So how do you decide which plan design is the best one for you and your family? You should consider how much health care you think you may need during the next year, taking into account the health status of your family. Is there anyone with a chronic illness? Are there any upcoming surgery needs? If your doctor is not in a network, are you willing to change?Then you should estimate your out-of-pocket costs under each plan. Although there are restrictions on which providers you can use under the HMO plan, you will pay less out-of-pocket expenses when you use this plan. However, when these costs are combined with the higher monthly employee premium cost, your total expense for the year may be higher than your expenses under the PPO plan.We will have an online tool available later in the year that will help you make these price comparisons between our new Aetna plans.This concludes the Health Care Basics presentation. We've covered a lot of information on how health care plans work. You should be sure to read your plan's Summary of Coverage booklet because each plan may work differently. It is important to know how your specific plan works in order to get the maximum benefit from your health care coverage.
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.
