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Your Health
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MEDICAL PLANS

Our medical coverage provides you and your family the protection you need for
everyday health issues or when the unexpected happens.

You may select between medical plan options through Cigna and Kaiser (for those
who reside in CA or OR). Each medical plan offers:
» Comprehensive health care benefits
» In-network preventive care covered at 100%

» Coverage for eligible children up to age 26
» Prescription drug coverage

Choose the Plan That’s Right for You

The key difference between the plans is the amount of money you’ll pay each pay
period and when you need care.

The plans have 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 including prescriptions

» Copay and coinsurance – money you pay toward the cost of covered services

Save when you use in-network providers

In-network providers offer the highest level of benefits and lower out-of-pocket
costs. Network providers charge you reduced fees, but providers outside the plan’s
network set their own rates, which means you may have to pay the difference if
a provider’s fees are above the Reasonable and Customary (R&C) limits. Go to
cigna.com to find a Cigna Network provider; for Kaiser visit kp.org.

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2022 US Benefits Guide