We will continue to offer three plans. You will have access to one plan through Kaiser and two plans through Cigna. With the OAP plan, you do not need to choose a primary care physician (PCP). You have the option to go out-of-network for services, but you will receive a higher level of benefit coverage when you see an in-network provider. If you see an out-of-network provider, you will need to file a claim for reimbursement for the services rendered. You also have the option to choose the Kaiser HMO or the Cigna HMO plan. With Kaiser, you do not need to choose a PCP; however, you must receive all of your medical care from Kaiser providers and facilities. With the Cigna HMO, you will have to select a PCP who will manage your care and provide any necessary referrals to specialists.
Under the Kaiser HMO, you do not need to choose a PCP; however, you must receive all of your medical care from Kaiser providers and facilities.
The Cigna HMO requires you to select a PCP who will manage all of your care and provide any necessary referrals to specialists.
The Cigna OAP plan is a traditional health plan with deductibles, coinsurance and copays. Below is a summary of the in-network benefits. Out-of-network benefits are available, however, benefits are reduced.
| Coverage Level | Kaiser HMO | Cigna HMO | Cigna OAP |
|---|---|---|---|
| Employee Only | $28.00 | $28.00 | $218.00 |
| Employee + Spouse | $157.50 | $157.50 | $635.00 |
| Employee + Child(ren) | $143.50 | $143.50 | $498.50 |
| Employee + Family | $258.50 | $258.50 | $879.00 |
The information contained in this website should in no way be construed as a promise or guarantee of employment. The company reserves the right to modify, amend, suspend, or terminate any plan at any time for any reason. If there is a conflict between the information in this website and the actual plan documents or policies, the documents or policies will always govern. Complete details about the benefits can be obtained by reviewing current plan descriptions, contracts, certificates, policies and plan documents available from your Human Resources Office.