Medical Coverage

The Basic Plan   

This plan tends to appeal to someone who doesn’t want to pay upfront for healthcare they are not sure they’ll use. 
It offers:

• Lower payroll deductions but a higher member deductible gap
• Higher coinsurance

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The Buy-Up Plan   

This plan tends to appeal to someone who is  willing to pay more upfront so they have the  security of more coverage at the time of service. 
It offers:

• Higher payroll deductions but a lower member deductible gap (due to higher HRA credits)
• Lower coinsurance

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Medical Plan

A Closer Look at How the Medical Plans Work

• Post-HRA Out-of-Pocket Maximum 
  Once you reach this "safety-net" limit, you stop paying coinsurance and the Plan pays 100% of eligible expenses for the rest of the year.
• Medical Plan Coinsurance 
  After you meet your member deductible gap, you and the Plan share the cost of covered services called "coinsurance."
• Member Deductible Gap 
  This is your portion of the plan deductible. You pay 100% of costs out-of-pocket until this amount is reached.
• Health Reimbursement Account (HRA) 
  A special account funded by BorgWarner that serves as the first source of  payment for medical expenses . It is designed to offset your Member Deductible Gap. (For new employees, this amount is pro-rated monthly  based on your hire date). Unused HRA funds can carry over for use in the  next plan year.

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Don't Be Wrongly Billed for Preventive Care

For your medical plan to cover 100% of the cost of your preventive care service, your physician must be sure to "code" the service as "preventive". If submitted as a "diagnostic procedure" or "treatment" visit, the service won't be considered preventive - meaning your standard deductibles and coinsurance will apply. Be sure to remind your provider to code the service as "preventive".

Care Management  

Cigna Care Management is designed to make sure you receive the services that are most appropriate for you. By using nurse case  managers to coordinate your care and checking in advance if a service is covered (called precertification), Cigna can help you lower costs, avoid unnecessary procedures and support during your recovery after a procedure. To learn more about Cigna Care Management and how it can help you and your family members, please contact your Health Advocate at 1-800-237-2904.

Cigna Telehealth Connection: When You Can’t Get to Your Doctor  

Virtual Mental Health Services with Ginger  

If you need behavioral health services, Ginger offers integrated a virtual mental healthcare system where coaches, therapists, and psychiatrists work as a team that's accessible from your smartphone. Ginger offers confidential mental healthcare through behavioral health coaching via text-based chats, self-guided learning activities and content, and, if needed, video-based therapy and psychiatry.

Ginger - Cigna’s Smartphone Tool for Mental Healthcare Support