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MEDICAL INSURANCE

Dartmouth College offers four medical insurance plans administered through Cigna Health Insurance Company.

♦  Medical Insurance Plan Options

♦  Request ID Card from Cigna (Click here for Instructions)

♦  Medical Insurance Costs

♦  Preventive Care Services

♦  Durable Medical Equipment Providers

♦  Pre-certification Process

♦  Transition of Care Coverage

♦  Vision Coverage

♦  In-Home Delivery of Medical Supplies 

♦  Fitness Reimbursement

♦  Infertility Reimbursement

♦  Making Changes to Your Medical Insurance

♦  Retiree Medical Insurance

♦  Finding a Doctor

♦  Understanding the Explanation of Benefits

♦  Forms

♦  Additional Information

♦  Cigna Plan Summaries

        ♦  Cigna Educational Sessions - Recorded

♦  Whom to Contact

MEDICAL INSURANCE PLAN OPTIONS

You have the option of selecting one of three plans through Cigna Health Insurance:

•  High Deductible Health Plan (HDHP) - A $2,500 deductible health plan with Health Savings Account (HSA) eligibility.
•  Open Access Plan 1 (OAP1) - A $250 deductible plan.
•  Open Access Plan 2 (OAP2) - A $500 deductible plan.

An overview of the three plans can be found on the Comparison Chart.  For more detail, you should refer to the Subscriber Certificate of the appropriate plan.

When reviewing the Comparison Chart and information on this page, you may find it useful to refer to the Glossary of Health Coverage and Medical Terms.

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MEDICAL INSURANCE COSTS

The cost of your medical insurance is determined by your benefit plan and you should refer to the Enrollment Booklet for more information on the costs associated with this coverage:

•  Dartflex—for Faculty, Exempt and Nonexempt Staff, and IATSE Union Employees
•  Union—for SEIU Employees
•  Standard—for Research Fellows and Research Associate B Employees
•  Retiree

DartFlex and Union employees may also use the online Employee Medical Plan Cost Estimator to help determine the cost of medical insurance.

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PREVENTATIVE CARE SERVICES

With the implementation of the Health Care Reform Bill, preventive care services are available to you at no cost (i.e. no co-pay, deductible, or coinsurance).  The United States government has determined the list of preventive care services and further information is available at the links below:

•  Preventive Services Covered Under the Affordable Care Act
•  U.S. Preventive Services Task Force Recommendations
•  Cigna Preventive Health Care Services

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PRE-CERTIFICATION PROCESS

Pre-certification is the process of determining in advance whether a procedure, treatment or service will be covered under your health care plan. It also helps ensure you get the right care in the right setting – potentially saving you from costly and unnecessary services.  Click here to learn more about Cigna's Pre-certification process.

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TRANSITION OF CARE COVERAGE

Transition of care coverage allows you to continue to receive services for specified medical and behavioral conditions for a defined period of time with health care professionals who do not participate in the Cigna network until the safe transfer of care to a participating doctor or facility can be arranged.

You must apply for Transition of Care at enrollment, or change in Cigna medical plan, but no later than 30 days after the effective date of your coverage.  Click here for more information and to submit a request for Cigna's Transition of Care Coverage.

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VISION COVERAGE

As part of the preventative care services under your Dartmouth College medical insurance plan (OAP1, OAP2 or HDHP), each covered member of your family receives one eye exam per year at no cost. (i.e. no co-pay, deductible, or coinsurance).

Corrective lenses (ex. glasses or contact lenses) are not covered.  However, a $50 hardware reimbursement toward the cost of frames, lenses and contacts is offered to members of the Open Access Plan 1.

•  Types of Vision Providers - Learn the difference between screenings, regular eye care and medical eye care.

•  Routine Eye Care Providers - For the most up-to-date list of Routine Eye Care Providers in your area; select "Find a Cigna Vision Eye Care Professional", then enter your location.

•  Medical Eye Care Providers - For the most up-to-date list of Medical Eye Care Providers; click the orange "Find a Doctor" button at the top of the page, then click on "Eye Doctor".

•  Vision Discounts

Healthy Rewards - Cigna's Vision Network Savings Program

Delta Dental's Vision Discount Program - If you are enrolled in the dental plan, you may also be eligible for vision discounts.

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FITNESS REIMBURSEMENT

When you enroll in one of Dartmouth's medical insurance plans, you have the option of submitting for up to $200 in reimbursement as part of the Fitness Reimbursement Program.

•  2013 Fitness Reimbursement Program through Cigna (Click here)
•  2012 Fitness Reimbursement Program through Anthem (Click here)

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  INFERTILITY REIMBURSEMENT

An Infertility Reimbursement is available for expenses not covered by your medical plan.  Details on the program are available here.  It is recommended that you contact Cigna prior to submitting for reimbursement to find out what benefits are covered by your medical plan.

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MAKING CHANGES TO YOUR MEDICAL INSURANCE

You may only elect or make changes to your medical insurance as a new hire, as part of the annual Open Enrollment process, or with a qualifying mid-year Status Change Event. 

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RETIREE MEDICAL INSURANCE

•  Retirees under age 65 may elect from the Open Access Plan 1 (OAP1) the Open Access Plan 2 (OAP2) or the High Deductible Health Plan (HDHP) and may eligible for some of the benefits outlined on this page.

•  Retirees age 65 and over may elect the Dartmouth College Medicare Supplement (DCMS) Plan. Click here for more information on the DCMS plan.

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FINDING A DOCTOR

If you are new to the area, or new to Cigna, you may need assistance finding a healthcare provider.  There are a number of ways that may assist you in doing this:

•  Contact Cigna
•  Visit Cigna's Website and choose "Find A Doctor", or click here for instructions on how to find a doctor in the Cigna Open Access Plus Carelink (OAPC) network.
•  Visit Dartmouth Hitchcock Medical Center's Find A Doctor website or call the Provider Finder line at (603) 653-3211
•  Consult with your friends, co-workers or family in the area, who may be able to recommend a provider.

In your search for a provider, you should remember to ask the following:

•  Are you a Cigna Participating Provider? (i.e. in the Cigna Network?)
•  Are you accepting new patients?

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UNDERSTANDING THE EXPLANATION OF BENEFITS (EOBs)

When you seek services, Cigna may send you a document called an Explanation of Benefits (EOBs).  This is not a bill for services.  This document may assist you in understanding how to read your Explanation of Benefits.  If you have further questions, you should contact Cigna. For guidance on how to read your Explanation of Benefits (EOB's) please click here.

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FORMS

All forms can be found on the Human Resources website in the Forms section. 

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ADDITIONAL INFORMAITON

The following list of resources may be beneficial to some employees:

•  HealthCare.gov
•  Vermont Health Assistance Program
•  Service Link (for NH residents)

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CIGNA PLAN SUMMARIES

Subscriber Certificates (Detailed Plan Documents)

•   Open Access Plan 1  

•   Open Access Plan 2

•   Open Access High Deductible Health Plan

•   Minimum Credible Coverage Standards

Summary of Benefits and Costs

•   Open Access Plan 1

•   Open Access Plan 2

•   Open Access High Deductible Health Plan

Summary of Benefits and Costs (Government Required Version)

•   Open Access Plan 1

•   Open Access Plan 2

•   Open Access High Deductible Health Plan

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CIGNA EDUCATIONAL SESSIONS - RECORDED

              The following are links to Cigna Educational Sessions that Cigna has conducted in 2013.                    

                 •   Understanding Your Cigna Benefits

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CONTACT INFORMATION

CIGNA

Customer Service: 1-800-244-6224

Send Claims To: PO Box 182223, Chattanooga, TN  37422-7223

Website: http://www.cigna.com/

MyCigna Mobile App: Get the App Here

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BENEFITS OFFICE

For questions on enrolling in medical insurance or making changes to your medical insurance:

Phone: (603) 646-3588

Website: http://www.dartmouth.edu/~hrs/benefits/

E-mail: human.resources.benefits@dartmouth.edu

Fax: (604) 646-1108

Mailing Address:  Office of Human Resources Office 6042, 7 Lebanon Street, Suite 203, Hanover, NH 03755

For questions on your membership, coverage, or to request new ID cards, you should contact Cigna directly

Last Updated: 10/3/13