Which Medical Plan is Right?
Medical coverage is provided through Cigna. The medical coverage includes a national network of physicians, specialists and hospitals. Frontier Dental Labs offers employees medical coverage through Cigna’s Open Access Plus (OAP) Network. Below is a snapshot of what is covered under the plan. To see a full, comprehensive list, please refer to the Summary of Benefits. Plan Costs are communicated separately.
We understand how confusing and overwhelming it can be to review your health plan options. And we want to help by providing the resources you need to make a decision with confidence. That’s why Cigna One Guide® service is available to you now.
Call a Cigna One Guide representative during preenrollment to get personalized, useful guidance.
Your personal guide will help you:
Easily understand the basics of health coverage
Identify the types of health plans available to you
Check if your doctors are in-network to help you avoid unnecessary costs
- Get answers to any other questions you may have about the plans or provider networks available to you
The best part is, during the enrollment period, your personal guide is just a call away.
Don’t wait until the last minute to enroll.
Call 888.806.5042 to speak with a Cigna One Guide representative today.
Medical Plan Comparison
| Cigna | OAP In-Network Only | Open Access Plus | Open Access Plus HDHP | ||||||
|---|---|---|---|---|---|---|---|---|---|
| Benefit | In-Network | Out-of-Network | In-Network | Out-of-Network | In-Network | Out-of-Network | |||
| Contract Year Deductible | $1,000 Individual $2,000 Family |
N/A | $2,000 Individual $4,000 Family |
$4,000 Individual $8,000 Family |
$3,300 Individual $6,400 Family |
$6,600 Individual $13,200 Family | |||
| After Deductible Plan Pays | 80% | N/A | 80% | 60% | 90% | 60% | |||
|
Contract Year Out-of-Pocket Maximum (includes Rx) |
$4,000 Individual $8,000 Family |
N/A | $5,000 Individual $10,000 Family |
$8,000 Individual $16,000 Family |
$5,000 Individual $10,000 Family |
$10,000 Individual $20,000 Family | |||
| Lifetime Maximum | Unlimited | N/A | Unlimited | Unlimited | Unlimited | Unlimited | |||
| Preventive Care for Adults & Children | 100% | N/A | 100% | 60%, after deductible | 100% | 60%, after deductible | |||
|
Doctors Office Visits Primary Care Specialist Urgent Care |
$25 Copay / $60 Copay / $50 Copay |
N/A |
$30 Copay / $70 Copay / $60 Copay |
60%, after deductible | 90%, after deductible | 60%, after deductible | |||
| Inpatient / Outpatient Facility Charges | 80%, after deductible | N/A | 80%, after deductible | 60%, after deductible | 90%, after deductible | 60%, after deductible | |||
| Emergency Room Facility Charges* | $400 Copay 80% after deductible |
N/A | $400 Copay 80% after deductible |
$400 Copay 80% after deductible |
90%, after deductible | 90%, after deductible | |||
| Ambulance | 80%, after deductible | N/A | 80%, after deductible | 80%, after deductible | 90%, after deductible | 90%, after deductible | |||
|
Chiropractic Benefits ($1,500 annual max) |
$25 Copay | N/A | $30 Copay | 60%, after deductible | 90%, after deductible | 60%, after deductible | |||
| Independent Labs | 80%, after deductible | N/A | 80%, after deductible | 60%, after deductible | 90%, after deductible | 60%, after deductible | |||
Prescription Drugs Plan Comparison
| Benefit | OAP In-Network Plan | OAP Plan | OAP HDHP Plan |
|---|---|---|---|
|
Retail Pharmacy (per 30-day supply)
|
$10 Copay $30 Copay $50 Copay $100 Copay |
$10 Copay $30 Copay $50 Copay $100 Copay |
10% up to $25 Copay 10% up to $50 Copay 10% up to $75 Copay 10% up to $100 Copay |
|
Retail and Home Delivery Pharmacy (per 90-day supply)
|
$20 Copay $60 Copay $100 Copay |
$20 Copay $60 Copay $100 Copay |
10% up to $50 Copay 10% up to $100 Copay 10% up to $150 Copay |
Frontier - 2024 Cigna Medical HDHPQ Benefit Summary
Frontier - 2024 Cigna Medical OAP 2K Benefit Summary
Frontier - 2024 Cigna Medical OAPIN 1K Benefit Summary
Denbright - 2025 Cigna Medical HDHPQ SBC
Denbright - 2025 Cigna OAP 2K SBC
Denbright - 2025 Cigna OAP 1K SBC
Frontier Cigna Medical HDHPQ SPD
Frontier Cigna Medical 2K SPD
Frontier Cigna Medical 1K SPD
Preparing for Annual Physical
Cigna One Guide
Cigna Behavioral Health Apps
Cigna Diabetes Prevention
Cigna Active Fit
Cigna Healthy Pregnancy App Customer Flyer
Cigna Healthy Rewards
Cigna How to Read your ID Card
Digital ID Card FAQ
Cigna MD Live Virtual Services
Cigna Online My Health Coaching
Cigna Preventative Services
Cigna Total Behavioral Health
Cigna Virtual Care All Services Customer
myCigna Customer Flyer
Cigna One Guide Pre-Enrollment
Cigna Easy Ways to File A Claim Flyer
Cigna Identity Theft Protection
Video: Prescription Drug Benefits
Video: Managing RX Costs
