2020 Benefits Annual Enrollment Expat AE... · • Print and order ID cards • Find a doctor or hospital • View explanation of benefits • Opt-out of explanation of benefits in

2020 Benefits Annual Enrollment

Virtual Q&A Session

If the content of this presentation or any representations made by any person regarding the plans conflict with or are inconsistent with the provisions of the plan documents, the provisions of the plan documents are controlling. To the fullest

extent permitted by law, Caterpillar Inc. reserves the right to amend, modify, suspend, replace or terminate any of its plans, policies or programs, in whole or in part, at any time and for any reason, by appropriate company action.

Please note that Caterpillar policy does not allow for All-Employee Meetings or other meetings to be recorded with smartphones or other devices unless specific

approvals have been sought and granted prior to the beginning of the meeting.

• Welcome and Introductions

• 2020 Cigna Global Benefits Overview

• Cigna Network and Accessing Providers

• Cigna Envoy: Online & Mobile App

• Payment Options, Claim Submission & Reimbursements

• Cigna Customer Service Available 24/7/365

• Contact Details

• Q&A

Agenda

4

Benefits at a Glance

Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2018 Cigna


MEDICAL PLAN Expat

6

Plan Feature International In-Network US Out of Network US

Lifetime Maximum Benefit Unlimited

Coinsurance 100% of covered expenses 80% of covered expenses 50% of covered expenses

Deductible$0 Individual$0 Family

$500 Individual$1,000 Family

$500 Individual$1,000 Family

Out-of-Pocket Maximum(includes the deductible)

$0 Individual$0 Family

$2,300 Individual$4,600 Family

$4,600 Individual$9,200 Family

Doctor / Specialist Office Visits 100% 80% after deductible 50% after deductible

Prescription Drug Benefit 100%

Generic: 20% not subject to deductible

Brand Name: 20% not subject to deductible

Generic: 50% after deductible

Brand Name: 50% after deductible

Child Preventive Care Services 100% of covered expenses 100% of covered expenses 50% of covered expenses

Adult Preventive Care Services 100% of covered expenses 100% of covered expenses 50% of covered expenses

Emergency Care100% after deductible 80% after deductible 80% after deductible (unless

not true emergency then 50%)


DENTAL PLANPlan Feature Benefit

Classes I, II, III CombinedCalendar Year Maximum $3,000

Class IV Lifetime Maximum $1,500

Class I – Preventive 100% of covered expenses

Class II - Basic Restorative 80% of covered expenses

Class III - Major Restorative 50% of covered expenses

Class IV - OrthodontiaClass IV Orthodontia for dependent children under age 22.

50% of covered expenses$1,500 Lifetime Maximum

Class V - Implants Not Covered


Cigna Network

50 years of experience

Ability to offer products in:

45+ countries/jurisdictions4

1.5M+ health care professionals (300,000 outside of U.S.)2

23k+ guarantees of payments3

84% inpatient(65% outpatient) direct payments (outside the US)6

115+ Telehealth licensed doctors7

2.1M call/e-mail interactions3

6M+ claims paid annually3

95% claims paid within 10 days3

100+ care staff2

80+ nurses2

50+ doctors2

Customer first Health driven Locally focused

Global healthcare with a local touch

9Confidential, unpublished property of Cigna. Do not duplicate or distribute. For internal use only. Use and distribution limited solely to authorized personnel. © 2018 Cigna

Global footprint. Worldwide support.

AdministrationNetwork ServiceClinicians

Care and coverage for customers in 200+ countries/jurisdictions across the globe.1

DUBAI, UAE

ANTWERP, BELGIUM

SHANGHAI, CHINA

KUALA LUMPUR, MALAYSIA

GREENOCK, UK

WILMINGTON, DE

MIAMI, FLVISALIA, CA

MADRID, SPAIN

NAIROBI, KENYA

10 global service centers5

2,750 employees dedicated to global

business5

1. Data from GHB Provider Network analysis as of October 2017. Subject to change.2. Data from GHB Clinical analysis as of October 2018. Subject to change.3. Data from GHB Business Intelligence analysis for full year 2017. Subject to change.4. Data from GHB Legal analysis as of April 2018. Subject to change.

5. Data from GHB Proposal Team analysis as of October 2018. Subject to change.

6. Data from GHB Qlikview data analysis for full year 2017. Subject to change.7. Advance Medical internal data, Jan 2018. Subject to change.

Advance Medical is an independent company and solely responsible for any information or medical advice provided to patients.

Cigna Envoy: Provider Results

CignaLINKS Network breadth and flexibility

• 1.5 million+ health care professionals,300,000 outside the U.S.

• Direct settlement• Local case managers in dedicated regions

Cigna Network

• Direct settlement• Seamless eligibility transfers• Accumulation of claims data for

global reporting • Local knowledge and service delivery• Contracted rates – cost management

Canada APRussia

UK DomesticUnited Kingdom

Brazil

Spain, Domestic

Spain

South Africa, Nigeria Saudi Arabia

Australia

Singapore, Indonesia,Malaysia

Cigna Partners/Alliances

Cigna Wellbeing App With Telehealth

• Global access to clinicians via phone or video consultation

• No coinsurance. No deductibles. • Access any time, anywhere, to health

and wellness programs and information

UAE

Qatar, Bahrain, Kuwait, Oman

Hong Kong

Keep your Cigna Global ID card with you at all times to access quality health care anywhere in the world.

YOUR Cigna GLOBAL id card and co-branded id card

All employees will receive the Cigna Global ID card:

For the following countries, you will receive a co-branded ID for Singapore, Indonesia, Malaysia, Hong Kong, and UK:

Parkway Health: Singapore, Indonesia, Malaysia

QHMS: Hong Kong Cigna UK

Second ID card For employees that are citizens of or reside in South Africa, Nigeria, Australia, Brazil, Saudi Arabia, UAE, Kuwait, Bahrain,Oman, Qatar, Spain or Canada, a second CignaLinks ID card will also be issued for use in these locations.

AustraliaBrazil Spain

South Africa, Nigeria Canada

Bahrain and Qatar UAE, Oman and Kuwait

15

Digital Tools


16

EVERYTHING YOU NEED IN ONE PLACE

Self-service website CIGNA ENVOY®

Improved employee satisfaction –connected 24/7 to the information they need most

• Online claim submissions• Print and order ID cards• Find a doctor or hospital • View explanation of benefits• Opt-out of explanation of

benefits in the mail (“go green”)• Update personal information

and communication preferences

• Review eligibility• Send and receive email• Access health and

wellness tools• Available in English, Spanish

and Simplified Chinese

17

CIGNA ENVOY LANDING PAGE: WHERE DO I GO?”

First time registration, select: ‘I have not registered yet’.

After initial registration, select: I have an existing login

18

CIGNA ENVOY

19

CIGNA ENVOY: HOMEPAGE Available in English, Simplified Chinese &

Spanish

Quick icons

• Check Claims Status• View Plans• Find a Provider• Toolkit

Quick icons

• Check Claims Status• View Plans• Find a Provider• Toolkit

ID Cards

Important message Center

20

CIGNA ENVOY: LOCATING HEALTH CARE PROVIDER

21

Cigna Envoy: PROVIDER RESULTS

22

23

24

Cigna Envoy: CLAIMS

25

Cigna Envoy: CHECKING MY CLAIMS

Sortable Claims History Instant Claims Status Icons

26

Find health care all over the world

Check the status of your claims

View your family’s ID cards

Instant, real‐time access to health information on the go

Easy and simple navigation

Submit a claim

Cigna customer service 24/7/365

Cigna Envoy Mobile App

2727Confidential unpublished property of Cigna Do not duplicate or

HEALTH AND WELLBEING

28

Extensive support to help improve your health and wellbeing

> Telehealth – doctor consultation

> Health Risk Assessment integrated with optional condition management

> Targeted Risk Assessments focusedon key health pillars – nutrition, fitness, sleep, stress

> Health and wellness content – articles, recipes, more

> Online coaching– programs to fit personal needs; instructional videos

> Know Your Numbers – track key health biometrics

CIGNA WELLBEING APP All new personalized secure health and wellness app

PAYMENT OPTIONS,

CLAIM SUBMISSIONS

AND REIMBURSEMENT

31

FAST AND FLEXIBLE CLAIM SUBMISSION

Multiple options, same great service.While we regularly make payments directly to health care professionals, our claims process is like our plans – flexible. Medical dental and vision claims can be processed through:

Direct Payment:We regularly make direct payments to doctors and hospitals willing to accept this arrangement. Simply present your Cigna ID card, and the doctor or hospital will bill us directly.

Guarantee of Payment:If you receive care outside of our direct payment network, we have a 99 percent success rate in establishing a guarantee of payment. You can call our customer service center 24/7/365 for assistance arranging guarantee of payment.

3232

Our Medical and Dental claims forms are

available in 16 languages:

Arabic, Chinese, Czech, Dutch, English, French, German, Hindi, Italian,

Japanese, Korean, Portuguese, Russian,

Spanish, Swedish, Thai

CLAIM SUBMISSION OPTIONS

All registered users of our website, CignaEnvoy.com, are able to submit and view previous claims through the website using an easy to follow process.

Send scanned copies of claims via the internet to CignaEnvoy.com.

Fax your claim to us at no cost.

Mail/Courier:

Mail Delivery: Cigna Global Health BenefitsCustomer Service CenterP.O. Box 15050 Wilmington, Delaware 19850‐5050 USA

Courier Delivery:Cigna Global Health Benefits Customer Service Center 300 Bellevue Parkway Wilmington, Delaware 19809

Submit using the photo claim submission tool through the Cigna Envoy mobile app

33

CLAIM PROCESS CAPABILITIES

• Claim submission: Online via Cigna Envoy®, Fax, Mail or Courier• Date of service exchange rate supplied by Factiva• Reimbursements available in 135 currencies1

• Reimbursements made directly to providers or customers by: • Check• Wire transfer• EFT (US) • ePayment Plus®

• 94% of claims paid in 10 days

We make it easy with fast, accurate claims service

3434

> Submit your claim through CignaEnvoy.com or the Cigna Envoy mobile app. It’s the fastest and easiest way to get your claims to Cigna.

> Make sure when submitting your form via mail or fax that it is complete. And don’t forget to sign it!

> Fill out a separate form for each doctor or hospital visit.> Be sure to add a diagnosis or explain your treatment.> Make sure to keep handy copies of your bills, receipts, and claim forms.> Clearly state how you would like to be reimbursed.> If you cannot submit your claim online, remember that even faxes are faster than regular mail.

STEPS TO SPEED UP THE CLAIM PROCESS

SERVICE EXCELLENCE –THROUGHOUT THE JOURNEY

3636

To help you:Understand your benefitsFind a doctorMedical AssistancePharmacy AssistanceSecure Guarantee of Payment (GOP)Submit claimsSecure Certificate of Coverage (COC)Clinical Support 24/7

We’re there for you. When and how you need us.

Consistent customer service, delivered globally

< 23 seconds: average call answer time*

93.5% of claims paid in 10 days or less*

multi-lingual serviceResources include:

Clinical supportEmail team staffed 24/724-hour automated self-serviceConcierge service for complex needsInterpreter services – 107 languages

99.1% of emails in 2 business days*

37

CIGNA GLOBAL CONTACT NUMBERS:

Toll-Free telephone number 1.800.441.2668

Toll-free TDD telephone number for the hearing impaired

1.800.558.3604

Direct telephone number(Collect calls accepted)

001.302.797.3100

Toll-free facsimile number 1.800.243.6998

Direct facsimile number 001.302.797.3150

2020 Monthly Cigna Premiums US OutboundEmployee Only: $90Employee + Spouse: $225Employee + Children: $180Family: $315

39

2020 BENEFITS ANNUAL ENROLLMENTNOV. 4-22, 2019

3 ways to enroll through the Caterpillar Benefits Center:1. Phone: 1-877-228-4010

2. Online: CatBenefitsCenter.com

3. Mobile device: With the new UPoint Mobile HR app

GLOSSARY OF TERMS

4141

Copayment (copay): The amount you pay per visit to the doctor or a health care facility. This is generally a flat dollar amount that is paid at the time of service. The amount can vary based on your plan coverage terms and the type of covered health service you receive.

Deductible Amounts: This is the amount of covered expenses that you must pay before the plan pays any benefit. Once you meet this threshold, the plan will begin to pay benefits for covered expenses that you incur; this applies to both individual and family plans.

Coinsurance: A percentage of the cost of covered medical services you must pay after you have met any plan deductible. Coinsurance is a percentage of the cost of the service post Cigna discount (if you stay in-network). It does not include charges for services not covered by your plan.

HELPFUL TERMS TO KNOW

In-network: Health care professionals or facilities that have signed contracts with Cigna and may therefore offer discounts for health services when you receive care and directly bill Cigna.

Out-of-network: Health care professionals or facilities that do not offer discount arrangements for services with Cigna and may require that you pay for services at the point of care. You may visit any health care facility you choose by choosing a doctor who does not participate in the Cigna Network may lead to higher out-of-pocket cost.

Q&A

Confidential, unpublishedpropertyof Cigna.Do not duplicateor distribute.Useanddistribution limitedsolely toauthorizedpersonnel. ©2017Cigna

Offered by: Connecticut General Life Insurance Company or Cigna Health and Life Insurance Company.

This material is provided for informational purposes only. It is believed accurate as of the date of publication and is subject to change. Such material should not be relied upon as legal or medical advice. As always, we recommend that you consult with your independent legal and/or medical advisors. Products and services may not be available in all jurisdictions and are expressly excluded where prohibited by applicable law. Cigna Global Health Benefits’ web-based tools, such as CIGNA Envoy®, are available for informational purposes only. Cigna Global Health Benefits’ web tools are not intended to be a substitute for proper medical care provided by a physician. References to non-partnered organizations or companies, and/or their products, processes or services, do not necessarily constitute an endorsement or warranty thereof. All models are used for illustrative purposes only.

All Cigna products and services are provided exclusively by or through operating subsidiaries of Cigna Corporation, including Life Insurance Company of North America and Cigna Life Insurance Company of Canada. The Cigna name, logo, and other Cigna marks are owned by Cigna Intellectual Property, Inc.

876496 01/18 © 2018 Cigna. Some content provided under license.

Documents

2020 Benefits Annual Enrollment Expat AE... · • Print and order ID cards • Find a doctor or hospital • View explanation of benefits • Opt-out of explanation of benefits in