VillageMD wants our team members to enjoy the same high-quality care at an affordable cost that we give to our patients and communities.
Explore your medical plan options so you can choose the plan that is right for you and learn how to select coverage when you and a family member are both employed by VillageMD.
Select a Plan that is Right for You
Your plan options
All eligible team members have two medical plan options:
Considerations when Selecting a Plan
Both plans cover the same services and give you access to affordable, quality care. Choose the plan that best aligns with your health needs, financial objectives, and future goals.
- Under the VillageMD Value-Based Plan, you will have a lower deductible — including no deductible when you see a VillageMD or VillageMD Affiliated Provider.
- With the HSA Medical Plan, you will have a higher deductible. You will also be enrolled in a Health Savings Account (HSA) that lets you save pre-tax funds to help pay for eligible out-of-pocket health care expenses now and in the future. VillageMD contributes to your HSA each year. The amount is $500 if you enroll yourself and $1,000 if you cover other family members. The amount is pro-rated for new hires.
Compare Costs
Use the chart below to compare the costs of the VillageMD Value-Based Plan and the HSA Medical Plan.
| Network | VillageMD Value-Based Plan | HSA Medical Plan |
| In-Network |
|
|
| Out-of-Network | You pay 40% after deductible | You pay 40% after deductible |
Compare Coverage
Use the chart below to compare the different types of coverage you get with the VillageMD Value-Based Plan and the HSA Medical Plan.
| Compare Coverage | VillageMD Value-Based Plan | HSA Medical Plan |
| Available to all eligible team members | ✔ | ✔ |
| Offers comprehensive care and coverage | ✔ | ✔ |
| Allows you to access Cigna in-network providers | ✔ | ✔ |
| Allows you to see VillageMD and VillageMD Affiliated Providers at a lower cost | ✔ | |
| No deductible or copay when you see a VillageMD or VillageMD Affiliated Provider | ✔ | |
| Lower deductibles | ✔ | |
| Covers preventive care at no cost | ✔ | ✔ |
| Covers prescription drugs, as well as behavioral and mental health care | ✔ | ✔ |
| Covers virtual visits and telehealth | ✔ | ✔ |
| Includes a Health Savings Account (HSA) to use to pay for care now and in the future | ✔ | |
| Gives you access to a Health Care FSA that you can use to pay medical, prescription drug, dental, and vision expenses with tax-free dollars | ✔ | |
| Gives you access to a Limited Purpose FSA that you can use to pay dental and vision expenses with tax-free dollars, plus medical and prescription drug costs once you meet your medical plan deductible | ✔ |
VillageMD Value-Based Plan
The VillageMD Value-Based Plan offers access to quality providers with lower deductibles and copays when compared to the HSA Medical Plan.
- All team members have access to Cigna’s national network of providers.
- Team members who live in an area with access to VillageMD and VillageMD Affiliated Providers also get enhanced benefits including no deductibles or copays.
| Plan Provision | In-Network | Out-of-Network | |
|---|---|---|---|
| Cigna Providers | VillageMD & VillageMD Affiliated Providers (availability varies by market) |
All Other Providers | |
|
What You Pay |
|||
|
Deductible* |
$750 individual/ |
$0 |
$1,500 individual/ |
|
Wellness/Preventive Care |
$0 |
$0 |
40% |
|
Primary Care Office Visit |
$15 |
$0 copay (includes virtual visits) |
40% after deductible |
|
Specialty Care |
$40 copay |
$25 copay |
40% |
|
20% |
10% coinsurance |
40% |
|
$3,000 individual/ |
$3,000 individual/ |
$6,000 individual/ |
|
*With the VillageMD Value-Based Plan, each member is only responsible for their individual deductible — then coinsurance begins for that person.
HSA Medical Plan
The HSA Medical Plan gives you access to Cigna in-network providers as well as VillageMD & VillageMD Affiliated Providers. The difference is that, with this plan, you do not have access to the extra savings you experience when you see VillageMD or VillageMD Affiliated Providers under the VillageMD Value-Based Plan.
The HSA Medical Plan’s higher deductible makes you eligible to contribute to a Health Savings Account (HSA) where you can set aside pre-tax funds to help pay for eligible out-of-pocket health care expenses now and in the future.
The HSA offers you triple tax advantages:
- Tax-free savings: You may contribute to your account each pay period on a pre-tax basis, which lowers your taxable income with each paycheck. Plus, VillageMD automatically contributes to your account whether or not you contribute.
- Tax-free growth: You earn interest on your balance. Once your balance reaches $1,000, you can invest your savings for greater potential growth.
- Tax-free payments: You do not pay taxes when you use your account to pay for eligible expenses.
Important: You must complete the registration steps with Asure to activate your account to receive the VillageMD contribution.
| Plan Provision | In-Network | Out-of-Network | |
|---|---|---|---|
| Cigna Network Providers, VillageMD & VillageMD Affiliated Providers | All Other Providers | ||
|
What You Pay |
|||
|
Deductible* |
$1,500 individual/ |
$3,000 individual/ |
|
|
VillageMD’s |
$500 individual/$1,000 family |
||
|
Wellness/Preventive Care |
$0 |
40% |
|
|
20% |
40% |
|
|
Out-of-Pocket Maximum |
$3,000 individual/ |
$6,000 individual/ |
|
*The family deductible amount must be met before coinsurance begins for any family member.
Medical ID Cards
In general, you will receive a new medical ID card from Cigna when you first enroll and anytime you make a change to your medical plan or the family members covered.
For 2023, all VillageMD team members will receive new medical ID cards.
You can request an additional ID card at any time by contacting Cigna. You can also access your ID card at myCigna.com or view your ID card using the myCigna app.
This is a sample ID card for the VillageMD Value-Based Plan. All current VillageMD medical ID cards have an ID number that begins with the letter U.
When Two Team Members are in One Family
A team member may not have coverage both as an employee and as a dependent. Only one eligible spouse may cover the eligible children as dependents. A spouse or child under age 26 may be covered as a dependent if not covered as an employee.
Here are some common scenarios and options for electing coverage.
Both spouses/domestic partners are VillageMD team members
Option 1: Both elect “Employee Only”
Option 2: One elects “Employee + Spouse/Domestic Partner”
Both spouses/domestic partners are VillageMD team members, and they want to cover children
Option 1: One elects “Family Coverage”
Option 2: One elects “Employee Only,” the other elects “Employee + Child”
Employee and Dependent Child < 26 are both VillageMD team members
Option 1: Both elect “Employee Only”
Option 2: The parent can elect “Employee + Child” and Dependent Child can waive coverage as an employee
GOOD TO KNOW
- Medical plans may require “prior authorization” or “pre-certification” for certain medical services. If you or your provider do not get prior authorization or pre-certification when required, benefits may be reduced or services not covered.
- Out-of-network benefits are paid based on Cigna’s Schedule of Maximum Allowances or what can be referred to as a “Usual and Customary” level. Out-of-network providers are not obligated to accept the SMA or Usual and Customary Level and may “balance bill” you for their actual charge above and beyond the SMA or Usual and Customary amount. These excess charges are not credited toward your deductible or out-of-pocket maximum.