Coverages

You have access to three medical plans: a PPO plan, an HMO plan, and two HSA-eligible plans. And depending on where you live, you have access to Cigna, Kaiser Permanente, or both provider networks.

Overview of coverages.

Each plan provides a range of coverage levels and costs, including preventive care covered at 100%, prescription drug coverage, and the protection of an out-of-pocket maximum – a feature that limits what you pay in any year if you have large medical expenses.

  
Medical PlanDescription
900 Deductible Plan
  • An HMO plan (if you choose Kaiser) or Traditional PPO plan (if you choose Cigna) with the lowest deductible
  • No HSA
  • Highest cost per paycheck
  • If you choose Cigna, flexibility (broad network) — you pay less when you use providers in the Cigna Open Access Network
  • If you choose Kaiser, you must use a provider in the Kaiser network for services to be covered, except for emergency room or urgent care visits
  • You have the option to participate in the Health Care Flexible Spending Account (FSA)
1850 Deductible Plan w/HSA
  • A consumer-driven health plan with a moderate deductible offset by HSA dollars
  • HSA — funded by Western Union and you
  • Moderate cost per paycheck
  • If you choose Cigna, flexibility (broad network) — you pay less when you use providers in the Cigna Open Access Network
  • If you choose Kaiser, you must use a provider in the Kaiser network for services to be covered, except for emergency room or urgent care visits
  • You have the option to participate in the Combination Flexible Spending Account (FSA)
2850 Deductible Plan w/HSA
  • A consumer-driven health plan with the highest deductible, but it’s offset by HSA dollars
  • HSA — funded by Western Union and you
  • Lowest cost per paycheck
  • If you choose Cigna, limited (smallest network) — you have fewer network providers to choose from, but you pay less and receive more coordinated care when you use providers in the narrow Cigna LocalPlus Network
  • If you choose Kaiser, you must use a provider in the Kaiser network for services to be covered, except for emergency room or urgent care visits
  • You have the option to participate in the Combination Flexible Spending Account (FSA)

Prescription drugs

Prescription drug coverage comes with every Western Union medical plan and is provided by Cigna or Kaiser – depending on the medical plan you elect. The amount you pay depends on which medical plan you choose and where you purchase the prescription (retail drug store or mail order).

For plan details, see the medical plan comparison charts in the Compare Your Medical Plan Options.

Save money with generic drugs

Switching from brand-name drugs to generic, when appropriate, can save you money. Oftentimes, generics work just as well as brand-name drugs – at a fraction of the cost. For example, a 30-day supply of Crestor, a cholesterol-lowering medication, costs nearly $400. Its generic equivalent costs under $10! Ask your doctor if it’s possible to switch your prescriptions from brand-name drugs to generic.

For plan details, see the medical plan comparison charts in the Compare Your Medical Plan Options.