company.800.XXX.XXXX (Not a Company) Send claims to: CAD name, PO Box XXXX, Anytown, USA -689 TPV name, PO Box XXXX, Anytown, USA -689 All others: PO Box XXXX, Anytown, USA -689 Customer service:.800.xxx.xxxx MH/SA:.800.XXX.XXXX Strategic Alliances TPV / Alliance Group: 6 ID: U PCP: John Smith PCP name Ln2 PCP phone: ID card acct name 0 RxBIN XXXXXX RxPCN XXXXXXXX CareLink Open Access Plus PCP visit $ Specialist $0 Hospital ER $0 Urgent care $2 Rx $0/$20/$0/90% Rx indiv deduct $0 Network coinsurance: In 90%/0% 9 primary care doctor as soon as possible for further assistance and directions on follow-up care within 8 hours. Coinsurance/deductible is paid directly to the doctor/facility by using individual s available health funds. For pharmacy: Call ABC Company.800.XXX.XXXX (Not a Company) For vision: Call ABC Company.800.XXX.XXXX (Not a Company) Send claims to: CSN name, PO Box XXXXX, Anytown, USA -689 All other: PO Box XXXXX, Anytown, USA -689 Customer service:.800.xxx.xxxx MH/SA:.800.XXX.XXXX We encourage you to use a PCP as a valuable resource and personal health advocate. Indemnity Plans Group: 6 ID: U ID card acct name RxBIN XXXXXX RxPCN bkxxxxxxxx 9 No PCP selection required Patient files claims Indemnity Rx $0/20%/0%/00% Rx indiv deduct $0 Indiv deduct $00 Family deduct $00 Hospital deduct $200 ER deduct $0 Coinsurance: Medical 80%/20% Med/Rx deductible applies You must comply with all terms and conditions of the plan. Willful misuse of this card is considered fraud. Your provider must call the toll-free number listed below to pre-certify the above services. Refer to your plan documents for your pre-certification requirements. Failure to do so may affect benefits. In an emergency, seek care immediately, then call your primary care doctor as soon as possible for further assistance and directions on follow-up care within ### hours. Coinsurance/deductible is paid directly to the doctor/facility by using individual s available health funds. Note: You can reduce your out-of-pocket expenses if you use a provider. Use of a Network Savings Program provider does not affect your benefit coverage. For help finding a participating provider, please visit our website, or call the toll-free number listed on this card. For Pharmacy, call ABC Company.800.XXX.XXXX (Not a Company) For, call ABC Company.800.XXX.XXXX (Not a Company) Send Claims to: PO Box XXXX, Anytown, USA -689 Customer Service:.800.XXX.XXXX MH/SA:.800.XXX.XXXX 6

10 MORE WAYS TO ACCESS PATIENT INFORMATION WHEN YOU NEED IT USE OUR ELECTRONIC TOOLS Log in to the for Health Care Professionals website (forhcp.com) Connect to us through electronic data interchange (EDI): visit.com/edivendors to learn more Call our automated phone system (882.62) CONDUCT ADMINISTRATIVE TRANSACTIONS ELECTRONICALLY s convenient eservices tools help you manage the administrative details of health care. Access patient eligibility and benefits Estimate patient out-of-pocket costs View and submit precertification requests Check claim status Enroll online for electronic funds transfer (EFT), then view, print, and share online remittance reports the same day you receive electronic payments Receive electronic remittance advice and automatically load it to your accounts receivable system Submit questions about fee schedules and specific patient benefits LEARN MORE To access our educational resources, log in to forhcp.com > Resources > ecourses for courses about EDI, eligibility & benefits, estimating patient out of pocket costs, precertification, electronic claim submission, claim status inquiry, enrolling in and managing EFT, online remittance reports, and more., the Tree of Life and GO YOU are registered service marks of Intellectual Property, Inc., licensed for use by Corporation and its operating subsidiaries. All products and services are provided by or through such operating subsidiaries and not by Corporation. Such operating subsidiaries include Health and Life Insurance Company, Connecticut General Life Insurance Company, and HMO or service company subsidiaries of Health Corporation. 99 r / 20. Some content provided under license.