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Health Plans

Medical Coverage Comparison

2014-2015 Medical Price Tags

2013-2014 Medical Price Tags

Working Spouse Contribution

Cigna HDHP Plan H–with HSA

If you are generally healthy and don’t require regular doctor’s visits or prescription medicines, you may be interested in this federally qualified high-deductible health plan. In exchange for the higher annual deductible set by the IRS, you will pay a lower monthly premium. Plan H works hand-in-hand with a Health Savings Account (HSA), a fund earmarked for healthcare expenses, to give you more control over your healthcare dollars. Your HSA contributions are pre-tax, earnings are tax-deferred, and withdrawals for eligible expenses are tax-free. The University also contributes to your HSA which can be rolled over each year, even if you retire or leave the University.

Plan H does not require the selection of a Primary Care Physician and gives you the flexibility to use in- or out-of-network providers. The plan provides free preventive care according to guidelines while all other services, including prescriptions, are subject to the deductible and co-insurance.

Cigna OAP

This Open Access Plus (OAP) plan includes prescription
drug coverage provided by CVS Caremark and free
preventive care according to medical guidelines. Cigna
OAP does not require the selection of a Primary Care
Physician and gives you the flexibility to use in- or out-of-
network providers and specialists without referrals.
A higher level of benefits is provided when in-network
providers are used, resulting in lower out-of-pocket
costs for you.

UPMC EPO

This Exclusive Provider Organization (EPO) through UPMC Health Plan includes prescription drug coverage provided by CVS/Caremark and free preventive care according to medical guidelines. No referrals are required, but all providers, including specialists, must be part of the UPMC network. Benefits are provided out-of-network for emergency services only.