We’re proud to offer you the following medical plan choices, designed to help you and your family get the care you need. Find an in-network provider at cigna.com > Find a Doctor, Dentist, or Facility.
The High Deductible Health Plan offers health coverage with the ability to choose to visit in-network or out-of-network providers. You must satisfy the annual deductible before the carrier will begin paying toward your medical services. When you enroll in an HDHP, you may be eligible to enroll in a Health Savings Account (HSA) which allows you to pay for certain medical expenses with tax-free money. For HDHP enrollees, Cabarrus Country will contribute up to $1,000 annually to your HSA.
The OAP plan offers the flexibility to choose an in-network or out-of-network (out-of-network will be a higher cost if used) provider each time you need care. You may visit your Primary Care Physician or seek virtual care for a copay.
| Plan Features | Cigna HDHP | Cigna OAP |
|---|---|---|
| In-Network* | In-Network* | |
| Annual Deductible Individual / Family |
$1,600 / $3,200** | $750 / $1,500*** |
| Annual Out-of-Pocket Maximum Individual / Family |
$3,500 / $5,000 | $4,000 / $8,000 |
| Cabarrus County Annual HSA Contribution | $1,000 | N/A |
| You pay: | You pay: | |
| Preventive Care Visit | Covered in full | Covered in full |
| Virtual Care Visit | 20% after deductible | $25 copay |
| Primary Care Visit | 20% after deductible | $25 copay |
| Specialist Visit | 20% after deductible | $38 copay |
| Lab & X-ray | 20% after deductible | 20% after deductible |
| Urgent Care | 20% after deductible | 20% after deductible |
| Emergency Room | 20% after deductible | $200 copay |
| Inpatient/Outpatient Hospital Services | 20% after deductible | 20% after deductible |
| Prescription Drugs: Retail (Up to a 30-day supply) | ||
| Generic | 20% after deductible | $10 copay |
| Preferred Brand | $30 copay | |
| Non-Preferred Brand | $50 copay | |
| Specialty | 25% ($50 min/$100 max) | |
| Prescription Drugs: Mail Order (Up to a 90-day supply) | ||
| Generic | 20% after deductible | $20 copay |
| Preferred Brand | $60 copay | |
| Non-Preferred Brand | $100 copay | |
| Specialty | 25% ($100 min/$200 max) | |
*In-network benefits shown. Out-of-network benefits available. See plan document for details.
**A Non-Embedded Deductible means the entire family deductible must be met before the plan begins to pay, even if only one family member has medical costs.
***An Embedded Deductible means only a single member of a family needs to meet the individual deductible before coinsurance begins; the entire family deductible does not need to be met.
Annual checkups help you stay healthy. Take care of yourself and your family by using your FREE in-network preventive care benefits each year! Preventive care visits allow you to take action early and keep treatable health issues from becoming chronic conditions.
Call your doctor and dentist to schedule your FREE annual checkup today. Need to find a doctor? Go to cigna.com.
Virtual care puts you in control of when and where you access medical services—without driving to a doctor’s office. You have direct access to a licensed medical professional 24/7/365 who can treat medical and behavioral health conditions. To schedule an appointment, call MDLIVE at 888-726-3171 or go to mycigna.com.
| Virtual Medical Care | Virtual Behavioral Care |
|---|---|
| Allergies | Addiction |
| Asthma | Child/adolescent issues |
| Cold or flu | Depression |
| Ear pain | Grief |
| Fever | Panic disorders |
| Pinkeye | Postpartum depression |
| Rashes | Stress |
| Sinus infections | Trauma/PTSD |
| Sore throat | Women’s & men’s issues |
Benefits-eligible Cabarrus County employees, retirees, spouses, and dependents have access to the Cabarrus County Employee Health and Wellness Center. This center provides low-cost, routine primary care and health screenings related to:
Church Street Commons (behind Mr. C’s)
845 Church Street North, Suite 101
Concord
704-403-0550
Monday – Friday
7:30am – 4:30pm
(closed 12pm – 1pm)
This website highlights some of your benefit plans. Your actual rights and benefits are governed by the official plan documents. If any discrepancy exists between this communication and the official plan documents, the plan documents will prevail. The company reserves the right to change any benefit plan without notice. Benefits are not a guarantee of employment.
Cabarrus County Government Benefits Department
704-920-2200
