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RetirementPlanningMedical +PharmacyPre-tax SavingsAccountsDental andVisionEmployeeAssistance +WellnessEmployee BenefitsBreakroomBenefitsWebsiteCity Of Waterbury, CT2024-25 BenefitsLife andDisability
Understanding InsuranceClick each title below for more resources:The Human's Guide to Medical Insurance TermsThe Value of Staying In NetworkThe Basics of ID CardsMoving to a High Deductible Health PlanUnderstanding Deductibles | Embedded vs. Non-EmbeddedWhere to Seek Care | Urgent Care vs. Emergency RoomSelecting a Primary Care ProviderLooking for more resources to understand insurance? Cigna | Medical Information and ResourcesFind an In Network DoctorCigna Member GuideActivate your MyCigna AccountDownload the MyCigna App: Apple | AndroidVirtual Care (Telehealth) ServicesCopays, Deductibles, and CoinsurancePreventive Care Services OverviewCigna | Pharmacy Information and ResourcesFind an In Network PharmacyExpress Scripts | Home Delivery PharmacyAccredo | Specialty Medication PharmacyGetting Started with AccredoWhat is Prior Authorization?Understanding Step TherapyMedication Adherence: Taking Medication as PrescribedUnderstanding Drug TiersGeneric vs. Brand Name DrugsCigna Prescription Drug ListsVisit The BreakroomMedical + Pharmacy
Health Savings AccountA Health Savings Account (HSA) is a bank account. You can deposit pre-tax funds to save for and spend on qualified medical, dental, and visionexpenses. To be allowed to contribute to an HSA, you must be enrolled ina qualified high deductible health plan (HDHP). Contributions are tripletax free: the money you deposit is pre-tax, the money you spend is nottaxed, and the money in your account grows through interest andinvestments 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 anHDHP, you can be claimed as another person’s tax dependent, and/oryou/your Spouse are enrolled in a full purpose FSA (even if your spouseis not enrolled in your medical coverage).Full Purpose Flexible Spending Account (FSA)Through Flexible Spending Accounts (FSAs) you set aside pre-tax funds to payfor qualified expenses. With a Full Purpose FSA, funds can be used to pay forqualified medical, dental, and vision expenses. 2024 Contribution Limits: $3,200You cannot also contribute to an HSA.Limited Purpose Flexible Spending Account (LPFSA)Through Flexible Spending Accounts (FSAs) you set aside pre-tax funds to payfor qualified expenses. With a limited Purpose FSA, funds can be used to pay forqualified dental and vision expenses ONLY. 2024 Contribution Limits: $3,200You can also contribute to an HSA.Dependent Care Account (DCA)With a Dependent Care Account (DCA) you can set aside pre-tax funds to payfor qualified childcare or adult daycare expenses. Funds can be used forchildren 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) canwork, 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 beforfeited at they end of the plan year.Pre-tax Savings AccountsTo learn more, click each title below for moreresources:Qualified Expenses List (HSA, FSA, LPFSA, DCA)Understating an HSAHealth Savings Account RoadmapUnderstanding an FSA
Dental BenefitsVision BenefitsClick each title below for more resources:Dental Preferred Provider Organization (DPPO)Make the Most of your Cigna Dental PlanFind a DentistClick each title below for more resources:EyeMed Plan SummaryEye360 | Wellness and SavingsShould I enroll in vision benefits?Setting up your member accountEyeMed AppWhy is vision care important to someone who is at risk ofdiabetes?Find an eye doctorDental and VisionEyeMed Member Tools
Life InsuranceDisability InsuranceClick each title below for more resources:Life Needs CalculatorYour Personal Financial ProfileClaim Forms and all other formsClick each title below for more resources:How to file a claim onlineHow to file a claim by phoneHow to file using a claim formDisability paper claim form guideLife 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 withthe best possible solutions for issues you or one of yourfamily members may face. Your EAP is here to help.Contact the EAP toll-free at 1.800.252.4555. All calls areCONFIDENTIAL and answered by a Masters or Ph.D. levelcounselor; your counselor will work with you on a planbeginning with the first call. Or go to www.theEAP.com andcreate a username and password.Omada Diabetes ProgramBetter health, one step at a time.Omada is personalized to help you reach your health goals—whether that’s losing weight, gaining energy, or improvingyour overall health - all at no cost to you!The following EAP services are available to you and yourfamily:Mental health counselingPeak performance coachingTraining and personal developmentSelf-help resourcesWork/life benefitsPersonal assistantWellness benefitLifestyle savings benefitFull EAP Benefit Summary5 Things about the EAPChild + EldercareFrequently Asked QuestionsOmada | Get StartedEmployee Assistance and Wellness
Ways to SaveCigna SavingsSave with Virtual CareGroup 4Group 2Group 5