Campbell University offers two plans from Cigna for health insurance coverage: Open Access Plus (PPO) and a High Deductible Health Plan with a Health Savings Account Option (Open Access HDHP). Each eligible permanent full-time employee pays the monthly premiums for health care coverage. Campbell University cannot guarantee that employees will be eligible to participate in the University's medical insurance plan. If Cigna refuses coverage to the employee for any reason, Campbell University is under no obligation to locate, or pay for, substitute coverage. Dependent or family coverage may be obtained with premiums paid by pre-tax payroll deductions.
The Cigna website has complete information on participating provider directory, discount and incentive programs, etc.
Benefits Quick Links
2013 Monthly Premiums
Cigna Open Access Plus
- Employee Only - $70
- Employee and One Dependent - $430
- Family - $750
Cigna Open Access HDHP (High Deductible Plan with optional Health Savings Account)
- Employee Only - $60
- Employee and One Dependent - $365
- Family - $655
Cigna Vision Care
Cigna Vision Care Customer Service Number - 1-877-478-7557 or sign on to mycigna.com
You can call or go online to find a list of participating providers that Cigna has in network.
If you receive services from a provider outside the Cigna Vision Network, you will need to fill out a Cigna Vision Claim Form. If you receive services from a participating provider, no claim form is necessary.
Flexible Spending Account
Flexible Spending Accounts are a provision of the Section 125 tax law that allows you to deposit a tax-free portion of your gross income into a savings-like account which is then used to pay you for unreimbursed medical as well as certain dependent care expenses. There are two (2) types of accounts available: Medical Spending Accounts and Dependent Care Spending Accounts.
Health Care Flexible Spending Account
You may elect to have a specific number of dollars deducted from your gross pay before taxes and put in a reimbursement account. You may use these monies within the year for reimbursement on things such as: co-pays, deductible/ coinsurance expenses, physicals, hearing aids, dental care, braces, contact lenses, and more. (**Note - as of January 1, 2011, Over the Counter Medications are no longer eligible through the Flexible Spending Account. An updated list is available in HR.) You can set pre-tax aside between $100 and $2,500 annually.
Dependent Care Flexible Spending Account
You may elect to have a specific number of dollars deducted from your gross pay before taxes each period for daycare expenses. These dollars are then contributed to a reimbursement account. The money is deducted from your check before taxes are applied. This saves you "taxation" on this amount that can later be reimbursed to you for dependent care. You can set aside pre-tax between $500 and $5,000 annually.
1. FSA funds can no longer be used to purchase OTC medicine and drugs unless a medicine or drug is prescribed. A “prescription” means a written or electronic order for a medicine or drug that meets the legal requirements of a prescription in the state in which the medical expense is incurred and that is issued by an individual who is legally authorized to issue a prescription in that state.
The OTC items affected include items in the following categories:
Acid controllers, Allergy & sinus, Antibiotic products, Anti-diarrheals, Anti-gas, Anti-itch & insect bite, Antiparasitic treatments, Baby rash ointments/creams, Cold sore remedies, Cough, Cold and flu, Digestive aids, Feminine anti-fungal/itch, Hemorrhoidal preps, Laxatives, Motion sickness, Pain relief, Respiratory Treatments, Sleep aids & sedatives, Stomach remedies
2. You can continue to use your FSA funds to purchase OTC items that are not considered a medicine or drug (e.g. bandages, splints, contact lens solution, etc.) Please note that insulin remains an eligible expense with or without a prescription. Keep all receipts and be prepared to substantiate any and all purchases when requested by SHDR (a division of BB&T). If you have questions about your FSA you can call SHDR at this number: (800) 768-4873 or go to www.shdr.com