MEDICAL
Choose from three medical plan options, administered by CIGNA.
Roux Associates is thrilled to be able to offer three comprehensive medical plans to employees for the January 1, 2024 - December 31, 2024 plan year.
OAP HRA
If you enroll in this plan, you will have access to $1,000 (single), or $2,000 (family) in HRA funds provided by Roux. The funds can be used for qualified medical expenses that are applied to the deductible. When you take into consideration the employer-funded HRA, the net employee in-network deductible is $500 for single coverage or $1,000 for family coverage, and the net employee out-of-network deductible is $1,000 for single coverage or $2,000 for family coverage.
This Medical Plan offers the flexibility of receiving care from in-network and out-of-network providers. However, utilizing in-network providers will maximize your medical benefit.
OAP IN HRA
If you enroll in this plan, you will have access to $1,000 (single), or $2,000 (family) in HRA funds provided by Roux. The funds can be used for qualified medical expenses that are applied to the deductible. When you take into consideration the employer-funded HRA, the net employee deductible is $500 for single coverage or $1,000 for family coverage.
This Medical Plan does not offer any out-of-network coverage.
OAP HSA HDHP
This plan is the lowest costing plan option. If you enroll in this plan, you will have access to $500 (single), or $1,000 (family) in HSA funds provided by Roux (prorated based on hire date for new hires). The funds will be loaded onto member-specific debit cards and can be used for qualified healthcare expenses (medical, Rx, dental, vision). When you take into consideration the employer-funded HSA, the net employee deductible is $2,000 for single coverage, or $4,000 for family coverage. Please visit the spending accounts page for more information on the HSA.
This Medical Plan offers the flexibility of receiving care from in-network and out-of-network providers. However, utilizing in-network providers will maximize your medical benefit.
TELEHEALTH
Access to healthcare is now even easier with CIGNA TELEHEALTH
When your primary doctor isn't available, CIGNA's TELEHEALTH is available 24/7/365 for treatment of acute conditions.
Get an appointment scheduled in minutes.
Have a prescription sent directly to your local pharmacy, if appropriate.
Virtual care costs less than ER or urgent care visits, and maybe even less than an in-office visit to your primary care provider!
Cigna provides access to virtual care through national telehealth providers as part of your Medical/Rx plan. Whether you need care for a minor illness or injury, a board-certified doctor is available to help, 24/7/365 via video or phone, when and where it's convenient for you.
Conditions treated include:
- Allergies
- Bronchitis
- Cold/Flu
- Headaches/Migraines
- Eye/Ear Infections
- Rash/Skin Irritations
- Respiratory Infections
- Sinus Infections
- Stomachache/Diarrhea
- Urinary Tract Infections
- Many other conditions
Providers are solely responsible for any treatment provided to their patients. Video chat may not be available in all areas or with all providers. This service is separate from your health plan's network and may not be available in all areas. A Primary Care Provider referral is not required for this service. If you have a life threatening medical condition, call 911 or visit the nearest emergency room immediately.