You’re protected with out-of-pocket maximums
Each medical plan requires you to pay part of the cost at time of service, whether a copayment, deductible or coinsurance. However, when you reach your plan’s out-of-pocket maximum, you’ll no longer have to pay anything for certain covered services. Your plan will pay 100 percent of the cost of those services for the rest of the benefit year.
Here’s how it works:
Each plan has two out-of-pocket maximum levels, one for an individual and one for the family. One family member can reach the individual out-of-pocket maximum for the benefits year and not have to pay at the time of service, while other family members will still have to pay at time of service. If some combination of family members reaches the family out-of-pocket maximum for the benefits year, the family out-of-pocket is considered met. No one covered person will pay more than the individual maximum.
CIGNA Open Access
Consumer-Driven Health Plan
Your Open Enrollment Tools
· CIGNA pre-enrollment hotline : 800-997-1406
· www.mycignaplans.com : Username is Houston 2011 and the password is CIGNA
· Open Enrollment lab : 611 Walker, 4th floor, weekdays from 8 a.m. – 5 p.m. until Wed., April 20.