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Medical
Teaching Strategies has partnered with Cigna, our health plan administrator, to
provide your family and you a broad access to high quality healthcare providers nationwide. The
cost of coverage is paid for by Teaching Strategies. Your medical plan covers a broad range of
healthcare services and supplies, including prescriptions, office visits and hospitalizations. Teach-
ing Strategies has designed an open access plan, meaning that you have the ability to choose
your providers and referrals are not required.
Depending upon the type of service, whether it be a routine office visit, a trip to the emergency
room, or any other medical service under the plan, your networks’ plan shares the cost of care with
you in different ways. Please see the below summary for specific plan details. Teaching Strategies
also offers a Health Savings Account (HSA) through CIGNA that offers tax advantages to employ-
ees for medical/Rx, vision and dental expenses. Keep in mind that employees cannot participate in
the medical Flexible Spending Account (FSA) if participating in the HSA plan.
Medical Benefits Description
Plan Design
Cigna
Cigna
Cigna
HMO
POS
HMO HSA
In-Network
In-Network
Out-of-Network
In-Network
Deductible:
- Single
$0
$300
$1,000
$2,000
- Family
$0
$600
$2,000
$4,000
Out of Pocket Maximum:
- Single
$2,500
$2,000
$4,000
$3,275
- Family
$5,000
$4,000
$8,000
$6,500
Coinsurance:
80%
100%
80%
100%
Office Visits:
- Preventive Care - Children (0-17 years)
Covered in full
Covered in full
20%
Covered in full
- Preventive Care Adult
Covered in full
Covered in full
Ded, then 20%
Covered in full
- Primary Care Physician (PCP)
$30 copay
$5 copay
Ded, then 20%
Ded; then 100%
- Specialist
$40 copay
$30 copay
Ded, then 20%
Ded; then 100%
- Lab and x-rays
20%
Deductible
Ded, then 20%
Ded; then 100%
Hospitalization:
- Inpatient
20%
Ded, then $300 copay
Ded, then 20%
Ded; then 100%
- Outpatient
20%
Deductible
Ded, then 20%
Ded; then 100%
- Urgent Care
$40 copay
$30 copay
Ded; then 100%
- Emergency Room (waived if admitted)
$100 copay
$200 copay
Ded; then 100%
Prescription Drugs:
- Generic
$5 copay
$10 copay
Ded; then $5 copay
- Brand
$25 copay
$25 copay
Ded, then $25 copay
- Brand Non-Formulary
$45 copay
$45 copay
Ded, then $45 copay