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For additional information call the CIGNA pre-enrollment information line at
1-800-401-4041 |
Open Access In-Network Plan (OAPIN) Similar to the current HMO plan, the CIGNA Open Access Plus In-Network plan (OAPIN) offers access to CIGNA's broad national provider networks, while allowing members to make their own health care choices. For example:
- No referrals are necessary to see any physicians or specialists in the network. Just choose the participating in-network doctor you prefer and make an appointment.
- The option to choose a Primary Care Physician (PCP) to serve as a personal physician providing routine care and referrals to specialists. See information below about providers.
- Only health care professionals who are part of teh CIGNA network are covered by this plan. If you chose a doctor who is not in the network, your care will not be covered except in emergencies.
- Emergency care is covered 24 hours a day, no matter where you receive it. You may go to any emergency facility, anywhere.
- There are no deductibles with this plan.
- Office co-pays are $20 for a routine or sick office visit or $25 for a specialist.
- Prescription co-pays are $10 for generic, $30 for preferred brands and $50 for non-preferred brands.
Click here for more information on the Open Access In-Network Plan.
Click here for a detailed OAPIN Plan Summary.
Click here for a comparison of current Anthem plans to the comparable CIGNA plans.
For a summary of benefits and co-pays for all plans, click here.
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Locally and nationally, CIGNA's broad provider network very closely matches the Anthem provider network. However, there may be isolated instances when that is not the case. Since provider information can change, please confirm with your doctor's office that they are in CIGNA's network.
Search CIGNA's Provider Directory for your doctor(s):
- Enter either doctor's name and City/State OR zip
- Click "Next"
- For Type of Plan, select "Open Access Plus/CareLink"
- For Type of Provider, select "Primary Care Physician" or "Specialist"
- From drop-down list, select the type of PCP or Specialist.
- Click Search.
For more detailed search instructions, click here.
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Open Access Plus Plan (OAP) Similar to the current CompCare plan, the Open Access Plus Plan (OAP) allows you to see any licensed provider you choose, though benefits are higher when you receive care from a provider in the Open Access Plus network. Members have the option to choose a Primary Care Physician (PCP) to serve as a personal physician to help coordinate health needs.
- No referrals are necessary to see physicians and specialists within the network. Members choose the participating doctor you prefer and schedule an appointment. See information above about providers.
- When selecting physicians or specialists outside of the CIGNA network, your costs will be higher and you may need to file a claim form.
- Emergency care is covered 24 hours a day, no matter where you receive it. You may go to any emergency facility.
- Deductibles are $500 for individual and $1,000 for family coverage.
- Office co-pays are $20 per in-network office visits or deductible and coinsurance for out-of-network office visits.
- Prescription co-pays are $10 for generic, $25 for preferred brands and $40 for non-preferred brands.
Click here for more information on the Open Access Plus Plan.
Click here for a detailed OAP Plan Summary.
Click here for a comparison of current Anthem plans to the comparable CIGNA plans.
For a summary of benefits, co-pays and deductibles for all plans, click here.
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Choice Fund - Health Savings Account Plan (HSA) This new high-deductible health savings account plan (HSA) is designed for people who are prepared to take a more active role in their health care. The plan offers a tax-deferred health savings account to help pay for covered health care expenses, administered by JP Morgan Chase. Colby will contribute $62.50/month for individual coverage or $125/month for family coverage into your HSA account. The money in this account accumulates from year to year and should you leave Colby, any monies in the account are still accessible to you.
In addition to health plan coverage, a CIGNA Choice Fund HSA offers:
- Control over how health care dollars are spent
- Freedom to choose doctors
- Convenient, online information and tools to help decide which doctors and services are desired
- Programs and services to help you stay well
Deductibles and out-of-pocket maximums are as follows:
| HSA DEDUCTIBLES |
| |
In-Network |
Out-of Network |
| Individual |
$1,500 |
$3,000 |
| Family |
$3,000 |
$6,000 |
| HSA OUT OF POCKET MAXIMUMS |
| Individual |
$3,000 |
$6,000 |
| Family |
$6,000 |
$12,000 |
- No co-pays are due at the time of an office visit. Routine office visits for preventive care are covered at 100%. After meeting your deductible, you pay 20% of any other office visits.
- Deductibles - If enrolled in a family plan, all family members contribute to the family deductible which must be satisfied before the plan coinsurance is applied to any family member claim.
- Out-of-Pocket Maximums - If enrolled in a family plan, all family members contribute to the family out-of-pocket maxium, which must be satisfied before any family members' claims are covered 100%.
| NOTE: If you select the HSA plan and currently have a Medical Flexible Spending Account, the balance in your flex account must be $0.00 by December 31, 2009. You will lose any unused money in your flex account on January 1, 2010. The normal two month grace period is not available to you, as your HSA account becomes active on that date. |
Click here for general information on how an HSA plan works.
Click here for more information on Colby's HSA plan.
Click here for a detailed HSA Plan Summary.
Click here for a list of eligible and ineligible expenses for the HSA.
Click here for a list of preventive care coverage.
For a list of Frequently Asked Questions, click here. These are questions posed by Colby employees at the benefit informations session.
For a summary of benefits, co-pays and deductibles for all plans, click here.
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Employee Health Insurance Monthly Contribution Rates - 2010 Employee contributions for health coverage will remain the same in 2010. Colby will be absorbing the increase in premiums, in order to keep employee rates flat.
Open Access In-Network Plan (OAPIN)
|
Employee Only |
Employee +1 |
Employee +2 or more |
| Under $32,500 |
$24.00 |
$187.00 |
$248.00 |
| $32,500 to $72,000 |
$46.00 |
$264.00 |
$356.00 |
| over $72,000 |
$70.00 |
$348.00 |
$449.00 |
Open Access Plan (OAP)
|
Employee Only |
Employee +1 |
Employee +2 or more |
| Under $32,500 |
$31.00 |
$248.00 |
$341.00 |
| $32,500 to $72,000 |
$55.00 |
$356.00 |
$481.00 |
| over $72,000 |
$77.00 |
$466.00 |
$621.00 |
Choice Fund Health Savings Account Plan (HSA)
|
Employee Only |
Employee +1 |
Employee +2 or more |
| Under $32,500 |
$16.00 |
$126.00 |
$200.00 |
| $32,500 to $72,000 |
$26.00 |
$200.00 |
$300.00 |
| over $72,000 |
$40.00 |
$300.00 |
$400.00 |
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| Colby Monthly Contribution to Employee HSA Account |
$62.50 |
$125.00 |
$125.00 |
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Prescription Drug Coverage Drug co-pays are as follows:
| Type |
Open Access
In-Network Plan |
Open Access
Plus Plan |
Health Savings Account * |
| Generic |
$10 |
$10 |
Deductible +
10% Coinsurance |
| Preferred Brand Name |
$30 |
$25 |
Deductible +
20% Coinsurance |
Non-Preferred Brand
Name |
$50 |
$40 |
Deductible +
30% Coinsurance |
| 90 Day Supply |
2 Co-pays |
2 co-pays |
Deductible then
10% / 20% / 30% |
* Preventive Drugs are covered at 100% under the HSA, no plan deductible.
To see how your medications are covered, click here.
For a list of Maine pharmacies offering a 90-day supply for two co-pays, click here. (Please note there are two tabs -- one for independent pharmacies and one for national chains. Also please note that CVS does not currently fill a 90-day prescription for 2 co-pays, although monthly prescriptions can be filled there.)
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Emergency Care
| Type of Care |
Open Access
In-Network Plan |
Open Access
Plus Plan |
Health Savings Account |
| Ambulance |
$50 Co-pay |
Deductible +
Coinsurance |
Deductible +
Coinsurance |
| Emergency Room |
$100 Co-pay |
Deductible +
Coinsurance |
Deductible +
Coinsurance |
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