Medical Plan Options
Cigna Choice Fund HRA + Cigna Choice Fund HSA MAA offers two medical plan options through Cigna - the Choice Fund HRA Plan and the Choice Fund HSA Plan. These plans share common features but differ in what you pay when you use the plan and the amount you pay through your paychecks. Each plan comes with an account that can be used to pay for certain health care expenses. It is important to take the time to understand how each plan works and what you can expect to pay so you can choose the plan that best meets your needs. Plan Links Click here for the Summary of Benefits and Coverage (SBC) for the Cigna Choice Fund HRA Plan. Click here for the Summary of Benefits and Coverage (SBC) for the Cigna Choice Fund HSA Plan. Both Plans Share Common Features: • Access to participating providers and hospitals in Cigna’s Open Access Plus (OAP) Network. • Flexibility to receive care in- or out-of-network. However, when you receive in-network care, your costs are lower. • Routine Preventive Care covered at 100%. • Coverage for the same types of services. • Once you meet the Deductible, coverage is shared with the plan in a Coinsurance arrangement until an Out-of-Pocket Maximum is met. • When you meet the Out-of-Pocket Maximum, the plan pays 100% for covered medical and prescription drug expenses for the remainder of the calendar year. • Cigna’s Standard 4-Tier Prescription Drug Formulary. Click here to learn more. • Cigna’s Health Programs and Resources found on pages 20 and 21. Digital ID Cards Cigna transitioned from physical ID cards to digital ID cards in 2024. This means you will not receive physical ID cards in the mail from Cigna. You and your covered dependents, if applicable, can access your digital ID cards through myCigna.com and the myCigna mobile app. Both the website and mobile app offer convenient, timely access to ID cards, as well as many other features to help you manage your health and savings.
Click here for FAQs regarding the transition to digital ID cards. Click here to learn how to access your digital ID card.
If you would like to request physical ID cards for the 2025 plan year, you can do so any time on myCigna.com or by calling Cigna at (800) 244-6224.
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