Medical Plan Options
Choosing the Right Plan
Bishop's offers four medical plan designs through Cigna. The options allow you to choose the plan that best meets your needs, whether that means lower premiums, broader provider access, coordinated care, or the opportunity to save for future medical expenses.
"Select" Limited HMO
Participants have access to participating Cigna HMO providers. This plan does not offer coverage outside of this network.
Full HMO
Participants have access to the broad Cigna HMO network. This plan does not offer coverage outside of this network.
PPO Plan
The PPO Plan allows participants access to the broad Cigna PPO network of providers, as well as out-of-network providers.
HDHP with HSA
The High Deductible Health Plan (HDHP) allows participants access to the broad Cigna PPO network of providers, as well as out-of-network providers. This plan is also compatible with a health savings account (HSA).
Cigna "Select" Limited HMO
| Benefit | In-Network |
|---|---|
| Deductible | |
| Individual | None |
| Family | None |
| Out-of-Pocket Max | |
| Individual | $2,000 |
| Family | $4,000 |
| Primary Care | $30 Copay |
| Specialist Care | $50 Copay |
| Preventive Care | No Charge |
| Inpatient Hospital | $750 Copay/admit |
| Outpatient Surgery | $500 Copay |
| Advanced Imaging | No Charge |
| X-ray | No Charge |
| Urgent Care | $30 Copay |
| Emergency Room | $200 Copay |
| Prescription Drugs | |
| Tier 1 | $15 Copay |
| Tier 2 | $40 Copay |
| Tier 3 | $60 Copay |
| Tier 4 | $100 Copay |
Cigna Full HMO
| Benefit | In-Network |
|---|---|
| Deductible | |
| Individual | None |
| Family | None |
| Out-of-Pocket Max | |
| Individual | $2,000 |
| Family | $4,000 |
| Primary Care | $30 Copay |
| Specialist Care | $50 Copay |
| Preventive Care | No Charge |
| Inpatient Hospital | $750 Copay/ admit |
| Outpatient Surgery | $500 Copay |
| Advanced Imaging | No Charge |
| X-ray | No Charge |
| Urgent Care | $30 Copay |
| Emergency Room | $200 Copay |
| Prescription Drugs | |
| Tier 1 | $15 Copay |
| Tier 2 | $40 Copay |
| Tier 3 | $60 Copay |
| Tier 4 | $100 Copay |
Cigna Open Access Plus
PPO
| Benefit | In-Network | Out-of-Network |
|---|---|---|
| Annual Deductible | ||
| Individual | $1,500 | $2,000 |
| Family | $3,000 | $4,000 |
| Out-of-Pocket Max | ||
| Individual | $3,000 | $6,000 |
| Family | $6,000 | $12,000 |
| Primary Care | $30 Copay | 40%* |
| Specialist Care | $50 Copay | 40%* |
| Preventive Care | No Charge | 40%* |
| Inpatient Hospital | $750 Copay/admit + 20%* | $1,500 copay + 40%* |
| Outpatient Surgery | $500 Copay + 20%* | $1,000 copay + 40%* |
| Advanced Imaging | 20%* | 40%* |
| X-ray | 20%* | 40%* |
| Urgent Care | $25 Copay | 40%* |
| Emergency Room | 20%* | 20% |
| Prescription Drugs | ||
| Tier 1 | $25 Copay | Not covered |
| Tier 2 | $40 Copay | Not covered |
| Tier 3 | $60 Copay | Not covered |
| Tier 4 | $100 Copay | Not covered |
*Amount you pay after deductible has been met
Cigna Open Access Plus
HDHP
| Benefit | In-Network | Out-of-Network |
|---|---|---|
| Annual Deductible | ||
| Individual | $3,000 | $5,000 |
| Family | $3,400 Individual $6,000 Family | $6,800 Individual 10,000 Family |
| Out-of-Pocket Max | ||
| Individual | $4,500 | $8,000 |
| Family | $4,500 Individual $8,000 Family | $8,000 Individual $14,500 Family |
| Primary Care | $30 Copay* | 40%* |
| Specialist Care | $50 Copay* | 40%* |
| Preventive Care | No Charge | 40%* |
| Inpatient Hospital | $750 Copay/admit + 20%* | $1,500 copay + 40%* |
| Outpatient Surgery | $500 Copay + 20%* | $1,000 copay + 40%* |
| Advanced Imaging | 20%* | 40%* |
| X-ray | 20%* | 40%* |
| Urgent Care | $25 Copay* | 40%* |
| Emergency Room | 20%* | 20%* |
| Tier 1 | $25 Copay* | Not covered |
| Tier 2 | $40 Copay* | Not covered |
| Tier 3 | $60 Copay* | Not covered |
| Tier 4 | $100 Copay* | Not covered |
*Amount you pay after deductible has been met
