Page 6 - 2022 Clari Open Enrollment Benefits Guide
P. 6
Medical
You have the choice of several medical plans. Be sure to review the plan summaries for more details about your specific plan
options.
Your Medical Plans
Kaiser Permanente Cigna Cigna
Health Maintenance Organization Preferred Provider Organization High Deductible Health Plan
The Kaiser Permanente HMO offers The Cigna PPO plans offer a large network The Cigna HDHP offers free in-network
comprehensive coverage within the of participating providers so you have a preventive care and an out-of-pocket limit
Kaiser Permanente network in Northern range of doctors and hospitals to choose that protects you from major medical bills.
California, Southern California and Oregon from. With these plans, it is recommended You pay a deductible before coverage
with predictable costs and copayments, that you choose a primary care provider begins. The HDHP is paired with a tax-
such as for physician office visits. Your (PCP) to serve as your personal health advantaged Health Savings Account
primary care physician coordinates your advocate and to coordinate your health (HSA) which allows you to set aside
care and must authorize most services. care. If you choose to get care outside pre-tax dollars to pay for eligible health
You must only seek care within the Kaiser of the network (such as a physician, care expenses and offset the higher
Permanente network. With an HMO there hospital, clinic or pharmacy), those out- deductible. You’ll also get an annual
is no coverage for out-of-network care of-network services will be covered at a contribution to your HSA from Clari. You
except in an emergency. higher cost to you. also have the option of visiting providers
both in- and out-of-network. However,
your costs will be lower in-network.
You’ve Got Choices
4 We've Got You Covered Your Health Your Tax-Savings Accounts Your Safety Net Your Family Your Well-being Your "Me" Time Your Contacts
