At Inovalon your continued health is important to us. Our goal is to provide you with meaningful choices to fit your needs while ensuring you have access to quality and affordable care.

You have two medical plan options:

  • Cigna Open Access Plus (OAP) PPO
  • Cigna Choice Fund OAP with a Health Savings Account (HSA)

The key differences between the plans are the deductibles, copays, out-of-pocket maximums and the amount you’ll pay each pay date for plan coverage. In addition, the Cigna Choice Fund OAP includes a health savings account (HSA).

  • You may see any doctor. Referrals are not required to see a specialist. You will save money if you use in-network providers.
  • Prescription drug coverage is also provided. See details below.
  • Cigna Virtual Care: For less cost than a typical in-office doctor’s visit, you can see a doctor via video or phone for routine medical and acute care conditions and behavioral health needs. For more information, click here:
  • You and your enrolled dependents may be eligible for Omada Health, a service that provides you with a personal health coach and digital tools to help you achieve your health goals – all at no cost to you. For more information, click here.

Comparing Your Medical Plan Options

2021 medical plan design

Preauthorization is required for certain services. For a list of services, go to www.myCigna.com.

If you cover any dependents on the Choice Fund OAP HSA plan, the full family deductible must be met before the plan will start to pay.

  1. The Cigna Care Network (CCN) consists of Health Care Professionals that are assigned the Cigna Care Designation (CCD), meaning that they meet Cigna’s criteria for certain quality and cost-efficiency measures. The Cigna Care Network (CCN) provides a higher level of in-network benefits (coinsurance and/or copayment), so you pay less when you visit a CCN provider. Visit myCigna.com to locate a CCN provider in your area.
  2. When you request a preferred or non-preferred brand drug, you pay the brand cost-share plus the cost difference between the brand and generic drugs up to the cost of the brand drug (unless your physician indicates “Dispense as Written”).
  3. Certain prescriptions that are considered to be preventive under federal law are mandated to be covered in full and the noted cost-sharing does not apply. For a list of ACA-approved preventive care, go to healthcare.gov.

Medical and Prescription
Biweekly Payroll Contributions

2022 medical biweekly contributions

Save time and money with Cigna Home Delivery Pharmacy

Your prescription drug coverage includes a mail-order prescription drug program, Cigna Home Delivery Pharmacy, that will deliver a 3-month supply of routine maintenance drugs to your home – for the same cost as a 2-month supply if you had your prescription filled at a local pharmacy. Specialty medications are limited to a 30-day supply. For more information, go to myCigna.com.

Find an In-Network Provider

In-network providers have agreed to accept a reduced rate for their services, so you pay less out of your pocket for care. To see if your doctor is in Cigna’s national network of providers, visit hcpdirectory.cigna.com or call 1-800-CIGNA24.

Medical Plan ID cards

All new hires who enroll in Cigna medical plan coverage will receive a Cigna ID card to use for both medical and prescription drug coverage. ID card(s) will be mailed to you generally within two weeks after you enroll in coverage. Cigna will mail an ID for each covered dependent that you enroll. For example, a family of five would receive five ID cards.

Electronic ID cards
If you need an ID card before your new one arrives in the mail, you may download or print your ID card by logging onto myCigna.com. You may also view, print or view ID card information right from your mobile device when you download the myCigna app.

Transparency in Coverage: Effective 07/01/2022, click here to view the machine-readable files that are made available in response to the federal Transparency in Coverage Rule which 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.

For more detailed information, see the Summary Plan Description.

Your Rights and Protections Against Surprise Medical Bills

Travel Benefits under the Inovalon Medical Plan – flyer

Travel Benefits under the Inovalon Medical Plan – infographic

 

Prescription Drug Coverage

Each medical plan automatically comes with prescription drug coverage through Cigna. You will use your medical plan ID card to fill prescriptions at one of Cigna’s participating pharmacies. Participating chain retail pharmacies include CVS, Costco, Walgreens, Rite Aid and several others. For a full list of participating chain retail pharmacies, go to myCigna.com.

Here’s some important information to know about the prescription drug benefits under both plans:

The plans have a mandatory generic program. If you choose a brand name drug when a generic alternative is available, you will be charged the brand copay plus the cost difference between the brand name drug and the generic drug up to the cost of the brand drug. If your provider indicates “Dispense as Written” on your prescription, this additional charge will be waived. To find estimated costs of prescription medications nearest you, go to myCigna.com.

Your prescription drug coverage includes a mail-order prescription drug program, Cigna Home Delivery Pharmacy, that will deliver a 3-month supply of routine maintenance drugs to your home – for the same cost as a 2-month supply if you had your prescription filled at a local pharmacy. Specialty medications are limited to a 30-day supply. For more information, go to myCigna.com.

Go to myCigna.com or use the myCigna Mobile App to find information about participating pharmacies, specialty medication, view a drug dictionary, search by drug name, research generic drug availability and much more.

Personalized support for complex medical conditions. Cigna’s Specialty Pharmacy, Accredo, provides a team of specialty-trained pharmacists and nurses that will provide you with the personalized care and support you need to manage your complex medical condition. This includes counseling and training on how to administer your specialty medication. They’ll help you work through side effects, check in with you and your doctor to see how your therapy’s going, help you get your medications approved for coverage, and more.

Confidential medication support. Talk with a pharmacist about your medication, interactions and side effects.

Make sure you’re paying the best price for your medication. Prescription prices can vary by pharmacy. Before you fill your prescription, compare your costs online. Use the Price a Medication feature on the myCigna app or myCigna.com to see how much your medication may cost you at the different pharmacies in your plan’s network. You can also see if there are lower-cost alternatives available.

Get reminders to take your medication. We’ll also remind you when it’s time to refill your prescription.

Ready to enroll or make benefits changes?

Log In
Contact the Inovalon Benefits Center for questions and enrollment help (M-F 8:00 a.m. – 5:30 p.m. ET)
1-888-896-8031
inovalon@assuredpartners.com