2020 Plan Options

Medical 750

Medical 1500

HDHP*

Spousal Plan
 
 

Cigna Open Access Plus, OA Plus, Choice Fund OA Plus

Cigna Open Access Plus, OA Plus, Choice Fund OA Plus

Cigna Open Access Plus, OA Plus, Choice Fund OA Plus

Other Insurance

Deductible

$750 / $1,500

$1,500 / $3,000

$2,800 / $5,400

$0

Out-of-Pocket Maximum

$4,000 / $8,000

$4,000 / $8,000

$4,000 / $8,000

$0

Preventive Care

100% Coverage

100% Coverage

100% Coverage

$0

ER Co-payment

$250

$250

$0 AD

$0

Co-insurance In-Network

85% / 15%

85% / 15%

85% / 15%

$0

Co-insurance Out-of-Network

65% / 35%

65% / 35%

65% / 35%

$0

Out-of-State Coverage

Employee

Employee + 1

Family

$100

$180

$250

$35

$55

$75

**$16

**$36

**$56

$100

$180

$250

*HDHP option requires that the deductible is met prior to any services other than preventive care. ARUP will contribute into a HSA $700 individual coverage or $1,400 family coverage

**An automatic additional $4 per month will be added to this premium for access to HealthJoy

Penalties are added to the regular monthly premiums for those that choose to not participate with the PHP annually and/or for those that use tobacco.

Personal Health Profile (PHP)

  • Will be required for employee and spouse (if enrolled on ARUP insurance) to avoid penalty
  • If spouse does not complete their PHP and the employee does, they are still subject to the family penalty amount

Tobacco Premium Penalty

  • Those using tobacco will pay a higher premium for medical insurance
  • Smoking cessation supplies are available at no cost thru the Family Health Clinic
  • Be sure to select the tobacco or non-tobacco rates when enrolling
  • By selecting non-tobacco, you are committing to not using tobacco the full year