2021 Health Insurance Plans

All Three Plans Offer

• Coverage by Cigna Health
• Coverage for medical care, including visits to your doctor's office, hospital stays, mental health and substance abuse services, chiropractic treatment, physical therapy and other services.
• An option to choose a primary care doctor to help guide your care. It's recommended, but not required.
• A national network of providers, as well as emergency coverage when traveling abroad for personal travel.
• No referral is needed to see a specialist, although pre-certification may be required.
• In-network preventive care* services covered at no additional cost to you. See your plan materials for a list of covered preventive care services.
  
  • *Some preventive services may not be covered. For example, immunizations for travel are generally not covered. Other non-covered services/supplies may include any service or device that is not medically necessary or services/supplies that are unproven (experimental or investigational).
• 24-hour emergency care, in- or out-of-network.
• The amount you pay out-of-pocket is limited by your plan's out-of-pocket maximum. Once you spend the annual maximum amount, the medical plan pays your covered health care costs at 100%.
• No-claim paperwork is necessary when you receive care in-network.
• Medical plan rates are deducted from your paycheck pre-tax. Research Fellows pay on a post-tax basis.
• Access to Dartmouth Health Connect (except when contributing to an HSA).
• Each family member pays toward their own individual deductible and out-of-pocket maximum. The family limits are in place to help minimize the total amounts of deductible and out-of-pocket maximums that your family would have to pay in a given year.
• Manage and track claims, order ID cards, find doctors, and track account balances through the myCigna.com website.

Open Access Plus Plan (OAP)

OAP Summary of Benefits

Key Benefits

• The deductible and medical copays are the lowest of the three plans.
• Employees and employer may contribute to an HCFSA.
• Dartmouth Health Connect is available.

Other Considerations

• The OAP has the highest rates of all three plans.
• Medical and prescription copays DO NOT count toward annual deductibles, but DO count toward annual out-of-pocket maximums.
• This is the only plan available to J-VISA holders

Plan Overview

Cigna Choice Fund Plan (CCF)

CCF Summary of Benefits

Key Benefits

• The deductible and copays are mid-level.
• Employer contributes to an HRA.
• Employee may contribute to an HCFSA.
• Dartmouth Health Connect is available.

Other Considerations

• Medical and prescription copays DO NOT count toward annual deductibles, but DO count toward annual out-of-pocket maximums.

Plan Overview

High Deductible Health Plan (HDHP)

HDHP with HRA Summary of Benefits
HDHP with HSA Summary of Benefits

Key Benefits

• The plan has the lowest rates of all three plans.
• Employer may contribute to an HRA or HSA – this is the only plan that allows HSA contributions.
• Employees may contribute to an HCFSA when electing HDHP with HRA.
  • You should only choose the HDHP with HRA plan if you are not eligible for an HSA but would still like to participate in the High Deductible Health Plan. To see if you are eligible for an HSA, please click here.
• Dartmouth Health Connect is available for employees with an HRA.

Other Considerations

• This plan has the highest deductible of the three plans.
• You pay 100% of all medical and prescription costs until your annual deductible has been met.

Plan Overview