Hanover County offers three open access (no referrals required for specialist visits) plans through our Cigna plan
Premium - no deductibles for in-network benefits and no additional coinsurance for in-network benefits after co-pays
Standard $750 deductible for single coverage/ $1,500 for family coverage and a 20% coinsurance required for most services
Consumer Driven Health Plan (CDHP) with a Health Savings Account (HSA) - lower cost option with $2,800 single $5,600 family deductible. The County currently contributes to the HSA to assist the employee in meeting the deductibles
Note: If you or your spouse currently participate in a Medical FSA you cannot participate in the HSA
All three plans include prescription and vision benefits, in-network preventive care services covered at no cost and out of network benefits.