Medical Coverage

Medical Coverage

You have access to two medical plan options: the Cigna HSA Bronze Open Access Plus with HSA and the Cigna Basic Open Access Plus with HSA Plan. Choose in-network providers for the lowest out-of-pocket costs. The Open Access Plan (OAP) provides comprehensive healthcare coverage with set copayments, deductibles, and premiums, while an OAP plan with an HSA combines a high-deductible health plan with a tax-advantaged savings account. The key distinction lies in the HSA, which allows you to save money tax-free for medical expenses. OAP plans offer more predictable costs, while OAP plans with an HSA offer potential long-term savings and tax benefits. If you enroll in an OAP with HSA plan, Millennium will contribute to your HSA, as shown below.

Telehealth Connection: Zero Cost @MDLive

We have partnered with MDLive to provide Cigna medical plan members and their loved ones a safe and convenient alternative to doctor’s office visits. Our medical plans include coverage for telehealth visits through MDLive at no cost to you. 

Whether you’re wondering about your child’s rash, struggling with cold or flu symptoms, or need a refill on a medication, you’ll find quick, convenient care 24/7 from the U.S. board-certified practitioners at MDLive.

Reach out via phone or video chat to MDLive for non-emergency conditions such as:

  • Asthma
  • Allergies
  • Rashes
  • Cold, flu symptoms
  • Lab tests
  • Prescriptions
  • Mental health care
  • And more!

Telehealth services through MDLive are provided at no cost to you.

Visit mycigna.com and click Talk to a Doctor to see your cost of care and start your visit.

 
Plan Features Cigna HSA Bronze Open Access Plus with HSA Cigna Basic Open Access Plus with HSA
In-Network Out-of-Network In-Network Out-of-Network
MH Annual HSA Contribution Individual/Family $350/$700 $750/$1,500
Deductible Individual Individual in a Family Family $7,500 $7,500 $15,000 $10,000 $10,000 $15,000 $4,500 $4,500 $9,000 $9,000 $9,000 $18,000
Out-of-Pocket Maximum Individual Individual in a Family Family $7,500 $7,500 $15,000 $15,000 $15,000 $30,000 $8,000 $8,000 $16,000 $16,000 $16,000 $32,000
You pay: You pay:
Preventive Care Covered in full 50% after deductible Covered in full 50% After deductible
Primary Care Visit 30% after deductible 50% after deductible 30% after deductible 50% after deductible
Specialist Visit 30% after deductible 50% after deductible 30% after deductible 50% after deductible
Telehealth Visit (MDLIVE) $0 Not covered $0 Not covered
X-ray and Lab 30% after deductible 50% after deductible 30% after deductible 50% after deductible
Hospitalization 30% after deductible 50% after deductible 30% after deductible 50% after deductible
Outpatient Surgery 30% after deductible 50% after deductible 30% after deductible 50% after deductible
Urgent Care 30% after deductible 50% after deductible 30% after deductible 50% after deductible
Emergency Room 30% after deductible 30% after deductible 30% after deductible 30% after deductible
Acupuncture (20/days/calendar year) [Need info] [Need info] [Need info] [Need info]
Please note: For residents of TX, OK, and MO, limited medical plan options are available. For more information, please contact Benefits@MillenniumHealth.com.
Cigna Bronze
Open Access Plus with HSA
Cigna Basic
Open Access Plus with HSA
Employee Only$88.43$129.07
Employee + Spouse/DP$378.49$467.09
Employee + Child(ren)$282.62$355.38
Employee + Family$597.27$722.04

Note: Adding a domestic partner (or their dependents) to your benefits may result in imputed income, which is taxable if your partner does not qualify as your IRS tax dependent. Please consult your tax advisor for details.

Both medical plan options come with prescription drug coverage. Save money by utilizing generic and mail order options. Learn more about how your prescriptions are covered here.

Plan FeaturesCigna HSA Bronze
Open Access Plus with HSA
Cigna Basic
Open Access Plus with HSA
In-NetworkOut-of-NetworkIn-NetworkOut-of-Network
Retail (30-day supply)
Generic$15 after deductibleNot covered$15 after deductibleNot covered
Brand Name$35 after deductibleNot covered$35 after deductibleNot covered
Non-Formulary$60 after deductibleNot covered$60 after deductibleNot covered
Specialty30% up to $200 after deductibleNot covered30% up to $200 after deductibleNot covered
Mail Order (90-day supply)
Generic$30 after deductibleNot covered$30 after deductibleNot covered
Brand Name$70 after deductibleNot covered$70 after deductibleNot covered
Non-Formulary$120 after deductibleNot covered$120 after deductibleNot covered
Specialty30% up to $200 after deductibleNot covered30% up to $200 after deductibleNot covered

Annual medical and dental checkups help you stay healthy. Take care of yourself and your family by using your FREE in-network preventive care benefits each year! Preventive care visits allow you to act early and keep treatable health issues from becoming chronic conditions.

Call your doctor and dentist to schedule your FREE annual checkup TODAY! You can also schedule your annual medical visit through MDLive.

Need to find a doctor? Go to www.mycigna.com or call (800) 244-6224.

Cigna One Guide is here to guide you and your family through the complexities of the healthcare system.

The Cigna One Guide service provides personalized assistance to help you:

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

Help is quick phone call away. Reach out to (888) 806-5042 for support.

Millennium Health has partnered with Cigna and the MotivateMe campaign to help you create positive health behaviors and be rewarded for them. Employees can earn up to $500 in rewards by completing health improvement activities and annual preventive care screenings called “goals.” Spouses and domestic partners enrolled in one of our Cigna medical plans will also be able to earn $500 in rewards, for a total of up to $1,000 annually!

To view all incentives, visit www.mycigna.com, click on Wellness, and then Incentive Awards.

Don’t Miss Your MotivateMe Reward!

When you utilize free preventive care, you can earn gift cards through MovitateMe.

GoalsValueIncentiveEmployee/SpouseTiming
Health Assessment$50Gift CardEmployee1/1/2026 –12/31/2026
Biometric Screening$100Gift CardEmployee1/1/2026 –12/31/2026
Preventive Care Well Visit$150Gift CardEmployee/Spouse1/1/2026 –12/31/2026
Preventive Care Cancer Screenings$300Gift CardEmployee/Spouse1/1/2026 –12/31/2026
Omada-5% Weight Loss$300Gift CardEmployee1/1/2026 –12/31/2026
Complete a Goal with a Health Coach$100Gift CardEmployee1/1/2026 –12/31/2026