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

Show flu season who’s boss

Workmates, we know proactive is your middle name. That’s why we’ve got you covered this flu season—just like always. Want to get a flu shot at your doctor’s office? Your Workday medical plan covers the cost of your flu shot 100%. Looking for another option? Use our flu shot voucher to get a free flu shot at a CVS near you.

Get your flu shot voucher

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.

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.

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.

  • Cigna Smart Plan: After you meet your deductible, you pay 20% of the cost of your prescription. Before then, you pay the full cost.
  • Cigna Core Plan: You pay a flat copay (deductible doesn't apply).

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's preferred list and 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.

Type of drug Cigna Smart Plan Cigna Core Plan
Generic Retail and
mail-order

20% after deductible
Retail
(30-day supply)
$10 copay

Mail-order
(90-day supply)
$25 copay
Preferred brand Retail and
mail-order

20% after deductible
Retail
(30-day supply)
$30 copay

Mail-order
(90-day supply)
$75 copay
Non-preferred brand Retail and
mail-order

20% after deductible
Retail
(30-day supply)
$60 copay

Mail-order
(90-day supply)
$150 copay

Need to know which prescription drugs are covered? Check the CVS Caremark formulary (aka a list of covered prescriptions). There's a separate list for specialty drugs that treat complex or chronic conditions.
 

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 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.

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. 

Learn more

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. If you are enrolled in the Cigna Smart Plan with HSA (HDHP), you do not need to satisfy your deductible for coinsurance to apply to your medication costs (which could be as low as $25 per month).

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.