MEDICAL
Help USA offers its medical and prescription drug plans through Cigna.
You have access to the Base, Low, and Mid Plans through Cigna.
Please see below for more information regarding each medical plan option.
OPTION 1: BASE PLAN
The Base Plan only covers in-network services. This plan has a $3,000 single deductible and a $6,000 family deductible. You will be responsible for out-of-pocket expenses until this full deductible is met. Once the deductible is satisfied, coinsurance kicks in at 60%, meaning Cigna will pay 60% of the covered service, whereas you will be responsible for the remaining 40%. This cost-sharing arrangement will be in place until the out-of-pocket maximum is achieved ($7,500 single / $15,000 family). Once the out-of-pocket maximum is satisfied, coverage kicks in at 100% across the board for the remainder of the plan year. Please note that this plan is embedded, meaning when a family member meets their individual deductible or out-of-pocket maximum before the family deductible or out-of-pocket maximum is met, coverage will kick in for that member only.
Office visits are subject to copays. For example, under this plan option, a Primary Care Physician and Specialist visit are subject to a $40 copay per visit (does not apply to deductible). As for urgent care visits, there is a $30 copay per visit. For 2024, emergency room visits will now be subject to the deductible and coinsurance.
OPTION 2: LOW PLAN
The Low Plan only covers in-network services. This plan has a $1,500 single deductible and a $3,000 family deductible. You will be responsible for out-of-pocket expenses until this full deductible is met. Once the deductible is satisfied, coinsurance kicks in at 80%, meaning Cigna will pay 80% of the covered service, whereas you will be responsible for the remaining 20%. This cost-sharing arrangement will be in place until the out-of-pocket maximum is achieved ($7,000 single / $14,000 family). Once the out-of-pocket maximum is satisfied, coverage kicks in at 100% across the board for the remainder of the plan year. Please note that this plan is embedded, meaning when a family member meets their individual deductible or out-of-pocket maximum before the family deductible or out-of-pocket maximum is met, coverage will kick in for that member only.
Office visits are subject to copays. For example, under this plan option, a Primary Care Physician and Specialist visit are a $45 copay per visit (does not apply to deductible). As for urgent care visits, there is a $35 copay per visit. For 2024, emergency room visits will now be subject to the deductible and coinsurance.
OPTION 3: MID PLAN
The Mid Plan only covers in-network services. This plan has a $500 single deductible and a $1,000 family deductible. You will be responsible for out-of-pocket expenses until this full deductible is met. Once the deductible is satisfied, coinsurance kicks in at 100%, meaning Cigna will pay 100% of covered medical services. Please note that this plan is embedded, meaning when a family member meets their individual deductible or out-of-pocket maximum before the family deductible or out-of-pocket maximum is met, coverage will kick in for that member only.
Office visits are subject to copays. For example, under this plan option, a Primary Care Physician and Specialist visit are a $45 copay per visit (does not apply to deductible). Similarly, urgent care visits are a $40 copay.
TO LEARN MORE ABOUT HELP USA'S MEDICAL PLANS
If you find yourself needing assistance in determining which plan is best for your needs, contact The Graham Company. The Graham Company can help review each medical plan option with you, and help determine which plan is best for you and your family!
The Graham Company 1.888.842.1488.
Preventive Care
In-network preventive services are available at no cost to employees through your Cigna medical plan. Preventive care helps identify health problems when they are most treatable and before they become serious. Your doctor is able to provide proactive care and treatment when medical problems and illnesses are detected early through routine visits. The goal of preventive care is to help keep you as healthy as possible along with being mindful of your own health. These covered services may consist of flu shots, immunizations, annual physicals, certain tests, and screenings.
Cigna Portal Registration
There are many tools and resources available on the Cigna portal to help manage your health spending as a Cigna member. You can manage and track your claims, locate in-network doctors, hospitals, and medical services, view cost estimates for medical procedures, compare quality of care information for providers, and more. Please view the information linked below for step-by-step instructions on how to register online or through the app.
TELEHEALTH
Access to healthcare is now even easier with MDLIVE
When your primary doctor isn't available, MDLIVE is available 24/7/365 for treatment of acute conditions
Avoid the doctor office wait!
Consult with a board-certified doctor, dermatologist, counselor, or psychiatrist by phone, secure video, or mobile app - anytime from anywhere using telemedicine.
With MDLive, the average wait time is less than 10 minutes and the cost is comparable to seeing your doctor - often less! Physicians can treat a wide range of non-emergency conditions, such as:
The MDLIVE Mobile App is available for Apple and Android devices and gives you access to a board-certified doctor at any time of day.
- Respiratory Infections
- Sinus Infections
- Stomachache/Diarrhea
- Urinary Tract Infections
- Many other conditions
Call 1.888.956.6411, download the MDLIVE mobile app or visit MDLIVE to video chat.
