Medical Insurance

The University offers three medical plans through Cigna. Enrollment is optional and you may waive coverage if you are covered under another medical plan. For more information please select the plan of interest below:

• OAP HSA (High Deductible Plan)- Similar to a High Deductible Health Plan (HDHP) that uses a Health Savings Account (HSA)

• OAP-IN-  Similar to a Health Maintenance Organization (HMO)

• OAP- Similar to a Preferred Provider Organization (PPO)

Questions about your eligibility? Learn more about what benefits you are eligible for here.

IMPORTANT MESSAGE - Critical Information about Transparency in Coverage

This link - https://www.cigna.com/legal/compliance/machine-readable-files, leads to the machine readable files that are made available in response to the federal Transparency in Coverage Rule and includes negotiated service rates and out-of-network allowed amounts between health plans and healthcare providers. The machine-readable files are formatted to allow researchers, regulators, and application developers to more easily access and analyze data.

 

Digital ID Cards

Beginning July 1, 2023, enrolled participants will not automatically receive a physical ID card. A digital ID card can be downloaded at myCigna.com. To get your digital ID card:

• Log in at myCigna.com. Newly enrolled participants must register to create their online account first.

• Click or tap “ID Cards”

• View your card(s), as well as any dependents’ cards

• Save or print ID card(s) 

Omada Program

Get healthy, your way! Omada is a virtual care program that empowers you to achieve your health goals through sustainable lifestyle change. Combining data-powered human coaching, connected devices, and curriculum tailored to your specific circumstances, the program is designed to help you build healthy patterns for life. Omada is personalized to help you reach your health goals—whether that’s losing weight, gaining energy, or improving your overall health. 

 

 

Getting the most from your plan

 When you’re better informed, it can help you make better choices. Cigna’s personalized website, www.mycigna.com, provides access to your plan information, as well as many online tools with information to help you make more informed health decisions. Want to find out how to improve your fitness or eat better? Cigna’s online tools can help you stay active and take care of your health.

Cigna Mobile App

The myCigna mobile app gives you an easy way to organize and access your important health information—anytime, anywhere. Download the free app from the App store and gain instant access to multiple services. 

Cigna Virtual Care MDLIVE

Cigna provides access to medical and behavioral/mental health virtual care as part of your medical plan through MDLIVE. Cigna Virtual Care lets you get the care you need – including most prescriptions – for a wide range of minor conditions. Connect with board-certified doctors and pediatricians, as well as licensed counselors and psychiatrists via secure video chat or phone, without leaving your home or office. Visit MDLIVEforCigna.com or call 888-726-3171 to register.

• Choose when: 24/7/365 – even on weekends and holidays

• Choose where: Home, work or on the go

• Choose how: Phone or video chat

• Visit myCigna.com to access these services or call MDLIVE at 1-888-726-3171

Mental and Behavioral Health: MDLIVE is only available for medical visits. For covered services related to mental health and substance abuse, employees have access to the Cigna Behavioral Health network of providers.

• Go to myCigna or call the number on the back of your Cigna ID card
• Call to make an appointment with your selected provider

Ginger is now included in Cigna’s virtual provider network. Ginger coaches can help with everyday life challenges, whether it’s needing help with a stressful situation, relationship struggles or just not feeling 100% after a year-long pandemic. Through the Ginger app, chat via text with a trained behavioral health coach within seconds. Coaches are available on-demand, 24/7, and will help create a program tailored to your needs - all from the privacy of your smartphone. You also have access to Ginger’s interactive, self-care content library that will help you build the valuable skills needed to manage stress, anxiety and other day-to-day challenges. These services are available to you through your behavioral health benefits. To learn more about Ginger and get started today, visit myCigna.com.

Preventative Care

Preventive Care is covered in full when received in-network. Preventive care services include adult routine physical, well-child care visits, immunizations, routine GYN visits, age and gender appropriate cancer screenings, and other preventive services as required by the Affordable Care Act. These preventive services are covered in full when seeing a participating, in-network Cigna provider. To understand what is and is not covered as preventive health care please review the Cigna Preventive Health Care Guide.

Cigna Medical Vaccine Program

Under Loyola’s three medical plans you and your enrolled dependents may obtain the flu vaccine – as well as other vaccines – at your local retail pharmacy. Here is the list of pharmacies in your network that offer vaccines. Vaccines are covered under your medical benefit. You should call your pharmacy to make sure your vaccine is covered and available at that location. You shouldn’t need to make an appointment to get a vaccine. Please be sure to bring your Cigna medical ID card with you when you go to the pharmacy.

Know Before You Go- When You Need Care

What if you get sick or injured when your doctor's office is closed?

Cigna Members: 24/7 Medical Advice Health Information Line

Cigna Telehealth Connection: access virtual doctor visits for common, uncomplicated, non-emergency health issues.

Urgent Care Centers (e.g. Patient First or ExpressCare)
         • Usually open after normal business hours, including evenings and weekends.
         • Many offer on-site diagnostic tests.
         • Save time and money by going to urgent care instead of the ER.

Emergency Room (ER)
         • Best place for treating severe and life-threatening conditions; ERs are not staffed to focus on minor injuries.
         • Most expensive type of care.

These are general guidelines. Call 911 or go straight to the ER if you have a life-threatening injury, illness or emergency.

Additional Cigna Information and Resources

• Cigna Find a Doctor Instructions

• Cigna Programs and Resources

• Cigna Behavioral Health Programs Resource Guide

• Cigna Transition of Care

• Cigna Case Management

• Cigna Designated Substance Use Treatment Centers

Eligibility

 

• A Core or Full-time Faculty member
• Regular, full-time staff and administrators (37.5 hours per week for 9 or more months in a 12 month period)
• Core staff and administrators (30 or more hours per week for 9 or more months in a 12 month period)
• Half-time staff and administrators (22.5 hours per week for an entire 12 month period

Dependent Eligibility

If you are covered under a medical plan, you may also elect coverage for your spouse/LDA and your eligible dependent children. You will select from one of the following levels of coverage:

• Employee only

• Employee and 1 Child

• Employee and Spouse/LDA

• Employee and Children

• Family (employee, spouse/LDA and child(ren)

All medical plans will cover dependent children until age 26, regardless of whether or not they are full-time college students.

How to Enroll

New hires or newly eligible employees must complete the self-guided virtual benefits orientation and make their final benefit elections within 30 days from their date of hire. They will receive a welcome email with the link to the benefits orientation at the end of their first week of employment. Employees should contact the benefits & wellness office at 410-617-1365 if the welcome email was not received.

Open Enrollment occurs each year usually in late April/early May with changes effective July 1. A general notification will be sent to all eligible employees before the start of Open Enrollment and reminders will be sent during the two week enrollment period.

Qualified Change-in-status events must be reported to the benefits & wellness office within 30 days. Log in to Inside.Loyola and select the Benefits Enrollment link. You will be redirected to your personal online benefits enrollment page. Make your changes by selecting New Change Request.

Questions or Assistance

If you have questions or need assistance, please contact the PSA Benefits Hotline at 1-877-716-6618 or email Loyola@psafinancial.com. 

Enrollment Resources

This website provides a summary of the benefits available. The University reserves the right to modify, amend, suspend or terminate any plan at any time, and for any reason without prior notification. You will be notified of any changes to these plans and how they affect your benefits, if at all. The plans described on this website are governed by insurance contracts and plan documents, which are available for examination. We have attempted to make explanations of the plans on this website as accurate as possible. However, should there be a discrepancy between this website and the provisions of the insurance contracts or plan documents, the provisions of the insurance contracts or plan documents will govern. In addition, you should not rely on any oral descriptions of these plans, since the written descriptions in the insurance contracts and plan documents will always govern.