Medical Plans
Choose between three comprehensive CIGNA PPO medical plan options designed to meet different healthcare needs and budgets
Which Plan Is Right for You?
Not sure which plan to choose? Take our quick quiz to get a personalized recommendation
Side-by-Side Comparison
| Feature | Base Plan | Mid Plan | High Plan (In-Network) | High Plan (Out-of-Network) |
|---|---|---|---|---|
Network |  CIGNA PPO | CIGNA PPO | CIGNA PPO | CIGNA PPO |
Annual Deductible (Individual) | $5,000 | $2,500 | $1,000 | $6,000 |
Annual Deductible (Family) | $10,000 | $5,000 | $2,000 | $12,000 |
Out-of-Pocket Max (Individual) | $7,500 | $5,000 | $3,000 | $12,000 |
Out-of-Pocket Max (Family) | $15,000 | $10,000 | $6,000 | $24,000 |
Coinsurance (After Deductible) | 20% | 10% | 0% | 40% |
Out of Network Coverage | No | No | N/A | Yes |
Preventive Services | Covered 100% | Covered 100% | Covered 100% | 40%, after Ded |
Office Visit (PCP) | Covered 100% | Covered 100% | Covered 100% | 40%, after Ded |
Specialist Office Visit | Covered 100% | Covered 100% | Covered 100% | 40%, after Ded |
Mental Health Outpatient Visit | Covered 100% | Covered 100% | Covered 100% | 40%, after Ded |
Telemedicine (PCP Visit) | Covered 100% | Covered 100% | Covered 100% | 40%, after Ded |
Bloodwork | Covered 100% | Covered 100% | Covered 100% | 40%, after Ded |
Urgent Care | Covered 100% | Covered 100% | Covered 100% | 40%, after Ded |
Referral Needed for Specialist | No | No | No | No |
Diagnostic Imaging & Hospitalization
For X-rays, advanced imaging (MRI, CT scans), and hospital services, you have TWO options: save money by using the PriceMD network or use the standard CIGNA network
X-Ray Services
Standard diagnostic X-rays
Option 1: PriceMD Network (Save More!)
Option 2: CIGNA Network
Advanced Imaging
MRI, CT scans, PET scans
Option 1: PriceMD Network (Save More!)
Option 2: CIGNA Network
Ambulatory Surgical Network
Outpatient surgical care options
Outpatient Surgical Care
Option 1: PriceMD Network
Option 2: CIGNA Network
💰 Save Up to 50% with PriceMD!
The PriceMD network provides significant savings with lower copay amounts, dedicated RN support, and access to over 3,600 quality facilities nationwide. No surprise bills beyond your copay!
Prescription Benefits
Your prescription coverage includes four medication tiers with competitive copays
💊 Save More with Sourcing!
When you use RXManage Sourcing for Tier 3 and Specialty medications, you'll pay significantly lower copays. Look for the highlighted green boxes below to see your savings!
Generic Medications
Lower-cost alternatives
Generic medications contain the same active ingredients as brand-name drugs but cost significantly less
Tier 2 (Preferred Brand)
Brand-name preferred medications
Brand-name medications that cost more than generics but are preferred by your insurance plan
Tier 3 (Non-Preferred Brand)
Brand-name non-preferred medications
RXManage Sourcing - Save 50%!
Retail / Mail Order
Brand-name medications with higher copays because generic or preferred alternatives are available
Specialty Medications
High-cost specialty drugs
RXManage Sourcing - Big Savings!
Retail / Mail Order
For complex conditions like cancer, rheumatoid arthritis, or multiple sclerosis
💊 Save Even More on Prescriptions: Get eligible brand-name medications for $0 copay through our RxManage International Pharmacy Program! Learn more about prescription savings →
4 Rivers Base Plan
Budget-friendly option with comprehensive coverage
2026 Payroll Deductions
Per paycheck (semi-monthly)
Semi-Monthly Premium:
Plan Highlights:
- Lowest monthly premiums
- Higher deductible: $5,000 Individual / $10,000 Family
- 20% coinsurance after deductible
- All preventive care covered 100%
- Best for healthy individuals
Best For:
Team members who are generally healthy and want to minimize monthly costs
4 Rivers Mid Plan
Balanced coverage with moderate costs
2026 Payroll Deductions
Per paycheck (semi-monthly)
Semi-Monthly Premium:
Plan Highlights:
- Moderate monthly premiums
- Mid-level deductible: $2,500 Individual / $5,000 Family
- 10% coinsurance after deductible
- Balanced coverage and cost
- Most popular choice
Best For:
Team members seeking a balance between premium costs and out-of-pocket expenses
4 Rivers High Plan
Maximum coverage with lowest out-of-pocket costs
2026 Payroll Deductions
Per paycheck (semi-monthly)
Semi-Monthly Premium:
Plan Highlights:
- Higher monthly premiums
- Lower deductible: $1,000 Individual / $2,000 Family
- 0% coinsurance - no cost sharing
- Most comprehensive coverage
- Best for frequent medical needs
Best For:
Team members with frequent medical needs or those who want the most comprehensive coverage
Important Considerations
Out-of-Pocket Costs
Consider both premiums and potential out-of-pocket expenses when choosing your plan. The Base Plan has lower premiums but higher deductibles, while the High Plan has higher premiums but lower out-of-pocket costs.
Network Coverage
All three plans use the CIGNA PPO network including Orlando Health, AdventHealth, and HCA Healthcare. Make sure your preferred doctors and hospitals are in-network.
Preventive Care
All three plans cover preventive care services, office visits, and specialist visits at 100% with no deductible. This includes annual physicals, immunizations, and screenings.
Telemedicine
$0 copay virtual visits available 24/7 through Teladoc Complete Care. Access board-certified doctors, dermatology, behavioral health, nutrition counseling, and expert medical opinions—all from home.
Note: You must be enrolled on the medical plan to access telemedicine benefits. Learn more →
Formulary Search
Search our prescription formulary to find your medication's tier and cost information.
Search FormularyRX Savings Program
Order generic medications at $0 cost through our sourcing program. Over 300 medications available.
View SavingsFind a Provider
Search for in-network doctors, specialists, and hospitals using CIGNA's provider directory.
Find ProviderNeed Help Deciding?
Use our interactive tools and resources to make an informed decision