Understanding Insurance
Click each title below for more resources:
The Human's Guide to Medical Insurance Terms
The Value of Staying In Network
The Basics of ID Cards
Moving to a High Deductible Health Plan
Understanding Deductibles | Embedded vs. Non-
Embedded
Where to Seek Care | Urgent Care vs. Emergency Room
Selecting a Primary Care Provider
Looking for more resources to understand insurance?
Cigna | Medical Information and Resources
Find an In Network Doctor
Cigna Member Guide
Activate your MyCigna Account
Download the MyCigna App: Apple | Android
Virtual Care (Telehealth) Services
Copays, Deductibles, and Coinsurance
Preventive Care Services Overview
Cigna | Pharmacy Information and Resources
Find an In Network Pharmacy
Express Scripts | Home Delivery Pharmacy
Accredo | Specialty Medication Pharmacy
Getting Started with Accredo
What is Prior Authorization?
Understanding Step Therapy
Medication Adherence: Taking Medication as Prescribed
Understanding Drug Tiers
Generic vs. Brand Name Drugs
Cigna Prescription Drug Lists
Visit The Breakroom
Medical + Pharmacy
Health Savings Account
A Health Savings Account (HSA) is a bank account. You can deposit pre-
tax funds to save for and spend on qualified medical, dental, and vision
expenses. To be allowed to contribute to an HSA, you must be enrolled in
a qualified high deductible health plan (HDHP). Contributions are triple
tax free: the money you deposit is pre-tax, the money you spend is not
taxed, and the money in your account grows through interest and
investments tax free.
2024 Individual Contribution Limit: $4,150
2024 Family Contribution Limit: $8,300
Those over age 55 can contribute an addition $1,000 on top of the limits.
You cannot contribute to an HSA if -
You are enrolled in Medicare or Medicaid, you are not enrolled in an
HDHP, you can be claimed as another person’s tax dependent, and/or
you/your Spouse are enrolled in a full purpose FSA (even if your spouse
is not enrolled in your medical coverage).
Full Purpose Flexible Spending Account (FSA)
Through Flexible Spending Accounts (FSAs) you set aside pre-tax funds to pay
for qualified expenses. With a Full Purpose FSA, funds can be used to pay for
qualified medical, dental, and vision expenses.
2024 Contribution Limits: $3,200
You cannot also contribute to an HSA.
Limited Purpose Flexible Spending Account (LPFSA)
Through Flexible Spending Accounts (FSAs) you set aside pre-tax funds to pay
for qualified expenses. With a limited Purpose FSA, funds can be used to pay for
qualified dental and vision expenses ONLY.
2024 Contribution Limits: $3,200
You can also contribute to an HSA.
Dependent Care Account (DCA)
With a Dependent Care Account (DCA) you can set aside pre-tax funds to pay
for qualified childcare or adult daycare expenses. Funds can be used for
children under age 13 or disabled adults who are considered tax dependents.
Funds can only be used for care so you (and your spouse if applicable) can
work, look for work, or attend school.
2024 Contribution Limit: $5,000 ( $2,500 if married and filing taxes separately)
FSAs, LPFSAs, and DCAs are use it or lose it! Unspent funds will be
forfeited at they end of the plan year.
Pre-tax Savings Accounts
To learn more, click each title below for more
resources:
Qualified Expenses List (HSA, FSA, LPFSA, DCA)
Understating an HSA
Health Savings Account Roadmap
Understanding an FSA
Dental Benefits
Vision Benefits
Click each title below for more resources:
Dental Preferred Provider Organization (DPPO)
Make the Most of your Cigna Dental Plan
Find a Dentist
Click each title below for more resources:
EyeMed Plan Summary
Eye360 | Wellness and Savings
Should I enroll in vision benefits?
Setting up your member account
EyeMed App
Why is vision care important to someone who is at risk of
diabetes?
Find an eye doctor
Dental and Vision
EyeMed Member Tools
Life Insurance
Disability Insurance
Click each title below for more resources:
Life Needs Calculator
Your Personal Financial Profile
Claim Forms and all other forms
Click each title below for more resources:
How to file a claim online
How to file a claim by phone
How to file using a claim form
Disability paper claim form guide
Life and Disability
Employee Assistance Program (EAP)
Each of us encounters personal problems from time to time.
And that is why we partner with ESI EAP to provide you with
the best possible solutions for issues you or one of your
family members may face. Your EAP is here to help.
Contact the EAP toll-free at 1.800.252.4555. All calls are
CONFIDENTIAL and answered by a Masters or Ph.D. level
counselor; your counselor will work with you on a plan
beginning with the first call. Or go to www.theEAP.com and
create a username and password.
Omada Diabetes Program
Better health, one step at a time.
Omada is personalized to help you reach your health goals
—whether that’s losing weight, gaining energy, or improving
your overall health - all at no cost to you!
The following EAP services are available to you and your
family:
Mental health counseling
Peak performance coaching
Training and personal development
Self-help resources
Work/life benefits
Personal assistant
Wellness benefit
Lifestyle savings benefit
Full EAP Benefit Summary
5 Things about the EAP
Child + Eldercare
Frequently Asked Questions
Omada | Get Started
Employee Assistance and Wellness