Employee Benefits FAQs
To find a doctor in your area go to myCigna.com. Click the tab that says “Find a Doctor”, this will lead you to another page where you will select that you are covered by an “Employer or School”. From there you can search for a doctor by type, doctor by name, or health facilities. Once you select the search variant you would like, you will need to enter in your zip code of your area. The next screen should show what plan you need to select, you should select the plan that says “Open Access Plus, OA plus, Choice Fund OA Plus” to find if your doctor is in-network. Once you are in the system, you will also have access to the Cigna app (myCigna) which can be found in the App Store or Google Play or go to myCigna.com to find out more about your coverage and doctors in your area.
Cigna is offering a transition of care continuity for a defined period. For additional information and the form needed, please download this document: Cigna Transition of Care Continuity of Care. You will need to complete the form in the attached document and submit it directly to Cigna within 30 days of the effective date of coverage.
In-network – services and providers that are contracted with the carrier and are covered at in-network cost. Services are applied to the in-network deductible and max out of pocket.
Out-of-network – services and providers are not contracted with the carrier and are covered at out-of-network cost. Services are applied to the out-of-network deductible and max out of pocket. *Not all plans have out-of-network benefits.
Cigna offers a Cigna One Guide service that can answer questions and clarify any plans you are considering selecting. By calling 1-888-806-5042, you will be able to speak directly with a Cigna representative that will help you understand the basics of health coverage, identify the types of health plans available to you, check to see if your doctors are in-network, and answer any questions you may have regarding provider networks or plans available to you. After enrollment, you will still have access to chatting or calling a Cigna One Guide service representative along with using the myCigna app or going to myCigna.com. When reaching out to a Cigna One Guide service representative, please inform them you are under the Concurrent HRO medical plan.
OAP Plan – This is a copay plan. Visits to primary doctors, specialty doctors, urgent care, Rx and other services (copay service) are at a copay rate. Copays are applied to the max out of pocket, not the deductible. Services such as hospital stays, ER visits, labs and testing, etc. are a co-insurance and are first applied to the deductible and then the max out of pocket.
HSA/HDHP – Member is responsible for 100% of any covered service. All services are at a rate that is negotiated between the carrier and the provider. Rates can vary based on service, area code, provider, etc. For estimated cost, call your provider. Typically, the deductible and max out of pocket are the same. Once the max out of pocket is met, the carrier will then pay 100% of any covered service.
HSA/HDHP medical plans do not have a copay. Rather, the cost per visit/service is negotiated between the provider and the carrier and varies based on zip code, provider, service, etc. Please call the provider for a cost estimate.
During the benefit open enrollment period you will have access to add your dependents in the concurrenthro.com portal. If any updates need to be made with dependent information, you will need to go to the “Benefit” tab in the portal and select “Dependents/Beneficiaries” to make the changes. If you are still having trouble, you can email [email protected] for further assistance.
Using myCigna.com you can review all medications that are covered. Additionally, using myCigna will allow you to use cost-comparison tools and purchase mail-order prescriptions. MyCigna will show the most affordable prescription for your medical needs. You can also download this document to find out more: Cigna Pharmacy Customer Transition of Care.
Here is the Rx List of prescriptions covered through Cigna.
Cigna offers virtual medical care for a variety of minor medical treatments, reducing the cost of going to the ER or doctor’s office. By going to myCigna.com you can use the feature, MDLive. This feature allows you the flexibility to virtually meet with an MDLive medical provider on-demand or schedule an appointment for your minor medical needs. Additionally, MDLive offers convenient and confidential behavioral/mental health virtual care. This care is similar to if you were to seek an in-office visit, from the convenience of your own home. You can schedule a visit for those services through myCigna.com. To find out more, please review this flyer: Cigna TeleDoc flyer.
The myCigna app gives you full access to electronic medical cards as well as access to find healthcare providers, care and costs, view claims, manage spending accounts, and update your profile. Logging into the myCigna app will be available on the start date of your benefits. Physical medical cards will be mailed 7-10 business days before the start date of your benefits. If you do not receive your card in time for your medical appointment, please download the myCigna app or contact [email protected] for assistance.
First, make sure your coverage is updated with your provider so they can find you in the system and run claims. If the provider is not able to find you in the carrier system, make sure your information is accurate and up-to-date in their system. If your information is up-to-date and there are still issues, please contact [email protected]. Once the issue is resolved, the provider will need to re-run the claims. In order to update personal information with the carriers (i.e. date of birth/name/address), please reach out to [email protected].
Cigna offers a transition of care for Anthem plans. To find out more information, click here.
A deductible is the amount of money the carrier requires you to pay/meet before the co-insurance will contribute.
An embedded deductible is a system that combines individual and family deductibles in a family health insurance policy. Each person has their own deductible but the family also has a maximum total deductible if multiple family members need medical care during the year.
The deductible is on calendar year term and resets at the first of the year.
Concurrent HRO’s open enrollment begins 11/1/22 and deductibles reset 1/1/23. Deductibles are rolled over at open enrollment from the old plan to the new plan for the remainder of the year, so there is no loss in deductible contribution.
Cigna and Anthem will be working closely together for the deductible rollover. No one will lose anything they have paid to Anthem. Anything between 1/1 and 10/31 will be applied to the Cigna policies. In addition, employees can call 1-888-806-5042 if there are any issues with the rollover.
Cigna will also hold all claims until the deductible carry-over project is complete. We expect the project to be completed around December 17 at which time, we will release claims. When those claims are processed, there shouldn’t be any issues or concerns regarding deductible or out of pocket maximum coverages being applied since the previous Anthem deductibles and out of pocket maximums will be taken into account.
The out of pocket max is the most that you will have to pay for the year before the carrier pays 100% for any covered service.
The premium is the amount you pay every month to have insurance coverage.
No. The premium is what you pay to have insurance coverage. The deductible goes towards the out of pocket max which is the most that you will pay for the year before the carrier pays 100% of any covered service.
Open Enrollment is the only time of year that changes to benefits can be made, outside of a qualifying event.
Due to IRS Section 125 regulations, once you have made your benefit elections for the 2022-2023 plan year, you cannot change your benefits until the next annual open enrollment period. The only exception is if you have a qualified change in status. Election changes must be consistent with your status change and must be made within 30 days. Examples of these qualifying events include:
- Marriage, legal separation, divorce, declaration of common law marriage, civil union or domestic partnership
- Birth or adoption of a child
- Court-appointed responsibility
- Loss of other group or government-sponsored coverage
- Newly entitled to other group or government sponsored coverage
- Change in a dependent’s benefits status (example: a dependent child’s 26th birthday)
- Death of a dependent
- Spouse’s Open Enrollment
To change your benefits elections, notify [email protected] and submit change paperwork within 30 days of the change in status. You may be asked for proof of the change, such as a marriage certificate or birth certificate.
To make any changes to benefits, the IRS requires that we have proof of the Qualifying Event.
If coverage is lost from the employer (i.e. loss of job, change of status, etc.), please provide a letter on letterhead from the employer with the following information:
- The members who were enrolled in coverage.
- Coverage enrolled in (medical, dental, and/or vision).
- Effective date for loss of coverage.
If the Qualifying Event is due to the enrollment in:
- Medicare, please provide proof of the Medicare card.
- A marriage, please provide proof of the marriage certificate.
- Birth of a new child, please provide the birth certificate.
- Adoption of a child, please provide court appointed. documentation.
- Death, please provide the death certificate.
- A COBRA Letter.
All documentation necessary for the specific Qualifying Event needs to be sent to [email protected].
You can only terminate benefits during open enrollment, unless there is a qualifying event.
To find a dentist in your area go to myCigna.com. Click the tab that says “Find a Doctor”, this will lead you to another page where you will select that you are covered by an “Employer or School”. From there you can search for a doctor by type, doctor by name, or health facilities. Once you are in the system, you will also have access to the Cigna app (myCigna) which can be found in the App Store or Google Play or go to myCigna.com to find out more about your coverage and doctors in your area.
To find an optometrist in your area go to myCigna.com. Click the tab that says “Find a Doctor”, this will lead you to another page where you will select that you are covered by an “Employer or School”. From there you can search for a doctor by type, doctor by name, or health facilities. Once you are enrolled, you will also have access to the Cigna app (myCigna) which can be found in the App Store or Google Play or go to myCigna.com to find out more about your coverage and doctors in your area.
Guardian will honor the length of time under the prior contract toward their pre-existing condition limitations – the caveat is that it must be for the same benefit amount. If you were enrolled in the Colonial STD plan at $100 per week for the past year, when moving to Guardian, you would not have a pre-existing condition limitation for the same benefit amount ($100) with Guardian. If you now elect to carry $2,500 per week, the additional $2,400 would be subject to the pre-existing condition limitation for the new benefit amount.
Accident, Critical Illness, Hospital Confinement, and Voluntary Short Term Disability.
To find out more about the voluntary Accident Insurance offered through Guardian, watch this video!
To find out more about the voluntary Critical Illness/Specified Disease Insurance through Guardian, watch this video!
To find out more about the voluntary Hospital Indemnity Insurance offered through Guardian, watch this video!
To find out more about the voluntary Life Insurance offered through Guardian, watch this video!
To find out more about the voluntary Short Term Disability Insurance offered through Guardian, watch this video!
For any questions regarding the accident, critical illness, and hospital confinement plans you can email [email protected] or call (801) 819-7744.
Any questions regarding the Voluntary Short Term Disability contact Chris Mitarai at [email protected].
Please let them know you are under the Concurrent HRO Guardian plans.
Employees can keep their Colonial policies by filling out this form or by calling Colonial customer service at 1-800-325-4368.
All plans are portable except for the Group Hospital Confinement. That plan ends when the account closes out.
To continue coverage with Colonial, please complete this form: Request Form- Colonial.
Working Advantage is a complimentary discount program offered through Concurrent HRO. You can sign up to receive and view various discounts available. To sign up, go to workingadvantage.com then under the “Employees” tab click “Become a Member” and then click the option that says “Company Code”. From there, fill in the appropriate information required. The company code is “Concurrent”. Once you are in the system, you will be able to search “Pet Insurance” in the search bar to find various discounts for the insurance.
Unfortunately, pet insurance is not offered at this time through Concurrent HRO. However, through the Working Advantage discount program offered through Concurrent HRO, you can access Pet Insurance Policy discounts.
HSA and FSA
Flexible Savings Account Questions
An HSA is a savings account where tax-free or tax-deductible deposits are made to pay for qualified medical expenses. HSA money can be used to pay for eligible expenses today or can be saved for future expenses. There is no “use-it or lose-it” at the end of the year. An HSA is owned by the participant and they retain ownership even if they change employment. Here is a flyer to find out more about HSA accounts.
In order to open an HSA savings account, you must be enrolled in an HSA/HDHP medical plan.
Over contribution will cause for penalty on your taxes.
For HSA accounts in 2023, the max contribution for a single person is $3,850 and for a family the max contribution is $7,750.
A health Flexible Spending Account (FSA) allows individuals to use pre-tax dollars to pay for medical expenses not covered by insurance. A dependent care FSA, also known as a Dependent Care Assistance Plan (DCAP) allows individuals to use pre-tax dollars for daycare or dependent care expenses. The dependent care FSA (DCAP) cannot be used to pay for medical expenses. Individuals elect to contribute a portion of their paychecks to either a health FSA or dependent care FSA and save 25% to 40% in taxes. Here is a flyer with more information about FSA accounts.
Anyone with a medical, dental or vision policy can open an FSA account. If enrolled in an HSA and one elects an FSA, those funds can ONLY be used towards dental or vision services NOT MEDICAL – this is considered a limited FSA.
For FSA accounts, the max contribution for any sized household is TBD.
Dependent Care allows pre-taxed dollars from your paycheck to be contributed to a savings account to assist with childcare. A dependent receiving care must be a child under the age of 13, or a tax dependent unable to provide for their own care, who resides with you. Expenses for schooling, kindergarten, over-night care, and nursing homes are not reimbursable. Here is the flyer with more information about Dependent Care FSA accounts.
For Dependent Care FSA accounts, the annual max any sized household can contribute is TBD in 2023.
These accounts are calendar year benefits, so elections are made during Open Enrollment (11/1/22) for the following year. Elections made at Open Enrollment will begin on 1/1/23 and end on 12/31/23. You are not able to terminate an FSA account without a qualifying event.
The most significant difference between flexible spending accounts (FSA) and health savings accounts (HSA) is that an individual controls an HSA and allows contributions to roll over, while FSAs are less flexible and are owned by an employer.
If enrolled in an HSA medical plan, you are eligible to contribute to an HSA and a limited FSA savings account. The limited FSA savings account can only be used towards dental and vision and the amount elected must be used by 12/31 or the monies in the account are lost.
Here are the instructions on how to set up your Rocky Mountain Reserve account.
Cards will be mailed out to the mailing address that we have in our system. It will come unmarked, so be sure to open all mail during this time.
It typically takes 10-15 business days for cards to be mailed out, but please remember that you are at the mercy of the postal system. If a claim needs to be filed before your card arrives, you can register your account online and submit claims there.
If you do not receive your card, you will need to reach out to Rocky Mountain Reserve at 1-888-722-1223.
Your account does not open until the first payroll has been finalized, and thereafter, it can take roughly a week before the funds show up in the member’s account.