Medical
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 by charging reduced, contracted rates. Out-of-network providers set their own fees, so you may be responsible for charges above the Reasonable and Customary (R&C) limits. Preventive care—such as physical exams, flu shots, and screenings—is covered at 100% when you use in-network providers. The main differences between plan options are how much you pay per paycheck and what you pay when you receive care.
Each plan has different:
- Annual deductible amounts – the amount you pay each year for eligible in-network and out-of-network charges before the plan begins to pay.
- Out-of-pocket maximums– the most you will pay each year for eligible network services and/or prescriptions. After you reach your out-of-pocket maximum, the plan picks up the full cost of covered medical care for the remainder of the year.
- Copays – A copay is a fixed amount you pay for a health care service. Copays do not count toward your deductible but do count toward your annual out-of-pocket maximum.
- Coinsurance – Once you’ve met your deductible, you and the plan share the cost of care, which is called coinsurance. For example, you pay 20% for services and the plan will pay 80% of the cost until you have reached your out-of-pocket maximum.
Kaiser HMO
Closed to new participants as of 1/1/2026
Benefit Highlights
In-Network Only
Deductible (Individual/Family)
$0/$0
Out-of-Pocket Max (Individual/Family)
$1,500 per individual, up to $3,000 per family
Preventive Care
$0
Primary Care Visit
$20 copay
Specialist Visit
$20 copay
Urgent Care
$20 copay
Emergency Room
$100 copay (copay waived if admitted)
Retail Rx (Up to 30-Day Supply)
Generic
$15 copay
Preferred Brand
$35 copay
Non-Preferred Brand
$35 copay
Specialty
30% coinsurance $200 copay
Mail-Order Rx (Up to 90-Day Supply)
Generic
$30 copay
Preferred Brand
$70 copay
Non-Preferred Brand
$70 copay
Specialty
30% coinsurance $200 copay
Per-Pay-Period Plan Cost
Employee Only: $65.00
Employee and Spouse/DP: $298.00
Employee and Child(ren): $259.00
Employee and Family: $459.00
Cigna PPO 2000
Benefit Highlights
In-Network
Deductible (Individual/Family)
$2,000 per individual, up to $4,000 per family
Out-of-Pocket Max (Individual/Family)
$5,000 per individual, up to $10,000 per family
Preventive Care
$0
Primary Care Visit
$30 copay
Specialist Visit
$60 copay
Urgent Care
$50 copay
Emergency Room
20% after deductible
Retail Rx (Up to 31-Day Supply)
Generic
$10 copay
Preferred Brand
$35 copay
Non-Preferred Brand
$70 copay
Specialty
Not covered
Mail-Order Rx (Up to 90-Day Supply)
Generic
$25 copay
Preferred Brand
$88 copay
Non-Preferred Brand
$175 copay
Specialty
Not covered
Out-of-Network
Deductible (Individual/Family)
$6,000 per individual, up to $12,000 per family
Out-of-Pocket Max (Individual/Family)
$15,000 per individual, up to $30,000 per family
Preventive Care
50% after deductible
Primary Care Visit
50% after deductible
Specialist Visit
50% after deductible
Urgent Care
50% after deductible
Emergency Room
20% after in-network deductible
Retail Rx (Up to 31-Day Supply)
Generic
$10 copay
Preferred Brand
$35 copay
Non-Preferred Brand
$70 copay
Specialty
Not covered
Mail-Order Rx (Up to 90-Day Supply)
Generic
Not covered
Preferred Brand
Not covered
Non-Preferred Brand
Not covered
Specialty
Not covered
Per-Pay-Period Plan Cost
Employee Only: $21.00
Employee and Spouse/DP: $118.00
Employee and Child(ren): $100.00
Employee and Family: $153.00
Cigna PPO 1000
Benefit Highlights
In-Network
Deductible (Individual/Family)
$1,000 per individual, up to $2,000 per family
Out-of-Pocket Max (Individual/Family)
$4,000 per individual, up to $8,000 per family
Preventive Care
$0
Primary Care Visit
$25 copay
Specialist Visit
$50 copay
Urgent Care
$50 copay
Emergency Room
20% after deductible
Retail Rx (Up to 31-Day Supply)
Generic
$10 copay
Preferred Brand
$35 copay
Non-Preferred Brand
$70 copay
Specialty
Not covered
Mail-Order Rx (Up to 90-Day Supply)
Generic
$25 copay
Preferred Brand
$88 copay
Non-Preferred Brand
$175 copay
Specialty
Not covered
Out-of-Network
Deductible (Individual/Family)
$3,000 per individual, up to $6,000 per family
Out-of-Pocket Max (Individual/Family)
$12,000 per individual, up to $24,000 per family
Preventive Care
50% after deductible
Primary Care Visit
50% after deductible
Specialist Visit
50% after deductible
Urgent Care
50% after deductible
Emergency Room
20% after in-network deductible
Retail Rx (Up to 31-Day Supply)
Generic
$10 copay
Preferred Brand
$35 copay
Non-Preferred Brand
$70 copay
Specialty
Not covered
Mail-Order Rx (Up to 90-Day Supply)
Generic
Not covered
Preferred Brand
Not covered
Non-Preferred Brand
Not covered
Specialty
Not covered
Per-Pay-Period Plan Cost
Employee Only: $54.00
Employee and Spouse/DP: $311.00
Employee and Child(ren): $251.00
Employee and Family: $496.00
Cigna HDHP
Benefit Highlights
In-Network
Deductible (Individual/Family)
$3,000/$6,000
Out-of-Pocket Max (Individual/Family)
$3,400/$6,800
Preventive Care
$0
Primary Care Visit
20% after deductible
Specialist Visit
20% after deductible
Urgent Care
20% after deductible
Emergency Room
20% after deductible
Retail Rx (Up to 30-Day Supply)
Generic
$10 copay
Preferred Brand
$35 copay
Non-Preferred Brand
$70 copay
Specialty
20% but not more than $250/prescription
Retail/Mail-Order Rx (Up to 90-Day Supply)
Generic
$30 copay
Preferred Brand
$105 copay
Non-Preferred Brand
$210 copay
Specialty
20% but not more than $250/per prescription (retail) or $750/prescription (mail-order)
Out-of-Network
Deductible (Individual/Family)
$6,000/$12,000
Out-of-Pocket Max (Individual/Family)
$6,800/$13,600
Preventive Care
50% after deductible
Primary Care Visit
50% after deductible
Specialist Visit
50% after deductible
Urgent Care
50% after deductible
Emergency Room
20% after deductible
Retail Rx (Up to 30-Day Supply)
Generic
Not covered
Preferred Brand
Not covered
Non-Preferred Brand
Not covered
Specialty
Not covered
Retail/Mail-Order Rx (Up to 90-Day Supply)
Generic
Not covered
Preferred Brand
Not covered
Non-Preferred Brand
Not covered
Specialty
Not covered
Per-Pay-Period Plan Cost
Employee Only: $12.00
Employee and Spouse/DP: $109.00
Employee and Child(ren): $92.00
Employee and Family: $140.00