STONE HUB
RMD Management
Keeping You and Your Family Healthy
HEALTH INSURANCE
Health insurance premiums are deducted "pre-tax" using the FSA & HSA plans, resulting in a tax savings of approximately 25%.
OAP
Traditional Plan
Each time you need care, you can choose the doctors and other health care professionals and hospitals that work best for you.
How it works
Primary care physician (PCP)
You decide if you want to choose a PCP as your personal doctor to help coordinate care and act as a personal health advocate. It’s recommended, but not required.In-network
Choose to see doctors or other health professionals who participate in-network to keep your costs lower and eliminate paperwork.No-referral specialist care
If you need to see a specialist, you do not need a referral to see a doctor who participates in the network—just make the appointment and go. Precertification may be necessary for hospitalizations and some types of outpatient care, but there is no paperwork for you.Out-of-network
You also have the freedom to visit doctors or use hospitals that are not part of the network, but your costs will be higher and you may need to file a claim.Emergency and urgent care
When you need care, you have coverage, 24 hours a day.
With the plan, you’ll pay an annual amount (deductible) before your health plan begins to pay for covered health care costs. Once you meet your deductible, you pay a set amount (copay) or percentage of the cost (coinsurance) for your covered health care costs and the health plan pays the rest.
OAP HSA
High Deductible Plan
The Cigna Health Savings Account (HSA) combines a health care plan with a tax-advantaged health savings account you establish through your employer. Use the money in your account to pay for eligible health care expenses for you and your eligible dependents, or save it for future health costs.
How it Works
As part of enrolling in the HSA, you open a health savings account.
You and/or your employer can contribute pre-tax dollars to your account.
You can use the money in your HSA to pay for qualified health care expenses (including your deductible and coinsurance) for yourself and your eligible dependents. You can also use it to pay for qualified medical expenses that may not be covered under your medical plan, including dental and vision expenses.
The HSA dollars you use go toward paying your annual deductible. Dollars you don’t use remain in your account and earn interest.
If you leave your health plan, change jobs or retire, you take your HSA with you.
PPO
Traditional Plan with an Extended Network
Cigna’s Preferred Provider Organization (PPO) plan gives you important choices. Each time you need care, you can choose your doctors, health care professionals and hospitals from our network, or you can choose to receive care and services from health care professionals outside of the network (including the Intermountain Healthcare System)
How it works
Primary care physician (PCP)
You don’t need to select a PCP. Cigna will work closely with you and your doctors to help coordinate your care.In-network
Choose to see in-network doctors or other health care professionals to keep your costs lower and eliminate paperwork.No-referral specialist care
If you need to see a specialist, you do not need a referral—just make the appointment and go. Pre-certification may be necessary for hospitalizations and some types of outpatient care.Out-of-network
You also have the freedom to visit doctors or use hospitals that are not part of the Cigna network, but your costs will be higher, and you may need to file a claim.Emergency and urgent care
When you need care, you have coverage, 24 hours a day, worldwide.
With the plan, you’ll pay an annual amount (deductible) before your health plan begins to pay for covered health care costs. Once you meet your deductible, you pay a set amount (copay) or percentage of the cost (coinsurance) for your covered health care costs, and the health plan pays the rest.
PPO HSA
High-Deductible Plan with an Extended Network
The Cigna Health Savings Account (HSA) combines a health care plan with a tax-advantaged health savings account you establish through your employer. Use the money in your account to pay for eligible health care expenses for you and your eligible dependents, or save it for future health costs.
How it Works
As part of enrolling in the HSA, you open a health savings account.
You and/or your employer can contribute pre-tax dollars to your account.
You can use the money in your HSA to pay for qualified health care expenses (including your deductible and coinsurance) for yourself and your eligible dependents. You can also use it to pay for qualified medical expenses that may not be covered under your medical plan, including dental and vision expenses.
The HSA dollars you use go toward paying your annual deductible. Dollars you don’t use remain in your account and earn interest.
If you leave your health plan, change jobs or retire, you take your HSA with you.
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FLEXIBLE SPENDING ACCOUNT
FSA PLAN
Health FSA's benefit everyone – single individuals, families, and soon-to-be retirees. Setting aside pre-tax dollars means you pay fewer taxes and increase your take-home pay by your tax savings. You save money on eligible expenses that you are paying for out of your pocket. The amount you save depends on your tax bracket.
For example, if you are in the 30 percent tax bracket, you can save $30 on every $100 spent on eligible health care expenses such as dental checkups, prescription eyeglasses, and bandages. Discover how your savings can add up by visiting this FSA Savings Examples page.
HSA PLAN
A health savings account (HSA) combines high deductible health insurance with a tax-favored savings account. Money in the savings account can help pay the deductible. Once the deductible is met, the insurance starts paying. Money left in the savings account earns interest and is yours to keep.