Medical Insurance
Medical Coverage Options
When you enroll in medical coverage, you pay a portion of your health care costs when you receive care and the plan pays a portion, as detailed below. Note that 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. The plans have different: deductibles, copays, coinsurances and maximum out-of-pockets.
You will always get the best cost by using an in-network provider. By going out-of-network, you will incur a higher out-of-network deductible, coinsurance, and out-of-pocket maximum.
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Please note: The Deductible and Out-of-Pocket Maximum are calculated on a calendar-year basis, from January through December.
Rates
About Cigna
For more than 125 years, Cigna has been committed to building a trusted network of health care providers so we can connect customers with truly personal care. Cigna has several network options available in most market areas, we suggest using their PPO network for the most comprehensive network options.
Cigna provides a provider lookup tool at: https://www.cigna.com/
Additional Cigna Programs
Cigna Mental Health
Your life is busy. Sometimes it’s hard to know if what you are experiencing is depression or sadness, worry or anxiety. When these feelings become excessive, are ongoing or interfere with your daily life, it’s time to seek the help you need.
Our broad support includes coverage for your emotional health, as well as tools and programs to support your general health and well-being. All of this is available to you as our health plan customer. We help you take control of your health – body and mind – whenever you need it, 24/7.
Active & Fit
The Active & Fit Direct program, provided by American Specialty Health Fitness, Inc. provides access to fitness center memberships at a low cost. Your insurance carrier, Cigna, has negotiated with American Specialty Health Fitness, Inc. to have your enrollment fee waived.
Digital Tools & Resources
