Enroll

Your Health

At TEAM Services Group, our comprehensive benefits program is designed to support every aspect of your well-being, ensuring you have the resources you need to thrive personally and professionally.

Click here for an overview of your offered benefits: Benefits at a Glance

Medical

Your health benefits are an important part of your compensation. Plus, they give you and your family access to numerous health tools and resources. All eligible employees can choose between the four comprehensive medical plans through Cigna:

Each plan differs in deductible amounts, out-of-pocket maximums and coinsurance. Office visits, specialist visits and prescription drug costs vary by plan. For more details and to see how the plans differ, review your medical plan options in the Benefit Summaries linked above.

Preventive care—which includes your annual physical and wellness exams—is covered 100% when you see an in-network provider on all plans.

Note: Your Cigna ID card is digital and can be found at mycigna.com.

Find a Doctor

Our medical plans have contracted with a network of providers, including physicians, hospitals, and other types of providers. To receive the highest level of benefits and pay the least amount out of your pocket, you need to receive care from the providers who have elected to be a part of the network. It’s important to check that your providers are in-network to avoid costly out-of-network charges later.

To access the Cigna provider directory:

  1. Go to cigna.com
  2. Select Employer
  3. Change the location to the city/state or zip code desired
  4. Select Doctor by Type, Doctor by Name or Health Facilities and Group Practices
  5. Enter a search term and click Search
  6. Select Open Access Plus when asked to select a plan
    • For employees living in Utah: Select PPO when asked to select a plan
Where to Go for Care

Knowing where to go when you need care can save you time, money, and hassle. Our Medical plans give you a variety of care options for any medical issues you may face. Remember to save the emergency room for true emergencies.

Note: When choosing a medical plan, think about how you prefer to pay for your care. Some plans have higher paycheck deductions and lower costs when you receive care, while others have lower deductions and higher costs when you receive care.

Cigna Member Tools

Cigna offers helpful tools that make it easier to find care, understand your coverage and manage your benefits. These resources are available to all Cigna medical plan participants and are designed to keep you informed and supported wherever you are.

Your content goes here. Edit or remove this text inline or in the module Content settings. You can also style every aspect of this content in the module Design settings and even apply custom CSS to this text in the module Advanced settings.

ID Card

You won’t receive a physical ID card for your Cigna medical plan. If you need to access your digital ID card or coverage information, visit myCigna.com or download the myCigna mobile app and click ID Cards. Please note that you’ll need to have your SSN handy when you set up your account to verify your identity.

Note: If you’d like a physical ID card, you can request one by calling Cigna at 1‑800‑284‑8346 or by using the chat feature in the myCigna mobile app.

myCigna Mobile App

The myCigna mobile app makes it easy to organize and access your important health information. Download the myCigna mobile app today from your app store (just search for myCigna) to:

  • Find a doctor, dentist or healthcare facility
  • Compare quality-of-care ratings and costs
  • View ID card information for the entire family
  • Review deductibles, account balances and claims
  • Chat with a representative
  • View and fill your prescriptions
  • And more!
Virtual Care

Cigna partners with MDLive to support a variety of telehealth services. You can get immediate, on-demand care from affordable, quality board-certified doctors and pediatricians via secure video chat or phone for conditions like:

  • Acne
  • Allergies
  • Cold and flu
  • Fever
  • Headaches
  • Skin infections
  • Sore throats
  • Urinary tract infections
  • Behavioral/mental health
  • Urgent care
  • Dermatology

To talk to an MDLive medical provider available 24/7/365, including holidays, call 888-726-3171, visit myCigna.com or use the myCigna mobile app. Access the Virtual Care portal by clicking Talk to a Doctor or Nurse 24/7 – Connect Now.

Cigna Well-Being Solution

Get rewarded for healthy choices! The Cigna Well‑Being Solution program allows you to earn rewards by completing eligible well‑being activities, such as:

  • Health assessments or biometric screenings
  • Tracking your steps, workouts and/or active‑minutes
  • Coaching journeys or well‑being challenges
  • Tracking healthy habits, including sleep, nutrition and mindfulness
  • Preventive care services
  • And more

Activities vary in point value, and incentives are awarded when point thresholds are reached, up to a maximum of $100:

Points Dollars Earned
7,000 $10
25,000 +$20
40,000 +$30
60,000 +$40
Maximum Total $100

To learn more about eligible well-being activities or for questions about the Cigna Well-Being Solution program, visit myCigna.com or download the myCigna mobile app and click Wellness Rewards.

Cigna Total Behavioral Health

Mental health matters just as much as your physical health. Get personalized mental health support with Cigna’s Total Behavioral Health program, which includes three face-to-face visits with a licensed clinician to support you with stress, anxiety or coaching needs at no cost to you. Sign up using myCigna.com or in the myCigna mobile app.

Cigna One Guide

Cigna One Guide gives you personalized support to help you understand your health plan options and make confident decisions.

  • Pre-Enrollment. You can call One Guide at 1-800-564-7642 for help understanding coverage basics, comparing plan options, checking if your providers are in‑network and getting answers to any questions you have.
  • After Enrollment. Support continues once you’re enrolled. One Guide can help you resolve issues, save time and money, understand your bills, get cost estimates and find in‑network providers—so you can get the most out of your plan. Just call 1-800-CIGNA24 (1-800-244-6224) or use the chat function on the myCigna mobile app.

Understanding the Medical Plan Lingo

We know not everyone understands the lingo, so here are some important terms to know as you decide which medical plan to choose, as well as how to use it during the year:

Copay

A copay is the fixed amount you pay for a covered health care service (e.g., a primary care physician’s office visit or an emergency room visit).

Deductible

Your annual deductible is the amount you pay for office visits, prescription drugs and other covered services before your plan begins sharing the cost.

Coinsurance

Coinsurance is the percentage you and your plan each pay when you’re sharing costs. Coinsurance kicks in after you meet your annual deductible.

Out-of-pocket maximum

The most you pay in a year for health care services is called the out-of-pocket maximum. After you reach the out-of-pocket maximum, the plan covers 100% of eligible services for the remainder of the plan year.

Balance Bill

If you receive care from an out-of-network provider, they may charge more than what your plan covers. The difference between what the provider bills and what your insurance pays is called a “balance bill” – and you are responsible for it. Staying in-network helps you avoid these charges.

Preventive Care

This includes routine check-ups, screenings, and vaccines that help catch problems early. Preventive care is covered at 100% by your plan when you use an in-network providers.

Prescription Drugs

Prescription drug coverage is embedded within each of our medical plan options.

Your content goes here. Edit or remove this text inline or in the module Content settings. You can also style every aspect of this content in the module Design settings and even apply custom CSS to this text in the module Advanced settings.

What Medications Are Covered?

To find what prescription medications are covered under your Cigna medical plan:

  1. Go to cigna.com
  2. Scroll to the bottom of the page and find the column labeled I want to…
  3. Select See prescription drug list
  4. Click 4 tier (all specialty medications…) to see what drugs are covered on your plan

Note: Prescription drug coverage is not available for medications that can be purchased over-the-counter. Examples include allergy medications and proton pump inhibitors (PPIs).

Mail Order Pharmacy

Getting your maintenance medications by mail is a great way to save time and money. With just a few simple clicks on your mobile phone, tablet or computer, your important medications will be on their way to your door (or location of your choice).

  • Easily order, manage and track your medications on your phone or online
  • Standard shipping at no extra cost
  • Fill up to a 90-day supply at one time
  • Helpful pharmacists available 24/7
  • Automatic refills and refill reminders so you don’t miss a dose
  • Payment options if you need help paying for your medications

To get started with home delivery, go to mycigna.com/choosehomedelivery and follow the online instructions to transfer your prescription from your retail pharmacy. To access a list of drugs that qualify for mail-order visit myCigna.com or call 800-835-3784.

Specialty Medications

If you’re using a specialty medication, Accredo can help. Accredo is a Cigna specialty pharmacy program that supports you in managing a complex medical condition by providing the care you need, such as:

  • Managing your therapy — at no extra cost
  • 24/7 access to specialty‑trained pharmacists and nurses
  • Personalized care services
  • Online medication management and order tracking
  • Fast shipping, at no extra cost
  • Easy refills and free reminders
  • Help finding a way to pay for your medication

To learn more, go to cigna.com/specialty or call 877-826-7657.

How the Prescription Drug Tiers Differ

The amount you pay for a prescription drug is based on the type of drug you fill, whether it’s a generic, preferred brand, non-preferred brand or specialty. Here’s how the costs compare based on the tier of drug you fill:

Tier 1 – Generic: $

Always consider tier one medications if you and your doctor decide they are right for your treatment.

Tier 2 – Preferred: $$

Consider tier two medications if you and your doctor decide there are no tier one options appropriate to treat your condition.

Ask your doctor if there are tier one alternatives or over-the-counter brands that are equivalent to tier two medications. They may be used to treat the same condition but are less expensive.

Tier 3 – Non-Preferred: $$$

If you are currently taking a medication in tier three, ask your doctor whether there are tier one or two alternatives appropriate for your condition.

Compounded medications containing one or more ingredients that are prepared on-site by a pharmacist are classified at the tier three level, provided that the individual ingredients used in compounding are covered under the pharmacy benefit.

Tier 4 – Specialty: $$$$

These are typically high-cost drugs used to treat complex or chronic conditions. If you are prescribed a specialty medication, ask your doctor whether there are tier one, two or three alternatives that may be clinically appropriate and more cost-effective.

Note: Keep in mind that some preventive medications are covered at 100% when you use an in-network pharmacy. They are NOT covered when received out-of-network.

 

Maximize Your Prescription Savings

Dental

Whether you get regular cleanings, need additional dental work, or just want peace of mind, TEAM Services Group offers two comprehensive dental plans through MetLife: the High Plan and the Low Plan. Both plans cover diagnostic and preventive services—such as exams, cleanings, sealants and space maintainers—at 100%, whether you use an in-network or out-of-network provider.

View the Dental Plan Summary.

Click here to learn more.

ID Card

You won’t receive a physical ID card for your MetLife dental plan. If you need to access your digital ID card or coverage information, log in with your credentials at metlife.com or in the MetLife mobile app. Please note that you’ll need to have your SSN handy when you set up your account to verify your identity.

Dental Plan Options

To see your MetLife dental plan options and coverage details, review the benefit summary.

Find a Dental Provider

Although you can use an out-of-network dental provider, you will save the most money out of your pocket by using MetLife dental providers who have agreed to give you discounted rates.

To find a network provider:

Vision

Whether you have glasses, contacts or 20/20 vision, TEAM Services Group offers a comprehensive vision plan through MetLife, powered by the Superior Vision Network. Vision insurance is key to maintaining good eye health, as annual exams can detect early warning signs of various conditions.

For an overview of the benefits provided under the vision plan, review the benefit summary.

Click here to learn more.

Your content goes here. Edit or remove this text inline or in the module Content settings. You can also style every aspect of this content in the module Design settings and even apply custom CSS to this text in the module Advanced settings.

Find a Doctor

Although you can use an out-of-network provider, you will save the most money out of your pocket by using in-network doctors who have agreed to give you discounted rates.

To find a doctor:

  1. Go to metlife.com
  2. Hover over the Support tab
  3. Select Find a Vision Provider
  4. Click Superior Vision
  5. Search for doctors by location or name

You can also find providers by searching in the MetLife mobile app or calling 1-833-393-5433.

Your content goes here. Edit or remove this text inline or in the module Content settings. You can also style every aspect of this content in the module Design settings and even apply custom CSS to this text in the module Advanced settings.

ID Card

You won’t receive a physical ID card for your MetLife vision plan. If you need to access your digital ID card or coverage information, log in with your credentials at metlife.com or in the MetLife mobile app. Please note that you’ll need to have your SSN handy when you set up your account to verify your identity.

Supplemental Health Plans

Accident, Critical Illness and Hospital Indemnity Insurance

TEAM Services Group offers Supplemental Health Plans through Lincoln Financial to fill any gaps in your medical coverage if you have a critical illness, accident or hospital stay, providing you with added financial protection.

Your content goes here. Edit or remove this text inline or in the module Content settings. You can also style every aspect of this content in the module Design settings and even apply custom CSS to this text in the module Advanced settings.

Accident Insurance

Pays a lump sum directly to you based on your accident, and you choose how to spend it. Whether you break a bone or experience a more serious injury, you can use the money for medical bills, monthly expenses and other bills that you may have while you recover.

Coverage is available to you and your dependents. Payment amounts depend on the injury and treatment received.

Click here to learn more.

Critical Illness Insurance

Pays a lump sum directly to you if you are diagnosed with a covered condition, such as a heart attack, cancer or stroke—this way, you can focus on getting better, rather than worrying about how to cover your bills. Use this coverage to pay for treatment costs or everyday living expenses, like housekeeping services, special transportation services and day care.

Coverage is available to you and your dependents. You can choose a benefit amount of either $15,000 or $30,000.

Click here to learn more.

Hospital Indemnity Insurance

Pays cash directly to you when you have a hospital stay, which you can use to help pay medical costs, or even pay for everyday expenses, like grocery bills or mortgage payments.

Coverage is available to you and your dependents. The plan provides a $1,000 benefit for the first day of hospitalization (or $2,000 for an ICU admission) and a $100‑per‑day confinement benefit for up to 30 days. Actual payment amounts vary based on the type of admission and the length of your stay.

Click here to learn more.

Benefit Examples

Accident:
  • Ambulance: $450
  • Fractures: Up to $2,575
  • Lacerations: $125 – $1,500
Critical Illness:
  • Cancer: 100% of your benefit
  • Heart Attack: 100% of your benefit
  • Stroke: 100% of your benefit
Hospital Indemnity:
  • Hospital Admission: $500 per day
  • Daily Hospital Confinement: $100 per day

For more information on the Supplemental Health Plans, visit lincolnfinancial.com, download the Lincoln Financial Mobile app or call 1-800-423-2765.

For more information on the plans, review the Supplemental Health Summaries below:

 

Ready to Enroll?

Go to our personalized Benefits Portal to enroll in your benefits.

Visit Benefits Portal