Medical Overview

Medical coverage offers valuable benefits to help you stay healthy and pay for care if you or your covered family members become sick or injured.

Chenega offers you a choice of medical plans with a range of coverage levels and costs, so you have the flexibility to select the option that’s best for you.

These medical plans offer comprehensive coverage. In addition, you may be able to enroll in supplemental coverage for extra protection from large or unexpected medical expenses. As you go through the enrollment process, you’ll be able to view the specific coverages available to you.

New to Chenega and need help deciding?

Visit Mercer Marketplace 365+ to use the Expert Guidance tool. You will be asked a few questions and the tool will offer a “best match” benefits package based on your responses. You can also use the Live Chat feature to get help from a virtual assistant.

You can also check out the Health Plan Comparison tool to review fictional examples and find a profile that is closest to your situation.

For support following a qualifying life event:

Speak with a licensed benefit counselor by phone at 888-281-3534 from 4 a.m. to 7 p.m. Pacific Time Monday through Friday and Saturday, 7 a.m. - 11 a.m. Pacific time.

 

What’s Included?

Chenega’s medical plans include:

  1. Prescription drug coverage. Prescription drug coverage comes with each plan and is provided by your medical plan.
  2. Free in-network preventive care. Services like annual physicals, recommended immunizations and routine cancer screenings are fully covered at 100%. That means you pay nothing.
  3. Annual deductible. Depending on the plan you choose, you may have to meet your annual deductible before the plan starts to pay for most medical and prescription coverage.
  4. Coinsurance. Once the deductible is met, you and the plan share any further health expenses until you meet your out-of-pocket maximum. This is known as coinsurance.
  5. Out-of-pocket maximum. Each plan protects you by capping the total amount you’ll pay each year for medical care. Once you meet your out-of-pocket maximum, the plan pays 100% of your eligible expenses for the rest of the year.
It’s the law

As part of the health care reform law, most Americans must have medical insurance. Be sure you’re covered, either through your employer-sponsored plan or through another option available to you such as your spouse/domestic partner’s employer benefits or a government program like Medicare or Medicaid.

 

Compare the Plans

Each medical plan available to you offers different coverage levels, allowing you to choose the one that best fits your needs. We encourage you to take the time to carefully consider all your options before making your selection for the coming year. Use the Health Plan Comparison tool to review fictional examples of employees and their medical coverage needs and find a profile that is closest to your situation.

Detailed plan information, including benefit levels and payroll contributions, is available on the Mercer Marketplace 365+ website. As you go through the enrollment process, you’ll have the opportunity to compare the plans and see the specific features they offer. You can also use the Expert Guidance tool to find your “best match” benefits package, or you can live chat with a virtual assistant.

Depending on where you live, you may also have a choice of carriers. It’s important to check the provider network for each carrier before making your choice. You can look up in-network providers on the carrier websites.

Please visit the Mercer Marketplace 365+ website to see your complete benefit option details. You can also speak to a licensed benefit counselors by phone at 888-281-3534 from 4 a.m. to 7 p.m. Pacific Time Monday through Friday and Saturday, 7 a.m. - 11 a.m. Pacific time.

See your best match

The Mercer Marketplace 365+ website will show you costs and coverage for each plan and help you decide.

Talk the talk

See a term you don't know? Use this fun, interactive dictionary to understand the language of health care.

 

Find a Doctor

Using in-network providers saves you money. Here’s how to find doctors in your medical plan network.

BCBS — Premera

  • Visit the Premera website.
  • Click “Find Care” on the middle/upper tab and select “Find a Doctor”.
  • Click “Search all plan networks”, then “Just browsing?” or sign in using your Premera account.
  • Search by your location first, then browse by category or search for specific names or specialties.
  • Use filters to get more specific results.

Aetna

  • Visit the Aetna Find a Doctor page. If you're a member, log into your account.
  • To continue as a guest, select “Plan from an employer” on the “Guest” tile.
  • Enter your location.
  • Under “Select a Plan,” choose “Aetna Choice POS II (Open Access).” This will be located under the header “Aetna Open Access Plans.”
  • Employee must log-in first before they can search for a Doctor. Recommend flipping the 2nd and 3rd bullets so that the steps are in order.

Kaiser

  • Visit the Kaiser website.
  • Click “Doctors & Locations” and select your location.
  • Select your region.
  • Search by location and choose the type of provider you’re looking for.

Cigna International

  • Visit the Cigna Global website and select “I do not have a Cigna ID/pre-assignment tools.” Log in with your client ID number and password below.
    • Client ID: CHE04751A
    • Password: 04751ACHE
  • After you accept the terms of use, you will be taken to the pre-assignment assistance questionnaire.

Cigna Global provides international coverage for members living abroad and coverage for members who have moved back into the United States (called stateside coverage). If you are an expatriate on COBRA who experiences an address change, please contact 877-248-0510 Option 1, 8am – 8pm ET to update your records.

HMSA

Don’t have a personal doctor? You should. Here’s why.
  • Better health. Getting the right health screenings each year can reduce your risk for many serious conditions. In-network preventive care is free, so there’s no excuse to skip it.
  • A healthier wallet. Having a doctor you can call helps you avoid costly trips to the emergency room and decide when you really need to see a specialist.
  • Peace of mind. Advice from someone you trust... it means a lot when you’re healthy. It’s even more important when you’re sick. Your doctor gets to know you and your health history and can help coordinate any care you need.
Questions

If you have questions, call a Mercer Marketplace 365+ benefit counselor at 888-281-3534.