$5,000 (I) / $10,000 (F)
Annual Deductible
$6,350 (I) / $12,700 (F)
Out-of-Pocket Maximum
You pay 20% after deductible
Primary Care/Office Visit
You pay 20% after deductible
Specialist Visit
Medical Plans
MOVING TO CIGNA!
Get access to comprehensive health coverage designed to keep you and your family healthy.
Review plan options, coverage details, and how to enroll.
Review plan options, coverage details, and how to enroll.
Medical plans are moving to
CIGNA
Here's how you can get ready for the big switch.
New ID Cards
If you enroll in one of the medical plans, you will receive new Cigna ID cards before the new plan year begins. Use your old card through 12/31.
Confirm Your Information
Confirm your contact information and dependent eligibility during Open Enrollment so your new ID cards are sent to the correct address.
Find an In-Network Provider
Check that your providers are in the Cigna network and update any doctor’s offices or pharmacies with your new ID number when you receive it.
In-Network benefits shown. Please refer to your benefits summary document for out-of-network coverage detail.
This is a place where you can add some text if you need to describe something related to the plans. Set this to Display: None if you don't need it.
HSA Eligible
FSA Eligible
An HSA-Powered HDHP plan.
Network
About this plan
This high-deductible health plan is paired with the option to contribute to a Health Savings Account (HSA), offering triple tax advantages.
It comes with the lowest premiums but requires you to pay more upfront before the plan begins sharing costs. It’s ideal for those who want to save for future healthcare needs, are comfortable managing costs, and want to take advantage of HSA benefits.
HSA Eligible
FSA Eligible
$5,000 (I) / $10,000 (F)
Retail
Tier 1: $10 after deductible
Tier 2: $40 after deductible
Tier 3: $85 after deductible
Tier 4: $250 after deductible
Mail Order
Tier 1: $25 after deductible
Tier 2: $100 after deductible
Tier 3: $213 after deductible
Tier 4: $625 after deductible
HSA Eligible
FSA Eligible
$3,500 (I) / $7,000 (F)
Annual Deductible
$7,500 (I) / $15,000 (F)
Out-of-Pocket Maximum
$25 then plan pays 100%
Primary Care/Office Visit
$75 then plan pays 100%
Specialist Visit
An HSA-Powered HDHP plan.
Network
About this plan
This high-deductible health plan is paired with the option to contribute to a Health Savings Account (HSA), offering triple tax advantages.
It comes with the lowest premiums but requires you to pay more upfront before the plan begins sharing costs. It’s ideal for those who want to save for future healthcare needs, are comfortable managing costs, and want to take advantage of HSA benefits.
HSA Eligible
FSA Eligible
$3,500 (I) / $7,000 (F)
Retail
Tier 1: $10 after deductible
Tier 2: $50 after deductible
Tier 3: $80 after deductible
Tier 4: $250 after deductible
Mail Order
Tier 1: $25 after deductible
Tier 2: $125 after deductible
Tier 3: $200 after deductible
Tier 4: $625 after deductible
FSA Eligible
$2,000 (I) / $4,000 (F)
Annual Deductible
$6,500 (I) / $13,000 (F)
Out-of-Pocket Maximum
No charge
Primary Care/Office Visit
$100 copay then plan pays 100%
Specialist Visit
Higher premiums but lowest deductible.
Network
About this plan
This high-deductible health plan is paired with the option to contribute to a Health Savings Account (HSA), offering triple tax advantages.
It comes with the lowest premiums but requires you to pay more upfront before the plan begins sharing costs. It’s ideal for those who want to save for future healthcare needs, are comfortable managing costs, and want to take advantage of HSA benefits.
FSA Eligible
$2,000 (I) / $4,000 (F)
Retail
Tier 1: $0
Tier 2: $50
Tier 3: $100
Tier 4: $250
Mail Order
Tier 1: $0
Tier 2: $125
Tier 3: $250
Tier 4: $625
General Documents
Health Savings and
Flexible Spending Accounts
Use tax-advantaged accounts to save on eligible health and dependent care expenses.
Learn the differences between HSAs and FSAs and how to make the most of your contributions.
Learn the differences between HSAs and FSAs and how to make the most of your contributions.
Health Savings Account (HSA)
Triple tax savings for health expenses now and later.
Healthcare Flexible Spending Account (HCFSA)
Stretch your dollars on everyday medical expenses.
Dependent Care Flexible Spending Account (DCFSA)
Pre-tax savings for daycare, after-school care & more.
General Documents
Dental Plans
Keep your smile healthy with coverage for routine cleanings, exams, and more.
View available dental plans and what they include.
View available dental plans and what they include.
Don't skip on your dental health!
In addition to protecting your smile, dental insurance helps pay for dental care and includes regular check ups, cleanings, and x-rays. Receiving regular dental care can protect you and your family from the high cost of dental disease and surgery.
$50 (I) / $150 (F)
FSA Eligible
$50 (I) / $150 (F)
Annual Deductible
$1,000
Calendar Year Maximum
80%
Basic Services
N/A
Orthodontic Services
Don't skip on your dental health!
In addition to protecting your smile, dental insurance helps pay for dental care and includes regular check ups, cleanings, and x-rays. Receiving regular dental care can protect you and your family from the high cost of dental disease and surgery.
$50 (I) / $150(F)
FSA Eligible
$50 (I) / $150(F)
Annual Deductible
$1,500
Calendar Year Maximum
90%
Basic Services
50%
Orthodontic Services
General Documents
Vision Plan
Take care of your eyesight with vision benefits that cover exams, glasses, and contact lenses.
Find providers and review plan coverage here.
Find providers and review plan coverage here.
See Clearly with Vision Coverage.
Your vision plans are administered by Unum, leveraging the trusted EyeMed network. This ensures you have access to great providers, along with enhanced tools and support for a seamless care experience.
$10
FSA Eligible
$10
Eye Exam Copay
Lenses
$150 allowance
Frames
$150 allowance
Contacts
General Documents
Voluntary Benefits
Access a range of digital tools and resources that support your day-to-day—wherever you are. From virtual fitness classes to online learning, it’s easy to stay active and engaged.
Accident Plan
Get cash support when the unexpected hits.
Critical Illness Plan
A financial cushion during life’s biggest curveballs.
Employee Assistance Program (EAP)
24/7 Counseling and Life Assistance
.webp)
Home & Auto
Protect your home and vehicle with reliable coverage tailored to your needs.
Hospital Indemnity
Cash benefits for hospital stays and recovery.
.avif)
Legal Plan
Affordable help with life’s legal moments.
Supplemental Life
Giving your family more financial security.
Term Life
Term Life Insurance lets you buy additional coverage to protect your family in case of your passing.
General Documents
Compliance Section
Stay informed with legally required notices and important benefit documentation.
Access all compliance materials in one convenient place.
Access all compliance materials in one convenient place.
General Documents
Benefits Glossary
Stay informed with legally required notices and important benefit documentation.
Access all compliance materials in one convenient place.
Access all compliance materials in one convenient place.
Beneficiary
The person(s) you choose to receive certain benefits (like life insurance or 401(k) funds) if you pass away.
Copay (Copayment)
A flat dollar amount you pay when you receive certain healthcare services, such as a doctor visit or prescription.
Deductible
The amount you pay out of pocket for healthcare before your insurance starts to share costs.
Deductible (Embedded)
An embedded deductible means that each individual on a family plan has their own separate deductible. Once one person meets their individual deductible, the insurance starts covering their costs—even if the full family deductible hasn’t been met yet.
Deductible (Non-Embedded)
A non-embedded deductible (sometimes called aggregate) means there is only one deductible for the whole family. The insurance does not start covering costs for anyone until the entire family deductible is met.
Employee Assistance Program
A free and confidential program that provides support for personal, family, and work-related issues — such as counseling, legal or financial advice, and other life resources.
Employee Contribution
The amount you pay (usually through payroll deductions) to have coverage under an insurance plan.
Explanation of Benefits (EOB)
A statement from your insurance company showing what was paid for a healthcare service, what you may owe, and what the provider billed. An EOB is not a bill.
HSA/FSA
Tax-advantaged accounts you can use to pay for eligible healthcare expenses. HSAs are paired with high-deductible health plans and can roll over year to year.
In-Network
Healthcare providers and facilities that contract with your insurance plan — using them typically costs you less.
Out-of-Pocket Maximum
The most you’ll pay in a plan year for covered services. After you reach this limit, your plan pays 100% of covered costs.
Preventive Care
Routine care — like checkups, screenings, and vaccines — designed to help you stay healthy. Covered at 100% in-network on most plans.
Qualifying Life Event (QLE)
A life change — like marriage, birth of a child, or loss of other coverage — that allows you to update your benefits outside of the annual enrollment period.
Voluntary Benefits
Optional extras you can elect (often at a group rate), like accident insurance, legal services, identity theft protection, or pet insurance.
