MEDICAL BENEFITS
You have three medical options through Cigna, so you can select a plan that's right for you.
Cigna Medical Plan Options
The table below summarizes the key features of the medical plans. The deductibles, copays and coinsurance percentages in the following chart indicate the amounts for which you are responsible. Refer to the plan summaries for full details.
Not sure what a term means? Select the underlined text to learn more.
LocalPlus
Choice of Doctors & Hospitals LocalPlus Network Only (no coverage out-of-network)
Deductible $1,000 Individual $2,000 Family
Out-of-Pocket Maximum $3,500 Individual $7,000 Family
Your Coinsurance 20%
Preventive Care No charge
Doctor Visits $30 Primary Care | $45 Specialist
Emergency Care $30 Urgent Care | $100 ER
Prescription Drugs
Tier 1: $10 Tier 2: $30 Tier 3: $60 Tier 4: 20%
Open Access Plus
Choice of Doctors & Hospitals Out-of-Network coverage is available (Open Access Plus benefits shown below)
Deductible $1,500 Individual $3,000 Family
Out-of-Pocket Maximum $4,500 Individual $9,000 Family
Your Coinsurance 20%
Preventive Care No charge
Doctor Visits $30 Primary Care | $45 Specialist
Emergency Care $30 Urgent Care | $100 ER
Prescription Drugs
Tier 1: $10 Tier 2: $30 Tier 3: $60 Tier 4: 20%
HDHP LocalPlus (HSA)
Choice of Doctors & Hospitals LocalPlus Network Only (no coverage out-of-network)
Deductible $3,300 Individual $6,600 Family
Out-of-Pocket Maximum $5,000 Individual $10,000 Family
Your Coinsurance 20%
Preventive Care No charge
Doctor Visits You pay 20% after deductible
Emergency Care You pay 20% after deductible
Prescription Drugs
After deductible, you pay: Tier 1: $10 Tier 2: $30 Tier 3: $60 Tier 4: $80
Other Features Eligible for a Health Savings Account (plus get free money from Golden!)
Your Monthly Cost
LocalPlus
Employee $147
Employee & Spouse $308
Employee & Child(ren) $274
Family $460
Open Access Plus
Employee $198
Employee & Spouse $438
Employee & Child(ren) $398
Family $693
HDHP LocalPlus (HSA)
Employee $134
Employee & Spouse $281
Employee & Child(ren) $255
Family $401
Note: Medical-eligible wellness participants who complete the required activities will receive $50 per month ($600 annually) paid bi-weekly through payroll to use toward medical out-of-pocket expenses, Flex savings, or however you choose! Learn more.
Which Medical Plan is Best for You?
Cigna's Easy Choice tool makes choosing a plan easy. Simply answer some questions about your health needs, and the decision support tool will provide you with plan recommendations that you can compare and review.
Log in to Cigna Easy Choice below with code: VXGOVVXZ
MyCigna App
The myCigna app gives you an easy way to personalize, organize and access your health information on the go.
With the MyCigna app, you can:
- Order ID Cards
- Check on claim status
- Check your deductible and out-of-pocket maximum accumulators
- Register for mail-order pharmacy
- Use the cost estimator tools for medical services
- Access the prescription formulary to determine prescription costs
- Locate in-network providers
- Access additional health, wellness, and mental health resources
- And more!
HealthAdvocate
Get support for medical questions and issues, from common to complex.
HealthAdvocate can help:
- Answer questions about your benefits, diagnoses and treatment options
- Find the right in-network doctors and make appointments
- Research and arrange expert second opinions
- Facilitate pre-authorizations and coordinate benefits
- Resolve insurance claims and billing issues
- Get cost estimates for medical and dental procedures
866-695-8622
HealthAdvocate.com/members Email: answers@HealthAdvocate.com
Wellness Program
Earn cash for taking care of your health!
We believe that promoting good health and enhancing the quality of life of our employees is vital to the success of our organization.
That's why we sponsor a Wellness Program that encourages healthy behaviors.
You can earn up to $600 annually (paid in cash in your paycheck) and a chance at other great prizes when you participate in the wellness program.