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Cigna is your medical and prescription carrier. You have the choice between three plans for the 2026 plan year. The three plan options include a HMO plan, a OAPIn HSA plan, and a POS plan. View the Providers & Networks for more information on how these plans networks differ from each other as well as buttons to locate participating providers.

OAP-In HMO Plan: This plan utilizes Cigna’s Open Access Plus In-Network, or more commonly referred to as OAPIN network. Since this plan is a HMO plan, you may only use providers that are in-network. Under this plan, you will still have access to nationwide coverage to providers and care, with no need to designate a primary care physician and no referrals needed to see specialists. This plan allows you to access routine care and prescriptions at low copayments. In some cases, such as needing major medical care, a low deductible and coinsurance will apply.

Cigna OAP-In HDHP with HSA Plan: This plan utilizes Cigna’s Open Access Plus In-Network, or more commonly referred to as OAPIN network. Since this plan is a HMO plan, you may only use providers that are in-network. Under this plan, you will still have access to nationwide coverage to providers and care, with no need to designate a primary care physician and no referrals needed to see specialists.

This plan is made of 2 components: a High Deductible Health Plan (HDHP) and a Health Savings Account (HSA). This medical plan requires all coverages and services provided be paid for out-of-pocket until the plan deductible is met. Once met, you will pay copayments until your out-of-pocket maximum has been met. The plan’s HSA component provides you with access to an account which you can contribute and save pre-tax dollars. In the event you have out-of-pocket medical expenses, you can pay for them with funds in your HSA.

Cigna OAP POS Plan: This plan allows you to have access to in-network care within Cigna’s Open Access Plus POS network but also have the flexibility to receive coverage out-of-network. If you use in-network providers, you receive first dollar coverage for routine services and benefits in the form of copayments. In some cases, such as inpatient admissions, the deductible and coinsurance for major medical care will apply.