State of Connecticut
CIGNA DENTAL PREFERRED PROVIDER INSURANCE Enhanced Plan Enhanced Plan with HEP
EFFECTIVE DATE: July 1, 2016
CN021 3330622
This document printed in April, 2017 takes the place of any documents previously issued to you which described your benefits.
Printed in U.S.A.
Table of Contents
Certification ...... 4 Important Notices ...... 6 How To File Your Claim ...... 6 Eligibility - Effective Date ...... 6 Employee Insurance ...... 6 Waiting Period ...... 7 Dependent Insurance ...... 7 Important Information about Your Dental Plan ...... 7 Cigna Dental Preferred Provider Insurance ...... 8 The Schedule ...... 8 Covered Dental Expense ...... 10 Dental PPO – Participating and Non-Participating Providers ...... 10 Expenses Not Covered ...... 12 General Limitations ...... 13 Dental Benefits ...... 13 Coordination of Benefits...... 13 Payment of Benefits ...... 15 Termination of Insurance...... 16 Employees ...... 16 Dependents ...... 16 Dental Benefits Extension...... 16 Federal Requirements ...... 17 Notice of Provider Directory/Networks...... 17 Qualified Medical Child Support Order (QMCSO) ...... 17 Effect of Section 125 Tax Regulations on This Plan ...... 17 Eligibility for Coverage for Adopted Children ...... 18 Group Plan Coverage Instead of Medicaid ...... 19 Requirements of Medical Leave Act of 1993 (as amended) (FMLA) ...... 19 Uniformed Services Employment and Re-Employment Rights Act of 1994 (USERRA) ...... 19 COBRA Continuation Rights Under Federal Law ...... 20 Notice of an Appeal or a Grievance ...... 22 When You Have A Complaint Or An Appeal ...... 23 Definitions ...... 24
Home Office: Bloomfield, Connecticut Mailing Address: Hartford, Connecticut 06152
CIGNA HEALTH AND LIFE INSURANCE COMPANY a Cigna company (hereinafter called Cigna) certifies that it insures certain Employees for the benefits provided by the following policy(s):
POLICYHOLDER: State of Connecticut
GROUP POLICY(S) — COVERAGE 3330622 - CTEH0,CTE00 CIGNA DENTAL PREFERRED PROVIDER INSURANCE
EFFECTIVE DATE: July 1, 2016
This certificate describes the main features of the insurance. It does not waive or alter any of the terms of the policy(s). If questions arise, the policy(s) will govern. This certificate takes the place of any other issued to you on a prior date which described the insurance.
HC-CER2 04-10 V1
Explanation of Terms You will find terms starting with capital letters throughout your certificate. To help you understand your benefits, most of these terms are defined in the Definitions section of your certificate.
The Schedule The Schedule is a brief outline of your maximum benefits which may be payable under your insurance. For a full description of each benefit, refer to the appropriate section listed in the Table of Contents.
BE SURE TO FOLLOW THE INSTRUCTIONS LISTED Important Notices ON THE BACK OF THE CLAIM FORM CAREFULLY WHEN SUBMITTING A CLAIM TO CIGNA. Disclosure Notice Timely Filing of Out-of-Network Claims IMPORTANT: Cigna will consider claims for coverage under our plans when If you opt to receive dental services or procedures that are not proof of loss (a claim) is submitted within one year (365 days) covered benefits under this plan, a participating dental after services are rendered. If services are rendered on provider may charge you his or her usual and customary rate consecutive days, such as for a Hospital Confinement, the for such services or procedures; however where available, limit will be counted from the last date of service. If claims are network discounts will apply*. Prior to providing you with not submitted within one year, the claim will not be dental services or procedures that are not covered benefits, the considered valid and will be denied. dental provider should provide you with a treatment plan that WARNING: Any person who knowingly and with intent to includes each anticipated service or procedure to be provided defraud any insurance company or other person files an and the estimated cost of each such service or procedure. To application for insurance or statement of claim containing any fully understand your coverage, you may wish to review your materially false information; or conceals for the purpose of evidence of coverage document. misleading, information concerning any material fact thereto, *Discounts on non-covered services may not be available in commits a fraudulent insurance act. all states. Certain dentists may not offer discounts on non- covered services. Please speak with your dental care professional or contact Cigna member services prior to HC-CLM1 04-10 receiving care to determine if these discounts will apply to V1 you.
HC-IMP151 07-14 M Eligibility - Effective Date
Employee Insurance This plan is offered to you as an Employee. How To File Your Claim Eligibility for Employee Insurance There’s no paperwork for In-Network care. Just show your You will become eligible for insurance on the day you identification card and pay your share of the cost, if any; your complete the waiting period if: provider will submit a claim to Cigna for reimbursement. Out- you are in a Class of Eligible Employees as determined by of-Network claims can be submitted by the provider if the the Plan Sponsor; and provider is able and willing to file on your behalf. If the provider is not submitting on your behalf, you must send your you pay any required contribution. completed claim form and itemized bills to the claims address If you were previously insured and your insurance ceased, you listed on the claim form. must satisfy the Waiting Period to become insured again. If You may get the required claim forms from the website listed your insurance ceased because you were no longer employed on your identification card or by calling Member Services in a Class of Eligible Employees, you are not required to using the toll-free number on your identification card. satisfy any waiting period if you again become a member of a Class of Eligible Employees within one year after your CLAIM REMINDERS insurance ceased. BE SURE TO USE YOUR MEMBER ID AND Eligibility for Dependent Insurance ACCOUNT/GROUP NUMBER WHEN YOU FILE CIGNA’S CLAIM FORMS, OR WHEN YOU CALL You will become eligible for Dependent insurance on the later YOUR CIGNA CLAIM OFFICE. of: YOUR MEMBER ID IS THE ID SHOWN ON YOUR the day you become eligible for yourself; or BENEFIT IDENTIFICATION CARD. the day you acquire your first Dependent. YOUR ACCOUNT/GROUP NUMBER IS SHOWN ON YOUR BENEFIT IDENTIFICATION CARD.
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Waiting Period Late Entrant Limit The first day of the month immediately following an Your Employer will not allow you to enroll for dental employee’s date of hire or date of eligibility. insurance until the next open enrollment period.
Classes of Eligible Employees
Each Employee as reported to the insurance company by your HC-LEL1 04-10 Employer. V3 Effective Date of Employee Insurance You will become insured on the date you elect the insurance by signing an approved payroll deduction or enrollment form, Important Information about Your as applicable, but no earlier than the date you become eligible. Dental Plan You will become insured on your first day of eligibility, following your election, if you are in Active Service on that When you elected Dental Insurance for yourself and your date, or if you are not in Active Service on that date due to Dependents, you elected one of the three options offered: your health status. Cigna Dental Care (DHMO); or Late Entrant - Employee Cigna Dental Preferred Provider (Basic or Enhanced You are a Late Entrant if: Plan Offerings) Details of the benefits under each of the options are described you elect the insurance more than 30 days after you become eligible; or in separate certificates/booklets. When electing an option initially or when changing options as you again elect it after you cancel your payroll deduction (if required). described below, the following rules apply: You and your Dependents may enroll for only one of the Dependent Insurance above options. For your Dependents to be insured, you will have to pay the Your Dependents will be insured only if you are insured required contribution, if any, toward the cost of Dependent and only for the same option. Insurance. Change in Option Elected Effective Date of Dependent Insurance If your plan is subject to Section 125 (an IRS regulation), you Insurance for your Dependents will become effective on the are allowed to change options only at Open Enrollment or date you elect it by signing an approved payroll deduction when you experience a “Life Status Change.” form (if required), but no earlier than the day you become If your plan is not subject to Section 125 you are allowed to eligible for Dependent Insurance. All of your Dependents as change options at any time. defined will be included. Consult your plan administrator for the rules that govern your Your Dependents will be insured only if you are insured. plan. Late Entrant – Dependent Effective Date of Change You are a Late Entrant for Dependent Insurance if: If you change options during open enrollment, you (and your you elect that insurance more than 30 days after you Dependents) will become insured on the effective date of the become eligible for it; or plan. If you change options other than at open enrollment (as allowed by your plan), you will become insured on the first you again elect it after you cancel your payroll deduction (if day of the month after the transfer is processed. required).
HC-IMP2 04-10 HC-ELG1 04-10 HC-IMP74 V1 M V6 M
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Cigna Dental Preferred Provider Insurance
The Schedule For You and Your Dependents
The Dental Benefits Plan offered by your Employer includes two options. When you select a Participating Provider, this plan pays a greater share of the cost than if you were to select a non-Participating Provider.
Emergency Services The Benefit Percentage payable for Emergency Services charges made by a non-Participating Provider is the same Benefit Percentage as for Participating Provider Charges. Dental Emergency Services are required immediately to either alleviate pain or to treat the sudden onset of an acute dental condition. These are usually minor procedures performed in response to serious symptoms, which temporarily relieve significant pain, but do not effect a definitive cure, and which, if not rendered, will likely result in a more serious dental or medical complication. Deductibles Deductibles are expenses to be paid by you or your Dependent. Deductibles are in addition to any Coinsurance. Once the Deductible maximum in The Schedule has been reached you and your family need not satisfy any further dental deductible for the rest of that year. Participating Provider Payment Participating Provider services are paid based on the Contracted Fee agreed upon by the provider and the Insurance Company. Non-Participating Provider Payment For Providers not participating in the Client Specific Network, services are paid based on the Average Contracted Fee Schedule (for location of services rendered).
Simultaneous Accumulation of Amounts
Benefits paid for Participating and non-Participating Provider services will be applied toward both the Participating and non-Participating Provider maximum shown in the Schedule.
Expenses incurred for either Participating or non-Participating Provider charges will be used to satisfy both the Participating and non-Participating Provider Deductibles shown in the Schedule.
. BENEFIT PARTICIPATING PROVIDER NON-PARTICIPATING PROVIDER HIGHLIGHTS Classes I, II, III Combined Calendar Year Maximum $3,000 Except Periodontal Services
Class IV Lifetime $1,500 Maximum Class IX Calendar $500
Year Maximum
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BENEFIT PARTICIPATING PROVIDER NON-PARTICIPATING PROVIDER HIGHLIGHTS
Calendar Year Deductible
Individual $25 per person
Not Applicable to Class I
Family Maximum $75 per family
Not Applicable to Class I . Class I
Preventive and 100% no plan deductible 100% no plan deductible Diagnostic Care
Class II
Basic Restorative 80% after plan deductible 80% after plan deductible Care
Periodontal* 80% after plan deductible 80% after plan deductible Scaling and Root Planing Periodontal 100% no plan deductible 100% no plan deductible Maintenance* ** Class III
Major Restorative 67% after plan deductible 67% after plan deductible Care Bridges and 50% after plan deductible 50% after plan deductible Dentures Class IV
Orthodontia 50% no plan deductible 50% no plan deductible
. Class IX
Implants 50% after plan deductible 50% after plan deductible
*If enrolled in the Health Enhancement Program: No annual maximum on services for periodontal maintenance (2 per calendar year) or scaling and root planning (frequency limits and costs shares still apply). **Please see the Miscellaneous section on page 15 which describes the 100% copay reimbursement for pregnant and diabetic members.
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considered the service should be identified using the American Covered Dental Expense Dental Association Uniform Code of Dental Procedures and Nomenclature, or by description and then submitted to Cigna. Covered Dental Expense means that portion of a Dentist’s charge that is payable for a service delivered to a covered This certificate contains a general description of procedures person provided: that are covered and describes services subject to exclusions or limitations of the plan. The document is not all-inclusive and the service is ordered or prescribed by a Dentist; may not reflect every procedure that is included or excluded is essential for the Necessary care of teeth; under the plan. For example, while the plan covers x-rays it the service is within the scope of coverage limitations; does not cover cone beam x-rays. To obtain specific guidance about planned dental services please call Cigna at the toll free the deductible amount in The Schedule has been met; ‘800’ number listed in your plan materials, and one of our the maximum benefit in The Schedule has not been customer service agents will be able to provide you with this exceeded; level of detail. Pretreatment estimates are elective and not the charge does not exceed the amount allowed under the required; however, we recommend that you work with your Alternate Benefit Provision; dental healthcare provider to obtain one before commencing services. for Class I, II or III the service is started and completed while coverage is in effect, except for services described in
the “Benefits Extension” section. HC-DEM203 09-16 Alternate Benefit Provision V1 M If more than one covered service will treat a dental condition, payment is limited to the least costly service provided it is a professionally accepted, necessary and appropriate treatment. Dental PPO – Participating and Non- If the covered person requests or accepts a more costly Participating Providers covered service, he or she is responsible for expenses that Plan payment for a covered service delivered by a exceed the amount covered for the least costly service. Participating Provider is the Contracted Fee for that procedure, Therefore, Cigna recommends Predetermination of Benefits times the benefit percentage that applies to the class of service, before major treatment begins. as specified in the Schedule. Predetermination of Benefits The covered person is responsible for the balance of the Predetermination of Benefits is a voluntary review of a Contracted Fee. Dentist’s proposed treatment plan and expected charges. It is Plan payment for a covered service delivered by a non- not preauthorization of service and is not required. Participating Provider is the Contracted Fee for that procedure The treatment plan should include supporting pre-operative x- as listed on the Primary Schedule aligned to the 3-digit zip rays and other diagnostic materials as requested by Cigna's code for the geographical area where the service is performed, dental consultant. If there is a change in the treatment plan, a times the benefit percentage that applies to the class of service, revised plan should be submitted. as specified in the Schedule. The Primary Schedule is the fee schedule with the lowest Contracted Fees currently being Cigna will determine covered dental expenses for the accepted by a Participating Provider in the relevant 3-digit zip proposed treatment plan. If there is no Predetermination of code. Benefits, Cigna will determine covered dental expenses when it receives a claim. The covered person is responsible for the balance of the non- Participating Provider’s actual charge. Review of proposed treatment is advised whenever extensive dental work is recommended when charges exceed $200. Predetermination of Benefits is not a guarantee of a set HC-DEN159 07-14 payment. Payment is based on the services that are actually V1 M delivered and the coverage in force at the time services are completed. Class I Services – Diagnostic and Preventive Covered Services Clinical oral examination – Only 2 per person per calendar The following section lists covered dental services. Cigna may year. agree to cover expenses for a service not listed. To be
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Bitewing x-rays – Only1 charge per person per calendar year. Surgical Removal of Erupted Tooth Requiring Elevation of X-rays – Complete series or Panoramic (Panorex) – Only one Mucoperiosteal Flap and Removal of Bone and/or Section of per person, including panoramic film, in any 5 calendar years. Tooth Prophylaxis (Cleaning) – Only 2 per person per calendar year. Removal of Impacted Tooth, Soft Tissue Periodontal maintenance procedures (following active Removal of Impacted Tooth, Partially Bony therapy) – Only 2 per person per calendar year. Removal of Impacted Tooth, Completely Bony Topical application of fluoride – Limited to persons less than Local anesthetic, analgesic and routine postoperative care for 16 years old. Only 2 per person per calendar year. extractions and other oral surgery procedures are not Topical application of sealant, per tooth, on a posterior tooth separately reimbursed but are considered as part of the for a person less than 16 years old - Only 1 treatment per tooth submitted fee for the global surgical procedure. in any 3 calendar years. General Anesthesia – Paid as a separate benefit only when Vizlite. Medically or Dentally Necessary, as determined by Cigna, and when administered in conjunction with complex oral surgical procedures which are covered under this plan. HC-DEN198 08-16 I.V. Sedation – Paid as a separate benefit only when Medically V5 M or Dentally Necessary, as determined by Cigna, and when
administered in conjunction with complex oral surgical procedures which are covered under this plan. Class II Services – Basic Restorations, Periodontics, Endodontics, Oral Surgery, Prosthodontic Maintenance Palliative (emergency) treatment of dental pain, minor procedures, when no other definitive Dental Services are Amalgam Filling performed. (Any x-ray taken in connection with such Composite/Resin Filling treatment is a separate Dental Service.) Brush Biopsy. Space Maintainers for persons under age 16, fixed unilateral – Nitrous Oxide. Limited to nonorthodontic treatment. Root Canal Therapy/Endodontics – Any x-ray, test, laboratory exam or follow-up care is part of the allowance for root canal HC-DEN199 08-16 therapy and not a separate Dental Service. HC-DEN163V1 M Minor and Major Periodontal. Osseous Surgery – Only 1 periodontal surgical procedure is Class III Services - Major Restorations, Dentures and covered per area of the month in any consecutive 36 month Bridgework period. Crowns, Inlays, Onlays-Only 1 per tooth in any 7 calendar Periodontal Scaling- Only 1 charge per person per 24 calendar years. months. Stainless Steel/Resin Crowns-replacement every 7 calendar Periodontal Scaling and Root Planing (if not related to years. periodontal surgery) - Per Quadrant - Limited to 1 time per Note: Crown restorations are Dental Services only when the quadrant of the mouth in any consecutive 36-month period. tooth, as a result of extensive caries or fracture, cannot be Not separately payable if performed on the same treatment restored with amalgam, composite/resin, silicate, acrylic or plan as prophylaxis. plastic restoration. Adjustments – Complete Denture Porcelain Fused to High Noble Metal Any adjustment of or repair to a denture within 6 months of Full Cast, High Noble Metal its installation is not a separate Dental Service. Three-Fourths Cast, Metallic Recement Bridge Removable Appliances Relines, Rebases and Adjustments – Allowable 6 months after install. Complete (Full) Dentures, Upper or Lower Repairs-Bridges, Crowns and Inlays. Partial Dentures Repairs-Dentures. Lower, Cast Metal Base with Resin Saddles (including any conventional clasps, rests and teeth) Oral Surgery-Simple Extractions
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Upper, Cast Metal Base with Resin Saddles (including any Payments for comprehensive full-banded orthodontic conventional clasps rests and teeth) treatment are made in installments. Benefit payments will be Fixed Appliances made every 3 months. The first payment is due when the appliance is installed. Later payments are due at the end of Bridge Pontics - Cast High Noble Metal each 3-month period. The first installment is 25% of the Bridge Pontics - Porcelain Fused to High Noble Metal charge for the entire course of treatment. The remainder of the Bridge Pontics - Resin with High Noble Metal charge is prorated over the estimated duration of treatment. Payments are only made for services provided while a person Retainer Crowns - Resin with High Noble Metal is insured. If insurance coverage ends or treatment ceases, Retainer Crowns - Porcelain Fused to High Noble Metal payment for the last 3-month period will be prorated.
Retainer Crowns - Full Cast High Noble Metal
Crown Over Implant – A prosthetic device, supported by an HC-DEN6 04-10 implant or implant abutment is a Covered Expense. V3 Replacement of any type of crown supported by an implant or implant abutment is only payable if the existing prosthesis is at least 7 consecutive years, is not serviceable and cannot be Class IX Services – Implants repaired. Covered Dental Expenses include: the surgical placement of Oral Surgery-All except Simple Extraction. the implant body or framework of any type; any device, index, or surgical template guide used for implant surgery; prefabricated or custom implant abutments; or removal of an existing implant. Implant removal is covered only if the
HC-DEN204 08-16 implant is not serviceable and cannot be repaired. V1 M Implant coverage may have a separate deductible amount, Class IV Services - Orthodontics yearly maximum and/or lifetime maximum as shown in The Schedule. Each month of active treatment is a separate Dental Service. Covered Expenses include: Orthodontic work-up including x-rays, diagnostic casts and HC-DEN8 04-10 V1 treatment plan and the first month of active treatment including all active treatment and retention appliances. Expenses Not Covered Continued active treatment after the first month. Covered Expenses will not include, and no payment will be Fixed or Removable Appliances - Only one appliance per made for: person for tooth guidance or to control harmful habits. services performed solely for cosmetic reasons; Periodic observation of patient dentition to determine when orthodontic treatment should begin, at intervals established replacement of a lost or stolen appliance; by the dentist, up to four times per calendar year. replacement of a bridge, crown or denture within 7 years The total amount payable for all expenses incurred for after the date it was originally installed unless: the orthodontics during a person’s lifetime will not be more than replacement is made necessary by the placement of an the orthodontia maximum shown in the Schedule. original opposing full denture or the necessary extraction of natural teeth; or the bridge, crown or denture. No coverage for replacement of crowns if damage or breakage was directly due to provider error. This type of replacement is the responsibility of the Dentist. If replacement is necessary because of patient non-compliance, the patient is liable for the cost of replacement; any replacement of a bridge, crown or denture which is or can be made useable according to common dental standards; procedures, appliances or restorations (except full dentures) whose main purpose is to: change vertical dimension; diagnose or treat conditions or dysfunction of the
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temporomandibular joint; stabilize periodontally involved for or in connection with experimental procedures or teeth; or restore occlusion; treatment methods not approved by the American Dental porcelain or acrylic veneers of crowns or pontics on all Association or the appropriate dental specialty society. teeth;
bite registrations; precision or semiprecision attachments; or HC-DEX1 04-10 splinting; V3 instruction for plaque control, oral hygiene and diet; dental services that do not meet common dental standards; services that are deemed to be medical services; Coordination of Benefits services and supplies received from a Hospital; This section applies if you or any one of your Dependents is covered under more than one Plan and determines how services for which benefits are not payable according to the benefits payable from all such Plans will be coordinated. You “General Limitations” section. should file all claims with each Plan. Definitions HC-DEX49 10-15 For the purposes of this section, the following terms have the V1 M meanings set forth below: HC-DEX61 08-16 Plan V3 M Any of the following that provides benefits or services for HC-DEX63 08-16 medical or dental care or treatment: V1 M Group insurance and/or group-type coverage, whether
insured or self-insured which neither can be purchased by the general public, nor is individually underwritten, General Limitations including closed panel coverage. Dental Benefits Governmental benefits as permitted by law, excepting No payment will be made for expenses incurred for you or any Medicaid, Medicare and Medicare supplement policies. one of your Dependents: Medical benefits coverage of group, group-type, and for or in connection with an Injury arising out of, or in the individual automobile contracts. course of, any employment for wage or profit; Each Plan or part of a Plan which has the right to coordinate for or in connection with a Sickness which is covered under benefits will be considered a separate Plan. any workers' compensation or similar law; Closed Panel Plan for charges made by a Hospital owned or operated by or A Plan that provides medical or dental benefits primarily in which provides care or performs services for, the United the form of services through a panel of employed or States Government, if such charges are directly related to a contracted providers, and that limits or excludes benefits military-service-connected condition; provided by providers outside of the panel, except in the case services or supplies received as a result of dental disease, of emergency or if referred by a provider within the panel. defect or injury due to an act of war, declared or undeclared; Primary Plan to the extent that payment is unlawful where the person The Plan that determines and provides or pays benefits resides when the expenses are incurred; without taking into consideration the existence of any other for charges which the person is not legally required to pay; Plan. for charges which would not have been made if the person Secondary Plan had no insurance; A Plan that determines, and may reduce its benefits after to the extent that billed charges exceed the rate of taking into consideration, the benefits provided or paid by the reimbursement as described in the Schedule; Primary Plan. A Secondary Plan may also recover from the Primary Plan the Reasonable Cash Value of any services it for charges for unnecessary care, treatment or surgery; provided to you. to the extent that you or any of your Dependents is in any way paid or entitled to payment for those expenses by or through a public program, other than Medicaid;
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Allowable Expense the Plan for that parent has actual knowledge of the terms A necessary, reasonable and customary service or expense, of the order, but only from the time of actual knowledge; including deductibles, coinsurance or copayments, that is then, the Plan of the parent with custody of the child; covered in full or in part by any Plan covering you. When a then, the Plan of the spouse of the parent with custody of Plan provides benefits in the form of services, the Reasonable the child; Cash Value of each service is the Allowable Expense and is a paid benefit. then, the Plan of the parent not having custody of the child; and Examples of expenses or services that are not Allowable Expenses include, but are not limited to the following: finally, the Plan of the spouse of the parent not having custody of the child. An expense or service or a portion of an expense or service that is not covered by any of the Plans is not an Allowable The Plan that covers you as an active employee (or as that Expense. employee's Dependent) shall be the Primary Plan and the Plan that covers you as laid-off or retired employee (or as If your benefits are reduced under the Primary Plan (through that employee's Dependent) shall be the secondary Plan. If the imposition of a higher copayment amount, higher the other Plan does not have a similar provision and, as a coinsurance percentage, a deductible and/or a penalty) result, the Plans cannot agree on the order of benefit because you did not comply with Plan provisions or because determination, this paragraph shall not apply. you did not use a preferred provider, the amount of the reduction is not an Allowable Expense. Such Plan The Plan that covers you under a right of continuation provisions include second surgical opinions and which is provided by federal or state law shall be the precertification of admissions or services. Secondary Plan and the Plan that covers you as an active employee or retiree (or as that employee's Dependent) shall Claim Determination Period be the Primary Plan. If the other Plan does not have a A calendar year or that part of a calendar year in which the similar provision and, as a result, the Plans cannot agree on person has been covered under this Plan. the order of benefit determination, this paragraph shall not Reasonable Cash Value apply. An amount which a duly licensed provider of health care If one of the Plans that covers you is issued out of the state services usually charges patients and which is within the range whose laws govern this Policy, and determines the order of of fees usually charged for the same service by other health benefits based upon the gender of a parent, and as a result, care providers located within the immediate geographic area the Plans do not agree on the order of benefit determination, where the health care service is rendered under similar or the Plan with the gender rules shall determine the order of comparable circumstances. benefits. Order of Benefit Determination Rules If none of the above rules determines the order of benefits, the Plan that has covered you for the longer period of time shall A Plan that does not have a coordination of benefits rule be primary. consistent with this section shall always be the Primary Plan. If the Plan does have a coordination of benefits rule consistent Effect on the Benefits of This Plan with this section, the first of the following rules that applies to If this Plan is the Secondary Plan it will be liable for the lesser the situation is the one to use: of: The Plan that covers you as an enrollee or an employee shall what the secondary carrier would pay if primary, or be the Primary Plan and the Plan that covers you as a the balance of the billed charge. Dependent shall be the Secondary Plan; The difference between the amount that this Plan would have If you are a Dependent child whose parents are not divorced paid if this Plan had been the Primary Plan, and the benefit or legally separated, the Primary Plan shall be the Plan payments that this Plan had actually paid as the Secondary which covers the parent whose birthday falls first in the Plan, will be recorded as a benefit reserve for you. Cigna will calendar year as an enrollee or employee; use this benefit reserve to pay any Allowable Expense not If you are the Dependent of divorced or separated parents, otherwise paid during the Claim Determination Period. benefits for the Dependent shall be determined in the As each claim is submitted, Cigna will determine the following order: following: first, if a court decree states that one parent is responsible Cigna’s obligation to provide services and supplies under for the child's healthcare expenses or health coverage and this policy;
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whether a benefit reserve has been recorded for you; and patient. Because of Cigna’s contracts with providers, all whether there are any unpaid Allowable Expenses during claims from contracted providers should be assigned. the Claims Determination Period. Cigna may, at its option, make payment to you for the cost of If there is a benefit reserve, Cigna will use the benefit reserve any Covered Expenses from a Non-Participating Provider recorded for you to pay up to 100% of the total of all even if benefits have been assigned. When benefits are paid to Allowable Expenses. At the end of the Claim Determination you or your Dependent, you or your Dependents are Period, your benefit reserve will return to zero and a new responsible for reimbursing the provider. benefit reserve will be calculated for each new Claim If any person to whom benefits are payable is a minor or, in Determination Period. the opinion of Cigna is not able to give a valid receipt for any Recovery of Excess Benefits payment due him, such payment will be made to his legal guardian. If no request for payment has been made by his legal If Cigna pays charges for benefits that should have been paid guardian, Cigna may, at its option, make payment to the by the Primary Plan, or if Cigna pays charges in excess of person or institution appearing to have assumed his custody those for which we are obligated to provide under the Policy, and support. Cigna will have the right to recover the actual payment made or the Reasonable Cash Value of any services. When one of our participants passes away, Cigna may receive notice that an executor of the estate has been established. The Cigna will have sole discretion to seek such recovery from any executor has the same rights as our insured and benefit person to, or for whom, or with respect to whom, such payments for unassigned claims should be made payable to the services were provided or such payments made by any executor. insurance company, healthcare plan or other organization. If we request, you must execute and deliver to us such Payment as described above will release Cigna from all instruments and documents as we determine are necessary to liability to the extent of any payment made. secure the right of recovery. Recovery of Overpayment Right to Receive and Release Information When an overpayment has been made by Cigna, Cigna will Cigna, without consent or notice to you, may obtain have the right at any time to: recover that overpayment from information from and release information to any other Plan the person to whom or on whose behalf it was made; or offset with respect to you in order to coordinate your benefits the amount of that overpayment from a future claim payment. pursuant to this section. You must provide us with any information we request in order to coordinate your benefits HC-POB4 04-10 pursuant to this section. This request may occur in connection V1 with a submitted claim; if so, you will be advised that the
"other coverage" information, (including an Explanation of Benefits paid under the Primary Plan) is required before the Miscellaneous claim will be processed for payment. If no response is Clinical research has established an association between dental received within 90 days of the request, the claim will be disease and complication of some medical conditions, such as denied. If the requested information is subsequently received, the conditions noted below. the claim will be processed. If you are a Cigna Dental plan member and you have one or more of the conditions listed below, you may apply for 100% HC-COB29 04-10 reimbursement of your copayment or coinsurance for certain V1 periodontal or caries-protection procedures (up to the applicable plan maximum reimbursement levels and annual plan maximums.) Payment of Benefits For members with diabetes, cerebrovascular or cardiovascular To Whom Payable disease: Dental Benefits are assignable to the provider. When you periodontal scaling and root planing (sometimes assign benefits to a provider, you have assigned the entire referred to as “deep cleaning”) amount of the benefits due on that claim. If the provider is periodontal maintenance overpaid because of accepting a patient’s payment on the charge, it is the provider’s responsibility to reimburse the For members who are pregnant: periodic, limited and comprehensive oral evaluation
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periodontal evaluation Temporary Layoff or Leave of Absence
periodontal maintenance If your Active Service ends due to temporary layoff or leave of absence, your insurance will be continued as determined by periodontal scaling and root planing (sometimes the Plan Sponsor. referred to as “deep cleaning”) Injury or Sickness treatment of inflamed gums around wisdom teeth If your Active Service ends due to an Injury or Sickness, your an additional cleaning during pregnancy insurance will be continued while you remain totally and continuously disabled as a result of the Injury or Sickness. palliative (emergency) treatment – minor procedure However, your insurance will not continue past the date your For members with chronic kidney disease or going to or Employer stops paying premium for you or otherwise cancels having undergone an organ transplant or undergoing head and your insurance. neck Cancer Radiation: Retirement topical application of fluoride If your Active Service ends because you retire, your insurance will be continued if you are eligible for retiree health benefits topical fluoride varnish as determined by the Plan Sponsor. application of sealant Dependents periodontal scaling and root planing (sometimes referred to as “deep cleaning”) Your insurance for all of your Dependents will cease on the earliest date below: periodontal maintenance the date your insurance ceases. To request reimbursement from Cigna Dental, call 1-800- the date you cease to be eligible for Dependent Insurance. Cigna24, follow the prompts for Dental and ask for an Oral the last day for which you have made any required Health Integration Reimbursement form. Complete the form, contribution for the insurance. sign it and mail it to Cigna Dental as described on the form. the date Dependent Insurance is canceled. Your reimbursement will be processed within 30 days. If you need assistance completing the form, a representative will be The insurance for any one of your Dependents will cease on happy to assist you. the date that Dependent no longer qualifies as a Dependent. A surviving Spouse is covered as determined by the Plan
Sponsor. HC-POB5 04-10
V1 M HC-TRM3 04-10 V1 M Termination of Insurance
Employees Dental Benefits Extension Your insurance will cease on the earliest date below: An expense incurred in connection with a Dental Service that is completed after a person's benefits cease will be deemed to the date you cease to be in a Class of Eligible Employees or be incurred while he is insured if: cease to qualify for the insurance. for fixed bridgework and full or partial dentures, the first the last day for which you have made any required impressions are taken and/or abutment teeth fully prepared contribution for the insurance. while he is insured and the device installed or delivered to the date the policy is canceled. him within 3 calendar months after his insurance ceases. the date your Active Service ends as determined by the Plan for a crown, inlay or onlay, the tooth is prepared while he is Sponsor except as described below. insured and the crown, inlay or onlay installed within 3 Any continuation of insurance must be based on a plan which calendar months after his insurance ceases. precludes individual selection. for root canal therapy, the pulp chamber of the tooth is opened while he is insured and the treatment is completed within 3 calendar months after his insurance ceases.
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There is no extension for any Dental Service not shown above. Qualified Medical Child Support Order Defined
A Qualified Medical Child Support Order is a judgment,
HC-BEX3 04-10 decree or order (including approval of a settlement agreement) V1 or administrative notice, which is issued pursuant to a state domestic relations law (including a community property law),
or to an administrative process, which provides for child support or provides for health benefit coverage to such child Federal Requirements and relates to benefits under the group health plan, and The following pages explain your rights and responsibilities satisfies all of the following: under federal laws and regulations. Some states may have the order recognizes or creates a child’s right to receive similar requirements. If a similar provision appears elsewhere group health benefits for which a participant or beneficiary in this booklet, the provision which provides the better benefit is eligible; will apply. the order specifies your name and last known address, and the child’s name and last known address, except that the
HC-FED1 10-10 name and address of an official of a state or political subdivision may be substituted for the child’s mailing
address; Notice of Provider Directory/Networks the order provides a description of the coverage to be provided, or the manner in which the type of coverage is to Notice Regarding Provider Directories and Provider be determined; Networks the order states the period to which it applies; and A list of network providers is available to you without charge by visiting the website www.cigna.com/sites/stateofct- if the order is a National Medical Support Notice completed partnership/; mycigna.com or by calling the toll-free telephone in accordance with the Child Support Performance and number on your ID card. The network consists of dental Incentive Act of 1998, such Notice meets the requirements practitioners, of varied specialties as well as general practice, above. contracted or affiliated with Cigna. The QMCSO may not require the health insurance policy to provide coverage for any type or form of benefit or option not HC-FED77 10-10 M otherwise provided under the policy, except that an order may require a plan to comply with State laws regarding health care coverage. Qualified Medical Child Support Order Payment of Benefits (QMCSO) Any payment of benefits in reimbursement for Covered Eligibility for Coverage Under a QMCSO Expenses paid by the child, or the child’s custodial parent or If a Qualified Medical Child Support Order (QMCSO) is legal guardian, shall be made to the child, the child’s custodial issued for your child, that child will be eligible for coverage as parent or legal guardian, or a state official whose name and required by the order and you will not be considered a Late address have been substituted for the name and address of the Entrant for Dependent Insurance. child. You must notify your Employer and elect coverage for that child, and yourself if you are not already enrolled, within 31 HC-FED4 10-10 days of the QMCSO being issued.
Effect of Section 125 Tax Regulations on This Plan Your Employer has chosen to administer this Plan in accordance with Section 125 regulations of the Internal Revenue Code. Per this regulation, you may agree to a pretax salary reduction put toward the cost of your benefits. Otherwise, you will receive your taxable earnings as cash (salary).
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A. Coverage Elections F. Changes in Coverage of Spouse or Dependent Under Per Section 125 regulations, you are generally allowed to Another Employer’s Plan enroll for or change coverage only before each annual benefit You may make a coverage election change if the plan of your period. However, exceptions are allowed if your Employer spouse or Dependent: incurs a change such as adding or agrees and you enroll for or change coverage within 30 days deleting a benefit option; allows election changes due to of the following: Change in Status, Court Order or Medicare or Medicaid the date you meet the criteria shown in the following Eligibility/Entitlement; or this Plan and the other plan have Sections B through H. different periods of coverage or open enrollment periods. B. Change of Status G. Reduction in work hours A change in status is defined as: If an Employee’s work hours are reduced below 30 hours/week (even if it does not result in the Employee losing change in legal marital status due to marriage, death of a eligibility for the Employer’s coverage); and the Employee spouse, divorce, annulment or legal separation; (and family) intend to enroll in another plan that provides change in number of Dependents due to birth, adoption, Minimum Essential Coverage (MEC). The new coverage must placement for adoption, or death of a Dependent; be effective no later than the 1st day of the 2nd month following change in employment status of Employee, spouse or the month that includes the date the original coverage is Dependent due to termination or start of employment, revoked. strike, lockout, beginning or end of unpaid leave of absence, H. Enrollment in Qualified Health Plan (QHP) including under the Family and Medical Leave Act The Employee must be eligible for a Special Enrollment (FMLA), or change in worksite; Period to enroll in a QHP through a Marketplace or the changes in employment status of Employee, spouse or Employee wants to enroll in a QHP through a Marketplace Dependent resulting in eligibility or ineligibility for during the Marketplace’s annual open enrollment period; and coverage; the disenrollment from the group plan corresponds to the change in residence of Employee, spouse or Dependent to a intended enrollment of the Employee (and family) in a QHP location outside of the Employer’s network service area; through a Marketplace for new coverage effective beginning and no later than the day immediately following the last day of the original coverage. changes which cause a Dependent to become eligible or ineligible for coverage. C. Court Order HC-FED70 12-14 A change in coverage due to and consistent with a court order of the Employee or other person to cover a Dependent. D. Medicare or Medicaid Eligibility/Entitlement Eligibility for Coverage for Adopted Children The Employee, spouse or Dependent cancels or reduces Any child who is adopted by you, including a child who is coverage due to entitlement to Medicare or Medicaid, or placed with you for adoption, will be eligible for Dependent enrolls or increases coverage due to loss of Medicare or Insurance, if otherwise eligible as a Dependent, upon the date Medicaid eligibility. of placement with you. A child will be considered placed for adoption when you become legally obligated to support that E. Change in Cost of Coverage child, totally or partially, prior to that child’s adoption. If the cost of benefits increases or decreases during a benefit If a child placed for adoption is not adopted, all health period, your Employer may, in accordance with plan terms, coverage ceases when the placement ends, and will not be automatically change your elective contribution. continued. When the change in cost is significant, you may either The provisions in the “Exception for Newborns” section of increase your contribution or elect less-costly coverage. When this document that describe requirements for enrollment and a significant overall reduction is made to the benefit option effective date of insurance will also apply to an adopted child you have elected, you may elect another available benefit or a child placed with you for adoption. option. When a new benefit option is added, you may change your election to the new benefit option. HC-FED67 09-14
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Group Plan Coverage Instead of Medicaid and your Dependents. They do not apply to any Life, Short- term or Long-term Disability or Accidental Death & If your income and liquid resources do not exceed certain Dismemberment coverage you may have. limits established by law, the state may decide to pay premiums for this coverage instead of for Medicaid, if it is Continuation of Coverage cost effective. This includes premiums for continuation For leaves of less than 31 days, coverage will continue as coverage required by federal law. described in the Termination section regarding Leave of
Absence.
HC-FED13 10-10 For leaves of 31 days or more, you may continue coverage for yourself and your Dependents as follows: You may continue benefits by paying the required premium to Requirements of Medical Leave Act of 1993 (as your Employer, until the earliest of the following: amended) (FMLA) 24 months from the last day of employment with the Employer; Any provisions of the policy that provide for: continuation of insurance during a leave of absence; and reinstatement of the day after you fail to return to work; and insurance following a return to Active Service; are modified the date the policy cancels. by the following provisions of the federal Family and Medical Your Employer may charge you and your Dependents up to Leave Act of 1993, as amended, where applicable: 102% of the total premium. Continuation of Health Insurance During Leave Following continuation of health coverage per USERRA Your health insurance will be continued during a leave of requirements, you may convert to a plan of individual absence if: coverage according to any “Conversion Privilege” shown in that leave qualifies as a leave of absence under the Family your certificate. and Medical Leave Act of 1993, as amended; and Reinstatement of Benefits (applicable to all coverages) you are an eligible Employee under the terms of that Act. If your coverage ends during the leave of absence because you The cost of your health insurance during such leave must be do not elect USERRA or an available conversion plan at the paid, whether entirely by your Employer or in part by you and expiration of USERRA and you are reemployed by your your Employer. current Employer, coverage for you and your Dependents may be reinstated if you gave your Employer advance written or Reinstatement of Canceled Insurance Following Leave verbal notice of your military service leave, and the duration Upon your return to Active Service following a leave of of all military leaves while you are employed with your absence that qualifies under the Family and Medical Leave current Employer does not exceed 5 years. Act of 1993, as amended, any canceled insurance (health, life You and your Dependents will be subject to only the balance or disability) will be reinstated as of the date of your return. of a waiting period that was not yet satisfied before the leave You will not be required to satisfy any eligibility or benefit began. However, if an Injury or Sickness occurs or is waiting period to the extent that they had been satisfied prior aggravated during the military leave, full Plan limitations will to the start of such leave of absence. apply. Your Employer will give you detailed information about the If your coverage under this plan terminates as a result of your Family and Medical Leave Act of 1993, as amended. eligibility for military medical and dental coverage and your
order to active duty is canceled before your active duty service commences, these reinstatement rights will continue to apply. HC-FED17 10-10
HC-FED18 10-10 Uniformed Services Employment and Re- Employment Rights Act of 1994 (USERRA) The Uniformed Services Employment and Re-employment Rights Act of 1994 (USERRA) sets requirements for continuation of health coverage and re-employment in regard to an Employee’s military leave of absence. These requirements apply to medical and dental coverage for you
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COBRA Continuation Rights Under Federal “Secondary Qualifying Events” and “Medicare Extension For Law Your Dependents” are not applicable to these individuals. For You and Your Dependents Secondary Qualifying Events What is COBRA Continuation Coverage? If, as a result of your termination of employment or reduction in work hours, your Dependent(s) have elected COBRA Under federal law, you and/or your Dependents must be given continuation coverage and one or more Dependents experience the opportunity to continue health insurance when there is a another COBRA qualifying event, the affected Dependent(s) “qualifying event” that would result in loss of coverage under may elect to extend their COBRA continuation coverage for the Plan. You and/or your Dependents will be permitted to an additional 18 months (7 months if the secondary event continue the same coverage under which you or your occurs within the disability extension period) for a maximum Dependents were covered on the day before the qualifying of 36 months from the initial qualifying event. The second event occurred, unless you move out of that plan’s coverage qualifying event must occur before the end of the initial 18 area or the plan is no longer available. You and/or your months of COBRA continuation coverage or within the Dependents cannot change coverage options until the next disability extension period discussed below. Under no open enrollment period. circumstances will COBRA continuation coverage be When is COBRA Continuation Available? available for more than 36 months from the initial qualifying For you and your Dependents, COBRA continuation is event. Secondary qualifying events are: your death; your available for up to 18 months from the date of the following divorce or legal separation; or, for a Dependent child, failure qualifying events if the event would result in a loss of to continue to qualify as a Dependent under the Plan. coverage under the Plan: Disability Extension your termination of employment for any reason, other than If, after electing COBRA continuation coverage due to your gross misconduct; or termination of employment or reduction in work hours, you or your reduction in work hours. one of your Dependents is determined by the Social Security Administration (SSA) to be totally disabled under Title II or For your Dependents, COBRA continuation coverage is XVI of the SSA, you and all of your Dependents who have available for up to 36 months from the date of the following elected COBRA continuation coverage may extend such qualifying events if the event would result in a loss of continuation for an additional 11 months, for a maximum of coverage under the Plan: 29 months from the initial qualifying event. your death; To qualify for the disability extension, all of the following your divorce or legal separation; or requirements must be satisfied: for a Dependent child, failure to continue to qualify as a SSA must determine that the disability occurred prior to or Dependent under the Plan. within 60 days after the disabled individual elected COBRA Who is Entitled to COBRA Continuation? continuation coverage; and Only a “qualified beneficiary” (as defined by federal law) may A copy of the written SSA determination must be provided elect to continue health insurance coverage. A qualified to the Plan Administrator within 60 calendar days after the beneficiary may include the following individuals who were date the SSA determination is made AND before the end of covered by the Plan on the day the qualifying event occurred: the initial 18-month continuation period. you, your spouse, and your Dependent children. Each If the SSA later determines that the individual is no longer qualified beneficiary has their own right to elect or decline disabled, you must notify the Plan Administrator within 30 COBRA continuation coverage even if you decline or are not days after the date the final determination is made by SSA. eligible for COBRA continuation. The 11-month disability extension will terminate for all The following individuals are not qualified beneficiaries for covered persons on the first day of the month that is more than purposes of COBRA continuation: domestic partners, 30 days after the date the SSA makes a final determination grandchildren (unless adopted by you), stepchildren (unless that the disabled individual is no longer disabled. adopted by you). Although these individuals do not have an All causes for “Termination of COBRA Continuation” listed independent right to elect COBRA continuation coverage, if below will also apply to the period of disability extension. you elect COBRA continuation coverage for yourself, you Medicare Extension for Your Dependents may also cover your Dependents even if they are not considered qualified beneficiaries under COBRA. However, When the qualifying event is your termination of employment such individuals’ coverage will terminate when your COBRA or reduction in work hours and you became enrolled in continuation coverage terminates. The sections titled Medicare (Part A, Part B or both) within the 18 months before
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the qualifying event, COBRA continuation coverage for your occurrence of a qualifying event, 44 days after the Dependents will last for up to 36 months after the date you qualifying event occurs; or became enrolled in Medicare. Your COBRA continuation in the case of a multi-employer plan, no later than 14 days coverage will last for up to 18 months from the date of your after the end of the period in which Employers must termination of employment or reduction in work hours. provide notice of a qualifying event to the Plan Termination of COBRA Continuation Administrator. COBRA continuation coverage will be terminated upon the How to Elect COBRA Continuation Coverage occurrence of any of the following: The COBRA coverage election notice will list the individuals the end of the COBRA continuation period of 18, 29 or 36 who are eligible for COBRA continuation coverage and months, as applicable; inform you of the applicable premium. The notice will also failure to pay the required premium within 30 calendar days include instructions for electing COBRA continuation after the due date; coverage. You must notify the Plan Administrator of your election no later than the due date stated on the COBRA cancellation of the Employer’s policy with Cigna; election notice. If a written election notice is required, it must after electing COBRA continuation coverage, a qualified be post-marked no later than the due date stated on the beneficiary enrolls in Medicare (Part A, Part B, or both); COBRA election notice. If you do not make proper after electing COBRA continuation coverage, a qualified notification by the due date shown on the notice, you and your beneficiary becomes covered under another group health Dependents will lose the right to elect COBRA continuation plan, unless the qualified beneficiary has a condition for coverage. If you reject COBRA continuation coverage before which the new plan limits or excludes coverage under a pre- the due date, you may change your mind as long as you existing condition provision. In such case coverage will furnish a completed election form before the due date. continue until the earliest of: the end of the applicable Each qualified beneficiary has an independent right to elect maximum period; the date the pre-existing condition COBRA continuation coverage. Continuation coverage may provision is no longer applicable; or the occurrence of an be elected for only one, several, or for all Dependents who are event described in one of the first three bullets above; qualified beneficiaries. Parents may elect to continue coverage any reason the Plan would terminate coverage of a on behalf of their Dependent children. You or your spouse participant or beneficiary who is not receiving continuation may elect continuation coverage on behalf of all the qualified coverage (e.g., fraud). beneficiaries. You are not required to elect COBRA continuation coverage in order for your Dependents to elect Employer’s Notification Requirements COBRA continuation. Your Employer is required to provide you and/or your How Much Does COBRA Continuation Coverage Cost? Dependents with the following notices: Each qualified beneficiary may be required to pay the entire An initial notification of COBRA continuation rights must cost of continuation coverage. The amount may not exceed be provided within 90 days after your (or your spouse’s) 102% of the cost to the group health plan (including both coverage under the Plan begins (or the Plan first becomes Employer and Employee contributions) for coverage of a subject to COBRA continuation requirements, if later). If similarly situated active Employee or family member. The you and/or your Dependents experience a qualifying event premium during the 11-month disability extension may not before the end of that 90-day period, the initial notice must exceed 150% of the cost to the group health plan (including be provided within the time frame required for the COBRA both employer and employee contributions) for coverage of a continuation coverage election notice as explained below. similarly situated active Employee or family member. A COBRA continuation coverage election notice must be For example: If the Employee alone elects COBRA provided to you and/or your Dependents within the continuation coverage, the Employee will be charged 102% following timeframes: (or 150%) of the active Employee premium. If the spouse or if the Plan provides that COBRA continuation coverage one Dependent child alone elects COBRA continuation and the period within which an Employer must notify the coverage, they will be charged 102% (or 150%) of the active Plan Administrator of a qualifying event starts upon the Employee premium. If more than one qualified beneficiary loss of coverage, 44 days after loss of coverage under the elects COBRA continuation coverage, they will be charged Plan; 102% (or 150%) of the applicable family premium. if the Plan provides that COBRA continuation coverage and the period within which an Employer must notify the Plan Administrator of a qualifying event starts upon the
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When and How to Pay COBRA Premiums (Also refer to the section titled “Disability Extension” for First payment for COBRA continuation additional notice requirements.) If you elect COBRA continuation coverage, you do not have Notice must be made in writing and must include: the name of to send any payment with the election form. However, you the Plan, name and address of the Employee covered under the must make your first payment no later than 45 calendar days Plan, name and address(es) of the qualified beneficiaries after the date of your election. (This is the date the Election affected by the qualifying event; the qualifying event; the date Notice is postmarked, if mailed.) If you do not make your first the qualifying event occurred; and supporting documentation payment within that 45 days, you will lose all COBRA (e.g., divorce decree, birth certificate, disability determination, continuation rights under the Plan. etc.). Subsequent payments Newly Acquired Dependents After you make your first payment for COBRA continuation If you acquire a new Dependent through marriage, birth, coverage, you will be required to make subsequent payments adoption or placement for adoption while your coverage is of the required premium for each additional month of being continued, you may cover such Dependent under your coverage. Payment is due on the first day of each month. If COBRA continuation coverage. However, only your newborn you make a payment on or before its due date, your coverage or adopted Dependent child is a qualified beneficiary and may under the Plan will continue for that coverage period without continue COBRA continuation coverage for the remainder of any break. the coverage period following your early termination of COBRA coverage or due to a secondary qualifying event. Grace periods for subsequent payments COBRA coverage for your Dependent spouse and any Although subsequent payments are due by the first day of the Dependent children who are not your children (e.g., month, you will be given a grace period of 30 days after the stepchildren or grandchildren) will cease on the date your first day of the coverage period to make each monthly COBRA coverage ceases and they are not eligible for a payment. Your COBRA continuation coverage will be secondary qualifying event. provided for each coverage period as long as payment for that COBRA Continuation for Retirees Following Employer’s coverage period is made before the end of the grace period for Bankruptcy that payment. However, if your payment is received after the due date, your coverage under the Plan may be suspended If you are covered as a retiree, and a proceeding in bankruptcy during this time. Any providers who contact the Plan to is filed with respect to the Employer under Title 11 of the confirm coverage during this time may be informed that United States Code, you may be entitled to COBRA coverage has been suspended. If payment is received before continuation coverage. If the bankruptcy results in a loss of the end of the grace period, your coverage will be reinstated coverage for you, your Dependents or your surviving spouse back to the beginning of the coverage period. This means that within one year before or after such proceeding, you and your any claim you submit for benefits while your coverage is covered Dependents will become COBRA qualified suspended may be denied and may have to be resubmitted beneficiaries with respect to the bankruptcy. You will be once your coverage is reinstated. If you fail to make a entitled to COBRA continuation coverage until your death. payment before the end of the grace period for that coverage Your surviving spouse and covered Dependent children will period, you will lose all rights to COBRA continuation be entitled to COBRA continuation coverage for up to 36 coverage under the Plan. months following your death. However, COBRA continuation coverage will cease upon the occurrence of any of the events You Must Give Notice of Certain Qualifying Events listed under “Termination of COBRA Continuation” above. If you or your Dependent(s) experience one of the following Interaction With Other Continuation Benefits qualifying events, you must notify the Plan Administrator within 60 calendar days after the later of the date the You may be eligible for other continuation benefits under state qualifying event occurs or the date coverage would cease as a law. Refer to the Termination section for any other result of the qualifying event: continuation benefits. Your divorce or legal separation; or Your child ceases to qualify as a Dependent under the Plan. HC-FED66 07-14
The occurrence of a secondary qualifying event as discussed under “Secondary Qualifying Events” above (this notice must be received prior to the end of the initial 18- or 29- Notice of an Appeal or a Grievance month COBRA period). The appeal or grievance provision in this certificate may be superseded by the law of your state. Please see your
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explanation of benefits for the applicable appeal or grievance Level One Appeal procedure. Your appeal will be reviewed and the decision made by someone not involved in the initial decision. Appeals
HC-SPP4 04-10 involving Medical Necessity or clinical appropriateness will V1 be considered by a Dentist in the field related to the care under consideration, under the authority of a Connecticut licensed
practitioner. The Following Will Apply To Residents For level one appeals, we will respond in writing to you or Of Connecticut your representative and the provider of record with a decision within 15 calendar days after we receive an appeal for a required preservice or concurrent care coverage determination When You Have A Complaint Or An (decision). If more time or information is needed to make a Appeal preservice or concurrent coverage determination, we will notify you in writing to request an extension of up to 15 For the purposes of this section, any reference to "you," "your" calendar days and to specify any additional information or "Member" also refers to a representative or provider needed to complete the review. designated by you to act on your behalf, unless otherwise noted; and "physician reviewers" are licensed Dentists You may request that the appeal process be expedited if, the depending on the care, treatment or service under review. time frames under this process would seriously jeopardize your life, health or ability to regain the dental functionality We want you to be completely satisfied with the care you that existed prior to the onset of your current condition or in receive. That is why we have established a process for the opinion of your Dentist would cause you severe pain addressing your concerns and solving your problems. which cannot be managed without the requested services; or Start with Member Services your appeal involves nonauthorization of an admission or We are here to listen and help. If you have a concern regarding continuing inpatient Hospital stay. Cigna's physician reviewer, a person, a service, the quality of care, or contractual benefits, in consultation with the treating Dentist, will decide if an you can call our toll-free number and explain your concern to expedited appeal is necessary. When an appeal is expedited, one of our Customer Service representatives. You can also Cigna Dental will respond orally with a decision to you and express that concern in writing. Please call or write to us at the your representative or provider within the lesser of: 72 hours following: after the appeal is received or two working days after the Member Services toll-free number or address that appears required information is received, followed up in writing. on your benefit identification card, explanation of benefits For level one appeals, we will respond in writing to you or or claim form. your representative and the provider of record with a decision We will do our best to resolve the matter on your initial within 30 calendar days after we receive an appeal for a contact. If we need more time to review or investigate your postservice coverage determination. concern, we will get back to you as soon as possible, but in Level Two Appeal any case within 30 days. If you are dissatisfied with our level one appeal decision, you If you are not satisfied with the results of a coverage decision, may request a second review. To start a level two appeal, you can start the appeals procedure. follow the same process required for a level one appeal. Appeals Procedure For postservice claim or administrative appeals, your request Cigna has a two-step appeals procedure for coverage must be received before the 14th calendar day following our decisions. To initiate an appeal, you must submit a request for certified mailing of the level one determination. All an appeal in writing within 365 days of receipt of a denial postservice claim or administrative appeals will be reviewed notice. You should state the reason why you feel your appeal and the decision made by someone who was not involved in should be approved and include any information supporting either the initial or the level one appeal decision. your appeal. If you are unable or choose not to write, you may Most requests for second reviews of Medical Necessity or ask to register your appeal by telephone. Call or write to us at clinical appropriateness issues will be conducted by the the toll-free number or address on your benefit identification Appeals Committee, which consists of a minimum of three card, explanation of benefits or claim form. people. Anyone involved in the prior decision may not vote on the Committee. The Committee will consult with at least one Dentist reviewer in the same or similar specialty as the care under consideration, as determined by Cigna's Dentist
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reviewer. You may present your situation to the Committee in the procedures to initiate the next level of appeal; any person or by conference call. voluntary appeal procedures offered by the plan upon request We will acknowledge in writing that we have received your and free of charge, a copy of any internal rule, guideline, level two postservice claim or administrative appeal. For level protocol or other similar criterion that was relied upon in two appeals involving Medical Necessity, we will write to you making the adverse determination regarding your appeal, and to schedule a Committee review. an explanation of the scientific or clinical judgment for a determination that is based on a Medical Necessity, If the level two appeal involves preservice and concurrent care experimental treatment or other similar exclusion or limit. coverage determinations, the level two review will be completed within 15 calendar days. If more time or Relevant Information information is needed to make the determination, we will Relevant Information is any document, record, or other notify you in writing to request an extension of up to 15 information which was relied upon in making the benefit calendar days and to specify any additional information determination; was submitted, considered, or generated in the needed to complete the review. course of making the benefit determination, without regard to For postservice claim or administrative appeals, the level two whether such document, record, or other information was appeal review will be completed no later than 60 calendar relied upon in making the benefit determination; demonstrates days after receipt of your original level one request for appeal, compliance with the administrative processes and safeguards unless you request an extension. If we receive a request for a required by federal law in making the benefit determination; level two postservice claim appeal on or after the 14th or constitutes a statement of policy or guidance with respect to calendar day following our certified mailing of the level one the plan concerning the denied treatment option or benefit or determination: it will be deemed as a request by you for an the claimant's diagnosis, without regard to whether such extension; and the 60-day review period will be suspended on advice or statement was relied upon in making the benefit the 14th day we receive no level two appeal, then resume on determination. the day we receive your level two appeal. HC-APL47 04-10 You or your representative and the provider of record will be V2 M notified in writing of the level two appeal review decision within five business days after the decision is made, and within the Committee review time frames above if the Definitions requested coverage is not approved. Active Service You may request that the appeal process be expedited if: the time frames under this process would seriously jeopardize You will be considered in Active Service: your life, health or ability to regain the dental functionality on any of your Employer's scheduled work days if you are that existed prior to the onset of your current condition or in performing the regular duties of your work on a full-time the opinion of your Dentist would cause you severe pain basis on that day either at your Employer's place of business which cannot be managed without the requested services; or or at some location to which you are required to travel for your appeal involves nonauthorization of an admission or your Employer's business. continuing inpatient Hospital stay. Cigna's physician reviewer, on a day which is not one of your Employer's scheduled in consultation with the treating Dentist will decide if an work days if you were in Active Service on the preceding expedited appeal is necessary. When an appeal is expedited, scheduled work day. Cigna Dental will respond to you and your representative or provider orally with a decision within the lesser of: 72 hours after the appeal is received or 2 working days after the HC-DFS1 04-10 required information is received, followed up in writing. V1 Notice of Benefit Determination on Appeal Every notice of a determination on appeal will be provided in Coinsurance writing or electronically and, if an adverse determination, will The term Coinsurance means the percentage of charges for include: the specific reason or reasons for the adverse Covered Expenses that an insured person is required to pay determination; reference to the specific plan provisions on under the Plan. which the determination is based; a statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to and copies of all documents, records, and HC-DFS122 04-10 other Relevant Information as defined; a statement describing: V1
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are available to married persons under federal law may not be Contracted Fee available to parties to a civil union. The term Contracted Fee refers to the total compensation level that a provider has agreed to accept as payment for dental HC-DFS235 04-10 procedures and services performed on an Employee or V2 M Dependent, according to the Employee's dental benefit plan. Employee HC-DFS123 04-10 The term Employee means an employee of the Employer as V1 determined by the plan sponsor.
Dentist HC-DFS7 04-10 The term Dentist means a person practicing dentistry or oral V3 M surgery within the scope of his license. It will also include a provider operating within the scope of his license when he Employer performs any of the Dental Services described in the policy. The term Employer means the Policyholder and all Affiliated Employers. HC-DFS125 04-10
V3 HC-DFS8 04-10 V1 Dependent
Dependents are: Maximum Reimbursable Charge - Dental your lawful spouse; and The Maximum Reimbursable Charge for covered services is any child of yours who is determined based on the lesser of: less than 19 years old. the provider’s normal charge for a similar service or supply; 19 or more years old and primarily supported by you and or incapable of self-sustaining employment by reason of the policyholder-selected percentile of charges made by mental or physical disability. Proof of the child's providers of such service or supply in the geographic area condition and dependence must be submitted to Cigna where it is received as compiled in a database selected by within 31 days after the date the child ceases to qualify Cigna. above. From time to time, but not more frequently than The percentile used to determine the Maximum Reimbursable once a year, Cigna may require proof of the continuation Charge is listed in The Schedule. of such condition and dependence. The Maximum Reimbursable Charge is subject to all other The term “child” means a child born to you or a child legally benefit limitations and applicable coding and payment adopted by you, including that child from the date of methodologies determined by Cigna. Additional information placement in your home if the child is dependent on you for about how Cigna determines the Maximum Reimbursable support and maintenance. It also includes a stepchild or a child Charge is available upon request. for whom you are the legal guardian and who resides with you as a member of your household. Benefits for a Dependent child will continue until the last day HC-DFS752 07-14 of the calendar month in which the limiting age is reached. V5 Federal rights may not be available to Civil Union partners or Dependents. Connecticut law grants parties to a civil union the same benefits, protections and responsibilities that flow from marriage under state law. However, some or all of the benefits, protections and responsibilities related to health insurance that
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Medicaid The term Medicaid means a state program of medical aid for needy persons established under Title XIX of the Social Security Act of 1965 as amended.
HC-DFS16 04-10 V1
Medicare The term Medicare means the program of medical care benefits provided under Title XVIII of the Social Security Act of 1965 as amended.
HC-DFS17 04-10 V1
Participating Provider The term Participating Provider means: a dentist, or a professional corporation, professional association, partnership, or other entity which is entered into a contract with Cigna to provide dental services at predetermined fees. The providers qualifying as Participating Providers may change from time to time. A list of the current Participating Providers will be provided by your Employer.
HC-DFS136 04-10 V1
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