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Medical Plan Options 2027

Cigna

JPS Health Network offers three medical plan options for 2027 — the HD500 Plan, HD250 Plan, and EPO Plan — all administered through Cigna with access to JPS Health Network, Cook Children's, and Cigna Open Access in-network providers. Plans vary in premium tiers based on salary, deductible, co-pay structure, and HSA/FSA eligibility.

Medical Plan Options

At JPS, our goal is to help you reach your highest potential and be the best version of yourself. This starts with taking care of your overall health. Choosing the right plan to meet your needs is the first step to living your healthiest life.

When deciding which medical plan is right for you and your family, it is important to consider the total cost of coverage. This includes what you pay in premiums and what you pay for services out of your pocket. While each medical plan covers in-network preventive screenings in full, the plans vary on annual deductibles, co-pays, and levels of coinsurance. This means you may pay higher out-of-pocket costs with one plan versus another. The ideal medical plan should cover most of your health needs with out-of-pocket costs that meet your budget.

Useful links

2027 Plan Features

Plan Feature HD500 Plan HD250 Plan EPO Plan
JPS / Cook Children's Cigna Open Access JPS / Cook Children's Cigna Open Access JPS / Cook Children's Cigna Open Access
Plan Costs
Annual Deductible Individual/Family $3,500 / $7,000 $5,000 / $10,000 $1,900 / $3,800 $2,900 / $5,800 $2,250 / $4,500 $4,000 / $8,000
Annual Out-of-Pocket Maximum Individual/Individual-in-Family/Family $5,000 / $10,000 $8,700 / $17,400 $3,000 / $3,800 / $6,000 $5,000 / $5,800 / $10,000 $4,000 / $8,000 $7,000 / $14,000
Employer Contributions
JPS Annual HSA Employer Contribution $500 $250 Not HSA eligible
Lifestyle Spending Account Employer Paid $500 $250 $250
Plan Costs

Annual Deductible Individual/Family

HD500 Plan
HD500 Plan — JPS / Cook Children's
$3,500 / $7,000
HD500 Plan — Cigna Open Access
$5,000 / $10,000
HD250 Plan
HD250 Plan — JPS / Cook Children's
$1,900 / $3,800
HD250 Plan — Cigna Open Access
$2,900 / $5,800
EPO Plan
EPO Plan — JPS / Cook Children's
$2,250 / $4,500
EPO Plan — Cigna Open Access
$4,000 / $8,000

Annual Out-of-Pocket Maximum Individual/Individual-in-Family/Family

HD500 Plan
HD500 Plan — JPS / Cook Children's
$5,000 / $10,000
HD500 Plan — Cigna Open Access
$8,700 / $17,400
HD250 Plan
HD250 Plan — JPS / Cook Children's
$3,000 / $3,800 / $6,000
HD250 Plan — Cigna Open Access
$5,000 / $5,800 / $10,000
EPO Plan
EPO Plan — JPS / Cook Children's
$4,000 / $8,000
EPO Plan — Cigna Open Access
$7,000 / $14,000
Employer Contributions

JPS Annual HSA Employer Contribution

HD500 Plan
$500
HD250 Plan
$250
EPO Plan
Not HSA eligible

Lifestyle Spending Account Employer Paid

HD500 Plan
$500
HD250 Plan
$250
EPO Plan
$250
  • Employer HSA and LSA contributions are prorated if joining the plan after January 1, 2027.
  • Individual-in-Family deductible applies to the HD250 Plan only.

HD500 & HD250 Plan vs EPO Plan

Service HD500 & HD250 EPO Plan
Premiums & Deductibles
Premium & Deductible Level Lower premiums and deductibles Higher premiums and deductibles
Cost Structure
How Services Are Paid You are responsible for the deductible for services received. Out-of-pocket prescription costs apply to medical deductible. Many services are available for a co-pay without needing to first satisfy the deductible.
Savings Account Eligibility
Account Type HSA-eligible (not eligible to participate in the Healthcare FSA) Healthcare FSA-eligible (not eligible to participate in the HSA)
Employer HSA Contribution HD500: Annual $500 employer HSA contribution (prorated if joining after January 1, 2027); HD250: Annual $250 employer HSA contribution (prorated if joining after January 1, 2027). Employer does not contribute to the FSA
Fund Rollover HSA funds will roll over year to year and do not forfeit FSA funds must be used within the plan year or will be forfeited; may rollover up to $500 to be used in the next plan year
Additional Funding Options Option to fund HSA with WellCredit dollars N/A
Network Requirements
Network Required to receive medical services from JPS Health Network, Cook Children's, and/or Cigna in-network physicians and facilities Required to receive medical services from JPS Health Network, Cook Children's, and/or Cigna in-network physicians and facilities
Understanding the HD500 & HD250 Plans

The Health Savings Plan offers a variety of benefits, but it's important to understand how the plan works to see if it's the right choice for you.

Paying for Medical Care: You will pay 100% of eligible medical and pharmacy costs until you reach the deductible. You can use your Health Savings Account (HSA) dollars to pay for expenses tax-free.

Sharing the Cost: After you meet the deductible, you and the plan will share the cost. The plan will cover 90% of JPS Health Network expenses and 70% of Cigna Open Access network expenses until you meet your out-of-pocket maximum.

Reaching the Limit: When you reach the out-of-pocket maximum, the plan pays 100% of eligible medical and prescription costs for the rest of the plan year.

Medical Plan Comparison

Service HD500 Plan HD250 Plan EPO Plan
JPS / Cook Children's Cigna Open Access JPS / Cook Children's Cigna Open Access JPS / Cook Children's Cigna Open Access
Preventive Care
Preventive Care Visit Covered in full Covered in full Covered in full Covered in full Covered in full Covered in full
JPS Outpatient Office Visits
JPS Health and Wellness Center Primary Care 10% after deductible N/A 10% after deductible N/A $15 co-pay N/A
Specialty Care 10% after deductible N/A 10% after deductible N/A $20 co-pay N/A
Standard Adult/Child lab/X-ray 10% after deductible N/A 10% after deductible N/A $40 co-pay N/A
Non-JPS Physician Office Visits
Primary Care N/A 30% after deductible N/A 30% after deductible N/A $40 co-pay
Specialty Care N/A 30% after deductible N/A 30% after deductible N/A $80 co-pay
Standard Adult/Child lab/X-ray N/A 30% after deductible N/A 30% after deductible N/A 40% after deductible
Maternity Care
Initial Visit to Confirm 10% after deductible 30% after deductible 10% after deductible 30% after deductible $15 co-pay (JPS Clinic); $40 co-pay (other) $80 co-pay
Global Maternity Care Fee 10% after deductible 30% after deductible 10% after deductible 30% after deductible 10% after deductible 40% after deductible
Hospitalization 10% after deductible 30% after deductible 10% after deductible 30% after deductible 10% after deductible 40% after deductible
Urgent & Emergency Care
Urgent Care 10% after deductible 30% after deductible 10% after deductible 30% after deductible $75 co-pay $100 co-pay
Emergency Room
Co-pay waived if admitted
 10% after deductible 30% after deductible 10% after deductible 30% after deductible $150 co-pay 40% after deductible
Hospital Services
Hospital Services 10% after deductible 30% after deductible 10% after deductible 30% after deductible 10% after deductible 40% after deductible
Laboratory
Physician Office 10% after deductible 30% after deductible 10% after deductible 30% after deductible 10% after deductible 40% after deductible
JPS Clinic 10% after deductible N/A 10% after deductible N/A 10% after deductible N/A
Outpatient Hospital 10% after deductible 30% after deductible 10% after deductible 30% after deductible 10% after deductible 40% after deductible
Inpatient Hospital 10% after deductible 30% after deductible 10% after deductible 30% after deductible 10% after deductible 40% after deductible
Mental Health Services
Outpatient 10% after deductible 10% after deductible 10% after deductible 10% after deductible $40 co-pay $40 co-pay
Inpatient 10% after deductible 10% after deductible 10% after deductible 10% after deductible 10% after deductible 10% after deductible
Outpatient Surgical Services
Physician Office 10% after deductible 30% after deductible 10% after deductible 30% after deductible $40 for specialist visit $40 for specialist visit
Medical Facility 10% after deductible 30% after deductible 10% after deductible 30% after deductible 10% after deductible 10% after deductible
Therapy & Specialty Services
Chiropractic Care
20 visits per year
 10% after deductible 30% after deductible 10% after deductible 30% after deductible $40 co-pay $80 co-pay
Acupuncture
20 visits per year
 N/A 30% after deductible N/A 30% after deductible N/A $80 co-pay
Speech Therapy
45 visits per year
 10% after deductible 30% after deductible 10% after deductible 30% after deductible $20 co-pay $30 co-pay
Occupational Therapy
45 visits per year
 10% after deductible 30% after deductible 10% after deductible 30% after deductible $40 co-pay $80 co-pay
Preventive Care

Preventive Care Visit

HD500 Plan
HD500 Plan — JPS / Cook Children's
Covered in full
HD500 Plan — Cigna Open Access
Covered in full
HD250 Plan
HD250 Plan — JPS / Cook Children's
Covered in full
HD250 Plan — Cigna Open Access
Covered in full
EPO Plan
EPO Plan — JPS / Cook Children's
Covered in full
EPO Plan — Cigna Open Access
Covered in full
JPS Outpatient Office Visits

JPS Health and Wellness Center Primary Care

HD500 Plan
HD500 Plan — JPS / Cook Children's
10% after deductible
HD500 Plan — Cigna Open Access
N/A
HD250 Plan
HD250 Plan — JPS / Cook Children's
10% after deductible
HD250 Plan — Cigna Open Access
N/A
EPO Plan
EPO Plan — JPS / Cook Children's
$15 co-pay
EPO Plan — Cigna Open Access
N/A

Specialty Care

HD500 Plan
HD500 Plan — JPS / Cook Children's
10% after deductible
HD500 Plan — Cigna Open Access
N/A
HD250 Plan
HD250 Plan — JPS / Cook Children's
10% after deductible
HD250 Plan — Cigna Open Access
N/A
EPO Plan
EPO Plan — JPS / Cook Children's
$20 co-pay
EPO Plan — Cigna Open Access
N/A

Standard Adult/Child lab/X-ray

HD500 Plan
HD500 Plan — JPS / Cook Children's
10% after deductible
HD500 Plan — Cigna Open Access
N/A
HD250 Plan
HD250 Plan — JPS / Cook Children's
10% after deductible
HD250 Plan — Cigna Open Access
N/A
EPO Plan
EPO Plan — JPS / Cook Children's
$40 co-pay
EPO Plan — Cigna Open Access
N/A
Non-JPS Physician Office Visits

Primary Care

HD500 Plan
HD500 Plan — JPS / Cook Children's
N/A
HD500 Plan — Cigna Open Access
30% after deductible
HD250 Plan
HD250 Plan — JPS / Cook Children's
N/A
HD250 Plan — Cigna Open Access
30% after deductible
EPO Plan
EPO Plan — JPS / Cook Children's
N/A
EPO Plan — Cigna Open Access
$40 co-pay

Specialty Care

HD500 Plan
HD500 Plan — JPS / Cook Children's
N/A
HD500 Plan — Cigna Open Access
30% after deductible
HD250 Plan
HD250 Plan — JPS / Cook Children's
N/A
HD250 Plan — Cigna Open Access
30% after deductible
EPO Plan
EPO Plan — JPS / Cook Children's
N/A
EPO Plan — Cigna Open Access
$80 co-pay

Standard Adult/Child lab/X-ray

HD500 Plan
HD500 Plan — JPS / Cook Children's
N/A
HD500 Plan — Cigna Open Access
30% after deductible
HD250 Plan
HD250 Plan — JPS / Cook Children's
N/A
HD250 Plan — Cigna Open Access
30% after deductible
EPO Plan
EPO Plan — JPS / Cook Children's
N/A
EPO Plan — Cigna Open Access
40% after deductible
Maternity Care

Initial Visit to Confirm

HD500 Plan
HD500 Plan — JPS / Cook Children's
10% after deductible
HD500 Plan — Cigna Open Access
30% after deductible
HD250 Plan
HD250 Plan — JPS / Cook Children's
10% after deductible
HD250 Plan — Cigna Open Access
30% after deductible
EPO Plan
EPO Plan — JPS / Cook Children's
$15 co-pay (JPS Clinic); $40 co-pay (other)
EPO Plan — Cigna Open Access
$80 co-pay

Global Maternity Care Fee

HD500 Plan
HD500 Plan — JPS / Cook Children's
10% after deductible
HD500 Plan — Cigna Open Access
30% after deductible
HD250 Plan
HD250 Plan — JPS / Cook Children's
10% after deductible
HD250 Plan — Cigna Open Access
30% after deductible
EPO Plan
EPO Plan — JPS / Cook Children's
10% after deductible
EPO Plan — Cigna Open Access
40% after deductible

Hospitalization

HD500 Plan
HD500 Plan — JPS / Cook Children's
10% after deductible
HD500 Plan — Cigna Open Access
30% after deductible
HD250 Plan
HD250 Plan — JPS / Cook Children's
10% after deductible
HD250 Plan — Cigna Open Access
30% after deductible
EPO Plan
EPO Plan — JPS / Cook Children's
10% after deductible
EPO Plan — Cigna Open Access
40% after deductible
Urgent & Emergency Care

Urgent Care

HD500 Plan
HD500 Plan — JPS / Cook Children's
10% after deductible
HD500 Plan — Cigna Open Access
30% after deductible
HD250 Plan
HD250 Plan — JPS / Cook Children's
10% after deductible
HD250 Plan — Cigna Open Access
30% after deductible
EPO Plan
EPO Plan — JPS / Cook Children's
$75 co-pay
EPO Plan — Cigna Open Access
$100 co-pay

Emergency Room

Co-pay waived if admitted

HD500 Plan
HD500 Plan — JPS / Cook Children's
10% after deductible
HD500 Plan — Cigna Open Access
30% after deductible
HD250 Plan
HD250 Plan — JPS / Cook Children's
10% after deductible
HD250 Plan — Cigna Open Access
30% after deductible
EPO Plan
EPO Plan — JPS / Cook Children's
$150 co-pay
EPO Plan — Cigna Open Access
40% after deductible
Hospital Services

Hospital Services

HD500 Plan
HD500 Plan — JPS / Cook Children's
10% after deductible
HD500 Plan — Cigna Open Access
30% after deductible
HD250 Plan
HD250 Plan — JPS / Cook Children's
10% after deductible
HD250 Plan — Cigna Open Access
30% after deductible
EPO Plan
EPO Plan — JPS / Cook Children's
10% after deductible
EPO Plan — Cigna Open Access
40% after deductible
Laboratory

Physician Office

HD500 Plan
HD500 Plan — JPS / Cook Children's
10% after deductible
HD500 Plan — Cigna Open Access
30% after deductible
HD250 Plan
HD250 Plan — JPS / Cook Children's
10% after deductible
HD250 Plan — Cigna Open Access
30% after deductible
EPO Plan
EPO Plan — JPS / Cook Children's
10% after deductible
EPO Plan — Cigna Open Access
40% after deductible

JPS Clinic

HD500 Plan
HD500 Plan — JPS / Cook Children's
10% after deductible
HD500 Plan — Cigna Open Access
N/A
HD250 Plan
HD250 Plan — JPS / Cook Children's
10% after deductible
HD250 Plan — Cigna Open Access
N/A
EPO Plan
EPO Plan — JPS / Cook Children's
10% after deductible
EPO Plan — Cigna Open Access
N/A

Outpatient Hospital

HD500 Plan
HD500 Plan — JPS / Cook Children's
10% after deductible
HD500 Plan — Cigna Open Access
30% after deductible
HD250 Plan
HD250 Plan — JPS / Cook Children's
10% after deductible
HD250 Plan — Cigna Open Access
30% after deductible
EPO Plan
EPO Plan — JPS / Cook Children's
10% after deductible
EPO Plan — Cigna Open Access
40% after deductible

Inpatient Hospital

HD500 Plan
HD500 Plan — JPS / Cook Children's
10% after deductible
HD500 Plan — Cigna Open Access
30% after deductible
HD250 Plan
HD250 Plan — JPS / Cook Children's
10% after deductible
HD250 Plan — Cigna Open Access
30% after deductible
EPO Plan
EPO Plan — JPS / Cook Children's
10% after deductible
EPO Plan — Cigna Open Access
40% after deductible
Mental Health Services

Outpatient

HD500 Plan
HD500 Plan — JPS / Cook Children's
10% after deductible
HD500 Plan — Cigna Open Access
10% after deductible
HD250 Plan
HD250 Plan — JPS / Cook Children's
10% after deductible
HD250 Plan — Cigna Open Access
10% after deductible
EPO Plan
EPO Plan — JPS / Cook Children's
$40 co-pay
EPO Plan — Cigna Open Access
$40 co-pay

Inpatient

HD500 Plan
HD500 Plan — JPS / Cook Children's
10% after deductible
HD500 Plan — Cigna Open Access
10% after deductible
HD250 Plan
HD250 Plan — JPS / Cook Children's
10% after deductible
HD250 Plan — Cigna Open Access
10% after deductible
EPO Plan
EPO Plan — JPS / Cook Children's
10% after deductible
EPO Plan — Cigna Open Access
10% after deductible
Outpatient Surgical Services

Physician Office

HD500 Plan
HD500 Plan — JPS / Cook Children's
10% after deductible
HD500 Plan — Cigna Open Access
30% after deductible
HD250 Plan
HD250 Plan — JPS / Cook Children's
10% after deductible
HD250 Plan — Cigna Open Access
30% after deductible
EPO Plan
EPO Plan — JPS / Cook Children's
$40 for specialist visit
EPO Plan — Cigna Open Access
$40 for specialist visit

Medical Facility

HD500 Plan
HD500 Plan — JPS / Cook Children's
10% after deductible
HD500 Plan — Cigna Open Access
30% after deductible
HD250 Plan
HD250 Plan — JPS / Cook Children's
10% after deductible
HD250 Plan — Cigna Open Access
30% after deductible
EPO Plan
EPO Plan — JPS / Cook Children's
10% after deductible
EPO Plan — Cigna Open Access
10% after deductible
Therapy & Specialty Services

Chiropractic Care

20 visits per year

HD500 Plan
HD500 Plan — JPS / Cook Children's
10% after deductible
HD500 Plan — Cigna Open Access
30% after deductible
HD250 Plan
HD250 Plan — JPS / Cook Children's
10% after deductible
HD250 Plan — Cigna Open Access
30% after deductible
EPO Plan
EPO Plan — JPS / Cook Children's
$40 co-pay
EPO Plan — Cigna Open Access
$80 co-pay

Acupuncture

20 visits per year

HD500 Plan
HD500 Plan — JPS / Cook Children's
N/A
HD500 Plan — Cigna Open Access
30% after deductible
HD250 Plan
HD250 Plan — JPS / Cook Children's
N/A
HD250 Plan — Cigna Open Access
30% after deductible
EPO Plan
EPO Plan — JPS / Cook Children's
N/A
EPO Plan — Cigna Open Access
$80 co-pay

Speech Therapy

45 visits per year

HD500 Plan
HD500 Plan — JPS / Cook Children's
10% after deductible
HD500 Plan — Cigna Open Access
30% after deductible
HD250 Plan
HD250 Plan — JPS / Cook Children's
10% after deductible
HD250 Plan — Cigna Open Access
30% after deductible
EPO Plan
EPO Plan — JPS / Cook Children's
$20 co-pay
EPO Plan — Cigna Open Access
$30 co-pay

Occupational Therapy

45 visits per year

HD500 Plan
HD500 Plan — JPS / Cook Children's
10% after deductible
HD500 Plan — Cigna Open Access
30% after deductible
HD250 Plan
HD250 Plan — JPS / Cook Children's
10% after deductible
HD250 Plan — Cigna Open Access
30% after deductible
EPO Plan
EPO Plan — JPS / Cook Children's
$40 co-pay
EPO Plan — Cigna Open Access
$80 co-pay
  • *Individual-in-Family deductible applies to the HD250 Plan only.
Your Cost for Coverage

JPS Health Network offers you quality care and helps you and your family save money. Your bi-weekly payroll deductions for medical are shown in the table. Medical plan premiums are based on your pay rate times your FTE (full time equivalent) percent and annualized. All benefits-eligible part-time team members with an FTE of .74 or less are included in Tier 5.

JPS proudly pays an average of 75% of your medical premium.

Premium tiers will adjust throughout the year based upon individual salary and status changes.

Bi-Weekly Payroll Deductions by Plan and Salary Tier

Benefit Plan Team Member Only Team Member + Spouse Team Member + 1 Child Team Member + Children Team Member + Family
Tier 1: Salary under $48k
HD500 Plan $0.00 $61.44 $4.79 $15.96 $80.85
HD250 Plan $14.75 $111.76 $26.80 $41.77 $138.52
EPO Plan $36.87 $217.97 $62.21 $88.48 $265.44
Tier 2: Salary $48k to $65k
HD500 Plan $10.64 $119.95 $26.33 $44.68 $165.96
HD250 Plan $32.37 $186.87 $64.45 $91.97 $247.77
EPO Plan $70.28 $347.23 $134.79 $185.25 $453.46
Tier 3: Salary $65k to $82k
HD500 Plan $21.28 $178.46 $47.88 $73.41 $251.07
HD250 Plan $49.99 $261.98 $102.10 $142.17 $357.02
EPO Plan $103.69 $476.50 $207.37 $282.03 $641.47
Tier 4: Salary $82k to $100k
HD500 Plan $31.92 $236.98 $69.42 $102.13 $336.18
HD250 Plan $67.61 $337.10 $139.75 $192.37 $466.27
EPO Plan $137.10 $605.76 $279.95 $378.80 $829.49
Tier 5: Salary $100k+ & Part-Time
HD500 Plan $42.55 $295.49 $90.96 $130.86 $421.29
HD250 Plan $85.22 $412.21 $177.40 $242.57 $575.52
EPO Plan $170.51 $735.02 $352.53 $475.58 $1,017.51
Provider

Cigna

1-888-854-7085

mycigna.com

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