April 1, 2010
April 15, 2010
March 31, 2010
April 4, 2010
Consumer-directed plans give individuals better access to information and more control over their own health care, allowing them to make informed decisions about treatment and provider options.
Consumer-directed plans give individuals more control over their health care spending and informs them about the true cost of care, which makes them more cost conscious.
Consumer-directed plans encourage healthy behavior by promoting no-cost or low-cost services such as routine physicals, child immunizations, obesity weight-loss programs, routine prenatal care, etc.
All of the above.
Is a fixed dollar amount you pay when you use a service.
Is the amount of money you pay annually before the insurance company begins paying for certain expenses.
Is the percentage of plan costs you pay for certain expenses.
Is the maximum annual amount you pay under the plan.
Combination of copay and coinsurance
1x Basic Annual Earnings
2x Basic Annual Earnings
3x Basic Annual Earnings
4x Basic Annual Earnings
5x Basic Annual Earnings
Stay the same
1 unit of $5,000
2 units of $5,000
3 units of $5,000
4 units of $5,000
Associates who already have STD for more than one year and are being switched to Cigna (our new carrier)
Associates who elect STD during open enrollment
Associates who already have STD for less than one year and are being switched to Cigna (our new carrier)
Long Term Disability (LTD)
Short Term Disability (STD)
Supplemental Life Insurance
Supplemental Life Insurance with AD&D Coverage