Your needs are unique to you, so Citi provides you with different medical options from which to choose. Each plan offers comprehensive benefits to help you and your family stay healthy throughout the year.
Review the options available to you, which include the following:
Depending on your location, you may choose from one of the following medical options:
ChoicePlan 500 (CP500)
Offers the flexibility to choose your doctor or health care facility when you need health care. You’ll pay higher premiums, but have a lower deductible.
High Deductible Health Plan (HDHP)
Offers the flexibility to choose your doctor or health care facility when you need health care, along with access to a Health Savings Account (HSA) that Citi contributes to. The premiums for HDHP coverage are lower, but the deductibles are higher.
Health Maintenance Organizations (HMOs)
Only available to employees in specific locations. You must use in-network providers. If you do not use participating providers — except in an emergency — the HMO will not cover that care.
With the ChoicePlan 500, administered by Aetna (Choice POS II Open Access) and Anthem BlueCross BlueShield (PPO Preferred Provider Organization plan), you’ll pay higher premiums, but have a lower deductible than the High Deductible Health Plan.
You must meet the annual deductible before the plan will share in the cost of benefits. Both in-network and out-of-network services will apply to meeting the deductible.
Here’s an overview of the ChoicePlan 500’s key features, which are the same whether you’re enrolled through Aetna or Anthem.
Features | In-Network | Out-of-Network |
---|---|---|
Preventive Care | 100% covered, no deductible | 100% of maximum allowed amount (MAA) |
Annual Deductible*
|
$500
$1,000
|
$1,500
$3,000
|
Out-of-Pocket Maximum*
(includes deductible, coinsurance and medical copayments)
|
$3,000
$6,000
|
$6,000
$12,000
|
Coinsurance
(after you meet the deductible)
| Plan pays 80%; you pay 20% | Plan pays 60%; you pay 40% |
*The annual deductible and out-of-pocket maximum combine in-network and out-of-network expenses
Your in-network preventive care will be covered at 100% with no out-of-pocket cost to you and is not subject to a deductible. This includes annual physicals, well-child checkups, immunizations, flu shots and cancer screenings, as well as certain preventive prescription medications.
If you visit an in-network provider, you will need to meet an annual in-network deductible of $500 individual/$1,000 family before any benefit will be paid. Once you meet your deductible, the plan will pay 80% of covered in-network expenses. Note: Deductible expenses cross-apply between in-network and out-of-network limits.
Coinsurance refers to the portion of a covered expense that you pay after you have met the deductible. For example, if the plan pays 80% of certain covered expenses, you will pay the remaining 20%, which is your share of the costs.
The in-network out-of-pocket maximum is $3,000 individual/$6,000 family. This amount represents the most you will have to pay out of your own pocket in a calendar year for in-network services. Once the out-of-pocket maximum has been satisfied, no additional in-network medical copays will apply for the remainder of the plan year. Note: Your prescription drug copays are subject to a separate out-of-pocket maximum.
Using in-network doctors and services saves you money through lower rates that Aetna and Anthem negotiate. It’s also more convenient because you don’t have to file claims. If you use out-of-network doctors, you will pay more, and you may be required to submit claim forms.
Find a provider in the Aetna or Anthem networks. If you need additional assistance in finding an in-network provider, use Health Advocate.
With the High Deductible Health Plan (HDHP), administered by Aetna (Choice POS II Open Access) and Anthem BlueCross BlueShield (PPO Preferred Provider Organization plan), you take charge of your health — and your money.
The HDHP shares the cost of covered services after you meet the annual deductible and covers 100% of the cost for recommended in-network preventive care. In addition, the HDHP pairs with a Health Savings Account (HSA) in which you contribute before-tax dollars to pay for your deductible and other eligible out-of-pocket expenses. Citi also contributes to your account: up to $500 for individuals, and up to $1,000 for families.
With lower premiums, a higher annual deductible than Citi’s other medical plans and Citi-funded HSA dollars, you can:
Save
Keep more of your money each paycheck.
Control
Have more control over when and how you spend your health care dollars.
Plan
Save for future expenses with a tax-free Health Savings Account (HSA).
Here’s an overview of the HDHP’s key features, which are the same, whether you’re enrolled through Aetna or Anthem.
Features | In-Network | Out-of-Network |
---|---|---|
Preventive Care | 100% covered, no deductible | 100% of maximum allowed amount (MAA) |
Annual Deductible
(includes eligible prescription drug expenses)
|
$1,800
$3,600
|
$2,800
$5,600
|
Out-of-Pocket Maximum
(includes deductible, coinsurance and medical/prescription drug copayments)
|
$5,000
$10,000
|
$7,500
$15,000
|
Coinsurance
(after you meet the deductible)
|
Plan pays 80%; you pay 20% | Plan pays 60%; you pay 40% |
Health Savings Account (HSA)
Citi’s contribution:
|
Up to $500
Up to $1,000
|
|
Health Savings Account (HSA)
Total contribution allowed by IRS
(including Citi’s employer contribution):
|
$3,600
$7,200
$1,000
|
*For in-network services, each of your covered family members has an individual out-of-pocket maximum of $6,850. After an individual reaches that amount, the Plan will cover 100% of that individual’s in-network expenses for the rest of the year. Once the $10,000 family in-network out-of-pocket maximum is met, the Plan will cover 100% of the family’s in-network expenses for the rest of the year. For out-of-network care, the family out-of-pocket maximum can be satisfied as a family or by an individual within the family.
Your in-network preventive care will be covered at 100% with no out-of-pocket cost to you and is not subject to a deductible. This includes annual physicals, well-child checkups, immunizations, flu shots and cancer screenings, as well as certain preventive prescription medications.
There are different annual deductibles for in-network and out-of-network care that accumulate separately:
Once you meet your annual deductible, you and the Plan share any further costs through coinsurance until you meet your out-of-pocket maximum. Generally, for in-network care, you pay 20% and the Plan pays 80%.
The Plan limits the amount you have to pay each year for medical care. Your out-of-pocket maximum is $5,000 individual/$10,000 family (out-of-network $7,500/individual and $15,000/family).
Each of your covered family members has an individual out-of-pocket maximum of only $6,850 for in-network coverage. After reaching that amount, your plan will cover 100% of that individual's in-network health care expenses for the rest of the year.
The HSA is available to employees who participate in the High Deductible Health Plan (HDHP). It allows you to pay for eligible health care expenses, including your deductible, with tax-free dollars — and Citi will contribute money into your HSA each year that you are eligible.
Note: You should consider the HSA when you’re planning for retirement. Your unspent HSA dollars carry over year after year — you will never lose them. That means you can use your HSA to accumulate tax-free health spending money over time — you can take it with you if you leave the company, and you can even use it for health expenses in retirement.
Download the Aetna Health app to your personal device today.
Download the Anthem Engage app to your personal device today.
Below are ways you can help make the most of your medical plan coverage, if you are enrolled in the ChoicePlan 500 or HDHP medical plans:
When in doubt, start with your personal Citi Health Concierge as your first call. Available through your health plan, your Citi Health Concierge can provide personalized support and guide you to the right resources when you need them, so you get the most out of all your Citi benefits – even if your question isn’t specific to your medical coverage.
If you elect the High Deductible Health Plan or ChoicePlan 500, your Citi Health Concierge will be there to help with:
You can contact your Citi Health Concierge by calling the phone number on your medical ID card.
Get help from ALEX — the independent, fun, and interactive benefits tool to help you pick the right medical plan.
Having a primary doctor is the first step in maintaining better health and saving on health care costs. It’s more than just having a doctor you see for minor health issues.
It’s about having a partner who knows your medical history and your family background, who can make sure you get the age-appropriate preventive care you need and who can help you find a specialist if you need one. Prepare for your visit with your primary doctor:
There are two ways to find a primary doctor:
Stay in-network to keep all your health care costs as low as possible, including physical, mental health, and related lab work and/or testing. Your Citi medical plan pays higher benefits for in-network services, and you pay less out of pocket. To find an in-network doctor:
If you use out-of-network doctors, you will pay more, and you may be required to submit claim forms. Visit Your Benefits Resources™ (YBR™), available through My Total Compensation and Benefits to access the Find a Provider tool.
Are you doing all you can to stay healthy? Take advantage of the Live Well at Citi Program to earn Live Well Rewards while taking actions to improve your health. And remember, in-network preventive care, including certain preventive prescription drugs, is covered at 100% with no cost to you. Getting your annual physical and any recommended screenings or immunizations can help detect any issues early on and potentially prevent more serious and costly conditions from developing.
When you need immediate medical care and your doctor isn’t available, you have different alternatives to the emergency room that provide quality care, save time and cost less. Consider urgent care centers and telehealth (telephone or video appointments with a doctor, psychologist or therapist from your home or work).
Here are some ways to save money on the medications you take.
Since the Plan won’t start sharing in the cost of your services until you meet your deductible, it’s in your best interest to shop around before choosing a doctor. Different medical practices, hospitals may charge different fees and offer a different level of service.
If you or your family member has a chronic condition, such as diabetes, asthma or lower back pain, it’s very important to follow through on the course of treatment. If you are invited to participate in the Live Well Chronic Condition Management Programs, a health care professional will partner with you to help you better manage any chronic conditions and potentially lead a healthier life. You can also earn Live Well Rewards for participating.
The HSA is available to employees who participate in the High Deductible Health Plan (HDHP). It allows you to pay for eligible health care expenses, including your deductible, with tax-free dollars — and Citi will contribute money into your HSA each year that you are eligible to help cover out of pocket expenses. Citi will contribute to your HSA up to $500 for individual coverage or up to $1,000 for any other coverage level.
If you are enrolled in a Citi medical plan option, you have access to fertility support benefits through Aetna and Anthem. For more information, visit the Fertility Support page.
Use a Center of Excellence (COE) if you or a covered family member is faced with needing a bariatric, cardiac or transplant procedure. To learn more, review the Benefits Handbook.