Benefit Guide - People

MEDICAL BENEFITS INFORMATION

MEDICAL PLAN INFORMATION Hunter Strategy 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

HSA OPEN ACCESS PLUS BASE and BUY - UP: - IN - NETWORK & OUT - OF - NETWORK BENEFITS A Health Savings Plan (HSA) is a savings account designed to help you pay for health care expenses with some significant tax savings. Under this plan, you have coverage both In - Network and Out - of - Network. 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. 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. The HSA works with a High Deductible Health Plan (HDHP). You can use your HSA to pay for eligible health care expenses until you reach your deductible. It helps you save on health care and save for retirement. Every dollar you put into an HSA is pre - tax (you pay no taxes on it). You don't pay any taxes when you take money out either, as long as you use it for eligible health - related expenses. You can use your HSA for eligible health care expenses until you reach your plan's deductible amount. After that, you can use your HSA for coinsurance or copays until you reach your maximum annual Out - of - Pocket limit. You own your HSA Account; therefore , if your employment with Ruder Finn ends, any balance of funds in your account is yours to take with you.

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

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