Your 2022 medical plan options

What you need to know

Our new medical plans offer a wider variety of options intended to meet the diverse needs of all our employees.

Our new medical plan options offer something for everyone

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

The new plans differ in costs and provider network flexibility

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

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

How your 2022 medical plans stack up

You have a broader range of plans from which to choose, that allows you to get the coverage you need with more flexibility around how you pay your share of the costs.

The four new plans feature similar medical and prescription coverage

  • Doctor and specialist visits, telemedicine, urgent care, and hospital stays are covered.
  • Preventive care services, including yearly checkups and preventive screenings (like mammograms and colonoscopies), and immunizations are all covered at 100%.
  • All use Cigna’s national network of providers.
  • Prescription drug coverage continues to be provided through CVS Caremark.

A closer look at how the plans compare

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)

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.

Considering an HSA 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. Once the family deductible is met, you will pay 20% of expenses for the rest of the plan year, until you meet the plan out of pocket maximum.

Prescription drug coverage

  HSA Standard & HSA Select Network Choice & Copay
Retail (up to 30-day supply) Under the HSA plans, after meeting your deductible, you pay 20% coinsurance, up to a maximum of:

Generic: $15 per prescription

Formulary brand: $50 per prescription

Non-formulary brand: $100 per prescription

Specialty pharmacy: $75 per prescription
Plan deductible does not apply, and you pay a copay amount of:

Generic: up to $15 per prescription

Formulary brand: $50 per prescription

Non-formulary brand: $100 per prescription

Specialty pharmacy: 30% coinsurance per prescription ($0 if you enroll in the PrudentRx CVS savings program – see “An extra dose of details on Rx costs”)
Mail order (up to a 90-day supply) Receive a 90-day supply for 2.5 times the 30-day retail cost Receive a 90-day supply for 2.5 times the 30-day retail cost

An extra dose of details on Rx costs

Medication cost limits will help you manage your drug costs. All our new plans include limits on prescription medication costs by setting a maximum amount that you pay on each type of prescription.

Network Choice and Copay plans feature new Rx savings. Both plans include a new feature that allows you to get certain specialty medications at no cost by enrolling in the PrudentRx program. The program only applies to specialty medications for chronic, progressive conditions that are included on Prudent Rx Specialty drug list.

If you currently take these medications, be sure to consider how the plan you choose covers prescriptions. If you choose the Network Choice or Copay medical plan and currently take a specialty medication, you’ll receive a home mailing in December that explains this new PrudentRx program.

Need help understanding key terms?

Check out Terms to know to learn more about key terms that apply to your benefit options.

Learn more

Take a close look at our NEW Medical Plan Evaluator

While we can’t predict the future, our new Medical Plan Evaluator is an interactive tool that can help you evaluate your new plan options based on information that applies just to you and your covered family members.

Get a head start on evaluating your plan choices

Check out the Medical Plan Evaluator beginning October 6 on BenefitsNavigator, so you’ll be ready to make your plan elections when Annual Enrollment opens on October 13. Answer a few short questions to get started, and personalize your plan evaluation.

Here are some initial steps to take.

  • Run the tool based on your 2020 claims history that is already loaded into the tool, and see which plan is the best fit for you.
  • Review how the tool has ranked your plan options.
  • Look ahead, and consider how your medical needs may change for 2022. Are you expecting a baby or planning elective surgery, such as a knee replacement?
  • Reflect these differences in your projected 2022 costs in the tool, and run it again to see if this affects your plan costs and rankings.

Check your data! The Medical Plan Evaluator uses 2020 medical claims data. If you were new to BAE Systems or were not enrolled in a 2020 Cigna medical plan, you will need to customize your 2022 cost estimate by entering your anticipated health care needs.

« Back to Annual Enrollment 2022