Rag & Bone - 2023 Benefit Guide

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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