Ways to save on your health care expenses

Not all Health Care is equal

Quality

Up to 98,000 avoidable deaths each year

18,000 fatal heart attacks due to lack of preventative medication

70% of chronic disease is reversible/preventable

Cost

Price varies widely, irrespective of quality

$1,319 difference: Full-term delivery at top performing hospital versus all others

$700-$1,000 difference: Cost for MRI in 10 mile radius

$1,000 difference: Annual cost for Nexium versus generic equivalent

Inconsistencies = barrier to improved health, lower cost

How we can help you improve your health

Choose Well, Live Well Personal Health Team is here to help you!

Specially trained Advocates including registered nurses, clinicians, EAP specialists, behavioral counselors and health educators that will help you improve your health.

Holistic approach to improving health and well being, coaching to healthy living/behaviors.

Will help you navigate the increasingly complex health care delivery system.

Call the number on the back of your ID card and select option 2.

Available from 9 am to 9 pm on weekdays. Also available on Saturday.

Considering Surgery?

Preference Sensitive Care Helps you make informed decisions about treatment for conditions where there may be

several options with the same anticipated positive outcomes

Supports your preferences and values in the decision-making process. We will send you decision support aids (videos/DVDs, brochures, online tools)

Available conditions Coronary Artery Disease

Low Back Pain

Hip/Knee Replacement

Prostate Cancer

Breast Cancer

Benign Uterine Conditions

Decision Support Content Providers

Employee Assistance

Assistance with legal or financial matters

child care, elder care, pet care, shopping services dealing with a life-threatening illness or a family member with a life-

threatening illness dealing with depression or drug abuse

unmanageable problems at work, in a relationship or in other key areas of

life

National Network of nearly 20,000 EAP specialists Psychologists Social workers Licensed master’s-level therapists

No copay or claims

1-3 visits

Onsite EAP services are also available on campus

Face-to-Face Assessments

Telephonic Coaching with the Choose Well, Live Well Personal Health Team

Tobacco Cessation Helps you develop a personalized plan to stop using tobacco Free nicotine replacement

Stress Management Helps you understand your stress triggers and learn ways to cope with them Free toolkit

Weight Management Helps you learn about and adopt healthy eating and exercise habits to help you lose

weight Free portion control plate, pedometer, tape measure and workbook

Telephonic and Online Coaching available The telephonic program, paired with a personal wellness coach will support you and

help you stay motivated Available for confidential one on one coaching and work on developing strategies for

making healthful, lifelong behavior changes. Prefer to learn online? Enroll in online coaching on myCIGNA.com. You receive

weekly emails with key learning themes, motivational information and tips.

Chronic Condition Management

Suffer from a chronic condition? We will help you manage your condition better. Information

provided over the phone and through the mail.Key Conditions: Asthma COPD Depression Diabetes Heart Disease Low Back Pain Osteoarthritis Peripheral Vascular Disease Weight Complications

How to save money when you need medical care

An ounce of prevention is worth a pound of cure

Get your preventative care exams When you schedule make sure you say you want your routine annual

exam or preventative care check-up When you check out, make sure they mark a wellness diagnosis

Take the Health Assessment on myCIGNA.com Use the Personal Health Record on

myCIGNA.com- check for interactions- prepare for your visit

Use the directory on myCIGNA.com- search for providers by quality and cost efficiency- look for the CIGNA Care Network designation- if you can, travel to larger cities with more competition

Saving money when you need care now

Urgent Care

Average Urgent Care Center Cost $71

Average Hospital ER Visit $1,400

Local Urgent Care Facilities

Sigma Med Express

Arnett Health Urgent Care Center

Unity Urgent Care

Note all costs are estimates and based on the contracted rates. The plan you have selected will determine what your copay or coinsurance rate.

Saving money when you need care now

Convenience Care Clinics

Average Convenience Care Clinic Cost $49

Average Hospital ER Visit $1,400

Local Convenience Care Clinic

CVS MinuteClinic

Not sure where to go? Call and speak with a nurse through the 24 Hour Health Information Line. The number is on the back of your ID card.

Saving money on your blood work

Spend 70-90% less on lab work by using a CIGNA preferred labs.

Average Mid America/LabCorp Cost $10Average Other Lab Cost (Arnett Lab) $60Average Hospital Lab Cost $139

CIGNA Preferred Labs Mid America Clinical Lab (Including PUSH) PA Labs Quest Diagnostics LabCorp

Note Copay and Incentive members will not pay anything as long as the lab is not done in the hospital. However, going to a CIGNA preferred lab will save the plan money.

Saving money when you need a MRI or CT scan

You can save hundreds of dollars by using an independent radiology center.

MRI or CT ScanAverage Independent Radiology Center $655Average Hospital MRI $1,410

Local Independent Imaging Providers

Open MRI/Indiana MRI

Innervision

Features• The Estimate is highly personalized; specific to…

• the health care professional • the treatment or service• the your benefits (as of today)

• Estimate includes key information you want to know:• What is the total cost of service or treatment?• Is there any anticipated CIGNA plan payment?• What is the bottom line (i.e, my out-of-pocket cost?)

Availability• Estimate can be generated pre-care (e.g., at scheduling) or

while you are in the office (before check in or at check out)• Available in all care settings, including high-dollar (i.e., facility,

elective surgery, etc.)

Find out how much services will cost before you have them with the CIGNA Cost of Care Estimator.Online tool that enables a health care professional to create an estimate of your payment responsibility

The Printed “Explanation of Estimate”

Easy-to-follow layout clearly shows the services being estimated and how benefits affect your bottom line

Features The Explanation of Estimate “does

the math” and shows what you can expect to owe

Easy to read format

Coming in June! CIGNA Cost of Care Estimator available on myCIGNA.com.

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Keep track of your expenses by using Quicken Health Expense Tracker on myCIGNA.com

What do I need to pay?

How can I pay now?

How can I getexplanations?

Where can I track my past expenses?

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3

4

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Understand what is owed Amount owed is highlighted; services and math are explained

See what you owe

Everyday language descriptions

Step by step math calculations

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2

3

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Get help when you need it

Receive guidance to act on your ownClaim Assistant helps illustrate what steps to take

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Pay your bills If all looks right, easily pay with any major credit or debit card

Pay with any majorcredit or debit card

myCIGNA Homepage

myCIGNA My Plans Page

Finding Quicken Health Expense Tracker

How to save money at the pharmacy

Saving money at the Pharmacy Always show your ID card (Medco or CIGNA) Use mail order for medicines you take every day Take your medication as prescribed Use a generic when available Be cautious of free samples Tell your doctor you can’t afford the drugs he/she is

prescribing Purdue Choice Fund members can enroll in Coach

Rx and receive text messages to remind you to take your medication

Use online tools to find lower cost alternatives www.mycigna.com www.medco.com

Save money at the Pharmacy when you have the Purdue Choice Fund Plan using the Prescription Quote Tool on myCIGNA.com

Pricing will display for up to 3 selected pharmacies.

CIGNA Tel-Drug pricing

is also provided.

Get real time price quotes and find lower cost alternatives

Pricing for lower cost alternative medications is also displayed

Get real time price quotes and find lower cost alternatives

Questions?