1. Cigna Choice Fund® Health Reimbursement Account (HRA)
Train the Trainer
Client Name (required)
Presenter Name (optional)
Presenter Title (optional)
Month, Day, Year (required)

2. What’s Changing? Current New (The Standard Plan) (Product/Network)
– xxx,xxx doctors/specialists
– x,xxx hospitals/facilities
Deductibles:
$x,xxx individual
$x,xxx family
Preventive Care
$xx coinsurance
Pharmacy:
(Cap Limits – $ and year)
HRA Rollover:
(Cap Limits – $/individual; $/family)
New
Cigna Choice Fund® Health Reimbursement Account (HRA)
Open Access Plus
– 520,000 doctors/specialists
– 8,800 hospitals/facilities
Deductibles:
$x,xxx individual
$x,xxx family
Pharmacy:
(Cap Limits – $ and year)
HRA Rollover:
(Cap Limits – $/individual; $/family)
Preventive Care coverage (covered at?
Preventive Care
$0 coinsurance/deductible –
Covered at 100%
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2011 Cigna

3. I heard these account-based plans are unique
I heard these account-based plans are unique. How is this different from a traditional plan?
Same
Wide choice of doctors/hospitals
Covers routine, emergency and catastrophic care
Pay percentage of bill for in-network care
Pay higher percentage for out-of-network care
Plan pays claim after plan deductible met
CIGNA receives bills, sends payment to doctors/hospitals
Different
No copayment due at time of visit
Preventive care covered 100%
You pay a portion of deductible; account pays rest
Cap on out-of-pocket expenses for in-network care
Unused funds rollover to next year
Earn extra funds for taking health assessment
Max individual pays after deductible met
100% after $3,250 (in-network)
Health Plan 80% / 60%
Employee Share $1,000 FSA**
Fund up to $2,500 tax-free
Out-of-Pocket Maximum
100% Preventive Care (in-network)
Deductible
HRA $1,000
Earn extra $ for taking health assessment
Unused $ rollover to next year’s fund
Employer funds account
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2011 Cigna

4. Components of Health Reimbursement Account (HRA)
Max individual pays after deductible met
100% after $3,250 (in-network)
Features
Employer funds account
High deductible health plan
HRA pays first, creating sense of employee ownership
Preventive care covered at 100% to promote wellness and early detection
Incentives
Flexibility of expenses payable
Rollover of unused funds
Integrated Flexible Spending Account (FSA) and Pharmacy POS claim system
Health Plan 80% / 60%
Employee Share $1,000 FSA**
Fund up to $2,500 tax-free
Out-of-Pocket Maximum
100% Preventive Care (in-network)
Deductible
HRA $1,000
Earn extra $ for taking health assessment
Unused $ rollover to next year’s fund
Employer funds account
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2011 Cigna

5. Claim Examples
The next few slides show example of how the plan works with Autopay (Auto-claim forwarding)
Feel free to pull in the new Claim flow slides for the appropriate plan set up the client has elected
SEE FUSE Health Reimbursement Account (HRA)   (08/12)  
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2011 Cigna

6. Meet Kevin
Kevin is enrolled as Employee Only. He is healthy, gets his yearly wellness exams and completed his online Health Risk Assessment. Kevin gets $750 in his Health Reimbursement Account (HRA).
His HRA plan includes:
HRA Fund Account $750
His Share $750
Health Plan %/65%*
Out of Pocket Maximum $3,000/$6,000*
$1,500/$3,000 Deductible*
*In/Out of Network Coverage Level
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2011 Cigna

7. Out-of-Pocket Maximum 100% Preventive Care (in-network)
Kevin – Year 1
100% after $3,000 (in-network)
Preventive Care Expenses Annual exam $ 300
Covered 100%; no cost to Kevin
Medical Expenses Urgent care visit 100
1 medical visit 160
TOTAL $
Health Plan 85% / 65%
Employee Share $750
Out-of-Pocket Maximum
100% Preventive Care (in-network)
Deductible
How Claims are Paid HRA
Medical Expenses*
Rollover Amount $
HRA $750
Total Paid by Plan $
Total Paid by Kevin $
* Medical expenses are automatically forwarded to the HRA
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2011 Cigna

8. Out-of-Pocket Maximum 100% Preventive Care (in-network)
Kevin – Year 2
100% after $3,000 (in-network)
Preventive Care Expenses Annual exam $ 300
Covered 100%; no cost to Kevin
Medical Expenses 2 Visits to Specialist 200
1 visit to Chiropractor 80
TOTAL $280
Health Plan 85% / 65%
Employee Share $750
Out-of-Pocket Maximum
100% Preventive Care (in-network)
Deductible
How Claims are Paid HRA $750 + $490 Rollover Medical Expenses*
Rollover Amount $
HRA $750
Total Paid by Plan $
Total Paid by Kevin $
* Medical expenses are automatically forwarded to the HRA
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2011 Cigna

9. Meet the Smith Family
The Smiths are enrolled in family coverage. All family members get their yearly wellness exams and Mr. Smith completed the Online Health Risk Assessment. Mrs. Smith has high cholesterol and severe low back pain. The Smiths get $1,500 in their HRA.
Their HRA plan includes:
HRA $1,500
Their Share $1,500
Health Plan %/65%*
Out of Pocket Maximum $6,000/$12,000*
$3,000/$6,000 Deductible*
*In/Out of Network Coverage Level
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2011 Cigna

10. The Smiths– Year 1 Preventive Care Expenses Preventive exams $ 1500
Max individual pays after deductible met
100% after $6,000 (in-network)
Preventive Care Expenses Preventive exams $ 1500
Covered 100%; no cost to Smiths
Medical Expenses 6 Chiropractic visits 510
2 Urgent care visits 360
2 PCP visits 160
TOTAL $1030
Health Plan 85% / 65%
Employee Share $1500
Out-of-Pocket Maximum
100% Preventive Care (in-network)
Deductible
HRA $1500
How Claims are Paid HRA
Medical Expenses*
Rollover Amount $
Total Paid by Plan $
Total Paid by Smiths $
* Medical expenses are automatically forwarded to the HRA
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2011 Cigna

11. The Smiths– Year 2 Preventive Care Expenses Preventive exams $ 1750
Covered 100%; no cost to Smiths
Medical Expenses 6 Chiropractic visits 650
1 Urgent Care visit 90
2 Emergency Room visits 1450
4 PCP visits 350
TOTAL $2540
Max individual pays after deductible met
100% after $6,000 (in-network)
Health Plan 85% / 65%
Employee Share $1500
Out-of-Pocket Maximum
100% Preventive Care (in-network)
Deductible
How Claims are Paid HRA $ $470 Rollover
Medical Expenses*
Rollover Amount $ 0
HRA $1500
Total Paid by Plan $
Total Paid by Smiths $
* Medical expenses are automatically forwarded to the HRA
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2011 Cigna

12. Comparing Cigna Choice Fund Options for (insert client name)
HRA Option 1
HRA Option 2
HRA
Employee Share
Health Plan
Deductible
Out-of-Pocket Max
$X,XXX
XX%/XX%*
HRA
Employee Share
Health Plan
Deductible
Out-of-Pocket Max
$X,XXX
XX%/XX%*
Employee
HRA
Employee Share
Health Plan
Deductible
Out-of-Pocket Max
$X,XXX
XX%/XX%*
HRA
Employee Share
Health Plan
Deductible
Out-of-Pocket Max
$X,XXX
XX%/XX%*
Employee + Spouse or
Employee + Child
Now let’s talk about the Health Reimbursement Arrangement or HRA for short. There are some elements of an HRA that are familiar to you, and some that are new.
The HRA is an account set up for you by your employer (cite company name). At the beginning of the plan year, your employer (cite company name) will deposit a set amount of benefit dollars in your account. The amount depends on how many people you cover.
The dollars in your HRA dollars will automatically pay first and cover 100% of your eligible expenses, as long as dollars are available. These dollars can help you meet your deductible. The HRA dollars may not fully meet your deductible, so you may have some out of pocket cost to help you meet the deductible.
Once you meet the deductible, you will share expenses with the plan, up to a pre-determined maximum out of pocket limit based on the number of people you cover. Once you meet the maximum out of pocket limit, the health plan pays for all covered services beyond that amount.
Because providers that are part of the CIGNA network automatically agree to discounted reimbursement, your out of pocket expenses are reduced when you use CIGNA providers. You can see doctors outside the network, though you will pay more out of pocket.
HRA
Employee Share
Health Plan
Deductible
Out-of-Pocket Max
$X,XXX
XX%/XX%*
HRA
Employee Share
Health Plan
Deductible
Out-of-Pocket Max
$X,XXX
XX%/XX%*
Employee + Family
*In/Out of Network Coverage Level
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2011 Cigna

13. Financial Protection For the Unexpected
Medical Plan Highlights
Open Access Plus –
High
Basic
Cigna Choice Fund® with HRA
Single
Family
Premium – deducted from payroll
$XX
$XXX
Deductible – what you pay before the plan pays
In-network
$XXX Out-of network
$X,XXX Out-of-network
$X,XXX In-network
Out-of-pocket maximum
$X,XXX
$XXXX
n-network
HRA contribution from employer
n/a
Lifetime maximum
Unlimited
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2011 Cigna

14. Financial Protection For the Unexpected
Medical Plan Highlights
Open Access Plus –
High
Cigna Choice Fund® with HRA
Single
Family
Premium – deducted from payroll
$XXX
Deductible – what you pay before the plan pays
$XXX In-network
$000 Out-of network
$0,000 Out-of-network
Out-of-pocket maximum
$X,XXX
In-network
$X,XXX Out-of-network
HRA contribution from employer
n/a
Lifetime maximum
Unlimited
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2011 Cigna

15. Financial Protection For the Unexpected
Medical Plan Highlights
Cigna Choice Fund® with HRA
Single
Family
Premium – deducted from payroll
$XX
$XXX
Deductible – what you pay before the plan pays
Out-of-pocket maximum
HRA contribution from employer
Lifetime maximum
Unlimited
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2011 Cigna

16. Financial Protection For the Unexpected
Prescription Plan Highlights
Open Access Plus –
High
Basic
Cigna Choice Fund® with HRA
In-Network
Retail (30-day supply)
Home Delivery (90-day supply)
Home Delivery
(90-day supply)
Generic
You pay %XX
CIGNA preferred brand
You pay XX%
Non-preferred brand
Self-injectable medications
$XXX max. per prescription
Out-of-network
Retail
(00-day supply)
Home Delivery (00-day supply)
You’ll pay XX% for all out-of-network prescription medications, regardless of your plan.
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2011 Cigna

17. Financial Protection For the Unexpected
Prescription Plan Highlights
Open Access Plus –
High
Cigna Choice Fund® with HRA
In-Network
Retail (30-day supply)
Home Delivery (90-day supply)
Home Delivery
(90-day supply)
Generic
You pay %XX
CIGNA preferred brand
You pay XX%
Non-preferred brand
Self-injectable medications
$XXX max. per prescription
Out-of-network
Retail
(00-day supply)
Home Delivery (00-day supply)
You’ll pay XX% for all out-of-network prescription medications, regardless of your plan.
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2011 Cigna

18. Financial Protection For the Unexpected
Prescription Plan Highlights
Cigna Choice Fund® with HRA
In-Network
Retail (30-day supply)
Home Delivery (90-day supply)
Generic
You pay %XX
CIGNA preferred brand
You pay XX%
Non-preferred brand
Self-injectable medications
$XX max. per prescription
Out-of-Network
Retail
(00-day supply)
Home Delivery (00-day supply)
You’ll pay XX% for all out-of-network prescription medications, regardless of your plan.
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2011 Cigna

19. Enrollment

20. Innovative and Helpful Enrollment Support
myCIGNAplans.com
CIGNA Customer Services at
for instructions and helpful tips to build and customize benefits
User ID:
Password:
Open Enrollment
(List Dates)
myCignaplans.com user guide available on Fuse 7722 – feel free to insert slides or use as standalone presentation
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2011 Cigna

21. Help to Improve Health and Quality Care
Great opportunity to include New Cost and Quality tool – see slides on FUSE 10072
External Sales Presentation  (Cat# , 02/2012) - Download Here 
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2011 Cigna

22. Dedicated Personal Health Advisor
Also a great opportunity to include bullets or slide referring to Health Advisor
FUSE 8069
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2011 Cigna

23. Important Transition Information
Plan Effective Date: January 1, 20XX
ID Cards:
New cards mailed mid-December
Temporary cards available online on or after January 1, 20XX
Claims
Processed by previous medical plan for service/care received prior to January 1, 20XX
Processed by CIGNA for service/care received on or after January 1, 20XX
HRA balances with your previous medical plan (If applicable)
Previous plan holds balances for 90 days – late March – to pay bills for service/care received prior to
January 1, 20XX.
In April, previous plan sends any remaining balances to CIGNA who deposits into your CIGNA HRA. This money is transferred and is available in April to pay claims for service/care received on or after January 1, 20XX.
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2011 Cigna

24. Life Status Coverage Change During Plan Year
If increasing coverage:
Additional HRA funds are added and adjusted based on the effective date of the change in coverage level. Deductible and out-of-pocket levels also increase to the higher level.
Additional HRA funds are available to pay for claims incurred after the effective date of the new coverage level.
If decreasing coverage:
HRA funds are reduced to the lower coverage level amount based on the effective date of the change. The deductible and out-of-pocket maximum are also reduced to the lower level.
The higher amount will remain available to pay for claims incurred prior to the effective date of the new coverage level.
PRESENTER NOTES
SEE PREVIOUS
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2011 Cigna

25. Strong Customer Support
24/7 live service
150+ languages and dialects spoken
One service center for Medical and HRA
Simple and easy experience
Mobile access to claims and balances from any web-enabled device
One website – myCigna.com
AutoPay claims from fund account
Combined financial statements for Medical and HRA
Personal Health Advocate for decision support
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2011 Cigna 25

26. "Cigna" is a registered service mark and the "Tree of Life" logo is a service mark of Cigna Intellectual Property, Inc., licensed for use by Cigna Corporation and its operating subsidiaries. All products and services are provided by such operating subsidiaries and not by Cigna Corporation. Such operating subsidiaries include Connecticut General Life Insurance Company, Cigna Health and Life Insurance Company, and HMO or service company subsidiaries of Cigna Health Corporation and Cigna Dental Health, Inc.
/ © 2011 Cigna