2025 Benefits Guide- updated 10-20 - Flipbook - Page 6
Medical
VELCO offers two health plan options: Cigna’s High Deductible Health Plan (HDP) and the Healthy
Engagement Plan (HEP). The following chart compares the HDP and HEP. For more detailed
information, please refer to the Summary Plan Description for each plan.
Cigna High Deductible Plan
(Coordinates with HSA)
Calendar Year
Deductible
Cigna Healthy Engagement Plan
In Network
Out Of Network
In Network
Out Of Network
Individual: $1,600
2-Person: $3,200
Family: $4,800
Individual: $2,400
2-Person: $4,800
Family: $7,250
Individual: $350
2-Person: $700
Family: $1,050
Individual: $600
2-Person: $1,200
Family: $1,800
(Collective Deductible)
(Collective Deductible)
Out-of-pocket
Maximum
Individual: $4,000
2-Person: $8,8000
Individual in a
family plan:
$9,200*
Family: $12,000
Individual: $6,000
Individual: $1,500 Individual: $3,000
2-Person: $12,000
2-Person: $3,000 2-Person: $6,000
Family: $9,000
Individual in a family Family: $4,500
plan: $9,200*
Family: $ 18,125
Preventive Care
Covered at 100%
Deductible, then
40%
Covered at 100% Deductible, then
30%
Primary Care
Specialty Care
Telehealth
Deductible, then
30%
Deductible, then
40%
20%
Deductible, then
30%
Emergency Room Deductible, then
30%
Urgent Care
Deductible, then
40%
Deductible, then
20%
Deductible, then
30%
Hospitalization
(in-patient &
out-patient)
Deductible, then
40%
Deductible, then
20%
Deductible, then
30%
Deductible, then
30%
(Stacked Deductible)
(Stacked Deductible)
*Individual Calculation:
Family members meet only their individual out-of-pocket and then their claims will be covered at
100%; if the family out-of-pocket has been met prior to their individual out-of-pocket being met,
claims will be paid at 100%.
