Medical

Medical coverage provides healthcare protection for you and your family. You can visit any provider, but in-network doctors offer the highest level of benefits and lower out-of-pocket costs by charging reduced, contracted rates. Out-of-network providers set their own fees, so you may be responsible for charges above the Reasonable and Customary (R&C) limits. Preventive care—such as physical exams, flu shots, and screenings—is covered at 100% when you use in-network providers. The main differences between plan options are how much you pay per paycheck and what you pay when you receive 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.
Plan Documents
Plan Contacts

Cigna HDHP

Benefit Highlights
In-Network

Deductible (Individual/Family)
$2,250/$4,500 

Out-of-Pocket Max (Individual/Family)
$6,000/$12,000 

Preventive Care
$0

Primary Care Visit
20% after deductible 

Specialist Visit
20% after deductible 

Urgent Care
20% after deductible 

Emergency Room
20% after deductible 

Retail Rx (Up to 30-Day Supply)

Generic
$15 copay after deductible 

Preferred Brand
$30 copay after deductible 

Non-Preferred Brand
$50 copay after deductible

Specialty
30% after deductible

Mail-Order Rx (Up to 90-Day Supply)

Generic
$30 copay after deductible 

Preferred Brand
$60 copay after deductible 

Non-Preferred Brand
$100 copay after deductible 

Specialty
30% after deductible

Out-of-Network

Deductible (Individual/Family)
$6,500/$13,000 

Out-of-Pocket Max (Individual/Family)
$10,000/$20,000 

Preventive Care
50% after deductible

Primary Care Visit
50% after deductible

Specialist Visit
50% after deductible

Urgent Care
50% after deductible

Emergency Room
20% after deductible

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

Monthly Plan Cost

Employee Only: $152.61

Employee and Spouse/DP: $447.69

Employee and Child(ren): $366.29

Employee and Family: $650.58

Cigna PPO

Benefit Highlights
In-Network

Deductible (Individual/Family)
$500/$1,000 

Out-of-Pocket Max (Individual/Family)
$6,000/$12,000 

Preventive Care
$0

Primary Care Visit
$20 copay

Specialist Visit
$30 copay

Urgent Care
$30 copay 

Emergency Room
$150 copay + 20% coinsurance (copay waived if admitted)

Retail Rx (Up to 30-Day Supply)

Generic
$15 copay

Preferred Brand
$30 copay 

Non-Preferred Brand
$50 copay 

Specialty
30% 

Mail-Order Rx (Up to 90-Day Supply)

Generic
$30 copay 

Preferred Brand
$60 copay 

Non-Preferred Brand
$100 copay 

Specialty
30% 

Out-of-Network

Deductible (Individual/Family)
$3,000/$6,000 

Out-of-Pocket Max (Individual/Family)
$9,000/$18,000 

Preventive Care
40% after deductible

Primary Care Visit
40% after deductible

Specialist Visit
40% after deductible

Urgent Care
40% after deductible

Emergency Room
$150 copay, + 20% coinsurance (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

Monthly Plan Cost

Employee Only: $276.19

Employee and Spouse/DP: $668.35

Employee and Child(ren): $546.85

Employee and Family: $1,027.41

BCBS of AL HDHP (AL Only)

Benefit Highlights
In-Network

Deductible (Individual/Family)
$2,250/$4,500 

Out-of-Pocket Max (Individual/Family)
$6,000/$12,000 

Preventive Care
$0

Primary Care Visit
20% after deductible

Specialist Visit
20% after deductible

Urgent Care
20% after deductible

Emergency Room
20% after deductible

Retail Rx (Up to 30-Day Supply)

Generic
$15 copay after deductible

Preferred Brand
$30 copay after deductible 

Non-Preferred Brand
$50 copay after deductible 

Specialty
30% after deductible 

Mail-Order Rx (Up to 90-Day Supply)

Generic
$37.50 copay after deductible 

Preferred Brand
$75 copay after deductible 

Non-Preferred Brand
$125 copay after deductible 

Specialty
30% after deductible 

Out-of-Network

Deductible (Individual/Family)
$6,500/$13,000 

Out-of-Pocket Max (Individual/Family)
$10,000/$20,000

Preventive Care
Not covered

Primary Care Visit
50% after deductible

Specialist Visit
50% after deductible

Urgent Care
50% after deductible

Emergency Room
20% after deductible

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

Monthly Plan Cost

Employee Only: $152.61

Employee and Spouse/DP: $447.69

Employee and Child(ren): $366.29

Employee and Family: $650.58

BCBS of AL PPO (AL Only)

Benefit Highlights
In-Network

Deductible (Individual/Family)
$500/$1,000 

Out-of-Pocket Max (Individual/Family)
$6,000/$12,000 

Preventive Care
$0

Primary Care Visit
$20 copay 

Specialist Visit
$30 copay

Urgent Care
$30 copay  

Emergency Room
$150 copay 

Retail Rx (Up to 30-Day Supply)

Generic
$15 copay  

Preferred Brand
$30 copay 

Non-Preferred Brand
$50 copay 

Specialty
30% 

Mail-Order Rx (Up to 90-Day Supply)

Generic
$37.50 copay 

Preferred Brand
$75 copay 

Non-Preferred Brand
$125 copay

Specialty
30% 

Out-of-Network

Deductible (Individual/Family)
$3,000/$6,000 

Out-of-Pocket Max (Individual/Family)
$9,000/$18,000 

Preventive Care
Not covered

Primary Care Visit
40% after deductible; In Alabama: 50% after deductible

Specialist Visit
40% after deductible; In Alabama: 50% after deductible

Urgent Care
40% after deductible 

Emergency Room
$150 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

Monthly Plan Cost

Employee Only: $276.19

Employee and Spouse/DP: $668.35

Employee and Child(ren): $546.85

Employee and Family: $1,027.41

Kaiser HDHP (CA Only)

Benefit Highlights
In-Network Only

Deductible (Individual/Family)
$2,000/$4,000 

Out-of-Pocket Max (Individual/Family)
$3,600/$7,200 

Preventive Care
$0

Primary Care Visit
$30 copay after deductible

Specialist Visit
$50 copay after deductible

Urgent Care
$30 copay after deductible 

Emergency Room
$200 copay after deductible (copay waived if admitted)

Retail Rx (Up to 30-Day Supply)

Generic
$10 copay after deductible 

Preferred Brand
$30 copay after deductible 

Non-Preferred Brand
$30 copay after deductible 

Specialty
20% after deductible (not to exceed $200)

Mail-Order Rx (Up to 90-Day Supply)

Generic
$20 copay after deductible 

Preferred Brand
$60 copay after deductible 

Non-Preferred Brand
$60 copay after deductible 

Monthly Plan Cost

Employee Only: $121.96

Employee and Spouse/DP: $363.02

Employee and Child(ren): $330.02

Employee and Family: $516.55

Kaiser HMO (CA Only)

Benefit Highlights
In-Network Only

Deductible (Individual/Family)
$1,000/$2,000 

Out-of-Pocket Max (Individual/Family)
$3,000/$6,000 

Preventive Care
$0

Primary Care Visit
$20 copay

Specialist Visit
$20 copay

Urgent Care
$20 copay

Emergency Room
20% after deductible

Retail Rx (Up to 30-Day Supply)

Generic
$10 copay 

Preferred Brand
$30 copay 

Non-Preferred Brand
$30 copay 

Specialty
20% (not to exceed $150) 

Mail-Order Rx (Up to 90-Day Supply)

Generic
$20 copay 

Preferred Brand
$60 copay 

Non-Preferred Brand
$60 copay 

Monthly Plan Cost

Employee Only: $144.95

Employee and Spouse/DP: $425.19

Employee and Child(ren): $368.96

Employee and Family: $579.80

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