What you need to know
Want access to a great network of doctors? You can’t go wrong with either of the Cigna medical plans. Check out the highlights below to find the plan that makes the most sense for you. And BTW, you can always see an out-of-network provider—but going rogue doesn’t come cheap.
Wanna get smart?
Set aside pretax dollars in a Health Savings Account (HSA). Get free money from Workday. Feel secure in knowing you and your family are covered. What more could you want from a medical plan? Learn how a plan with an HSA works.
Cigna Smart Plan With HSA
- Your per-paycheck contributions are the lowest of the Cigna plans.
- You can go to any provider you like; however, you will benefit from negotiated rates and higher benefit levels when you use Cigna Open Access Plus (OAP) network providers.
- Note: Workmates in Utah use PPO network providers.
- For in-network preventive care services, the plan pays 100% (no copay or deductible).
- For in-network doctor visits or services: The plan pays 80% after you meet the $2,000 employee only / $4,000 employee + dependent(s) deductible.
- Out-of-network services: The plan pays 50% after you meet the $6,600 employee only / $13,200 employee + dependent(s) deductible.
Bonus! There’s a reason they call this the Smart Plan. When you enroll in it, you’re eligible for a Health Savings Account (HSA), and that lets you set aside pretax dollars to pay for eligible medical expenses. Can you say “ka-ching”? Plus, Workday chips in, so you get free money annually, $1,000 for employee-only coverage or $2,000 if you're also covering dependents, over the course of each pay period (24 pay periods). Pretty smart, huh?
What you pay for care
Review the 2026 Medical Plan Comparison Chart to see what's covered by the plan and how much it costs.
Your first step to free money
If you enroll in the Cigna Smart Plan, you need to elect the HSA during enrollment to receive the company contributions (even if you don't want to contribute to your account right now). Then, be sure to open your account with Fidelity.
Cigna Core Plan
- Your per-paycheck contributions are moderate.
- You can go to any provider you like; however, you will benefit from negotiated rates and higher benefit levels when you use Cigna Open Access Plus (OAP) network providers.
- Note: Workmates in Utah use PPO network providers.
- For in-network preventive care services, the plan pays 100% (no copay or deductible).
- For in-network doctor visits, you pay a copay—$20 primary care visits, $30 specialist visits.
- In-network services: The plan pays 80% after you meet the $750 individual / $750 individual in family / $1,500 entire family deductible.
- Out-of-network services: The plan pays 60% after you meet the $2,400 individual / $2,400 individual in family / $4,800 entire family deductible.
What you pay for care
Review the 2026 Medical Plan Comparison Chart to see what's covered by the plan and how much it costs.
CVS Caremark prescription drug coverage
With both Cigna medical plans, you have prescription drugs covered through CVS Caremark. The two plans cover prescription drugs differently. Review the 2026 Medical Plan Comparison Chart for details.
The other factor that determines your out-of-pocket cost is—surprise!—the type of drug you need. CVS Caremark divides drugs into three tiers.
- Generic drugs have all of the same science behind them as other prescriptions plus approval from the U.S. Food and Drug Administration. The only difference? They cost you less out of pocket.
- Preferred brand drugs are brand-name drugs covered by CVS Caremark at a higher level than other brand-name drugs.
- Non-preferred brand drugs aren't on CVS Caremark Performance Drug List and will cost you the most.
To fill a 30-day supply of your prescription, visit any retail pharmacy in the CVS Caremark network. That includes all of the big dogs like CVS, Walgreens, and Rite Aid. For prescriptions you take regularly, order a 90-day supply from the CVS Caremark Mail Service Pharmacy and save money.
Need to know which prescription drugs are covered?
Check the Performance Drug List (aka a list of covered prescriptions). There's a separate list for specialty drugs that treat complex or chronic conditions.
Save with Scripta
As prescription drug costs rise nationwide, Workday is always looking for ways to help you manage the costs. We shoulder most of the cost of your prescription drugs, and our new partnership with Scripta will save you even more out-of-pocket.
Scripta is available to members of Workday’s Cigna medical plans. Scripta works behind the scenes to find you the best price for the medications you need. If you could be saving more, you'll receive a Personalized Savings Report showing all your potential prescription options and just how much you could save. Learn more about Scripta.
Meet your Benefits Buddies
When you or a family member has questions, your Benefits Buddies have answers. Cigna members can get help with all things prescription drugs and health care, including finding in-network providers, understanding benefits, investigating claims, and more!
Your one-stop health-management tool
Once you’re enrolled in a Cigna plan, be sure to register on myCigna. Here are just a few of the tasks you can handle—anytime, anywhere—through myCigna:
- Find doctors and compare cost and quality ratings
- Manage and track claims
- Track account balances and deductibles
- Access your digital ID card.
A second look never hurts
Get peace of mind from your living room with access to expert physicians through Cleveland Clinic’s Virtual Second Opinions program. After collecting and reviewing your medical records, Virtual Second Opinions matches you with a physician to discuss your care—all at no cost to you.
Premise Health
Being enrolled in a Workday Cigna medical plan comes with some great perks. Like Premise Health. You, and your qualified dependents (ages 2+) who are enrolled in your plan, can connect nationwide with a board-certified doctor via your computer or mobile device, 24/7, at no cost. Premise Health virtual care is great for non-emergency issues, or when you can't see your regular doctor.
Sky-high-quality care
As a Cigna medical plan member, you also have access to Cloud Care, our onsite health center and pharmacy in Pleasanton. Get care from our team of dedicated providers while on campus, and skip an extra stop on your way home.
FYI
Learn more about your plan by reviewing the Cigna Benefit Summaries and other plan documents. Reach out to your dedicated support team, to learn more about either Cigna plan.
It's required: Pricing information for covered items and services.
This link— www.ticmrf.com/20-2480422—leads to the machine-readable files that are made available in response to the federal Transparency in Coverage Rule and includes 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.