Table of Content
- Header
-
Welcome to Your 2025 Benefit Offerings
- OPEN ENROLLMENT REMINDER!
-
Eligibility & Enrollment
- Eligibility
- Enrollment
-
Medical & Rx
- Medical/Rx Plans Overview
- Rx Information
- Behavioral Health and Gender Affirming Care
- Providers & Networks
- Virtual Visits
- Carrier Resources & Education
-
HSA & FSA
- Health Savings Account (HSA)
- Flexible Spending Accounts (FSA)
- Dependent Care Reimbursement Account (DCRA)
-
Dental
- Dental Plans Overview
- Providers & Networks
- Carrier Resources & Education
-
Vision
- Network & Resources
-
Financial Protection
- Life/AD&D
- Disability
- Voluntary Benefits
- 403(b) Retirement Plan
- Payroll Contributions
- Contact Information and Additional Educational Videos
-
Personal Support & Assistance
- Employee Assistance Plan (EAP)
- Travel Assistance
- Have Questions?
- Footer
Eligibility
Medical/Rx Plans Overview
Below is a high-level overview of your plan options and benefit information:
You can view more details of these plans by accessing the benefit summaries provided by JSSA.
Cigna Preventive Care
All plans cover in-network preventive care at 100%, including routine screenings and checkups. Many of these services are covered as part of routine physical exams. These include regular checkups, routine gynecological visits and well-child exams. You do not pay anything for these services if you receive them from a provider that participates in Cigna's Open Access Plus network. That means no deductible, no copayment, and no coinsurance.
Rx Information
Look up your prescriptions by viewing the Cigna Preferred Drug List. By using the link below, you may access all of the drugs covered under the JSSA medical plan. When searching for a drug, make sure you select "Performance 3 Tier" from the drop-down menu under Select a Drug.
Helpful Rx Cost Saving Tools & Tips!
GO GENERIC - Consider using generic medications when possible. If your doctor prescribes a drug, be sure to ask if there is a suitable generic alternative. You can also ask the pharmacy to confirm
CIGNA HOME DELIVERY MAIL ORDER - Maintenance medications that require daily use are more affordable to you in a 90-day supply, rather than the 30-day retail supply. Typically, mail order drugs are subject to two-times the standard 30-day copays noted above, resulting in lower expenses for you. You can get more information on how to start receiving mail order drugs by clicking Here
GOOD Rx - There are many tools online that you can use in order to save on prescription costs. One being www.goodrx.com, an online Rx database that allows you to find what pharmacy is the cheapest for your specific prescription. Additionally, you may be able to find a coupon that will greatly reduce your cost. It is important to remember that many of the coupons can only be used outside of your plan (insurance will not be applied and costs with the coupon will not count towards your deductibles and/or out-of-pocket maximums).
Virtual Visits
800-244-6224
JSSA provides those employees who are covered by one of the Cigna medical plans access to virtual visits with MDLive.Cigna virtual care provide members the opportunity to receive primary care, behavioral care, urgent care, and dermatology care from the comfort of your own home.
Virtual Primary Care providers is only available for medical members aged 18 years and older
To get access to these convenient services, visit the Cigna Virtual Care website.
Health Savings Account (HSA)
The Health Savings Account (HSA) allows you to set aside pre-tax dollars to pay for eligible medical, dental, and vision expenses. The OAP-In HSA Plan is qualified for an HSA. By contributing to an HSA you reduce your taxable income, so you pay less in taxes — which saves you money.
HSA IRS Maximums are as follows and are on a calendar year basis. The maximums indicated below are a combined maximum for participant and any employer provided funds to the HSA. If you elect the HSA plan mid-year, maximums are prorated based on your effective date in the HSA plan.
Flexible Spending Accounts (FSA)
Plan Details are as follows:
- You can contribute up to $3,300 annually.
- At the end of the 2025 plan year, if you have not used all of your FSA funds, a maximum of $660 will carry over into next year's FSA plan (should you elect an FSA for the 2026 plan year).
- You have 90 days after the end of the plan year to submit for expenses that occurred on or before 12/31/2024.
- If you are enrolled in an HSA plan, you will be eligible for the Limited Purpose FSA only which can be used for qualifying dental, vision, and post-deductible medical expenses.
- You have access to your full annualized election amount on day one.
- Unused funds will be forfeited.
Dependent Care Reimbursement Account (DCRA)
Plan Details are as follows:
- You can contribute up to $5,000 annually or limited to $2,500 if you are married and file separate tax returns.
- You have 90 days after the end of the plan year to submit for expenses that occurred on or before 12/31/2024.
- You only have access to the funds of which you have paid into the account. You will NOT receive a debit card for your Dependent Care finds
- Any unused funds are forfeited.
Dental Plans Overview
Below is a high-level overview of your plan options and benefit information:
What are Preventive Services? Routine oral exams and cleanings, x-rays,, sealants & fluoride treatments
What are Basic Services? Periodontics, endodontics (root canals), oral surgery, fillings, prosthetic maintenance
What are Major Services? Prosthodontics, crowns, dentures, implants & bridges
You can view more details of these plans by accessing the benefit summaries provided below.
Vision
(866) 265-4626
JSSA offers vision coverage through VSP to help pay for eye exams, prescription glasses and contact lenses. VSP also provides discounts for Hearing Care and Lasik.
If you are already enrolled in the JSSA VSP vision plan today and have not already done so, please be sure to register through the VSP member portal where you can access important information pertaining to your vision plan with VSP including participating providers, coverage information, and explanation of benefits/claims. If you are not currently covered, you will be able to register in the VSP portal as of your effective date of coverage.
Below is a high-level overview of your plan and in-network benefits:
Life/AD&D
(800) 421-0344
A sudden accident or death can leave you or your loved ones in a vulnerable position. JSSA provides all eligible employees Basic Life and Accidental Death & Dismemberment (AD&D) coverage in the amount of 1 time's your annual salary up to $200,000 at no cost to you*. Employees have the opportunity to enroll in additional Life and Accidental Death & Dismemberment insurance which will supplement lost income in the event of an accident or death. If you choose to enroll in employee coverage, this will be in addition to your employer provided Basic Life/AD&D coverage.
- Evidence of Insurability (EOI) is required for those who are increasing coverage pass the Guaranteed Issue amount during this Open Enrollment, or elect the Voluntary Life/AD&D benefit at a later time.
- Who's Your Beneficiary? Naming a beneficiary is a crucial part of electing life insurance. Also, don't forget to update your primary or secondary beneficiary if you experience a life event, such as a divorce or birth of a child.
- *Guarantee Issue only applies during THIS Open Enrollment, new hires or newly eligible spouses (due to marriage) electing benefits for the first time
*Executive Benefits may differ. Please contact HR for further information
Disability
(800) 421-0344
JSSA provides all eligible employees both Short & Long Term Disability benefits at no cost to you!
Everyday illnesses, injuries, or maternity can interfere with your ability to work, with more serious injuries or illnesses can impact your ability to work indefinitely. Even a few weeks away from work can make it difficult to manage household costs. Disability coverage provides financial protection for you by paying a portion of your income, so you can focus on getting better and worry less about keeping up with your bills.
Voluntary Benefits
We realize you make benefit choices based on what’s important to you and the needs of your changing lifestyle. Therefore, along with our core benefits, we offer Identity Protection and Legal Services are provided through ID Shield/Legal Shield. These benefits are offered in an effort to protect and assist with the expenses and services needed in the event you are faced with compromises to your identity or legal matters.
Payroll Contributions
Contact Information and Additional Educational Videos
Employee Assistance Plan (EAP)
Travel Assistance
