Choosing the Medical Plan that Best Supports You
Watch the video below to learn more!
Choose the best coverage level for your personal situation.
SRA offers four medical plan options so you can choose the coverage level best-suited to you. All of the available plans include prescription coverage. Medical coverage options are listed in the two charts below.
^Benefits eligible for interns
**For individuals enrolled in family coverage, deductible will be capped at the individual deductible. Once the deductible has been reached for an individual, the plan will begin to pay coinsurance for that individual. If the family deductible has been met prior to their individual deductible being met, their claims will be paid at the plan coinsurance.
***For individuals enrolled in family coverage, individual out-of-pocket expenses will be capped at the individual out-of-pocket maximum. Once the out-of-pocket limit has been reached for an individual, the plan will pay that individual’s covered expenses at 100%. If the family Out-of-Pocket has been met prior to their individual Out-of-Pocket being met, their claims will be paid at 100%.
****Cigna participating providers who rank highest in quality and cost efficiency receive the Cigna Care Designation. These providers are identified by a unique symbol (c) in the online provider directory on MyCigna.com.
1 OOPM is aggregated between tiers, so maximum paid would be the tier 2 out-of-pocket-max.
HSA Plus Plan participants automatically receive Critical Illness, Accidental Injury, and Hospital Indemnity Insurance paid for by SRA.
**For individuals enrolled in family coverage, all eligible family members contribute towards the family deductible. Once the family deductible has been met, the plan will pay each eligible family member’s covered expenses based on the coinsurance level specified by the plan.
***For individuals enrolled in family coverage, when in network, individual out-of-pocket expenses will be capped at the individual out-of-pocket maximum. Once the out-of-pocket limit has been reached for an individual, the plan will pay that individual’s covered expenses at 100%. If the family Out-of-Pocket has been met prior to their individual Out-of-Pocket being met, their claims will be paid at 100%.
For individuals enrolled in family coverage, when out of network, all eligible family members contribute towards the family out-of-pocket maximum. Once the family Out-of-Pocket has been met, claims will be paid at 100%.
****Cigna participating providers who rank highest in quality and cost efficiency receive the Cigna Care Designation. These providers are identified by a unique symbol (C) in the online provider directory on MyCigna.com.
Prescription Drug Coverage
Prescription drug coverage is provided by CVS Caremark when you enroll in myVirtualCare or Cigna medical plan.
* For Kaiser, in-network pharmacies are located in Kaiser Permanente hospitals and medical offices. To find an in-network pharmacy near you, visit www.kp.org. For a list of covered drugs, refer to Kaiser’s comprehensive formulary, also available on www.kp.org. Out-of-Network pharmacies are not covered.
** Non-preferred brand drugs are brand-name drugs that do not appear on the CVS Caremark Preferred Drug List. These drugs are generally more expensive and do not have approved generic equivalents yet. For more information on non-preferred brand drugs, visit www.caremark.com.
Prescription Highlights
PrudentRx - Specialty Drug Copay Program
- CVS plan members enrolled in the OAP plan pay a $0 copay for specialty medications. Members enrolled in the HSA Plus Plan must reach their deductible first.
- PrudentRx provides copay card assistance for your medication and manages renewals.
- To participate, call 1-800-578-4403.
Health Advisor
- Pharmacy Advisor gives you guidance by mail, email, text, or phone whenever you need it – helping you make healthy choices, save on medical expenses, and better manage your health.
- Health Advisors provide preventative care services and communication channels for better engagement.
- CVS will be in touch to get you started.
CVS Caremark Cost Saver*
- With this program, you can save automatically on generic non-specialty medications that are filled at a retail pharmacy.
- Pharmacy spend through GoodRx is automatically applied to deductible and out-of-pocket threshold.
*In applicable states
RxSavingsPlus
- Plan members can save on select medications that aren’t covered under your prescription plan.
- Up to 80% savings on generics, up to 40% on brand name medications*, including meds for pets**, at participating pharmacies nationwide.**
*Average savings of 55% for generics and 24% for brands. CVS Health Drug Discount Analytics Team, October 2020.
**Prescription savings for pet medications cannot be combined with any other discounts. Heartworm or flea/tick prevention medications are not covered.
Network Providers – Employees can obtain network provider information by contacting the carriers. Contact information is located in the benefits guide.
Rightway (Interns Eligible) - Get confidential help with finding a low-cost, high-quality provider, answer questions about medical bills and appeals, and much more. Available whether or not you have SRA medical coverage using the Rightway app from the Google Play Store or App Store®.
You may also call 1-833-689-0339 or visit https://member.rightwayhealthcare.com/.