Medical
Nationwide Medical PlansEach of the three nationwide medical plan options offered through Cigna utilizes the Cigna Open Access Plus (OAP) network. You can use any doctors or facilities outside of the network, but you will pay more when you receive treatment.
- 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)
- Cigna Choice Fund HSA Plan
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- Large network of providers
- No referral needed for In-Network or Out-of-Network specialists
- Swinerton contributes to your HSA to help you save for your healthcare expenses ($750 individual / $1,500 family)
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
Regional Medical Plans
If your residential ZIP code is in a service area located in California, Colorado, or Washington you have access to a Kaiser HMO Plan.
If your residential ZIP code is in a service area located in California, Colorado, or Washington you have access to a Kaiser HMO Plan.
- Kaiser CA HMO
- Kaiser CO HMO
- Kaiser WA HMO
Plan Highlights
- No deductibles
- Most services covered at 100% after copay
- In-Network coverage only
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.
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A Health Savings Account (HSA) is an individually-owned, tax-free, interest-bearing savings account that is used to pay for qualified medical expenses either now or in the future. To be eligible for an HSA, you must participate in a high deductible health plan (HDHP). HSA contributions can be made by you, your employer, or both. HSA contributions can also be used to pay for qualified medical expenses for you, your spouse, or your dependent(s)—even if your dependents are not covered by the HDHP. |
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Helpful Links
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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). |