Open Enrollment

The 2023 Open Enrollment period is Oct. 31 – Nov. 4, 2022. This is an ACTIVE ENROLLMENT: That means EVERY BENEFIT ELIGIBLE employee MUST complete a Group Health Insurance Enrollment Form to elect or decline benefits and submit it to your HR Representative or Bookkeeper before Nov. 4, 2022.

Please read the Open Enrollment Guide below.

If you have any questions regarding benefits, please contact Jennifer Mills at jmills@dioknox.org or Maura Lentz at mlentz@dioknox.org Monday through Friday, 9 a.m. to 4 p.m. (EST).

MEDICAL/DENTAL/VISION INSURANCE
CIGNA will be replacing United Healthcare (UHC) as our medical and dental insurance provider. VSP will remain our vision insurance provider. HSA Bank will replace Optum Bank for the HDHP HSA bank accounts. Please see the links below to assist you in making an informed decision on your benefits, including the CIGNA Easy Choice Tool below.

CIGNA HDHP PLAN WITH HSA OR CIGNA OAP (PPO) PLAN
Cigna 2023 Medical/Dental plans and HSA presentation (video)
Cigna 2023 Medical/Dental plans and HSA presentation (printable)

CIGNA HSA ACCOUNT INFORMATION
Cigna 2023 Health Savings Account Presentation (video)
Cigna 2023 Health Savings Account Presentation (printable)

HSA Limits and Employer Contributions

• The 2023 maximum individual contribution is $3,850; employer will contribute $1,925 of this maximum for full-time employees and $960 of this maximum for part-time employees
• The 2023 maximum family contribution is $7,750; employer will contribute $3,875 of this maximum for full-time employees and $1,930 of this maximum for part-time employees
• Catch-up contributions of an extra $1,000 are allowed for those ages 55 and older

You have the option to transfer your existing HSA money at Optum Bank to hsabank. See Group Health Insurance Enrollment Form for transfer paperwork.
HSA Transfer Guide

CIGNA HDHP/HSA PLAN
Cigna Summary of Benefits HDHP/HSA Plan
Cigna Benefit Summary Detail HDHP/HAS Plan

CIGNA OAP PLAN (PPO)
Cigna Summary of Benefits OAP Plan (PPO)
Cigna Benefit Summary Detail OAP Plan (PPO)

PRESCRIPTION BENEFITS
Caremark will remain our insurance carrier for prescriptions. HDHP Plan will have a quarterly list of generic drugs for $10. It is your responsibility to check your account on www.Caremark.com for prescription costs.

CIGNA DENTAL PLAN
Cignal Dental Summary of Benefits

VSP VISION INSURANCE
VSP Vision Summary of Benefits

PRE-ENROLLMENT personalized assistance is available with CIGNA ONE GUIDE: Call 888-806-5042 to speak with a Cigna One Guide representive.

2023 Benefit Costs

To determine which health plan is more beneficial to you, CIGNA has provided the EASY CHOICE TOOL to assist you in the decision-making process. User guide and tool link are below. Access codes for the site are in the User Guide.
CIGNA Easy Choice User Guide
CIGNA EASY CHOICE TOOL