Benefit Guide - Circles

MEDICAL BENEFIT INFORMATION

MEDICAL PLAN INFORMATION One Step Up will continue to offer a choice of three medical plans through Cigna. This allows us to implement coverage that maximizes benefit and lowers the cost to both the company and its employees. Visit Cigna.com to access important information related to your health plan:

• View claims status • View deductible and out - of - pocket maximums • Obtain your ID card

• Find a doctor • Access other important benefits information

OPEN ACCESS PLUS HIGH PLAN (OAP) - IN - NETWORK & OUT - OF - NETWORK BENEFITS Under this plan, you have coverage both In - Network and Out - of - Network. You can see any doctor you choose, you do not have to select a primary care physician (PCP), and you do not need referrals to access specialists. OPEN ACCESS PLUS MIDDLE PLAN and OPEN ACCESS PLUS LOW PLAN - IN - NETWORK ONLY BENEFITS For employees that are comfortable with a lower payroll deduction, we offer the OAPIN. This plan is an In - Network only plan, which eliminates the Out - of - Network option and becomes an effective alternative to consider when choosing the right medical plan for your needs. You do not need to select a primary care physician (PCP), and you do not need referrals to access a specialist. Utilizing In - Network providers saves money. Your out - of - pocket costs are lower because you are only responsible for set copays. If you go Out - of - Network, you will pay a greater share of the cost. The plan is subject to deductibles and coinsurance, and is subject to reasonable and customary (R&C) limits.

For additional information, please refer to your detailed plan summary. In the event of a discrepancy, the carrier Plan Document shall prevail.

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QUESTIONS? Call BenefitsVIP at 866.286.5354