1. Cigna Individual and Family Plans
2016 Offerings
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna

2. 24/7/365 Customer Service and Health Information Line
Cigna Healthy Rewards © provides discounts on a wide range of health and wellness programs and services
Vision Care
Alternative Medicine
Dental Products
Smoking Cessation
Fitness Clubs
Weight Loss Programs
Nutrition
Mind/Body Healthcare
24/7/365 Customer Service and Health Information Line
1-800-Cigna24
( )
Call any time day or night to be connected with a specialist who can provide confidential counseling support and answers to your health related questions
Service representatives are available around the clock to address claim questions or concerns you may have – we are available whenever you need us
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna

3. myCigna.com: Designed to click with you Your health has met its App
Manage your health
Assess your current health status and risks
Set and track personal health goals
Participate in well-being coaching
Find and compare doctors and facilities
Order from Cigna Home Delivery Pharmacy
Get expert health information from WebMD®
Manage your spending
Track and pay your monthly premiums
Track claims, deductibles and out-of-pocket costs
Get actual costs for common medical procedures and compare among providers and facilities
Shop and compare medications costs
Your health has met its App
You can also access myCigna.com on the go with the myCigna.com Mobile App*. You can find a health care professional, hospital or urgent care center in our directory and compare prescription drug costs. In addition, you can view and request a copy of your medical ID card(s), get up-to-date account information, check your balances and review your medical claims.
* The downloading and use of the myCigna Mobile App is subject to the terms and conditions of the App and the online store from which it is downloaded. Standard mobile phone carrier and data usage charges apply.
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna

4. Tennessee Individual Medical
Available ON and OFF the Marketplace (FFM)
Memphis – Fayette, Haywood, Lauderdale, Shelby, Tipton
Nashville – Cheatham, Davidson, Montgomery, Robertson, Rutherford, Sumner, Trousdale, Williamson, Wilson
Tri-Cities – Carter, Greene, Hancock, Hawkins, Johnson, Sullivan, Unicoi, Washington
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna

5. A NEW innovative approach for 2016 in Nashville and Tri-Cities…
Cigna’s NEW Connect Network of providers offer quality care to help customers improve their health. The coordinated care between primary care physicians and specialists in our Connect Network means more efficient and effective communication between providers centered around an individual’s specific healthcare needs.
Key Features:
Primary Care Physician (PCP) selections are required
If a PCP is not or cannot be selected at enrollment, a PCP will be auto assigned
Referrals must be obtained prior to seeking specialty care
PCP to Specialist Referrals
Certain services and procedures may also require providers to obtain precertification/prior authorization from Cigna in addition to a referral i.e. Chiropractic care
Customers will not have access to out-of-network coverage (in-network plan designs only)
Customers will not have access to coverage when away from home (except for emergencies)
Emergency care is available in- or out-of-network and away from home
There will be a separate/unique IFP directory for the Connect Network – available on 10/18/15
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna

6. 2016 PORTFOLIO BY PLAN TYPE Cigna Connect HSA or Cigna Health Savings
Cigna Connect Flex or Cigna Health Flex
Customer value
Promotes financial health in additional to medical health allowing you to maximize your healthcare dollars for current and future needs
Promotes choice to balance your needs between affordability and level of coverage
Key features
Lower premiums
Tax saving advantages
Wide range of deductible options
Varying levels of office visit coverage
Varying levels of drug coverage with access to a copay as low as $4 for generics
Metal offering
Bronze and Silver
Bronze, Silver, and Gold
Deductible
$2,700 or $6000
$ $6400
Maximum
out-of-pocket
$6500
$ $6700
Medical coinsurance
Plans vary between 85% or 100%
Plan pays: 60%, 70%, or 80%
Preventive care
Plan pays: 100%
Office visits
Ded/coins
(Qualified HDHP plan requirement)
Copay-based
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna

7. Cigna Pharmacy Cigna Home Delivery
Cigna is offering our 5-Tier Pharmacy Plan:
Medications are divided into five tiers (categories)
Tier 1: Contains preferred generic medications. These medications are available at the lowest cost to you.
Tier 2: Contains non-preferred generic medications. These generic medications are available at a slightly higher cost to you.
Tier 3: Contains preferred brand medications. These are more cost-effective brand name medications.
Tier 4: Contains non-preferred brand medications. These are more costly brand name medications.
Tier 5: Contains high cost specialty medications used to treat complex chronic conditions.
Cigna Home Delivery
Convenience and Quality You Can Trust
Manage your medications online at myCigna.com and compare prices, track orders, see the number of refills you have left and much more.
Delivery of prescription medications right to your door.
You’ll receive reminders so you don't forget to fill your prescription.
Licensed pharmacists are focused on serving you and are available 24/7 to answer medication questions.
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna

8. Nashville/Tri-Cities – 2016 Bronze Medical Plans
Out-of-Network: ce
$12,500 Deductible
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna

9. Nashville/Tri-Cities – 2016 Silver Medical Plans
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna

10. Nashville/Tri-Cities – 2016 Gold Medical Plans
Out-of-Network:
50% Coinsurance
$12,500 Deductible
$25,000 Out-of-Pocket
OON Note:
No OON coverage for Pharmacy, Transplant, Dialysis, DME
TN Note:
There was an error made in 2014 and ABA therapy for autism was included when it should not have been
We have honored those claims this year, but it will be removed for 2015 and will no longer be covered
Out-of-Network:
50% Coinsurance
$12,500 Deductible
$25,000 Out-of-Pocket
OON Note:
No OON coverage for Pharmacy, Transplant, Dialysis, DME
TN Note:
There was an error made in 2014 and ABA therapy for autism was included when it should not have been
We have honored those claims this year, but it will be removed for 2015 and will no longer be covered
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna

11. Memphis – 2016 Plan Offerings
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna

12. Tennessee – 2015 Silver CSR Medical Plans
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna

13. Tennessee – 2015 Silver CSR Medical Plans
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna

14. Sample mock ups* of Connect Network ID cards
*Please note these are illustrative mock ups of IFP ID cards and are not meant to be an exact representation of the IFP ID cards.
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna

15. ADD A DENTAL PLAN AND A SMILE…
For 45 years, Cigna has been offering Group dental products that are designed to meet the needs of our individual customers.
Why over 12 million customers choose a Cigna dental plan:
› Extensive network of more than 129,000 providers (Total Cigna DPPO Network)
› 363,000 locations across the United States
› Flexibility to visit in network and out-of network providers
› In-network routine checkups, cleanings and x-rays covered at 100%
› 45 years of experience offering Group Dental Products
› No referral needed to see a specialist
› Customer service available 24/7/365
To see if your DENTIST is in the Cigna network:
Visit or Call Cigna24.
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna

16. Pediatric / EHB – On & Off Exchange – Tennessee
Cigna Dental Pediatric
CIGNA DPPO ADVANTAGE
NETWORK
Offers the most savings, 35% national average.
OUT-OF-NETWORK
Your out-of-pocket expenses will be higher; these providers
have not agreed to offer Cigna customers our contracted fees
Calendar Year Deductible (Class II, III & IV)
$150 Per Person
$300 Per Family
Calendar Year Out of Pocket Maximum (Class I, II, III & IV)
$350 Per Person
$700 Per Family
Benefit
You Pay
Payment Levels
Based on provider’s contracted fees
Based on provider’s standard fees and the MAC
Class I – Preventive/Diagnostic
No Waiting Period
You pay $0
You pay the difference between the provider’s standard fee and 100% of the MAC
Class II – Basic Restorative
You pay 50% of the provider’s contracted fee
(After Deductible)
You pay the difference between the provider’s standard fee and 50% of the MAC (After Deductible)
Class III – Major Restorative
You pay the difference between the provider’s standard fee and 50% of the MAC (After Deductible)
Class IV – Orthodontia (Medically Necessary)
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna

17. Pediatric / EHB – On Exchange – Tennessee
Cigna Dental Family + Pediatric
Under Age 19
Age 19 and Older
CIGNA DPPO ADVANTAGE NETWORK
Offers the most savings, 35% national average.
OUT-OF-NETWORK
Your out-of-pocket expenses will be higher
CIGNA DPPO ADVANTAGE
NETWORK
Calendar Year Deductible (Class II, III & IV)
$150 Per Person
$50 Per Person
$300 Per Family
$150 Per Family
Calendar Year Out of Pocket Maximum (Class I, II, III & IV)
$350 Per Person
Not Applicable
$700 Per Family
Calendar Year Maximum (Class I, II, III)
$1000 Per Person
Benefit
You Pay
Payment Levels
Based on provider’s contracted fees
Based on provider’s standard fees and the MAC
Class I – Preventive/Diagnostic
No Waiting Period
You pay $0
You pay the difference between the provider’s standard fee and 100% of the MAC
Class II – Basic Restorative
6 Month Waiting Period (Can be Waived )
You pay 50% of the provider’s contracted fee
(After Deductible)
You pay the difference between the provider’s standard fee and 50% of the MAC (After Deductible)
You pay 20% of the provider’s contracted fee
You pay the difference between the provider’s standard fee and 80% of the MAC (After Deductible)
Class III – Major Restorative
12 Month Waiting Period (Can be Waived)
You pay 50% of the provider’s contracted fee
You pay the difference between the provider’s standard fee and 50% of the MAC (After Deductible)
You pay the difference between the provider’s standard fee and 50% of the MAC (After Deductible)
Class IV – Orthodontia ( Medically Necessary)
You pay 100% of the provider’s contracted fee
(Discount May Apply)
You pay 100% of the provider's standard fee
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna

18. For Additional Assistance: For Cigna Customers
Benefit and Claim Questions and to Request a New ID Card:
1.800.Cigna24 ( )
After 1/1/16 –
Order prescriptions through Cigna Home Delivery Pharmacy
Billing/Payments
8:00 am - 8:00 pm (EST), Monday through Friday
Federally Facilitated Marketplace (FFM)
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna

19. For Additional Assistance: For Those Assisting Consumers:
Federally Facilitated Marketplace (FFM)
Cigna Marketplace Subject Matter Expert (not for consumers)
Bonnie Evelyn
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna

20. Questions?
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna