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.

Cigna

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.

LEARN MORE

Cigna Smart Plan With HSA

Cost LowDeductible highHSA yesChoose any doctor

 
  • Your per-paycheck contributions are the lowest of the Cigna plans ($0 for employee-only coverage!).
  • 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 $1,500 individual/$3,000 family deductible.
  • Out-of-network services: The plan pays 50% after you meet the $3,000 individual/$6,000 family deductible.
  • In-network prescription drugs: You pay 20% after deductible for retail (30-day supply) or mail-order (90-day supply).

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: $1,125 for employee-only coverage or $2,250 for other coverage. That’s 75% of the annual deductible! Pretty smart, huh?

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.

Open your HSA account

Cigna Core Plan

Cost MediumDeductible mediumHSA noChoose any doctor

 
  • 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 $500 individual/$1,000 family deductible.
  • Out-of-network services: The plan pays 60% after you meet the $1,000 individual/$2,000 family deductible.
  • In-network prescription drugs:
    • Retail: $10 generic/$30 preferred brand/$60 non-preferred brand (30-day supply)
    • Mail-order: $25 generic/$75 preferred brand/$150 non-preferred brand (90-day supply)
    • Formulary name (aka list of covered drugs):  Cigna Standard 3-Tier Prescription Drug List

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:

  • Order prescription refills with Cigna Home Delivery Pharmacy
  • Find doctors and compare cost and quality ratings
  • Manage and track claims
  • Track account balances and deductibles
  • Access your temporary ID card while you wait for the printed ID card to arrive. ID cards can take up to two to three weeks to be printed and mailed.

Calibrate Your Weight

Losing weight is tough business. It involves what you eat, how you sleep, your overall health…you know, all the stuff that makes you a human being. It’s easier when you use Calibrate.

Calibrate personalizes your weight loss plan by focusing on your unique metabolic health over the long term. Using one-on-one video coaching and prescription medication, Calibrate works with you on the physical and mental aspects of weight loss to regulate your appetite and digestion.

You and your dependents are eligible for Calibrate if:

  • You’re enrolled in the Cigna Smart Plan or Cigna Core Plan.
  • You’re 18+ years old.
  • You meet Calibrate’s medical requirements.

Ready to make a lifestyle change that leads to better health and nutrition for good? Sign up.

Premise Health

Being a Workmate comes with some great perks. Like Premise Health. You can connect 24/7/365 with a board-certified primary care doctor or behavioral health specialist via your computer, tablet, or smartphone. How convenient is that? It's great for non-emergency issues, or when you can't see your regular doctor.

Register by visiting Premise Health online.

FYI

Learn more about your plan by reviewing the Cigna Benefit Summaries and other plan documents.

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.