1. Are You Leaving Money on the Table?
Michele Bell - Cigna
August 22, 2012

2. Are you making the most of your benefits?+ =
Use tools and free resources
Understand your plan
Save $$
Benefits are an expensive investment
Understand your plan and its provisions
Utilize on-line tools
Be aware of free resources
Ask questions
You own all dollars in a JPMorgan Chase account
Tax-free dollars; earn interest; option to invest
Contribute in a lump sum or via payroll deductions
Use dollars (tax free) for current eligible expenses — or save for future health needs
Choose how to access your dollars:
Automatic claim forwarding
Cigna Choice Fund MasterCard® debit card or checkbook
Year-end balance remains and continues to earn interest

3. Know your Limits!! 2012 H S A Contribution Limits
Because HSAs offer special tax advantages, the IRS puts limits on the maximum amount that can be contributed to the account. These are total contributions, including any contributions you receive from Salient:
Under age 55 and not enrolled in Medicare: (based on a 12-month period)
up to $3,100 individual coverage
up to $6,250 family coverage
Age 55 or older:
Maximum contribution increases by $1,000 (considered a “catch-up” contribution)
up to $4,100 individual coverage
up to $7,250 family coverage
To make the maximum contribution in a calendar year, individuals must:
Meet all requirements to be eligible for HSA contributions on January 1
Remain qualified through December 1
If these criteria are not met, maximum contribution is prorated = 1/12 maximum contribution for each month individual is qualified
PBS Contributions - $600 Single $1200 family
Provided per pay period
You can contribute and change your contributions no more frequently than monthly

4. Plan Ahead!! 2013 H S A Contribution Limits
Because HSAs offer special tax advantages, the IRS puts limits on the maximum amount that can be contributed to the account. These are total contributions, including any contributions you receive from Salient:
Under age 55 and not enrolled in Medicare: (based on a 12-month period)
up to $3,250 individual coverage
up to $6,450 family coverage
Age 55 or older:
Maximum contribution increases by $1,000 (considered a “catch-up” contribution)
up to $4,250 individual coverage
up to $8,250 family coverage
To make the maximum contribution in a calendar year, individuals must:
Meet all requirements to be eligible for HSA contributions on January 1
Remain qualified through December 1
If these criteria are not met, maximum contribution is prorated = 1/12 maximum contribution for each month individual is qualified
PBS Contributions - $600 Single $1200 family
Provided per pay period
You can contribute and change your contributions no more frequently than monthly

5. Are you Maximizing your Contributions to the Cigna Choice Fund HSA?
Employers
Account Holders 
Payroll withholding of Employee HSA contributions 
Unscheduled Deposits to the HSA Account
Transfers from other HSA Accounts 
Employer Contributions to Employee HSA accounts 
Cigna is aggressively committed to providing consistently high-quality service that’s continuously improving for you, your employees and our provider partners. This means:
Working with you every step of the way throughout the lifecycle of your benefit year – from account implementation through maintenance and service.
Your account or benefit changes are set up correctly and on time for the start of your plan year.
You receive rapid and efficient responses to service needs.
Your bills are directly integrated with your eligibility (eligibility-based billing) for improved automation and quality, and encompass all health care products and funding types for ease of reference.
Finding new and better ways to get answers to your employees when they call Member Services with questions.
Finding ways to process your claims more quickly, but, at the same time, with a sharp focus on quality.
Finding ways to make it easier for doctors and hospitals to work with Cigna, which goes a long way in the satisfaction of their patients who are also your employees and our members.
At all times, we never rest in our pursuit of thoughtful, meaningful ways to make your service experience with Cigna as good as it can be – one of the reasons we’ve embraced the Six Sigma approach to continuous quality improvement (more on that later).
This slide shows a snapshot of how – for customers like you, members, and providers – we bring this commitment to life. I’ll touch more on each group in a moment.
There is a common thread throughout each group: taking a customer-centric approach to service that focuses on meeting your unique needs.
Monies sent to JPMorgan Chase from the Employer
Monies sent to JPMorgan Chase via Mail with Transaction Specific Deposit form
EFT transfer from individual’s personal account

6. What Can Money in the HSA be Used For?
The IRS determines what is a “qualified health expense”
Qualified health expenses
Expenses eligible under the medical plan
Expenses incurred after the HSA account is established
Other expenses typically covered through an FSA: Medical, pharmacy including some over-the-counter medications*, vision and dental
A more comprehensive list is available on myCigna.com
Use the HSA to pay for qualified health expenses for:
Employee
A spouse as recognized by the IRS
Dependents as recognized by the IRS
The HSA cannot be used for a domestic partner
Domestic Partners and Dependents who are not recognized by the IRS
Can be covered through the HSA-qualified medical plan
However, since HSA cannot be used for these dependents, Automatic Claim Forwarding should NOT be elected if they are covered through the HSA-qualified medical plan
*Purchases of most over-the-counter drugs and medicines on or after January 1, 2011, cannot be reimbursed without a doctor’s prescription and store receipt
One of the key elements of the Cigna Choice Fund HSA is automatic claim forwarding. Automatic claim forwarding gives the member the option to have Cigna pay their in-network provider directly from their savings account. Cigna applies the appropriate discounts, then pays the provider. No claim forms to fill out, no extra checks, no visit to the ATM. The member doesn’t need to do a thing. Members can make this election at enrollment, or any time during the year. Of course, they can change their election at any time, too, using a form on myCigna.com.
Of course, if the member doesn't want automatic claim forwarding, perhaps because they want the value of their savings account to grow, or perhaps because they only want to pay large claims from their savings account, there are still many other options for paying medical claims. After Cigna processes a claim and applies the appropriate discounts:
A member can pay their provider using their Cigna Choice Fund JPMorgan Chase/MasterCard® debit card. Either by withdrawing cash from an ATM, or by giving the debit card number to the provider, just as you would with any other debit or credit card.
A member can write a check to the provider that draws from their savings account.
A member can pay the provider using their own money, then reimburse themselves later in the year by writing a check to themselves or withdrawing money from an ATM.
Which ever way you chose, Cigna Choice Fund HSA gives consumers a great deal of flexibility in accessing their savings account dollars.
Note to presenter: ONLY IF ASKED
Debit card transactions, no limit: No charge
ATM usage – cash withdrawals, denials, balance inquiries: $1.25 per transaction
Over-the-counter Teller Withdrawals: $3.00 per transaction
Replace lost or stolen debit card: $15.00 per occurrence
Checks
Check writing $1.35 per check processed
Stop check service $20.00 per occurrence
Non Sufficient Funds (NSF) $20.00 per occurrence
Duplicate Check $10.00 per copy
Account closing: $20.00 per account
Returned deposit of check or EFT $10.00 per deposit

7. Are you leaving money on the table?
We know money doesn’t grow on trees, but did you know:
Preventive care is available in-network at 100% coverage (for children AND adults)?
H S A funds “roll over” so they’re available when you need them – this year or next?
You deductible and out-of-pocket expenses will be lower when you use a Cigna in-network doctor/hospital/lab
Many drugs are available in a generic form – which in most cases is much less expensive than the brand alternative – your doctor can help you determine if a generic may be right for you and/or your family
You have FREE access to a nurse 24/7 with one simple phone call?
You can access discounts through Healthy Rewards?

8. Preventive Care is Covered at 100% Savings Tip!
Your health plan focuses on helping to keep you well, rather than just providing coverage for covered illness or injury.
Your plan includes coverage for wellness services for women, men and children.
Your doctor will determine the tests that are right for you based on your age, gender and family history. Always discuss your preventive care needs with your doctor.
Ask you doctor to code your preventive care visits as such, not a regular office visit

9. Know Before You Go! Cost of Care Estimator
Health care professionals can generate accurate, personalized pre-care estimates of a patient’s anticipated costs – to help facilitate financial discussions and set expectations.
Explanation of Estimate
Generated by health care professional/facility, and specific to their services
Based on a real-time snapshot of the patient’s coverage
Illustrates “the math” and helps educate patients about how their coverage influences what they can expect to owe
Estimated total cost for treatment
Estimate of what a patient will owe, based on his/her plan
Estimated out-of-pocket costs 9 9
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2010 Cigna 9

10. Are you confirming that you’re not paying more than you should?
Explanation of Benefits (EOB)
Available in print or online at myCigna.com
Choose if you would like EOBs mailed to your home, or go paperless and receive alerts after each claim is processed and posted to myCigna.com
Clearly shows how and when claims were paid, and by which plan and/or account(s)
Quarterly Health Statement
Available online at myCigna.com
You will be alerted by after each statement is posted to myCigna.com
Shows year-to-date deductibles, all claim activity and out-of-pocket expenses for that quarter

11. Track Year-To-Date Expenses
Quarterly Health Statement
Summarizes value of coverage based on cost/quality decisions
Includes year-to-date accumulator information, including deductible, out-of- pocket, etc.
Design consistent with Explanation of Estimate and Explanation of Benefits for easy comparisons

12. One Website to Manage Cigna Choice Fund HSA Medical Plan and Bank Account
24/7 online health account management
Review personalized plan coverage
Check available balances
Track claims and payments
Get HSA bank account information
Manage investment accounts via link to JPMorgan Chase
At-A-Glance
Account Summary

13. myCigna.com Links Directly into JPMorgan Chase
At-A-Glance
Account Summary
Karen Smith
Karen Smith
Copyright © 2007 JPMorgan Chase & Co. All rights reserved.

14. “Going Green” can save you money!
More environmentally-friendly options available for how you choose to receive information about your Cigna Choice Fund® Health Savings Account (HSA)
You will be prompted to review and accept the "Online Service E-Sign Disclosure and Consent" when you log in to the secure HSA accountholder site for the first time after March 17th, 2012
If you accept the terms, information will be provided to you electronically
Want to continue to receive your information on paper?? You can certainly do that, but a paper statement fee will apply
More information is available when you log in on-line
As part of Cigna's and JPMorgan Chase's initiatives to be more environmentally-friendly, customers will have new options available for how they choose to receive information about their Cigna Choice Fund® Health Savings Account (HSA).  Both existing and new users will be prompted to review and accept the "Online Service E-Sign Disclosure and Consent" when they log in to the secure HSA accountholder site for the first time after March 17th, 2012.   After the customer accepts the terms, communications associated with their HSA, including legal and regulatory disclosures, will be provided electronically.  In addition to reviewing their preferences for their monthly and annual statements, customers will now also have the option to select whether to receive paper or electronic versions of their Tax Statements and the annual HSA Privacy Policy.  For more information, contact your client's HSA banking specialist. Please note that an employee can elect to receive paper statements, however a $1.25 fee per paper statement may apply.

15. Account Fees Paper Statement Fee, if activated $1.25 per statement
ATM Transactions
No charge, when using a JPMorgan Chase or Washington Mutual ATM
Order of 25 Checks
$10.65 per order of 25 checks
Checks Returned
$20.00 per returned check
Check Stop Payment Service
$20.00 per stopped check
Duplicate Check
$10.00 per copy
Debit Card Transactions at Merchant
No charge, without limitation
Replace Lost or Stolen Debit Card
$15.00 per occurrence
Returned Deposit Check or EFT
$10.00 per occurrence
Foreign Currency Conversion
2.5% of purchase amount
Account Closing
$20.00 per account
Investment Account Fee
$2.50 per month

16. Tax Form 1099-SA – HSA Distributions
Reports calendar year distributions from the HSA
ATM withdrawals
Debit card purchases
Cash advances made at bank branches
HSA checks paid
Automatic claim payments
Mailed in late January
If no distributions during the year, 1099-SA will not be sent
2009

17. Tax Form 5498-SA – HSA Contributions & Transfers
Reports Fair Market Value (FMV) as of December 31 of the tax year
Contributions can be made until April 15 of the next tax year, so the SA is mailed in late January and again in May
Interest is not a contribution; it is included in the FMV
Incoming rollovers or trustee-to-trustee transfers
Incoming individual rollovers are reported separately on the form
2009

18. What Are My HSA Savings and Investment Options?
$2,000 minimum in HSA to invest
Once the investment account is opened, no minimum balance applies
Ten mutual funds from which to choose
Investments can be allocated into one fund or multiple funds
No minimum deposit for any fund
Tax-free growth of interest or investment earnings
Monthly fees apply
Online trading – no fees apply
Track your balance online or with convenient monthly statements 18

19. myCigna.com – One Stop for Great Information

20. Treatment Decision Support

21. 24-Hour Health Information Line
Toll free, 24 hours a day, 7 days a week
Convenient access to registered nurses
Health and wellness audio library
Find a nearby provider any time - day or night
General health information
Specific health information about an illness or condition
Location of an appropriate level of care
The Cigna HealthCare 24-Hour Health Information LineSM can be a valuable resource
for you and your family.
You can speak to a registered nurse who will provide confidential answers to health care questions, helpful home care suggestions, and recommended settings for care. Our goal is to help you make more informed health care decisions.
You’ll have access to our extensive audio library on topics that affect every member of the family. Topics include childhood illnesses, pregnancy, parenting, men's and women's health issues, mental health, elder concerns and much more. Your call will be confidential.
You can locate medical providers in your community or wherever you’re traveling.
The call is toll free from anywhere in the U.S. Voice prompts will quickly guide you to the information you need. Use it any time you’re concerned. Or just curious.

22. Right Care – Right Place – Right Time
Physician’s Office
Convenience Care Center
Urgent Care Facility
Emergency Room
The Cigna HealthCare 24-Hour Health Information LineSM can be a valuable resource
for you and your family.
You can speak to a registered nurse who will provide confidential answers to health care questions, helpful home care suggestions, and recommended settings for care. Our goal is to help you make more informed health care decisions.
You’ll have access to our extensive audio library on topics that affect every member of the family. Topics include childhood illnesses, pregnancy, parenting, men's and women's health issues, mental health, elder concerns and much more. Your call will be confidential.
You can locate medical providers in your community or wherever you’re traveling.
The call is toll free from anywhere in the U.S. Voice prompts will quickly guide you to the information you need. Use it any time you’re concerned. Or just curious.

23. Convenience Care Center Sample Treatments Available
Allergies
Bladder infection
Bronchitis
Common Cold/Flu
Ear infections
Strep Throat
Minor burns, rashes or skin infections
Pink eye and styes
Vaccines: Influenza, Hepatitis, Polio, Meningitis, Pneumonia, etc.

24. How Do I Find A Convenience Care Clinic Near Me?
Log on to mycigna.com
Click on “Find A Doctor Or Service”
Under “Find A Place”, Click “Specialty Center”
Then Click On:
We want you to have peace of mind knowing that quality care is close by. We offer access to quality care coast to coast.
CIGNA HealthCare contracts with thousands of doctors, hospitals and facilities nationwide. Each is credentialed and regularly reviewed. In addition, our Web tools make it easy to find participating doctors and compare hospitals based on data for surgical and medical procedures.
While we have a national presence, we maintain a local focus. (optional sentence)We offer access to _______ health care providers in your area. Local CIGNA HealthCare medical and customer service professionals work to provide you access to quality care. We’re part of your community.

25. More Ways to Save Money…
Talk to your doctor about your benefits, and ask for the best care for the best price.
The care decisions you make with your doctor can make a big difference in your out of pocket costs. For prescription drugs, your doctor often has more than one drug to choose from to treat your condition or illness. Though similar in effect, these drugs can vary greatly in terms of your out of pocket expenses. By sharing your specific benefits, your doctor can determine whether there are any alternatives that can get you the care you need while protecting your wallet.
Use in-network doctors, hospitals and facilities.
Health plans negotiate rates with certain doctors, hospitals and facilities (such as radiology centers). When you use these “in-network” providers, you can save a lot. When you don’t, you may have to pay higher deductibles or coinsurance. Additionally, you may have to pay any difference between your health plan’s maximum reimbursement amount and your doctor’s charges. It’s important to know that the “in-network” concept doesn’t just apply to doctors. So if your doctor recommends that you visit a specialist, or sends you for a test or a hospital visit, you’ll want to make sure that the facility or hospital you go to is in your health plan’s network. You can find out which doctors and facilities are in-network by calling your health plan or checking their website.

26. And a Few More Ways to Save…
Let Your Fingers Do The Walking (or Driving)
There may be times when you can avoid the hassle and expense of an in-person office visit with your doctor, while still getting the support you need.
Medication adjustments
If you are taking prescription medications and want to switch to mail order or generic, often providers will write and fax new prescriptions directly to your pharmacy and/or mail order pharmacy without requiring you to spend the time, energy and money associated with a scheduled office visit.
Lab follow-ups
Doctors are often willing to have a brief phone call to discuss results of common lab tests such as a cholesterol screening. If the results are good, you may save yourself the co-pay and time. If the results require further treatment, you can then schedule an appointment as needed.

27. Having a Baby? Healthy Babies - First Steps to a Healthy Pregnancy
Toll free, 24 hours a day, 7 days a week
Features educational information from the March of Dimes
Prenatal care information and resources
Depression, Stress and Dental Care during pregnancy
Free to all Salient Cigna members
The Cigna HealthCare 24-Hour Health Information LineSM can be a valuable resource
for you and your family.
You can speak to a registered nurse who will provide confidential answers to health care questions, helpful home care suggestions, and recommended settings for care. Our goal is to help you make more informed health care decisions.
You’ll have access to our extensive audio library on topics that affect every member of the family. Topics include childhood illnesses, pregnancy, parenting, men's and women's health issues, mental health, elder concerns and much more. Your call will be confidential.
You can locate medical providers in your community or wherever you’re traveling.
The call is toll free from anywhere in the U.S. Voice prompts will quickly guide you to the information you need. Use it any time you’re concerned. Or just curious.

28. Find Docs & Services with Cost and Quality Transparency
Your search results are personalized according to your health plan.
Don’t know your doctor’s specialty? No problem. myCigna.com will help you find the right doctor without confusing medical titles.
Too many doctors to choose from? Refine your search according to the criteria that’s important to you.
Quality distinctions and cost-efficiency ratings of doctors with every result
Compare out-of-pocket estimates – specific to your coverage plan – for actual treatment and procedure costs. And, out-of-pocket estimates calculate your deductible, the percentage you pay (coinsurance) and any account balances on that given day.
Estimates show both doctor and facility fees in one place, allowing you to more accurately compare total costs of treatment before choosing your doctor and where to receive care.

29. Free Resources to Consider
Healthy Rewards
Provides discounts on many non-covered health related services such as:
Massage Therapy
Health related DVDs/Videos/Books
Discounted Magazine Subscriptions
Weight Management and Nutrition
Fitness Center Discounts
Lifestyle Management Programs
Stress Management
Tobacco Cessation
Weight Management
On-line Health Assessment
Limeade Challenges

30. QUESTIONS?
"Cigna", “Cigna HealthCare”, "myCigna.com" and the "Tree of Life" logo are registered service marks of Cigna Intellectual Property, Inc., licensed for use by Cigna Corporation and its operating subsidiaries. All products and services are provided exclusively by such operating subsidiaries and not by Cigna Corporation. Such operating subsidiaries include Connecticut General Life Insurance Company (CGLIC), Cigna Health and Life Insurance Company (CHLIC), Tel-Drug, Inc. and its affiliates, Cigna Behavioral Health, Inc., Intracorp, and HMO or service company subsidiaries of Cigna Health Corporation and Cigna Dental Health, Inc. In Arizona, HMO plans are offered by Cigna HealthCare of Arizona, Inc. In California, HMO plans are offered by Cigna HealthCare of California, Inc. In Connecticut, HMO plans are offered by Cigna HealthCare of Connecticut, Inc. In North Carolina, HMO plans are offered by Cigna HealthCare of North Carolina, Inc. All other medical plans in these states are insured or administered by CGLIC or CHLIC. All models are used for illustrative purposes only a 08/ © 2010 Cigna Some content provided under license.