Medical
Medical coverage offers healthcare protection for you and your family. You may visit any medical provider you choose, but in-network providers offer the highest level of benefits and lower out-of-pocket costs. Network providers charge members reduced, contracted fees instead of their typical fees. Providers outside the plan’s network set their own rates, so you may be responsible for the difference if a provider’s fees are above the Reasonable and Customary (R&C) limits.
Preventive Care – like physical exams, flu shots, and screenings – is always covered 100% when you use in-network providers. The key difference between the plans is the amount of money you’ll pay each pay period and when you need care.
Each plan has different:
- Annual deductible amounts – the amount you pay each year for eligible in-network and out-of-network charges before the plan begins to pay.
- Out-of-pocket maximums – the most you will pay each year for eligible network services and/or prescriptions. After you reach your out-of-pocket maximum, the plan picks up the full cost of covered medical care for the remainder of the year.
- Copays – A copay is a fixed amount you pay for a health care service. Copays do not count toward your deductible but do count toward your annual out-of-pocket maximum.
- Coinsurance – Once you’ve met your deductible, you and the plan share the cost of care, which is called coinsurance. For example, you pay 20% for services and the plan will pay 80% of the cost until you have reached your out-of-pocket maximum.
Cigna OAP HDHP
Plan Information
Plan Name: Cigna OAP HDHP
Policy Number: 00655806
Effective Date: 01/01/2025
Provider Network: Cigna
In-Network Benefit Highlights
Deductible (Individual/Family)
$XX/$XX
Out-of-Pocket Max (Individual/Family)
$XX/$XX
Preventive Care
$XX
Primary Care Visit
$XX
Specialist Visit
$XX
Urgent Care
$XX
Emergency Room
$XX
Benefit Highlights
In-Network
Deductible (Individual/Family)
$3,000/$6,000
Out-of-Pocket Max (Individual/Family)
$3,300/$6,400
Preventive Care
No charge
Primary Care Visit
$15 copay
Specialist Visit
$15 copay
Urgent Care
No charge after deductible
Emergency Room
$100 copay
Retail Rx (Up to 30-Day Supply)
Generic
$10 copay
Preferred Brand
$30 copay
Non-Preferred Brand
$60 copay
Specialty
30% coinsurance
Mail-Order Rx (Up to 90-Day Supply)
Generic
$30 copay
Preferred Brand
$90 copay
Non-Preferred Brand
$180 copay
Specialty
Not covered
Out-of-Network
Deductible (Individual/Family)
$5,600/$11,200
Out-of-Pocket Max (Individual/Family)
$6,000/$12,000
Preventive Care
20% coinsurance
Primary Care Visit
20% coinsurance
Specialist Visit
20% coinsurance
Urgent Care
20% coinsurance
Emergency Room
$100 copay
Retail Rx (Up to 30-Day Supply)
Generic
Not covered
Preferred Brand
Not covered
Non-Preferred Brand
Not covered
Specialty
Not covered
Mail-Order Rx (Up to 90-Day Supply)
Generic
Not covered
Preferred Brand
Not covered
Non-Preferred Brand
Not covered
Specialty
Not covered
Plan Documents
Contact Information
Cigna OAP
Plan Information
Plan Name: Cigna OAP
Policy Number: 00655806
Effective Date: 01/01/2025
Provider Network: Cigna
In-Network Benefit Highlights
Deductible (Individual/Family)
$XX/$XX
Out-of-Pocket Max (Individual/Family)
$XX/$XX
Preventive Care
$XX
Primary Care Visit
$XX
Specialist Visit
$XX
Urgent Care
$XX
Emergency Room
$XX
Benefit Highlights
In-Network
Deductible (Individual/Family)
$500/$1,500
Out-of-Pocket Max (Individual/Family)
$2,000/$6,000
Preventive Care
No charge
Primary Care Visit
$20 copay, deductible does not apply
Specialist Visit
$30, deductible does not apply
Urgent Care
$30 copay, deductible does not apply
Emergency Room
$150 copay, deductible does not apply (copay waived if admitted)
Retail Rx (Up to 30-Day Supply)
Generic
$10 copay
Preferred Brand
$3o copay
Non-Preferred Brand
$60 copay
Specialty
30% coinsurance
Mail-Order Rx (Up to 90-Day Supply)
Generic
$30 copay
Preferred Brand
$90 copay
Non-Preferred Brand
$180 copay
Specialty
Not covered
Out-of-Network
Deductible (Individual/Family)
$1,000/$3,000
Out-of-Pocket Max (Individual/Family)
$4,000/$12,000
Preventive Care
30% coinsurance
Primary Care Visit
30% after deductible
Specialist Visit
30% after deductible
Urgent Care
30% coinsurance
Emergency Room
$150 copay, deductible does not apply (copay waived if admitted)
Retail Rx (Up to 30-Day Supply)
Generic
Not covered
Preferred Brand
Not covered
Non-Preferred Brand
Not covered
Specialty
Not covered
Mail-Order Rx (Up to 90-Day Supply)
Generic
Not covered
Preferred Brand
Not covered
Non-Preferred Brand
Not covered
Specialty
Not covered
Contact Information
Kaiser HDHP
Plan Information
Plan Name: Kaiser HDHP
Policy Number: 605084
Effective Date: 01/01/2025
Provider Network: Kaiser
In-Network Benefit Highlights
Deductible (Individual/Family)
$XX/$XX
Out-of-Pocket Max (Individual/Family)
$XX/$XX
Preventive Care
$XX
Primary Care Visit
$XX
Specialist Visit
$XX
Urgent Care
$XX
Emergency Room
$XX
Benefit Highlights
In-Network Only
Deductible (Individual/Family)
$3,300/$6,600
Out-of-Pocket Max (Individual/Family)
$3,300/$6,600
Preventive Care
No charge
Primary Care Visit
No charge after deductible
Specialist Visit
No charge after deductible
Urgent Care
No charge after deductible
Emergency Room
No charge after deductible
Retail Rx (Up to 30-Day Supply)
Generic
No charge after deductible
Preferred Brand
No charge after deductible
Non-Preferred Brand
No charge after deductible
Specialty
No charge after deductible
Mail-Order Rx (Up to 100-Day Supply)
Generic
No charge after deductible
Preferred Brand
No charge after deductible
Non-Preferred Brand
No charge after deductible
Specialty
Not covered
Plan Documents
Contact Information
Kaiser HMO
Plan Information
Plan Name: Kaiser HMO
Policy Number: 605084
Effective Date: 01/01/2025
Provider Network: Kaiser
In-Network Benefit Highlights
Deductible (Individual/Family)
$XX/$XX
Out-of-Pocket Max (Individual/Family)
$XX/$XX
Preventive Care
$XX
Primary Care Visit
$XX
Specialist Visit
$XX
Urgent Care
$XX
Emergency Room
$XX
Benefit Highlights
In-Network Only
Deductible (Individual/Family)
$0.00/$0.00
Out-of-Pocket Max (Individual/Family)
$3,000/$6,000
Preventive Care
No charge
Primary Care Visit
$30 copay
Specialist Visit
$30 copay
Urgent Care
$30 copay
Emergency Room
$150 copay
Retail Rx (Up to 30-Day Supply)
Generic
$10 copay
Preferred Brand
$35 copay
Non-Preferred Brand
$35 copay
Specialty
20% coinsurance, up to $150
Mail-Order Rx (Up to 100-Day Supply)
Generic
$20 copay
Preferred Brand
$70 copay
Non-Preferred Brand
$70 copay
Specialty
Not covered