Medical
Schwazze offers three medical plan options through Cigna.
Before you enroll in medical coverage, take some time to fully understand how each plan works. See page 6 for an overview of the plan benefits.
ASK YOURSELF THESE QUESTIONS:
Can you set aside money from your paycheck to save for out-of-pocket health care costs?
You will have the option to fund a health care flexible spending account (FSA) that can save you money on your health care costs.
Do you prefer to pay less when you visit the doctor’s office?
Consider the Cigna Gold $1,000. While you will pay more from your paycheck each month for coverage, you will be responsible for a smaller copay or cost share when you need care.
What planned medical services do you expect to need in the upcoming year?
If you generally do not visit the doctor’s office except for an annual exam, it may not be cost effective to choose the plan with the highest level of benefits and, consequently, the higher monthly premium expense.
MEDICAL COSTS
Listed below are the per paycheck costs for medical insurance. The amount you pay for coverage is deducted from your paycheck on a pre-tax basis, which means you don’t pay taxes on the amount you pay for coverage.
The plans offer in- and out-of-network benefits, providing you the freedom to choose any provider. However, you will pay less out of your pocket when you choose a Cigna provider.
Locate an in-network provider at hcpdirectory.cigna.com.
The table below summarizes the benefits of each medical plan. The coinsurance amounts listed reflect the amount you pay. Please refer to the official plan documents for additional information on coverage and exclusions.
PREVENTIVE CARE
In-network preventive care is 100% free for medical plan members.
You won’t have to pay anything out of your pocket when you receive in-network preventive care. Practice preventive care and reap the rewards of a healthier future.
Preventive care helps keep you healthier long-term.
An annual preventive exam can help IDENTIFY FUTURE HEALTH RISKS and treat issues early when care is more manageable and potentially more effective.
Preventive care helps keep your costs low.
With a preventive care exam each year, you can TARGET HEALTH ISSUES EARLY when they are less expensive to treat. You can also effectively manage chronic conditions for better long-term health.
Preventive care keeps your health up to date.
Yearly check-ins with your doctor keeps your health on track with AGE- AND GENDER-SPECIFIC EXAMS, VACCINATIONS, AND SCREENINGS that could save your life.
Some services are generally not considered preventive if you get them as part of a visit to diagnose, monitor, or treat an illness or injury. Please be aware that you will be responsible for the cost of any non-preventive care services you receive at your preventive care exam based on your plan design.
Learn more about preventive care at cigna.com.
VIRTUAL CARE
You have access to virtual care through MDLIVE. Get the care you need when and wherever you need it. Whether you’re on the go, at home, or at the office, care comes to you in the form of virtual care.
Get care for non-emergency conditions.
Virtual care can connect you to a doctor, without an appointment, from your phone, computer, or tablet. Receive care for common health issues like allergies, asthma, sore throat, fever, headache, rashes, and much more.
Receive mental health support and counseling.
Licensed counselors and psychiatrists can help diagnose, treat, and even prescribe medication when needed for depression and anxiety, substance abuse and panic disorders, PTSD, men and women’s issues, grief and loss, and more.
Talk with a doctor by phone or video, 24/7.
Use virtual care to prioritize your health by getting the care you need when you need it. Visit mdliveforcigna.com or call 888-726-3171 to get started.
Know where to go for care.
Where you go for medical services can make a big difference in how much you pay and how long you wait to see a health care provider. Use the chart below to help you choose where to go for care.
