So, you’ve heard of the Cigna Telehealth Connection, but
want to know more about how it actually works?
That’s a fair question and there is a helpful video available to demonstrate one of Cign'a Telehealth Connection partners, MDLive
Accessing a certified physician 24/7/365 is a two-step process that is quick, convenient and can provide some real relief for minor medical situations long after your PCP’s office has closed.
And, the cost savings are clear when it comes to avoiding the high charges that come with visits to an urgent care outlet or to an emergency room.
And, don’t forget the Cigna Telehealth Connection’s other partner, Amwell too!
They’re both great options and available to you as a benefits-eligible employee of the
University of Maine System
Log in to myCigna.com, click on “Review My Coverage” and click on your Employee Assistance Program
Improved design and navigation for
work/life resources content
Yes, it’s true…all the employee assistance services you’ve come to count upon for support and information have a new home, but it’s all about location, location, and location now that EAP is housed within the myCigna.com web site.
Trouble logging in? Cigna has that covered too with their “Help Desk” available at 1-800-853-2713 or feel free to use the chat option as well.
Your Employee Assistance Program, (EAP)… a new address, but still your neighbor!
Savvy shoppers know how to get the best deals when buying a new phone, booking a flight or using coupons at the store. Health care is another big expense you might target for trimming costs, but it’s more complicated. There are multiple layers to peel back to understand the costs and find ways to save money. Here are some ways you can get started.
Make the most of your health insurance.
Find out what’s covered before you need to use it. Also be sure to find
doctors in your plan’s network, and ask for medications covered on your plan’s
list of approved drugs. If you’re unsure about coverage, call your insurance carrier for
Ask questions in the doctor’s office.
Learn more before moving forward with tests or treatments. It’s okay to
ask your provider if a test is necessary. Don’t hesitateto let your doctor know if
you’ve had the same test already with another provider. Be sure to ask your
provider if there’s a generic version of the medication
you’ve been prescribed.
Compare the cost of care.
Ask how much a specificservice, test or treatment will cost. This is particularly
important if you have a high-deductible plan whereyou pay a significant
amount for your health care outof pocket.
Take advantage of preventive care.
See your healthcare provider for regular health screenings and vaccines.
Doing so can help keep illness at bay or catch a problem
at its earliest, most treatable and least expensive stage.
Shop around for prescription drugs.
The prices for certaindrugs may be higher or lower at different
pharmacies. If you have a health plan, you will usually have lower
out-of-pocket costs if you use a pharmacy in your plan’s
network. Also, using generic medications instead of
brand‑name drugs (when available) can help you
Get your care at the right place.
You can save time and money by choosing the right level of care for your
situation. For serious medical issues that are not a trueemergency (not life-threatening), consider using anurgent care facility. For minor issues,
see if your primary care provider is available or consider using a convenience
care clinic. If you have a health plan, you may also have access to telehealth services which can be an affordable alternative when your doctor isn’t available.
Use 24-hour health information services.
Take advantage of this service if it’s available to you. With one easy phone call, you can talk to an experienced nurse who can help you decide whether your condition
warrants a trip to the doctor’s office or emergency room.
This is intended to be general health information and not medical advice or services. You should consult your doctor for medical advice or services, including seeking advice before undertaking a new diet or exercise program.
All Cigna products and services are provided exclusively by or through operating subsidiaries of Cigna Corporation, including Cigna Health and Life Insurance Company, Connecticut General Life Insurance Company, Cigna Behavioral Health, Inc., Cigna Health Management, Inc., and HMO or service company subsidiaries of Cigna Health Corporation. The Cigna name, logo, and other Cigna marks are owned by Cigna Intellectual Property, Inc. All pictures are used for illustrative purposes only.
904733 04/18 © 2018 Cigna. Some content provided under license.
Level II Wellness Webinars from Your TrestleTree Health Coaches
Whether you are curious about a health topic, looking for more information, trying to understand how you can make healthy lifestyle changes, and/or interested in meeting your Level II incentive, join TrestleTree for these upcoming live webinars with your Health Coaches. Aimed at helping you understand and improve your health, look for practical and useful ideas that can be tailored for your own life!
Diabetes and Pre-Diabetes: Moving Beyond Knowledge into Action
Tuesday, March 27th 1:00-2:00pm ET
Understand more about diabetes and pre-diabetes, as well as learn key strategies for lifestyle changes to lower your risk. Don’t be content just being aware - learn how you may be able to take action to lower your risk. Topics will include the risks and symptoms of diabetes and pre-diabetes, as well as how nutrition, exercise, emotional/mental health and medication can all play a role.
Join your TrestleTree Health Coach, Lynn Bauer, RN, CDE, for this live webinar. Click on the link below to Register, or call 1-855-580-2797 with questions. We look forward to partnering with you for better health!
Join us for future Level II Wellness Webinars from your TrestleTree Health Coaches aimed at keeping you focused on your health year-round:
Musculoskeletal Health: Not So Much a Pain in Your Neck
Thursday, June 14th 2:00-3:00pm ET
Look for registration news in upcoming Healthy & Maine newsletters to join your TrestleTree Health Coach, Kyle St. Peter, B.S., for this live webinar.
Cardiovascular Health: Loving Your Health and Taking Care of You
Thursday, September 20th 2:00-3:00pm ET
Look for registration news in upcoming Healthy & Maine newsletters to join your TrestleTree Health Coach, Lynn Bauer, RN, CDE, for this live webinar.
Depression: One Step at a Time
Tuesday, November 13th 1:00-2:00pm ET
Look for registration news in upcoming Healthy & Maine newsletters to join your TrestleTree Health Coach, Hilary Freeman, RD, LD, for this live webinar.
In the coming months, your Healthy & Maine newsletter will provide helpful tips on how to take advantage of your self-service source, MaineStreet.
You’ll want to pay special attention because later on in 2018, the MaineStreet platform will receive a significant upgrade featuring even greater convenience and access for each employee as you seek to maintain your information and accounts, track leave balances, and submit time sheets for approval, etc.
Something that won’t ever change is the need to maintain an updated beneficiary designation on your University of Maine System insurance policies. Life events can have a big impact on your preferences and it’s a good idea to name, change, or confirm your beneficiaries at least once a year.
Enter MaineStreet via your UMS Employee Portal:
Click MaineStreet on the top row of the button array
Click Employee Self-Service
Click Benefits Summary
Click Life, Supplemental Life, AD & D, (Employee always beneficiary for child and spouse)
Click Edit, (make your changes if any)
Remember, for your TIAA beneficiaries, you will need to log into your account at TIAA.org. Under My Account, select Change Beneficiaries from the Profile section. From there, you can designate beneficiaries and select how much each should receive. If you prefer, you can complete a paper form and return it by mail. To have a form mailed to you, call TIAA at 1-800-842-2252.
And remember, you can change your UMS Life Insurance or TIAA beneficiaries at any time.
Ensure Your Prescriptions Are Not Interrupted
As you may know, the merger of Walgreen’s and Rite-Aid did not move forward to completion, but in the aftermath of the deal being terminated, Walgreen’s did purchase half of Rite-Aid’s stores, almost 2,000 locations, many of them in the northeast and in Maine.
Locally, that means that at some point in near the future, Maine will no longer have any Rite-Aid pharmacies and eventually those who had filled their prescriptions at Rite-Aid will need to transition to an appropriate Walgreen’s pharmacy.
Currently, Cigna, the University of Maine System healthcare plan provider, believes that the Rite-Aid and Walgreen’s data banking will be configured in such a way that previous prescriptions will be honored.
Important Note: Cigna will provide coverage with Walgreen’s customers just as it supported Rite-Aid customers. However, employees should check with their local pharmacy to ensure that the prescription is in place with Walgreen’s moving forward to avoid any interruptions or issues of accessibility.
Depending upon your individual circumstances and location, this may be an exceptionally good time to consider Cigna’s Qwik-Switch feature to home delivery. For more information, please call Cigna Home Delivery Pharmacy at 800-285-4812.
In December, 2017, Cigna distributed updated ID cards and as noted in a previous correspondence, duplicate sets were also included in error.
Please destroy any duplicates if you have not already done so as they include the very same information as your ID card or keep them in the event you lose your ID card or it becomes worn or damaged.
But before slipping your card back into your wallet, please take a moment to note that effective January 1, 2018, as a result of collective bargaining, some copays in the CIGNA Copay Plan may vary by bargaining unit or non-represented status. Note the sample here and your copays appear on the right side of the ID card sent by CIGNA under the UMS logo and are applicable to your respective bargaining unit or non-represented status.
And don’t forget that customer service telephone number on the back of the card too. When you call 1-800-244-6224, a customer service representative can help you find a provider or service that fits you and your plan. You can connect to a health coach to manage your health, feel better, or manage a condition. You can check with a pharmacist about your medications and any potential interactions to be aware of, access the nurse line or find out more about telehealth.
Cigna is there to help.
If one of your New Year's resolutions is to become more active in your preparations for retirement, the latest TIAA checklist sent earlier this month has some outstanding suggestions on ways to make that happen
Talk to a financial consultant
A TIAA financial consultant can review your retirement finances and help you with a plan for moving closer to your goals....
Or get education and advice online with the Retirement Advisor tool.
Either way, the experience may move you closer to where you want to be in planning for your retirement from the University of Maine System.
Call 866-861-8363 or visit online to schedule an appointment with a financial consultant.
To use use the Retirement Advisor Tool.
Plan for enough income in retirement
How do you know if you're on track for the income you will need in retirement? Create your own Retirement Budget to see what your income and expenses might look like.
Start a family conversation about your financial goals
Talking about money and inheritance with parents, children, or relatives can be a challenge. But it may help protect your family's financial future.
Watch TIAA's short video on family meetings
For directions on how to update your email address or communications preferences,please go to TIAA.org/MyAccountnav.
Add TIAA@e.tiaa.org to your address book to ensure that you receive emails from TIAA.
Concerned about privacy? Read TIAA s online policy.
The TIAA group of companies does not provide tax advice. Please consult your own
Investment, insurance and annuity products are not FDIC insured, are not bankguaranteed, are not deposits, are not insured by any federal government agency,are not a condition to any banking service or activity, and may lose value.Investment products may be subject to market and other risk factors. See theapplicable product literature, or visit TIAA.org for details.This material is for informational or educational purposes only and does not constitutea recommendation or investment advice in connection with a distribution, transfer orrollover, a purchase or sale of securities or other investment property, or the managementof securities or other investments, including the development of an investment strategy orretention of an investment manager or advisor. This material does not take into account any specific objectives or circumstances of any particular investor, or suggest anyspecific course of action. Investment decisions should be made in consultation with an investor’s personal advisor based on the investor’s own objectives and circumstances.
TIAA-CREF Individual & Institutional Services, LLC, Teachers Personal Investors Services,Inc., and Nuveen Securities, LLC, Members FINRA and SIPC, distribute securitiesproducts. Annuity contracts and certificates are issued by Teachers Insurance andAnnuity Association of America (TIAA) and College Retirement Equities Fund (CREF),New York, NY. Each is solely responsible for its own financial condition and contractual
©2017 Teachers Insurance and Annuity Association of America-College RetirementEquities Fund, 730 Third Avenue, New York, NY 10017
Need to Save for Retirement or
Want to Contribute More?
Calendar 2018 Annual Voluntary Tax-Deferred Annuity Eligibility Notice
The University of Maine System offers employees the opportunity to save for retirement and supplement basic pension benefits by making contributions on a pre-tax basis, saving Federal and State taxes. Contributions may be made up to the maximum permitted by the Internal Revenue Code [Section 403(b) and 415] with TIAA-CREF. See below for further information. To find out who is eligible, how to enroll or make changes to your plan, go to the UMS employee portal www.myyms.maine.edu, under Human Resources/Employee Information/Benefits headings.
If you are currently participating in the University of Maine System’s 403(b) plan with TIAA-CREF, you may be able to save even more for retirement by increasing your pre-tax contributions.
HOW MUCH CAN I CONTRIBUTE?
In general, you may elect to contribute up to $18,500 in calendar year 2018. This amount is the general limit on what you can elect to defer under the 403(b) plan and may be adjusted annually in accordance with Internal Revenue Service (IRS) guidelines. Additional catch-up contributions may be permitted if certain criteria are met. Specifically, if you are at least age 50 (or will turn age 50 during the calendar year), you may defer an additional $6,000 contribution, which is referred to as a catch-up contribution.
This means that if you are under age 50, you may contribute a maximum of $18,500 in calendar 2018; if you are age 50 or older or will turn age 50 sometime during calendar year 2018, you may contribute a maximum of $24,500 ($18,500 plus $6,000 age 50 catch-up).
WHAT DO I HAVE TO DO TO CONTRIBUTE TO THE 403(b) PLAN?
To begin pre-tax contributions or to change your current pre-tax contributions, please complete your elections online in MaineStreet. If you do not have access to a computer, contact the Employee Benefits Center (EBC) at (866) 269-9635 and complete a Salary Reduction Agreement. You may change your 403(b) contributions during the calendar year. In addition, you must also establish an account directly with TIAA-CREF, the sole record keeper. You may, of course, keep your contributions at their current level.
All UMS employees who are eligible to tax-defer income under the 403(b) plan are also eligible to defer under the University’s 457(b) plan. While the 457(b) plan operates similarly to any other tax-deferred voluntary option relative to deferral of federal and state taxes, IRS regulations currently permit you to defer the calendar year maximum under each plan. The 457(b) calendar maximums are the same as the 403(b) limits above. Therefore, if you are under age 50, you could defer a total of $18,500 in the 403(b) plan and $18,500 in the 457(b) plan; if you are age 50 or older or will turn age 50 sometime during the calendar year, you could defer a total of $24,500 in the 403(b) plan and $24,500 in the 457(b) plan. To begin or change contributions under the 457(b) plan, please complete your elections on line in MaineStreet. If you do not have access to a computer, contact the EBC at firstname.lastname@example.org or (866) 269-9635 and complete a Salary Reduction Agreement.
The University of Maine System does not provide legal, tax, or financial advice. Employees are encouraged to contact their financial representative or tax professional.
So much to keep in mind and so much to remember when it comes to managing your UMS benefits, but now there is a great way to stay connected to baseline information as well as the latest developments.
It’s the UMS Office of Human Resources Comprehensive Benefits Overview webinar powered by Zoom; an interactive forty-five minutes that guides you through the important aspects of your benefits and also fields your good questions at the same time.
Offered on a monthly basis beginning January 23, 2018, the webinar will:
If you have just come on board since December 1, 2017, look for your special invitation to register for the webinar.
If you aren’t a new employee, but want to participate, email email@example.com and an invitation will be coming your way shortly for the next available webinar.
Time an issue? You can access the presentation at any time and watch or listen at your own convenience. The webinar begins approximately one minute into the presentation.
Staying current with your University of Maine System benefits
has never been easier!
Contact Your Employee Benefits Center
firstname.lastname@example.org or 866-269-9635