NEW HEALTH INSURANCE CARRIER

Starting January 1, 2025, Research Foundation of CUNY health insurance will be provided by Cigna HealthCare.

ELIGIBILITY

Full-time and Part-time A employees assigned to a grant or contract-funded project with a duration period of 90 days or more are eligible for health and dental insurance. Full-time employees may enroll in Individual, Parent and Child(ren), Employee and Spouse, Family, or Domestic Partner coverage plans. Employees working on multiple concurrent Part-Time B appointments for a period of 90 days or more, where the total hours are equivalent to Full-Time or Part-Time A status, will be eligible for benefits based on the status equivalent of the total concurrent hours.

Part-Time A employees are solely eligible for Employee Only coverage on a pre-tax basis and have the option to directly purchase additional coverage on a post-tax basis through the Direct Pay Program. Dental insurance is available to Full-Time and Part-Time A employees who are enrolled in a health insurance plan.

Enrollment in health insurance is self-managed through the My Payroll and Benefits e-Service. The names, dates of birth and social security numbers of all individuals being enrolled in the plan (i.e. spouse, domestic partner, dependent child or children) are required to enroll.

CIGNA MEDICAL PLANS

CIGNA OPEN ACCESS PLUS (OAP): (PREVIOUSLY ANTHEM PREFERRED PROVIDER ORGANIZATION (PPO) PLAN)

The Cigna Open Access Plus (PPO Plan) does not require you to get a referral to see specialist whether in or out of the provider network. You may choose to receive care in or out of network, for medically necessary services. Prescription plan deductible applies to brand name and non-formulary prescription drugs. There is no deductible for generic drugs.

CIGNA OPEN ACCESS PLUS IN NETWORK ONLY (OAPIN): (PREVIOUSLY ANTHEM EXCLUSIVE PROVIDER ORGANIZATION (EPO) PLAN)

The Cigna OAP In-Network Only Plan (EPO Plan) is an in-network coverage plan which shares the same Cigna OAP network. All covered services must either be provided by the primary care physician or participating specialist. You do not need a referral to visit participating specialists. With this plan, except in cases of emergency, there are no out-of-network benefits or coverage.

CIGNA POINT-OF-SERVICE (POS) PLAN: (PREVIOUSLY ANTHEM POINT-OF-SERVICE (POS) PLAN)

The Cigna POS plan has a regional network of participating providers in NY and the tri-state area. Members can seek care in and out of the provider network. Physician referrals are not required and no deductibles apply to prescription drug plan.

SEARCH FOR PROVIDERS

Prior to January 1, 2025, you may search for Cigna OAP or Cigna POS Providers at www.cigna.com, by calling 800.Cigna24 (800-244-6224), or search the Provider List.

Starting January 1, 2025, you may also search for participating providers through www.myCigna.com or through the Cigna App.

CIGNA PRE-ENROLLMENT HOTLINE

Please call the Cigna Pre-Enrollment Hotline at 888-806-5042 to help answer all your questions, help you search for a provider, and more.

MEDICAL FORMS

Cigna’s easy to follow guide, has forward-thinking technology to answer questions, offer personalized advice and connect you to the right care. Using myCigna® and Cigna One Guide can help you stay in-network so you can maximize savings and avoid any higher out of pocket cost.

PREVENTIVE CARE

Preventive care, such as check-ups, biometric screenings and wellness screenings, is available at no additional cost to you, even virtually for maximum convenience. Get your screenings for blood pressure, cholesterol and diabetes, get tested for colon cancer, get your annual mammograms and Pap test, and stay up to date on your immunizations.

ACCESS VIRTUAL CARE

Conveniently connect with board-certified doctors, therapists, psychiatrists and specialists virtually or via phone.

24/7/365 Healthline

At no extra cost, you can speak to a clinician to make better informed decisions about your care. Whether it’s reviewing home treatment options, following up on a doctor’s appointment or finding the nearest urgent care center in your plan’s network, you can call the number on your Cigna Healthcare ID card, day or night.

MDLIVE

Access virtual primary care 24/7/365 even on weekends through MDLIVE. Preventive care check-ups/wellness screenings, routine care and specialist referrals are available at no cost and can help identify conditions early. Routine care visits allow you to build a relationship with the same primary care provider (PCP) to help manage conditions.

BEHAVIORAL SUPPORT

You will get access either in-person or virtually. There are 115K+ virtual providers, the largest network in the country. You also get access to 285K+ mental health and substance use providers.

CASE MANAGEMENT PROGRAMS

Cigna can help you to navigate complex medical conditions. Cigna’s trained teams can help you coordinate care, understand benefits and reach goals through online coaching. Get support while you seek treatment to help you control stress, lose weight and eat better, enjoy exercise, or quit smoking. Cigna will support you as you manage your diabetes, chronic obstructive pulmonary disease, asthma, and other conditions.

HEALTHY REWARDS

The Well-Being Solution takes the benefit of healthy decisions even further. You can earn healthy rewards incentives or Wellness Cash by completing eligible activities. Activities that are eligible include completing your health assessment and biometric screenings, getting your annual preventive care services, taking part in wellness activities including physical activity, nutrition, and sleep guide. Case management programs, Healthy Pregnancies, Healthy Babies, and Diabetes Prevention Programs may also qualify for rewards.

Prescription Benefit Plan

Your National Preferred Prescription Drug List includes a full range of drugs including all those required under applicable health care laws. To check which drugs are included in your plan, please log on to www.Cigna.com. Retail drugs for a 30-day supply may be obtained In-network at a wide range of pharmacies across the nation.  Standard pharmacy copays apply for Generic, Preferred brand, and Non-Preferred brand prescriptions.

Cigna 90 Now – Walgreens

You can choose to fill your medications in a 30- or 90-day supply. If you choose to fill a 30-day prescription, it can be filled at any network retail pharmacy or network home delivery pharmacy. If you choose to fill a 90-day prescription, it must be filled at a 90-day network retail pharmacy or network home delivery pharmacy to be covered by the plan. This plan will not cover out-of-network pharmacy benefits.

SaveOn Specialty Program

Certain specialty pharmacy drugs may be considered non-essential health benefits and may fall outside of the deductible and out-of-pocket limits. All drugs in this program are potentially subject to a higher cost share than amounts set forth above. If you participate in the program, cost share may be paid through a manufacturer copay assistance program and your out-of-pocket cost may be reduced to $0. If you do not participate in the program, then you will be responsible for the payment of the cost share for these medications and payment will not be applied towards your deductible and out-of-pocket maximums.

Simplify with home delivery medications. Through Express Scripts, you may take advantage of Cigna’s home delivery pharmacy. It is a convenient option when you’re taking medication on a regular basis. It’s simple, safe, and you can take less trips to the pharmacy.

Cigna’s pharmacy benefit includes dedicated 24/7 Pharmacy Support, a fully integrated website, and enhanced digital tools that allow members to price medication, find and compare costs across pharmacies, refill their home delivery and specialty pharmacy prescriptions, and much more. Contact the Express Scripts Pharmacy 24/7 Customer Care number at 800-282-2881.

CIGNA VISION

Vision Care services are covered by the plan on 24 months basis. Covered services include routine eye exams, eyeglass frames and eyeglass lenses (single, bifocal, or trifocal). For information about additional services covered under the plan, eye care providers, locations, or to access the system, call Cigna at 800-Cigna24 or 800.244.6224, online at www.cigna.com or after January 1, 2025 online at www.myCigna.com.

CIGNA DENTAL PPO PLAN

The Cigna Dental PPO Plan, also referred to as Cigna Advantage or Cigna Total Dental PPO will remain as the Foundation’s dental plan. Enrollment is automatic once enrolled in a RF health insurance plans.

Coverage – The Cigna Dental PPO plan is accepted by a large network of providers. You can go to any licensed dentist at any time. You do not need a referral to see a specialist. Network dentist or dental specialist can be found online at Cigna.com. Once enrolled you may go to your personalized website at myCigna.com. You may also call customer service at 800.Cigna24 (800.244.6224) and a representative will help you find a network dentist in your area.

24/7 Customer Service - For questions about Cigna coverage and enrollment, Cigna is available 24/7 by calling 800.564.7642.

Cigna Dental Wellness Plus - When you get preventive care, your annual dollar maximum increases the next plan year. This lets you build your annual dollar maximum for other

future needs. Your annual dollar maximum will grow each year up to the level listed in the plan documents. Preventive Care includes cleanings, oral exams, and x-rays

Cigna Dental Oral Health Integration Program - This program reimburses out-of-pocket costs for specific dental services used to treat gum disease and tooth decay. The program is for people with certain medical conditions that have been found to be associated with gum disease and cavities. Fill out the online registration form found on myCigna.com. You may also call the number on the back of your ID card to have an enrollment form sent to you. You only need to complete the form one time per qualifying condition. To learn more call 800.Cigna24 (800.244.6224)

Brighter Score - This online tool may be used to compare dentists. Each dentist is given a score based on things like affordability, patient experience and professional history. Find detailed information to compare dental offices. View dentist profiles with photos and videos. Read verified patient reviews. Write your own review after your appointment. Search for a dentist by service. Information is personalized for your specific plan. Shows price with coinsurance and deductibles.

Return to top