What you need to know
Our Cigna medical plans protect both your health and your finances. You can choose between two different plans. The Core Plus plan has lower payroll deductions, but you’ll pay more when you receive medical care. With the Health Plus plan, you’ll pay more out of your paycheck in exchange for a lower deductible.
Health Plus and Core Plus
You can choose between two different health plans: Health Plus and Core Plus. Both plans:
Cover the same health care services and prescription drugs.
Cover most medical services at 80% after deductible when you see Cigna doctors and other providers and at 60% when you see out-of-network providers.
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).
Offer the flexibility to see doctors and other providers both inside and out of the Cigna network and self-refer to specialists.
Give you the opportunity to earn incentive dollars from BAE Systems in a Health Savings Account (HSA) or Health Reimbursement Account (HRA) through the Wellness Incentive Program. You can use these funds to cover your initial out-of-pocket expenses, such as the deductible.
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.
Use Cigna’s Open Access Plus provider network.
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.
Use a Center 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.
What’s the difference between the plans?
There are five key differences:
1. Wellness incentives
You and your covered spouse can each earn incentive dollars from BAE Systems for completing Wellness Incentive Program activities. You can use these funds to cover the deductible and to pay your share of medical expenses.
Core Plus: Earn up to $400 if you have individual coverage and $800 if you have employee plus spouse coverage in a Health Savings Account (HSA).
Health Plus: Earn up to $800 if you have individual coverage and $1,600 if you have employee plus spouse coverage in a Health Reimbursement Account (HRA).
This is the amount you pay out of pocket before the plan begins to cover services. Your deductible depends on which medical plan you select, how many people you cover, and whether you use in- or out-of-network services.
3. Out-of-pocket maximum
This provides financial protection to you if you have high health care costs. It’s the most that you’ll pay (including the deductible) in a year for medical and prescription drug expenses.
4. Payroll deductions
Core Plus: Lower payroll deductions in exchange for a higher deductible and out-of-pocket maximum.
Health Plus: Higher payroll deductions in exchange for a lower deductible.
5. Prescription drug coverage
Core Plus: Covered at 80% after you meet the deductible.
Health Plus: Covered by a copay with no deductible.
Before enrolling in the Core Plus plan
If you are eligible or enrolled in Medicare or enrolled in TRICARE, you should not participate in the Core Plus plan due to IRS restrictions on participating in a Health Savings Account (HSA). Please contact the BAE Systems Benefit Center to discuss other options available to you.
What you pay for in-network care
|Plan features||Core Plus||Health Plus|
|Wellness Incentive Program awards from BAE Systems||$400 individual
$800 employee plus spouse
$1,600 employee plus spouse
|Out-of-pocket maximum*||$3,750 individual
|Preventive care||You pay nothing||You pay nothing|
|Coinsurance||20% after deductible||20% after deductible|
Primary care and specialist
|20% after deductible||20% after deductible|
|Urgent care||20% after deductible||20% after deductible|
|X-ray and lab||20% after deductible||20% after deductible|
* Includes both pharmacy and medical expenses in Core Plus. Includes medical expenses only in Health Plus. Learn more about Core Plus prescription drug coverage.
** If you cover one or more dependents, you must first meet the entire family deductible before the plan will begin to pay a benefit.
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."
Traditional Health is closed to new participants. Visit BenefitsNavigator to learn more about the other plans available to you.Learn more now
How the Traditional Health plan works
The Traditional Health plan offers:
A low in-network deductible ($800 for individual coverage or $1,600 per family).
The opportunity to earn incentive dollars from BAE Systems in a Health Reimbursement Account (HRA) through the Wellness Incentive Program. You can earn up to $400 if you have individual coverage and $800 if you cover yourself and your spouse. Use these funds to cover your initial out-of-pocket expenses, such as the deductible.
100% coverage for preventive care (no deductible or out-of-pocket cost to you for annual physical exams, lab tests, and age-appropriate screenings).
Office visits and prescription drugs covered in full after your copay.
The flexibility to see doctors and other providers both inside and out of the Cigna network and self-refer to specialists.
24/7 care through telehealth services that let you connect with a board-certified doctor through video chat without leaving your home or office.
Cigna’s Open Access Plus provider network.
Access to Cigna’s wellness programs, including personal health coaches and access to a 24/7 nurse line.
What you pay for in-network care
|Plan features||Traditional Health|
|Out-of-pocket maximum||$3,750 individual
|Preventive care||You pay nothing|
|Primary care office visits||$25 copay|
|Specialist office visits||$50 copay|
|Urgent care||$50 copay|
|X-ray and lab||20% after deductible|
TRICARE Supplement Insurance
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.
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
- Answering questions about your Health Reimbursement Account (HRA)
- Answering questions about your wellness incentives
- Provide guidance in medical claims appeals process and assistance in filing appeals