AlphaSense is committed to helping you and your dependents maintain health and wellness by providing you with access to the highest levels of care. We offer you a choice of three medical plan options: PPO OAP Gold Plan, CDHP OAP Gold Plan, CDHP OAP Silver Plan.

If you choose, you can open a Health Savings Account (HSA) with either of the CDHP plans, but not the PPO Gold Plan.

Visit the Resources page to view important documents.

Cigna

Medical and Prescription Drug Plan Summary and Rates

MedicalPPO OAP Gold PlanCDHP OAP Gold PlanCDHP OAP Silver Plan
In-network
Out-of-network
In-network
Out-of-network
In-network
Out-of-network
Deductible
Employee only
Family		$500
$1,000
(embedded)		$2,000
$4,000
(embedded)		$1,650
$3,300
(non-embedded)		$3,000
$6,000
(non-embedded)		$2,800
$5,600
(non-embedded)		$2,800
$5,600
(non-embedded)
Coinsurance (what the plan pays after the deductible is reached)90%70%90%70%90%70%
Out-of-pocket maximum
(includes deductible)
Employee only
Family		$4,000
$8,000		$8,000
$16,000		$2,500
$5,000
(non-embedded)		$10,000
$20,000
(non-embedded)		$5,000
$10,000
(embedded)		$10,000
$20,000
(embedded)
Preventive care100%Ded & Coins100%Ded & Coins100%Ded & Coins
Office visit (PCP/specialist)$20/$4070% CoinsDed & CoinsDed & CoinsDed & CoinsDed & Coins
Emergency room$150$150Ded & CoinsDed & CoinsDed & CoinsDed & Coins
Urgent care$50Ded & CoinsDed & CoinsDed & CoinsDed & CoinsDed & Coins
Inpatient careDed & CoinsDed & CoinsDed & CoinsDed & CoinsDed & CoinsDed & Coins
Outpatient careDed & CoinsDed & CoinsDed & CoinsDed & CoinsDed & CoinsDed & Coins
Prescription drugsEmployee pays
Retail (30-day supply)In-networkOut-of-networkIn-networkOut-of-networkIn-networkOut-of-network
Deductible appliesDeductible applies
Tier 1 Generics$10N/A$10N/A$10N/A
Tier 2 Preferred$25N/A$25N/A$25N/A
Tier 3 Nonpreferred$50N/A$50N/A$50N/A
Mail order (90-day supply)In-networkOut-of-networkIn-networkOut-of-networkIn-networkOut-of-network
Tier 1 Generics$20N/A$20N/A$20N/A
Tier 2 Preferred$50N/A$50N/A$50N/A
Tier 3 Nonpreferred$100N/A$100N/A$100N/A

Non-Embedded means that if you are enrolled in a tier other than Employee Only, your entire family must meet the Family Deductible or Out-of-Pocket Maximum combined before the plan starts paying coinsurance or covers the rest of the family’s covered services at 100%, respectively.

Embedded means that even if enrolled in a tier other than Employee Only, each individual on the plan must meet the Individual Deductible or Out-of-Pocket Maximum before the plan starts paying coinsurance or 100% of the costs for that member’s services, respectively, even if the overall Family Deductible or Out-of-Pocket Maximum has not been met.

There will be no changes to premiums for 2025.

PPO OAP Gold PlanCDHP OAP Gold PlanCDHP OAP Silver Plan
Employee$195.86$122.12$86.04
Employee + spouse$464.95$298.29$221.01
Employee + child(ren)$420.67$271.60$202.57
Family$664.21$418.40$303.94

MedicalPPO OAP Gold PlanCDHP OAP Gold PlanCDHP OAP Silver Plan
In-networkOut-of-networkIn-networkOut-of-networkIn-networkOut-of-network
Deductible
Employee only
Family		$500
$1,000		$2,000
$4,000		$1,600
$3,200		$3,000
$6,000		$2,800
$5,600		$2,800
$5,600
Coinsurance (what the plan pays after the deductible is reached)90%70%90%70%90%70%
Out-of-pocket maximum
(includes deductible)
Employee only
Family		$4,000
$8,000		$8,000
$16,000		$2,500
$5,000		$10,000
$20,000		$5,000
$10,000		$10,000
$20,000
Preventive care100%Ded & Coins100%Ded & Coins100%Ded & Coins
Office visit (PCP/specialist)$20/$4070% CoinsDed & CoinsDed & CoinsDed & CoinsDed & Coins
Emergency room$150$150Ded & CoinsDed & CoinsDed & CoinsDed & Coins
Urgent care$50Ded & CoinsDed & CoinsDed & CoinsDed & CoinsDed & Coins
Inpatient careDed & CoinsDed & CoinsDed & CoinsDed & CoinsDed & CoinsDed & Coins
Outpatient careDed & CoinsDed & CoinsDed & CoinsDed & CoinsDed & CoinsDed & Coins
Prescription drugsEmployee pays
Retail (30-day supply)In-networkOut-of-networkIn-networkOut-of-networkIn-networkOut-of-network
Deductible appliesDeductible applies
Tier 1 Generics$10N/A$10N/A$10N/A
Tier 2 Preferred$25N/A$25N/A$25N/A
Tier 3 Nonpreferred$50N/A$50N/A$50N/A
Mail order (90-day supply)In-networkOut-of-networkIn-networkOut-of-networkIn-networkOut-of-network
Tier 1 Generics$20N/A$20N/A$20N/A
Tier 2 Preferred$50N/A$50N/A$50N/A
Tier 3 Nonpreferred$100N/A$100N/A$100N/A

Prescription Drug List

The prescription medication you take is an important part of your healthcare journey, whether it is for a short-term or on an ongoing basis. Cigna provides a comprehensive list of medications available to those enrolled in our health plan. We encourage you to review and be up-to-date on any changes to the medications available on this plan by clicking here.

Click Drug Lists for Employer Plans, and then under Cigna Performance Prescription Drug List, click 3 Tier PDF. From there, you can look up your prescription medication on the most up to date formulary available through Cigna.

January 1, 2025 Prescription Drug List

If you have any questions, please do not hesitate to reach out to Cigna directly at (866) 494-2111.

Ready to enroll?

Visit Workday, our enrollment site, to learn more and enroll in your benefits.