Medical
Medical coverage offers healthcare protection for you and your family. You may visit any medical provider you choose, but in-network providers offer the highest level of benefits and lower out-of-pocket costs. Network providers charge members reduced, contracted fees instead of their typical fees. Providers outside the plan’s network set their own rates, so you may be responsible for the difference if a provider’s fees are above the Reasonable and Customary (R&C) limits.
Preventive Care – like physical exams, flu shots, and screenings – is always covered 100% when you use in-network providers. The key difference between the plans is the amount of money you’ll pay each pay period and when you need care.
Each plan has different:
- Annual deductible amounts – the amount you pay each year for eligible in-network and out-of-network charges before the plan begins to pay.
- Out-of-pocket maximums – the most you will pay each year for eligible network services and/or prescriptions. After you reach your out-of-pocket maximum, the plan picks up the full cost of covered medical care for the remainder of the year.
- Copays – A copay is a fixed amount you pay for a health care service. Copays do not count toward your deductible but do count toward your annual out-of-pocket maximum.
- Coinsurance – Once you’ve met your deductible, you and the plan share the cost of care, which is called coinsurance. For example, you pay 20% for services and the plan will pay 80% of the cost until you have reached your out-of-pocket maximum.
Cigna OAP 500
Plan Information
Plan Name: Cigna OAP 500
Policy Number: 00637778
Effective Date: 01/01/2025
Provider Network: Cigna
In-Network Benefit Highlights
Deductible (Individual/Family)
$XX/$XX
Out-of-Pocket Max (Individual/Family)
$XX/$XX
Preventive Care
$XX
Primary Care Visit
$XX
Specialist Visit
$XX
Urgent Care
$XX
Emergency Room
$XX
Benefit Highlights
In-Network
Deductible (Individual/Family)
$500/$1,000
Out-of-Pocket Max (Individual/Family)
$6,000 /$12,000
Preventive Care
No Charge
Primary Care Visit
$40 copay
Specialist Visit
$80 copay
Urgent Care
$75 copay
Emergency Room
$500 copay (deductible waived)
Retail Rx (Up to 30-Day Supply)
Generic
$15 copay
Preferred Brand
$35 copay
Non-Preferred Brand
$60 copay
Mail-Order Rx (Up to 90-Day Supply)
Generic
$38 copay
Preferred Brand
$88 copay
Non-Preferred Brand
$150 copay
Out-of-Network
Deductible (Individual/Family)
$6,000 /$12,000
Out-of-Pocket Max (Individual/Family)
$13,700 /$27,400
Preventive Care
20% after deductible
Primary Care Visit
20% after deductible
Specialist Visit
20% after deductible
Urgent Care
20% after deductible
Emergency Room
$500 copay (deductible waived)
Retail Rx (Up to 30-Day Supply)
Generic
50% coinsurance (deductible waived)
Preferred Brand
50% after deductible
Non-Preferred Brand
50% after deductible
Mail-Order Rx (Up to 90-Day Supply)
Generic
Not covered
Preferred Brand
Not covered
Non-Preferred Brand
Not covered
Contact Information
Cigna OAP 1000
Plan Information
Plan Name: Cigna OAP 1000
Policy Number: 00637778
Effective Date: 01/01/2025
Provider Network: Cigna
In-Network Benefit Highlights
Deductible (Individual/Family)
$XX/$XX
Out-of-Pocket Max (Individual/Family)
$XX/$XX
Preventive Care
$XX
Primary Care Visit
$XX
Specialist Visit
$XX
Urgent Care
$XX
Emergency Room
$XX
Benefit Highlights
In-Network
Deductible (Individual/Family)
$1,000/$3,000
Out-of-Pocket Max (Individual/Family)
$6,000 /$12,000
Preventive Care
No Charge
Primary Care Visit
$30 copay
Specialist Visit
$60 copay
Urgent Care
$75 copay
Emergency Room
$500 copay (deductible waived)
Retail Rx (Up to 30-Day Supply)
Generic
$15 copay
Preferred Brand
$35 copay
Non-Preferred Brand
$60 copay
Mail-Order Rx (Up to 90-Day Supply)
Generic
$38 copay
Preferred Brand
$88 copay
Non-Preferred Brand
$150 copay
Out-of-Network
Deductible (Individual/Family)
$6,000 /$12,000
Out-of-Pocket Max (Individual/Family)
$13,700 /$27,400
Preventive Care
40% after deductible
Primary Care Visit
40% after deductible
Specialist Visit
40% after deductible
Urgent Care
40% after deductible
Emergency Room
$500 copay (deductible waived)
Retail Rx (Up to 30-Day Supply)
Generic
50% coinsurance (deductible waived)
Preferred Brand
50% after deductible
Non-Preferred Brand
50% after deductible
Mail-Order Rx (Up to 90-Day Supply)
Generic
Not covered
Preferred Brand
Not covered
Non-Preferred Brand
Not covered
Plan Documents
Contact Information
Cigna HSA 1650
Plan Information
Plan Name: Cigna HSA 1650
Policy Number: 00637778
Effective Date: 01/01/2025
Provider Network: Cigna
In-Network Benefit Highlights
Deductible (Individual/Family)
$XX/$XX
Out-of-Pocket Max (Individual/Family)
$XX/$XX
Preventive Care
$XX
Primary Care Visit
$XX
Specialist Visit
$XX
Urgent Care
$XX
Emergency Room
$XX
Benefit Highlights
In-Network
Deductible (Individual/Family)
$1,650/$3,300
Out-of-Pocket Max (Individual/Family)
$6,550 /$13,100
Preventive Care
No Charge
Primary Care Visit
0% after deductible
Specialist Visit
0% after deductible
Urgent Care
0% after deductible
Emergency Room
0% after deductible
Retail Rx (Up to 30-Day Supply)
Generic
0% after deductible
Preferred Brand
0% after deductible
Non-Preferred Brand
0% after deductible
Mail-Order Rx (Up to 90-Day Supply)
Generic
0% after deductible
Preferred Brand
0% after deductible
Non-Preferred Brand
0% after deductible
Out-of-Network
Deductible (Individual/Family)
$3,200 /$6,400
Out-of-Pocket Max (Individual/Family)
$13,100 /$26,200
Preventive Care
20% after deductible
Primary Care Visit
20% after deductible
Specialist Visit
20% after deductible
Urgent Care
20% after deductible
Emergency Room
0% after deductible
Retail Rx (Up to 30-Day Supply)
Generic
20% coinsurance (deductible waived)
Preferred Brand
20% after deductible
Non-Preferred Brand
20% after deductible
Mail-Order Rx (Up to 90-Day Supply)
Generic
Not covered
Preferred Brand
Not covered
Non-Preferred Brand
Not covered
Plan Documents
Contact Information
Cigna HSA 3000
Plan Information
Plan Name: Cigna HSA 3000
Policy Number: 00637778
Effective Date: 01/01/2025
Provider Network: Cigna
In-Network Benefit Highlights
Deductible (Individual/Family)
$XX/$XX
Out-of-Pocket Max (Individual/Family)
$XX/$XX
Preventive Care
$XX
Primary Care Visit
$XX
Specialist Visit
$XX
Urgent Care
$XX
Emergency Room
$XX
Benefit Highlights
In-Network
Deductible (Individual/Family)
$3,000/$6,000
Out-of-Pocket Max (Individual/Family)
$6,550 /$13,100
Preventive Care
No Charge
Primary Care Visit
20% after deductible
Specialist Visit
20% after deductible
Urgent Care
20% after deductible
Emergency Room
20% after deductible
Retail Rx (Up to 30-Day Supply)
Generic
20% coinsurance (deductible waived)
Preferred Brand
20% after deductible
Non-Preferred Brand
20% after deductible
Mail-Order Rx (Up to 90-Day Supply)
Generic
20% after deductible
Preferred Brand
20% after deductible
Non-Preferred Brand
20% after deductible
Out-of-Network
Deductible (Individual/Family)
$6,000 /$12,000
Out-of-Pocket Max (Individual/Family)
$13,100 /$26,200
Preventive Care
40% after deductible
Primary Care Visit
40% after deductible
Specialist Visit
40% after deductible
Urgent Care
40% after deductible
Emergency Room
20% after deductible
Retail Rx (Up to 30-Day Supply)
Generic
20% after deductible
Preferred Brand
20% after deductible
Non-Preferred Brand
20% after deductible
Mail-Order Rx (Up to 90-Day Supply)
Generic
Not covered
Preferred Brand
Not covered
Non-Preferred Brand
Not covered