Medical
Medical coverage offers healthcare protection for you and your family. You may visit any medical provider you choose, but in-network providers offer the highest level of benefits and lower out-of-pocket costs. Network providers charge members reduced, contracted fees instead of their typical fees. Providers outside the plan’s network set their own rates, so you may be responsible for the difference if a provider’s fees are above the Reasonable and Customary (R&C) limits.
Preventive Care – like physical exams, flu shots, and screenings – is always covered 100% when you use in-network providers. The key difference between the plans is the amount of money you’ll pay each pay period and when you need care.
Each plan has different:
- Annual deductible amounts – the amount you pay each year for eligible in-network and out-of-network charges before the plan begins to pay.
- Out-of-pocket maximums – the most you will pay each year for eligible network services and/or prescriptions. After you reach your out-of-pocket maximum, the plan picks up the full cost of covered medical care for the remainder of the year.
- Copays – A copay is a fixed amount you pay for a health care service. Copays do not count toward your deductible but do count toward your annual out-of-pocket maximum.
- Coinsurance – Once you’ve met your deductible, you and the plan share the cost of care, which is called coinsurance. For example, you pay 20% for services and the plan will pay 80% of the cost until you have reached your out-of-pocket maximum.
Cigna OAP PPO
Plan Information
Plan Name: Cigna OAP PPO
Policy Number: 620251
Effective Date: 01/01/2025
Provider Network: Cigna
In-Network Benefit Highlights
Deductible (Individual/Family)
$XX/$XX
Out-of-Pocket Max (Individual/Family)
$XX/$XX
Preventive Care
$XX
Primary Care Visit
$XX
Specialist Visit
$XX
Urgent Care
$XX
Emergency Room
$XX
Benefit Highlights
In-Network
Deductible (Individual/Family)
$150/$450
Out-of-Pocket Max (Individual/Family)
$2,000/$4,000
Preventive Care
$0 (deductible waived)
Primary Care Visit
$10 (deductible waived)
Specialist Visit
$10 (deductible waived)
Urgent Care
$10 (deductible waived)
Emergency Room
$100 copay + 10% coinsurance (copay waived if admitted)
Retail Rx (Up to 30-Day Supply)
Generic
$15 copay
Preferred Brand
$25 copay
Non-Preferred Brand
$45 copay
Mail-Order Rx (Up to 90-Day Supply)
Generic
$45 copay
Preferred Brand
$75 copay
Non-Preferred Brand
$135 copay
Out-of-Network
Deductible (Individual/Family)
$150/$450
Out-of-Pocket Max (Individual/Family)
$6,000/$12,000
Preventive Care
30% coinsurance
Primary Care Visit
30% coinsurance
Specialist Visit
30% coinsurance
Urgent Care
30% coinsurance
Emergency Room
$100 copay + 10% coinsurance (copay waived if admitted)
Retail Rx (Up to 30-Day Supply)
Generic
50% coinsurance
Preferred Brand
50% coinsurance
Non-Preferred Brand
50% coinsurance
Mail-Order Rx (Up to 90-Day Supply)
Generic
Not covered
Preferred Brand
Not covered
Non-Preferred Brand
Not covered
Contact Information
Cigna HDHP / HSA
Plan Information
Plan Name: Cigna HDHP / HSA
Policy Number: 620251
Effective Date: 01/01/2025
Provider Network: Cigna
In-Network Benefit Highlights
Deductible (Individual/Family)
$XX/$XX
Out-of-Pocket Max (Individual/Family)
$XX/$XX
Preventive Care
$XX
Primary Care Visit
$XX
Specialist Visit
$XX
Urgent Care
$XX
Emergency Room
$XX
Benefit Highlights
In-Network
Deductible (Individual/Family)
$1,650/$3,300
Out-of-Pocket Max (Individual/Family)
$3,000/$6,000
Preventive Care
$0 (deductible waived)
Primary Care Visit
10% coinsurance
Specialist Visit
10% coinsurance
Urgent Care
10% coinsurance
Emergency Room
10% coinsurance
Retail Rx (Up to 30-Day Supply)
Generic
$15 copay after deductible
Preferred Brand
$40 copay after deductible
Non-Preferred Brand
$60 copay after deductible
Mail-Order Rx (Up to 90-Day Supply)
Generic
$45 copay after deductible
Preferred Brand
$120 copay after deductible
Non-Preferred Brand
$180 copay after deductible
Out-of-Network
Deductible (Individual/Family)
$3,900/$7,800
Out-of-Pocket Max (Individual/Family)
$9,000/$18,000
Preventive Care
30% coinsurance
Primary Care Visit
30% coinsurance
Specialist Visit
30% coinsurance
Urgent Care
30% coinsurance
Emergency Room
10% coinsurance
Retail Rx (Up to 30-Day Supply)
Generic
50% coinsurance
Preferred Brand
50% coinsurance
Non-Preferred Brand
50% coinsurance
Mail-Order Rx (Up to 90-Day Supply)
Generic
Not covered
Preferred Brand
Not covered
Non-Preferred Brand
Not covered
Plan Documents
Contact Information
Cigna EPO
Plan Information
Plan Name: Cigna EPO
Policy Number: 620251
Effective Date: 01/01/2025
Provider Network: Cigna
In-Network Benefit Highlights
Deductible (Individual/Family)
$XX/$XX
Out-of-Pocket Max (Individual/Family)
$XX/$XX
Preventive Care
$XX
Primary Care Visit
$XX
Specialist Visit
$XX
Urgent Care
$XX
Emergency Room
$XX
Benefit Highlights
In-Network Only
Deductible (Individual/Family)
$0
Out-of-Pocket Max (Individual/Family)
$2,500/$5,000
Preventive Care
$0
Primary Care Visit
$20 copay
Specialist Visit
$40 copay
Urgent Care
$20 copay
Emergency Room
$150 copay (copay waived if admitted)
Retail Rx (Up to 30-Day Supply)
Generic
$15 copay
Preferred Brand
$30 copay
Non-Preferred Brand
$50 copay
Mail-Order Rx (Up to 30-Day Supply)
Generic
$45 copay
Preferred Brand
$90 copay
Non-Preferred Brand
$150 copay
Contact Information
Kaiser HMO (CA)
Plan Information
Plan Name: Kaiser HMO (CA)
Policy Number: 706341
Effective Date: 01/01/2025
Provider Network: Kaiser
In-Network Benefit Highlights
Deductible (Individual/Family)
$XX/$XX
Out-of-Pocket Max (Individual/Family)
$XX/$XX
Preventive Care
$XX
Primary Care Visit
$XX
Specialist Visit
$XX
Urgent Care
$XX
Emergency Room
$XX
Benefit Highlights
In-Network Only
Deductible (Individual/Family)
$0
Out-of-Pocket Max (Individual/Family)
$3,000/$6,000
Preventive Care
$0
Primary Care Visit
$20 copay
Specialist Visit
$40 copay
Urgent Care
$20 copay
Emergency Room
$150 copay (copay waived if admitted)
Retail Rx (Up to 30-Day Supply)
Generic
$15 copay
Preferred Brand
$30 copay
Non-Preferred Brand
$30 copay
Mail-Order Rx (Up to 100-Day Supply)
Generic
$30 copay
Preferred Brand
$60 copay
Non-Preferred Brand
$60 copay