Page 6 - 2022 DPR Construction Benefit Guide_Administrative Employees

Medical Plan Options

Our medical plan options provide you and your eligible dependents access to preventive care and comprehensive medical
coverage for optimal health and wellbeing.

You can choose from any of the medical plan options that you are eligible for. DPR offers three medical plans, two through Cigna
and one through Kaiser (CA EEs only). Each medical plan offers:

• Comprehensive health care benefits, including prescription drug coverage
• In-network preventive care covered at 100%
• Coverage for eligible children up to age 26
• Comprehensive Mental Health Support
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 access care. The plans
have different:
• Annual deductible amount: The amount you pay each year
for eligible in-network and out-of-network
charges before the plan benefits begin 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 when you access care.

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 reduced fees while
out-of-network providers set their own rates, and you may have to
pay the difference if a provider’s fees are above the Reasonable
and Customary (R&C) limits. For Cigna members, visit myCigna.
com or the Cigna app to view the available Cigna network
providers.
Need help choosing the right plan for

your and your family’s needs?

Utilize the Cigna Easy Choice Tool and answer a series of
questions to provide a personalized medical
plan recommendation.
• Cigna Easy Choice Access Code: 2RNCRVJE

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