High Deductible Health Plan (HDHP) with Health Savings Account (HSA)

The HDHP with HSA plan is a medical insurance plan option for LCPS employees. This plan will have the lowest monthly premium of the 3 plans offered. Enrollment comes with a Prescription Plan, a Health Savings Account providing an annual contribution of $1,000 for employee only (Individual) and $2,000 for employee plus one or more dependent (Family) and a $5,000 Critical Insurance policy.  

Note: Employees covered by Medicare, Tricare or another non-HDHP health plan such as a spouse's plan,  are not eligible for an HSA and may opt for an HDHP without HSA by contacting Employee Health, Wellness and Benefits.

Deductible: $1,600 Individual/$3,200 Family 

Employer Funded HSA: $1,000 Individual/$2,000 Family 

Coinsurance: 10% after in-network deductible

Out of Pocket Maximum: $6,000 Individual/$12,000 Family

PCP/Specialist Office Visit: 10% after in-network deductible

Preventive Exams: Covered 100%

Emergency Room: 10% after in-network deductible

Urgent Care: 10% after in-network deductible 

This table shows the different phases of the HDHP Plan.

Important Information about the High Deductible Plan with Health Savings Account

Deductible:  

With an HDHP plan, there is an annual deductible that must first be met before the medical or prescription plan will pay a portion of the cost. Both medical and prescription costs go toward the annual deductible.  

The exception to this is preventive medical care which is not subject to deductible and covered at 100% at in-network providers, and preventive medications on the LCPS HDHP Preventive Medications List, which are assigned a copay and not subject to deductible. 

The annual deductible for HDHP is $1,600 for employee only (Individual) coverage and $3,200 for employee plus one or more dependent (Family). 

To help offset this deductible, LCPS will contribute $1,000 (employee only coverage) or $2,000 (employee plus one or more dependent), into a Health Savings Account, in your name. This account is your account and the funds can be used to pay your out-of-pocket medical and prescription costs while you are in the deductible phase. You can also contribute additional money into your HSA, on a pre-tax basis, to save for any additional out-of-pocket expenses (not to exceed the IRS limit for employee + employer contributions). All HSA funds can be used for qualifying medical and prescription expenses and also for qualifying dental and vision expenses.  

Click here for more information about the Health Savings Accounts (HSA)The network for the HDHP is the same as the network for the current Cigna OAP plan. If you use a participating Cigna provider, you will receive the Cigna discounted rate on your services. The same applies for your prescriptions. Express Scripts (ESI) will be the prescription plan provider for the HDHP. When you fill your prescription at an ESI participating pharmacy or through the mail order program, you will get the ESI discounted price on the prescription. 

Coinsurance: 

If you reach the annual deductible on the plan, you will then move into the coinsurance phase where the plan will pay a majority of the cost (90% for medical and 90%/80%/70% for prescriptions). You will continue to receive the plan's negotiated discounted rate if you are visiting in-network providers and facilities.

Out-of-Pocket Maximum:

There is an out-of-pocket maximum on this plan. If your medical and/or prescription deductible and coinsurance costs reach the out-of-pocket maximum, your medical and/or prescription expenses will then be covered at 100% for the remainder of that plan year. The out-of-pocket maximum for an individual is $6,000 and the maximum for the family is $12,000.
Critical Illness Policy:

If you enroll in the HDHP plan, you are provided with a $5,000 Critical Illness (CI) Policy for yourself, paid for by LCPS. You can also choose to purchase a CI policy for your spouse and/or dependent children – or purchase up to $25,000 in additional coverage for yourself. Premiums for additional coverage will be paid for by you. 

Click here for more information about the Critical Illness Policy 

Information, Forms and Resources

Cigna Contact Information

Member Services:

1-800-244-6224

Website:

www.myCigna.com

General Website:

www.Cigna.com

Behavioral Health:

1-800-533-8733

Durable Medical Equipment/Home Healthcare (EviCore): 
Healthcare Providers Call 1-800-298-4806 or fax 888-444-1027

Hearing and Hearing Aid Benefits - Amplifon
1-888-669-2175

24 Hour Nurse Line: 1-800-564-8982

Personal Health Team: 1-877-459-6150

Cigna Claims Addresses

Medical Claims
Cigna Healthcare
PO Box 182223
Chattanooga, TN 37422-7223

Mental Health Claims
Cigna Behavioral Health
PO Box 46279
Eden Prairie, MN 55344

Medical Vision Claims
Allied Eye Care
3290 Pine Orchard Lane
Suite D
Ellicot City, MD 21042

Chiropractic Claims
American Specialty Health Network
PO Box 509077
San Diego, CA 92150-9077