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Medical


We offer five medical plan options so you have choice when it comes to the type of care and coverage you receive.

What it Covers
You can choose from any of these five plans. Click on the plan below to view individually or view our comprehensive side-by-side comparison of all our plansAlso, check out our 2017 premiums.
You can also decline medical coverage.


How it Works
All of our medical plans pay the full cost of important preventive services, like physicals and screenings. 

They also cover a variety of health services, from care for the occasional illness to lab work and treatments for more serious conditions and emergencies. Our medical plans also cover retail and mail-order prescription drug purchases.

There are some important differences between the medical plans:

The PPO plans provide you with the flexibility to get care within the plan's network or outside it. When you get healthcare services, you’ll pay a share of the cost. You’ll pay a blend of copays or flat fees ($20, for example) and coinsurance (10% of the total cost, for example) once you’ve met your deductible. We offer three different PPO plans, each with a different coinsurance. Our richest PPO, the Premier PPO, leaves you with no coinsurance cost when you see in-network providers. Our other plans leave you with 10% (the 90/70 PPO) or 20% of the total cost (the 80/60 PPO), again when you see in-network providers. The cost is higher if you go out-of-network because you don’t benefit from agreed-upon service rates.

The HSA plan combines a lower paycheck cost with a higher deductible. Once the deductible is met, the plan functions like a traditional PPO plan. An extra feature of this plan is the health savings account (HSA), a tax-advantaged account you can use now or to save for future expenses. Read more about the HSA.

The HMO plan keeps your costs lower by coordinating your care through one doctor (your primary care physician, or PCP) and by covering only care received within the plan network.  

The Prescription coverage is fairly simple. To fill a prescription, take the prescription and your medical ID card to an in-network retail pharmacy or order by mail online.  Here are some savings tips:
  • Mail order. The convenience and cost savings of ordering by mail can’t be beat, particularly for those prescriptions you take regularly.
  • Ask for generics. Generic drugs are copies of brand-name drugs. They generally have the same dosage, use, and side effects. They’re less expensive because their manufacturer doesn’t need to recover money previously invested in research and marketing.
  • Stay in-network. Our prescription plan doesn’t cover your purchases at an out-of-network retail pharmacy. Check first whether your pharmacy is in-network and let your doctor know which pharmacy to use.

Look for complete information about what each plan covers in its summary plan description. We’ll be honest—the information in these documents is dense and sometimes difficult to understand. Contact Employee Services or call your plan’s customer service representative for help deciphering.


The HSA Plan
The Cigna HSA Plan offers you a tax-advantaged health savings account and some other unique features. If you’re unfamiliar with a high-deductible health plan, the three most important features of the HSA plan are:

  1. When you first start getting healthcare services, you pay 100% of the cost until you satisfy the deductible—except for preventive services and screenings, which are always 100% covered by the plan.
  2. The plan offers you a tax-advantaged way to save for current and future healthcare needs: the health savings account (HSA). You can elect to contribute pre-tax dollars to your account and use the money in it to meet your deductible and pay for care. You can also save for future expenses and earn interest on your savings. The money you contribute to your account is yours to keep, even if you leave Netflix. There is no “use it or lose it” as with flexible spending accounts (see “The Tax Advantages of a Health Savings Account”).
  3. Once you’ve met your deductible, the plan operates as a PPO plan.

Contributing to the HSA
Contributing to the HSA starts with the obvious: You need to be enrolled in the Cigna HSA Medical Plan. If you’re also covered under a spouse or partner’s plan (including a traditional healthcare FSA), your coverage under his or her plan will need to qualify as an IRS-qualified high-deductible health plan. Additional requirements are that you can't be: 

  • claimed as a dependent on someone else's tax return, 
  • enrolled in a general FSA that pays for any kind of qualified medical expenses before the Cigna HSA Medical Plan deductible is met (including your spouse's FSA or HRA), 
  • enrolled in Medicare,
  • enrolled in TRICARE, 
  • receiving health benefits or prescription drugs from the Veterans Administration or one of its facilities in the last three months, or
  • receiving employer payments or reimbursements for medical expenses below the minimum Cigna HSA Medical Plan deductible. 

If you have any questions about whether you qualify to contribute to an HSA, contact your tax professional.

Once enrolled, you’ll receive a welcome kit and debit card from HSA Bank, a national leader in health savings accounts. You’ll be able to access your account through mycigna.com to track your balance, see transaction history, utilize the free online bill pay and EFT transfer option, initiate investments, and perform a variety of other online banking functions.

Every year you can contribute to your account, up to the IRS’s limits. The limits for single coverage are $3,400 for 2017.  For 2017, the limit is $6,750 if you’re covering a child, spouse, or family. If you’re age 55 or older, you can contribute an additional $1,000 above the limit in what are called “catch-up contributions.” These contributions can be made pre-tax through our payroll deductions. Once you’ve contributed at least $2,000 to your account, you can invest your money in the available HSA Bank funds.

Please pay attention to the bank administrative fees HSA Bank applies. These are deducted directly from your HSA. A fee schedule is available in your welcome kit.


Using Your HSA
When you use your account for qualified expenses, your money is withdrawn tax-free. You can access your funds with your debit card. You can also pay for eligible expenses such as your deductible, copays, and coinsurance for doctor visits or prescription medications with online bill pay, electronic funds transfer, or by check. A full list of eligible expenses is available here.


The Tax Advantages of a Health Savings Account 
The HSA offers three tax advantages:
  1. The money is contributed on a pre-tax basis, which lowers your federal taxable income.
  2. The money in your account earns interest and the investment earnings are tax-free, too.
  3. The money you withdraw is tax-free when used for qualified expenses, no matter when you take it out.
In certain states, including California, New Jersey, and Wisconsin, HSA contributions are included in state taxable income.

Because of these tax advantages, the IRS restricts your use of a healthcare flexible spending account (HCSA) if you have an HSA. If you're enrolled in the HSA plan, you can contribute to a Limited Purpose Healthcare FSA to help cover your eligible dental and vision expenses.  The limit for 2017 is $2,600.


How to Choose a Medical Plan
Answering these questions can help you decide what medical plan features are important to you. 
  • What level of healthcare do you use? If you usually get only an annual physical each year, all our plans cover this in full. You can consider a plan that keeps your out-of-paycheck and out-of-pocket costs low. If you or someone in your family uses healthcare services regularly, consider a plan with a lower deductible and out-of-pocket maximum.
  • Are you covering your family, too? If you cover your family, pay attention to the family deductible. It works differently under the HSA and PPO plans. 
With the HSA family coverage, the deductible is an aggregate deductible, which means there is only one deductible for the entire family. Once it's met, either individually or collectively, the family pays coinsurance for the remainder of the calendar year until the out-of-pocket maximum is reached. 

With our non-HSA PPO plans, one family member’s healthcare expenses go toward satisfying his or her individual deductible. Once this member of your family satisfies his or her individual deductible, his or her expenses will be covered according to the plan’s design. After the family deductible has been met, the rest of the family will have their expenses covered according to the plan’s design, too. 
  • When do you prefer to pay for healthcare? With medical coverage, you pay for your benefits in two ways. The first way is through your paycheck. This is your premium. Depending on the plan you choose, the $15,000 Health Benefit Allowance could cover your premium entirely. The other way is when you get service. The plan you choose will dictate how much you pay for healthcare services and how much the plan pays. The HSA plan requires that you pay 100% out-of-pocket for all services until your deductible is met. With all plans, in-network preventive services are always 100% covered.
  • How much control do you want over what doctor you see? All our plans are designed so you pay less when you see an in-network doctor. But you might want the option to see someone else. While our HMO plan gives you coverage with low copays and no deductible, the plan doesn’t cover out-of-network visits other than for emergency care. That means you pay the full cost if you choose a doctor or specialist outside the plan’s network. Our other plans cover out-of-network care, but at a reduced level. Look the plan options over carefully so you strike the right balance between flexibility and cost.



Travel Medical
Business Travel
The Cigna Business Travel "Medical Benefits Abroad" plan is available in the event you or dependents traveling with you need medical care while traveling outside your home country. The plan provides coverage for unexpected injuries and illnesses that may occur while traveling on a business trip. 

Additionally, you can print an ID card to have available in the event you need to access services through this plan. You can also access benefits information online, such as medical, safety, cultural information for more than 200 countries, locating/choosing a doctor, or hospital in advance of requiring care (in advance of your trip, for example).  You can print a Certificate of Insurance for this policy which describes specific benefit coverage.

How to login:
  • Go to www.CignaEnvoy.com
  • Select "I’m an international business traveller" from the “I AM A CUSTOMER” box
  • Username = 06413AMBA and Password = Netflix
  • Click the “Go” button

Personal Travel
Your Cigna and Kaiser medical plans provide coverage for emergency medical treatment when traveling outside the carrier’s service area. In the event you need emergency medical care while traveling, your medical plan will provide payment as if you sought care in-network. You may need to pay for the claim and then submit a request for reimbursement to your medical carrier.

All Travel
U.S. employees also have the Liberty Mutual Travel Assistance program as an additional resource when traveling abroad which offers assistance services (e.g. lost passport, emergency cash advance, limited evacuation) through an arrangement with United Healthcare. To find more information, as well as an ID to take with you for your trip, see our Travel Medical Benefits and Assistance.