Overview

Our benefits program includes medical plan options with a range of coverage levels and costs, so you can choose the one that’s best for you. You can enroll as a new hire, during Open Enrollment, or if you have a qualifying life event. To enroll, log in to Workday. If you have questions about your medical coverage, visit ​Rightway or call 833-689-0440.

For help selecting a medical plan, use the PLANselect Benefits Decision Support Tool.

For help selecting a medical plan, use the PLANselect Benefits Decision Support Tool.

Cigna Plans

Kaiser Plans

The Cigna HDHP is a high-deductible coverage with a tax-free Health Savings Account (HSA) that helps you save money and plan ahead for future medical expenses. This combination gives you more control over your money and rewards you for making healthy, cost-conscious choices.

As an added bonus, Conga will contribute to your HSA: $500 for employee-only coverage or $1,000 if you cover dependents. With the Cigna HDHP plan, you can see any provider you wish, but you’ll pay less when you stay in network.

The Cigna HDHP covers a wide range of range of health care services, including doctors' services, inpatient and outpatient hospital care, prescription drug coverage, pregnancy and childbirth, fertility services, mental health services, and more.

How the Cigna HDHP Works

The Cigna OAP 750 offers slightly lower out-of-pocket costs in exchange for higher premiums. With this plan, your costs are more predictable, but you’ll likely still have out-of-pocket expenses. You can see any provider you wish, but you will pay less when you stay in network.

The Cigna OAP 750 covers a wide range of range of health care services, including doctors' services, inpatient and outpatient hospital care, prescription drug coverage, pregnancy and childbirth, fertility services, mental health services, and more.

The Kaiser HMO (CA) and Kaiser HMO (CO) plans provide coverage only when you receive care from providers within the Kaiser network. Your primary care provider (PCP) will coordinate your care.

How the Kaiser HMO (CA) and Kaiser HMO (CO) Works

When you enroll in a Conga medical plan, you automatically receive prescription drug coverage.

Drug Tiers

The cost of prescription drugs under each medical plan depends on the type of medication — generic, preferred, or non-preferred. All prescription carriers have a formulary, which is their list of preferred drugs based on effectiveness and cost.

Check the Formulary

See how medications are covered through Cigna and Kaiser

Prescription Management Programs

Your Cigna pharmacy benefits include several programs aimed at ensuring your safety and making sure you receive the most clinically appropriate and cost-effective medication.

Dispense as Written: When available, your prescription will be filled with a generic alternative to a brand-name medication. Generic drugs have the same primary medication ingredient, are equally safe and effective, and are taken at the same dose, but cost significantly less than brand-name medications. If you request a brand-name drug when there is a generic equivalent available, you will pay the brand copay or coinsurance, plus the cost difference between the brand and generic drug. However, if your doctor indicates “Dispense as Written/DAW” on the prescription, you will not pay the cost difference, and will pay only the brand copay or coinsurance.

Prior Authorization: Some medications may require prior authorization. This means that Cigna needs more information from your doctor to determine if the medication is the best option for you and will be approved for coverage. You can find medications that require prior authorization on Cigna website.

Step Therapy: Step Therapy encourages you to try the most cost-effective and appropriate medications available to treat your condition. Typically, these medications are generics or lower-cost brand-name medications. You need to try these first, before more expensive medications are approved for coverage. At any time, if your provider feels a first-line medication isn’t right for you due to medical reasons, he or she can request authorization for coverage of a different medication.

Rightway is a service that will help you get the highest quality and most complete care at the lowest cost. Use an intuitive app to connect with a dedicated health guide, who can make finding healthcare easy and straightforward. Rightway will work alongside our current health plan to help you with anything you need —before and after seeing a doctor.

Using Rightway is like having a doctor in your family, who knows the ins and outs of the healthcare system and is ready to help guide you through it. Rightway health guides can match you with the doctor you need, make appointments for you, provide upfront pricing, and help you understand the next steps if you feel unwell. They can also help perform a health assessment and discuss your health goals; sometimes, they can even uncover a health need!

Rightway is a covered benefit, meaning it’s FREE for you to use. Start using Rightway by downloading the app from the App Store or Google Play and activating your account. Once logged in, please fill out the Health Assessment Form. There are only 12 questions, which will take just a couple of minutes.

Connect with your health guide through the Rightway app to:

• Find the best doctor and book your appointment.
• Review your symptoms and figure out the next steps.
• Create a tailored care plan for ongoing conditions.
• Get upfront pricing on your medical and dental visits.

Use Rightway for everything healthcare.

• Not sure what’s covered? Your health guide can answer your health insurance questions.
• Unexpected bill? Rightway can explain it and even dispute charges on your behalf.
• Have a different question? Your guide is a healthcare expert who is dedicated to helping you find answers.

Rightway recommends members access via the app or browser instance for optimal experience. For more information, check out the Rightway Quick Start Flyer. Or, to speak with a representative, call 833-689-0440.

Consider using your carrier’s telehealth programs where you can see a doctor on your computer or mobile device and get answers 24/7.

• Cigna: Cigna Healthcare offers a number of virtual care options depending on your plan. These include talking to a board-certified doctor for minor medical issues and concerns. Providers can send prescription orders directly to your pharmacy, if needed. Wellness exams and appointments for urgent care issues may also be available by virtual visit. All services are accessible through myCigna.
• Kaiser: Schedule an appointment with your doctor, meet with a specialist, or have an on-demand video visit with an on-call physician. Ask your doctor about availability.

When you think about the financial impact of your health care choices, you can help lower costs for yourself and the entire company. Get the most from your medical benefits by following these tips to be well and buy smart:

1. Use in-network providers. They’ve agreed to charge only up to negotiated rates and bill your insurance company directly, which saves you money and time. Also, check with your insurance company to ensure that a service is covered before you receive care. Note: If you’re enrolling in an HMO plan (if available in your area), the plan only pays benefits for care received in network, unless you have an emergency or need urgent care.
2. Keep up with preventive care. It’s covered in full by all of our medical plans and can help detect and prevent potentially serious and costly health issues early. You pay nothing for annual physicals, recommended immunizations, routine cancer screenings, and more when you see in-network providers.
3. Use tax-free money to pay for eligible health expenses. If you’re enrolled in the Cigna HDHP, you can contribute to a Health Savings Account (HSA). If you’re enrolled in the Cigna OAP 750 or a Kaiser HMO, you can contribute to a Flexible Spending Account (FSA). (You can also contribute to an FSA if you don't elect medical coverage through Conga.) HSAs and FSAs are easy to use and save you money. You can set aside pre-tax dollars from your paycheck to use for your out-of-pocket costs. 
   Keep in mind that with an HSA, you can only spend contributions that have actually been deposited into your account. And with an FSA, you can only carry over up to $660 of unused money in your FSA to the next year; you will forfeit amounts above $660.
4. Shop smart for prescriptions. Using generic alternatives will almost always save you money — and they’re just as effective as brand-name prescriptions. Also, try calling a few local pharmacies to compare prices before deciding where to fill a prescription. For your ongoing prescriptions, use the mail-order program to save money and time.
5. Choose the right place to get care. Facilities charge different amounts for the same services, so think about your options when you or a family member needs medical attention. Use the guide below to help you save money and choose the most appropriate care for your situation.