MEDICAL (3 Plans Available)
The
CIGNA PPO Plan offers the choice between an in-network
benefit and an out-of-network benefit. The in-network
benefit is the most cost-effective, offering most care
covered at 90% of a discounted rate. Your general office
visits are subject to a $10.00 per visit co-pay when
you use the in-network benefit. Deductibles and coinsurance
apply to both the in-network and out-of-network benefit.
Most out-of-network care is reimbursed at 70% after
an annual deductible of $500. There is prescription drug
coverage with a $10.00 co-pay for generic drugs, $20.00
co-pay for brand name drugs and $40.00 co-pay for preferred
brand name drugs.
The CIGNA HMO Plan and Aetna/US
Healthcare HMO Plan offer
a large provider directory from which to choose a primary
care physician for you and your family. You are not subject
to any deductibles with either of these plans and virtually
all of your care is covered in full. All of your care is
coordinated through your primary care physician. Your out-of-pocket
expense is typically limited to a $5.00 co-pay for routine
office visits, periodic check-ups, physical exams, and
well-baby care. Prescription drug coverage is offered through
these plans with a $5.00 co-pay for generic drugs and a
$10.00 co-pay for brand name drugs. |
DENTAL
(3 plans Available)
The CIGNA CDH Dental Plan is available
in many PHH Mortgage locations. It operates like
an HMO and is the most cost-effective
plan. Your primary care dentist will coordinate all of
your dental care. All of your preventive care is covered
at 100%
and all other care is paid according to a schedule of
benefits.
The CIGNA PPO Dental Plan offers a directory of dentists
who have agreed to provide their services at a preferred
rate. You do not have to use PPO dentists exclusively;
however, your out-of-pocket costs are lowest when you use
a PPO network dentist. Preventive care is covered at 100%
and other covered expenses are subject to deductibles and
coinsurance.
The CIGNA Traditional Plan offers you the opportunity
to choose any dentist you prefer. Preventive care is covered
at 100% and is not subject to deductibles and coinsurance.
All other covered expenses are subject to an annual deductible,
a schedule of reimbursement and coinsurance.
|
