Your Medical Benefits
Medical
Group # 00652047
Your employer has chosen Cigna for your healthcare benefits. The information below provides a high-level summary of your out-of-pocket costs (deductibles, copays and/or coinsurance) as well as your benefits and coverage.
| OAP HDHPQ Plan - HDHPQ OAP | Open Access Plus Plan - OAP | |
|---|---|---|
| Plan Coinsurance | ||
| In-Network | Plan pays 80% | Plan pays 80% |
| Out-Of-Network | Plan pays 60% | Plan pays 50% |
| Individual Deductible | ||
| In-Network | Individual - Employee Only: $2,000 Individual - within a Family: $3,400 | Individual: $1,000 |
| Out-Of-Network | Individual - Employee Only: $4,000 Individual - within a Family: $6,800 | Individual: $2,000 |
| Family Deductible | ||
| In-Network | Family Maximum: $4,000 | Family: $2,000 |
| Out-Of-Network | Family Maximum: $8,000 | Family: $4,000 |
| Individual Out-of-Pocket | ||
| In-Network | Individual - Employee Only: $4,000 Individual - within a Family: $4,000 | Individual: $6,000 |
| Out-Of-Network | Individual - Employee Only: $8,000 Individual - within a Family: $8,000 | Individual: $12,000 |
| Family Out-of-Pocket | ||
| In-Network | Family Maximum: $8,000 | Family: $12,000 |
| Out-Of-Network | Family Maximum: $16,000 | Family: $24,000 |
| Primary Care Office Visit | ||
| In-Network | Plan pays 80% | $50 copay, and plan pays 100% |
| Out-Of-Network | Plan pays 60% | Plan pays 50% |
| Specialist Care Office Visit | ||
| In-Network | Plan pays 80% | $65 copay, and plan pays 100% |
| Out-Of-Network | Plan pays 60% | Plan pays 50% |
| Emergency Room | ||
| Plan pays 80% | $150 copay, and plan pays 100% | |
| Urgent Care | ||
| In-Network | Plan pays 80% | $75 copay, and plan pays 80% |
| Out-Of-Network | Plan pays 60% | Plan pays 50% |
| Outpatient Radiology | ||
| In-Network | Plan pays 80% | Plan pays 100% |
| Out-Of-Network | Plan pays 60% | Plan pays 50% |
| Independent Laboratory | ||
| In-Network | Plan pays 80% | Plan pays 100% |
| Out-Of-Network | Plan pays 60% | Plan pays 50% |
| Outpatient Physical, Speech, Hearing, and Occupational Therapy | ||
| In-Network | Plan pays 80% | Plan pays 80% |
| Out-Of-Network | Plan pays 60% | Plan pays 50% |
| Pharmacy Formulary | ||
| Advantage | Advantage | |
| Retail Pharmacy Customer Share | ||
| In-Network | Retail: You pay 20% Your plan pays 80% | Retail (per 30-day supply): Generic: You pay $15 Preferred Brand: You pay $45 Non-Preferred Brand: You pay $75 Specialty: You pay 20% Retail (per 90-day supply): Generic: You pay $38 Preferred Brand: You pay $113 Non-Preferred Brand: You pay $225 |
| Out-Of-Network | Not Covered for all benefits | Not Covered for all benefits |
| Home Delivery Pharmacy Customer Share | ||
| In-Network | Home Delivery: You pay 20% Your plan pays 80% | Home Delivery (per 90-day supply): Generic: You pay $38 Preferred Brand: You pay $113 Non-Preferred Brand: You pay $225 Specialty: You pay 20% |
| Out-Of-Network | Not Covered for all benefits | Not Covered for all benefits |
Plan Coinsurance
| OAP HDHPQ Plan - HDHPQ OAP | |
|---|---|
| In-Network | Plan pays 80% |
| Out-of-Network | Plan pays 60% |
| Open Access Plus Plan - OAP | |
|---|---|
| In-Network | Plan pays 80% |
| Out-of-Network | Plan pays 50% |
Individual Deductible
| OAP HDHPQ Plan - HDHPQ OAP | |
|---|---|
| In-Network | Individual - Employee Only: $2,000 Individual - within a Family: $3,400 |
| Out-of-Network | Individual - Employee Only: $4,000 Individual - within a Family: $6,800 |
| Open Access Plus Plan - OAP | |
|---|---|
| In-Network | Individual: $1,000 |
| Out-of-Network | Individual: $2,000 |
Family Deductible
| OAP HDHPQ Plan - HDHPQ OAP | |
|---|---|
| In-Network | Family Maximum: $4,000 |
| Out-of-Network | Family Maximum: $8,000 |
| Open Access Plus Plan - OAP | |
|---|---|
| In-Network | Family: $2,000 |
| Out-of-Network | Family: $4,000 |
Individual Out-of-Pocket
| OAP HDHPQ Plan - HDHPQ OAP | |
|---|---|
| In-Network | Individual - Employee Only: $4,000 Individual - within a Family: $4,000 |
| Out-of-Network | Individual - Employee Only: $8,000 Individual - within a Family: $8,000 |
| Open Access Plus Plan - OAP | |
|---|---|
| In-Network | Individual: $6,000 |
| Out-of-Network | Individual: $12,000 |
Family Out-of-Pocket
| OAP HDHPQ Plan - HDHPQ OAP | |
|---|---|
| In-Network | Family Maximum: $8,000 |
| Out-of-Network | Family Maximum: $16,000 |
| Open Access Plus Plan - OAP | |
|---|---|
| In-Network | Family: $12,000 |
| Out-of-Network | Family: $24,000 |
Primary Care Office Visit
| OAP HDHPQ Plan - HDHPQ OAP | |
|---|---|
| In-Network | Plan pays 80% |
| Out-of-Network | Plan pays 60% |
| Open Access Plus Plan - OAP | |
|---|---|
| In-Network | $50 copay, and plan pays 100% |
| Out-of-Network | Plan pays 50% |
Specialist Care Office Visit
| OAP HDHPQ Plan - HDHPQ OAP | |
|---|---|
| In-Network | Plan pays 80% |
| Out-of-Network | Plan pays 60% |
| Open Access Plus Plan - OAP | |
|---|---|
| In-Network | $65 copay, and plan pays 100% |
| Out-of-Network | Plan pays 50% |
Emergency Room
| OAP HDHPQ Plan - HDHPQ OAP | |
|---|---|
| Plan pays 80% |
| Open Access Plus Plan - OAP | |
|---|---|
| $150 copay, and plan pays 100% |
Urgent Care
| OAP HDHPQ Plan - HDHPQ OAP | |
|---|---|
| In-Network | Plan pays 80% |
| Out-of-Network | Plan pays 60% |
| Open Access Plus Plan - OAP | |
|---|---|
| In-Network | $75 copay, and plan pays 80% |
| Out-of-Network | Plan pays 50% |
Outpatient Radiology
| OAP HDHPQ Plan - HDHPQ OAP | |
|---|---|
| In-Network | Plan pays 80% |
| Out-of-Network | Plan pays 60% |
| Open Access Plus Plan - OAP | |
|---|---|
| In-Network | Plan pays 100% |
| Out-of-Network | Plan pays 50% |
Independent Laboratory
| OAP HDHPQ Plan - HDHPQ OAP | |
|---|---|
| In-Network | Plan pays 80% |
| Out-of-Network | Plan pays 60% |
| Open Access Plus Plan - OAP | |
|---|---|
| In-Network | Plan pays 100% |
| Out-of-Network | Plan pays 50% |
Outpatient Physical, Speech, Hearing, and Occupational Therapy
| OAP HDHPQ Plan - HDHPQ OAP | |
|---|---|
| In-Network | Plan pays 80% |
| Out-of-Network | Plan pays 60% |
| Open Access Plus Plan - OAP | |
|---|---|
| In-Network | Plan pays 80% |
| Out-of-Network | Plan pays 50% |
Pharmacy Formulary
| OAP HDHPQ Plan - HDHPQ OAP | |
|---|---|
| Advantage |
| Open Access Plus Plan - OAP | |
|---|---|
| Advantage |
Retail Pharmacy Customer Share
| OAP HDHPQ Plan - HDHPQ OAP | |
|---|---|
| In-Network | Retail: You pay 20% Your plan pays 80% |
| Open Access Plus Plan - OAP | |
|---|---|
| In-Network | Retail (per 30-day supply): Generic: You pay $15 Preferred Brand: You pay $45 Non-Preferred Brand: You pay $75 Specialty: You pay 20% Retail (per 90-day supply): Generic: You pay $38 Preferred Brand: You pay $113 Non-Preferred Brand: You pay $225 |
Home Delivery Pharmacy Customer Share
| OAP HDHPQ Plan - HDHPQ OAP | |
|---|---|
| In-Network | Home Delivery: You pay 20% Your plan pays 80% |
| Open Access Plus Plan - OAP | |
|---|---|
| In-Network | Home Delivery (per 90-day supply): Generic: You pay $38 Preferred Brand: You pay $113 Non-Preferred Brand: You pay $225 Specialty: You pay 20% |
All plans have exclusions and limitations. For a summary of these exclusions and limitations, view the Summary of Benefits and Coverage.
Medical
Group # 00652047
Your employer has chosen Cigna for your healthcare benefits. The information below provides a high-level summary of your out-of-pocket costs (deductibles, copays and/or coinsurance) as well as your benefits and coverage.
| OAP HDHPQ Plan - HDHPQ OAP | Open Access Plus Plan - OAP | |
|---|---|---|
| Plan Coinsurance | ||
| In-Network | Plan pays 80% | Plan pays 80% |
| Out-Of-Network | Plan pays 60% | Plan pays 50% |
| Individual Deductible | ||
| In-Network | Individual - Employee Only: $2,000 Individual - within a Family: $3,400 | Individual: $1,000 |
| Out-Of-Network | Individual - Employee Only: $4,000 Individual - within a Family: $6,800 | Individual: $2,000 |
| Family Deductible | ||
| In-Network | Family Maximum: $4,000 | Family: $2,000 |
| Out-Of-Network | Family Maximum: $8,000 | Family: $4,000 |
| Individual Out-of-Pocket | ||
| In-Network | Individual - Employee Only: $4,000 Individual - within a Family: $4,000 | Individual: $6,000 |
| Out-Of-Network | Individual - Employee Only: $8,000 Individual - within a Family: $8,000 | Individual: $12,000 |
| Family Out-of-Pocket | ||
| In-Network | Family Maximum: $8,000 | Family: $12,000 |
| Out-Of-Network | Family Maximum: $16,000 | Family: $24,000 |
| Primary Care Office Visit | ||
| In-Network | Plan pays 80% | $50 copay, and plan pays 100% |
| Out-Of-Network | Plan pays 60% | Plan pays 50% |
| Specialist Care Office Visit | ||
| In-Network | Plan pays 80% | $65 copay, and plan pays 100% |
| Out-Of-Network | Plan pays 60% | Plan pays 50% |
| Emergency Room | ||
| Plan pays 80% | $150 copay, and plan pays 100% | |
| Urgent Care | ||
| In-Network | Plan pays 80% | $75 copay, and plan pays 80% |
| Out-Of-Network | Plan pays 60% | Plan pays 50% |
| Outpatient Radiology | ||
| In-Network | Plan pays 80% | Plan pays 100% |
| Out-Of-Network | Plan pays 60% | Plan pays 50% |
| Independent Laboratory | ||
| In-Network | Plan pays 80% | Plan pays 100% |
| Out-Of-Network | Plan pays 60% | Plan pays 50% |
| Outpatient Physical, Speech, Hearing, and Occupational Therapy | ||
| In-Network | Plan pays 80% | Plan pays 80% |
| Out-Of-Network | Plan pays 60% | Plan pays 50% |
| Pharmacy Formulary | ||
| Advantage | Advantage | |
| Retail Pharmacy Customer Share | ||
| In-Network | Retail: You pay 20% Your plan pays 80% | Retail (per 30-day supply): Generic: You pay $15 Preferred Brand: You pay $45 Non-Preferred Brand: You pay $75 Specialty: You pay 20% Retail (per 90-day supply): Generic: You pay $38 Preferred Brand: You pay $113 Non-Preferred Brand: You pay $225 |
| Out-Of-Network | Not Covered for all benefits | Not Covered for all benefits |
| Home Delivery Pharmacy Customer Share | ||
| In-Network | Home Delivery: You pay 20% Your plan pays 80% | Home Delivery (per 90-day supply): Generic: You pay $38 Preferred Brand: You pay $113 Non-Preferred Brand: You pay $225 Specialty: You pay 20% |
| Out-Of-Network | Not Covered for all benefits | Not Covered for all benefits |
Plan Coinsurance
| OAP HDHPQ Plan - HDHPQ OAP | |
|---|---|
| In-Network | Plan pays 80% |
| Out-of-Network | Plan pays 60% |
| Open Access Plus Plan - OAP | |
|---|---|
| In-Network | Plan pays 80% |
| Out-of-Network | Plan pays 50% |
Individual Deductible
| OAP HDHPQ Plan - HDHPQ OAP | |
|---|---|
| In-Network | Individual - Employee Only: $2,000 Individual - within a Family: $3,400 |
| Out-of-Network | Individual - Employee Only: $4,000 Individual - within a Family: $6,800 |
| Open Access Plus Plan - OAP | |
|---|---|
| In-Network | Individual: $1,000 |
| Out-of-Network | Individual: $2,000 |
Family Deductible
| OAP HDHPQ Plan - HDHPQ OAP | |
|---|---|
| In-Network | Family Maximum: $4,000 |
| Out-of-Network | Family Maximum: $8,000 |
| Open Access Plus Plan - OAP | |
|---|---|
| In-Network | Family: $2,000 |
| Out-of-Network | Family: $4,000 |
Individual Out-of-Pocket
| OAP HDHPQ Plan - HDHPQ OAP | |
|---|---|
| In-Network | Individual - Employee Only: $4,000 Individual - within a Family: $4,000 |
| Out-of-Network | Individual - Employee Only: $8,000 Individual - within a Family: $8,000 |
| Open Access Plus Plan - OAP | |
|---|---|
| In-Network | Individual: $6,000 |
| Out-of-Network | Individual: $12,000 |
Family Out-of-Pocket
| OAP HDHPQ Plan - HDHPQ OAP | |
|---|---|
| In-Network | Family Maximum: $8,000 |
| Out-of-Network | Family Maximum: $16,000 |
| Open Access Plus Plan - OAP | |
|---|---|
| In-Network | Family: $12,000 |
| Out-of-Network | Family: $24,000 |
Primary Care Office Visit
| OAP HDHPQ Plan - HDHPQ OAP | |
|---|---|
| In-Network | Plan pays 80% |
| Out-of-Network | Plan pays 60% |
| Open Access Plus Plan - OAP | |
|---|---|
| In-Network | $50 copay, and plan pays 100% |
| Out-of-Network | Plan pays 50% |
Specialist Care Office Visit
| OAP HDHPQ Plan - HDHPQ OAP | |
|---|---|
| In-Network | Plan pays 80% |
| Out-of-Network | Plan pays 60% |
| Open Access Plus Plan - OAP | |
|---|---|
| In-Network | $65 copay, and plan pays 100% |
| Out-of-Network | Plan pays 50% |
Emergency Room
| OAP HDHPQ Plan - HDHPQ OAP | |
|---|---|
| Plan pays 80% |
| Open Access Plus Plan - OAP | |
|---|---|
| $150 copay, and plan pays 100% |
Urgent Care
| OAP HDHPQ Plan - HDHPQ OAP | |
|---|---|
| In-Network | Plan pays 80% |
| Out-of-Network | Plan pays 60% |
| Open Access Plus Plan - OAP | |
|---|---|
| In-Network | $75 copay, and plan pays 80% |
| Out-of-Network | Plan pays 50% |
Outpatient Radiology
| OAP HDHPQ Plan - HDHPQ OAP | |
|---|---|
| In-Network | Plan pays 80% |
| Out-of-Network | Plan pays 60% |
| Open Access Plus Plan - OAP | |
|---|---|
| In-Network | Plan pays 100% |
| Out-of-Network | Plan pays 50% |
Independent Laboratory
| OAP HDHPQ Plan - HDHPQ OAP | |
|---|---|
| In-Network | Plan pays 80% |
| Out-of-Network | Plan pays 60% |
| Open Access Plus Plan - OAP | |
|---|---|
| In-Network | Plan pays 100% |
| Out-of-Network | Plan pays 50% |
Outpatient Physical, Speech, Hearing, and Occupational Therapy
| OAP HDHPQ Plan - HDHPQ OAP | |
|---|---|
| In-Network | Plan pays 80% |
| Out-of-Network | Plan pays 60% |
| Open Access Plus Plan - OAP | |
|---|---|
| In-Network | Plan pays 80% |
| Out-of-Network | Plan pays 50% |
Pharmacy Formulary
| OAP HDHPQ Plan - HDHPQ OAP | |
|---|---|
| Advantage |
| Open Access Plus Plan - OAP | |
|---|---|
| Advantage |
Retail Pharmacy Customer Share
| OAP HDHPQ Plan - HDHPQ OAP | |
|---|---|
| In-Network | Retail: You pay 20% Your plan pays 80% |
| Open Access Plus Plan - OAP | |
|---|---|
| In-Network | Retail (per 30-day supply): Generic: You pay $15 Preferred Brand: You pay $45 Non-Preferred Brand: You pay $75 Specialty: You pay 20% Retail (per 90-day supply): Generic: You pay $38 Preferred Brand: You pay $113 Non-Preferred Brand: You pay $225 |
Home Delivery Pharmacy Customer Share
| OAP HDHPQ Plan - HDHPQ OAP | |
|---|---|
| In-Network | Home Delivery: You pay 20% Your plan pays 80% |
| Open Access Plus Plan - OAP | |
|---|---|
| In-Network | Home Delivery (per 90-day supply): Generic: You pay $38 Preferred Brand: You pay $113 Non-Preferred Brand: You pay $225 Specialty: You pay 20% |
All plans have exclusions and limitations. For a summary of these exclusions and limitations, view the Summary of Benefits and Coverage.