2025 SPD for CIGNA HRA Plan

BENEFIT HIGHLIGHTS

IN-NETWORK

OUT-OF-NETWORK

Condition-Specific Care Physical Therapy Services Addresses spine, knee, hip, or shoulder pain, up to 5 visits, subject to Outpatient Physical Therapy maximum(s). To qualify, you must enroll in the Cigna Pathwell Bone & JointSM program and complete the program’s Welcome Assessment. Outpatient Cardiac Rehabilitation Calendar Year Maximum: 36 days

No charge

In-Network coverage only

No charge after the $40 Specialist per office visit copay

50% of the Maximum Reimbursable Charge after plan deductible

Chiropractic Care Calendar Year Maximum: 20 days Physician’s Office Visit

No charge after the $30 PCP or $40 Specialist per office visit copay

50% of the Maximum Reimbursable Charge after plan deductible

Home Health Care Services Calendar Year Maximum:

80% after plan deductible

50% of the Maximum Reimbursable Charge after plan deductible

120 days (includes outpatient private nursing when approved as Medically Necessary) Dialysis services in the home setting will not accumulate to the Home Health Care maximum (The limit is not applicable to Mental Health and Substance Use Disorder conditions.) . Hospice Inpatient Services

80% after plan deductible

50% of the Maximum Reimbursable Charge after plan deductible 50% of the Maximum Reimbursable Charge after plan deductible

Outpatient Services (same coinsurance level as Home Health Care Services)

80% after plan deductible

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