Teachers' First Choice

Cigna manages Midwest Public Risk's Teachers’ First Choice (TFC) health plans. Both Open Access and Choice Fund High Deductible plans are available in our TFC program.

Open Access Plus

With an Open Access Plus plan, you have in-network and non-network benefits. Plan participants have nationwide access to participating providers. It is your choice whether to use participating providers. However, if you choose to go to non-network providers, then you will be subject to much higher costs out of your own pocket. The deductibles and coinsurance amounts you pay for in-network and non-network benefits accrue independently.

MPR will not penalize you with non-network charges for serious, life threatening emergency treatment at a non-network hospital. Benefits will be paid at the in-network level as long as your service is considered life threatening. Please seek care for life threatening emergencies at the nearest available facility.

Choice Fund High Deductible

Cigna manages MPR’s High Deductible health plans with an optional Health Savings Account (HSA). This type of plan allows for a lower premium with preventive care still paid at 100% as well as a savings account which is portable. If you leave your place of employment, the money in your HSA goes with you. There are also no “use it or lose it” provisions. The money in your HSA rolls over each year and continues to build until you decide to spend or transfer the fund. The High Deductible plans offer in-network and non-network benefits.

Resources:

2017/2018 Open Access Plus & Choice Fund Plan Benefit resources for Teachers' First Choice:

2017/2018 Summary of Benefits:

 

Locate a Provider: register at www.MyCigna.com or call Cigna Member Services at (800)-Cigna24.

Cigna provides benefits and claims processing for Teacher’s First Choice Members. Call (800)-Cigna24 for questions regarding your benefits, claims, to order ID cards, or to locate providers. Members can register at www.MyCigna.com to track claims, print a temporary ID card, and obtain access to many valuable resources.