Medical
Cigna Medical PlansWe offer two medical plans through Cigna to provide you and your family with choice and flexibility. When exploring your choices, there are some important differences to consider—like contributions, deductibles, and out-of-pocket maximums. This section is designed to help you choose the plan that best meets your needs.
- Cigna $750 Deductible Plan
- Cigna $2,500 Deductible Plan with HRA (HEALTH REIMBURSEMENT ACCOUNT)
- Swinerton contributes to your HRA to help you save for your healthcare expenses ($750 individual / $1,500 family)
A Helping Hand
bit.ly/swinnetbenefits
Find out more about your benefits, view all required supporting documents and access useful tools to help you explore your options in more detail (Swinerton network access required).
Tango Health Decision Assist
Tango Health is an easy-to-use online tool that provides you with a side-by-side comparison of your medical plan options to help you choose the plan that best matches your needs. With Tango Decision Assist, you will receive step-by-step guidance making it easy for you to navigate through the tool.
Visit swinerton.com/benefits-decision-tree to get started.
Benefits Team
For general questions or further assistance regarding benefits, feel free to email employee_benefits@swinerton.com.
Finding a Provider
- Pre-enrollment: Visit cigna.com and click on “Find a Doctor” or call 1.888.806.5042
- Post-enrollment: Visit my.cigna.com or call 1.800.244.6224
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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). |