Medical Care

All of the available options give you access to high-quality, comprehensive care. They differ largely in the way the cost of care is structured and in the strategies you can use to control your expenses:

  • PPO/POS Plans: these plans let you choose care inside or outside of the network you selected, but you will incur a higher out-of-pocket cost for services. 
  • HMO Plans: these plans offer a comprehensive, convenient approach, but require that you seek care within the network you selected.
  • HDHP HSA Plans: these plans are high deductible insurance plans that help protect against large claims as well as to cover preventive care at 100% (deductible is waived for preventive services). If you enroll in this plan, you are eligible to open a Health Savings Account (HSA) which can be used to help pay for qualified medical expenses. (Available to all employees) 


Employees who work in the city of San Francisco, please visit:
https://sfgov.org/olse/health-care-security-ordinance-hcso
for more information on the San Francisco Health Care Security Ordinance.

See comparison tables below for coverage details.

Contact Cigna - Group# 00651190


Contact Kaiser - Group# 9680

  • kp.org
  • 1-800-464-4000 (English)
  • 1-800-788-0616 (Spanish)

 

PLAN COMPARISON  |  AT A GLANCE


 

 


Cigna OAP 


Cigna OAP Plus


Cigna OAP HDHP


Kaiser HMO

In-Network*

In-Network*

In-Network*

In-Network Only

Annual Deductible

(Individual / Family)

$750 / $1,500

 $250 / $500

$1,600 / $3,200 

None

Out-of-Pocket Maximum

(Individual / Family)

$5,000 / $10,000

 $6,000 / $6,000

$6,000 / $6,000

$1,500 / $3,000

Office Visits
(Primary / Specialist)

$20 copay / $40 copay

$20 copay / $40 copay

10% / $10% 

$30 copay / $30 copay

Preventive Care

Covered in Full

Covered in Full

Covered in Full

Covered in Full

Outpatient Surgery

20%

20%

10%

$30 / procedure

Inpatient Hospital

20%

 20%

10%

$250 / admission

Emergency Room

(Waived if admitted)

20%

20%

10%

$100 / visit

Retail Prescriptions

(Up to 30 day supply)

30 day supply

Tier 1: $15

Tier 2: $35

Tier 3: $50

30 day supply

Tier 1: $15

Tier 2: $35

Tier 3: $50

30 day supply

Tier 1: $10

Tier 2: $30

Tier 3: $50

30 day supply

Tier 1: $10

Tier 2: $25

Tier 4: 20% up to
$150/prescription

*Out of Network benefits available

Please keep in mind that this summary describes only the highlights of the benefits plans and policies available to you. The details of these plans and policies are contained in the official plan and policy documents. If there is a question about one of these plans or policies, or a conflict between this summary and the official plan and policy documents, the official documents will govern.



Medical
Plan Name Carrier Name Effective Dates Select plan to compare
HDHP CIGNA Jan-01-2024 to Jan-01-2025
HMO Kaiser Permanente Insurance Company Jan-01-2024 to Jan-01-2025
OAP CIGNA Jan-01-2024 to Jan-01-2025
OAP Plus CIGNA Jan-01-2024 to Jan-01-2025