• If your visit has a copay, you’ll pay that flat amount at the time of your appointment.
• Your doctor will submit your claim to Cigna.
• You will receive an Explanation of Benefits (EOB) from Cigna that shows the discounted charges and the amount you need to pay. Your payments, including copays, count toward your out-of-pocket maximum. Payments other than copays also count toward your deductible.
• Cigna then shares this information with your doctor, and you’ll be billed for any remaining balance.
• You can use HSA or FSA dollars to pay your copay or bill, or pay out-of-pocket.

• At the point of sale, you will pay the negotiated price of the drug, which will apply towards your annual deductible.
• Once you’ve reached your deductible, you will pay a smaller portion of the cost (coinsurance percentage), which will continue until you reach your out-of-pocket maximum.
• Costs of prescription drugs are eligible expenses to be paid with either an HSA or FSA, if you choose to enroll in either of these benefits.

• Express Scripts will reach out directly to anyone who currently has a prescription with a prior authorization, as well as anyone whose medication may be affected by the change, they can be contacted at 877-826-7657.
• Learn more about Specialty Drugs here.

1. Go to Cigna.com and select “Find a Doctor.”
2. Select “Employer or School” under the coverage options.
3. Enter your location (city, state, or ZIP code) and continue.
4. Select “Continue as guest.”
5. Choose “Open Access Plus, OA plus, Choice Fund OA Plus” as your medical network.
6. Search for providers by name, specialty, or type of care, or search for hospitals and other facilities by location.

TextCare is a dedicated virtual primary care service available exclusively to RaceTrac, Inc. medical plan enrollees and their families. This program powered by One to One Health offers on-demand support for your health and medical questions as your first point of contact —at no cost to you. If your needs cannot be addressed virtually, your care team will guide you to an appropriate in-person provider.

1. Round the Clock Availability: Assistance is available 24 hours a day, 7 days a week. All you have to do is send a text to 404-800-6338.
2. Dedicated Care Team: RaceTrac, Inc. team members have access to a dedicated care team who knows you personally and works together to handle all of your primary and acute care needs. Meet RaceTrac, Inc.’s TextCare Provider, Alex Mullin, PA-C, by reading about her on the Benefits Guide.
3. Personal & Household Coverage: Enrollees of the RaceTrac, Inc. medical plan and their households can utilize this program. TextCare interactions are always free.
4. Proactive Care Management: Your care team can help you actively manage chronic conditions like diabetes, asthma, and heart disease.
5. Specialty Referrals: If necessary, your care team can refer and escalate your treatment to an in-person specialist.