Medical plans overview

What you need to know

You can choose among four different Cigna medical plans to protect both your health and your finances. All of our plans provide the same comprehensive coverage through the Cigna network of providers and facilities. At the same time, the plans offer you flexibility to choose between paying higher paycheck costs or lower amounts out of pocket when you need care.

The Cigna medical plans have similar features

All of the Cigna medical plans:

  • Use Cigna’s national network of providers for medical care and CVS Caremark for prescriptions drugs.
  • Cover the same health care services and prescription drugs.
  • Offer 100% coverage for preventive care (no deductible or out-of-pocket cost to you for annual physical exams, lab tests, and age-appropriate screenings).
  • Feature 24/7 care through telehealth services that let you connect with a board-certified doctor through video chat without leaving your home or office.
  • Cover treatment for minor illnesses or routine vaccinations through retail clinics or walk-in clinics, such as CVS, Walgreens, Walmart, and Target.
  • Offer you access to Cigna’s wellness programs, including personal health coaches and the Cigna 24-Hour Health Information Line featuring live support.
  • San Diego Ship Repair Production employees: You also have the option to enroll in the Kaiser Southern California HMO plan, in addition to the Cigna medical plans.
  • Offer Centers of Excellence for certain surgical procedures: Some hospitals specialize in specific care and procedures, and it’s important to go to the right place to get the care you need. If you need surgery, such as bariatric, joint replacement, or cardiovascular surgery, use a Center of Excellence. Cigna representatives will help you research your options.

Check if your provider is in-network before enrolling

Go to cigna.com and click on "Find a Provider, Dentist or Facility," then click on "Plans through your employer or school."

Check provider status

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The plans differ in cost and network flexibility

All four plans provide you with the same comprehensive coverage through the Cigna network of providers and facilities. At the same time, the plans offer you the flexibility to choose between paying higher or lower paycheck costs, and paying higher or lower amounts out of pocket when you need care.

Plan features HSA Standard HSA Select Network Choice Copay
HSA contribution from BAE Systems Yes
$750 individual
$1,500 family
Yes
$750 individual
$1,500 family
No No
Provider network flexibility In-network and out-of-network coverage In-network and out-of-network coverage In-network and out-of-network coverage In-network coverage only
Deductible and out-of-pocket maximum $$$$ $$$ $$ $
Your premium cost per paycheck $ $$ $$$ $$$$
Prescription drugs After meeting your plan’s deductible, you pay a percentage of the cost (coinsurance), up to a maximum per prescription After meeting your plan’s deductible, you pay a percentage of the cost (coinsurance), up to a maximum per prescription The plan deductible does not apply; you pay a copay amount per prescription The plan deductible does not apply; you pay a copay amount per prescription

Are you eligible to contribute to an HSA?

If any of these situations apply to you this year, you are not eligible to contribute to an HSA:

  • I will be covered by Medicare or TRICARE.
  • I will be covered by another non-high deductible plan (a plan with a deductible less than $1,400 for individuals and $2,800 for families, based on 2022 limits.)
  • I will receive reimbursements for medical expenses from someone else’s general purpose flexible spending account.
  • I will be claimed as a dependent on someone else’s tax return.

If you are not eligible to contribute to an HSA, you cannot receive the BAE Systems HSA employer contribution. However, you are eligible to enroll in a Health Care Flexible Spending Account (FSA). This means you will be able to use your FSA funds for qualified expenses such as medical, dental, vision, and prescriptions.

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What you pay for in-network care

Plan Feature HSA Standard HSA Select Network Choice Copay
Deductible1 $3,000 individual
$6,000 family2
$2,000 individual
$4,000 family2
$1,000 individual
$2,000 family
$500 individual
$1,000 family
Out-of-pocket maximum $6,000 individual
$12,000 family
$4,000 individual
$8,000 family
$3,000 individual
$6,000 family
$2,500 individual
$5,000 family
Coinsurance for all non-preventive care You pay 20% coinsurance after deductible You pay 20% coinsurance after deductible You pay 20% coinsurance after deductible You pay a copay for almost all services after deductible3
Office visit with primary care physician You pay 20% coinsurance after deductible You pay 20% coinsurance after deductible You pay 10% or 20% coinsurance after deductible4 You pay a $25 copay (not subject to deductible)
Office visit with specialist You pay 20% coinsurance after deductible You pay 20% coinsurance after deductible You pay 10% or 20% coinsurance after deductible4 You pay a $50 copay (not subject to deductible)
X-ray and lab You pay 20% coinsurance after deductible You pay 20% coinsurance after deductible You pay 20% coinsurance after deductible You pay a $50 copay after deductible

1 Includes both pharmacy and medical expenses in HSA Standard and HSA Select. Includes medical expenses only in Network Choice and Copay.
2 If you cover one or more dependents, you must first meet the entire family deductible before the plan will begin to pay a benefit.
3 You pay 20% coinsurance after deductible for certain costs (e.g., ambulance transport, wheelchairs, prosthetics, and other medical equipment).
4 10% for doctors with a Cigna Brighter MatchSM ranking (or a Tier 1 and Cigna Care Designation); 20% for other providers.

Getting to know an HSA medical plan

If you are covering one or more family members, you must first meet the entire family deductible before the plan will begin to pay a benefit. Expenses for all covered family members contribute toward the family deductible.

Find out more

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TRICARE Supplement Insurance

TRICARE is the Department of Defense’s health benefit program for the military community. TRICARE Supplement Insurance is a voluntary insurance plan designed to supplement your TRICARE benefits and help minimize health care expenses. Learn more about the program and determine your eligibility.

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Cigna members: Save time and money with telehealth services

Connect virtually 24/7 with a board-certified doctor via a secure video chat from your laptop or mobile device. Once you meet your deductible, you pay only the applicable coinsurance for each visit.

Learn more

When to contact Cigna

A Cigna Customer Service Representative can help you with a range of issues, including:

  • Questions you may have about preventive care
  • Connect you with a health coach or clinical case manager
  • Help you locate doctors, hospitals, and other health care providers
  • Resolve billing and insurance claim issues
  • Assist with pre-authorizations
  • Provide guidance in medical claims appeals process and assistance in filing appeals

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Enrolling and benefits information

BAE Systems Benefit Center

8 a.m.–8 p.m. Eastern Time, Monday through Friday

+1-718-354-1341 (outside the U.S.)