Your Choice: Three Plan Options
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Cigna PPO 1000
This PPO plan offers access to numerous in-network services for the cost of a copay. The premiums for this plan are the highest of the three plan options, while the copays (for in-network benefits) and out-of-pocket maximums are the lowest of the three plan options. Shared costs through coinsurance (for out-of-network care) are also lower than the PPO 2000 option.
Cigna PPO 2000
This PPO plan also offers access to numerous in-network services for the cost of a copay. The premiums for this plan sit in between the other two plans, with higher shared cost through coinsurance and higher out-of-pocket maximums than the Cigna PPO 1000, with earlier access to cost share than the Cigna HDHP.
Cigna HDHP
The high deductible health plan (HDHP) offers the lowest premiums of all three plan options, but requires the highest immediate out-of-pocket costs when you need care, since you must meet the deductible before the plan begins paying benefits. The Cigna HDHP plan is the only plan eligible to be paired with a Health Savings Account (HSA), which is partially funded by Salesloft to cover a portion of your deductible ($1,200 if you’re enrolled as an individual, or $2,400 if you’re enrolled in any other tier). You may also deposit additional pre-tax dollars into your HSA to pay for eligible medical, dental, vision and pharmacy expenses with tax-free dollars. Or you can save unused fund to use at a later time, even in retirement.
All three medical plans:
- Have access to the same Cigna Open Access Plus (OAP) network of providers with a wide range of doctors and hospitals to choose from.
- Provide prescription drug coverage.
- Have a large provider network so you have a wide range of doctors and hospitals to choose from.
- Do not require a referral to see a specialist or out-of-network provider.
Additional Benefits
Cigna Healthy Pregnancies, Healthy Babies Program®
This comprehensive maternity management program, provided at no cost to enrolled participants, is designed to help you stay healthy before and during your pregnancy and in the days and weeks following your baby’s birth. Resources include educational materials, wellness programs, incentives, and a 24/7 health information line staffed with experienced registered nurses. Call 800-615-2906 to enroll.
Carrot Family-forming Benefits
Carrot benefits offered through Salesloft offer employees access to convenient, affordable fertility and family-forming care, as well as a $10,000 lifetime maximum benefit, to help support you through your family-forming journey. In addition, Carrot offers personalized guidance, unlimited free virtual visits with fertility health and family-forming experts, and a number of education resources. get-carrot.com
Telehealth through MDLIVE
A feature of your Salesloft Medical benefits through Cigna is telehealth visits through MDLIVE, available for you and all dependents enrolled on the plan. You and your covered dependents have 24/7/365 access to board certified primary care doctors and pediatricians by online video or phone through MDLIVE. These virtual visits often cost less than traditional in-office visits under all three plans, as well as the convenience of using from your own home. mdliveforcigna.com
Semi-monthly Rates
| Benefit plan | Employee | Employee + Spouse/DP |
Employee + Child(ren) |
Family |
|---|---|---|---|---|
| Cigna PPO 1000 | $83.32 | $304.87 | $282.73 | $456.67 |
| Cigna PPO 2000 | $32.18 | $218.67 | $202.81 | $330.84 |
| Cigna HDHP | $21.32 | $171.45 | $157.48 | $245.75 |
Medical Plan Overview Chart
| Cigna PPO 1000 | Cigna PPO 2000 | Cigna HDHP | ||||
|---|---|---|---|---|---|---|
| In-network | Out-of-network | In-Network | Out-of-Network | In-Network | Out-of-Network | |
| Deductible (Individual / Family) |
$1,000 / $2,000 | $2,000 / $6,000 | $2,000 / $4,000 | $3,000 / $9,000 | $3,200 / $6,400 | $8,400 / $16,800 |
| Out-of-Pocket Maximum (Individual / Family) |
$5,000/$10,000 | $19,800 / $39,600 | $6,000 / $12,000 | $19,800 / $39,600 | $6,000/$12,000 | $10,800 / $32,400 |
| Coinsurance | 10% | 30% | 20% | 40% | 10% | 30% |
| Preventive Care | $0 | 30% after deductible | $0 | 40% after deductible | $0 | 30% after deductible |
| Primary Care Physician Office Visit | $25 | 30% after deductible | $25 | 30% after deductible | 10% after deductible |
30% after deductible |
| Specialist Office Visit | $50 | 30% after deductible | $50 | 30% after deductible | 10% after deductible |
30% after deductible |
| Emergency Room | $250 | $150 | $250 | $150 | 10% after deductible |
10% after deductible |
| Urgent Care | $60 | $60 | $60 | $60 | 10% after deductible |
10% after deductible |
| Outpatient Surgery | 10% after deductible | 30% after deductible | 20% after deductible | 40% after deductible | 10% after deductible |
30% after deductible |
| Inpatient Hospital | 10% after deductible | 30% after deductible | 20% after deductible | 40% after deductible | 10% after deductible |
30% after deductible |
| Prescription Drugs | ||||||
| Retail (up to 30-day supply) | ||||||
| Generic | $15 | N/A | $15 | N/A | $15* | N/A |
| Preferred Brand | $35 | $35 | $35* | |||
| Non-preferred Brand | $60 | $60 | $60* | |||
| Specialty** | 20% up to $300 max | 20% up to $300 max | 20% up to $300 max, after deductible | |||
| Mail Order and Retail (up to 90-day supply)** | ||||||
| Generic | $15 | $15 | $15* | |||
| Preferred Brand | $70 | $70 | $70* | |||
| Non-preferred Brand | $180 | $180 | $180* | |||
| Specialty** | 20% up to $300 max | 20% up to $300 max | 20% up to $300 max, after deductible | |||
* Medical deductible applies to HDHP prescription benefits.
** Specialty medications limited to a 30-day supply.