EPISD Self-Funded Health Plan Administered by Cigna
As a District of Innovation (DOI), and in accordance with the amendment to the Local Innovation Plan, Administration has designed an alternative self-funded group health plan, hereafter referred to as Cigna, first becoming effective September 1, 2019. The Cigna plan is offered in addition to the TRS Active Care Health Plan without opting out of the program.
Great benefits offered to those that choose the CIGNA plan include:
Cigna utilizes a National Network of Providers as well as providing Out-of-Network coverage and lower out of pocket expenses for employees in most benefit coverages areas.
Cigna provides 24/7 Customer Service 365 days a year to include a pre-enrollment guide to assist you with any questions you may have concerning medical coverage, pharmacy benefits, and your HSA.
Employees can access the Cigna One Guide at 1-800-244-6224 which can be found on the back of your Cigna ID card. Additional resources are located at myCigna.com to include viewing your benefits, formulary, and claim history, and to get a price on a new medication as well as cost-saving alternatives (if available)
Preventive Care is Holistic in nature in that it provides both a Well Woman Exam and a Complete Physical covered at 100%.
Preventive Care is Holistic in nature in that it provides both a Well Woman exam and a Complete Physical covered at 100%. This is especially important to EPISD since many of our employees are women.
Consumer Driven Health Plan Option:
Cigna CDHP (High Deductible) is still $0 for Employee Only coverage.
If you enroll for the Cigna CDHP and choose the Health Savings Account (HSA) EPISD will contribute up to $300 towards your HSA even if you choose not to contribute yourself. Contributions may vary from year to year.
Cigna High Deductible Option provides 100% coverage after the out of pocket is met.
Virtual appointments are covered 100% after out of pocket with MD Live.
Traditional PPO Health Plan Option:
Co-pays for Specialist office visits are lower than TRS ActiveCare Plan Options.
Rx copayments are less with the Cigna Traditional PPO Option.
Using the 90Now program through CIGNA will save you money for maintenance medicines that you take every day.
Virtual appointments are covered 100% with no co-pay at MD Live.
Annual Vision exam is covered at 100% through participating Ophthalmologist.
Use the Cost Comparison Tool to see how EPISD and Cigna are working together to benefit you and your family!