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2020 Medical Insurance Comparison Chart

Benefit Comparison

If you need help choosing a plan, use ALEX, your personal enrollment guide.

Plan Description High Deductible - $4,000 High Deductible - $1,750* Traditional
Medical Deductible:  Employee Only $4,000 $1,750 $1,000
Medical Deductible:  Employee/Family $8,000 $3,500* $2,000
Out of Pocket Max (Medical):  Employee Only  $6,000 $4,000 $5,000
Out of Pocket Max (Medical):  Employee/Family $12,000 $8,000* $10,000
Prescription Max:  Employee Only N/A N/A $3,100
Prescription Max:  Employee/Family N/A N/A $6,200
Preventive** 0% Co-Ins 0% Co-Ins 0% Co-Ins
Primary Care 20% Co-Ins 20% Co-Ins $25 Co-Pay
Specialist 20% Co-Ins 20% Co-Ins $50 Co-Pay
Inpatient Facility 20% Co-Ins 20% Co-Ins 30% Co-Ins
Outpatient Facility 20% Co-Ins 20% Co-Ins 30% Co-Ins
Emergency Department 20% Co-Ins 20% Co-Ins 30% Co-Ins
Urgent Care 20% Co-Ins 20% Co-Ins 30% Co-Ins
Imaging - Out Patient Facility 20% Co-Ins 20% Co-Ins 30% Co-Ins
Laboratory - Out Patient Facility 20% Co-Ins 20% Co-Ins 30% Co-Ins
Phys, Occ & Speech Therapy-Out Patient Facility 20% Co-Ins 20% Co-Ins 30% Co-Ins
Phys, Occ & Speech Therapy-Out Patient Professional 20% Co-Ins 20% Co-Ins 30% Co-Ins
Skilled Nursing Facility 20% Co-Ins 20% Co-Ins 30% Co-Ins
In-Network Retail Pharmacy
Rx Deductible:  Employee Only $0 $0 $150
Rx Deductible:  Employee/Family $0 $0 $300
Generics $15 Co-Pay $15 Co-Pay $15 Co-Pay
Preferred Brand $40 Co-Pay $40 Co-Pay $40 Co-Pay
Non-Preferred Brand $70/20%/>$70 or 20% up to $300 per Rx  $70/20%/>$70 or 20% up to $300 per Rx  $70/20%/>$70 or 20% up to $300 per Rx 
Specialty High-Cost $70/20%/>$70 or 20% up to $300 per Rx  $70/20%/>$70 or 20% up to $300 per Rx  $70/20%/>$70 or 20% up to $300 per Rx
Out-of-Network Retail Pharmacy
Rx Deductible:  Employee Only N/A N/A $150
Rx Deductible:  Employee/Family N/A N/A $300
All Brands 70% Co-Ins 30% Co-Ins 50% Co-Ins
Out-of Network Benefits
Out of Network Co-Insurance 40% after deductible 40% after deductible 50% after deductible
Out of Network Individual Deductible $5,000 $3,000 $2,000
Out of Network Family Deductible $10,000 $6,000 $4,000
Out of Network Individual Max $10,000 $5,000 $6,500
Out of Network Family Max $20,000 $10,000 $13,000

* The way the deductible and the out of pocket maximum accumulate is important if you cover anyone other than yourself.

  • With the Traditional Plan and the HDHP - $4,000, after each eligible family member meets his or her individual deductible and individual out of pocket maximum, covered expenses for that family member will be paid based on the coinsurance level specified by the plan. Or, after the family deductible has been met, covered expenses for each eligible family member will be paid based on the coinsurance level specified by the plan.
  • With the HDHP - $1750, all eligible family members contribute towards the family plan deductible and out of pocket maximum. The family deductible and the family out of pocket maximum must be met before the plan will pay each eligible family member's covered expenses based on the coinsurance level specified by the plan.

** 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.