HEALTH

Q: Supplemental Health Resources

Plan Summaries Benefit Summary – Accidental Injury (Class 1) Benefit Summary – Accidental Injury (Class 2) Benefit Summary – Critical Illness (Class 1) Benefit Summary – Critical Illness (Class 2) Flyers Cigna Supplemental Health Cigna Supplemental Health – How to File a Claim

Q: Dental Resources

Plan Summary Cigna DPPO Plan Summary Cigna DHMO Plan Summary ID Card How to access your Digital ID Card

Q: Vision Resources

Plan Summary EyeMed Plan Summary ID Card How to access your Digital ID Card Flyers EyeMed – Know Before You Go

Cyient appreciates your commitment to our success. We are committed to providing you with competitive, affordable health and wellness benefits to help you take care of yourself and your family. This website provides a summary of your plan options and has helpful tips for getting the most out of your benefits.

Benefits Guide

View the 2024 Benefits Guide to learn more about your benefits.

Benefits at a Glance

Review your Benefits at a Glance

New Hire Brainshark

For more information on your benefits, review our Brainshark.

Cyient | United Healthcare Health & Wellness Education Session is now available

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Medical

United Healthcare | 1-833-894-5447 | General Information: uhc.com Enrolled Members: myuhc.com

Your health benefits are an important part of your compensation. Plus, they give you and your family access to health and wellness services through UnitedHealthcare. All eligible employees can choose between three medical plans offered by UHC. These are the Encore, Accent and Horizon plans. For a comparison of employee costs per plan, click here.

How the Medical Plans Compare

Here’s a brief look at the differences between our three UHC medical plans. The Accent and Encore plans are qualified high deductible health plans that let you open a Health Savings Account (HSA). This account helps you save money by using tax-free dollars to pay your healthcare expenses. And any remaining HSA contributions roll over from one year to the next.

The Horizon plan is a copay plan, which does not allow you to open a Health Savings Account. But you can open a Flexible Spending Account (FSA) instead. This account also lets you pay for healthcare expenses with tax-free dollars. FSA contributions, however, do not roll over from one year to the next.

For more details, click here.

To take a look at how the plans compare in three different scenarios, click here.

Accent Hospital Indemnity Plan

This benefit provides financial protection if you have a hospital admission. Hospital indemnity plan benefits do not apply against your plan deductibles or out-of-pocket maximums.

For a look at the benefit structure, click here.

	Accent		Encore		Horizon
	Premium Designated Provider	Non- Premium Designated Provider	Premium Designated Provider	Non- Premium Designated Provider	Premium Designated Provider	Non- Premium Designated Provider
General Plan Coinsurance	100%		85%		70%
Deductible Employee Only Family	$4,000 $8,000	$4,000 $8,000	$1,600 $3,200	$1,600 $3,200	$750 $1,500	$750 $1,500
Out of Pocket Maximum (includes) deductible
Employee Only Family	$4,000 $8,000	$5,500 $11,000	$3,200 $6,400	$4,000 $8,000	$7,000 $14,000	$7,000 $14,000
Preventive care	100%	100%	100%	100%	100%	100%
Office visit (PCP and specialist)	100%	90%	90%	70%	$20	$30
Urgent care	100%	100%	85%	85%	$85	$85
Inpatient care	100%	100%	85%	85%	70%	70%
Outpatient care	100%	100%	85%	85%	70%	70%
Emergency room	100%	100%	85%	85%	$160	$160
Out-of-Network Services
Coinsurance	80%	80%	60%	60%	50%	50%
Deductible Employee Only Family	$5,350 $10,700	$5,350 $10,700	$2,500 $5,000	$2,500 $5,000	$4,000 $8,000	$4,000 $8,000
Out of Pocket Maximum (includes) deductible
Employee Only Family	$10,000 $20,000	$10,000 $20,000	$10,000 $20,000	$10,000 $20,000	$14,000 $28,000	$14,000 $28,000
Prescription drugs		Employee pays
Retail (30-day supply)
Tier 1 — generics	$0 Copay after Ded.		$5 Copay after Ded.		$15
Tier 2 — preferred	$0 Copay after Ded.		$25 Copay after Ded.		$25
Tier 3 — nonpreferred	$0 Copay after Ded.		$40 Copay after Ded.		$40
Mail-order (90-day supply)
Tier 1 — generics	$0 Copay after Ded.		$10 Copay after Ded.		$30
Tier 2 — preferred	$0 Copay after Ded.		$50 Copay after Ded.		$50
Tier 3 — nonpreferred	$0 Copay after Ded.		$80 Copay after Ded.		$80

FULL TIME EMPLOYEES
Coverage tier	Accent	Encore	Horizon
Employee	$33.48	$66.70	$115.06
Employee + Spouse	$73.93	$143.31	$247.22
Employee + Child(ren)	$61.13	$120.06	$207.11
Family	$94.57	$179.77	$310.12

PART-TIME EMPLOYEES (30-39 HOURS)
Coverage tier	Accent	Encore	Horizon
Employee	$81.25	$127.54	$220.02
Employee + Spouse	$226.83	$274.19	$472.98
Employee + Child(ren)	$187.53	$229.68	$396.20
Family	$290.15	$343.91	$593.26

PART-TIME EMPLOYEES (16-29 HOURS)
Coverage tier	Accent	Encore	Horizon
Employee	$144.27	$164.07	$283.03
Employee + Spouse	$318.57	$352.71	$608.40
Employee + Child(ren)	$263.37	$295.46	$509.66
Family	$407.48	$442.40	$763.17

Adrian

Adrian is 26 years old, unmarried with no children. He gets his physical exam every year and is generally pretty healthy. In the fall, he comes down with the flu and visits a doctor, who prescribes him a medication. Adrian has limited utilization of the medical/prescription drug program and does not approach either the deductible or out of pocket maximums in any of the plans available. Let’s see how the plans work for Adrian.

			Accent	Encore	Horizon
Type of Care	Cost of Care	Number of Visits	Adrian Pays
Preventive Physical Exam	$75	1	$0	$0	$0
Additional Doctor's Visit	$75	1	$75	$75	$20
Retail Generic Drug Purchase	$21	1	$21	$21	$15
Mail Order Generic Drug Purchase	$66	1	$66	$66	$30

Total OOP Cost			$162	$162	$65*
Employer Contribution to HSA(Employees must contribute $900 to get the full $450 from Cyient)			$450	$450	$0**
Hospital Indemnity Benefit Reimbursement			$0	N/A	N/A
Adrian's OOP Expenses after Employer HSA Contribution			$0	$0	$65
Total Payroll Contributions			$870	$1,734	$2,992
Adrian's Total Payment Responsibility			$870	$1,734	$3,057

Adrian chooses the Accent plan because his total payment responsibilities are the least amount with that plan. Plus, he can use any funds he’s contributed to his HSA to pay for his health care expenses on a before-tax basis.

*The Horizon plan is being offered to assist those who may experience high expenses at the beginning of the plan year or prefer to know they will have a set copay amount for office visits and prescriptions instead of utilizing a HSA with one of the high deductible plans.

** Employees enrolled in the Horizon plan will be able to use FSA funds for eligible expenses.

Carmen

Carmen is 49 years old, unmarried with no children. Carmen is pretty active, so she generally doesn’t see her doctor. However, Carmen falls off her bike in June and sustains some injuries. She sees a specialist who sends her to the emergency room for a cast. Carmen is a moderate utilizer of the medical/ prescription drug program. Let’s see how the plans work for Carmen.

			Accent	Encore	Horizon
Type of Care	Cost of Care	Number of Visits	Carmen Pays
Preventive Physical Exam	$75	1	$0	$0	$0
Additional Doctor's Visit	$75	3	$225	$225	$60
Specialist Visit	$130	1	$130	$130	$20
MRI Test	$2,250	1	$2,250	$1,396	$1,200
Emergency Room Visit	$542	1	$542	$81	$160
Retail Generic Drug Purchase	$21	2	$42	$10	$30
Mail Order Generic Drug Purchase	$66	6	$396	$60	$180

Total OOP Cost			$3,585	$1,902	$1,650*
Employer Contribution to HSA (Employees must contribute $900 to get the full $450 from Cyient)			$450	$450	$0**
Hospital Indemnity Benefit Reimbursement	Carmen is sent to the ER via ground ambulance	Ambulance - $200	$200	N/A	N/A
Carmen's OOP Expenses after Employer HSA Contribution and Hospital Indemnity Reimbursement			$2,935	$1,452	$1,650
Total Payroll Contributions			$870	$1,734	$2,992
Carmen's Total Payment Responsibility			$3,805	$3,186	$4,642

The Encore Plan looks like the better option for Carmen. She’ll save the most with this plan and she can use any funds she’s contributed to her HSA to pay for her health care expenses pre-tax.

** Employees enrolled in the Horizon plan will be able to use FSA funds for eligible expenses.

Gabriel

Gabriel is 38 years old, married with three children. Gabriel’s family uses his health care like most families; they visit the pediatrician for ear infections and coughs a few times a year. However, in November, Gabriel and his daughter are involved in a car accident. Everyone is OK, but both Gabriel and his daughter sustain some injuries. Because of the unexpected car accident, both Gabriel and his daughter are higher utilizers of the medical/prescription drug program and both meet the plan deductible and out of pocket maximums in each plan. Let’s see how the plans work for Gabriel.

			Accent	Encore	Horizon
Type of Care	Cost of Care	Number of Visits	Gabriel Pays
Preventive Physical Exam	$75	5	$0	$0	$0
Additional Doctor's Visit	$75	10	$750	$750	$200
Specialist Visit	$130	4	$520	$520	$80
Hospital Visits	$22,850	2	$6,730	$5,130	$7,380
Retail Generic Drug Purchase	$21	8	$0	$0	$120
Mail Order Generic Drug Purchase	$66	8	$0	$0	$240

Total OOP Cost			$8,000	$6,400	$8,020*
Employer Contribution to HSA Employees must contribute $1,550 to get the full $775 from Cyient)			$775	$775	$0**
Hospital Indemnity Benefit Reimbursement	Gabriel and his daughter were in the hospital for 3 days each, and were each in a ground ambulance	Ambulance - $200 Hospital Admission - $1,000 Hospital Confinement - $200 per day	$2,800	N/A	N/A
Gabriel's OOP Expenses after Employer HSA Contribution and Hospital Indemnity Reimbursement			$4,425	$5,625	$8,020
Total Payroll Contributions			$2,459	$4,674	$8,063
Gabriel's Total Payment Responsibility			$6,884	$10,299	$16,083

By choosing the Accent Plan, Gabriel will save significantly versus the other plans, due to the lower annual premium.
He can use any funds he has contributed to their HSA to pay for his out of pocket costs.

** Employees enrolled in the Horizon plan will be able to use FSA funds for eligible expenses.

Event	Plan Benefits
Hospital Admission (1 day / plan year)	$1,000
Hospital Confinement (up to 364 days / plan year)	$100
ICU Confinement (up to 364 days / plan year)	$200
Ground Ambulance (up to 3 days / plan year)	$200
Air Ambulance (up to 3 days / plan year)	$800
ICU Admission (1 day / plan year)	$1,000

Wellness Benefit Rider	$50

Medical Resourcesklavoie@lockton.com2024-04-24T15:03:21+00:00

Medical Resources

Plan Summary
UHC Choice Plus Accent
UHC Choice Plus Encore
UHC Choice Plus Horizon

SPDs
Accent Plan SPD
Horizon Plan SPD
Encore Plan SPD

ID Card
How to access your Digital ID Card

Flyers
Tier 1 Member Flyer
Supplemental Health (AAP CIPP HIP) Form
Note: Please send the employer portion of the form for completion to the Cyient Benefits team at time of claim submission

Wellness Benefit Claim form for Hospital Indemnity
UHC Health & Wellness Webinars

Virtual Health

United Healthcare | 1-833-894-5447 | Website: uhc.com/virtualvisits

Virtual Primary Care

Virtual care lets you schedule a video visit with a PCP, rather than an in-office visit. You’ll need to choose an Optum Virtual Care network PCP – who’ll meet with you during each online visit. You can see a virtual PCP for many common healthcare needs.

See a Virtual Primary Care Provider For:

Annual wellness visits
Regular follow-ups for chronic conditions
Referrals for screening tests
Prescriptions*
Lab tests
Referrals to quality network specialists

*Certain prescriptions may not be available, and other restrictions may apply.

Virtual Visits

With a Virtual Visit, you can see and talk with a doctor by mobile device or computer whenever you need care. This service is available 24/7, with no appointment needed. The doctor can give you a diagnosis and write you a prescription, if needed.

To get started with a Virtual Visit, go to uhc.com/virtualvisits.

Get Care in 20 Minutes or Less

Use a Virtual Visit for these minor medical needs:

Bladder infection/urinary tract infection
Bronchitis
Cold/ flu
Fever
Pinkeye
Rash
Sinus problems
Sore throat
Stomach-ache

Virtual Health Resourcesklavoie@lockton.com2024-02-14T16:43:53+00:00

Virtual Health Resources

Virtual Visits
Virtual Visits – Behavioral Health

United Healthcare Tools

United Healthcare | 1-833-894-5447 | Website: myuhc.com

Our medical carrier, UnitedHealthcare, offers a variety of programs to help you live well. The best part is that they’re available at no cost to all enrolled members.

How to Find a Premium Designated Provider

Take an active part in your health by seeking out and choosing physicians with the help of the UnitedHealth Premium program.
The Premium designation makes it easy for you to find doctors who meet national standards for quality and local market benchmarks for cost efficiency.
To find a UnitedHealthcare Premium Care Physician, just go to myuhc.com® > Find a Provider. Premium Designated Providers will have two blue hearts near their name when you are viewing as a Guest.

Get an Annual Preventive Physical in 2024

Cyient provides the high-quality benefits you need in the event of an illness or injury. Preventive care is an incredibly powerful and valuable component of your benefits. The plans are designed to provide the care you need to stay healthy year-round and hopefully not to be used just in the event of an emergency or illness.
Preventive care can help identify and treat minor, or even asymptomatic, health conditions well before they turn serious. Following the preventive care guidelines for medical, dental and vision health increases your chance of catching a health condition early and starting treatment before the condition becomes a major health issue.

Annual physicals and screenings are a great first step. Be sure to schedule preventive care visits with a health care provider to learn about what is needed to maintain your good health. You can schedule a physical and complete the online health assessment at myuhc.com to earn a $125 deposit to your HSA account! (incentives are paid out quarterly)

Supplemental Health Benefits

Cigna | 1-800-754-3207 | mycigna.com

Supplemental benefits insurance can help protect you against significant or unexpected out-of-pocket expenses. They’re designed to supplement, but not replace, a medical plan. If you elect the Accent medical plan, you’ll also receive hospital indemnity insurance. This benefit provides financial protection if you are admitted to the hospital.

Two other supplemental options are available. One is accidental injury insurance and the other is critical illness coverage. Accidental injury insurance from Cigna helps to pay some of your expenses caused by injuries accidents. Critical illness insurance (also from Cigna) helps to pay some of your expenses resulting from certain serious illnesses, including heart attack, stroke or major organ failure.

Accidental Injury Insurance

The accidental injury insurance through Cigna is designed to supplement major medical coverage by paying specific benefit amounts for expenses resulting from injuries or accidents. Hospitalization, physical therapy, intensive care, transportation and lodging are some of the out-of-pocket expenses that this accidental injury insurance could cover. Coverage is available for you, your spouse and/or your child(ren).

For an overview of some of the plan benefits, along with the rates, please click here.

Critical Illness Insurance

Cigna’s Critical Illness insurance provides employees and their families with additional financial protection to help cover unexpected expenses. A lump sum benefit of $10,000 is paid to the employee upon diagnosis. A benefit of $5,000 is paid for spouse or child coverage.

For an overview of some of the covered conditions, benefit amounts, and plan rates, please click here.

How to File a Claim

Plan Benefits

Initial & Emergency Care	Plan
Emergency Care Treatment	$100
Physician Office Visit (includes urgent care)	$50
Diagnostic Exam (x-ray or lab)	$50
Ground or Water Ambulance/Air Ambulance	$300/$1,200
Hospitalization Benefits	Plan
Hospital Admission	$1,000
Hospital Stay	$100
Intensive Care Unit Stay	$200

Biweekly Rates

Biweekly Rates
Employee	$2.91
Employee + Spouse	$4.38
Employee + Child(ren)	$5.10
Employee + Family	$6.57

Covered Conditions

Covered Conditions	Initial Benefit Amount %	Recurrence % of Initial Benefit Amount
Invasive Cancer	100%	100%
Carcinoma in Situ	25%	25%
Vascular Conditions
Heart Attack	100%	100%
Stroke	100%	100%
Coronary Artery Disease	25%	25%
Nervous System Conditions
Amyotrophic Lateral Sclerosis (ALS)	25%	Not Available
Parkinson's Disease	25%	Not Available
Multiple Sclerosis	25%	Not Available

Benefit Amounts

Benefit Amount		Guaranteed Issue Amount
Employee	$10,000	Up to $10,000
Spouse	50% of employee amount	Up to $5,000
Children	50% of employee amount	All guaranteed issue

Biweekly Rates

Biweekly Rates
Age	Employee	Employee + Spouse	Employee + Children	Employee + Family
Under 25	$2.59	$5.45	$4.78	$7.63
25-29	$2.72	$5.71	$4.90	$7.89
30-34	$3.06	$6.42	$5.24	$8.61
35-39	$3.81	$7.73	$6.00	$9.91
40-44	$4.66	$9.08	$6.84	$11.26
45-49	$6.20	$11.67	$8.39	$13.85
50-54	$8.81	$15.37	$10.99	$17.55
55-59	$12.11	$20.14	$14.29	$22.32
60-64	$15.23	$24.58	$17.22	$26.76
65-69	$17.71	$28.75	$19.89	$30.94
70-74	$23.64	$38.18	$25.82	$40.37
75 to 79	$32.36	$49.56	$34.55	$51.75
80 +	$40.20	$60.40	$42.38	$62.58

Supplemental Health Resourcesklavoie@lockton.com2024-06-12T13:59:00+00:00

Supplemental Health Resources

Plan Summaries
Benefit Summary – Accidental Injury (Class 1)
Benefit Summary – Accidental Injury (Class 2)
Benefit Summary – Critical Illness (Class 1)
Benefit Summary – Critical Illness (Class 2)

Flyers
Cigna Supplemental Health
Cigna Supplemental Health – How to File a Claim

Dental

	In-network	Out-of-network
Eye exam with dilation as necessary (once every 12 months)	$10 copay	Reimbursed up to $30
Frames (once every 24 months)	$150 Allowance 20% off balance over $150	Reimbursed up to $75
Standard lenses (once every 12 months)
Single vision	$25 copay	Reimbursed up to $25
Bifocal	$25 copay	Reimbursed up to $40
Trifocal	$25 copay	Reimbursed up to $60
Lenticular	$25 copay	Reimbursed up to $60
Contact lenses in lieu of glasses
Elective	$150 allowance	Reimbursed up to $120
Medically Necessary	Covered at 100% no copay	Reimbursed up to $200

Cigna | 1-800-CIGNA24 | mycigna.com

Cyient offers you a choice between two dental plans. This way, you and your family can choose a plan that best meets your specific needs. You can choose between a PPO Plan option or a DHMO Plan option. Both plans are offered through Cigna.

For a look at the plan comparisons, please click here.

To view the employee contributions for these plans, click here.

DPPO Plan

	DPPO Advantage In-network	DPPO (no balance billing)	Out-of-network
Calendar Deductible
Employee only	$50
Family	$150
Calendar Year Maximum	Increase your benefit maximum with annual preventive visits! Year 1: $1,000 Year 2: $1,100 Year 3: $1,200 Year 4: $1,300
Diagnostic and preventive	Oral exams, X-rays, cleanings, fluoride, space maintainers, sealants
	100%	90%	90%
Basic	Oral surgery, fillings, endodontic treatment, periodontic treatment, repairs of dentures and crowns
	80%	70%	70%
Major	Crowns, jackets, dentures, bridge implants
	60%	50%	50%
Orthodontia	Adults and Children
	Covered at 50%; $1,000 lifetime maximum benefit

DHMO Plan

DHMO	In-Network Only
Calendar Year Deductible	None
Calendar Year Maximum	None
Preventive Care	Covered at 100%
Basic Care	See Schedule of Benefits
Major Care	See Schedule of Benefits
Orthodontia	See Schedule of Benefits

Coverage tier	Cigna PPO	Cigna DHMO
Employee	$13.81	$10.89
Employee + Spouse	$26.08	$22.04
Employee + Child(ren)	$28.53	$28.52
Family	$41.33	$39.29

Dental Resourcesklavoie@lockton.com2024-02-14T20:47:07+00:00

Dental Resources

Plan Summary
Cigna DPPO Plan Summary
Cigna DHMO Plan Summary

ID Card
How to access your Digital ID Card

Vision

EyeMed | 1-866-939-3633 | eyemed.com

Your vision coverage provides a full range of care through the EyeMed network. You may receive care from any provider you choose, but your benefits will be greater when you see a participating, in-network provider. If you visit an out-of-network provider, you’ll need to pay for care up-front – and then file a claim for reimbursement from EyeMed.

For a look at the plan comparison, click here.

To view the employee contributions for the vision plan, click here.

Coverage tier	EyeMed Vision
Employee	$2.68
Employee + Spouse	$5.09
Employee + Child(ren)	$5.36
Family	$7.88

Vision Resourcesklavoie@lockton.com2024-02-14T20:49:15+00:00

Vision Resources

Plan Summary
EyeMed Plan Summary

ID Card
How to access your Digital ID Card

Flyers
EyeMed – Know Before You Go

HEALTH

Benefits Guide

Benefits at a Glance

New Hire Brainshark

Cyient | United Healthcare Health & Wellness Education Session is now available

Medical

Virtual Health

Virtual Primary Care

Virtual Visits

United Healthcare Tools

Supplemental Health Benefits

Dental

Vision

Want to stay up to date with your Cyient benefits? Text “CYIENT” to 443-748-1858