2026
Benefits Info

Medical

Effective Plan Dates: Jan 1, 2026 — Dec 31, 2026

Your Medical Plan

The Company offers one medical plan option – the Open Access Plus (OAP) plan provided by Cigna. This medical plan:

  • Gives you control when it comes to choosing and using health care services.
  • Covers a broad range of medical services and prescription drugs.
  • Provides you the choice to use in-network or out-of-network providers, although you will save money when staying in-network.
  • Has low co-pays for primary care and specialist physician visits.
  • Has an annual out-of-pocket maximum to protect you from high, unexpected health care costs in any single year; if you meet the maximum, the plan will pay 100 percent of eligible expenses.
  • Includes prescription drug coverage through Express Scripts.
  • Remember, there are many preventive services that are covered at 100 percent where you will have no out-of-pocket costs.

New Cards

Cards are no longer being mailed to employees. You must obtain your medical card information from the Cigna website or app.

Cigna Website and App

Enjoy a simple way to personalize, organize and access your important plan information. 

  • Register on myCigna.com.
  • Download the app from Google Play and the Apple Store.
  • Once logged in, you can log in anytime to:
    • Manage and track claims
    • View ID card information
    • Find in-network doctors and compare costs and quality information
    • Review your coverage
    • Track your account balances and deductibles

Medical Plan Overview

OAP (Open Access Plus) In-Network Providers Out-of-Network Providers
Annual Deductible $1,700 Individual
$5,000 Family*		 $3,400 Individual
$8,000 Family
Annual Out-of-Pocket Maximum
(includes annual deductible, medical copays and coinsurance; includes Rx copays)		 $5,000 Individual
$10,000 Family*		 $7,500 Individual
$15,000 Family
Copays (does not apply towards annual deductible) $5 Telehealth Visit
$25 Primary Care Physician
$60 Specialist		 Not Covered
Plan pays 50%*
Plan pays 50%*
Physician Office Visit

Primary Care Physician (PCP)

 Plan pays 100% after $25 co-pay Plan pays 50%*

Specialists

 Plan pays 100% after $60 co-pay Plan pays 50%*

Immunizations

 Plan pays 100% Plan pays 50%*

Routine Preventive Care at PCP**

 Plan pays 100%, no co-pay Plan pays 50%*

Pap Test and Mammogram

 Plan pays 100%, no co-pay Plan pays 50%*

Prostate Screenings

 Plan pays 100%, no co-pay Plan pays 50%*

Hearing Aids
(one per ear every 36 months)

 Plan pays 65%* Plan pays 50%*

Allergy Injections

 Plan pays 100% Plan pays 50%*

Maternity

 Plan pays 100% after $50 copay for initial visit; thereafter, plan pays Plan pays 50%*
Lab & X-ray Plan pays 100% after the office co-pay Plan pays 50%*

Physician’s Office

 Plan pays 80%* Plan pays 50%*

Outpatient Hospital Facility

 Plan pays 80%* Plan pays 50%*

Advanced Radiological Imaging

 Plan pays 80%* Plan pays 50%*

MRI, MRS, CAT Scan, PET Scan, etc.

 Plan pays 80%* Plan pays 50%*

Hospital Inpatient

 Plan pays 80%* Plan pays 50%*

Outpatient Surgical Facility

 Plan pays 80%* Plan pays 50%*
Surgery Plan pays 80%* Plan pays 50%*

Surgeon’s Fees

 Plan pays 80%* Plan pays 50%*

In a Primary Care Physician’s Office

 Plan pays 100% after $60 co-pay Plan pays 50%*

In a Specialist’s Office

 $60 co-pay
(co-pay waived if admitted)		 Plan pays 50%*

Emergency Room (including ER lab and x-ray)

 $250 co-pay*
(co-pay waived if admitted)		 $250 co-pay*
(co-pay waived if admitted)

Urgent Care Facility

 $50 co-pay $50 co-pay
  • * Plan pays specified amount including 100% only AFTER annual deductible requirements have been met.
  • **Routine physical examinations and related diagnostic services and screenings are covered for members as recommended with an A or B rating by the United States Preventive Services Task Force (USPSTF).
  • Some services require pre-certification procedures.
  • Individual coverage = Employee only coverage, Family coverage = Employees with spouse and/or children
  • Co-pay may apply if the provider charges for a separate office visit.

Cigna Total Behavioral Health

Finding mental health support can sometimes feel difficult. With Cigna Total Behavioral Health, you have access to digital resources, aid with stress and anxiety, therapy, coaching, and care for more complex behavioral needs. There are many convenient options to address your unique mental
health needs – including face-to-face, phone and video appointments, as well as virtual providers that use secure messaging. Some key features of this benefit include:

  • Unlimited real-time support. Get immediate care and support, 24/7/365. Licensed clinicians provide consultations in the moment to help you with a care plan or talk about what you’re going through.
  • 100% follow-up. After you’ve engaged with the behavioral health team, they’ll check in with you to make sure your needs are being met. If you need additional support, they can help with that too.
  • A special navigator to help and guide you. This is your single point of contact for whatever needs or concerns you have throughout your path
    to care.
  • Help finding the right therapist. Our provider matching considers factors like your age, your reason for seeking treatment, the type of treatment you’re looking for, your preference for virtual vs. in-person care delivery options, and more.

How to Access this Benefit

  • Go to myCigna.com
  • Click the Wellness tab
  • Select Mental Health Support.
  • You can chat with Cigna from 9am – 8pm ET, or call the toll-free number on your ID card 24/7.

Behavioral Health Overview

OAP (Open Access Plus) In-Network Providers Out-of-Network Providers
Mental Health
Mental Health Inpatient Plan pays 80%* Plan pays 50%*
Mental Health Outpatient
(Includes Individual, Group and Intensive Outpatient)		 Plan pays 80%* Plan pays 50%*
Physician’s Office Visit Plan pays 100%
after $25 co-pay		 Plan pays 50%*
Outpatient Facility Plan pays 80%* Plan pays 50%*
Substance Abuse
Substance Abuse Inpatient Plan pays 80%* Plan pays 50%*
Substance Abuse Outpatient
(Includes Individual, Group and Intensive Outpatient)		 Plan pays 80%* Plan pays 50%*
Physician’s Office Visit Plan pays 100%
after $25 co-pay		 Plan pays 50%*
Outpatient Facility Plan pays 80%* Plan pays 50%*
  • ** Plan pays specified co-insurance amount only after annual deductible requirements have been met.
  • ** Routine physical examinations and related diagnostic services and screenings are covered for members as recommended with an A or B rating by the United States Preventive Services Task Force (USPSTF).
  • Co-pay may apply if the provider charges for a separate office visit.

Paying for Your Coverage

Cigna Care Management for Inpatient and Outpatient Services

What is precertification?
With precertification, you know in advance whether a procedure, treatment or service will be covered under your health care plan. It helps make sure that you get the right care in the right setting. It may save you from costly and unnecessary services.

What services need to be precertified?
Your doctor will help you decide which procedures require a hospital stay and which can be handled on an outpatient basis. Inpatient services require you to stay overnight in a hospital or related facility. Outpatient services don‘t require an overnight stay.

Here are some examples of services requiring precertification.**

Inpatient Services Outpatient Services
All inpatient admissions and non-obstetric observation stays such as:
  • Acute hospitals – skilled nursing facilities, rehabilitation facilities, long-term acute care facilities, hospice care, transfers between inpatient facilities
  • Experimental and investigational procedures
  • Cosmetic procedures
  • Maternity stays longer than 48 hours (vaginal delivery) or 96 hours (cesarean section)
 Certain outpatient surgical procedures such as:
  • High-tech radiology (MRI, CAT scans, PET scans, nuclear cardiology)
  • Injectable drugs (other than self- injectables)
  • Durable medical equipment (insulin pumps, specialty wheelchairs, etc.)
  • Home health care/home infusion therapy
  • Dialysis (to direct to a participating facility)
  • External prosthetic appliances
  • Speech therapy
  • Cosmetic reconstructive procedures
  • Infertility treatment
  • Sleep management
  • Transplants
  • Radiation therapy
  • Musculoskeletal services (major joint surgery and pain management services)

Medical Plan Documents

2026 Open Access Plus Plan Benefit Summary
2026 Summary Benefits and Coverage
How to Access your Digital ID Cards
Cigna's Customer Well Being Services and Programs Brochure
Cigna Healthcare Find Help Flyer
Cigna Medical Urgent Care vs Emergency Room
Preventive Care Reference Guide
Cigna Total Behavioral Health Flyer
Cigna Healthy Babies Program and Incentive Reward
Healthy Babies Give your Baby a Healthy Start Customer Flyer
Cigna Womens Health Menopause Customer Flyer
Cigna Healthcare Breast Cancer Flyer
Women's Health Flyer Placemat

Preferred Provider Organizations (PPO)

Preventative Care

Primary Care / Urgent Care / ER

Benefits Key Terms Explained

Cigna Case Management

Health challenges can be stressful. But with Cigna case management programs, you don’t have to face them alone. You can count on your Personal Nurse Advocate* for one-on-one support so you can worry less about your care and more on feeling better.

Personal Nurse Advocates are registered nurses who act as your one-on-one case manager to provide support for your health journey. They will work with your medical team to help you with your care plan, coordinate services and find ways to save you money on your health costs.

Cigna Case Management Flyer
Key Features:
  • Conversations are private and never shared with your employer or anyone else.
  • Personal Nurse Advocates do not provide medical advice, but rather help to support you at each step of your journey towards whole personal health.
  • This benefit is included with medical plan coverage, and is offered at no additional cost to you
*These Nurse Advocates hold current nursing licensure in at least one state, but are not practicing nursing/providing medical care or medical advice in any capacity as a health advocate.

Cigna Lifestyle Management

Whether your goal is to lose weight, quit tobacco or lower your stress levels, you have the power to make it happen. Cigna Lifestyle Management Programs can help at no additional cost to you. Each program is easy to use and available where and when you need it. 

You can use each program online, over the phone or both.

  • One-on-one coaching
  • Convenient evening and weekend hours
  • Assists with weight management, tobacco cessation and stress management.

Take the first step by visiting myCigna.com.

prevEligibility
Prescriptionsnext