Medical Plan – Cigna

Everglades College Inc. is pleased to offer five different plans through CIGNA medical plans to fit your and your family’s needs. Starting January 1, 2027, you will have a single point of contact for all your health and welfare needs.

What is the overall deductible? Generally, you must pay all the costs from providers up to the deductible amount before this plan begins to pay. Suppose you have other family members on the plan. In that case, each family member must meet their deductible until the total amount of deductible expenses paid by all family members meets the overall family deductible.

Are there services covered before you meet your deductible?
Yes. Preventive care services are covered before you meet your deductible.
What is the out–of–pocket limit for this plan?
The out-of-pocket limit is the most you could pay in a year for covered services. If you have other family members in this plan, they must meet their out-of-pocket limits until the overall family out-of-pocket limit has been met.
What is not included in the out–of–pocket limit?
This plan doesn’t cover penalties, premiums, balance billing charges, and health care. Even though you pay these expenses, they don’t count toward the out-of-pocket limit.

Medical Benefits Contribution Change: Employees are entitled to the Annual Physical Exam with a Non-Provider. Click Here to find the Annual Physical Exam with a Non-Provider by September 30th, 2026! An annual physical exam is a yearly preventative visit to a primary care provider (General practitioners, Internists, and Family Medicine providers) to assess overall health, screen for potential issues, update necessary vaccinations, and discuss lifestyle factors to promote wellness. These checkups can involve measuring vital signs, performing physical examinations of different body parts, and ordering tests like blood work or imaging to detect or prevent conditions like high blood pressure, high cholesterol, or chronic diseases before they become serious.

• Click to submit the Keiser/ Everglades University Annual Physical Online Submission by 9/30/26!

IMPORTANT TO NOTE:

• Bi-weekly payroll deductions do not cover all expenses, such as copays and deductibles.
  Imputed Income will be added to employee earnings for employees who provide healthcare to domestic partners and children over the age of 25.
• Employees providing health coverage to a domestic partner or children over the age of 25 (who are not tax dependents under IRS rules), are required to have imputed income for the health coverage market value of the covered person(s) added to their earnings and will pay taxes on those earnings.

****  Please note that to find a provider, the network is Cigna and the group/policy number is 3347022.

The Cigna pre-enrollment line is open, and employees can call 1-888-806-5042. This line will remain open year-round.