Page 6 - Enrollment Guide 2023-24

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Medical

Medical SchoolCare has partnered with Cigna for many
years to deliver comprehensive health care service
and claims administration. We use Cigna’s National
Open Access Plus network of providers. This gives
you access to care in every state of the country.
Primary care physician (PCP) referrals are not re-
quired to seek care from a specialist.

What Does National Network Mean?

The expanded provider network consists of any Cigna
contracted provider or facility in the country.
Participants have in-network coverage not only
regionally, but nationally as long as services are Key Terms
provided by a Cigna contracted provider (you always
have access to emergency care anywhere, worldwide).
Deductible

What Does Open Access Mean? You must meet the entire deductible before the

plan starts to pay medical and prescription drug
Open Access means there is no requirement to benefits (excluding in-network preventive care
designate a PCP for any plans. Therefore, no PCP and certain preventive medications). NOTE: If you
referrals are required. Participants can make enroll one or more family members, you must
appointments and receive services for in-network meet the full family deductible before the plan
covered benefits with any Cigna participating provider starts to pay expenses for any one individual.
without obtaining a referral from your PCP.

Traditional Plan Suite Coinsurance

Once you’ve met the plan’s annual deductible,
The Traditional Plan Suite includes long-established you are responsible for a portion of your medical
copay plans as well as a plan with a modest deductible expenses, which is called coinsurance.
for medical services.

Consumer Driven Plan Suite Out-of-pocket maximum
Once your deductible and coinsurance add up to
The Consumer Driven Plan Suite offers comprehensive the plan’s annual out-of-pocket maximum, the
health plans with deductibles that can be offered with plan will pay 100% of all eligible covered services
an HRA or HSA, depending on the plan. This gives you for the rest of the plan year. NOTE: If you enroll
more control of personal health care expenses. one or more family members, you must meet the
full family out-of-pocket maximum before the plan
starts to pay covered services at 100% for any one
individual.