Cigna Medical
HBC offers three different medical plan options through Cigna. All of the available options give you access to Cigna's Open Access Plus (OAP) network and offer high-quality, comprehensive care. The Open Access Plus network is Cigna's board seamless national network. They differ in the way the cost of care is structured and in the strategies that you can use to control your expenses:
Cigna PPO
The Cigna PPO plans are traditional plans that give you the greatest flexibility, combined with lower costs when you choose a provider within Cigna’s broad national network. Choosing health professionals who participate in Cigna's Open Access Plus network will help keep your costs lower and eliminate paperwork.
Cigna CDHP
The consumer driven health plans (CDHP) offers an all-in-one approach to healthcare, these plans use high deductibles coupled with tax-advantaged Health Savings Accounts (HSA) and lower premiums to help you better control your healthcare spending.
Cigna Choice Plus
Offers both In-Network and Out-of-Network benefits, allowing you additional coverage if you elect to see a provider outside of Cigna's Open Access Plus network. The CHDP Choice Plan provides you in-network only coverage with Cigna's largest nationwide network.
Networks
You can always reference what Cigna network you're using by checking your ID card or looking on www.mycigna.com. The correct network for those who reside in California is Select Plus and the network for those who reside outside of California is Choice Plus.
PLAN COMPARISON | AT A GLANCE
The HBC Cigna medical plans provide access to MDLIVE through the Cigna Telehealth Connection program. MDLIVE offers a comprehensive suite of virtual care options through secure virtual connections. It is a convenient way to seek care when you can't leave your home or office, are traveling, or your current Provider is unavailable.
Through MDLIVE for Cigna, Members Have Access to:
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Urgent Care (pink eye, sore throat, fever, ear infections)
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Primary Care (wellness screenings and routine care with chronic condition management)
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Specialty Care (dermatology)
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Behavioral Care (therapy and psychiatry)
Cigna Telehealth Connection is only available to all Associates who are enrolled in one of HBC's Medical Plans, and all enrolled dependents.
Enroll Online or by Phone
MDLIVEforCigna.com
1-888-726-3171
When the time comes to start considering Medicare, the options can be overwhelming. Should you continue HBC coverage or consider full Medicare benefits even if you choose to work? Cigna's Medicare Concierge Services can help eligible Associates navigate the health plans best for them - at no cost to you.
Medicare Options
- Medicare doesn't have to be confusing.
- Be informed about the many Medicare options that are available.
- Licensed Benefit Advisors can provide specific details on Medicare Advantage plans, Medicare Part D, drug plans and Medicare Part D, drug plans and Medicare Supplement plans (Medigap) so you can make a well-informed decision.
Cigna Resources
- Care Outside of the U.S. - When traveling outside of the country, on business or pleasure, no one wants to think about a medical emergency. But when it happens, Cigna has you covered.
- Health Disparities - Find information and resources to reduce health differences that are closely linked with social or economic disadvantage in patients.
- The Body and Mind Connection - Screening tools, reimbursement, and patient resources for the valuable time you spend with your patients talking about emotional health.
- Virtual Visits - Telemedicine service provides the 24/7 convenience of seeking non-urgent medical care from your home or office without an appointment.
- Virtual visits can be done through a computer via cigna.com or a mobile device with Cigna mobile app. Learn More.
- Preventive Care - What is preventative care and what services are covered?
- Omada Health: a digital lifestyle change program designed to help you and your dependents lose weight, gain energy and reduce the risk of type 2 diabetes and heart disease. Learn more at: www.Omadahealth.com/HBC
- Your Health First: Cigna's chronic condition coaching program for members with the chronic conditions: asthma, heart disease, diabetes, lower back pain, COPD, osteoarthritis, anxiety, depression, bipolar disorder.
Care Management
Cigna offers care management programs to help you and your dependents get healthy and live well. If you are going through a complex health condition, Cigna may reach out to you in order to provide one-on-one support such as helping lower your out-of-pocket expenses, prepare for medical appointments, and assist with understanding healthcare bills. You may also reach out to Cigna to enroll in a qualifying care management program. Learn more.
Behavioral Health
Cigna offers comprehensive behavioral health programs through dedicated support for you and your covered dependents. You can receive unlimited in-the-moment consultations, guided navigation to help you find in-person and virtual care options and 100% follow up after your initial behavioral consultations to ensure you received the care you need. Learn more.
Virtual Care: Access a licensed psychiatrist or counselor by phone or video through our virtual behavioral network through myCigna.com. Cigna contracts with Talkspace, Headspace Care (formally known as Ginger); Monument, Brightside and many more. List of Behavioral Virtual Providers.
Care Management: Our Behavioral Specialty coaches can provide dedicated support for broad range of conditions, which includes: Autism Spectrum | Eating Disorders | Intensive Behavioral Case Management | Opioid and Pain Management | Substance Abuse.
Behavioral Health Seminars: Monthly seminars available to the public, these resources are available to all HBC Associates and their families.
Deductible - The amount you must pay for medical services, before the plan pays a benefit. Preventative care is always covered at 100% with no deductible required.
Coinsurance - This is the percentage of the cost you pay for certain services after the deductible has been met. You can think of this as “cost sharing”. For example, once your deductible has been met you could pay 20% for the cost of certain services and the plan could pay 80%.
Copay - The flat fee paid by the member when a medical service is received, i.e. $20 for a doctor's visit or $20 for a prescription.
In Network Provider - An in-network provider is a hospital, doctor, medical group, and/or other healthcare provider contracted to provide services to insurance company customers for a discounted fee.
Using these providers will lessen your medical expenses when using your benefits.
Out of Network Provider - An out of network provider is a hospital, doctor, medical group, or other healthcare provider who are not contracted to provide services to insurance company customers. Because the fees are not negotiated in advance with the insurance company, the provider can charge the member as much as they wish.
Out of Pocket Maximum - The maximum amount a member would have to pay out of their pocket for medical expenses for the year, with the exception of benefit premiums (which come out of your paycheck). Your out-of-pocket maximum includes your deductible, any coinsurance paid and all co-payments (medical and prescription drug).
Coinsurance - This is the percentage of the cost you pay for certain services after the deductible has been met. You can think of this as “cost sharing”. For example, once your deductible has been met you could pay 20% for the cost of certain services and the plan could pay 80%.
Copay - The flat fee paid by the member when a medical service is received, i.e. $20 for a doctor's visit or $20 for a prescription.
In Network Provider - An in-network provider is a hospital, doctor, medical group, and/or other healthcare provider contracted to provide services to insurance company customers for a discounted fee.
Using these providers will lessen your medical expenses when using your benefits.
Out of Network Provider - An out of network provider is a hospital, doctor, medical group, or other healthcare provider who are not contracted to provide services to insurance company customers. Because the fees are not negotiated in advance with the insurance company, the provider can charge the member as much as they wish.
Out of Pocket Maximum - The maximum amount a member would have to pay out of their pocket for medical expenses for the year, with the exception of benefit premiums (which come out of your paycheck). Your out-of-pocket maximum includes your deductible, any coinsurance paid and all co-payments (medical and prescription drug).
Wellness incentive employer contributions will be made to your Flexible Spending Account (FSA) if you are enrolled in the Cigna PPO medical plan or into your Healthcare Savings Account (HSA) if you are enrolled in either the Choice Plus CDHP or Choice CDHP medical plans.
To be eligible for the full wellness incentive, you must complete:
1. Health Risk Assessment: Become aware of ways to enhance your personal health and well-being through the completion of your confidential Health Risk Assessment (HRA);
2. Physician Engagement: Engage with your personal physician through an annual wellness visit
Visit the Wellness Incentive page to learn more!
This is a list of the most commonly prescribed medications covered on the National Preferred 3 Tier Prescription Drug List as of January 1, 2024. Medications are listed by the condition they treat, then listed alphabetically within tiers (or cost-share levels). The drug list is updated often so it isn’t a complete list of the medications your plan covers. Also, your specific plan may not cover all of these medications. Log in to the myCigna App or myCigna.com, or check your plan materials, to see all of the medications your plan covers.
For members on one of the CDHP plans, the medications on the preventive drug list are covered at 100% or no cost-share ($0) to you and your covered dependents .
View the drug list online
From the myCigna App or myCigna.com, click on the Find Care & Costs tab. Then select Price a Medication, and type in your medication name.
Cigna.com/druglist Select National Preferred 3 Tier from the dropdown menu. Then type in your medication name or view the full list.
Questions?
Online: visit myCigna.com - Click to Chat - Monday - Friday, 9:00 am - 8:00 pm EST.
By phone: Call the toll-free number on your Cigna ID card. We’re here 24/7/365. myCigna®1 App or myCigna.com.
myCigna.com
Get the most out of your health plan by activating your account on myCigna.com. The secure member portal provides 24/7/365 live support and access to all details of your plan and more:
- Find in-network doctors, care, and cost estimates
- Access verified patient reviews from other Cigna members
- Connect with virtual care (telehealth) providers, 24/7
- Print or view your Cigna ID card
- Manage prescriptions or find a pharmacy
myCigna.com App
Download the myCigna app for instance access to your healthcare data. To download the app:
1. Launch the myCigna App or go to myCigna.com and select “Register Now”
2. Enter your personal information
3. Confirm your identity
4. Create your security information and provide your primary email address for enhanced security protection and notifications
5. Review, then select “Submit”
myCigna.com Mobile app overview
Cigna
1-800-244-6224
www.mycigna.com