Medical
24-Hour Cigna Nurse Line:
800.244.6224 or 800.564.8982
Omada Diabetes Prevention Program
24/7/365 care from board-certified doctors and licensed counselors to diagnose, treat and prescribe medicine for common, non-emergency medical, mental and behavioral issues
Find a doctor, dentist or facility (mycigna.com)
Know Before You Go - Choose the right place for care & save
You'll generally save money by using virtual care or a CVS clinic instead of going to urgent care or the ER.
You'll also save when you have your lab work done at network labs like LabCorp or SonoraQuest rather than in hospital or outpatient settings.
> Don't need medical? Get up to ~$960/year by requesting the Medical Opt Out incentive. In Workday, go to Menu (upper left) > Requests > Create Request > All > Medical opt out
HSA
Why Choose the Health Savings Account?
- Visit any provider
- National coverage
- No referrals or PCP selection (primary care provider) required
- You generally pay less by visiting providers in the network
- As with all City plans, preventive care is covered 100%
Pay less from your paycheck
- You pay a lower premium
Free money
- The City gives employees money each year to help pay for care received
- $1,500 annually if you're single or $3,000 annually if you're covering dependents (prorated for part-year enrollment)
- You can use the money for IRS qualified health expenses, including medical, dental, vision and Rx
- Retirees don't receive a City contribution to their HSA Bank accounts but may be able to make personal bank account contributions - Make sure you're eligible by checking with your tax consultant
- The City gives employees money each year to help pay for care received
Money is yours to keep
- Unused funds roll over year to year - no "use or lose it" penalty
- You keep the money, even after you leave the plan, and can continue using it to pay for COBRA premiums or qualified health expenses
Tax savings
- You may make additional pre-tax contributions, which reduces your taxable income
- Any after-tax contributions that you make are tax deductible
- According to HSA Bank's FAQ, HSA funds may earn interest tax free (except in NJ) and may not be taxed when used for IRS qualified health expenses
Investment potential
- You have potential to build more savings through investing; choose from a variety of HSA self‐directed investment options with no minimum balance required
Save for retirement
- They also can provide additional retirement savings: After age 65, funds can be withdrawn for any purpose without penalty
1 Assumes care is received in-network
HSA
What you need to know
- Higher deductible: $2,000 individual/ $4,000 family3
- You generally pay 10% after you meet the deductible, until you reach the annual out-of-pocket maximum ($3,000 individual/$6,000 family)3
- You pay 100% for prescriptions, until you meet the deductible
- This can be a challenge if you take expensive medications
- Not everyone is eligible
- You must be an active employee with a valid SSN and a U.S. primary residence
- You cannot be covered by any other type of health plan, including Medicare A or B
- You cannot be covered by TriCare or a general purpose health care flexible spending account (FSA)
- You cannot have received medical benefits from Veterans Administration for any non-service-connected disabilities at any time during the previous 3 months
- If you have a second insurance (like through a spouse), it must also meet IRS definition of qualified high deductible health plan
- You cannot be claimed as a dependent on another person's tax return (unless it's your spouse)
- Until you're 65, don't use the funds for anything other than IRS-qualifying health care expenses, or you'll pay taxes and a penalty
- After age 65, funds can be withdrawn for any purpose penalty-free
- After age 65, funds can be withdrawn for any purpose penalty-free
- You'll receive a couple of tax forms each year (1099-SA and 5498-SA), and you'll have to file Form 8889 with your tax return to calculate taxes you may owe for non-qualified purchases
Visit HSA Bank's FAQ for additional details.
3 Assumes care is received in-network
HSA
Plan documents
Consult your tax professional before making personal contributions to ensure that you qualify to do so.
- HSA Summary of Benefits & Coverage FY25 (SBC) - Employees
- HSA Summary of Benefits & Coverage FY25 (SBC) - Retirees
- Retirees: The City does not contribute to retiree HSA Bank accounts.
- HSA Summary of Benefits & Coverage FY24 (SBC) - Employees
- HSA Plan Booklet FY24 (SPD) - Employees
- HSA Plan Retiree Booklet FY24 (SPD)
HRA
Why Choose the Health Reimbursement Account?
- Visit any provider
- National coverage
- No referrals or PCP selection (primary care provider) required
- You generally pay less by visiting providers in the network
- As with all City plans, preventive care is covered 100%1
- Pay less from your paycheck
- You pay a lower premium
- The City provides financial support
- The City-owned HRA fund helps cover covered medical costs when you receive services
- Note that the fund may not be used for dental, vision or Rx costs, like it can be under the HSA
- You have access to the City’s annual contribution the first day of each plan year (or when your insurance begins, if you’re a new hire)
- $1,500 annually if you're single or $3,000 annually if you're covering dependents (prorated for part-year enrollment)
- Unused funds generally roll over year to year
- However, you can lose the funds - see "What's the catch?" below
- The City-owned HRA fund helps cover covered medical costs when you receive services
- You pay a copay for prescriptions
- $20 generic, $50 preferred, $100 non-preferred1
- This may be easier to manage than the HSA drug plan if you have higher cost prescriptions
1 Assumes care is received in-network
HRA
What you need to know
- Higher deductible: $2,000 individual/ $4,000 family3
- You generally pay 10% after you meet the deductible, until you reach the annual out-of-pocket maximum ($3,000 individual/$6,000 family)3
- The City owns the money in your HRA fund
- Think of the account as a "promise to pay" for qualified medical claims
- Once you've spent the full fund, you're responsible for remaining costs
- You can't use the funds for pharmacy, dental or vision expenses, like you can with the HSA
- You can't use the funds for premiums
- You will lose the money when you join another plan or leave City employment
- Funds are reduced by $1,500 if you go from family coverage (covering at least one dependent) to individual coverage
Network
Why Choose the Network plan (formerly HMO)?
- More predictable costs when you receive services
- You pay copays for most care1
- $40 primary care / $60 specialist copays
- $80 urgent care copay
- $300 emergency room copay
- As with all City plans, preventive care is covered 100%1
- You pay copays for most care1
- Lower deductible may make medical expenses easier to manage
- $500 individual / $1,000 family deductible applies to in-patient, out-patient, and advanced radiology
- You pay a copay for prescriptions1
- $20 generic, $50 preferred, $100 non-preferred
- This may be easier to manage than the HSA drug plan if you have higher cost prescriptions
1 Must be received in-network, or coverage is 0%
Network
What you need to know
- Less flexibility when choosing where to receive care
- You must choose a PCP (primary care provider), who coordinates all your care
- Your primary care provider must register referrals with Cigna before you visit specialists
- You must receive care and prescriptions in the network
- You must live in a covered zip code
- The network is limited to Arizona (no other states)
- Not all Arizona providers and pharmacies are in the network
- Only emergency services are covered outside the network, and emergency follow-up care must be received in-network
- If you or your covered dependent lives outside the Arizona network, consider the HSA or HRA
- Be sure you verify network status before you receive care
- You must live in a covered zip code
- Pay more out of your paycheck
- The Network plan has a higher premium than the HSA and HRA
Compare HSA & HRA
The HSA and HRA coverage look similar. Are there differences?
Yes. They differ in terms of the funds that the City provides (i.e., the "money"), such as:
- Who owns the money (you or the City)
- When you get the money
- Whether you can make personal contributions to your account or invest the money
- Whether you can use the money to pay for dental and vision expenses
- What happens with the money if you leave the plan or remove dependents from the plan
In addition:
- The HSA has some eligibility restrictions - Visit HSA Bank's FAQ to see if you qualify
- You pay the full cost of prescriptions under the HSA until you meet the annual deductible, whereas the HRA has copays for prescriptions
- We encourage you to review the plans' Summaries of Benefits and Coverage to compare coverage
Compare HSA & HRA
Who owns the money?
HSA
You own the money once it's deposited into your account.
HRA
The City owns the money. Think of the account as a "promise to pay" if you or a covered dependent has qualified medical claims. Eligible claims are paid automatically if funds are available. Once you've spent the full fund, you're responsible for remaining costs.
Compare HSA & HRA
When do I receive the money?
HSA
The City's contribution to your account is deposited by the end of July. Personal contributions are deposited 1-2 weeks after each pay day.
HRA
You have access to the money at the start of each plan year on July 1: $1,500 for single coverage, or $3,000 if you're covering at least one dependent.
If you join the plan after July 1 (for example, as a new hire or due to a qualifying life event), the amount is prorated.
Compare HSA & HRA
Can I lose the money?
HSA
No. Unspent money is yours to keep and use on eligible expenses, even after you leave the plan.
HRA
Yes. If you disenroll or leave employment, you'll forfeit remaining funds.
Funds are also reduced by $1,000 if you go from family coverage (covering at least one dependent) to individual coverage.
Compare HSA & HRA
May I make personal contributions?
HSA
Yes. You may make personal pre-tax contributions to help your account grow faster, and to save on taxes. The combined amount of your personal contribution and the City's contribution may not exceed annual limits set by the IRS.
HRA
No.
Compare HSA & HRA
May I use the money for dental, vision and prescription expenses?
HSA
Yes, as long as the IRS considers them qualified health care expenses.
HRA
No. Funds are applied only to qualifying medical claims.
Compare HSA & HRA
May I invest the money?
HSA
Yes. You can invest your HSA bank funds in a wide range of mutual funds, stocks and bonds.
HRA
No. The money in the HRA account belongs to the City. It is a "promise to pay" if and when you have qualifying claims.
Compare HSA & HRA
Is additional paperwork required?
HSA
When you join:
Although you usually won't have to provide additional documents when you join the plan, sometimes the bank will run into issues when it tries to verify the data in your profile as part of the federally required Customer Identification Process. This can happen if you've moved or changed your name. In that case, the bank will ask for additional documents.
Every year:
You'll have to file IRS Form 8889 with your tax return. You'll receive both a 1099-SA tax form that shows total contributions to your account and a 5498-SA that shows withdrawals, including payments to health care providers. You'll want to save receipts showing how you spent the money to be able to demonstrate that funds were used for qualified expenses if you're ever audited by the IRS.
HRA
Because the City owns the funds and applies them only to qualifying expenses, no additional documents are required from you.
Pharmacy
- 90 days for the price of 60 for many medications
Pharmacy
- 90-days of medication for the price of 60 days at participating pharmacies
Pharmacy
Step therapy - Save money by trying generics before more expensive brand versions of medications
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Get Help Choosing
Visit our Open Enrollment page for the 2024-25 Easy Choice Tool
Access codes (2023-24 plan year):
•Salary Less Than $60k: FFV4LZ9Z
•Salary $60k-$100k: VURN3PAS
•Salary More Than $100k: JCLWYKKS
Questions? Cigna's pre-enrollment professionals can help: 888-806-5042
Access codes (2023-24 plan year):
•Salary Less Than $60k: FFV4LZ9Z
•Salary $60k-$100k: VURN3PAS
•Salary More Than $100k: JCLWYKKS
Questions? Cigna's pre-enrollment professionals can help: 888-806-5042
Contact Cigna 24/7/365
Included in all plans
Included in all plans
Included in all plans
Included in all plans
Included in all plans
Transparency in Coverage Rule Readable Files
This link leads to the machine readable files that are made available in response to the federal Transparency in Coverage Rule and includes negotiated service rates and out-of-network allowed amounts between health plans and healthcare providers. The machine-readable files are formatted to allow researchers, regulators, and application developers to more easily access and analyze data.
This Notice provides additional information about health care directory information and related federal and state-specific legal requirements.
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