2026-2027 Benefits Guide

For a brief overview of the two plans, please see the following comparison chart.

MEDICAL PLAN SUMMARY COMPARISON CHART

Cigna OAP

Cigna HDHP

OUT-OF- NETWORK

Services you may need

IN-NETWORK

IN-NETWORK

OUT-OF-NETWORK

Calendar Year Deductible Individual

$5,250 $15,750

$5,250 $15,750

$6,000 $12,000

$6,000 $12,000

Family

Coinsurance Out-of-Pocket Max per cal. Year Individual $5,850

$5,850 $17,550

$6,000 $12,000

$6,000 $12,000

Family

$17,550

Office Visits

Primary care visit to treat an injury or illness

$50 copay/visit Deductible does not apply $100 copay/visit Deductible does not apply

30% coinsurance Deductible does not apply for immunizations

50% coinsurance Deductible does not apply

100% after cal yr deductible

Specialist

Preventative care

Preventive Care/Screening/ Immunization

No charge; Deductible does not apply

50% coinsurance Deductible does not apply

No charge; Deductible does not apply

30% coinsurance Deductible does not apply

Diagnostic Testing

No charge; Deductible does not apply

100% after cal yr deductible

X-Ray / Blood work

50% coinsurance

30% coinsurance

Other Diagnostic Procedures Imaging (CT/PET scans, MRIs)

100% after cal yr deductible 100% after cal yr deductible 100% after cal yr deductible 100% after cal yr deductible

30% coinsurance

50% coinsurance

30% coinsurance

Durable Medical Equipment

30% coinsurance

50% coinsurance

30% coinsurance

Physician/Surgeon Fees

30% coinsurance

50% coinsurance

30% coinsurance

$75 copay Deductible does not apply $500 copay/visit plus 30% coinsurance. Deductible does not apply

$75 copay Deductible does not apply $500 copay/visit plus 30% coinsurance Deductible does not apply

100% after cal yr deductible

Urgent Care

Emergency Room Care (copay waived if admitted)

100% after cal yr deductible

100% after cal yr deductible

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