1. Information on Your Health Insurance Options for 2019
Introducing Cigna
Information on Your Health Insurance Options for 2019
Human Resources Office

2. Why Change Providers?

3. Why the Change?
United’s initial quote for 2019 was for a 24.8% increase due to an increase in claims. After negotiation, United provided a revised quote of a 18.4% increase
The Benefits Advisory Committee (BAC) reviewed other quotes beginning in March
Cigna offered the best alternative with an increase of 11% on a self-insured basis (actual increase spreads from 7.26%-12.81% depending on plan and tier level)

4. Self-Insurance vs. Fully Insured
Moving to a self-insured plan from a fully insured plan does not impact the employee or Stetson’s relationship with the provider
The difference lies in how claims are managed and paid from a risk perspective
A fully insured plan involves an upfront price agreement, and the insurer pays the claims that come in
A self-insured plan has the University paying the claims as they occur

5. Review of Cigna

6. Benefits of Cigna Lowest overall cost without reducing benefits
Benefits are a match or are enhanced relative to United plans
OAP Performance = United Choice (HMO like option)
OAP Option = United Choice Plus (PPO like option)
Dedicated customer care line (One Guide)
Feedback from the BAC survey indicated employees wanted a better customer service experience
Customer care line offers support from people familiar with our plans starting prior to 1/19 to help in transition
-Customer service line on steroids!

7. Benefits of Cigna
Nationwide network of providers, including telemedicine options and emergency coverage for international travel
Limited disruption to providers (doctors, labs, etc.)
93% of providers utilized by employees were in-network with United
93% of providers would also be in-network with Cigna
Labcorp and Quest are both in-network labs
Expanded wellness offerings, with more funding available for marketing, incentives, screenings, and other opportunities

8. Changes with Cigna Prescription disruption
About 5% of total prescriptions written in 2018 face negative disruption (moving up in tier or are excluded)
3% positive disruption
Rx plan similar in style and approach to FloridaBlue plans
90 day retail options are limited
CVS and Walmart participate
Publix, Walgreens, others don’t participate
90 Now network

9. Changes with Cigna Prior Authorization and Step Therapy
Stetson is working on ways to limit the impact by coordinating with United and Cigna
Employees should still talk to their doctors about providing information to Cigna about any treatments or drugs that have gone through previous step therapy or prior authorizations

10. What Else Should I Know?

11. Currently there are two Dental plans available:
Delta Dental DHMO
Delta Dental PPO
Starting in January there will be a new mid-tier PPO plan available
Lower premium
PPO network
Higher deductible/lower annual maximum

12. HR Website/Communications
Bookmark our page:

13. HR Website/Communications
Weekly updates on Cigna via the website, , and Stetson Announce
Future communications include:
Open Enrollment, Benefit Fairs, and Cigna sessions
Information about One Guide phone number
2019 Rate Sheets
Updates on the third dental plan

14. Open Enrollment
Everyone will need to submit a new Benefit Enrollment/Change Form electing 2019 health benefits
FLEX forms if electing for 2019
Life Insurance forms only for changes
Visit the HR Benefits page
Click on the Open Enrollment Schedule and Process page
Also visit the Open Enrollment Scenarios page

15. Benefit Fairs DeLand Benefits and Wellness Fair
Thursday, October 4th in the Stetson Room from 9am-1pm
College of Law Benefits and Wellness Fair
Tuesday, October 9th in the Great Hall and Mann Lounge from 11:30am – 1:30pm
Additional sessions with Cigna reps TBA

16. What You Can Do
Check to ensure your doctors, pharmacies, and other health providers are in-network
Visit cigna.com
Click on the Find a Doctor, Dentist or Facility link at the top of the page
Click on plans through your employer or school
Type in a search location, and select the OAP plan option
Or call your doctors and ask if the are in-network for the Cigna OAP network

17. What You Can Do Talk to your doctor about your prescription drugs
Rx formularies will be posted as soon as we have them
Explain you are moving to the Cigna OAP network
Call the One Guide number and talk to Cigna about your options
Reach out to Lori with problems/issues
Be your own best health advocate

18. Thanks for your time and attention!
Questions?
Thanks for your time and attention!