Cigna Medical Plans

What Do I Need to Know to Enroll?

Choose a Heath Care plan for you and any dependents.

Enter your choice in Benefitsolver during your benefits enrollment event.

NortonLifelock offers three medical plans with Cigna:

Cigna Health Savings Account (HSA) Plan
Cigna Open Access Plus (OAP) plan
Cigna Open Access Plus (OAP) 500 Arizona plan

Get Help With Cigna One Guide

Need help understanding your medical plan or navigating the health care system? Let Cigna One Guide help. Cigna One Guide is your go-to resource for medical, pharmacy, and Employee Assistance Program information throughout the year.

A Cigna One Guide representative can help you:

Resolve health care issues
Save time and money
Get the most out of your plan
Find hospitals and health care providers in your plan’s network
Obtain cost estimates
Understand your bills

Medical Plan Benefits

In addition to Wellness Programs, Preventive Care, and Behavioral Health, all Cigna plans offer the following benefits.

Prescriptions
Fertility benefits through Progyny (review the Progyny Fertility Plan Overview, IVF Information, and Progyny Member Guide for more information)
MDLIVE phone- or web-based doctor visits
Autism Coverage
Gender Reassignment

Employee Cost Per Pay Period 2023 Comparison

Medical Plan	Employee	Employee + Spouse/DP	Employee + Child(ren)	Employee + Family
Cigna HSA	$30.92	$116.31	$66.00	$201.69
Cigna OAP	$51.23	$161.54	$107.54	$269.54
Cigna OAP 500 Arizona	$59.54	$146.31	$119.54	$212.77

Domestic Partner Imputed Income Rates

View the 2023 Plan Comparison Chart (pdf) for more details.

Deductibles and Out-of-Pocket Maximums

Your medical plan deductible is the amount you need to pay each year before the plan starts paying. This deductible will vary depending on your coverage level—whether you choose to elect coverage for yourself only or for yourself and your dependents.

The deductible must be satisfied each calendar year before the plan starts paying; however, when you visit an in-network provider, preventive care is paid at 100% and is not subject to the deductible.

The amount you pay for all covered expenses counts toward both the in-network and out-of-network deductibles. For example: if you have an in-network claim for $100 and an out-of-network claim for $150, you will have satisfied a total of $250 toward your deductible.

The Cigna plans treat deductibles differently:

Cigna HSA Plan

The Cigna HSA plan has a "collective" or "family" deductible, which means that all family members contribute toward the family deductible. The plan cannot pay an individual's claims until the total family deductible has been met, even if he or she has met the individual deductible. Keep in mind that NortonLifelock deposits a specific dollar amount into a Health Savings Account for employees enrolled in the HSA plan to "share" the cost of the total deductible.

The deductible is the same amount whether you are going in- or out-of-network. You have one deductible amount to meet regardless of whether the services were in- or out-of-network services. Medical (excluding preventive care), behavioral health, and pharmacy claims apply to the deductible.

Cigna OAP and OAP 500 Arizona Plans

The OAP plans have an "individual" deductible, meaning that after each family member meets his or her individual deductible, covered expenses for that family member will be paid based on the coinsurance level specified by the plan. Or, after the family deductible has been met, covered expenses for each eligible family member will be paid based on the coinsurance level specified by the plan.

The out-of-network deductible is higher than the in-network deductible. Any amount you satisfy toward your deductible will count toward both the in- and out-of-network deductibles; however, you will have a higher amount to satisfy out-of-network before the plan starts paying. Medical (excluding preventive care) and behavioral health claims apply to the deductible.

Out-of-Pocket Maximums

Each plan’s out-of-pocket maximum is the most you will pay during the plan year for covered medical services. Like deductibles, out-of-pocket maximums are treated differently, depending on the plan you enroll in.

Cigna HSA Plan

The Cigna HSA plan has a “family” out-of-pocket maximum. This means that all covered family members contribute toward the overall out-of-pocket maximum. If you are covering dependents on the plan, the individual out-of-pocket maximum does not apply. Medical, behavioral health, and pharmacy claims apply to the out-of-pocket maximum.

Cigna OAP and OAP 500 Arizona Plans

The OAP plans have an “individual” out-of-pocket maximum, meaning that after each family member meets his or her individual out-of-pocket maximum, any further eligible claims occurring during that plan year will be paid by the plan. All other covered family members will continue under the co-insurance/copay structure until the family out-of-pocket maximum is reached. Medical, behavioral health, and pharmacy claims apply to the out-of-pocket maximum.