Medical

Medical Plans

Medical coverage provides healthcare protection for you and your family. You can visit any provider, but in-network doctors offer the highest level of benefits and lower out-of-pocket costs.

Start with your needs

Choose the coverage that fits you

All four plans cover in-network preventive care at 100%. Compare provider access, predictable costs, out-of-network coverage, and the HSA opportunity before you enroll.

Find a provider Plan documents Plan contacts

Medical plan guide

Compare, connect, and get care

Open any category below. You can keep multiple sections open while comparing.

Choosing the right planCompare an HDHP, PPO, and HMO

Cigna HDHP

Consider it if you want

Nationwide access and no specialist referrals
Out-of-network coverage at a higher cost
An HSA with tax-free savings for current or future healthcare costs
A $750 individual or $1,500 dependent-tier annual Gong HSA contribution

Cigna PPO

Consider it if you want

Nationwide access and no specialist referrals
Out-of-network coverage at a higher cost
Lower deductibles than the HDHP
Copays for many common services

Kaiser HMO

Consider it if you want

Coverage in California or Hawaii
Lower, predictable out-of-pocket costs
One coordinated system for doctors, facilities, and pharmacy
A primary doctor to help manage your care

The Kaiser plans cover in-network care only. Before enrolling, confirm that Kaiser facilities and doctors are convenient for you. Cigna plans allow out-of-network care, but balance billing may apply.

Access CignaUse myCigna to manage your coverage

Create or sign in to your myCigna account to view, print, or send ID cards; find doctors and hospitals; compare care quality and patient reviews; track claims; estimate procedure costs; and chat with a representative.

Open myCigna Visit Cigna

Need help? Existing members can call Cigna OneGuide at (800) 244-6224. Before enrollment, call (888) 806-5042.

Access KaiserManage care through Kaiser Permanente

Sign in or register at kp.org to access your Kaiser coverage, choose or change a doctor, view your member ID card, schedule care, refill prescriptions, and use digital care options. Kaiser coordinates doctors, facilities, and pharmacy services in one system.

Open Kaiser

Kaiser Member Services: California (800) 464-4000 · Hawaii (800) 966-5955.

Find an in-network providerUse the correct network for your plan and location

Cigna

Visit cigna.com and choose Find a Doctor.
Select Employer or School, enter your location, and search by provider type, name, or facility.
Choose Continue as guest and confirm your location.
For all states except Utah, select Open Access Plus / Open Access Plus Tiered.
For Utah, select PPO / Choice Fund PPO.

Kaiser

Visit Kaiser's doctor and location search.
Choose your area, then select Search all doctors and facilities.
Enter your ZIP code and follow the prompts to narrow your search.

Search Cigna Search Kaiser

2026 plan details

Coverage and monthly costs

Expand each plan to compare deductibles, care, prescriptions, and your monthly contribution.

Cigna HDHPBenefits, prescriptions, and monthly cost

In-Network

Deductible (Individual / Family): $1,700 / $3,400
Out-of-Pocket Max (Individual / Family): $4,000 / $8,000
Preventive Care: $0
Primary Care Visit: 10% coinsurance after deductible
Specialist Visit: 10% coinsurance after deductible
Urgent Care: 10% coinsurance after deductible
Emergency Room: $250 copay + 10% coinsurance after deductible

Retail Rx (Up to 30-Day Supply) — In-Network

Generic: $10 after deductible
Preferred Brand: $35 after deductible
Non-Preferred Brand: $70 after deductible

Mail-Order Rx (Up to 90-Day Supply) — In-Network

Generic: $20 copay after deductible
Preferred Brand: $70 copay after deductible
Non-Preferred Brand: $140 copay after deductible

Out-of-Network

Deductible (Individual / Family): $4,500 / $8,400
Out-of-Pocket Max (Individual / Family): $10,500 / $15,000
Preventive Care: 30% coinsurance after deductible
Primary Care Visit: 30% coinsurance after deductible
Specialist Visit: 30% coinsurance after deductible
Urgent Care: 30% coinsurance after deductible
Emergency Room: $250 copay + 10% coinsurance after deductible
Retail & Mail-Order Rx: Not covered out-of-network

Video: How the Cigna HDHP works

Open on Vimeo

2026 Monthly Plan Cost

Employee Only: $0.00
Employee + Spouse: $257.00
Employee + Child(ren): $222.00
Employee + Family: $351.00

2027 Monthly Plan Cost

Employee Only: $0.00
Employee + Spouse: $295.00
Employee + Child(ren): $255.00
Employee + Family: $403.00

Cigna PPOBenefits, prescriptions, and monthly cost

In-Network

Deductible (Individual / Family): $500 / $1,000
Out-of-Pocket Max (Individual / Family): $4,000 / $8,000
Preventive Care: $0
Primary Care Visit: $25 copay
Specialist Visit: $25 copay
Urgent Care: $50 copay
Emergency Room: $250 copay + 10% coinsurance after deductible

Retail Rx (Up to 30-Day Supply) — In-Network

Generic: $15 copay
Preferred Brand: $35 copay
Non-Preferred Brand: $70 copay

Mail-Order Rx (Up to 90-Day Supply) — In-Network

Generic: $30 copay (deductible does not apply)
Preferred Brand: $70 copay (deductible does not apply)
Non-Preferred Brand: $140 copay (deductible does not apply)

Out-of-Network

Deductible (Individual / Family): $1,500 / $3,000
Out-of-Pocket Max (Individual / Family): $10,500 / $21,000
Preventive Care: 30% coinsurance after deductible
Primary Care Visit: 30% coinsurance after deductible
Specialist Visit: 30% coinsurance after deductible
Urgent Care: 30% coinsurance after deductible
Emergency Room: $250 copay + 10% coinsurance after deductible
Retail & Mail-Order Rx: Not covered out-of-network

2026 Monthly Plan Cost

Employee Only: $13.00
Employee + Spouse: $338.00
Employee + Child(ren): $294.00
Employee + Family: $459.00

2027 Monthly Plan Cost

Employee Only: $15.00
Employee + Spouse: $388.00
Employee + Child(ren): $337.00
Employee + Family: $527.00

Kaiser HMO (CA)Benefits, prescriptions, and monthly cost

In-Network Only

Deductible (Individual / Family): $0 / $0
Out-of-Pocket Max (Individual / Family): $1,500 / $3,000
Preventive Care: $0
Primary Care Visit: $20 copay
Specialist Visit: $35 copay
Urgent Care: $20 copay
Emergency Room: $100 copay (waived if admitted)

Retail Rx (Up to 30-Day Supply)

Generic: $10
Preferred Brand: $35
Specialty: 20% coinsurance with $150 max

Mail-Order Rx (Up to 90-Day Supply)

Generic: $20
Preferred Brand: $50

2026 Monthly Plan Cost

Employee Only: $14.00
Employee + Spouse: $326.00
Employee + Child(ren): $273.00
Employee + Family: $456.00

2027 Monthly Plan Cost

Employee Only: $15.00
Employee + Spouse: $338.00
Employee + Child(ren): $283.00
Employee + Family: $473.00

Kaiser HMO (HI)Benefits, prescriptions, and monthly cost

In-Network Only

Deductible (Individual / Family): $0 / $0
Out-of-Pocket Max (Individual / Family): $2,500 / $7,500
Preventive Care: $0
Primary Care Visit: $15 copay
Specialist Visit: $15 copay
Urgent Care: $15 copay
Emergency Room: $75 copay (waived if admitted)

Retail Rx (Up to 30-Day Supply)

Generic: $10
Preferred Brand: $35
Non-Preferred Brand: $35
Specialty: $200

Mail-Order Rx (Up to 90-Day Supply)

Generic: $20
Preferred Brand: $70
Non-Preferred Brand: $70
Specialty: Not covered

2026 Monthly Plan Cost

Employee Only: $13.00
Employee + Spouse: $314.00
Employee + Child(ren): $264.00
Employee + Family: $439.00

2027 Monthly Plan Cost

Employee Only: $13.00
Employee + Spouse: $314.00
Employee + Child(ren): $264.00
Employee + Family: $439.00