Let's walk through some examples showing how the plans actually work.You have had a sore throat and felt run down for over a week and think you need to see your doctor. You see your doctor and after consultation, he or she thinks you also need to have blood work done.
If you belong to an HMO, you make your appointment with your PCP. At your visit, you will pay your office visit co-pay of $15. During the office visit, the doctor swabs your throat for a throat culture. The associated lab work will be included in your office visit co-pay. The doctor then sends you to an outside lab to have blood drawn for additional lab tests. You go directly to the HMO network lab and have your blood work drawn. There are no additional co-pays. Once you have paid your co-pays, there are no other charges; the plan pays 100 percent co-insurance. Your total costs for the office visit plus lab work is $15.
In a May 4 letter to all full-time, benefits-eligible employees, CEO Gary Pruitt announced that McClatchy’s dental plan provider will change from Delta Dental to CIGNA in 2008.
Two dental plan options will be offered. One plan will cover preventive care only and the other provides for more comprehensive coverage. Both plans use the CIGNA Dental PPO network.
You can search online at the CIGNA website to see if your dentist is in the network. Click on the “Find doctors or dentists by specialty” link in the lower middle portion of the homepage. Select the “Dentist” option below the bolded question “What Type of Provider are you looking for?” On the following page, where CIGNA asks you to “Select your dental plan,” choose the “Managed care plan with open access to dentists for the CIGNA Dental PPO.”
If your dentist is not in the network, you can request CIGNA to recruit your dentist by downloading and submitting the nomination form. CIGNA will actively reach out to all dentists nominated by McClatchy employees.
HealthWorks News
Provider Search/DocFind
Look up local doctors and hospitals in Aetna's DocFind website that has been specially customized for McClatchy employees. Nominate a physician to join Aetna's network.
Aetna Pharmacy
Find out if a drug you are taking is on McClatchy's drug formulary. You can research medications, refill prescriptions online, and learn how drugs interact at Aetna's pharmacy site.
Wellness Center
Read the latest national health news plus information and interactive features on workplace health, fitness, sports medicine, disease and more.
Medical Plan eValuator
Determine which Aetna plan is the best fit for your budget, lifestlyle and health care needs.
Aetna Navigator
Track your claims, request ID cards, compare hospitals in this around-the-clock, self service website for Aetna members.
Health Risk Assessment
Aetna's "Simple Steps to a Healthier Life" website offers a secure, personalized, health and wellness program for Aetna members. Begin by taking the Health Risk Assessment, a questionnaire designed to help identify some of your health needs.
If you belong to an HMO, you make your appointment with your PCP. At your visit, you will pay your office visit co-pay of $15. During the office visit, the doctor swabs your throat for a throat culture. The associated lab work will be included in your office visit co-pay. The doctor then sends you to an outside lab to have blood drawn for additional lab tests. You go directly to the HMO network lab and have your blood work drawn. There are no additional co-pays. Once you have paid your co-pays, there are no other charges; the plan pays 100 percent co-insurance. Your total costs for the office visit plus lab work is $15.