Medical Plans

About the Plan

The University medical insurance plans are administered by Cigna during the plan year January 1–December 31.

All three plans provide: 

  • National network of doctors and hospitals
  • No referral from the primary care physician (PCP) necessary to see a specialist
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  • Cigna Medical Plans

    High Deductible Health Plans (HDHPs)

    There are two HDHPs available to UR Employees. With both, you may participate in a Health Savings Account (HSA) or a Dependent Care Flexible Spending Account. Many preventive drugs are available at zero cost (see the Preventive Generics Drug List). 

    Plan 1. HDHP: Cigna High Deductible Health Plan - $4,000

    Plan Booklet

    Summary of Benefits & Coverage

    Plan 2. HDHP: Cigna High Deductible Health Plan - $1750

    Plan Booklet

    Summary of Benefits & Coverage

    Traditional Plans

    With the Traditional Plan, you may participate in a Health or Dependent Care Flexible Spending Account. You will receive coverage for Emergency and Urgent care services outside of Virginia. Prescriptions for mail order and retail pharmacy are filed through Cigna.

    Plan 3. Cigna Traditional Plan

    Plan Booklet

    Summary of Benefits & Coverage

    Plan 4. Cigna Vision Plan

    Cigna offers a vision plan separate from the University’s Voluntary Vision Insurance.

    Plan Booklet

    Benefits Summary

  • Eligibility

    Employee: All full-time employees have the option to enroll in the University’s health plan. Please see Eligibility Section of Plan Document for further details.

    Dependent: Employees have the option to enroll eligible family members. Please see Eligibility Section of Plan Document for further details.

  • Cost

    Costs for all plans are based on the University’s experience and are subject to annual changes. Please refer to the Medical Insurance Comparison Chart and Health Insurance Rates.

  • How to Enroll

    Enroll in your medical insurance in the Benefit Express portal at benefitexpress.richmond.edu.

    It is the responsibility of the employee to complete an enrollment application for one of the University’s health insurance plans no later than 31 calendar days after his or her employment start date. If an employee fails to comply with this requirement, the University will understand this to mean the employee is declining health insurance coverage and may not enroll until Open Enrollment unless there is an eligible life status change. 

    Please note that health insurance plans may only be changed during the Open Enrollment period. However, an employee whose eligibility status changes during the year may be eligible to make changes to his or her current coverage within 31 days of the status change. For more information, please see examples of life status changes.

    Coverage will be effective the first day of the month following employment. If employment begins on the first of the month, coverage will begin that day.

    Participation

    Please refer to the Participation Section of the Plan Document to view when health insurance will be effective.

  • Waiver of Coverage

    An employee may choose to waive his or her enrollment in the University’s health insurance plans and receive 5 vacation days or $500 taxable cash benefit. These amounts are annual benefits which will be pro-rated for any portion of a year. Waive coverage in the Benefit Express portal at benefitexpress.richmond.edu no later than 31 days after the employment start date. If an employee fails to enroll in health insurance or waive insurance within the 31 calendar days, the University will understand this to mean the employee is declining health insurance coverage and may not enroll until Open Enrollment unless there is an eligible life status change. Spouses who both work full time for the University are not eligible for the $500 or 5 vacation days. Additional information about waiving coverage is available in the Enrollment Section of the Plan Document.

  • COBRA

    For information regarding COBRA, please refer to the COBRA Section of the Plan Document.

  • HIPAA

    For information regarding HIPAA please refer to the Certificate of Coverage under a Group Medical plan section of the Plan Document.

     

  • Pharmacy Benefits
    View pharmacy benefits here.
  • Find a Provider

    Find a Provider

    You can find a health care provider on the myCigna app or at myCigna.com. Watch this video for a quick overview.

     

     

  • Additional Cigna Benefits

    Cigna benefits include assistance with medical coverage abroad, maternity care programs, smoking cessation, weight management, and more.

    myCigna Mobile App

    The myCigna App helps you personalize, organize and access your important plan information on your phone or tablet. Use the myCigna app, to log in anytime, just about anywhere to:

    • Manage and track claims
    • View, fax or email ID card information
    • Find in-network doctors and compare cost and quality information
    • Review your coverage
    • Track your account balances and deductibles
    • Order your Cigna Home Delivery Pharmacy prescriptions online and view order history
    • Compare prescription drug prices for Retail and Home Delivery pharmacies

    The app is available in English and Spanish.

  • Medicare for Active Employees Turning 65