2023 OAP & Local Plus Copay Plans
Same great network of providers with a new option. We are pleased to announce the addition of Copay health plans. This option gives you the same high-quality providers as the HSA (health savings account) plan with higher premiums but lower deductibles.
All plans are offered through Cigna and provide care through the same network of doctors, hospitals, laboratories and other providers. The key to saving money and choosing the best plan for you and your family is to understand how the plans work and become an informed healthcare consumer. Make the most of your coverage and savings opportunities.
The Copay plan has a set amount that you pay for in-network doctor’s office visits or fill a prescription. These do not count as part of your deductible. Other medical expenses go towards your deductible. You must meet the deductible before the plan begins paying a percentage of the cost. You can see the doctors you want to see without needing a referral to a specialist.
Cigna Local Plus Plan
The Local Plus Plan continues to be the medical plan for employees living in the following areas:
Arizona – Phoenix | California – Bay area and Los Angeles area | Colorado – Denver | Florida – Orlando, Tampa, South Florida (Miami metro area) | Illinois – Chicago | Kansas – Wichita | Massachusetts – Statewide | Nevada – Las Vegas | Rhode Island – Statewide | South Carolina – Greenville/Spartanburg | Texas – Austin, Dallas/Fort Worth, and Houston.
Open Access Plus (OAP) | CIGNA OAP
Employees living outside the northwest Georgia/Chattanooga and Local Plus markets remain part of the Cigna Open Access Plus (OAP) plan. To find a provider or hospital, visit cigna.com. This plan does not apply to employees working in Hawaii; they remain on the HMSA plan.
Your Healthy Life Care Teams
Our Healthy Life Centers continue to expand services to offer innovative ways to connect with all members of the Company health plan. We recently introduced Care Teams—each employee and their dependents have a special team of dedicated professionals ready to help you. Your Healthy Life Care Team may reach out to you and your dependents periodically throughout the year or you can reach out to them via
Pharmacy is included when you elect medical coverage. Express Scripts remains our pharmacy vendor. The formulary with Express Scripts can change yearly. To avoid paying full price, please review the 2023 Preferred Formulary and Formulary Exclusion List.
Mycigna.com and myCigna app
Do you have your account set up at mycigna.com? If not, register today to access many resources available from Cigna as a Mohawk health plan member. Need a copy of our health plan ID card? Go to mycigna.com to print a copy or take a photo. You can also see a list of your claims and the status. Looking for an in-network provider? You can find a complete list at mycigna.com, as well as cost estimates for various procedures.
Already have an account? Log in and see what is new!
The myCigna app is an excellent on-the-go resource. Through the myCigna app, you have access to your health information. Get easy access for your ID card, claims, provider search, and more. Get now at the Apple App Store, Google Play Store, and Amazon App Store.
Zip Code Search
Use the ZIP code search feature below to see which plan(s) you're eligible for in 2023.
- NO REFERRALS - Choose the doctors you want to see – no referral required to see a specialist.
- COPAY - $35 office visits, $25 Urgent Care visit, pharmacy-refer to pharmacy chart
- DEDUCTIBLE -With the Copay plan, you pay 100% of your health care expenses until you meet your annual deductible, excluding office visits. See deductible amounts below.
- COST SHARING - After meeting your annual deductible, you share the cost of health care expenses by paying co-insurance (a percentage of the total cost).
- PREVENTIVE CARE - In-network routine preventive care and qualifying preventive prescriptions are covered at 100%.
- ALLOWANCE MAXIMUMS - Note that there are allowance maximums for preventive mammogram ($225), preventive mammogram-3D ($285), preventive colonoscopies ($2,250), all MRIs ($2,300 after deductible is met), and CT Scans ($2,000 after deductible is met). See details.
- OUT-OF-POCKET MAXIMUM ALLOWANCE - The most a plan member will pay per year for covered health expenses before the plan pays 100% of covered health expenses for the rest of that year.
> In-Network - Employee Only - $6,000; Family - $13,000
>Out of Network - Employee Only - none; Family - none
- PRESCRIPTION - Qualifying Walmart prescriptions $4 List or $0 for certain generics, copay applies (see Pharmacy chart)
- MEDICARE - If you are covered under Medicare, you are eligible to participate in the Company Medical Plan, however, you are not eligible to own an HSA Account per IRS guidelines.
- HSA ELIGIBILITY - Per IRS rules, you may not enroll in or add funds to a HSA if not enrolled in a high deductible health plan.
- FSA ELIGIBILITY - You may participate in the healthcare FSA account if you enroll in the Copay Plan, age 65 and older and not enrolled in a high deductible health plan.
Medical Plan Details
Click on the plan(s) below that applies to you for details.
*For coverage, Spouse also refers to Common Law
Premium Assistance Under Medicaid and the Children’s Health Insurance Program (CHIP)
Copay Plan Deductibles
Employee Only | In-network: $1,000 | Out-of-Network: $3,300
Employee + Spouse; Employee + Child; Family | In-network: $2,500 | Out-of-Network: $6,600
Co-Insurance | In-network: 80% After Deductible | Out-of-Network: 50% After Deductible
Out-of-Pocket Maximum | In-network: Employee only $6,000 | Family $13,000 | Out-of-network—Employee Only and Family: None
Medical Plan Surcharges
New enrollees to the company medical plan will be required to complete a biometric screening within 60 days of your benefit effective date to avoid a wellness surcharge. For additional details, visit the Biometrics and Health Coaching page.
Based on results, employees and/or covered spouses may be required to complete face-to-face, telephonic or online health coaching. Employees and covered spouses who choose not to work with a Healthy Life Team Navigator (HLN), do not make contact with their HLN or do not complete biometrics testing, will be charged an additional $28.85 per week or $125 per month as a surcharge on top of your medical plan premium.
If you enroll a spouse in the Company Medical Plan, they will be included in a spousal audit for other medical coverage. If your spouse’s employer offers insurance and you elect to cover him/her on Mohawk’s Medical Plan, you will pay an additional $125 per month in medical contributions.
*New hires and those new to the medical plan as a result of a Qualifying Life Event, please visit the Biometrics & Coaching page for details.
The information below outlines ways in which medical surcharges will be applied. Keep in mind, the maximum surcharge is $57.70 per week or $250 per month in addition to your Medical plan contribution.
- $28.85/wk or $125/mo: If covered Employee does not complete a Biometric Screening when notified.
- $28.85/wk or $125/mo: If covered Spouse* does not complete a Biometric Screening when notified.
- $28.85/wk or $125/mo: If covered Employee requires Coaching based on biometric screening results and refuses to work with a health coach.
- $28.85/wk or $125/mo: If covered Spouse* requires Coaching based on biometric screening results and refuses to work with a health coach.
- $28.85/wk or $125/mo: If Spouse* enrolls in the Mohawk Medical plan and has access to other group medical coverage through their employer.
*For coverage, Spouse also refers to Common Law
Healthcare Flexible Spending Account (FSA) Option
Employees enrolled in the Copay Plan and employees age 65 and older may participate in the healthcare Flexible Spending Account (FSA) which acts much like the Health Savings Account (HSA). You set aside money from your paycheck to pay for qualified out-of-pocket expenses for you and your covered dependents. And, you don’t pay taxes on this money. With an FSA, you decide how much you want to contribute each year, up to the legal limits. The money in your Healthcare FSA can be used to cover out-of-pocket costs, such as copays, deductibles, coinsurance, dental expenses, prescription glasses, contact lenses, prescription drug costs and over-the-counter drugs with a prescription.
For more information about the healthcare Flexible Spending Account (FSA), click here.
Additional Links and Information
Local Plus Copay Plan Summary Plan Description
OAP Copay Plan Summary Plan Description
Summary of Material Modification-VIVIO Specialty Medications Program
Approved Cigna Flu Shot Providers
Preventive Health Coverage Guide
Eligible and Ineligible Expenses
Contact the Benefits Service Center or CIGNA
For questions about your benefits including claims, eligibility, or to order an ID card contact
Benefits Service Center | 1-866-481-4922 OR
Cigna | 1-855-566-4295 | www.mycigna.com
- In Ala., Calif., and N.J., contributions are prior to federal taxes but after state income taxes. Employer contribution, earned interest and investment income are all taxable as gross income for state income tax purposes.