Is the Cigna Plan an "open access" plan? Doctor won't let us schedule unless its an open access Cigna plan.

 

Open access just means do you need a referral. Can’t speak to all plans but regular plan doesn’t require a referral = open access.

 

Yes. The reg does not require referrals. Cigna is having some difficulties understanding the reg plan.

 

The Aetna/Cigna transition is running into a lot of issues. Between them denying coverage and SWA deciding to clamp down on their pharmacy formulary, our medical benefits are being swiftly eroded.

I have had issues getting claims paid for doctors visits for "services not covered". I got the union paid bulldog involved and she got them reversed after I made several calls to the benefits line and got fed completely false information. An expensive medication that was covered last year for my wife is no longer covered.

Other pilots are running into issues with getting medically necessary (in some cases emergency) imaging covered, pediatric insulin pumps covered, and several other issues that were previously not a problem.

My suggestion for anyone running into issues is to contact Resolute Heath Advisors through the union benefits website. She will get you the results you need.

 

Thanks guys.

 

I currently have Tricare Reserve Select for my family. I have heard people saying since I have Tricare it would be wiser to go with the Regular Plan vs Benefits Plus. Thoughts?

 

Have any kids with special medical needs? Spouse have special medical needs? Sometimes this calls for Benefits plan.

Compare premiums for your family on the Benefits Plus vs. deductible and max out of pocket on the Regular plan. My former spouse had a total knee replacement on the Regular plan. No issues.

 

Regular plan plus Tricare reserve select is a gold plated plan. Do it

 

This. You will wonder why you didn't do it sooner.

There are very few things that benefits plus covers that the regular plan doesn't.

 

Thanks for all the replies! Sounds like regular plus Tricare reserve select is the way to go!