2025 - FT Employee Benefits Enrollment Guide - CEP (003) (00

Commonwealth Emergency Physicians

What’s new for 2025? Health Insurance - Medical We are offering one medical and prescription drug benefits for the upcoming plan year through Cigna: The Open Access Plus 500 and the Open Access Plus HSA plans. The following chart shows a brief comparison of the benefit choices available; however, please reference carrier plan summaries for detailed benefit structure.

OAP PLUS HSA

Services

In-Network

Out-of-Network

Physician Visit Copay (Primary/Specialist)

Deductible + Coins

Deductible + Coins

$4,000/$8,000

$8,000/$16,000

Deductible (Individual/Family)

CEP will fund $200 monthly into the HSA for full-time employees

CEP will fund $200 monthly into the HSA for full-time employees

Inpatient-facility

Deductible + Coins

Deductible + Coins

Urgent Care Copay

Deductible + Coins

Deductible + Coins

Coinsurance

100%

80%

Emergency Room Copay Out-of-pocket Maximum (Individual/Family) Prescription Drugs Deductible Copay

Deductible + Coins

Deductible + Coins

$8,000/$16,000

$16,000/$32,000

Combined w/Medical $10/$40/$60/50%

Combined w/Medical 20%/80%

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