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.
Employee Cost Per Pay Period 2022 Comparison
|Medical Plan||Employee||Employee + Spouse/DP||Employee + Child(ren)||Employee + Family|
|Cigna OAP 500 Arizona||$58.15||$142.15||$116.31||$207.23|
View the 2022 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.
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.
Cigna Transition of Care
For specific medical and behavioral conditions, you may be able to continue to receive services at in-network coverage levels through health care providers who aren’t in the Cigna network. This care is for a defined period of time until the safe transfer of care to an in-network provider or facility can be arranged. You must apply for Transition of Care at enrollment, or when there is a change in your medical plan, and no later than 30 days after the effective date of your coverage (i.e., by January 31, 2022, for coverage starting January 1, 2022). Use this Transition of Care request form.