EASTMAN & CIGNA – A HEALTHY PARTNERSHIP!

Eastman partners with Cigna to bring health care benefits to you and your family. Eastman is self-insured, which means Eastman pays covered health care expenses that you don’t pay. Our partnership with Cigna means you receive quality support to help you achieve and maintain a healthy lifestyle.

Consumer Driven Health Plans

Eastman offers two Consumer Driven Health Plan (CDHP) options to our team members. CDHPs allow you to make decisions about your health care and the dollars you spend. It also includes access to your own Health Savings Account (HSA) that you can use to pay for eligible health care expenses now and in the future.

What Do the Two CDHPs Have in Common?

No matter which CDHP you select, each plan provides you with:

100% coverage for In-network preventive care
Access to the Cigna network of doctors, hospitals, and negotiated fees
Coverage for in-network and out-of-network providers, with higher cost for out-of-network services
Coverage for medical and prescription drug services
A deductible you must meet before benefits are paid
Pharmacy expenses included go towards your deductible and out of pocket maximum
Protection from the expense of a high-cost illness or injury with an out-of-pocket maximum
The opportunity to save in the triple tax-advantaged HSA*

What Makes the Two CDHPs Different?

CDHP1 - Lower deductible and out-of-pocket maximum with higher contributions than CDHP2.

CDHP2 - Higher deductible and out-of-pocket maximum with lower contributions than CDHP1.

Benefits Summary

CDHP1
		In-Network	Out-of-Network
Annual Deductible	Single	$1,500	$3,000
Annual Deductible	Family	$3,000	$6,000
Annual Out-of-Pocket Maximum	Single	$3,000	$6,000
Annual Out-of-Pocket Maximum	Family	$6,000	$12,000

CDHP2
		In-Network	Out-of-Network
Annual Deductible	Single	$2,500	$5,500
Annual Deductible	Family	$5,000	$10,000
Annual Out-of-Pocket Maximum	Single	$5,000	$10,000
Annual Out-of-Pocket Maximum	Family	$10,000**	$20,000**

^{** For CDHP2, no one individual will pay more than $8,150 (in-network) or $16,300 (out-of-network) toward the total family out-of-pocket maximum.}

Payment for the CDHPs is through payroll deductions. Eligibility follows the Eastman eligibility rules as set forth in our plan documents.

This link leads to the machine-readable files that are made available in response to the federal Transparency in Coverage Rule and includes negotiated service rates and out-of-network allowed-amounts between health plans and health care providers. The machine-readable files are formatted to allow researchers, regulators, and application developers to more easily access and analyze data. This link will be available on July 1, 2022. If you have questions, please contact the Cigna OneGuide team at 1-800-796-4449.
www.ticmrf.com/62-1539359

Health Care Tools and Services

Cost Estimator Tool

Find out more about doctors, services and cost estimates by using the Cigna Cost Estimator tool. Click on the “Find a Doctor or Facility” or “Estimate Health Care Costs” sections at www.myCigna.com.

Health Assessment

Complete your health assessment on mycigna.com.

MDLive

Consider MDLIVE® as an affordable telehealth option for nonurgent conditions, offering 24/7/365 access to board-certified physicians online or via telephone at $55 per visit. Call 1-888-726-3171 or visit www.mdlive.com/Eastman.

Virtual Second Opinion by The Cleveland Clinic

Eastman, in partnership with Cigna, offers the Virtual Second Opinion by The Cleveland Clinic service at no cost to all eligible participants. The Virtual Second Opinion by The Cleveland Clinic program gives you and your covered family members secure, online access to Cleveland Clinic’s physician specialist for over 1,200 diagnoses all by the click of your mouse. These diagnoses can include conditions that impact your quality of life or conditions that may be more serious. Getting a second opinion from specialist at the Cleveland Clinic enables you to make the most informed decision about your health care of that of a loved one.

How do I get started? Click here to begin registration. You can find information about the program, including a link to register, by logging onto myCigna.com.

Cigna Healthy Pregnancies, Healthy Babies®

One in 10 babies in the US are born early. Cigna Healthy Pregnancies, Healthy Babies® program provides expectant mothers with the information and support they need to optimize their chances of having a healthy, full-term pregnancy at no cost to Eastman CDHP participants.

The program offers support during and after pregnancy to help mothers have a healthier nine months and a healthier baby. A Cigna Maternity Coach with nursing experience provides support throughout pregnancy and can help with everything from tips on how to handle discomfort during pregnancy to what foods to avoid, birthing classes and maternity benefits. Participants receive a kit with useful tips and tools and have access to live support 24 hours a day, seven days a week. Mom, OB/GYN and Cigna work together for a successful outcome. Call Cigna at 1-800-796-4449 to learn more about this program. You can also download the Cigna Healthy Pregnancy app from the Apple or Google Play app stores.

Cigna Fertility and Conception Management Program by WINFertility

Looking for expert help to grow your family? With the Cigna Fertility and Conception Mangement Program, offered through WINFertility, you can get personalized guidance, education and emotional support every step of the way. Eastman offers a $25,000 Fertility Benefit and a $25,000 Surrogacy Benefit. This is a lifetime maximum for each benefit. You must be enrolled in the active CDHP1 or CDHP2 health plan to access Fertility benefits.

WINFertility helps you understand your options so you can find the right provider and the best course for you to start or grow your family - making the most of your health benefits. Whether you choose fertility testing and treatment or surrogacy services, WINFertility is by your side.

The Eastman Surrogacy Reimbursement Program, (the "Program"), established by Eastman and administered by WINFertility, Inc. (WIN), is offered to eligible regular part-time and full-time employees who choose to build their families through surrogacy. The program helps to cover a portion of the expenses associated with using a surrogate to assist in carrying and giving birth to a child.

Before you begin the surrogacy process or fertility services, contact WINFertility for information about all aspects of the program, including details about eligibility and covered expenses or services. You can reach a WINFertility service team member at 1-855-588-1736, Monday - Friday 9:00 a.m. - 7:30 p.m. EST or call Cigna at the number on the back of your ID card to be connected to a WinFertility service team member. More details are also available at https://managed.winfertility.com/eastman/. In order to access these benefits and receive reimbursement, you must contact WinFertilty.

Chronic Specific Care Program for Total Hip, Shoulder and Knee Procedures for Kingsport Employees

For members considering hip/knee/shoulder replacement surgery, Cigna's Chronic Condition Specific Care Program carefully selects top quality providers to make it easy for you to find the right care. This program covers qualifying surgery (admission through discharge) at no cost to you after you meet your plan deductible when you participate in the program*.

It's 100% voluntary. You have the option to have surgery wherever you choose according to your regular plan benefits, but you may pay more. There's also financial assistance up to $600 to help pay for travel. If you and your physician are exploring the possibility of hip, shoulder or knee surgical procedures, you MUST contact Cigna at 855-678-0042 or by calling the number on the back of your insurance card in order to participate in this program. Cigna will connect you with a clinician who will discuss your treatment options with you, get you connected to the program and help you find a participating provider. You must enroll in the program prior to surgery; fulfill your responsibilities under the program; receive your surgical services from a qualifying provider to participate in the program; and this plan must be your primary medical plan for coordination of benefits purposes.

*Surgery covered at 100% after deductible is met if you have a medical plan with an HSA. Charges for covered expenses not included in the program are subject to your health plan's applicable copays, coinsurance, and deductible, if any.

Flexible Spending Accounts (FSAs)

Flexible Spending Accounts (FSAs) can also help you manage costs. FSAs allow you to put aside pre-tax dollars to pay for specified eligible health care and dependent care expenses.

Eastman offers three different Flexible Spending Accounts (FSAs) – Limited Purpose FSA (LPFSA), Dependent Care FSA (DCFSA), and Health Care FSA (HCFSA). You elect the amount you wish to contribute to your FSA. The contribution amount is deducted in equal amounts from your pay throughout the year on a pre-tax basis, which reduces your taxable income.

You must use the contributions placed in an FSA for eligible expenses incurred during the year in which the contributions were made. The elections you make for each FSA remain in effect for the entire calendar year unless you experience a qualifying life event.

Under Internal Revenue Service (IRS) rules, you forfeit any unclaimed dollars in an FSA. You have until April 30 of the following year to submit claims for eligible expenses incurred from the previous year while you were a participant. The list of eligible expenses is provided in IRS Publication 502 “Medical and Dental Expenses.”

Review the Publication

Limited Purpose FSA

A Limited Purpose FSA (LPFSA) is an Eastman sponsored reimbursement account that allows you to set aside pre-tax money on an annual basis to pay for qualified dental and vision expenses. It's typically used in combination with the Fidelity Health Savings Account (HSA).

You can set aside up to $2,750 in pre-tax contributions for 2022 to pay for qualified out-of-pocket dental and vision expenses for you, your spouse and your dependents, up to the available balance, so you can save your HSA funds for future qualified health care needs. Once you reach the annual deductible, you may also use the LPFSA to pay for eligible medical and pharmacy expenses.

You decide how much you want to put away into the account and that lump sum money is available on the first day of the plan year. Plus the money is automatically taken out of your paycheck on a pre-tax basis so there is a tax advantage to you. Just be sure to use all the money in your LPFSA. It's not like an HSA where your money rolls over year over year. It's a use it or lose it account. Remember, you can be reimbursed for qualified dental and vision expenses incurred during the benefits year. Payment from an LPFSA cannot be made until after the service has actually been provided

Simply log onto www.netbenefits.com and click on the Reimbursement tile to access and manage your account.

Dependent Care FSA

When you enroll in the Dependent Care FSA (DCFSA), you elect to contribute a certain amount from each paycheck into your DCFSA up to a maximum of $5,000 annually. The DCFSA, which is administered by Cigna) reimburses you for qualified dependent care expenses that enable you, and your spouse, to work or attend school full time.

Dependents include anyone for whom you provide more than 50% of their financial support for the year, as defined in Section 152 of the Internal Revenue Code, and who lives with you for at least half the year.

Expenses for the following dependents are eligible for reimbursement:

Children under age 13
Any dependent, including your spouse or parent, who is physically or mentally incapable of taking care of himself or herself

The IRS website contains additional details about Dependent Care FSA regulations.

Health Care FSA

If you are not covered by a Consumer Driven Health Plan (such as Eastman's CDHP1 or CDHP2), you may enroll in a Health Care FSA (HCFSA), which allows you to contribute a portion of your paycheck before taxes into an account that you can use later to pay for eligible out-of-pocket medical, dental and vision expenses. The Eastman plan allows you to contribute up to the IRS limit of $2,750 in 2022.

Future Health Plans

Once you leave Eastman, it's important to understand the health plans that may be available for you and your family. See PREPARE FOR TOMORROW for more information.

^{* With respect to federal taxation only. Contributions, investment earnings, and distributions may or may not be subject to state taxation.}

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Cigna

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Cigna

1-800-796-4449

MD Live

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MDLIVE 24/7

1-888-726-3171

MDLIVE Customer Service

1-800-400-MDLIVE (1-800-400-6354)

CVS/CAREMARK

1-855-293-4115