Medical Coverage Options
We understand that satisfying your family’s health care needs is one of the first things you look for in your employee benefits package. CBA is pleased to offer two plans through Vault Health. Both plans use the Cigna provider network. The key difference between the plans is the amount of money you will pay each pay period and when you need care. The plans also differ in:
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Calendar year deductibles – the amount you pay each year for eligible in-network and out-of-network charges before the plan begins to pay
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Out-of-pocket maximums – the most you pay each year for eligible services, including prescriptions
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Copays and coinsurance – the money you pay toward the cost of covered services
Both plans cover in-network preventive care at 100% and they allow you to see an in-network or out-of-network provider for other services. When you use in-network providers, you receive benefits at a discounted network cost. You will pay more for out-of-network providers.
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See Isolved for the 2025 medical plan rates during enrollment.
$6,350 HDHP (HSA-eligible)
The High Deductible Health Plan (HDHP) has a significantly lower payroll deduction, but you must meet a higher deductible before the plan begins to pay. Our HDHP is combined with a tax-advantaged personal savings account called a Health Savings Account (HSA). With an HSA, you can pay for current health expenses and/or save for future qualified expenses on a pre-tax basis.
Silver PPO Plan
The Preferred Provider Organization (PPO) plan has a lower deductible and a higher payroll deduction. Providers typically charge a copay before the plan begins to pay.
