HSA Compatible

Med Performance 5000 HSA

Cigna PPO Network

The Med Performance 5000 HSA is a major medical plan built for generally healthy individuals and families who want broad Cigna PPO network access and are comfortable covering routine costs out of pocket in exchange for lower premiums. Once you meet the $5,000 individual deductible, the plan pays 80% of in-network costs and caps your total yearly exposure at $6,550 per individual. It includes telemedicine through Evo, prescription drug coverage, and no waiting period to start using your benefits.

Enroll Now

The Med Performance 5000 HSA plan gives you access to the large Cigna PPO network with comprehensive major medical coverage designed to protect you from catastrophic health expenses. You pay for most services out of pocket until you reach the $5,000 individual deductible ($10,000 for a family), after which the plan covers 80% of in-network costs. Your maximum yearly out-of-pocket exposure is capped at $6,550 for an individual ($13,100 for a family), meaning once you hit that limit, covered in-network services are paid at 100% for the rest of the year. There is no lifetime maximum on benefits, and preventive care is covered at $0 with no deductible required. Prescription coverage is included with some helpful tiers to know: preventive generics are free, standard generics cost $15 per 30-day fill after the deductible, preferred brand-name drugs are $65, and non-preferred brands are $100. Specialty drugs are covered at 50% coinsurance after the deductible. Note that if you request a brand-name drug when a generic is available, you'll pay the brand copay plus the price difference, and that difference does not count toward your out-of-pocket maximum. Telemedicine is included through Evo, and both mental health and pregnancy are covered under this plan. There is no waiting period, so coverage begins right away. This plan is best suited for people who are generally healthy, do not expect frequent doctor visits, and want to keep monthly premiums lower while still being protected against large, unexpected medical events. Because most services require you to meet the $5,000 deductible before the plan starts sharing costs, you should be financially prepared to cover routine and moderate care expenses on your own. The plan is structured similarly to an HSA-compatible high-deductible plan and includes a Lively HSA account to help you save pre-tax dollars for medical expenses. A few things to watch for: some services — including inpatient hospital stays, surgeries, CT/MRI scans, and mental health inpatient care — require prior authorization before the plan will cover them. Using out-of-network providers results in significantly higher cost sharing (40–50% coinsurance) and higher out-of-pocket maximums, so staying in the Cigna PPO network is important for managing your costs. Infertility treatment, hearing aids, and certain other services are not covered under this plan, so review the full schedule of benefits if those services are important to you.

HSA-eligible plan. Pair with Lively HSA to save pre-tax dollars.

Plan details

Deductible (Individual): $5,000
Deductible (Family): $10,000
Out-of-Pocket Max (Individual): $6,550
Out-of-Pocket Max (Family): $13,100
Coinsurance (In-Network): 20%

Benefits

Deductible
$5,000 / $10,000
Individual / Family
Max Out of Pocket
$6,550 / $13,100
Individual / Family
Coinsurance
20% after deductible
All services after deductible
Rx Coverage
$0 / $15 / $65 / $100
T1 / T2 / T3 / T4
HSA Account
Lively HSA
Pre-tax savings account
Pregnancy
Covered
Mental Health
Covered
20% after deductible
Work Requirement
No work requirement
Waiting Period
None

Med Performance 5000 HSA

Plan details

Benefits

Plan documents

Available in

Ready to see your rate?