Benefits for 2025
Medical
NEW Cigna PPO Plan
In Network (National)
What you pay
Out of Network
Preventive Care
No Charge
50% after deductible
Coinsurance
Plan pays 70%
Plan pays 50%
Office Visit: PCP / Specialist
$30 Copay / $50 Copay 50% after deductible
$350 Copay then 30% after Deductible (Copay waived if admitted)
Emergency Room
Urgent Care
$50 Copay
50% after Deductible
Complex Imaging (Outpatient)
30% after Deductible
50% after Deductible
Lab & X-Ray (Outpatient)
30% after Deductible
50% after Deductible
Inpatient Hospital
30% after Deductible
50% after Deductible
Outpatient Surgery
30% after Deductible
50% after Deductible
Deductible (Individual / Family)
$2,500 / $5,000
$3,000 / $6,000
Out-of-Pocket Max (Individual / Family)
$5,000 / $10,000
$15,000 / $30,000
Rx Copays (Retail or Mail Order Supply)
$15 / $35 / $70
Not Covered
Notes: Plan offers access to Cigna’s Open Access Plus National Network of doctors/hospitals All copays, deductibles, & coinsurance apply towards the out-of-pocket max Out-of-Network services are paid based on allowable charges. Member may be responsible for paying the balance of the billed amount above that rate (commonly known as “balance billing”)
Employee Cost Per Pay Period (26)
New PPO Plan
Employee Only
$123.40
Employee + 1
$431.36
Employee + Family
$577.56
* Member may be responsible for any amount over the allowed amount
This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations, and exclusions set forth in each insurance carrier or provider’s contract.
2025 Employee Benefit Guide
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