2019 Cigna Medical Plans
Mohawk’s benefits are here to help you make the right choices for you and your family. That’s why we offer so many resources to help you stay healthy and happy - from helping you budget for health care expenses through an HSA or FSA, to providing innovative telemedicine access with Amwell and our virtual Healthy Life Centers, to delivering resources to help you live better and spend less.
We believe prevention plays a vital role in health care. To catch problems early, we encourage you to get preventive screenings and annual checkups. Don’t forget—your in-network preventive care is 100% covered! It’s never too late to start your journey to become a healthier you. Your good health is important–to you and your family.
What to Know for 2019
Medical Plan Changes
Beginning Jan. 1, 2019, office visits to primary care physicians as well as specialists will have a $35 copay once the deductible has been met. Urgent Care facilities will have a $25 copay once the deductible has been reached.
Cigna Local Plus Plan
The Local Plus Plan continues to be the medical plan for employees living in the following areas:
Arizona – Phoenix | California – Bay area and Los Angeles area | Colorado – Denver | Florida – Orlando, Tampa, South Florida (Miami metro area) | Illinois – Chicago | Kansas – Wichita | Massachusetts – Statewide | Nevada – Las Vegas | Rhode Island – Statewide | South Carolina – Greenville/Spartanburg | Texas – Austin, Dallas/Fort Worth, and Houston.
Open Access Plus (OAP) | CIGNA OAP
Employees living outside the northwest Georgia/Chattanooga and Local Plus markets will remain part of the Cigna Open Access Plus (OAP) plan. For employees in Local Plus markets, you may choose an OAP option at a higher premium. To find a provider or hospital, visit cigna.com.When planning for your health care costs and Health Savings Account (HSA) contributions for 2019, remember in-network and out-of-network deductibles and out-of-pocket expenses are all separate and do not crossover. This plan does not apply to employees working in Hawaii; they remain on the HMSA plan.
Healthy Life Centers / Healthy Life Team
Our Healthy Life Centers continue to expand services, including onsite behavioral health and virtual coaching and offer innovative ways to connect with you.
We are pleased to introduce Spruce Health, an exciting new way to communicate with your Healthy Life Care Team via text messages. Schedule your appointments by texting “Hi” to 877-365-0015 or to go www.mymohawkbenefits.com/hlct to download the app. More exciting uses for Spruce will be announced in 2019!
Pharmacy is included when you elect medical coverage. The formulary with Express Scripts can change yearly. To avoid paying full price, please click here to review the 2019 formulary to ensure medications are covered.
Zip Code Search
Use the ZIP code search feature below to see which plan(s) you're eligible for in 2019.
- NO REFERRALS - Choose the doctors you want to see – no referral required to see a specialist.
- DEDUCTIBLE -You pay 100% of your health care expenses until you meet your annual deductible. This includes physician office visits and prescription drugs. See deductible amounts.
- COST SHARING - After meeting your annual deductible, you share the cost of health care expenses by paying co-insurance (a percentage of the total office visit cost).
- PREVENTIVE CARE - In-network routine preventive care and qualifying preventive prescriptions are covered at 100%.
- ALLOWANCE MAXIMUMS - Note that there are allowance maximums for preventive mammogram ($225), preventive mammogram-3D ($285), preventive colonoscopies ($2,250), all MRIs ($2,300 after deductible is met), and CT Scans ($2,000 after deductible is met). See details.
- OUT-OF-POCKET MAXIMUM ALLOWANCE - The most a plan member will pay per year for covered health expenses before the plan pays 100% of covered health expenses for the rest of that year.
> In-Network - Employee Only - $5,000; Family - $13,000
>Out of Network - Employee Only - none; Family - none
- PRESCRIPTION - Qualifying Walmart prescriptions ($4 List) are covered at 100% after meeting your deductible.
- MEDICARE - If you are covered under Medicare, you are eligible to participate in the Company Medical Plan, however, you are not eligible to own an HSA Account per IRS guidelines.
- HSA ELIGIBILITY - Per IRS rules, you must be enrolled in the Company's Medical Plan to have an HSA account; have no other health coverage; not be enrolled in Medicare; and cannot be claimed as a dependent on someone else's tax return.
Medical Plan Details
Click on the plan(s) below that applies to you for details.
Medical Plan Rates
LocalPlus Plan and OAP Plan (non LocalPlus areas)
Premium Local Plus Plan
Medical Plan Surcharges
New enrollees to company medical plan will be required to complete a biometric screening within 60 days of your benefit effective date to avoid a wellness surcharge. For additional details, visit the Biometrics and Health Coaching page.
Based on results, employees and/or covered spouses may be required to complete face-to-face, telephonic or online health coaching. Employees and covered spouses who choose not to work with a Healthy Life Team Navigator (HLN), do not make contact with their HLN or do not complete biometrics testing, will be charged an additional $28.85 per week or $125 per month as a surcharge on top of your medical plan premium.
If you enroll a spouse in the Company Medical Plan, they will be included in a spousal audit for other medical coverage. If your spouse’s employer offers insurance and you elect to cover him/her on Mohawk’s Medical Plan, you will pay an additional $125 per month in medical contributions.
*New hires and those new to the medical plan as a result of a Qualifying Life Event, please visit the Biometrics & Coaching page for details.
The information below outlines ways in which medical surcharges will be applied. Keep in mind, the maximum surcharge is $57.70 per week or $250 per month in addition to your Medical plan contribution.
- $28.85/wk or $125/mo: If covered Employee does not complete a Biometric Screening when notified.
- $28.85/wk or $125/mo: If covered Spouse* does not complete a Biometric Screening when notified.
- $28.85/wk or $125/mo: If covered Employee requires Coaching based on biometric screening results and refuses to work with a health coach.
- $28.85/wk or $125/mo: If covered Spouse* requires Coaching based on biometric screening results and refuses to work with a health coach.
- $28.85/wk or $125/mo: If Spouse* enrolls in the Mohawk Medical plan and has access to other group medical coverage through their employer.
*For coverage, Spouse also refers to Common Law
How the Medical Plan and HSA Work
- Elect the Health Savings Account (HSA) during the medical enrollment process.
- You can contribute pre-tax dollars to a Health Savings Account (HSA).
- In order to receive the Company's HSA contribution, you must contribute to your account, up to the current 2019 federal limit (See “HSA Contributions” section below).
- It’s your choice how and when to use the money – use it to pay for your qualified medical, dental, or vision expenses, or save it for future needs.
- The HSA dollars you use go toward paying your annual deductible.
- Whatever you don’t use in 2019 earns interest and rolls over to 2020.
- With the plan, you’ll pay an annual deductible before your health plan begins to pay for eligible expenses. A deductible is the amount of money that you’ll be required to pay before your plan starts paying benefits.
- You can meet your deductible by using your HSA dollars, your own money or both.
- Only services covered by your health plan count toward your deductible. (See Summary of Benefits below for more details.)
- Once you meet your deductible, you pay co-insurance, which is a percentage of your medical cost. The plan pays for the rest.
- Your deductible counts toward your out-of-pocket maximum (the most you’ll pay in a given year for all covered expenses). Once you meet your out-of-pocket maximum (which includes your deductible), your plan pays covered expenses at 100%.
Health Savings Account (HSA)
The Company contributions* to employee Health Savings Accounts remain the same in 2019.
$500 (if you contribute $250 or more) - Employee only
$800 (if you contribute $400 or more) - Employee + Spouse
$800 (if you contribute $400 or more) - Employee + Child(ren)
$1,100 (if you contribute $550 or more) - Employee + Family
- You receive 50% of the Company funding in January. If you contribute equal to or greater than the 50% during 2019, the Company will match the additional 50%.
- The federal contribution limit (including employer contribution) is Single: $3,500; Family: $7,000. If you are age 55+, you may contribute an additional annual catch-up contribution of $1,000.
*New Hires, New HSA participants and Qualifying life event participants, please see section below regarding HSA Company contributions.
New hires may contribute to their HSA once they become benefit eligible. However, the employee will not receive any Company money during the first calendar year of participation. In 2020, the employee will then be eligible to receive the initial 2020 Company money and the 2020 employer match (as long as the employee is contributing at the appropriate level to the 2020 HSA plan).
- New Hire Example: John Doe is hired Jan. 28, 2019. He may start contributing to the HSA plan once he is benefit eligible; however, during the 2019 calendar year he will not receive any company seed or match. Starting with his first paycheck in 2020, he will receive the 2020 company seed. As long as the employee is contributing to HSA plan, he will receive a match per the terms of the 2020 HSA plan.
New HSA Participants and Qualifying Life Event Participants
New participants to the HSA in 2019 may contribute to their HSA. However, the employee will not receive any Company money during the first calendar year of participation. In 2020, the employee will then be eligible to receive the initial 2020 Company money and the 2020 employer match (as long as the employee is contributing at the appropriate level to the 2020 HSA plan).
Qualifying Life Events During the Year
If an HSA participant has a qualifying life event during the year and changes their HSA coverage (for example changes their HSA plan contribution from Employee Only to Employee + Spouse), they may continue to contribute and receive appropriate company match, however their initial employer seed money provided in January 2019 will not be modified.
HSA Bank administers your HSA account. Any balance remaining in your HSA rolls over to the next year, and if you leave or retire from the Company, the money in your account goes with you. It is never taxable if it is used for qualified medical expenses at any time in the future.
- Contributions to your HSA are taken out of your paycheck before taxes – so the amount of taxes withheld are reduced.
- You will receive an HSA Debit card which draws money directly from your HSA. Use your debit card to pay for services at the doctor’s office, at your local pharmacy, eyeglass retailer or other locations where you purchase medical-related items or services
- The Company pays for the basic banking fees, and the employee is responsible for any additional fees. Please see attached fee schedule for details.
Things to Know About Your HSA
- To receive the Company's HSA contribution, you must elect the Health Savings account (HSA) during the enrollment process.
- HSA Bank may request additional information from you in accordance with the USA Patriot Act. If you don't submit the requested information by the deadline indicated, your account will be closed. Click here for a sample letter and identification verification form to assist you with this process.
- HSA Bank will mail your HSA debit card to a P.O. Box address however, a physical address is needed to keep the account open.
- If you do not receive your HSA debit card in the mail, please contact Cigna customer service at 855-566-4295.
- See additional HSA resources: How to use your HSA | HSA 101 | Navigating your HSA | HSA FAQs
- For HSA Debit card disputes, please see HSA Fraud Protection document.
Plan Documents and Resources
Additional Links and Information
Contact the Benefits Service Center or CIGNA
For questions about your benefits including claims, eligibility, or to order an ID card contact
Benefits Service Center | 1-866-481-4922 OR
Cigna | 1-855-566-4295 | www.mycigna.com
- In Ala., Calif., and N.J., contributions are prior to federal taxes but after state income taxes. Employer contribution, earned interest and investment income are all taxable as gross income for state income tax purposes.