Consider Coverage Options
Consider which coverage option under the Medical Plan best fits your anticipated health care needs. You have three national options to choose from administered by Cigna or UnitedHealthcare.* Each coverage option provides access to the Plan administrator’s network of health care providers and services – but each is priced differently, offering you more choice and flexibility:
- Option A has the highest paycheck contributions and the lowest annual deductible and out-of-pocket maximum.
- Option B has moderate paycheck contributions and a moderate annual deductible and out-of-pocket maximum.
- Option C, consumer-driven health coverage, has the lowest paycheck contributions and the highest annual deductible and out-of-pocket maximum. Unique to Option C, you can open a Health Savings Account (HSA), which has a variety of tax advantages and investment options. Funding an HSA, through payroll deductions or lump-sum contributions, can help offset the higher deductible.
Employees in California may also choose medical coverage through Kaiser. Employees in Hawaii may elect coverage only from Kaiser or HMSA (UnitedHealthcare and Cigna are not available). Eligible US employees with international assignments may also elect coverage from the Cigna Global Health Medical Plan.