Overview

Everyone has different needs when it comes to health care coverage, so it’s important to offer a variety of choices. For 2022, Citi is expanding its medical plan offerings with a new addition: the In-network Only Plan. With more options, you’ll have additional opportunities to find a plan that provides the right coverage and value for you and your family.

We’re also changing the names of the ChoicePlan 500 and the High Deductible Health Plan to highlight their key features. Plan features — including deductibles and coverage — will remain the same.

Changes to Medical Plan Names


Annual Enrollment will be October 4 – 22. Take time to:

icon 
Get Ready to Enroll

Annual Enrollment for your 2022 benefits begins October 4 and ends October 22, 2021. This is your opportunity to take a close look at all of your options, think about your health care needs for 2022 and choose the coverage that will best help you live well throughout the year. Citi will offer more options and new features for 2022, so you should take a close look at all the benefits available to you during Annual Enrollment.

Review the information below to better understand your medical plan options. You can also use the resources and tools available to you, like ALEX, a fun, interactive tool that can assist you with your decisions starting October 4.

2022 Medical Plan Options

Citi strives to offer something for everyone. That’s one of the reasons why we’re adding a new medical plan option for 2022.

New! In-network Only Plan

The new In-network Only Plan offers the same comprehensive coverage you expect from a Citi medical plan, and it’s administered by your choice of Aetna or Anthem BlueCross BlueShield, like the Choice Plan and High Deductible Plan with HSA.

There are two key features of this plan:

  1. You’re covered only when you receive care from a smaller network of doctors and hospitals who consistently deliver high-quality care at lower costs. These smaller networks — the Aetna Premier Care Plus Network (APCN+) and Anthem’s National Blue High Performance Network (Blue HPN Non-Tiered) — are subsets of the broader Aetna and Anthem networks. Before you enroll in this plan, make sure the doctors and hospitals you use or want to use belong to the smaller network. Note: In certain parts of the country, one or both of the networks may not be available. If neither network is available in your area, the In-network Only Plan won’t be offered to you when you enroll.
  2. You pay a flat copay for most health care, so you’ll know in advance exactly what your cost will be. There’s a deductible to meet for some services, like when you need care at a hospital, but it’s lower than in Citi’s other plans. The deductible doesn’t apply to most care received outside a hospital, including doctor’s office visits, urgent care, physical therapy and much more.
iconCheck the Networks to Ensure Your Doctors and Hospitals Are Covered

Before electing the In-network Only Plan, make sure your current doctors and hospitals belong to the APCN+ or Blue HPN Non-Tiered. If they don’t, your expenses won’t be covered. The In-network Only Plan does not include out-of-network coverage, except in an emergency. However, if your current doctor isn’t in network and you’re flexible about changing to a new doctor, you can find one who is in network.

  • To check the Aetna network, use the customized doc finder tool:
    • Enter your home ZIP code in the 2022 Provider Search box, then click “Start Your Search.” This automatically brings you to the APCN+ network directory.
    • Enter your ZIP code again and continue as a guest to search for in-network doctors.
  • To check the Anthem network, use the Find Care tool:
    • Select the “Guests” tile then choose “Medical” for the type of care.
    • Choose the state you want to search in.
    • Select Medical (Employer-Sponsored) for type of plan.
    • Select National Blue High Performance Network (Blue HPN Non-Tiered) for the plan/network.
    • Click the “Continue” button and enter your ZIP code on the next screen to begin your search.
    • You can also learn more about this Anthem network by watching a video, taking an interactive quiz and reading information online.
  • For personalized assistance, call your Citi Health Concierge:
  • Or, call your doctor’s office.

Find the right benefits for you. Your 2022 Citi medical plan options include:

ClipboardIn-network Only Plan – NEW!

Offers coverage from a smaller network of doctors and hospitals that deliver high-quality care at lower costs. If you get care outside the smaller network, it won’t be covered (except in emergencies). Paycheck deductions fall in between the cost of the other two options.

ClipboardChoice Plan

Offers the flexibility to choose any doctor or hospital when you need care, though you’ll pay less when you stay in-network. You pay higher paycheck deductions, but have a lower deductible than the High Deductible Plan with HSA. After meeting the deductible, you pay a percentage of costs through coinsurance.

ClipboardHigh Deductible Plan with HSA

Similar to the Choice Plan, but you have access to a Health Savings Account (HSA) that Citi contributes to, giving you long-term saving and investment opportunities.

You pay lower paycheck deductions but have a higher deductible than the other medical plan options available.

Here’s an at-a-glance summary of the key differences between the plans:

  In-network Only Plan Choice Plan High Deductible Plan with HSA
What type of services are covered? All plans cover the same health care services and offer free in-network preventive care
Where can I receive care? Only from doctors or hospitals in either the Aetna Premier Care Plus Network (APCN+) or Anthem’s National Blue High Performance Network (Blue HPN Non-Tiered) From any doctor or hospital you want, but you’ll pay less when you stay in-network From any doctor or hospital you want, but you’ll pay less when you stay in-network
How does the cost for coverage compare? Paycheck deductions in the middle of Citi’s other plans Highest paycheck deductions Lowest paycheck deductions
What do I pay for doctor’s office visits? A flat copay ($25 for primary care/$45 for specialist); the deductible does not apply Full cost of service up to the deductible, then coinsurance Full cost of service up to the deductible, then coinsurance
What do I pay for emergency care? Deductible, then a $200 copay, which is waived if you're admitted (even out of network) Deductible, then coinsurance Deductible, then coinsurance
What do I pay for urgent care? $45 copay (even out of network); the deductible does not apply Deductible, then coinsurance Deductible, then coinsurance
What do I pay for care at a hospital? Deductible, then a flat copay ($200 for outpatient/$400 for inpatient) Deductible, then coinsurance Deductible, then coinsurance
How do the deductibles compare? Lowest deductible ($250 individual/$500 family) Deductible in the middle of Citi’s other plans ($500 individual/$1,000 family in network)* Highest deductible ($1,800 individual/$3,600 family in network)*
How do the out-of-pocket maximums compare? Out-of-pocket maximum in the middle of Citi's other plans ($4,000 individual/$8,000 family) Lowest out-of-pocket maximum ($3,000 individual/$6,000 family in network)* Highest out-of-pocket maximum ($5,000 individual/$10,000 family in network)*
Can I contribute to a tax-free account? Yes, a Health Care Spending Account (HCSA) Yes, a Health Care Spending Account (HCSA) Yes, a Health Savings Account (HSA) with a contribution from Citi, plus a Limited Purpose Health Care Spending Account (LPSA)

*These amounts are for in-network deductibles and out-of-pocket maximums only; higher deductibles and out-of-pocket maximums apply for out-of-network care.

A Closer Look at the In-network Only Plan

Plan Details: In-network Only Plan

Coverage for Medical Care What You Pay
Preventive Care 100% covered, no copay or deductible
Medical Care
Primary care physician visit – $25 copay
Specialist visit – $45 copay
Urgent care visit* – $45 copay
Emergency room* and outpatient hospital services – $200 copay after deductible
Inpatient hospital stay – $400 copay after deductible
Annual Deductible
$250 individual
$500 family
Out-of-Pocket Maximum
(includes deductible and copays)
$4,000 individual
$8,000 family

*You receive the same in-network coverage if you go to an out-of-network urgent care facility or emergency room. The emergency room copay is waived if you're admitted to the hospital.

 

Prescription Drug Coverage What You Pay
Retail
(30-day supply)
Mail Service or Maintenance Choice Program
(90-day supply)
Generic $10 copay $20 copay
Preferred brand $30 copay $75 copay
Non-preferred brand 50% coinsurance ($50 minimum, $150 maximum) 50% coinsurance ($125 minimum, $375 maximum)
Prescription Drug Annual Deductible (this is separate from the medical deductible)
$100 individual
$200 family
Prescription Drug Out-of-Pocket Maximum
(this is separate from the medical deductible)
$1,500 individual
$3,000 family

How the In-network Only Plan Works

iconIn-network Doctors and Hospitals

When you need health care, you’ll choose a doctor or hospital from the network you selected when you enrolled in the plan — either the Aetna Premier Care Plus Network (APCN+) or Anthem’s National Blue High Performance Network (Blue HPN Non-Tiered). These networks are made up of a select group of doctors and hospitals that consistently deliver high-quality care at lower costs.

iconPreventive Care

Your preventive care will be covered at 100% with no out-of-pocket cost to you and is not subject to a deductible or copay. This includes annual physicals, well-child checkups, immunizations, flu shots and cancer screenings, as well as certain preventive prescription medications.

iconCopay

A copay is a flat fee you pay for medical care. When you go to the doctor to address a health concern, you’ll pay either $25 for a primary care visit or $45 for a specialist visit. When you go to the hospital for treatment, you must first meet the medical deductible, then you pay either $200 for emergency room (waived if admitted) and outpatient care or $400 for inpatient care.

For prescriptions, you’ll pay a copay for generic and preferred brand-name drugs after meeting the separate annual deductible for prescription drugs. This deductible is the same as the prescription drug deductible for the Choice Plan. (Non-preferred brand name drugs and some specialty drugs charge a coinsurance percentage, instead of a flat copay.)

iconAnnual Deductible

The deductible does not apply to office visits — all you pay is the copay. The deductible does apply if you need care at a hospital, such as outpatient surgery or an inpatient admission. You’ll pay your hospital fees up to the plan’s annual medical deductible ($250 individual/$500 family), plus a copay ($200 for emergency room and outpatient care or $400 for inpatient care; the emergency room copay is waived if you're admitted). Note: Your prescription drug copays and coinsurance are subject to a separate annual deductible ($100 individual/$200 family).

iconOut-of-pocket Maximum

The medical out-of-pocket maximum is $4,000 individual/$8,000 family. This amount represents the most you will have to pay out of your own pocket in a calendar year for medical services. Once the out-of-pocket maximum has been satisfied, no additional medical copays will apply for the rest of the plan year. Note: Your prescription drug copays and coinsurance are subject to a separate out-of-pocket maximum ($1,500 individual/$3,000 family).

iconCan’t get to an in-network doctor? Use telehealth!

Like Citi’s other medical plans, the In-network Only Plan gives you 24/7 access to low-cost virtual doctor visits through either Teladoc for Aetna members or LiveHealthOnline for Anthem members. With telehealth, you can see an in-network board-certified doctor anywhere, anytime — even if you’re traveling out of your network area. Additional costs apply for telehealth visits.

Is the In-network Only Plan Right for You?

iconYou May Want to Consider It If:

  • Your current doctors belong to one of the plan’s networks or you’re willing to change doctors.
  • You want to pay only $25 for a primary care visit or $45 for a specialist visit.
  • You don’t already have preferred doctors, so you like the idea of your plan recommending quality doctors in your area.
  • You want the tax savings of a Health Care Spending Account and are comfortable with the “use it or lose it” rule.

closeYou May Want to Avoid It If:

  • Your doctors don’t belong to either network.
  • You want to be able to visit any doctor or hospital you choose.
  • You cover a dependent who lives outside the network service area, for example a child at college.
  • You want to contribute to a Health Savings Account, which offers the opportunity to invest and save funds for retirement, but is only available with the High Deductible Plan with HSA.
icon 
Did You Know…

About 80% of Citi employees primarily use in-network doctors? If you’re one of them, there’s a good chance your doctors are in the In-network Only Plan’s smaller networks. These smaller networks — the Aetna Premier Care Plus Network (APCN+) and Anthem’s National Blue High Performance Network (Blue HPN Non-Tiered) — are subsets of the broader Aetna and Anthem networks. Check to see if they are and then consider enrolling in the In-network Only Plan as a way to reduce your costs while receiving consistently high-quality care from doctors you know and trust.

See How Others Decide

The new In-network Only Plan offers some great advantages — like lower and more predictable costs along with access to high-quality doctors and hospitals — but it’s not for everyone. To help determine if it’s right for you, consider these profile stories:

iconMeet Camila

Camila covers just herself in Citi medical coverage. She’s healthy and typically only visits a doctor for her annual physical. She checks the networks and finds out her primary care doctor belongs to the In-network Only Plan, so that’s not an issue.

Since she usually only receives preventive care (which is free in network with all of Citi’s medical plans), Camila doesn’t want to spend more from her paycheck for coverage she doesn’t need. And, she likes the idea of building up tax-free money for future health care costs in a Health Savings Account (HSA), which is only available with the High Deductible Plan with HSA.

She does not choose the In-network Only Plan; instead, she selects the High Deductible Plan with HSA.

iconMeet Richard

Richard covers himself and his wife, Kerry, in Citi medical coverage. Kerry’s pregnant with their first child and is due next year. They’re concerned about the medical costs associated with the baby’s delivery so they take a close look at their coverage options.

Richard finds out that all of their doctors are in the Anthem National Blue High Performance Network (Blue HPN Non-Tiered). If he enrolls in the In-network Only Plan for 2022, the cost of Kerry’s delivery and hospital stay will be only $650 (a $250 deductible plus a $400 copay). They also like knowing that all the doctors in the plan’s smaller network offer high-quality care at lower costs.

Richard decides the In-network Only Plan is right for them.

iconMeet Sam

Sam is a single dad and enrolls himself and his 8-year-old son in Citi medical coverage. His son was born with a heart defect and has seen a couple different cardiologists since birth.

Sam checks the networks and sees that his son’s current doctor does not belong to either the Aetna Premier Care Plus Network (APCN+) or Anthem’s National Blue High Performance Network (Blue HPN Non-Tiered). However, a cardiologist his son used to see does belong to both.

Since Sam likes the idea of keeping his costs lower and more predictable, and he really liked the other cardiologist, he decides to choose the In-network Only Plan and switch back to the previous doctor.

iconMeet Gayle

Gayle enrolls her family in Citi medical coverage, including her 19-year-old daughter who attends college out of state. She checks the networks, and all of the doctors her family sees belong to the Aetna Premier Care Plus Network (APCN+).

However, the doctors and hospitals in the area where her daughter goes to school don’t belong to either of the In-network Only Plan’s available networks.

She wants to ensure coverage for everyone in her family, so she does not choose the In-network Only Plan. Since she doesn’t feel comfortable with a higher deductible, she decides the Choice Plan is best for her.

Tools to Help You Choose

Now that Citi is offering more medical plan options, we know you have a lot to think about — we’re here to help. Use these resources to decide which medical plan may be right for you.

ControlALEX

(starting October 4)

 

Use this fun, interactive decision tool to help you make an informed choice about your benefits. It’s confidential and completely independent from Citi.

Telephonic CoachingHealth Advocate

1 (866) 449-9933

 

Don’t know where to start? You can call Health Advocate to receive personalized assistance. This confidential resource is completely independent from Citi and can connect you with a health benefits expert to answer your questions. Call 1 (866) 449-9933.

If you’re already an Aetna or Anthem member, you can also receive help from your Citi Health Concierge, who can check networks and answer questions about coverage: