Cigna Medical Plans
Cigna Health Plan Comparison
Snowflake offers two Cigna medical plans designed to fit your needs and budget. Review your options on this page and use our support services and resources to guide your benefits experience.
- For questions about coverage or any other details, contact the Cigna Dedicated Client Service Partner at Snowflake@CignaHealthCare.com. You may also contact customer service at (800) 244-6224.
- To find in-network providers, search the Cigna provider directory.
Your Plan Options
Cigna OAP High Deductible Health Plan (HDHP) with HSA
This option comes with a higher deductible than a traditional PPO, and the deductible must be satisfied before the plan will pay for any non-preventive medical or prescription services. But, because this is a qualified high deductible plan, you are eligible for a Health Savings Account (HSA). Snowflake will put money into your account automatically each pay period. You can reduce your taxable income by contributing pre-tax funds into your account. Learn more about HSAs.
Cigna OAP Preferred Provider Organization (PPO)
This plan is a traditional PPO with a lower deductible than the HDHP. The deductible only applies to certain services. Most services are subject to a copayment. With this plan, you do not have access to an HSA, and the monthly payroll contributions are higher.
Cigna HDHP w/
(888) 806-5042
Policy/
cigna.com
Cigna Dedicated Client Service Partner
(800) 244-6224
Snowflake@CignaHealthCare.com
CVS Prescription Coverage
(866) 242-0050
CVS Specialty Pharmacy : (800) 237-2767
Group #: 22GD
caremark.com
Compare Plan Details
Use this table to review your plan details at a glance.
| Cigna OAP HDHP with HSA | Cigna OAP PPO | |||
|---|---|---|---|---|
| In-Network | Out-of-Network | In-Network | Out-of-Network | |
| Annual Deductible | ||||
| Individual | $2,000 | $2,000 | $250 | $250 |
| Family | $4,000 | $4,000 | $500 | $500 |
| Annual Out-of-Pocket Maximum | ||||
| Individual | $3,000 | $3,000 | $3,000 | $3,000 |
| Family | $6,000 | $6,000 | $6,000 | $6,000 |
| Preventive Care | No charge | You pay 30% after deductible | No charge | You pay 30% after deductible |
| Primary Provider | You pay 10% after deductible | You pay 30% after deductible | $20 copay | You pay 30% after deductible |
| Specialist | You pay 10% after deductible | You pay 30% after deductible | $20 copay | You pay 30% after deductible |
| Cigna Telehealth Services | You pay 10% after deductible | Not covered | $20 copay | Not covered |
| Diagnostic Lab and X-Ray | You pay 10% after deductible | You pay 30% after deductible | You pay 10% after deductible | You pay 30% after deductible |
| Mental Health | ||||
| Outpatient (Physician's Office) | You pay 10% after deductible | You pay 10% after deductible | $20 copay | You pay 10% after deductible |
| OutPatient (Other) | You pay 10% after deductible | You pay 10% after deductible | You pay 10% after deductible | You pay 10% after deductible |
| Inpatient | You pay 10% after deductible | You pay 30% after deductible | You pay 10% after deductible | You pay 30% after deductible |
| Chiropractic Care (30 visit annual maximum) | You pay 10% after deductible | You pay 30% after deductible | $20 copay | You pay 30% after deductible |
| Emergency Room | You pay 10% after deductible | You pay 10% after deductible | $150 copay per visit (waived if admitted); You pay 10% | $150 copay per visit (waived if admitted); You pay 10% |
| Hospitalization | You pay 10% after deductible | You pay 30% after deductible | You pay 10% after deductible | You pay 30% after deductible |
| Outpatient Surgery | You pay 10% after deductible | You pay 30% after deductible | You pay 10% after deductible | You pay 30% after deductible |
For questions about Cigna coverage when traveling outside of the United States, please view the Urgent and Emergency Care flyer.
Cigna Support Services
Snowflake Cigna plan participants have access to a team of clinical experts—including nurse case managers, health coaches, registered dietitians, exercise physiologists, behavioral professionals, social workers, personal advocates, and a Dedicated Client Service Partner— ready to support your medical needs, as well as your overall wellbeing.
Dedicated Service Partner | Personal Health Advocate | Cigna One Guide® |
| Start here to get instant, personalized help understanding and using your Cigna health plan. Get in Touch Now | Contact your team of clinical experts who are ready to support your medical needs and wellbeing. Contact your Advocate | Call a One Guide® representative during pre-enrollment to get personalized, useful guidance. Cigna One Guide® |
Call (800) 244-6224 or email Snowflake@CignaHealthCare.com for 24/7/365 assistance.
When to use Support Services
| Service | I Need To... | Contact Info |
Dedicated Service Partner | For questions about this offering or any other details, call (800) 244-6224 or email Snowflake@CignaHealthCare.com. To learn more about your Cigna Dedicated Client Service Partner, view Dedicated Client Service Partner information. |
|
Personal Health Advocate | To learn more about the Cigna Personal Health Advocates, view Personal Health Advocate information. | |
Cigna One Guide® | To learn more about the Cigna One Guide, view the Cigna One Guide. |
Pharmacy
Your prescription drug benefits are administered by CVS Caremark, which provides coverage for prescription medications and related pharmacy services. Visit CVS Prescription Coverage for details.
Additional Resources
Snowflake Cigna plan participants have access to additional health and wellness resources.
Omada Diabetes Prevention Program
Cigna’s Omada Diabetes Prevention Program
Through an innovative digital behavior change program, Cigna’s Omada diabetes prevention program helps participants lose weight (and keep it off), build strategies for healthy eating, activity, sleep, and stress management, and reduce the risk of developing type 2 diabetes and cardiovascular disease—one step at a time.
Helpful Links
Lyra Mental Wellbeing Support
Additional Support Through Lyra
Coaching and Therapy: Snowflakes and their dependents enrolled in a Cigna medical plan* can continue care with a Lyra network therapist or coach beyond the 25 free sessions per year. When care transitions to the Cigna medical plan, your regular deductibles, copays, or coinsurance apply.
Medication Management: You also have access to medication management support, allowing Cigna members* to get prescription drugs through Lyra.
Leave Assistance: In addition, Snowflakes enrolled in Cigna plans* will have access to a Clinical Leave Evaluation module in which Lyra will fill out the leave paperwork for members who need to take a leave of absence due to mental/
*You (and your dependents) must be enrolled in a Cigna medical plan through Snowflake to qualify.
Virtual Care
The doctor will see you now… anywhere!
Don’t have the time to visit the doctor’s office? Cigna offers telehealth and virtual care services from MDLive so you can get the care you need for a variety of minor conditions over the phone, via email, or on a video chat.
MDLive offers online care from board-certified doctors and pediatricians. Use these resources to get help for minor conditions such as colds and flu, allergies, head and stomach aches, and more.
Documents and Contacts
Transparency in Coverage
These links lead to the machine-readable files made available in response to the federal Transparency in Coverage Rule and include negotiated service rates and out-of-network allowed amounts between health plans and health care providers. The machine-readable files are formatted to enable researchers, regulators, and application developers to access and analyze data more easily.
Cigna: ticmrf.com/46-0636374
Contact Information
Cigna HDHP w/ | Cigna Dedicated Client Service Partner(800) 244-6224 Snowflake@CignaHealthCare.com | CVS Pharmacy(866) 242-0050 CVS Specialty Pharmacy : (800) 237-2767 Group #: 22GD caremark.com |
MyCigna App  | CVS Caremark® Mobile App  |
