Cigna Global Health Advantage (CGHA) Insurance Plan FAQs

Cigna is the plan provider for the Cigna Global Health Advantage (CGHA) insurance plan. Please contact Cigna directly with your questions about the insurance plan at 1-302-797-3100 or toll-free at 1-800-44102668 or visit the Cigna Website.

Questions about eligibility and enrollment should be directed to the Solutions Center at SolutionsCenter@hr.msu.edu or 517-353-4434.

Eligibility and Enrollment Info

Who is eligible to enroll in the CGHA plan?

You are eligible to enroll if you are a regular full-time (90-100%) or part-time (50-89.9%) support staff, faculty, academic staff, or executive management employee appointed 9 months or longer AND meet one of the following criteria:

  • You are a J1 or J2 visa holder
  • Your MSU work assignment will be outside the USA for six months or longer

When can I enroll in the CGHA plan?

You can enroll within 30 days of meeting eligibility or during open enrollment in October each year for the following plan year.

How do I enroll in the CGHA plan?

Fill out the Enrollment Form and return via email, mail or in-person to the Solutions Center at SolutionsCenter@hr.msu.edu or 1407 S. Harrison Road, East Lansing, MI 48823. 

Can I enroll my dependents in the CGHA plan?

Yes. You may enroll your dependents in the CGHA plan.

Can I enroll my dependents if they live in the USA but my work assignment is outside the USA?

Yes. Dependents of employees enrolled in the CGHA plan that are based in the USA can be enrolled and have access to in-network and out-of-network providers.

Am I eligible to enroll in this plan if I am actively working for MSU but will be living outside the USA for less than 6 months?

No, this plan is designed to cover individuals who will be living outside the United States for 6 months or longer. Please contact the Risk Management Office to ensure you have the appropriate coverage for your travel. 

Can I enroll in this plan if I am actively working for MSU but on sabbatical from work and living outside the USA?

Yes, this plan is designed to cover individuals who will be living outside the United States for 6 months or longer and continuing to actively work for MSU. 

CGHA Plan Info

What does the CGHA plan cover?

The CGHA plan covers medical, prescription, dental, evacuation and repatriation services with access to health care professionals and facilities worldwide. For more details on plan costs and coverage, review the CGHA Plan Summary of Benefits here.

How much does the CGHA plan cost?

Find monthly premium rates for the CGHA plan on the HR website.

How do I pay for the CGHA plan?

Your insurance premium will be deducted monthly from your paycheck. If you are on a leave of absence without pay, you will receive a bill monthly from MSU Human Resources with your insurance premium. 

How do I find a health care provider?

Please visit the Cigna Website to find a health care provider. 

How do I get my insurance card?

 Please visit the  Cigna Website   to download and/or print your insurance card.

Leave of Absence and Employment Termination Info

What if I terminate employment while covered on the CGHA plan?

You will be eligible to continue coverage through COBRA. You will receive a COBRA election notice and enrollment form and must enroll within 60 days to continue coverage.

What if I retire while covered on the CGHA plan?

You are no longer eligible for the CGHA plan after you retire. You will have 30 days to elect a new plan for eligible retirees.

Am I eligible for this plan if I actively work for MSU but take a leave of absence without pay AND live outside the USA for 6 months or longer?

Maybe. This plan is designed to cover individuals who live outside the USA for six months or longer and continue to actively work for MSU. In most instances, since an employee is not actively working for MSU on a leave of absence without pay, they would not be eligible to enroll in the CGHA plan.

However, if you are on an approved sabbatical leave, since this is intended for the mutual benefit of the university and the faculty member, you are considered still actively working for MSU and therefore eligible to enroll in the CGHA plan.

 

We've requested accessible versions of website documents from vendors. If you have difficulty reading any documents, contact the HR Solutions Center at 517-353-4434 or SolutionsCenter@hr.msu.edu.