Medical Coverage: Cigna Network
Administered by Vault Admin Services
Comprehensive and preventive healthcare coverage is important in protecting you and your family from the financial risks of unexpected illness and injury. A little prevention goes a long way—especially in healthcare. Routine exams and regular preventive screenings provide a no-cost review of your health, if you use an in-network provider. Small problems can potentially develop into large expenses. By identifying the problems early, often they can be treated at little cost.
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The GoMacro medical plans have set copays for some services and a deductible and coinsurance for others. Copays do not apply toward your deductible, so you will pay copays until you reach your annual out-of-pocket maximum. GoMacro plans cover 100% of the cost for preventive care services like annual physicals and routine immunizations.
Your Network
Your primary medical network is Cigna. Your medical network is a group of health care providers that includes doctors, specialists, hospitals, surgical centers and other facilities. These health care providers provide services at a lower rate, which you will see reflected on your statements as a discount.
There may be times when you decide to visit a doctor who is out-of-network, and those costs are always higher. There are no discounts with these out-of-network services, and you will be responsible for paying the difference between the providers full charge and the amount your plan will pay. This is called balance billing.
Cigna provides a provider lookup tool. Visit the Vault Admin Services Portal for additional information.
https://hcpdirectory.cigna.com/web/public/consumer/directory/search
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Q. Is this Cigna insurance?
A. No, we utilize the Cigna network for the contracts with physicians and facilities to allow you to access its broad network.
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Q. Will I get an insurance card?
A. Yes. You will receive an ID card with the Cigna logo on it signifying that you have access to the Cigna network.
