Medical

Which Medical Plan Is Right for You?

When deciding which medical plan is right for you and your family, it is important to consider the total cost of coverage. This includes what you pay in premiums and what you pay for services out of your pocket. Take a look at the table below to compare the medical plans.

Benefit PPO Plus HSA PPO HMO (CA Only)
Annual deductible to satisfy Yes Yes N/A
Coinsurance for services Yes Yes N/A
Copay for services N/A Yes Yes
Eligible to enroll in the HSA Yes N/A N/A
Eligible to enroll in the Health Care FSA N/A Yes Yes
Eligible to enroll in the Dependent Care FSA Yes Yes Yes
In-network coverage Yes Yes Yes
Out-of-network coverage Yes Yes N/A
Premiums Low High Low
Primary Care Physician (PCP) required N/A N/A Yes
Referrals for Specialists required N/A N/A Yes
Technicolor Group HSA employer and employee contributions Yes N/A N/A
Telemedicine services Yes Yes Yes

Infertility Benefits for Cigna Members

Cigna members with an infertility diagnosis will be eligible to receive additional fertility solutions up to a lifetime maximum of $25,000. Call Cigna at (800) 244-6224 for more plan details.

Balance Billing with Out-of-Network Providers

Balance billing occurs if you visit an out-of-network provider. The provider can bill you for the difference between what your health insurance chooses to reimburse and what the provider chooses to charge. To receive the highest level of coverage, always visit in-network providers.

Save $$ with Mail Order Prescriptions

Looking for ways to keep more dollars in your pocket? Mail-order pharmacy is a great way to save time and money by having your medications delivered to your door. For medications taken regularly (such as high blood pressure or diabetes medicine), Ask your doctor to provide you with a 90-day prescription.

Cigna:

  • Receive medications in the mail, through Express Scripts Pharmacy for Cigna, by signing up at my.cigna.com or call (800) 835-3784. You can also download the myCigna app from the App Store or Google Play.
  • You also have the option to pick up your 90-day supply at any local CVS or Target retail pharmacy.

Kaiser (CA Only):

  • Register at kp.org to refill prescriptions by mail or call (800) 464-4000.
  • You can also order prescription refills using the pre-printed mail-order forms located at Kaiser pharmacies.

Transparency in Coverage

The machine-readable files are made available in response to the federal Transparency in Coverage Rule and include negotiated service rates and out-of-network allowed amounts between health plans and healthcare providers. The machine-readable files are formatted to allow researchers, regulators, and application developers to more easily access and analyze data.

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