Medical Overview

:company: offers three medical plans, giving you flexibility to choose the right coverage for your unique needs.

2018 Medical Plans

Take time to review your plans and consider how your family uses medical services. Choosing the right coverage for your budget and lifestyle will improve your overall well-being—and may help you save money.

All Western Union medical plans:

Give you comprehensive coverage, including preventive care covered at 100% and prescription drug coverage.
Have an out-of-pocket maximum—a feature that limits what you pay in any year if you have large medical expenses.
Offer the choice to see any licensed provider—but you receive the highest level of coverage when you choose one from your plan’s Cigna network.

Which Plan is Right for You?

Our medical plans vary by provider network, how much you pay each paycheck and what you pay when you get care. The chart below shows an overview of your plan options so you can start seeing how the plans might fit your budget and the way your family uses health care.

	Carlisle HSA Plan	Carlisle HRA Plan
Account Ownership	You decide when to use the funds for eligible out-of-pocket expenses. It’s yours when you retire or leave the plan	Funds are held in your name and used to pay claims (by the insurance company) while you are in the plan
Annual Carlisle Contributions*	Individual - $750 You + 1 dependent - $1,500 You + 2 or more Dependents - $2,000	Individual - $500 You + 1 Dependent - $1,000 You + 2 or more Dependents - $1,500
Your Voluntary Annual Contributions	Individual - up to $3,500 less Carlisle contributions You + 1 or more dependents - up to $7,000 less Carlisle contributions	Not Eligible
Your Catch-up Contributions	$1,000 at age 55 or older	Not available
Investment Options	You may invest in mutual funds if you have $2,000 in account; earnings are tax-free	Not Available
	Not Eligible for Health Care FSA	Use It or Lose It
Optional Health Care Flexible Spending Account (FSA)	You cannot contribute to or receive employer contributions in an HSA account if you have a Health Care FSA account balance.	You can contribute up to $2,650 to pay eligible out-of-pocket expenses incurred within the calendar year.

Compare your medical plans

Need More Coverage?

To supplement your medical coverage, Western Union offers additional voluntary insurance options through Cigna—critical illness, accident, and hospital indemnity insurance. They help protect you from significant expenses not covered by your medical plan. Learn more about your Supplemental Medical options.

Compare Your Medical Plans

How do you use medical coverage? What’s most important to you? Compare the key features of your medical plan options in the chart below. For complete details, please see your :benefitguide:.

	Carlisle HSA Plan and Carlisle Medical Plan
	IN-NETWORK	OUT-OF-NETWORK
Calendar Year Deductible
Individual	$1,500	$3,000
+1 Dependent	$3,000	$6,000
+2 or more Dependents	$4,000	$8,000
Calendar Year Out-of-Pocket Maximum (Includes Deductible)
Individual	$3,000	$6,000
+1 Dependent	$6,000	$12,000
+2 or more Dependents	$8,000	$16,000
	*No more than $6,650 per individual in a family
Lifetime Maximum	Unlimited
	You pay
Preventive Care	$0	40%*
Primary Care Physician	20%*	40%*
Specialist	20%*	40%*
Urgent Care	20%*	20%*
Emergency Room	20%*	20%*
Pharmacy
Retail RX (up to 30-day supply)
Tier 1	20%*	40%*
Tier 2	20%*	40%*
Tier 3	20%*	40%*
Mail Order RX (up to 90-day supply)
Tier 1	20%*	Not covered
Tier 2	20%*	Not covered
Tier 3	20%*	Not covered
* After deductible

$1,850 and $2,850 Deductible
Plans with HSA

The $1,850 and $2,850 Deductible Plans are offered through Cigna. These plans are suited for people who like to pay less in monthly contributions and more when they receive care.

Both plans:

Include free in-network preventive care and cover the same services as the $400 Deductible Plan.
Have higher deductibles in exchange for lower paycheck contributions than the $400 Deductible Plan.
Allow you to open your own tax-free Health Savings Account (HSA). Your HSA lets you save pre-tax dollars to pay for your eligible health expenses anytime, even in retirement. Western Union makes a contribution to your HSA to help you cover costs, too.

Here is how the $1,850 and $2,850 Deductible Plans with HSA are different:

The $2,850 Deductible Plan has a smaller network of Cigna doctors and medical providers. Before choosing this plan, check Cigna.com and select the LocalPlus Network from the medical plan drop down to see if your doctors are in the Cigna LocalPlus Network. You save money when you use Cigna LocalPlus Network providers.
What you pay when you get care. Compare your plans.
How much you pay each month. Review your 2018 monthly costs.

How the Plans Work

The $1,850 and $2,850 Deductible Plans with HSA are consumer-driven health plans that combine traditional health coverage with a Health Savings Account (HSA) that you and Western Union can contribute to in order to help you pay for your eligible medical expenses.
Any money left in your HSA at the end of the year will remain in your account. That money is yours to keep, even if you leave Western Union.

When You Receive Care

You may use any licensed provider, but you save money when you use providers in your plan’s Cigna network.
You pay the full cost of most medical and prescription drug expenses until you pay your deductible amount.
After you have met the deductible, you will pay a percentage of the cost (coinsurance) for each service until you reach the annual out-of-pocket maximum.
Once you have met the out-of-pocket maximum, the plan pays most services at 100% for the rest of that plan year.

Use your $1,850 or $2,850 Deductible Plan wisely

Here are tips to help you become a better health care consumer:
Stay in-network and save money—find Cigna Open Access Network providers ($1,850 Deductible Plan) or Cigna LocalPlus Network providers ($2,850 Deductible Plan). Go to cigna.com to search for in-network doctors.
Compare costs and quality rankings in your area—before you get care, visit cigna.com or the myCigna Mobile App to find the best care in your area.
Practice preventive care—your Western Union medical plans cover in-network preventive care, like physicals and recommended screenings, for FREE.
Consider enrolling in the :marketplace: HUB^SM—a voluntary benefit that provides you with one-on-one support to help you improve the quality and cost of your care.

$400 Deductible Plan

The $400 Deductible Plan is offered through Cigna. It’s a more “traditional” type of PPO plan—suited for people who like to pay more in monthly contributions and less when they receive care.

The $400 Deductible Plan:

Has a lower deductible and higher paycheck deduction than the $1,850 and $2,850 Deductible Plans.
Is not compatible with an HSA
Covers the same services as the $1,850 and $2,850 Deductible Plans, including free in-network preventive care.
Uses the Cigna Open Access Network—the same network of providers as the $1,850 Deductible plan with HSA.

How it Works

When you receive care

You may use any licensed provider, but you save money when you use providers in the Cigna Open Access Network.
You pay the full cost of most medical expenses until you pay your deductible amount.
After you have met the deductible, you will pay a percentage of the cost (coinsurance) or a small copayment for each service until you reach the annual out-of-pocket maximum.
Once you have met the out-of-pocket maximum, the plan pays most services at 100% for the rest of that plan year.

Use Your $400 Deductible Plan Wisely

Here are tips to help you become a better health care consumer:
Stay in-network and save money—find Cigna Open Access Network providers.
Compare costs and quality rankings in your area—before you receive care, visit myCigna.com or the myCigna Mobile App to find the best care in your area.
Practice preventive care—your Western Union medical plans cover in-network preventive care, such as physicals and recommended screenings, for FREE.
Consider enrolling in the :marketplace: HUB^SM—a voluntary benefit that provides you with cost and quality comparison tools as well as expert medical opinions.

365 HUB

The Mercer Marketplace 365 HUB^SM is a voluntary benefit that provides you with one-on-one support to help you improve the quality and cost of your care. By enrolling in the 365 HUB, you will receive price comparison tools, physician performance ratings, expert medical opinions, and more—all a click or phone call away, all year long. You can connect with a Mercer Marketplace 365 HUB Health Advocate from 8 a.m. to midnight EDT at 866-385-8032, or access the website at https://mercermarketplace.com/westernunion.

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Compare Prices

The cost of healthcare services can vary significantly, even within the same geographic area and health plan. Here are just a few examples:

Tonsillectomy: $2,100–$4,900
MRI: $450–$2,450
Colonoscopy with biopsy, tumor, polyp, or lesion removal: $1,314–$3,007

365 HUB’s Health Cost Estimator+ is an easy-to-use online tool that shows what you can expect to pay for a service based on your medical plan and lets you compare prices so you can make smarter decisions about your care.

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Compare Quality

With the Mercer Marketplace 365 HUB, you can review the quality scores of doctors in your area based on your condition and need. Scorecards include:

Physician performance scores
Quality analysis
Experience and outcomes ranking
Evaluations based on billions of doctor-patient interactions

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Get Expert Medical Opinions

Do not hesitate to get another opinion, especially if it is a concerning or serious condition. The 365 HUB gives you and your covered family members access to world-class specialists that will review your case and give you an expert opinion on your diagnosis and treatment plan.
About 40% of people receive an improved diagnosis and 99% recommend this service.
It is peace of mind at a time when you may need it most. 365 HUB accepts all cases and supports you every step of the way.

Health Advocate

Imagine you have been told you need a medical procedure to treat a recently diagnosed condition. It is hard to know where to start. How will you know what a procedure costs? Where can you get a second opinion? What if you have a billing issue?
Through Health Advocate, a benefit that is provided at no cost to you, you can receive help with all of these situations.

Find an Advocate

Health Advocate has a team of registered nurses, medical directors, and benefits and claims specialists who work right alongside each other to help you. A personal health advocate with expert knowledge about your benefits will help you:

Find the right doctor
Schedule appointments quickly
Resolve benefits issues efficiently
Secure elder care with confidence
Work seamlessly with insurance providers
Transfer medical records promptly and securely

Call Health Advocate at 866-695-8622 or visit healthadvocate.com/members.

Find an Advocate

Find a Doctor

Using Cigna in-network providers saves you money.

Follow these steps:

Visit cigna.com
Select Find a Doctor
Select Find a Doctor through Work or School
Enter your location and desired network
Select search

2018 Medical Plans	Network
$400 Deductible Plan	Cigna Open Access Network
$1,850 Deductible Plan with HSA	Cigna Open Access Network
$2,850 Deductible Plan with HSA	Cigna LocalPlus Network Important! This is a smaller network with fewer in-network providers. Before enrolling in this plan, check to see if your doctors are in it.

Do You Have a Personal Doctor? You Should. Here is 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 is 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 are healthy. It is even more important when you are sick. Your doctor gets to know you and your health history and can help coordinate any care you need.

Prescription Drugs

Prescription drug coverage comes with every Western Union medical plan and is provided by Cigna. The amount you pay depends on which medical plan you choose and where you purchase the prescription (retail drug store or mail order).

Save Money with Generic Drugs

Switching from brand-name drugs to generic, when appropriate, can save you money. Oftentimes, generics work just as well as brand-name drugs—at a fraction of the cost.
Here is an example: For a 30-day supply of a cholesterol-lowering medication, the brand-name drug Crestor costs nearly $400 while its generic equivalent costs under $10!
Talk with your doctor. Ask if it is possible to switch your prescriptions from brand-name drugs to generic.