Citi Benefits Handbook
Other Coverage
If you are eligible to enroll in coverage elsewhere, for example, through a spouse's/partner's, or other employer's plan, you can compare the Citi coverage and costs with the other coverage. You may decide to enroll in some plans offered through Citi and some from the other source.
However, if you are enrolling in coverage from two sources, be sure you understand how benefits are paid when you are covered by two group medical plans or group dental plans. In many instances, you may pay for coverage from two group plans but you will not receive double benefits or even be reimbursed for 100% of your costs as a result of what is called "coordination of benefits." See "Coordination of Benefits" for the guidelines on whose plan pays first.
Health Advocate
Health Advocate can help you understand your benefits and compare the costs and benefits of different plans. Call 1 (866) 449-9933 and select option #1 to speak with your Personal Health Advocate.