Compare your medical plan options

Cigna medical plans at a glance

 900 Deductible1850 Deductible w/HSA2850 Deductible w/HSA
Provider NetworkA large network: Cigna Open Access NetworkA large network: Cigna Open Access NetworkA limited network: Cigna LocalPlus Network
Deductible (Individual / Family)
In-network$900 / $1,800$1,850 / $3,700**$2,850 / $5,700**
Out-of-network*$3,000 / $6,000$3,700 / $7,400**$5,700 / $11,400**
Annual Out-of-pocket Maximum (Individual / Family)***
In-network$3,000 / $6,000$3,500 / $6,500$5,500 / $11,000
Out-of-network*$6,000 / $12,000$7,000 / $13,000$11,000 / $22,000
Plan PaysPlan PaysPlan Pays
Health Savings Account (HSA)
Western Union Contribution (Individual/Family, prorated for new hires)Not applicable$500 / $1,000 per year$500 / $1,000 per year
Preventive Care****
In-network100% no copay100% no deductible100% no deductible
Out-of-network*60% after deductible60% after deductible50% after deductible
Coinsurance
In-network80% after deductible80% after deductible70% after deductible
Out-of-network*60% after deductible60% after deductible50% after deductible
Office Visit
In-network100% after $40 Primary Care Provider copay / $80 Specialist copay80% after deductible70% after deductible
Out-of-network*60% after deductible60% after deductible50% after deductible
Cigna Telehealth100% after $40 copayYou pay full cost of visit, generally a fixed fee of around $50, until deductible is met, then coinsurance appliesYou pay full cost of visit, generally a fixed fee of around $50, until deductible is met, then coinsurance applies
Inpatient / Outpatient Hospital
In-network80% after deductible80% after deductible70% after deductible
Out-of-network*60% after deductible60% after deductible50% after deductible
Emergency Room
In-network80% after deductible80% after deductible70% after deductible
Out-of-network*80% after deductible80% after deductible70% after deductible
Prescription Drugs
Retail (up to 30-day supply)100% after $10 copay - generic, 70% (min $25 / max $50) - brand formulary, 55% (min $40 / max $80) - brand non-formulary80% after deductible70% after deductible
Mail order (31 to 90-day supply)100% after $25 copay - generic, 70% (min $62.50 / max $125) - brand formulary, 55% (min $100 / max $200) - brand non-formulary80% after deductible70% after deductible
How Much You Pay Each MonthSee your 2021 medical plan rates.
* Out-of-network expenses are subject to reasonable and customary limits. ** You pay the full cost of your medical and prescription drug expenses until your deductible has been met. *** Out-of-Pocket Maximum includes the deductible. **** Health care reform requires that all medical plans cover a specified list of preventive care services at 100% when received in-network (list subject to change based on recommendations from federal guidelines). Cost sharing may apply for network visits when preventive care services are provided in conjunction with an office visit.

Kaiser medical plans at a glance

If you live in California, Colorado, Georgia, Hawaii, Maryland, Virginia, Washington, or Washington, D.C., you have access to Cigna as well as three Kaiser Permanente medical options and the Kaiser network of providers. Kaiser Plans provide coverage only with in-network providers with the exception of emergency care.

 900 Deductible Plan1850 Deductible Plan with HSA2850 Deductible Plan with HSA
Plan PaysPlan PaysPlan Pays
Individual / Family Deductible$900 / $1,800$1,850 / $3,700$2,850 / $5,700
Individual / Family Out-of-Pocket Maximum$3,000 / $6,000$3,500 / $6,500$5,500 / $11,000
Plan Coinsurance80% after deductible80% after deductible70% after deductible
Office Visits*100% after $40 Primary Care Provider copay, 100% after $80 Specialist copay100% Preventive, 80% after deductible Primary Care Physician and Specialist100% Preventive, 70% after deductible Primary Care Physician and Specialist
Kaiser TelehealthApplicable copay80% after deductible70% after deductible
Inpatient Hospital Stays80% after deductible80% after deductible70% after deductible
Outpatient Hospital Visits80% after deductible80% after deductible70% after deductible
Emergency Room Visits80% after deductible80% after deductible70% after deductible
Retail Prescription Medications*100% after $10 copay - generic, 70% (min $25 / max $50) - brand formulary, 55% (min $40 / max $80) - brand non-formulary80% after deductible; deductible waived for some medications70% after deductible; deductible waived for some medications
Mail Order Prescription Medications*100% after $25 copay - generic, 70% (min $62.50 / max $125) - brand formulary, 55% (min $100 / max $200) - brand non-formulary80% after deductible; deductible waived for some medications70% after deductible; deductible waived for some medications
How Much You Pay Each MonthSee your 2021 medical plan rates.
* Plan details vary by Kaiser region.

In-network providers save you money

To Find a Cigna doctor, follow these steps:

  1. Visit cigna.com.
  2. Select “Find a Doctor, Dentist, or Facility.”
  3. Select “Employer or School” to answer the question “How are you covered?”
  4. If necessary, update the location by right clicking on the City, State and Zip code after “Find a Doctor, Dentist, or Facility in.”
  5. Choose your search criteria.

To find a Kaiser provider, follow these steps:

  1. Visit kp.org.
  2. Select “Find Doctors and Locations.”
  3. Search by Doctor or Location.
  4. Choose your region.
  5. Enter your search criteria.
  6. Select “Search.”
If you enroll in the Kaiser network, you will have in-network coverage only, except for emergency room or urgent care visits.