HEALTH PLANS & TOOLS

Eastman & Cigna – A healthy partnership!

Eastman partners with Cigna to bring health care benefits to you and your family. Eastman is self-insured, which means Eastman pays covered health care expenses that you don’t pay. Our partnership with Cigna means you receive quality support to help you achieve and maintain a healthy lifestyle.

Consumer Driven Health Plans

Eastman offers two Consumer Driven Health Plan (CDHP) options to our team members. CDHPs allow you to make decisions about your health care and the dollars you spend. It also includes access to your own Health Savings Account (HSA) that you can use to pay for eligible health care expenses now and in the future.

What Do the Two CDHPs Have in Common?

No matter which CDHP you select, each plan provides you with:
  • 100% coverage for In-network preventive care
  • Access to the Cigna network of doctors, hospitals, and negotiated fees
  • Coverage for in-network and out-of-network providers, with higher cost for out-of-network services
  • Coverage for medical and prescription drug services
  • A deductible you must meet before benefits are paid
  • Pharmacy expenses included go towards your deductible and out of pocket maximum
  • Protection from the expense of a high-cost illness or injury with an out-of-pocket maximum
  • The opportunity to save with the HSA

What Makes the Two CDHPs Different?

CDHP1

Lower deductible and out-of-pocket maximum with higher contributions than CDHP2.

CDHP2

Higher deductible and out-of-pocket maximum with lower contributions than CDHP1.

BENEFITS SUMMARY
CDHP1
In-Network Out-Of-Network
Annual Deductible Single $1,500 $3,000
Family $3,000 $6,000
Annual Out-of-Pocket Maximum Single $3,000 $6,000
Family $6,000 $12,000
BENEFITS SUMMARY
CDHP2
In-Network Out-Of-Network
Annual Deductible Single $2,500 $5,000
Family $5,000 $10,000
Annual Out-of-Pocket Maximum Single $5,000 $10,000
Family $10,000* $20,000*

 

*CDHP2 has an Individual Out-of-Pocket Maximum of $7,350. For CDHP2, no one individual will pay more than $7,350 (in-network) or $14,700 (out-of-network) toward the total family out-of-pocket maximum.

Payment for the CDHPs is through payroll deductions. Eligibility follows the Eastman eligibility rules as set forth in our plan documents.

Preventive care is fully covered at no cost to you when you receive care from in-network providers. This includes annual physicals, well-child checkups, immunizations, flu shots, well-woman exams and mammograms, and certain other cancer screenings, such as colonoscopies, in accordance with U.S. Preventive Task Force Recommendations. Some preventive medications are also covered at 100%. Click here to see the full list of preventive care services that may be available to you.

Flexible Spending Accounts (FSAs) can also help you manage costs. FSAs allow you to put aside pre-tax dollars to pay for specified eligible health care and dependent care expenses.

Eastman offers three different Flexible Spending Accounts (FSAs) – Limited Purpose FSA (LPFSA), Dependent Care FSA (DCFSA), and Health Care FSA (HCFSA). You elect the amount you wish to contribute to your FSA. The contribution amount is deducted in equal amounts from your pay throughout the year on a pre-tax basis, which reduces your taxable income.

You must use the contributions placed in an FSA for eligible expenses incurred during the year in which the contributions were made. For example, deductions from pay in 2018 must be used to pay for expenses incurred in 2018. The elections you make for each FSA remain in effect for the entire calendar year unless you experience a qualifying life event.

Under Internal Revenue Service (IRS) rules, you forfeit any unclaimed dollars in an FSA. You have until April 30 of the following year to submit claims for eligible expenses incurred from the previous year while you were a participant. For example, you have until April 30, 2018 to claim your 2017 expenses.

The list of eligible expenses is provided in IRS Publication 502 “Medical and Dental Expenses.” To review the publication, go to http://www.irs.gov/pub/irs-pdf/p502.pdf.


Limited Purpose FSA
The LPFSA is available if you are enrolled in a CDHP. The LPFSA can be used to pay for eligible dental and vision expenses. Once you meet your health plan deductible, you can use LPFSA funds for any qualified health care expenses; not just dental and vision.

Dependent Care FSA
The DCFSA can be used to pay for qualified dependent care expenses that allow you or your spouse to work or attend school full time. The IRS has established the rules for eligible expenses.

Health Care FSA
The HCFSA is only available if you do not enroll in an Eastman CDHP. You can use it to pay for eligible out-of-pocket medical, dental, and vision expenses.

Know before you go!

Part of keeping ahead of your health care cost is to know when you need pre-approval for certain procedures. Once you know the procedure, take a few minutes to find out whether or not you need precertification. Precertification is a determination on if your service/procedure is covered under your insurance.

Cigna Care Management is designed to help you access the services most appropriate for you. Through precertification and nurse care managers, Cigna can help you lower costs, avoid unnecessary procedures, and support your recovery, if needed.

Taking this one extra step will save you money in the long run. The rule of thumb: Know before you go!

If you have questions on what procedures require precertification or have questions about your coverage, visit myCigna.com or call the toll-free number on your Cigna ID card. You can also read about precertification here.

Get 24/7 access to on-demand health care services from physicians by phone and/or online.

Eastman is excited to partner with Cigna to bring you MDLIVE – a leading telehealth provider of online and on-demand health care services from physicians.

MDLIVE provides:

  • Immediate, on-demand 24/7/365 access to physicians
  • Affordable, quality, non-urgent care
  • A national network of licensed, board certified U.S.-based doctors including pediatricians
  • $42 fee per visit subject to deductible and/or coinsurance

MDLIVE 24/7 Phone Line: 1-888-726-3171

MDLIVE Customer Service: 1-800-400-MDLIVE (1-800-400-6354)

Via the Web: www.mdlive.com/Eastman

If you or your dependents enroll for coverage through Eastman, you do not need to purchase coverage for you or them through the public Marketplace.

Eastman’s medical plans meet or exceed the government requirements for affordable employee coverage and benefit value. If you are eligible for our coverage, it’s your choice to shop for coverage for you and your eligible dependents through the public Marketplace, but you generally won’t qualify for a government subsidy to help pay for Marketplace coverage.