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Detailed Table of Contents |
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| Index | |
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Introduction
Who Is Eligible
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Enrolling for Coverage
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Program Premium Cost
| Determining an Annual Premium for You and Your Spouse/Domestic Partner |
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Your Rights and Responsibilities
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How the Retiree Group Health Program Works
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| Retiree Group Health Program Design – Mental Health and Substance Abuse Program |
| A Summary Chart of the Retiree Group Health Program – CIGNA Open Access Plus |
| A Summary Chart of the Retiree Group Health Program – CIGNA Indemnity |
| A Summary Chart of the Retiree Group Health Program – CIGNA Post-65 Medicare |
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| What Is an Expense That May Be a Covered Expense – Medical Program |
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| What Expense is Excluded From Being a Covered Expense – Medical Program |
| What Is an Expense That May Be a Covered Expense – Mental Health and Substance Abuse Program |
| What Expense is Excluded From Being a Covered Expense – Mental Health and Substance Abuse Program |
How the Prescription Drug Program Works
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| What Is an Expense That May Be a Covered Expense – Prescription Drug Program |
| What Expense Is Excluded From Being a Covered Expense – Prescription Drug Program |
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| How to Fill Your Prescriptions through the Mail Service Pharmacy |
Your Legal Right to Continuation Coverage
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Coordinating Benefits With Other Programs
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How to File a Claim
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ERISA Claims and Appeals Procedures
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Situations Affecting Your Benefits
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| Right to Reimbursement, Assignment of Rights, and Duty to Notify |
Administrative and Contact Information
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Special Rules for Certain Participants
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| Wallace, Litho, Nielsen Retiree Group (retired on or after January 1, 2004) |
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| Skilled Nursing Facility/Inpatient Rehabilitation Facility Services |
| Spinal Treatment, Chiropractic, and Osteopathic Manipulative Therapy |
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| Experimental or Investigational Services or Unproven Services |
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Your ERISA Rights
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Retiree Medical, Prescription Drug and Mental Health and Substance Abuse Programs - Moore Wallace
How the Retiree Group Health Program Works
Retiree Group Health Program Design – Medical Programs
Emergency Care
Regardless of which Medical Program you elect, in a true medical emergency:
 | You or your spouse/domestic partner can go to any emergency facility or hospital, even one that is not participating in the CIGNA HealthCare network. You or your spouse/domestic partner does not need authorization for emergency care. |
| If you or your spouse/domestic partner goes to a hospital or a facility that does not contract with CIGNA HealthCare, you may have to pay the full cost of the emergency care, then file a claim for reimbursement. |
| Call the claims administrator at the phone number listed on your medical ID card if you or your spouse/domestic partner has questions about submitting your claim. |
| If you or your spouse/domestic partner receives emergency care at an out-of-network facility (applicable for the CIGNA Open Access Plus option) and the Medical Program does not consider your condition to be a true emergency, you may be responsible for additional costs associated with your claim. |
