Medical
- Remaining with Cigna. Members will continue to benefit from their extensive health and well-being programs available to participants.
- Virtual cards in 2024! Cigna will be moving from physical ID cards to virtual in 2024. Cards will be available on the app or website.
- Gym Discounts Available – a large network of gym memberships available through Active&Fit Direct Fitness Discounts through Cigna’s Healthy Rewards Program
2024 Medical Plan Features
Some plan features have been updated to continue to align with market.
| Cigna PPO 1000 | Cigna PPO 2000 | Cigna HDHP | |
|---|---|---|---|
| In-network | |||
| Deductible (Individual / Family) |
$1,000 / $2,000 | $2,000 / $4,000 | $3,200 / $6,400 |
| Out-of-Pocket Maximum (Individual / Family) |
$5,000/$10,000 | $6,000 / $12,000 | $6,000/$12,000 |
| Coinsurance | 10% | 20% | 10% |
| Primary Care Physician Office Visit | $25 | $25 | Ded. & Coins. |
| Specialist Office Visit | $50 | $50 | Ded. & Coins. |
| Emergency Room | $250 | $250 | Ded. & Coins. |
| Urgent Care | $60 | $60 | Ded. & Coins. |
| Outpatient Surgery | Ded. & Coins. | Ded. & Coins. | Ded. & Coins. |
| Inpatient Hospital | Ded. & Coins. | Ded. & Coins. | Ded. & Coins. |
| Prescription Drug Deductible | N / A | N / A | Medical Ded. Applies |
| Prescription Drug Retail (Tier 1 / Tier 2 / Tier 3) | $15 / $35 / $60 | $15 / $35 / $60 | $15 / $35 / $60 |
| Out-of-network Coverage | |||
| Deductible (Individual / Family) |
$2,000 / $6,000 | $3,000 / $9,000 | $8,400 / $16,800 |
| Out-of-Pocket Maximum (Individual / Family) |
$19,800 / $39,600 | $19,800 / $39,600 | $10,800 / $32,400 |
| Coinsurance | 30% | 40% | 30% |
* 2024 Changes are noted in green
2024 Medical Plan Semi-Monthly Rates
| Benefit plan options | 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 |
Vision
- New provider network. Cigna is changing the vision provider network from VSP to EyeMed.
Health Savings Account (HSA)
- Contribute more to an HSA in 2024! IRS maximum contribution limits are increasing to $4,150 for employee-only and $8,300 for family. (These are increases of $300 and $550). These maximum limits include your contributions and Salesloft’s contributions combined.
- Contribute an additional $1,000 in catch-up contributions each year if you’re age 55 or older.
- Salesloft will continue to contribute up to $1,200/$2,400 for 2024! For those enrolled in a high deductible health plan, Salesloft will continue to contribute up $1,200 for employee only and $2,400 for family (all dependent coverage tiers) which can be used towards your medical expenses.
Flexible Spending Accounts (FSAs)
- Health Care FSA contribution limits remain $3,050 per year.
- Dependent Care FSA contribution limit remains $5,000.
Voluntary Life Insurance
- Special Opportunity for Voluntary Life! Guaranteed Issue for employee and Spouse Voluntary Life Insurance was extended to 2024 and the amounts have increased!
- Employees may enroll in or increase their Voluntary Life up to the new guaranteed issue of $300,000.
- Spouse – employees may enroll in increase spouse coverage up to the new guaranteed issue $50,000
What’s Not Changing
We are excited to announce that the rates are remaining the same this year which is the second year in a row that we have had the same rates for employees!
| Benefit plan options | Employee | Employee + Spouse/DP |
Employee + Child(ren) |
Family |
|---|---|---|---|---|
| Dental High Plan | $10.32 | $29.62 | $35.46 | $55.20 |
| Dental Low Plan | $0.90 | $8.98 | $10.77 | $17.06 |
| Vision | $0.25 | $3.00 | $3.25 | $5.00 |
