Medical

RBR Medical Plan

The RBR Medical Plan will remain unchanged. Preventive care is still covered at 100%, with no copay or out-of-pocket cost. Copays are: 

• $25 for primary care visits
• $50 for specialist visits
• $250 for the first ER visit 

The annual deductible is $500 per person, and the out-of-pocket maximum is $2,500 per person. That means after you pay the first $500 in covered expenses, you’ll pay 20% of the remaining costs until you hit the $2,500 cap. For families, two members must each meet the $500 deductible and $2,500 out-of-pocket max, totaling $1,000 deductible and $5,000 out-of-pocket max for the family.

CIGNA Network Medical Plan 

The Network Medical Plan, offered through HPI and using the CIGNA Network, gives you access to a broader range of providers and covers 98% of our geographic footprint but comes with higher costs due to fewer network discounts. Preventive care is still fully covered, but the rest of the costs are a bit different. 

• $35 for primary care visits
• $75 for specialist visits
• $500 for the first ER visit 

The annual deductible is $1,500 per person and $3,000 per family, with an out-of-pocket maximum of $5,000 per person and $10,000 per family. Just like the RBR plan, once you meet your deductible, you’ll pay 20% of covered expenses until you hit that out-of-pocket max.

The chart below provides a brief outline of what is offered.