CITGO Benefits Connection


	Overview

	Helping you understand your benefits is one of our goals. Below are the most common Frequently Asked Questions (FAQs) you might have about your benefits. To better serve you, these FAQs are divided into the categories listed below. Each category contains the questions and answers regarding your benefits. Click on the appropriate category link below for questions and answers suited to your needs.


	About the Annual Election Process

	When is the 2010 Annual Election? Do I have to make an election? How do I use the Annual Election materials? How do I make my elections? Who do I call if I have questions about Annual Election?


	About the Medical Plan Options

What are the medical plan changes for 2010?

Will I receive a new medical ID card prior to January 1, 2010?

What should I think about when choosing my medical plan option?

I'm enrolled in the Choice EPO or Choice Plus. I'm on vacation away from home. What do I do in case of an emergency?

Can you tell me more about the High Deductible Health Plan (HDHP) option?

What is a Health Savings Account (HSA)?

How do I sign up for a Health Savings Account?

What is OptumHealth Behavioral Solutions?


	About the Prescription Drug Program

What are the prescription drug program changes for 2010?

Who should I call if I have questions about prescription drugs?

How do I find a participating network retail pharmacy?

What if the cost of the generic or brand-name drug is less than my copay?

How can I find out if my medications are on the Prescription Drug List?

Are low cost drugs the only ones on the Prescription Drug List?

Do doctors know which drugs are on the Prescription Drug List?

How can I be sure that my doctor prescribes medications on the Prescription Drug List?

What is the mandatory generic drug provision?

What’s the difference between a generic and brand name drug?

Are generic drugs safe?

How much can I save by using generic drugs?

Do all drugs have generic equivalents?

Will my doctor automatically prescribe generic drugs?

How can I get generic drugs?

What should I think about when reviewing the Prescription Drug Program?


	About the Disease Management Program

What is the Disease Management Program?

Who qualifies for this program?

What is the goal of the program?

How will United Healthcare learn about my health?

Will my personal medical information be kept confidential?

Do I have to participate?

What can I expect?

Will I always get the same nurse on the phone? Day or Night?

Do I have to talk to the nurse about my medical history?

Will this replace the medical care I'm receiving from my doctor?

Does United Healthcare work with my doctor?

Does the program work?


	About Cancer Resource Services

	What is Cancer Resource Services? Who is eligible for this program? What does is cost? Do I have to participate? What is the goal of the program? Why are the cancer centers called "Centers of Excellence"? What else I know about the Cancer Resource Services program?


	About the 24 NurseLine

	What is the 24-hour NurseLine?


	About the Dental Plan

	What are the Dental Plan changes for 2010? Do I have to use a dentist who is participating in the CIGNA Dental Preferred Provider network (PPO)? Can I elect the Dental Plan if I am not in the CITGO Medical Plan? Is there a Dental identification card? What should I think about when making my dental elections?


	About the Vision Plan

	What are the Vision Plan changes for 2010? Does this cover Radial Keratotomy, Lasik, or other surgical procedures for vision correction? Do I need an ID card? Who should I call if I have a question? How do I file for reimbursement if I use an out-of-network provider? May I elect Vision if I am not enrolled in the CITGO Medical or Dental Plan?


	About Flexible Spending Accounts

	Are there any changes to the Flexible Spending Account for 2010? Are over-the-counter drugs an eligible reimbursable expense? What is the Automatic Rollover feature for Medical Flexible Spending Account administration? What should I think about when I make my spending account election? Is there any more information that I can review on the Flexible Spending Accounts?


	About Life Insurance

	Have life insurance coverage amounts and options changed? What should I think about when considering Life Insurance decisions? What is the difference between pre-retirement life insurance and post-retirement life insurance?


	About the Long Term Care Insurance Program

	What is Long Term Care Insurance? Who is eligible for this program? How do I enroll if I do not have John Hancock Long Term Care coverage? How do I enroll if I am a already have Aetna Long Term Care?