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”
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
Plan Feature | Cigna PPO Plan | Cigna CDHP Option 1 with HSA | Cigna CDHP Option 2 with HSA | |||
---|---|---|---|---|---|---|
In-Network | Out-of-Network | In-Network | Out-of-Network | In-Network | Out-of-Network | |
Annual Deductible | ||||||
Employee only | 700 | $1,000 | $1,600 | $3,500 | $3,500 | $4,000 |
Family | $1,400 | $2,000 | $3,200 | $7,000 | $7,000 | $8,000 |
Annual Out-of-Pocket Maximum | ||||||
Employee only | $3,500 | $6,000 | $4,000 | $5,000 | $4,500 | $8,000 |
Family | $7,000 | $12,000 | $8,000 | $10,000 | $9,000 | $16,000 |
Company Contribution to the Health Savings Account (HSA) | ||||||
Employee only | N/A | $500 (prorated per pay period throughout the year) | N/A | |||
Family | N/A | $1,000 (prorated per pay period throughout the year) | N/A | |||
Services | ||||||
Office visit copays or coinsurance will be waived for mental health and substance abuse office and virtual visits | ||||||
Preventive Care | Plan pays 100%, no deductible | Plan pays 60% after deductible | Plan pays 100%, no deductible | Plan pays 50% after deductible | Plan pays 100%, no deductible | Plan pays 50% after deductible |
Primary Care Physician Office Visit | $25 copay | Plan pays 60% after deductible | Plan pays 80% after deductible | Plan pays 50% after deductible | Plan pays 80% after deductible | Plan pays 50% after deductible |
Specialist Office Visit | $40 copay | Plan pays 60% after deductible | Plan pays 80% after deductible | Plan pays 50% after deductible | Plan pays 80% after deductible | Plan pays 50% after deductible |
Emergency Room Visit (copay waived if admitted) | $150 copay | Plan pays 80% after deductible | Plan pays 80% after deductible | |||
Inpatient Hospital Stay | $250 copay and plan pays 80% after deductible | $500 copay and plan pays 60% after deductible | Plan pays 80% after deductible | Plan pays 50% after deductible | Plan pays 80% after deductible | Plan pays 50% after deductible |
Prescription Drugs (Tier 1/Tier 2/Tier 3/Tier 4) | ||||||
Preventive | Preventive drugs are covered at 100% for all three health plans. For a list of eligible medications for all plans, click here. | |||||
Retail (up to a 30-day supply) | $15/$35/$50/30% with a maximum of $100 | Plan pays 60% after deductible | After deductible, $15/$25/$40/20% | Plan pays 50% after deductible | Plan pays 80% after deductible | Plan pays 50% after deductible |
Mail Order (up to a 90-day supply) | $30/$70/$100/30% with a maximum of $200 | Not covered | After deductible, $30/$50/$80/20% | Not covered | Plan pays 80% after deductible | Not covered |
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
Your Contributions
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
Company Contributions
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 $4,150 for individual coverage and $8,300 for family coverage in 2024. 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
- 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!