Reply to Email update about health insurance change

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[quote=Anonymous][quote=Anonymous]From MCPS today:

https://www2.montgomeryschoolsmd.org/siteassets/district/departments/ersc/employees/news/qa_about_cigna_medical_plans_in_2023.pdf

Employee and Retiree Service Center (ERSC)
Questions and Answers About Cigna Medical Plans in 2023

Q: I heard that Cigna is only available in 13 states. As a retiree living out of state, I am very concerned that I won’t have access to covered medical care if I choose
Cigna. Is my concern justified?
A: As an employer-provided plan, the Cigna medical plans offered through MCPS will be available to our retirees living in any of the 50 states. Cigna is only available in 13 states to individuals whose coverage is provided through the Affordable Care Act state exchanges.

Q: What if I need to reach Cigna’s customer service on a weekend?
A: Cigna will offer 24/7 customer service support.

Q: I have been seeing the same doctor for more than 10 years. Will I have to switch doctors if covered by Cigna?
A: In most cases, you will not need to switch doctors. Cigna has a nationwide network of providers and will provide in-network coverage of between 92-95 percent of providers currently being used by MCPS employees and retirees. There are, however, a small number of in-network CareFirst medical providers who will not be considered in-network with Cigna.

Q: Is it true that Cigna’s in-network plan doesn’t have enough mental health providers in Montgomery County to cover the need?
A: Cigna has more than 900 mental health providers who provide in-person care in Montgomery County. In addition, there are approximately 2,000 mental health providers who provide care virtually.

Q: Does Cigna cover cancer treatment?
A: Cigna covers cancer treatment, including care at 20+ National Institutes of Health-based cancer care sites.

Q: Will my college-aged children have medical coverage if they attend a college out of state?
A: Yes, since Cigna is available in all 50 states, they will be covered within the United States. The only exception is if they choose to study outside of the United States.

Q: Is it true that Cigna doesn’t have Medicare doctors?
A: No insurance plan has Medicare doctors. Doctors choose whether or not to accept Medicare. If they accept Medicare, all Medicare Supplemental plans will be accepted, including Cigna’s.

Q: Does Cigna have a pre-existing condition coverage exclusion?
A: No, they do not. The Affordable Care Act doesn’t allow pre-existing condition exclusions.

Q: A coworker told me that Cigna’s in vitro fertilization (IVF) benefit is more limited than CareFirst’s. I had planned to have IVF next year. What coverage can I except with Cigna?
A: You can expect the same IVF coverage with Cigna that you would have had with CareFirst.[/quote]

I would like to believe this. It goes against all logic that we’re going to get the same benefits for less cost (to the county, I am sure our individual cost will not go down).[/quote]

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