Medical

We’re proud to offer you the following medical plan choices, designed to help you and your family get the care you need at an affordable price. Be sure to download the mobile apps for access on-the-go.

Cigna PPO Plan

The Preferred Provider Organization (PPO) plan offers the flexibility to choose an in-network or out-of-network provider each time you need care. Keep in mind, you will save money when you visit in-network providers. Find an in-network provider at www.mycigna.com.

Cigna HDHP Plan

The HDHP Plan offers health coverage with the ability to choose to visit in-network or out-of-network providers. You must satisfy a higher deductible before the carrier will begin paying toward your medical services. However, you may be eligible to enroll in a Health Savings Account (HSA) which allows you to pay for certain medical expenses with tax-free money. Find an in-network provider at www.mycigna.com.

Kaiser HMO Plans – California and Colorado Only

The Kaiser HMO plans are only available to associates in California and Colorado. These plans provide coverage through in-network doctors from which you will select a primary care physician (PCP) who refers you to specialists if you need them. You are responsible for copays when you receive services.

Coverage for out-of-network providers is not available with this plan. If you seek treatment from an out-of-network provider, you will be responsible for the full cost of treatment. Find an in-network provider at www.kp.org.

Plan Details

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.

Benefit Cigna PPO Plan Cigna HDHP Plan Kaiser HMO
Annual deductible to satisfy Yes Yes No
Coinsurance for services Yes Yes No
Copay for services Yes Yes Yes
Eligible to enroll in a Health Savings Account (HSA) No Yes No
Eligible to enroll in the Health Care FSA Yes No Yes
Eligible to enroll in the Dependent Care FSA Yes Yes Yes
In-network coverage Yes Yes Yes
Out-of-network coverage Yes Yes No
Primary Care Physician required No No Yes
Referrals for specialists required No No Yes
Company HSA contributions No Yes No

Cigna Medical Plan Comparison

Plan Features Cigna PPO Cigna HDHP
In-Network Out-of-Network In-Network Out-of-Network
Annual Deductible
Individual/Family
$500 / $1,500 $500 / $1,500 $1,400 / $2,800 $1,400 / $2,800
Annual Out-of-Pocket Maximum
Individual/Family
$3,500 / $7,000 $7,000 / $14,000 $2,500 / $5,000 $5,000 / $10,000
Alteryx Monthly HSA Contribution
Individual/Family
N/A $83.33 / $125.00
  You pay: You pay:
Preventive Care Visit Covered in full Not covered Covered in full 30% after deductible
Telemedicine Visit $20 copay Not covered 10% after deductible Not covered
Primary Care Visit $20 copay 40% after deductible 10% after deductible 30% after deductible
Specialist Visit $20 copay 40% after deductible 10% after deductible 30% after deductible
Lab & X-ray No Charge 40% after deductible 10% after deductible 30% after deductible
Urgent Care $20 copay 40% after deductible 10% after deductible 30% after deductible
Emergency Room
(copay waived if admitted)
$150 copay 10% after deductible
Inpatient/Outpatient Hospital Services 20% after deductible 40% after deductible 10% after deductible 30% after deductible
Outpatient Mental Health Services $20 copay 40% after deductible 10% after deductible 30% after deductible
Chiropractic, Acupuncture & Wellness Massage
(12 visits per year)
20% after deductible 40% after deductible 10% after deductible 30% after deductible
Prescription Drug – Retail
(30-day supply)
Generic $10 copay 40% after deductible $10 copay after deductible 30% after deductible
Preferred Brand $30 copay $30 copay after deductible
Non-Preferred Brand $50 copay $50 copay after deductible
Prescription Drug – Retail and Home Delivery (90-day supply)
Generic $30 copay Not covered $30 copay after deductible Not covered
Preferred Brand $90 copay $90 copay after deductible
Non-Preferred Brand $150 copay $150 copay after deductible

Kaiser Permanente HMO Plan – Southern California

Plan Features Kaiser Permanente HMO – Southern California
In-Network Only
Annual Deductible
Individual/Family
None
Annual Out-of-Pocket Maximum
Individual/Family
$1,500 / $3,000
  You pay:
Preventive Care Visit Covered in full
Primary Care Visit $20 copay
Specialist Visit $20 copay
Diagnostic Lab & X-ray Covered in full
Urgent Care $20 copay
Emergency Room
(copay waived if admitted)
$50 copay
Inpatient Hospital Services $250 per admission
Outpatient Hospital Services $20 per procedure
Outpatient Mental Health Services Individual: $20 copay Group: $10 copay
Chiropractic & Acupuncture 
(combined total of 20 visits per year for both Chiro and Acupuncture)
$20 copay
Prescription Drug – Up to 100-day supply
Generic $10 copay
Brand-Name $20 copay
Specialty (30-day supply) $20 copay

Kaiser Permanente HMO Plan – Northern California

Plan Features Kaiser Permanente HMO – Northern California
In-Network Only
Annual Deductible
Individual/Family
None
Annual Out-of-Pocket Maximum
Individual/Family
$1,500 / $3,000
  You pay:
Preventive Care Visit Covered in full
Primary Care Visit $20 copay
Specialist Visit $20 copay
Diagnostic Lab & X-ray Covered in full
Urgent Care $20 copay
Emergency Room
(copay waived if admitted)
$50 copay
Inpatient Hospital Services $250 per admission
Outpatient Hospital Services $20 per procedure
Outpatient Mental Health Services Individual: $20 copay Group: $10 copay
Chiropractic & Acupuncture 
(combined total of 20 visits per year for both Chiro and Acupuncture)
$20 copay
Prescription Drug – Up to 100-day supply
Generic $10 copay
Brand-Name $20 copay
Specialty (30-day supply) $20 copay

Kaiser Permanente HMO Plan – Colorado

Plan Features Kaiser Permanente HMO – Colorado
In-Network Only
Annual Deductible
Individual/Family
None
Annual Out-of-Pocket Maximum
Individual/Family
$2,000 / $4,000
  You pay:
Preventive Care Visit Covered in full
Primary Care Visit $20 copay
Specialist Visit $20 copay
Diagnostic Lab & X-ray Covered in full
Urgent Care $30 copay
Emergency Room
(copay waived if admitted)
$250 copay
Inpatient Hospital Services $500 per admission
Outpatient Hospital Services $100 per procedure
Outpatient Mental Health Services $20 copay
Chiropractic & Acupuncture 
(combined total of 20 visits per year for both Chiro and Acupuncture)
$20 copay
Prescription Drug – Retail (Up to 30-day supply)
Generic $15 copay
Brand-Name $30 copay
Prescription Drug – Mail Order (Up to 90-day supply)
Generic $30 copay
Brand-Name $60 copay

See the benefit summaries for detailed information.