Field Project Health Insurance

Field projects will be starting soon and questions have come up concerning health insurance coverage while employees are out of the Boulder area. Below is an explanation of how you would be covered if an emergency or urgent care is required. Please be aware that if you are injured on the job you will be covered under worker’s compensation. Please read the worker’s compensation procedures on the SASS web site.

HEALTH INSURANCE

CIGNA HMO covers out-of-area emergency and urgent care treatment only. If an employee were hospitalized, he/she would need to contact their primary care physician to inform them of the hospitalization. The member is responsible for the co-payment of $50.00 for emergency room, or $25.00 for an urgent care facility. Hospitalization is a $200 co-payment.

CIGNA PPO and the CIGNA High Deductible Plan (HDHP) covers out of area treatment if in the United States. If outside of the United States, CIGNA covers emergency and urgent care only. The CIGNA PPO plan has networks through out the country. Before leaving for the field project, you can access CIGNA’s web site at www.cigna.com and print a provider directory for the location where you will be working. If you need to see a physician, use the directory to find an in-network provider near where you are located. Otherwise, the treatment will be treated as an out-of-network service and you will have to meet your deductible and charges will be covered at 80%.

Kaiser Permanente HMO covers out-of-area emergency treatment only. Be aware that within 48 hours after inpatient hospital care commences, you need to notify Kaiser Permanente's 24-hour emergency line, 303-338-4545. For outpatient care, phone the Information Center for a claim form, 303-338-3800 or 1-800-632-9700. File your claim within 180 days of receiving care. For more information, access the Kaiser Summary Plan Description and view Section I titled “Emergency Services and Non-Emergency, Non-Routine Care”.

ADDITIONAL COVERAGES

Please remember that you have other important policies in place while traveling on business: Travel Accident, Basic AD&D and The Hartford's Travel Assistance program.

Should you have any questions about these policies or procedures, please contact Cyd Perrone or by calling 303-497-8710.

January 2009