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

Our new medical plans offer a broader variety of options, with more flexibility in how to spend your health care dollars. All three plans provide you with the same comprehensive coverage through the Cigna network of providers and facilities. Prescription drugs will also continue to be administered by CVS Caremark.

The new plans differ in costs and provider network flexibility

Plan features HSA Primary HSA Plus I&S Copay
Provider network flexibility 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

Check if your provider is in-network

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

Our new medical plan options allow you to get the coverage you need and offer more flexibility in how you pay your share of the costs.

The 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 the three medical plans

Plan Feature HSA Primary HSA Plus I&S Copay
Deductible1 $3,000 individual
$6,000 family2
$2,000 individual
$4,000 family2
$500 individual
$1,000 family
Out-of-pocket maximum $6,500 individual
$13,000 family
$4,500 individual
$9,000 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 a copay for almost all services3
Office visit with primary care physician You pay 20% coinsurance after deductible You pay 20% coinsurance after deductible 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 a $50 copay (not subject to deductible)

1 Includes both pharmacy and medical expenses in HSA Primary and HSA Plus. Includes medical expenses only in I&S 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).

Enrolled in 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 one individual meets the individual out of pocket maximum, or the family’s out of pocket costs in total have reached the maximum amount.

Prescription drug coverage

  HSA Primary & HSA Plus I&S 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 drugs*: $75 per prescription (limited to 30-day supplies)
Plan deductible does not apply, and you pay a copay amount:

Generic: up to $15 per prescription

Formulary brand: $50 per prescription

Non-formulary brand: $100 per prescription

Specialty drugs*: 30% coinsurance per prescription ($0 if you enroll in the PrudentRx CVS savings program – see “PrudentRx Program for specialty drug savings”) limited to 30 day supplies
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

* Specialty drugs must be filled through the CVS Caremark Specialty Pharmacy. Fills are limited to a 30 day supply.

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 you pay on each type of prescription.

The I&S Copay plan features new Rx savings. Taking the limit on your medication costs a step further, the I&S Copay plan includes 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 enrolled in the I&S Copay medical plan and currently take a specialty medication, you’ll receive a home mailing 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

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