Cigna OAP HSA
High Deductible Health Plan
The Cigna OAP HSA is a Qualified High Deductible Health Plan (QHDHP) that allows for participation in a Health Savings Account (HSA). Please note, the HSA is a separate benefit plan which you must elect in addition to the QHDHP medical plan.
The medical plan utilizes the Cigna Open Access Plus (OAP) national network of participating in-network providers while allowing the freedom of both in and out-of-network coverage. All services excluding preventive care and some preventative maintenance medications are subject to the deductible which must be met before plan benefits will begin. For an easy to read summary of the plan's benefits and coverage click the Summary of Benefits and Coverage link located in the Resources section below.
If you have questions or need assistance, please contact Cigna at 1-800-244-6224 or . Participants can also contact the PSA Benefits Hotline at 1-877-716-6618 or email Loyola@psafinancial.com.
IMPORTANT MESSAGE - Critical Information about Transparency in Coverage
This link - , leads to the machine readable files that are made available in response to the federal Transparency in Coverage Rule and includes negotiated service rates and out-of-network allowed amounts between health plans and healthcare providers. The machine-readable files are formatted to allow researchers, regulators, and application developers to more easily access and analyze data.
Wellness
Complete the Wellness Steps July 1st - October 31st
All enrolled employees and their enrolled spouse or legally domiciled adult must complete
their online health assessment to continue to be eligible for the reduced medical
plan premiums.
Starting July 1, 2025, Cigna will no longer require you to enter the date of your
preventive exam. Instead, they will automatically verify whether an exam was completed
within the past 12 months. If you have not completed the annual preventative exam
during this timeframe, you must complete one by the deadline on October 31, 2025.
For those who do not complete their wellness steps, their payroll deduction will increase
to the non-wellness premium beginning with their first paycheck in December. Visit
the Wellness page for premium details.
To begin, login at , go to the Wellness tab and click on the Wellness Home link. For additional information go to our Wellness page.
Omada Program - Get healthy, your way!
Omada is a personalized, virtual care program that empowers you to achieve your health goals - whether that鈥檚 losing weight, gaining energy, or improving your overall health through sustainable lifestyle change. Combining data-powered human coaching, connected devices, and curriculum tailored to your specific circumstances, the program is designed to help you build healthy patterns for life. See if you are eligible by answering a few questions at .
Accessing Care
Digital ID Cards
Enrolled participants will not receive a physical ID card. Digital IDs are available
for downloading at . With a digital ID card you never have to worry about losing or misplacing your card(s).
To get your digital ID card:
- Log in at . Newly enrolled participants must register to create their online account first.
- Click or tap 鈥淚D Cards鈥�
- View your card(s), as well as any dependents鈥� cards
- Save or print ID card(s)
麻豆官网首页入口 is a religious institution and has a (birth control coverage) exemption as a 鈥渞eligious employer鈥� and prescriptions for contraceptives are excluded on the Loyola medical plan. However, these services are available directly from Cigna. Access the benefit by providing your insurance card as you normally do to an in-network pharmacy (services and procedures will not be covered out-of-network). Cigna will in turn arrange payment directly to the pharmacy. Contact Cigna directly at 1-800-244-6224 for additional information.
Mental Health/Substance Abuse
The Plan provides inpatient, intermediate and outpatient care. Please see the OAP HSA Summary of Benefits and Coverage for more information.
Prescription Drug Plan
Participants in the plan automatically participate in the prescription drug plan. You can choose between retail and mail order options. Your prescription benefits are structured to take advantage of the savings associated with generic drugs. With Restricted Generics, you will save the most by choosing generic drugs (when available) versus brand-name drugs. Unless you doctor writes 鈥淒ispense as Written鈥� of DAW on your brand-name drug prescription, you will pay both the non-preferred brand copay plus the cost difference between the generic and brand-name drug.
Health care reform under the Patient Protection and Affordable Care Act (PPACA) requires plans to cover certain preventive medications and products at 100% or no cost-share ($0) to you. Therefore, select generic prescriptions are available to you at no cost even if you haven't met your deductible. Visit mycigna.com to learn more about how the plan covers preventive medications.
If you are taking maintenance prescription medication, we encourage you to review Express Scripts Pharmacy benefits. Express Scripts Pharmacy is Cigna鈥檚 home delivery pharmacy vendor.
Health Savings Account "HSA" with Bank of America
When you enroll in the OAP HSA (HDHP) medical plan, you are eligible to open a Health Savings Account (HSA). HSA enrollment is not automatic 鈥� you must actively enroll and select a per鈥憄ay鈥憄eriod contribution amount. If you are unsure how much to contribute, you may elect $0 and change your contribution later. The HSA is the only benefit plan that allows contribution changes at any time during the plan year.
An HSA helps you save money by allowing you to pay for qualified health care expenses with tax鈥慺ree dollars. Funds can be used for eligible medical and prescription drug expenses before meeting your deductible, as well as for coinsurance, copayments, and other out鈥憃f鈥憄ocket costs. HSA funds may also be used for eligible dental and vision expenses for you and your tax dependents 鈥� even if they are not enrolled in your medical plan. To be eligible to open and contribute to an HSA, you must be enrolled in an HSA鈥憅ualified health plan and cannot be covered by other non鈥慔SA鈥憅ualified health insurance, including Medicare or a spouse鈥檚 Health Care FSA.
Employer Contribution
Loyola contributes to your HSA, with contribution amounts based on your coverage level. This contribution is deposited as a one鈥憈ime lump sum at the beginning of the benefit plan year. New hires and newly eligible employees who enroll after July 1st will receive a prorated contribution. Contribution amounts are subject to change; please refer to the for the current employer contribution details.
Learn about the HSA with Bank of America:
Plan Documents
The following plan documents are available on the SPD page.
- Summary of Benefits and Coverage (SBC): Easy to understand overview of the plan's benefits and coverage.
- Benefits Summary
- Summary Plan Description (SPD): Easy to read summary of the plan's features such as eligibility, participant obligations, and provides important contact information for the plan鈥檚 fiduciaries.
The information on this site is provided for general reference and may be updated
or changed at any time. The University reserves the right to modify, amend, suspend,
or discontinue policies or programs without prior notice.
While every effort has been made to ensure accuracy, in the event of any discrepancy,
the official policy documents will govern. Please rely on the written descriptions
in the policy manual, as oral explanations are not binding. Employees should contact the Office of People and Culture or the appropriate administrator for the most current
and authoritative guidance.