Contact Health Advocate at 1 (866) 449-9933 or visit your plan provider's website (Aetna or Anthem BlueCross BlueShield) for more information. You can also contact Included Health for assistance with a second opinion second opinion. Call 1 (888) 306-7195 to speak with a Care Coordinator and set up your account.
Although each of the Citi medical plans offers comprehensive coverage, there are differences between the plans. The options include:
Some high-level information is available in the table below. For HMO information, visit "2024 Insured HMOs" or see the Health Plan Comparison Charts on Your Benefits Resources™ (YBR™). To access YBR™, visit My Total Compensation and Benefits at www.totalcomponline.com , available from the Citi intranet and the Internet.
Note: Precertification is required for certain procedures and services in network (and out of network with the Choice Plan and High Deductible Plan with HSA). Penalties may apply if precertification is not obtained. Call your plan at the number listed on the back of your ID card for details.
For in-network covered expenses, the plans pay a percentage of discounted rates, while for out-of-network charges, the plans pay a percentage of the maximum allowed amount (MAA). See the Glossary section for a definition of MAA, which is sometimes referred to as "Recognized Charges." For out-of-network services, providers may charge you for medical expenses that exceed the MAA (referred to as "balance billing"), and you are responsible for those charges.