Medical Resources

Compare your medical plan options, understand your coverage, and find the resources you need to make informed decisions about your healthcare.

Compare Medical Plans

$1,500 Copay Plan

Lower deductible plan with predictable copays for office visits, urgent care, and prescriptions. Cigna Open Access Network — no referrals needed for specialists.

Plan Highlights

$1,500/$3,000 deductible (individual/family, embedded)
$30 PCP copay / $60 specialist copay
Preventive care covered at 100%
$5,000/$10,000 out-of-pocket maximum
MRI, CT scans, and labs covered at 100% in-network
Rx copays: $15 generic / $35 formulary / $50 non-formulary
MDLive virtual visits and 24/7 nurse line included

Coverage by Network Tier

Feature	In-NetworkTier 1	Out-of-NetworkTier 2
Deductible (Individual)	$1,500	$3,000
Deductible (Family)	$3,000	$6,000
OOP Max (Individual)	$5,000	$10,000
OOP Max (Family)	$10,000	$20,000
Preventive Care	100% covered, no deductible	60/40 (plan pays 60%)
PCP Office Visit	$30 copay	40% after deductible
Specialist Visit	$60 copay	N/A
Urgent Care	$50 copay	N/A
Outpatient Surgery	$500 copay	N/A
MRI / CT Scan / Labs	100% covered	N/A
Inpatient Hospital	20% after deductible	N/A
Emergency Room	$200 copay	N/A
Rx — Generic (31-day)	$15 copay	N/A
Rx — Formulary (31-day)	$35 copay	N/A
Rx — Non-Formulary (31-day)	$50 copay	N/A
Rx — Specialty	20% up to $150 max	N/A

Bi-weekly premiums: Employee $228.29, EE+Spouse $479.40, EE+Child $433.74, Family $684.85.

Key Terms to Know

Premium

The amount you pay per paycheck for benefits coverage.

Deductible

The amount you must pay out of pocket before your plan starts paying a percentage of your expenses.

Coinsurance

The percentage you pay for covered expenses after meeting your deductible. The plan pays the rest.

Copay

A fixed dollar amount you pay for services like doctor visits, instead of a deductible or coinsurance percentage.

Out-of-Pocket Maximum

The most you pay for covered expenses in a plan year. After reaching this, the plan pays 100%.

HSA (Health Savings Account)

A tax-free savings account for HDHP enrollees to pay for eligible medical expenses.

HRA (Health Reimbursement Account)

An employer-funded account that helps offset out-of-pocket costs. Funds are applied automatically when claims are processed.

Networks / Tiers

Each provider falls under a category or tier that determines how much you and the plan each pay for services.

Prescription Drug Coverage

All medical plans include prescription drug coverage. Your pharmacy benefits are managed separately from your medical benefits, with their own out-of-pocket maximums.

Important Notes

Copays do not apply to the deductible. Out-of-pocket expenses cross-accumulate across tiers.

Out-of-pocket maximums include your deductible, coinsurance, and copays. Medical and pharmacy have separate OOP limits.

In-network and out-of-network coinsurance amounts are after the calendar year deductible, except where noted.

Confirm your provider's current network tier before seeking care.

For true emergencies, ER provider fees are covered at the highest benefit level regardless of facility.