This is your guide to the benefits available through the Retiree Medical Plan Cigna Open Access Plus-In Network (OAPIN) Option (Cigna or Cigna Option), administered by Cigna Health and Life Insurance Company (CHLIC). Please read it carefully and refer to it when you need information about how the Cigna OAPIN Option works, to determine what to do in an emergency situation, and to find out how to handle service issues. It is also an excellent source for learning about many of the special programs available to you as a plan participant.
Tips for new plan participants
- Keep this guide where you can easily refer to it.
- Keep your ID card(s) in your wallet.
- Keep your Primary Care Physician’s name and number readily accessible.
- Emergencies are covered anytime, anywhere, 24 hours a day.
If you cannot find the answer to your question(s) in the guide, call the Member Services toll-free number on your ID card.
THIS IS NOT AN INSURED BENEFIT PLAN. THE BENEFITS DESCRIBED IN THIS BOOKLET OR ANY RIDER ATTACHED HERETO ARE FUNDED BY CONTRIBUTIONS MADE BY PARTICIPANTS AND PARTICIPATING EMPLOYERS RESPONSIBLE FOR BENEFIT PAYMENTS. CIGNAHEALTH AND LIFE INSURANCE COMPANY (CHLIC) PROVIDES CLAIM ADMINISTRATION SERVICES TO THE CIGNA OAPIN Option, BUT CHLIC DOES NOT INSURE THE BENEFITS DESCRIBED.
The Cigna Open Access Plus-In Network (OAPIN) option provides an advantage over other Cigna HMO options by allowing participants to visit any Cigna network provider regardless of service area.
Cigna offers access to care from participating physicians and facilities, with low out-of pocket expenses. You choose a Primary Care Physician (PCP) to coordinate your care, and pay only a co-payment for most services. You don't have to complete a claim form.
You'll get the highest reimbursement level of benefits as long as you visit physicians and facilities in the Cigna network. And that's easy to do, because your PCP should refer you to an in-network specialist or hospital when and if you need one.
References in this document to "Cigna" refer to Cigna Health and Life Insurance Company (CHLIC), a subsidiary of Cigna Corporation.
When you need information, you may contact:Phone numbers:
Cigna Customer Service
Available 24 hours a day, 7 days a week
P. O. Box 182223
Chattanooga, TN 37422-7223