MEDICAL COVERAGE
Sterling Estates offers the following Medical plan.
Insurance Carrier:
Cigna Medical Insurance $3,000 / 80% Coinsurance Plan
Medical Plan:
In-Network: Primary Care Visits Specialist Care Visits
$30 Copay $60 Copay $75 Copay
Urgent Care
Emergency Room Care Preventative Visit Copay
$350 Copay; then 20% Coinsurance
$0
Diagnostic Testing & Blood Work (In Office)
Deductible; then 20% Coinsurance
Advanced Imaging Plan Coinsurance Employee Deductible Family Deductible
Deductible; then 20% Coinsurance
80%
$3,000 $9,000 $4,500 $9,000
Employee Out-of-Pocket Max Family Out-of-Pocket Max
Inpatient Hospital
Deductible; then 20% Coinsurance Deductible; then 20% Coinsurance
Outpatient Hospital or Facility
Out-of-Network: Plan Coinsurance
60%
Employee Deductible Family Deductible
$4,500 $13,500 $13,500 $27,000
Employee Out-of-Pocket Max Family Out-of-Pocket Max Prescription Drugs 30-day supply Tier 1 - Typically Generic Tier 2 - Typically Preferred Brand Tier 3 - Typically Non-Preferred Brand
$15 Copay $35 Copay $60 Copay
Tier 4 - Typically Specialty
25% Coinsurance up to $250
Employee Semi-Monthly Deduction Employee Only
$90.00 $400.00 $240.00 $562.50
Employee + Spouse Employee + Child(ren)
Family
4 STERLING ESTATES 2026 BENEFITS GUIDE
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