Human Resources: Employee Benefits

CIGNA Choice Fund® Features

Here’s more information about each plan component:

Health Reimbursement Arrangement (HRA) “Fund”

  • If you choose CIGNA Choice Fund, Metro will establish a fund with tax-free dollars you use to pay for covered medical and prescription expenses
  • Extra dollars will be credited to your HRA fund upon completion of certain incentive programs
  • You decide how and where to spend your fund dollars on covered medical and prescription expenses. You have the option to see out-of-network providers, but your fund dollars will go further when you visit in-network providers
  • The fund pays for all covered medical expenses first before you pay your share
  • This fund may only be used for medical and pharmacy expenses covered by the plan

Your Share of Deductible

  • Your share is the amount you pay out-of-pocket after your fund is spent and before the medical plan starts paying any expenses
  • If you spend all the money in your fund, you are responsible for paying for covered expenses until you satisfy the plan deductible
  • If you do not spend all the dollars in your fund, those remaining dollars are added to your fund at the start of the next year

HRA “Fund” + Your Share of Deductible = Annual Deductible

Plan Pays 90% for most services

  • Once you meet the annual deductible, the medical plan starts to pay expenses
  • The plan works like a PPO with in-network and out-of-network providers; however, there are no copays
  • You can visit in-network providers anywhere in the United States
  • For medical expenses, you pay 10% of the discounted cost, called coinsurance, up to the annual out-of-pocket maximum. The plan pays 90% of the cost of covered services received from in-network doctors. *Once you meet your out-of-pocket maximum, you will not have to pay any deductible or coinsurance for the remainder of the calendar year.  All covered services and prescription drugs will be paid 100% by the plan through the end of the year.
  • For generic drug expenses, you pay 10% of the discounted cost and the plan pays 90% ; for brand prescription drug expenses the plan pays 70% and you pay 30%. *Once you meet your out-of-pocket maximum, you will not have to pay any deductible or coinsurance for the remainder of the calendar year.  All covered services and prescription drugs will be paid 100% by the plan through the end of the year.
  • When the annual out-of-pocket maximum is met, the plan pays 100% of covered expenses. This protects you and your family from any medical expenses for the remainder of the year

Preventive Care

  • At any time during the year, you can take advantage of in-network preventive care services at no cost to you
  • Covered preventive care services may include:
    • Annual physical exams
    • Immunizations
    • Mammograms
    • Colonoscopy
    • Pap smear
    • Prostate screenings
    • And certain other healthcare screenings
  • In-network preventive care services will not reduce your HRA fund, but out-of-network preventive services will be charged like any other expense