Choosing Medical Benefits
Only you can decide which type of plan is right for you and your family. Be sure to read all plan information carefully. To help you evaluate your options, consider the four “C’s” of choosing coverage:
- Cost — Premiums are not your only expense. Consider all plan costs, including deductibles, copays, coinsurance and out-of-pocket maximums.
- Coverage — Some plans cover certain services, while other plans may not.
- Coordination of care — Under CIGNA Choice Fund and the PPO, responsibility for coordinating your care falls on you. You may have to find your own specialist and coordinate care between your doctors.
- Choice of physicians — In the BCBS PPO and CIGNA Choice Fund, you can choose a doctor inside or outside of the network. However, if you go outside the network, your benefits will be lower and you will pay more for out-of-network services. In the BlueAdvantage Plus, you must choose a doctor or hospital that accepts the plan’s terms and conditions.