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
Go to cigna.com and click on "Find a Provider, Dentist or Facility," then click on "Plans through your employer or school."
How your 2022 medical plans stack up
All four of our medical plans allow you to get the coverage you need with greater 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 the four medical plans
| 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.
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 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 drugs*: $75 per prescription (limited to 30-day supplies) |
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 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 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 enrolled in the Network Choice or 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.