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Benefits
Welcome!

Professor POHPHello Everyone!

I am Professor POHP (Protect Our Health Plan).  Many of you already know me and are helping to Protect our Health Plan, but some of you still do not.  That's why I created this wonderful web site to give you all the information you need about your benefits and how you can help me on my Quest for Savings!

Below you will find a list of topics that will get us started on our Quest for Savings.  I know insurance is confusing and honestly, pretty boring, but without all of us doing our part in Protecting Our Health Plan, our insurance plan cost will continue to sky-rocket.  Not just from YOUR pocket-book but also from the Trust Fund that's set up to pay for our medical expenses.  So please, take the time to read up on my little tid-bits so that you can become a superhero that Protects Our Health Plan.

 

Tid-bit Topics:

Convenience Care Clinics vs. Urgent Care Clinics vs. Hospital Emergency Room

List of Convenience Care Clinics and Urgent Care Clinics in or near Osceola County

Cheap Meds! And I mean cheap! (Some even free)

List of places to find cheap and free prescriptions

Save money on Anti-Depressant Medications 

Save money on Cholesterol Medications 

Save money on Diabetes Medications 

View a list of in-network labs in the area

Convenience Care Brochure:  English  |  Spanish

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Understanding your

PREVENTIVE HEALTH COVERAGE

Preventive health coverage is one of the most important benefits of your health plan. Getting the right preventive services at the right time can help you stay healthy by  reventing diseases or by detecting a health problem at a stage that may be easier to treat.

However, because certain services can be done for preventive or diagnostic reasons, it’s also important you understand exactly what preventive care is and which services your health plan covers as preventive services so you don’t end up with unexpected out-of-pocket costs.

What is preventive care?
Preventive care services are those provided when you don’t have any symptoms of a disease or medical condition and are not already diagnosed with the condition for which the preventive service would be provided. Preventive care helps you to prevent some illnesses, such as the flu, by getting a vaccine against the disease. It also helps to detect  illness that is present, but where there aren’t any symptoms.

During your visit, your doctor will determine what tests or health screenings are right for you based on your age, gender, personal health history and current health. Even if you’re in the best shape of your life, a serious condition with no signs or symptoms may put your health at risk. Through preventive exams and routine health screenings, your doctor can detect early warning signs of more serious problems.

Your plan covers preventive care services. The Patient Protection and Affordable Care Act requires that preventive care services be covered with no patient cost-sharing (deductible, copay or coinsurance). If plan has both in-network and out-of-network coverage, the preventive care services are likely covered with no patient cost-sharing only when you receive it from an in-network health care professional.

Non-preventive or diagnostic services/supplies that are provided at the time of a preventive care office visit will be considered under your standard medical coverage. This means you may be required to pay a deductible, copay or coinsurance amount for covered services or supplies that are not preventive.

Services and Supllies considered as preventive care under your plan are described in the attached Preventive Care Flyer.  You may also access the following Preventive Care Checklist to take to your and/or your family's doctor appointments:

 

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GOING TO AN OUT-OF-NETWORK LAB COULD COST YOU

If you need lab work done, stick with one of Cigna’s network labs. Not only will you get quality care, but you’ll also save more money. That’s because you’ll be charged a much lower rate when you use an in-network labs, rather than a lab that’s not part of the Cigna network.

The importance of lab tests
Your doctor may order tests to help find out more about your health – like to see if you have diabetes, or to find out if your thyroid medicine is working. For many of these or other tests, your doctor will need a sample of your blood, urine or tissue, which is then sent to a lab for analysis.

Save money on lab tests
Save money by having those lab tests done at a Cigna network lab. Here’s how to make it happen:

  • Find network labs by going to myCigna.com or calling the number on your Cigna ID card.
  • Tell your doctor you want to use a Cigna network lab.
  • If your doctor takes a sample in the office, ask for it to be sent to a Cigna network lab.
  • Make sure the lab is an in-network lab. Just because a lab accepts your Cigna ID card doesn’t necessarily mean it’s part of the Cigna network.

Going out of network could cost you
If you go or your test sample is sent to a lab that’s not in the Cigna network, you’ll be responsible for paying the full costs of the service with no discount at all if you're enrolled in the Plus In-Network plan. On the Choice Fund HRA plan you will be responsible in paying the out-of-network rate. This could end up costing you a lot more than what you’d pay at an in-network lab.

Save even more
If you go to national lab such as Quest Diagnostics® or Laboratory Corporation of America® (LabCorp), you can get even bigger savings. Even though other labs may be part of the Cigna network, you can save up to 75% when you choose a national lab. And with hundreds of locations nationwide, it’s easy to get quality services at a lower cost.

View a list of in-network labs in the area or go to myCigna.com to find one near you.

 


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