Example: You have a $100,000 hospital bill, and a Cigna plan with a $2,750 annual deductible and 20% in-network coinsurance. You pay the $2,750 deductible plus 20% coinsurance until you reach your $6,350 annual out-of-pocket maximum. The out-of-pocket maximum is a wonderful thing. Every Cigna plan has this feature. Check your plan to see if copays, deductibles and pharmacy costs accumulate to the out-of-pocket maximum.
Lady Gaga's real name is Stefani Joanne Angelina Germanotta. She was born on 28th March 1986. Her friends gave her the pen name Gaga - a lyric from the Queen song 'Radio Gaga' - one of her strong influences. Latest Videos.
See how many of these 10 fascinating facts about ladybugs you know. 1. Ladybugs aren't really bugs. They're beetles! To an entomologist, the term bug applies only to insects of the order Hemiptera, known as the true bugs. Ladybugs, however, belong to the order Coleoptera, which includes all the beetles. Europeans have called these dome-backed beetles by the name ladybirds, or ladybird beetles, for over 500 years. 1  In America, the name ladybird was replaced by ladybug. Scientists usually prefer the common name lady beetles, a more accurate term.