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Explore your 2024 Benefits

Read on to learn about your 2024 benefits.

Click here to view a list of enrollment FAQs.

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Your 2024 Benefit Package

In 2024, our medical, dental, vision, employee assistance program (EAP), and critical illness benefits will be provided by Cigna. Our life and disability benefits will be provided by Prudential.

 We are proud to offer a 100% paid employee benefits package. By selecting the Cigna HSA, Dental Low, and Vision plan—benefits are 100% free. For all other plans, you and FLYR share in the cost of health care premiums. While dental and vision employee contribution rates are decreasing, our 2024 medical contributions are changing. Be sure to carefully review this information when you log into PlanSource.

Medical Benefits

In 2024, our new medical carrier will be Cigna. The Cigna network covers 95% of the same health care providers as Blue Shield. There are three medical plan options through Cigna to choose from: 

  • Cigna Buy Up Plan

  • Cigna Base Plan

  • Cigna HSA Plan: This plan is 100% paid by FLYR. This is a high deductible plan with a Health Savings Account (HSA). To comply with IRS regulations, the in-network deductible will be adjusted to $3,200, the family deductible will remain the same. 

  • The Kaiser HMO plan will continue to be offered.

  • The EAP will also be offered through Cigna, you and your family members will have 3 free sessions to talk to a counselor on a number of issues. You do not need to be enrolled in a medical plan through FLYR to take advantage of this service. 

FLYR is happy to announce that we will contribute $50/month for employee-only coverage and $100/month for family coverage into your HSA. That's either $600 or $1,200 depending on your coverage level! 

Transition to Cigna 

Transition of Care 

If you are currently receiving care from a provider that is not in Cigna’s network, some medical conditions are eligible for Transition of Care (TOC) from your current, out-of-network provider at network rates for a limited time. Examples that may qualify for TOC include (but are not limited to): 

  • Pregnancy 

  • Ongoing chemotherapy or radiation therapy 

  • Transplant 

  • Previously scheduled major surgeries

  • Some scheduled dental work 

Routine care, chronic conditions, minor illnesses and elective surgeries do not qualify for TOC. 

You must apply no later than 30 days after the effective date of your coverage (January 31, 2024). Typically Cigna allows the transition to last 90 days (1/1/2024-3/31/2024). Cigna will review and evaluate your TOC and will send a letter informing you if your request was approved or denied. A denial will include information about how to appeal the determination.

Transition of Prescription Drugs 

  1. Refill your prescription(s) before your current plan ends to make sure you have enough medication while moving to your new Cigna pharmacy plan. 

  2. See how medications will be covered under Cigna. Click here to see if and what tier your medication is covered under, and if you must meet additional requirements before Cigna will cover it. 

    • If your medication needs approval, go to myCigna to get your medical ID card. Your doctor will need the information on the card.

    • Call your doctor’s office to let them know you’ve switched to Cigna, and provide your updated insurance information.

      • Let your doctor know your current medication needs pre-approval and they will need to contact Cigna ASAP.

      • Cigna will review the information and provide your doctor with a letter detailing next steps (typically 1-5 days).

Cigna Pre-Enrollment Assistance 

Call 888-806-5094 if you have specific benefit questions.

Cigna ID Cards

Your medical, dental, and vision plan ID cards will be available as digital cards only. You will not receive a physical copy. To obtain your ID card, you’ll need to log on to myCigna.com and download your digital card. You may also request a physical card via myCigna or by calling 888-806-5094. 

More info > Digital Cards FAQs 

Find and in-network provider or pharmacy 

  • Click here to get started

  • Enter your location and search by: 

    • Doctor 

    • Type of care 

    • Health facility (for specialized services including pharmacy) 

  • Select Open Access Plus, Open Access Plus Tiered to refine your search

More info > Find Cigna doctors and services

Dental & Vision Benefits

Our new dental and vision provider will be Cigna.

 

Dental coverage: You have two plan options. These plans are very similar to the Guardian dental plans. 

  • Dental Low—does not cover orthodontia and has an annual maximum of $1,500. 

  • Dental High—covers orthodontia and has an annual limit of $2,000. 

Please note that dental rollover provision will be terminated at the end of 2023. 

 

Vision coverage: The Cigna Vision Plan covers annual eye exams, as well as glasses or contacts. The plan offers greater reimbursements compared to the Guardian Vision Plan.

Spending Accounts

The 2024 contribution limits have not been officially released. We are sharing the projected contribution limits. We will update this information as it becomes available. 

Health Care FSAs

The annual contribution limit has increased to $3,200 for both general and Limited Purpose Health Care FSAs. Plan carefully—you may only carryover up to $640, all other funds will be forfeited.

Please be aware, you must enroll each year you wish to participate in a Flexible Spending Account (Health Care, Limited Purpose or Dependent Care) —prior elections for these accounts do not roll forward. 

Commuter Account

The maximum for parking and transit expenses will increase to $315/month. 

Income Protection Benefits 

Life, disability and leave benefits will be provided through Prudential. 

Voluntary Life and AD&D

Voluntary Life & AD&D: You have the option to purchase supplemental coverage for you, your spouse/domestic partner, and your child(ren) up to guaranteed amount with no EOI. 

Review the coverage options and cost of coverage when you log on to Plansource. 

Other Benefits 

We encourage you to review all your additional benefits and perks.

Accident and Hospital Indemnity Insurance 

These two plans will not be offered in 2024. They will terminate December 31, 2023. 

 

Critical Illness Insurance

This plan will be offered by Cigna in 2024. It provides financial protection if you, your spouse, or child are diagnosed with a covered critical illness. You are responsible for 100% of the cost. Cigna offers lower rates compared to Guardian. Review the cost of coverage when you log on to Plansource. 

Introducing Cigna 

This is a sneak peek of the tools provided by Cigna, and we plan to keep enhancing and adding to this resource. Stay tuned for further updates in the coming year!

MDLive 

Offers a suite of care options — by phone or video. MDLive doctors have an average of over 10 years of experience. MDLive is FREE for Cigna members, the deductible does not apply.

Click here to watch a short video on MDLive.

Cigna Wellness Programs 

Intro to Cigna

Ready to enroll?

Complete your enrollment online between November 1-15.

This year, you must take action and select your benefits. If you do not take action, you will not have medical, dental, vision, or FSA benefits through FLYR in 2024.

Go directly to PlanSource or see our step-by-step Open Enrollment Checklist

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