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HomeMy WebLinkAboutExhibit14CIGNA Manager's Hotline 1.800-400-0650 CIGNA HealthCare P.O Box 55270 • Phoenix, AZ 85078-5270 www.starbridgechoices.com Underwritten and administered by Connecticut General Life Insurance Company. This plan is not available in WA. IGNA" and "CIGNA HealthCare" are registered service marks and refer to various operating bsidiaries of CIGNA Corporation. Products and services are provided by these operating subsidiaries d not by CIGNA Corporation. These operating subsidiaries include Connecticut General Life ;urance Compar • '-Drug, Inc. and its affiliates, CIGNA Behavioral Health, Inc., Intracorp, and HMO service compai ;idiaries of CIGNA Health Corporation and CIGNA Dental Health, Inc. RCK Reference ence 't Aro Visit www.starbridgechoices.com for more detailed information on how to help your employees today. SBCII588.1 • CIGNA 1. Know the Dates for,Enrollmen There are only two:,times, when an.:; employee can.en medical ' coverage: during"your annual opef enrollment penod;or during the yne• hire enrollment; period It is� sx extremely. important to mark these' dates•on your calendar "'° ` 2 Hang Announcement Poster. Once you receive, hang poster in a, central,Iocation immediately Leave hanging all year Replacement; posters available J" }• 3. Hand Out Enrollment; Brochure You'Ii receive Enrollment Brochures r about two' weeks' prior to your' open enrollment,. period,. and Will hav extras to hand out to new hires throughout; the yearPleaseensure thateveryemployee getsone so th have the opportunity to enroll , elp Employees En Read the Enrolirnent Brochure` learn the; specific details iabout. helping your employees ,enroll 1 youremployees have questions... have them;call the toll free number printed in the Enrollrrient Brochure. fiY CIGNA HealthCare is an innovative leader in offering limited -benefit medical plans designed specifically to meet the everyday needs of your part-time and hourly employees. We understand the difficult task you have when it comes to maintaining employee morale and retention within your industry. Starbridge Choices can help by providing limited -benefit medical coverage to your eligible employees. Now you can help offer medical benefits to your employees quickly and easily. As a Manager, you can help protect your employees and their families while also reducing turnover. decreasing absenteeism. and improving morale. If you have not received enrollment materials, please contact your corporate benefits office. Claims Starbridge Choices clean claims are processed within 10 business days of receipt. It is your employee's responsibility to submit the requested information in its entirety before any claim can be paid. An employee can either confirm with the Starbridge Choices Claims Department that the provider has submitted an itemized bill or the employee can submit the itemized receipts along with a claim form. Only original bills will be accepted. Employees must submit the bills by mail as Starbridge Choices will not accept faxed copies. Employees should always make copies of all claim information for their personal records. Pre -Existing Conditions If your employee was previously covered, he or she may ask for a Certificate of Creditable Coverage from the previous insurance carrier and submit it to Starbridge Choices along with the first claim form. The Certificate may reduce or eliminate the Pre -Existing Condition Limitation that is mentioned in the Enrollment Brochure. Submitting the Certificate with the first claim form will also speed up claim processing. If your employee did not have prior group insurance, he or she may be subject to the Pre - Existing Condition Limitation Clause. Any questions regarding pre-existing conditions can be referred to our Customer Service Department at 1-877-209-7098. ising Starbridge Choices ur employees may have questions on how to use Starbridge Choices, so ;re are some topics that are important to understand. Cards I covered employees will receive eir ID cards within 2-3 weeks after eir first payroll deduction. ID Cards ill be mailed directly to their home ith their Getting Started brochure. mloyees waiting for their ID cards ay see a doctor once they have )en their first payroll deduction. Your .nployee's doctor may contact us at 877-209-7098 to verify coverage. ummary Plan escription Booklet iis document will be mailed directly the employee's home in a separate ivelope from their ID Cards and )ntains specific plan information )out coverage, including the nitations and exclusions. octor Visits n employee can visit any licensed -ovider of their choice through tarbridge Choices. However, iditional discounts may be available trough the CIGNA Bridges' Network. mployees will receive a doctor listing ith their ID Cards, but they can also D to www.starbridgechoices.com to larch for pro' -s in their area. When they call the provider to schedule an appointment, they should mention that their insurance is through Connecticut General Ufe Insurance Company. If necessary, your employee should also give the provider the toll - free number located on their insurance card so their doctor can verify benefits. Paying for Services Starbridge Choices is easy to use because most providers bill us directly. However, some providers may ask your employee to pay for services before leaving the physician's office. In this case, your employee should pay for the services, then file a claim with our Claims Department. About Starbridge Choices, A CIGNA Health Insurance Plan Starbridge Choices provides medical coverage for your employees by offering help with basic medical expenses. Starbridge Choices can help with common problems like the flu or a broken bone which can become stressful events for your employees and lead to absenteeism and low morale. Starbridge Choices is not a major medical plan. For about an hour's wage per week, your employees will receive: Plan design and ratesmay vary. Please refer to the Enrollment Brochure for the specific benefit options for your employees. Doctor. visits Outpatient Care • 'Accident Coverage CIGNA Bridges"' Network CIGNA 24-Hour Employee Assistance Programs' Prescription Programs Online. Tools 6 Good Reasons to Present Starbridge Choices to Your Employees: 1. Improve Your Recruiting Ability: Now you can say "medical benefits are available" when you recruit. 2. Reduce Turnover: Employees with medical benefits are generally more stable and more likely to stay with your company. 3. Reduce Costs: When you reduce your turnover, you reduce the time and costs of recruiting and training. 4. Reduce Absenteeism: Offer your employees help to cover their doctor visits, prescriptions, and off -the -job accidents. 5. Reduce Your Company's Medical Expenses: We're helping companies, like yours, get their medical costs under control . because there is no cost to you to offer this plan. 6. Improve Employee Relations: With reasonable rates and low deductibles, employees quickly see value in this limited -benefit medical plan. embers can maximiz; their `medicalbenefits using online tools at wwwstarbndaecho ces'cort This gives members the tools thej need to help get; the most of tFei medical" benefits and will allow" them to. become; more, educate( health care consumers`;, Access benefit informat• ion an manage account.activi • Locateparticipating physicians and pharmacies in network • Compare doctors bycost of;= their services n�k� , I ri • Track the status of claims • 'r �r }�' Sht'' 1 H a'jif Updated health;resource articles: and tips for stayinghealth 4 ran Search_ tOW COEt E. -- SSSS$ N16 SItUGL.eOWEI544.0 969E N. I RIN MY[, PNO[NIe, e2 e5021 lel: I6e21.14 -5959 2323 ..SM110. 2323 N. 121H RUC. relotNle, ez e5e2l IN: 16e21 e52-5656 45 55 N021P.Se,YM.O W. Inx sr. I HOINIH, e2 e502I IeI 16N71777.7525 E 33$ Enrollment Periods There are certain opportunities in which your employees can enroll in Starbridge Choices. Once these opportunities have ended, your employees may have to wait until the annual open enrollment period before they can enroll. Special circumstances outside of Open Enrollment or New Hire Enrollment may allow an employee to enroll or make changes as a "Special Enrollee." Please contact our Customer Service Department at 1-877-209-7098 to see if your employee qualifies. New Hire Enrollment New hires have a limited time to enroll in coverage. The exa�.t nit tuber of days can b fo Ind on the cover of th - enrollment br hear . It is important that all new hires receive the Starbridge Choices Enrollment Brochure in a timely manner to ensure that they have the opportunity to enroll. Annual Open Enrollment During your company's annual open enrollment period, your eligible employees may enroll in Starbridge Choices, or make changes to their existing coverage. 3 Ways for Your Employees to Enroll Enrollment methods vary per group. Please refer to the Enrollment Brochure for the specific enrollment options for your employees. Starbridge Choices has provided your company with Enrollment Brochures. Please distribute to your eligible employees immediately, Each Enrollment Brochure comes complete with enrollment instructions and provides plan details, including limitations and exclusions. Manual Enrollment As m na er will toll ct om I led enrollment form an follow o r cnv's li for nrooer ro essino. Our Benefit Specialists are available to answer your employees pre -enrollment questions, thus saving you valuable time in your day-to-day duties. Benefit Specialists are available Monday through Friday 5:OOam-6:00pm MST at 1-877-209-7098. Enroll by Phone UzinglisaamakcLaxatem We offer a state-of-the-art Interactive Voice Response (IVR) system to provide your employees a quick and easy enrollment experience. The IVR system is available 24 hours a day, 7 days a week, and has features such as: confirmation of all input, the opportunity to make corrections, and the ability to opt -out to a Benefit Specialist to answer questions from Monday through Friday 5:OOam-6:00pm MST. lleakina with a lienehuaesdatiai The employee can call the Enrollment Center and speak with a Benefit Specialist who can enroll them over the phone as well as answer any questions they may. have regarding their coverage options. Online Enrollment Your em ove can visit www. starbridaechoices r nm to enroll a ickly anal securely from a comp ter. This user-friendly site displays the step-by-step process for online enrollment, and only takes a few minutes to complete.