Cigna Medical Plan Options
With three plans available through Cigna, you have the flexibility to find the right plan to meet your needs and your budget.
You have the option to elect one of the following choices:
- Cigna PPO Plan
- Cigna Consumer Directed Health Plan (CDHP) Option 1 with Sunrun funded HSA
- Cigna Consumer Directed Health Plan (CDHP) Option 2 with HSA and Sunrun provided Hospital Indemnity coverage
The above are the Cigna network names, all employees have the option to choose any of the three medical plans offered through Cigna. Each of these plans includes comprehensive medical and prescription drug coverage, with qualified in-network preventive care and screenings covered at 100 percent.
Your benefits and COVID-19
How to Find an In-Network Provider
To search by type of doctor, name of doctor or health facilities, please follow these steps:
- Visit Cigna.com
- Select “Find a Doctor, Dentist or Facility” at the top of the page
- Select “Employer or School” under “How are you Covered?”
- Enter your zip, city or state and select the “Doctor by Type, Doctor by Name, or Health Facilities” button
- For “Doctor by Type”, enter a specialty or type of doctor
- For “Doctor by Name”, enter your doctor’s name
- For “Health Facilities”, enter the name of your health facility
- If you live in Utah: Select “PPO, Choice Fund PPO” Plan
- If you live outside Utah: Select “Open Access Plus, OA Plus, Choice Fund OA Plus”
Additional plan information and resources
Cigna PPO Plan Overview
This plan gives you the freedom to seek care from the provider of your choice. However, you will maximize your benefits and reduce your out-of-pocket costs if you choose a provider who participates in the Cigna network. You must meet the annual deductible before the plan covers certain services.
Cigna Consumer Directed Health Plan (CDHP) Option 1 & Option 2 Plan Overview
The Cigna CDHPs offer comprehensive healthcare coverage at lower premiums and higher deductibles than traditional healthcare plans. With lower premiums to pay for coverage, you choose how to spend your healthcare dollars. You can either pay for eligible services by using funds in your HSA, or you can pay for them out of your own pocket.
If you enroll in the CDHP Option 1, Sunrun will also contribute $500 for employee-only coverage and $1,000 for family coverage per year to the account to help it grow. Note: You can only use HSA funds as they are deposited in your account. You can always reimburse yourself later once you have accumulated funds in your account.
Please note: Your pharmacy benefit services with Cigna are provided by Express Scripts and administered by RxBenefits. RxBenefits can help you navigate through any issues related to purchasing prescription medication.
Cigna Plan Features
How the Consumer Directed Health Plans (CDHPs) Work
The Cigna CDHP Option 1 and CDHP Option 2 offer comprehensive healthcare coverage at lower premiums and higher deductibles than traditional healthcare plans. With lower premiums to pay for coverage, you choose how to spend your healthcare dollars. You can either pay for eligible services by using funds in your HSA, or you can pay for them out of your own pocket. Note: You can only use HSA funds as they are deposited in your account. You can always reimburse yourself later once you have accumulated funds in your account.
Health Savings Accounts (HSAs): HSA Bank
Both CDHPs feature a health savings account (HSA) that enables you to pay for current, qualified healthcare expenses and save for future expenses on a tax-free basis. You have the opportunity to set aside funds in your HSA before taxes through convenient payroll deductions.
How Your HSA Is Funded
There are two ways to contribute money to your HSA:
- Pre-tax contributions through payroll deductions
- After-tax cash contributions that are deductible when you file your taxes
Sunrun contributes $500 for employee-only coverage and $1,000 for family coverage annually to the HSA tied to the CDHP Option 1. These contributions are prorated per paycheck. Sunrun does not make annual contributions to the CDHP Option 2.
Total Annual HSA Contribution Limit
It is important to note that your contributions, when combined with any contributions from the company, may not exceed the IRS annual maximum of $3,650 for individual coverage and $7,300 for family coverage in 2022. Note: Individuals 55 and older may make additional “catch-up” contributions up to $1,000 each year until they enroll in Medicare.
Qualified Healthcare Expenses
HSAs enable you to pay for the following qualified healthcare expenses on a tax-free basis:
- Qualified medical, dental and vision expenses not covered by the plans, as defined by the IRS in Publication 502, available online at http://www.irs.gov/pub/irs-pdf/p502.pdf
- COBRA premiums
- Qualified long-term care insurance and expenses
- Health insurance premiums when receiving unemployment compensation
- Medicare and retiree health insurance premiums (excluding Medicare Supplement and Medigap insurance premiums)
Considering the CDHP Option 1
The Cigna Consumer Directed Health Plan (CDHP) Option 1 puts you in control. Like the PPO Plan, you can choose any healthcare provider you’d like (although you’re always better off with an in-network provider). It has lower premiums—in exchange for a higher deductible. The plan also comes with a health savings account (HSA) to help you save for healthcare expenses tax free.
Sunrun will even contribute $500 for individual coverage and $1,000 for family coverage to the HSA to help the account grow faster! So if you want lower premiums, are comfortable taking on the risk of a higher deductible and want to increase your tax-free savings, consider the CDHP Option 1!
Is the CDHP Option 1 right for you?
27. Single. #travelgram
Liz is a lifelong runner with few health problems who sees her doctor and OB/GYN for regular checkups. She would like to own a home one day with a yard for her golden retriever, Bailey.
Why Liz should consider the CDHP Option 1
Liz’s health insurance pays the full cost of her routine checkups. Because she is fairly healthy, Liz can expect few out-of-pocket expenses during the year. She can take advantage of the CDHP’s lower premiums and start saving for future expenses by contributing pre-tax funds to her HSA. In addition, she can take advantage of Sunrun’s annual $500 contribution to her account!
Meet Carmen & Luis
35 & 36. Expecting.
Carmen and Luis are busy getting ready to welcome their new bundle of joy. As new parents, they both want to be sure Carmen has a healthy pregnancy.
Why Carmen and Luis should consider the CDHP Option 1
If they enroll in the CDHP, both Carmen and Luis can take advantage of Sunrun’s annual $1,000 contribution to the HSA, as well as their own contributions, to start saving for future healthcare expenses. Although they will have a higher deductible under the CDHP, they should keep in mind that the cost of four doctor’s office visits during the year is less than the cost of premiums under the PPO Plan.
45. Family of Three.
Cory and his wife have two teenage girls. As a person with diabetes, Cory makes sure to monitor his blood sugar regularly. While Cory and his wife are saving for college, they’re also keeping an eye on their retirement.
Why Cory should consider the CDHP Option 1
If Cory enrolls in the CDHP, the plan will pay the full cost of his insulin. He can also take advantage of Sunrun’s annual $1,000 contribution to his account, on top of his own contributions. Cory can then use these funds at any time—even as an additional income source in retirement!
Provider contact information
- Cigna: (800) CIGNA24 (800-244-6224)
- RxBenefits (Cigna Members): (800) 334-8134