Medical Plans

Affordable and flexible

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Cigna Limited Network

  • Three provider groups
    • Kelsey Seybold
    • Memorial Hermann
    • Renaissance
  • Primary Care Physicians
    • Required for Memorial Hermann & Renaissance
    • Not required for Kelsey Seybold
  • Family members may have different provider groups and PCPs
  • Copayments
  • $150 individual / $450 family medical services deductible
  • $4,500 individual / $9,000 family out-of-pocket maximum
  • Four-tier prescription plan with $100 individual / $300 family deductible

Consumer-Driven Health Plan (CDHP)

  • Includes a Health Reimbursement Account
    • City pays the first $500 individual / $1,000 family
    • Unused amounts rollover
  • Same network as Cigna Open Access Plan
  • Lowest premium contributions
  • More out-of-pocket expenses at time of service
  • In-network services 20% coinsurance / out-of-network services 40% coinsurance
  • Medical service deductibles
    • In-network individual $1,750 / family $3,500
    • Out-of-network individual $3,500 / family $7,000
  • Out-of-pocket maximums
    • In-network individual $6,840 / $13,700 family
    • Out-of-network individual $12,000 / family $24,000
  • Four-tier prescription drug plan; 20% coinsurance for all tiers

Cigna Open Access

  • Access to over 572,800 Cigna providers all over the United States without referrals
  • Primary Care Physicians (PCP) are not required
  • Direct access to specialists
  • Only true emergency services are covered out-of-network
  • Copayments for office visits
  • Coinsurance for other services
  • $750 individual / $1,500 family deductible
  • $6,840 individual / $13,700 family out-of-pocket maximum
  • Four-tier prescription plan with no deductible

What's New?

Medical plan changes include new rates and a few plan design modifications

  • Medical rates are increasing in the Cigna Open Access Plan and Consumer-Driven Health Plan (CDHP)
  • Out-of-pocket maximums are increasing in all plans
  • Pharmacy benefits are being expanded to include a network of 30- and 90-day retail pharmacies

ER vs. Urgent Care

 er

Feeling sick? If it's not life threatening, urgent care can save you time and money.

Visit an urgent care facility for:

  • Minor cuts
  • Burns and sprains
  • Fever and flu symptoms
  • Joint or lower back pain
  • Urinary tract infections

Don't know where to go? Download the mycigna.com app for quick and easy access to a list of urgent care facilities available to you.