Medical Benefits

Your employer offers medical insurance to protect the health of you and your family. It covers medical expenses such as visits to the doctor’s office, emergency care, and prescription drugs. It’s important to have a medical plan that meets your needs and the needs of your family.

Keep in mind that your out-of-pocket costs will be lower if you receive care from an in-network doctor and facility. To find an in-network doctor, please visit www.cigna.com.

Open Access Plus	In-Network	Out-of-Network
Deductible (Individual/Family)	$3,500 / $7,000	$7,000 / $4,000
Out-of-Pocket Max (Individual/Family)	$5,000 / $10,000	$10,000 / $20,000
Member Coinsurance	20%	40%
Physician Visits
Primary Care	$50 Copay	Deductible + 40%
Routine Preventive	Fully Covered	Deductible + 40%
Specialist	$75 Copay	Deductible + 40%
Hospital Services
Physician Services	Deductible + 20%	Deductible + 40%
Inpatient Hospitalization	Deductible + 20%	Deductible + 40%
Outpatient Surgery	Deductible + 20%	Deductible + 40%
Basic Outpatient Diagnostics	Deductible + 20%	Deductible + 40%
Urgent Care	$40 Copay	Deductible + 40%
Emergency Room	$100 Copay + Deductible + 20%	$100 Copay + Deductible + 20%
Prescriptions
Retail Tier 1 /2 / 3	$15 / $70 / $110	$15 / $70 / $110
Mail Order Tier 1 /2 / 3	$38 / $175 / $275	$38 / $175 / $275

	Per Pay Period Cost
Employee Only	$288.82
Employee + Spouse	$923.78
Employee + Child(ren)	$860.29
Employee + Family	$1,685.75

Downloads

Summary of Benefits

MyCigna Customer Flyer

Cigna One Pre-Enrollment Guide Flyer

Cigna One Guide Flyer

Virtual Care

Cigna Virtual Care Know Before You Go

CVS Flyer

Identity Forceflyer

Finding a Doctor

Home Delivery with Express Scripts Pharmacy Customer Flyer

Preventive Care

Your New Cigna Pharmacy Benefits

Keep in mind that your out-of-pocket costs will be lower if you receive care from an in-network doctor and facility. To find an in-network doctor, please visit www.cigna.com.

Open Access Plus	In-Network	Out-of-Network
Deductible (Individual/Family)	$8,000 / $16,000	$16,000 / $32,000
Out-of-Pocket Max (Individual/Family)	$8,000 / $16,000	$16,000 / $32,000
Member Coinsurance	0%	20%
Physician Visits
Primary Care	Deductible	Deductible + 20%
Routine Preventive	Fully Covered	Deductible + 20%
Specialist	Deductible	Deductible + 20%
Hospital Services
Physician Services	Deductible	Deductible + 20%
Inpatient Hospitalization	Deductible	Deductible + 20%
Outpatient Surgery	Deductible	Deductible + 20%
Basic Outpatient Diagnostics	Deductible	Deductible + 20%
Urgent Care	Deductible	Deductible + 20%
Emergency Room	Deductible	Deductible + 20%
Prescriptions
Retail Tier 1 /2 / 3	Deductible	Deductible
Mail Order Tier 1 /2 / 3	Deductible	Deductible