|
|
Furman Home Page / Faculty & Staff
Insurance Needs
 | | |
Insurance Needs: What to do?
What do you do if you:
Need Health Care Services:
- Contact the appropriate physician for an appointment. Your medical insurance pays more when you use an "in-network" physician. A listing of "in-network" physicians, specialists, and facilities is available on Cigna's website www.mycigna.com or click Cigna below.
- Take your health card with you on your visit and pay your co-pay. In-network doctors will file your insurance information for you.
- If you require surgery or an in-patient hospital stay, you or your physician must pre-certify the treatment or you will be penalized up to $500 on your charges. Call 1-800-251-0669 to pre-certify.
Need more information?
Need Prescription Drugs:
- Take your prescription card to one of the national chain drug stores that accepts Cigna insurance. You can get up to a 30-day supply. You pay the co-insurance amount and the pharmacy will file the insurance information for you.
- If you have an on-going prescription, you may get a 90-day supply by using the mail order service. You pay a co-insurance amount equal to a two month supply (a one month savings) and complete the mail order prescription form available in Human Resources.
Need more information?
Need Eye Exams and Glasses/Contacts:
- You will receive a discount for your annual eye exam and prescribed glasses or contacts by using the doctors at LensCrafters, Gosnell-Chapman Vision Care at Cherrydale or on mycigna.com using the Healthy Rewards Program with vision discounts if you have CIGNA medical. Annual eye exams and glasses/contacts are not covered by your medical insurance.
Need more information?
Anticipate Having Medical Expenses Beyond Co-Pays:
- During open enrollment in November, estimate the expenses you will pay during the next calendar year and complete a form for the 125 Medical Reimbursement Plan. Forms are available on-line. An amount will be deducted from your pay check before taxes are calculated.
- Obtain receipts to show your out-of-pocket costs for your medical expenses and file them with EZ Flex (forms on-line). You will receive a check or a direct deposit to reimburse you for the expenses.
- Your receipts must match or exceed your annual costs to obtain all of your reimbursement. If your expenses are less than your deductions, you will lose the difference.
Need more information?
Your Child Decides to Go to College :
- If your child is covered by your medical or dental insurance, you need to get a statement from the college or university's Registrar's Office stating that your child is enrolled on a full-time basis. This proof of enrollment is required each year.
- Tuition Benefits are available for dependents of full-time faculty and staff. See Human Resources or Financial Aid for details. There are three options:
- Furman University: full tuition scholarships will be granted to dependents of full-time faculty or staff who meet the admission requirements for the undergraduate or graduate programs. Forms are available in Financial Aid.
- Tuition Exchange: full tuition exchanges are available to dependents of full-time faculty or staff through the Associated Colleges of the South and the Tuition Exchange, Inc. Forms are available in Financial Aid.
- A cash tuition scholarship is provided to dependents of full-time faculty or staff who attend an accredited undergraduate two-year or four-year college or university. An application must be filed each year (or term at two-year schools). Forms are available in Human Resources.
Need more information?
Your Child Reaches the Dependent Age Limit (19 or 25):
| Limit: |
19 years old or under 25 years old if documentation is provided to show attendance at a licensed or accredited school on a full-time basis. Special provisions are made for mentally or physically challenged children. |
|
- Let Human Resources know that your child has reached the dependent age limit and whether or not you intend to continue insurance coverage. You need to notify Human Resources within 30 days of the birthday.
- If you do not continue coverage, remove your dependent by completing forms available in Human Resources.
- If you want to continue coverage, and your child is attending school on a full-time basis, obtain a letter from the college or university registrar's office. This proof of enrollment is required each year.
- If you want to continue coverage and your child will not be attending school full-time, you may elect to continue the insurance coverage under COBRA for your unmarried child by paying an additional premium and completing a form available in Human Resources.
Need more information?
|
|
