Medical
Choosing the right medical plan
When deciding which medical plan is the best fit for you and your family, it’s important to consider the total cost of coverage. This includes what you pay in premiums, out of your paycheck, and what you pay for services.
While each medical plan covers in-network preventive screenings in full, the medical plans vary on annual deductibles, copays, and levels of coinsurance. This means you may pay more out-of-pocket costs with one plan versus another.
Ask ALEX
ALEX®, the official Stitch Fix benefits counselor, helps you find the plan that fits you and your family the best, with easy-to-understand explanations for any questions you might have along the way.
You’ll receive personalized, confidential benefits guidance, which you can access on any computer, tablet, or smartphone. Before you make your enrollment decisions, let ALEX help you find the plans that make the most sense for you.
Note: You must make changes in Workday to update your benefits. ALEX is a guide to help you make choices; it does not enroll for you.
Saves you time — Most users spend about 7 minutes with ALEX, but it really just depends on how much guidance you’d like. And ALEX can save your place, so you can leave and then pick up right where you left off.
Accessible — Use ALEX on your phone, tablet, or any device you’ve got.
Confidential — Your ALEX experience is totally private. He doesn’t maintain personal info or submit it back to
your employer (or anyone else), so it’s completely anonymous.
Easy to get started — ALEX will
ask you to estimate what type of medical care you might need this year (doctor visits, surgeries, ER visits, prescriptions, etc.), so you may want to tally those up and talk to your family about their needs, but ALEX can also help you come up with some estimates.
Making the best choice — ALEX takes the amount each plan would cost you out of your paycheck (your premium) and adds that to the amount it would cost for the services you said you might use. Then Alex recommends the least expensive plan for your needs.
Visit ALEX at myalex.com/stitchfix/2023
Shop for the right plan to meet your needs, and you’ll leave with something invaluable — the first step to living a healthy life.
HDHP - High deductible health plan (HDHP) with health savings account (HSA)
HDHPs typically are not a great choice if you visit the doctor frequently or need a lot of care and don’t have money set aside in a health savings account (HSA).
But these plans are a great option if you are in the Discovery or Stability categories and your need for care is low. Per paycheck, the HDHP plans are the least expensive (FREE for employee-only coverage!), AND Stitch Fix contributes a generous amount to your HSA!
- Lower per-paycheck costs
- Free money from Stitch Fix into your HSA
- Larger networks for both in- and out-of-network coverage
- You have to pay the deductible before the plan begins to pay
- Though this plan is cheaper overall, it can feel unpredictable
*After deductible
Note: Female contraceptives and preventive medications are covered 100% in-network. All covered services are subject to medical necessity as determined by the plan. All out-of-network services are subject to Reasonable and Customary (R&C) limitations. This means you are responsible for all charges over this allowance.
Your bi-weekly payroll deductions for this plan:
Employee only $0.00
Employee + spouse/ domestic partner** $118.70
Employee + child(ren) $105.64
Employee + family $168.11
** If you elect to cover a domestic partner, you will pay income and Social Security tax on the portion of the insurance premium Stitch Fix contributes to your partner’s coverage.
PPO Preferred provider organization (PPO) plan*
PPO plans are the most predictable — and the most expensive. It has regular copays, like $20, when you see your primary care doctor. For things like MRIs or X-rays, you pay a percentage of the cost (coinsurance), until you meet your deductible.
These plans work well for those in the Growth category or anyone who may need a higher level of care, is having a baby or if you don’t mind paying more each pay period for a broader network with predictable costs.
- Better for those who have more medical expenses and who require regular treatment for health conditions
- More of your expenses are covered by insurance
- Choose any doctor or hospital
- Per-paycheck cost is the highest of all the plans
*Note: For Utah employees, the Cigna PPO utilizes the PPO network, and not the Open Access Plus (OAP) network.
**After deductible
All covered services are subject to medical necessity as determined by the plan. All out-of-network services are subject to Reasonable and Customary (R&C) limitations. This means you are responsible for all charges over this allowance.
Your bi-weekly payroll deductions for this plan:
Employee only $102.55
Employee + spouse/ domestic partner** $300.07
Employee + child(ren) $267.05
Employee + family $424.99
If you elect to cover a domestic partner, you will pay income and Social Security tax on the portion of the insurance premium Stitch Fix contributes to your partner’s coverage.
EPO Exclusive provider organization (EPO) plan
An EPO plan has all the great things of a PPO — predictable costs, regular copays — but with Cigna’s national network of healthcare providers to choose from, so your per-paycheck cost is lower. This plan does not offer an out-of-network option, but uses a national network of providers. Take the time to ensure all of your providers and hospitals are in Cigna’s Open Access Plus network.
The EPO plan is a great option if you are in the Discovery, Stability, or Legacy categories.
- Premiums are less than a PPO, and you get all the benefits of simply copays/easy-to-understand costs
- No deductible
- Finding new providers in-network is easy on the Cigna App
- Some of your existing providers may not be in the network
- Surgeries, diagnostic care, and hospital stays may require extra work on your part to ensure all of the providers are in-network
All covered services are subject to medical necessity as determined by the plan.
Your bi-weekly payroll deductions for this plan:
Employee only $40.85
Employee + spouse/domestic partner** $170.74
Employee + child(ren) $151.96
Employee + family $241.82
**If you elect to cover a domestic partner, you will pay income and Social Security tax on the portion of the insurance premium Stitch Fix contributes to your partner’s coverage.
LocalPlus Cigna LocalPlus
The LocalPlus plan is similar to the EPO plan — predictable costs, regular copays, with a smaller network of healthcare providers in your local area. It’s the least expensive per paycheck of the plans. This plan does not offer an out-of-network option.
The LocalPlus plan is a great option if you are in the Discovery, Stability, or Legacy categories, because you can keep costs low if you stay in the network. Take the time to ensure all of your providers and hospitals are in Cigna’s LocalPlus network.
- Per-paycheck cost is the least expensive plan with copays
- There is no deductible
- Finding new providers in-network is easy on the Cigna App
- Some of your existing providers may not be in the network
- If you are traveling out of your local area, your coverage is limited to emergency care
- Surgeries, diagnostic care, and hospital stays may require extra work on your part to ensure all of the providers are in-network
All covered services are subject to medical necessity as determined by the plan.
Your bi-weekly payroll deductions for this plan:
Employee only $31.30
Employee + spouse/domestic partner** $130.85
Employee + child(ren) $116.45
Employee + family $185.32
**If you elect to cover a domestic partner, you will pay income and Social Security tax on the portion of the insurance premium Stitch Fix contributes to your partner’s coverage.
HMO Health maintenance organization (HMO) plan
Only available if you live in California or Georgia, the HMO covers procedures based on the particular laws in those states. You select your primary care physician, who coordinates your healthcare needs, including referrals and specialists. This plan does not offer an out-of- network option and relies on Kaiser providers in your local area.
The Kaiser plan is a good fit for any category, if you are comfortable with the Kaiser network in your area.
- Per-paycheck costs are reasonable
- No deductible to meet!
- Your PCP takes care of referrals to specialists
- Plans are only available in California or Georgia
- State laws may govern your access to care
- If you are traveling out of your local area, your coverage is limited to urgent and emergency care
All covered services are subject to medical necessity as determined by the plan.
Your bi-weekly payroll deductions for this plan:
California
Employee only $34.72
Employee + spouse/ domestic partner** $152.77
Employee + child(ren) $138.88
Employee + family $208.32
Georgia
Employee only $31.02
Employee + spouse/ domestic partner** $136.46
Employee + child(ren) $124.05
Employee + family $186.09
**If you elect to cover a domestic partner, you will pay income and Social Security tax on
the portion of the insurance premium Stitch Fix contributes to your partner’s coverage.
Check out these amazing medical plan accessories
Resources for Cigna plan participants
Transgender benefits
Cigna understands the challenges that transgender or gender nonconforming people face. They know the importance of being treated with respect, using the right pronouns, and being supported by people who care. That’s why they have placed extra emphasis on training their teams and creating programs to meet your unique needs.
my.cigna.com
Take control of your health with extra support
Get help reaching your goals like quitting tobacco or lowering your stress levels. Cigna offers free monthly seminars on eating disorders, substance abuse, and behavioral health awareness for children and families.
my.cigna.com
Cigna One Guide
Understanding and using your health plan isn’t always easy. Your Cigna One Guide® team is ready to answer all your health plan questions, and so much more.
800-CIGNA24 cigna.com/guideme
MDLIVE virtual visits
Whether it’s late at night and your doctor or therapist isn’t available or you just don’t have the time or energy to leave the house, you can access care from anywhere. Get minor medical care, schedule mental health appointments, and have prescriptions sent directly to your local pharmacy.
my.cigna.com
Our whole-person approach
If you or a loved one has been diagnosed with a behavioral health condition, Cigna provides access to behavioral experts who can help address the challenges of autism spectrum disorder, child/adolescent mood and anxiety disorders, eating disorders, substance use, and more.
my.cigna.com
Conception benefits
All employees and their spouses or partners are eligible to access this benefit with Cigna regardless of sexual orientation, gender identification, marital status, race, or age. Covered services include lab and radiology tests, artificial insemination, in vitro fertilization (IVF), and more.
my.cigna.com
Virtual care for chronic conditions
Lose weight, manage diabetes, and lower blood pressure with Omada Health— a personalized, one-on-one coaching program.
omadahealth.com/stitchfix
Resources for Kaiser plan participants
Virtual visits
The next time you schedule an appointment at Kaiser Permanente, you may be offered a video visit with your doctor, which can save you time and travel expenses.
kp.org/mydoctor/videovisits
Calm
Calm uses meditation and mindfulness to help lower stress, reduce anxiety, and improve sleep quality. Listen to guided meditations taught by world- renowned experts, sleep stories narrated by celebrities, mindful movement videos, and more.
kp.org/selfcareapps
Healthy lifestyle programs
Take an active role in your health with customized online programs designed to help you live healthier. Take a total health assessment and you’ll get a customized plan to help you make healthy lifestyle changes. The programs take 20 minutes to complete, and you can do so at your own pace. (Also available in Spanish.)
kp.org/healthylifestyles
Get emotional support 24/7
Kaiser is collaborating with Ginger to help you cope with some of life’s most common challenges like managing stress and relationships. Ginger’s highly trained emotional support coaches are there when you need it.
ginger.com
Medical care while you’re away from home
If something unexpected happens while you’re away from home, it’s easier than ever to get medical advice 24/7, access care by phone or video, and email non-urgent questions to your doctor’s office.
Away from Home Travel Line:
951-268-3900 (TTY 711)
kp.org/travel
Resources
OPEN ENROLLMENT FOR 2024 BENEFITS HAS ENDED.
You have three ways to enroll:
- Call 888-246-6680 (Monday - Friday from 8 a.m. to 8 p.m. EST) during the open enrollment period. Benefits counselors are ready to assist you.
- Schedule an appointment below with a benefits counselor during the open enrollment period.
- Self-enroll by clicking here: https://stitchfix.onelogin.com/portal