*R&C — Reasonable and Customary Charges

Administrative Information
Information about the administration of your medical benefits can be found in the section entitled “Administrative Information.”

CIGNA Open Access Plan - Benefits Summary

CIGNA Open Access Plan
Services Covered	In-Network	Out-of-Network*
Annual Deductible Amount for injury, illness, or maternity	$300 / individual $600 / family	$500 / individual $1,000 / family
Out-of-Pocket Annual Limit (excludes deductible)	$1,500 / individual $3,000 / family	$4,500 / individual $9,000 / family
Pre-Existing Conditions	n/a	n/a
Maximum Lifetime Benefit (in-network and out-of-network combined)	$2,000,000	$2,000,000
Outpatient Short-Term Rehabilitation – 180 visits per year for all conditions, in-network and out-of-network combined.  Includes speech, occupational, physical and cardiac therapy	Covered 100%	Covered 60% of R&C* after deductible
Outpatient laboratory and X-ray: All charges billed by an independent facility.	Covered 100%	Covered 60% of R&C* after deductible
Home Health Care (skilled visits only) Maximum number of hours per day is limited to 16 hours. Multiple visits can occur in one day; with a visit defined as a period of 2 hours or less.	Covered 100%; unlimited days	Covered 60% of R&C* after deductible for up to 60 days per calendar year, reduced by any in-network days
Durable Medical Equipment	Covered 100%	Covered 60% of R&C* after deductible
External Prosthetic Devices – Requires approval by Health Plan	Covered 90% after deductible and $100 copayment per appliance	Covered 60% of R&C* after deductible
Hospital Care
Services Covered	In-Network	Out-of-Network*
Inpatient Services: semi-private room, operating room, X-ray, and laboratory services.  Includes stand-alone facilities such as Birthing Center.	Covered 90% after deductible and $250 copayment per admission	Covered 60% of R&C* after deductible and $500 copayment per admission
Outpatient Services: Outpatient surgery	Covered 90% after deductible and $150 copayment per visit	Covered 60% of R&C* after deductible and $300 copayment per visit
Transplant Coverage:  Inpatient Facility	Covered 90% after deductible and $250 copayment at approved facilities	Covered 60% of R&C after deductible and $500 copayment per admission
Travel Benefit	$10,000 per transplant per lifetime available when using an approved facility	Not covered
Emergency Room Services (not covered if not a true Emergency)	Covered 100% after $100 copayment per visit if true emergency (waived if admitted)	Covered 100% after $100 copayment per visit if true emergency (waived if admitted)
Ambulance Services (not covered if not a true Emergency)	Covered 100%	Covered 100%
Urgent Care Facility (not covered if not a true Emergency)	Covered 100% after $50 copayment	Covered 100% after $50 copayment
Inpatient Mental Health – 20 days per calendar year in- network and out-of-network combined	Covered 90% after deductible and $250 copayment per admission	Covered 60% of R&C* after deductible and $500 copayment per admission
Inpatient Alcohol and Drug Abuse – two admissions per lifetime and 100 days per lifetime, in-network and out-of-network combined	Covered 90% after deductible and $250 copayment per admission	Covered 60% of R&C after deductible and $500 copayment per admission
Maternity – Inpatient	Covered 90% after deductible and $250 copayment per admission	Covered 60% of R&C after deductible and $500 copayment per admission
Inpatient Services at other healthcare facilities: Includes Skilled Nursing Facility, Rehabilitation Hospital and Subacute facility 60 days per calendar year for in-network and out-of-network combined	Covered 90% after deductible	Covered 60% of R&C
Hospice Care Inpatient	Covered 90% after deductible and $250 copayment per admission	Covered 60% of R&C after deductible and $500 copayment per admission
Outpatient	Covered 100%, no copayment	Covered 60% of R&C after deductible
Physician Care
Services Covered	In-Network	Out-of-Network*
Primary Care Office Visit	Covered 100% after $15 copayment	Covered 60% of R&C after deductible
Specialist Office Visit	Covered 100% after $30 copayment	Covered 60% of R&C after deductible
Vision Exam Services Provided by VSP	No charge for yearly exam; no charge for standard frames every 24 months; no charge for standard lenses every 12 months; or reimbursement up to $75 for one pair of contact lenses (replaces all other benefits and includes exam)	Plan covers up to $25 toward yearly exam; up to $40 toward pair of frames every 24 months; lenses according to fee schedule or one pair of contact lenses every 12 months up to $75 (replaces all other benefits and includes exam)
Physician and Surgeon Services in Hospital	Covered 90% after plan deductible	Covered 60% of R&C after deductible
Maternity Office Visits	Covered 100% after one-time office visit copayment	Covered 60% of R&C after deductible
Maternity Delivery (Physician charges)	Covered 90% after plan deductible	Covered 60% of R&C after deductible
Preventive Health Services:
Well-Baby Care	Covered 100% after $15 copayment (includes immunizations)	Not covered
Routine Physical Exam	Covered 100% after $15 primary care office copayment	Not covered
Routine Gynecological Exams	Covered 100% after $15 physician’s office copayment if physician used is contracted as primary care physician	Not covered
Routine Mammogram	Covered at 100% (no referral needed)	Covered 60% of R&C* after deductible
Hearing Aid Benefits	Covered at 100%; $750 maximum every 36 months	Hearing aid not covered
Hearing Exam	Covered at 100% after $30 copayment per visit	Exam covered 60% after deductible
Chiropractic Care	Covered 100% after $30 copayment; 25 visit limit per year	Not covered
Substance Abuse – Outpatient	$30 copayment per visit for individual therapy; unlimited visits $15 copayment per visit for group therapy; unlimited visits	Covered 60% R&C* after deductible; up to 35 visits per year, reduced by any in-network visits
Mental Health – Outpatient	$30 copayment per visit for individual therapy; unlimited visits $15 copayment per visit for group therapy; unlimited visits	Covered 60% of R&C* after deductible; up to 35 visits per year, reduced by any in-network visits
Physician Services in Emergency Room	Covered 100%	Covered 100%
Infertility Treatment:	Limited coverage; $20,000 lifetime maximum	Limited coverage; $20,000 lifetime maximum
Prescription Drugs, administered by Medco
Retail Prescription Drugs – up to a 30-day supply	$150 deductible for salaried employees and all retirees $100 deductible for hourly employees (until January 1, 2006) then $150 Generic: 20% (minimum $10 copayment) after deductible Brand: 30% (minimum $10 copayment) after deductible If actual cost is under $10, then you pay actual cost	50% of cost after $150 deductible
Mail Order – Home Delivery	Salaried employees, retirees, and hourly employees after January 1, 2006: Generic: $15 copayment up to a 90-day supply Brand: $35 copayment up to a 90-day supply Hourly employees (until January 1, 2006): Generic: $5 copayment for up to a 90-day supply Brand: $15 copayment for up to a 90-day supply	Not covered

*R&C — Reasonable and Customary Charges

Administrative Information
Information about the administration of your medical benefits can be found in the section entitled “Administrative Information.”

CIGNA Indemnity Plan

If you do not have access to a Point-of-Service network, you may be covered under the CIGNA Indemnity Plan.

Under the Indemnity Plan, you may receive care from any provider you choose.  After you meet your annual deductible, the plan pays 80% of Reasonable and Customary Charges for medically necessary services and supplies until you reach the annual out-of-pocket maximum.

The out-of-pocket maximum protects you from excessive medical costs by establishing a ceiling on the amount you pay for covered medical expenses during a year.  Once you reach the out-of-pocket maximum, the plan pays 100% of Reasonable and Customary Charges for eligible medical expenses for the rest of that year.

You must file claims to be reimbursed for your eligible expenses.  Claim forms are available from the Benefit Plans Office or CIGNA Member Services.

You must also call CIGNA Member Services to precertify any nonemergency hospitalization or outpatient diagnostic test or procedure.  If you do not call, your benefit will be subject to a penalty.

Reasonable and Customary Charges
All Indemnity Plan benefit payments are subject to Reasonable and Customary Charges.  Any charges above Reasonable and Customary Charges are not covered by the plan, and you will not be reimbursed for them.  Also, these amounts will not count toward the deductible or out-of-pocket maximum.
See the Glossary for a definition of "Reasonable and Customary Charge."

The Family Deductible
Although the deductible applies separately to each covered family member, the plan contains a provision called the family deductible that limits the total amount you pay in deductibles each year.

You can meet the family deductible with any combination of individual expenses.  However, once one family member meets his or her individual deductible, any further expenses incurred by that person may not be applied to the family deductible.  Once the family deductible is met, no other family member needs to meet the deductible for that year.

The Out-of-Pocket Maximum
The out-of-pocket maximum limits the amount you pay for medical expenses in one year.

Once you reach the out-of-pocket maximum, the plan pays 100% of covered expenses.  Certain expenses do not count toward the out-of-pocket maximum:

• expenses for substance abuse treatment
• non-compliance penalties for not following precertification requirements
• charges above Reasonable and Customary Charges
• care that is received but not covered by the plan.

Second Surgical Opinion
Second surgical opinions are not mandatory, but are covered by the plan with certain limitations.  If your physician recommends surgery, the plan pays 100% of the Reasonable and Customary Charge for a second surgical opinion, with no deductible.  If additional opinions are necessary, they will be covered at 80% of Reasonable and Customary Charges.

Preadmission and Post-Confinement Testing
The plan pays 100% of the cost of preadmission and post-release testing performed on an outpatient basis within 14 days before a scheduled admission, or within 14 days after you leave the hospital, provided the testing is related to your surgery. 

If the preadmission tests are performed and your admission is later cancelled, or if the tests are duplicated while you are in the hospital, the plan will pay 80% of Reasonable and Customary Charges for the tests, after you meet the deductible.

Mental Health/Alcohol and Substance Abuse Treatment
After you meet the deductible, the Indemnity Plan pays 80% of Reasonable and Customary Charges for mental health/alcohol and drug abuse treatment, up to the limits described in the chart on the following pages.  Inpatient care must be precertified by contacting the mental health/substance abuse (MH/SA) number shown on your ID card.

CIGNA Indemnity Plan
Annual Deductible Amount for injury, illness or maternity	0.5% of pay / individual (minimum $200) 1.50% of pay / family (minimum $400)
Out-of-Pocket Annual Limit (includes deductible)	3% of pay / individual (minimum $2,000) 6% of pay / family (minimum $4,000)
Pre-Existing Conditions	n/a
Maximum Lifetime Benefit	$2,000,000
Annual Reinstatement	$5,000
Hospital Care
Services Covered
Inpatient Services: semi-private room, operating room, X-ray, and laboratory services	Covered 80% of R&C* after deductible
Outpatient Services: Outpatient surgery Outpatient professional services – surgeon, radiologist, pathologist, anesthesiologist X-ray and laboratory services	Covered 80% of R&C* after deductible
Organ Transplant Coverage	Covered 80% of R&C* after deductible Travel services maximum when transplant procedure is performed at a LifeSource Facility: $10,000 per transplant
Emergency Room	Covered 80% of R&C* after deductible
Inpatient Mental Health	Covered 80% of R&C* after deductible, limit 20 inpatient days per calendar year
Inpatient Substance Abuse	Covered 80% of R&C* after deductible, limit 30 inpatient days per year and 60 days per lifetime
Maternity – Inpatient	Covered 80% of R&C after deductible
Inpatient services at other health care facilities: Includes Skilled Nursing Facility, Rehabilitation Hospital and Sub Acute Facilities	Covered 100% of R&C*  Up to 60 days confinement per calendar year maximum
Ambulance Services	Covered 80% of R&C* after deductible
Outpatient short-term rehabilitation.  Includes cardiac, physical, speech, and occupational therapy Contract year maximum is unlimited	Covered 80% of R&C* after deductible
Physician Care
Physician Office Visit Surgery performed in the physician’s office Allergy Treatment/Injections Maternity office visits	Covered 80% of R&C* after deductible
Vision Exam Services Provided by VSP	In-Network: No charge for yearly exam; no charge for standard frames every 24 months; no charge for standard lenses every 12 months; or reimbursement up to $75 for one pair of contact lenses (replaces all other benefits and includes exam) Ou-of-Network: Plan covers up to $25 toward yearly exam; up to $40 toward pair of frames every 24 months; lenses according to fee schedule or one pair of contact lenses every 12 months up to $75 (replaces all other benefits and includes exam)
Chiropractic Care	Covered 80% of R&C* after deductible 25 visit limit per year
Emergency Care at Doctor's Office	Covered 100% of R&C*
Urgent Care Facility	Covered 80% of R&C* after deductible
Physician and Surgeon Services in Hospital	Covered 80% of R&C* after deductible
Allergy Serum (dispensed by the physician in the office)	Covered 80% no deductible
Maternity Delivery (physician charges)	Covered 80% of R&C* after deductible
Preventive Health Services: Well-child care for children to age 3 (including immunizations) Annual routine physicals, adult immunizations, Well Woman care ($500 includes all adult preventive care) Mammogram, pap test, or Prostate Specific Antigen Test (PSA)	Covered 80% of R&C* after deductible
Hearing Aid Benefits	Not Covered
Laboratory and X-ray MRIs, MRAs, CAT Scans and PET scans	Covered 80% of R&C* after deductible
Home Health Care (skilled visits only) Maximum number of hours per day is limited to 16 hours. Multiple visits can occur in one day; with a visit defined as a period of 2 hours or less.	Covered 100% of R&C*, no deductible Up to 60 days per calendar year maximum
Hospice Care	Inpatient services covered 80% of R&C*, maximum 60 days per lifetime.  Inpatient room and board at the semi-private room rate Outpatient services same as Home Health Care benefit Bereavement Counseling covered 80% after the deductible, maximum $100 per occurrence; visits subject to the Plan’s outpatient mental health limit
Substance Abuse	Outpatient covered 80% of R&C* after deductible, 30 visit limit per year Group therapy covered 80% of R&C* after deductible, subject to the plan’s Outpatient Substance Abuse benefit maximum based on a 2:1 ratio (visits used reduce the number of substance abuse outpatient visits available.)
Mental Health Service:	Outpatient covered 80% of R&C* after deductible, 30 visit limit per year Group therapy covered 80% of R&C* after deductible, Subject to the plan’s Outpatient Mental Health benefit maximum based on a 2:1 ratio (visits used reduce the number of mental health outpatient visits available.)
Physician Services in Emergency Room	Covered 80% of R&C after deductible
Durable Medical Equipment	Covered 80% of R&C after deductible
Infertility Treatment	Limited coverage Artificial insemination lifetime maximum: 3 attempts per menstrual cycle with a maximum of 8 cycles per lifetime (total attempts allowed is 24) In Vitro fertilization, GIFT and ZIFT lifetime maximums: 4 attempts
External Prosthetic Devices - Requires approval by Health Plan	Covered 80% of R&C after deductible
Dental Care – Limited to charges for a continuous course of dental treatment started within six months of an injury to sound, natural teeth	Inpatient and outpatient facility benefit and physicians services covered 80% after the deductible
Temporomandibular Joint Disorder (surgical & non-surgical treatment)	Covered 80% of R&C after deductible
Chemotherapy & Radiotherapy	Inpatient services 80% of R & C after deductible Outpatient services covered 100% of R&C
Prescription Drugs, administered by Medco
Retail Prescription Drugs – up to a 30-day supply	$150 deductible for salaried employees and all retirees $100 deductible for hourly employees (until January 1, 2006) then $150 Generic: 20% (minimum $10 copayment) after deductible Brand: 30% (minimum $10 copayment) after deductible If actual cost is under $10, then you pay actual cost	50% of cost after $150 deductible
Mail Order – Home Delivery	Salaried employees, retirees and hourly employees after January 1, 2006: Generic: $15 copayment up to a 90-day supply Brand: $35 copayment up to a 90-day supply Hourly employees (until January 1, 2006): Generic: $5 copayment for up to a 90-day supply Brand: $15 copayment for up to a 90-day supply	Not covered

*R&C — Reasonable and Customary Charges

Important Telephone Numbers For questions on eligibility, plan benefits, claims or precertification 1-800-CIGNA24 (1-800-244-6224) For mental health/substance abuse (MH/SA) 1-800-274-4573 These telephone numbers are also listed on your ID card.

Administrative Information Information about the administration of your medical, prescription drugs, and vision benefits can be found in the section entitled “Administrative Information.”

Information for All Medical Plans

Certification Requirements
For all medical plans, all inpatient hospital admissions, outpatient diagnostic tests and outpatient procedures must be reviewed to certify the medical necessity of the admission, test or procedure. 

For the CIGNA Point-of-Service Plans, if you are using an in-network physician for care, the in-network physician is responsible for contacting CIGNA to certify the admission, test or procedure.  If you are using an out-of-network physician, you are responsible for requesting certification.  If you are using an out-of-network physician and you do not obtain approval through certification, penalties will apply.

For the CIGNA Indemnity Plan, you are responsible for requesting certification.  If you do not obtain approval through certification, penalties will apply.

For certification, call CIGNA Member Services at 1-800-244-6224.

Preadmission Certification/ Continued Stay Review for Hospital Confinement
Preadmission Certification (PAC) and Continued Stay Review (CSR) refer to the process used to certify the medical necessity and length of a hospital confinement when you or your Eligible Dependent requires treatment in a hospital:

• as a registered bed patient
• for a partial hospitalization for the treatment of mental health or substance abuse
  or
• for substance abuse residential treatment services.

PAC should be requested prior to any nonemergency treatment in a hospital described above. In the case of an emergency admission, the Review Organization should be contacted within 48 hours after the admission. For an admission due to pregnancy, the Review Organization should be contacted by the end of the third month of pregnancy. CSR should be requested, prior to the end of the certified length of stay, for continued hospital confinement.

Covered expenses incurred will be reduced by 50% for hospital charges made for each separate admission to the hospital:

• unless PAC is received:
• (a) prior to the date of admission;
  or
• (b) in the case of an emergency admission, within 48 hours after the date of admission.

Covered expenses incurred for which benefits would otherwise be payable under this plan for the charges  listed below will not include:

• hospital charges for bed and board, for treatment listed above for which PAC was performed, which are made for any day in excess of the number of days certified through PAC or CSR;
  and
• any hospital charges for treatment listed above for which PAC was requested, but which was not certified as medically necessary.

PAC and CSR are performed through a utilization review program by a Review Organization with which CIGNA has contracted.

In any case, those expenses incurred for which payment is excluded by the terms set forth above will not be considered as expenses incurred for the purpose of any other part of this plan, except for the "Coordination of Benefits" section.

Outpatient Certification Requirements
Outpatient Certification refers to the process used to certify the medical necessity of outpatient diagnostic testing and outpatient procedures, including, but not limited to, those listed in this section when performed as an outpatient in a free-standing surgical facility, other health care facility or a physician's office. The toll-free number on the back of your ID card should be called to determine if Outpatient Certification is required prior to any outpatient diagnostic testing or procedures.

Outpatient Certification is performed through a utilization review program by a Review Organization with which CIGNA has contracted. Outpatient Certification should be only requested for nonemergency procedures or services, and should be requested at least four working days (Monday through Friday) prior to having the procedure performed or the service rendered.

Covered expenses incurred will be reduced by 50% for charges made for any outpatient diagnostic testing or procedure performed unless Outpatient Certification is received prior to the date the testing or procedure is performed.

Covered expenses incurred will not include expenses incurred for charges made for outpatient diagnostic testing or procedures for which Outpatient Certification was performed, but, which was not certified as medically necessary.

In any case, those expenses incurred for which payment is excluded by the terms set forth above will not be considered as expenses incurred for the purpose of any other part of this plan, except for the "Coordination of Benefits" section.

Diagnostic Testing and Outpatient Procedures
Diagnostic tests and outpatient procedures that require certification include, but are not limited to:

• advanced radiological imaging – CT scans, MRI, MRA or PET scans
• hysterectomy.

• inpatient hospital services
• inpatient services at any participating other health care facility
• residential treatment
• outpatient facility services
• advanced radiological imaging
• nonemergency ambulance
  and
• transplant services.

Emergency Hospitalization
If you have a medical emergency and are admitted to the hospital, someone must call for precertification within two days of your admission or on the first business day following your admission, if later.

Expenses Not Covered
In addition to the coverage limitations shown on the plan’s Summary of Benefits, there are some expenses that are not covered. They include, but are not limited to:

• expenses for supplies, care, treatment, or surgery that are not medically necessary
• to the extent that you or any one of your Eligible Dependents is in any way paid or entitled to payment for those expenses by or through a public program, other than Medicaid
• to the extent that payment is unlawful where the person resides when the expenses are incurred
• charges made by a hospital owned or operated by or which provides care or performs services for, the United States Government, if such charges are directly related to a military-service-connected injury or sickness
• for or in connection with an injury or sickness which is due to war, declared or undeclared
• charges which you are not obligated to pay or for which you are not billed or for which you would not have been billed except that they were covered under this plan
• assistance in the activities of daily living, including but not limited to eating, bathing, dressing or other custodial services or self-care activities, homemaker services and services primarily for rest, domiciliary or convalescent care.
• for or in connection with experimental, investigational or unproven services (as defined and determined by CIGNA).
• cosmetic surgery and therapies. Cosmetic surgery or therapy is defined as surgery or therapy performed to improve or alter appearance or self-esteem or to treat psychological symptomatology or psychosocial complaints related to one’s appearance
• macromastia or gynecomastia surgeries; surgical treatment of varicose veins
• abdominoplasty/panniculectomy
• rhinoplasty; blepharoplasty; orthognathic surgeries; redundant skin surgery; removal of skin tags; acupressure; craniosacral/cranial therapy; dance therapy, movement therapy; applied kinesiology; rolfing; prolotherapy; and extracorporeal shock wave lithotripsy (ESWL) for musculoskeletal and orthopedic conditions
• for or in connection with treatment of the teeth or periodontium unless such expenses are incurred for: (a) charges made for a continuous course of dental treatment started within six months of an injury to sound natural teeth; (b) charges made by a hospital for bed and board or necessary services and supplies; (c) charges made by a free-standing surgical facility or the outpatient department of a hospital in connection with surgery
• for medical and surgical services, initial and repeat, intended for the treatment or control of obesity including clinically severe (morbid) obesity, including: medical and surgical services to alter appearances or physical changes that are the result of any surgery performed for the management of obesity or clinically severe (morbid) obesity; and weight loss programs or treatments, whether prescribed or recommended by a physician or under medical supervision
• unless otherwise covered by the plan, for reports, evaluations, physical examinations, or hospitalization not required for health reasons including, but not limited to, employment, insurance or government licenses, and court-ordered, forensic or custodial evaluations.
• court-ordered treatment or hospitalization, unless such treatment is prescribed by a physician and listed as covered in this plan
• infertility services except as provided by the plan including infertility drugs, surgical or medical treatment programs for infertility, including in vitro fertilization, gamete intrafallopian transfer (GIFT), zygote intrafallopian transfer (ZIFT), variations of these procedures, and any costs associated with the collection, washing, preparation or storage of sperm for artificial insemination (including donor fees). Cryopreservation of donor sperm and eggs are also excluded from coverage
• reversal of male or female voluntary sterilization procedures
• transsexual surgery including medical or psychological counseling and hormonal therapy in preparation for, or subsequent to, any such surgery
• any medications, drugs, services or supplies for the treatment of male or female sexual dysfunction such as, but not limited to, treatment of erectile dysfunction (including penile implants), anorgasmy, and premature ejaculation – except as provided by the plan
• medical and hospital care and costs for the infant child of an Eligible Dependent, unless this infant child is otherwise eligible under this plan
• nonmedical counseling or ancillary services, including but not limited to custodial services, education, training, vocational rehabilitation, behavioral training, biofeedback, neurofeedback, hypnosis, sleep therapy, employment counseling, back school, return to work services, work hardening programs, driving safety, and services, training, educational therapy or other nonmedical ancillary services for learning disabilities, developmental delays, autism or mental retardation
• therapy or treatment intended primarily to improve or maintain general physical condition or for the purpose of enhancing job, school, athletic or recreational performance, including but not limited to routine, long term, or maintenance care which is provided after the resolution of the acute medical problem and when significant therapeutic improvement is not expected
• consumable medical supplies other than ostomy supplies and urinary catheters, except as provided by the plan
• private hospital rooms and/or private duty nursing unless determined by the utilization review physician to be medically necessary
• personal or comfort items such as personal care kits provided on admission to a hospital, television, telephone, newborn infant photographs, complimentary meals, birth announcements, and other articles which are not for the specific treatment of an injury or sickness
• artificial aids including, but not limited to, corrective orthopedic shoes, arch supports, elastic stockings, garter belts, corsets, dentures and wigs
• hearing aids, except as provided by the plan,  including but not limited to semi-implantable hearing devices, audiant bone conductors and bone anchored hearing aids (BAHAs). A hearing aid is any device that amplifies sound
• aids or devices that assist with nonverbal communications
• medical benefits for eyeglasses, contact lenses or examinations for prescription or fitting thereof, except that covered expenses will include the purchase of the first pair of eyeglasses, lenses, frames or contact lenses that follows keratoconus or cataract surgery
• charges made for or in connection with routine refractions, eye exercises and for surgical treatment for the correction of a refractive error, including radial keratotomy, when eyeglasses or contact lenses may be worn
• treatment by acupuncture
• all noninjectable prescription drugs, nonprescription drugs, and investigational and experimental drugs, except as provided in the plan
• routine foot care, including the paring and removing of corns and calluses or trimming of nails. However, services associated with foot care for diabetes and peripheral vascular disease are covered when medically necessary
• membership costs or fees associated with health clubs, weight loss programs and smoking cessation programs
• genetic screening or pre-implantations genetic screening. General population-based genetic screening is a testing method performed in the absence of any symptoms or any significant, proven risk factors for genetically linked inheritable disease
• dental implants for any condition
• fees associated with the collection or donation of blood or blood products, except for autologous donation in anticipation of scheduled services where in the utilization review physician’s opinion the likelihood of excess blood loss is such that transfusion is an expected adjunct to surgery
• blood administration for the purpose of general improvement in physical condition
• cost of biologicals that are immunizations or medications for the purpose of travel, or to protect against occupational hazards and risks
• cosmetics, dietary supplements and health and beauty aids
• nutritional supplements and formulae except for infant formula needed for the treatment of inborn errors of metabolism and professional medical services under the supervision of a physician and special dietary formulas medically necessary for therapeutic treatment of PKU
• medical treatment for a person age 65 or older, who is covered under this plan as a retiree, or their Dependent, when payment is denied by the Medicare plan because treatment was received from a nonparticipating provider
• medical treatment when payment is denied by a primary plan because treatment was received from a nonparticipating provider
• for or in connection with an injury or sickness arising out of, or in the course of, any employment for wage or profit (including workers compensation).
• telephone, e-mail, and Internet consultations, and telemedicine
• massage therapy
• for charges which would not have been made if the person had no insurance
• to the extent that charges are more than Reasonable and Customary Charges
• expenses incurred outside the United States, unless you or your Eligible Dependent is a U.S resident and the charges are incurred while traveling on business or for pleasure
• charges made by any covered provider who is a member of your family or your Eligible Dependent’s family
• to the extent of the exclusions imposed by any certification requirement shown in this plan.

Filing Claims
If you stay in-network under the Point-of-Service Plans, your network provider is responsible for filing your claims.

To file a claim for out-of-network treatment under the Point-of-Service Plans or for any treatment under the Indemnity Plan, you must complete a claim form and send it to CIGNA within 90 days after the plan year in which services have been rendered.  Be sure to:

• include the account number listed on your ID card
• use a separate form for each covered dependent
• indicate whether you would like reimbursement of a payment you have made sent to you.  Otherwise, it will be sent to the provider.

You can either attach itemized bills or have your physician complete the physician’s section of the form.  Either way, the following information must be provided:

• patient’s full name, date of birth and relationship to you
• physician’s full name, address and tax identification number
• diagnosis code
• date and charge for each service.

Claims forms can be obtained from CIGNA Member Services or the Benefit Plans Office.

Coordination of Benefits
If you or any of your Eligible Dependents are covered under another medical plan, CIGNA determines how benefits from all such plans will be coordinated, as described in the plan document that governs the company plan under which you are covered (refer to the “Administrative Information” section in this book on how to obtain a plan document) . 

Medicare Eligible
Benefits will also be coordinated with benefits you or a covered dependent receives or is eligible to receive under Part A and Part B of Medicare in accordance with Medicare Secondary Payor rules.  This means that your plan benefit will be reduced to account for Medicare benefits you are eligible to receive – whether you are enrolled or not.

Company Right to Reimbursement (Subrogation)
If you or a covered dependent receives benefits for a covered expense and then collects payment for the same expense from a third party by settlement, judgment or otherwise, you or your dependent must reimburse the Company for the amount of benefits paid by the plan or the amount received from the third party, whichever is less.  This is called "subrogation.”

As a condition of participation in the medical plan, you and your covered Eligible Dependents agree to cooperate with the plan fully to permit the plan to recover the amounts it has paid or will pay on you or your covered Eligible Dependents’ behalf for an injury caused by a third party, but not more than these amounts.  You or your covered Eligible Dependent may keep the portion of any recovery from or settlement with the third party or its insurer for your out-of-pocket medical expenses not covered by the plan such as copayments and deductibles, and your reasonable attorney’s fees to obtain the recovery.  The plan is entitled to recover these amounts regardless of whether the recovery is designated as compensation for medical expenses.  It is your responsibility to notify the Plan Administrator when you or your covered dependent may have an injury which may entitle the plan to assert subrogation rights.

In any case, plans and issuers may not, under federal law, require that a provider obtain authorization from the plan or the insurance issuer for prescribing a length of stay not in excess of 48 hours (or 96 hours).

Medical Insurance After Age 65 – During Active Service
If you continue working after age 65, you have the right to make one of the following elections:

• Continue primary coverage under the Company medical plan.  In this case, the plan will pay benefits first.  If your claim is for an item or service that is also covered by Medicare, you may receive all or part of the unpaid balance of the claim, up to Medicare limitation.

• Elect primary coverage under Medicare.  IIn this case, Medicare will pay your medical claims.  If you elect primary coverage under Medicare, you must, under the law, cancel your coverage under the Company plan.

Dependent Coverage In the Event of Your Death
If you should die while in active service, your spouse and Eligible Dependents may elect to continue medical coverage for three months at the active rate for the coverage level selected.

If you had at least 10 years of full-time Company service and were retirement eligible under the pension plan when you died, your spouse and Eligible Dependents may elect to continue medical coverage until your spouse reaches age 65.  If your spouse remarries within three years of your death and before age 65, he or she may continue coverage until the third anniversary of your death – provided he or she pays the full cost or this coverage and is not covered by another group plan.  However, if the other group plan contains pre-existing condition exclusions affecting the covered individual, coverage under the Company plan may continue until the pre-existing condition waiting period ends or until the individual becomes eligible for Medicare.  Your eligible dependent children may continue coverage (after your spouse reaches age 65 or remarries) until the third anniversary of your death provided they pay the full cost for this coverage and are not covered by another group plan.  If the other plan contains pre-existing condition exclusions, coverage may not automatically terminate as discussed above.

If you had less than 10 years of full-time Company service and were retirement eligible under the pension plan when you died, your spouse and Eligible Dependents may elect to continue medical coverage until your spouse reaches age 65.  Your spouse and any eligible dependent children will pay 100% of the cost.  If your spouse remarries within three years of your death and before age 65, he or she may continue coverage until the third anniversary of your death – provided he or she pays the full cost or this coverage and is not covered by another group plan.  However, if the other group plan contains pre-existing condition exclusions affecting the covered individual, coverage under the Company plan may continue until the pre-existing condition waiting period ends or until the individual becomes eligible for Medicare.  Your eligible dependent children may continue coverage (after your spouse reaches age 65 or remarries) until the third anniversary of your death provided they pay the full cost for this coverage and are not covered by another group plan.  If the other plan contains pre-existing condition exclusions, coverage may not automatically terminate as discussed above.

If you were not eligible to retire under the pension plan when you died, after the initial three months continuation, your Eligible Dependents may elect to continue coverage for an additional 33 months under COBRA Continuation Coverage.  However, if your spouse becomes covered under another group plan, his or her coverage under this plan will terminate immediately, as will coverage for any dependent who becomes covered by any other group health plan or Medicare.  However, if the other group plan contains pre-existing condition exclusions affecting the covered individuals, coverage under the Company plan may continue.  When plan coverage terminates, your Eligible Dependents will be able to convert their medical insurance to an individual policy.

Continuation of Medical Coverage (COBRA)
You and your covered dependent may continue your medical coverage in certain cases when coverage would otherwise end.  Refer to COBRA within the "Administrative Information" section.

Proof of Prior Coverage
After your coverage terminates, a certificate of health insurance coverage will automatically be provided and mailed to your last known address within a reasonable period of time.  If applicable, another certificate will be provided after the COBRA continuation coverage ends.  In addition, you may request another certificate within 24 months after coverage terminates.

Extended Coverage
If you or your covered dependent is totally disabled at the time your coverage ends, benefits will continue to be payable for medical expenses related to that disability which are incurred during the 12 months after your employment terminates (or until recovery, if sooner).  This extended coverage is provided at no cost to you.

Coverage for Reconstructive Surgery Following Mastectomy
When a covered individual receives benefits for a mastectomy and decides to have breast reconstruction, based on consultation between the attending physician and the patient, the health plan must cover:

• reconstruction of the breast on which the mastectomy was performed
• surgery and reconstruction of the other breast to produce symmetrical appearance
• prostheses and physical complications in all stages of mastectomy, including lymphedema.

This coverage must be the same as for any other benefit under the plan.

To convert your coverage, you must submit the appropriate form to the insurance company.  Your cost for this coverage will be based on the insurance company’s regular premium rates for the type of coverage you elect.  Your coverage may differ from the coverage provided under this plan.

Conversion of plan coverage is also available to your Eligible Dependents if you die or if your Eligible Dependents no longer meet the plan’s eligibility requirements.  Your spouse may also convert coverage in the case of divorce or annulment.

Call the Benefit Plans Office to obtain forms and instructions for converting coverage to an individual policy.

Administrative Information Information about the administration of your medical benefits can be found in the section entitled “Administrative Information.”