Medical
Benefits Enrollment & Changes
You may enroll in benefits during your first 31 days of full-time employment. However, once elections have been submitted, you are unable to make changes even if you are still within your 31-day enrollment window. You may also make changes to current coverage within 31 days of the date you experience a qualified change in status or change coverage during the annual open enrollment period. Open Enrollment is typically held November 1 – 15 each year, and elections made during this period become effective January 1 of the next calendar year.
Medical / Cigna
Changes for 2024:
Change in medical plan rates
Women’s pelvic health therapy program added to Hinge Health
This medical plan is a Consumer Driven Health Plan (CDHP), with a Health Savings Account (HSA) utilizing the Cigna Open Access Plus Network. With this plan, you can utilize the service of almost any provider. However, benefits are greater when you use in-network (Open Access Plus) providers, hospitals, and facilities.
Not yet enrolled in a Cigna plan, but have questions? Call the Cigna pre-enrollment line at 888.806.5042.
Each year, Maritz partners with third-party consultants to negotiate the lowest possible renewal rates and compare our benefit plans, coverages and premiums to similar employers in the marketplace. Overall, our costs are increasing by roughly 6.8%, which is lower than the average for 2024. Please refer to the chart below for the rates established for all coverage tiers for the 2024 Plan Year.
We attribute our lower-than-average increase for 2024 to our employees being good consumers of healthcare and consistently seeking out the best care at the lowest cost. Continue to use the cost comparison tools available to you in an effort to fight the increasing cost of health care (see Healthcare Bluebook page of this website for more information).
Identity Force
When you enroll in the medical plan, you have access to identity theft protection through Cigna’s Identity Force at no additional cost to you and your enrolled dependents under 18 years old. Click here for details.
Cigna Employee Assistance Program (EAP)
As a Cigna member, you have access to work/life resources, and licensed clinicians to help you cope with a wide variety of concerns, from family and financial issues to substance use, emotional health, and stress. You are eligible for up to 3 visits at no cost. To find a Cigna EAP, login to MyCigna.com, click Employee Assistance Program (EAP) under the Coverage tab or call Cigna at (800) 244-6224.
Plan Rates
|
Coverage Tier |
Semi-Monthly Premium Without Well Credit
|
Eligible Well Credit |
Semi-Monthly Premium With Well Credit |
||
|
2023 |
2024 |
2023 |
2024 |
||
|
Employee Only |
$90.54 |
$96.72 |
$25 |
$65.54 |
$71.72 |
|
Employee + Spouse |
$291.72 |
$311.64 |
$50 |
$241.72 |
$261.64 |
|
Employee + Child |
$216.60 |
$231.39 |
$25 |
$191.60 |
$206.39 |
|
Employee + Family |
$355.50 |
$379.78 |
$50 |
$305.50 |
$329.78 |
Please note that the well credit and the total premium will be listed as separate line items on your paycheck. The well credit will be listed in the earnings portion of your paycheck, and the premium will be listed in the deductions section of the paycheck. Read below for additional information.
Well Credit
Employees hired on or before May 31: By participating in a biometric screening you can earn up to a $600 Well Credit each year. Your spouse can also earn up to a $600 Well Credit if they’re enrolled in the Maritz medical plan. Screenings must be completed between June 1st and September 30th. If you are unable to reach one of the goals, you can still earn the full Well Credit by completing two Coaching sessions with Virgin Pulse by November 30th. Additional information can be found on the Wellness Page.
Hire date, status change, or life event after May 31: You and your spouse (if enrolled in the medical plan) will automatically receive the full Well Credit for the remainder of the current calendar year and for the following calendar year.
Plan Limits
|
Annual Limits |
Open Access Plus Network |
Out-of-Network |
|
Calendar Year Deductible |
$2,000 single coverage/$4,000 all other coverage tiers |
$3,000 single coverage/$6,000 all other coverage tiers |
|
Maritz HSA Contribution |
$125 per quarter up to $500 max per year for single coverage $250 per quarter up to $1,000 max per year for all other coverage tiers |
|
|
Out-of-Pocket Maximum Includes calendar year deductible and coinsurance paid by employee |
$4,000 per individual/ $8,000 per family |
$6,000 per individual/ $12,000 per family |
Plan Summary
|
Description of Service |
Plan Pays In-Network (after the annual deductible is satisfied) |
Plan Pays Out-of-Network (after the annual deductible is satisfied) |
|
Routine Preventive Care |
100% (deductible is waived for preventive care) |
Not Covered |
|
Physician Care Office visit, surgery, diagnostic x-ray or lab, inpatient visit by physician, or nervous/mental/chemical dependency |
80% |
60% |
|
Physical Therapy |
80% up to 60 days per calendar year |
60% up to 60 days per calendar year |
|
Chiropractic Care |
80% up to 30 days per calendar year |
60% up to 30 days per calendar year |
|
Hospital Inpatient, outpatient, emergency room, urgent care, nervous or mental/chemical dependency, hospice |
80% |
60% |
|
Skilled Nursing Facility |
80% up to 120 days per calendar year |
60% up to 120 days per calendar year |
|
Home Health Care |
80% up to 100 days per calendar year |
60% up to 100 days per calendar year |
|
Hearing Aids |
80% up to $1,000 per calendar year |
60% up to $1,000 per calendar year |
|
Prosthetic Devices, Appliances, Durable Medical Equipment (initial purchase or rental) |
80% |
60% |
Second Opinion Program
Cigna health plan members have online access to the MyConsult® Cleveland Clinic Second Opinion program. In this program, Cleveland Clinic physician experts review medical records and diagnostic test results and render an online medical second opinion that includes treatment options or alternatives and recommendations regarding future therapeutic considerations for over 1,200 diagnoses. These diagnoses can include conditions that impact your qualify of life or conditions that may be more serious. Getting a second opinion from MyConsult® can provide you with the education, confidence, and peace of mind that you are making the right choice for your health, or that of a loved one, without having to leave the comfort of home. These second opinions are provided at no cost to all eligible participants.
To get started, log in to Cleveland Clinic's Second Opinion for Cigna webpage.
Create your log-in (name, email address and password)
Complete your Profile
Select Check Insurance
Select Cigna
Enter your subscriber ID
Select Yes or No to answer if you are the subscriber
Service Key enter ‘Cigna’
Once you have submitted your opinion request, you may check on the status by logging on to the secure website. In addition, you will be notified by email when your online medical second opinion is ready for your review.
Questions? Contact the MyConsult® Clinical Operations Office:
Email: myconsult@ccf.org
Phone: 1.800.223.2273 ext. 43223
Healthy Pregnancies, Healthy Babies®
Cigna Healthy Pregnancies, Healthy Babies® program provides expectant mothers with the information and support they need to optimize their chances of having a healthy, full-term pregnancy. This program helps to prevent high-risk pregnancy and premature births through early risk detection and on-going monitoring and coaching. Once a member enrolls in the program, a Cigna pregnancy specialist interviews the expectant mother to understand her history. Links are provided to maternity information and resources, and a pregnancy workbook is provided to keep the coach and mom in sync. Enrolled members have access to unlimited coaching calls which provide caring support, so that mom, her OB/GYN, and Cigna can work together for a successful outcome.
But wait - there’s more! To inspire and motivate moms to do everything possible to care for themselves during pregnancy, those who enroll will receive incentives delivered via Motivate Me, an integrated platform on MyCigna.com and Cigna Healthy Pregnancy™ App, once they complete the program. Members who enroll during the first trimester of pregnancy will receive a $150 incentive upon completion of the program, and members who enroll during the second trimester of pregnancy will receive a $75 incentive upon completion of the program. The incentive dollars can be redeemed for various gift cards available through the Motivate Me platform on MyCigna.com and Cigna Healthy Pregnancy™ app.
To get started, call Cigna at the number on the back of your ID card.
At-Home Physical Therapy
Cigna health plan members will have access to Hinge Health, a 12-week coach-led digital at-home exercise and physical therapy program for chronic back and joint pain. Therapy programs for women’s pelvic health are being added beginning 1/1/2024. Members interested in the program should go to hingehealth.com/maritz or call 855.902.2777 and complete the online screening process to see if you qualify. Once approved for the program, you will be provided with a free tablet and wearables, unlimited health coaching and personalized exercise therapy. You will also receive help with weight loss and low mood, which contribute to chronic pain.
Preventive, acute, and chronic pain therapy programs are available, as well as therapy following surgery.
There is no cost to the member for this program.
Lifestyle Change Program
Omada® is a digital lifestyle change program that can help you lose weight, feel fantastic, and develop long-term healthy habits.
Omada includes:
An interactive program to guide your journey
A wireless smart scale to monitor your progress
Weekly online lessons to empower you
A professional Omada health coach to keep you on track
Small online group of participants to keep you engaged
More great news: You’ll receive the program at no additional cost if you or your adult family members (18 or older) are enrolled in the Maritz medical plan offered through Cigna, are at risk for diabetes, and are accepted into the program.
Take Omada’s 1-minute health screener to see if you’re eligible: Maritz Omada Program Website