Richmond Home

2018 Medical Insurance Comparison Chart

Benefit Comparison

Plan Description High Deductible Traditional
Medical Deductible:  Employee Only $2,700 $500
Medical Deductible:  Employee/Family $5,400 $1,000
Out of Pocket Max (Medical):  Employee Only  $3,500 $3,000
Prescription Max:  Employee Only N/A $3,100
Prescription Max:  Employee/Family N/A $6,200
Preventive 0% Co-Ins 0% Co-Ins
Primary Care 10% Co-Ins $25 Co-Pay
Specialist 10% Co-Ins $50 Co-Pay
Inpaitent Facility 10% Co-Ins 30% Co-Ins
Outpatient Facility 10% Co-Ins 30% Co-Ins
Emergency Department 10% Co-Ins 30% Co-Ins
Urgent Care 10% Co-Ins 30% Co-Ins
Imaging - Out Patient Facility 10% Co-Ins 305 Co-Ins
Laboratory - Out Patient Facility 10% Co-Ins 30% Co-Ins
Phys, Occ & Speech Theraphy-Out Patient Facility 10% Co-Ins 30% Co-Ins
Phys, Occ & Speech Therapy-Out Patient Professional 10% Co-Ins 30% Co-Ins
Skilled Nursing Facility 10% Co-Ins 30% Co-Ins
Retail Pharmacy
Rx Deductible:  Employee Only $0 $150
Rx Deductible:  Employee/Family $0 $300
Genertics $10 Co-Pay $10 Co-Pay
Preferred Brand $30 Co-Pay $30 Co-Pay
Non-Preferred Brand $50/20%/>50 or 20% up to $200 per Rx  $50/20%/>50 or 20% up to $200 per Rx
Specialty High-Cost $50/20%/>50 or 20% up to $200 per Rx  $50/20%/>50 or 20% up to $200 per Rx
Out-of Network Benefits
Out of Network Co-Insurance 30% 30%
Out of Network Individual Deductible $2,700 $1,000
Out of Network Family Deductible $5,400 $2,000
Out of Network Individual Max $5,000 $4,500
Out of Network Family Max $10,000 $9,000

***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.