Nothing is more important than your and your family’s good health. Zovio recognizes that you have different needs when it comes to your medical plans. That’s why we provide you with plan choices that help you and your family achieve optimum health. We offer you the choice among three medical plan options.
Account Based Plan Options:
Need help deciding which plan is right for you?
To compare plans and out-of-pocket costs based on how you use health care, and for instructions and helpful tips to help you choose which medical plan may be right for you and your family, use the Cigna Easy Choice Tool during your enrollment period.
To get started, visit decisionsupport.cigna.com. You’ll use one of the access codes below to log in:
The help doesn’t stop at Open Enrollment! The Cigna Easy Choice Tool site is available for use the whole year. Feel free to come back if you have a qualifying life event and need to make benefit changes.
You can also call the Cigna Pre-Enrollment Line at 800.401.4041, 24 hours a day, 7 days a week. Learn more about mycigna.com, your post-enrollment health plan resource.
Finally, the Employee Benefits Service Center is available at 844.327.4343, Monday – Friday, 7:00 a.m. to 5:30 p.m. PT, or firstname.lastname@example.org.
View a side-by-side plan comparison.
What are Account-Based Plans?
What are Account Based Plans?
The Cigna Choice Fund medical plans pair a Consumer Driven Health Plan (CDHP) with an account to help pay for some of the costs of eligible health care expenses. You’ll be responsible for an annual deductible before the health plan begins to pay for certain eligible expenses. For the 1500 Copay Choice Fund HRA, some services require only a copay and don’t require you to meet the annual deductible first. Once your deductible is paid, you’ll pay a percentage of the cost (coinsurance) for your covered health care expenses. The account helps pay your coinsurance, prescription costs and your deductible.
The CDHP plans have a non-collective family deductible, which means that once an individual in a family has met the “individual in a family” deductible, covered expenses for that family member will be paid at the coinsurance level specified by the plan.
They also have a non-collective family out-of-pocket maximum (OOPM), which means that once an individual in a family has met the individual OOPM, their covered services will be paid in full.
Here’s how the Cigna Choice Fund CDHP Plans Work:
How the 1500 Copay Choice Fund HRA Plan Works:
How the 2500 Choice Fund HRA Plan Works:
* You do not need to meet the deductible before copay amount apply.
** Prescription drugs will be covered at the coinsurance rate but the cost will not apply toward the deductible.
Medical Plan Choices – Funding
Zovio funds your HRA based on the schedule below. You will receive the full amount listed below depending on when you enroll in the plan.
|Effective Date Range||7/1 – 9/30||10/1 – 12/31||1/1 – 3/31||4/1 – 6/30|
|Employee + dependent(s)||$1,500||$1,125||$750||$375|
How the 2000 Choice Fund HSA Plan Works:
* You pay 100% of prescription drug costs until the deductible is met. Prescription drug costs apply toward the deductible.
Medical Plan Choices – Funding
Zovio funds your HSA quarterly based on the schedule below. The amount you receive in your fund each quarter is prorated depending on when you enroll in the plan.
|Employee + dependent(s)||$375||$375||$375||$375|
Did you know that you could visit a convenience care clinic for routine care when your doctor isn’t available to see you? Learn more about services and locations.
It is important to be an informed consumer, especially with your prescription drug options. The Cigna medical plans include prescription drug coverage. With Cigna, you have access to more than 57,000 in-network pharmacies nationwide.
Save Money On Your Medications
You can save money by asking for generic drugs. The FDA requires that generic drugs have the same high quality, strength, purity, and stability as brand-name drugs. The next time you need a prescription, ask your doctor to prescribe a generic drug when it is available and appropriate.
Cigna 90 NowSM Program
This program makes it easier to fill the maintenance medications you take every day for ongoing health conditions, such as cholesterol, diabetes, birth control, thyroid issues or mental health care.
Retail Pharmacy, 30-day supply
Retail Pharmacy, 90-day supply
Home Delivery, 90-day supply
Choice Fund Plans – Free Generic Preventive Prescriptions!
Preventive medications are used for the prevention of conditions such as high blood pressure, high cholesterol, diabetes, asthma, osteoporosis, heart attack, stroke and prenatal nutrient deficiency. You may not have to pay a copay, a coinsurance and/or a deductible for preventive medications.
Retail Pharmacy & Mail Order Costs
|Cigna 1500 Copay Choice Fund HRA*||Cigna 2500 Choice Fund HRA*||Cigna 2000 Choice Fund HSA**|
|(Generic / Preferred Brand / Non-Preferred Brand)|
|30-day Retail||30% / 40% / 50%||30% / 40% / 50%||30% / 40% / 50%|
|90-day Mail-order||30% / 40% / 50%||30% / 40% / 50%||30% / 40% / 50%|
*Medical deductible DOES NOT apply
**Medical deductible DOES apply
Make the Most of Your Cigna Pharmacy Benefits
There’s no better way to protect your smile than with regular dental checkups. Your dental coverage, provided by Cigna, helps with the cost of many dental services, including orthodontia.
The Cigna Dental PPO dental plan is designed to allow you to receive care from any dentist you wish. Select a dentist or specialist from the in-network DPPO or DPPO Advantage list and pay less for covered services because in-network dentists have agreed to offer services at lower negotiated rates, approximately 35% off average area charges with DPPO Advantage and 15% with DPPO. And if you visit a network dentist, no claim forms are required!
If you utilize a non-network provider, these providers do not have contracted rates with Cigna and may have higher out-of-pocket costs than in-network providers.
If you are enrolled on one of the Cigna Choice Fund HRA plans – your HRA funds can be used for your Cigna dental expenses.
For a list of Cigna Core Providers, visit www.mycigna.com or call 800.244.6224.
The Cigna DPPO offers four in-network covered cleanings per year!
Zovio provides vision coverage through Cigna. Well-known retail chains such as Sears Optical, JC Penney Optical, Pearl Vision and Target Optical are part of Cigna’s extensive network.
To locate and select a provider, visit www.cigna.com or call Customer Service at 877.478.7557.
Contact the Employee Benefits Service Center at 844.327.4343 or email@example.com