Davidson College offers two health insurance plans through CIGNA HealthCare.  The college pays a portion of the health insurance premium and the employee's contribution is paid with pre-tax dollars. 

Both CIGNA HealthCare options:

• Allow choice in care by not requiring the selection of a primary care physician
• Provide open access to specialists - no referral by a primary care physician is required to seek care from a specialist
• Offer a large selection of area physicians and facilities for in-network care

The two options available through CIGNA HealthCare provide different levels of service, with a different premium structures.  These choices allow employees to select the best coverage to meet the needs of their families.

Open Access Plus (PPO Plan)

The preferred provider plan pays at two different levels - in-network and out-of-network benefits.  If you choose to see an in-network physician, you have a small co-pay when you seek medical care.  If you choose to seek the care of an out-of-network physician, CIGNA pays a smaller portion of your medical costs.  You also pay co-pays for prescription medications.

High Deductible Health Plan (HDHP)
with a Health Savings Account (HSA)

A high deductible plan is one for which you pay lower monthly premiums, but you also pay direct costs for medical services and prescriptions (up to a deductible amount).  Once you meet your deductible, CIGNA pays an increasing amount of the costs for healthcare.  If you select this option, Davidson contributes money into a Health Savings Account (HSA) on your behalf and you are eligible to contribute money (pre-tax) into the HSA as well.

Adjusted Health Subsidy Form