Benefits Updates and Alerts

Plan Documents & Required Notices Here

HIPAA Information Here

Contact the BSC at 866-481-4922
Monday-Thursday 8:00-6:00 ET / Friday 8:00-5:00 ET


Health Plans Available to me Here

Walmart $4 Prescription Drug List Here

Know The Lingo Here

Extra Programs and Discounts Here

Forms Here

Leave of Absence Portal Here

En Espanol blue2024 Choice Local Plus & OAP HSA


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 and Local Plus markets remain part of the Cigna Open Access Plus (OAP) plan.  For employees in Local Plus markets, you may choose an OAP option at a higher premium. As always, we encourage you to confirm your doctor(s) are in the in-network for 2024. To find a in-network provider or hospital: use the Garner tool, visit or call Cigna at 855-566-4295.

When planning for your health care costs and Health Savings Account (HSA) contributions for 2024, remember in-network and out-of-network deductibles and out-of-pocket expenses are all separate and do not crossover. This plan does not apply to employees working in Hawaii; they remain on the HMSA plan.

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Changes for 2024

Digital ID Cards

Cigna is moving health plan members to digital ID cards for health plans and pharmacy. You will not receive a new ID card in the mail. You can download and print one from or request one be sent to you via or by calling Cigna Customer Services at 855-566-4295.


Looking for the best doctors to help you get the best patient outcomes? Garner can help! Garner is an innovative new benefit available to all Mohawk health plan members. With this data-driven doctor search tool, you can easily find the top 20% of all doctors who get better outcomes with fewer complications. Plus, Garner’s user-friendly platform lets you get personalized recommendations for in-network doctors and facilities based on your needs.

And if you need more help or information, Garner’s concierge service is available via chat or email. So why wait? Download the Garner Health app or visit to get started today! Then, use the Garner Health app or website to search for doctors nearby who are in-network and have availability to see you.

Rates and Deductibles

Rates and deductibles have changed. Please review the chart under "Rates" below.


Brand-name diabetic medications will have a $50 copay, excluding test strips, while the generic versions are available at no cost. You’ll generally pay less for generics than for brand name drugs. Talk with your doctor about whether there’s a lower cost option for your medication.

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 2024 Preferred Formulary and Formulary Exclusion List.

Fidelity Investments new health savings account (HSA) partner

Fidelity Investments, our retirement savings partner, will be our new health savings account (HSA) partner beginning Jan. 1, 2024. As a current Cigna/HSABank account holder, your account will automatically transition to Fidelity with your consent. Being able to use your HSA funds now and in the future makes it natural for it to be with our retirement partner. Fidelity can help you make smarter savings decisions. It still has the same triple tax advantages. If you can invest a portion of your account, it can help you grow your balance faster.

Please continue to use your HSABank debit card until the transition period. Watch for more information to come, including blackout dates.

Limber Health

With Limber, you can do physical therapy from the convenience of your home. You’ll get a customized care plan that can help relieve pain or discomfort in your low back, shoulders, neck, hips or knees. The program includes a clinical team of physical therapy experts and educational resources to help support you. Plus, it is available at no cost to you. To see if you qualify, scan the QR code or text or call 240-269-6066.

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Benefits to Help You Save Money and Time
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 This email address is being protected from spambots. You need JavaScript enabled to view it..

Preventive Care and Other Ways to Save

We believe prevention plays a vital role in health care. To catch problems early, we encourage you to get preventive screenings and annual checkups. Don’t forget—your in-network preventive care is 100% covered! It’s never too late to start your journey to become a healthier you. Your good health is important–to you and your family.

By using in-network providers, our onsite clinics and Amwell telehealth for acute care, mail-order prescription services, participating in pilot programs and limiting visits to the emergency room to true emergencies, you can be a savvy shopper for both quality care and lower cost. Make the most of your coverage and savings opportunities.


Looking for a fast, easy, and convenient way to see a doctor? Amwell telehealth is here to help! With live video visits available from your computer, tablet, or mobile device, you can connect with a board-certified doctor at a time that works for you 24/7/365. This is the perfect solution when your doctor’s office is closed, you’re too sick to leave home, too busy to see someone in person, or even as a great alternative to a late-night ER visit.

It’s free to enroll, and the cost per visit is just $20 for acute care visits for health plan members and $69 for Mohawk employees not on the health plan. So why wait? Sign up today @ or download the app.

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Zip Code Search

Use the ZIP code search feature below to see which plan(s) you're eligible for in 2024.

Zip Code Search

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Plan Overview

The medical plan uses the Cigna network of medical providers and combines traditional medical coverage with an optional tax-free savings account with Fidelity, called a Health Savings Account (HSA). It's designed to encourage you to focus on being a smart health care consumer.  The HSA can help pay for health care expenses not paid by your medical plan now and in the future.

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  • NO REFERRALS - Choose the doctors you want to see – no referral required to see a specialist.
  • DEDUCTIBLE -You pay 100% of your health care expenses until you meet your annual deductible. This includes physician office visits and prescription drugs. 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 office visit 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) are covered at 100% after meeting your deductible. (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 must be enrolled in the Company's Medical Plan to have an HSA account; have no other health coverage; not be enrolled in Medicare; and cannot be claimed as a dependent on someone else's tax return.

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Medical Plan Details

Click on the plan(s) below that applies to you for details.

2019 LP details Button 2019 OAP details Button
Plan Rates 
OAP and Local Plus HSA
24 HSA OAP LP Rates 
 Local Plus Premium HSA

24 LP Premium HSA Rates

*For coverage, Spouse also refers to Common Law

pdf button Premium Assistance Under Medicaid and the Children’s Health Insurance Program (CHIP)

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.

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 How the Medical Plan and HSA Work

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Your HSA
  • Elect the Health Savings Account (HSA) during the medical enrollment process.
  • You can contribute pre-tax dollars to a Health Savings Account (HSA).
  • In order to receive the Company's HSA contribution, you must contribute to your account, up to the current 2024 federal limit (See “HSA Contributions” section below).
  • It’s your choice how and when to use the money – use it to pay for your qualified medical, dental, or vision expenses, or save it for future needs.
  • The HSA dollars you use go toward paying your annual deductible.
  • Whatever you don’t use in 2024 earns interest and rolls over to 2025.
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Your Deductible
  • With the plan, you’ll pay an annual deductible before your health plan begins to pay for eligible expenses. A deductible is the amount of money that you’ll be required to pay before your plan starts paying benefits.
  • You can meet your deductible by using your HSA dollars, your own money or both.
  • Only services covered by your health plan count toward your deductible. (See Summary of Benefits below for more details.)
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Cigna Health Plan
  • Once you meet your deductible, you pay co-insurance, which is a percentage of your medical cost. The plan pays for the rest.
  • Your deductible counts toward your out-of-pocket maximum (the most you’ll pay in a given year for all covered expenses). Once you meet your out-of-pocket maximum (which includes your deductible), your plan pays covered expenses at 100%.

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Health Savings Account (HSA)


Company contributions* to employee Health Savings Accounts in 2024:

$500 (if you contribute $250 or more) - Employee only
$800 (if you contribute $400 or more) - Employee + Spouse
$800 (if you contribute $400 or more) - Employee + Child(ren)
$1,000 (if you contribute $500 or more) - Employee + Family

  • You receive 50% of the Company funding in January. If you contribute equal to or greater than the 50% during 2024, the Company will match the additional 50%.
  • The federal contribution limit (including employer contribution) is Single:  $4,150; Family:  $8,300. If you are age 55+, you may contribute an additional annual catch-up contribution of $1,000.

*New Hires, New HSA participants and Qualifying life event participants, please see section below regarding HSA Company contributions.

New Hires
New hires may contribute to their HSA once they become benefit eligible. However, the employee will not receive any Company money during the first calendar year of participation.  In 2025, the employee will then be eligible to receive the initial 2025 Company money and the 2025 employer match (as long as the employee is contributing at the appropriate level to the 2025 HSA plan).

New HSA Participants and Qualifying Life Event Participants
New participants to the HSA in 2024 may contribute to their HSA. However, the employee will not receive any Company money during the first calendar year of participation.  In 2025, the employee will then be eligible to receive the initial 2025 Company money and the 2025 employer match (as long as the employee is contributing at the appropriate level to the 2025 HSA plan).

Qualifying Life Events During the Year
If an HSA participant has a qualifying life event during the year and changes their HSA coverage (for example changes their HSA plan contribution from Employee Only to Employee + Spouse), they may continue to contribute and receive appropriate company match, however their initial employer seed money provided in January 2024 will not be modified.

HSA Details

Fidelity Investments will be our new health savings account partner beginning Jan. 1, 2024. Watch for move information about the transition.

Fidelity administers your HSA account.  Any balance remaining in your HSA rolls over to the next year, and if you leave or retire from the Company, the money in your account goes with you.  It is never taxable if it is used for qualified medical expenses at any time in the future.

  • Contributions to your HSA are taken out of your paycheck before taxes – so the amount of taxes withheld are reduced.
  • You will receive an HSA Debit card which draws money directly from your HSA. Use your debit card to pay for services at the doctor’s office, at your local pharmacy, eyeglass retailer or other locations where you purchase medical-related items or services
  • The Company pays for the basic banking fees, and the employee is responsible for any additional fees.

Things to Know About Your HSA

  • To receive the Company's HSA contribution, you must elect the Health Savings account (HSA) during the enrollment process.  
  • Fidelity may request additional information from you in accordance with the USA Patriot Act. If you don't submit the requested information by the deadline indicated, your account will be closed. 
  • Fidelity will mail your HSA debit card to a P.O. Box address however, a physical address is needed to keep the account open.
  • If you do not receive your HSA debit card in the mail, please contact Fidelity.

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Additional Links and Information

pdf button Local Plus HSA Summary Plan Description

pdf button Choice Local Plus HSA SBC

 pdf buttonChoice OAP HSA Summary Plan Description

pdf buttonChoice OAP HSA SBC

pdf button Summary of Material Modification-VIVIO Specialty Medications Program

Body & Mind Connection

pdf button Approved Cigna Flu Shot Providers

pdf button Available Vaccines

pdf button Cigna Claim Form

pdf buttonPreventive Health Coverage Guide

pdf button Eligible and Ineligible Expenses

pdf button Medicare and You - Guide

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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 |

Important Notes:

  • 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.