MEDICAL PLANS - Find the Right Fit Administered by CIGNA – CIGNA ID CARDS GOING FULLY DIGITAL
Medical HDHP
Medical IN
Medical PPO
Lowest per-paycheck cost
Affordable per-paycheck cost
Highest per-paycheck cost
In Network Coverage ONLY
In Network Coverage ONLY
In and Out of Network Coverage
May be best for someone who
Prefers to pay the least out of their paycheck and don’t expect significant healthcare expenses Wants more control over their healthcare dollars and don’t want to pay for coverage that they do not use. Is willing to only use in-network providers with no out-of- network option
Prefers to pay more out of their paycheck and less at the time of service
Prefers to pay more out of their paycheck and less at the time of service
Is willing to use only in-network providers, with no out-of-network option
Requires flexibility to access out-of- network doctors
The big difference
You pay 100% for all services until you meet the annual deductible You pay 10% (after deductible) up to the out-of-pocket maximum when in-network
You pay set copays for most services in- network and 0% (after deductible) for others Out of network coverage has its own set of deductibles, and out of pocket maximums. Includes coverage for infertility services
You pay set copays for most services and 20% (after deductible) for others
You can contribute pre-tax dollars to a Health Savings Account (HSA)
Includes coverage for infertility services
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