Insurance plans powered by Cigna exclusively for HGEA members
Open Enrollment Period: May 15, 2022 – August 15, 2022
This plan pays a lump sum benefit upon diagnosis of a covered critical illness (including cancer, heart attack, stroke, Parkinson’s Disease, heart disease and more). There is no waiting period, and there are no age restrictions! Guaranteed Issue for members and their dependents.
Protect the financial security of your family! Guaranteed Issue life insurance with no health questions for up to $200,000 coverage for members, up to $75,000 for your spouse, and up to $10,000 for dependents. $500,000 may be purchased with evidence of insurability.
Your coverage effective date is based on the payment method elected (ACH or Payroll Deduction).
ACH: Coverage effective date is the 1st of the month following date of enrollment.
Payroll Deduction: If the enrollment is received on or before the 23rd of the month, the effective date will be the first of the month following 60 days. IF after the 23rd of the month, the coverage will begin on the first of the month following 90 days.
2. Am I eligible to enroll if I am an Associate Member?
Yes. You must elect ACH payment. Payroll deduction will not be available.
3. Am I eligible to enroll if I am a Retired Member?
No. Retirees are not eligible to enroll in either new benefit plan.
4. When will my first payroll deduction begin?
On your next payroll deduction if the enrollment is received on or prior to the 23rd of the month.
5. When will my first ACH payment be taken?
Your initial payment will be taken within 3 business days of completing your enrollment. After initial payment, your scheduled draft date will be the 1st of each month.
6. What should I except to see on my Bank Statement for my premium payments?
“8888593795 Insurance” will appear on your statement as a description of the charge for your premiums.
7. I am a member of HGEA, and my spouse is also a member. Can we both elect coverage for each other under the new Cigna Voluntary Life and Critical Illness plans?
No. A person may be insured only once under the Policy as an Employee, Spouse or Dependent Child, even though he or she may be eligible under more than one class.
8. If I do not elect coverage for myself, can I elect coverage for my spouse and/or dependent child(ren)?
No. A member must elect coverage for him/herself in order to be eligible to elect spouse or dependent coverage.
9. I do not smoke, however my spouse does. Which Critical Illness rate structure will apply to me if I choose family coverage?
If you OR your spouse use tobacco in any form, the tobacco rates will apply.
10. If I applied for additional coverage above Guaranteed Issue, when will I know if I am approved?
You will receive notification directly from Cigna with approval (or denial) of additional coverage. If approved, we will generate an updated benefit confirmation statement and your new premium amount will begin with the next applicable billing cycle.
11. The voluntary life plan shows Common Carrier coverage. What is this?
We will pay a Common Carrier Benefit if you suffer a loss as the result of an accident which occurs while you are riding as a passenger in, or struck by, a common carrier. Common carrier means:
a public conveyance (including aircraft) which is licensed for hire to carry fare-paying passengers; or
a transport aircraft operated by the U.S. Military Airlift Command or a similar air transport service of another country.
12. How much is the Common Carrier Benefit?
The common carrier benefit matches the death benefit to a max of $100k
13. Will my rate increase?
Yes. Rates for both the voluntary life and Critical Illness benefit are based on age. Aging will take place each year on March 1st. If you fall into a new age bracket, your premium will change.
If you have current coverage with AmFirst:
1. Can I keep my current AmFirst plan(s)?
Yes. You may keep your current AmFirst plan(s) if you continue to meet the eligibility requirements.
2. How do I terminate my AmFirst coverage?
Contact MWG Administrators, Honolulu at 1-844-448-3783 or via email at mwahi@morganwhite.com.
3. Who do I call for billing questions?
Contact MWG Administrators, Honolulu at 1-844-448-3783 or via email at mwahi@morganwhite.com.
How to Apply
Download, complete, and submit the following PDF form.
Coverage over $200,000 requires additional health questions. You must first enroll in the Guaranteed Issue amount of $200,000. You will be presented with the option of adding additional coverage on the confirmation page after checkout.
Underwritten by Life Insurance Company of North America
Administered by MWG Mestmaker & Associates
Highlights
No waiting period and no age restrictions
Pre-existing conditions do not apply with this plan
This Critical Illness plan provides up to $20,000 Guaranteed Issue for members, up to $10,000 for spouse, and up to $5,000 for dependents if you apply within your initial eligibility period.
Maximum Lifetime Limit is equal to the lesser of 5 times the elected benefit amount or $100,000 per covered person. (exclusions apply)
Portability Conversion: Coverage will continue at the same benefit level as long as you retain your membership in HGEA.
More Details
Pays a lump sum benefit direct to the insured, unless otherwise assigned, upon the date of diagnosis made after the coverage effective date, for each of the Covered Conditions listed on Summary of Benefits.
Critical Illness Recurrence Benefit will be paid for the diagnosis of a subsequent and same Covered Condition that has already received a benefit payout under this policy after a 12-month separation period from the previous diagnosis, subject to the Maximum Lifetime Limit.
This plan has limitations and exclusions. Please contact us for more info.
Underwritten by Life Insurance Company of North America
Administered by MWG Mestmaker & Associates
Highlights
This group term life insurance program provides $200,000 Guaranteed Issue for members, up to $75,000 for spouse, and up to $10,000 for dependents if you apply within your initial eligibility period.
Up to $500,000 of coverage may be purchased under this program for members.
Portability Conversion: Cigna will contact you with options to continue coverage in the event you retire, or no longer meet the eligibility guidelines.
More Details
All active members in good standing with the Hawaii Government Members Association, staff members, or Associate members, regularly working a minimum of 20 hours per week are eligible to participate.
Up to $100,000 of common carrier coverage (when a fare-paying ticketed passenger on a plane, ship, train, or bus) included for members.
Special living benefits, up to 75% of the insurance, may be paid if the attending physician indicates the insured has a terminal illness with less than twelve months life expectancy. This means that money can be received from this program at a time when funds are needed most.
If you become totally disabled before age 60, premiums will be waived until you are no longer disabled, or you begin to receive retirement benefits, or you attain age 65.
All amounts of insurance will reduce 35% at age 65, 55% at age 70, and 70% at age 75.
This plan has limitations and exclusions. Please download the PDF below to view full plan information.
Underwritten by Life Insurance Company of North America
Administered by MWG Mestmaker & Associates
Highlights
This group term life insurance program provides $200,000 Guaranteed Issue for employees, up to $75,000 for spouse, and up to $10,000 for dependents if you apply within your initial eligibility period.
Up to $500,000 of coverage may be purchased under this program for members.
Portability Conversion: Cigna will contact you with options to continue coverage in the event you are terminated, retire, and/or change employer you retire, or no longer meet the eligibility guidelines.
More Details
All active members in good standing with the Hawaii Government Members Association, staff members, or Associate members, regularly working a minimum of 20 hours per week are eligible to participate.
Up to $100,000 of common carrier coverage (when a fare-paying ticketed passenger on a plane, ship, train, or bus) included for employees.
Special living benefits, up to 75% of the insurance, may be paid if the attending physician indicates the insured has a terminal illness with less than twelve months life expectancy. This means that money can be received from this program at a time when funds are needed most.
If you become totally disabled before age 60, premiums will be waived until you are no longer disabled, or you begin to receive retirement benefits, or you attain age 65.
All amounts of insurance will reduce 35% at age 65, 55% at age 70, and 70% at age 75.
I accept the insurance coverages elected above. If premium is to be paid by payroll, I authorize my employer to deduct the necessary amounts from my earnings. If I have not elected coverage, I understand that if I wish to participate at a later date, I may be required to furnish evidence of insurability at my own expense and that coverage is subject to the insurance company’s approval.
