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Medical Insurance
The current rate schedule reflects premiums effective as of January 1, 2016.
The County will continue to offer the CIGNA OAP In Network (OAPIN-HMO), CIGNA Choice Fund HRA and CIGNA Standard HRA plans.  You can visit or contact CIGNA Member Services at 1-800-558-7453 for more plan information.


ü  Preventive Care:  Preventive care, under the Affordable Care Act, is covered 100%.  Remember, preventive services are not subject to deductible or copays.  Please check with your physician to determine which services are considered preventive.  This provision is applicable to all family members.

Age 26 Adult Dependents:   Dependent coverage is offered to enrollees’ adult children until age 26, even if the young adult no longer lives with his/her parents, is not a dependent on a parents’ tax return, or is no longer a student.  The Affordable Care Act applies to both married and unmarried young adult children, although their own spouses and children are not eligible for coverage. 

NOTE:  If you currently have an eligible age 19 to 26 adult dependent enrolled on your plan, you MUST re-enroll that dependent during open enrollment.

ü  Ineligible Dependents: It is the employee’s responsibility to remove ineligible dependents from their plan. Failure to remove any ineligible dependent will result in you being responsible for any claims paid on any ineligible dependent.

Important Medical Information
During the year, prior to open enrollment, employees who experience a life status/qualifying event change have 30 days to  provide the required proof to enroll self and/or eligible dependents in all applicable benefits through Benefit Harbor.

It is the employee’s responsibility to complete proper forms to remove ineligible dependents from all benefits.

We encourage you to carefully read all information concerning your County benefits and visit the carriers’ websites and call their Customer Service centers for more information.














































































































Vasco A. Smith, Jr. County Administration Building • (901) 222-2300
160 North Main Street Memphis TN 38103
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