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Medical Insurance Comparison Chart

Benefit Comparison


Cigna

High Deductible Health Plan (HDHP)

Traditional Plan 

Annual Deductible

$2,600 per member, $5,200 per family.

$0

*Please see below for separate deductible for Rx

Out-of-Pocket Maximum

$3,500 per member

$7,000 per family

$3,000 per member

$6,000 per family

*Please see below for separate Rx out-of-pocket max

Preventative/Wellness Services

No Cost Share***

No Cost Share***

Office Visit

100% covered after deductible is met

Primary Care Physician (PCP): $25 co-pay/visit

Specialist: $50 co-pay/visit

Maternity Care

100% covered after deductible is met

30% coinsurance

In-Patient

100% covered after deductible is met

30% coinsurance

Emergency Care

100% covered after deductible is met

30% coinsurance

Chiropractic Care

100% covered after deductible is met

Primary Care Physician (PCP): $25 co-pay/visit

Specialist: $50 co-pay/visit

Coverage is limited to 30 visits per year

Rehabilitation Services

100% covered after deductible is met

Primary Care Physician (PCP): $25 co-pay/visit

Specialist: $50 co-pay/visit

Coverage is limited to annual max of:

30 days for Pulonary rehab and Cognitive therapy; 30 days for Physical therapy and Occupational therapy; 30 days for Speech therapy; Unlimited days for Cardiac rehab services

Outpatient Mental Health

100% covered after deductible is met

$25 per office visit

Routine Vision (Cigna Vision)

$15 visit for annual eye exam

$30 out-of-network reimbursement

Does not apply to out-of-pocket max or deductible

$15 visit for annual eye exam

$30 out-of-network reimbursement

Does not apply to out-of-pocket max

Outpatient Drug Plan

After annual deductible is met*:

$10 Generic

$30 Preferred Brand

$50 Non-preferred Brand

No charge/preventive generic prescription (retail & home delivery)

$10 Generic

$30 Preferred Brand

$50 Non-preferred Brand

Brand name drugs have an annual deductible. $150 per member/$300 per family.

Prescription drug out-of-pocket is $3,100 per member/$6,200 per family.

Out-of-Network Coverage

30% coinsurance of allowable charges after deductible is met.

50% coinsurance of allowable charges

***No charge for wellness visits as long as the doctor's office codes the visit as a preventative check-up.

The above information is not a complete list of covered and excluded services and is for informational purposes only. If there is a discrepancy between the above information and that of the official Cigna Group Contract & Summary Plan Description (SPD), the Cigna Group Contract & SPD will prevail. Please see the Cigna SPD for complete details on benefits, exclusions, and limitations.

Medical Insurance Comparison Tool

New employees can use this medical insurance comparison tool to help determine the best health plan for his/her family.

Username: richmond; Password: spiders

Questions About Benefits?

Contact Human Resources at (804) 289-URHR (8747) or email URHR@richmond.edu.