review the cigna presentation -

ORANGE COUNTY GOVERNMENT

2014 Open Enrollment

August 23, 2013

2 Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2013 Cigna 2

Medical

3 Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2013 Cigna

Medical Plan Highlights For 2014

• Orange County Government has chosen to partner with

Cigna for both our medical and prescription plans.

• Each family member will receive an ID card with their own

name listed. This will be a combined medical and

prescription card. (4 ID cards per envelope)

• Orange County Government is pleased to announce

there are no plans changes or increases in premium.

• We will continue to offer two medical plans allowing our

employees to choose the best plan for you and your

family.


How To Find A Provider

Before January 1, 2014

• Visit www.Cigna.com

• Select “Find A Doctor” in orange on the top of the screen

• Search by person or place by entering the provider name

or specialty

• Enter your desired address

• Select “Search”

• Once the providers appear, narrow the search by Plan

• Click on “Select a Plan” in orange

• Select the “Open Access Plus, OA plus, Choice Fund OA Plus” radio

button

http://www.cigna.com/


Cigna Medical Plans Choice Fund OAP HSA

In-Network Out-of-Network

OAP Low Plan


Employer HSA Contribution $750 EE

$1,250 Family None None

Plan Year Deductible $1,250 EE

$2,500 Family

$3,000 EE

$6,000 Family

$500 EE

$1,000 Family

$1,000 EE

$2,000 Family

Out-of-Pocket Maximum (includes deductibles & copays)

$2,400 EE

$4,800 Family

$6,000 EE

$12,000 Family

$1,500 EE

$3,000 Family

$6,000 EE

$12,000 Family

Preventive Care $0 40% after ded $0 40% after ded

Primary Care 20% after ded 40% after ded $20 40% after ded

Specialist 20% after ded 40% after ded $35 40% after ded

Diagnostic Lab & X-ray 20% after ded 40% after ded

$20 / $35 Copay

(physician’s office) or 20%

after ded (outpatient)

40% after ded

Advanced Radiology

Imaging (MRI, CAT, PET) 20% after ded 40% after ded

Covered 100%

(physician’s office), 20%

after ded (outpatient)

40% after ded

Inpatient 20% after ded 40% after ded 20% after ded 40% after ded

Outpatient 20% after ded 40% after ded 20% after ded 40% after ded

Convenience Care Clinic 20% after ded 40% after ded $20 40% after ded

Urgent Care 20% after ded 40% after ded $40 40% after ded

Emergency Room 20% after ded 20% after ded


Know Before You Go


Transition of Care (TOC)

• 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

• You must apply for TOC at enrollment or no later than 30 days

after January 1, 2014

• Examples:

• Pregnancy in the 2nd or 3rd trimester on 1/1/14

• Newly diagnosed or relapsed cancer in the midst of chemotherapy,

radiation therapy or reconstruction

• Trauma

• Transplant candidates, unstable recipients or recipients in need of ongoing

care due to complications associated with a transplant

• See the Transition of Care brochure for a full listing of

conditions that may apply


Cigna Pharmacy Plans

Choice Fund OAP HSA


OAP Low Plan


Preventive Drugs

Before and after your deductible is met, you pay

according to the 3-tier schedule below

Note: Does not count towards your deductible, but does

count towards your out-of-pocket max

You pay according to the 3-tier schedule below

Note: Prescription copays do not count towards your

deductible, but do count or out-of-pocket max on this

plan Treatment Drugs

You pay full price until your deductible is met.

AFTER your deductible is met, you pay

according to the 3-tier schedule below.

Retail (30 day supply)

Generic Smoking

Cessation $0 $0

PPACA No Cost

Preventive

Medications

$0 $0

Preventive Drug List Deductible Waived, then you pay according to

the 3-tier schedule below

Does not apply as there is not a deductible for

pharmacy

Generic $10

40% after ded

$10

40% after ded Preferred Brand

You pay 10% plus a $30

copay. (Coinsurance will apply

before the copay)



before the copay)

Non-Preferred

Brand



before the copay)



before the copay)


Cigna Pharmacy Plans

Choice Fund OAP HSA


OAP Low Plan


Preventive Drugs

Before and after your deductible is met, you pay

according to the 3-tier schedule below

Note: Does not count towards your deductible, but does

count towards your out-of-pocket max

You pay according to the 3-tier schedule below

Note: Prescription copays do not count towards your

deductible, but do count or out-of-pocket max on this

plan Treatment Drugs

You pay full price until your deductible is met.

AFTER your deductible is met, you pay

according to the 3-tier schedule below.

Home Delivery (90 day supply)

Generic Smoking

Cessation $0 $0

PPACA No Cost

Preventive

Medications

$0 $0

Preventive Drug List Deductible Waived, then you pay according to

the 3-tier schedule below

Does not apply as there is not a deductible for

pharmacy

Generic $25

40% after ded

$25

40% after ded Preferred Brand



before the copay)

You pay 10% plus a $75 copay. (Coinsurance will apply before the

copay)

Non-Preferred

Brand



before the copay)



before the copay)


Global Step Therapy

Cigna Pharmacy Management offers step therapy for

several common ongoing medical conditions:

• ADD / ADHD - NEW

• Allergy

• Asthma - NEW

• Bladder Problems - NEW

• Cholesterol Lowering

• Depression – NEW

• Heartburn / Ulcer

• High Blood Pressure

• Mental health - NEW

• Narcotic pain relievers – NEW

• Non-Narcotic pain relievers (NSAID) – NEW

• Osteoporosis

• Skin conditions

• Sleep disorders - NEW


What happens if I already went through step

therapy or I am going through it on 1/1/14?

• Cigna will allow a 60-day introduction period to educate you

about the program and no drugs will be denied for step

therapy during this time frame (1/1/14 – 2/28/14).

• If a step therapy drug is filled between 1/1/14 and 2/28/14,

Cigna will mail a personalized letter to the member to notify

them they are taking a step therapy drug and what to do

next.

• After March 1st we will still allow one more claim to pay and

we will then notify both the member and the physician.

• If the member has already met the pre-requisite, the

physician can coordinate with Cigna Pharmacy via phone

or fax.


Specialty Prescriptions

• A specialty drug is defined as being derived from

biotechnology processes or a small molecule. These drugs

treat the underlying disease which is considered to be rare

and chronic. Specialty drugs require special handling and

close supervision when being administered.

• During the transition from Express Scripts, Cigna Specialty

Pharmacy Coaches will reach out to specialty members to

assist with their transition.

• The Specialty Coaches will introduce the member to Cigna

Specialty Pharmacy, order new prescriptions for the

member and coordinate prior authorizations with the

physician.


How will Prior Authorization work during the

transition?

• Cigna will honor Express Scripts (ESI) authorizations

and it will be managed through a file transfer process

prior to the effective date.

• ESI will send a file of the active authorizations. Cigna

will load the authorizations with a start date of 1/1/14

and use the end date indicated on the file from ESI.

• After the authorization expires, the member will need

to obtain authorization again, just as they would have

with ESI.


Will there be any formulary changes when our

prescriptions move from Express Scripts to Cigna?

• Yes – there are a few differences from Express Script’s

preventive list and Cigna’s list • Preventive Immunizations will now be covered under the

medical, not pharmacy as it was under Express Scripts.

They are still no cost to you.

• Cigna will send letters to notify the customers of the

drug tier change for the patients negatively affected by

the change.

• Those negatively affected will be moved from preferred

brand (2nd tier) to non-preferred brand (3rd tier).

• A current list of Cigna’s prescription drugs can be found

on Orange County’s HR intranet.


Home Delivery (Optional)

Mail:

1.Request that your doctor write you a prescription for a 90-day

supply with refills.

2.Download an order form from www.myCigna.com

3.Mail the completed order form, prescription and payment to us.

Phone – Cigna’s Quick Switch Program:

1.Have your medication, doctor’s name and credit card information.

2.Call 1.800.285.4812

We’ll request a prescription from your doctor for a 90-day supply

with refills.

http://www.mycigna.com/



Home Delivery – Cigna Free Diabetes Meter Program

• On your pharmacy plan, there are two diabetic test strip products that are

lower-cost, preferred brands.

• The preferred diabetic test strip products include ACCU-CHEK® from Roche

Diagnostics and One Touch® from LifeScan, a Johnson & Johnson

Company.

• If the diabetic test strips you are currently using are not a preferred brand,

you may be paying a higher amount or you may not have coverage for your

current diabetic test strips.

• Each of the four glucose systems listed below uses one of the preferred

brand diabetic test strips:

AccuChek Aviva Plus System OneTouch Ultra 2 System

AccuChek Nano SmartView System OneTouch UltraMini System

OneTouch Verio IQ System


Health Savings Account


Health Savings Account

• United HealthCare partnered with Optum Bank as their

banking partner

• Cigna has partnered with JP Morgan/Chase as their

banking partner

• Effective January 1, 2014 Orange County Government is

transferring the HSA administration from Optum Bank to

Chase (Cigna’s banking partner).

• You will need to open your HSA with Chase during Open

Enrollment on www.myCignaplans.com

http://www.mycignaplans.com/


High Deductible Health Plan with HSA

IRS Requirements

2014 2013

Single Family Single Family

Orange County Contribution $750 $1,250 $750 $1,250

Maximum Employee Contribution $2,550 $5,300 $2,500 $5,200

Maximum HSA Contribution $3,300 $6,550 $3,250 $6,450

Catch up Contribution

(Age 55-65) $1,000 $1,000

HSA – Are You Eligible?

In order to open and make and/or receive contributions to an

HSA, an individual:

• Must be covered by a federally qualified high deductible health

plan (HDHP)

• Cannot have any other medical coverage, including a spouse’s

FSA, unless the other medical coverage also qualifies as a

federal HDHP and the individual is covered as a dependent by

the secondary plan

• Must not be enrolled in Medicare or TRICARE

– When an individual is enrolled in Medicare, they have a medical coverage in

addition to the HDHP plan which renders them ineligible to make or receive

HSA contributions.

• Cannot be claimed as a dependent on someone else’s tax

return.


HSA Online Tools


Take advantage of the convenience of www.myCigna.com

and its many easy-to-use resources, such as:

• Online access to your current account balance, past transactions and

claim status

• Online bill pay and fund transfer features

• Text and email alerts that best meet your needs

• Cost and Quality comparisons for specific medical procedures and

treatments

• Lists of medical expenses that qualify for coverage by your plan

• Tools to help you assess, track and manage your personal health

• Frequently asked questions – about health care in general and Cigna

Choice Fund specifically

• Health statements which show claim activity, payments made from

your account, and your current account balance



Wellness Programs


Cigna 24/7 Customer Assistance

• One toll-free number – on the back of the Medical ID card

• Specially-trained Customer Service Representatives

answer questions

• Find a Doctor

• Check Your Coverage

• Ask About a Claim

• Talk to a Trained Nurse about Health Conditions

• Listen to more than 1,000 topics recorded in our Health

Information Library (HIL)

• Access Health Coaching Programs

• Don't wait for "normal business hours”

(800) Cigna24


• Maternity education program

• No additional purchase required

• Participants opt-in

• Participant receives:

• $400 incentive for calling during the 1st trimester

• $200 incentive for calling during the 2nd trimester

• Guidelines for a healthy pregnancy and baby

• Information on important pregnancy health issues

• Information on prenatal care from the March of Dimes

• A list of informative online and telephone resources

• 24 hour toll-free access to registered nurses

Healthy Pregnancies, Healthy Babies

http://www.marchofdimes.com/home.asp


Personal Health Assessment • Taking a health assessment is a quick and easy way to determine the current

state of your overall health and to figure out what steps you need to take now

to improve your health in the future.

• Effective January 1st, 2014 you may select to take your health assessment on

www.myCigna.com.

• After completing the health assessment, you’ll receive a wellness score based

on how you compared to people in your gender and age group. You’ll be

surprised how just a few simple changes can improve your wellness score

significantly.

• You will also get recommended next steps to help you get started on a path to

better health. And based on your responses, you may also receive a web

invitation to join one of our Online Health Coaching Programs for the support

you need to get healthy and stay healthy.



Personal Health Coaching

• A health advocate, nurse, health educator or behavioral health specialist may be calling you to get your healthy lifestyle started.

• You may also call Cigna’s Coaches to get started anytime at (855) 246-1873.

• We can help you:

– Manage a chronic condition

– Create a personal care plan

– Understand medications or doctor’s orders

– Identify health risk that could affect your condition

– Make educated decision on your treatment options

– Know what to expect if you need to spend time in the hospital

– Improve your lifestyle by coping with stress, quitting tobacco use, maintaining good eating habits and managing or losing weight.


Online Coaching

• There are a variety of self-service resources to help you better understand your condition and overcome barriers to better health

– Articles and podcasts on hundreds of health topics

– Online Programs with email campaigns to help you with lifestyle issues like weight, stress, tobacco use, depression and anxiety and living with a medical condition

– A tool to help you understand your condition and make more informed decisions with actual cost information down to the procedure in your doctor’s office, hospital or pharmacy


Online Coaching (continued)


• Work directly with your personal health coach to:

– Lose Weight with Healthy Steps to Weight Loss

– Cope Better with Stress with Strength & Resilience

– Quit Smoking with Quit Today Tobacco Cessation Program

• Call (855) 246-1873 to set up an appointment with your coach today

Lifestyle Management Programs

30 Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2013 Cigna Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2013 Cigna

• Value-added health and wellness member discount program up to 40% discount

• No claim forms or physician referrals; members pay discounted rate for services

• Over 12,000 fitness facilities including Curves, Anytime Fitness, select Gold's Gym, Jazzercise, Snap Fitness and other chain/local centers

• Alternative Medicine featuring over 31,000 chiropractors, acupuncturists, massage therapists, and Registered Dietitians

• Weight Management Programs

• Tobacco Cessation Programs

• Online store featuring: – Vitamins, supplements, herbal products & personal body care

– Dental products

– Homeopathic remedies & natural products

– Diet & sports nutrition

– Yoga & fitness activities

– Books, audio, video & DVDs

Healthy Rewards®

31 Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2013 Cigna Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2013 Cigna

• Get free coupons now and save on your next grocery bill.

• Cigna and Everyday Healthy ValuesTM makes it easy to save

on many of the health and wellness products you buy at the

supermarket.

• Here’s how:

1. Visit everydayhealthyvalues.com and choose your coupons

2. Print your coupons

3. Save instantly at checkout

4. Share with your family, friends and neighbors (everyone can save)

• Stop paying more for healthy goods. Start saving today.

EveryDay Healthy Values


Cigna’s Cost

Transparency Tool


Cigna’s Exclusive Cost Transparency Tool


Show Me the Math


Outpatient Facility vs. Inpatient Hospital


Cigna’s Mobile App for iPhone and Android

• Access and view health fund balances.

• Review plan deductibles and coinsurance.

• Store and organize all important contact info

for doctors, hospitals, and pharmacies.

• Add health care professionals to your contact

list right from a claim or directory search.

• AND MUCH MORE!!!


Dental


Dental Plan Highlights For 2014

• Orange County Government has chosen to partner with

Cigna for our dental plans.

• An ID card is not needed for the dental plans. (if dentist

requests your ID number – you can present your medical ID card)

• Orange County Government is pleased to announce

there are no plans changes. There is a slight increase to

the premium but there is also an enhancement to the

annual maximum.

• We will continue to offer three dental plans allowing our

employees to choose the best plan for you and your

family.


How To Find A Dental Provider

Before January 1, 2014

• Visit www.Cigna.com

• Select “Find A Doctor” in orange on the top of the screen

• Search by person or place by entering the provider name

or specialty

• Enter your desired address

• Select “Search”

• Once the providers appear, narrow the search by Plan

• Click on “Select a Plan” in orange

• Select the Dental Plan “Cigna Dental PPO or EPO” radio button and

select the “Radius” network

• Click on “Select”

http://www.cigna.com/


Dental PPO

Radius Network

Low Plan Middle Plan High Plan

Calendar Year Maximum $1,000 $1,000 $1,500

Calendar Year

Deductible

$50 – Employee

$150 – Family

$50 – Employee

$150 – Family

$50 – Employee

$150 – Family

Class 1: Preventive &

Diagnostic 100% - no deductible 100% - no deductible 100% - no deductible

Class 2: Basic

Restorative Care

Paid according to

Schedule of Benefits 70% after deductible 80% after deductible

Class 3: Major

Restorative

Paid according to

Schedule of Benefits 40% after deductible 50% after deductible

Class 4: Orthodontia

(Children only: Up to age

19)

Not Covered 40%, no orthodontia

deductible

50%, no orthodontia

deductible

Class 4: Ortho Lifetime

Max N/A $1,000 $1,000

Out-of-Network

Reimbursement

Based on Contracted Fee Schedule (for location of service rendered); dentist may balance bill up to usual fees. Class 1 only.

70th Percentile 80th Percentile


Dental PPO Claim Example –

In-Network vs. Out-of-Network

Sample Claim for a Crown:

Class 3: Major

Restorative

In-Network

(High Plan)

Out-of-Network

(High Plan)

Dentist Bills $1,000 $1,000

Cigna’s Agreed Upon

Fee $550 $850

Usual & Customary

Reimbursement N/A

$680 (80th percentile)

Cigna’s Payment

(Major Covered at 50%)

$275 (50% of $550)

$340 (50% of $680)

Member

Responsibility* $275

$490 ($340 + $150) balance billed

* Assumes the deductible is met. Member’s share is the coinsurance/copayment, any remaining

deductible, any amount over the annual maximum and any services your plan does not cover.


Dental PPO Enhancements

1. Preventive Cleanings Covered 100%

2. Progressive Dental Benefit effective 1-1-14

– If you receive one preventive cleaning and oral exam a year, you will receive an

additional $250 per member to your calendar year maximum

Example of the progressive benefits

Requirement You Will Receive Low

Plan

Middle

Plan

High

Plan

Year 1 1 preventive cleaning

and oral exam $250 $1,000 $1,000 $1,500


and oral exam $250 $1,250 $1,250 $1,750


and oral exam $250 $1,500 $1,500 $2,000


and oral exam

You have reached the

maximum allowed amount $1,750 $1,750 $2,250


Our capabilities as a health service company allow us to see the whole person – not just a

dental condition.

Total Health Proactive Outreach Program*

Whole Person, Total Health Focus

Multiple opportunities

to identify and engage

members to improve

health and lower cost

1. Identify

2. Engage

3. Change

Stroke

Maternity

Chronic kidney

disease

Heart

disease

Diabetes

Oral

cancer

Organ

transplants

Head/neck

cancer

radiation

Individual


Cigna Dental Oral Health Integration Program®

Covered Dental Procedures

and Medical Conditions Maternity

Chronic kidney

disease

Organ

transplants

Head & neck

cancer radiation

Periodontal treatment

and maintenance2*

Periodontal evaluation

Oral evaluation3

Cleaning4

Emergency palliative treatment

Fluoride – topical application and

varnish5

Sealants

One of the most comprehensive programs6 reimbursing

individuals for enhanced preventive and periodontal services!

Available to ALL Cigna

Dental customers with

qualifying condition(s)

Articles on behavioral issues

linked to oral health

Up to 50% off average retail

prices on certain prescription

dental products1

More access More wellness More discounts

*Periodontal treatment and maintenance are covered with Heart Disease, Stroke and Diabetes conditions.2

Total Health

1. December 2010, Cigna Home Delivery Pharmacy Average Retail Price Surveys.

2. Four times per year

3. One additional evaluation

4. One additional cleaning

5. Age limits removed; all other limitations apply

6. Based on internal market survey conducted from 2008-2012 including over ten leading dental carriers which indicates Cigna cover more conditions and reimburses for more procedures than any other

carrier reviewed. Cigna also offers eligible program participants information on behavioral conditions that can affect oral health and pharmacy discounts on certain dental prescriptions-no other carrier

reviewed offered these additional services.


Population Savings*

Diabetes $1,292 or 27.6%

Heart Disease $2,183 or 25.4%

Stroke $2,831 or 34.7%

* Not an underwriting decrement

Average annual medical cost savings for

all individuals in study, with or without a

medical condition, and proper

periodontal treatment:

• $1,020 or 27.5% savings

• 67% lower hospital admission rate

• 54% lower ER rate

Beyond Gum Disease Customers receiving proper preventive dental care have, on average:

• 12.5% fewer extractions

• 5.4% fewer root canals

Average annual medical cost savings

for individuals in study who had the

following medical conditions and

proper periodontal treatment:

1“Appropriate Periodontal Therapy Associated with Lower Medical Utilization and Costs” Presented at the International Association for Dental Research Meeting

March 2013, Seattle

Early Oral Care Saves More

2012 national Cigna study1 shows:

• Medical savings when periodontal conditions are treated, and

• Fewer complex dental procedures with proper preventive care

Total Health


Enrollment Deadlines


Important Dates:

• Open Enrollment is October 7th - October 25th.

• You may replay this presentation at your convenience by

visiting the Orange County’s HR intranet site and internet

site at anytime

• The Open Enrollment Handbook and Benefits Handbook

will also be available on the Orange County’s HR intranet

site and internet site at anytime


Enrollment Support


Cigna’s Pre-Enrollment Hotline

• If you have medical or dental plan questions, please call

the Cigna Pre-Enrollment Information Line for answers

• The Hotline is open October 7th - October 25th.

• The Hotline is open 24/7 and can be reached at

(800) 401-4041


Cigna’s Plan Comparison Tool

• You have access to tools to help you estimate your costs for the coming year via

www.myCignaplans.com

• You can compare your Cigna medical plan options, side by side, including your

payroll contributions.

• Set up your HSA bank account for the High Deductible Health Plan.

• A directory of doctors, hospitals and other facilities that participate in the Cigna

HealthCare network

• Benefit summaries that highlight what your plan covers

• Average costs of common procedures and diagnoses

• Frequently asked questions and answers

• A glossary of medical terms

http://www.mycignaplans.com/


myCignaplans.com Log in with the provided user name and password

Username: ocgov

Password: cigna


Accept User Agreement Scroll down to review and accept the User Agreement

Review and

click on

“Accept” to

accept the

user

agreement


Welcome Page – Review Plan Options

Click on the links to see more

information

55

Welcome Page – Plan Costs

Cigna also provides

you with tools to

compare the cost of

each Cigna medical

plan your employer

offers. Click on

“Compare Medical

Plan Costs” to get

started.

Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2013 Cigna

56

Compare Medical Plan Costs

Click on “Launch Plan Compare” for a

side-by-side comparison of the benefits

for the plans you selected. You can even

email it to yourself.

Click on the boxes for more details.


57

Welcome Page – Prescription Drug Costs

You can also

compare the cost of

your prescription

drugs under each

Cigna plan that your

employer offers.

Click on “Compare

Drug Costs” to get

started.


58

Compare Drug Costs – Medication Advisor

You can easily select the

drugs you would like to

see more information

about, including which

drug tier it’s under as well

as retail cost.

You can select your plan

from the drop down box

for a better estimate of

how much it would cost

under your Choice Fund

plan.


59

Welcome Page - Open Your HSA Bank Account

When you’re ready to open your

HSA bank account, click on either

link, and follow the simple

instructions.


60

Landing Page

After reviewing the steps to open

your HSA bank account, click on

“Begin.”



Log In

Enter your Social Security

Number, Date of Birth,

Mailing Address Zip Code,

Open Enrollment ID and the

scrambled words and

numbers, then click “Log

In.”

Open Enrollment ID: ocgov

62

Electronic Disclosure And Consent Agreement

Review and

click on

“Accept” to

accept the

Agreement


63

Bank Application

Enter your name, phone

number and address.

Now is also when you can

make some decisions about

your HSA.

You can choose whether you

would like to order a

checkbook to use to pay for

expenses from your HSA.

*An additional charge may

apply.

You can choose to order

another debit card for a

spouse, dependent or

someone else.

When you’re done, click on

“Next.”

You can choose

to turn

Automatic

Claims

Forwarding

(ACF) on. This

will

automatically

forward any

eligible claims

from your

medical plan to

your HSA

account for

payment. You

can change your

choice at any

time when you

log on to

myCigna.com.


64

Terms And Conditions

Review and

click on

“Accept” to

accept the

Terms and

Conditions of

the HSA bank

account


65

Review Administrative Fees

You can review

the fees

associated with

your account.

Click on

“Accept” after

you review.


66

Review & Submit Your HSA Bank Application

Review all the

information you

filled in. If you

need to go back

and change

something, click

on “Change this

information.” If

everything is

correct, click on

“Submit

Application.”

Then, print out a

copy of the bank

application for

your records.



Welcome Page – Other Resources

Additional resources

are available to help

you, such as the

Health Care

Professional

Directory, a Glossary

of Terms and a list of

Prescription Drugs.

review the cigna presentation -

Documents