Medical/Rx Insurance

This year, White Sands Treatment has chosen Cigna for your healthcare benefits. Click here to learn and understand your NEW suite of benefits and other important information you should know as you get ready to enroll. You can also learn about Cigna programs and who to call if you need additional assistance. Click on the video to meet Bill and Jill – virtual benefit assistants who can help you navigate.

White Sands Treatment offers five Cigna medical plans:
• Three Preferred Provider Organization (PPO) plans
• Two High Deductible Health Plans (HDHP) compatible with Health Savings Account (HSA)

Here is a closer look at how Cigna’s medical plan options work. All plans are open access. You do not need to select a Primary Care Provider (PCP), and you can visit a specialist without referrals.

• PPO Plan: This plan covers services performed by in-network and out-of-network health care providers. In-network services yield the highest level of benefits with the lowest out-of-pocket expenses because services are paid based on contracted rates, meaning the agreed-upon amount that the insurance company and health care provider have agreed to pay/be paid for the medical service. The plan begins to pay only after the deductible has been satisfied.
• High Deductible Health Plan (HDHP) with Health Savings Account (HSA): This plan covers services performed by in-network and out-of-network health care providers. In-network services yield the highest level of benefits with the lowest out-of-pocket expenses because services are paid based on contracted rates. Those who participate in this plan may be eligible to open a Health Savings Account (HSA).
  NOTE: You can search for participating health care providers by visiting
  www.cigna.com and clicking “Find a Doctor”

Summary Plan Description

• We have attached/linked below the Summary Plan Description (SPD). This document describes the health and welfare benefits available to you (and if applicable, your family) as an eligible participant in the Plan as of the 2025-2026 plan year. This SPD outlines your rights and responsibilities under the Plan and reflects your benefits as they currently are. Additionally, the provisions in this SPD are intended to meet all federal statutory and regulatory requirements currently applicable to the Plan.
• We recommend that you keep this SPD with the various documents provided to you upon enrollment in each benefit plan (insurance contracts, evidence of coverage, and any other official plan documents). Additionally, we suggest that you also share the SPD with any family members you have elected to cover under the Plan.
• You also have the right to request (at no charge) a paper version of the SPD and Plan document. If you have any questions, have problems accessing the SPD, or require a paper cop,y please contact Human Resources:

Name: Terha Griffith
Phone Number: (813) 756-5742
Email: [email protected]