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Consumer Driven Health Plan

Note:
The CIGNA HMO Plan and CIGNA Consumer Driven Health Plan are not available to new hire employees as of August 18, 2008. New employees may choose between the HMO Illinois and Blue Cross Blue Shield PPO health plans for the remainder of 2008. Employees will be able to choose a new consumer driven health plan during the Benefits annual enrollment period being held in October 2008. Beginning January 2009, the new Blue Cross Blue Shield Consumer Driven Health Plan will be one of the plans available to all eligible employees.

This site provides detailed information regarding the CIGNA Choice Fund HSA Medical Plan. Below is information to help you...

  • Decide if the plan is right for you-Part I,
  • Enroll in the plan-Part II,
  • Use the plan (find providers, submit and monitor claims, et cetera)-Part III, and
  • Find resources to determine eligible expenses, complete year-end tax filings, and make informed health care decisions-Part IV.

The CIGNA Choice Fund HSA is a type of medical plan commonly known as a"Consumer Driven Health Plan"(CDHP). It provides comprehensive coverage for high-cost medical events and a tax-advantaged way to help you build savings for future medical expenses. Enrollment in this type of medical plan allows you to establish a Health Savings Account (HSA) into which the university will make contributions and you can make pre-tax contributions. The plan also features 100% in-network coverage for preventive care. In order to best use the plan and become an informed consumer of health care, CIGNA makes several web resources available to participants as well as a 24 hour nurse's line.

Part I: Decide whether or not to enroll in the Consumer Driven Health Plan (CDHP):

  1. Understand the Main Components of a Consumer Driven Health Plan
  2. Review the CDHP Plan Benefits
  3. Ensure You are Eligible to Establish a Health Savings Account
  4. Be Aware of Restrictions if also Covered by a Health Care Flexible Spending Account (FSA) Plan
  5. Understand the Significant Tax Advantages

Part II: Enroll in the CIGNA Choice Fund HSA Medical Plan and Establish a Health Savings Account:

  1. Enroll in the CIGNA Choice Fund HSA Plan
  2. Establish a Health Savings Account with JPMorgan Chase Bank
  3. Understand the Contribution Possibilities Related to Your Enrollment in the CDHP
  4. Establish a Pre-tax Salary Deduction  from Your Pay

Part III: Using the Consumer Driven Health Plan:

  1. How to Find an In-Network Provider
  2. How to Use the Mail Order Pharmacy for Maintenance Medications
  3. How to Submit Claims
  4. How to Make Mid-year Changes if Necessary
  • Maximum Employee Contributions
  • Employer Contribution Changes in the Event of a Change of Coverage Level
  • Employees who Terminate before the End of the Calendar Year

Part IV: How to Monitor Claims and Health Savings Account Transactions:

  1. Set-up Access to www.mycigna.com
  2. Uses for www.mycigna.com
  3. Tracking your HSA payroll deductions and contributions

Part V: Important Information

Health Savings Account Distributions

  1.  Proper Use of HSA Accounts
  2. Qualified Medical Expenses (See IRS Publication 969)
  3.  HSA Distributions for Non-Qualified Expenses
  4. HSA distributions must be reported with your income tax return on Form 8889.

CIGNA and JP Morgan Resources

  1. Tools Available Through www.mycigna.com
  2. Preventive Care
  3. 24 Hour Health Information Line
  4. Health Savings Account Investment Options

On-line External Resources