The medical program provides the framework for good health and well-being. Two plans are offered through Cigna Healthcare – the Point of Service (POS) plan and the Health Reimbursement Account (HRA) plan.
Both plans include MIHS facilities, such as Maricopa Medical Center (MMC), Comprehensive Health Center (CHC) and Family Health Centers (FHC), and providers as part of Cigna’s network.
The POS plan requires the employee to select a Primary Care Physician (PCP) to facilitate the most cost effective services and treatments. The POS plan has a large network of providers and gives the employee freedom to use out-of-network providers at a reduced benefit level.
The HRA plan provides employees the freedom to manage the cost of their care while offering a larger network of providers, which includes out-of-network services at a reduced benefit level. For more information, please read 2013 - 2014 Benefit Guide
Dental - EDS
You select a Primary Care Dentist from the EDS network for your family. The Employers Dental Services (EDS) Plan is a prepaid dental plan that offers the convenience of a fixed copayment schedule for utilizing the plan’s contracted DHMO providers and facilities.
Dental - MetlLife
The MetLife Dental Plan gives you the freedom to choose either a participating dentist or an out-ofnetwork dentist. There are considerable cost savings when using a dentist who is in the MetLife PDP network.
You have joined millions of people who use Avesis to meet their
vision care needs. This program has been specifically designed to
provide you and your covered family members with quality,
professional vision care, all at a tremendous savings to you! More...
STD / Critical Illness / Accident Plan
Because none of us can see into the future, MIHS offers supplemental benefit products to assist us when the unexpected happens. Benefits offered through Continental American Insurance Company (CAIC), are supplemental products, which offer the following benefits;
- Short-Term Disability offers replacement income at 60% of our base pay up to a maximum of $2500 per week for up to 26*-weeks if we become disabled due to injury or illness. *Please note the plan does not covered work related injuries or illnesses.
- Accident Insurance brings relief to employees and their dependants by paying a fixed amount for injuries that may occur at work or at home. Please see the CAIC brochure for examples of the types of injuries and the payments associated with the injury.
- Critical Illness coverage offer relief to employees and their covered dependants for major illnesses. Please see the CAIC brochure for a complete list of diseases covered.
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