2022 Employee Benefits Guide - January 1, 2022 - December 31, 2022 - Colorado Mesa University
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2022 Employee Benefits Guide January 1, 2022 - December 31, 2022
Colorado Mesa University is authorized by the Board of Trustees to offer a broad array of
benefits to its professional staff. The benefits are subject to change, from time to time, at
the direction of the Trustees. Additional information about specific benefits and copies
of plan documents may be obtained from the Office of Human Resources. To the extent
this policy conflicts with the plan documents, the plan documents are controlling.
Benefits Eligible Professional Personnel are employees who are Faculty, Administrators,
or Auxiliary employees of the University with an appointment of at least a 0.75 FTE
during the fiscal year. Benefits are effective the first day of the month following the date
of hire. If the date of hire is the first day of the month, benefits begin immediately.
For further questions, contact:
Human Resources
970.248.1820
Amy Grimes | Benefits Manager
aegrimes@coloradomesa.edu
Table of CONTENTS Medical 4 Life and AD&D 19 Telehealth 7 Disability 20 Cigna Informational Resources 8 Accident/Cancer 21 Benefits: The Basics 10 Retirement 22 Dental 11 Other Benefits 23 Vision 13 Colorado State EAP 24 Wellness 14 Premiums 25 Flexible Spending Account 15 Important Notices 27 Health Savings Account 16 Notes 29
We understand how confusing and overwhelming it can
After enrollment, the support continues for
be to review your health plan options. And we want to After enrollment, the support continues
Cigna customers.
for Cigna customers.
MEDICAL
help by providing the resources you need to make a
decision with confidence. That’s why Cigna One Guide® CignaOne
Cigna One Guide
Guideservice
servicewill
willbebe
there to guide
there to guide
service is available to you now. you through the complexities of the health care
you through the complexities of the health care
system, and help you avoid costly missteps. Our
Call a Cigna One Guide representative during system, and help you avoid costly missteps. Our
goal is a simpler health care journey for you and
We understandpreenrollment
how confusing and
to get overwhelming
personalized, it guidance.
useful can be goal is a simpler health care journey for you and
your family.
to review your health plan options. And we want to help by your family.
Your personal guide will help you: Cigna One Guide service provides personalized
providing the resources you need to make a decision with
assistance to help you:
› Easily understand
confidence. That’s why Cigna Onethe
Guide® service
basics of is available
health coverage Cigna One Guide service provides
to you now. › Resolve health
personalized assistance to help you:
care issues
› Identify the types of health plans available to you › Save time
› Resolve health
and care
moneyissues
› Check
Call a Cigna One Guideif representative
your doctors areduring preenrollment
in-network to
to help you avoid › Gettime
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the most money
of your plan
› Get the most out of your plan
get personalized,unnecessary
useful guidance.
costs › Find hospitals and health care providers in your
› Find hospitals
› Get answers to any other questions you may have plan’s networkand health care providers in your
Your personal guide will help you: plan’s network
about the plans or provider networks available to you › Get cost estimates and avoid surprise expenses
› Get cost estimates and avoid surprise expenses
› Easily understand the basics of health coverage
The best part is, during the enrollment period, your
› Understandyour
› Understand your bills
bills
› Identify the types of health
personal guide isplans
just aavailable
call away. to you
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Access One
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enrollment
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Don’t wait until the last minute to enroll.
unnecessary costs in the way
in the that’s
way that’smost convenient
most convenient forfor you:
you:
› Get answers Call 888.806.5042
to any to speak
other questions youwith
maya Cigna
have One Guide
about the myCigna.com
mycigna.com oror
thethe Live chat
Live chat Phone
Phone
representative today. myCigna® app
mycigna app
plans or provider networks available to you
The best part is, during the enrollment period, your personal
guide is just a call away — 888-806-5042.
Eligible employees have four medical insurance plans available, provided by Cigna. Dependents are eligible for coverage
up to age 26 regardless of student or marital status.
Cigna OAP 350 Cigna OAP 1250
Offered by: Cigna Health and Life Insurance Company, Connecticut General Life Insurance Company or their affiliates.
In-Network Out-of-Network In-Network
Product availability may vary by location and plan type and is subject to change. All group health insurance policies and health benefit plans contain exclusions and limitations. For costs and
Deductible complete details of coverage,
$350 see your plan documents.
individual / $600 family $500 individual / $1,000 family $1,250 individual / $2,500 family
All Cigna products and services are provided exclusively by or through operating subsidiaries of Cigna Corporation, including Cigna Health and Life Insurance Company (CHLIC), Connecticut General
Life Insurance Company,
$3,000 Cignaindividual
Behavioral Health, Inc., Cignafamily
/ $5,000 Health Management,
$4,000 Inc., and HMO or service
individual company subsidiaries
/ $6,000 family of Cigna Health Corporation,
$4,500 individual including Cigna HealthCare
/ $9,000 family of
Out-of-PocketArizona, Inc., Cigna HealthCare of California, Inc., Cigna HealthCare of Colorado, Inc., Cigna HealthCare of Connecticut, Inc., Cigna HealthCare of Florida, Inc., Cigna HealthCare of Georgia, Inc., Cigna
(All copayments apply toward the (All copayments apply toward the (All copayments apply toward the
Maximum HealthCare of Illinois, Inc., Cigna HealthCare of Indiana, Inc., Cigna HealthCare of St. Louis, Inc., Cigna HealthCare of North Carolina, Inc., Cigna HealthCare of New Jersey, Inc., Cigna HealthCare of
South Carolina, Inc., Cignaout-of-pocket maximum)
HealthCare of Tennessee, Inc. (CHC-TN), and Cigna HealthCareout-of-pocket maximum)
of Texas, Inc. Policy forms: out-of-pocket
OK - HP-APP-1 et al., OR - HP-POL38 maximum) et al.
02-13, TN - HP-POL43/HC-CER1V1
(CHLIC); GSA-COVER, et al. (CHC-TN). The Cigna name, logo, and other Cigna marks are owned by Cigna Intellectual Property, Inc. All pictures are used for illustrative purposes only.
Lifetime Maximum
901993 b 06/20 © 2020 Cigna. Some content providedNo underlifetime
license. maximum No lifetime maximum
$45 copay for PCP
Office Visit
$30 copay 30% coinsurance after deductible $60 copay for specialist
PCP/Specialist
$45 for any other provider visit
Lab/X-Ray $15 copay 30% coinsurance after deductible 25% coinsurance after deductible
Scans-MRI/CAT/PET $100 per scan then Ded/Coins 30% coinsurance after deductible 25% copayment after deductible
$150 copay, not subject to deductible,
Emergency Care 25% coinsurance after deductible
for emergency room (copay waived if admitted)
$500 copay/admission
Inpatient Hospital 30% coinsurance after deductible 25% coinsurance after deductible
plus 90% coinsurance
$250 copay/visit
Outpatient Hospital 30% coinsurance after deductible 25% coinsurance after deductible
plus 90% coinsurance
Chiropractic Care $30 copay 30% after deductible $45 copay
Tier 1: $15 Tier 1: $15
Prescription Drugs
Tier 2: $30 Tier 2: $30
Retail Not Covered
Tier 3: $45 Tier 3: $45
(31-day supply)
Tier 4: 20% up to $150 Tier 4: 20% up to $150
Prescription Drugs
Mail Order 2 times retail Not Covered 2 times retail
4 (90-day supply)
MEDICAL
Enhanced registration
When you register for the first time on the myCigna website or app, you’ll be required to provide a primary email
address. Having an email address helps Cigna better protect the information in your myCigna account. We can send
automatic alerts when you update your email or password. Your email address also can be used when you need help
recovering your myCigna user ID or password.
Two-step authentication
With two-step authentication, you have the option of adding an extra layer of security to your myCigna account
to further protect your claim, health and account information.
1. First, you’ll be encouraged to add, update and verify contact information – email addresses and mobile
phone numbers.
2. Once you enable two-step authentication and
log in to your myCigna account, you’ll be asked USER ID
to enter your user ID and password, as well name@example.com
+ =
CODE
as a six digit code that will be sent to either PASSWORD XXXXX
your email address or mobile phone number. *********
You’ll also be offered to select “Remember this
Device.” If this choice is selected, you won’t be
prompted for a code each time you log in to
your myCigna account from that device.
Cigna HSA OAP 3500* Cigna OAP 5000
In-Network Out-of-Network In-Network
$3,500 individual / $6,500 family $3,500 individual / $6,500 family $5,000 individual / $10,000 family
Deductible (Deductibles shall be applied to (Deductibles shall be applied to (Deductible shall be applied to
(individual/family)Questions?
satisfy the out-of-pocket satisfy the out-of pocket satisfy the out-of pocket
maximum) maximum) maximum)
Now compatible with iPhone® X devices
Out-of-Pocket Maxquestions
If you have any $3,500about your
individual myCigna
/ $6,500 family $6,750 individual / $13,500 family $5,000 individual / $10,000 family
The Apple® Face ID® feature for iPhone X devices
account or
Lifetime Maximumyour plan benefits, call the number on the
No lifetime maximum is a new way to unlock andNo lifetime maximum
authenticate your
back of your Cigna ID card. Customer service
Office Visit myCigna app. It’s even more convenient than the
representatives are ready
100%to speakafter
covered withdeductible
you 24/7/365.50% coinsurance after ®deductible 100% covered after deductible
(PCP/Specialist) Touch ID tool, and makes authenticating fast and
easy. Other iPhone users can still use Touch ID to
Lab/X-Ray 100% covered after deductible 50% coinsurance after deductible 100% covered after deductible
log in to the app.*
Scans-MRI/CAT/PET 100% covered after deductible 50% coinsurance after deductible 100% covered after deductible
Emergency Care 100% covered after deductible, for emergency room 100% covered after deductible
Inpatient Hospital 100% covered after deductible 50% coinsurance after deductible 100% covered after deductible
Outpatient Surgery 100% covered after deductible 50% coinsurance after deductible 100% covered after deductible
Chiropractic Care 100% covered after deductible 50% coinsurance after deductible 100% covered after deductible
Prescription Drugs 100% covered after capabilities.
deductible
* Please refer to your phone’s manufacturer for your phone’s specific The downloading and use of the myCigna app is subject to the terms and conditions of the app and the online
Retail Not Covered
stores from which it is downloaded. Standard mobile phone carrier and data usage charges apply.
(31-day supply) Preventive Generic Drugs:
iPhone, Apple, Face ID and Touch ID are Certain
registered trademarks of Apple Inc. drugs 100% covered after deductible
Prescription Drugs preventive generic
AllMail
Cigna products
Orderand services are provided covered at 100%,
exclusively not operating
by or through subjectsubsidiaries
to of Cigna Corporation, including Cigna Health and Life Insurance Company, Connecticut General Life
Not Covered
Insurance
(90-day Company,
supply) Cigna Behavioral Health, Inc., anddeductible.
HMO or service company subsidiaries of Cigna Health Corporation. The Cigna name, logo, and other Cigna marks are owned by Cigna
Intellectual Property, Inc. All pictures are used for illustrative purposes only.
*A version of this plan is available with Cigna’s HSA.
832643 g 06/18 © 2018 Cigna. Some content provided under license. 5
FINDING A DOCTOR IN
OUR DIRECTORY IS EASY
FINDING A DOCTOR IN
Is your doctor or hospital in your plan’s Cigna network? Cigna’s online directory makes it easy to find who (or what)
you’re looking for.
OUR DIRECTORY ISNETWORK
SEARCH YOUR PLAN’S EASYIN FOUR SIMPLE STEPS
Step 1 Step 2 Step 3 Step 4
Go to Cigna.com, and click on “Find Change the geographic location Answer any Optional: Select
Is your doctor or hospital in your plan’s Cigna network? Cigna’s online directory makes it easy to find who (or what)
a Doctor” at the top of the screen. to the city/state or zip code you clarifying questions, one of the plans
you’re looking for.
Then, under “How are you want to search. Select the search and then verify offered by your
SEARCH YOUR PLAN’S NETWORK IN FOUR SIMPLE STEPS
Covered?” select “Employer or type and enter a name, specialty where you live employer during
School.” or other search term. Click on (as that will open enrollment.
one of our suggestions or the determine the
(If you’re already a Cigna customer,
magnifying glass icon to networks available).
log in to myCigna.com or the myCigna ®
see your results.
app to search your current plan’s
Step 1 To search other networks,
network. Step 2 Step 3 Step 4
Go to
use Cigna.comand
theCigna.com, click on “Find
directory.) Change the geographic location Answer any Optional: Select
a Doctor” at the top of the screen. to the city/state or zip code you clarifying questions, one of the plans
That’s it! You“How
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search. years
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School.” or other search term. Click on (as that will open enrollment.
There are so many things to love about Cigna. Our directory search is just the beginning.
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(If you’re already a Cigna customer,
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magnifying–glass
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managing your health plan, anytime,
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log in to myCigna.com or the myCigna®
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app to search your current plan’s
to live a healthier life and more.
network. To search other networks,
Questions?
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a healthier life and more.
All Cigna products Call
Questions? 1.888.806.5042
and services are provided exclusively by or through operating subsidiaries of Cigna Corporation, including Cigna Health and Life Insurance Company (CHLIC), Connecticut
General Life Insurance Company, Cigna Behavioral Health, Inc., and HMO or service company subsidiaries of Cigna Health Corporation, including Cigna HealthCare of Arizona, Inc., Cigna HealthCare
of California, Inc., Cigna HealthCare of Colorado, Inc., Cigna HealthCare of Connecticut, Inc., Cigna HealthCare of Florida, Inc., Cigna HealthCare of Georgia, Inc., Cigna HealthCare of Illinois, Inc.,
Cigna HealthCare of Indiana, Inc., Cigna HealthCare of St. Louis, Inc., Cigna HealthCare of North Carolina, Inc., Cigna HealthCare of New Jersey, Inc., Cigna HealthCare of South Carolina, Inc.,
Cigna HealthCare of Tennessee, Inc. (CHC-TN), and Cigna HealthCare of Texas, Inc. Policy forms: Medical: OK - HP-APP-1 et al., OR - HP-POL38 02-13, TN - HP-POL43/HC-CER1V1 et al. (CHLIC);
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g 08/19 © 2019Health and content
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6
Providers and facilities that participate in the Cigna network are independent practitioners solely responsible for the treatment provided to their patients. They are not agents of Cigna. Product availability
WHEN LEAVING THE HOUSE
IS EASIER SAID THAN DONE.
Get care whenever and wherever with virtual medical
and behavioral care.*
Life is demanding. It’s hard to find time to take care of yourself and your family members as Convenient? Yes.
it is, never mind when one of you isn’t feeling well. That’s why your health plan through Cigna Costly? No.
includes access to virtual medical and behavioral care.
Medical virtual care
Whether it’s late at night and your doctor or therapist isn’t available or you just don’t have the for minor conditions
time or energy to leave the house, you can: costs less than ER or
› Access care from anywhere via video or phone. urgent care center
› Get minor medical virtual care 24/7/365 – even on weekends and holidays.
FINDING A DOCTOR IN
› Schedule a behavioral/mental health virtual care appointment online in minutes.
visits, and maybe
even less than an
› Connect with quality board-certified doctors and pediatricians as well as licensed counselors
and psychiatrists. OUR DIRECTORY IS EASY in-office primary care
provider visit.
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through Cigna includes andaccess
pediatricians
to virtual can medical
diagnose,and Licensed counselors and psychiatrists can diagnose,
treat and prescribe
behavioral care. most medications for minor medical treat and prescribe most Convenient?
medications for Yes.
nonemergency
conditions, such as: behavioral
Is your doctor or hospital in your plan’s Cigna network? health
Cigna’s online conditions,
directory makes such as:to find who (or what)
it easy
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›Whether
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you’re
› Insect yourfor.
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SEARCH YOUR PLAN’S NETWORK IN FOUR SIMPLE STEPS
›available
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› Bipolar › Parenting issues
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›
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Access care from ›anywhere
› Cold and flu
Pink eye via video or phone.
› Rashes
› Depression
› Eating disorders
minor conditions› Trauma/PTSD costs less
› Women’s issues
› Get minor medical› Respiratory
› Constipation virtual careinfections
Step 1
24/7/365 – even on
Step 2› Grief/Loss
than ER or urgent care
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Go to Cigna.com, and click on “Find Change› Life changes locationcenter
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can diagnose,
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see your results.
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results by distance, years in practice, specialty, languages spoken and more.
› Schedule an appointment with first.
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Then chooseprovider or licensed therapist on myCigna.com
Cigna.
› Call MDLIVE 24/7 at 888.726.3171
There are so many things to love about Cigna. Our directory search is just the beginning.
After you enroll, you’ll have access to myCigna.com – your one-stop source for managing your health plan, anytime,
To connect with anjust
MDLIVE virtualOn
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c 09/21
Offered by: Cigna Health and Life Insurance Company, Connecticut General Life Insurance Company or their affiliates.
Providers and facilities that participate in the Cigna network are independent practitioners solely responsible for the treatment provided to their patients. They are not agents of Cigna. Product availability 7
may vary by location and plan type and is subject to change. All group health insurance policies and health benefit plans contain exclusions and limitations. For costs and details of coverage, see your
EXPRESS SCRIPTS
PHARMACYSM
Our home delivery pharmacy
If you take a medication every day to treat an ongoing health condition, Express Scripts Pharmacy,
our home delivery pharmacy, may be a convenient option for you. Express Scripts Pharmacy,
which is a Cigna company, is one of the country’s largest home delivery pharmacies.
Why choose home delivery?
› Convenience. Don’t waste time standing in line at the
pharmacy. Express Scripts Pharmacy will ship your
medication to you at no extra cost. And when you
sign up for automatic refills,* it’s even easier to stay
on track with your important medications. Two easy ways to place a new order
› Safe, private delivery. Express Scripts Pharmacy’s 1. Electronically: For fastest service, ask your
packaging is designed to protect your privacy and doctor’s office to send your prescription
stand up to bad weather. electronically to Express Scripts Home
› Easy refills. Fill up to a 90-day supply of your Delivery, NCPDP 2623735.
medication at one time, so you fill less often. 2. By fax: Have your doctor’s office call
› Free refill reminders. Express Scripts Pharmacy 888.327.9791 to get a Fax Order Form.
will send you refill reminders** to help make sure
you don’t miss a dose.
› Track your orders. You can refill your prescription
For current prescriptions – it’s easy to
and track your orders online or from your
mobile phone. move them to Express Scripts Pharmacy.
› 24/7 access to licensed pharmacists. Express Just call 800.835.3784 and have your doctor’s
contact information and prescription medication
Scripts’ pharmacists are trained to provide
specialized support for conditions like diabetes, name(s) and dosage(s) ready. Express Scripts
high blood pressure and high cholesterol. Pharmacy will do the rest.
› Payment assistance. If you need help paying for
your medication, Express Scripts Pharmacy offers an
Extended Payment Plan, which gives you the option
to split your bill into three smaller payments.
Offered by: Cigna Health and Life Insurance Company or its affiliates.
8 935410 11/19
Use the myCigna® app or website. Connect
to your Express Scripts online account portal,
and more. Questions?
EASY
› TO REGISTER.
Compare your medication costs before you place We’re available anytime, 24/7/365.
your order. You can use the “Price a Medication”
› Talk to customer service about a benefit
EASY TO USE.
feature to find out how much your medication will
cost you to fill at home delivery compared to an
question: Call the number on your Cigna
ID card
in-network retail pharmacy.***
› You can also chat with us online on
› Seetowhich
Get know the full your
medications value
planof myCigna.
covers and search the myCigna website, Monday–Friday,
for lower-cost alternatives (if available). 9:00 a.m.–8:00 p.m. EST.
› Connect to your Express Scripts online account
portal to manage your medications.
– Refill your prescriptions and/or request a 800.835.3784
new prescription
From programs
– Check that
your order helpand
status improve your health
track shipments so to tools that help manage your health
spending, there’s
you know when so
youmuch
should you canmedication
get your do on myCigna.com or the myCigna® app.
– Sign up for Express Scripts’ automatic refills
and/or auto renewal program
EASY TO REGISTER.
– See your order and medication histories
– Update your profile information, like your contact
Place
an order
Talk to customer
service about
Talk to a
pharmacist about
an order your medication
and payment information, what allergies and/or
EASY TO USE.
Find in-network Manage and See cost estimates
health conditions you have, and how you’d like
doctors, hospitals track claims
Express Scripts Pharmacy to contact you
for medical
Compare quality
of care information
Access a variety
of health and
and medical procedures for doctors and wellness tools
services hospitals and resources
Get to know the full value of myCigna.
The myCigna website and app both have an easy, interactive health assessment
to help you learn more about your health and what you can do to improve it.
Get to know the full value of mycigna
From programs that help improve your health to tools that help manage your health
Register
spending, there’s today
so much you can do on myCigna.com or the myCigna® app.
You can register online
Feel better-protected
or through the app.
1. Go to the myCigna.com website or launch the Cigna is as committed to helping protect your
myCigna app and select “Register Now” health information as we are to protecting your
2. Enter your requested information health and well-being. That’s why we take
Find in-network Manage and See cost estimates certain stepsCompare quality the security
to enhance Accessofa your variety
3. Confirm
doctors, your identitytrack claims
hospitals for medical of care information of health
personal
* Express Scripts Pharmacy can automatically refill certain medications. You can call 800.835.3784 to sign health
up over the phone. information
Or, you on the
can log in to the myCigna or websiteand
appmyCigna to connect to your
4. and medical
Create
Express your
Scripts online security
account information
portal. From there, you can signand
up forprovide procedures for
their automatic refill program. website and app. doctors and wellness tools
services hospitals and resources
your
** You can primary
sign up
call 800.835.3784
email
to get emails address
and/or texts
to refill submit
›
from Express Scripts Pharmacy. To get text messages, you’ll have to sign up for Express Scripts’ texting service. You can do this online or when you
Enhanced registration
your prescription. Once you sign up, simply reply to their welcome text to get started. Standard text messaging rates apply.
5. Review and
*** Prices shown onThe
myCigna are not guaranteed
myCigna website and coverage
and app is subject
bothto yourhave
plan terms
an and
›
conditions.
easy,
Two-step
Visit
interactive myCignahealthauthentication
for more information.
assessment
to help you learn more about
Para obtener ayuda en español llame al número en su tarjeta de Cigna. your health and what you can do to improve it.
Product availability may vary by location and plan type and is subject to change. All group health insurance policies and health benefit plans contain exclusions and limitations. For costs and details
of coverage, review your plan documents or contact a Cigna representative.
All Cigna products and services are provided exclusively by or through operating subsidiaries of Cigna Corporation, including Cigna Health and Life Insurance Company (CHLIC), Connecticut General
Life Insurance Company, ExpressRegister
Scripts, Inc., ESI Mail Pharmacy Service, Inc., Express Scripts Pharmacy, Inc., and HMO or service company subsidiaries of Cigna Health Corporation. “Express Scripts
today
Pharmacy” refers to ESI Mail Pharmacy Service, Inc. and Express Scripts Pharmacy, Inc. Policy forms: OK - HP-APP-1 et al., OR - HP-POL38 02-13, TN - HP-POL43/HC-CER1V1 et al. (CHLIC). The
Cigna name, logo, “Together, all You can
the way., ” andregister
“myCigna” areonline
owned by Cigna Intellectual Property, Inc. “Express Scripts” and “Express Scripts Pharmacy” are trademarks of Express Scripts Strategic
Development, Inc.
Feel better-protected
832643 g 06/18 or through the app.
935410 11/19 © 2019 Cigna. Some content provided under license. 9
1. Go to the myCigna.com website or launch the Cigna is as committed to helping protect your
myCigna app and select “Register Now” health information as we are to protecting your
BENEFITS: THE BASICS
Terms To Know
A premium is the monthly cost you pay for
health insurance, whether you use medical
Premiums
services or not. Premiums are deducted
directly from your paycheck.
Copayments or copays, are a pre-set dollar
amount you are expected to pay for office
Copays
visits, medical procedures, or prescription
drugs under your health insurance plan.
A deductible is the amount you pay before
your insurance pays. The deductible is set
Deductibles within a plan year period and once you have
met that dollar amount, you have met the
requirement for the plan year.
Coinsurance is a set percentage of service
Coinsurance costs that you will be expected to pay once
you’ve met your annual deductible.
An out-of-pocket maximum is an annual cap
on the amount you are expected to pay for
Out-of-Pocket
services throughout the plan year. Copays,
Maximum
deductibles, and coinsurance all count toward
your out-of-pocket maximum.
A Health Savings Account (HSA) is a bank
account that can be used to pay your
deductible and eligible out-of-pocket
Health Savings
medical, dental, and vision expenses.
Account (HSA)
Employees must be enrolled in the high
deductible health plan in order to contribute
to a health savings account.
A Flexible Spending Account (FSA) is an
account you contribute pre-tax dollars into
that can be used to pay for qualified medical,
dental, and vision expenses or qualified
Flexible Spending
dependent care expenses. As defined by
Account (FSA)
Internal Revenue Service (IRS) regulations,
these plans are designed to provide funds
to pay for eligible out-of-pocket medical
expenses on a pre-tax basis.
10DENTAL
Dental Insurance is available to employees effective the first day of the month following their date of hire. An Indemnity
Dental Benefit Plan is provided by Delta Dental. Delta Dental allows you to visit any dentist you choose by providing both
in-network and out-of-network coverage.
For more information regarding your Dental Insurance, please visit the employee benefits page at www.coloradomesa.
edu/human-resources. To find a dental provider or for more information about Delta Dental of Colorado, please visit their
website at www.deltadentalco.com.
Delta Dental PPO Plus Premier Plan - In-Network
$2,000 per person - PPO Network
Calendar Year Maximum
$1,500 per person - Premier Network and Non-Participating Dentist*
Orthodontic Lifetime Maximum $1,500 per person - Combination of in and out-of-network
Calendar Year Deductible $50 individual / $150 family
(Applies to Basic and Major Services) Combination of in and out-of-network
Dependent Age For Dental Benefits This plan covers dependents to age 26
Diagnostic And Preventive Services
Oral Exams and Cleanings
Sealants
Bitewing X-Rays
Covered 100%
Full-Mouth X-Rays PPO Dentist, Premier Dentist, and Non-Participating Dentists*
Fluoride
Space Maintainers
Basic Services
Fillings
Simple Extractions
Covered 80%
Oral Surgery PPO Dentist, Premier Dentist, and Non-Participating Dentists*
Endodontics/Periodontics
Major Services
Crowns, Implants
Covered 50%
Dentures/ Bridges PPO Dentist, Premier Dentist, and Non-Participating Dentists*
Orthodontics - $1,500 lifetime maximum
Covered 50%
PPO Dentist, Premier Dentist, and Non-Participating Dentists
Late Entrant: Those who do not enroll in the dental plan when initially eligible, or have other dental coverage, will have a six month wait
on Basic Services and a twelve month wait on Major and Orthodontic services.
11Under the dental plan you may visit the
dentist of your choice. You will receive
the best benefit by choosing a PPO
dentist.
There are three levels of dentists to
choose from:
PPO Dentist: Payment is based on the PPO dentist’s allowable fee, or the actual fee charged, whichever
is less. Calendar year maximum benefit is $2,000 per person.
Premier Dentist: Payment is based on the Premier Maximum Plan Allowance, or the fee actually
charged, whichever is less. Calendar year maximum benefit is $1,500 per person.
Non-Participating Dentist: Payment is based on the non-participating Maximum Plan Allowance (MPA).
Members are responsible for the difference between the non-participating MPA and the full fee charged
by the dentist. Calendar year maximum benefit is $1,500 per person. You will receive the best benefit
by choosing a PPO dentist.
Delta Dental Subscriber Account
When you log into www.deltadentalco.com, it’s easy to check your Delta Dental of Colorado benefits 24 hours a day, 7 days
a week. Delta Dental of Colorado gives you the option to print ID cards, find dentists, check claim statuses, view benefits,
and more online. Registration for new users is simple:
1. Go to www.deltadentalco.com and click the Subscribers tab at the top of the page.
2. Click on the New Users Register Here link in the Subscriber Login box on the left side of the page.
3. Follow the prompts to register as a new user.
When you log in for the first time, you will need your Subscriber ID number when registering. Your Subscriber ID is your
CMU 700-number. You should also provide your 700-number to your dentist office when making appointments for yourself
or covered dependents.
Delta Dental Vision Provided by EyeMed Vision Care
Your eyes say a lot about you, and when you’re proactive about protecting your eyes the impact is clear.
Regular eye exams not only correct vision problems, they also can reveal early warning signs of more serious health
conditions such as hypertension, cardiovascular disease and diabetes. EyeMed provides discounted vision services all year
long, on nearly all vision care purchases at EyeMed’s participating providers.**
To get started or find out more about what is included in the discount plan, locate a vision provider at www.eyemedvisioncare.
com/deltadental, schedule an appointment, and bring your discount ID Card to your appointment.
Delta Dental Vision - Access Discount Plan
Discount Plan #: 9231093
Member/Patient Services: 1.866.723.0391
**Your discount cannot be combined with any other discounts, coupons or promotional offers.
12VISION
Vision Care Direct is committed to providing employees PROGRESSIVE LENSES: If you wear no-line bifocal lenses
with superior quality and professional vision care. Vision (progressive lenses), the Platinum plan has a $180 allowance
Care Direct provides a membership plan to cover routine towards the price of the lens; the Gold plan has an allow-
exams and materials based on the plan you choose. ance equal to the doctor’s charge for a standard trifocal lens.
CMU offers employees a choice of vision plans. If you need To find a provider, please visit www.visioncaredirect.com.
assistance, please contact HR. There is only one difference
between the Platinum and the Gold plans:
Exam Benefit (Not applicable on Materials Only Plans)
Comprehensive Eye-Health Vision Exam 100% after exam fee
(includes refraction and dilation if indicated) ($15 member responsibility)
If member has purchased an Exam benefit and the exam is not filed under
Flexible Exam Benefit Vision Care Direct, the value of the exam benefit can be used by the member
for non-covered services and materials.
Materials Benefit (Not applicable on Exam Only Plan)
100% for glass or plastic (CR-39) for single vision, bifocal, trifocal (FT25-28)
Spectacle Lenses or lenticular. Includes polycarbonate lenses for dependents under 18.
($15 member responsibility)
Progressive Lens Allowance
Gold Plan Up to retail price of standard trifocal lens regardless of Rx.
Platinum Plan $180 benefit towards progressive lenses
Cosmetic Upgrades and add-ons Not covered
Contact Lenses - in lieu of frames and Elective Contacts: up to $200
spectacle lenses. Multi-focal contact lenses Medically Necessary Contacts: up to $250. Limitations apply.
are allowed. Contact Lens Fitting Fee: Member may elect to deduct from allowance.
Frames Up to $200 allowance. Any frame from provider’s inventory.
Out-of-Network Reimbursements - Vision Care Direct is a provider-network plan. If a member opts to receive
out-of-network services, they can file an out-of-network claim and receive up to the following reimbursements:
Eye Exam Up to $40 after in-network exam fee.
Frames Up to $35
Elective: Up to $80
Contact Lenses
Medically Necessary: Up to $80
Up to maximum listed after in-network materials fee is deducted.
Single Vision: $30
Spectacle Lenses Bifocal: $45
Trifocal: $55
Lenticular: $75
Progressive: $60
13WELLNESS PROGRAM Colorado Mesa University wants to reward you for taking an active interest in your health by giving you the opportunity to earn a $50 wellness incentive off your monthly health insurance premium. This voluntary program is designed to encourage you to make smart choices, fulfill preventive health services, and engage in healthy behaviors towards achieving your healthy best, giving you the opportunity to earn a $50/month ($25/paycheck) wellness incentive off your health insurance premium. If you are enrolled in one of CMU’s medical plans you’re eligible to participate in this program through Cigna, titled MotivateMe. MotivateMe can help you: • Lead a healthier life • Reduce healthcare costs • Maintain preventative visits • Find wellness resources • Make positive lifestyle changes, and more! Biometric Health Screenings Employee biometric screenings will be held early in 2022, and the program will officially be launched in March. This screening will include a blood draw to measure cholesterol, triglycerides and glucose levels and body measurements for height, weight and blood pressure. More detailed information about this program will be available early in the year. New employees will have the opportunity to participate in the wellness program. Additional information will be shared with you during your orientation date. Wellness Incentive To qualify for the incentive, you must reach a certain number of points through your biometric screening or, you can earn partial progress from your health screening results, then earn the remaining progress through claim processing or self-reported wellness activities. Employee’s that participated in the 2021 wellness program and met 100 points, will continue to receive the wellness qualify rates through February 2022. MotivateMe will be active in March 2022. 14
FLEXIBLE SPENDING ACCOUNT (FSA)
What’s a FSA?
A FSA is a spending account provided by your employer that can be used to pay for different types of eligible expenses.
Cigna offers 3 different types of FSAs:
Health Care FSA Limited Purpose FSA Dependent Care FSA
Covers eligible health care Covers eligible dental and vision Covers eligible expenses for
expenses for you and your expenses, and is usually only offered dependents age 12 and under, and
covered dependents. with a Health Savings Account (HSA). disabled dependents of any age.
View eligible health care expenses View eligible dental and vision expenses View eligible dependent care expenses
https://www.cigna.com/individuals- https://www.cigna.com/individuals-families/ https://www.cigna.com/individuals-families/
families/member-resources/hsa-fsa- member-resources/hsa-fsa-hra-payments/ member-resources/hsa-fsa-hra-payments/
hra-payments/eligible-expenses eligible-expenses eligible-expenses
How do FSAs work?
• Based on the type of FSA you have, figure out how much you may need for the eligible expenses for you and/or your
covered dependents for the plan year. You can decide how much you want to contribute from each paycheck up to the
yearly limit set by the IRS guidelines. (https://www.irs.gov/publications/p969)
• You can withdraw money from the account throughout the year to reimburse yourself for the eligible expenses you’ve
paid.
• Some plans include a debit card so you can easily pay from your FSA at the time of service. You can use your FSA debit
card only to cover eligible expenses specified by your plan.
• FSA’s can help you save money because you contribute to the account from your paycheck before federal taxes. This
can reduce your taxable income.
• FSA’s can be offered alone or paired together with an HSA if you are enrolled in a HDHP.
FSA Comparison Chart
Compare and learn about the similarities and differences among the three types of FSAs.
FSA Health Care FSA Limited Purpose FSA FSA Comparison Chart
Type of Covers eligible health care expenses A type of Health Care FSA that is Covers eligible dependent care
expenses it such as: limited to dental and vision expenses expenses such as:
covers: • Copays, coinsurance, and other such as: • Daycare • Summer Camp
out-of-pocket medical expenses • Eyeglasses • Hearing Aids • Adult Daycare
• Teeth cleanings
Who is Eligible? You and your IRS eligible dependents You and your IRS eligible dependents Covered dependents age 12 and
under
Disabled dependents of any age who
are unable to care for themselves
Does the balance Yes – you may be able to carry over Yes – you may be able to carry over No – you lose any dollars left in your
carry over to the up to $500 depending on your up to $500 depending on your Dependent Care FSA if receipts are
next plan year? employer’s plan employer’s plan not submitted by the date set by
your employer
You can withdraw money from the
account throughout the year to
reimburse yourself for the eligible
expenses you’ve paid
Any special FSA accounts are only offered Due to IRS regulations, a Limited To be eligible, you (or both you
requirements? through your employer Purpose FSA is the only type of FSA and your partner) must be working,
that can be offered with a HSA plan looking for work, or going to school
FSA accounts are only offered
through your employer
15HEALTH SAVINGS ACCOUNT (HSA)
2022 HSA Plan limits are $3,650 for employee-only coverage and $7,300 for an employee with family coverage. HSA
account holders age 55+ can add a catch-up contribution of $1,000.
CMU partners with Cigna and Home Loan State Bank for employees who are enrolled in the OAP HSA 3500 High Deductible
Health Plan. If you enroll in the HSA OAP 3500 HDHP w/ Cigna HSA you will be automatically enrolled in a Cigna HSA. The
premiums for this plan includes the $2.50 per month account fee. You will be able to manage your myCigna.com account.
The Cigna HSA will replace HealthEquity as of January 1st.
What is a High Deductible Health Plan (HDHP)?
A High Deductible Health Plan is a plan design that meets specific benefit requirements as defined by HSA statute in the
Internal Revenue Code. It provides insurance coverage and a tax advantaged way to help save for future medical expenses.
What is a Health Savings Account (HSA)?
An HSA is a tax-exempt trust or custodial account established exclusively for the purpose of paying qualified medical,
dental & vision expenses (as defined by the Internal Revenue Code). To set up and contribute to an HSA, a person must be
enrolled in an HDHP. The funds in your account rollover automatically each year and remain in there until used.
Following are details on HSA account fees from Cigna & Home Loan. The Cigna HSA also provides the opportunity
to invest your HSA funds in self-directed investment options thorough TD Ameritrade and/or Devenir. There is a
minimum threshold of $1,000 needed in the HSA account before an investment account can be opened.
Monthly Account Fee Check Fee Debit Card Fee
$2.50 per month (included in
Cigna HSA None None
medical premium)
$2 per month if balance is less $10 off 1st box of checks, paid
Home Loan Free 1st year, than $5 annually
than $500 by employee
Am I eligible for an HSA?
To be eligible, you must be covered by a High Deductible Health Plan (HDHP) and have no other health insurance (except
for specific accident/injury insurance, disability, dental care, vision care, long-term care).
If you are enrolled in a Direct Primary Care program or eligible for Medicare (enrolled in and paying for Part B coverage),
you may NOT open an HSA or contribute to an HSA that you may have opened. However, you can use existing HSA funds
for qualified medical expenses.
Can I contribute to an HSA?
Contributions to HSAs can be made by you, your employer, or both, up to the maximum contribution allowed. Your
contributions are tax-deductible. Employer contributions are excluded from your income as part of your tax basis. You can
also make tax-deductible contributions on behalf of another eligible individual. CMU currently does not make contributions
to employees Health Savings Accounts.
What can I use HSA funds to pay for?
• Expenses that apply to your deductible under the HDHP.
• Expenses that are not covered by your plan, such as:
-Eyeglasses and contact lenses -Dental care
-Alternative care such as acupuncture and massage therapy -Long-term care premiums
-Medicare premiums for Part A & B -Premium for COBRA coverage
Please see IRS Publication 502 for a complete list of qualifying expenses, or visit www.cigna.com for more information, or
call 800.997.1654 to speak with a plan expert.
16HEALTH SAVINGS ACCOUNT (HSA)
Save and invest with a health savings account. Whether you’re focused on paying health
expenses in the short term or planning ahead, the Cigna Choice Fund® HSA can help. It’s an
easy way to put aside funds for health care expenses like deductibles, copays and
coinsurance – while saving on taxes and investing for the future.
Save on taxes. See what a difference tax-advantaged
With the Cigna Choice Fund HSA, any earnings on investments can make.
your contributions are tax-advantaged. So instead of Having an HSA investment account could help you use
paying taxes on contributions, interest and investment your contributions to build and grow additional income
earnings each year, more of your money stays with for your future.
you. Your funds roll over year to year which can have a
powerful effect on your ability to save for future health
› Your HSA investment earnings are not taxed (like a
401(k) or IRA retirement account). If you use them
care expenses.
to pay for eligible health care expenses, they are also
For example: A $2,500 annual contribution, depending tax-free.2
on your tax rates, could save you as much as $1,118
a year.1
› You can move your HSA investment funds back
into your HSA cash account at any time to pay for
your current qualified health care expenses (unlike a
$2,500 annual HSA contribution1
401(k) or IRA).
Federal State tax Payroll Estimated
Investments are subject to the loss of principal. Before
tax rate rate taxes annual savings
opening an investment account, we encourage you
12% 5% 7.7% $618 to discuss your needs and goals with a professional
financial advisor.
22% 5% 7.7% $868
Savings over time
24% 5% 7.7% $918
$4,000/year contribution with taxes applied
32% 5% 7.7% $1,118
Contribution Account balance
(with taxes applied) in 15 years
HSA $4,200 $90,630
See how much you could save on 401(k) $4,200 $77,035
taxes with an easy HSA calculator.
Roth IRA $2,694 $61,039
Regular
$2,694 $57,292
savings
Invest for the future.
› Your account earns interest and you’ll have
Source: WEX Health 2017, utilizing data from U.S. Department of Labor, Pension
access to investment options once you reach the
Benefits Guaranty Corp, EBRI, and Aite Group.
minimum balance.
Graph assumes 7.7% payroll tax rate and 25% federal and state income tax bracket. 5% annual
› You don’t pay taxes on the interest or earnings.2 growth rate. 15% retirement tax bracket upon withdrawal.
So more of your money can stay in your account The above chart is for illustrative purposes only. It is not tax or investment advice. Cigna makes
and keep growing. no representations as to the accuracy or suitability of this information. Investments are subject
› Any funds that you don’t use this year are to loss of principal and individual results will vary.
automatically rolled over to help pay for future
expenses – even in retirement.
› Building your account balance provides short- and
long-term peace of mind.
-2-
17HEALTH SAVINGS ACCOUNT (HSA)
Most popular contribution strategies
STRATEGY DESCRIPTION ADVANTAGES
You choose how and when to spend Options for every
Maximize HSA savings
your funds. Maximize the potential growth of your funds by stage ofMoney
life.in the HSA is FDIC insured and earns interest tax
making HSA deposits as early in the year as possible. free.* When balances qualify, you may participate in various
›Use the money for eligible medical, dental, pharmacy ›
Lower payroll deductions
investment options.**
and vision care expenses now – or save for later. compared with traditional
Expense deferral
Expenses can include ›
Fullylong-term
fund the account,
carebut pay currentand
insurance medical Maximize tax deductions
health plans helps you and tax-deferred growth
Medicare premiums.expenses
For afrom a non-HSA
complete listaccount.
of eligible for themoney
keep more future. in your
›
expenses, go to Cigna.com/expenses.
Reimburse yourself, tax free, at any time in the future for
wallet today.
› Once you reach agemedical
65 you expenses incurred
can even useover
thethemoney ›
ensuing years. Funds may be used for out-of-pocket costs
as income,
End-of-tax-year tax subject to applicable taxes.
You may still contribute to your HSA for the current tax year Families
(including at a 30% tax copays
deductibles, rate wouldand
savecoinsurance)
over $2,000 per year in
›
advantage Your account is easy
until April 15 ofPay
to use. next expenses
year. with a today or tomorrow.
income taxes if they contributed the maximum allowed.***
Maximizingdebit card or online
disposable If youbill
wantpay. Or, getyour
to preserve current cashforflow, start›withAdditional
reimbursed a › HSAs catch-up contributions
can be funded (once
“after the fact.” you reach
expenses you’ve paid for out of pocket.
income small HSA contribution and then add funds when you incur › Good solution for those on tight budgets. nest egg.
age 55) can boost your health care savings
› Even if you changea medical
jobs orexpense.
retire,You
youcancan
immediately
take your reimburse›yourself
Flexibility to use your HSA to pay for COBRA costs if
› Makes HSA funds available to pay medical expenses before
HSA account with you.
to get theIttax
is savings.
yours to keep. you lose your job.
deductible is met.
Fund the account monthly/bimonthly with recurring› your HSA.
In the event of your death, your spouse can assume
Slow andHow
steadyto contribute. › Create a steady stream of contributions.
transfers from your checking
› Paycheck – have a set amount taken out and account or payroll deductions › Payroll contributions are usually deposited pretax.*
(contact
deposited directly your employer
into your HSA. Thisfor details).
money is Your plan offers personalized health
notYou
QUICK TIP: subject
can to federal
initiate income
online tax transfers
fund or state income support
from your checking to help
account you HSA
to your get and stay well.
as a one-time or recurring
taxes in most states.
contribution on myCigna.com. › 100% coverage for in-network preventive care,
› Personal account – write a check or transfer funds including well visits, screenings and routine
Maximize
fromyour healthaccount
your personal care dollars
at any time during immunizations.4
the year.
AT THE DOCTOR TIP › ALSO
Personal REMEMBER
health coaching at no additional charge
› Your
In-network vs. employer may also make contributions to your
Generally, visiting a health care professional who to helpIn-network
you: doctors typically don’t require payment up front for
account. The amount your employer contributes
out-of-network health care participates within your plan’s Cigna network will be less
counts toward your maximum annual contribution.
– services.
Analyze andYouunderstand
should wait foryour
an explanation
health of benefits (EOB)
professionals expensive than out-of-network treatments. that includes
assessment the discounted payment amount and your specific
results.
You decide how much to contribute, up to the IRS – Getamount
started owed,
withbefore
healthpaying the health careprograms
improvement professional.
maximum. Annual maximums apply to all contributions andReview
services available to you.
Shop formade
lower-cost options We make cost and quality information
to your account, regardless of who makes the part of every health all treatment options with your doctor before
care55professional
contribution. If you’re or older,andyouhospital
can makesearch3 in our health care– you receive care. Less invasive and less costly treatments
Learn ways to better manage health issues like may
additional catch-upprofessional
contributionsdirectory myCigna.com.
on to
of up $1,000 a year. lower back pain,
be available. high blood pressure, high
cholesterol and more.
Know your costs up front When you’re faced with a costly medical procedure, Most plans cover in-network preventive care (such as a yearly
IRSknow
contribution
your costs uplimits – Understand
front. Our online cost estimator tools physical) attreatment
100%. (Notoptions so you
all preventive care and your
services may be
provider can make decisions that work best
are personalized to reflect your true out-of-pocket covered, such as immunizations for travel, so check your plan
2021 2022 for you.
costs – using health care professional and plan discounts, documents for details.) You can also use your HSA for
real-time deductible status and$3,650
available funds. – Answer questions about
non-reimbursable your
dental and health,
vision health
expenses.
Single $3,600
coverage and how to get the best value every
AT THEFamily
PHARMACY TIP $7,200 $7,300 timeALSO
you seek care.
REMEMBER
Consider options Using our pharmacy compare tool, you can compare actual Ask your doctor if a generic equivalent is available,
for purchasing prescriptions drug costs at retail pharmacies in your neighborhood, as and consider using home delivery to help reduce your
well as identify generic equivalents and home delivery out-of-pocket costs.
options. Best of all, our tool is mobile-enabled so you
can review your options while you are discussing your
prescription with your doctor.
* HSA contributions and earnings are not subject to federal taxes and not subject to state taxes in most states. A few states do not allow
pretax treatment of contributions or earnings.
** Once specific balance thresholds are met. Investment accounts are not FDIC insured and they are not bank guaranteed.
Investments are subject to market fluctuation, investment risk and possible loss of principal.
-3-
*** The family maximum for HSA contributions is $7300 for 2022, and $7200 for 2021.
All of these strategies should be carefully considered in light of your cash flow, and tax and investment options. Cigna always recommends you discuss these strategies with a professional financial
planner and tax advisor.
18The HSA provider and/or trustee/custodian is responsible for all HSA services, transactions and related activities. Cigna and your employer are not responsible for any aspects of the HSA services,
administration or operation.You can also read
