Medical Plans

For 2021, Enjoy offers three medical plans through Cigna nationwide and one medical plan through Kaiser Permanente for employees in CA, OR and WA.

Cigna HMO

  • In-network coverage only (except in cases of emergency)

  • Requires employees to select a primary care physician (PCP) to coordinate care
  • You pay mostly copay amounts for in-network services

  • Covers 100% of preventive care

  • Not available to employees residing in AL, ID, IA, MN, MT, NE, ND, PR, SD, TX, or WY due to state requirements. There is a Cigna OAP out-of-area plan with similar coverage in these states. (See the Summary of Benefits & Coverage for details.)

  • Highest per paycheck cost

Click here to watch a 6 minute video about how the Cigna HMO plan works and how to to choose a PCP.

Glossary

HMO

HMO means "Health Maintenance Organization." HMO plans offer a wide range of healthcare services through a network of providers who agree to supply services to members.  You're required to coordinate your care through a Primary Care Physician when you are enrolled in an HMO.

PPO

PPO stands for Preferred Provider Organization and is a type of plan that offers coverage when you see in-network or out-of-network providers.  PPO plans also allow you to visit any providers without first requiring a referral from a primary care physician

Cigna OAP 500 PPO

  • In-network and out-of-network coverage

  • No PCP requirement

  • You pay a fixed copay for each doctor visit and some services, and coinsurance for other services

  • Covers 100% of preventive care

  • 2nd highest per paycheck cost
     

Cigna OAP 2000 HSA

  • In-network and out-of-network coverage

  • No PCP requirement

  • The Health Savings Account (HSA) is available with this plan. You can contribute to the HSA up to the IRS limit. Enjoy also contributes $50 monthly to your account.

  • You pay 100% out-of-pocket for everything other than preventive care, including prescriptions, until you reach your deductible.

  • Covers 100% of preventive care

  • Lowest per paycheck cost 
     

Kaiser HMO

  • Available to employees who live in Kaiser service areas in CA, WA, and the Northwest region. (When you sign on to Lumity to elect your medical plan, you will see a Kaiser HMO plan if it is available for you to elect.)

  • In-network coverage only (except in cases of emergency).  Benefits closely match the Cigna OAP IN EPO plan with slight differences.

  • Require employees to select a PCP

  • You pay mostly copay amounts for in-network services

  • Covers 100% of preventive care

  • Highest per paycheck cost

HSA

HSA stands for Health Savings Account.  The Cigna OAP 2000 HSA plan is a high-deductible health plan that can be paired with a tax-advantaged Health Savings Account.  The plan offers coverage when you see in-network or out-of-network providers.

CIGNA OAP

OAP stands for Open Access Plus which is a Cigna-specific coverage network that allows you to choose your health care providers. 

Primary Care Physician

PCP is an abbreviation used to refer to primary care physicians or primary care providers. There are many types of providers that can be considered a PCP, such as internal medicine, family practice, general practice, pediatrician, certain nurse practitioner or physician assistant, etc.
 
When you join the Cigna HMO or Kaiser HMO plan, you will be asked to choose a PCP who will oversee your care. You will be required to obtain a referral from your PCP before you can get care from a specialist.
 

Compare plan features

To compare the medical plans, select your location below and the comparison chart will open in a new window.
To view employee contributions for each plan, go to Plan Costs. To learn about tax treatment for Domestic Partner Coverage, go here.
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How to choose a medical plan that is right for you

How to choose a medical plan that is right for you

In this article, we are reviewing a few scenarios, the choice of plan for each scenario and what it would costs you at the end of the day if you were to choose one of the offered plans. 

Need help choosing a medical plan?

Check out the article below and get your questions answered