Medical Plan Comparison
E4E offers two (2) health plan options including medical and prescription drug benefits. The medical portion of the plan is administered by Cigna.
Both plans are supported by a national network of medical providers and allow you to seek the care of any physician or facility without the need to choose a primary care physician (PCP) or seek referrals. You can choose a plan that best suits you and your family’s needs.
Below is a side-by-side comparison of the Medical Plan options.
| CIGNA HDHP |
CIGNA PPO |
|||||||
|---|---|---|---|---|---|---|---|---|
| In-Network Benefits | Out-of-Network Benefits |
In-Network Benefits | Out-of-Network Benefits | |||||
| Annual Deductible | ||||||||
| Individual | $3,500 | $7,000 | $3,500 | $7,000 | ||||
| Family | $7,000 | $14,000 | $7,000 | $14,000 | ||||
| Coinsurance (Member) | 20% | 50% | 30% | 50% | ||||
| Maximum Out-of-Pocket | ||||||||
| Individual | $7,000 | $14,000 | $5,500 | $11,000 | ||||
| Family | $14,000 | $28,000 | $11,000 | $22,000 | ||||
| Physician Office Visit | ||||||||
| Primary Care | 20% after deductible | 50% after deductible | $25 copay | 50% after deductible | ||||
| Specialty Care | 20% after deductible | 50% after deductible | $50 copay | 50% after deductible | ||||
| Preventive Care | ||||||||
| Adult Periodic Exams | 100% | 50% after deductible | 100% | 50% after deductible | ||||
| Well-Child Care | 100% | 50% after deductible | 100% | 50% after deductible | ||||
| Diagnostic Services | ||||||||
| X-ray and Lab Tests | 20% after deductible | 50% after deductible | 30% after deductible | 50% after deductible | ||||
| Complex Radiology | 20% after deductible | 50% after deductible | 30% after deductible | 50% after deductible | ||||
| Urgent Care Facility | 20% after deductible | 50% after deductible | $50 copay | 50% after deductible | ||||
| Emergency Room Facility Charges | 20% after deductible | 80% after deductible | $300 copay | $300 copay | ||||
| Inpatient Facility Charges | 20% after deductible | 50% after deductible | 30% after deductible | 50% after deductible | ||||
| Outpatient Facility and Surgical Charges | 20% after deductible | 50% after deductible | 30% after deductible | 50% after deductible | ||||
| Mental Health | ||||||||
| Inpatient | 20% after deductible | 50% after deductible | 30% after deductible | 50% after deductible | ||||
| Outpatient | 20% after deductible | 50% after deductible | $10 copay | 50% after deductible | ||||
| Substance Abuse | ||||||||
| Inpatient | 20% after deductible | 50% after deductible | 30% after deductible | 50% after deductible | ||||
| Outpatient | 20% after deductible | 50% after deductible | 30% after deductible | 50% after deductible | ||||
| Other Services | ||||||||
| Chiropractic | 20% after deductible | 50% after deductible | $50 copay | 50% after deductible | ||||
| Retail Pharmacy (30 Day Supply) | ||||||||
| Generic (Tier 1) | 20% after deductible | 80% after deductible | $10 copay | N/A | ||||
| Preferred (Tier 2) | 20% after deductible | 80% after deductible | $50 copay | N/A | ||||
| Non-Preferred (Tier 3) | 20% after deductible | 80% after deductible | $100 copay | N/A | ||||
| Preferred Specialty (Tier 4) | 20% after deductible | 80% after deductible | $100 copay | N/A | ||||
| Mail Order Pharmacy (90 Day Supply) | ||||||||
| Generic (Tier 1) | 20% after deductible | N/A | $30 copay | N/A | ||||
| Preferred (Tier 2) | 20% after deductible | N/A | $150 copay | N/A | ||||
| Non-Preferred (Tier 3) | 20% after deductible | N/A | $300 copay | N/A | ||||
| Preferred Specialty (Tier 4) | No home delivery | N/A | No home delivery | N/A | ||||
Decision Support by Cigna
Choosing the right health plan is one of the most important decisions you will make all year. That’s why Cigna created a complimentary benefits education website specific to your company.
It’s designed to make the pre-enrollment experience easier. You and your family members can learn about the benefits being offered through Cigna.
Highlights include:
- Easy-to-understand details on the plans offered through Cigna.
- Explanations of plan components and comprehensive plan summary documents.
- Benefits education videos and information, including a video library and glossary of terms.
- Telephone support from Cigna’s live open enrollment support team.
- Cigna Dental and Cigna Vision plan details.
BENEFIT SUMMARY
Benefit Summary is intended purely as a reference of the many benefits available under each plan.
Medical PPO Benefit Summary
Medical HDHP Benefit Summary
SUMMARY OF BENEFITS & COVERAGE
The Summary of Benefits and Coverage (SBC) document will help you choose a health plan. The SBC shows you how you and the plan would share the cost for covered health care services.
PPO SBC 2026
