Decision Support

Choosing the right plans matters to your health and your financial wellbeing. Use these resources to learn more about your benefits and select the best options for you and your family.

• Mosaic's Virtual Benefits Fair - Explore supplier booths to learn more about your benefit options at any time. Find support from suppliers and submit questions to Mosaic's HR team.
• You can also read our handout and watch our benefits video!

Questions? If you have unanswered questions or need help enrolling, contact HR Connect at 1-855-660-6947.

Use this checklist to help you enroll in your benefits.

• Learn about your benefit options on this website! And, be sure to read our handout and review our benefits video.
• Think about your coverage needs, including how much health care you anticipate needing and whether your current level of life insurance provides enough protection.
• Make sure your dependent information is correct in Workday and all your dependents are eligible. If you are adding a new dependent to coverage, you will be required to submit verification documents within 60 days of when your coverage begins.
• Consider your FSA and HSA contribution amount and re-enroll if needed. Select an amount that will help you pay for your anticipated health care expenses with tax-free money. Learn how these accounts save you money.
• Enroll in the Health Savings Account (HSA) if you've enrolled in the Consumer Medical Plan. You must enroll in the Health Savings Account - Employer Contribution plan to receive Mosaic's contribution to your account.
• Review your beneficiaries. Review your life insurance beneficiary information during the enrollment process (especially if your life situation has changed) and take this opportunity to make updates as needed. Don’t forget your 401(k) beneficiary, too, which requires logging on to the Fidelity website.
• Mosaic is offering employees the opportunity to receive electronically, Health and Wellness notices about your employee benefits. Please go to Mosaic Connect and search "Electronic Health and Wellness Consent" to take action.

Overwhelmed by all your health plan options? Cigna Easy Choice Tool with One Guide helps you choose the health plan that's right for you. Click here to get the support you need. You will need the following code to access the tool: ZRH9UANP.

1. How are the medical plans different?

   The key difference between the plans is how much you pay in premiums and how much you pay for services throughout the year. Think about if you would you rather pay more from your paycheck for a medical plan that covers more of your costs when you need care, or pay as little as possible from your paycheck — even if that means bigger bills when you need care? Compare the plans here.

2. What’s the difference between the Health Care Flexible Spending Account (FSA) and the Health Savings Account (HSA)?

   The way the Health Care FSA and the HSA work is largely the same — you contribute to your account through automatic, pre-tax payroll deductions, then use the money to pay for eligible health care expenses. However, there are some important differences. For example, unlike an FSA, all the unused money in an HSA rolls over year after year and is always yours to keep. And, you can change your HSA contribution amount during the year whenever you want. Compare the accounts here.

3. I have questions about my medical benefits. Whom do I contact?

   Call Cigna at 1-800-244-6224 if you have questions about your medical plan options and want help making the right choices for your needs and budget. You can also visit the Cigna Easy Choice Tool (Access Code: ZRH9UANP).

4. Where do I go for my personal health screening?

   There are several ways to complete your personal health screening to earn a wellness incentive – screenings can be completed at our Wellness Fairs. Click here to learn more and register for your personal health screening!

   You can also complete your personal health screening with a personal physician, convenience care clinic, Quest lab or at home using a Quest Lab Kit. Click here for more information.

   For an in-network location near you, call Cigna at 1-800-244-6224.

5. How do I get my wellness incentive?

   Employees and spouses/domestic partners who are enrolled in a Mosaic health plan have an opportunity to earn up to $500 in payroll wellness incentives – plus additional pulse cash – by completing wellness incentive activities. There are many activities to choose from, including tracking your exercise and completing a preventive visit with your doctor. If you haven’t registered, go to join.virginpulse.com/mosaicwellness to get started.

• Coinsurance – after you meet your deductible, the plan pays a percentage of the remaining covered-expenses. This amount is “coinsurance.”
• Copayment – flat dollar amounts that you pay for doctor’s office visits and for generic or brand name prescription drug purchases. Copays do not count towards deductibles.
• Deductible – the amount you must pay before the plan’s coinsurance benefits begin.
• Dependent Care Flexible Spending Account (DCFSA) – a tax advantage spending account that can help you pay dependent care expenses on a pre-tax basis.
• Evidence of Insurability (EOI) – Life insurance over a certain amount may require evidence of insurability (EOI), or proof of good health, which involves answering questions about your health.
• Guarantee Issue – Guarantee Issue means you are not required to answer health questions or undergo a medical exam to qualify for coverage. Click here for more information.
• Health Care Flexible Spending Account (HCFSA) – a tax advantage spending account used for out-of-pocket medical, dental, and vision expenses that you contribute to on a pre-tax basis.
• Health Savings Account (HSA) – a savings account that allows you to set aside pre-tax dollars deducted from your paycheck to pay for qualified non-reimbursed healthcare expenses, e.g., copays, deductibles, and coinsurance.
• In-Network – health care facilities or providers who are members of your health plan.
• Inpatient – a service is considered inpatient when received by a patient who stays in a hospital while under treatment.
• Out-of-Network – any doctors, hospitals or other health care providers considered non-participants by your plan. Depending on your plan’s guideline, services provided by out-of-network providers may not be covered, or only covered in part.
• Out-of-Pocket Maximum – the maximum amount you may have to pay in a calendar year. Plans may have an Individual and/or Family Out-of-Pocket Maximum amount.
• Outpatient – a service is considered outpatient when received by a patient who is not admitted to a hospital.
• Point of Service (POS) – a type of medical plan in which members receive lower medical costs in exchange for a more limited choice of network providers, but members also may seek out-of- network care.
• Premiums – a fixed amount that you automatically contribute from each paycheck for coverage under a plan. Premiums can vary widely by the type of plan you choose. To see your premiums, go to My Mosaic.
• Preventive care – services that are covered at 100% and are not subject to the deductible when you use in-network providers. This includes, but is not limited to:
  • Adult well visits/physicians
  • Immunizations
  • Mammograms
  • Oral contraception
  • Well-child visits
• Routine Care – care from your Primary Care Physician, or PCP, such as treatment for a sore throat, colds, flu, back pain or tension headaches.